Identify customer trends, drive product development and transform operations to be customer centric via the use of data driven lean six sigma methods across Wolters Kluwer Governance Risk and Compliance Solutions (GRC) portfolio. Responsible for a team that identifies transformative opportunities in the legal information services and financial services industry by analyzing the data exhaust from the transactional businesses performed at GRC.My objective is to engage GRC data analytical muscles to leverage the millions of annual transactions from business formation, lien filing, trademark searches and corporate legal spending to provide insights into trends that will help GRC customers take action and streamline their own operations. At GRC, I am able to bring four disciplines -- market research, data management, data analytics and operational excellence — together under one umbrella, working across a broad set of legal and financial service businesses. This approach is unique and enables GRC Solutions to bring the full value of our insights to its customers, like no other business can.

Heading the creation and implementation of end to end risk policies for entire credit and fraud life-cycle of both Credit Card and Debit Card. Successfully launched the new proprietary Card program at UBS with a laser focus on high networth wealth management clients.Transforming Banking Group strategy to enable Financial Advisors to provide advise on both sides of the Client's Balance Sheet - Assets and Liabilities by comprehensively understanding the total debt of a client and driving analytically driven recommendations to drive the cost of debt down for clients.

To transforming Commercial Risk Capabilities for OPEN Small Business Customers we are redesigning systems, processes and jobs to leverage capabilities that synthesize consumer and commercial information to manage risk of small business customers that carry very large exposures and benefit from the Joint & Several Liability product construct. The team is enhancing commercial credit interaction processes and touch-points with small business customers throughout the life-cycle and all channels by engaging customers in a commercial dialogue, offering customized options to super-size spend capacity on the card and designing tiered underwriting processes to fit the size of the business and spend capacity needs. The OPEN Commercial Risk Capabilities team consists of 162 highly talented commercial underwriters, business analysts, commercial credit policy experts, and capability architects in Gurgoan, Salt Lake City, Phoenix and New York City. The team provides small business specific risk and capacity assessment based on company financials, commercial and consumer bureaus and public information. They design and execute all commercial underwriting processes for OPEN to drive scale/efficiency, deliver profitable revenue growth and superior commercial customer experience. To date, the commercially underwritten portfolio is growing at twice the rate of overall OPEN and historic low credit losses despite the challenges facing most small businesses in the current economic environment.Additionally, the team led the implementation of an Appeals and Second-look process for credit line reductions allowing customers to submit financial documentation to reconsider the decision. The process won significant good-will with customers so much so that the CEO of AXP listed this as a key achievement in the annual shareholder report.

Developed information-based capabilities and analytics for customer loyalty marketing. He led a team of 40 distinguished capability architects and analysts located in Gurgoan, Phoenix and New York who come from diverse backgrounds to partner with Marketing and Risk to design world-class capabilities for AXP direct marketing and effectively manage a partner team of 75 programmers with technology investment budget of $14MM.The team completed a large-scale transformation of the U.S. Card marketing infrastructure and business process to drive significant advancements in quality (advanced from unmeasured quality to 6-sigma), time-to-market (35-days to 6-days), operating cost (30% improvement in operating margins) and performance measurement (all campaigns tracked automatically in Campaign MIS) of the company’s direct marketing efforts. Built Score!, a world-class assessment engine that now runs over 800 models every day to provide micro-segmentation and profitability calculation for every customer-offer, created an industry leading Institutional Customer Linking and Identification Capability to link all AXP institutional customers across lines of business. Other transformational capabilities that the team drove include, Strategic Partner Recognition Capability to identify all the relationships AXP customers have with various merchant partners such as Delta, Starwood, various magazine publishers, etc. Additionally, the team led the rethinking of Customer Privacy Capability to drive informed consent and more granular opt-out choices leading to a significant increase in marketable base across channels. Lastly, using many of the marketing capabilities and the pristine data collected in one place across the entire AXP card base the team was able to calculate actual and predicted profitability for each customer.

Responsible for internet, mail order and merchant fraud risk management. Led a team that developed customized solutions to effectively reverse the loss trend - write-offs were reduced by 31% year-over-year. Forged relationships with vendors, processors, acquirers and merchants to create cutting edge fraud solutions that set AMEX apart from competition. For example, implemented no charge back guarantee at Dell using address verification from Acxiom. Established relationships with major oil companies' such as ExxonMobil and Chevron to reduce fraud losses by 50% by implementing geo-location and time-specific rules, zip code prompts, track one, etc. Created the Merchant Call Verification team in Greensboro to dramatically reduce mail order fraud losses by enrolling merchants as partners in fighting fraud and enable them to report and double-check suspicious approved transactions; first six months' savings over $10 million. Partnered with Merchant Services to implement zip code prompts at Wal-mart. Led the development and deployment of intelligent 6-digit approval code printed on every record of charge for American Express. In addition, devised automated methods to detect credit bust-out schemes using a large number of 'bread-crumbs' that fraudsters often leave behind like ANI, DDA, IP Address, etc.I joined American Express as an Econometrician in the World-wide Fraud group in 1997 and was named CSBS Champion in 2002 - highest employee award in AXP.