He has authored innovated and proactive credit policies for
sourcing/prescreening, origination, servicing and loss management in
compliance with all federal and state laws and regulations, including
GAAP for accounting and reserves, FAS 133 for hedging and derivative
reporting management, Reg. Z, ECOA, CRA, FCRA, FDCPA, HMDA, RESPA,
Basel 1 & 2, USA Patriot Act for Anti-Money Laundering, and
Sarbanes-Oxley for management information audit and controls. Mr.
Pavey has managed all aspects of servicing, including dynamic
bankcard authorizations and limit management, repricing,
renewals/reissue, collection prioritization, loss forecasting and
merchant/dealer fraud management, including use of the HNC Falcon™
Fraud Monitoring Technology, and numerous technology projects
involving the development of enterprise-wide credit risk management
and analytic data warehouse environments, bureau interfaces, and
internet applications using both HTML and Java.