Leads audit projects as engagement supervisor. Identifies and assesses key risks and controls and develops effective test plans for engagements as assigned with limited guidance. Exhibits appropriate judgment regarding issue notification, issues draft findings to client management, and drafts final audit reports for review by the Engagement Supervisor or Audit Manager. Demonstrates effective project leadership skills regarding engagement notification, task assignment and monitoring, interim performance evaluation and coaching, project pacing and control. Trains and mentors staff and project leads regarding required skills. Transfers knowledge and understanding of audit methods and business information.

Subject matter specialist to provide credible challenge of audit work product.

Leads audit projects as directed, primarily as in-charge and also as engagement supervisor. Identifies and assesses key risks and controls and develops effective test plans for engagements as assigned with limited guidance. Exhibits appropriate judgment regarding issue notification, issues draft findings to client management, and drafts final audit reports for review by the Engagement Supervisor or Audit Manager. Leads communication regarding the final report with limited guidance / support from the Engagement Supervisor or Audit Manager. Demonstrates effective project leadership skills regarding engagement notification, task assignment and monitoring, interim performance evaluation and coaching, project pacing and control. Trains and mentors staff and project leads regarding required skills. Transfers knowledge and understanding of audit methods and business information.

- Drives audit plan for the Consumer Credit Center of Excellence.- Provides expertise, advice and counsel based on advanced business and/or audit experience to a complex business and/or across several business groups.- Provides leadership for projects and team activities.- Proactively implements audit strategy for the sound application of risk based practices by defining audit scope, audit program, and review and test procedures.- Exercises judgment and influences senior business managers and peers.- Helps business partners balance their business strategy with appropriate risk management controls.- Contributes to the development, implementation and communication of Audit's missions, goals and strategies.- Interacts with regulatory agencies, external consultants and other internal risk management groups.

- Supervised staff of 4 Risk Advisors overseeing annual mortgage volume of $50 billion and portfolios of $150 billion.- Developed credit underwriting policies.- Ensured accurate and compliant internal and external audits by managing records in accordance with Wachovia policies, and maintaining relationships with government regulatory agencies such as the OCC, OTS, Fannie Mae and Freddie Mac.- Oversaw the timely and accurate processing of underwriting lending authority.- Maintained adherence to corporate operational risk standards.- Addressed escalated issues regarding credit policy/product.Key Results:- Implemented enhanced loan exception process and controls that reduced exception overrides to less than 5%.- Facilitated successful internal and external audits as a result of sound recordkeeping and thorough documentation.- Instituted thorough cross-checking of underwriting standards that halted a previous history of thousands of dollars in repurchases to investors. - Managed policy and underwriting controls within all mortgage origination systems.- Developed and implemented a new mortgage underwriter certification program used by Wachovia Mortgage Corporation.

Responsible for internet marketing programs and pricing analysis. Key Results:- Developed inter-bank referral program that increased production by 5%.- Increased sales accessibility by creating an email contact system.- Established and managed relationship with Lending Tree which led to future relationships with similar online lending aggregators.

- Responsible for the development marketing and service programs for vacation ownership exchange provider (membership base of 2.5 million, annual revenues of $350 million and 4,000 employees).- Developed product strategy plans and Project Manager for implementation of products and programs.- Created cost-benefit analyses.- Managed executive information systems.Key Results:- Develop membership rewards program resulting in membership participation rate of 25%.- Launched member credit card exceeding account signup goals by 50%.- Created email marketing program that cut direct mail costs by 30%.

Evaluated strategic business opportunities and developed associated implementation plans.Key Results:- Developed rental marketing entry strategy with projected revenue of $10 million.- Managed executive information systems- Lead cross-function product development teams.

- Responsible for sales analytics for sales division of $17 billion global transportation company.- Implemented new services; identified potential target markets for revenue opportunities and created sales training materialsKey Results:- Designed and implemented international pricing program generating $1 million within 6 months.- Coordinated direct mail program resulting in 100+ new accounts.

- Responsible for marketing analytics for Marketing Division.- Implemented pricing initiatives.- Assisted in launch of new services while identifying potential target markets for revenue opportunities.Key Results:- Created price elasticity models for monitoring pricing impacts.- Analyzed shipping patterns of small customers. Implemented pricing and product changes that resulted in a 10% revenue increase.

- Responsible for budget analytics and client engagements.- Advised internal staff and partners on accounting systems. Key Results:- Created and managed long-range investment computer model for $5 million real estate client.- Developed automated accounts receivable system for financial public relations firm resulting in 20%+ receivables recovered.- Designed and taught systems training program that optimized on-site audit efficiency.