Summary
Overview
Work History
Education
Skills
Timeline
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Brad Bahr

Mansfield

Summary

Experienced leader with strong background in guiding teams, managing complex projects, and achieving strategic objectives. Excels in developing efficient processes, ensuring high standards, and aligning efforts with organizational goals. Known for collaborative approach and commitment to excellence.

Results-oriented achiever with proven ability to exceed targets and drive success in fast-paced environments. Combines strategic thinking with hands-on experience to deliver impactful solutions and enhance organizational performance.

Overview

27
27
years of professional experience

Work History

Dr Operational Risk Management NAM CBORC

Citi Group
10.2023 - Current
  • Lead efforts across NAM Businesses focusing on Governance & Change Management in support of Consent Order and Transformation actions.
  • Core work including New Product approval, Regulatory and Policy change Management with the line of businesses including Cards, Retail Bank, Wealth, Mortgage and Retail Services.
  • Lead efforts to align NAM to a single Pre-PAC New Product Approval framework, including process, requirements, platform, roles and responsibilities (NAM Change Committee).
  • Collaborated across 1st and 2nd line to deploy Risk SME engagement model to identify appropriate risks, assessments effectiveness and completeness of controls.
  • Aligned efforts to global requirements with in E2E MRA for Product Governance including rolling out of single Pre-PAC platform, creating of procedures, training and executing training across 300+ end users across NAM.
  • Managed efforts for change management across Policy and Regulatory changes, efforts include design and deployment of Pega system 'PCM' to establish workflow and corresponding process for policy changes (current process is manual).
  • Created and deployed Change Management Standard MCA Profile across NAM.
  • Additional change efforts include leading efforts for process improvements, LEAN assessment and workflow automation for the Mortgage GSE process.

SVP Operational Risk Management Global Branded Cards & Global Consumer Services

Citi Group
09.2017 - 09.2020
  • Accountable for the handling of Operational Risk across Global Consumer Services across North America, Mexico & APAC inclusive of Branded Cards and Retail Bank products.
  • Develop and implement control routines and corresponding methodologies to identify and manage risk, as well as quantitative and qualitative effectiveness measures, to assess the effectiveness of control framework within GCB.
  • Created Standard MCA Profiles across Global Consumer Business to drive consistent control and monitoring framework including within; Payment Card Networks, Branded Cards, Complaint Management & Add-on Products.
  • Lead efforts with OCC for Managers Control Assessment review for NAM Branded Cards and Retail Services. Drove efforts with business CEOs, CBORC staff and regulators. Resulted in no MRAs or reportable observations for lines businesses.

Senior Vice President Operational Risk Management

Citi Group
02.2013 - 09.2017
  • Accountable for the handling of Operational Risk across Branded Cards and Retail Services inclusive of Functional Areas Risk Management, Decision and Price Management, Marketing, Risk Ops Utility (Fraud Policy, Collection Policy and Credit Reporting), Customer Service, Customer Data Intelligence, Partnership and Product Management.
  • Responsible for creation and presentation of the quarterly BRCC to both Branded Cards and Retail Services businesses including respective CEOs, Compliance, Internal Audit, Independent Operational Risk Management.
  • Manage 10 Business Leads in identification of significant risks, assessing both design and execution of controls and monitoring, and establishment of sound controls and monitoring.
  • Team accountable for key control activities within Branded and Retail Services including evaluation of risks within New Products or Services requiring being assessed the ORA (Operational Risk Assessment) prior to assessment by CPAC.
  • Establishment and review of KRI including assessment of performance, breaches and corresponding actions to address.
  • Responsible control establishment and monitoring space including GxT (Branded Cards), Fusion (Retail Services).
  • Execute assessments of Third Party Risk Management and oversight of Vendors quarterly reporting within MCA.
  • Executed end-to-end assessment of complaint process across 10 Lines of Businesses prior to CFPB complaint exam, outlined key pillars for sound process, presented plan to Retails Cards CEO which in turn was presented to the Audit Committee.
  • Responsible for reviewing, assessing risk and acting as BOD (Business Optimization and Development) Sponsor for Retail Services IT projects flagged as Compliance. Activities include engaging Finance for EBIT, system hours estimate and Compliance review.

Senior Vice President Risk Management

Citi Group
05.2011 - 02.2013
  • Managed Control and Oversight department including establishment of Manager Control Assessment from RCSA.
  • Created 'Rules of the Road' or Quality Control reviews for ensuring adherence to key Regulations, Global and Local Policies (GCCFRP) and procedures within Credit Policy, Collection and Fraud Policy, Loan Loss Reserve and Modeling processes.
  • Created 'Rules of the Road' and Compliance Matrix outlining required Quality Reviews for monitoring of controls within key Regulations, key Global and Local Policies (GCCFRP) and Regulatory Guidance (OCC Bulletins).
  • Drove completion, validation and closure of Matters Requiring Attention (MRAs) from 2009 and 2010 OCC Loss Mitigation Exams across Collections Operations and Policy. Including presenting to POET (Project OCC Execution Team) inclusive of Retail Services and Branded Cards CEO, CBNA Board Members and CAO Heads.
  • Control Lead for internal reviews including FCR Retail Services review and Fraud IA Audit including review of MCA, performance, and key risk performance from Control and Oversight team. Partnered with Fraud Management, IA and others during review, resulting in Satisfactory rating.

Senior Auditor- Default Operations Mortgage

JMP Chase
07.2010 - 05.2011
  • Executed Internal Audit program across Home Lending Recovery functions including but not limited to Default Management, Loss- Reconciliation and adherence to key regulations including but not limited to FDCPA.
  • Reviewed departmental practices and execution against applicable regulatory requirements including but not limited to Fair Debt Collection Practices Act; Home Affordable Modification Program (HAMP), Home Affordable Foreclosure Alternatives (HAFA) and Home Valuation Code of Conduct (HVCC).
  • Built relationships with key internal stakeholders, in a consultative manner, to deepen understanding of the business and help strengthen the control environment.
  • Performing Continuous Audit activities to stay abreast of changes or impacts to the control environment, such as staying current on industry changes and new regulatory pronouncements.

Audit Manager- Risk Operations Collections, Credit and Fraud

Citi Group
01.2005 - 06.2010
  • Managed Risk based audits across North America Operations Businesses including Collections, Credit and Fraud, both across consumer and commercial Businesses within the US and Canada.
  • Included assessment of Risk Based Modeling, Fraud and Credit Scoring development and validation, Regulatory and Compliance adherence, Strategy development and execution as well as Operational effectiveness.
  • Collaborated with Fraud and Collections Directors in both Operations and Risk for both Citi Corp and Citi Holdings including Sears, The Home Depot and RPL/Oil to establish more effective control environment and key risk indicators.
  • Lead Audit team members in creating Review Guides outlining key risks and controls across Collections, Fraud, and Credit for Cards, Auto, and Mortgage and Citi Financial products.
  • Collaborated with external agencies including OCC in the completion of MRA resulting from Supervisory letters with focus on Account Management Guidelines.
  • Collaborated with Fraud Business management in creating Risk Appraisals Profiles to outline risks and mitigating controls embedded across the Business.
  • Completed International assignments including Central America Consumer Collections and Brazil Consumer Risk Management including Fraud strategy development and execution.

Assistant Vice President Commercial Account and Collections –Sears Portfolio

CitiGroup
01.2004 - 01.2005
  • Managed large teams in diverse areas including Collections, Customer Service and Commercial Account Manager Teams.
  • Spearheaded multi-functional team to create and complete all Sears Commercial reporting requirements for adherence to corporate credit policy reporting requirements.
  • Created SAS requests, implemented processes, User Acceptance Testing and training for all workable reporting within operations for use with Cognos.
  • Worked as lead operational contact for key system conversion project from TSYS to FDR to the Sears Commercial portfolio.
  • Lead operational team in collaborating with Risk in establishing requirements to create tracking on Recourse accounts, including aging, decision variables and overall performance of recourse portfolio to minimize charge backs and inappropriate credit losses.
  • Created queue structure within TSYS system for workable collection queues including inventory reporting.
  • Lead and managed team of technical writers responsible for converting Sears’s procedures into Citi approved processes.
  • Established performance standards to effectively coach employees including dollars collected, reviews per hour and others resulting in increased efficiency, effectiveness, and quality within Collections and Customer Service departments.
  • Acted as operational lead collaborating with Internal Audit in reviewing and completing requirements for Corrective Action issues found within both RCSA testing and audits for all Sears Commercial departments including Credit, Collections and Customer Service Phones and Paper.

Pre-Legal and Accounts Receivable Manager- Consumer & Commercial Portfolios

PCI-Hawk Electronics
01.2002 - 01.2004
  • Managed teams in multiple areas for collections for both consumer and commercial accounts.
  • Established collections strategy including queue prioritization, dialing/calling strategies and key risk indicators to track and support productivity.
  • Increased payments over the phone in excess of $2.5 million by creating and employing a Check by Phone process throughout the company over 2-year period.
  • Lead initiative to create a Performance Management program for Accounts Receivable and Pre-Legal, including monthly performance compensation packages and reviews as well as annual reviews.
  • Directed project with Credit Manager and MIS team to create Credit guidelines including scoring parameters for Sub prime customers within the Cellular telephone and Home Security industry.
  • Organized and lead partnership with Quality department to implement a structured Quality program for collections.

Fraud Recovery Manager

Capital One
01.1998 - 01.2002
  • Managed team responsible for Fraud loss recoveries including merchant chargebacks, customer rebills, and establishment of restitution accounts and recognition of Fraud losses for operational write-offs.
  • Lead project team to create and implement new Performance Management tools and incentive plan for over 120 associates resulting in improved performance.
  • Integrated incoming call function into Fraud detection unit, saving the company 2 Million dollars annually.
  • Managed team responsible for decision and collecting on over $9 million annually.

Fraud Prevention-Detection Manager

Capital One
01.1998 - 01.2002
  • Implemented and managed start up unit Detection Special Report Unit including database workstation in DFW to focus on fraud losses due to Fraudulent Applications, Account Take Over and Payment or First Party fraud.
  • Worked to implement negative file processes across department including utilizing known fraud variables such demographic data, Alpha Numeric Indicate (ANI) and other key elements to address multiple fraud types.
  • Analyzed incoming fraud to determine trends, performance against forecast to develop changes within optimal strategy execution.
  • Created and maintained Access database to evaluate and record performance from an audit perspective for 65 associates.
  • Increased OTB (Open to Buy) protected per FTE from $20,000 to $60,000 (300% increase over 12 months).
  • Hired, trained and managed staff of over 45 associates and 3 supervisors; maintained employee records and performance evaluations.

Education

BBA - Finance

The University of Texas At Arlington
Arlington, TX
05-2005

Skills

  • Supportive interpersonal skills
  • Teamwork and collaboration
  • Customer service
  • Problem-solving
  • Operational risk management
  • Enterprise risk management
  • Risk management strategies
  • Internal control management
  • Loss prevention programs
  • Audit management
  • Cross-functional collaboration
  • Risk mitigation strategies
  • Risk advisory
  • Risk management assessment
  • Data management
  • Analytical skills

Timeline

Dr Operational Risk Management NAM CBORC

Citi Group
10.2023 - Current

SVP Operational Risk Management Global Branded Cards & Global Consumer Services

Citi Group
09.2017 - 09.2020

Senior Vice President Operational Risk Management

Citi Group
02.2013 - 09.2017

Senior Vice President Risk Management

Citi Group
05.2011 - 02.2013

Senior Auditor- Default Operations Mortgage

JMP Chase
07.2010 - 05.2011

Audit Manager- Risk Operations Collections, Credit and Fraud

Citi Group
01.2005 - 06.2010

Assistant Vice President Commercial Account and Collections –Sears Portfolio

CitiGroup
01.2004 - 01.2005

Pre-Legal and Accounts Receivable Manager- Consumer & Commercial Portfolios

PCI-Hawk Electronics
01.2002 - 01.2004

Fraud Recovery Manager

Capital One
01.1998 - 01.2002

Fraud Prevention-Detection Manager

Capital One
01.1998 - 01.2002

BBA - Finance

The University of Texas At Arlington

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