Key member of senior business development leadership post MBNA America acquisition. Led high profile, award winning programs in growing the mortgage business and in tightening regulatory compliance across government mandated programs such as HAMP. Drove significant profitability and process improvements across the institution. ▪ Led seven member mortgage business development team that educated more than 5K card associates to identify the right customers and seamlessly transfer them to mortgage professionals. Card cross-sell business funded $3.3B from 2006-2010 with each year 10-15% above plan. Led 7 member mortgage business development team to improve the performance of 1.5K Bank Branches who were underperforming in selling mortgage. Educated 4K branch personnel on how to sell mortgage products to branch customers as well as how to approach realtors, CPA's, Lawyers, financial planners and builders to increase business. Branch business funded $3.9B with 25% increase from previous year’s volume. Awarded the ‘Leadership Through Influence Award’ and the ‘Bank of America Team Spirit Medallion’ twice.▪ Served as Government mortgage HAMP Modifications Solicitations Program Manager. Developed and implemented letters to inform 3 million mortgage customers facing foreclosure of the HAMP mortgage loan modification program followed by calls from vendors designed to get the customers to apply. As a result, 1.5 million mortgage customers avoided foreclosure through this program.▪ Directed team of 100 across internal and external outsourced resources in India assembled to manage the mortgage breach letter program. Highly regulated function with involvement from key OCC, audit and legal constituencies. Complex letter program sent in excess of 200K monthly letters impacting $30B in delinquent mortgage loan volume. Letter process served as launch to foreclosure process requiring significant oversight and accuracy. Dramatically improved accuracy in short time frames.

True business development pioneer in the launch of MBNA America’s Consumer Lending and Sales Finance business lines. Known for design and implementation of highly impactful marketing and sales programs. Central figure in the signing and growth of business partnerships which produced significant revenue growth over nearly a decade.▪ Directed origination and processing of $4B of mortgage loans through vendors. Negotiated service-level agreements with vendors that required adherence to standards higher than those for their own portfolio. Achieved customer satisfaction rating of 93% while developing a program to market piggy-back second mortgages to first mortgage customers resulting in a 35% sales rate.▪ Signed 67 correspondent financial institutions to MBNA Home Equity Wholesale program including World Savings, Cal Fed Bank, Home Savings, Sanwa Bank and Guaranty Bank. Developed highly successful strategy with World Savings to market an 80/10/10 mortgage program to their branch network, generating $1B in home equity loan volume over a 4-year period.▪ Reduced home equity acquisition cost 64% by changing direct mail vendors and developing a 50-person in-house telemarketing team. Developed 8 direct mail creative packages in 2 years, which proved instrumental in raising response rates to 6% from 2.2%.▪ Served in Sales Finance Sales and CRM Manager for MBNA America, signing 14 groups in 2 years, including TheKnot.com, Uniglobe Travel, and Blue Nile that generated $225MM in outstanding balances.Served as Business Lending Sales and CRM Manager signing new clients for business loans. Signed 10 companies including Lending Tree, Invacare, Americas Mart and NAPA Auto Parts.Generated 18K accounts and $138MM in loan balancesDrove programs designed to activate new or existing credit card accounts for 200K accounts that were inactive for greater than 9 months, resulting in 70K customers activating their accounts (35%) and generating $227.6MM in outstandings.

CEO of this American division of a British corporation. Had full P&L responsibilities. Directed Sales, Marketing, parts distribution, and technical support for this international manufacturer - annual sales $10MM. Managed 50 employees.