Summary of Qualifications

Accomplished finance professional with over ten years of treasury and

financial risk management experience. Proven record of increasing

reporting transparency while reducing costs by designing innovative

financial and operational control solutions. Specialties:

( ASSET LIABILITY MANAGEMENT ( ALM SOFTWARE EXPERTISE

( FINANCIAL MARKETS ( MS EXCEL EXPERTISE

( QUANTITATIVE METHODS ( PREPAYMENT FORECASTING

( COMPLEX CASH FLOW MODELING ( VBA AND SQL

EXPERIENCE

Webster Bank - Waterbury, Connecticut August 2009 - Present

Senior Asset/Liability Analyst

Responsible for monthly Bancware processing, valuation and reporting of net

economic value (NEV) and mortgage servicing rights (MSR). Developed and

maintained a highly accurate econometric regression to forecast whole loan

prepayments. Active participant of valuation committee.

. Ensured regulatory (OCC) compliance related to model validation by

working cross-functionally with key personnel at Sungard to reverse

engineer stochastic valuations in 2012.

. Partnered with an existing key vendor and acquired expertise in

recalibrating their model parameters to improve projected cash flows.

Added organizational value by implementing steps that directly

improved the quality of the net interest income (NII) forecast in

2011.

. Established the internal prepayment framework for the whole loan

portfolio in early 2010 including the policies, procedures, reporting

and analytics pertaining to more than 50,000 customer accounts.

Sovereign Bank - Wyomissing, Pennsylvania April 2007 - August 2009

Senior Risk Analyst

Responsible for producing monthly interest rate risk measurement

calculations and reporting primary risks to the interest rate risk manager.

Performed model reviews and completed backtesting that supported the

continued development of best practice risk metrics.

. Enhanced technological efficiency, improved reporting transparency,

and helped to save thousands in vendor costs by reviewing source

system data, recommending new product hierarchies, new

stratifications, and documenting model settings for a software version

upgrade (QRM v14) in 2009.

. Successfully implemented a tractable price elasticity model for

indeterminate deposits in 2008.

. Modified the data load process of pay-fixed interest rate swaps to

drastically reduce valuation and forecasting differences in 2007.

Alvernia University - Reading, Pennsylvania January 2008 - August 2009

Adjunct Faculty Member

Instructed corporate finance, financial analysis, and other business

courses. Prepared course syllabi, lesson plans, teaching aids, exams, and

other instructional materials for classroom and web-based e-Education

platforms such as the Blackboard Learning System.

GMAC Mortgage - Horsham, Pennsylvania September 2002 - April 2007

Manager, Risk Analytics (Dec '05 - Apr '07)

Primarily responsible for all daily valuation and risk measurement activity

covering the firm's MSR and IO Residual hedge portfolio consisting of U.S.

Governments, Agencies, CMO's, Repo's, Swaps, Swaptions, Caps/Floors, U.S.

Treasury Futures, Eurodollar Futures, and Options.

. Assisted with the valuation methodology and designed the swap

valuation process for a Conduit created in July 2006.

. Initiated a software replacement analysis that considered post-merger

factors and drafted a work estimate for senior management review while

participating with senior management on strategic planning initiatives

affecting valuation software.

. Created and maintained customized add-on automation complementing

middle office operations and internal reporting processes.

Manager, Treasury Operations and Treasury Systems (Mar '05 - Dec '05)

Managed a staff of four wire technicians and was responsible for improving

internal customer service. Fulfilled business system analyst functions

related to Treasury's Electronic Funds Transfer application (WebSeries).

Established business requirements and test management while acting as

liaison between Information Technology and Treasury Operations for

WebSeries interface changes and enhancements. Developed and maintained

interim reporting solutions while the funds transfer system was upgraded.

. Took the lead business analyst responsibility during a transition of

major commercial banking partners where costs were reduced by 25

percent.

. Provided general Treasury and Risk Management systems administration,

which included: Business Continuity and Disaster Recovery support,

planning and maintenance, Treasury and Risk Management intranet, Risk

Management applications.

. Collaborated with management, users, and information technology

professionals to create solutions to business problems through process

efficiencies and automation.

Senior Financial Analyst (Sep '02 - Mar '05)

Provided daily and weekly reports to the GMAC Residential Investment

Committee summarizing market and counterparty risk exposures. Was

responsible for providing monthly Value-at-Risk reports to the GMAC

Mortgage Group Risk Committee. Managed several transactional databases and

acted as administrator for the mortgage company's electronic payment

application. Maintained the Treasury and Risk Management department's

business continuity and disaster recovery plans.

. Resolved a Sarbanes~Oxley control deficiency by adding Eurodollar,

U.S. Treasury Security and Swap Futures to Risk Management's valuation

software (Theoretics); and developed an interface between Theoretics

and MS Excel that automated the exposure reporting and margin

requirement calculations.

. Implemented transactional databases for U.S. Treasury Security trades

and repurchase agreements. Automated back office and reporting

functions with Visual Basic for Applications, which saved the company

thousands of dollars in developer fees, and mitigated the risk of

incurring failure to settle fees.

. Revamped the 30-Day Hedge Carry forecast by modeling swap, swaption,

and floor valuations using Theoretics and MS Access.

Financial Analyst (under contract Mar '02 - Sep '02)

Recruited by a subsidiary of General Motors Acceptance Corporation

Residential Holding with assets of $10 billion to review and repair the

relationship banking database.

. Designed and developed the Treasury and Risk Management department's

intranet to maintain its business continuity and disaster recovery

documents. Facilitated document updates with JavaScript.

. Spearheaded the validation and scrubbing of the bank relationship

management database, saving the company over $15,000 in vendor costs

and restoring accuracy of service charge information.

First Union National Bank - Wyomissing, Pennsylvania March 1999 -

January 2001

Financial Specialist, First Union Direct

Consultatively marketed retail loans and deposit, investment and insurance

products for one of the largest banking institutions on the East Coast.

Worked with checking, savings, certificate of deposit, custodial and trust

accounts; home equity, auto and personal loans; money markets and mutual

funds; and life, auto and hazard insurance.

. Honored with Ascent Award during the 2000 Sharing the Vision

Conference for excellence in product knowledge and customer service.

. Privileged to be nominated by peers as a key participant in senior

management's Employee Advisory Council, credited to demonstrated

leadership and exemplary product knowledge.

Education

Temple University Philadelphia, Pennsylvania

Master of Business Administration in Finance December 2002

Kutztown University Kutztown, Pennsylvania

Bachelor of Sciences in Economics and International Business December 1994

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