GREG THOMAS LAUGHLIN

*** ****** **** ac2ybb@r.postjobfree.com

Lawrenceburg, Indiana 47025 513-***-****

EDUCATION

Master of Science-Finance; May 2007

Auburn University-Auburn, Alabama

Master of Business Administration (MBA); May 2004

Texas Tech University-Lubbock, Texas

Bachelor of Arts-Cinema/Television; May 2002

University of Southern California-Los Angeles, California

EXPERIENCE

TEKSYSTEMS – NEW YORK, NEW YORK May 2016-Present

Contract roles for this IT consulting firm with the following banking clients:

COMMUNITY CHOICE FINANCIAL– DUBLIN, OHIO

Senior Credit Risk Analyst

Develop and implement acquisition, pricing, and credit underwriting models used to support lending decisions by using advanced modeling and simulation techniques to optimize the performance of loan products and operations.

Develop statistical models and scorecards used in credit underwriting, loan pricing, collection, and portfolio risk monitoring.

Monitor performance of quantitative models and support independent model validation efforts in accordance with the model governance policy.

Support identification, measurement, and monitoring of credit risk as it relates to loan purchases and participation.

Support use of credit models and analytics to assist lending with policies and strategies that maximize profits and asset growth and minimizes credit and operating losses as well as other risk exposures.

Reporting for risk identification, measurements and management with respect to credit risk modeling activities.

BANK OF AMERICA– NEW YORK, NEW YORK

IT Business Analyst V

Gathering of technical requirements for the documentation of models created by the Global Risk Analytics group

Creation of presentation decks for the new IFRS9 (International Financial Reporting Standard – version 9) standards and their application to the model development environment

DEUTSCHE BANK – NEW YORK, NEW YORK

Credit Risk (CCAR) Business Analyst

Analysis of deliverables necessary for CCAR submissions as well as collaboration with credit risk officers.

Reconcile model output (13 quarters of projections using SAS) for portfolio losses, allowances and provisions from the PD, LGD and Loss Estimation models to identify potential issues and deficiencies and provide recommendations for remediation to CRM senior management.

Coordinate and facilitate the documentation (PowerPoint presentation decks) for the CRM CCAR initiative.

Present/Report data findings to large audiences and facilitate workshops to coordinate reconciliation procedures.

Create reports (SQL, Excel and Access) to analyze the drivers of loss estimates.

Facilitate & lead discussions addressing critical topics throughout the stress testing process including topics such as loss estimation methodologies and PD/LGD/EAD model enhancements.

DELOITTE – CHARLOTTE, NORTH CAROLINA August 2012-May 2016

Senior Consultant

Participant in client engagements with banks and other financial institutions for projects involving credit risk management methodologies and techniques covering consumer, commercial, operational and capital markets.

Operational risk engagements including audit plan development/documentation, controls testing, compliance requirements, internal processes and systems, issues tracking and SOX (Sarbanes-Oxley) requirements

Creation of statistical models (origination scorecards, roll rate, linear and logistic regression, loss-PD/LGD/EAD, PPNR with SAS) involving sampling, variable selection, correlation analysis, model estimation, back testing, stress testing and scenario analysis for clients to solve business problems in forecasting loan performance, defaults and loss severity for consumer financial products (mortgages, credit cards, auto loans, equity lines/loans, personal loans), commercial and international portfolios.

Credit risk evaluation, including qualitative and quantitative approaches, as well as programming code review, model validation and model performance metrics review (K-S curve, Gini coefficient, ROC (Receiver Operating Characteristic) curve, PSI (Population Stability Index), CSI (Character Stability Index) plus ALLL, CCAR, DFAST, Basel, SR 11-7, OCC 2011-12 and other regulatory compliance and statutory requirements.

RBS-CITIZENS BANK GROUP - BRIDGEPORT, CONNECTICUT November 2011-April 2012

Risk Manager II

Credit risk analytics for the TRUFIT student loan portfolio (setting and monitoring risk appetite, implementing credit acquisition strategies, setting credit policy parameters, and providing credit analysis to support strategic initiatives

Product enhancements, pricing strategies and new product offerings, and implementing automated decision strategies.

Developing linear and logistic regression models with SAS for forecasting loss (PD/LGD/EAD), portfolio segmentation and underwriting/originations

Maintaining ongoing reporting (SQL queries), credit portfolio monitoring, monitoring credit policy exception activity, setting credit parameters/risk appetites for school eligibility

THE WELLSPRING GROUP – WILTON, CONNECTICUT July 2011-November 2011

Contract role for this IT consulting firm with the following banking client:

RBS-CITIZENS BANK GROUP – BOSTON, MASSACHUSETTS

Quantitative/Risk Analyst

Model validation for statistical models (with SAS) across all business lines (consumer, commercial, etc.)

Review model documentation, quarterly monitoring reports and validation documents for compliance and performance of risk models

Review, analysis, documentation and presentation of model compliance in accordance with bank policies and Basel II regulatory requirements

Maintenance of central model inventory for accuracy and development purposes

FIFTH THIRD BANK – CINCINNATI, OHIO September 2009-July 2011

Credit Risk Analyst II

Credit risk analytics (forecasting/reporting on originations, delinquencies, chargeoffs) and portfolio strategy initiatives (spending patterns, acquisition channel analysis, campaign testing) for consumer direct portfolio (including credit card, home equity, auto, investment secured, unsecured, private banking)

Project analyst for Indirect and Direct scorecard development (data modeling and validation, performance analysis, policy review)

Creation of SAS programs to extract datasets for generating monthly risk presentations (with PowerPoint) and development of roll rate and loss (PD/LGD/EAD) models

Ad-hoc reporting and analysis of various credit risk issues such as ALLL (Allowance for Loan/Lease Losses) modeling, loan modifications, line management/utilization rates, collateral analysis and macro-economic scenarios (optimization) such as the effects of a business closure on delinquencies/chargeoffs within a particular region.

BBVA COMPASS BANK - BIRMINGHAM, ALABAMA January 2008-May 2009

Collections Risk Analyst

Analytics (using SAS and SQL for forecasting/reporting on roll rates, transition states, delinquencies, chargeoffs) for retail portfolios (credit card, auto loans, mortgages, home equity lines/loans, overdraft accounts, etc.)

Dialer volume/productivity reporting as well as database maintenance and IT business requirements

Project management responsibilities for collections scorecard modeling project (involving decision trees for FICO score analysis, retrieval of credit bureau data and the formulation of loss and recovery models)

U.S. BANK - SAINT PAUL, MINNESOTA February 2006-May 2006

Risk Analyst (Intern)

Managed the credit quality of the DDA portfolio through the following assignments:

spreadsheet modeling analysis of checking account advance program for revenue projections

spreadsheet modeling analysis of checking account recovery program for revenue enhancement

development of underwriting policies and guidelines

monitoring/forecasting monthly and quarterly account performance

risk/return evaluation, account management strategy and scorecard evaluation/maintenance

FIRST DATA CORPORATION March 1997-August 2002; June 2004-June 2005

Analyst (Remitco – Columbus, Georgia) June 2004-June 2005

Provided operational support for the remittance processing unit of FDC, including:

development of Excel spreadsheet model and macros for daily production and volume statistics

creation of Access database for vendor invoicing and billing

implementation of Quicken software for reconciliation of cash account and inventory management

trend analysis for production, labor and resource forecasting

additional financial, productivity and other ad-hoc reporting and processing

Business Analyst (TeleCheck – Houston, Texas) February 2001-August 2002

Collected, analyzed and documented client requirements for accounting, risk control, marketing and strategic development groups.

creation and maintenance of SQL statistical database for corporate retail index (revenue activity by industry, region)

migration of third party collections data (corporate acquisitions) into Data Warehouse

implementation of technical requirements for new risk engine for check authorization

creation of customized Data Warehouse queries and templates for reports and analysis

training individual users on Impromptu for Data Warehouse access

project management duties for departmental initiatives and data integrity review for Oracle DB updates

IT Applications Specialist (TeleCheck – Houston, Texas) February 2000-February 2001

Maintained historical databases used for predictive modeling and completed specialized report processing for the National Accounts and Strategic Marketing divisions, requiring the following procedures:

monthly tagging and inferencing of data files for updating scorecards used in risk control analysis

creation of tactical scoring application (SQL, Java) for tracking and analysis of collection items

creation of intranet site (with HTML) detailing department functions, activities and technical information

creation of specialized data analysis for national account managers

End-of-Month Coordinator/AR Rep/Merchant Services Rep (TeleCheck – Houston, TX) March 1997-February 2000

Monthly creation and distribution of 80,000+ invoices and compiled reporting on all electronic check transactions. Completed consolidated billing and reporting, involvement in Internet check acceptance product and online electronic invoicing. Collection duties for past due accounts, credit issues for new merchants and database processing for A/R aging reports. Outbound/inbound customer service calls on account maintenance, inquiries on invoices, payments, warranties, etc. Other duties included retrains, service upgrades and new account installations.

COMPUTER SKILLS

Microsoft Office proficiency (10+ years-Access, Excel, Outlook, PowerPoint, Project, Visio, Word). SQL (10+ years), Hyperion Essbase (2 years), Business Objects (2 years), SAS-PC/UNIX/Enterprise Guide/Enterprise Miner (10+ years), VBA (4 years), Knowledge Studio predictive analytics software (Knowledge Seeker) (5 years), Bloomberg terminal (4 years), R programming language (2 years), Tableau data visualization software (2 years), Python (< 1 year), Amazon Web Services Lambda for remote computing (<1 year).

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