SUMMARY

Finance, accounting, management and strategy executive focused on guiding enterprises to higher operating performance and shareholder value. Deliver effective finance and accounting governance by optimizing strategy, planning, forecasting, accounting and reporting processes. Provide actionable, analytics-based advice to c-level, corporate and line of business management.

CORE COMPETENCIES

Directing enterprises through strategy, planning, accounting, forecasting and reporting cycles.

Experienced executive manager of finance and accounting staffs / departments.

Disciplined administrator for corporate and business line financial control and governance.

Analytics for strategic planning, mergers & acquisitions and acquisition integration.

Rigorous evaluation of expansion and restructuring proposals for businesses and product lines.

Profitability turnaround and risk profile improvement for underperforming business lines.

Project management and governance for successful implementations of complex financial systems.

Thought leadership in profitability measurement and redesign of financial systems and processes.

Extensive business experience in financial and business services (banking / insurance / business support).

Deep proficiency in financial governance support to shared services (technology, operations, human resources) and corporate support (finance, legal, communications and executive).

Comprehensive communications to shareholders, SEC, regulators and ratings agencies.

Mentoring and development of finance staff.

PROFESSIONAL EXPERIENCE

Experis / MetLife Insurance Finance & Risk Advisory Services Consultant 2010 – current

HSBC Finance / Insurance Management Information, Planning & Analysis SVP 2006 – 2009

Webster Bank Financial Planning & Analysis SVP 2003 – 2006

Allfirst Bank Planning & Performance Reporting SVP 2000 – 2003

M&T Bank Finance & Accounting VP 1985 – 2000

INTERNATIONAL EXPERIENCE

MetLife / Alico acquisition integration efforts in 50+ countries.

HSBC Insurance home office in London, UK (matrix management). Financial oversight on Canadian operations.

Allfirst / AIB home office in Dublin, Ireland (matrix management).

Lived in Europe (11 years), fluent in German, Austrian High School Diploma (Matura).

EDUCATION

The Wharton School MBA – Finance 1985

Canisius College MBA – Accounting 1990

University of Pennsylvania BA – Economics, BS – International Business 1982

RESPONSIBILITIES AND ACCOMPLISHMENTS

Experis, Consulting Subsidiary of Manpower Inc., Parsippany, NJ and New York, NY 2010 - current

Financial Governance Consulting Engagements at MetLife (NYSE: MET)

Finance & Risk Advisory Services Consultant

Advisory services and execution support on policies, procedures and controls for enterprise projects.

Three-year, $870 million integration of MetLife’s $16 billion acquisition of the American Life Insurance Company (“Alico”) from AIG covering nearly 450 initiatives in 50+ countries.

Three-year, $500 million US location strategy initiative.

Global legal entity rationalization, European regulatory framework (Solvency II) compliance, fill-in acquisitions, divestitures, real estate footprint and global platforms (Actuarial, Human Resources, Accounting, Communications).

Designed, recommended, vetted, obtained executive approval and implemented accounting, financial planning, analysis, forecasting, reporting and executive governance processes.

Development, compilation and analytical vetting of initial program budgets based on due diligence / discovery in preparation for management / board approvals.

Finance governance support to Global Technology & Operations and Enterprise Program Management.

Compilation, evaluation and review of financials for project milestone reviews.

Monthly / quarterly accounting close, tax transfer pricing documentation and settlements as well as foreign exchange gains / losses.

Compilation support and analytical review of global integration teams’ forecasts and variances.

Control and audit related analytics, management reporting and public disclosures.

HSBC Finance / Insurance – North America, Bridgewater, NJ 2006 - 2009

Subsidiary of HSBC Holdings PLC, London, UK (NYSE: HBC)

Senior Vice President – Management Information, Planning & Analysis

Executive responsible for the compilation of multi-year strategic financial and annual business plans, monthly management reporting, financial analysis and rating agency presentations for HSBC’s US and Canadian insurance manufacturing and distribution businesses ($2 billion in revenues, $250 million in expenses and 10+ distinct business units).

Provided finance support to business units, operations and technology.

Developed financial business cases on business line proposals to focus the enterprise on highest value-added activities.

Guided prioritization of utilization of scarce operations and technology resources by ranking proposed projects on financial impact.

Identified uncompetitive pricing on simplified issue term life insurance product leading to repricing and improved sales.

Provided analytical support for monthly accounting close, shortened process to 3 days and improved control over financial reporting.

Successfully retained A. M. Best rating at A+ (superior) in 2008; A rating in 2009.

Refined metrics in monthly reporting and prompted management and business units to address opportunities and risks.

Guided expense management in the back office in line with the wind-down of businesses to maintain margins while preserving customer service.

Managed local implementation of global forecasting (Cognos TM-1) and cost management (PeopleSoft ABM) systems.

Webster Bank, Waterbury, CT 2003 - 2006

Lead Bank of Webster Financial Corporation (NYSE: WBS)

Senior Vice President – Financial Planning & Analysis

Executive responsible for the compilation of annual business plans, current-year / multi-year financial forecasts and performance measurement for the $17 billion financial holding company.

Directed quarterly business unit reviews with the CEO, CFO, President and business line executives.

Identified value impairments to executive management for corrective action including excessive overhead in the insurance business and insufficiently profitable deposit mix and pricing in the de-novo branch strategy.

Produced monthly performance reporting with funds transfer pricing, risk capital and activity based costing.

Administered data warehouse for profitability measurement, asset liability management, financial and regulatory reporting.

Provided financial control support for the monthly financial close.

Advanced theory and practice of funds transfer pricing, capital attribution and cost allocations; alerted management to underperforming business units and mispriced products.

Led project to ensure continuous functionality and seamless transition of existing Finance, Accounting, Treasury and HR systems during a regulator-mandated replacement of all customer-facing core systems.

Redesigned general ledger chart of accounts to streamline SEC, regulatory and management reporting.

Oversight on a project that successfully addressed regulatory concerns on corporate information security.

Participated in the regulatory applications and audit leading to the granting of a national bank charter.

Planned and executed integrations of the FirstFed America Bancorp, First City Bank and NewMil Bancorp.

Developed analytics and commentary for investor relations for press releases and investor conferences.

Allfirst Bank, Baltimore, MD 2000 - 2003

Lead Bank of Allfirst Financial, Inc., Subsidiary of Allied Irish Banks, PLC, Dublin, Ireland (NYSE: AIB)

Senior Vice President – Director of Planning & Performance Reporting

Executive responsible for annual business plans, short and long-term financial forecasts and monthly Risk Adjusted Return on Capital (RAROC) based performance reporting for $18 billion bank holding company.

Member of the Executive Pricing Committee of ALCO – provided guidance on improving profitability on deposit liabilities and small business lending.

Built enterprise-wide consensus for the purchase of a new profitability system with integrated funds transfer pricing, risk capital attribution and activity based costing modules; guided the implementation and transition to the new system.

Financial control support for monthly financial close and Asset Liability Committee (ALCO) projections.

Contributor to SEC reporting: Management Discussion and Analysis, Footnotes and other disclosures.

Financial analyses for strategy reviews of business lines, products and potential acquisitions; outlined performance projections and strategy options at C-level planning meetings; reverse merger with M&T Bank.

Managerial oversight of the shareholder services function.

Drove convergence of RAROC reporting practices to align Allfirst with AIB’s global standards.

Manufacturers & Traders Trust Co. (M&T Bank) 1985 - 2000

Lead Bank of M&T Bank Corporation, Buffalo, NY (NYSE: MTB)

Vice President, Financial Analysis & Performance Measurement (1999-2000)

Managed department responsible for annual business plans, monthly performance reporting and analytical support to business lines for $21 billion holding company.

Implemented economic value added concept into existing performance reporting process.

Vice President, Product & Financial Manager, Indirect Lending (1995-1999)

Held P&L responsibility for a $1 billion consumer loan business. Managed team providing analytical support including projections, budgets, competitor pricing review and evaluation of business proposals. Performed financial oversight of technology, legal, risk management and compliance functions.

Introduced risk based pricing and static pool loss projections to turn around the under-performing business.

Expanded product offering to include leasing and purchased portfolios (funding of third party originations).

Provided finance support to geographic market expansion and asset securitization initiatives.

Vice President, Manager, Corporate Reporting (1993-1995)

Managed staff of 12 CPA’s and Financial Analysts responsible for SEC, regulatory and shareholder reporting as well as general accounting for the holding company and various subsidiaries.

Administered monthly closing process for holding company and subsidiaries; achieved targeted 3-day close.

Interfaced with public accountants and regulatory agencies for external audits and regulatory examinations.

Vice President, Manager, Corporate Finance & Investor Relations (1987-1993)

Managed staff responsible for financial analyses on proposed acquisitions and business opportunities. Analyzed and optimized capital structure / requirements of the holding company and subsidiaries.

Directed due diligence reviews, summarized findings and consolidated projections on proposed acquisitions.

Prepared recommendations for board consideration, financial projections for regulatory approvals and presentations to ratings agencies and investment community.

Manager, Financial Planning & Analysis Unit (1985-1987)

Compiled capital, operating, and compensation budgets, monthly and full-year earnings projections and financial analyses on business opportunities.

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