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"TurtleBay Advisory Services advisors have an incredible understanding of how operations and technology can support and enhance business transformations efforts. The team is skilled at both strategy and implementation."

Our Executive Team

Joseph Rossi

Joe Rossi is a founding member of TurtleBay Advisory Services and has more than 30 years of experience in the financial services industry, using his background in operations and information technology to build bridges among diverse groups of people and organizations. Prior to forming TBAS, Joe served as Freddie Mac's senior vice president of Operations and Technology where he was responsible for managing the largest segment of Freddie Mac's business operations, including all of the company's mortgage origination and servicing, investment and capital markets operations, and information systems divisions.

Joe joined Freddie Mac on March 28, 2005 as senior vice president of Investments and Capital Markets Operations and led Freddie Mac’s securities issuance, bond administration, and securities processing operations. In March 2007 he was named senior vice president, Technology Services. In this role, he managed all aspects of technology infrastructure, including computer and network operations, customer and operations technology services, data management infrastructure, information security, and technology change management.

Joe was a member of the company’s leadership team and reported directly to the Chief Operating Officer and eventually the CEO. Previously, he led the Advantage Project Management Office (PMO) and was responsible for the coordination of business and technology architecture and process re-engineering at Advantage.

Before joining Freddie Mac, Joe held leadership positions at Mellon Bank, JPMorgan Chase, and Citibank where he developed a significant portfolio of experience in all aspects of global securities clearance, custody, fund administration, and accounting.

Joe received a BS degree from Bryant College in Smithfield, RI and an MBA from Iona College in New Rochelle, NY.

Diane Rossi

Diane Rossi is currently serves as Managing Partner and CFO for TurtleBay Advisory Services. Throughout her career she has worked both within the public and private sectors. She has held significant administrative and operating roles within General Dynamics Corporation and Citicorp. In addition, for a large part of her career she worked within Public Education both at the primary and secondary levels. In her current role she is also overseeing the FSOKx training and education program. Diane holds degrees from both Bryant University located in Smithfield, Rhode Island, and St. Thomas Aquinas College located in Sparkill, New York.

Andrea Billitteri

Andrea Billitteri is the Director of FSO Knowledge Xchange. She has a strong background with large financial service organizations including supervisory roles at Credit Suisse and Morgan Stanley in the areas of accounting and revenue reporting. Andrea’s knowledge of Financial Services, coupled with her excellent communication skills has made her a leader in B2B Sales and Marketing in working with customers and driving sales revenue. Her specialty is consulting clients on comprehensive marketing strategies within the financial services sector which includes print advertising, online advertising, education & events, web seminars and other lead generating products.

Sara Taylor

Sara Taylor has over 20 years of executive leadership experience valuing and trading loans in both a principal and in an advisory capacity. Sara has a focus on the financial services industry using technology to leverage risk management and business processes. She has worked with companies such as Wells Fargo, US Bank, Toyota Financial, UBS and others. Sara’s previous experience includes over 15 years serving as the Secondary Markets Executive for various firms where she lead the transaction and servicing portfolios structuring for ABN Amro, Ocwen Financial and Chevy Chase Bank, FSB. Sara was instrumental in bringing Bank Rate Monitor into the digital age, moving the database from a paper newsletter to a public company. For several years, Sara served as the Vice President of Business Development for Fiserv where her focus centered on developing business-to-business partnerships for commercial banking operation, payment systems, data aggregation and designing technology solutions for shared environments. Sara holds degrees in Finance from the Pennsylvania State University and has been a FINRA 7, 24, 36 licensee.

Santo Crisafulli

Santo Crisafulli is a Senior Consultant with TurtleBay Advisory Services (TBAS) with near 40 years of experience in technology management and financial services. Prior to joining TurtleBay Advisory Services, Santo served as SVP at Alliance Bernstein where he was Chief Security Officer and managed Technology Portfolio Services for that organization. Other significant roles included global operations and development of IT systems for Bankers Trust, Alliance Capital and Citicorp. Led development and implementation of cutting-edge, proprietary global foreign exchange trading system used in 65% of all worldwide currency trades. He also built Information Systems subsidiary for Bankers Trust.

Don Codling

Don Codling advises domestic and international companies on cyber and data security best practices. Following 23 years service in the FBI with a concentration in Cyber National Security and Criminal matters, Don specializes in Cyber Security and Data Privacy best practices implementation within sensitive corporate and government environments. Don maintains his CISSP (Certified Information Systems Security Professional), CIPP/US (Certified Information Privacy Professional-United States) and his TS (Top Secret) with counterintelligence polygraph clearances. Areas of expertise include ICS-Cyber security best practices and performance metrics, unique security and Data Privacy challenges in the Internet of Things environment in both corporate and government environments. Don is the co-chair of the International Association of Privacy Professionals Washington D.C. chapter (2017-2019) and has detailed knowledge of US Data Privacy and cyber security practices with emphasis on GDPR and US Privacy Shield implications. Don has provided expert witness testimony in both criminal and civil litigation matters on cyber security, data privacy and electronic surveillance issues. As CISO of Urban FT, Don leads a team of employees and subject matter experts to craft a comprehensive cyber security and data privacy digital banking platform (combining core banking, social media and PFM tools) for mobile devices supporting the financial services industry in the USA. As CISO of Swift Exchange, Don coordinated and hosted two Global cyber security and data privacy conferences with DLA Piper in Washington D.C.

Osman R. Ali

Osman R. Ali is a Senior Consultant at TBAS. He has over 15 years of diversified financial services experience within various audit, risk and compliance domains. He specializes in the design and implementation of tailored Risk & Control frameworks for large and mid-size banks and broker-dealers. Osman has led multiple large-scale projects for global institutions across multiple regions, service lines and asset classes. His clients include global investment banks, government-sponsored enterprises and depository institutions.

Robert Baum

Robert Baum is a Senior Consultant at TBAS. His work experience includes five plus years at Merck where in a sales role, he devised a way to automatically feed and bleed chemical compounds in both process and discrete manufacturing applications. He was also involved in compliance work, which required strict adherence to MSDS guidelines mandated by Merck. Mr. Baum also worked at Blue Cross Blue Shield of New Jersey (Now Horizon Blue Cross Blue Shield) where he was responsible for the sales and marketing of electronic claims processing systems for commercial Health insurance carriers such as Prudential and Aetna as well as electronic claims for Medicare and Medicaid.