Luis Toledo is a Senior Risk Executive with extensive experience in improving business value, governance, employee engagement and customer satisfaction within the credit card industry with Risk Operations leadership experience in U.S. and Global consumer and commercial lending. He is recognized for driving results, business analysis, and performance management. As a skilled leader Luis led consumer and commercial lending Risk Operations from underwriting through to recoveries. He collaborated effectively with risk policy and decision science teams to ensure front line customer contact experiences were incorporated into strategies. He managed multiple migrations to lower cost locations while maintaining high performance standards. Highly effective in articulating the drivers and reasons for reengineering initiatives to business partners and direct report teams. Luis created, developed and led large multi-functional teams across the globe while building cultures of sustained performance improvement through leadership development and employee engagement.  He significantly improved efficiency and effectiveness in call center and back-office operations through effective use of performance measurement and process management techniques, leveraging skills and experience as executive functional leader to drive results.Luis has had the distinction and honor to serve as a Board Director of the American Express Banking Corporation. During his tenure as a Lead Operational Risk Officer and Chairman of several Risk Management committees he enhanced governance and ensured meeting regulatory requirements. Experience and expertise in dealing with federal and state bank regulators.