Oversaw $1B+ Technology expenses and allocated $300MM Technology Strategic Initiative Spend. (FTE Oversight: Direct-5) • Developed 5-year Cloud financial roadmap to migrate 70% of data center workload from On-Premise • Designed a FinOps team to manage Cloud expenses and investments • Finance leader on insourcing initiative to increase SYF Tech employees to 50% of staff and protect intellectual capital • Identified and executed ~$30MM of expense opportunities to hit expense targets and fund Tech strategic initiatives • Prioritized the Tech strategic initiatives in order to ensure alignment across Tech functions (CIO, CISO, Engineering, Governance) and deliver on company goals • Analyzed monthly and quarterly financial results, metrics and key performance indicators against plan and other internal benchmarks (i.e. labor, capital and cash flow analysis)• Partnered with Tech and Marketing team to create a go to market strategy for New Technology Access Pass driving 3X sales per customer and reducing operation costs• Created a methodology to allocate $1B Tech Costs to business platforms and Tech programs based on drivers

Drove Enterprise Ops $100MM+ Productivity efforts and advised $50MM Strategy & Transformation and Enterprise Ops HQ budget. (FTE Oversight: Direct-1) • Sold in $100MM functional customer service, collections and payments strategic/digital initiatives • Prioritized operational strategic initiatives (customer service, collections and billing/payments) based on capacity, risk/return and cost/benefit analysis• Created monthly business review to highlight financial concerns/action items to Enterprise Ops/Finance leadership team• Supported executive leadership in creating 2022 Investor Day Presentation• Collaborated with consultants and cross-functional team to drive higher percentage of e-statements and e-servicing• Finance led in exiting 10 sites driving down facility annual cost by $25MM a year

Managed $90+ Procurement annual budget, evaluated sourcing projects, provided analytics to highlight productivity opportunities and create a sourcing pipeline. (FTE Oversight: Direct-2)• Partnered with sourcing to increase payment discounts and create a $50MM functional sourcing pipeline/opportunities• Led the preparation of the Purchase Obligation Table in the SYF 10K annual report• Analyzed the impact of expanding in San Juan, Cebu, Altamonte Springs, Phoenix and Rapid City sites and exiting Bridgewater and St Paul• Created a process to monitor annual vendor spend to make sure no vendor spends $50MM without Board approval

Led deal renewal processes to extend $11B of credit card receivables and increase SYF IPO price. (FTE Oversight: Direct-1)• Executed key projects to improve the transparency and sustainability of pricing process e.g. model enhancements, client compensation analysis, promotional pricing• Developed forecast models for complex value props programs and promotions (Lowe’s, PayPal, Amazon, Chevron)• Presented the results from deal pricing and projects to senior leadership team• Worked with cross-functional deal team (Risk, Marketing, Sales/Business Development) in developing assumptions & ensure all assumptions are aligned

Financial Manager for the Chevron and PayPal portfolios consisting of 3MM cardmembers and $1.8B in receivables.• Executed on pricing and CIT commitments to offset $56MM in annualized regulatory impact• Streamlined reporting packages, vintage results and client presentations to update the client and client teams on financial performance• Partnered with marketing teams to create marketing campaigns that drove 8% increase in assets and 29% increase in net income• Led product analysis processes that drove decisive action to increase profitability of Chevron VISA product• Enhanced Chevron marketing campaign expense tracking and accrual process• Collaborated with Chevron team to identify contractual risks and opportunities

Financial Manager for the JCPenney Co-brand MasterCard and Personal Payment Plan portfolios consisting of 500Kcardmembers and $600MM in receivables.• Financial representative to senior leadership team, corporate headquarters, as well as extensive client interaction in monthly financial reviews• Conducted marketing fund audit in 2007 and found $3MM additional eligible marketing fund dollars on the JCPenney Private Label Credit Card• Enhanced 2008 portfolio profitability by $18MM annual income through implementation of tiered late fee structure, tiered APR, Delinquent APR trigger and cure and BT fee (Change in terms)• Develop monthly financial forecasts, operation plans and manage the annual budgetary process

Delivered value-added analysis to increase growth and revenue opportunities for GE Retail Consumer Finance business unit.• Created initiative tracking process to monitor quarterly portfolio performance, motivating portfolios to deliver $10MM of additional Net Income in 2006• Assisted in creating a more efficient RCF financial reporting package reducing reporting time by 50%• Calculated and distributed quarterly loss/collection reserve rate for various Retail Consumer Finance clients • Worked with Recovery Team to update recovery sales reserve rate from 10% to 5%, resulting in +$5MM net income• Reviewed portfolio P&L’s and balance sheet forecast to ensure economic trends and senior management strategies were aligned

Completed five 6-month rotational assignments across multiple P&Ls offering hands-on experience in corporate finance. Successfully finished all assigned coursework, leadership training, special projects, financial planning, corporate strategy and six sigma quality training. • Lead financial analysts for the ExxonMobil private label credit card portfolio which consisted of 3MM cardmembers and $1B in receivables• Coordinated the financial forecasting and reporting process across 40 GE Global Consumer Finance business units during the annual planning and budgetary process• Developed a pricing metric dashboard for Senior Management to benchmark external Consumer Finance deals during the due diligence process• Performed industry analytics and research (Belk’s, Kohl’s, Circle K, Steinmart)