• Owned the mobile experience for the five largest markets (US, CA, UK, DE, AU)• Initiated monthly business reviews to educate, create, and celebrate a data-drivendecision making environment• Implemented ways of working improvements between business units and stakeholders,initiated agile processes including program increment planning to improve transparentprioritization and maximize value delivery• Grew, led, and developed a team of product managers focused on elements across thecustomer journey

• Enhanced cross functional communication across the organization and stakeholder brands to prioritize roadmaps, demonstrate new features and concepts, and deliver opportunities leveraging emerging technologies• Spearheaded organizational changes to value customer experience and results above developmental ease (transition from hybrid app to native)• Increased the user ratings of our apps to 4+ from a base of 2.5• Grew the mobile product team by 400% and implemented process improvements toincrease capacity delivery

• Build new payment solutions for domestic and international markets such as emerging eCommerce capabilities, P2P, new tokenization capabilities, as well as security and authentication products• Work with internal and external wallet and financial partners to enhance features, increase user experience and business value• Own the agile release train with teams in Arizona, Texas, Illinois, England, Canada, Poland and India

• 2017 Winner of J.D. Power Highest Customer Satisfaction Award for Mobile Credit Card Apps• Launched balance transfer (BT) site placement and redesign, delivering over $400MM of incremental BT in the first eight months without price changes or increased marketing spend• Doubled the frequency of mobile releases for increased flexibility and first to market advantage:o Re-architected teams to deliver monthly releases without sacrificing testing time or overall quality• Re-engineered and codified the digital development process to drive efficiency and transparencyo Operational focus enables discovery of wasted work and time, to continually improve the process and increase the business value delivered• Launched responsive web pages, enabling the decommission of mobile web and savings in testing and carrying cost• Driver of differentiated digital experience and leader in customer experience improvements:o First major issuer to support fingerprint login, increasing user login frequency by 100%o First financial app to provide pre-login account informationo First app to enable payment via Siri• Early adopter and champion of corporate change initiatives (open seating, WFH flexibility, lean management systems)• Transformed niche team into multi-channel, multi-functional thought leaders:o Started with one senior manager and three project managers and grew the team to 28 people covering web, mobile, emerging platforms, VOC capture and analysiso Began with six annual mobile releases, now 36 annual releases between channelso Originally responsible for 1.2MM customers, now 12MM+ monthly• Grew mobile users by over 300% and converted over 60% of app users to engage exclusively via mobileo Increased monthly mobile logins from 5MM to 40MM+, grew mobile from 15% of logins to nearly 60%

Options Specialist on American Stock Exchange for a number of index and i-share products.