James Krenowicz
Frisco,TX
Summary
Strategic-thinking individual experienced in turning low-performing organizations into top revenue producers. Offering engaging and pleasant personality with expertise improving customer relationships.
Professional with robust background in directing and managing large-scale operations, consistently driving success through strategic planning and execution. Adept at implementing innovative solutions that enhance productivity and operational effectiveness. Known for fostering teamwork and adapting to evolving business needs, ensuring alignment with organizational goals.
Experienced with strategic planning and project management. Utilizes leadership skills to drive team performance and operational excellence. Track record of delivering high-impact results through innovative problem-solving and effective communication.
Knowledgeable [Desired Position] with proven history of leading high-performing teams and executing strategic initiatives that drive organizational growth. Successfully directed cross-functional projects that resulted in significant process improvements and operational efficiencies. Demonstrated leadership and communication skills in fostering collaborative environments and delivering impactful results.
Collaborative leader partners with coworkers to promote engaged, empowering work culture. Documented strengths in building and maintaining relationships with diverse range of stakeholders in dynamic, fast-paced settings.
Strong leader and problem-solver dedicated to streamlining operations to decrease costs and promote organizational efficiency. Uses independent decision-making skills and sound judgment to positively impact company success.
Overview
45
45
years of professional experience
Work History
Director-Issue Validation US Personal Bank
Citi
04.2018 - 12.2024
- Managed a team of twenty-four audit professionals located in India, Texas, Delaware, and South Carolina to complete validation is issues raised by Internal Audit and regulatory agencies.
- Responsibilities include providing review of and validation of first- and second-line management’s corrective action to provide assurance of compliance with policy, procedures, and legal requirements.
- Led and facilitated the transition from a decentralized issue validation operation to a centralized operation in India with on-shore resources.
- Successfully validated through consultation with management three regulatory issues with high visibility: Debts Previously Contracted, AML and Lender Paid Assistance
- Maintained significant communication with stakeholders to provide senior management to ability to close issues
- Maintained consistent adherence to IA methodology that was validated through the QA process. In addition, all issues were completed within the timelines.
Director-Internal Audit North American Cards
Citi
04.2015 - 04.2018
- Execute approved audit plan to ensure compliance with the schedule and compliance with Internal Audit standards.
- Maintain relationship with senior business management through periodic meetings to discuss issues, trends and emerging.
- Mange the audit execution and business monitoring of the business to ensure that the appropriate key inherent risk and controls are identified and testing of the design and operating effectiveness of those controls.
- Mange a team of sixteen auditors that located in three locations (NY, DE, and TX)
Senior Audit Manager
Citi
11.2013 - 04.2015
- Mange and lead audit teams for global cards and compliance. Ensure execution of the audit, prepare the audit report, and ensure that the required corrective action for issues identified is identified and validated upon implementation.
- Issue validation of all regulatory and audit generated issues
- Managed a team of five auditors.
VP Operational Risk-Mortgage
Citi
06.2012 - 11.2013
- Monitor risk elements in the mortgage business.
- Perform annual risk assessments for all operations within the Mortgage.
VP-Senior Audit Manager
Bank of America
07.2011 - 03.2012
- Manage the engagement of Collections, Short Sales, Bankruptcy and Loan Modifications
- Manage staff (6) in multiple locations.
- Maintain relationships with Senior Management
VP - Audit Manager
JP Morgan Chase
02.2010 - 06.2011
- Managed audits of the Home Lending Business-Default Servicing that included Loan Modifications, Bankruptcy, Foreclosure, and Claims
Audit Manager
Citi
01.2003 - 01.2010
- Lead review for the various businesses primarily mortgage and credit cards.
- Lead reviews of the merger and acquisition activity that included development of audit methodology, identified key risk not disclosed by the business and identified overstatement of incomes by $15MM.
Audit Manager
Capital One
01.2002 - 01.2003
- Audit lead for the Auto Financial Services, a $20 million portfolio.
- Created audit entities for the business and the first audit plan.
- During execution of Audit Plan identified several risk management issues that included jeopardizing the company's ability to secure the asset
- Identified cash management process representing $100,000 interest improvement.
Director, Application Processing
GE Capital
01.2000 - 01.2002
- Managed the application process for the Long-Term Care Insurance Business that was staffed with 53 employees.
- Transition a process of 6,000 monthly applications to an outsourced internal vendor reducing the $5million budget by 40% while increasing capacity by 65%.
- Prior to Off shoring of processes, utilized Six Sigma methodology to reduce application cycle time from 45 to 35 days.
Operations Manager
GE Capital
01.1999 - 01.2000
- Managed commercial lending problem account process for working capital and financed inventory.
- Responsible for default resolution through contract negotiations, repossession, or other required actions
Vice president Risk and Operations
Gdansk - PL
01.1998 - 01.1998
- Managed, reviewed, and implemented risk management policies for a $700 million consumer and commercial portfolio.
- Lead business reorganization that consolidated thirty-five branch locations into one facility reducing expenses 50% and improving operation controls.
Senior Vice President Risk and Operations
01.1995 - 01.1998
- Led the Taiwan consumer and commercial financing businesses.
- Risk Management lead that included implementation of credit policies and collection practices that reduced losses by 35% and improved profitability by reducing loan loss reserves.
- Improved operating expenses by 40% through consolidation of six branches.
Vice President Risk and Operations
01.1994 - 01.1995
- Lead the creation and implementation of back-room operations for a new business in India.
- Quarterly reported to the joint venture Board of Directors
Vice President Risk and Operations
01.1991 - 01.1994
- Finalized the Maruti Joint Venture - Barrington, IL 1991 to 1994 resulting in the partner increasing equity stake from 32% to 41%.
Manager Audit and Field Services
01.1991 - 01.1994
- Recruited, hired, and managed an audit staff performing client reviews
Risk Manager
01.1991 - 01.1994
- Monitored financed auto portfolio and consumer financing.
Audit Manager
Nissan Motor Acceptance Corporation
01.1989 - 01.1991
- Established and managed internal audit operations
Risk and Operations Manager
GE Capital
01.1986 - 01.1989
- Managed the financed inventory appliance portfolio staffed with approximately thirty employees.
Risk Manager
private label credit cards
01.1984 - 01.1986
- Monitored the consumer and financed inventory portfolio for six sites
Corporate Auditor
01.1980 - 01.1984
Education
B.S. - Finance
University of Missouri-St. Louis
St. Louis, MOSkills
- Strategic planning
- Decision-making
- Operations management
- Staff development
- Team collaboration
- Team management
- Staff management
- Strategies and goals
Accomplishments
- Documented and resolved [Issue] which led to [Results].
- Achieved [Result] by completing [Task] with accuracy and efficiency.
- Achieved [Result] through effectively helping with [Task].
- Achieved [Result] by introducing [Software] for [Type] tasks.
- Collaborated with team of [Number] in the development of [Project name].
- Supervised team of [Number] staff members.
- Used Microsoft Excel to develop inventory tracking spreadsheets.
Timeline
Director-Issue Validation US Personal Bank
Citi
04.2018 - 12.2024
Director-Internal Audit North American Cards
Citi
04.2015 - 04.2018
Senior Audit Manager
Citi
11.2013 - 04.2015
VP Operational Risk-Mortgage
Citi
06.2012 - 11.2013
VP-Senior Audit Manager
Bank of America
07.2011 - 03.2012
VP - Audit Manager
JP Morgan Chase
02.2010 - 06.2011
Audit Manager
Citi
01.2003 - 01.2010
Audit Manager
Capital One
01.2002 - 01.2003
Director, Application Processing
GE Capital
01.2000 - 01.2002
Operations Manager
GE Capital
01.1999 - 01.2000
Vice president Risk and Operations
Gdansk - PL
01.1998 - 01.1998
Senior Vice President Risk and Operations
01.1995 - 01.1998
Vice President Risk and Operations
01.1994 - 01.1995
Vice President Risk and Operations
01.1991 - 01.1994
Manager Audit and Field Services
01.1991 - 01.1994
Risk Manager
01.1991 - 01.1994
Audit Manager
Nissan Motor Acceptance Corporation
01.1989 - 01.1991
Risk and Operations Manager
GE Capital
01.1986 - 01.1989
Risk Manager
private label credit cards
01.1984 - 01.1986
Corporate Auditor
01.1980 - 01.1984
B.S. - Finance
University of Missouri-St. Louis