Steve Carmichael Email and Phone Number
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Chief Risk Officer in financial services, owning business functions for Fortune 500 companies. Expertise in diverse large Financial Services institutions: consumer banking, lending, and payments. Solves complex problems, helping organizations connect with customers and identify and manage their most significant risks (not just check the box) by combining strategic thinking, partnerships, and as servant leader, with relentless drive to deliver programs designed to unlock business value.Builds new processes from scratch by bringing together diverse teams, leading from strategy to execution, clarifying, aligning processes and unlocking corporate value. International background in Europe, United Kingdom, Hong Kong, and Singapore.
Encore Capital Group
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Chief Risk And Compliance OfficerEncore Capital Group Jul 2021 - PresentSan Diego, California, Us
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Head Of Enterprise And Financial Risk Management, Vice PresidentDiscover Financial Services Jan 2019 - Jun 2021Riverwoods, Il, UsHeads group of 60 full time professionals responsible for Companies’ risk framework. Holds oversight of Enterprise, Credit, Liquidity, Market and Counterparty Risk. Role includes frequent contact with Regulators and the Company's Board of Directors. -
Vice President, Head Of Risk StrategyDiscover Financial Services Dec 2016 - Jan 2019Riverwoods, Il, UsResponsible for Strategic Planning for Discover's 800 person Corporate Risk Management group. Also included responsibility for Board Reporting, management of risk integration efforts, company wide training, policies and procedures
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Vice President, Chief Compliance OfficerDiscover Financial Services Feb 2018 - Dec 2018Riverwoods, Il, UsAssumed additional responsibility as Discovers Chief Compliance Officer, overseeing all aspects of Consumer Compliance for Discover Financial Services
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Vice President - Cards Risk OfficerDiscover Financial Services Sep 2013 - Dec 2016Riverwoods, Il, UsDirected $56B Credit Card business. Built risk function to respond to heightened regulatory expectations, managed team of 170 full time employees. Direct report to executive vice president of US Cards.
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Senior DirectorCapital One May 2012 - Sep 2013Mclean, Va, UsHead of Growth Strategy and Business Risk for Capital One's Branded Cards Partnership business -
Director, MarketingHsbc Card And Retail Services May 2009 - Sep 2012Chief Marketing Officer of Private Label credit card business. Led 8 strategic merchants’ $20M marketing budget. Led regulatory and compliance project implementation and transition of Business to Capital One.
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Director, PricingHsbc Aug 2008 - May 2009London, Gb -
Director, Business DevelopmentHsbc May 2007 - Aug 2008London, Gb
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Vice President, Strategic Planning ManagerWells Fargo Mar 2004 - May 2007San Francisco, California, Us -
Director Of Strategy, Co-FounderXoomworks Apr 2000 - Sep 2003
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Senior ConsultantBraxton Associates 1999 - 2000 -
Senior ConsultantDeloitte Consulting 1999 - 1999Worldwide, Oo
Steve Carmichael Skills
Steve Carmichael Education Details
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University Of Michigan - Stephen M. Ross School Of Business -
The Wharton SchoolRma Advanced Risk Management - Banking
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Vanderbilt UniversityEnglish
Frequently Asked Questions about Steve Carmichael
What company does Steve Carmichael work for?
Steve Carmichael works for Encore Capital Group
What is Steve Carmichael's role at the current company?
Steve Carmichael's current role is Chief Risk and Compliance Officer reporting to Company CEO and Board of Directors.
What is Steve Carmichael's email address?
Steve Carmichael's email address is st****@****ver.com
What is Steve Carmichael's direct phone number?
Steve Carmichael's direct phone number is +184731*****
What schools did Steve Carmichael attend?
Steve Carmichael attended University Of Michigan - Stephen M. Ross School Of Business, The Wharton School, Vanderbilt University.
What skills is Steve Carmichael known for?
Steve Carmichael has skills like Strategy, Management, Business Development, Analytics, Marketing, Strategic Planning, Financial Services, Business Strategy, Risk Management, Start Ups, Retail, Competitive Analysis.
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