NA CLARK
Ponte Vedra Beach,FL
Summary
Energetic and dedicated risk group manager with 20 years of experience in credit risk management and analytics. Demonstrated expertise in risk identification, control creation, and effective stakeholder engagement. Skilled in performing through control assessment, recommending improvements, and ensuring timely and accurate implementation. Proven ability to collaborate across disciplines, provide guidance to multiple stakeholders, and drive continuous improvement. Passionate about maximizing operational and financial performance and contributing to organizational success through strategic risk management.
Overview
19
19
years of professional experience
Work History
SVP in Collections & Recovery Risk Management
Citibank
03.2018 - Current
- Manage a team of professionals to develop and implement comprehensive collection and recovery risk digital, non-digital strategies and processes to optimize account performance through different channels in Citi North America Cards and Unsecured portfolios
- Develop pre and post charge off treatment, loss mitigation and segmentation strategies to reduce Net Credit Loss (NCL) and operational expense
- Utilize data analytics and collaborate with different groups to assess risk level and develop tools and strategies to optimize returns
- Establish key performance indicators and metrics to monitor effectiveness of strategies and implement MIS to identify new trends
- Engage with internal stakeholders including risk management teams, operations, business units to communicate findings, inform loss and recovery expectations and provide input into strategies and process changes
- Collaborate with cross functional operations and vendor managers to evaluate agency and internal recovery unit performance for market share recommendation
- Build digital capability in recovery domain to allow online access and mobile app for recovery accounts
- Implement outbound dialing strategies for recovery to comply applicable policies, state regulations and governance requirements
- Manage pending and confirmed bankruptcy process and probate agency process through market share as well as simplify and align probate process
- Expand Internal Recovery Unit (IRU) to Branded Cards and Citi Retail Services portfolios including dialing and letter strategies, Control MIS reports, requirements and monitoring reports with key metrics
- Partner with Legal and Compliance, Risk policy and internal audit teams to ensure regulatory and policy compliance through validations, effective controls, testing and maintaining strategy documentations
- Partner with IT, validation and project managers to resolve issues and gaps discovered in production environment
- Responsible for management of risk policies and procedures, caring for review, assessment and continued development of governance process and controls in Collections and Recovery Risk team
- Understand applicable policies, industry regulations and impact of governance items on initiatives
- Worked with issue management team on the root cause and resolution of various issue for Bankruptcy and Probate.
Credit Risk Consultant
Wells Fargo
05.2017 - 03.2018
- Develop Risk Collections strategy for Cease and Desist, Skip and Spinners populations and provide financial benefits, expense/FTE impacts and performance analysis
- Support digital segmentation strategy for BAU population based on customers digital channel preference
- Expert with strong knowledge in all Collections related strategies including risk segmentation, treatment, contact collections strategies
- Mentor junior team members on new strategy proposal, A/B testing, test reads and roll rate analysis.
Risk Policy Manager
Citi
10.2014 - 05.2017
- Develop 'end to end' contact and conversion strategy including hypothesis development, test design, test vs control analysis, strategy rollout recommendation and oversight of implementation
- Create early out agency placement strategy for skip population
- Design tests/rollout strategies, analyze tests performance and conduct P&L analysis
- Provide leadership by proactively reviewing the strategy implementation and execution needs and partner with Operations, Dialer, Control MIS, Work Force Management and Decision Engine teams
- Proficient in organizing and managing multiple critical projects and assignments effectively, such as BestBuy conversion, Brands late-stage roll rate issue, Costco conversion
- Perform SAS mainframe batch jobs to assist in data analysis, strategy pre and post implementation validation to ensure the application of operational risk policies and support internal controls.
Business Planning & Analysis Senior Analyst
Citi
05.2008 - 10.2014
- Created SAS code on mainframe to perform data analysis and parallel testing from multiple source systems for different LOBs, and conduct data analysis to support key strategic priorities
- Developed and implemented strategies in Decision Engine for various businesses including Citicards, Student Loan, Real Estate, and Channels Communication to support business goals
- Utilized Triad and Blaze Advisor to enable customer level strategy segmentation and treatment including scoring, queuing, offers and communication.
Risk Analyst
Taylor Bean & Whitaker Mortgage Corp
05.2005 - 03.2008
Education
Master’s in Business -
University of Florida
05.2005
Master’s in Economics -
University of Texas at San Antonio
05.2003
Skills
Credit Risk Management
Analytical Thinking
Problem Solving
Risk Assessment and Controls
Risk Analysis and Reporting
Project Management
SAS
Decision Engines-Triad
Microsoft Office
Tableau
Timeline
SVP in Collections & Recovery Risk Management
Citibank
03.2018 - Current
Credit Risk Consultant
Wells Fargo
05.2017 - 03.2018
Risk Policy Manager
Citi
10.2014 - 05.2017
Business Planning & Analysis Senior Analyst
Citi
05.2008 - 10.2014
Risk Analyst
Taylor Bean & Whitaker Mortgage Corp
05.2005 - 03.2008
Master’s in Business -
University of Florida
Master’s in Economics -
University of Texas at San Antonio
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