Santander Bank, N.A.
Industry: Retail banking company
DescriptionSantander Bank, N. A., formerly Sovereign Bank, is a wholly owned subsidiary of Spanish Santander Group. It is based in Boston and its principal market is the northeastern United States. Parent organization: Santander Group Headquarters: Boston, Massachusetts, United States CEO: Scott Powell (30 Jul 2015–) Number of employees: 9,800 (2017) Founded: 1902 Subsidiaries: INDEPENDENCE COMMUNITY BANK CORP,
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Santander Bank, N.A. Employees
Santander Bank, N.A. September 2014 - Present
Investors Capital December 2013 - September 2014
Santander Bank, N.A. July 2012 - December 2013
Skills
Banking, Retail Banking, Private Banking, Branch Banking, Branch Operation, Sales Operations, Sales, Customer Service, Customer Retention, Customer Experience, Customer Acquisition, Loans, Finance, CRM, Customer Satisfaction
Education
Harvard University 2009 — 2009
Boston University
Master of Science (MS), MS in Administrative Studies, Concentration in Financial Economics
Santander Bank, N.A. 2007 - 2009
Itaú Unibanco 2007 - 2009
Ecosorb 2003 - 2005
Skills
Forecasting, Strategy, Banking, Analysis, Business Planning, Finance, Financial Analysis, Strategic Planning, Financial Planning
Education
Tecnológico de Monterrey 2011 — 2012
Master's Degree, Finance, General
The London School of Economics and Political Science (LSE) 2005 — 2005
Summer Course, Managerial Accounting and Financial Control
Ibmec 2000 — 2003
Bachelor's Degree, Business Administration and Management, General
Santander Bank, N.A. December 2014 - Present
Santander Bank, N.A. July 2013 - December 2014
Bank of America November 2012 - July 2013
Bank of America August 2010 - November 2012
Skills
Banking, Consumer Lending, Credit, Loans, Retail Banking, Strategic Leadership, Business Analysis, Lines Of Credit, Cross Selling, Management, Commercial Lending, Leadership, Relationship Management, Branch Management, Credit Analysis, Small Business Lending
Education
Gordon College
Santander Bank, N.A. December 2013 - Present
DataQuest September 2013 - Present
Santander Bank, N.A. December 2013 - February 2015
Neiman Marcus February 2006 - December 2013
Family Eye Doctors July 2003 - January 2006
Cambridge Eye Doctors December 2001 - June 2003
Skills
Fluent in Russian, Wicklander-Zulawski..., Interrogation, Internal Investigations, Asset Protection, Fraud, Surveillance, Fraud Investigations, Courts, CCTV, Interviewing, Compliance, Interviews, Fraud Detection, Investigation, Organized Retail Crime, Risk Management, Internal Audit, Security Management, Auditing, Sarbanes-Oxley Act, Shrinkage, Analysis, Risk Assessment, Wicklander-Zulawski..., Internal Controls, Data Analysis, Policy, Background Checks, Inventory Control, Strategy, Corporate Security, Exception Based..., Criminal Justice, Financial Risk, AML, Bank Secrecy Act, Training, Private Investigations, Physical Security, Loss Prevention, Enforcement, Employee Training, Crisis Management, Security Operations, Interrogation Techniques, Protection, Cash Management, Certified Fraud Examiner, P&L
Education
Harvard Extension School 2015 — 2018
Master's degree, Finance and Financial Management Services
Northeastern University 2001 — 2006
BS, Criminal Justice and Business
Santander Bank, N.A. April 2015 - Present
The High Start Group January 2014 - April 2015
Merkle January 2013 - January 2014
Mullen Communications February 1994 - December 2012
Skills
Integrated Marketing, Digital Strategy, CRM, Marketing Strategy, Marketing Communications, Advertising, Interactive Marketing, Direct Mail, Brand Development, Marketing, Mobile Marketing, Account Management, Analytics, Direct Marketing, Relationship Marketing, Brand Architecture, Strategy, Social Media, Direct Response, Email Marketing, Brand Management, Marketing Management, Media Planning, Corporate Branding, Digital Media, Multi-channel Marketing, Segmentation, Customer Insight, Lead Generation, Big Data, Database Marketing, Market Research, Digital Marketing, Creative Strategy, Online Advertising, Social Media Marketing
Education
Harvard University 1989 — 1993
Bachelor's degree, Visual and Environmental Studies
Eastern Bank January 2015 - June 2015
Citizens Bank February 2012 - January 2015
Santander Bank, N.A. August 2011 - January 2012
Citizens Bank October 2009 - August 2011
Citizens Bank October 2005 - October 2009
Citizens Bank October 2003 - October 2005
Citizens Bank October 2001 - October 2003
Citizens Bank October 1998 - October 2001
Skills
Loans, Credit, Banking, Risk Management, Retail Banking, Management, Loan Origination, Commercial Banking, Consumer Lending, Sales, Mortgage Lending, Cross Selling, Small Business Lending
Education
Braddock High School - Varsity volleyball team
Fisher College
Miami Dade College
Santander Bank, N.A. April 2014 - Present
Santander Bank, N.A. May 2012 - April 2014
Skills
Management, Business Strategy, Sales, New Business Development, Business Development, Negotiation, Sales Management, Marketing Strategy, Business Planning, Strategic Planning, Team Management, Marketing, Strategy, Product Development, Team Leadership, Business Analysis, Banking, Branch Banking, Commercial Banking, Commercial Lending, Consumer Lending, Credit, Credit Analysis, Credit Risk, Cross Selling, Loans, Mortgage Lending, Retail Banking
Education
Middlesex Community College 2013 — 2014
Paralegal Studies
Helwan University Cairo 1993 — 1997
Berkshire Bank July 2015 - Present
Santander Bank, N.A. June 2011 - July 2015
Webster Bank November 2007 - May 2011
Bank of America January 1988 - November 2007
Skills
Retail Banking, Small Business Lending, Loan Origination, Mortgage Lending, Customer Service, Coaching, Employee Training, Leadership, Networking, Business Development, Volunteering, Resolve Issues, Banking, Credit, Consumer Lending, Branch Management, Loans, Deposits, Sales, Refinance, Commercial Banking
Education
Holyoke Community College 1986 — 1988
Business Administration and Management, General
Santander Bank, N.A. January 2014 - Present
Citizens Bank August 2008 - January 2014
Citizens Bank June 2000 - August 2008
Citizens Bank June 1997 - January 2002
Skills
Consumer Lending, Retail Banking, Loans, Mortgage Lending, Credit Analysis, Commercial Banking, Small Business Lending, Project Management, Banking, Credit, Commercial Lending, Sales, Credit Cards, Cross Selling, Relationship Management
Education
Framingham State College 1992 — 1996
Bachelor of Science (BS), Business Administration and Management, General
Santander Bank, N.A. January 2014 - Present
Efron Consulting 2011 - December 2013
Bank of America 2009 - 2011
Bank of America 2006 - 2009
Bank of America 2006 - 2009
Bank of America 2004 - 2006
Bank of America 2002 - 2004
Skills
Re-ingeniería de los..., Liderazgo, Gestión y desarrollo de..., Risk Management, Credit Cards, Change Management, Credit, Six Sigma, Retail Banking, Project Management, Operational Risk..., Operations Management, Leadership, Internal Controls, Team Building, Banking, Business Process, Fraud, Underwriting, Collections, Business Process..., Créditos, Gestión de riesgos, Management, Operational Risk, Credit Risk
Education
Harvard University 2015 — 2015
Harvard Extension School, Financial accounting
Universidad Autónoma de Madrid 1993 — 1998
Licenciada, Derecho
Università degli Studi di Urbino 'Carlo Bo' 1996 — 1997
Erasmus, Giurisprudenza
Studying PMP, Edwards Demming, Taiichi Ohno June 2015 - Present
PMP studies and Linkedin groups December 2011 - Present
Santander Bank, N.A. February 2015 - May 2015
Lancaster General Hospital June 2014 - February 2015
CompuCom August 2013 - December 2014
Commonwealth of Pennsylvania August 2013 - October 2013
Math U See April 2013 - August 2013
Hewlett-Packard February 2013 - March 2013
Hershey Entertainment & Resorts November 2010 - November 2011
John Hancock Life Insurance Company (U.S.A.) September 2008 - January 2009
Skills
Data Migration, Systems Analysis, Leadership, Management, Liaison, Rollout, Software, Servers, Visio, SharePoint, SDLC, Software Project..., Business Analysis, Quality Assurance, Project Management, Integration, VMware, IT Management, Network Administration, Testing, VPN, Hardware, Networking, Analysis, Software Documentation, Requirements Analysis, Process Improvement, SQL, Databases, Business Process, Microsoft Technologies, Requirements Gathering, Change Management, Blackberry Enterprise..., Business Intelligence, Business Process..., MS Project, Agile Methodologies, Project Planning, Disaster Recovery, Team Leadership, Business Requirements, IT Strategy, IT Service Management, User Acceptance Testing, Database Design, Project Delivery, System Deployment, Troubleshooting, Help Desk Support
Education
Nassau Community College 1971 — 1973
AS, Computer Science
Gordon College 1976 — 1978
Bachelor's degree, Economics and Business
Nassau Community College 1982 — 1983
AS, Computer science
Gordon College 1978 — 1980
BA, Economics and Business
Santander Bank, N.A. March 2011 - Present
Santander Bank, N.A. July 2006 - March 2011
Fidelity Title & Escrow March 2003 - January 2005
Dream House Mortgage October 2002 - March 2003
Metropolitan Life Insurance April 2001 - October 2002
Rhode Island Housing October 1998 - April 2001
Skills
Operations Management, Procedure Development, Procedure Manuals, Customer Service, Consumer Lending, Mortgage Banking, Quality Assurance, Loans, Mortgage Lending, Banking, Program Management, Budgets, Building Relationships, Business Development, Time Management, Leadership, Credit, Access, Management, Team Building, Leadership Development, Training, Insurance
Education
Johnson and Wales University 1985 — 1986
n/a, Fashion Merhandising
Fisher College 1984 — 1985
n/a, Fashion Merchandising
Support.com September 2014 - Present
Prospect Park Realty March 2014 - July 2014
Santander Bank, N.A. September 2012 - September 2013
Columbia University December 2011 - February 2012
Prison Health Services July 2009 - January 2011
HSBC June 2007 - March 2009
Broadview Networks September 2006 - October 2006
Brooklyn Children's Museum July 2005 - February 2006
Skills
Microsoft Office, Customer Experience, Customer Service, Office Administration, Clerical Skills, Administrative Support, Retail Banking, Direct Sales, Computer Science, Computer Hardware, Computer Repair, Typing, Community Outreach, Group Presentations, Customer Presentations, Mac OS X, iWeb, Photoshop, Audio Engineering, Music Production, Audio Mixing, Audio Editing, Video Production, Video Editing, Multitasker, Multimedia, Music, Software Documentation, Sales, Administrative..., Employee Relations, Team Leadership
Education
Full Sail University 2011 — 2013
Bachelor of Arts (B.A.), Music Business
Berkeley College 2006 — 2009
Bachelor of Business (B.S.), Management Information Systems, General
Thomas Jefferson High School 2002 — 2006
Regents Diploma, Business Administration and Management, General
Santander Bank, N.A. September 2013 - Present
Bank of America January 2007 - September 2013
Skills
Banking, Retail Banking, Consumer Lending, Loans, Cross Selling, Lines Of Credit, Risk Management, Operational Risk, Cash Management, Branch Banking, Credit Analysis, Credit, Small Business Lending, Commercial Lending, Commercial Banking, Branch Management, Customer Service
Education
Fitchburg State University
Santander Bank, N.A. February 2015 - Present
Axis Corporate April 2011 - January 2015
Indra Systems October 2008 - March 2011
Skills
HOST, DB2, CICS, Banskphere, Microsoft Office, Microsoft SQL Server, FileNet, Microsoft Project, UML, Java, C++, C, .NET, ITIL
Education
Harvard University 2014 — 2014
Project Management of Information Technology
Universidad Autónoma de Madrid 2003 — 2009
Bachelor Science degree, Computer Engineering
INGENIA Talent Solutions (Seeliger & Conde group) October 2014 - Present
Santander Investment Services September 2012 - May 2013
Santander Bank, N.A. July 2009 - May 2013
Santander Private Banking April 2008 - June 2011
Santander Private Banking August 2005 - April 2008
Santander Private Banking August 2003 - July 2005
UBS Investment Bank May 2000 - August 2003
ABN AMRO Bank N.V. June 1998 - May 2000
Universidad Pontificia Comillas ICAI-ICADE July 1994 - June 1998
Skills
Recruiting, Talent Acquisition, Middle Management, Organizational Design, Organizational Behavior, Banking, Mergers & Acquisitions, Investments, Design Thinking, Wealth Management, Capital Markets, Corporate Finance, Commercial Banking, FINRA Series 7 & 24
Education
Massachusetts Institute of Technology - Sloan School of Management 2013 — 2014
Master of Business Administration (M.B.A.), Sloan Fellow - Full Time Program on Innovation & Global Leadership, Cumm GPA 4.9 / 5.0
Harvard Business School 2013 — 2013
Design Thinking & Innovation
Universidad Pontificia Comillas 1988 — 1993
Bachelor's Degree, Economics & Business Studies / Finance
Swansea University 1992 — 1993
European Business Administration & Management, Erasmus Scholarship
Monmouth Battlefield State Park May 2015 - Present
St. Elizabeth of Hungary Catholic Church October 2013 - Present
Monmouth Battlefield State Park September 2014 - April 2015
Santander Bank, N.A. November 2009 - October 2013
Skills
Teamwork, Public Speaking, American History, American Civil War, Research, World History, Military History, Writing, Customer Service, Time Management, Making Deadlines, Retail Banking, Bulletins, English, Microsoft Office, Microsoft Excel, Microsoft Word, PowerPoint, Microsoft Publisher, Social Media, History, Historical Research, Administrative..., Editing, Management, Nonprofits
Education
Monmouth University 2011 — 2014
Master's Degree, History, 3.925
Florida State University 2003 — 2007
Bachelor's Degree, History, 3.7
Msgr. Edward Pace High School 1999 — 2003
High School
Santander Bank, N.A. November 2014 - Present
Miami Dade College May 2013 - Present
Bank of America Merrill Lynch August 2011 - November 2014
Everest Institute January 2010 - March 2014
Coral Gables Police Department July 2007 - August 2011
Coral Gables Police Department August 2003 - August 2011
Coral Gables Police Department August 2003 - July 2007
Skills
Criminal Justice, Security Management, Skip Tracing, Risk Assessment, Private Investigations, Security, Courts, Enforcement, Fraud, Physical Security, Police, Interrogation, Investigation, Corporate Security, Surveillance, Background Checks, Protection, Asset Protection, Security Operations, Bank Secrecy Act, Loss Prevention, Computer Forensics, AML, Criminal Investigations, Executive Protection, USA PATRIOT Act, Credit Cards, CCTV, Evidence, Personal Protection, Crime Prevention, Security Awareness, Financial Risk, Fraud Detection, Certified Fraud Examiner, Counterterrorism, Criminal Law, Crisis Management, Internal Investigations, Security Audits, Cybercrime, Homeland Security, Intelligence, Patrol, Law Enforcement
Education
Nova Southeastern University 2007 — 2009
Masters in Forensic Investigations, Criminal Justice
Florida International University 2002 — 2006
Bachelor's of Science, Criminal Justice and Corrections, 3.0
Santander Bank, N.A. December 2014 - Present
Astoria Bank August 2013 - December 2014
JP MORGAN CHASE July 2010 - July 2013
Astoria Federal Savings June 2008 - July 2010
Skills
Loans, Credit, Banking, Mortgage Lending, Consumer Lending, Small Business Lending, Retail Banking, Credit Analysis, Commercial Banking, Commercial Lending, Loan Origination, Mortgage Banking, Portfolio Management
Education
178
Finance University under the Government of the Russian Federation
Santander Bank, N.A. July 2014 - Present
Deloitte April 2013 - June 2014
Deloitte February 2012 - April 2013
Georgia Institute of Technology August 2010 - December 2011
AirTran Airways August 2006 - August 2008
Skills
Matlab, Aerospace, Data Analysis, Analysis, Management Consulting, Project Management, Business Analysis, Aviation, Program Management, Requirements Analysis, Systems Engineering, Strategy, Leadership, Engineering, Management, Consulting, Six Sigma, Product Management
Education
Georgia Institute of Technology 2010 — 2011
Master of Science (M.S.), Aerospace, Aeronautical and Astronautical/Space Engineering
Georgia Institute of Technology 2005 — 2010
Bachelor of Science (B.S.), Aerospace, Aeronautical and Astronautical/Space Engineering
Regent's School
SANTANDER INVESTMENT SERVICES June 2015 - Present
Merrill Edge October 2014 - June 2015
Santander Bank, N.A. February 2013 - February 2014
Citi September 2011 - February 2013
HSBC Securities USA, Inc. January 2010 - September 2011
Chase Investment Services December 2005 - January 2010
Morgan Stanley - Individual Investor Group November 2004 - December 2005
David Lerner Associates, inc. September 2003 - November 2004
Hofstra University - Computer Center January 2000 - September 2003
Education
Hofstra University 1998 — 2002
Bachelor of Science, Business Computer Information Systems
Santander Holdings USA July 2015 - Present
Beautiful Module Productions February 2015 - Present
Santander Bank, N.A. May 2014 - July 2015
MFS Investment Management August 2008 - April 2014
Boston Financial Data Services September 2005 - August 2008
Verizon September 2003 - June 2005
Skills
Mutual Funds, AML, Management, ERISA, Spanish, Internal Audit, Fluent Spanish, Expert in Microsoft..., 401k, Retirement, IRAs, Fund Accounting, Pensions, Fixed Annuities, Project Management, Project Planning, Risk Management, Microsoft Word, Microsoft Excel, PowerPoint, Asset Management, Operational Risk..., Financial Risk, Anti Money Laundering, Banking, Finance, Operational Risk, Analysis, Financial Services, Microsoft Office
Education
Gibbs College-Boston
Associate of Science (A.S.), Computer Science
New England College of Business and Finance
Bachelor of Business Administration (B.B.A.), Accounting and Finance
Virginia Hospital Center November 2014 - Present
Erickson Living May 2013 - November 2014
Doctor's Office January 2013 - May 2013
Santander Bank, N.A. June 2009 - January 2013
Skills
Medical Terminology, Healthcare, Cpr Certified, EMR, HIPAA, Phlebotomy, Vital Signs, Home Care, Nursing, EKG, Patient Education, Hospitals, Healthcare Management, Wound Care, Customer Service, Medication..., Direct Patient Care, BLS, Data Entry, Appointment Scheduling, Healthcare Information...
Education
Everest Instutute 2012 — 2013
Certification/Diploma, Medical/Clinical Assistant, A
Hawaii Pacific University 2003 — 2007
Bachelor of Arts (B.A.), Communication and Media Studies, B
Santander Bank, N.A. January 2015 - Present
Santander Bank, N.A. August 2013 - May 2015
Sovereign Banco Santander US August 2012 - August 2013
Ernst & Young December 2011 - January 2012
UniCredit Markets and Investment Banking June 2011 - August 2011
Harvard University January 2011 - June 2011
Enka Construction & Industry Co. Inc. July 2010 - August 2010
Harvard University February 2010 - April 2010
Skills
Stata, Economics, R, Econometrics, Research, Financial Modeling, Statistics, Data Analysis, Valuation, Quantitative Analytics, Statistical Modeling, Qualitative Research, Macroeconomics, Analysis, Business Strategy, Strategic Consulting, Banking, Market Analysis, Corporate Finance, Emerging Markets, Bloomberg
Education
Harvard University 2008 — 2012
Bachelors Degree, Economics
Massachusetts Institute of Technology 2011 — 2011
Corporate Financial Accounting
Enka Schools 2002 — 2008
International Baccalaureate, High Level Economics and Mathematics
HBX Core
HBX Core
Santander Bank, N.A. July 2015 - Present
The Cooperative Bank of Cape Cod June 2003 - July 2015
Goldman, Sachs & Co. 2000 - 2003
Skills
Banking, Financial Risk, Credit, Strategic Planning, Loans, Management, Customer Service, Securities, Vendor Management, Fixed Income, Risk Management, Commercial Banking, Credit Analysis, Portfolio Management, Retail Banking, Commercial Lending, Mortgage Lending, Compliance Management, Employee Training
Education
Franklin & Marshall College
Community Leadership Institute of Cape Cod and the Islands
Santander Bank, N.A. January 2014 - Present
Banco Santander Mexico March 2013 - December 2013
Banco Santander Mexico April 2010 - March 2013
Black Dog Irish Pub 2004 - 2011
Banco Santander Mexico June 2007 - March 2010
Banco Santander Mexico June 2006 - May 2007
Bank of America, N.A. (Mexico) July 2004 - April 2006
Finaccess México June 2002 - June 2004
alcatel lucent shanghai bell June 2000 - August 2000
Skills
Financial Analysis, Business Planning, Strategic Planning, Strategic Financial..., Banking, Business Strategy, Team Leadership, Marketing Strategy, Business Development, Analysis, Coaching, Microsoft Excel, Financial Markets, Management, Business Analysis, Financial Modeling, Sales, Negotiation, Market Research, Financial Planning, P&L Management, Executive Reporting, Microsoft Office 2007, People Management, Social Media, Profitability Analysis, Technology Enthusiast, Excel, Retail Banking, Mobile Technology, New Business Development, Budget Forecasts, Planning Budgeting &..., Multi-channel Retail, P&L Forecasting, P&L Analysis, Multi Tasking, Data Analysis, Increase Productivity, Increased Profitability, Manage Client..., Persuasion, Golf, Cross-cultural, Financial Services, Commercial Banking, Valuation, Project Management, Investments, Social Media Marketing
Education
Harvard University 2015 — 2017
Master of Liberal Arts (ALM), Business Administration and Management
Universidad Iberoamericana, Ciudad de México 1997 — 2002
Bachelor of Science (B.S.), Industrial Engineering
Instituto Tecnológico y de Estudios Superiores de Monterrey / ITESM 2011 — 2012
Diploma in Integrated Talent Management, Human Resources Management/Personnel Administration, General
Universidad Iberoamericana, Ciudad de México 2003 — 2004
Diploma in Marketing: Commercial and Competitive Strategy, Marketing/Marketing Management, General
Instituto Cumbres 1991 — 1997
High School, High School/Secondary Diplomas and Certificates
Santander Bank, N.A. 2015 - Present
Edelman Financial Services October 2011 - April 2015
Danversbank December 2009 - July 2011
New York Life January 2009 - November 2009
Fidelity Investments November 2007 - November 2008
Skills
Investments, Securities, Customer Service, Retirement Planning, Wealth, Leadership, Retirement, Mutual Funds, Sales, Wealth Management, Financial Advisory, Finance, Insurance, Asset Management, Portfolio Management, Investment Management, Investment Advisory, Series 7, Series 63, Series 65
Education
Fitchburg State University 2003 — 2007
Business Administration, Marketing and Management
Somerville High
State Street January 2014 - Present
Santander Bank, N.A. November 2013 - January 2014
OneUnited Bank May 2007 - May 2013
Eastern Bank July 2004 - May 2007
Skills
Banking, Training, Mortgage Lending, Business Development, Sales, Interviews, Branch Banking, Auditing, Coaching, AML, Bank Secrecy Act, Loans, Accounting, Team Building, Commercial Banking, Commercial Lending, Credit, Credit Analysis, Strategic Planning, Internal Audit, Mergers & Acquisitions, KYC, OFAC, Management, Anti Money Laundering
Education
Howard University 1995 — 1998
BA, Political Science, Business
Project Reach 1993 — 1996
Santander Bank, N.A. June 2014 - July 2015
Santander Bank, N.A. May 2013 - May 2014
Ernst & Young October 2010 - April 2013
Morgan Stanley Fund Services October 2009 - June 2010
MasterCard June 2009 - August 2009
Skills
Data Analysis, Project Planning, Project Coordination, Trend Analysis, Profitability Tracking, Project Management, Financial Analysis, Collaborative Problem..., Financial Markets, Strategic Financial..., Managing Project Budgets, Corporate Finance, Trend Forecasting, Building Relationships, Financial Reporting, Model Governance, Credit Risk, Experiential Learning, Model Validation, Microsoft Office, Photoshop, Retail Banking
Education
Fordham University 2006 — 2010
B.S., Finance, 3.7
Bronx High School of Science 2002 — 2006
Santander Bank, N.A. 2014 - Present
Standard Chartered Bank 2011 - 2013
Standard Chartered Bank 2010 - December 2011
JPMorgan Chase Bank, N.A. 2009 - 2010
JPMorgan Chase Bank, N.A. 2006 - 2008
JPMorgan Chase Bank, N.A. 2003 - 2006
Skills
Due Diligence, Restructuring, Investment Banking, Fixed Income, Credit, Risk Management, Portfolio Management, Banking, Credit Risk, Commercial Banking, Leveraged Finance, Capital Markets, Loans, Corporate Finance, Syndications
Education
Fordham Gabelli School of Business
MBA, Finance
Hobart and William Smith Colleges 1977 — 1981
BA
Nichols School, Buffalo, NY 1972 — 1977
Santander Bank, N.A. 2005 - Present
Skills
Portfolio Management, Commercial Lending, Financial Analysis, Risk Management, Relationship Management, Business Development, Negotiation, Investment Banking, Commercial Banking, Private Equity, Banking, Mergers & Acquisitions, Strategy, Financial Structuring, Credit Risk, Credit
Education
Harvard Business School
Master of Business Administration (MBA)
Purdue University
Bachelor of Science (BS), Economics
Santander Bank, N.A. April 2015 - Present
Financial Exams and Evaluations January 2011 - Present
Commonwealth of Massachusetts December 2013 - May 2014
U.S. Wealth Management November 2012 - January 2013
Weston Financial January 2011 - March 2012
Bank of America November 2009 - November 2010
Siobhan Fitzgerald June 2007 - November 2009
BISYS Regulatory Services October 2006 - December 2006
Investors Capital September 2006 - November 2006
American Express Financial Advisors/Ameriprise December 2003 - July 2006
Skills
Compliance, Financial Services, AML, Fraud, certificate medical..., HIPAA Compliance..., Due Diligence, Financial Risk, Internal Audit, Analysis, Portfolio Management, Management, Anti Money Laundering, Training, Policy
Education
Harvard University 1993 — 1998
Bachelor of Arts, Sociology
Santander Bank, N.A. January 2015 - Present
Santander Bank, N.A. January 2012 - December 2014
Ameriprise Financial Services, Inc. May 2010 - January 2012
Bank of America September 2004 - May 2010
Caritas Norwood Hospital August 2003 - May 2006
GMAC December 1996 - May 2000
UM Consultores April 1994 - August 1996
Skills
Financial Analysis, Analysis, Finance, Forecasting, Business Process, Sales Management, Business Analysis, Business Intelligence, Asset Management, Banking, Business Strategy, Economics, Financial Modeling, Management, Risk Management, Strategic Planning
Education
Harvard University 2003 — 2004
Certificate, CSS-Finance
Pontifícia Universidade Católica do Rio de Janeiro 1990 — 1994
BA, Economics
Santander Bank, N.A. August 2014 - Present
Education
Fordham University 2009 — 2013
Economics
Santander Bank, N.A. March 2001 - Present
ACI Worldwide October 1999 - March 2001
Bank of America January 1991 - October 1999
Bank of Boston 1991 - 1999
Fleet Bank (formerly BankBoston/Bank of Boston) 1991 - 1999
Skills
Cash Management, Product Management, Treasury Management, Banking
Education
Harvard University 1996 — 1999
CSS, Business Admin
New England College 1985 — 1989
BA, Marketing
Santander Bank, N.A. August 2014 - Present
Affordable Housing Institute January 2012 - July 2014
IFMR - Centre for Microfinance July 2011 - January 2012
Harvard University Graduate School of Design September 2009 - May 2011
Institute for International Urban Development June 2010 - August 2010
Cambridge Associates September 2008 - July 2009
Morgan Stanley June 2007 - August 2007
Skills
Urban Planning, Urban Design, Economic Development, Affordable Housing, ArcGIS, International..., Economics, Research, Policy Analysis, Stata, Real Estate Economics, Strategy, Program Management, Finance, Project Management, Public Policy, Analysis
Education
University of Pennsylvania - The Wharton School 2014 — 2014
International Housing Finance
Harvard University Graduate School of Design 2009 — 2011
Master's Degree, Urban Planning
Harvard University 2004 — 2008
Bachelor's Degree, Economics
Istanbul International Community School
First National Bank of Pennsylvania February 2014 - Present
PNC Bank July 2012 - February 2014
AgChoice Farm Credit, ACA August 2011 - July 2012
Graystone Bank June 2010 - August 2011
Santander Bank, N.A. June 2006 - June 2010
Graystone Tower Bank October 2005 - June 2006
Sovereign Bank December 2003 - October 2005
Skills
Loans, Banking, Credit, Retail Banking, Commercial Banking, Customer Service, Outlook, Consumer Lending, Microsoft Excel, Commercial Lending, Small Business Lending, Branch Banking, Financial Services, Lines Of Credit, Loan Origination, Credit Cards, Cross Selling, Relationship Management
Education
Harrisburg Area Community College
Associate's Degree, Business Administration, 3.92 gpa
Cumberland Valley
Bank of America April 2015 - Present
IAABO 2005 - April 2015
Santander Bank, N.A. August 2001 - March 2015
Skills
Mortgage Banking, Residential Mortgages, Mortgage Lending, Credit Analysis, Banking, Consumer Lending, Loan Origination, Sales, Credit, Customer Service, FHA, Finance, Loans, Refinance
Education
Framingham State College 1994 — 1998
Business Administration and Management, General
Capital One April 2015 - Present
Capital One October 2014 - April 2015
Santander Bank, N.A. May 2014 - July 2014
ALCO Stores, Inc July 2011 - August 2013
Honeywell Technology Solutions, Inc. January 2008 - January 2012
AIG July 2007 - April 2008
MTC Technologies January 2006 - January 2007
The Logistics Company January 2005 - January 2006
KBR, Inc. October 2003 - December 2005
Logistics Applications Inc September 2002 - September 2003
Skills
Retail, Store Management, Customer Service, Loss Prevention, Inventory Management, Retail Sales, Inventory Control, Cashiering, Store Operations, Sales, Microsoft Office
Education
Asian American Civic Association 2014 — 2014
Banking and Financial Support Services
Harding University 1997 — 2002
Bachelor, Business Administration, Management
Bechtel Corporation January 2015 - Present
Bechtel Corporation September 2009 - January 2015
Santander Bank, N.A. June 2008 - August 2008
U.S. House of Representatives June 2006 - August 2006
Skills
Green Belt, Process Improvement, Financial Analysis, Financial Reporting, Forecasting, Microsoft Excel, Accounting, Budgets, Managerial Finance, Statistical Data..., Access Database, Oracle E-Business Suite
Education
Waynesburg College 2012 — 2014
Master of Business Administration (MBA)
Grove City College 2005 — 2009
BS, International Business and Finance
Santander Bank, N.A. January 2015 - Present
Winthrop Community Access Television (WCAT TV) June 2012 - Present
Winthrop Foundation June 2011 - Present
Webster First Federal Credit Union January 2012 - May 2014
Winthrop Rotary Club June 2011 - July 2012
Winthrop Federal Credit Union July 2011 - December 2011
Winthrop Federal Credit Union April 2009 - June 2011
Winthrop Federal Credit Union November 2008 - March 2009
Skills
Executive Management, Business Services, Mergers, Change Leadership, Strategic Planning, Business Strategy, Leadership Development, Corporate Development, Change Management, Mergers & Acquisitions, Loans, Credit Unions, Finance, Banking, Sales, Leadership, Training, Marketing, Risk Management, Business Development, Credit Cards, Coaching, Retail Banking, Portfolio Management, New Business Development, Credit, Consumer Lending, Mortgage Lending, Commercial Lending, Analysis, Organizational..., Small Business Lending, Budgets, Commercial Banking, Financial Analysis, Loan Origination, Commercial Mortgages, Credit Analysis, Investments, Underwriting, Debit Cards, Financial Institutions, Lines Of Credit, Financial Services, Loan Servicing, Credit Risk, Insurance, Cash Management, Residential Mortgages, Mortgage Banking
Education
Harvard University
Business and Communication, International Business
North Shore Community College
Business and Administration
Financial Manager Society
5300 CALL report, Risk Measurement & Liquidity Management, Banking, Corporate, Finance, and Securities Law
Northeastern University
Management Development Program in Residential Lending
Santander Bank, N.A. May 2013 - Present
Peoples United Business Capital September 2011 - May 2013
Sterling National Bank March 2011 - September 2011
Citibank, N.A. March 2007 - March 2011
Merrill Lynch March 2003 - March 2007
National Westminster Bank 1986 - 1991
National Westminster Bank 1986 - 1991
National Westminster Bank 1986 - 1991
Skills
Finance, Corporate Finance, Financial Services, Asset Based Lending, New Business Development, Commercial Lending, Credit Analysis, Credit, Loans, Commercial Banking, Portfolio Management, Banking, Small Business Lending, Financial Analysis, Investments, Due Diligence, Credit Risk, Capital Markets, Underwriting, Mergers & Acquisitions, Equities, Middle Market, Risk Management
Education
Fordham University
BBA, Accounting
Santander Bank, N.A. September 2013 - Present
Global Logistics Provider December 2012 - September 2013
Charles River Associates January 2010 - November 2012
Harbar, LLC August 2009 - December 2009
SloanGear May 2008 - April 2009
UNDP June 2008 - August 2008
London Consulting 2002 - 2007
BGA Business Global Advisors March 2006 - August 2006
Skills
Energy, Retail, Banking, Business Planning, Change Management, Management, Logistics, Management Consulting, Entrepreneurship, Business Strategy, Strategic Planning, Cross-functional Team..., Competitive Analysis, Marketing Strategy, Market Research, Consumer Products, Project Management, Analysis, Program Management, Business Analysis, Process Improvement, Business Process..., Business Development, Mergers & Acquisitions, Financial Modeling, Market Analysis, Product Development, Analytics, Due Diligence, Strategy, Marketing, Start-ups
Education
Massachusetts Institute of Technology - Sloan School of Management 2007 — 2009
MBA, Massachusetts Institute of Technology
Harvard University
Division of Continuing Education
Tecnológico de Monterrey
B.S., Industrial Engineering
Kroll Bond Rating Agency, Inc. March 2014 - Present
Santander Bank, N.A. July 2011 - March 2014
Mizuho Corporate Bank October 2008 - July 2011
Credit Suisse May 2002 - June 2008
Wachovia January 2000 - February 2002
First Union National Bank May 1998 - January 2000
First Union National Bank 1997 - 1998
First Fidelity Bank, NJ 1994 - 1997
First Fidelity Bank, NJ 1993 - 1994
Skills
Credit Analysis, Portfolio Management, Credit, Finance, Financial Modeling, Banking, Loans, Corporate Finance, Capital Markets, Due Diligence, Risk Management, Financial Analysis, Analysis, Underwriting
Education
Fordham University - Graduate School of Business Administration 2011 — 2011
Pre-MBA Program Participant
Rutgers University-New Brunswick 1990 — 1994
BS, Marketing and German
Franklin High School
Santander Bank, N.A. October 2013 - Present
Digital Federal Credit Union January 2013 - October 2013
Digital Federal Credit Union October 2010 - January 2013
Clinton Savings Bank November 2004 - May 2008
Skills
Quick books, Microsoft Office, Credit, Customer Service, Sales, Commercial Real Estate, Credit Analysis, Commercial Lending, Finance, Financial Analysis, Banking, Loans, Portfolio Management, Leadership, QuickBooks, Public Speaking
Education
Gordon College 2006 — 2010
Bachelor of Arts (B.A.), Finance and Business Administration
Santander Bank, N.A. April 2014 - Present
Long Island Party Helpers, Inc. January 2012 - Present
Wells Fargo February 2014 - April 2014
Chase June 2010 - February 2014
Suffolk Federal Credit Union May 2008 - May 2010
Teachers Federal Credit Union September 2004 - May 2008
Skills
Banking, Financial Analysis, Financial Modeling, Process Improvement, Budgets, Capital Markets, Marketing, Retail, Business Development, Selling Skills, Fundraising, Customer Engagement, Process Engineering, Shipping, Finance, Management, Sales, Commercial Banking, Credit, Risk Management, Portfolio Management, Commercial Lending, Relationship Management, Retail Banking, Small Business Lending, Business Relationship..., New Business Development, AML
Education
St. Joseph's College 2009 — 2013
Executive M.B.A, Business Administration and Management
Hofstra University 2005 — 2009
B.B.A., Finance
Cambridge International Projects October 2003 - Present
Baxalta December 2014 - July 2015
Santander Bank, N.A. August 2014 - December 2014
Partners HealthCare September 2012 - December 2013
Shire February 2009 - June 2012
Verne Global 2007 - 2008
L-3 Communications Integrated Systems 2006 - 2007
Fidelity Investments 2006 - 2007
Manulife Financial 2005 - 2006
State Street Bank 2004 - 2004
Skills
Specialties:PMO,..., PMO, PMP, Program Management, Business Process, Strategy, Project Management, Consulting, Management, Enterprise Software, Business Process..., Information Technology, Agile Methodologies, Business Continuity, Global Delivery, Financial Services, Mentoring
Education
Harvard University 1983 — 1987
Bachelor's Degree, Government / International Relations
Woodstream Corporation July 2015 - Present
Clark Associates March 2015 - May 2015
Santander Bank, N.A. August 2014 - March 2015
El Rancho de Jonas Restaurant July 2001 - October 2004
EMSIRVA E.S.P. 1999 - 2001
Skills
Internal Controls, Accounting, Finance, Research, Financial Analysis, Data Analysis, Microsoft Excel, Microsoft Office, Customer Service, Teamwork, Leadership, Financial Accounting, Corporate Finance, Management, PowerPoint, Microsoft Word, Banking, Sales, Retail Banking
Education
Penn State University 2012 — 2013
Bachelor of Applied Science (B.A.Sc.), Finance, 3.6
Harrisburg Area Community College 2009 — 2011
Associate of Science (A.S.), Business Administration, 3.5
Universidad de San Buenaventura 1999 — 2001
Law
Fidelity Investments May 2013 - Present
Fidelity Investments November 2011 - May 2013
Fidelity Investments December 2009 - November 2011
Fidelity Investments January 2009 - November 2009
Fidelity Investments July 2007 - December 2008
Fidelity Investments September 2006 - June 2007
Fidelity Investments February 2005 - August 2006
Putnam Investments December 2003 - February 2005
Santander Bank, N.A. July 2003 - December 2003
Skills
Risk Management, Program Management, Data Analysis, Strategy, Leadership, Strategic Planning, Risk Assessment, Project Management, MS Project, Management, Business Strategy, Operational Excellence, Operational Risk, Incident Management, Executive Reporting, Presentation Development, Message Development, Financial Analysis, Program Development, PowerPoint, Microsoft Excel, Visio, Mutual Funds, Middle Office, Financial Services, Design Thinking, Pareto Analysis, Control Charts, Business Process Mapping, Value Stream Mapping, SIPOC, Workshop Facilitation
Education
Hamilton College 1999 — 2003
BA, Philosophy
Santander Bank, N.A. September 2013 - Present
Hannaford Bros. Co. June 2011 - August 2013
Fitchburg State University May 2012 - August 2012
PanaPesca May 2010 - August 2010
Skills
Microsoft Office, Retail, PowerPoint, Time Management, Customer Service
Education
Fitchburg State College 2008 — 2013
Bachelor of Science (B.S.), Business Administration and Management, General
Santander Bank, N.A. June 2015 - Present
Argus Information and Advisory Services October 2012 - June 2015
Global Healthcare and Innovation Management Center, Fordham University September 2011 - August 2013
BluesSteps, Association of Executive Search Consultants February 2012 - August 2012
Ideate Group August 2010 - August 2011
Accenture August 2008 - July 2010
Skills
Business Strategy, Project Management, Analytics, New Business Development, Business Intelligence, Business Development, Market Research, Marketing Strategy, Product Development, Entrepreneurship, Business Analysis, Financial Analysis, Financial Modeling, Financial Market..., Business Valuation, Data Analysis, Competitive Analysis, Strategy
Education
Fordham University 2011 — 2013
MBA
Mumbai University 2004 — 2008
BE
Santander Holdings USA, Inc. June 2014 - Present
Santander Bank, N.A. August 2013 - June 2014
Santander Bank, N.A. June 2013 - August 2013
Volotea Airlines June 2012 - August 2012
SENER September 2009 - July 2011
Airbus November 2006 - August 2007
Airbus April 2005 - October 2006
Airbus July 2004 - December 2004
Skills
Financial Modeling, Operations Management, Business Strategy, Entrepreneurship, Management Consulting, Airlines, Strategy, Financial Analysis
Education
Harvard Business School 2011 — 2013
MBA, Strategy and General Management
University of Michigan 2007 — 2009
Master of Science, Aerospace Engineering
Université de Technologie de Compiègne 2004 — 2004
Exchange Program
Universidad de Navarra 1999 — 2005
Master of Science, Industrial (Mechanical) Engineering
Santander Bank, N.A. October 2007 - Present
Fleet/Bank of America May 2004 - July 2004
Footlocker June 2001 - October 2001
Kelly Direct January 1988 - January 1994
Skills
Microsoft Office, PowerPoint, Photography, Answering Phones, Problem Solving, Financial Planning, Outlook, Microsoft Office 2007, Organizational..., Determined, Creative Development, Banking, Team Building, Customer Service, Coaching, Software Documentation, Creative Direction, Management, Payroll, Strategic Financial..., System Administration, Teamwork, Telephone Skills, Troubleshooting, Windows, Customer Experience, Customer Satisfaction, Leadership, Sales, Team Leadership, Training
Education
Farmingdale State University of New York 1989 — 1989
Certificate in Office Automation, Computer's
West Side High New 1987 — 1989
High School Diploma, Mathematics
PopCorners -Medora Snacks January 2013 - Present
Santander Bank, N.A. April 2011 - January 2013
Regions Business Capital March 1998 - April 2011
Skills
Asset Based Lending, Middle Market, Commercial Lending, Leveraged Finance, Capital Markets, Loans, Corporate Finance, Private Equity, Credit Analysis, Mergers, Structured Finance, Credit, Banking, Financial Structuring, Commercial Banking, Mergers & Acquisitions, Portfolio Management, Restructuring, Investment Banking
Education
Fordham University - Graduate School of Business Administration 1974 — 1994
Master of Business Administration (M.B.A.), Finance & Economics
Santander Bank, N.A. June 2014 - Present
TD Bank Group September 2011 - June 2014
Visa December 2009 - September 2011
Visa May 2008 - January 2010
Deloitte & Touche January 2007 - May 2008
Wells Fargo 2003 - 2006
Wells Fargo 1997 - 2003
Skills
Credit, Enterprise Risk..., Financial Risk, Credit Cards, Portfolio Management, Risk Management, Strategy, Analytics, Basel II, Risk Assessment, Credit Risk, Business Analysis, Finance, Financial Services, Corporate Finance, Financial Analysis, Banking, Credit Analysis, Valuation, Business Process..., Capital Markets, Payments, Operational Risk..., Governance, Process Improvement, Executive Management, Retail Banking, Internal Audit, Leadership, Operational Risk, Financial Modeling, Due Diligence, Relationship Management, Mergers & Acquisitions, Treasury Management, AML, Debit Cards, Anti Money Laundering
Education
Stanford University 2010 — 2012
Certification, Risk Management & Strategic Decisions
Florida Atlantic University 2001 — 2003
MBA, Finance
Washington College 1993 — 1997
Santander Bank, N.A. June 2012 - Present
Banco Santander November 2009 - June 2012
Banco Santander August 2006 - November 2009
Banco Santander December 2001 - July 2006
Banco Prosper February 1997 - June 1999
Skills
Credit Cards, Portfolio Management, Personal Loans, Product Development, Call Center, Cross Selling, Building Alliances, Credit, Retail Banking, Management
Education
IE - Instituto Empresa 2011 — 2011
Programa de Desarrollo Directivo, Management
Fundação Dom Cabral (in house Santander) 2004 — 2005
Post-Graduation, Leadership
Ibmec 1999 — 2001
MBA, Finance
Pontifícia Universidade Católica do Rio de Janeiro 1992 — 1997
Graduation, Economics
Gap / Gap Inc. January 2015 - Present
Avenue Code July 2014 - Present
PMI - San Francisco Bay Area Chapter 2014 - Present
OneLogin, Inc. September 2014 - December 2014
Itaro August 2012 - January 2013
AGR Consultores March 2010 - August 2012
ATIVA Corretora March 2009 - May 2010
UM INVESTIMENTOS 2008 - 2008
Credit Suisse Hedging-Griffo February 2007 - September 2007
Santander Bank, N.A. December 2006 - July 2007
Skills
Management Consulting, Business Process Design, Business Process, Business Process..., PMBOK, PMI, Marketing, Project Management, Market Research, E-commerce, Management, Agile Methodologies, Agile Project Management, Project Planning, Start-ups, Strategy, Consulting, Business Strategy, Budgets, Finance, Leadership, Negotiation
Education
University of California, Berkeley 2013 — 2014
Project Management
Fundação Armando Alvares Penteado 2004 — 2008
Administração de Empresas
Porto Seguro 2001 — 2003
Ensino médio
Santander Bank, N.A. December 2014 - Present
Santander Bank October 2013 - Present
AGS April 2010 - October 2013
Jumper Consulting SL June 2003 - April 2010
Telefonica Soluciones 2006 - 2008
Telefonica 2004 - 2008
Cap Gemini February 2001 - June 2003
Lotus development January 1999 - January 2001
Skills
Security, Strategies, High Availability, ITIL, IT Management, Cloud Computing, Business Intelligence, PMP, Software Project..., IT Service Management, IT Outsourcing, IT Strategy, Virtualization, Team Management, SaaS, NetApp, Netbackup, Storage Solutions, EMC Storage, VMware Infrastructure, Management, Start-ups, Professional Services, Project Management, Information Technology, Business Development, Cross-functional Team..., Consulting, Outsourcing, Leadership, Project Portfolio..., Business Continuity, Competitive Analysis, Change Management, Enterprise Software, Governance, IT Operations, Disaster Recovery
Education
IE Business School 2007 — 2008
GMBA, Business administration
Universidad Politécnica de Madrid 1992 — 1999
Ingeniero, Informatica
City of Trenton August 2015 - Present
Santander Bank, N.A. November 2014 - August 2015
PNC October 2011 - October 2014
PNC April 2009 - October 2011
PNC Bank December 2006 - March 2009
City of Trenton May 2005 - December 2006
City of Trenton 2005 - 2006
The Bank N.A. January 2004 - May 2005
City of Trenton 2003 - 2004
Wells Fargo September 2000 - January 2003
Skills
Banking, Portfolio Management, Treasury Management, Small Business Lending, Commercial Banking, Branch Management, Credit, Consumer Lending, Commercial Lending, Cash Management, Retail Banking, Deposits, Loans, Lines Of Credit, Cross Selling, Treasury Services, Credit Analysis, Competitive Market..., Sales Action Plans..., Product Positioning and..., Leadership, Training,..., Marketing and..., Continuous Productivity..., Microsoft Access, Microsoft Publisher, Microsoft Office Suite, Loan Origination, Mortgage Lending, Microsoft Office, Relationship Management
Education
Georgian Court University 2005 — 2006
Master of Business Administration (M.B.A.), Mangement, 3.5
Georgian Court University 2001 — 2005
Bachelor of Science (BS), Business Administration, 3.5
Santander Bank, N.A. November 2013 - Present
Banco Santander December 2009 - October 2013
Axis Corporate September 2007 - November 2009
Indra November 2006 - September 2007
Skills
Management Consulting, Business Analysis, Business Strategy, Change Management, PMO, IT Strategy, Banking, Software Project..., Business Intelligence, Business Process..., Project Management, Requirements Analysis, IT Management, ITIL, Risk Management, Team Leadership, Strategy, Business Process Design, Project Portfolio..., Business Transformation, Análisis de negocio, Estrategia empresarial, Gestión de proyectos, Gestión de proyectos de..., Banca, Inteligencia empresarial, Cambio organizacional
Education
IE (Instituto de Empresa) 2005 — 2006
Master of Business Administration (MBA)
Universidad de Zaragoza 2001 — 2005
Bachelor of Business Administration (B.B.A.), Marketing/Marketing Management, General
Santander Bank, N.A. May 2014 - Present
Best Buy March 2011 - April 2014
Best Buy October 2010 - March 2011
Les Mills US (LMUS) May 2010 - March 2011
Best Buy December 2005 - January 2011
Skills
Sales, Coaching, Customer Service, Customer Satisfaction, Customer Retention, Training, Management, Credit Monitoring, Budgeting, Team Building, Interviews, Employee Training, Retail
Education
The Pennsylvania State University
Bachelor’s, Business Administration and Management, General
HACC, Central Pennsylvania's Community College
Bachelor’s Degree, Business Administration and Management, General
Santander Bank, N.A. May 2015 - Present
TD July 2012 - May 2015
TD Bank November 2010 - July 2012
Cartridge World April 2007 - November 2010
Various 2005 - 2007
Skills
Strategy, Brand Development, Sales Operations, Advertising, Marketing, Sales, Leadership, Management, Strategic Planning, Customer Service, Public Relations, Sales Management, Banking, Team Building, Credit
Education
Hofstra University 1999 — 2003
Bachelor of Science (BS), Broadcast Journalism
Santander Bank, N.A. September 2012 - Present
Capital One May 2010 - August 2012
JPMorgan Chase March 2008 - May 2010
Westrock Advisors January 2007 - March 2008
Skills
Small Business Lending, Consumer Lending, Commercial Lending, Loans, Lines Of Credit, Credit, Commercial Banking, Mortgage Lending, Banking, Retail Banking, Treasury Management, New Business Development, Sales, Computer Proficiency, Merchant Services, Payroll Services, Cash-flow Management, Commercial Real Estate..., Formal Credit Training..., Series 7, Credit Analysis, Commercial Mortgages, Loan Origination, SBA, Credit Cards, Cross Selling, Underwriting, Relationship Management, Mortgage Banking, Asset Based Lending, Deposits, Branch Management, Financial Services, Credit Risk, Cash Management, Residential Mortgages, Portfolio Management, Small Business
Education
Hofstra University 2001 — 2005
Bachelor of Business Administration (B.B.A.), Business Management
Santander Bank, N.A. February 2014 - Present
State Street Corporation October 2012 - February 2014
Federal Reserve Bank of Boston January 2011 - October 2012
Skills
Analytical Skills, Due Diligence, Microsoft Excel, MS Excel Pivot Tables, Organization Skills, Time Management, Strategic Thinking, Problem Solving, Creative Strategy, At Multitasking, Financial Accounting, Technical Analysis, Report Writing, Enterprise Risk..., COSO ERM, US GAAP, 10Q, Financial Statements, Internal Audit, Data Integrity
Education
Georgia Southern University 2007 — 2010
Bachelor of Business Administration, Finance; Financial Services
Santander Bank, N.A. September 2015 - Present
DMG Company September 2015 - September 2015
Cityside Distribution Providence, Rhode Island July 2015 - September 2015
Sodexo January 2015 - May 2015
Tony's Pizza May 2014 - August 2014
Stop & Shop June 2013 - February 2014
Pride Stores May 2012 - August 2012
Six Flags March 2011 - August 2011
Skills
Photoshop, Music Production, Illustrator, Group Work, Visual Communication, InDesign, Public Relations, Science Communication, Sales, Speech Communications, Photo Restoration, Adobe Creative Suite, Photography, Marketing
Education
Framingham State University 2011 — 2015
Bachelor of Communication Arts, Communications
Santander Bank, N.A. January 2000 - Present
Madri Internet Marketing March 2006 - April 2007
aconsejada financiero January 1999 - April 2000
Skills
Microsoft Office, Management, Microsoft Excel, Microsoft Word, Recherche, PowerPoint, Vente, Leadership, Formation, Adobe Photoshop, Analyse financière, Finance, Reporting financier, Comptabilité financière, Modélisation financière, Administración y..., Microsoft PowerPoint, Investigación y...
Education
Universidad Complutense de Madrid 2001 — 2005
Master's degree, Finance, général
1990 — 1999
Master en administration des finances, Finance, général
Impacto Capital 2014 - Present
Santander Bank, N.A. 2013 - 2014
Sovereign Bank - Santander US 2010 - 2013
Banco Santander April 2005 - January 2010
UPC Nederland 2004 - 2005
Accenture 2000 - 2004
BRAZILIAN ARMY – Computer Science Department (IME) 2001 - 2002
Skills
Product Management, Business Strategy, CRM, Strategy, Management, Leadership, Start-ups, Cross-functional Team..., Product Development, Program Management, Portfolio Management, Banking, Mobile Devices, Strategic Planning, Team Leadership, Business Planning
Education
1 Instituto Militar de Engenharia
Bachelor of Engineering (B.Eng.), Mechanical Engineering
Fundação Getulio Vargas
Master of Business Administration (MBA), Global Management, Focus on North American, Latin American and European Markets
UNIVERSITY OF NORTH CAROLINA AT CHAPEL HILL – KENAN-FLAGER BUSINESS SCHOOL
Master of Business Administration (MBA), Global Management, Focus on Asian Markets
NSTAR, now Eversource Energy May 2014 - Present
Avon Co-Operative Bank April 2013 - May 2014
Santander Bank, N.A. February 2009 - April 2010
Skills
Final Draft, Microsoft Office, Social Media, Accounting, Critical Thinking, Research, Analysis, Leadership, Deadline Oriented, Independent Thinking
Education
Full Sail University 2012 — 2015
Bachelor of Fine Arts (BFA), Creative Writing for Entertainment
Santander Bank, N.A. September 2014 - Present
Capital One August 2013 - August 2014
Macy's August 2012 - February 2013
Gateway Community College September 2009 - May 2011
Skills
Visual Merchandising, Merchandising, Retail, Store Management, Retail Sales, Loss Prevention, Cashiering, Store Operations, Inventory Management, Fashion, Inventory Control, Apparel, Sales, Assortment, Customer Service
Education
Wilmington University 2012 — 2014
Bachelor's Degree, Business, Management, Marketing, and Related Support Services, 4.00
Gateway Community College 2009 — 2011
Associate of Arts (A.A.), General Studies
Santander Bank, N.A. April 2015 - Present
HSBC Private Bank August 2014 - April 2015
Galleria Farms April 2014 - August 2014
Citi August 2013 - April 2014
ADP September 2012 - March 2013
Itau Private Banking February 2012 - May 2012
Ocean Bank February 2008 - February 2012
UPS June 2007 - October 2007
Skills
OFAC, AML, Banking, KYC, USA PATRIOT Act, Risk Management, Finance, Due Diligence, Financial Analysis, Financial Risk, Credit, Retail Banking, Spanish, Credit Risk, Payments, Anti Money Laundering, Accounting, Financial Reporting, Accruals, Accounts Payable, Oracle, SAP, Bank Secrecy Act, Analysis, Auditing, Cash Management, Commercial Banking, Commercial Lending, Corporate Finance
Education
Florida International University 2004 — 2006
Bachelor of Business Administration (B.B.A.), Finance, General
TD Bank August 2015 - Present
State Street March 2015 - August 2015
Santander Bank, N.A. August 2014 - March 2015
Santander Bank, N.A. August 2012 - August 2014
Skills
Banking, Credit, Loans, Retail Banking, Customer Service, Credit Analysis, Cross Selling
Education
Fisher College 2012 — 2014
Bachelor of Applied Science (B.A.Sc.), Accounting and Business/Management
Mount Ida College 2009 — 2012
Bachelor of Science (B.S.), Business Management: Accounting Concentration
Santander Bank, N.A. July 2013 - Present
Athol Savings Bank June 2007 - September 2011
Clinton Savings Bank June 2005 - June 2007
Skills
Microsoft Office, Management, Microsoft Excel, Microsoft Word, Research, PowerPoint, Sales, Leadership, Training, Photoshop, Credit Analysis
Education
Fitchburg State University
Bachelor of Business Administration (B.B.A.), Accounting and Business/Management
Fitchburg State University
Bachelor's degree, Accounting and Business/Management
Regus March 2011 - February 2013
Aeso - Faculdades Integradas Barros Melo March 2010 - December 2010
Santander Bank, N.A. April 2008 - December 2008
HSBC January 2007 - March 2008
Skills
General Business..., Microsoft Office, Microsoft Excel, Negociação, Microsoft PowerPoint, Planejamento estratégico, Gestão, Estratégia empresarial, Liderança de equipe, Planejamento empresarial, Management, Team Leadership, PowerPoint
Education
Golden Gate University 2014 — 2016
Master of Science (M.S.), Project Management
Faculdades Integradas Barros Melo - AESO 2004 — 2008
Bachelor of Business Administration (B.B.A.), Business Administration and Management, General
Santander Bank, N.A. April 2015 - Present
US Army November 2014 - Present
State Street April 2013 - April 2015
Xyster Consulting Inc. December 2011 - March 2013
Carl Zeiss NTS, LLC June 2011 - December 2011
TD June 2009 - January 2011
Carl Zeiss SMT Inc. May 2008 - August 2008
Skills
Purchasing, Procurement, Oracle, Vendor Management, Vendor Relationship..., SAP, Hiperos, Risk Analytics, Data Conversion, Functional Support, Business Operations, Purchase Orders, Inventory Management, Teller Operations, Army, Process Improvement, Analysis, Business Analysis, Program Management, Strategic Planning
Education
Framingham State University 2008 — 2011
Bachelor’s Degree, Mathematics, 3.2
Bedford High School 2003 — 2007
High School, General Studies, 3.6
Orrstown Bank May 2015 - Present
Santander Bank, N.A. June 1997 - May 2015
Skills
Customer Service, Branch Banking, Insurance, Consumer Lending, Small Business Lending, Sales, Loans, Investments, Finance, Credit Analysis, Credit, Commercial Banking, CRM, Banking
Education
Clear Spring High School
High School
Frostburg State University
Bachelor's Degree, Business Administration and Management, General
Hagerstown Community College
Associate's Degree, Business Administration and Management, General
Santander Bank, N.A. December 2008 - Present
LEHMAN BROTHERS BANK April 2007 - September 2008
Sovereign Bank December 2003 - April 2007
Sovereign Bank December 2002 - December 2003
Melick & Porter, LLP March 2001 - May 2002
Skills
Litigation, Loans, Management, Real Estate, Mergers, Banking, Commercial Lending, Credit, Due Diligence, Legal Research, Legal Writing, Asset Management
Education
SUFFOLK UNIVERSITY SCHOOL OF LAW
Juris Doctor
Hampshire College
Bachelor of Arts, Political Science
Santander Bank, N.A. March 2015 - Present
East West Bank September 2013 - March 2015
Citibank September 2007 - August 2013
Bank of America March 2006 - August 2007
Bank of America March 2003 - March 2006
Fleet Bank July 2000 - March 2003
BankBoston March 2000 - July 2000
Skills
New Business Development, International Business, Business Relationship..., Banking, CRM, Start-ups, Financial Services, Credit, Finance, Commercial Banking, Cash Management, Business Strategy, Cross Selling, Business Process, Commercial Lending, Relationship Management, Small Business Lending, Cross-functional Team..., Trade Finance, Portfolio Management, Strategy, Business Development, Program Management, Entrepreneurship
Education
Harvard University
Bachelor's Degree, Bachelor of Liberal Arts
William & Mary 1985 — 1989
American School of Paris 1981 — 1985
The American University of Paris
International Business
Santander Bank, N.A. September 2015 - Present
Banco Santander July 2013 - June 2015
HSBC Global Banking and Markets October 2010 - June 2013
Itau-Unibanco February 2007 - October 2010
Skills
Finanças corporativas, Mercado de crédito, Mercados financeiros, Gestão de carteiras, Risco de crédito, Serviços bancários, Finanças, Gestão de riscos, Estratégia empresarial, Gestão de fluxo de caixa, Corporate Finance, Banking, Financial Markets, Business Planning, Credit Risk, Portfolio Management, Retail Banking, Risk Management, Business Strategy, Finance, Commercial Banking, Payments
Education
Fundacao Getulio Vargas / FGV 2011 — 2011
Financial Institutions Administration, Banking
University of California, San Diego 2010 — 2010
Business Administration, U.S Business and Economic Strategies
Fundacao Getulio Vargas / FGV 2007 — 2009
Postgraduate, International Business Administration
Faculdade Santa Marcelina 2003 — 2006
Internacionalist, International Labor Relations
Santander Bank, N.A. April 2015 - Present
Curtsy&Bow December 2010 - Present
Santander Bank, N.A. January 2014 - March 2015
Brigham and Women's Hospital April 2013 - June 2013
Badgley Mischka USA January 2012 - May 2012
Badgley Mischka September 2011 - December 2011
Chinatown Brasserie February 2011 - November 2011
Chinatown Brasserie October 2009 - January 2011
Vibe Media May 2010 - July 2010
J. McLaughlin February 2009 - May 2009
Skills
Creative Direction, Advertising, Beauty Industry, Brand Development, Art Direction, Packaging, Graphic Design, Fashion, Cosmetics, Marketing Strategy, Marketing Communications, Photo Shoots, Social Media, Creative Strategy, Digital Marketing, Styling, Social Media Marketing, Concept Development, Adobe Creative Suite, Photoshop, Mac, Microsoft Office, Apparel, Customer Service, Microsoft Excel, Social Networking, Marketing
Education
Fashion Institute of Technology 2007 — 2011
Bachelors, Production Management: Fashion & Related Industries
Braintree High School 2005 — 2007
High School Diploma, Business, Management, Marketing, and Related Support Services
Santander Bank, N.A. October 2014 - Present
JPMorgan Chase & Co. October 2013 - October 2014
JPMorgan Chase & Co. October 2011 - October 2013
Skills
English, Outlook, Microsoft Word, Windows, Research, Microsoft Excel, PowerPoint, Customer Service, Microsoft Office, Financial Services, Management, Banking, Credit, Retail Banking, Loans
Education
Florida International University 2014 — 2016
Bachelor's Degree, Business Administration, Management and Operations/ Economics, 3.8
Miami Dade College 2012 — 2014
Associate's Degree, Business Administration and Management, 3.9
Santander Bank, N.A. March 2014 - Present
Santander Bank, N.A. May 2013 - March 2014
Bertelsmann Marketing October 2010 - September 2012
Sodipamav January 2010 - March 2010
Company of Quarries and Transport Menara September 2009 - October 2009
Fiduciary AL HEFD April 2009 - June 2009
Skills
Customer Service, Banking, Management, Financial Intelligence, Microsoft Excel, Access, Outlook, Information Technology, Teamwork, Microsoft Office, Customer Satisfaction, Team Management, Team Leadership, Auditing, SQL, IT Management, Finance, Financial Analysis, Analysis, Relationship Management, VB.NET, XHTML, Internal Controls, Strategic Planning, Time Management, Data Analysis
Education
Fisher College 2015 — 2015
Bachelor of Science (B.S.), Business Administration and Management, General
School of Computer Science, Management and Administration 2008 — 2010
Computer/Information Technology Administration and Management
Asian American Civic Association 2012 — 2013
Banking and finance
IT University Online
Information Technology
Santander Bank, N.A. February 2014 - Present
Exit Trust Realty June 2009 - January 2011
Exit Trust Realty June 2006 - June 2009
V E Canal LLC DBA Central Florida Autosales, November 2007 - September 2008
Canal Trading LLC August 2006 - September 2007
Alpha Mortgage Services February 2003 - June 2006
Exit Real Estate Results February 2003 - June 2006
Skills
Strategy, Business Development, Finance, Management, Mergers & Acquisitions, Customer Service, Business Analysis, Critical Thinking, Spanish, Budgets, Sales, Portfolio Management, Commercial Real Estate, Sales Operations, Retail, Product Development, Insurance, Leases, Pricing, Negotiation, Data Mining, SQL, Tableau, Excel, Advanced Excel, Project Management
Education
MIT Entrepreneur Forum
Harvard University 2014 — 2016
Certificate, Managemment
Full Sail University 2013 — 2015
Master's degree, Business Intelligence
Rollins College 2011 — 2013
B.A., Economics, 3.56
Pontificia Universidad Javeriana 1997 — 2000
Computer Engineering, 3.7
Colegio Gimansio los Farallones 1982 — 1993
High School
WWRD US, LLC October 2013 - Present
On Campus Marketing April 2013 - October 2013
WorkWave September 2011 - January 2013
Santander Bank, N.A. May 2011 - September 2011
Industrial Controls Distributors LLC April 2010 - May 2011
Education
Monmouth University 2009 — 2011
Bachelor of Science (B.S.)
Finger Lakes Community College 2007 — 2009
Associate of Science (A.S.)
Bank of the West February 2015 - Present
Santander Bank, N.A. May 2013 - January 2015
Santander Bank, N.A. January 2012 - May 2013
IE Annual Social Responsibility Forum November 2010 - December 2011
Sovereign Bank / Banco Santander June 2011 - August 2011
Scotiabank December 2008 - July 2010
Blackmont Capital Inc. September 2007 - December 2008
CI Investments November 2006 - September 2007
Skills
Strategy, Business Strategy, Analytics, Banking, CRM, Change Management, Management, Leadership, Management Consulting, Project Management, Financial Modeling, Business Analysis, Financial Analysis, Portfolio Management, Negotiation, SAS, Finance, Project Planning, Business Planning, Regulatory Requirements, SOX Compliancy, Compliance, Internal Audit, Risk Management, Analysis, Consulting, Team Leadership
Education
IE (Instituto de Empresa) 2010 — 2011
IMBA, International MBA
University of Toronto 2000 — 2005
Bachelor of Science (BSc), Mathematics and Statistics
Kooshesh
Santander Bank, N.A. February 2014 - Present
TD May 2013 - February 2014
WSFS Bank October 2011 - May 2013
Wilmington Trust April 2009 - October 2011
Skills
Commercial Real Estate..., Underwriting, Banking Relationships, Commercial Lending, Commercial Banking, Retail Banking, Portfolio Management, Credit Analysis, Commercial Mortgages, Small Business Lending, Risk Management, Credit Risk, Loans, Banking, Credit, Relationship Management, Financial Analysis
Education
Wilmington University
Bachelor of Business Administration (B.B.A.), Finance
Gwynedd-Mercy College
Business Management
Santander Bank, N.A. April 2011 - Present
Wachovia Bank, a Wells Fargo Company April 2009 - April 2011
Wachovia April 2007 - April 2009
Skills
Retail Banking, Leadership, Public Speaking, Coaching, Talent Management, Community Outreach, Communication Skills, Track Record Of Success, Credit, Small Business Lending, Commercial Lending, Commercial Banking, Banking, Management, Loans, Consumer Lending, Relationship Management, Credit Analysis, Commercial Mortgages, Financial Services, Cross Selling, Mortgage Lending, Lines Of Credit
Education
University of New Haven 1999 — 2001
Master of Science (M.S.), Finance and Financial Planning
Fashion Institute of Technology 1983 — 1986
B.S., Marketing and Manager, Business Management
Santander Bank, N.A. July 2014 - Present
PwC September 2010 - July 2014
Ally Financial Inc. February 2009 - December 2009
Skills
CPA, Financial Services, Banking, SEC filings, Project Management, Communication, Creative Problem Solving, Real Estate Investor, Microsoft Office, Auditing, Accounting, Financial Statements, US GAAP, Big 4, Financial Reporting, FASB, Sarbanes-Oxley
Education
Penn State University 2008 — 2009
Bachelor of Science (BS), Finance, General
Harrisburg Area Community College 2005 — 2007
Commonwealth of Pennsylvania May 2011 - Present
TD April 2010 - January 2011
Santander Bank, N.A. July 2009 - April 2010
Fulton Bank October 2008 - July 2009
St. Joseph's Regional Medical Center September 2007 - October 2008
Barnert Hospital April 2002 - September 2007
Education
University of Phoenix 2012 — 2015
Bachelor of Science (B.S.)
Gibbs College 2002 — 2004
Associate's degree
Santander Bank, N.A. July 2011 - Present
SolomonEdwards September 2008 - July 2011
NOVA Savings Bank 2001 - 2011
Allegiance Bank September 2007 - September 2008
Continental Bank April 2006 - September 2007
alliance bank October 2000 - April 2006
Skills
Cross Selling, Core Banking, Sales, Customer Service, Credit, Deposits, Branch Management, Home Equity Lines of..., KYC, Retail Banking, Consumer Lending, Relationship Management, Loan Origination, Loans, Management, Portfolio Management, Financial Risk, Financial Analysis
Education
Harcum College 1980 — 1982
Associate of Science (A.S.), Tourism and Travel Services Management
ARCHBISHOP CARROLL HIGH SCHOOL 1975 — 1979
DIPOLMA, BUSINESS
Keller Williams Realty Monmouth/Ocean October 2014 - Present
Santander Bank, N.A. August 2007 - October 2014
Commerce Bank 1997 - August 2007
Realty Executives 1994 - 1998
Real Estate Recovery/Resolution Trust Corp (RTC) 1994 - 1996
Eichler Fayne & Associates 1992 - 1994
Skills
Investment Properties, Real Estate Financing, Real Estate, Residential Mortgages, Loans, NJ Licensed Realtor, Member of the..., Real Estate Development, Real Estate Investor, FHA financing, Construction Finance, Multi Family Properties, First Time Home Buyers, New Home Construction, Condos, Second Homes, Summer Rentals, Residential Homes, Selling, Buying, Property, Waterfront, Oceanfront, Farms, Relocation, Referrals, Realty, Townhouses, Investors, Luxury, Rentals, Vacation Rentals, Rehabilitation, Renovations, USDA Financing, VA Loans, Buyer Representation, Monmouth County, Ocean County
Education
Florida Atlantic University 1989 — 1994
Bachelor of Business Administration (BBA), Real Estate/Urban Land Economics
Peirce College 1986 — 1989
Associate of Science (AS), Paralegal Studies/Court Reporting
Santander Bank, N.A. October 2005 - February 2014
Bank of America June 1993 - August 2005
Skills
Customer Service, Microsoft Excel, Loans, Microsoft Word, Microsoft Office, Office Management, PowerPoint, Sellers, Translation, Excellent interpersonal..., Leadership
Education
New England College of Business and Finance 2006 — 2008
Bachelor of Business Administration (B.B.A.), Business Administration and Management, General
Housatonic Community College 1994 — 1995
Bachelor of Business Administration (B.B.A.), Business Administration and Management, General
Santander Bank, N.A. December 2013 - Present
Skills
Management, Banking, Credit, Retail Banking, Loans, Customer Service, Commercial Banking, Risk Management, Credit Analysis, Portfolio Management, Consumer Lending, Project Management
Education
Fanshawe College
FINANCIAL SERVICES, Finance, General
Santander Bank, N.A. August 2008 - Present
Commerce Bank April 1999 - August 2008
PNC Bank June 1996 - May 1999
Skills
Private Equity, Credit Analysis, Asset Based Lending, Commercial Lending, Cash Management, Interest Rate..., Foreign Exchange..., Trade Finance, Due Diligence, Loans, Finance, Credit, Portfolio Management, Banking, Financial Services, Management, Financial Modeling, Financial Analysis, Relationship Management
Education
NYU Stern School of Business 2002 — 2004
MBA, Finance and Entrepreneurship
Harvard University 1992 — 1996
AB, Economics
Santander Bank, N.A. December 2014 - Present
Education
Fordham University 2010 — 2014
Bachelor's Degree
Le Moyne College
Santander Bank, N.A. 2015 - Present
Viel Tradition 2012 - 2014
Kepler Capital Markets 2011 - 2012
CIMD - Intermoney Valores 2006 - 2011
GESMOSA - Ahorro Corporacion 2001 - 2006
International Business Training 1996 - 1998
Skills
Financial Markets, Fixed Income, Bloomberg, Corporate Finance, Capital Markets, Government Bonds, Bonds, Investment Banking, Swaps, Equities, Derivatives, Valuation, Mergers & Acquisitions, Negotiation and..., New Business Development, Private Equity, FX Options, Hedge Funds, Client and Account..., Team Development, Options, Due Diligence, Trend Analysis and..., SENAF (electronic..., Operational Risk...
Education
Harvard Extension School 2014 — 2016
Professional Certificate, General Management
Universidad Pontificia de Comillas Madrid
Master of Science (MS), Financial Markets
ICADE - Universidad Pontificia de Comillas
Bachelor of Arts (BA), Business Administration, Major In Finance
Lyçée Français de Madrid
French Baccalaureat, Science; and Spanish Bachillerato
Santander Bank, N.A. May 2014 - Present
Banco Santander (formerly known as Banesto) March 2011 - July 2012
Banco Santander (formerly known as Banesto) February 2009 - February 2011
Banco Santander (formerly known as Banesto) September 2007 - January 2009
Ernst & Young September 2005 - September 2007
Made in the World (Business Incubator) November 2004 - July 2005
3M June 2004 - June 2005
Skills
Banking, Restructuring, Capital Markets, Project Finance, Analysis, Spanish, Sales Management, Structured Finance, Business Strategy, Derivatives, Negotiation, Strategy, Managerial Finance, Financial Services, Loans, Start-ups, Accounting, Business Development, Financial Modeling, Business Planning, Portfolio Management, Finance, Valuation, Financial Analysis, Market Research, Credit Risk, Investment Banking, Auditing, Financial Risk, Investments, International Business, Credit, Corporate Finance, Forecasting, Risk Management, Private Equity, Financial Markets, Financial Structuring, Mergers & Acquisitions, Emerging Markets, Social Impact
Education
Hult International Business School 2012 — 2013
Master of Business Administration (MBA), Finance, General
Universidad Autónoma de Madrid 2001 — 2005
Business and Administration., Selected Coursework: Statistics, Finance, Marketing
Nuestra Señora del Recuerdo 1987 — 2000
Santander Bank, N.A. 2003 - Present
Blue Bird Corporation 1995 - 2004
Skills
Strategic Planning, Financial Analysis, Budgets, New Business Development, Forecasting
Education
Georgia College and State University 1988 — 1992
Santander Bank, N.A. November 2014 - Present
JP Morgan Chse December 2013 - April 2014
JPMorgan Chase December 2013 - April 2014
Capital One Bank. April 2012 - March 2013
Compliance Consultant 2004 - April 2012
BankUnited February 2011 - March 2011
Qpay Inc. June 2007 - June 2010
Qpay Inc. June 2007 - June 2010
State of Florida Division of International Banking January 1990 - September 2000
Skills
Bank Secrecy Act, AML, Compliance, Banking, Policy, USA PATRIOT Act, BSA, Auditing, OFAC, Due Diligence, KYC, Sanctions, Fraud Prevention, CAMS, Fraud, Risk, Compliance Training, Risk Assessment, Risk Management, Operational Risk, Compliance Management, Operational Risk..., Enterprise Risk..., FCPA, Government Auditing, Legal Compliance, Securities, SEC, Anti Money Laundering, Certified Fraud Examiner, Sanction, Anti-fraud, Private Investigations, Financial Regulation, Asset Managment, Sarbanes-Oxley Act, Anti-corruption, Fraud Detection, Financial Risk, Series 7, Certified Anti-Money..., CIP, Corporate Governance, Financial Services, FINRA, Mergers & Acquisitions, Regulations, Internal Audit, Financial Institutions, Accounting
Education
Florida International University 2002 — 2003
Master's degree, Public Administration
Florida International University 2001 — 2003
MPA, Business/Managerial Economics
Santander Bank, N.A. June 2013 - Present
McLagan January 2008 - June 2013
Clark Consulting May 2007 - November 2009
Skills
Executive Pay
Education
Fitchburg State College
Bachelor's degree, Business Administration and Management, General
Santander Bank, N.A. September 2012 - Present
Orinthia Partners, A Property Preservation Company January 2008 - January 2009
Roxbury Technology Corporation 2009 - 2009
First Franklin Financial January 2004 - January 2008
SouthCoast Mortgage & Investment Corp. November 2000 - December 2003
Hansen Quality Loan Services October 1998 - October 2000
BankBoston Corp. July 1988 - October 1998
Skills
Contract Negotiation, Online Advertising, Marketing Strategy, Project Management, Customer Service, Retail, Training, Management, Competitive Analysis, Product Development, Customer Satisfaction, B2B, CPG Sales and Marketing, New Business Development, Small Business Lending, Sales Process, Business Planning, Mortgage Lending, Customer Retention, Sales Operations, Banking, Budgets, Loans, Strategy, Direct Sales, Cross-functional Team..., Team Management, Recruiting, Business Strategy, Business Analysis, Operations Management, Leadership, Selling, Financial Services, Salesforce.com, Investments, Process Improvement, Forecasting, Distribution Strategies, Alternative financing, Finance
Education
Epiphany Lutheran
Howard University
BBA, Finance
Nazareth Regional High School
Santander Bank, N.A. February 2014 - December 2014
Santander Bank, N.A. May 2012 - February 2014
Mercer November 2004 - May 2012
GSD&M December 2003 - November 2004
Putnam Investments August 2002 - November 2003
Arnold Worldwide June 1995 - August 2002
Skills
Competitive Analysis, Human Resources, Marketing, Management, Leadership, Product Marketing, Outsourcing, Business Strategy, Advertising, Marketing Strategy, Brand Development, Sales, Product Development, Employee Benefits, CRM
Education
Harvard University 1991 — 1995
BA, English
Santander Bank, N.A. November 2013 - Present
Cushman & Wakefield August 2009 - October 2013
Medco Health Solutions March 2003 - August 2009
Citigroup 1987 - 2002
Education
Fordham University - Graduate School of Business Administration 1988 — 1990
MBA
Citi June 2010 - Present
Citigroup Capital Markets 2005 - 2010
Santander Bank, N.A. 1997 - 2004
Dain Bosworth Inc. (now RBC Capital Markets) 1993 - 1995
Skills
- Fluent in English,..., - Proficient in..., - Series 24 (Securities..., Management, Strategy, Finance, Investment Banking, Capital Markets, Equities, Structured Finance
Education
Georgetown University 1995 — 1997
MSFS, International Studies, Trade & Finance (Washington, DC)
Macalester College 1989 — 1993
BA, Political Science & International Studies (St. Paul, Minnesota)
Centre d'Etudes Européennes 1991 — 1992
Program in Economics & Political Science (Toulon & Paris, France)
Centro Universitario México 1986 — 1989
High School, (Mexico City, Mexico)
Santander Bank, N.A. January 2013 - Present
USI Affinity September 2012 - December 2012
TD Insurance January 2012 - September 2012
TD Insurance November 2009 - January 2012
TD Bank January 2008 - October 2009
TD Banknorth July 2007 - January 2008
Skills
Product Management, Product Development, Revenue Forecasting, Profitability Modeling, Retail Banking, New Business Development, Banking, Sales Management, Financial Services, Analytics, Strategic Planning, Segmentation, Management
Education
Gordon College 2001 — 2005
Bachelor of Arts (B.A.), History
Santander Bank, N.A. May 2015 - Present
NewStar Financial, Inc March 2012 - May 2015
Augusta Select Tissue, LLC September 2007 - November 2010
IFC Credit Corporation October 2002 - September 2007
Credit Lyonnais, Lyon Credit Corp February 1994 - February 2002
Tokai Financial August 1992 - December 1993
Chrylser Capital 1986 - 1992
Citicorp Industrial Credit 1981 - 1986
Skills
ExpertTeam Building..., New Business Development, Consultative Selling, Expert Negotiation..., Strategic Planning, Credit, Pricing, Salesforce, Capital IQ, Supertrump, Salesforce.com, Finance, Credit Analysis, Financial Analysis, Competitive Analysis, Business Development, Selling, Leadership, Start-ups, Process Improvement, Sales, Financial Services, Sales Management, P&L Management, Loans, Contract Negotiation, Executive Management, Team Building, Operations Management, Structured Finance, Restructuring, Asset Based Lending, Portfolio Management, Financial Modeling, Due Diligence, Financial Structuring, Corporate Finance, Investments, Mergers & Acquisitions, Commercial Lending, Middle Market
Education
Georgia State University - J. Mack Robinson College of Business 1972 — 1976
BBA, Finance
Banco Santander Puerto Rico July 2015 - Present
Saldo January 2014 - Present
Santander Bank, N.A. February 2015 - July 2015
Banco Santander July 2009 - January 2015
Banco Santander Mexico June 2006 - July 2009
Vector Casa de Bolsa August 2004 - May 2006
SECRETARIA DE FINANZAS January 2001 - December 2001
Skills
Banking, Credit Risk, Capital Markets, Derivatives, Corporate Finance, Portfolio Management, Financial Analysis, Fixed Income, Liquidity Risk, Interest Rate Risk..., Asset Allocation, Regulatory Capital, Financial Risk, Structured Finance, Financial Markets, Análisis financiero, Banca, Derivados, Finanzas corporativas, Gestión de cartera de..., Mercado de capitales, Mercados financieros, Rentas fijas, Riesgo de crédito, Riesgo financiero, Administración y..., Gestión de riesgos, Finanzas, Management, Estrategia empresarial, Finanzas estructuradas, Risk Management
Education
IE (Instituto de Empresa) 2012 — 2014
Master of Business Administration (MBA)
London School of Economics and Political Science 2010 — 2010
FINANCIAL RISK MANAGEMENT
Fundación Universidad de las Américas, Puebla, A.C. 2006 — 2009
MAESTRIA, FINANZAS CORPORATIVAS
Fundación Universidad de las Américas Puebla 2000 — 2005
LICENCIATURA, ECONOMIA
The University of Manchester 2003 — 2004
INTERNATIONAL ECONOMICS
Santander Bank, N.A. April 2013 - Present
OneSource Business Solutions October 2012 - Present
Wells Fargo Bank October 2010 - October 2012
Transworld Systems June 2009 - October 2010
Manaras February 2003 - May 2009
Hauck Manufacturing Company August 1991 - August 2002
Hershey Entertainment & Resorts August 1985 - August 1991
Skills
Sales Presentations, Management, Account Management, Customer Service, Budgets, Mortgage Lending, CRM, FHA, Financial Analysis, Sales Operations
Education
Penn State University 1982 — 1984
BS, Business Administration
HACC, Central Pennsylvania's Community College 1980 — 1982
AA, Business Administration
Santander Bank, N.A. November 2010 - Present
New York Commercial Bank June 2008 - October 2010
Citibank February 1998 - May 2008
BNY Mellon 1988 - 1998
Skills
Portfolio Management, Banking, Credit, Financial Services, Risk Management, Credit Analysis, Capital Markets, Financial Analysis, Loans, Commercial Banking, Financial Modeling, Commercial Lending, Investments, Finance
Education
Fordham Gabelli School of Business 1993 — 1995
MBA
Lehigh University 1983 — 1987
BS, Finance
Santander Bank, N.A. 2004 - Present
Education
Fairleigh Dickinson University-Florham Campus
Master of Business Administration (M.B.A.)
Franklin & Marshall College
Bachelor's Degree
Santander Bank, N.A. March 2007 - Present
Image Remit February 2001 - August 2006
Bank Boston 1998 - 2000
Bank Boston January 1995 - February 1998
Skills
Customer Service, Credit, Time Management, Portfolio Management, Sales
Education
Fitchburg State University 1982 — 1985
B.S., Education
Santander Bank, N.A. April 2014 - Present
Geoban USA (Banco Santander) April 2011 - April 2014
4sight Technologies November 2009 - June 2011
EMC June 2009 - August 2009
Infosys December 2006 - August 2008
Infosys July 2006 - November 2006
Infosys July 2004 - June 2006
Bosch August 2003 - September 2003
Skills
Business Analysis, Change Management, Integration, Banking, SDLC, Requirements Gathering, Business Process..., SQL, Core Banking..., Business Transformation, Project Management, Risk Management, Resource Management, Retail Banking, Gap Analysis, MS Project, Visio, Java, JavaScript, Consulting, Project Planning, Management, Requirements Analysis, Leadership, Databases, Oracle, Analysis, Business Intelligence, Vendor Management, Microsoft SQL Server, Software Project..., Data Warehousing
Education
Hult International Business School 2008 — 2009
MBA, Finance
Visvesvaraya Technological University 2000 — 2004
Bachelors of Engineering, Mechanical
Bhawan's Sawan Public School 1990 — 1999
Santander Bank, N.A. November 2014 - Present
Capgemini May 2012 - April 2014
Capgemini July 2004 - April 2012
NIIT Technologies Limited July 2000 - June 2001
Skills
Banking, CCAR Reporting, Data Warehousing, Data Quality, Data Masking, Data Integration, Ab Initio, ETL, PL/SQL, SAS, QlikView, Microsoft Excel, Business Objects, Requirements Analysis, Agile Methodologies
Education
Gujarat University 1997 — 2000
B. Sc., Electronics
Indira Gandhi National Open University
PGDCA, Software
NIIT
GNIIT, Information Technology, A
Mt.Washington Bank August 2012 - Present
Santander Bank, N.A. January 2012 - August 2012
Citizens Bank July 2005 - December 2011
Education
Guru Nanak Dev University 1984 — 1986
MBA, Marketing, Finance
DAV College Jalandhar 1980 — 1983
B Com., accounting;marketing & finance
Santander Bank, N.A. September 2013 - Present
Citibank September 1997 - July 2013
Arrow Electronics 1997 - 1997
JP Morgan Chase 1989 - 1996
Skills
Lines Of Credit, Credit, Banking, Commercial Banking, Commercial Lending, Loan Origination, Mortgage Lending, Credit Analysis, Treasury Management, Loans, Portfolio Management, Asset, Small Business Lending, Financial Analysis, Cash Management, Finance, Relationship Management, Credit Risk, Consumer Lending, Commercial Mortgages, Corporate Finance
Education
New York University - Leonard N. Stern School of Business 1990 — 1994
MS, Statistics & Operations Research
Hofstra University 1986 — 1988
BA, International Business
Santander Bank, N.A. December 2001 - Present
Empire State Development 1997 - 2001
Education
Hofstra University
Santander Bank, N.A. September 1999 - Present
Harris Savings Bank (Sovereign Bank) May 1998 - September 1999
Skills
Instructional Design, ADDIE, Captivate, Training Delivery, Blended Learning, Instructor-led Training, Learning Management, Needs Analysis, Training, Banking, Retail Banking, Loans, Consumer Lending, Employee Training, Workshop Facilitation, Management
Education
HACC, Central Pennsylvania's Community College
Associates Degree, General Studies
Santander Bank, N.A. March 2015 - Present
Liberty Mutual Insurance July 2013 - March 2015
Brown-Forman May 2012 - August 2012
F-M Management Consulting January 2010 - May 2011
IBM Global Business Services (Formerly PwC Consulting) August 2008 - November 2009
Skills
Mandarin, Chinese, Financial Modeling, Valuation, Management Consulting, Corporate Finance, Due Diligence, Private Equity, Business Strategy, Mergers, Financial Analysis, Competitive Analysis, Market Entry, Market Research, Finance, Mergers & Acquisitions, Business Planning, Strategic Financial..., Business Analysis, Data Analysis, Financial Reporting, Project Management, Auditing, Strategy, Investment Banking, Leadership, Process Improvement, Forecasting, Change Management, Business Development, Internal Controls, Strategic Planning, Management, Accounting, Sarbanes-Oxley Act, Managerial Finance, Analysis
Education
University of Virginia - Darden Graduate School of Business Administration 2011 — 2013
MBA, Business Administration
Fudan University 2004 — 2008
Bachelor, School of Management, Management Science and Engineering
Shanghai High School 2001 — 2004
Santander Bank, N.A. 2013 - Present
Wells Fargo February 2011 - October 2013
PRWT Services, Inc November 2008 - February 2011
G*town Entertainment January 2005 - January 2006
Ruby Tuesday's January 2004 - January 2006
Elektra Records August 2000 - May 2003
Skills
Entertainment, Inventory Management, Retail Banking, Strategic Financial..., Marketing, Time Management, Customer Service, Retail, Financial Analysis, Credit, Loans, Credit Analysis, Leadership, Jack & Jill Regional..., Sales, Marketing Strategy, Investments, Finance, Relationship Management, Management, Payroll, Public Speaking, Microsoft Office, Social Media
Education
Weichert Realty 2008 — 2009
Graduate, Real Estate
Hampton University 1999 — 2004
Bachelor of Science, Marketing; Business Administration
Woodward Academy 1995 — 1999
Santander Bank, N.A. October 2014 - Present
IDBI Bank July 2008 - September 2012
Skills
Retail Banking, Banking, Core Banking, Branch Banking, Commercial Banking, Relationship Management, Cross Selling, Customer Service, Mortgage Lending, Financial Services, Loans, Credit, Credit Cards, Consumer Lending
Education
University of Massachusetts Lowell 2014 — 2017
Master of Business Administration (M.B.A.), Management Information Systems, General
Gujarat University 2006 — 2008
Master of Business Administration (M.B.A.), Finance, General
Gujarat University 2003 — 2006
Bachelor of Science (B.Sc.), Geology/Earth Science, General
Santander Bank, N.A. June 2014 - Present
PAREXEL September 2013 - June 2014
PAREXEL August 2011 - September 2013
PAREXEL January 2008 - July 2011
EMD Serono July 2006 - November 2007
Peabody Essex Museum September 2005 - February 2006
Skills
Human Resources, Onboarding
Education
Northeastern University 2011 — 2013
M.S., Corporate & Organizational Communication
Northeastern University 2009 — 2010
Graduate Certificate, Human Resources Management
Gordon College 2002 — 2006
B.A., Psychology
Santander Bank, N.A. September 2013 - Present
Santander Bank, N.A. December 2006 - September 2013
Banco Santander Puerto Rico March 2003 - December 2006
Skills
Banking, Credit, Commercial Banking, Financial Analysis, Credit Risk, Retail Banking, Risk Management, Credit Analysis, Portfolio Management, Financial Risk, Loans, Corporate Finance, Financial Services, Commercial Lending, Management, Financial Modeling, Capital Markets, Finance, Investments, Business Strategy, Relationship Management, Mortgage Lending, Operational Risk, Consumer Lending, Basel II, Enterprise Risk..., Asset Based Lending, Loan Origination
Education
Harvard Business School 2010 — 2010
General Management Program, Business Administration and Management, General
Middlesex University 1988 — 1992
Bachelor of Arts (B.A.), Business Administration and Management, General
Universidad Pontificia Comillas 1988 — 1992
Bachelor of Arts (B.A.), Business Administration and Management, General
Santander Bank, N.A. October 2014 - Present
CRT Capital LLC October 2010 - October 2014
Citizens Bank April 2004 - January 2009
Skills
Small Business Lending, Lines Of Credit, Commercial Lending, Credit, Loans
Education
Hobart and William Smith Colleges 1980 — 1984
BA, English Economics
Realty Capital Securities October 2014 - Present
Santander Bank, N.A. October 2012 - April 2013
Santander Bank, N.A. October 2010 - October 2012
Skills
Grant Writing, Fundraising, Accounting, Accounts Payable, Accounts Receivable, Access, Cost Accounting, Financial Analysis, Corporate Finance, Financial Reporting, Sales, Sales Presentations, Property & Casualty..., Term Life Insurance, Insurance, Banking, Retail Banking, Retaining Customers, Cross Selling, Cultural Awareness, Cultural Diversity, Microfinance, Microsoft Office, Office Administration, Finance, Commercial Lending, Customer Retention, Financial Risk, Investments, Loans, Management, Customer Service, Commercial Banking, Credit, Training, Outlook, Building Relationships, Microsoft Excel, Forecasting, Time Management, Data Analysis, Account Reconciliation, Leadership, Life Insurance, Cash Flow, Deposits, Auditing, Credit Cards, Small Business, Lines Of Credit
Education
Bentley University 2003 — 2007
Attended for BS in Corporate Finance and Accounting, Minor in International Business
Fitchburg State College 2002 — 2003
Dual Enrollment HS Program
Rouen Business School / ESC Rouen
Semester of Study Abroad, International Business
Santander Bank, N.A. April 2012 - Present
Bank of America March 2011 - April 2012
People's United Bank March 2007 - March 2011
Skills
Consumer Lending, Branch Management, Small Business Lending, Banking, Loans, Cross Selling, Portfolio Management, Retail Banking, Customer Experience, Relationship Management, Credit, Customer Service, Refinance, Commercial Banking, Sales, Mortgage Lending, Commercial Lending, Mortgage Banking, Deposits, Credit Analysis, Loan Origination, Lines Of Credit, Commercial Mortgages, Finance, Leadership, Investments, Strategic Financial..., Branch Banking, Residential Mortgages, Home Equity Lines of..., Home Equity Loans, Financial Services, Series 6, Credit Risk, Series 63, Private Banking, Financial Planning
Education
Holyoke Community College 2002 — 2005
associates, Business Admin.
West Springfield High School 2000 — 2001
Santander Bank, N.A. November 2014 - Present
National Bank of Canada December 2011 - October 2014
•Portfolio strategy analyst for Cassandra Capital Partners (US hedge fund) March 2008 - December 2008
Skills
Strong knowledge of..., Solid knowledge of new..., Matlab , VBA/Excel ,..., Derivatives, Stress Testing, Market Risk, SAS, Portfolio Management, Credit Risk, Econometrics, Basel II, Economic Capital, Time Series Analysis, Financial Risk, Financial Markets, Quantitative Finance, Credit
Education
HEC Montréal 2005 — 2013
Doctor of Philosophy (PhD), Quantitative Finance
Université du Québec à Montréal, Canada 2002 — 2004
MSc, Applied Finance
Institut Supérieur de Gestion de Tunis, Tunis, Tunisia 1997 — 2001
BSc, Business Administration (concentration Finance)
Santander Bank, N.A. February 2005 - Present
Waypoint Bank October 2000 - February 2005
Harris Savings Bank June 1990 - October 2000
Skills
Excel, Word, Access, Banking, Retail Banking, Cash Management, Customer Service, Team Building, Sales, Vendor Management, Coaching, Retail, Leadership, Management
Education
Harrisburg Area Community College 1989 — 1990
Business
Red Land High School 1984 — 1989
Graduated, College Prep
CBIZ January 2015 - March 2015
Santander Bank, N.A. October 2012 - May 2014
Internal Revenue Service September 2011 - August 2012
State of Alaska Court System August 2009 - August 2010
Sullivan & Cromwell LLP October 1999 - April 2002
Howard University School of Law February 1997 - May 1999
US Securities and Exchange Commission May 1997 - August 1997
Holland Capital Mangement February 1994 - April 1996
Motse Maria High School January 1993 - December 1993
Motorola Solutions August 1990 - May 1992
Skills
Contract Negotiation, Contract Drafting, Legal Research, Mergers, Securities, Trusts, Tax, Legal Writing, International Tax, Westlaw, Due Diligence, Income Tax, Equities, Corporate Law, Negotiation, Teaching, Securities Law, Trusts and Estate Law, International Tax Law, Mergers and..., Real Estate Transactions, Tax Law, Estate Planning, Corporate Finance, Corporate Governance, Corporate Tax, Cross-border..., Wills, Legal, Estate Law, Mergers & Acquisitions, Securities Regulation, Criminal Law, Litigation, Commercial Litigation, Immigration Law, Appeals
Education
Northeastern University 2014 — 2015
Master of Business Administration (M.B.A.), Master's of Accounting and MBA
Temple University Beasley School of Law 2010 — 2011
LLM, Taxation
Duke University School of Public Policy 2002 — 2006
Masters, Public Policy
Howard University School of Law 1996 — 1999
Juris Doctor, Law
Georgetown University 1988 — 1992
Bachelor of Science, International Affairs with focus in Diplomatic History
William Fremd High School 1984 — 1988
Diploma, high school
Santander Bank, N.A. June 2012 - August 2012
Banco de Venezuela, Grupo Santander May 2008 - June 2009
BBVA Banco Provincial December 2004 - April 2008
BBVA Banco Provincial October 2002 - December 2004
BBVA Banco Provincial January 2002 - October 2002
Education
Fordham University - Graduate School of Business Administration 2011 — 2013
Master, MBA, Finance
New York University
Business Management
Universidad Central de Venezuela
BA, Economics
Santander Bank, N.A. February 2014 - Present
Citizens Bank 2002 - December 2013
First Union National Bank 1996 - 2001
Skills
Mortgage Lending, Team Building, Consumer Lending, Coaching, Small Business Lending, Credit Analysis, Loan Origination, Credit, Commercial Lending, Customer Service, Branch Management, Banking, Lines Of Credit, Retail Banking
Education
Goldey-Beacom College
Bachelor's degree, Accounting
Homesite Insurance April 2014 - Present
Santander Bank, N.A. February 2014 - April 2014
ClickSquared, Inc. August 2013 - January 2014
The State of Connecticut - Judicial Branch January 2011 - August 2013
Parul Institue of Engineering and Technology July 2007 - December 2007
Airtel January 2007 - June 2007
Skills
SSIS, Business Intelligence, SSRS, T-SQL, Microsoft SQL Server, Databases, PL/SQL, SQL, Analysis Services, Data Warehousing, Database Design, ETL, Data Modeling, .NET, Windows, XML, C#, Oracle, SDLC, Visual Studio, Stored Procedures, Business Intelligence..., Visual Basic, Dimensional Modeling, Erwin, SharePoint, VB.NET, DTS, SQL Tuning, Performance Tuning, Informatica, IIS, TFS, Datastage, SSAS, SQL Server 2000-2008, Database Development, SQL Server, SQL database design, Tableau, ArcGIS
Education
New York Institute of Technology-Old Westbury 2008 — 2010
Master's degree, Electrical and Computer Engineering
Gujarat University 2003 — 2007
Bachelor's degree, Electrical, Electronics and Communications Engineering
Santander Bank, N.A. May 2007 - Present
PNC October 2006 - May 2007
Sun National Bank 2003 - 2006
Commerce Bank 2001 - 2003
Summit Bank 1998 - 2001
CoreStates 1993 - 1998
First National Bank of Toms River 1989 - 1992
Skills
Commercial Lending, Commercial Banking, Banking, Loans, Small Business Lending, Credit, Credit Analysis, Portfolio Management, Credit Risk, Loan Origination, Lines Of Credit, Risk Management, Relationship Management, Cross Selling, Cash Management, Underwriting
Education
Georgian Court College 1985 — 1989
Bachelor of Arts (B.A.)
collection advisement February 2011 - Present
Santander Bank, N.A. November 2007 - December 2010
NCO Group August 2003 - September 2006
Skills
Microsoft Office, Microsoft Excel, Microsoft Word, Microsoft PowerPoint, Photoshop
Education
Fordham University 2000 — 2001
bilingue
national college of pr 1986 — 1990
ballicherato en criminologia
Santander Bank, N.A. May 2015 - Present
Citizens Bank September 2011 - May 2015
Chase 1990 - 2011
Skills
Mortgage Lending, Financial Services, Commercial Banking, Loans, Credit Cards, Retail Banking
Education
Georgetown University Law Center 1981 — 1984
Juris Doctor (J.D.), Law
Villanova University 1977 — 1981
Bachelor's Degree, Honors and Economics