Michael Stowe Email & Phone Number

Augusta, Me, Us

Baltimore , Md, Us

• Spearhead strategies for CheckConnect, addressing both fraud detection and credit risk, contributing to $300M in incremental new money• Regularly present risk updates, performance metrics, and strategy recommendations to senior leadership, including the CRO and director of Operational Analytics.• Manage a team of analysts, automating reporting processes to enhance efficiency and support proactive fraud monitoring.• Develop and implement a credit risk reduction strategy leveraging decision tree models, reducing delinquency by 33%.• Identify gaps in fraud controls with a third-party vendor, collaborating with infrastructure teams to close vulnerabilities and enhance security.• Lead the resolution of a system glitch causing duplicate customer payments, ensuring seamless functionality and improving customer satisfaction.• Introduce and execute new procedures to handle accounts paid in full or impacted by customer bankruptcies, addressing gaps in automated payment management.• Visit branches to gather insights from front-line employees and implement operational improvements, reducing process friction.• Conducts large-scale training sessions on risk protocols, fraud prevention, and operational best practices.

Toronto, Ontario, Ca

• Lead multiple credit strategy rollouts and governance validation to ensure compliance with regulatory requirements.• Lead a team of EXL consultants to transition monthly reporting while monitoring results to guarantee accuracy.• Developed data variable requirements and validated efficacy of a new machine learning generated credit score model.• Coordinated with fair banking teams to ensure compliance with regulations and provided relevant datasets.• Developed a shared dashboard to monitor and track credit initiative tests across multiple portfolios.• Detected and tracked accounts that deviated from strategy and coordinated corrective action with governance and legal.• Enhanced downstream customer experience by A/B testing various communication methods to capture updated income.• Routinely advised second line teams on how to read complex credit strategy and improve accuracy of reporting.• Generated monthly reports on financial results and economic trends, presenting findings to senior management.• Assisted in the OCC audit process by providing data analysis and custom Ad Hoc queries with tight deadlines.• Analyzed and compared new fraud detection systems, ensuring alignment with the bank's risk management framework.• Created SAS Macros that automatically loop through daily tables in SQL Server and pull custom revenue-optimized credit lines from hundreds of Excel tables based on multi-variable criteria.

New York, New York, Us

New York, Ny, Us

• Handled an average of 30 syndicated revolving and term loan transactions on a monthly basis with the proven ability toexceed 45 during periods of high business volume while prioritizing client satisfaction and timely funding.• Trained 4 new consultants in various LoanIQ and credit agreement specifics including handling invoices, creating andsending fee payments, bringing in new borrowers, and creating + enhancing servicing group contacts.• Provided ongoing training to junior staff in addition to serving as a go-to source of knowledge and expertise.• Participated in system testing, training, and roll-out of Libor replacement rates to ensure smooth business operation

Diemen, Noord-Holland, Nl

• Independently developed a macro-enabled spreadsheet that auto-updates formatting and filters based on upcoming deal closings and quality control reviews.• Created an advanced multi-index match spreadsheet for detecting data irregularities on deals containing hundreds of borrowing entities from data gathered from credit risk and loans system dashboards.• Supported and ran daily and monthly reports for tracking deal pipeline information for our department.• Processed hundreds of transactions varying in complexity for various multinational clients including loan draw-down requests, fee payments to syndicated lender groups, and incoming receivables.• Experienced in reading complicated multi-currency credit agreements and interpreting legal definitions for input into loan systems.

Toronto, Ontario, Ca

• Learned independently how to write code in SAS / SQL Analytics and VBA.• Created a MS Access database that automatically generates reports for overdue, upcoming, and completed projects with data from SharePoint and attaches them to emails utilizing VBA integration.• Extracted and summarized credit card portfolio data-sets using SAS / SQL.• Created Excel spreadsheets utilizing pivot tables to segment calculated data across various FICO bands and partnership channels.• Developed a credit exposure tracker to test the impact of changing lines across each segment and score band for use in partner negotiation.• Presented daily analysis of data and recommendations for credit line assignments and future portfolio strategy.• Strong project performance resulted in a 2-week extension of the internship program.Volunteer Experience:• Volunteered a combined 37 hours at the Ronald McDonald House with 4 other TD interns.• Planned and executed weekly meetings with the volunteer team to ensure progress on our project objectives.

•Posted client cash receipt/disbursements in QuickBooks.•Tracked / calculated client payroll, billing, and scheduling info.•Input cost and retainer data into the firm billing system.•Prepared prior years client billing files for offsite storage.

Blue Bell, Pennsylvania, Us

•Developed and expanded performance ratio spreadsheets tracking all employees.•Saved management and executives hundreds of hours from performing tedious calculations.•Created an inventory of computers and recognized those in need of upgrades or replacement.•Transcribed critical conversations between clients and recruiters.•Created and formatted job descriptions.•Updated databases to keep client information accurate.

Philadelphia, Pennsylvania, Us

I established connections with customers while developing strong interpersonal skills by driving them to and from their service appointments. I had to be versatile and quick thinking to solve various issues such as flat tires, lost keys and towed vehicles while re-assuring customers that service processes were moving smoothly.

Bachelor’S Degree, Finance

Education record

Education record