Financial Policy and Model Consulting | Owner & Principal ERM/Credit Consultant | Jan 2022 – Present Responsibilities: • Build loan products from scratch, including establishing banking relationship, warehouse line of credit, origination system, servicing system, and all credit risk functions. • Design and implement enterprise-wide ERM frameworks—including risk appetite statements, KRIs, and controls registers—aligned with COSO, ISO 31000, and FFIEC expectations. Results: • Started a lending program for the FinTech Oxygen in less than 1 year. • Built a NCUA-regulatory-compliant ERM program for Global Credit Union, including model risk in less than 1 year. • Built an ERM and Compliance program for homeFREE (in progress). • Built a lending program, including underwriting, system architecture, and compliance management program for EaziFunds in less than 1 year.

Responsibilities: • Build a comprehensive ERM framework, including model risk, aligned with regulatory expectations. • Lead the development and launch of a machine-learning-driven working capital loan product, refining risk tiering and loan amount assignment with data science teams. Results: • Started and grew a working capital loan program for health care providers to $10 million in less than 1 year. • Built an ERM program, including model risk, in less than 1 year.

Responsibilities: • Direct risk management and credit strategies for a multi-billion-dollar portfolio encompassing over 100 consumer and business lending programs. • Develop capital adequacy models and applied advanced machine learning algorithms to improve risk separation and strengthen underwriting performance. • Lead FinTech partnership with PayPal. Results: • Grew the Bank’s loan portfolio from $4 billion to over $12 billion in 5 years. • Increased profitability of the portfolio by between 2016 and 2019 by 39%. • Maintained Comenity Capital Bank’s profitability (ROA) at more than twice the industry average during the entire 8 years of my tenure. • Brought to fruition a very profitable FinTech / Partner Bank relationship with PayPal delivering business results across risk and growth objectives while maintaining strong risk governance and oversight. • Introduced new private label partner monitor program that allowed they Bank to intervene and limit volume with failing partners.

Zions Bancorporation | VP, Operational & Technology Risk / InfoSec Risk | Sept 2009 – Jun 2011 Responsibilities: • Build risk and control assessment programs across operational, technology, and financial reporting domains within a large OCC-regulated institution. • Support FFIEC, GLBA, NIST, and ISO 27001 regulatory compliance, developing operational risk dashboards for executive visibility. Results: • Passed all OCC examinations in the areas of Operational and Technology risk. • Introduced clear, concise risk dashboards for Executives and the Board • Built a team of skilled and motivated risk managers.

Responsibilities: • Build the bank from the de novo stage, including all credit risk policies, frameworks, and strategies. • Build a holistic ERM policies and frameworks to support private student lending. • Support and monitor educational institutions including large public and private schools, for-profit schools, career training schools and programs. Both undergraduate programs and graduate programs. • Craft credit risk strategies and predictive models for student lending, assessing credit performance, loss drivers, and long-term P&L profitability trade-offs. Models included both standard statistical models and machine-learning decision trees. Results: • Obtained FDIC and State of Utah approval to open the bank in record time, less than 6 monhs. • Built the Bank’s very profitable lending portfolio from zero to over $4 billion less than 4 years. • Built predictive models providing new insights about how students from different types of education institutions differ in payment patterns and loan losses, saving the company millions of dollars of losses.

ISO31000 Enterprise Risk Management

International Organization for Standardizatioin

2025

Credential ID: UC-9012e589-16e3-4c15-b989-617eb4a8cc90

Applied Data Science Program, Leveraging AI for Effective Decision Making

Massachusetts Institute of Technology

2025

Certified Crytocurrency Expert

Blockchain Council

2025