Full P&L and relationship management responsibility for Citi’s largest credit card portfolio, with 11MM+ active accounts Oversight and administration of a $100MM annual marketing budget; responsible for setting program and marketing strategic and operating plans, and executing on themLeadership of a large, cross-functional team that support the program, spanning product management, finance, risk, analytics, and operations functionsIn 2021, negotiated and implemented program changes expected to deliver $160MM in incremental EBIT over the balance of the program termLed marketing and acquisitions re-entry coming out of the Covid-19 pandemic, and on track to exceed all financial plan metrics in 2021As Wilmington Site Head, responsible for driving and executing site strategy in the areas of Talent, Employee Engagement, Innovation, Risk & Control, Community Engagement, and Site Infrastructure

Full P&L responsibility for multiple co-brand credit card portfolios, with more than $5B in receivables and 1.5MM cardholdersPortfolio and relationship management responsibility for several partner credit card programs, including Co-Brand programs for industry leaders in the telecom, travel, and retail spaceAccountable for delivering ~$650MM of revenue and ~$325MM in EBIT, currently on target to do so for fiscal 2019Head New Business Development organization for Citi’s US Cards business, responsible for actively sourcing new Co-Brand, distribution, lending, and affiliate relationships, as well as negotiating contract terms and building and deploying new Co-Brand products to marketLead partner technical integration and prioritization team, with resources that oversee all integration points for all partner programs, as well as project leadership for all new partner product developmentOversee partner payment and reconciliation team, ensuring that Citi is properly accounting for and distributing revenue share and meeting contractual financial requirements

Direct accountability for $150MM annual operating budget and approximately 2,500 FTE across multiple operating sites, geographically dispersed across the countryOperations relationship management responsibility for key Co-Brand partnerships (primarily Costco and American Airlines)Delivered $21.3MM of opportunity against operating budget in 2017, while increasing service Net Promoter Score by over 700 bps YOYImplemented operational efficiency enhancements which are on target to return an additional $22MM in expense reduction for fiscal 2018Leveraging broad cross-functional network, led significant process improvement initiatives across multiple functional groups, positively impacting both customer and employee experienceSourced and hired top talent for open roles at all levels, creating a robust succession plan for organizational leaders

Played an integral role in the conversion, launch and ongoing success of one of the largest co-brand credit files in the industrySourced, hired and trained top talent to correspond with product launch, aligning new hires to meet the needs of the partner Built substantial relationships with the core Partner team, up to and including senior executive leadership Led pre-conversion communication strategy, essential for successful portfolio conversion, including creation and approval of collateral and deployment of all communications on time and significantly under budget.  Represented Citi as the most senior team member embedded with the Partner for conversion.  Ensured all conversion testing was completed and provided real-time updates to senior Partner executives.  Developed and implemented a model to handle all customer service escalations received by the Partner’s executive team post-conversion.Acted as senior-level liaison between Costco co-brand team and various functional groups, including Operations, Fraud, Credit, and Risk.

Led the development of a National Field Sales team, supporting 15 different retail partners Hired and led a staff of 8 regional managers and ~80 vice –president level sales managers including interviewing and hiring, salary adjustments and promotions. Provided oversight to all field activities to ensure proper training, coaching and career development as well as overall field execution of credit initiatives and achievement of established goals.Developed and managed cost center budgets and expenses, including team P&LDeveloped and maintain relationships across a broad range of functional partners throughout the organization.Facilitate d new business development opportunities Leader in Excellence award winner, 2014

Managed team of Vice President-level Field Sales Managers including interviewing, hiring, promotions and providing proper training, coaching and career development. Responsibility for the Home Depot’s private label credit program across approximately 240 retail store locations, producing over 350,000 new accounts and $3.5 billion in sales annually to the portfolioCreated regional credit strategy, aligned with client, to drive top line revenue growth and objectives through new account acquisition, sales and client development.Developed and managed cost center budgets and expense.

Full program and relationship management responsibility for Citi’s workplace banking program in Southern California Drove revenue growth on a portfolio consisting of middle market, institutional, and Fortune 1000 clientsNationally recognized as a top performer and rated “Highly Effective” for 2011

Responsible for the Home Depot’s private label credit programs across 35 retail stores in California, Hawaii and Guam. Managed a territory that contributed 80,000 new accounts and over $450 million in sales annually to the company. Consistently exceeded annual performance metrics for 2007-2010, finished the top 10 in North America all 3 years, and received a performance rating of “Highly Effective” or “Exceptional” in 2008, 2009, and 2010.

Full management responsibility for a large, complex financial center, including P&L management. Proactively managed and coached sales team and subordinate managers. Managed and sold commercial and consumer credit products, while ensuring regulatory compliance. Maintained an active relationship with the community by attending Chamber of Commerce meetings, visiting local businesses and participating in charity events. HR responsibility for approximately 30 employees

Responsibility for multiple locations and a team of more than 40 employees including 8 loan officers. Proactively managed and coached sales team and subordinate managers to improve sales performance. Leadership of several regional projects that led to broad changes in sales processes across the country. Maintained an active relationship with the community by attending Chamber of Commerce meetings and various charity and public events. Increased overall sales in 2004 over previous year by approximately 40%. Rated an “Exceptional” performer in 2004, 2005 and 2006