Credit Risk Expert, with experience in Home Equity and Credit Card 2nd line of defense governance and oversite of credit risk and transformation activities.Partner with 1st line of defense partners to facilitate responsible growth and mitigating risk of large transformation of lending and managed service platforms. Evaluate and monitor transformation activities to identify gaps in end-to-end delivery for impact to credit risk.Monitor and measure portfolio and loan level performance, providing review of results with business partners with awareness to potential credit risk.

Principal Consultant experienced in providing Risk and Program Management discipline and solutions to top 10 U.S. Bank. Focus on business and technology supported projects, Delivery of gap remediation of the Federal Reserve Board’s regulatory requirements for calculation of the clients Liquidity Coverage Ratio.Complete current state assessment, developing target and transition state, data impact analysis for impacted retail loan products and deposit products.Developed operation transformation model for client that enabled role clarity, structure, and framework to ensure effective delivery projects at the program and project level.

Strategic Program Manager, with experience managing and mitigating risk of end-to-end transformation of new mortgage and home equity lending platforms. Development of program strategic delivery model for end-to-end implementation to facilitate key stakeholder engagements, monitoring progress, and identification of risks to the initiative.Communicated program implementation progress and issues to Steering Committee Members, providing strategic solutions mitigating risk to overall delivery timelines.Partnered with vendors to establish SLA’s, KPI’s and reporting framework from which to operate from and ensure delivery of critical technology enhancements met key milestones.

• Responsibilities for these new businesses included all aspects of project life cycle management intertwined with subject matter and business expertise to provide top down oversight and management with stakeholders from technology, finance, compliance, risk, supply chain, human resources, business operations’ and external partners (servicing, loan processing, and capital markets). • Provided a framework and introduced an evolution project management discipline that provided visibility, planning, management, and reporting that was a critical factor in individual project delivery as well as overall program management success. o Enabling the identification of risk to the program and quantifying the data that influenced the CEO and Executive committee to reassess the strategic approach.• Developed reporting that focused on reducing compliance errors and limit risk to $10B portfolio ensuring timely decision could be made utilizing this data and driving results through change management.

• Developed the framework and implemented Risk Model that identified potential risks that could eliminate Smart Grid Program or eliminate deployment altogether. o Ensured the model was consistent with industry standards and acceptable to the Corporate Risk Officer, Department of Energy and other regulatory bodies. o Identified through quantitative analysis $220MM in potential financial exposure.• Investigated complex issues and analyzed root causes, patterns and trends as related to issues and risks in the portfolio. o Quantified and successfully implemented corrective actions and mitigation plans that reduce $175MM in program risk.• Identified, charted and tracked all Smart Grid related Cross Project Dependencies and presented the information on a monthly basis to the Executive Review Board. o Worked across lines of business to ensure toll gates, project objectives and Smart Grid goals where on track to meet Department of Energy, State Regulators and Corporate Governance expectations.

• Start up of manual underwriting credit card operations that grew to a $350MM portfolio, reduced expenses in two years by $610,000 through system automation.• Developed credit lending policies and procedures for the manual underwriting of 95,000 credit applications utilizing data analysis of consumer reporting agencies, VISA, TYSIS and models; implemented audit strategies to ensure compliance.• Established internal risk management audit procedures that reviewed process flow, finance, federal regulations compliance, daily operational procedures, forecasted and analyzed annual business plan as well as implementation of projects. • Developed, led project and launched the new Exposure Management Division in 2008. o Responsible for limiting credit exposure through development of risk criteria and customer performance. Created concept, education, credit policy, guidelines and procedures. Reduced potential losses by $55MM.

• End to end project manager of new 200 seat collections call center; identifying key players, establishing key performance indicators, developing cost benefit analysis of $31MM budget and ensuring all tollgates where achieved while implementing key initiatives saving $1.2MM in expenses. • Managed the efforts of 18 Account Managers responsible for the risk management of a $60MM portfolio and limiting losses through strategic planning and risk analysis. Developed specific work-out plans for larger lines of credits exceeding $1MM. Received Commendation from subordinates for leadership.• Liaison for Central Region Loss Prevention testing team responsible for analyzing, tracking, recording and reporting to stake holders of the new credit strategies project that utilized FICO scores, credit bureau trades, and internal metrics to identify customers with the greatest potential of losses at the beginning of delinquency. Reduced losses by $5MM in the first month of implementation. Received Commendation for commitment and leadership.• Increased collection rates from 40% to 61% of the charge-off portfolio in the first six months through maximizing vendors, Customer Service, and strategic practices that where implemented throughout MBNA. Received Business Leader Award• Created specific loss prevention and credit strategies that utilized FICO scores, credit bureau trades, and internal metrics to identify customers with the greatest potential of losses at the beginning of delinquency. Reduced losses by $5MM in the first month of implementation.• Led development loss prevention strategies that migrated to predictive delinquent modeling for 30 day delinquent accounts. Enabled Account Managers to focus on more risk based accounts with high probability of losses by 3% or $4MM. Improved run rates from 30 – 90 days delinquent by 9%.• Reduce expenses by $5MM through analysis, forecasting, process improvements in the first year.