Results driven Senior Executive offering a distinguished 31 year career in the ARM industry. Managing intensively competitive markets, identifying operational opportunities to reduce risk, successfully delivering strong revenue growth and profits, established key account relationships with banks and financial institutions executives.Recognized for cross product and market knowledge – experience in first and third party delinquent and distressed Debt Outsourcing Solutions specializing in the Banking, Government and Financial Sectors, Servicing product lines consisting of Credit Cards, Auto, Consumer Loans, Mortgages, Student Loans, Commercial Lending, Government and Municipalities financial default servicing. Outstanding best practices and product management, quantifiable enhancements to compliance management and quality assurance procedures across evolving business and market environments. Established procedural policy changes to meet regulatory management requirements and quality customer experience service levels.Core Management Competencies – strategy execution & management, maintaining strategic partnerships & alliances, new business development, brand value building, credit evaluation and risk analysis, Internal auditing process and procedures, product forecasting, project management, educational development management, Human Resources & Recruitment management, development of written policy and procedures.