CU Healthcare PayCard was founded on the idea of providing a comprehensive suite of healthcare expense financial solutions for credit unions to offer to their members. CU Healthcare PayCard is a credit union service organization (CUSO) and the first and currently the only healthcare payments CUSO for the credit union industry.The PayCard™, a healthcare focused credit card, is the first product in a comprehensive suite of healthcare expense and financial solutions designed to attract and retain credit union members. The PayCard is a unique product that empowers cardholders to simplify and improve both their healthcare services and related expenses. It also enables credit union members to take greater responsibility for their direction of care while allowing medical providers to be paid in full at time of service. • Up to 5% Cash Back • Approval within Seconds • Generous Credit Line • Prescription Savings • Financial Wellness • Advocacy Assistance

Global Banking, Marketing, Credit and Risk Management● Designed and led a turnaround from negative $100M in losses to $300M in profit per year for a credit card portfolio. (Barclay’s, UK)● Led design of best-in-class digital banking solution for a top-5 UK Bank resulting in a 40% improvement in efficiency. (IBM Consulting) ● Introduced data driven sales process across Europe that fueled a 17% increase in commercial customer revenue. (HSBC Europe)● Developed integrated modeling & forecasting processes improved accuracy by 37%. (Capital One)Advanced Analytics, Artificial Intelligence, and Machine Learning● Developed Artificial Intelligence (AI) credit models for a US credit card issuer that are 5x more likely to exhibit revolving behavior at acceptable levels of credit risk. (Ernst & Young)● Applied Artificial Intelligence (AI) modeling for Anti-Money Laundering (AML) identification that reduced alerts by 42%, slashed false positives by 87% and reduced reviews. (IBM Consulting)Business Transformation ● Returned $15B credit card and personal loans businesses to profitability by overhauling operational workflows, improving credit risk management strategies, and implementing enhanced governance & controls. (Halifax BOS, UK)● Delivered $100M+ increase in financial benefit by leading contract negotiations and forging a new strategic alliance that established new, value optimized products. (Knowledge Network Institute) Regulatory Governance and Compliance ● Built an effective Credit Risk Review function. Included forensic portfolio performance diagnostic, automated monitoring of regulatory compliance, and redevelopment of poor performing NPV forecasting process (Capital One) ● Designed process to address regulatory concerns centered on overall organizational data quality. Included the identification of critical data elements (CDE), and development of active data quality review and remediation process. (Ernst & Young)

Knowledge Network Institute (KNI) | Principal | 2004 – 2010 & 2020 - CurrentCombined technical acumen with entrepreneurial mindset to build a competitive consulting practice. Specialize in custom, innovative, and transformative solutions, and perform Interim Management roles for large banks and financial services firms. Key Interim Management Roles included:• HSBC Europe | Interim Chief Information Officer & Head of Analytics Commercial Bank• Barclaycard Europe | Interim Director of Marketing Cards• Halifax Bank of Scotland | Interim EVP Marketing Cards and Loans • Capital One | Head of Credit Risk Review

Subject matter expert for Consumer Banking and executive leader overseeing North American recruiting, staff retention. and development for top consulting talent. Managed a book of management consulting business including sales and delivery of over $15m per annum

Led credit risk practice for Data Services, Business Intelligence, and Data Diagnostics. Led a team of over 250 professionals which generated revenue in excess of $20m target.