Work Experience

Digital Federal Credit Union

Manager of Financial and Credit Model Development

2022 - Present

Operating as a ‘one stop shop’ for capital and credit forecasting: including developing models, oversight, governance and deployment.

2nd Line Risk: Stood up 2nd Line functions including behavioral modeling and strategic decisioning on campaigns

• Behavioral Models (PD/LGD): Developed behavioral models for risk awareness, marketing promotions, and pricing (via AIRB) with feedback from SMEs in business lines;

• Raised awareness on unexplored default challenges within a vulnerable portfolio;

Strategy:

• Improved marketing promotions by using 2nd Line models to not advertise to risky members;

• Merger: Supported modeling process for upcoming merger with First Tech;

• Developed monthly economic forecasts tying economic and market risks to DCU’s portfolio.

Stress Testing, CECL and Capital Plan: Developed initial Stress Testing, reviewed CECL models, and

• Stress Testing/CECL: Programmed (python) end to end solution to efficiently harness my forecasting models. Outputs include default balances, losses, income, etc at loan, portfolio, and entity level;

• Capital Plan: Wrote selections of 2025 Capital Plan on scenario, scenario development, modeling, and financial results of stress testing and ‘Basecase’;

• CECL/Stress Testing: Developed internal models to forecast expected losses using economic variables, client features (FICO etc) and credit loan characteristics (utilization, term etc). Completed years ahead of schedule.

Mentoring

• Oversees ‘Data Science’ cross functional gatherings;

• Worked closely with Credit Union analysts and University of Mass. Lowell students (“Capstone”) to improve their projects, messaging, and career goals.

Santander Bank

VP of SBB Credit

Feb 2021 – Oct 2022

• Modernized Small Business Banking credit monitoring;

• Automated reporting (5x increased efficiency) and providing enhanced insights to CRO;

• Used statistical methods to determine resource allocation for loan pipeline;

• Developed macro economic insights to pre-emptively adjust credit policy.

Head of Economics

Nov 2017-Feb 2021

• Worked across business leadership, internal stakeholders, IT, and risk to define scenarios for regulatory stress testing (CCAR/HCR, CECL, IFRS9, ICAAP, EBA)

• Responsible for the collection, creation, and dissemination of economic information for forecasting/budgeting purposes;

• Created monthly economic C Suite updates;

• Wrote selections of 2018-2020 Capital Plan on scenario, scenario development, governance, modeling, and operational risk;

• Through process improvement and automation increased efficiency by over 50%;

• Developed Machine Learning applications forecasting macroeconomic variables;

• Speaker at Santander Mexico conference on US economics and risks;

• Developed process to optimize CECL scenario weighting;

• Climate change stress testing;

• Managed 1 Analyst; Managed one external corporate relationship.

CCAR Risk Manager

Nov 2015-Oct 2017

• Led CCAR commercial implementation team including: creation of loss forecasts, data review, analysis of inputs and outputs, and presentation of processes to various directors and CROs (Excel/R/SAS/Python);

• Implemented statistical models for CCAR (R) with automated checking features;

• Produced and delivered strategic budget implementation forecasts for risk department;

• Proactively assisted with transitions of directors during critical periods;

• Head of Budgeting for risk;

• Managed 4 Analysts.

Analytics Team Lead (AVP)

Wells Fargo Asset Management

Jan 2014 - Oct 2015

• Managed performance and profitability project spanning multiple WF investment departments. Guided C level executives through my quantitative analysis of disparate division’s ability to provide client-level performance and profitability;

• Statistical analysis (regression and impact evaluation) to support management decision-making and strategic objectives, including initiatives for CIO of Wells Fargo Advisors and Wells Fargo Private Bank.

• Portfolio and Asset forecasting;

• Portfolio Analyst for $20B fund of funds; reviewed potential risk and return of portfolio using quantitative analysis: Scenario Analysis, Stress Testing, and Regression Modeling;

• Lead fixed-income analyst to evaluate, and recommended current and potential managers for mutual fund and separately managed account platform of over $13B in assets under management;

• Recommended, developed, and led a new revenue enhancement sales proposal system that provided cost cutting ($200K in third-party costs over 6 months), simplifying data updates and reduced production times from an hour to 5 minutes (Excel).

Raymond James

Financial Analyst

Jan 2014 - Oct 2015

• Finance/Economic consultant on a variety of projects on the oDesk/Upwork platform

• Created financial models and projections for founders of emerging Australian SMB consultant firm;

• Developed metrics to measure quality of financial advisors for founder of RateMyAdvisor.Com.

• Volunteer Tennis Coach in Ho Chi Minh City, Vietnam

Upwork

Independent Consultant on Upwork

2012-2014

Tennis Coach

Locations: Florida, Michigan, Vietnam, California

2005-2006, 2012-2013

• Ran hourly clinics with up to 8 adults and 20 kids

• Private Coaching to Kids and Adults

• 2 students I hit with made D1 schools (University of Ohio and Boston University)

• Full time coach at Grand Harbor in Vero Beach Florida and Little Harbor Club in Harbor Springs Michigan

Education

Boston University

M.A. in Economics

Focus: Finance, International and Economic Development

Skill Growth: Macro Economics, Econometrics, Statistical Experimental Design (Quasi Experimental Methods)

B.A. in Economics, Minor: Finance

Focus: Finance, International and Economic Development

Achievements: High GPA, Captain Tennis Team (Div 2 8th Ranked)

Eckerd College

CFA Charter Holder

Skill Growth: Financial Statement Analysis, Corporate Finance & Strategic Planning (NPV), Forecasting

Volunteering

• 3 semesters of overseeing University of Massachusetts (Lowell) Data Sciences “Capstone” projects.

• Teaching Python

• Blood Donation

• CPR & First Aide Training (OSHA Compliant)

• Junior Achievement: Teaching inner city kids financial literacy

• Volley Against Violence (Volunteer for Keeping Kids off the Streets with Tennis)

• Coordinated Care a facility helping elderly people in Vero Beach Florida

• Tennis Coach in Vietnam

Current