Nov 2018 – Jul 2024 · 5 yrs 8 mos · Newark, DE

May 2017 – Nov 2018 · 1 yr 6 mos

Apr 2016 – May 2017 · 1 yr 1 mo

Nov 2013 – Apr 2016 · 2 yrs 5 mos

• Oversee team of ~60 professionals responsible for fraud analytics for Citi North America credit, retail banking, and private label businesses. Develop, maintain and optimize point of sale, acquisitions, and other strategies to reduce fraud losses in accordance with portfolio risk appetite; move portfolios to best-in-class in fraud detection and loss incidence; assess technology, including new fraud scores and tools to determine effectiveness; minimize customer impact at the point of sale and application; collaborate with operations to reduce expenses by lowering fraud case volume; develop and assess controls for internal fraud detection; build and maintain strong control environment to ensure compliance with internal policies and all external regulations, particularly in the area of rule oversight and score management; forge strong relationships with business stakeholders through regular communication and updates.

Jul 2010 – Nov 2013 · 3 yrs 4 mos

• Lead team responsible for all first- and third-party fraud analytics for Citi US Cards portfolio. Team is chartered with the following core responsibilities: development of fraud detection strategies at the point-of-sale and at acquisitions leveraging authorization, internal, and bureau data; minimization of point-of-sale impacts and customer experience while simultaneously beating fraud loss plan; development of payment float strategies to regulate available credit from high risk payments and to mitigate losses from bustout and check kiting; assessing and deploying advanced fraud technology, including new scores, detection software, social networking algorithms and other tools; forging strategic coalitions with executive management in the business, operations, technology and Risk to effectively accomplish team goals; producing detailed reporting to track all fraud, payment float, and credit abuse mitigation metrics; ensuring appropriate control, oversight, and process management exists on fraud strategies, particularly rule changes. Responsible for 17 FTE across 3 US sites and Mumbai, India, with frequent interaction with managing directors throughout the global organization.

Jun 2008 – Jul 2010 · 2 yrs 1 mo

• Responsible for leading growing, multifaceted team charged with developing strategies to reduce credit abuse, check kiting, credit renting, and other high risk behaviors across all of portfolio. Team's breadth of work includes model building, process improvements, policy revisions, strategy development, and testing/validation of results. Team is further tasked with coordination of strategies and tactics with partners and stakeholders throughout the organization, including acquisitions, fraud, payment processing, credit operations, and collections, as well as periodically updating senior management up to and including the CEO.

Jan 2005 – Jun 2008 · 3 yrs 5 mos

• Responsible for leading multifaceted team charged with developing strategies to reduce credit abuse, check kiting, credit renting, and other high risk behaviors. Also responsible for working with organization to deploy projects required to mitigate regulatory/compliance risk, and to coordinate team audit preparation for internal and external examinations.

Feb 2001 – Jan 2005 · 3 yrs 11 mos

• Managed team responsible for design of strategies (line decrease, authorizations, card reissue, inactive account closure) to mitigate credit losses on Citi Cards portfolio.

Feb 1997 – Feb 2001 · 4 yrs

• Responsible for data analysis, project management, strategy design, test measurement, and presentation of results to senior management.