Experience

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  Bank of America

  • SVP FInance Manager: Small Business Products

    • Jan 2007 - Present

    Manage forecasting, month end close, business analysis and investment decision for small business products. (manage 11 analysts) In prior roles, managed profitability analysis for consumer loan and small business card, later expanding to include analytic support for deposits products. In 2013, functional responsibility increased to include planning and forecasting and product scope expanded to include lines and loans in addition to small business card and deposits products.Recent accomplishments:• Key partner transforming the SB Card business from a lend focus to higher spend larger company and relationship focus substantially increasing risk adjusted margins and reducing volatility of the portfolio.• Presented performance against forecasts, strategic analysis and control topics at senior management business reviews.• Developed valuations based on more than 100 combinations of product, channel and risk segments using historic data which drive long range plan forecasts through an automated process.• Supported launch of Business Line of Credit and Term Loan products for credit needs less than $ 100,000. Built robust financial routines including full P&L as well as account level month on book balance build and P&L performance.• Analyzed riskiest 10% of accounts to support expansion of lending at the margin.• Created comprehensive views of relationship value to support unique multi-product offers.• Produced CCAR and stress scenarios and documentation to support enterprise stress tests

  • Consumer Lending and Small Business Card, Business Analysis Manager

    • Mar 1999 - Dec 2006

    Responsible for business analysis supporting sales finance, mortgage, aircraft lending, small business and commercial credit card products. Analyzed affinity and co-brand contracts and offers, developed channel and risk based valuations to support marketing investment optimization. Influenced product growth and transformation through strategic analysis. (managed 2 analysts)

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  PNC

  • Wilmington, DE

  • Manager of Business Analysis

    • Sep 1997 - Mar 1999
    • Wilmington, DE

    Key member of the management team that led the expansion and subsequent sale of PNC's credit card portfolio to MBNA. Responsible for revenue forecasts, pricing, new account and portfolio management analysis. Managed marketing and rewards budgets. (managed 12 analysts)

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  The Bank of New York

  • Newark, DE

  • Manager of Management Accounting and Profitability Analysis

    • Apr 1996 - Sep 1997
    • Newark, DE

    Responsible for annual planning process, monthly analysis of budget variances, accruals, re-pricing initiatives, new account acquisition and customer management programs, management reporting, association reporting and cost studies for a $10 B credit card portfolio.

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  CoreStates Financial Services

  • Wilmington, DE

  • Business Planning & Analysis Manager

    • Jul 1985 - Apr 1996
    • Wilmington, DE

    Provided forecasting, analysis and reporting support for consumer credit card, commercial card, merchant acquiring and educational lending business lines. Gained experience valuing potential acquisitions, performed industry benchmark analysis and cost studies. (managed 2 analysts)