Teresa Silva Email & Phone Number

Austin, Texas Metropolitan Area

Oversees the development and implementation of detailed technology solutions for Financial Institutions using Q2 Online Banking Digital products, outsourced solutions or proprietary tools/techniques. Responsible for 15+ concurrent implementations with an experienced team of Sr. Program Managers and Sr. Business Consultants in a fast paced dynamic environment.

Greater San Diego Area

Responsible for executing a sales enablement strategy and roadmap that aligns with Union Bank business objectives with a focus on the sales journey, including how the CRM will enable relationship deepening across the Bank business units using Sales Collaboration tools and process.• Key participant in the transition team for the sale of MUFG Union Bank to U.S. Bank, providing leadership to U.S. Bank colleagues on alignment of CB sales business practices and priorities, including exposure to the Returns Management Framework.• Led the implementation team for a pricing and sales coaching solution (Precision Lender) for Commercial and Business Bankers that enabled benchmark credit pricing, relationship deepening, and promise to delivery resulting in ~10bps increase in returns.• Facilitated stakeholder sessions to prioritize funding of strategic projects for Commercial Banking, Business Banking, and Wealth sales initiatives and identified alternative solutions to key business issues.• Led the implementation team for the digital mortgage solution (Lender Price) for Consumers to complete an application, obtain status, and access their loan document portal via mobile devices resulting in ~30% increase in operational efficiency.• Key advocate and member of the client experience team that collaborated with Union Bank executives to deliver critical client initiatives and develop meaningful OKR’s.

California

Responsible for a portfolio of technology projects and project managers that deliver system solutions to the Consumer Lending and Credit Underwriting line of business, which aligned with their strategic goals and objectives.• Led the horizontal and vertical project execution team with an annual tech budget of ~$65MM, including governance routines that balanced ‘Change the Bank’ vs. ‘Run the Bank’ initiatives. • Provided execution oversight and leadership for the strategic initiative to share customer data and back-end processes between Merrill Lynch and BAC for a seamless customer experience. • Streamlined PMO process by establishing clear roles, responsibilities, and a standard approach to portfolio management, governance, and executive reporting thus achieving efficiency gains of 40% and reducing operating costs by ~$4.1MM annually.• Nominated to participate in the global HITEC (Hispanic Info Tech Executive Council) emerging executive mentorship program. I was honored to be one of two employees at BAC granted this opportunity. • Established the ‘Business Value of Technology’ to provide clear transparency to business partners on technology project costs and to ensure that the Business Solutions team was providing valued consulting expertise. • Drove the strategy of Financial Transformation and technology cost reduction utilizing the ‘Total Cost to Serve’ concept and reporting capability.• Key execution leader in the Countrywide to BAC transition program that spanned ~3 years and transformed the home lending business line.

California

Aligned to Home Loans Home Equity and First Mortgage Products. Responsibilities include providing technology partnership to HL Products on strategic initiatives, GSE mandates, and BAU changes. Proactively drive innovative business solutions, facilitate project definition, oversee project execution, and manage issue escalation including research and resolution. Accomplishments Include:• Countrywide Transition. Completed the Countrywide to Bank of America transition, managing eight projects with seventeen separate software implementations for a total technology budget of $7.6 million.

California

Key architect of a new Loan Origination System (NexOS) for Mortgage Applications using a service based architecture, while adhering to specific design paradigms and UI standards. This new role redefined Countrywide’s SDLC process to increase productivity and drastically improve internal client satisfaction. Accomplishments Include:• Mortgage Point of Sale. Delivered functional design and system specifications of the Mortgage Point of Sale Module and ensure business requirements and strategies are incorporated into overall project objectives. This state of the art web system integrates with 15+ existing systems to deliver an easy-to-use user interface for Retail Loan Officers and Mortgage Brokers.• Broker e-Closing. Delivered functional design and systems specifications of the Mortgage Electronic Closing Module which allowed Mortgage Brokers to enter their fees and perform the closing process by producing Mortgage Closing Documents for the consumer.

Consulted for several clients to lead engagements in Systems Assessment, Business Process Re-design, System Design and Implementation, and Disaster Recovery, and Information Technology Strategy for Mortgage Firms. Client list included: AmSouth, Guaranty Residential Lending, Finance America, E*TRADE, Irwin Home Equity, and New Century.Sample of projects included:• Standard Operating Procedures. Reviewed current sales process and outlined existing procedures. Made recommendations based on best practice, gaining efficiencies, and standardizing procedures. Worked with SOX project team on controls needed and results of test scripts to create policies along with SOP to comply with SOX requirements. • System Selection – Loan Origination System. Gathered requirements for Mortgage Sales. System solution existing of 3 components; Point of Sale, Price/Product Engine, and Contact Management. Created RFP, Project Charter, and Resource Plan. • System Design and Implementation. Conducted design sessions with a Wholesale business unit for a web-based Point of Sale with integration to a Pricing and Product Engine and a back office Loan Origination System. Built system requirements for Vendor of Choice, conducted UAT, developed training plan, and system rollout.• Business Process Redesign. Facilitated, performed, and presented to senior executives a business process re-engineering project on their Loan Origination Process, reducing internal hand-offs and costs savings of $1.2 million.• System Selection – Secondary Marketing. Gathered requirements for Sec Marketing Trading and Hedging system, created/distribute RFP’s, facilitated system reviews with structured assessment. Outlined project plan including timeline and budget. • Disaster Recovery. Reviewed business process to determine disaster recovery needs. Outlined requirements and DR options to executive management. Created and implemented Corporate DR plan with outline for detailed business plans.

Created professional methodologies and processes in order to position company to expand market share into larger client base and future IPO. Responsible for IT Development, Application Service Provider Practice, Professional Services, and QA. The firm had 60+ clients including American Express and Bank of America MCS. Accomplishments included:• Established SDLC. Established processes to provide structure for software development life cycle from RFP response through system implementation to production support.o System Requirements Designo Work Order Process (for client customizations)o Problem Reporting/Tracking Processo Quality Assurance Processo Change Control Process• Financial Analysis of ASP. Conducted review of costs associated vs. pricing of ASP Practice and presented findings along with recommendations on break-even points. Facilitated business strategies aligned with profit potentials. • Outsourced ASP Network and Infrastructure. Conducted RFP, assessed results and selected business partner Qwest to manage network, hardware, and operating systems. This project increased service levels, monitoring, security, and environmental controls allowing expansion of market share to larger client prospects.

Greater San Diego Area

Responsible for San Diego Information Technology group including Mortgage servicing and Loan Originations. Inherited existing IT group to establish strong leadership including change control, quality assurance and the launching of key business strategic initiatives. Sample initiatives:• HELOC Servicing. Spearheaded initiative with existing Software Vendor to define business requirements for an existing Loan Servicing platform to expand and support the HELOC loan products.• Broker Web Site. Developed an Internet web application to support the Advanta Wholesale business channel. Features included extensive brochure ware and online pricing. This provided Advanta a competitive advantage for their Broker business channel.• Call Monitoring. Implemented WITNESS system that allowed the monitoring of Loan Servicing (Collections dept.) customer calls along with screen entries to increase training and develop best practice for Loan Servicing policies and procedures. • Strategic Planning. Instituted regular meetings with senior business executives and IT to establish partnership in creating strategic vision for future technology projects.

Upgraded business applications and technology platforms to reduce costs, increase productivity, and mitigate risk of Y2K. Responsibilities included the IT staff, IT budget, IT Vendor negotiations/relationships, and execution of the following projects: • Implemented FISERV Unifi-Pro. Implemented Loan origination for Retail Lending (including 90 branch offices). This system replaced the legacy system and re-engineered the mortgage origination process for Aames.• Implemented Oracle Financials. Installed Accounts Payable, Accounts Receivable, General Ledger, and Fixed Assets to replace legacy systems and allow finance to automate many manual intensive tasks.• Implemented ONYX CRM. This system was to establish a comprehensive solution for managing marketing leads, pre-qualify consumers and transition prospects to loan applications.• Outsourced Help Desk. Outsourced Help Desk, PC technical support, and national hardware maintenance for an annual savings of $380,000.• Created Disaster Recovery Plan. Established comprehensive Disaster Recovery Plan including Finance, Human Resources, and Loan Servicing.

Accomplished many projects in reducing costs by using technology. Established a system environment to support 24/7 systems with 99.9% system availability to allow business growth to a global market. Implemented Client Server technology and Internet Applications using Mainframe as host system of record. Responsible for the Data Center, Systems Programming, Computer Operations, Help Desk, PC/Network Support, Disaster Recovery Plan and execution, and Special Projects assigned by the President including:• Lotus Notes/Sales Force Automation. This project allowed the remote Sales Team to track orders and check inventory of electronic parts and components using the latest laptop technology at that time. • Distribution Resource Planning (DRP). This project allowed for the product management and warehouse teams to forecast purchasing based on inventory trends and analysis.

Began profession in data processing as computer operator and developed career path into management. Increased employee retention by developing a 3 to 4 day work week to accommodate 24 hour staffing requirements