Lead and coordinate regulatory exams in the Retail Bank. Manage business issues and corrective action plans across consumer and commercial businesses. Lead regulatory related projects to improve controls and reduce franchise risk. Leverage risk and business skills to work with leadership team in addressing regulatory and control issues.

Head of Retail Bank High Risk Account Management and Consumer Overdraft Policy (2.5 years) - Led a team of professionals in analyzing and building new risk policies and strategy to manage overdraft and deposit funds availability. (Best in class in deposit funds availability in U.S.) - Led a team to manage high risk customer segmentation on personal loan and overdraft protection lending products.Head of Retail Bank Fraud Analytics, Policy, and Loss Reporting (4.5 years) - Created a team of analysts starting with 3 to 11 professionals to build analytical environment for fraud detections and system implementations. - Developed fraud strategies in ATM, Online Banking (Wires, Global Transfers, ACH, IIT, new account opening), deposit checks, inclearing checks, etc. - Built requirements on fraud datamart and the concept for Enterprise Fraud Detection.

Business Planning & Analytics - Customer Management Director- Balance Consolidation: Managed P&Ls and profitability analysis on $3 Billions receivables quarterly basis, one of the first to test and roll out 0% APR and balance transfer fee in industry; led various teams to improve process cycle time. Earned over $20MM fee revenue quartey basis.- Convenient Checks: Managed P&L and analytics on check programs to increase customer usage and improve retention. Tested and rolled out various check strategy, price points, and creatives.- Customer Retention: Managed P&L and analytics on retention strategy using various marketing campaigns and tractics.

MBA Rotation Leadership Program - Acquisitions Risk Policies, Cobranded Card Risk Policies, Credit Bureau Management

Consultant and System Engineer for the MITRE Federally Funded R&D Center supporting the USAF in top secret defense projects in space and airborne communication systems. Worked and supervised defense contractors Raytheon, Lockheed, etc. on multi-million dollars DOD and DOE contracts in space and weapon systems. Developed proof-of-concepts, EMP (electromagnetic pulse) and nuclear radiation protection on airborne command post aircrafts, satellite and ground based communication systems. Examples: JOINTSTAR, MILSTAR, IADS, JTIDS, EC-135 and E4B Airborne Command Post, PeaceKeeper Missile Systems, Ground-Based Emergency Networks (GWEN). Systems used in first Iraq war.