SUMMARY:

• Currently seeking an opportunity to apply my experience guiding solutions for Fortune 500 companies, government and banks. Solutions have produced over $80 million in first year savings, while mentoring and staff development produced team member successes beyond dollars.
• An experienced negotiator of multi - million dollar contracts with dozens of business partners. Measured partner performance through metrics, key to desired performance of venders and staff performance. Clients benefited from process documentation, identifying risk indicators, budgeting, forecasting, and communications for executives, IT staff, and stakeholders.
• This career path has included bank operations, lending, product management, Treasury and Cash Management, Operations, Business Analyst, roject Management, Consulting and founder of $2 billion captive finance company plus a consulting company
• 30 years of guiding the development of generic and unique process improvements, S/W implementation, Treasury, Payments, Cash Management and various financial applications
• Designed and built a profitable high performing captive finance company (Ingram Financial Services Company) growing to over $2 billion in funding in four years serving about 6,500 commercial businesses nation-wide, delivering Purchase Order Financing, Term Loans, Trade Credit, Revolving Credit, Equipment and System Leasing to SMB Markets
• Designed banking products and guided development and implemented of treasury workstations for banks and companies (IBM, FundTech, SunGard, ADS, XRT, etc.)
• Trainer of thousands of financial professionals for Certified Treasury Professional (CTP) and CCM s plus CPA continuing units
• Initiated changes to merchant card processing and improve profitability $200,000/year
• Public speaker, writer for financial periodicals, and trainer for Commercial Institutions: American Management Association of NY, Wharton Executive Conferences, American Bankers Association, Assoc. for Financial Professionals, and CPA SocietiesDefined business requirements
• Produced Business Requirements
• Certified Commercial Lender
• Produced gap analyses
• Identify and Mitigate Risk
• Managed merchant credit card implementation
• Facilitated S/W review and sign-off sessions
• Produced budgets and cost/benefit analysis
• Review and selection of vendors and vender SLA metrics
• Produced project plans for implementing Fed Wire and ACH modules for Internet based EFT
• Managed selection and implementation of Payment and EFT workstation solution
• Organized project resource teams
• Produced RFP for vender and product selection of software and vender services
• Responsible for organization and focus of stakeholders
• Taught over 400 multi-day banking and financial classes
• Produced Budget & Cash forecasts
• Implemented system with production of Test Plans, Test Cases, Test Scripts and User Acceptance
• Deliver status and executive presentations
• Audits of current business processes
• Corporate Treasury Systems
• Microsoft Excel, Word, PowerPoint
• Fiserv - Bill Payment, CheckFree, ACH
• Security: LexisNexis and Key Risk Monitoring
• Treasury Workstations: SunGard ADS, XRT, and FundTech CASHPlus Work Stations
• First Data Merchant credit card processing and proprietary private label card service
• Software Development Life Cycle
• Minimized risk with new Key Risk Indicators and metrics of operational performance
• Payment Systems transaction controls
• AML / BSA / OFAC / Know Your Customer
• FFIEC security for on-line banking
• Designer of Treasury Management Systems
• Credit/Collections
• Investment Industry: Capital Markets, Equities and Fixed Income
• EFT, Fed Wire, ACH, SWIFT. CHIPS and risk controls
• Daily Cash Budgeting and Forecasting
• ARP/GL/AR/AP in ERP Environments
• Treasury and Cash Management Operations

PROFESSIONAL EXPERIENCE:

Confidential, Spartanburg, SC

Senior Business Analyst

Responsibilities:

• Writer of business requirements from Fact Finding, 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 Treasury controls and efficiency in collecting and disbursing funds.
• Produced product documentation presenting the user’s prospective of various solutions related to new software requirements for Loan production and Title Loan collateral
• Environment of Agile, SCRUM and object oriented documentation of fact finding results for loan process improvement
• Document management centralized on SharePoint with multiple contributors
• 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 improving accuracy, security, and efficiency in the new unique single purpose software for this company

Confidential, Greenville, SC

Senior Payment Risk Analyst

Responsibilities:

• Organized a framework to bring diverse online bank services into compliance with FFIEC guidance for authentication and sharing best practices across the multiple product lines
• Payment transaction risk analysis, sources of risk, Fed Wire and ACH processes creating risk, and controls to mitigate EFT risk
• Analyzed vender responses to RFP - Business Requirements for Bill Payment products
• Developed plan for compliance with FFIEC online banking risk and customer authentication
• Evaluation of Gift Card product and Risk Mitigation
• Analysis of Strategic Goals and determining procedures for dissecting, analyzing, responding, and communicating with stakeholders
• Document management centralized on SharePoint with multiple contributors
• Documented payment transaction risks, loss controls, operational expenses and Key Risk Indicators

Confidential, Richmond, VA

Senior Project Manager

Responsibilities:

• Implemented greater consistency for testing and change controls for Fed Wire and ACH, Risk Policies, and controls for Bank payment system
• Establish Test controls, scripts, cases and official acceptance for changes in Payment Software.
• Enterprise Payment Intraday Risk Mitigation of EFT payment systems risk procedures and documenting policies for ACH and Fed wire transactions
• Designated coordinator of intra-day cash position and quantified credit risk exposure
• Documentation of Policies, Standards, Processes and monitoring transaction risk exposures

Confidential, Buffalo, NY

Senior Payment Analyst

Responsibilities:

• Provided greater efficiency, security and control of ACH transactions, originations and exceptions
• 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, designed alternate processes, designed s/w solutions to monitor Exceptions
• Prepared department for OCC Audit through Stakeholder input and documenting processes

Confidential, New Orleans, LA

Senior Treasury Analyst

Responsibilities:

• 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, 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.
• Dropped out of consulting to assist with obligations to help my aged parents who passed away in 2008.

Confidential

Employment Security Business Analyst

Responsibilities:

• Analyzed and designed alternatives to paper payments of unemployment benefit payments resulted in millions of dollar of savings
• Prepare RFP for selection of bank to provide Debit Card and Direct Deposit services (without fees). This allowed achieving 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 produced a Cost / Benefit Analysis based on current investment in Software and Hardware to support current and alternative payment system
• Provided a system to provide automated accounting updates
• Produced justification for change for executive management using RFP responses as indicator of projected changes in bank fees
• Wrote Executive Report and budget to justify project producing multi-million dollar savings

Confidential

Project Manager

Responsibilities:

• Performed assessment of the credit (credit analysis, forecasting, 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:

• Led 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 and business requirements
• Implementation of EFT payments and EDI cash application
• Established and defined the Testing process and controls applied to our team’s s/w development, and Internet Credit Card acceptance and processing
• Implemented quality assurance for s/w development and delivery. Guided, wrote, and analyzed test plan, scripts and testing results for new systems.
• Documented business requirements and accounting requirements.
• Coordinated staff of eight, including 3 BA’s, marketing, IT manager and developers

Confidential

Director and GM of Ingram Micro Financial Services Company

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.
• Vender selection for funding of four different financial products was from venders (Financial Institutions) was based on four RFP responses for each service. This provided “market cost” guidance and capabilities of the vender.
• 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 managers of marketing, sales, and operations to produce profits for this captive fnancial 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 through use of e-Commerce
• Negotiated contracts with several major financial institutions and controlled SLA’s

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
• Provided the guidance and coordination of the production and analysis of Requests for Proposals (RFP’s) for clients relative to the selection of hardware, software and services
• Implement EDI and e-Commerce automation for client applications
• Review Credit Card usage and seek lower rates, fees and greater efficiency
• Trained over 4,000 candidates for the CCM/CTP treasury professional s
• Wrote and delivered over 400 seminars over a 20 year period for financial professionals
• ed the distinction of “Financial Educator of the Year”, by the American Management Association
• Designed the treasury and cash management system for major banks and companies
• Consulted with banks and companies in the selection and development of Treasury Management Systems