COO at 2nd Order Solutions, a boutique advisory firm positioned at the nexus of cutting edge data science and world-class lending strategy. Provides consultation and support to a wide range of global financial services clients.We've assembled an impressive team of real-world operators; each with some combination of deep credit expertise, advanced statistical understanding or significant experience developing machine learning models and applying them to financial services.Our clients span the lending spectrum - from Top 5 US Banks to FinTech startups to the firms investing in lending companies - and the globe, with clients in North America, Latin America, Australia and Europe.

Consultant specializing in applying cutting edge analytics to solve client problems for firms ranging from small lending startups to large global banks:• Conducted multiple diligences for private equity investments in credit card and installment loan portfolios• Managed team of analysts developing credit policy and valuations models for subprime installment lenders• Developed credit policy overlay to increase approval rates for large credit card issuer• Delivered new application fraud strategy for a major Australian bank

• Owned 2nd line fraud oversight for US Card, International Card, Commercial Card, Home Loans, and Auto Finance lines of business• Led development and implementation of Enterprise Fraud Standard to align fraud prevention and reporting activities across all global lines of business including Credit Card, Retail and Direct Consumer Banking, Auto Finance, Home Loans, and Commercial Banking

Identity Fraud Strategy:• Managed Identity Fraud P&L for the US Card portfolio including 18 retail and co-brand partners• Transformed application fraud strategy through implementation of best in class ID and Synthetic fraud models and digital authentication strategies Transaction Fraud Strategy:• Led restructuring of transaction fraud strategy which reduced fraud related declines by 50% for heavy spenders while remaining loss neutral• Business owner of valuations model used to determine NPV of transaction fraud decline policy

• Managed the P&L of the Subprime internet acquisition channel accountable for ~$1.2B in annual assets• Implemented an account level credit policy framework• Developed and executed test plan to ground customer sensitivity to product terms over time in order to optimize in-market strategy

• Led rollout of direct mail marketing campaign for near-prime customers • Served as business lead for the development and implementation of a SAS-based valuations model• Grounded performance metrics feeding into the valuations model which informed monthly marketing decisions for the super-prime direct mail business