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Nino D.

Toscano
Nino8600@gmail.com 215-973-1614 (w) 302-593-8600 (h)

Director of Finance and Operations


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QUALIFICATIONS: Strong communicator skilled in conveying complex information and coaching and motivating teams and peers Broad experience across multiple business units with an emphasis on people, financial and project management Strategic thinker as demonstrated through leadership in numerous projects conceiving and implementing change AREAS OF EXPERTISE: Budget & Expense Management Strategic Planning / Management Financial Analysis & Reporting Profit & Loss Management Strategic Partnerships Risk Management CAREER HISTORY: Cross-functional Team Leadership Performance Metric Analysis Virtual Leadership

Wells Fargo Auto Finance, Philadelphia, Pennsylvania

Aug. 2003 to Present

Finance Manager, Auto Indirect Responsible for the development and consolidation of a $400MM+ budget and the preparation of all quarterly and annual financial statements, which included multiple analytics and variance analyses. Also supplied financial analytics, strategy and assistance in multiple rolls across multiple departments. Created and managed complex financial models to forecast revenue, expenses and income on a $24B portfolio Directed the financial management and analysis of new and ongoing bank projects Analyzed and presented financial results through monthly review sessions with senior management Achieved $15MM+ in additional revenue while serving as an SME on several Six Sigma projects Served on multiple compensation committees across the entire organization

Wells Fargo Wealth Management, Philadelphia, Pennsylvania


Manager of Operations, PennDel Region, Trust Fiduciary Support Services Lead and manage the operational, risk and compliance activities for the 3 Operations Centers (Philadelphia, Wilmington & Lancaster) that handle all transactions and responsibilities for all trust accounts in the northeast region of the U.S. Manage multiple production and risk initiatives requiring the coordination of resources, budgets and deadlines Set and effectively communicate my vision and expectations to all the teams in my charge Produced the 2nd largest volumes in the country but with 25% greater efficiency and at minimal expense Oversee multiple regional and national projects with a 100% on-time implementation success rate Implemented educational programs that lead to 10% increase in customer satisfaction levels

Wells Fargo Financial, Des Moines, Iowa


Department Manager, Central Loan Approval Office Managed the activities and operations of multiple cross-functional teams that were responsible for loan processing, documentation, price locking and pre-closing/closing tasks. Accountable for the management and development of 7 supervisors and 200+ team members. This includes coaching, influencing, performance reviews, discipline and terminations Directed the design, build and creation of a new Loan Document Specialist Department Lead the strategic planning for the department Contributed to the formulation and implementation of new and revised processes, policies and guidelines Effectively lead initiatives to clear a 90-day backlogged loan application pipeline

Program Management, Leadership Development Program A 24+ month assignment where the participants (selected through executive nomination) are rotated throughout the company to learn the various businesses that define WFF and assigned strategic projects within multiple departments. Successfully lead multiple projects in our Risk (Life of Loan Analyses), Collections (Delinquency Roll Rate Forecasting & Trending), Technology (Desktop Strategies), Strategic Partnerships (Corporate Sponsorships and Lead Source Generation), Treasury (Investment Banking, Risk Transfer and Credit Enhancement Solutions), Preferred Capital (Asset Backed Portfolio Analyses and Industry Delinquency Studies), Capital Markets (Mortgage GSE Strategies), Strategy (product research & implementation) and Audit departments Lead quarterly reviews, conducted site visits of businesses and prepared executive presentations

MBNA America Bank, N.A., Wilmington, Delaware

Aug. 1993 to Aug. 2003

Senior Financial & Budget Analyst, Marketing Development Responsible for the financial & expense management of the entire Marketing Development Division, which included: Market Research, Product Development, Product Management and Database Marketing. Lead the development, preparation and allocation of a $100MM+ annual budget, including quarterly re-forecasts Composed and prepared business justifications for new departmental initiatives and capital plans Instituted several cost reduction initiatives that reduced expenses by $8MM+ Business & Financial Analyst, Credit & Risk Control Acted as an independent consultant to identify process improvements, cost savings and other efficiencies. This included capacity planning and forecasting as it related to staffing levels and the forecasting of application and account volumes. Accountable for the expense management of $50MM across ten cost centers within the Credit & Risk Divisions Created financial models to assist business units in the forecasting of workflow Successfully compiled research and analysis required for the negotiation of a $100MM+ vendor contract Responsible for reviewing and coordinating the expense accrual process on a monthly basis Other responsibilities included: conducting business line reviews and unit cost analyses Senior Marketing Coordinator, Motorsports Marketing Responsible for business development and relationship management of various motorsport endorsing groups. This included; Championship Auto Racing Teams, The Indy Racing League and the American Motorcycle Association. Traveled to the racetracks on the Indy Car racing circuit and successfully negotiated contracts and sponsorship agreements with track promoters and owners resulting in expense savings of $7MM+ Managed a business unit of seven staff members and was responsible for their education and development Educated and managed 100+ independent contractors and vendors located throughout the United States Authored and presented reports, proposals, and account updates to senior management Successfully completed the Management Excellence Program Consistently achieved or exceeded new account goals and within budget Credit Manager, Senior Credit Analyst & Underwriter Managed a team of credit analysts and underwriters processing and underwriting requests for auto, 2nd mortgage and small aircraft loans. Decisioned credit applications for consumer & business accounts with the lending authority of up to $100M. Spearheaded a new financing plan for customers at classic car auctions lending $100M+ per vehicle Handled the demographic reporting analysis of both retail and correspondent loans Educated new credit analysts and loan processors Maintained a loan portfolio in excess of $100MM with a delinquency rate of less than 5% EDUCATION: Master of Business Administration, The University of Delaware, Newark, Delaware Dual Concentration: Finance and International Business Bachelor of Arts, The University of Delaware, Newark, Delaware Major: Economics