Vice President, Account Management & Decision Science -- Wells Fargo Bank
October 1999 – January 2013
Managed risk policy for Wells Fargo's Signature Card product (no pre-set spending limit product targeted for high value customers).  Managed credit line increase and authorization strategies, determining which segments of this population were profitable with different treatments.  Presented strategy recommendations to senior management for approval.  Managed one direct report and served as a formal mentor for 3 employees in our department.  Provided both technical and business guidance to new employees.
Quantitative Business Analyst, Credit Card Risk Management -- First USA Bank (known as Chase Bank today)
May 1998 – September 1999
Co-managed credit card authorization system (FDR). Worked extensively with authorization level data, analyzing different segments of portfolio for levels of risk.  Initiated and implemented authorization strategy changes, based on risk and profitability.  Analyzed performance of strategy changes to measure effectiveness.  Became Risk policy product owner for Secured card portfolio.  Created and produced monthly MIS on various portfolio segments.
Economic Analyst, International Group -- Wharton Econometric Forecasting Associates (WEFA)
August 1996 – May 1998
Produced quarterly economic forecasts for the economy of Iceland.  Along with forecasting all major economic attributes (Gross Domestic Product, Imports/Exports, Exchange Rates, etc.), put together a written economic summary for our quarterly publication.  Edited all economic write-ups for my colleagues (most of whom were not native English speakers) for grammar, spelling and content. 

 Villanova University, Villanova, PA -- B.A. Cum Laude, Economics/Honors with a Business Minor
Dean's List 7 semesters -- 3.7 GPA, 3.97 in major
Winner of the Adam Smith Award for Excellence in Economics (as Villanova's top Economics student)

外教亲和力强