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Tony Ciecinski is a seasoned professional with extensive experience in operations strategy and credit analysis. Currently serving as a Senior Program Manager at Chime since July 2022, Tony previously worked at Discover Financial Services as a Lead Operations Strategy Specialist from November 2019 to September 2022. At Enova International, Tony played a pivotal role in launching the company's line of credit product and led various projects to enhance operational efficiency between March 2015 and November 2019. Earlier in the career, Tony was a Credit Analyst at Wintrust Financial, where responsibilities included crafting credit study packages for significant loan approvals, and at North Community Bank, where completion of a rigorous credit analyst program provided foundational skills in credit analysis and risk assessment. Tony holds a Bachelor of Business Administration in Finance and Marketing from Dominican University.