Mr. Ramsey has a variety of expertise across financial service companies, where he has held executive leadership roles in areas of risk, marketing, collections and general business management. Mr. Ramsey was the Managing Director of Consumer Lending at Lloyds TSB Group (LTSB) in 2006. Prior to joining LTSB, he worked at Experian where he was president of their Scorex Division in North America. Previous to Experian, he spent over a decade working in financial services at GE Capital, Citigroup, The Associates and Bank One. Mr. Ramsey has Masters degrees in Economics and Statistics from North Carolina State University and the University of North Carolina. He has also completed his course work for a Ph.D. in economics, and was working toward an academic career prior to entering financial services. Outside of work, Walt and his family enjoy travelling, wine collecting and a variety of sports.