Wealth Management • Monitor and influence asset quality of Wells Fargo Consumer and Commercial portfolios.

Consumer Risk Management Group• Monitor and influence asset quality of Wachovia's Consumer Loan portfolios. • Develop loss forecasts and guide loss reserves, capital allocation and pricing methodology.

BANK OF AMERICA, CFO Finance Change Management• General Ledger oversite and risk analysis for LaSalle loan conversion project. • Development of analytical tools to ensure proper data transfer and reconciliation

JH2 Risk Advisors, Inc. – McLean, VA (2007-Present)FINANCE CONSULTANT FOR FANNIE MAE (FNMA), Accounting Restatement Project • Quantified period end offline manual adjustments with $50 million impact on the P&L. • Authored all procedures for Guarantor Fee (GFee) Accounting to meet corporate compliance deadline.• Identified risks and controls for high-risk offline Gfee system required for 2007 catch-up processing, improving monthly accuracy of $20 million P&L.

Investment Accounting (2005-2006)• Key work stream manager in the $100 million development of new accounting portfolio sub-ledger. Successfully managed all phases of data conversion, troubleshooting, and reconciliation, thus assuring 100% data accuracy.• Decreased accounting close time frame by 2/3 by streamlining and enhancing code, building new reconciliations and improving internal/external financial reporting processes.

Investments and Capital Markets (2002-2005)• Recreated $500 billion dollar accounting portfolio sub ledger for years 1997-2002; this data served as the cornerstone of Freddie Mac’s restated annual report.• Verified accuracy of $20 billion in monthly principal and income received on mortgage/asset-backed securities over a 5-year period; received full auditor approval.• Directed 15-person team in promptly responding to Price Waterhouse (PWC) data requests in support of accounting re-audit.

Control and Credit, Funding and Investment (2000-2002)• Successfully developed a custodial principal and interest reconciliation system for all mortgage/asset-backed securities. Achieved required approval of the 2001 audit, despite both time and budget constraints.• Exposed insurance nonpayment issue, recovering $10 million in income.• Identified previously incorrect reporting of shortfalls and prepayment penalties income of $5 million annually.

Business Area Services (BAS)-Finance, Information Systems Services (1997-2000)• Reduced forecasting model runtime from 35+ hours to three hours; reduced 11-hour run-time to 45 minutes.

BAS-Finance, Information Systems Services (1996-1997)• Automated data collection for Office of Federal Housing Enterprise Oversight (OFHEO) external reporting. Reduced timeframe by 25% to meet new quarterly submission requirements.

June 1995 - November 1996Senior Risk Analyst I, Loan Prospector Mortgage Credit PolicySeptember 1993 - June 1995Business Analyst II, Northeast RegionMarketing Customer ServicesJune 1992 - September 1993Risk Analyst III, Northeast Region Marketing Credit June 1991 - June 1992Programmer Analyst III, Customer Computing Services Information Systems ServicesJune 1988 - June 1991Systems Engineer, Customer Computing Services Information Systems ServicesOctober 1985 - June 1988Accountant , Loan Administration Servicer