Zachary Long Email and Phone Number

Operations Executive overseeing the consumer data furnishing, disputes and support functions for mortgage and consumer portfolios.

• SME on all Metro 2, Disputes and Account Review processes for North America. • Effective problem solver and key contact for business growth initiatives involving Credit Reporting Agencies and other key third party vendors.• Provide guidance and recommendations to legal, compliance, and senior management regarding all Metro 2, account review, disputes and regulatory pain points.• Strong understanding of the regulatory environment including FCRA, TILA, RESPA, UDAAP, FDCPA and FACTA.• Coordinate and address CFPB and Internal Audit concerns including remediation.• Demonstrated process improvement experience across multiple cards and unsecured functions, such as Disputes, QA, Risk Controls (First and Second Lines), Project Management, Collections and Operations while leveraging KRI/KPI to oversee progress.• Experience creating robust governance programs for a high risk function through automation and regulatory risk management resulting in more than $1 million in savings.• Strong leader of a team of AVP’s to handle multiple bank processes;-Data Mining-In depth credit bureau data analytics and trending-Metro 2 and system of record exception reporting-In depth disputes analytics with e-Oscar knowledge-Identify process improvements and develop project plans to create efficiencies. -Work closely with operational groups to define project criteria and systemic drivers.

-Oversee all Metro 2 reporting and Account Review processes -Manage Account Review processes used by BASEL and Risk functions -Assess credit bureau provided FICO scores and attributes for monthly continuity and variances-Provide guidance and recommendations to legal, compliance, and senior management regarding all Metro 2, Account Review, and Regulatory scenarios -Strong understanding of the regulatory environment including FCRA, TILA, RESPA, and FACTA. -Coordinate and address audit concerns including remediation-Oversee Metro 2 reporting for two portfolios, four platforms, and over two million reported records per month-Manage a team of two Sr. Systems Analysts to handle multiple CBR based processes -CRA based reporting updates -Metro 2 and system of record exception reporting -Use of IBM Mainframe, Access, and SharePoint -e-Oscar and CRA website access provisioning-Liaison between all credit reporting agencies and the business

-Assist business to implement measures to mitigate risk to End User programs -Liaison between business and vendors in coordinating the creation/implementation of user interfaces-Coordinate parameter changes to the main system of record-Maintain department and business reporting databases-Build and manage third party vendor relationships-Manage meetings and capture action items while ensuring timely implementation of projects-Work closely with BIRO management to ensure EUC measures are in place-Manage relationships between business partners and application specialists-Provide business support before, during, and after project implementation-Grant user access to Direct Check and Auto pay systems

-Manage relationships between business partners and application specialists -Ensure compliance and regulatory requirements are implemented as requested-Build and manage vendor relationships-Perform UAT on documents requiring extensive testing, including projects and major company initiatives-Coordinate letter communication among many business entities -Work closely with upper management in coordinating letter updates and implementation across all business platforms-Analyze and evaluate monthly letter volumes to ensure appropriate communication is being sent to customers-Manage meetings and capture take away items while ensuring timely implementation of projects

-Ensured daily dialer goals are met and obtained within the required times -Produced daily reports and validate data accurately and promptly -Increased dialer efficiency through analytical strategies based on business needs -Created strategies that meet the requirements of the department in coordination with the end user-Adhered to the expectations regarding adhoc requests and the timeliness in completion of the requested task-Worked closely with upper management in creating and implementing new ideas and strategies to ensure maximum efficiency and effectiveness-November 2009 Employee of the Month