The Lionheart Consulting Group provides advisory services and business development opportunities in the financial services arena, ranging from lenders, regulators, legislators, federal agencies, GSE’s and industry associations. Our core focus is set on helping companies drive growth, build their businesses, mitigate franchise & reputational risk, business process redesign and change management. We have critical focus in the following areas:Supplier Diversity / Government & Industry RelationsCorporate Social Responsibility / Change Management / Leadership Development / Workforce Diversity StrategySELECTED SKILLS✓ Legislative & Regulatory Expertise ✓ Change Management ✓ Contract Negotiations✓ Enhancing Brand Recognition ✓ Industry Trade Relations ✓ Deal Enhancement ✓ Performance Tracking & Reporting ✓ Client Advocacy ✓ Process Improvements ✓ Strategic Planning ✓ Business Solutions ✓ Management Consulting

In addition to my work with Lionheart Consulting Group, I am now a Strategic Partner with New Lantern Partners. Our services are comprehensive and compelling. I encourage you to check out our website:

His executive level contributions have benefited other organizations to include board chairmanships at :Chairman - Social Compact; Chairman - Archie Mae; Chairman - Operation HOPE Mid-Atlantic; Vice Chairman - National Asian American Coalition; Board of Governors of the National Hispanic Real Estate Professionals; Board of Trustees From the Heart Church Ministries Inc.

Consulting Engagement - Customer Experience (CX) Implementation in Single Family BusinessFreddie Mac – November 2017 – December 2018Lead and execute projects to manage, improve and sustain the CX, driving a cooperative effort among members of a division wide project team;• Support the implementation of the CX strategy and the building of (6) CX capabilities and related infrastructure, based on industry CX best practices;• Created and maintained project deliverables and other project needs to meet target timelines (e.g., prioritization, funding, resources, requirements, research and analyses, status reports, issue logs, meeting notes, action items, process flows, proof of concept test plans, and other documents as necessary); • Accurately identify, assess and report the risk/issues associated with projects;• Developed and execute management reporting on projects, programs, and appropriate CX initiatives across Single Family as appropriate; • Supported project administration activities utilizing the appropriate tools • Partner with industry participants to stay abreast of the latest thinking in the customer experience and best practices; • Identified and implemented the appropriate methodologies, processes and tools to manage and improve the customer experience; • Contributed to the development, maintenance, implementation, and reinforcement of a customer-centric culture including specific rituals and routines, CX vision, design principles, values, and beliefs.

ACHIEVEMENTS & RESPONSIBILITIES♦ Implemented corporate wide supplier diversity programs, and facilitated online resources, conducted outreach sessions, and produced data reports for program results to customers, federal, and state regulators♦ Provided consulting to business units in preparing an effective RFP process for government contracting, and sought opinion and expertise from industry experts to enhance the company program♦ Collaborated with legal department on boiler plate language in response to frequent customer and government questionnaires♦ Highlighted by the State of California on 2012 and 2013 performance

ACHIEVEMENTS & RESPONSIBILITIES♦ Assumed responsibilities to design customized products, services, and solutions for mortgage and real estate professionals♦ Developed strategic partnerships with GSE’s, Federal Agencies, Lenders, Real Estate Companies, Community Development Organizations and Consumer Advocacy Groups to further the company’s objectives♦ Vital contributor in creation of national advisory council aimed at soliciting expertise from external business leaders, and f an enterprise-wide strategy launched in 2003, to deliver innovative business solutions that helped mortgage and real estate professionals seek new business opportunities♦ Provided leadership and industry awareness with the development of Anthem alternative credit scoring solutions for mortgage lenders to measure and validate the creditworthiness of loan applicants with little or no traditional credit history

ACHIEVEMENTS & RESPONSIBILITIESHandled a wide range of responsibilities during the tenure and excelled at every task, such as President – First American Community Fund, Vice President – Industry Relations & Market Development, and Vice President – Supplier Diversity Executive♦ Led, directed, and steered the First American Community Fund, which aimed to provide financial and investment services to underserved markets♦ Leveraged expert analytical skills to identify new business opportunities and implement community engagement strategies to enhance brand reputation♦ Firmly believed in and promoted community investment concepts and products♦ Orchestrated enterprise social corporate responsibility strategy for the enterprise♦ Nationalized the program via nurturing and fostering alliances with national organizations, federal agencies, and industry partnersKEY ACHIEVEMENTS♦ Produced and delivered annual First American Financial Literacy Academy that impacted over 1000 high school and college students nationwide♦ Created First American Fellows program in conjunction with a national non-profit that produces nationwide internship program in the financial services arena♦ Developed national volunteer program with Habitat for Humanity and Operation Hope that included approximately 1000 employees volunteering in a dozen cities nationwideSELECTED SKILLS✓ Legislative & Regulatory Expertise ✓ Change Management ✓ Contract Negotiations✓ Enhancing Brand Recognition ✓ Industry Trade Relations ✓ Deal Enhancement ✓ Performance Tracking & Reporting ✓ Client Advocacy ✓ Process Improvements ✓ Strategic Planning ✓ Business Solutions ✓ Management Consulting

• Responsible for the development, implementation and deployment of the Affordable Housing Bundle Solutions – a product offering marketed to mortgage lenders to enhance affordable housing strategies. Deployed in major markets with top selling mortgage lenders such as National City, Chase Home Loans, Washington Mutual and Countrywide.• Developed strategic partnerships with major counseling organizations to develop “manufacture consumer strategy” that would drive consumers from counseling to origination via controlled process that would give lenders CRA credit at loan delivery to GSE’s.• Collaborated to deliver Anthem alternative credit scoring solutions which enabled mortgage lenders to measure and validate the creditworthiness of loan applicants with minimal or no traditional credit history• Vital contributor in creation of R-Home Mortgage product in collaboration with CitiMortgage and Neighborhood Housing Services of America with a $100 million dollar commitment from Fannie Mae and State Farm as participants• Executed strategic partnerships with Microsoft, FreddieMac, Fannie Mae, Wells Fargo, NAHREP, AREAA, NAREB, Neighborworks to deploy products and services to promote affordable housing concepts.

ACHIEVEMENTS & RESPONSIBILITIES♦ Pioneered revenue generation efforts and led customer relationship management for 100+ mortgage lenders that produced from mortgage deliveries in excess of $6Bn dollars in annual mortgage production♦ Worked in close coordination with the business development team and customers, to manage product pricings, and contract negotiations♦ Developed and successfully executed prototype on small customer engagement initiative that led to a successful implementation of a new corporate wide customer management strategySELECTED SKILLS✓ Performance Tracking & Reporting ✓ Change Management ✓ Industry Trade Relations✓ Legislative & Regulatory Expertise ✓ Brand Recognition ✓ Contract Negotiations ✓ Deal Enhancement ✓ Client Advocacy ✓ Process Refinements ✓ Strategic Planning ✓ New Product Introductions ✓ Project & Program Management ✓ Strategic Sourcing ✓ Mortgage Operations Consulting ✓ Business Solutions ✓ Management Consulting

ACHIEVEMENTS & RESPONSIBILITIES♦ Managed 6-10 major relationships providing on-site expert consulting for mortgage operations with engagements lasting up to 1 year♦ Delivered business efficiency, process mapping, and final recommendations for revenue generating change♦ Pioneered development of 24x7x365 call center to support customers, and conceptualized, designed and implemented small lender strategy for low revenue clients♦ Led a team of 10 employees and ensured 100% functional system operations with dynamic real-time troubleshooting technical support staff