Led successful business operations in startups, turnarounds, and high growth scenarios, in small and medium size businesses and units within Fortune 100s. Built high performance teams and profitable fast-growth businesses, bolstered by proven expertise in consumer marketing, financial analysis, operations, risk management, IT, quality and strategic planning. Consultant 1996 - Present. Founder of this consulting company specializing in financial, marketing, risk management, operational, and strategic leadership services. Consulted to or served as interim President/CEO/COO and/or Board Member for companies in electronic banking, financial services and consumer products and services. Managed teams of external/internal personnel to deliver projects, restructuring, and improvements. International Speaker on marketing, quality, and service as strategic business tools for companies such as IBM, American Express, BMW, AAA, and Schering Plough.CEO & Chairman, Safecard Services Inc, 1993 - 96. Revitalized, reorganized, and led 50% growth for a consumer services company, increasing revenues to $236M Made several acquisitions which subsequently went public or were sold at 30 X purchase price.President, AT&T Universal Card Services, 1989 - 1993. Created and launched AT&T’s new Universal Credit Card business, growing revenues from zero to $1.4B, $250M profit, 18 million customers, and winning Malcolm Baldrige National Quality Award. Executive Vice President, Mellon Bank. Senior Vice-President, Wells Fargo Bank. Revitalized bank’s credit card business. Within three years doubled customer base, and increased profitability $55 million. Turned around Student Loan business. Managed the complete revamp of the Operations, Systems, facilities and personnel of all Consumer Lending at the Bank.BA, Systems and Management, Antioch University. Recipient of Malcolm Baldrige National Quality Award. Named “Marketer of the Year” by the American Marketing Association.