Drives impactful innovation, using big data, analytics, and data science to ensure solutions align with business strategy of delivering a great customer experience that is repeatable, sustainable, and scalable. Assesses alternatives and partners internally and externally to identify hypotheses, test, and implement strategic solutions across a multi-year horizon. Ensures risk and other information is monitored, properly presented, and explained through reporting and analysis for effective decision making at all levels of management, up to and including the Officer team and externally.