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Jay Hallen, CFA is the Chief Financial Officer at JOOLA and previously held the position of Senior Manager, Card Finance at Capital One. Prior to that, they were a Principal Consultant at Capco, Vice President at BlackRock, and Assistant Director at Moody's Analytics. They hold an MBA from Columbia Business School and a BA from Yale University. Their work experience includes financial markets advisory, credit risk consulting, building credit models, and leading credit analysis seminars for various industries and products.