Michael Haran Email & Phone Number

New York, Ny

• Led development and implementation of an Investment Optimization process across all Citi businesses to maximize investment returns and allocate capital to highest return businesses/initiatives.• Develop and implement a risk capital based investment valuation framework across Citi businesses used in the allocation of capital to the highest return opportunities• Develop and implement a TARP (Troubled Asset Relief Program – Government aid program $45 billion) program office to facilitate the investment approval process, tracking and reporting of TARP capital. Created team consisting of business, finance, treasury, and risk management representation. Finance contact for TARP with Federal Reserve, US treasury and OCC.• Responsible for the monitoring and approval process for the TARP government program leading to the approval of $50 Billion in capital investments..

New York, Ny

• Primary P&L/financial responsibility for the International Consumer Lending business including Consumer Card, Small Business Services, and Non-Card lending loans across 20 International markets. Total Revenues of $2.8 billion, Assets of $12 billion. Member of Consumer Lending Leadership Executive Team.• Support implementation of Premium Lending Strategy across International Lending markets including pricing changes, product conversions and new product development.• Develop and implement systems for analyzing and evaluating investments and acquisitions using a disciplined process for evaluating different expenditure alternatives to ensure that capital is deployed in a manner which enhances shareholder value.• Finance lead for all new product development including test design and results tracking for all International Lending products and across distribution channels.• Record, report, analyze and interpret financial information and related statistical data used to plan, guide and evaluate financial results as compared to plans, budgets and historical or projected trends presented to senior management.• Built high performing team of 15 Finance professionals covering pricing, portfolio analytics, new product development, investment valuation, and financial results.

New York, Ny

• Responsible for Consumer Card $600 million in investment optimization requiring the allocation of investment resources across International markets based on optimal returns.• Recruited by AMEX CFO to lead, design, and implement Investment Optimization process across all American Express business units to provide financial flexibility at the corporate level ($2 billion investment portfolio)• Finance lead for all new product development including test design and results tracking for Charge Cards, Small business services, Insurance, and Lending products across distribution channels.• Drive analytics, vendor negotiation, plan/forecast process and develop strategic plan for the Membership Rewards/Co-brand programs across International markets.• Finance responsibility for worldwide strategic planning process.• Manage and lead Finance team of 36 professionals across multiple locations (London, Phoenix, NY).

New York, Ny

• Standardization of investment valuation process across GFS (Private Banking, Internet banking and brokerage, IDS financial advisors, International Card) including valuation methodology, investment tracking/reporting, and investment allocation.• Responsible for GFS $700 million in investment optimization requiring the allocation of investment resources across GFS businesses.• Built Membership Rewards Analytical platform and drove analytics, vendor negotiation, plan/forecast process and develop strategic plan for the Membership Rewards program across International markets.• Negotiations and financial parameters for Co-branded programs, Financial Services joint ventures, vendor negotiations and Portfolio acquisitions.

London, United Kingdom

• Built new Finance Team in UK to support the International Consumer Card Business. Controlled annual operating plan/forecast process, investment allocation.• Primary P&L/financial responsibility for the International Consumer Card Group encompassing 42 markets including charge, lending, SBS, and insurance products/services. Member of Consumer Leadership Executive Team.• Drove revolve product launches in 16 markets including Germany, Argentina, Brazil, UK, Hong Kong, Mexico, Taiwan, India, Singapore, Canada, Japan, Australia, New Zealand.• Negotiations and financial parameters for Co-branded cards including Thai Airways, British Airways, Aeromexico, Air France, Costco, affinity programs in Australia, Germany, Italy, Spain. Insurance vendor negotiations and Portfolio acquisitions.• Developed and implemented Investment Optimization process and platform for International Card businesses including investment valuation process across 42 markets, valuation methodology, investment tracking/reporting, and investment allocation.• Developed and rolled out first worldwide strategic planning process.

New York, Ny

• Primary responsibility for large partnership negotiations and support.• Analyzed political, economic, demographic and business climate of markets targeted for revolve card launches. Responsible for preparation of business plans and presentations to senior management in order to secure investment funding.• Responsible for the financial training of both Marketing and Finance staff on revolve economics.

New York, Ny

Director, Business Analysis, US Consumer Services Group -New York 1995-1996Manager, Business Analysis, TRS Consumer Lending, -New York 1993-1995Manager Financial Administration, US Consumer Services Group-New York 1991-1993Manager Financial Reporting and Analysis, US Consumer Services Group-New York 1989-1991Senior Financial Analyst, US Consumer Services Group-New York 1987-1989Financial Analyst, US Consumer Services Group-New York 1987-1987

New York, Ny

•Responsible for the annual budget/forecast process and preparation of long term plan.•Profitability analysis and impact studies for various sports programming on an ongoing basis