Banking Sales and Operations Executive - Head of Banking Operations, Line of Business Owner for P&L for depository product. • Built and led Banking Operations team of 12 associates spread across US that owned Depository products (Checking, Saving and CDs) creation, set up, launch and operational support• Oversight of deposit operations department including pricing, Tech systems ownership, vendor relations, Account Opening, Customer servicing, Transaction Servicing, GL reconciliation, ACH and wire processing and other activities• Member of TOIS (Technology, Operations, Information Security) governance committee• Oversaw development of Credit Decision Model and Engine for GloriFi credit card product launch• Assisted with building and operationalizing comprehensive data program and operational and executive reporting using dataverse and powerBI tools• Oversaw exception processing including return deposit items, chargebacks• Oversaw reconciliation of GL and accounts for cash, ATM and wire settlements• Developed, implemented and maintained bank policies and procedures and risk / control routines• Ensured timely processing and compliance with bank procedures and regulations • Managed system access for assigned banking applications and responsible for semi annual access reviews• Provided thorough and accurate reporting to Board / Management • Responsible for employee development and training including providing support and regular review of performance• Oversaw deposit operations related systems in partnership with information technology department• Influenced and assisted with new product development in line with strategic objective and make recommendations to gain desired profitability mix• Worked with vendors and other bank staff to ensure plans are in place to recover critical business functions in event of disaster or business recovery situations• Partnered with compliance and risk employees to respond to request for information from audit, compliance

Manage initiative strategy development, financial planning and project execution for small business credit organization. Drive credit decision automation in small business lending space by leveraging FinTech tools and data available within or outside the firm. Lead vendor engagement, Proof of Concepts and business enablement for client data, credit strategies and underwriting functions for small business clients.• Led initiative planning and execution for small business lending products such as small business card, Lines of Credit and various industry specific products with loan portfolio of $20B• Led financial planning, budgeting, prioritization and business case development by partnering with Finance for small business credit initiatives that support client acquisition, risk management and portfolio management• Prepared a multi-year roadmap for vendor data adoption and Software as a Service (Saas) adoption to support seamless credit strategy execution and enhanced decision automation using OCR, BOTs and end to financial spreading automation• Led various projects (idea to requirements to implementation), introduced tools and data to enhance decision automation and drive operational efficiency in small business lending space resulting in revenue growth and operational efficiency improvements• Led document collection workstream for processing of 500K client applications in one month to support Payroll Protection Program (Federal Small Business Administration Loan Assistance Program), making Bank the top loan processor during pandemic• Negotiated a phased closure of a massive vendor engagement by working across Lines of Businesses and external vendor saving the firm $2.8MM in four months• Created initiative management framework, vendor engagement framework for Tech and Non-Tech project execution and was adopted across the business enablement team

Small Business Product Strategy Execution and Enablement

Lead technology team responsible for commercial valuation services business that supports commercial collateral appraisal (Real Estate) and enterprise valuations. Responsible for team building, project planning, delivery and support.• Led a team of 15 team members to build, test and support commercial valuation services application• Led annual planning to estimate work items, build business case, and prioritize deliverables based on dependency and return on investment• Built a team by hiring new talent, grooming team members for leadership responsibilities, and changing delivery execution process to support new structure• Coordinated project across 15 different teams to align data flow, negotiate priority of work items and realize the benefits promised• Responsible for all data, software, hardware, cyber security and network infrastructure required to support a transaction based application used by hundreds of internal bank users and thousands on external bank users daily

- Key member of team involved in 2015 CCAR re-submission activities for Bank of America. Involved in 2015 and 2016 CCAR activities from commercial loss forecasting modeling side. Project Management, Technology Implementation and Agile Process Adoption for Wholesale Loss Forecasting team.• Worked with modeling team, risk analysis team, model and application development teams. Primarily involved in prioritization of work, splitting the work across different technology development teams, and helping leadership meet regulatory mandates.- Manage initiatives for credit risk rating group, Default Validation and Commercial Valuation Services for commercial clients for the bank. Responsible for financial planning, risk management and project delivery using Agile methodology.• Managed monthly forecasting of four projects with budget of 3MM with less than +-1% variance.• Conducted agile product vision, roadmap and release planning sessions for internal risk rating product development group.• Build new process and reporting metrics for executive review and coordinate meetings across all stakeholders for the multi million projects.• Responsible to identification and resolution of risks and issues and senior executive reporting for project in internal risk rating group for commercial line of business at the bank.

Manage diverse functions for multiple risk technology departments, including expense management and operational risk management for $15MM+ portfolios to assist with strategic decision making across the space.• Managed the budgeting and forecasting of 10+ line items on 15MM portfolio on P&L for two executives with target of variance in +/- 1%. Reponsible for comprehensive review and variance analysis of monthly and YTD forecasting of different line items in P&L statement.• Supported two senior executives as a business manager, by partnering with Accounting and staffing reps to develop comprehensive financial modeling, adhoc financial analysis, budget planning, strategic planning and setting up administrative routines and best practices for managing the business.• Managed operational risk compliance, including adherence of application security standards, declining and not permitted technology remediation, and internal regulatory audit issues for team of 150 resources.• Primary liaison for personnel related activities and processes; resource on-boarding, performance management and talent planning, and training. • Primary liason for engaging with vendors to develop SOW contracts, negotiate pricing and set up payment schedule.

Simon School of Business Admissions Office:Interviewer for MS Finance, Marketing and Accounting program.

Internal consultant responble for solving complex business problems and recommending best fit credit risk models for consumer risk business. • Analyzed Bank’s quantitative credit risk model, Moody’s KMV Risk Frontier model and RiskMetrics’ credit risk model and recommended the best model for risk reward analysis for consumer and small business group. • Analyzed commercial card, retail card and student card portfolios for risk reward scenarios and recommended realignment of marketing budget.• Analyzed the potential revenue opportunities for a consumer loss forecasting product and assisted in preparing the patent disclosure.

Prepared model to measure value creation/Return on InvestmentMarketing startegies for raising grants by exploring new avenues

Application Programmer and Development Lead for application with Java based Web User Interface and C++ backend. Worked for IBM Global Business ServicesAlumni of Corporate Service Corps Program of IBMMember of Emerging Technical Leadership Program of IBM