Patricia Hines

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.

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.

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.

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.

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.

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.