SUMMARY

• In search of contract or permanent opportunity to apply 25 years of financial and banking experience delivering treasury, credit and cash management solutions to banks and corporations as consultant and founder of captive 2 billion dollar financial services company.
• The typical role as Business Analyst has been identifying business needs, defining solutions, identifying gaps in current processes versus potential solutions.
• Quantifying costs to benefits of alternatives, defining business requirements and producing the solutions for Fortune 500 companies, Government and major banks.
• Experienced manager of product development, software implementation and strategic enterprise product implementation and development.
• Successfully leveraged technology and operational changes to successful produce financial products and systems resulting in excess of $80 million in savings. A competent communicator at all levels of the organization with presentations, marketing documents, training and executive communications.
• Writing business requirements, cost justification, costing and solving process implementation issues
• 25 years of identifying inefficiencies and delivering award winning solutions to banks in form of new sales, new products, cross selling services to build lasting relationships. These have all bank services delivering solutions and not just sales.
• Leveraged Bank Operations and Cash Management product knowledge to produce significant savings with greater security
• Provided project liaison between IT staff and end users to ensure required functionality.
• Delivered product conversions and guiding client solutions relative to Credit, Investments, EFT payments, and business partner management (other banks, ASP, Venders, and internal customers)
• Fact finding to ID current needs and the gap versus proposed solutions.
• Trained 10,000 financial professionals in 2 and 3 day classes in US and international markets
• Designed and built a technology industry focused captive finance company exceeding $2 billion in funding in fourth year
• Credit based services implemented were: merchant processing, card issuance, revolving credit, government backed loans for educational institutions, factoring, leasing and others.
• Established metrics to better KYC to reduce risk in AML and client SAR performance
• Documented Business Requirements, defined user needs, issued RFPs and implemented ERP software
• Public speaker, writer and trainer

PROFESSIONAL EXPERIENCE

PROFESSIONAL EXPERIENCE

Confidential

Senior Business Analyst

Responsibilities:

• Writer of business requirements for a new integrated small loan enterprise system for the 2500 consumer loan production offices across the USA. Allowing shorter time to market for new products compliant with multiple regulatory controls. Based on user analysis and enhancing current requirements. Expand use of EFT Payment Systems for controls and efficiency in collecting and disbursing funds.
• Produced product documentation presenting the user’s prospective of various solutions.
• Worked with AML compliance in writing rules, controls, and reporting to comply with BSA, SAR and AML reporting. The documentation based on experience with SDLC and object oriented business requirement documentation, fact finding and stakeholder. Delivery of enhanced capabilities from venders supporting debit cards, writing AML rules for automating card deposits, and other financial accounting and tracking requirements.
• Write user documentation for Loan Offices; interact with large S/W development team from Mexico.
• Provide guidance for new ideas for accuracy, security, and efficiency in the new unique single purpose software for this company and my 35 years of experience providing financial application solution development to financial institutions, State of SC, US Postal Service, Hewlett Packard, World Bank, IBM, Nationwide Ins. And others.

Confidential

Senior Payment Risk Analyst

Responsibilities:

• Organized a process to bring diverse online bank products into compliance with the FFIEC’s guidance for authentication and fraud controls across the multiple retail and consumer banking products
• Delivered analysis of various consumer products which generated payment transaction risks Gift Cards and Bill Pay and recommended controls to mitigate risk
• Analyzed vender responses to RFP relative to potential acquisition of a new on line bill payment program
• Developed a plan for compliance with federal banking requirement relative to online banking risk and customer authentication
• Evaluated risk associated with Gift Card product and effectiveness of risk controls
• Analysis of Strategic Goals and determining procedures for dissecting, analyzing, responding, and communicating with stakeholders
• Documented payment transactions, change processes, AML risk controls, and identify key risk Indicators with products

Confidential

Senior Project Manager

Responsibilities:

• Implemented greater consistency for software testing, daily operations, and documented change controls by operations for Fed Wire and ACH, Risk Policies, controls and banking payment systems
• Resolved processes and changes to meeting requirements of Audit Review Committee. Interacted with local and remote offices, defined new processes and controls to ensure limits of risk
• Established Test controls, scripts, cases and official acceptance for product changes associated with Payment Software Operations.
• Enterprise Payment Intraday Risk Mitigation of EFT payment systems risk procedures and documenting policies for ACH and Fed wire transactions
• Designated senior coordinator of intra-day cash position and quantified credit risk exposure for customer, bank officer, branch and other business units
• Member of the selection committee to identify one vender from the top five global systems consulting firms for technical delivery of this $20 million project

Confidential

Senior Payment Analyst

Responsibilities:

• Provided greater efficiency, security and control of EFT transactions, originations and exceptions
• Designed testing, implementation and training for new ACH payments software
• Enhanced payment test controls for ACH file processing and exception processing related to bank acquisitions
• Reviewed, defined, validated concepts and guided IT enhancement process, wrote business rules, data sources coordinated development of a multi-functional ERP automated payment system
• Analysis of operational ACH related payment controls, process documentation, justified and designed solutions.
• Designed screening of ACH files and alternatives for compromised ACH files
• Investigation and evaluation of ACH software venders
• Evaluated various ACH processes, critiqued AML procedures and selecting criteria for SAR, designed alternate processes, designed s/w solutions to monitor exceptions
• Prepared ACH department for OCC Audit through stakeholder input and critiquing documented procedures

Confidential

Senior Implementation Analyst

Responsibilities:

• Delivered in a team environment, the conversion of multiple systems into a single point of entry of integrated internet treasury and cash management data for a single platform
• Documented system requirements and implementation process documents
• Coordinated the delivery of Credit Department records, data, transactions, letters of credit, and documents as needed for commercial and corporate customers.
• Analysis of International Banking Systems and business requirements to improve accuracy and security of processes involving: EFT, AML screening, Fed Wire Modules, Letters of Credit and related payment controls. Documented short fall “gap” of current versus goal they seek.
• Transaction migration of existing process for clients into a new one point of entry to vender and banking treasury and cash management banking systems
• Integration of services such as: remote deposits, lockbox data reporting, stop payments, ACH, EFT, Fed Wire, SWIFT Messages, etc. associated with customer access of in-house processing and third party processors
• Wrote test cases, scripts and performed testing within quality assurance guidelines for conversion
• Wrote Help Screens and System User Documents for easy start up with new system.

Confidential

Employment Security Business Analyst

Responsibilities:

• Analyzed and designed alternatives payment methods to individuals currently receiving paper checks for unemployment benefits. The EFT solution resulted in millions of dollar of savings annually
• Evaluate opportunities to achieve greater efficiencies through EFT, Direct Deposit and ATM Card usage as an alternative to checks
• Identified: Risks/Benefits of alternative systems
• ID business requirements and produce a Cost / Benefit Analysis for alternative payment system
• Provided a system to provide automated accounting updates
• Produced justification for change for executive management
• Wrote Executive Report and budget to justify project producing multi-million dollar savings

Confidential

Project Manager

Responsibilities:

• Performed assessment of the credit (credit analysis, accounts receivable processing and debt collections) processes.
• Evaluated use of Credit Card in purchase products from merchant
• Reduced client complaints with collections, DSO and outstanding AR 25% in four months.
• Developed departmental business metrics, incentive compensation, enhanced internal communications, created credit analysis teams, and process improvements for the accounts receivable activities.
• Implemented an automated accounts receivable system update for cash application.

Confidential

Project Manager

Responsibilities:

• Let a project team to build a web based credit decision and funding internet based program for Commercial Paper Securitization and funding software to be marketed to wholesale distributors and value added resellers.
• Developed alternative payment processes, business requirements and software requirements
• EFT and EDI payments, cash application, and invoicing.
• Establish and define the Testing Controls for s/w development for this client
• Credit Card issuance and processing.
• Implemented quality assurance for development and delivery.
• Documented business requirements and accounting requirements.
• Coordinated staff of eight, including 3 BA’s, marketing and IT developers
• Guided, wrote, and analyzed test plan, scripts and testing results for new systems.

Confidential

Responsibilities:

• Founder of a captive financial services company generating increasing profits each year and exceeding 2000% in four years
• Manage the selection, negotiation and relationship through service level agreements
• The genesis of the company was a consulting assignment with the parent company, Ingram Industries Inc.
• Managed a portfolio of financial projects: Each evolved into new financing services to SMB market
• As general manager I managed product development, coordination with stakeholders and the managers of marketing, sales, and operations to produce profits for this captive financial services company
• In the fourth year we produced $2.5 million in Net Income
• Managed staff of 50 in New York and California
• Evaluation of credit card sales and processor options and detailed level three savings with $200,000/yr gain
• The captive financial services business increased funding from $100 million in 1997 to $2 billion in 2002
• Creative marketing and financing added value at all levels of the technology distribution channel
• Negotiated contracts with several major financial institutions

Confidential

Professional Consultant (Owner)

Responsibilities:

• Manager/founder of a treasury and cash management consulting company delivering change and enhancements to companies and banks through reviews, payment system enhancements, software implementation, and operational assessments
• Project Manager on over 20 projects ranging from 3 months to 30 months for financial transactions and reporting
• Trained over 4,000 candidates for the CCM/CTP treasury professional certifications
• Awarded the distinction of “Financial Educator of the Year”, by the American Management Association
• Designed the system and developed marketing for the IBM Corp Cash Manager for banks and companies
• Consulted with banks and companies in the selection and development of Treasury Management Systems
• Designed a secure payments system for the USPS for moving, controlling, and tracking over $300 million per day.
• Reviewed the Investment Management operations for larger global broker/dealer with guidance for settlement, cash application, document management, EFT payments and operations for payment collections.
• Found over $2 million in fraud within IT Department for the Sr. VP of Finance in a global company
• Through “review” of corporate financial operations in a global treasury operation I was able to expose the immediate risk of $2 billion dollars accessed by over 400 non-financial associates in 50 states plus PR.
• Audited the Wachovia fed wire system used by their customer for security, accuracy, and installation
• Recommended and directed the implementation of EDI for inventory, billing, and cash application for millions of items bought/sold daily