Jan 2009 – Present · 17 yrs 3 mos

• As the President of the Financial Services Division within Capital One, I am responsible for overseeing the company’s auto business. In my time as President, the business has turned around to become one of the largest auto lenders in the nation. Over the past several years, my team and I have completely transformed the auto business model, making the jump to a technology business driven by human-centered design. We have reimagined the boundaries of auto in an innovative way for the good of the customer. Among many other patented processes, we launched our award-winning Auto Navigator product in 2015 with the goal of simplifying the car buying experience for consumers. We also launched Capital One Navigator Platform in 2023, a suite of digital tools that build on the business’s existing products and adds new capabilities to allow auto dealers to connect with more car buyers.
• In a milestone moment in 2025, we launched the company’s first customer-facing AI tool. Backed by our proprietary technology, Chat Concierge leverages agentic AI to answer questions, schedule test drives and more to help streamline the car buying experience.
• During this time, I have also had the privilege to shape and execute key Capital One giving strategies for Texas, Louisiana and Oklahoma. It is an area I am deeply passionate about, as we contribute to building thriving communities.
• I serve as a member of Capital One’s Executive Committee and have the pleasure of reporting directly to our company’s founder, chairman and CEO, Richard D. Fairbank.

Jan 2008 – Jan 2009 · 1 yr

• In my role as President, I turned around the Auto Finance business, to sustained profitability. It is now one of the largest auto lenders in the country, and one of Capital One’s core businesses.

Jan 2005 – Jan 2008 · 3 yrs

• While serving as Executive Vice President of Capital One Europe, I was responsible for the strategic direction, marketing, operations and financial performance of the company’s European segment. I led the turnaround of a business by selling some non-strategic business units, shutting down poorly performing and structurally unstable businesses, and completely restructuring and refocusing the UK Card business.

Jan 1999 – Jan 2005 · 6 yrs

• I started the Small Business Card business in Capital One in 1998. It has grown to become one of the leading Small Business Card franchises in the United States.
• As Head of Capital One Canada, my team and I revamped the business strategy, operations, information technology platform, and turned the business around to profitability and growth.

Jul 1998 – Jan 1999 · 6 mos

• When I first joined Capital One, I was responsible for Credit Risk Management and Risk Operations strategies for all credit card businesses across the company, managing credit strategies after an account became delinquent.

Jan 1996 – Jan 1998 · 2 yrs

• While working at Circuit City, I led an organization of District Managers, Human Resource Managers and Loss Prevention Managers, delivering approximately $175 million in annual sales with optimal profitability through 15 Circuit City stores. I established a new competitive pricing strategy for all retail skus, and designed and delivered a robust information platform in order to manage pricing on a daily basis.

Jan 1992 – Jan 1996 · 4 yrs

• At PepsiCo, I served as an international Market Manager for Taco Bell, responsible for the general management of West Ontario and upstate New York. I simultaneously grew market share and dramatically improved operating profit in both markets through the optimization of existing businesses as well as aggressive expansion into new points of access. In Western Ontario, I grew sales by 35% and operating profit by 62%. In upstate New York, I grew operating profit by 83%.

Jan 1983 – Jan 1990 · 7 yrs

• I was the youngest Chief Engineer in Mobil Shipping and Transportation at the time, leading multinational and multicultural work teams. I introduced and implemented a Total Quality and Customer Service approach in shipboard management for the first time in Mobil, which resulted in improved operations and shorter load/discharge turnarounds.

Jan 1977 – Jan 1983 · 6 yrs

• In this role, I led multinational and multicultural teams in engineering projects around the world.