1. STEVEN GROSS
Email: stevegross62@gmail.com Phone: 972 830
6056
EDUCATION
Bachelor of Science in Computer Science, Brooklyn College, City University of New York, 1983
PROFESSIONAL SUMMARY
Responsible, highly motivated and results oriented individual with a proven track record of over 30 years of
innovation, continued process improvement, outstanding team leadership, and a thorough commitment to any
task undertaken. Possess outstanding analytical and organizational skills, as well as excellent verbal and
written communication skills with a unique ability to communicate highly technical material to a non-technical
audience.
Operating Systems/Programming Languages/Software
Project Leadership, Full Development Lifecycle, Agile Process Methodology, SAS, SAS Enterprise Guide,
SAS Data Integration Studio, SQL, PL/1, BAL, “C”, “C++”, DB2, UNIX, Mainframe, Dialog Manager, Data
Communications, File Transfer
PROFESSIONAL EXPERIENCE
GE CAPITAL, Irving, Texas 8/14 to Present
Senior Analyst – Model Implementation
Responsible for the physical implementation of all Tier 1 models (PD, ELGD, ALLL) into a production
environment, insuring complete data governance and proper data lineage. Worked directly with model
developers to fully automate all processes, mitigate all operational risk, maintain highly stringent audit
requirements, and establish ongoing model performance monitoring. All technical aspects of model design
and usage as well as entire data lineage were required to be fully documented, archived, and available to both
internal and Federal Reserve audit.
CITIGROUP, Irving, Texas 6/08 to 8/14
Vice President – Risk Management Office of Data Governance
Senior member responsible for managing all aspects of Data Governance within the Risk Reporting Team for
Small Business Consumer and Commercial Retail Banking. Formulated overall strategy, and provided project
direction to all team members within Risk Reporting. Oversight of all areas related to Basel, CCAR,
Regulatory, Audit and Data Governance. Responsible for the design, creation and accuracy of all data
repositories, timely and accurate deliverables to all clients both internal and external, as well as the continued
development and maintenance of an extremely large, complex production environment.
Existing processes were continuously improved, and standards established which enabled the team to provide
upper management with the necessary strategic long term risk metrics required to improve the bottom line. By
successfully partnering with leaders and analysts across all business groups, our team designed, developed and
delivered the accurate analysis necessary to successfully implement critical policy changes which directly
resulted in both decreased loses and delinquencies. Encouraged direct, proactive interaction with modelers on
issues related to loan loss reserves, troubled debt reporting, expected losses, Risk Weighted Assets, and new
Basel II requirements. Used this knowledge to increase the robustness of data repositories and effectively
increase data lineage within the whole organization.
CITICAPITAL, Mahwah, NJ and Irving, Texas 4/04 to 6/08
Vice President - CitiCapital Strategic Portfolio Management
Responsible for the design, development and creation of all credit scoring reports and analysis for multiple
portfolios within Citi Capital’s Strategic Portfolio Management group. By introducing the use of the SAS
Output Delivery System to create fully formatted Excel spreadsheets which could be directly imported into
PowerPoint, the time required to produce reports for senior management was reduced from over 2 weeks to
less than one day. This innovation greatly revolutionized the way reports were created in all of CitiCapital

2. going forward. Additionally, the design of a new data repository for the two largest portfolios facilitated the
fast creation of ad-hoc reports which could now be produced within minutes instead of hours.
JP MORGAN CHASE, New York, NY 11/02 to 4/04
SAS Consultant – JP Morgan Chase Portfolio Analysis
Developed a macro driven series of SAS programs in support of a financial modeling system used to determine
potential customer elasticity based upon demographics and prior financial behaviors. A second SAS system
was also developed to identify International Private Banking Customers based upon data from a variety of
different corporate sources. Custom algorithms were created to score each customer based upon both the
number and quality of data sources in which they were found. This algorithm greatly increased the speed with
which the team was able to correctly identify those customers who belonged within the targeted group, and the
refined client list was then used as the basis for a custom direct mail advertising campaign. Analyzed and re-
wrote the Retirement Accounts Reporting System used to segment customer data within the FDIC and non-
FDIC investment arena. During my tenure, I introduced many system efficiencies which greatly reduced the
processing time and improved the overall quality of output produced.
LINENS ‘n’ THINGS CORPORATION, Clifton, NJ 4/00 to 11/02
Senior Programmer and Analyst - Marketing Department
Responsible for the development and maintenance of a Web Based sales and transaction reporting system
utilizing SAS macros and the HTML based Output Delivery System. In addition to creating both daily and
weekly sales reports, this tool was used as the basis for all subsequent analysis performed within the marketing
department. Various statistical methods such as regression analysis and variance were used to track the results
of various marketing campaigns, discover trends in customer behavior, and perform year over year sales
comparisons. This resulted in the improved scheduling and timing of marketing efforts, adjustments to
corporate policy concerning the use of couponing, and improved sales campaigns.
COMPUTER HORIZONS CORP., Mountain Lakes, NJ 6/98 to 12/99
Senior Programmer - THE PRUDENTIAL Electronic Eligibility Year 2000 Project
ELI LILLY Year 2000 Compliance Project
Responsible for the review, evaluation, and successful modification of all SAS code present within these two
large systems to mitigate any exposure due to improper date valuations. Quality assurance and rigorous testing
were subsequently performed on all modifications made to insure Y2K compliance and regression integrity of
all program output.
AEROTEK CONSULTING INC., Parsippany NJ 1/98 to 6/98
Senior Programmer for Remote Data Entry at SCHERING-PLOUGH
Analyzed, evaluated and redesigned Schering-Plough’s existing non Y2K compliant methodology for
receiving clinical pharmaceutical data from investigators located worldwide. Rewrote the existing system
using SAS CONNECT utilities to control communications with remote facilities and perform the necessary
uploads to the centralized mainframe database.
COMPUTER HORIZONS CORP., Mountain Lakes, NJ 6/96 to 12/97
Senior Programmer for the ERISA Project at THE PRUDENTIAL
As Senior Programmer and Architect for this high profile development effort, I was instrumental in creating
the design of the overall system architecture and setting system standards used throughout. These two
accomplishments proved to be extremely valuable in minimizing both the development time required and the
impact of the continuously changing project requirements. This architecture decreased development time by
over 50%, and allowed the auditing process to more easily certify results. As project lead, I was also
responsible for assessing the impact which new system requirements placed upon both system development
time and human resources.
AT&T CORPORATION, Piscataway, NJ 8/83 to 6/96
Project Leader for the Global Markets Lead List Development Group 11/95 to 6/96
As Lead Technician, Analyst and Project Leader, I assumed responsibility for all aspects of the lead generation
process with the Global Markets group. Strong interpersonal skills, as well as the ability to manage existing
resources, improve data quality, and investigate new technology were required to insure client satisfaction in
this demanding, fast paced environment.

3. Programmer/Analyst for Database Marketing Platform 5/94 to 11/95
Responsible for the design, coding and testing of database queries to provide customer profiles to the direct
marketing sales force and third-party vendors. All queries and statistical analysis were performed utilizing
PL/1, DB2, SQL, SAS, and EZTRIEVE.
Business Consultant for Systems Planning and Engineering 3/93 to 4/94
Responsible for gathering telecommunications requirements from internal clients, performing cost/benefit
analysis and making formal recommendations for the implementation of specific architectures.
Project Leader for the Commission & Quota Tracking System 12/92 to 8/93
As Project Leader for the Statistics and Reporting subsystem of this large, complex MVS mainframe system, I
was responsible for the design and creation of all physical specifications as well as resource allocation among
the entire programming staff. Introduced the use of SAS to this PL/1 based system as a tool for analyzing
system performance and providing independent audit capabilities of all system results.
Project Leader for the Product Services Information System 12/90 to 12/92
Responsible for all aspects of production support for this extremely large PL/1 MVS system. After one year I
was also assigned the added responsibility of Systems Analyst. These responsibilities included interfacing with
all 22 Bell Local Exchange Carriers (i.e. New York Telephone, Pacific Bell) concerning data quality; and the
impact of new AT&T Optional Calling Plans. Greatly improved client relations by providing timely, accurate
information concerning system logic and output generated. Introduced SAS as an independent means of
verifying the accuracy of all files and reports created.
Lead Programmer for the Product Services Information System 1/90 to 12/90
Responsible for coordinating and verifying the accuracy of all system modifications prior to
major system releases. Implemented a system wide enhancement to accommodate the new “Favorite Calling
Area” Optional Calling Plan, and coordinated the system release to all 22 Local Bell System Exchange
Carriers.
Senior Programmer for the Marketing & Sales Organization 6/88 to 1/90
Designed and coded a highly complex user interface for the Marketing Organization, which enabled users to
successfully subset data used as input into various reporting systems. User parameters for this sophisticated
user interface were captured within TSO using the MVS Dialog Manager. A SAS Macro program would
interpret the user input, and dynamically generate a customized query to retrieve the data from a Model 204
database.
Programmer for Data Communications t 8/83 to 5/88
Developed a SAS system responsible for monitoring and analyzing telecommunications traffic traveling
between AT&T data centers at each corporate site. All programs were written in SAS MACRO language to
perform the necessary value substitution based upon changing environmental factors. Results were used to set
up optimal routing patterns based on volumes from each site to its final destination. The system utilized a
variety of SAS PROCS, including PROC TABULATE, to illustrate traffic patterns.