Luis Toledo Email & Phone Number

Greater New York City Area

New York, New York

Global Risk & ComplianceReported jointly to the Chief Operational Risk Officer of the American Express Company and to the President of the Global Banking Group with responsibility for managing the operational risks of three U.S. chartered banks with $126B+ in assets. Four direct reports at the vice president and director levels who managed a subordinate staff of 20 Risk professionals. Collaborated with business units, affiliates and partners as a subject matter expert (SME) to implement proactive operational risk management frameworks. Developed analytics to drive insights and management decisions. Guided business partners by anticipating changes to the operational risk and regulatory environments.

Global Business Services / Global Credit AdministrationReported to Executive VP of Global Credit Administration. Three direct reports at the vice president and director levels who managed a subordinate staff of 800+ Risk professionals and call center staff located in the U.S., Latin America, Asia, Australia and Europe. Responsible for leading Global Credit Operations for corporate card ($175B) and business travel accounts ($19B) – functions ranged from underwriting to loss recovery as well as Global Merchant Services Risk Operations, including submission monitoring, disputes, collections and loss recovery for $952B in transaction volumes.

New York, New York

Reported to the Executive VP of Global Credit Administration, with responsibility for 2,500 Full Time Equivalents (FTE) in 15 international locations. Four direct reports at the vice president and director levels who managed a $70M operating budget. Responsible for leading Consumer and Corporate Credit, Collections and Fraud Operations for all markets outside of the Americas. Delivered better than target performance in loss provision, operating expenses and customer surveys.

New York, New York

Reported to the Senior VP of Customer Service International. Four direct reports at the vice president and director levels who managed a subordinate staff of 800+ with responsibility for a $32M operating budget and $420M in net loss provision. Responsible for leading regional Consumer Risk Operations functions from underwriting through to recoveries.

New York, New York

Reported to the Senior VP of Customer Service International, 50+ professionals and a $15M operating budget. Led a reengineering effort across 18 international markets to improve credit loss provision performance through Credit and Collections Operations effectiveness and efficiency initiatives. Coordinated resources from Operations and Risk & Information Management to define and implement performance improvement initiatives, develop and standardize key metrics, and align procedures with risk policy. Thought leader and SME for market level credit and operations performance issue resolution.

Newark, Nj

Functional Vice President - Operations & Systems (1998 – 1999)

Atlanta, Ga

Prudential Bank & Trust CompanySenior Vice President - Risk Management and Customer Service (1997 – 1998)Senior Vice President - Risk Management – Lending (1997 – 1998)Vice President - Risk Management – Proprietary Credit Card (1995 – 1997)

Finance, General

Finance, General