Thomas Smith Email & Phone Number

London, Gb

London, Gb

London, Gb

Manage Wealth and Retail Bank Policy and Governance team driving efficient and effective risk management processes overseeing HSBC's $20 billion US Wealth and Personal Banking business.● Risk Management Committee - Manage monthly executive-level meetings collaborating with Risk Owners and Risk Stewards to ensure key risks and material issues are presented to senior business management and the Chief Risk Officer. ● Risk Oversight Function - Redesigning the risk oversight function to create a control testing and review function accountable for assessing the front-line business’s adherence to global and local credit risk policies and applicable Federal consumer lending regulations.● Risk Appetite – Oversee the design, implementation, and analytics of the Risk Appetite Statement (RAS) and Profile (RAP) to manage key risks consistent with portfolio growth and profitability objectives.● Policy Management – Responsible for assessing credit risk policy to balance the risk of loss with the business’s need to accept risk within appetite. Simplified the policy to minimize jargon, eliminate unnecessary commentary, and provide clear guidance that the business can easily understand and implement.● Risk Stewardship - Work closely with regulatory, resilience, legal, cyber, and financial crime risk stewards to maintain a comprehensive view of the Bank’s risks to ensure adherence to the enterprise risk management framework and risk appetite.

Us

Provided marketing and business strategy for professional services organizations with special expertise in brand strategy, target marketing, campaign analysis, and social media. Created comprehensive marketing communication strategies, Formulated, and launched a fully integrated marketing plan for a division of a large bank; measurably increased brand awareness and sales opportunities, producing 20% more in-person meetings for relationship managers and product sales force.

The Illinois Fatherhood Initiative (IFI) is the country's first state-wide non-profit fatherhood organization whose mission is connecting children and fathers by promoting responsible fathering and helping equip men to become better fathers or father-figures.

Responsible for managing and directing all aspects of 175 person creditor's rights law firm based in Chicago, with offices in Michigan, Indiana, and ArizonaSystematically evaluated key legal metrics. Redesigned and automated major processes to reduce lead time from 75 days to 35 days and simultaneously maximized court utilization to increase monthly suit filings by 25-100% and reduce operational risk. Implemented project management discipline and principles of Six Sigma within operations and IT to increase productivity and management control.Identified and analyzed best practices and developed KPIs, incentives, and targets to improve individual performance across the organization. Increased key metric by 10% within 30 days and by 70% year-over-year resulting in greater consistency and predictability of results.Recognized opportunities to increase revenue and profitability while better serving clients by developing a prioritization process to ensure that the best quality, highest balance, strategic clients’ suits were filed first.

We provide customized, hands-on marketing and advertising services to businesses of all sizes. We have a closely knit network of experienced professionals that have extensive experience in all aspects of business.Worked with a division of Bank of America that lacked a cohesive marketing plan and was not fully serving target market. Assumed leadership role, conducted management brainstorming, assessment, and prioritization session to document target market requirements. Within 7 days, formulated and launched fully integrated marketing plan that increased brand awareness and sales opportunities. Lead to 20% in-person meetings for relationship managers and product sales force.

Managed all aspects of a state-of-the-art database's design, development, and implementation, including senior management communication, IT department coordination, project planning, resource management, issue resolution, and execution for a large, national credit card issuer.Managed strategic vendor relationships on behalf of Discover Card to deliver 120-terabyte prospect database for new cardmember marketing initiatives incorporating data from all three major credit bureaus and internal and external databases.

Designed framework for commercial credit and capital markets exposures consistent with Basel II requirements providing the Bank with aggregate exposure information and improved economic capital allocation. Created requirements for credit approval and risk management system based on detailed analysis of several lines of business and product specialization areas. Identified need to broaden analysis to address previously unrecognized business risk. Led a team of experienced professionals that evaluated situation and researched industry best practices. Implemented state of the art risk measurement and mitigation model. Resulted in successfully minimizing business risk and improving ROI.Designed and implemented comprehensive monitoring and reporting process for managing commercial and consumer risks within Bank One’s auto finance line of business.

Corporate Compliance Officer, Business Continuity Director, Integration Manager, New Product Development, Marketing Manager

Managed audit and consulting engagements for banking and financial services companies of various sizes. Responsible Household International, one of the largest audit engagements in the Chicago office,

Chicago, Illinois, Us

Team member responsible for managing conversion of customer balances as part of large-scale system conversion. Maintained full-time work schedule while attending DePaul University full-time.

Bs, Accounting

Green Belt, Lean 6 Sigma

Pmp, Project Management

Diploma, College Preparatory