Collaborate with clients to deliver transformative and intelligent solutions for complex business problems that build long term value, improve performance, and mitigate risk. Lead a team of managers and analysts to help financial institutions, retailers, telecoms, etc. design solutions, strategies, and models that target improvement in multiple areas including loss mitigation, revenue optimization, regulatory risk, and sales generation.• Led a team of managers to develop an enhanced Credit Underwriting Strategy for a leading Canadian based telecom company resulting in ~$30MM+ annual loss savings with little to no sales suppression.• Designed a comprehensive Analytics Program and led a team of analysts to automate fraud operations data and analytics support, resulting in ~85% time reduction for fraud investigation timelines and regulatory filings for a major U.S. based financial institution ($100B+ assets).• Led Fraud Operations program assessment and developed an Regulatory remediation roadmap for major U.S. based financial institution ($100B+ assets).• Led a team of managers and analysts in assessing Fraud Program and Operations for a major U.S. based retailer ($200B+ sales) resulting in ~$10MM+ in loss savings.

Deliver data-driven solutions that solve complex, enterprise-wide problems and innovation initiatives that address the fundamental aspect of multiple issues. Build and lead a team of 15 diverse individuals that employ Agile methodologies to produce innovative solutions and intelligent processes. • Championed the creation of an improved real-time credit decisioning platform that drove $1B+ in additional annual sales and reduced $400MM+ in annual losses.• Built a centralized analytics and monitoring platform to aggregate and orchestrate data from multiple data sources, reducing cycle time by 70% and losses by $15MM annually.• Led a team of engineers and data scientists to create a robust data linkage and pattern analysis platform that leveraged large datasets to identify patterns in customer information and anomalous behavior, resulting in fraud loss reduction of $20MM annually.• Led a team that scouted and identified authentication and identity solutions in the market for use in onboarding and fraud strategies, as well as for potential investment or acquisition.• Co-developed and received patent for explaining the outcomes of machine learning models for the purpose of adverse action credit decisions, model transparency, and diagnostics. o US Patent No. 11,475,322 – Oct. 18, 2022• Co-developed and received patent for developing framework to measure and leverage the observable attributes that most directly affect the data stability of a customer. o US Patent No. 11,763,195 – Sept. 19, 2023

Built stress testing framework that passed regulatory scrutiny that led to Synchrony’s ability to conduct capital distribution activities. Interfaced regularly with Federal Reserve and OCC regulators, providing updates on models, development plans, and process enhancements.• Championed automation and big data capabilities that reduced time and effort necessary to explore data and support development of Stress Testing and Capital Planning exercises. • Given additional responsibility of ensuring that Stress test models and processes passed regulatory scrutiny, thereby allowing Synchrony to conduct share repurchases and issue dividends.• Led redevelopment of PPNR and Credit Stress Testing models to meet Regulatory and Senior Executive expectations for use within Capital Planning.

Provided automation expertise and leadership to enhance and simplify Economic Capital calculation processes. Headed team responsible for Economic Capital methodologies and calculations covering multiple consumer finance products across Europe, Australia, and North/South America. • Expedited effort to automate Economic Capital processes, resulting in 60% reduced turnaround time, enhanced governance, and improved accuracy.• Collaborated with business end-users around the world and HQ teams to develop a robust reporting system, facilitating dissemination of Economic Capital results.• Guided team to update and improve Exposure at Default calculations and enhanced model segmentation, further identifying and mitigating risk.

Drove automation and process simplification for a more efficient and transparent forecasting process. Interfaced with audit and regulators to defend Allowance for Loan and Lease Loss methodologies and calculations. • Developed automation that sourced data and produced calculations, reducing ALLL calculation and updating processes by 70%.• Conducted weekly reserve pacing meetings with executive leadership, offering guidance and insight regarding expected future ALLL movements.• Led team to re-develop FAS114 reserve models to meet updated regulatory guidance. Determined appropriate modeling methodologies based on updated regulatory guidance.

Utilized advanced analytics to develop credit and fraud strategies for various retailer credit card portfolios. Conducted in-depth analysis of consumer behavior and trends to design acquisition strategies customized for specific retailers, products, and segments.• Established strategy development governance framework amongst the team, ensuring analytical reporting was consistent when reporting to senior management and various other parties.• Developed automation techniques that accelerated strategy evaluation and monitoring, allowing for more rapid strategy updates and optimization.