• Serving the US Congress and related constituencies this is an unique institution• Successfully led team through audits while reconstructing accounting team and addressing a series of accounting opportunities• Developed and advocated for a series of low-risk investment strategies that can increase future profits substantially

• Hands on leadership style extending to driving business strategy as well as diving into the tactical details needed to run the finance and accounting team• Proven ability to use salesforce and align quotas and commissions with business objectives• Leading an early stage software company through their Series A funding round

DCHFA provides financing to the construction industry to develop affordable housing opportunities• Design and implementation of balance sheet management strategies that are driving a 25% increase in profits• Review of credit rating agency evaluations that will lead to a ratings upgrade of at least 2 levels• Proactive design of bond and loan transaction structures driving greater profitability• Streamlining processes to enable efficient and accurate financial close process including system conversion

FS Card was a private equity backed company seeking to deliver financial products to under served consumers, enabling them to meet their everyday liquidity needs in a flexible and convenient wayAs CFO I am a highly collaborative and a true business partner with a deep understanding of goals and strategies to drive financial results. Responsibilities include:- Sourcing, evaluation and implementation of debt and equity funding- Directing and coordinating financial planning & analysis (budget, forecast, and analysis)- Providing strategic evaluation of business strategies- Synthesizing monthly & quarterly results to provide the Board and Senior Management key insights and actionable levers for sustainable growth

• Key member of management team that doubled revenues, tripled earnings, and quintupled company value including leading team through 5 liquidity events in 3+ years• Led acquisition evaluation and integration efforts for Tadpoles, LLC which has experienced a tripling of top line revenue and produced significant EBITDA growth• Created Strategic Plan for the business highlighting product line profitability, levers for future success, and opportunities to leverage our strengths into new profitability streams.• Developed and instituted monthly business review package sent to Board highlighting financial performance, key performance indicators and providing useful Management Discussion & Analysis (MD&A).• Instituted strong budgeting process working with and involving all senior managers providing greater ownership, commitment and responsibility.• Developed multiple business cases for new products and pricing options• Managed 3 teams: Finance & Accounting, Legal Services and International Division.• Led all aspects of company move including negotiating lease, state and county incentives as well as buyout of existing lease, as well as selection and oversight of architect and subcontractors.• Teamed with COO in development of business case and contracts for partnership with Sesame Workshop• Renegotiated International Distribution deal moving from a partnership with high direct costs to a licensing agreement with a defined revenue stream.• Improved operating leverage and created efficiency gains in inventory management and product procurement that resulted in over 300bps improvements in Gross Margin. Also conducted review of banking services, shipping costs, phone service, and other vendor contracts resulting in similar cost savings.

Director & Senior Vice President, Global Corporate Banking FinanceCentral Financial Planning & Analysis•Managed 4 teams: Central FP&A for the Corporate Bank, Customer Profitability Team, Competitive Analysis and Treasury Activity Based Costing •Created and maintained Corporate Banking scorecards highlighting key financial and non-financial metrics•Drove development of semi-annual international Competitive Analysis and Benchmarking study•Led efforts to evaluate technology initiatives for the business to optimize technology investments.•Formed Central FP&A team and developed enhanced routines for the business including:Development and implementation of comprehensive reported and normalized monthly reporting package, improved forecasting process, and introduced consistent expense forecasting model across the business•Streamlined Customer Profitability reporting processes reducing cycle time and increasing accuracy•Established Economic Stress Test routines for the Line of Business

CFO, Merchant Services and Global Government•Led strategic review of the Merchant Services business eventually leading to the formation of a Joint Venture with First Data and a $3.8B gain for Bank of America.•Managed all financial aspects of the transaction including deal valuation, accounting, tax and capital implications•Evaluated Visa/MasterCard incentive plans as part of corporate wide initiative•Managed all aspects of the termination of the Government Card business leading to favorable loss experience

CFO, Small Business Lending•Manage Revenue Planning, Expense Management, Card and Line of Credit Business Strategic Finance teams•Manage all components of financial planning and budgeting process•Responsible for financial evaluation of new business opportunities, technology initiatives, products, and strategies

Transition Finance-Leader•Led finance transition efforts for the $140B asset US Consumer Card business•Responsible for managing integration efforts across the card business --- marketing, call centers, collections, risk management, operations --- to achieve expense efficiencies and revenue synergiesStrategic Business Analysis Team12/04-07/05•Manage three teams: New Account Planning, New Brands & Markets, and Customer Segmentation/CRM•Responsible for optimizing $500MM marketing budget by funding the most profitable new account opportunities•Developed and manage account level profitability model used to drive customer treatment strategies-Call prioritization strategies, existing account marketing strategies and new account marketing tactics-Consult with business unit strategy areas to ensure deployed strategies are aligned with profitability objectives

Europe Card Services Financial Planning & Analytics Executive•Evaluated credit card acquisition and international expansion opportunities•Responsible for evaluating new and renewing existing affinity groups for UK, Ireland and Spain•Managed MBNA Europe’s Strategic Planning process including their Long Range Plan•Managed new account planning process including product / segment NPV to compare investment alternatives•Provided analytics and financial analysis to renegotiate Visa/Mastercard incentive programs•Led financial impact study and represented company in discussions with regulators regarding fee structures

Strategic Planning & Value Management•Directed industry and competitor analysis for benchmarking and potential M&A activity•Conducted strategic assessments of Insurance and Travel businesses to enhance corporate strategy-Developed scenarios for de novo operation / agency relationships with various partners-Evaluated profitability of products and features•Led analysis of international expansion opportunities leading to launch of Canada & Ireland card businesses-Developed business case and pro forma expectations / assessed potential for other European markets•Reengineered Strategic / Long Range Planning process-Instituted new business review process and worked with business CEOs to develop strategic plans -Evaluate and incorporate new businesses and products into long range plan-Identify gap/surplus to earnings targets and identify strategies to achieve long-term earnings targets•Created ‘Value Matrix’ framework for valuing and comparing investment alternatives-An innovative product level valuation tool utilizing NPV and EVATM-like concepts-Developed account plan optimization and lead prioritization models-Enabled valuation and prioritization of all product investment opportunities•Developed financial analysis “backbone” for Customer Relationship Management (CRM) Program-Systematic approach to Customer cross-sell through various channels-Utilized Value Matrix framework to prioritize sales effortsMarketing Analysis•Conducted analysis to launch new products and features•Evaluated and structured cash and retail activation and points programs•Assessed customer retention and promotional/primary rate pricing strategies-Initiated development of models to customize and automate retention offers-Analyzed upward repricing tests and highlighted segmentation opportunitiesFP & A•Managed Planning for flagship credit card business unit•Responsibility for preparing annual plan, quarterly reforecasts and reporting actuals

Mergers & Acquisitions / Financial Analysis•Initiated and coordinated student loan securitization•Evaluated and structured acquisition bids on over 30 loan portfolios•Led acquisition analysis of major competitor•Directed production of annual plan and monthly forecast and review processes•Created valuation methodology for direct marketing strategiesStrategy Development•Constructed a strategic “blue print” for Educational Funding division-Identified unique alternative delivery channels and evaluated delivery channel economics-Created business plans for Direct Mail, Telemarketing, and the InternetProduct Development & Management / Direct Marketing•Designed and implemented direct marketing strategies and test cells•Managed launch of Internet site•Developed and implemented a series of customer-focused loan products-Researched segments for market demand, credit worthiness and profit potential

Financial Analysis•Coordinated and led analysis of mergers and acquisitions•Designed branch valuation model to optimize retail branch franchise•Developed and supported a customer profitability model for Private Banking and Small Business •Developed an Activity Based Costing (ABC) systemDelivery Channel / Strategy Development•Created strategic business plan for Signet’s 24-Hour Telebanking center•Researched, structured and developed business plan for Supermarket Banking•Analyzed Private Banking identifying profitable segments, loan officers and markets