Antony Stephen

Managing Amazon's current suite of consumer credit products (Co-Brand Credit Cards in the UK, Co-Brand Credit Cards in Germany, Installment Loans in France, Italy, Spain, Germany, UK etc) and launching new credit products in new geographies.

Finance leader for Global Payments at Amazon, supporting the following Amazon Payment Products: • Credit Cards: Chase Co Brand Card, Synchrony Store Card, Shop with Points, Marketplace, Cross Border Payments • Payment Networks: Payments Acceptance across the globe (MasterCard, Visa, Amex, Discover, JCB, Union Pay) • Gift Cards: Consumer, Brick and Mortar, Corporate • Pay w Amazon (External Payments)

• Head of Stress Testing for the Consumer and Community Bank (CCB). Responsible for delivering long term forecasts to Regulators for CCAR, DFAST, ICAAP and also execute on quarterly Risk Appetite forecast for JPM’s Risk Committee • Lead the Competitive Intelligence and Analytics team which is responsible for preparing the CEO/CFO for Investor Meetings & Earnings Calls. The team also provides analytical support for all LOBs and Corporate Strategy on key growth and M&A initiatives • Manage the CCB Finance Project Management Office which supports large scale compliance and transformation projects across the Consumer Bank

Senior Vice President – Commercial Bank Finance (Feb ‘10 – Apr '14) • Division CFO for Middle Market (C&I) Banking, Treasury Management, Capital Markets, Underwriting, Commercial Operations, Strategy & Analysis and Business Risk Office • Financial Advisor and Strategic Partner for COF’s Commercial Bank which has over $40 Billion in Loans, $30 Billion in Deposits, generating approx. $2 Billion in Revenue with over 2300 associates • Responsibilities include owning all the financial aspects of the business, supporting and setting business strategy, improving profitability, ensuring a strong controllership & compliance environment • Successfully led various large transformational initiatives for the business including Customer & Product Level Profitability, Large Scale Infrastructure Investments, Business Process Offshoring, Efficiency & Cost Management and Business & Portfolio Acquisitions • Lead a 15 person team of onsite and offshore finance managers to deliver financial reports, provide insightful business analytics and develop business budgets, forecasts and long term financial plans • Executive champion and lead contributor for Finance’s Recruiting and Talent Management program • Improved and influenced how business decisions are made by re-designing executive reporting, introducing portfolio level analytics and re-engineering the planning process Vice President – Bank Planning and Integration (Jun ‘07 – Jan ‘10) • Responsible for integrating the General Ledger, Planning\Reporting functions and Management Accounting Systems of three large banks with Capital One (Hibernia, North Fork and Chevy Chase) • Implemented a new management accounting, reporting and planning system for COF Banking Director – Corporate Planning (Feb ‘04 – May ‘07) • Responsible for the execution of Capital One’s planning processes (Budgets, Outlooks etc.) • Managed a team that delivered corporate wide reporting and supported various analytical projects

Director – MasterCard Advisors, Global Technology and Operations (Jan ‘01 – Feb ‘04) • Supported all aspects of the Sales & Strategy role from prospecting clients, creating\delivering sales presentations, writing proposals, assisting with legal contracts, managing development teams & statisticians and maintaining the client relationship • Led the Data Analytics practice for MC Advisors with a cross functional team of over 20 associates • Designed, developed and sold various analytical products to MasterCard’s member banks - MasterCard Market Scope, Consumer Transactional Patterns and Behavior, Interactive Marketing Business Intelligence • Integral part of the team that pioneered Business Process Outsourcing for MasterCard International Director – Budgeting and Financial Analysis (Mar ‘99 – Jan ‘01) • Managed MasterCard International’s Global Budgeting \ Forecasting process • Responsible for designing, developing and implementing a global budgeting \ forecasting system • Business sponsor for $10 million transformation project to re-vamp MasterCard’s financial systems • Responsible for monthly management reporting (Executive Information Book for the CEO and CFO)

• Responsible for budgeting and forecasting expenses and FTE for the Card Issuance, Payment Processing and Statement Processing functions of Citibank’s credit card operations • Helped re-engineer Citi’s statement processing function and identified $10 MM in annual savings • Prepared and distributed daily productivity reports and monthly financial reports for the Site President • Additional responsibilities included analyzing major capital expenditure proposals and managing special projects for the President of Citi Cards NV • Automated numerous functions in the finance department (global billing, management reporting and variance analysis) and achieved exceptional performance improvement and material cost savings