Performance-driven and efficiency-conscious strategist, business developer, and entrepreneur with a well-rounded general and financial management skills. A creative thinker, problem solver and decision maker with expertise spanning international markets within banking, risk, finance, business development, sales, coaching, marketing, supply chain, e-commerce, multidisciplinary vision and cross-functional team leadership. Strong organization and effective multi-tasking skills with demonstrated ability to manage expectations, deliver results, and the necessary drive to enhance organizational reputation through service excellence. Adept at forging lucrative relationships with key partners, vendors, and clients. Excellent presentation and communication skills and proven ability to achieve organizational goals while displaying dedication, flexibility, and management skills.SKILLSBanking and Finance, Sale Management, Business Development, International Markets, Supply Chain Management, E-commerce, Talent Acquisition & Training, Process Improvement, Coaching and Workshop Facilitation, Client Relations, Organisational Development, Employee Development, Project Management, Program Development, Staff Recruiting & Retention, Performance Management, Conflict Resolution, Risk Management, Customer Service, Relationship Management, Quality Assurance, Strategic Planning/Execution, Profit Growth Improvements, Costing & Budgeting, Vendor Management, Change Management, Contract and Negotiation, Complex Problem Solving, Acquisition Target Analysis, Competitive Intelligence, Strategy Development, Presentations & Communications, Management Development, Performance Evaluation, Quality Improvement, Connections Lead, Team Leadership, Networking Skills and Prospecting Skills.

Transform a Franchise Grocery Delivery system into a Cooperative within the Food Industry.

Clean Food Entreprenuer.Develop the market potential for people who are looking for healthier life styles by eating clean food, basically Organic Food.Organize deliveries to homes and businesses in the Oakville and Burlington territorries.Over 135,000 households and 10,000 businesses.

Mandate: Supported the Bank’s post-integration process with anchoring strategic initiatives and processes.Developed Puerto Rico Core Deposit and Branch Loans Strategy with tactical plans for implementation. Deposit portfolio achieved 115% of annual goal and new loans increased 25% from previous year. Aligned products, features and prices to selected target market. Provided training to sales forces and marketing support.Created and implemented a Premium Banking Strategy for Puerto Rico; completed market research, selecting target markets, location and candidates with the right skillsets and product offer; client retention ratio improved by 10% and brought 250+ new customers in the first year.Supported and produced written operational processes and reviewed areas of opportunities for improved Service Level Agreements between operations Shared Services and Retail Banking. Instrumental in aligning branch processes and procedures reducing time to implementation and improving customer experience. Improved y/y customers experience ratio by 5 bases points.

Mandate: Reported to Head of Retail Banking; As Integration Manager ensured best practices from acquired bank were ingrained in Scotiabank Culture and Strategy in the Sales & Service Team, Small Business Team, External Sales Forces, Alternate Channels, Private Banking and POS Merchant Banking.Led, developed, implemented and sustained Scotiabank Sales and Service culture while integrating best practices of a newly acquired bank. Number of branches increased from 17 to 48, customers from 80 K to 500K.Defined strategy and business plan for the Small Business portfolio. Assets grew from US$70 MM to US$210MM going from 650 to 2,100 customers.Developed a retail external sales force. Aligning with Corporate Banking, implemented Bank @ Work initiative. 35% of Corporate clients brought additional 750+ customers to branches, achieving the multi-product and channel goals.

Mandate: Reported to the CEO. Turned around the Retail Banking operations, closing the gap to the targeted 10% market share, improving efficiencies and achieving corporate financial ratios. Managed 19 Branches, Sales & Service Team, Small Business Team, External Sales Force, Alternate Channels, Insurance, Private Banking and POS Merchant Banking. Retail Deposits of US$90MM and Retail Loan Portfolio of US$50MM; Eight Direct Reports and 400+ staff.Developed 3 year strategic and business plan for retail banking. Included organic tactical growth and portfolio acquisition. Achieved 126% combined results of deposit, loans and new customers target. Improved market share by 2%, overall revenues by 10% and reduced expenses by 12.5%. Advanced and sustained the Sales and Service Culture in branches to increase profitability, customer experience and cross sale ratios; all goaled metrics were attained. Increased productivity of Sales Officers from 6.2 to 11 products sold per week, cross sell ratio improved to 2.7 and customer satisfaction surveys were the best in the region.Developed a Small Business blue print. Selected target market, holistic sales training, enhanced products and credit risk/operations; improvements led to increase the loan portfolio by 20% and achieved the 150 new customer target.

Mandate: Supported the SVP of the English Caribbean and Central America (ECCA) Region and acted on his behalf to develop the Commercial and Retail banking business of the region, (19 countries / CAD$360MM Net Income or 25% overall Bank’s NI contribution).Developed and harmonized Country Strategic Planning process among 19 countries in the ECCA. New process initiatives and best practices were implemented in the Region. Designed and presented initiatives to maximize profits. Created alliances as the “gate keeper” between Central areas in International Banking and the countries; Collaborated, coordinated and balanced key strategic initiatives to acquire, deepen and retain customers in the Retail, Small Business and Commercial areas.

Mandate: Increased Commercial Banking segment portfolio. Developed a team of Commercial bankers.Portfolio increased 350%, number of clients increased 500% including non-borrowing accounts and past due loans below bank standards. Developed a team of 25 Commercial bankers.

Mandate: Maintained the portfolio quality of the Corporate Banking Area, Financial Sector and bad loans restructures. Improved analysis; made recommendations to the appropriate adjudication area including proper credit structure, risk/return and reserves; accelerated turnaround times. Developed a high performance service team.

Mandate: Developed the Beverage and Food Industry segment in Corporate Banking.Portfolio increased 150%, number of clients including multinational corporations increased 200% with no past due credits.Successfully designed and implemented the brokerage house corporate finance and corporate banking operations into a unique partnership offer with relationship officers and specialized product areas.