Revenue Director for Credit Card

Ally Bank acquired Fair Square Financial in Dec 2021

Marketing Management, P&L Management, Direct Mail Acquisitions and Test Strategy• Manage a marketing budget of $20+ million and responsible for a 5+ year acquisition plan for both direct mail and Digital acquisitions and new account forecasting• Set overall test agenda and strategy for all price testing, underwriting expansion and creative testing • Responsible for all direct mail creative development, marketing agency management and execution of all product and pricing setup and implementation• Acquired several hundred thousand new Ollo accounts with over $500 million in credit line exposure• Developed and launched the Ollo Platinum and Ollo Rewards credit card products in as part of the Fair Square founding team• Designed and implemented the Digital application process and pricing/offer management infrastructure

Head of Acquisitions for Barclaycard Branded Credit Card Products • Manage acquisition strategy with P&L responsibility for all Barclaycard branded (non partner) credit card products in both the direct mail and Digital channel• Responsible for an acquisition marketing budget of over $50 million per year • Manage all Digital and direct mail acquisitions for Barclaycard Arrival, Barclaycard Rewards and Ring• Develop ongoing test strategy, price optimization and targeting for Barclaycard Rewards in both the Prime and Near Prime segments across Marketing Analysis, Credit, Finance and Digital Marketing groups• Launched new account acquisitions for the Barclaycard Arrival travel rewards card • Developed and launched the Barclaycard Rewards product which has acquired over one million new accounts and over $2 billion in credit card loans in the Near Prime segment

Marketing Management, Testing and Optimization:• Director for the Business Engineering team which reviews and develops business initiatives for strategic and marketing tests in the registration path; Saved over $5 million in marketing with no net impact on new accounts• Led efforts to determine the effectiveness and initial results of incorporating the Free AOL e-mail account strategy into the legacy CD-ROM based registration path• Responsible for managing improvements and optimization of the on-line account registration system for over 3 million new AOL dial-up and Broadband accounts

Subprime Account Management (Portfolio, Retention and Credit Line Increase Programs)• Responsible for credit card retention programs to retain existing credit card customers including the extension of over $100MM in additional credit lines• Developed APR pricing and credit line increase strategy for retention programs on a credit card segment in excess of 10MM accounts and annual profits of over $500MM. • Designed and implemented the first subprime credit line increase program at Capital One in three years following a suspension due to risk and regulatory concerns in 2002• Headed valuation team to develop credit line strategy and credit policy for several million sub-prime accounts using rigorous data analysis, NPV valuation and analytical techniquesCredit Card Digital Acquisition Strategy • Started the Digital marketing and strategy development for credit card account acquisitions at Capital One. Instrumental in growing the portfolio from a few hundred accounts to over one million accounts• Managed the product strategy group within the Internet account acquisitions business including advertising, product definition, and test design/optimization of a > $10 million marketing budget • Negotiated two major (> $1million) advertising partnerships with DoubleClick and Yahoo!• Developed the financial models to value two major credit card co-brand opportunities• Performed the analysis on a $50+ million corporate brand campaign to determine impact on the number of Internet applications and credit quality of applicants

USAF Reserves Captain at Hanscom AFB (Boston, MA area)• Assigned to the Plans and Programs Directorate at the Electronic Systems Center (ESC/XP)• Project Lead for Program Strategy and Execution (Security Clearance: SECRET)• Projects include website communication strategies and developing strategies for organizational transformation