Experience

Octane®

• United States
• Software Development
• 200 - 300 Employee

• SVP Governance & Operations Risk Management

  • May 2017 - Present

  Greater New York City Area As one of the earliest employees of this rapidly growing fintech start-up, my early duties included build out of a Risk management framework, to include appetite governance, loss provisioning, score model management, and MIS. With rapid growth came the opportunity to develop and lead back-end servicing operations, from customer care to collections and recovery. I am now building out our Governance framework and Operations Risk management across the organization



Noggintechs

• Partner

  • Sep 2016 - May 2017

  Buffalo NY USA Co founder of a fintech formed to offer banking and risk expertise, specifically digital solutions for collections, to improve health care provider cash flow and back office operations..



Higher One

• United States
• Higher Education
• 100 - 200 Employee

• Chief Risk Officer

  • Oct 2014 - Aug 2016

  New Haven Connecticut Reported to the Board of Directors of this public company that provided bank account services to millions of college students in addition to disbursement services for thousands of universities. Responsible for Enterprise Wide Risk Management in addition to Risk functional activities to include Compliance Operations, Operating Risk, Banking Operations, Info Security, BCP and Vendor management. Designed and implemented a risk management framework that include stated risk appetites and reporting /… Show more Reported to the Board of Directors of this public company that provided bank account services to millions of college students in addition to disbursement services for thousands of universities. Responsible for Enterprise Wide Risk Management in addition to Risk functional activities to include Compliance Operations, Operating Risk, Banking Operations, Info Security, BCP and Vendor management. Designed and implemented a risk management framework that include stated risk appetites and reporting / control mechanisms. Company sold 8/2016 Show less



Standard Chartered Bank

• United Kingdom
• Banking
• 700 & Above Employee

• Chief Operating Officer - Risk - Consumer Bank

  • Dec 2010 - Dec 2013

  Singapore Responsible for global consumer Risk operations across 23 countries ( 5,400 Collection FTE, 1,200 Credit Origination FTE , 250 Fraud Avoidance FTE, and 10 HQ staff). Built fit for the future decision science and work flow management platforms, (Origination, Collection, Recovery, Fraud) , and managed key Risk processes (MIS, Risk Appetite governance, Product Risk governance, model builds for Collections, Fraud & Recovery, Loss Provisioning, and Portfolio Strategy). Also responsible for 1st line… Show more Responsible for global consumer Risk operations across 23 countries ( 5,400 Collection FTE, 1,200 Credit Origination FTE , 250 Fraud Avoidance FTE, and 10 HQ staff). Built fit for the future decision science and work flow management platforms, (Origination, Collection, Recovery, Fraud) , and managed key Risk processes (MIS, Risk Appetite governance, Product Risk governance, model builds for Collections, Fraud & Recovery, Loss Provisioning, and Portfolio Strategy). Also responsible for 1st line Operating Risk identification, reporting, mitigation and control. Show less



Phymedco

• CFO

  • Mar 2009 - Dec 2010

  Joined to lead family business turn around efforts. Ultimately the business was wound down



Discover Financial Services

• United States
• Financial Services
• 700 & Above Employee

• SVP Cardmember Assistance

  • Jun 2007 - Mar 2009

  Joined Morgan Stanley/Discover prior to public spin-off. Managed 4 call centers (2500+ FTE) responsible for collections and recovery on $50B consumer loan portfolio, in addition to fraud avoidance mdels and platforms. Also responsible for authorizations decision analytics and process.



GE Capital

• United States
• Financial Services
• 700 & Above Employee

• CRO - ASIA

  • Apr 2004 - Jun 2007

  Tokyo, Japan

• VP Risk Management US

  • May 1987 - Apr 2004

• VP Portfolio Risk Management

  • 1993 - 2004