Amer Kamal Email & Phone Number

Miami, Fl, Us

Denver, Co, Us

- Lead the strategic development and expansion of the U.S. Ecosystem, advancing global digital banking products and driving revenue growth through customer-centric innovation.- Spearhead the establishment of a new Tech Hub in Miami, enhancing Western Union's technological capabilities and fostering a culture of innovation and operational excellence.- Oversee full P&L ownership for digital banking products, guiding business strategy and long-term roadmap to achieve sustainable growth and market leadership.- Drive company-wide transformation initiatives, aligning with Western Union’s 2025 vision and delivering on key commitments essential for Wall Street performance.- Develop strategies to elevate Western Union’s brand presence, enhancing equitable financial access for underserved communities and positioning the company as a global leader in FinTech.- Build and scale next-generation neobanking solutions and global card programs from the ground up, with a focus on market expansion, customer engagement, and product leadership.

Minneapolis, Minnesota, Us

- Recognized as a three-time Forbes feature for leadership and innovation in market expansion and product growth.- Strategically scaled market presence from local to regional, securing new funding to fuel expansion, and successfully positioning the product in all major Midwest big-box retail stores.- Launched and managed a restaurant acclaimed as one of Minnesota’s top establishments, showcasing exceptional leadership in brand development and customer experience.- Led commercial, operational, and product expansion, including the successful development of a new manufacturing facility to support scaling production and distribution.

San Antonio, Texas, Us

•Achieved market leading NPS & digital payments adoption.•Cut cost as a result of moving transactions to digital channels, processes improvements and contract renegotiations. While reducing risk profile. •Built a team with customer-driven nimble product culture. It had healthy relationships, and license to balance work and life, and have growth mindset.•Strategically aligned the long-term roadmap with business goals, partners and oversaw its delivery, while successfully meeting P&L objectives. •Lead agile teams in defining requirements and roadmaps including feasibility, time, cost and impact product lifecycle including feature prioritization, design, new product launch and developed cross-functional and external partnerships.

San Antonio, Texas, Us

• Developed the Payments Risk and Governance function from the ground up.• Led responsive actions for regulatory requests.• Developed and put into play an Enterprise Payments Risk and Governance framework.• Established and put into practice USAA’s Payments Council.

San Antonio, Texas, Us

• Responsible for Enterprise-Focused Money Movement Experiences. • Directed Money Movement Strategy and was accountable for Money Movement data and analytics.

Minneapolis, Mn, Us

•Established US. Bank’s Retail Payments “Banking as a service” API platform catering payments solution and experiences to U.S. Bank and 1500 partners including brands such as: Audi, Left, REI, Associates Bank and Edwards Jones. Delivered significant efficiency and speed to market resulting in more profitability. •Launched E-commerce and card serving solutions that increased cards users’ engagement, wallets, and card on file provisioning.•Hand-picked by the corp.’s managing committee to participate as an adviser to them, one of 12 emerging leaders - US. Bank's D12.

Minneapolis, Mn, Us

•Grew the U.S Bank App. Store ratings from 1 start to 4.8. Turned-around the U.S. Bank Mobile Banking after a difficult large-scale re-platform. Accomplished by brining customer centricity and data first mindset, established alignment across partners, injected can-do spirit, and the introduction of agile, APIs and now capabilities. According to Foresee, increased users’ satisfaction by 30 points resulting in 90 CSAT.•Launched serval first to market and award-winning products, drove rapid growth and efficiency; includes all bank account types digital servicing, payments, voice channels, and commerce solution that increased digital spend.• Built efficiency in the contact centers and branches by moving transactions to a customer-focused mobile first digital experience, representing over 50% of bank transactions. • Grew the mobile customer base above the benchmark 20% annual growth. While achieving market leading service penetration according to finalta. •Created a customer evangelist culture by hiring and growing talent that are passionate about solving customers’ problems. Set the tone by leading with example in using data, co-creation and agile.

Minneapolis, Mn, Us

• Led a strategic analysis on the state of the bank's ATMs, capability, technology, and distribution network. This resulted in a large investment to upgrade and relocate some ATMs and begin rollout of imaging-based ATMs.

Minneapolis, Mn, Us

• As the third member to join the U.S. Bank mobile team, was promoted to direct critical contribution to building the mobile channel inside the 5th largest bank from the ground up. Led the charge in defining the value of the mobile channel for the bank, market position, product differentiation, and KPIs as well as the consumer banking mobile roadmap that took us to market leadership. • Launched awarding-winning and market-first mobile products and services: including PhotoBillpay, awarded 2013’s Most Innovative Banking Product; Mobile Deposits – 2nd to market; Mobile Payments & P2P – 1st to market.• Helped position the bank as an innovation leader. This attracted and retained target segments while creating a new revenue stream through convenience fees and fulfillment revenue. This included successful P&L management.

Minneapolis, Mn, Us

Success in this role lead to promotion to Director of Product Management.• As the third member to join the U.S. Bank mobile team, was promoted to direct critical contribution to building the mobile channel inside the 5th largest bank from the ground up. Led the charge in defining the value of the mobile channel for the bank, market position, product differentiation, and KPIs as well as the consumer banking mobile roadmap that took us to market leadership. • Launched awarding-winning and market-first mobile products and services: including PhotoBillpay, awarded 2013’s Most Innovative Banking Product; Mobile Deposits – 2nd to market; Mobile Payments & P2P – 1st to market.• Helped position the bank as an innovation leader. This attracted and retained target segments while creating a new revenue stream through convenience fees and fulfillment revenue. This included successful P&L management.

Doha, Doha, Qa

• Founded an operator from the ground up, employee # 35; part of an international team of experts within a rapidly-growing international telecommunications company. Helped lead the build from the ground up and established its mobile Value Added Services offering. This included the launch of mobile App Stores that predated the Apple App Store, and telecom-enabled Mobile Money Movement services. • Built the product development department to 20 employees, and 15 vendors relations.• Managed Mobile and Data Service, Mobile Smart Cards, Mobile Electronic Recharge, E-services, Mobile Money, WAP and Mobile Applications.

Doha, Doha, Qa

New York, Ny, Us

Portland, Maine, Us

• Auto Europe Car Rental is a world-leading international car rental wholesaler, providing 45% of the U.S. Europe Car Rental Wholesale market. Tapped by the CEO to drive transformation and growth.

Portland, Maine, Us

Refer to the description above.

Portland, Me, Us

Global Executive Mba, Ranked 8Th In The World By Financial Times

Master Of Business Administration (M.B.A.), Global Executive Mba Rotation

Master Of Business Administration (M.B.A.), Global Executive Mba Rotation

Master Of Business Administration (M.B.A.), Global Executive Mba Rotation

Executive Negotiations & Leadership Development

Dale Carnegrie Course, Influnce And Leadership