C.I.B. (Challenge; Initiative; Benefit)C.I.B. #1: EMERIO

Challenge: No documented base in place for fund-raising with no one experienced in the area

Initiative: Within two months, devised the following: formatting one-page sales sheets; implemented valuations of pre-revenue, pre-research start-ups; and, provided written support of investment premise.

Benefits: First round of fund-raising facilitated by contributing the following:1. one-page valuations (one side text; one side notes) of three pre-

revenue, pre-tested concepts welcomed by those who received them;2. integrated three distinct valuation methods into well-grounded due

diligence (start-up factors analysis, comparable values and multi-scenario discounted cash-flow analysis);

3. composed readable narrative of the persistence of classic portfolio theory in BIG-DATA, algorithmic trading;

4. drafted a thirty-second elevator pitch for the hybrid product and enterprise concept (crawl, walk, run); as well as,

5. published promotions of Birmingham as a technology center, with 15,000+ reads across the world.

C.I.B. (Challenge; Initiative; Benefit)C.I.B. #2: WSI-McDigital (Tijuana)

Challenge: Technology start-ups with little-to-no support in Tijuana

Initiative: Over fifteen months: composed 31 essays, in English and Spanish, on technology transfer; composed 29 bi-lingual essays on digital marketing; as well as, authored and disseminated materials to promote digital marketing for

technology transfer in Tijuana.

Benefits: Legacy including, but not limited to, the following:1. readership of 75,000+ in Mexico and the United States2. use of materials to deploy digital marketing to enable start-ups by up

to 1,600 people across Mexico and the Americas.

C.I.B. (Challenge; Initiative; Benefit)

C.I.B. #3: Peace Corps (Querétaro, México)Centro de Ingeniería y Desarrollo Industrial (CIDESI)

Challenge: zero capacity for transferring R.&D. to the market

Initiative: Two specific and sole initiatives implemented product development cycle for new product under

development; and, crafted technology transfer techniques to CIDESI’s constraints.

Benefits: Including, but not limited to, the following:1. priced product competitively, per learning curve strategy, at 500%

initial profit and 100% mature profit margin;2. gathered intelligence through 139 weekly disseminations;3. devised market-fit strategy per lean product development model;4. reviewed 1,000+ pages of Mexican laws in Spanish to create an in-

house incubator for CIDESI5. created tactics to alpha / beta test product by two distinct

demographics of early adopters;6. levelled playing field for all participants inside CIDESI to fundamental

radical re-structuring in process through 100 essays – with a total of 15,000 reads – disseminated through CIDESI, the Tech Transfer Program of the Peace Corps and Querétaro;

7. mapped out transfer of technology beyond Mexico with off-shore sponsorship; as well as,

8. authored a five volume series in Spanish – core being an 84 page book – on a program for transferring technology; widely praised.

C.I.B. (Challenge; Initiative; Benefit)

C.I.B. #4: USAID (Kunduz, Kondoz; Afghanistan)

Challenge: collapsing road potentially lethal to children and dangerous for U.S. Army obligated to mount foot patrols in contested area

Initiative: Upon notification by foot patrol of the U.S. Army 10th Mountain Division (Fort Hood, New York):

surveyed dangerous site within an hour; reported necessity of meetings to German Army commanders,

outside of common development framework; continued relaying strengths and results of the German mission to

U.S. Embassy; as well as, secured necessary meetings and resources within one day.

Benefits: Legacy including, but not limited to, the following:1. protected foot-soldiers of the U.S. Army from confronting Taliban

without knowing the landscape of Pashtun enclave;2. knowingly anticipated and faced severe and public criticism of

German officers and other U.S. civilians;3. supervised and expedited repair of collapsed sewer in less than a

month to save lives;4. noted by U.S. Embassy as one of the few senior field officers to cite

and credit contributions of I.S.A.F. (International Security Assistance Force) of partners (i.e., Germany);

5. gave credit to U.S. Army alertness and local partners rather than myself at local shura (a town-hall meeting led by elders); as well as,

6. increased credibility of civilian advisors with the U.S. Army platoon tasked with attacking and eliminating the Taliban infiltration of otherwise peaceful province.

C.I.B. (Challenge; Initiative; Benefit)C.I.B. #5: USAID (Kunduz, Kondoz; Afghanistan)

Challenge: Lack of communications among key stake-holders

Initiative: Upon receiving notification: understood the earth-quake risk brought to my attention by

environmental engineer deployed with Georgia National Guard; sought funding for infrastructure emergencies across the province; as

well as, supported German Army officers frustrated with lack of U.S. financial

commitment.

Benefits: Legacy including, but not limited to, the following:1. secured funding, despite six rejections, to safeguard the lives of more

than 100,000 Afghans from seasonal water flooding;2. convened secret emergency summit, against various institutional

protocols, among ten senior officials (officials of the Georgia National Guard, the U.N. mission in Afghanistan as well as the provincial and local governments);

3. preserved the productivity of the Province’s fertile agricultural basin;4. catalyzed the initiation of civil preparedness measures against

earthquake risks;5. protected Pashtun (from which Taliban are recruited) village against a

flash flood; as well as,6. submitted twelve projects for the German Army civil affairs command.

C.I.B. (Challenge; Initiative; Benefit)C.I.B. #6: Multi-National Security Transition Command MNSTC-I (Baghdad)

Challenge: Commanding Officer in Baghdad (General Raymond Odierno) did not understand the mission of the Partnership Strategy Group

Initiative: Over three days: reviewed formal agreements underlying treaties of alliance; reviewed Status of Forces Agreements (S.O.F.A.s); reviewed other lower-level state-to-state agreements; as well as, clarified differences and similarities among types of agreements.

Benefits: Briefing including, but not limited to, the following elements:1. carefully noted details and provisions of 300+ agreements;2. summarized said 300+ agreements;3. classified agreements by type (i.e., level of state-to-state interaction);4. separated agreements by cultural settings (Muslim versus European);5. developed a matrix to match specific provisions to unwritten cultural

norms and expectations; as well as,6. gave General Odierno the facts and feel required to make strategic

inter-agency recommendations about the U.S. Army’s post-2011 posture.

C.I.B. (Challenge; Initiative; Benefit)C.I.B. #7: U.S. State Department (Tikrit and Balad, Iraq)Provincial Reconstruction Team-Salah ad Din Province

Challenge: Terrorist attack in Ad Dujail, Salah ad Din Province

Initiative: On one hour notice: joined the 101st Airborne artillery battalion to investigate; walked through the town and blast site for a day; confirmed the identities of 33 victims of attack by Al Qaeda; conferred with commanding officers and city leaders to understand

the general panic among local citizens; as well as, over the subsequent two days,

prepared the grant application for condolence payments.

Benefits: Including, but not limited to, the following: completed, edited and submitted grant application over seventy-two

hours; won first grant for condolence payments under new program in Iraq; attained such payments due to terrorism as opposed to accidental

killings by U.S. or coalition troops; 15+ families received restitution equal to at least five years of an

average salary; as well as, potentially contested area won over to the U.S.

C.I.B. (Challenge; Initiative; Benefit)C.I.B. #8: WorldVest Capital MarketsDivision of Trump Securities (New York)

Challenge: New private equity fund not receiving adequate attention from investment bank overseas

Initiative: During a one month period: established contact network across the Middle East; wired private equity fund into high profile events; prepared a strategy, with tactics and activities, across the region; as

well as, studied the economies of the region and their investment appetites or

availability of investible funds.

Benefits: Comprehensive plan including, but not limited to, the following:1. sold the concept of the fund, its philosophy and portfolio allocation to

key financial figures through the region2. activated independent network of twelve local investment banks and

broker / dealers in eight countries;3. scheduled head of fund to speak at a high-profile private equity

conference for the Middle East held in Dubai; as well as,4. tailored fund’s presentation to each venue.

C.I.B. (Challenge; Initiative; Benefit)C.I.B. #9: Iraq Reconstruction Management Office (Baghdad)United States Embassy; Iraq Ministry of Interior (M.o.I.)

Challenge: Lack of capacity in M.o.I. for budgeting as well as unaddressed and escalating payroll corruption.

Initiative: Outside of regular duties managing contracts: created financial modelling program; facilitated requisition of ground truth on equipping needs; elevated activity and profile of police credentialing committee; as well

as, integrated best elements of military and civilian teams previously not

communicating.

Benefits: Including, but not limited to, the following:1. comprehensive budget with 200 cost inputs (updated periodically for

two hours’ time);2. narrowed down to 5-10 inputs as value drivers;3. 95% accuracy versus 10-40% accuracy previous year;4. re-used over next five years, as updated;5. cited for best civilian contribution and most professional civilian

presentation to military in 2004 or 2005;6. needs assessment protocol for 500 separate police facilities deemed

best practice by British commanding officer;7. cited for excellence by Generals David Petraeus and Martin

Dempsey;8. cut the time required for the collection of personal information and

manufacture of identity cards for 150,000+ policemen by 80-90%;9. integrated said program into payroll budgeting to develop a reform

program aimed at eliminating 25,000+ ‘ghost employees’; as well as,10. quantified forecasted set-asides for ‘martyr and honor payments’ to

families of policemen disabled or killed.

C.I.B. (Challenge; Initiative; Benefit)C.I.B. #10: Friedman Billings & Ramsey (F.B.R.)

Challenge. January 2003 article in Barron’s highly critical of F.B.R. and implying conflicts of interest in leading a public stock offering for a client weeks prior to the revelation of financial difficulties that collapsed the stock price

Initiative. Per instructions of senior management, set out to publish highly critical analysis of the customer, to maintain F.B.R.’s company credibility, over the following three weeks:

researched the industry fundamentals and the financial statements of the client, focusing on the problems cited across Wall Street as evidence of imminent bankruptcy with significant losses;

de-constructed intricate financials of the company and those of 18 affiliated trust accounts for a composite entreprise-wide cash-flow analysis; as well as,

created detailed forecasts, based on liquidation and various degrees of a going concern.

Benefits. Including, but not limited to, the following:1. determined that client faced a liquidity crunch, not insolvency;2. mapped out a route to return client to full liquidity and, therefore,

operating health;3. persevered despite significant push-back from the sales team for a

critical analysis;4. detailed rescue scenario to be engineered by bond insurers and

investment banks specializing in financial engineering;5. realized 40-50% return on investment for investors within two weeks;6. distinguished by client publicly as the first publishing analyst among

recognized Wall Street analysts to map out escape route; as well as,7. produced highly regarded primer on securitization to break down a

seemingly ‘black-box’ arrangement into specific institutional roles and conceptual building blocks.

C.I.B. (Challenge; Initiative; Benefit)C.I.B. #11: Deutsche Bank-Alex. Brown (New York City)

Challenge: Deutsche Bank ineffective in credit and other derivatives due to back-office red-tape that delayed approvals for 7-10 days.

Initiative: Over two weeks: investigated relative default loss rates of various Moody’s / S&P

ratings over time horizons ranging from three months to twenty years; researched historical credit appetites for Deutsche clients; as well as, identified key value and cash-flow drivers for insurance companies.

Benefits: Legacy including, but not limited to, the following:1. created and used risk scoring sheet;2. devised debt appetite measurement tool;3. quantified marginal risk assumed for given trade based on credit

quality and expected life of the trade;4. permitted adequate due diligence in real-time;5. established preliminary risk amount in real-time;6. enabled back office to take the time over a week to calculate the

eventual value at risk (a lower amount than previously granted);7. allowed same-day trading in derivatives;8. elevated Deutsche’s trading productivity by 3-5x to make the bank a

market-maker.

C.I.B. (Challenge; Initiative; Benefit)C.I.B. #12: Deutsche Bank-Alex. Brown (New York City)

Challenge: International banks panicking over the prospective impact of the mass-murder in New York City on September 11, 2001.

Initiative: Over four days: investigated the various lines of life and property & casualty

insurance to be impacted by the mass murder; drilled down on various insured exposures affected by the event; as

well as, aggregated granular bottom-up estimates for each line into overall

loss estimate.

Benefits: Legacy including, but not limited to, the following:1. estimated insured losses within 5% of aggregate losses after six

years for an anticipated reduction of industry tangible net worth of 10-15%;

2. integrated unique loss valuation perspective into tactics toward the insurance industry;

3. allied with insurers expected to be vulnerable but transparent about deteriorating risk profiles;

4. took unusual course of not changing the strategy or credit policies toward the industry; and,

5. used the catastrophe to prune portfolio of under-performing relationships.

C.I.B. (Challenge; Initiative; Benefit)

C.I.B. #13: Commerzbank (New York)

Challenge: lack of returns generated from traditional banking products

Initiative: Over a year: researched certain cash-based contracts approved by the S.E.C. as

money-market equivalents (time-line of 90 days or less); investigated the intricate S.E.C. and insurance regulatory accounting

standards; studied uses and flexibility of certain bank lending products; as well

as, worked closely with best legal experts in insurance to test out

possible product concept.

Benefits: Including, but not limited to, the following:1. developed regulatory structured arbitrage product;2. enabled insurers issuing these contracts to invest in riskier assets

maturing later than three months;3. increased spread earned on these product by 300%; as well as,4. pitched the product to five of the top ten issuers of cash-equivalent

cash investment contracts.

C.I.B. (Challenge; Initiative; Benefit)C.I.B. #14: Miscellaneous (Crédit Suisse; New York)

Challenge: accountability for project financing and structured finance transactions shifted from originators to credit department.

Initiative: Over one month: audited project financings (primarily, co-generation projects) and

structured financings (primarily, loans factored through the capital markets of auto-loan or retail credit receivables);

provided detailed data on each transaction to indicate completion or shortfalls of requirements;

performed compliance analyses of lending conditions and covenants; as well as,

drafted documentation to place accountability for such compliance and documentation back onto the originators of these requirements.

Benefits: Including, but not limited to, the following:1. eliminated three year back-long in one month;2. audited and performed compliance analyses on more than fifty

structured and project financings; as well as,3. enforced signature requirement of the loan officers responsible;4. created new rules for credit accountability.

C.I.B. (Challenge; Initiative; Benefit)C.I.B. #15: Miscellaneous (Hillman Investments; Pittsburgh)

Challenge: inefficiencies evident in gathering various financial data for start-up investments news-letter.

Initiative: Over three months: examined richness and accuracy of data from most accessible

sources; authored a training manual reinforcing flat organizational structure; trained and supervised four financial data researchers; devised incentive compensation system; provided follow-through guidance for particular analysts; as well as, implemented quality control program to assure clean data.

Benefits: Including, but not limited to, the following:1. cut data research time by two-thirds;2. reduced research costs by 50%; and,3. enabled magazine to publish on schedule.

C.I.B. (Challenge; Initiative; Benefit)C.I.B. #16: Miscellaneous (Sen. H. John Heinz III; Pittsburgh)

Challenge: U.S. Navy nurse being rail-roaded out of career despite: satisfactory performance reviews by patients; strong testimony by other nurses; strong references made by former Navy base commanding officers; spurning by direct superior of direct appeals by Representative

Douglas Walgren (D-PA) and the top aide of Senator Heinz; as well as,

hang-up by direct supervisor on me.

Initiative: Over two weeks: investigated why the chief nurse would hang up on a U.S.

Congressman, Senator and me; discussed the case closely with other previously thwarted stake-

holders to understand the soft power of Chief Nurse in issuing a dishonorable discharge;

investigated unwillingness of base C.O. to intervene; discussed case with the nurse and two of her colleagues, pressing

her to ascertain the dirt on her side of the street to determine whether or not to go forward; as well as,

checked the committee assignments of the Pennsylvania Congressman and Senator.

Benefits: Including, but not limited to, the following:1. targeted Senators open to reciprocal support for constituent’s

problem in the areas covered by committee and sub-committee assignments of the Pennsylvania legislators;

2. negotiated investigative support from two Senators influential with military spending, Messrs Henry Jackson (D-Washington) and Barry Goldwater (R-Arizona);

3. refused compromise proposed by mid-level Pentagon official of an administrative versus dishonorable discharge;

4. negotiated directly and heatedly with the Deputy Secretary of the Navy for Personnel to permit an exception-to-policy to permit nurse to stay in the Navy and transfer to another Navy hospital; as well as,

5. gave public credit to Senator Heinz and Representative Walgren for their “joint intervention” on the nurse’s behalf.