Responsible for the end to end completion of key U.S. Retail Bank (Retail, Private Wealth Management and International Personal Banking) planning and forecasting processes including month-end close, bi-monthly Outlook, Mid-Year Reforecast and 3 Year Base Operating PlanManage four New York based employees along with indirectly overseeing offshore (Mumbai, India / Costa Rica) personnel supporting key U.S. Retail Bank financial reporting activities Established the framework for the full integration of all strategy related functions within Finance through the implementation of core processes, the roll-out of enhanced competitive intelligence and increased participation with the BusinessPartnered with the Business and Decision Management as well as other key stakeholders to develop an achievable long-term growth strategy focused on select domestic markets, emerging affluent/high net-worth customers, increased digitalization and a light branch footprintServed as a trusted and valued advisor to the Business in the launch of profitable strategic initiatives including FinTech adopted mobile applications, robo-advisory services, an open lending network and best in class digital acquisition and self-servicing platformsConducted regular briefings with senior management to communicate financial performance relative to prior period actuals and corporate targets. Made recommendations to improve profitability and drive sustainable long-term growthUtilized proprietary financial models in order to determine optimal product, pricing and distribution strategies as well as levels of investment in expanding the Citigold and Private Wealth Management salesforceFormed a coalition with the Business to drive cost savings via headcount optimization, back-office offshoring, procurement reengineering and the closure of underperforming branches

Integrated, analyzed and developed presentations to communicate financial results for all Global Consumer Banking North America (Cards, Consumer Banking, Commercial Banking and Mortgage) and International (Mexico, Latin America, Europe and Asia) businesses for Citigroup CFO and Board of DirectorsLed Global Consumer Banking bi-monthly Outlook, Mid-Year Reforecast and 3 Year Base Operating Plan while ensuring the timely and accurate delivery of information to senior managementPlayed a key role in supporting Investor Relations to articulate the business strategy and quarterly earnings for the Consumer business both internally and externallyEngaged in a wide spectrum of ad hoc analyses including deep-dives into Non-Interest Revenue, Compensation, Cost of Credit and other key operating metricsWorked closely with the Business on renewing Citigroup’s lending agreements with American Airlines and Home Depot as well as securing the rights to be the exclusive issuer of Costco co-branded credit cardsDeveloped strong partnerships throughout the organization including Global Consumer Banking product groups, Treasury, Tax, Controllers, and Legal to help inform and influence senior management decisions

Managed the revenue and expense forecast process for all proprietary and co-brand lending portfolios Led cross-functional taskforce to improve internal forecast processes. Initiative resulted in increased accuracy, task automation, improved communication and overall efficiencies to the monthly and annual forecast process. Reduced forecasting cycle times by five business daysDesigned NPV and discounted cash flow models to identify value of assets for potential divestitureProvided the American Airlines business team with analytical decision support including financial modeling throughout the AMR (American Airlines’ Parent Company) post-bankruptcy contract negotiationsProvided weekly financial updates to product teams that identified trends and help developed strategies for sustainable growth. Analysis assisted the Business generate Year 1 purchases sales and revenue of $200MM and $10MM respectivelyAssisted business partners by calculating profitability metrics including Return on Assets, Efficiency Ratio and Payback Period to ensure funding was optimized for their business critical marketing programsCoordinated and managed all forecast loads into Hyperion/Essbase. Worked with database team to customize fields and create automated financial reporting

Developed and institutionalized financial models to improve the forecasting of internal metrics including accounts, purchase sales and revenueWorked with the new product development team to evaluate the profitability of issuing a co-brand lending product with Costco and JetBlueAnalyzed card member receivables by fixed and variable pricing to determine the organization’s exposure to yield compressionStreamlined the small business lending division’s re-engineering process by instituting safeguards to ensure all projects met financial standards and compliance guidelines