Providing consulting expertise on risk strategy to Financial Services firms. Areas of expertise include: Credit Portfolio Strategy, Credit Originations Strategy, Stress Testing, Allowance for Loan Loss methodology, Risk Modeling, Enterprise Risk Management Frameworks, and Fraud Strategy.

Executive responsibility and leadership of governance, risk, and control (GRC) activities for $8.5 billion credit union preparing for enhanced regulatory oversight. Responsible for Compliance, Operational Risk, Business Continuity, Vendor Management, BSA/AML, Enterprise Risk, Internal Audit, Enterprise Fraud, and Corporate Security functions.

Responsible for leadership and execution of BECU’s Enterprise Fraud strategy. Established second-line program consisting of governance, policy formation, risk control self- assessment, fraud tool strategy, reporting and analytics, and business process integration functions.➢ Refined governance model to ensure appropriate oversight of fraud risk function, establishing standards for fraud risk appetite, product-level loss parameters, control assessment, and reporting.➢ Defined control framework outlining first- and second-line operational responsibilities across product, channel, fulfillment, and technology functions. Created fraud event playbooks based on control framework, ensuring consistent operational execution.

Established Credit Risk Management organization for fourth-largest credit union in US, responsible for credit oversight and performance of a diversified $12 billion loan portfolio. Provide executive leadership over BECU’s credit risk analytics, loss forecasting and reserving, automated underwriting systems, policy, governance, and risk administration activities.

Responsible for the execution of BECU’s Enterprise Risk Management program. Oversaw the ERM process by providing cross-functional input on risk identification and assessment, identification and tracking of risk issues, and reporting to BECU’s Finance and Risk Committee of the Board of Directors, and providing an independent perspective on the organization’s activities.

Provided consulting expertise to banks and financial services technology companies in the areas of credit and fraud risk management, risk strategy assessment, loss forecasting, predictive modeling and analytics, and analytic product development.

Responsible for Market Strategy for Early Warning’s Small Business and Mortgage/Home Equity vertical markets, leading activities related to the Company’s core information assets, business analytics, products, delivery channels, and corporate development initiatives in these market segments.

Led consulting and professional services organization for credit risk management analytic and software solution provider, providing expertise and strategy development direction for leading financial services and telecommunications clients across North America, Europe, and Asia.

Directed analytic functions supporting Flowshare, Nielsen’s industry-leading competitive share movement product, across Wireless, Landline, and International product delivery.

Provided leadership and strategic direction over company-wide credit operations, analytics, and technology platforms.➢ Directed key functions of credit risk management execution across consumer and commercial lending products, including decisioning platforms, risk model development, credit review, mortgage fraud, credit strategy information and analytics, reporting systems, and Basel II credit risk capital management.➢ Led Corporate Credit Review function, overseeing post-fund transaction testing and independent assessment of key risk control functions for the Bank across all categories of lending.➢ Headed Mortgage Fraud Risk Mitigation and Default Oversight teams, defining strategy and operational approach to real-estate lending fraud. Increased organization’s effectiveness and scalability by transitioning operational approach to a data-driven prevention-and-detection model.

Managed business development function for WorthKnowing.com, the first-ever consumer credit aggregation site to offer online pre-approved credit card offers to consumers, along with free credit report and credit score. After acquisition of WorthKnowing.com by Visionary Systems, a provider of outsourced decisioning technology for the financial services industry, transitioned to management of sales and channel development for VSI's services.

Managed consulting sales and business development in consumer credit industry for marketing optimization solution provider.

Maintained sales and fulfillment responsibility for analytics and consulting solutions for Equifax’s U.S. retail customers.

Directed the development, delivery, and implementation of credit scoring solutions for credit card, consumer lending, and small business applications for domestic and international clients.

Developed and implemented risk management reporting systems for Circuit City Stores’ proprietary credit card bank.