Experience

• 

  Citizens bank / rbs worldpay

  Mar 2007 - Jul 2010

  Assistant vice president, credit policy manager

  Progressive experience over tenure from portfolio analyst to Credit Policy Manager and Head of Credit Risk Reporting. -Managed credit policy for a top 5 merchant acquirer (RBS Lynk / later RBS Worldpay) , working closely with U.S. and U.K. based credit policy teams and leveraged knowledge of both commercial and consumer lending policy. - Responsible for all standard credit risk reporting and analytics , inclusive of updates to risk calculation methodologies , automated approval parameter changes, etc.- Presented policy initiatives for approval to executive leadership and risk management committee- Served as the operational risk liaison for the credit department, managing all self testing, preparing quarterly control self certifications and classifying accepted and residual risks in accordance with RBS Operational Risk policies. Show less

• 

  Citigroup

  Jul 2010 - Jul 2011

  Vice president, senior risk analyst

  I was mostly involved in ad-hoc analytics and production of quarterly investor MI for Citi's US mortgage portfolio, at the time totaling over $120MM on balance sheet and another $500MM+ serviced. I focused heavily on loan modification programs, leading analytics on the 2MP and HAMP program performance.

• 

  Citizens bank

  Jul 2011 - Jul 2013

  Vice president, mortgage & home equity credit risk

  I led a team of 4 with responsibilities covering portfolio analytics, HELOC account management / line freeze strategies, originations policy development and ad-hoc reporting for the Citizens Bank (RBS Citizens) real estate lending portfolio.Major achievements include- Complete redesign of Automated Value Model (AVM) strategy and validation to meet regulatory requirements.- Lead on analysis to examine risks to the portfolio from payment shock - interest only to amortizing resets and balloon payments due. Led to implementation of a quarterly reserve overlay. - Introduced a credit bureau based set of triggers to manage HELOC line utilization. Show less

• 

  Barclays

  Jul 2013 - Jul 2016

  I led a team of 10 colleagues with overall responsibility for Capital & Impairment forecasting/planning, regulatory stress testing, and general capital analysis for Corporate Banking & Wealth portfolios (total credit limits in excess of 130bn GBP). Key activities under my responsibility included :- Regulatory Stress Testing of Impairment & Capital. Successfully led the team through a "double stress test " (same year back to back PRA and EBA tests ). - Capital analytics including: - Impact testing of new models, model calibrations and required regulatory changes - Interacting with IT colleagues to ensure changes are implemented correctly - Analysis of month over month movements and drivers - Oversight of capital MI including all adjustments to the final posted RWA - Support for annual attestations of compliance against regulations- Internal stress testing and setting overall levels of Risk Appetite- Impairment forecasting for internal planning purposes - Capital forecasting including intra month outlooks and medium to long term plans Show less I was responsible for credit stewardship on a portfolio of small and medium sized UK based businesses, leading a team of 4. Key activities included:- RWA optimization/oversight: identifying data issues resulting in incorrect RWA, completion of yearly self assessments for CRD IV compliance, ownership of several capital adjustments to remediate known issues. - Stewardship of credit risk models (PD/LGD/EAD): Delegate model owner for a suite of PD and LGD models. In addition I was heavily involved in rebuild of capital models providing challenge and support from the portfolio management perspective. - Production of credit MI and analytics, and managing regulatory requests including in depth asset quality reviews and thematic requests aimed at particular sub sectors. Show less

  • Head of Forecasting & Capital Analytics - Corporate Banking & Wealth

    May 2015 - Jul 2016

  • Senior Credit Risk Manager - Business Banking

    Jul 2013 - May 2015
• 

  Santander bank, n.a.

  Aug 2016 - Aug 2020

  Second Line of Defense Credit Risk leader for Business Banking portfolio ($2.5Bn+ balances / 25,000+ clients with exposures up to $20MM); role included analytics , reporting, management of credit approval function and credit risk oversight for the merchant acquiring program.- Responsible for managing credit scoring and automated/semi-automated decision strategies- Directly supervise Second Line of Defense Credit Officers with $10MM signature authority; accountable for Quality Assurance/Loan Review findings and new loan credit quality; co-chair Quarterly Watch Committee ; attend deal screenings and client calls as needed - Accountable for regulatory and risk committee presentations- Manage risk analytics including monthly portfolio analysis, measurement of performance against agreed limits, loss forecasting, and portfolio deep dives. - Own credit loss component for pricing and ROE modeling - Provide effective challenge on all credit policy proposals. - Model owner for all PD/LGD, CECL and HCR models. Show less Lead a team accountable for credit risk analytics and strategy optimization for a portfolio of small to medium sized businesses (generally revenues up to $25MM). Key areas of focus include:- Acquisitions scorecard and strategy development - Ownership of portfolio monitoring strategy - Model owner for commercial PD/LGD as well as credit scoring acquisition and behavioral models - New lending system implementation (nCino) and risk strategy design; automated approvals/decline and referral rules- Credit risk partner for merchant acquiring business Show less

  • Director/SVP, Business Banking Credit Risk Head

    Nov 2018 - Aug 2020

  • Director/SVP, Business Banking Risk Analytics

    Aug 2016 - Nov 2018
• 

  At home

  Aug 2020 - Feb 2022

  Career break
• 

  Citizens

  Feb 2022 - now

  Svp / senior director, credit risk policy assurance

  Second Line of Defense leadership role spanning full spectrum of consumer and small business lending portfolios. Accountable for ensuring correct implementation of credit policies in decision systems inclusive of auto decisioning, line assignments, and portfolio management strategies as well as ensuring accuracy of key credit variables (e. g. DTI). - Provide independent analytic challenge of First Line strategies / proposals.