Summary

Financial services professional with more than 20 years of experience in Wholesale and Small Business banking across business, technology and operations seeking senior-level opportunity in product strategy, management, or marketing. Strong understanding of the financial services industry, current trends, regulatory environment, banking products, delivery channels, and software applications. Experience spans advisory research, financial institution, and technology provider firms. Demonstrated ability to assimilate and interpret disparate information inputs and quickly provide conclusions and recommendations to solve business problems. Excellent quantitative, analytical, negotiation, interpersonal, presentation, and communication skills.

Publications

"Commercial Loan Origination: Ripe for Improvement", Commercial Lending Review

"Small Business Loan Origination: Spanning the Contiuum", Commercial Lending Review

TowerGroup Published Research

General Wholesale Banking
  • 2009 Top 10 Business Drivers, Strategic Responses, and IT Initiatives in Wholesale Banking
  • Commercial and Small Business Relationship-Based Profitability and Pricing: Putting It All Together
  • Commercial and Small Business Banking in Troubled Times: Using Relationship-Based Pricing for Growth
  • 2008 Top 10 Business Drivers, Strategic Responses, and IT Initiatives in Wholesale Banking
  • Wholesale Banking Top 10 for 2007: Business Drivers, Strategic Responses, and Technology Priorities
  • Online Cash Management for Commercial and Small Business Banking: Can One Size Really Fit All? planned)
Commercial and Small Business Lending
  • Improving Commercial Loan Origination with Enterprise Content Management
  • Boosting Small Business: The Impact of Government Stimulus Plans on Small Business Lending
  • From Squeeze to Freeze? Update on the Global Impact of the Credit Crisis on Commercial Lending
  • From Crunch to Squeeze: Global Impact of the Credit Crisis on Commercial and Small Business Lending
  • Small Business Loan Origination: Spanning the Continuum
  • Small Business Loan Origination: Vendors Extend Their Reach
  • Commercial Loan Origination: Vendors Deliver on the Promise of Straight-Through Processing
  • A Perfect Storm: Commercial Loan Origination Market Drivers
Small Business Banking
  • Impact of the PSD on Small Business Payment Services
  • Using ISOs to Distribute Remote Deposit Capture Services: The Fox Guarding the Henhouse?
  • Revenue Provisions of the US Housing Reform Bill: Bad News for Merchants and Payment Processors
  • Small Business Remote Deposit Capture: A Goldilocks Tale
  • Small Business Customer Relationship Management: There's No Silver Bullet
  • 360-Degree Small Business Customer Profiles: Around the World of Entrepreneurs
  • Addressing the Untapped US Small Business Online Banking Market
  • Small Business Online Banking Multifactor Authentication: Global Survey Results
  • The Race to Capture US Small Business Customers: Will Your Bank Be an Also-Ran?
  • Shifting into High Gear: Innovative Strategies for Small Business Banking

Work History

Work History
2006 - 2009

Research Director, Wholesale Banking

TowerGroup

Served as an industry thought leader at a leading financial services research and advisory firm. Conducted primary research and produced written reports focused on industry trends, strategic business drivers, and technology solutions related to small business banking and commercial lending.

  • Published research includes small business cash management, electronic payments, delivery channels, and customer relationship management. Research also includes commercial and small business global lending trends, loan origination, relationship profitability and pricing, and enterprise content management.
  • Established strong client relationships through continuous advisory research services including product strategy, business development, regulatory impact, competitive analysis, and product management and marketing.
  • Delivered speaking engagements at industry and client conferences including BAI National Loan Operations, BAI Remote Deposit Capture, TowerGroup, Digital Insight, Metavante, Fidelity National Information Services, Harland Financial Solutions, and IBM.
  • Supported business development activities through prospect calls, vendor briefings, and marketing activities including press mentions in publications such as the Wall Street Journal, American Banker, Bank Systems & Technology and Bank Technology News.
  • Contributed to 20% increase in Wholesale Banking revenue from 2006 to 2008 by expanding commercial lending and small business banking client base.
2003 - 2006

Director of Product Management

S1 Corporation

Managed the product vision, strategy, roadmaps and release plans for S1's wholesale, small business and consumer online banking solutions. Developed business cases for investment in the product line and established pricing strategies. Coordinated tactical delivery of product enhancements from idea generation through production certification.

  • Executed third-party partnership initiatives to deliver foreign exchange, multi-factor authentication, remote check capture, enhanced information reporting and small business bill pay resulting in a substantial increase in the functionality available to S1's financial institution customers.
  • Oversaw market positioning, competitive analysis and industry analyst relationships to enhance and distinguish product placement within the competitive arena.
  • Developed product plans incorporating industry forecasts, market trends, analyst research and advisory group feedback.
  • Delivered presentations for industry conferences, customer briefings, new business opportunities and internal stakeholders.
2000 - 2003

SVP, Online Banking, Business Development & Strategy e-Business Group

https://www.bankofamerica.com

Responsible for developing and implementing a new $10MM small business online banking and cash management product.  Oversaw product management for legacy web and PC-based small business online banking solutions.
  • Managed all aspects of project including product development, system requirements, conversion planning, product positioning, customer experience, software vendor management, quality assurance, financial management and compliance.
  • Coordinated cross-functional team participation and deliverables encompassing technology, marketing, sales, customer service, legal, compliance and risk management.
  • Completed comprehensive small business online banking analysis including strategic product vision, vendor selection, competitor analysis, feature/functionality recommendation, business case development and customer research.
1995 - 1999

VP, Technology Relationship Manager, Information Systems Division

http://www.bankofamerica.com

Served as internal consultant to identify, recommend and plan technology initiatives to meet business objectives for sales, marketing, loan origination, risk management and regulatory initiatives. Responsible for ensuring that lines of business received appropriate technology solutions and support, including negotiating $13MM in funding for the Small Business Services division.
  • Coordinated cross-functional technical and business resources to deliver projects that helped internal customers achieve their business objectives. Effectively utilized development resource allocation of 30 FTEs.
  • Established strong vendor relationships leading to favorable pricing and quality deliverables.
  • Held dual role of technology and business team leader during Fleet/BankBoston Small Business systems integration.
1994 - 1995

Customer Service Manager, Information Systems Technology

Shawmut Bank Connecticut, N.A.

Coordinated technology customer service and problem resolution. Managed departmental financial and systems budgets. 

  • Coordinated development of integrated Fleet/Shawmut commercial customer database to enable merger planning.
  • Provided application support including software enhancements, maintenance and customer service for Relationship Profitability Management System.
  • Managed vendor selection phase of sales force automation project, including due diligence and contract negotiations.
1994 - 1991

Financial Control Department Manager, Commercial Loan Operations

Shawmut Bank Connecticut, N.A.

Responsible for financial accounting functions associated with Shawmut's $10 billion commercial loan portfolio and AFS commercial loan system. Coordinated annual preparation of divisional budget including staffing reconciliation, expense account analysis, and management reports.

  • Implemented daily reconciliation of interest and fee income accounts including preparation of functional specifications and design of system reports.
  • Revised commercial loan cost allocation rules including development of divisional activity based costing.
  • Improved productivity and reduced staffing requirements through workflow analysis and process redesign.

Education

Education

Skills

Skills

Financial Services Experience

Financial Services, Advisory Research, Product Strategy, Product Management, Product Marketing, Managing Resources, Technology Solutions, Vendor Management and Negotiation, Creative Problem-Solver, Project Management, Building Relationships, Business Case Development

Certifications

Certifications

Certified Treasury Professional

Association for Financial Professionals