C. Michael Berl Email & Phone Number

Mclean, Va, Us

* Accountable for 3rd line of defense oversight for the US Card portfolio • Provide independent, risk based credit assurance services to management and the Risk Committee of the Board of Directors• Provide assurance around the identification, measurement, management, and reporting of credit risk through quarterly targeted reviews and business risk profile assessments • Escalate issues to senior management and actively collaborate with LOB's to develop corrective action plans (CAPs)• Follow-up as needed to ensure that remediation efforts are in line with CAP timelines and that the corrective action is effective and sustainable prior to closing the issue

White Plains, New York, Us

Argus Information and Advisory Services is the leading provider of analytics, information and solutions to consumer banks and their regulators. Argus helps its clients maximize the value of data and analytics to allocate and align resources to strategic objectives, manage and mitigate risk (default, fraud, funding and compliance), and optimize financial objectives.

Chadds Ford, Pa, Us

Bridgeforce is a specialized consulting firm to the world’s top lending institutions with in-depth knowledge of client-side lending and payment environments. Our expertise has enabled high-value, best-fit solutions optimizing client resources and lowering execution risks.With market, regulatory and technological changes continually altering the risk landscape faced by sophisticated lenders, corresponding business changes require hard choices and the courage to make them. Bridgeforce has a strong record of helping clients make these choices by providing solutions that are achievable and bring meaningful change.

New York, New York, Us

Managed all day-to-day production and support activities of the Credit and Fraud Operations functions for the Andean Region of Latin America comprising Colombia, Peru, and six Central American countries (El Salvador, Costa Rica, Panama, Honduras, Nicaragua, Panama). Credit & Fraud oversight for Brazil & Argentina.Represented Latin America on Citi Global Fraud Execution team driving assessment, development and implementation of global best practices throughout the Fraud lifecycle including detection, mitigation, & recovery.Identified, developed and implemented common operating processes, controls, and metrics; capacity plans, efficiency, expense management & innovation to ensure consistency in evaluation of emerging markets.

New York, New York, Us

Responsible for development & administration of Quality programs supporting 4000+ employees engaged in Credit Operations functions including Citi Branded & Retail Credit (Home Depot, etc.) underwriting, Fraud operations supporting same portfolios, and Commercial Credit Operations. Focused on Cardholder Impact / Experience opportunities in addition to efficiency and procedural improvements. Facilitated and collaborated with senior leaders the results of monthly Cardholder contactor survey performance (Satisfaction; Net Promoter scores, etc.). Developed concept of "process" and "individual" quality sampling to allow tie-in to employee balanced scorecards.Served as NA representative on Global Credit Underwriting working group including participants from EMEA, AP, and Latam; participated as Credit Underwriting SME as guest auditor for Japan and Russia internal audit reviews.Served on steering committee and acted as Project Manager facilitating the Consumer Credit and Fraud Operations functional integration (operating platforms, policies & procedures) and site consolidation strategy following Citigroup acquisition of Associates National Bank .