Victoria T.

System Level thinking while Collaborating with various stakeholders to deliver impactful features for Zip within the Fraud detection and prevention as well as customer enrollment pillars of the business. Our customer base primarily consists of underserved American consumers with annual household incomes under $60,000. These individuals often live paycheck to paycheck and have diverse employment statuses, including full-time employees, self-employed individuals, students, and retirees. Serving this demographic requires a deep understanding of their financial needs and challenges, which guides our product development and customer support strategies. Spearheaded the implementation of a top 10 identity verification (IDV) solution to enhance customer enrollment processes, significantly improving fraud prevention measures as well as increasing approval rates by 3%. Conducted a comprehensive evaluation of IDV vendors, selecting the solution that offered optimal balance between security, user experience, and scalability. Analyzed post-implementation performance metrics to assess the effectiveness of the new IDV process, making iterative improvements based on real-time data and user feedback. Designed and developed a comprehensive front-end and back-end diagram to visualize and optimize the customer sign-up process across multiple channels, enhancing overall user experience and system transparency. Collaborated with UX/UI designers and Architect Solution Engineer to map out customer interactions and system workflows, ensuring alignment with business objectives and technical requirements. Presented findings and diagrams to executive leadership and cross-functional teams, driving strategic improvements and ensuring seamless integration of the sign-up process across digital and physical channels.

Championed the development and rollout of a new feature, Pay in 8, on the Zip App, addressing the top two customer requests identified through CX feedback. This innovative feature enables customers to enhance their purchasing ability while extending payment flexibility. This launch has provided exceptional results, with a Total Transaction Value of $86.57 Million within the initial 10 months while maintaining loss rates at 2%. Launched a BNPL (Buy Now Pay Later) and Bank Partnership for Zip Co. opening up access to financial services for underserved communities. This initiative led to a significant expansion, offering physical cards to 160,000 Zip customers. This strategic partnership not only enhanced customer convenience but also empowered individuals who may have previously been underserved by traditional banking systems. Established and led the overall roadmap, vision and OKR strategy for Consumer Compliance, Consumer Privacy, and Financial Crime for multiple Zip products which led to cost savings strategies for Compliance resulting in cost savings of $2.6 million annually and $240,000-$400,00 annually respectively. Key contributor in establishing the compliance engineering team's foundation, ensuring strict adherence to regulatory requirements and industry standards. Conducted comprehensive research, designed, and implemented several critical federal regulatory features, including the Military Lending Act (MLA), Credit Report Fraud Alerts, and the automation of the US Sanctions Program. These efforts were instrumental in enhancing Zip Co.'s regulatory compliance framework and upholding its commitment to integrity and excellence.

Tori Del is a DC fine art wedding photographer who caters to the Washington D.C., Montgomery County Maryland, Arlington County Virginia area as well as Destination locations. She cultivates the art of your love story through a fine art perspective and provides an experience not just for your wedding day but throughout your wedding journey. Multiple publications (print and web) including Essence, Munaluchi Bride and Baltimore Weddings Consistently provides White Glove Photography Service for Weddings, Engagements and Events within the DMV area and Destinations My company has established a 7 year upward trend in clientele and sales through data driven analysis and robust CRM and Marketing Campaign. Additionally, I have established a successful marketing field within various Social Media Platforms (Facebook and Instagram). 40% of the clientele comes from Social Media, 60% from referrals and repeat clients. Consistent use of Adobe services such as Lightroom and Photoshop for editing purposes as well as Marketing products. Designed and implemented Photography website. www.toridelphotography.com Enabled google analytics across website pages and social media to understand customer traffic.

Spreadhead and lead the overall product vision, strategy and roadmap for two Enterprise Platforms that together, supported 2,000+ in house customers across multiple lines of business. Researched, designed and implemented 4 features, including Cost Management, Dask for distributed and parallel model training, Credential Management and Job scheduling which enabled data scientists to build and train models within a cloud infrastructure. Effectively coordinate with multiple teach-leads and product peers to manage the delivery of product features and resolve inter-team dependencies, ensuring a cohesive end-to-end ML journey for our users. Partner closely with business stakeholders, analysts, designers, data scientists and technologists across the enterprise to imagine, test and build cutting edge solutions. Lead communications, change management, and marketing strategies targeted at a range of stakeholders to build awareness and drive adoption.

Facilitated and managed 15+ teams in Enterprise wide technical showcase, yielding 400+ guests including the CFO of Capital One. Consistently identified cross team feature dependency roadblocks in our workflow and partnered with team(s) to resolve dependencies. Coached and influenced team members including Product Owners on Agile practices such as backlog refinement, planning, and retrospectives. Maintained and managed Core Stakeholder Engagement between teams. Facilitated and managed 5+ team Program Increment demo. Created and implemented release management processes across multiple teams and trains. Identified and utilized key metrics such as velocity and Epic burndown for teams. This allowed for transparency and alignment across Release Trains.

Consistently identified cross team feature dependency roadblocks in our workflow and partnered with team(s) to resolve dependencies Coached and influenced team members including Product Owners on Agile practices such as backlog refinement, planning, and retrospectives Maintained and managed Core Stakeholder Engagement between teams Facilitated and managed 5+ team PI demo Created and implemented release management processes across multiple teams and trains Identified and utilized key metrics such as velocity and Epic burndown for teams. This allowed for transparency and alignment across Release Trains

Consistently identified cross team feature dependency roadblocks in our workflow and partnered with team(s) to resolve dependencies Coached and influenced team members including Product Owners on Agile practices such as backlog refinement, planning, and retrospectives Maintained and managed Core Stakeholder Engagement between teams Facilitated and managed 5+ team PI demo Created and implemented release management processes across multiple teams and trains Identified and utilized key metrics such as velocity and Epic burndown for teams. This allowed for transparency and alignment across Release Trains

Adhere to various competencies to drive associate performance. Maintain weekly and monthly statistics for the Inbound Loss-Mitigation department. Provide behavioral coaching for associates in order to adhere to Associate Expectations. Identify trends within the department that drive associate behaviors. Support between 50-100 Associates.

Conflict resolution, customer service and negotiation programs best suited for financial needs. Create statistical data sheet to track customer account team's performance and trends. Distinguish potential high risk accounts and develop techniques to collect money. Handle customer accounts and credit card information confidentially.

Concentration on Finance with a minor in Marketing.