Experience
Broadcom Corporation  April 2012 - February 2014
Orchard Supply Hardware  October 2007 - June 2008
Footill De Anza Communty College   June 2000 - June 2003
Hewlett-Packard Financial Services   April 2000 - July 2000
Adaptec  October 1998 - April 2000
Solomon Page Group  August 1998 - October 1998
Fireside Thrift and Loan   April 1997 - November 1997
Consumer Portfolio Services  December 1995 - January 1997
Consumer Portfolio Services  December 1995 - January 1997
Orange County Corporate Courier, LLC   December 1994 - December 1995

Skills
Microsoft Office, Banking and Lending, Credit Analysis, Accounting, Budgeting, Customer Service, Banking, Outlook, Excel, Word, PowerPoint, Teamwork, Customer Relations, Problem Solving, Team Building, Financial Analysis, Analysis, Documentation, Interviewing, Strategic Planning, Research, Process Improvement, Administration, Windows, Team Leadership, Social Media, Financial Planning, Writing, Mac, Coaching, Customer Satisfaction, Supervisory Skills, Inventory Management, Critical Thinking, Retail, Spreadsheets, Data Entry, Accounts Receivable, Payroll Processing, Financial Reporting, Invoicing, Accounts Payable, Management, Interviews, Budgets, Microsoft Word, Leadership, Microsoft Excel, Human Resources

Education
Kaplan University   2010 — 2011
Bachelor of Science, Business Administration

San Jose State University   2003 — 2005
Business Administration

De Anza College   2000 — 2003
Associate of Arts, Multidisciplinary Studies

Experience
Siemens Healthcare  October 2004 - Present
Hewlett-Packard Financial Services   1999 - September 2004
Lucent Technologies Product Finance (A Unit of AT&T Capital Corporation)   1997 - 1999
AT&T Credit Corporation (A Unit of AT&T Capital Corporation)   1989 - 1997
Chase Manhattan Leasing Corporation   1989 - 1989
United States Leasing Corporation   1985 - 1989
Selecterm, Inc.   1983 - 1985
Prentice-Hall, Inc.   1980 - 1983

Skills
Equipment Finance, New Business Development, Account Management, Consultative Selling..., Credit, Structuring, Contract Negotiation, Portfolio Management, Healthcare Industry, Finance, Variance Analysis, Financial Analysis, Forecasting, Financial Modeling, Financial Structuring, Pricing, Strategic Planning, Sales, Start-ups, Management, Strategy, Sales Operations, Accounting, Asset Management, Credit Analysis, Financial Services, Executive Management, Risk Management, Mergers & Acquisitions

Education
College of the Holy Cross   1976 — 1980
Bachelor of Arts (B.A.)

Horace Greeley High School   1972 — 1976

Experience
Wipro Technologies  July 2008 - Present
TATA AIG GENERAL INSURANCE CO LTD   June 2006 - July 2008
iffco tokio general insurance co ltd   2005 - 2006
ICICI Lombard General Insurance co ltd   April 2004 - June 2005
Hewlett-Packard Financial Services   October 2002 - April 2004

Skills
ERP, Insurance, JD Edwards, Business Analysis, MIS, Project Management, Project Planning, Strategic Planning, Conflict Management, Management, Leadership, Team Management, Relationship Management, Software Project..., Resource Management, PMP, Business Process

Education
Bangalore University   2000 — 2002
Master of Business Administration (M.B.A.), Finance and Financial Management Services

Osmania University   1997 — 2000
Bachelor of Commerce (BCom), Economics

Kendriya Vidyalaya   1989 — 1997
10+2, Commerce, Economics, Accountancy

Experience
H&R Block  December 2011 - Present
H&R Block  December 2011 - Present
Irresistible Body Secrets-Ardyss International   September 2009 - Present
Ardyss Marketing Tools   2008 - 2011
Ardyss Marketing Tools   2008 - 2011
Robert Half International  December 2002 - September 2008
Genesis Pharmaceutical   December 2003 - February 2004
Hewlett Packard Financial Services  February 2003 - December 2003
Tiffany & Company  September 2002 - December 2002
Avaya Communications (formerly Lucent Technologies)   June 1998 - September 2001

Skills
Accounts Payable, Accounts Receivable, Income Tax, Tax Preparation, Tax Returns, Tax Law, Accounting, Banking, Bookkeeping, Data Entry, Financial Accounting, Account Reconciliation

Education
Barclay Medical Assistance/Business   1991 — 1994
Associate, Medical Business

Essex County College   1991 — 1994
Associate, Business Mangement

Barclay Career School

Essex County College

Hillside High School

Experience
Hewlett-Packard Financial Services   March 2011 - Present
Hewlett-Packard Financial Services   November 2001 - August 2009
Hewlett-Packard  November 1999 - October 2001
Hewlett-Packard  September 1994 - November 1999
Hewlett-Packard  March 1990 - September 1994
Hewlett-Packard  March 1987 - March 1990
Hewlett-Packard  March 1985 - March 1987

Skills
Business, Process Improvement, Business Process, Business Operations, Sales Operations, Management, Credit, Vendor Management, Business Process..., Risk Management, Project Management, Leadership, Accounts Receivable, Finance, Training, Financial Analysis, Forecasting, Contract Negotiation, Integration, Portfolio Management, Contract Management, Team Management, Strategy, Financial Services, Outsourcing

Education
Carleton University   1974 — 1978
Bachelor of Commerce, Economics, Finance, Accounting.

Experience
Cathedral of Faith-Milpitas   2014 - Present
Silicon Valley Bank  January 2004 - July 2014
Cathedral of Faith-Milpitas   March 2014 - 2014
Hewlett-Packard Financial Services   January 1979 - January 2002

Skills
Accounting, Finance, Cost Accounting, Microsoft Excel, Customer Service, PowerPoint, Microsoft Office, Strategic Planning, Banking, Cash Management, Loans, Credit, Commercial Banking, Commercial Lending, Credit Analysis, Nonprofits, Financial Analysis, Financial Services, Portfolio Management, Risk Management

Education
Far Eastern University   1968 — 1973
Bachelor of Commerce (B.Com.), Accounting

Experience
Dell Financial Services  March 2014 - Present
EMC  April 2013 - March 2014
Dell Financial Services  December 2004 - April 2013
Hewlett-Packard Financial Services   2001 - 2004

Education
Bentley University
Bachelor of Science (B.S.), Finance, General

Florida Institute of Technology
Master of Business Administration (MBA), Finance, General

Mountain Lakes High School

Experience
Hewlett Packard Financial Services  March 2005 - Present
Hewlett-Packard Financial Services   January 2003 - March 2005
Hewlett-Packard Financial Services   May 2000 - January 2003
Finova  1995 - 1999

Skills
Portfolio Management, Process Improvement, Financial Analysis, Business Process..., Business Analysis, Finance, Analysis, Business Planning, Change Management, Project Management, Management, Training, Forecasting, Team Management, Leadership, Contract Negotiation, Program Management, Business Process, Risk Management, Outsourcing, Vendor Management, Financial Services, Strategy, Cross-functional Team..., Business Development, CRM, Banking, Business Intelligence, Team Leadership

Education
Fairleigh Dickinson University   1990 — 1994

Experience
Hewlett-Packard Financial Services   May 2014 - Present
Verizon Wireless  January 2014 - May 2014
Verizon Wireless  October 2013 - December 2013
Verizon Wireless  September 2012 - October 2013
Law Office of Qadeer & Associates   June 2011 - June 2012
New York Golf   May 2009 - August 2009

Skills
Analysis, Research, Editing, Proofreading, Sales, Blogging, Event Planning, Facebook, Creative Writing, Social Networking

Education
Fairleigh Dickinson University   2008 — 2012
English/Lit, Research and Writing

Experience
Hewlett-Packard Financial Services   October 2012 - Present
GSI Commerce / Ebay   August 2008 - October 2012
GSI Commerce/ Ebay   November 2011 - January 2012
GSI Commerce  August 2008 - September 2011
Mainline Mobile Detailing   June 2007 - October 2009
Waterloo Gardens  May 1999 - January 2008

Skills
Dispute Resolution, Chargebacks, Fraud, Customer Service, Horticulture, Credit Cards, E-commerce, Risk Management, Microsoft Excel, Analytics, Fraud Detection, Access, Leadership, Payments, Management

Education
Saint Joseph's University   2002 — 2006
BA, Criminal Justice

Delaware County Community College   2007 — 2007
Act 120, Municipal Police Academy

Experience
Hewlett-Packard Financial Services   2002 - 2007

Skills
Account Reconciliation, Financial Accounting, Accounting, Financial Reporting, Financial Analysis, Variance Analysis, Accounts Payable

Education
Madurai Kamaraj University   2000 — 2002
Master of Finance and Control (M,F,C), Accounting and Finance

Bharathidasan University   1997 — 2000
Bachelor of Commerce (B.Com.), Accounting and Finance

Experience
Cisco Capital  May 2014 - Present
Cisco Capital  November 2011 - Present
Hewlett-Packard Financial Services   2000 - 2011
CIT Smal Business Lending   1997 - 2000
AT&T Capital  1993 - 1995
ATT Credit  1991 - 1993

Education
Fairleigh Dickinson University   2004 — 2006
MBA, Business Management

Experience
eMetric  2014 - Present
Hewlett Packard Financial Services  June 2013 - April 2014
Hewlett Packard Financial Services  October 2011 - June 2013
Hewlett Packard Financial Services  August 2007 - October 2011
Hewlett-Packard Financial Services   July 2001 - October 2007
Compaq Financial Services  October 2000 - October 2001
Adea Inc   September 2000 - October 2000
Offshore Digital Services Inc   January 1999 - March 2000
Sonata Software  February 1998 - March 2000
Genisys Software  November 1996 - January 1998

Skills
Business Process, IT Strategy, Cross-functional Team..., Business Intelligence, Product Management, Solution Architecture, ERP, Supply Chain Management, Scrum, Integration, Team Leadership, SDLC, Business Analysis, Requirements Analysis, IT Management, Product Lifecycle..., Business Process..., Product Development, Inventory Management, Requirements Gathering, Process Improvement, Analysis, Business Development, Enterprise Architecture, Data Warehousing, Team Management, Management, Software Development, Software Engineering, Microsoft SQL Server, Databases, XML, Agile Methodologies, Certified Scrum Master, C#, ASP.NET, Risk Management, Program Management, Project Portfolio..., Outsourcing, Visual Basic, Visio, E-commerce, Software Project..., Microsoft Certified..., Project Delivery, MS Project, Project Planning, Project Management

Education
Boston University   2005 — 2007
MS, CIS

Karnatak University   1991 — 1995
BE, Mechanical Engineering

Experience
Albridge, an Affiliate of Pershing  July 2012 - Present
Albridge Solutions  June 2007 - July 2012
Commerce Banc Insurance Services  May 2004 - February 2006
Hewlett-Packard Financial Services   November 2000 - November 2002
CROSSMARK  August 1999 - November 2000
Pension Benefit Guaranty Corporation  October 1993 - August 1999

Skills
SDLC, Relationship Management, Enterprise Software, Process Improvement, Data Management, Risk Management, Team Leadership, Team Building, Vendor Management, Business Development, Financial Services, Requirements Gathering, Business Intelligence, Business Analysis, Business Requirements, Strategy, Integration, CRM, Program Management, Product Management, Self- motivated with..., Exceptional..., PMO, Project Management, Software Documentation, Strategic Planning, Cross-functional Team..., Analysis, Management

Education
Brookdale Community College   2002 — 2005
Associates, English

Howard University   1988 — 1991
Liberal Arts

Experience
Siemens Medical Solutions  December 2009 - Present
Hewlett Packard Financial Services  March 2007 - October 2009
CitiCapital (Formally Copelco Capital)   February 2001 - February 2007
Copelco Capital (Purchased by CitiCapital)   1996 - 2001
D.B. International   August 1994 - January 1996
M.T.S. Health Care Service, Inc   1990 - 1993

Skills
Healthcare, Medical Devices, Medical Imaging, New Business Development, Radiology, Sales, Management, Sales Operations, Strategy, Business Development, PACS, Ultrasound, Program Management, Digital Imaging, DICOM, Healthcare Industry, Marketing, Negotiation, Cardiology, Strategic Planning, Healthcare Management, Hospitals, Vascular, Medical Equipment, MRI, Capital Equipment, Interventional Radiology, Hardware Diagnostics, Operating Room, X-ray, Sales Management, Risk Management, Asset Management

Education
Montclair State University

Bergen Community College   1971 — 1973
AAS, Radiology

Experience
The Bank of New Yok Mellon   February 2003 - Present
Hewlett-Packard Financial Services   1999 - 2003
The Walt Disney Company  1997 - 1999

Education
Baylor University School of Law
JD

Boston University School of Law
LLM Taxation

Michigan State University
BS

Experience
AlignOrg Solutions   January 2008 - Present
Hewlett Packard Financial Services  October 1998 - December 2008
Organization Leadership & Design, Inc.   April 1987 - October 1998

Education
Brigham Young University   1984 — 1986
Master of Organizational Behavior, Organizational Behavior; Marketing

Weber State University   1980 — 1983
Bachelors of Science, Psychology Major; Business Management Minor

Experience
MasTec Network Solutions  June 2014 - July 2015
Costrotta  January 2014 - June 2014
Costrotta  September 2012 - June 2014
Hewlett Packard Financial Services  January 2008 - November 2012
Hood Industries, Inc  February 2005 - January 2008
Air Technologies Inc   March 2003 - February 2005
K Mart Department Store   May 2000 - March 2003

Skills
Music, Music Production, Singing, Microsoft Office, Pro Tools, Composition, Recording, Songwriting, Photoshop, Piano, PowerPoint, Microsoft Word, Microsoft Excel, Music Theory, Guitar, Logic Pro, Social Media, Audio Engineering, Studio Recording, Sound Design, Project Management, Performing

Education
Full Sail University   2011 — 2014

Full Sail University   2011 — 2014
Bachelor of Science, Music Production (Student)

Wentworth Institute of Technology
certification, Managing Construction for the Wireless Telecommunication Industry Certification Program

Berklee School of Music   2004 — 2004

Billerica Memorial High School   1999 — 2002
HS Diploma

Experience
Research Now  September 2013 - Present
JR Language Translation Services, Inc.   June 2013 - Present
Professional German Translations   May 2013 - Present
University of Illinois at Chicago  August 2009 - May 2011
Multilingual Chicago  November 2010 - April 2011
SymphonyIRI Group  January 2008 - November 2008
SymphonyIRI Group  June 2006 - January 2008
SymphonyIRI Group  July 2004 - June 2006
Hewlett-Packard Financial Services   June 2003 - April 2004

Skills
German, Translation, Market Research, French, Business Analysis, Management, English, Team Management, Process Improvement, Microsoft Office, Analysis, Research

Education
University of Illinois at Chicago   2009 — 2011
MA, Germanic Studies

Jawaharlal Nehru Vishvavidyalaya   2001 — 2003
M.A, German Literature

University Of Pune   1998 — 2000
B.Com, Computer Application and Statistics

Experience
Hewlett-Packard Financial Services   May 2013 - Present
Hewlett-Packard Financial Services   October 2012 - Present
Hewlett Packard Financial Services  2004 - October 2012
T-Systems  1998 - 2004
IBM  1996 - 1999

Skills
IT Asset Management, Outsourcing, Key Account Management, Selling, HP, Leases, Equipment Finance, Customer Service, Market Penetration, Strategic Planning, Enterprise Solution..., Workshop Facilitation, Executive Facilitation, Finance, Negotiation, Vendor Management, Direct Sales, Training, Cloud Computing, Channel Partners, Business Strategy, Solution Selling, Sales, Strategy, Account Management, Contract Negotiation, New Business Development, SaaS, Managed Services, Professional Services, IT Outsourcing, Sales Operations, Management, Budgets, Business Development, Consulting, CRM, Business Alliances, Business Process..., Leadership, Sales Process, Partner Management, Strategic Partnerships, Enterprise Software, Product Management, B2B, Telecommunications, Pricing, Lead Generation, Salesforce.com

Education
College of the Holy Cross   1986 — 1990
BA, History

Cheverus High School, Portland Maine   1982 — 1986

Experience
Accenture  June 2014 - Present
Hewlett-Packard Financial Services   July 2011 - June 2014
Hewlett-Packard Financial Services   May 2012 - September 2012
Applied Reseach Laboratories   October 2010 - March 2011
Applied Materials (Contract Employee)   July 2010 - October 2010
Applied Materials  January 2002 - January 2010
Applied Materials  December 1999 - January 2002
Applied Materials  August 1997 - December 1999
Applied Materials (Contract Employee)   January 1997 - August 1997

Skills
Microsoft SQL Server, SQL, Visual Studio, Visual Basic, MySQL, Solaris, PL/SQL, Windows, Business Objects, PHP, HTML, CSS, Red Hat Linux, Lotus Notes, Microsoft Office, IBI Webfocus, SAP R/3, SAP Variant..., OLAP, JavaScript, Human Computer..., Ubuntu, Testing, Software Development, ERP, SAP, Integration, Process Engineering, SDLC, Data Warehousing, Business Intelligence, Business Analysis, Web Applications, Quality Assurance, Troubleshooting, ETL, Oracle, Databases, Agile Methodologies, XML, Software Project..., Software Engineering, Requirements Analysis, Web Services, Perl, UML, C#, Scrum, .NET, ASP.NET

Education
St. Edward's University   2008 — 2010
Bachelor of Science (B.S.), Computer Science

Austin Community College   2000 — 2002
A.S, Computer Science

The University of Texas at Austin
Computer Science / Mechanical Engineering

Experience
KeyBank  September 2013 - Present
Key Equipment Finance Inc., an affiliate of KeyCorp ( NYSE:KEY )   October 2007 - September 2013
American Express Business Finance  2005 - 2007
Hewlett-Packard Financial Services   2004 - 2005
Compaq Financial Services  1999 - 2004
American Express Equipment Finance   1997 - 1999
AT&T Capital  1996 - 1997
AT&T Credit Corporation  1994 - 1996
AT&T Credit Corporation  1989 - 1994
Matheson Tri-Gas  1982 - 1989

Skills
Lean Six Sigma, MiniTab Software, Problem..., SIPOCs, Process Mapping, Translating Voice of..., Defect Identification, KPOV / KPIV, MSAs, Control Charts, Process Capability &..., Hypothesis Testing, Graphs - Pareto, Box,..., Distributions -..., Cause & Effect/Root..., Solution Generation/..., Implementation Plans, Control Plans, Lean tools, Change Control, Change Management, Communication Plans, Cost Control, HP EPPIC Software, Estimation & Budgeting, Execution Schedule..., Gantt charts, Issue management, Managing Project Teams, Microsoft Project, Milestones/Timeline..., Piloting, Executive Management..., Project Charters, Project Plans, Successful Project..., RACI Matrix, Resource Planning, Risk Analysis &..., Scope Control, Scoping / Problem..., SOWs, System Requirements -..., UAT / Quality Testing, SharePoint, Risk Management, SigmaXL Software, Voice of the Customer..., Awareness Desire..., Salesforce.com...

Education
Fairleigh Dickinson University   1982 — 1990
Associates, Accounting

Experience
JPMorgan Chase  May 2014 - Present
J.P. Morgan   August 2010 - April 2014
J.P. Morgan   October 2004 - July 2010
Hewlett-Packard Financial Services   February 2003 - October 2004

Skills
Derivatives, Investment Banking, Financial Markets, Equities, Banking, Finance, Financial Analysis, Analysis, Risk Management, MS Access, Business Objects, Cognos, Microsoft Excel, Trading, Basel II, Options, Product Control, Commodity, Credit Risk, Financial Accounting, MIS, Asset Management, Investments, FX Options

Education
Jamnalal Bajaj Institute of Management Studies   2006 — 2009
Economics, Finance, 2nd Rank holder

Jai Hind College   1996 — 2001
Bachelor of Commerce (B.Com.), Accounting and Finance, Distinction

St Sebastian Goan High School   1995 — 1995
Distinction

Experience
Fulton Financial Corporation  October 2012 - Present
Citizens Republic Bancorp  January 2004 - November 2012
Hewlett Packard Financial Services  June 1999 - January 2004
Vermont National Bank  June 1995 - June 1999
Vermont National Bank  June 1994 - June 1995
Vermont National Bank  June 1992 - June 1994
Mellon Bank NA  June 1987 - June 1992
Mellon Bank NA  June 1977 - June 1987

Skills
Credit, Risk Management, Credit Risk, Portfolio Management, Commercial Banking, Management, Process Improvement, Commercial Lending, Banking, Credit Analysis, Loans, Retail Banking, Lines Of Credit, Small Business Lending, Financial Risk, Consumer Lending

Education
University of Pittsburgh - Joseph M. Katz Graduate School of Business   1980 — 1983
MBA, Finance & Accounting

Allegheny College   1973 — 1977
BS, Economics, Finance & Accounting

Experience
DLL  January 2005 - Present
Hewlett-Packard Financial Services   2003 - 2005
ORIX Financial Services  2001 - 2003
HSBC Business Credit   1991 - 2001
Westingouse Credit Corporation   1986 - 1989

Skills
Credit Analysis, Asset Based Lending, Credit Risk, Credit, Banking, Commercial Lending, Loans, Structured Finance, Portfolio Management, Financial Analysis, Underwriting, Enterprise Risk..., Commercial Finance, Strategic Financial..., Commercial Banking, Corporate Finance, Finance, Basel II, Investment Banking, Mergers & Acquisitions, Lines Of Credit, Syndications, Executive Management, Asset Managment, Financial Services, Relationship Management, Financial Risk, Loan Origination, Financial Modeling, Cash Management, Small Business Lending, Project Finance, Valuation, Trade Finance, Risk Management, Operational Risk..., Factoring, ABS, Restructuring, Funding, Credit Scoring, Due Diligence, Operational Risk, Financial Structuring, Debt Restructuring, Investments, Treasury Management, Capital Markets

Education
Drexel University - LeBow College of Business   1987 — 1990
MBA, Marketing and Finance

Bloomsburg University of Pennsylvania   1980 — 1984
BSBA, Finance

Experience
McGraw Hill Financial  July 2014 - Present
McGraw Hill Financial  July 2010 - Present
McGraw-Hill Higher Education  October 2007 - June 2010
Alcatel-Lucent  July 2003 - July 2005
Hewlett-Packard Financial Services   October 2002 - July 2003
ITI Ltd,India   November 2000 - October 2002

Skills
TOGAF 9 Certified..., Enterprise Architecture, Agile Methodologies, SDLC, Requirements Analysis, Software Project..., Scrum

Education
Birla Institute of Technology   2003 — 2005
MS

Malnad Collage of Engineering   1997 — 2000
BE

Experience
Hewlett-Packard Financial Services   March 2014 - Present
PSEG  June 2012 - January 2014
Hewlett Packard Enterprise Services  May 2010 - May 2012
Universal Music Group  May 2009 - May 2010
Universal Music Group  December 2001 - April 2009

Skills
SDLC, Agile Methodologies, Enterprise Architecture, SOA, Integration, Microsoft SQL Server, IT Management, Software Project..., .NET, Business Analysis, PMP, Requirements Analysis, Project Management, Program Management, Web Services, C#, Solution Architecture, IT Strategy, Data Center, Architectures, TFS, Workflow Applications, Microsoft Dynamics AX, Scrum

Education
Anna University
BS, Chemical Engineering

Indian Institute of Technology, Bombay
MS, Corr Sc & Engg

Experience
Assurant Specialty Property  May 2014 - Present
City of New York - Financial Information Services Agency   May 2008 - May 2014
Silva Construction & Demolition, Inc.   April 2006 - May 2008
Hewlett Packard Financial Services  August 2000 - April 2006
CallNOW.com   August 1999 - August 2000
W.L.Landau's Ethan Allen   August 1994 - September 1998

Skills
Process Improvement, Program Management, MS Project, Training, PMO, SQL, Team Building, Customer Service, Finance, Business Analysis, PowerPoint, Vendor Management, Business Process..., Change Management, Management, Microsoft Project, Project Planning, SharePoint, Software Documentation, Project Management

Education
Villanova University   2008 — 2008
Master Certificate, Project Management

Berkeley College-New York   2003 — 2005
Bachelor of Business Administration (B.B.A.), Management Information Systems, General

The Chubb Institute   1998 — 1999
Certificate, Computer Programming

Berkeley College   1994 — 1999
AAS, Business Administration - Management

Experience
Hewlett-Packard  March 2015 - Present
Hewlett-Packard  October 2014 - Present
Hewlett-Packard Financial Services   August 2013 - December 2014
HP Enterprise Services  January 2010 - August 2013
Geek Squad  March 2007 - January 2010
Geek Squad  November 2004 - March 2007
Geek Squad  June 2001 - November 2004

Skills
Service Delivery, Technical Support, Servers, IT Outsourcing, Windows Server, VMware, Unix, Windows 7, Help Desk Support, A+ Certified, Microsoft Exchange, Hardware, Windows Vista, Laptops, Computer Hardware, Windows XP, Incident Management, XP, Active Directory, Network Security, Disaster Recovery, Data Center, Consulting, Windows 8, Linux, Infrastructure..., Network Infrastructure, Technology Change..., Client Expectations..., Client Relations, Production Management, Maintenance Management, Computer Maintenance, Computer Proficiency, Computer Repair, Cloud Computing, Private Cloud, Backup Solutions, Management, Delivery Manager, Desk Side Manager

Education
Northern Arizona University   2012 — 2014
Bachelor of Applied Science (BASc), Information Technology Management, 3.5

Chandler/Gilbert Community College   2007 — 2012
Associate of Arts and Sciences (AAS), Information Technology

Chandler/Gilbert Community College   2007 — 2011
Associate of Arts and Sciences (AAS), Cisco Networking Technology

Chandler/Gilbert Community College   2007 — 2011
Certificate of Learning, Cisco Networking Technology

Experience
Performance Advantage Systems   January 1986 - Present
Hewlett-Packard Financial Services   January 2001 - January 2003
Chase  1990 - 1991
Chase  1990 - 1991

Skills
Executive Coaching, Emotional Intelligence, 360 Feedback, Individual Assessment

Education
Columbia University in the City of New York   1976 — 1978
M.A., Psychology

Experience
Hewlett-Packard Financial Services   May 2015 - Present
Hewlett Packard  July 2003 - Present
HP Enterprise Services  June 2000 - Present

Skills
Documentation, Research, Reconciliations, Accounts Receivable, Accounts Payable, Reconciliation, Balance, Accounting, Billing, Invoicing, Tax, Financial Reporting, Outlook, Excel, Cash, Payments, Process Improvement, Credit, Business Objects, Word, Cash Management, PowerPoint, Account Reconciliation, Microsoft Excel, Business Process, Software Documentation, Business Analysis, Management, Customer Service, Data Analysis, Administrative..., Leadership, Visio, Microsoft Office 2007, Microsoft Word, Microsoft Office

Education
Ivy Tech. College   2012 — 2014
a degree, Paralegal

Harrison College   2009 — 2011
Associate in Applied Science, Criminal Justice

Harrison College   2009 — 2011
Associate of Arts and Sciences (AAS), Criminal Justice/Law Enforcement Administration

Harrison College-Indianapolis   2009 — 2011
AA, Criminal Justice

Experience
Silicon Valley Bank  January 2004 - July 2014
Cathedral of Faith Milpitas   March 2014 - 2014
Hewlett-Packard Financial Services   January 1979 - January 2002

Skills
Financial Analysis, Banking, Cost Accounting and...

Education
Far Eastern University   1969 — 1973
Bachelors Degree, Accounting

Experience
Independent  January 2007 - Present
Radiant Global  April 2007 - April 2007
Infosys Technologies Ltd.  2005 - 2007
ABB b.v.   2005 - 2007
Infosys Technologies  2005 - 2007
Infosys  2005 - 2007
Covansys  December 2004 - July 2005
Siemens Information Systems Ltd  May 2004 - December 2004
Hewlett-Packard Financial Services   May 2002 - May 2004

Skills
Projects, New GL, Mergers, Tax, Product Costing, SAP R/3, SAP, ABAP, Revenue Recognition, ERP, SAP ERP, SD, Pre-sales, Data Warehousing, Mergers & Acquisitions, Materials Management, Business Intelligence, Business Analysis, CRM, Treasury, SAP FI, SDLC, IDOC, SAP FICO, CO-PA, SAP SD, IDoc

Education
CPA   2010 — 2010

Bangalore University   1999 — 2002
MCA, MCA

Kendriya Vidyalaya   1984 — 1994
High school

Project Management Institute (PMP)
PMP, PMP

Experience
General Dynamics  March 2015 - Present
General Dynamics Corporation  March 2009 - March 2015
General Dynamics  February 2006 - March 2009
Hewlett Packard Financial Services  July 2000 - January 2006
UBA Group  May 1998 - June 2000
Citi  May 1995 - September 1997
UBA Group  January 1991 - May 1995

Education
Columbia University - Columbia Business School   2011 — 2012
MBA, Business Administration

Xavier University of Louisiana   1986 — 1990
BSC, Business Administration

Experience
CoreTech Leasing, Inc.   July 2015 - Present
Banc of California  March 2015 - July 2015
Hewlett-Packard Financial Services   March 2012 - February 2015
Insight Investments  May 2009 - March 2012
TIP Capital, a Crestmark Bank Company   2007 - May 2009
Wells Fargo Technology Finance   February 2007 - April 2008
CIT  March 2005 - February 2007
First American Equipment Finance  July 1999 - March 2005

Skills
Contract Negotiations, Solution Selling, Consultative Selling, Pricing, Sales Management, Direct Sales, Account Management, Negotiation, Business Development, Strategic Planning, Sales, Sales Presentations, Cold Calling, Finance, Team Building, Sales Operations, Relationship Management, Strategic Partnerships, Budgets, Business Strategy, Forecasting, B2B, Marketing Strategy, Competitive Analysis, Salesforce.com, Selling, Marketing, Contract Negotiation, Training, Start-ups, CRM, Management, Leadership, Strategy, Sales Process, Financial Analysis, Vendor Management

Education
California Polytechnic State University-San Luis Obispo   1993 — 1998
BS

California Polytechnic State University-San Luis Obispo

Experience
Hewlett-Packard Financial Services   December 2012 - Present
Wells Fargo  April 2012 - December 2012
Syndicated Solar, Inc.   January 2012 - April 2012
Flagship Credit Services, LLC   April 2010 - January 2012
CIT Technology Finance, Inc. / CIT Group, Inc   January 2006 - January 2012
Wells Fargo Financial Leasing 2004-2006   2004 - 2006
Sun Microsystems Finance   2002 - 2004
HP Financial Services  January 1998 - January 2002
Pioneer-Standard Electronics  January 1996 - January 1998
Digital Financial Services   January 1986 - January 1996

Skills
New Business Development, Sales Management, Financial Analysis, Sales, Management, Account Management, Finance, Sales Operations, Enterprise Software, Channel Partners, Portfolio Management, Business Development, Analysis

Education
Cardinal Stritch University
Master of Science, Management

Cardinal Stritch College
Bachelor of Science, Management

Experience
Bank of America Merrill Lynch  October 2011 - Present
Barclays Capital  August 2010 - October 2011
Citigroup  October 2009 - October 2010
Hewlett-Packard Financial Services   January 2009 - July 2010
Ernst & Young  March 2005 - January 2009
Perot Systems Corporation  July 1998 - July 2004
HCL Perot Systems  1998 - 2002

Skills
SDLC, Software Project..., Business Analysis, SOA, IT Strategy, Requirements Analysis, Agile Methodologies, ASP.NET, Microsoft SQL Server, Solution Architecture, Oracle, Web Services, .NET, Enterprise Architecture, Software Development, Business Intelligence

Education
Punjab Engineering College   1994 — 1998
Bachelor of Engineering (B.Eng.), Electronics and Electrical Communications

Apeejay School   1992 — 1994
High School, Science, Maths, English

St. Joseph's Convent   1980 — 1992

Experience
GE Healthcare  May 2010 - Present
GE Healthcare  January 2008 - May 2010
GE Healthcare  January 2005 - December 2007
Hewlett-Packard Financial Services   April 2002 - January 2005
Digital Financial Services   1997 - 1999

Skills
Sales Operations, Capital Equipment, Selling, Healthcare Information..., Business Development, Market Development, Product Launch, Competitive Analysis, Account Management, Process Improvement, Cross-functional Team..., Hospitals, Sales Management, Healthcare, Strategy, Medical Devices, Leadership, New Business Development, Sales Process, CRM, Strategic Planning, Salesforce.com, P&L Management, Sales, Product Marketing, Product Management, Contract Negotiation, Solution Selling

Education
Clemson University   1989 — 1993
BS, Marketing

Middleborough High School   1985 — 1989
High School

Experience
Ryder System, Inc.   April 2015 - Present
The Coca-Cola Company  February 2009 - March 2015
AssuranceAmerica  June 2007 - February 2009
Connecticut Bank & Trust  January 2007 - March 2007
Hewlett-Packard Financial Services   February 2005 - November 2006

Skills
Certified Treasury..., Treasury, Financial Analysis, Cash Management, Treasury Management, Treasury Services, Microsoft Excel, Sarbanes-Oxley Act, Working Capital..., Forecasting, Accounting, Capital Markets, Foreign Exchange, FX Hedging, Interest Rate Hedging, Interest Rate..., Hedge Accounting, Bloomberg Terminal, SAP, Outlook

Education
Uniwersytet Warmińsko-Mazurski w Olsztynie   1997 — 2002
Master

Experience
Open Solutions IA Systems   2006 - June 2009
Open Solutions  2006 - 2009
Hewlett-Packard Financial Services   1984 - 2003
HP Financial Services  1984 - 2003
Reynolds & Reynolds Corporation   1974 - 1981

Education
Ramapo College of New Jersey   1973 — 1974
BA w/Honors

Fairleigh Dickinson University   1972 — 1973

Grove City College   1970 — 1972

Experience
Parallon Workforce Solutions  January 2015 - Present
IQNavigator, Inc.   March 2008 - December 2014
IQNavigator  August 2007 - February 2008
IQNavigator  April 2006 - August 2007
Hewlett-Packard Financial Services   2002 - 2005
Hewlett-Packard Financial Services   2000 - 2002

Skills
SDLC, Vendor Management, Program Management, Change Management, SaaS, Business Process..., Team Leadership, SQL, Enterprise Software, Business Analysis, Project Management, Process Improvement, Professional Services, Consulting, Business Intelligence, Software Project..., Agile Methodologies, Outsourcing, Integration, Cloud Computing

Education
Gonzaga University School of Law
Doctor of Law (JD)

University of Michigan
Bachelor of Arts (BA), Political Science and Government

Experience
Monosol Rx, LLC  May 2012 - Present
Oce Business Services  November 2011 - April 2012
JJH Consulting   January 2011 - November 2011
Hewlett-Packard  November 2008 - January 2011
Hewlett-Packard Financial Services   August 2000 - November 2008
CIT  1992 - 2000
Willis Corroon Group   1990 - 1992
Continental Insurance  1986 - 1990
Chemical Bank  1980 - 1986

Skills
Executive Compensation, Talent Acquisition, Organizational..., Talent Management, Strategy, Personnel Management, Executive Pay, Human Resources, Deferred Compensation, Mergers & Acquisitions

Education
Dickinson College
BA, Political Science

Monmouth University
MBA, Management

New York Law School
JD, Law

Experience
Cisco  August 2013 - Present
Symantec  2011 - August 2013
KPMG  2008 - 2011
Accenture  2005 - 2008
Hewlett-Packard  2001 - 2004
Hewlett-Packard Financial Services   1998 - 2001

Education
Cornell University   1995 — 1997
MBA, Finance

Experience
Broadridge  November 2006 - Present
ADP Credit Corp   October 2005 - June 2007
Hewlett-Packard Financial Services   April 1998 - September 2005
GE Capital  January 1997 - September 1998

Education
Fairleigh Dickinson University

Experience
Hewlett-Packard  August 2007 - Present
Hewlett-Packard Financial Services   September 1999 - August 2007
Wilentz, Goldman & Spitzer   November 1997 - September 1999

Skills
Corporate Governance, Negotiation, Corporate Law, Due Diligence, Risk Management, Licensing, Corporate Finance, Intellectual Property, Contract Negotiation, Financial Services, Banking, Litigation, Legal Research, Mergers

Education
Cornell Law School   1987 — 1990
Doctor of Law (JD), Finance and Law and Public Policy

Syracuse University - Martin J. Whitman School of Management   1983 — 1987
Bachelor of Science (BS), Finance and Law and Public Policy

Experience
The Tauri Group  October 2006 - Present
TrustedElement   May 2013 - May 2015
Hewlett-Packard  2005 - 2006
Hewlett-Packard Financial Services   2001 - 2005
Space Foundation  1997 - 2000

Skills
Program Management, Strategy, Integration, SDLC, Leadership, Analysis, Management, Vendor Management, Project Planning, Training, Business Process, Strategic Planning, Budgets, Recruiting, Testing, PMO, Event Management, Enterprise Architecture, Governance, Government, Security Clearance, Business Process..., Business Analysis

Education
Colorado Technical University   2000 — 2001
MA, Information Technology Management

Texas A&M University   1991 — 1995
BA, Economic, Political Science

Experience
Hewlett-Packard Financial Services   April 2001 - Present
HP  2001 - Present

Skills
Customer Service, Call Center, Vendor Management, Account Management, Team Leadership, Computer Hardware, Microsoft Excel

Education
Albany State University
Associate's degree, Sociology

Experience
Hewlett-Packard Company  October 2014 - Present
Hewlett-Packard Financial Services   December 2006 - Present
Hewlett-Packard Financial Services   February 2001 - December 2006
Cleary Gottlieb Steen & Hamilton LLP  September 1996 - December 2000

Skills
Corporate Law, Corporate Governance, International Law, Legal Advice, Contract Negotiation, Legal Compliance, Risk Management, Hedge Funds, Derivatives, Investments, Corporate Finance, Securities, Structured Finance, Management, Asset Management, Latin America, Legal Research, Negotiation, Mergers & Acquisitions

Education
Cornell Law School   1993 — 1996
JD

University of Amsterdam
Masters in European Law and Economics

Experience
Johnson & Johnson  March 2015 - Present
Hewlett-Packard  March 2011 - January 2015
Canon Financial Services, Inc.   July 2010 - April 2011
The Learning Center for Exceptional Children, Inc.   October 2008 - July 2010
Citigroup  2003 - August 2008
Hewlett-Packard Financial Services   1998 - January 2003

Skills
Negotiation, Document Drafting, Technology Services, Syndications, Equipment Leasing, Risk Management, Management, Banking, Credit, Mergers, Finance, Financial Risk, Commercial Lending, Structured Finance, Capital Markets, Portfolio Management, Due Diligence, Loans, Financial Services, Mergers & Acquisitions

Education
Georgetown University Law Center   1983 — 1986
Juris Doctor, Law

Colgate University   1978 — 1982
Bachelor of Arts, Political Science, Economics

American School of Milan - High School   1975 — 1978
High School

Experience
ServicePower  July 2012 - August 2013
Urban Investment Partners  December 2009 - March 2011
IT Company  February 2009 - December 2009
Symphony Services  February 2007 - March 2008
Capco  February 2007 - March 2008
Accenture  2004 - 2007
Oracle  2003 - 2004
Hewlett-Packard Financial Services   2002 - 2003

Skills
Forecasting, Treasury, Accounts Payable, Accounts Receivable, Budgets, Management, Revenue Analysis, Performance Reviews, T&E, Account Reconciliation, Financial Statements, Balance Sheet, Credit, Variance Analysis, Consolidation, Treasury Management, PeopleSoft, Payroll, Finance, Auditing, Internal Controls, Analysis, Internal Audit

Education
Symbiosis Institute of Business Management   2003 — 2005
MBA, Finance

Bangalore University   2000 — 2002
Master of Commerce, Accounting, Finance

Bangalore University   1997 — 2000
Bachelor of Commerce, Accounting, Finance

Experience
Hewlett-Packard Financial Services   April 2010 - Present
Hyperion Brookfield Asset Management  May 2007 - March 2009
Bear Stearns Asset Management  May 2000 - December 2005
JP Morgan  April 1997 - March 2000
Standard & Poor's   February 1990 - March 1997

Skills
Investments, Credit, Credit Risk, Finance, Insurance, Fixed Income, Capital Markets, Asset Managment, Financial Modeling, Equities, Bloomberg, Trading, Banking, Portfolio Management, Bonds, Credit Analysis, Asset Management

Education
Fordham Gabelli School of Business
MBA, Finance

Shippensburg University of Pennsylvania
B.S. in Business Administration, Business - Marketing

Experience
Hewlett-Packard Financial Services   June 2010 - Present
Netxert   September 2005 - February 2012
HP Financial Services  February 2009 - January 2010
Insurance Auto Auctions  September 2008 - January 2009
Indusa Infotech   2003 - 2005

Skills
AJAX, ASP.NET, Agile Methodologies, ADO.NET, C#, .NET, SDLC, SOA, Software Project..., Requirements Analysis, XML, Microsoft SQL Server, WCF, Web Services, LINQ, Oracle

Education
Bangalore University   1998 — 2001
MCA, Computer Applications

Experience
Cardinal Health  February 2015 - Present
Wipro Technologies  April 2013 - Present
7-Eleven  April 2013 - April 2014
Infosys  September 2008 - April 2013
Genpact India  September 2006 - September 2008
Oracle Corporation  January 2006 - September 2006
Hewlett-Packard Financial Services   2004 - 2005

Skills
Oracle Financials R12..., Oracle E-Business Suite, Oracle, ERP, Business Process, General Ledger, PL/SQL, Financials, Requirements Gathering, User Acceptance Testing, Oracle Applications, Oracle R12 Financials, Business Analysis, Oracle Financials, Requirements Analysis, SDLC

Education
Institute of Cost and Works Accountants of India - ICWAI   1998 — 2003
ICWA, Costing & Accounting

Acharya Nagarjuna University   2000 — 2002
Master of Commerce, Accounting and Finance

Experience
Macquarie Equipment Finance  February 2013 - Present
Hewlett-Packard Financial Services   January 2003 - October 2012
AT&T Capital  2004 - 2009
GE Capital  January 2000 - December 2002
First Fidelity Bank  1992 - 1993
Citicorp  January 1987 - December 1990

Skills
Finance, Banking, Management, Portfolio Management, Solution Selling, Selling, New Business Development, Credit, Relationship Management, Business Development, Account Management, Financial Services, Risk Management, Forecasting, Direct Sales, Financial Analysis, Channel Partners, CRM, Sales Management, Leadership, Pricing, Negotiation, Credit Risk, Sales Process, Cash Management, Business Analysis, Salesforce.com, Contract Negotiation, Business Process..., Business Strategy, Asset Management, Vendor Management, Process Improvement, Sales, Strategy, Business Planning

Education
University of Mississippi - School of Business Administration   1981 — 1983
BBA, Marketing/Marketing Management, General

CEGEP - John Abbott College   1978 — 1979
Commerce, Accounting and Finance

Experience
HPFS   1999 - Present
Hewlett-Packard Financial Services   1999 - Present

Education
City University of New York-Brooklyn College   1981 — 1987
BS, Psychology

Experience
ESmall Web Hosting   January 2014 - Present
Evelyn's Irises   June 2008 - Present
Hewlett-Packard Financial Services   June 1999 - October 2005

Skills
Banners, Stationery, Image Manipulation, Letterhead, Photoshop, Catalogs, Iris Identification and...

Education
De Anza College
IT Management and Computer Application

Lancaster Beauty School
Cosmetologist License

Experience
HP Enterprise Security Services  January 2013 - Present
Hewlett-Packard Financial Services   May 2007 - Present
Sanmina-SCI  September 2004 - May 2007
Trend Technologies, Inc.   February 2002 - June 2004
Solectron Inc  November 1998 - October 2001

Skills
Cross-functional Team..., Process Improvement, Six Sigma, Supply Chain Management, Supply Chain, SAP, Management, Program Management, Leadership, Lean Manufacturing, Product Development, MRP

Education
California State University Stanislaus   1993 — 1997
B.A. Degree, Business Adminstrative

Ohlone College   1991 — 1993
A. A. Degree, Business Adminstrative

Ohlone College   1990 — 1993
A.A Degree, Business Administration and Management, General

California State University
Business Administration Degree, Business Administration and Management, General

Experience
Hewlett-Packard  August 2015 - Present
Hewlett-Packard Financial Services   January 2014 - Present
Hewlett Packard (Employee Purchase Program)   October 2013 - Present
Hewlett-Packard  September 2010 - Present
HP  2000 - Present
Hewlett-Packard  January 2007 - January 2014
Agilent Technologies  1997 - 2000

Skills
Program Management, Change Management, Strategic Planning, Business Analysis, PMP, IT Strategy, Integration, PMO, Strategy, Project Portfolio..., Vendor Management, Outsourcing, Business Process, Business Process..., Project Planning, Project Management

Education
Colorado Technical University   2000 — 2002
MS, Management/Project Management

Colorado Technical University   1993 — 1997
BS, Computer Engineering

Experience
Northrop Grumman Corporation  December 2013 - Present
Hewlett-Packard Financial Services   February 2012 - July 2013

Skills
Windows Server, Active Directory, VMware, Data Center, Servers, SharePoint, Integration, IIS, Operating Systems, Troubleshooting, Citrix, System Administration, Infrastructure, Switches, Technical Support, Testing

Education
University of St. Thomas (TX)   2005 — 2005
Master of Liberal Arts, Communication and Media Studies

Houston Community College   1998 — 1998
Biology/Biological Sciences, General

The University of Texas at San Antonio   1986 — 1988
BS, Computer Science

Experience
Kafoury, Armstrong & Co.   November 2007 - July 2012
Microsoft  November 2002 - November 2004
dell financial services  1998 - 2001
AT&T Capital/Newcourt/CIT   1996 - 1998
Hewlett-Packard Financial Services   1989 - 1996
Hewlett-Packard  1989 - 1996

Skills
Financial Accounting, Auditing, Internal Controls, Financial Analysis, Tax, Tax Preparation, GAAP, Financial Statements, Budgets, Microsoft Excel, CPA, General Ledger, Corporate Tax, QuickBooks, Microsoft Office, Solution Selling, Finance, Professional Services, Financial Reporting, Accounting, Sarbanes-Oxley Act

Education
Indiana University Bloomington   1974 — 1980
Master of Business Administration (MBA), Finance, General

Experience
Realogy Corporation  April 2010 - February 2011
Mercedes-Benz USA, LLC  February 2005 - October 2009
Mercedes-Benz USA, LLC  February 2005 - September 2006
Hewlett-Packard Financial Services   November 2002 - November 2003
AT&T Solutions  1992 - 2000

Skills
Instructional Design, Project Management, Leadership Development, Training, Instructor-led Training, Learning Management..., Leadership, Organizational..., Talent Management, Training Delivery, Process Improvement, Change Management, Coaching, Marketing, Onboarding, Management, Staff Development, Team Building

Education
Caldwell College   1999 — 2003
Business Administration

Experience
BMW Financial Services  August 2015 - Present
BMW Financial Services  March 2014 - Present
Fast Switch  June 2010 - August 2015
State Auto Insurance  2008 - 2013
JPMorgan Chase  2007 - 2008
The Timken Company  2003 - 2004
Hewlett-Packard Financial Services   2001 - 2003

Skills
Project Planning, Project Managers, PMBOK, Experienced Business..., Project Scope..., Gap Analysis, Financial Analysis, Scope Planning, Use Case Analysis, WBS, Risk Management, Planning Budgeting &..., MS Project, Six Sigma, Wireframes, SharePoint, JAD, Functional Testing, Functional Analysis, Functional Requirements, Data Analysis, Project Management, Testing, Business Process, Microsoft Project

Education
Franklin University   2010 — 2011
Master of Business Administration (MBA), Business/Commerce, General

Bangalore University   1998 — 2001
Bachelor of Commerce (B.Com.), Finance, General

Experience
BAE Systems  July 2012 - Present
BAE SYSTEMS  April 2007 - July 2012
BAE SYSTEMS  July 2005 - April 2007
NH CITIZENS ALLIANCE   March 2004 - July 2005
HEWLETT PACKARD FINANCIAL SERVICES  November 2002 - March 2004
WILLIAMS-DICKIE   December 2000 - September 2001
NCR CORPORATION  July 1999 - April 2000
DIGITAL EQUIPMENT CORPORATION  April 1987 - December 1998

Skills
Government Contracting, ITAR, DoD, Defense, FAR, Earned Value Management, Aerospace, Security Clearance, Defense Contracting, Military, Team Building, Process Improvement, Proposal Support, Strong People Skills...., Government Procurement, Proposal Writing, Air Force, Program Management

Education
Rivier College   1992 — 1996
Master of Business Administration (MBA), Business Administration, Management and Operations

Bentley College - Elkin B. McCallum Graduate School of Business   1981 — 1985
BS, Business Administration and Management, General

Immaculate High School   1981 — 1985
GENERAL EDUCATION DEGREE, N/A

Experience
ADP, Inc.   September 2005 - Present
Hewlett-Packard Financial Services   May 1989 - March 2000

Education
Bernard Baruch College, CUNY   1970 — 1972
MBA, Finance and Investments

College of Saint Elizabeth   1964 — 1968
BS, Business Administration

Experience
JWSD   2013 - Present
Kellies Kandies Cookies   2009 - 2013
Hewlett-Packard Financial Services   1997 - 2006

Education
Portobello College and University of Glamorgan   1993 — 1996
Bachelor of Arts (BA), Business and Finance

Institute of Technology, Carlow