Sandra is an independent consultant with over 20 years of experience in strategy design, portfolio analytics, project implementation, results measurement, policies and procedures, and operations. She is comfortable transforming data into knowledge, solving business problems and delivering results. Sandra has hands-on experience in credit risk management, database marketing, predictive modelling, customer segmentation, credit scorecards and direct marketing campaigns. Sandra is highly skilled at leading teams, consensus building, collaboration, and facilitation. She has an ability to deliver both small and large-scale multi-million dollar projects. She is results oriented and willing to roll up her sleeves to get the job done. Sandra is an active member of the Board of Directors of the Credit Scoring and Risk Management Association. She has been a speaker at both marketing and risk conferences.Specialties: Credit Cards, Financial Services, Fraud, Operations, Retail, Telecommunications, Packaged Goods, Loss Forecasting, Basel, Adjudication Systems, Account Management, Reporting, Data Services, Scorecards, Marketing Campaigns, Champion/Challenger, Measurement, Contract Negotiation, Vendor Management, Budgeting, Business Requirements, Anti-Money Laundering, Credit Scores and Line Management