Experience

Paxos

• United States
• Financial Services
• 200 - 300 Employee

• Chief Risk Officer (CRO)

  • Mar 2023 - Present



Amazon

• United States
• Software Development
• 700 & Above Employee

• Head of Risk Management, Amazon Payments

  • Oct 2015 - Mar 2023

  Seattle, WA Leads the risk management function for Amazon Payments, including Gift Cards, Amazon-branded Payment Products (e.g. co-brand credit cards, installments, etc.), Business Payments, Business Lending, Payment Acceptance & Experience (e.g. credit, debit, regional payment methods, e-wallets), and Amazon Pay. Leads dedicated risk team that provides risk assessments, advisory services, and governance across Consumer Payments globally. For more details, please see below. -Responsible for… Show more Leads the risk management function for Amazon Payments, including Gift Cards, Amazon-branded Payment Products (e.g. co-brand credit cards, installments, etc.), Business Payments, Business Lending, Payment Acceptance & Experience (e.g. credit, debit, regional payment methods, e-wallets), and Amazon Pay. Leads dedicated risk team that provides risk assessments, advisory services, and governance across Consumer Payments globally. For more details, please see below. -Responsible for implementing an effective risk management program to identify and influence the mitigation of adverse events for Consumer Payments. -Partners closely with business owners and stakeholders across the company (e.g. Legal, Audit, Compliance, Public Policy, PR, Tax, Accounting, Information Security, etc.) to create an end-to-end view of risks inherent to business models and product offerings. -Provides structured processes, calibration tools, and expertise to evaluate risks. -Contributes pragmatic solutions to inform the design of effective controls and mitigating strategies. -Provides an independent perspective to executive leaders on the evolving risk profile of the business, including a point of view on emerging threats, trends, controls effectiveness, and the status of risk mitigation efforts underway across the organization globally. -Delivers pre-launch risk reviews for new payment products and features, as well as post-mortems -Evaluates internal fraud risks for payment products and services -Develops and delivers risk training, reporting, and coordination across the organization -Advocates on behalf of Consumer Payments' interests both internally and externally. Show less



I

• Financial Services
• 1 - 100 Employee

• Senior Vice President

  • Sep 2013 - Oct 2015

  Miami/Fort Lauderdale Area Inxent provided a real-time transaction processing platform to automate every aspect of loyalty programs for credit card issuers, loyalty program operators, merchants, and brand owners, from real-time reporting to delivering rewards at the point of sale. This private, venture funded company endeavored to create a new Network to process Consumer Incentives (Coupons, Discounts, Reward Points, Tokens) instantly at the point of sale, enabling merchants to create and accept incentives inline within… Show more Inxent provided a real-time transaction processing platform to automate every aspect of loyalty programs for credit card issuers, loyalty program operators, merchants, and brand owners, from real-time reporting to delivering rewards at the point of sale. This private, venture funded company endeavored to create a new Network to process Consumer Incentives (Coupons, Discounts, Reward Points, Tokens) instantly at the point of sale, enabling merchants to create and accept incentives inline within the payment stream. - Senior executive at Inxent, Inc., an incentive transaction processing business backed by Thomvest Seed Capital. Reported directly to the CEO. - Responsible for internal company operations, customer relations, business development, sales, and strategic partnerships. - Oversaw customer relationship management and service delivery to key accounts. - Developed sales pipeline and sourced industry partnerships, including networks, sponsor banks, processors, and service providers. Show less



Vantiv

• United States
• Financial Services
• 300 - 400 Employee

• VP, Enterprise Risk Management

  • Mar 2010 - Sep 2013

  Cincinnati, OH - Leader for enterprise risk management and corporate insurance program for Vantiv, LLC - a leading payment processor operating both Merchant Services and Financial Institution transaction processing businesses. - Responsible for corporate risk management support across all areas and functions, reporting directly to the Chief Legal Officer. - Executed development and implementation (stand up) of a new Enterprise Risk Management program - including risk framework, KRI reporting, and… Show more - Leader for enterprise risk management and corporate insurance program for Vantiv, LLC - a leading payment processor operating both Merchant Services and Financial Institution transaction processing businesses. - Responsible for corporate risk management support across all areas and functions, reporting directly to the Chief Legal Officer. - Executed development and implementation (stand up) of a new Enterprise Risk Management program - including risk framework, KRI reporting, and related activities to support separation of business from parent company (Fifth Third Bank). - Ownership for Corporate Insurance Program, including broker relationship, claims oversight, and annual policy renewal activities. - Drove monthly Risk Committee meetings; provided program updates for Audit Committee. - Partnered closely with executive team and senior leaders across the company, including Legal, Regulatory Compliance, Network Compliance, Security, Internal Audit, and Operations, to identify risks, conduct root cause analysis, and drive change. - Risk advisor to company's Strategic Investment Committee, providing governance and stewardship for company's investments in new products, projects, and top initiatives. - Established Risk Management team to manage key functions including: * Third-Party Risk Mgmt, incl. due diligence & monitoring of Outside Service Providers; * Risk Assessment of proposed new products & initiatives; * Internal/External Audit coordination, support, and issue resolution; * Ensuring that emerging risks and changes to industry trends were identified; and * Developing and executing risk mitigation strategies Show less



Bank of America

• United States
• Banking
• 700 & Above Employee

• VP, Operational Risk Manager - Loss Prevention

  • Jan 2009 - Mar 2010

  Louisville, KY - Led strategic direction and day-to-day management for Merchant Risk Monitoring & Investigations department (60+ associates) - Achieved significant results related to business loss forecast, reducing actual losses to below plan targets for YE 2009 - Implemented a new risk monitoring system and related process improvements to increase effectiveness - Developed and implemented Quality Control routines to identify opportunities for ongoing associate training - Lead development of… Show more - Led strategic direction and day-to-day management for Merchant Risk Monitoring & Investigations department (60+ associates) - Achieved significant results related to business loss forecast, reducing actual losses to below plan targets for YE 2009 - Implemented a new risk monitoring system and related process improvements to increase effectiveness - Developed and implemented Quality Control routines to identify opportunities for ongoing associate training - Lead development of a documented department training manual and standard operating procedures - Developed productivity metrics/dashboards, and increased transparency and communication with key partners

• VP, Operational Risk Manager

  • Oct 2008 - Jan 2009

  Louisville, KY - Key leader of operational risk management for Merchant Services business; focused on issue resolution, risk mitigation and compliance for the New Account Underwriting/Fulfillment and Contact Center areas. - Implemented periodic operational risk testing program and monthly risk scorecard. - Implemented a Control Self-Assessment Program (CSA) for core business functions to capture key risks and controls, as well as action plans for improvements needed. Approach was recognized as a best… Show more - Key leader of operational risk management for Merchant Services business; focused on issue resolution, risk mitigation and compliance for the New Account Underwriting/Fulfillment and Contact Center areas. - Implemented periodic operational risk testing program and monthly risk scorecard. - Implemented a Control Self-Assessment Program (CSA) for core business functions to capture key risks and controls, as well as action plans for improvements needed. Approach was recognized as a best practice and adopted by other lines of business across the company.

• AVP, Sr. Operational Risk Specialist / Manager

  • Mar 2007 - Sep 2008

  Louisville, KY - Responsible for operational implementation of Anti-Money Laundering (AML) program and policy, as related to the USA Patriot Act. - Led a portfolio review that included complex data analysis of 200K+ customer accounts - Drove creation and implementation of new client verification process; developed new procedure and training for 200 associates - Demonstrated ability to lead / influence successfully in a matrix environment. Led integration of risk routines into larger organization.

• Relationship Sales Strategies & Analytics Analyst

  • Jun 2006 - Mar 2007

  Wilmington, DE - Identified opportunities to market consumer credit card to customers and prospects; analyzed sales data and portfolio performance. - Designed cross-selling initiatives and developed reporting processes for new sales channels.

• Management Development Program Participant

  • Sep 2005 - Jun 2006

  Wilmington, DE - Participated in intensive rotational program in Consumer Lending, gaining experience in operations and call center management through multiple projects and by developing solutions for Credit, Activation, Fraud, Collections, Retention, & Customer Service. - Managed teams of 20-30 associates in multiple Operations areas, including Collections and Customer Service.



MBNA America

• Summer Associate

  • Jun 2004 - Aug 2004

  Wilmington, DE