Professional Experience

Economics

   Chief Economist, Federal Home Loan Bank of San Francisco  

   Chief Financial Economist, Chemical Bank      

• Weekly Commentary on Financial Markets      
• Member, Blue Chip Financial Panel   

   Professor, Finance & Economics, State University of New York at Binghamton     

•  Money and Capital Markets   

   Manager, Banking Studies Department, Federal Reserve Bank of New York  

• Interstate Banking      
• Glass Steagal     
•  Liability Management      
• Community Reinvestment Act  

Finance 

    Vice President, Management Sciences Department, Wells Fargo Bank      

• Shareholder Value Evaluations      
• Business Consulting      
• Merger analysis      
• Strategic Planning Analysis     
• Loan Pricing Analysis  

Marketing and Product Management  

   Vice President, Personal Credit Management, Wells Fargo Bank     

       Product Manager, Personal (Unsecured) Line of Credit            

• Strategic Positioning            
• Repricing           
• Systems Planning and Implementation           
• Merger integration       

       Auto Refinance Direct Mail Campaign       

       Analytical Marketing            

• Direct Mail Strategy and Implementation          
•  Customer Profiles                     
• Customer Profitability            
• Market and Wallet Share