Independent consulting focused on IT process, governance, and program remediation. Interim and fractional Chief Information Officer (CIO) support is available. Selected engagements include: • West Coast regional bank: Performance management, technology organization review, and vendor management support. • California startup: Business case development, business plan, and term sheet support.• Large financial services firm: Enterprise transformation portfolio, program, and project methodology development and integration.

Assumed responsibility to create and drive a market winning technology strategy while completing the implementation of our nCino and Salesforce deployments as well as our move off of Libor based loans. We will also be transforming the US Technology organization into a product/platform operating model built on a Scaled Agile framework. Since joining the team our accomplishments include:• Delivering the Paycheck Protection Program (PPP) on the Salesforce platform in three weeks• Completing the last phase of our Small Business migration to the nCino platform• Reducing Technology risk findings by 80% in the first 90 days of assuming responsibility for the area• Driving currency and technical debt efforts across the portfolio

Recruited to 'fix' and deliver several critical projects and to develop and drive the retail technology strategy. The responsibilities included a portfolio spanning 250 applications, 300+ global FTE, and a ~$400M+ annual budget. I was held accountable for all product and channel interactions and product development for deposit products and services as well as mortgage, home equity, personal loans, credit cards, auto lending/flooring and wealth management across front, middle, and back offices. The team's accomplishments include:• Developing the first retail banking technology strategy, target operating model and delivery roadmap. • Being the earliest and most successful adopters to-date of Scrum of Scrums Agile in the TD in the U.S.• Deploying an integrated custom digital self-service collections ecosystem in less than 100 days.• Delivering California Privacy in a five-month window.• Implementing a cloud-based mortgage & Home Equity Line of Credit (HELOC) digital sales and service platform (Roostify) which has reduced average loan turn time by 12 days. • Reduced time to market for deposit products by 50%.• Bringing the Systematics Core current, reducing customization by 70% and ongoing upgrade costs by 75%• Retiring 59 systems, averaging 12 – 15 annually by delivering four transformational enterprise platforms.

Mortgage Fulfillment TransformationServed a team in the successful replacement of a custom mortgage origination environment with a modified package. This effort was one of the largest programs in the bank, supporting over 10,000 users. When the application went into production our JD Power ranking, after 60 days, went from 11 to 1. Reduced average fulfillment time by 30% and cost by 40%+. Mortgage Technology StrategyManaged the development of the end-to-end technology strategy for the mortgage business during the financial crisisMortgage Servicing TechnologyServed a team of ~1,000 (US and India) in the support of over 55,000 users (peak) .- Implemented regulatory requirements in 60 - 90 day cycles at the height of the mortgage crisis- Worked with regulators to address concerns over aspects of both the 'good' and 'bad' Bank- Employee Engagement Champion for 3,000+ technology team members- Participant in the Executive Advanced Development ProgramLegacy Asset Servicing TechnologyLed several teams in stabilizing and enhancing systems the technology associated with mortgage foreclosure, bankruptcy, short sale, deed-in-lieu and REO management during the height of the financial crisis. Drove the successful (zero defects) 90 day technology transformation associated with OCC and FTC Consent DecreesInstitutional Mortgage Service TechnologyLed team of ~ 250 (US and India) in maintaining and enhancing the technology associated with the correspondent, warehouse and wholesale mortgage lending operations generating $20 - $30 Billion a month in mortgage and HELOC loan production. Risk Control Officer for Mortgage Sales and Fulfillment Technology

Executive Vice President, Application DevelopmentLead team of 150 + (US and India) in maintaining and enhancing the technology associated with the correspondent lending channel (50% of mortgage production ~ $ 15bb per month). Executive Vice President, Business Transformation GroupResponsible for leading enterprise initiative teams

Director of Technology SolutionsCo-founder and co-owner of a venture capital funded boutique consulting firm. Selected clients included Wells Fargo Home Mortgage, Wells Fargo Small Business, American Savings Bank (Hawaii), Freddie Mac and Countrywide Home Loans.

Partner (1999 – 2002)Senior Manager (1994 – 1998)Led Advanced Technology Practice and the Financial Services Technology Practice in the Western U.S.