• Independently created a national legal network for asset and debt recoveries. • Created a robust online rewards program to motive debtors to satisfy outstanding financial obligations. • Directly managed a 3 billion dollar portfolio of distressed debt for Dresdner bank. • Developed relationships with investors, debt buyers and issuers to master service distressed debt portfolios. • Contracted with a network of collection agencies and attorney’s, overseeing recoveries for 3,000,000 accounts.

• Promoted to develop and execute transition specific and company-wide strategy for fraud prevention and managed all aspects of tactical operations including outsourcing, off-shoring and near-shoring. • Provided comprehensive solutions to complex problems or needs related to MBNA transition. • Lead major projects, programs or processes with significant business impact involving cross-functional teams. • Influenced strategic direction and developed tactical plans for staffing, training, process integration and implementation. • Possesses extensive technical functional knowledge of fraud applications, systems and vendor support.

• Developed and executed company-wide strategy for American Express fraud prevention team. Managed all aspects of tactical operations including; recruitment, development, management, and risk management. • Analyzed and evaluated strategies of effectiveness for Access Check, ACH, Balance Transfer, Priority Plate and Identity Theft in mitigating fraud loss and maximizing revenue while sustaining customer satisfaction. • Managed annual budget and expenses to hire, train, and motivate six Officers overseeing staff of 120 FTE reviewing both cash and retail transactions for potential fraud. • Interact with cross-function professionals from entry level to senior executives; present weekly to core executives on fraud program results; present to affinity partners, potential clients, and key shareholders. • Reduced expenses and manpower by consolidating Fraud Operations and Control. • Managed fraud investigations unit with superior performance rating. • Designed and managed start up Quality review unit for Fraud Control improving unit performance by 5%. • Created Specialty Reporting and Automation team reducing headcount by 22%.

• Responsible for five Officers and 58 full-time employees. • Established and implemented consistent standards and led consistency meetings and listening sessions to increase accuracy in decisions, minimize risk, and improve customer service. • Managed compliance with all OCC regulations. • Managed Credit Acquisition with an unsecured lending authority of $50,000.