Jonathan Stalls Email & Phone Number

Glen Allen, VA, US

2nd Order Solutions is a boutique credit risk advisory firm positioned at the nexus of cutting edge data science and world-class lending strategy. As a Senior Advisor, I am providing consultation and support to a wide range of global financial services clients. My experience is allowing 2nd Order Solutions to expand our offerings for clients to now include.

Mclean, VA, US

• Tapped by chief risk officer to lead planning and build out more robust enterprise risk management function commensurate with company’s growing scale and to address regulatory concerns. Implemented cloud-based modern.
• Built effective means of identifying top risk to company and reported out to the Board of Directors.
• Greatly improved controls that mitigated risk across enterprise.
• Developed corporate governance structure to manage major new initiatives for company.

Mclean, VA, US

Led all credit and customer management for upmarket business. Rebuilt credit models and credit policies to leverage new cloud-based data infrastructure. Integrated two fintech acquisitions to create Capital One Shopping. Built real-time alerts for customers, informing each of unusual activity on card accounts. Helped launch Savor Card, dining and.

Mclean, VA, US

• Tapped to lead company’s recoveries business. Assumed key role in leading every other large business unit within card operations at different points in time over 12-year span. Leveraged analytical problem-solving.
• Guided and managed team of 17,000 associates providing call center support for card customers regarding customer service, fraud, collections, and variety of smaller call queues.
• Integrated five internal call centers as part of $30 billion HSBC card portfolio acquisition.
• Changed call center incentive plans to reward customer satisfaction as opposed to efficiency.Fraud (2011-2013)
• Built and implemented fraud models and defenses to both reduce fraud and improve approval rates for card transactions.
• Created unique fraud defenses for highest-spending customers to eliminate 50% of unnecessary declines.Collections (2010-2018)

Mclean, VA, US

Defined scope for $400 million, two-year program and led work to streamline business to enable conversion to more robust tech platforms offered by Total Systems. Ensured program delivered ahead of schedule and on budget while serving as key enabler of card innovation post conversion.

Mclean, VA, US

Joined enterprise as entry-level business analyst and promoted four times in first four years with variety of increasingly large roles in strategy and analysis. Accredited as one of 11 senior credit officers when credit governance established in 2002.