Led a team of Customer Protection Product Strategists which developed multi-year strategies and managed the multi-product roadmaps for account opening, enrollment, authentication, security for Online and Mobile BankingCollaborated with Product Development and created an inclusive team environment based upon trust regardless of the matrix reporting structure.Represented the Digital channel in 2014 OCC audits presenting Bank of America’s current and forward strategy which interpret and addresses FFIEC Guidance itemsEstablished deep relationships and networks with industry peers establishing informal and formal quarterly industry forums.

• Responsible for multiple business lines authentication strategies; Consumer, Small Business, Private Label Card, Canada Card across the digital channels • Developed the multi-generational roadmap to authentication and security strategies which include out-of-band, multiple one-time passcode, biometric technologies, and device asserted identity• Coordination and collaboration with Global Fraud, Global Information Security, Compliance, Risk, AML, and Legal to create strategies and solutions that balance the needs of all affected areas in a way that delivers key business objectives within the confines of tightly managed budgets• Industry solution expertise and broad vendor relationship management• Co-signer of 9 security patents in the digital channel

• Business Leader for a multi-year, multi-million dollar project to migrate to RSA Adaptive Authentication which covers multiple business lines• Developed the deployment strategy for the 30 mm customer migration strategy• Provided deep product expertise and knowledge throughout project life cycle which led to zero customer impact at roll out with a reduction of customer challenge rates by 3 percentage points• Initiated change controls to divide project into two phases in order to significantly reduce risk; one focused on the re-architecture of front end presentation/application layer and the second on the back end core authentication platform• Influenced the removal of project scope to decrease customer impacts• Identified audit/compliance issue mitigation techniques for OFAC and multi-factor authentication gaps • Developed and delivered presentations to senior management, sponsors, and other teams in support of project• Supported the Security Strategy team by keeping sight of the broader eSAFE Services framework• Trained new resources from the Operations team who manage operations post project warranty

• Inventoried Wachovia’s numerous implementations of out-of-wallet solutions for the Wachovia/Wells Fargo customer migration• Completed evaluation of the multiple instances of dynamic, knowledge-based authentication solutions by VerId (i.e. RSA Identity Verification, sold to LexisNexis) • Presented carry forward recommendations to the merger integration executive leadership

• Managed multiple major product releases and bi-monthly production support efforts• Authored numerous business requirements documents and product stories for Agile/Scrum development• Managed the product direction and roadmap of Financial Services suite; PhishingNet, FraudNet for Account Opening, and Image Mask• Influenced the decision to move the product line to industry standard technologies thereby increasing market share into top tier banking institutions• Defined market positioning and partnered with marketing executives on product marketing plans• Compiled competitive intelligence research and feedback from prospects and existing customers• Generated marketing collateral and internal guides for usage by customers, sales, and marketing teams• Managed prototype projects and the development of interactive product demonstrations• Conducted training sessions with the professional services team to sales, product and engineering• Partnered with the global sales team in the pre-sales process in such areas as onsite discovery sessions, product presentations, project estimations, and RFI/RFPs proposals at leading worldwide Financial Institutions• Provided consultation to Wholesale, Treasury, and Retail teams at top tier Financial Institutions in the subjects of cross channel fraud, emerging fraud trends, operational processes, and strategic planning

Wachovia/First Union • Managed the implementation tactical online security solutions prior to the issuance of the FFIEC Guidance on the Authentication in an Internet Banking Environment• Developed the multi-layered Online Security and Fraud strategy for consumer banking • Authored the internet authentication business case leading to a multi-million dollar funding approval• Founding member of the Online Customer Protection Governance team• Implemented multiple vendor solutions for risk based authentication, out-of-wallet, device fingerprinting• Conceived multiple detection solutions to prevent/detect online fraud; significantly reducing losses • Conceptualized real-time fraud alerts and reporting in the online channel• Maintained product roadmaps for multiple online products to ensure success • Expert in customer facing online channel merger conversions: Signet, Wachovia, Prudential, SouthTrust, and World Savings Bank• Completed a full navigational mapping from the legacy online services platform to the environment identifying gaps and navigational issues; a potential impact to 3.5 million customers• Influenced the adoption of standard UX design across more than 40 authenticated products which reduced future maintenance time to market and created branding flexibility for business segments• Designed the Service Message application which created the ability to communicate outage notifications customers• Increased adoption rates of marketing campaigns through the design and delivery of tools which presented marketing collateral to customers at login

Wachovia/First Union• Implemented the first real-time online enrollment application• Led team implementing the first online services application on IBM WebSphere • Designed and implemented the online credential self service reset processes