Senior Vice President & Senior Line of Business CFO - TD Bank - New Jersey, U.S.
(2025-01)
CFO for COO, CIO, and Corporate Segments; US Finance Lead for Women in Leadership. Accountable for end-to-end financial planning, forecasting, and strategic initiative support across the bank's largest and most complex cost centers.
- Serve as trusted financial advisor to six US Management Committee members, providing investment business case analysis, expense driver intelligence, and data-driven strategic recommendations.
- Oversee the bank's largest-ever remediation program, encompassing 100+ concurrent projects and $1B+ in cash spend — managing financial controls, milestone tracking, and board-level reporting.
- Architecting cost transformation strategy across technology and COO functions — leveraging AI/automation, labor optimization, and vendor rationalization — projected to deliver >$200M in savings by FY2029 while materially improving ROI through reduced unit costs.
- Champion enterprise-wide financial planning and management reporting for ~$5B expense portfolio, ensuring transparency and accountability across all business units.
- Executive sponsor and US Finance Lead for Women in Leadership, advancing measurable diversity and inclusion outcomes across the finance organization.
Senior Vice President, Line of Business CFO - TD Bank - New Jersey, U.S.
(2022-03 - 2025-01)
CFO for US Wealth and Corporate Segments, with full financial accountability across all wealth management segments and product lines.
- Directed budgeting, forecasting, and strategic analysis for the full US Wealth business — spanning High Net Worth, Mass Affluent, Mass Retail, Institutional, and B2B segments, and all products including deposits, investment management, RESL, and trust.
- Played a pivotal leadership role in the consumer bank-wide transformation of the retail distribution network, repositioning the franchise for Mass Affluent growth.
- Partnered with senior business leaders to align financial strategy with long-term growth objectives, enabling data-driven decision-making at the executive level.
Vice President, Capital Management Group - TD Bank - New Jersey, U.S.
(2021-01 - 2022-02)
Led Capital Planning and Policy for US legal entities; primary interface with US regulators and senior management on capital optimization and risk-adjusted returns.
- Managed capital planning and forecasting for ~$500B in leverage assets and ~$250B in Risk Weighted Assets (RWA) across US legal entities and line-of-business allocated capital.
- Owned and maintained the US Capital Policy governing capital contingency planning and consumption guidelines; presented capital adequacy dashboards and reports to the Federal Reserve Board and US boards and committees.
- Spearheaded special projects on capital policy reform and risk-adjusted return optimization, including external benchmarking, framework development, and executive-level materials for senior leadership.
Vice President, Financial Stress Testing - TD Bank - New Jersey, U.S.
(2017-09 - 2020-12)
Built and led the PPNR Qualitative Model Development team for CCAR/DFAST and enterprise-wide stress testing; primary liaison to the Federal Reserve Board on model methodology.
- Founded the PPNR Qualitative Modeling function from inception — recruiting, onboarding, and developing a team of five; built a suite of ~40 PPNR models to forecast volumes (~$170B balances), expenses (~$6B), and non-interest income (~$2B) under stressed scenarios.
- Developed sophisticated customer-behavior-driven credit card models for Nordstrom, Bankcard, and RCS portfolios, mining large-scale customer data to predict spend and payment behavior across macroeconomic scenarios.
Vice President, Financial Stress Testing - TD Bank - New Jersey, U.S.
(2016-11 - 2017-08)
Defined and implemented end-to-end commercial stress testing processes, including idiosyncratic risk identification, model assumptions, and management actions.
- Led automation of stress testing workflows, strengthening governance and controls — resulting in closure of 50+ internal findings and a materially improved audit posture.
Director & Lead Finance Officer – Global Merchant Services - American Express Company - New York, U.S.
(2015-06 - 2016-11)
- Spearheaded the financial architecture of a Membership Rewards Joint Venture between Global Merchant Services and the Small Merchant card issuing business (OPEN), creating a novel merchant rewards ecosystem.
- Directed planning and results analysis for ~$25M operating expense and led cost-benefit analysis (NPV, IRR, ROI) for ~$12M in strategic pricing initiatives.
- Partnered with Merchant Pricing and Global Corporate Payments to evaluate and recommend competitive discount rate strategy for vPayment — a virtual card platform for Online Travel agents (e.g., Expedia).
Manager, Finance – Job Rotation Program (Risk, Corporate Planning, Treasury) - American Express Company - New York, U.S.
(2012 - 2015)
- Developed a business case securing funding for a card member re-age program: a ~$2M investment generating ~$4.2M in incremental revenue.
- Built a Marketing & Promotion expense forecasting model for regulatory stress testing, satisfactorily addressing Federal Reserve Board inquiries.
- Provided subject matter expertise on discount revenue allocation methodology for the company's new US small merchant acquiring program.
- Enhanced FX exposure identification and hedging strategies for multi-currency earnings.
IT Analyst – Eaton Corporation Engagement - Tata Consultancy Services (TCSL) - Gurgaon, India
(2005-11 - 2009-12)
- Designed and delivered a financial modeling system to automate multi-rule business evaluation — reducing forecast and budget preparation time by 50%, generating $1.4M in annual savings.
- Led a two-person team to develop 3D topographic simulation software for oil field analysis, generating $300K+ in revenue for TCSL.
