Experience

Cognovi Labs

• United States
• Software Development
• 1 - 100 Employee

• Chief Operating Officer

  • 2017 - Present

  United States



Freedom Mortgage

• United States
• Financial Services
• 700 & Above Employee

• EVP-Mergers and Acquisitions Integration

  • 2015 - 2017

  Integration of companies into Freedom to strategically grow the business



Flagstar Bank

• United States
• Banking
• 700 & Above Employee

• EVP- Default Servicing

  • 2014 - 2015

  Troy Michigan Servicing and Loss Mitigation



Freedom Mortgage

• United States
• Financial Services
• 700 & Above Employee

• EVP Mergers and Acquisitions

  • 2014 - 2014

  Mt Laurel, New Jersey Integrating companies with Freedom Mortgage to maximize opportunities and synergies. Led due diligence to determine if target was an appropriate fit with Freedom and met requirements Successfully led the merger of Continental Home Loans with Freedom Mortgage.



Citi

• United States
• Financial Services
• 700 & Above Employee

• Mortgage Repurchase/Servicing/Claims

  • 2008 - 2014

  St Louis, Mo Enhanced and Developed NEW methodologies to mitigate credit losses. Managed the repurchase, claims, mortgage insurance and investor document fulfillment departments. Developed single point of accountability for Loss Mitigation efforts. Guided mortgage underwriting changes based on experience to reduce further losses.

• Managing Director, Mergers and Acquisition Integration-Credit Cards

  • 2007 - 2008

  London, United Kingdom Integrated the world's largest online credit card company (EGG) into Citi UK consumer operations. Worked with both US and UK regulators on issue identification and resolution. Managed the UK legacy mortgage book to minimize losses through improved collection and REO disposition strategies.

• Managing Director, Project Management-Technology

  • 2006 - 2007

  Greater New York City Area Led the technology project to successfully identify and implement new ATM hardware and software thoughout Citi worldwide. Developed and implemented the global ATM strategy across 75 geographies.

• Managing Director, Mergers and Acquisition Integration

  • 2004 - 2006

  Bryan/College Station, Texas Area Successfully led the integration of First American Bank, Texas into Citi. Supervised all aspects of the planning and integration.

• Chief Operating Officer- Auto Operations

  • 2002 - 2004

  Dallas/Fort Worth Area Turned the Auto operation to profitability through process change management. Reduced delinquency from 10% to 3% through better origination quality and strategic collections management. Doubled earnings to $240mm per year by redesigning Originations, Collections and Training. Responsible for Sales, Servicing, Marketing,Originations,Collections and Training.

• Managing Director Citigroup Real Estate Servicing and Technology

  • 2000 - 2002

  Dallas/Fort Worth Area Managed multiple customer service and collection sites across the US.

• Chief Operating Officer- Mortgage Operations

  • 1999 - 2000

  Tampa/St. Petersburg, Florida Area Managed Servicing, Sales and operations.

• Managing Director Default Operations

  • 1996 - 1999

  Greater St. Louis Area



Prudential Home Mortgage

• Controller/Default Management

  • 1991 - 1996

  Frederick, Maryland



Freddie Mac

• United States
• Financial Services
• 700 & Above Employee

• Assistant Controller

  • 1988 - 1991

  Reston, Virginia



California Federal Bank

• Technical Accountant

  • 1984 - 1988

  Greater Los Angeles Area



Getty Oil Company

• Senior Accountant

  • 1981 - 1984

  Greater Los Angeles Area



Deloitte

• Business Consulting and Services
• 700 & Above Employee

• Accountant

  • 1979 - 1981

  Greater Los Angeles Area Servicing executive, Mortgages, Mergers and Acquisitions, Integration, EVP, Executive Vice President, Managing Director, President, CEO, process improvement, skills, management, risk management, credit, agency, Fannie, Freddie, Ginnie,