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Tom Jay has extensive experience in finance, analytics, and operations within various organizations. Currently, as the Manager of Retail and Credit Fraud Strategy at Bluestem Brands, Inc. since 2015, Tom has also served as a Senior Credit Analyst and led initiatives for PayCheck Direct, a start-up division focusing on consumer finance. Prior roles include Director of Analytics and Operations at Broquet, where Tom managed marketing analytics and inventory for an online retailer, and a Procurement Intern at Fisker Automotive, where process innovations in the supply chain led to significant cost savings. Tom holds an MBA from the University of California, San Diego, emphasizing Strategy, Finance, and Operations, as well as a Bachelor of Science in Civil Engineering from the University of California, Davis.