- Increased customer revenue by 26% by implementing new data strategies, operational efficiencies, and cost controls.- Integrated third-party solutions from Salesforce, Equifax, Sardine, Ekata, ID Analytics, Socure, Iovation, Middesk, LexisNexis, Cross River Bank, Marqeta, Plaid, MasterCard, and FICO.- Provide executive-level strategies and leadership with ground-up/team-of-one capabilities and hands-on contributions.- Specialties include decision science, modeling, data, risk management, credit and lending, operations, machine learning / artificial intelligence, policies and procedures, compliance, audit, regulations, legal, human resources, finance, accounting, and capital development.- Clients include community banks and FinTech/HealthTech/EdTech companies providing advanced technologies, strategies to increase calculated growth in controlled environments, and data-driven operating processes, which bring new efficiencies, policies supporting development, and capital strategies for equity and debt.

- Improved volume by 540% using expanded data-led decisions, resulting in improved payment and profitability performance and portfolio performance predictability.- Responsible for customer service, operations, sales, marketing, human resources, finance, credit (building credit risk infrastructure, writing and administering policy), capital development, legal, compliance, regulations, and audit.- Built the entire customer service function with the implementation of Zendesk, writing policies and procedures, onboarding all levels of the team, and automating the customer engagement tools and communications while forming customer interactions into actionable data points and implementing KPIs and Net Promotor Scores.- Created data strategies for underwriting, customer service, and collections to enable improved and faster decisions.- Designed models to predict student 1) likelihood for graduation and 2) payments post-graduation with embedded income estimators utilizing career projectors and earning potential from historical graduate data.- Launched a return-on-investment calculator for students to project net returns on their actual tuition at their specific school and earning potential based on their major, less projected cost of living, and other debts such as student loans.- Managed the approval by the US Department of Treasury as a CDFI (Community Development Financial Institutions).- Expanded licenses from 10 to 31 states with targeted schools, marketing plans, and loan volume projections.- Monetized the data strategy by selling the forecasted outcomes and projected student performance in aggregate.- Led Series A with RK Mellon Foundation and Walton Family/Beacon Fund. Closed bridge round with current investor Rockefeller Foundation. Other investors include Goldman Sachs, Collaboration Capital, and Kellogg Foundation.

- Responsible for all facets of risk - credit, collections, operational, compliance, legal, financial, and market. Commercial and consumer products include unsecured and secured loans, insurance premium installment loans, and auto loans.- Integrated asset-based lending policies and rebuilt credit, collections, and compliance functions - documentation, processes, lines of defense model, fraud, asset securitization, Know Your Customer, and Anti-Money Laundering.- Created turnkey and custom payment solutions designed to help companies across Canada and the US in home improvement, commercial equipment, and insurance providers.- Originated over $1 Billion in loans while improving SMB customer satisfaction / Net Promoter Score at the point of sale by 24%.

- Provided unsecured consumer loans while focusing on student loan refinancing, expanding SoFi’s target market.- Led testing of alternative financing in medical (IVF, elective procedures) and auto (first lending partner for Shift.com).- Built the underwriting team and a proprietary credit score that outperformed FICO scores using transaction information to calculate real net daily cash flow, calculating true affordability.- First in the FinTech market to utilize tokenized banking information with Intuit (Plaid is now the market leader), with enhanced affordability calculators and building transaction-level balance sheets and income statements.- Created credit tools to establish consumer balance sheet and income statement data at the transaction level.- Implemented the organization’s first risk framework, focusing on credit, collections, compliance, operational, and legal.- Personally named and recognized in Credit Karma customer reviews for service and as the highest-rated lender.- Created documentation and policies/procedures (underwriting, credit, Know Your Customer/Client, Anti-Money Laundering, Truth-In-Lending Act, Fair Credit Reporting Act, Fair Debt Collection Practices Act, privacy/security, terms of service, loan agreements).- Seed investors – Andreessen Horowitz (Skype, Twitter, Facebook, Airbnb), First Round (Uber, Square), Maveron (Howard Schultz-Starbucks).

- Responsible for risk appetite and portfolio charge-off budget of US$1.6 billion representing the portfolios in the United Kingdom (England, Wales, Scotland), Germany, Denmark, Sweden, Norway, Spain, Portugal, Italy, and Greece.- Outperformed 2012 impairment expectations by 22%, delivering an incremental US$140 million in profit before taxes.- Consumer multi-channel products, including mortgages, credit cards, personal loans, and deposits.- Executed 3 Lines of Defense risk model, with responsibility for the first and second lines depending on country.- Created new mobile payment architecture and products for mid-risk and underserved segments.- Accountable executive for engagement with regulatory bodies - Financial Services Authority, Bank of England, BaFin. - Reversed negative earnings in Spain, Portugal, and Italy within 15 months.- Increased employee satisfaction scores and surveys by 22%, focusing on recognition and career path development.

- Led the sales and implementation strategies for the largest banking clients in North and South America in analytics, consultancy, and software.

- Merchant Solutions, a joint venture with First Data, provides merchant acquiring services for debit/credit cards and other electronic payments, such as e-commerce, contactless, and prepaid cards; HK government notable client.- Asset sizes: mortgage - US$12 billion 2nd largest portfolio in Hong Kong; credit cards - US$1.1 billion, 4th most extensive portfolio; unsecured personal loans - US$800 million, 2nd largest portfolio.- Operating profit increases year-over-year: 5% (credit cards), 11% (personal loans), 26% (mortgage).- Initiatives - bundled products, cross-sell, pricing optimization, offer management, rewards engine, origination systems, portfolio management systems, process management and implementation, and change management.- Credit Card Product Launches - 1st to Market with mobile/online payments, combining multiple products: Titanium, Visa Infinite, business cards, segment-specific cards targeting high-net-worth consumers, and retail bank bundles.- Loan Product Launches – 1st to Market with floating rate personal installment loans; unemployment insurance.- First in the market to launch a rewards platform recognizing customers for total banking relationships; implemented hard/soft bundled products (payroll, mortgage, lending products) and high cross-sell ratios.- Transformed consumer bank to a universal model, increasing Net Promoter Scores by 36%.- Reengineered acquisition processes/policies with key turn-around-time metrics and led market performance.

- Led the regional team of a global organization in providing credit risk solutions, information, analytical, and marketing services to companies to balance the risks and rewards of commercial and financial decisions.Head of Marketing, Sales, Product Management, and Strategy- While investing in emerging markets, targeting sales growth of 38% and EBIT of 22% Year-Over-Year.- Signed new regional partners - China UnionPay and Korea’s National Information Credit Evaluation.- Signed new clients – ANZ, Westpac, Commonwealth, NAB, SunCorp, GE, Bank of New Zealand, JCB, Shinsei, MU Nicos, GE, CCB, Rakuten, Kookmin, LG, Samsung, SC First Bank, Shinhan, Woori, Ambank, Hong Leong, Bank Rakyat Indonesia, Standard Chartered, DBS, Bangkok Bank, Kasikorn, Siam Commercial, Thai Military.- Led product localization and market assessment for product positioning, marketing, and integration; designed hosted solutions environment to complement solution delivery and product offering; established tactical marketing strategies and communications with return-on-investment models.General Manager – Greater China (China, Hong Kong, and Taiwan)- Tactically grew sales by 162% and EBIT by 78% Year-Over-Year.- Signed new clients - HSBC, People’s Bank of China, Industrial and Commercial Bank of China, China UnionPay, China Minsheng, China Industrial, Bank of China, Fubon, China Trust, DBS.- Established a regional delivery center in Shanghai, China, optimizing resource utilization and cost.

- Led credit/debit cards and merchant acquirers with interest income increases of 25% and net charge-off of 3.75%.- Increased application volume by 35%, accounts by 20%, and customer retention by 40%.- Reengineered infrastructure with processor conversion to Total Systems, with cost savings of 22%.- Implemented marketing prescreen at branches, increasing brand and product awareness by 48%.- First US Experian client for real-time customer management integrating customer and account level decisions; created multiple-entry decision engine for all bank products for customer optimization.- Integrated rewards and loyalty programs for both debit and credit card portfolios.

- At one of the top five largest US credit card issuers, portfolios included consumer store/private label, general purpose MasterCard, and commercial cards up to $10 million in lines of credit.- Had direct responsibility for complete credit life cycle management and new product development for all Sears commercial and consumer credit portfolios - 60 million accounts and receivable balances of $32 billion.- Drove industry-leading portfolio results: net charge-off 5.43%, portfolio yield 18.42%, and pretax return on assets 5.87%.- Launched the most successful MasterCard product in MasterCard history, yielding 25 million accounts, $10.5 billion in receivable balances, and break-even operating income in 15 months.- Awarded the Sears, Roebuck, and Co. Chairman’s Award for outstanding performance in 1999, 2000, and 2001.- Launched the first commercial card product at Sears as executive team leader.- Management responsibilities included credit, marketing, and finance.

- Responsible for portfolio performance, profitability, and in-store usage of 35 million accounts.- Launched Visa product with industry-unique dual account (private label and general purpose) functionality.- Previous Manager of new accounts, authorizations, credit, collections, customer service, and finance.