Patrick has over 20 years of credit card industry experience serving in diverse management positions within Risk Management and Marketing at several leading financial institutions. During his career, Patrick has been a leader in the development of innovative marketing solutions aimed at increasing profitable new account growth while controlling for loan loss and expense metrics. Patrick brings a unique perspective, as a leader in the credit card business, who has experienced the seismic shift from batch to real-time online account acquisitions from the lender viewpoint. Patrick has led efforts with various external suppliers, IT infrastructure, and internal business stakeholders to develop innovative platform designs to capitalize on industry trends.Before joining Barclaycard US, Patrick held senior management positions with JPMorgan Chase and Mellon Bank. He also served as an independent consultant for various industry leaders seeking to capitalize on credit card marketing trends.
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