Acquisition and Customer Product owner, drove API development & growth in MarTech, data platform design/optimization and campaign automation for large cobrand portfolios. Lead profit maximizing activities while balancing privacy & regulatory requirements and constantly changing risk environment. Develop & empowers teams of visionary leaders to enhance sale capabilities and stretch data resources in a highly matrixed organization.STRATEGIC LEADERSHIP✔ Enabled 300% YOY increase in account acquisition as leader of go-to-market credit pre-approval online/offline and POS strategy for all Partner brands (GAP, JetBlue, Priceline, etc).✔ Designed 50MM+ touches to drive $2B+ in balances and reduced overhead by 70% through Existing Customer Marketing campaigns by leading migrating the campaign delivery from SAS to Adobe Campaign & Salesforce automation.✔ Increased sales conversion rates by >1,000bps through redesign of online acquisition capability (SaaS).EXECUTION✔ Reduced Cost to Acquire (CTA) by 15% by ingesting & processing billions of records and transactions each year to resolve identity, append critical attributes and execute targeted campaigns with the improved outcomes.✔ Reduced time to market by 6 weeks for new model implementation through design of new analytics sandbox and online publishing (LiveRamp/Google) capability.✔ Owned US Card data response to privacy/regulatory changes, including CCPA/CPRA, requiring significant enhancements to Consumer data ingestion and maintenance.ACCOUNTABILITY & ENABLEMENT✔ Transformed business processes to be more transparent and create more credibility & trust in the organization, resulting in greater cross-functional collaboration and more holistic decision making to minimize rework.✔ Evolved team brand from production to strategic focus by challenging them to drive value-add activities.

Held full ownership of a wide scope covering strategic development, execution/delivery, product launches, capability enhancement, and target market identification. Identified and introduced a robust sales strategy for HELOC Loans and Retail banking products. Transformed the customer strategy to identify, implement, and coordinate targeted marketing programs.STRATEGIC LEADERSHIP✔ Increased YOY total product sales (42%), growing online offers (>400%) and sales (>430%) through deep dive into existing processes and outcome analysis.✔ Generated 45% YOY increase in total engagements and optimized 30 product offerings in 4 channels.✔ Saved 90% ($2MM) in cost and reduced time to market by 4 months for new product launches; achieved by redesigning market access strategy. ✔ Increased contribution to total Card acquisition by >15% annually by streamlining POS Card sales processes.ACCOUNTABILITY & ENABLEMENT✔ Launched Online offers using offline pre-screened lists to drive >100M accounts/year; this contribution was key to exceeding ’15, ’16, ’17, ‘18 total account goal.✔ Facilitated point-of-sale (POS) cross-sell opportunity to deepen staff-customer relationships, driving over $312M in loans (>15% of total HELOC loans); this new channel continues to be the primary cross-sell strategy in use today.TURN AROUND LEADERSHIP✔ Earned recognition through nomination for CEO Award (2017) and receiving 2014/2015/2016 Top Marketer award for cross-sell strategy innovation competing against 5 other top contributors among the 80K employees.

• Managed diverse team of highly skilled analysts to inform pricing and product marketing decisions in mail, banking center and eComm direct marketing channels• Partnered with credit risk to design an emerging credit strategy to offer customers fair pricing and features in an unsecured pre approved credit card product• Worked with credit bureau delivery partners to align front end selection credit attributes with backend attributes used to manage the portfolio• Developed full campaign analytics routine to provide front end, back end and risk profile metrics by relevant dimensions for direct marketing efforts• Led data request aggregation to facilitate relationship with Database Marketing team and provide iterative views into consumer universe and mail files• Worked with senior managers to define relevant spend/buy behaviors, engaged modeling team to develop Behavior Based Models to better inform pricing and product marketing decisions

• Developed loan loss mitigation strategies and models in Credit Risk• Created overlimit/delinquent authorization strategies to drive balance growth and fee revenue• Led AML effort to prevent bust-out and credit-based terrorism financing