Consumer Card MIS Reporting Manager, Senior Vice President -Managing a team of 25 associates responsible for 250 Consumer and Small Business Credit Card reports. Interacts with all levels of management to complete ~190 complex projects annually. •Lead the transition from a manual excel based environment to a self-serve model, leveraging both Tableau and MicroStrategy. Conducted over 50 education classes to ensure a smooth transition to target state tools. The cubes are now leveraged by all lines of business encompassing 1,000+ Analysts. The transition has reduced incremental report requests and a better end user experience.• Built several executive scorecards that monitor the health of the business across Consumer and Small Business Card to drive business decisions more quickly. • Managed Card payments reporting for Visa and Master Card supporting the daily operations and interchange spend analysis. The team produces several Tableau and MicroStrategy reports around consumer and small business spending by merchants. These reports are leveraged by the Payments and Finance teams to track and forecast retail sales and interchange income.

Senior Vice President -Manage a team of 12 associates responsible for consumer unsecured lending asset quality reporting for front and back book. The team produces over 100 standard reports plus completes ~200 ad-hoc analysis annually. • Transitioned the team to Visual Insight within MicroStrategy to build self-serve data sets, analysts can leverage this tool for reporting and ad-hoc requests. Conducted over 20 education classes on how to leverage this reporting tool. • Developed a monthly asset quality presentation that provided insight into the health of the Card portfolio. The presentation incorporated macroeconomics, acquisition, back book, and competitor trends. • Managed the Credit Customer Experience reporting team for two years. Increase automation rates and improve data analysis. Created satisfaction targets that drove steady improvement annually. • Leveraged Argus competitor data to examine our lending philosophy compared to the industry. Produced detailed analysis that identified opportunities to our current credit strategies within the Bank’s unsecured and credit builder portfolios. • Developed executive scorecards that monitor the health of the business and identified headwinds. • Prepared detailed P&L’s highlighting the benefits preferred customer treatment (Customers >$20K in assets) added to the bottom line by showing the total relationship for all products.

Managed a team of 5 HR professionals supporting more than 110,000 associates including the Banking Centers, Global Card Services, Mortgages, and Deposits. • Responsible for all associate metrics reporting across each line of business and the overall Global Consumer Small Business Division. These reports were used to adjust staffing levels and set business goals by line of business.• Developed a standard reporting package across each line of business and an executive overview presentation that was presented monthly to each HR Executive.• Lead analyst for multiple projects including analyzing attrition trends in the Banking Center by role and performance trends based roles, learning impacts to associate variability, spans of control, and attrition drivers in the call centers• Transition Finance Manager–Member of the Finance leadership team responsible for achieving $850MM in expense reductions for the Bank of America / MBNA merger. • Developed a detailed reporting package analyzing the progress towards eliminating more than 6,000 positions through severance, attrition, and open positions.

• Coordinated expense/capital/people for the U.S. Card Sector by developing effective reports for senior management to analyze expense challenges and provided detailed solutions.• Managed $1.2 billion dollar U.S. Credit Card plan by ensuring over 80 Budget Analysts received their control total and completed their budgets accurately and on time. • Lead the efforts to secure funding for the launch of MBNA’s Quantum credit card. Worked effectively with Product Development and various operating areas within U.S. Card to identify over $8MM in funding requirements.

• Prepared financial analysis, highlighted performance issues, and prepared reports for management.• Developed and maintained complex financial models, proformas, and projections.