Reporting to the Senior Technology Officer (STO) of US Core Platform Technologies. Providing technology support to Credit Cards, Deposits and Lending lines of business. Leading cross-functional teams in the planning, funding, resourcing, requirements gathering, systems design, coding, testing, implementation, monitoring and early incident resolution. Partners include Business, Information Technologists, Systems engineers, Architects, Information Management, Digital Banking, Risk, Fraud, Legal, Compliance and vendors.

Assigned to BMO Harris Financial Group, Chicago, supporting and reporting to the Senior Technology Officer (STO) of the Credit Cards, Deposits and Lending Technology group. Leading cross-functional teams during requirements gathering, systems design, coding, testing, implementation, monitoring and ongoing incident resolution postproduction.

Lead and directly managed a team of professionals (50 employees) responsible for the development, maintenance and implementation of strategies, pricing, and models in core risk decision platforms for acquisitions (underwriting), authorizations, fraud, collections, mobile wallet, 3DS, and cross-channel authentication (digital, mobile and Call Center) for Bank and Discover Credit Card products. Managed the Card Pricing execution team. Developed long-term roadmaps for best-in-class enterprise wide decisioning infrastructure for authentication, acquisitions, fraud detection and case management. Ran proof of concepts in conjunction with the Innovation Lab. Monitored the ongoing health and performance of respective systems and collaboratively worked with Business Technology (IT) to resolve issues.

Maintained responsibility for assessing and developing innovative market products and technologies that have the potential to shape the future of U.S. Bank at an enterprise level. Leveraged successful innovations across the entire enterprise to Corporate Payments, Fleet (Voyager Card), Retail Payments, Elavon merchant services, Treasury, Payables, Retail Banking, Wealth Management, and Mortgage. Developed and prototyped new products, business models, and technologies that supported the enterprise.

Strategically assessed and developed innovative market opportunities, products, and technologies that have the potential to impact the Global Payments Group consisting of Corporate Payments, Fleet (Voyager Card), Retail Payments and Elavon merchant services. Created, developed, and prototyped new products, business models, and technologies in support of each business line. Led R&D and prototyping in innovation horizon 2 and 3 capabilities.

Developed and prototyped new ideas, products, business models, and technologies in support of the Retail Payments Services. Evaluated innovative market opportunities and technologies. Served as an Innovation Ambassador and Evangelist while sharing, socializing, and communicating new developments, technologies, and innovations impacting the bank and across the Global Payments Group.

Identify, develop, and deploy new credit products and technologies. Obtain internal and external client buy-in to new technologies and credit products. Work closely with and lead cross-functional teams, in a matrixed environment, developing wing-to-wing business processes, standards, Marketing and financials. Work closely with Information Technology and other functional teams to build those processes and establish product integration guidelines. Work closely with Credit Card Associations, MasterCard, VISA and FDR on Contactless initiatives. Marketing Leader and Process Owner of a real time direct to consumer credit prescreen program branded Quickscreen, servicing multiple retailers with Private Label, Credit Cards and Personal Loans prescreen offers.

Acquisitions, New Technology and Client Integration. Process owner and main architect of a real time prescreen program called Quickscreen (less than 2 seconds process) servicing multiple US retailers with Private Label, Major Credit Cards and Personal Loans prescreen offers. Partnering with Cross-functional teams, Client and Business Development to launch programs. Lead cross-functional team during design, build, integration and post-production monitoring phases. Process owner for eApply, GE’s Internet application process. Responsible for the design, development and integration with client web sites. Negotiating with clients reaching agreement on web deign, look-and-feel and process. Developing Risk strategy rule engines and integrating them into the new account application processing system for multiple clients. Jointly managed major client portfolio conversions and integrations.

Undertook acquisition scorecard development, account profitability models and risk reporting.