Reshaping the landscape of loyalty to help issuing banks attract, attach, engage, and retain clients

Transforming product management and agile practices at the #1 bank in Canada; leading with experiences that captivate consumers and commercial products that drive value for merchant partners.Lead teams responsible for:The award-winning digital Loyalty, Rewards, Points, Travel, and Commerce products (native, web, and responsive web) for >9MM Canadians;Shopping and Offers experiences that all Canadians can enjoy, regardless of where they bank, to generate more value and time;In-path commerce experiences via our browser extensions to get great deals everywhere users shop while also making it easier and safer to checkout onlineGo-to-Market efforts across product familiesProduct Analytics for consumer and merchant products, empowering decision making by product managers by pushing insights to the edge

Building a new era of consumer<->merchant connectivity and creating platforms that bring consumers deals from brands they love while driving increased spend and customer acquisition for merchants.SaaS-ifying innovative new consumer commerce experiences across internal business units at Royal Bank of Canada, stitching together platforms across technical delivery teams to create seamless experiences and building with MACH principles.

We bring the most innovative consumer and commercial experiences to FI and non-FI partners alike. Whether it's digital card linking, paying with points, sharing risk data to improve approvals, or disbursing funds to PayPal and Venmo accounts, PayPal's FI Partners group has what every bank is looking for to increase their customer engagement.I lead the team responsible for some of the most critical FI partnerships and integrations PayPal has, powering digital payment and customer engagement experiences (integrations like Account Linking and Pay With Rewards), treasury services for ACH and RTP origination, Merchant Services partnerships for cards processing, and Open Banking partners for account validation and bank payment services.

Lead a team responsible for growth on PayPal’s enterprise platform, including closing deals by providing subject matter expertise and advancing new use cases and solutions, including cryptocurrencies and loyaltyDesigned, planned, and coordinated delivery of new mobile ecommerce solutions across multiple LOBs, clients, and external partner stakeholders that are driving $2B in additional Total Payment Volume and >$40M in annual gross revenueBuilt a new function to provide clients a value-add service based on PayPal’s issuer partnerships, materially improving merchant performance and shopper experiencesFormed and maintained critical external partnerships to enhance customer experience with the platform and increase client stickiness to reduce churn (e.g., onboarding integrations and reporting aggregation)

Led a strategic team that set Capital One’s direction for the Innovation Lab, consumer commerce experiences, as well as digital and emerging payments like wallets and cryptocurrencies; influenced at the C-Suite level Designed new money movement and e-commerce products on emerging technology and payment rails to deepen relationships with cardholders and increase annual spend revenuePerformed due diligence and acquired the shopping discovery platform Wikibuy (now Capital One Shopping) to deepen the bank’s role in the shopping journey of customersIdentified, secured, and managed external partners to deliver the best digital commerce experiences for customers, including Apple, Google, and PayPal Performed market and industry analysis for Commercial Lending activity in the payments ecosystem (e.g., underwriting of large-scale mergers such as Vantiv-World Pay, and black swan events like cryptocurrency) Influenced external forums that shape the payments industry (e.g., The Clearing House, Early Warning Systems, Visa, Mastercard, Federal Reserve Bank) Oversaw the $35M+ annual budget for the Digital Commerce and Innovation Lab teams

Led a multi-layer team focused on strategic payment initiatives, identifying capabilities to enable Consumer and Commercial LOBs to meet long-term product and service needs Designed and led implementation of target state payment architecture across four lines of business to drive efficiency, sustainability, and scalability of payment products and servicesOversaw end-to-end payment flow governance and risk management including reporting, standards, policies, and best practices for initiation and fulfillment Managed interaction with external regulators on exams, oversaw company-wide governance and oversight of payments processes and services Developed two new payment network operating models, rule sets, and use cases (Zelle, The Clearing House Real-Time Payments rails) to enable bank strategic initiatives and products while meeting expectations for consumer experience, protection, and securityActed as Treasury Management innovation champion, creating and leading the inaugural innovation competition with 16 teams, 3 viable products, and development of digital podsDesigned and deployed a set of unified and revamped branch policies, standards, and procedures across a multi-state footprint consisting of 3 recently acquired bank brands

Dongl Concepts is a technology start-up that aims to provide small form factor, low power devices that provide simple and powerful function for daily activities. Products are developed on a flexible platform to allow for internal and community application development. Our products leverage the latest in wireless technology to make use as convenient as possible, while also maintaining power consumption levels low enough to allow use of passive energy sources like solar, kinetic and even RF energy harvesting.

Operationalize and monetize innovative ideas that turn hardware and software into consumer value add productsDevelop and implement strategies to protect IP, identify markets, and price productsReview and assess industry trends to improve market position through enhanced services and product functionality

Fulcrum Collaborations is a provider of innovative business solutions in the facilities management space driven by analytical rigor and smart technology.Developed and managed strategies for Finance, Product Line, Sales, and Operational infrastructure Oversaw client engagement, including scoping and pricing, initial business analysis, project review, and service level agreements for projects Engaged channel partners to leverage opportunities outside of the company’s immediate industry vertical and diversify the client portfolio Handled Accounts Receivables and Accounts Payables processes and systems

Worked with founder to revise and enhance business plan, channel relationships, and internal operating modelsPerformed internal and external analysis to identify ideal strategic direction for services and productsDrove business development and client engagement with new and existing customers

Was the experience owner for the merchant dispute and resolution processes for US Cards Led large operational and process teams that measured and analyzed business and system processes to identify areas of improvement, including Merchant Disputes and other back- office operations Deployed and oversaw agent- and customer-facing technologies and systems, including the design, implementation, and ongoing performance of company-wide disputes and claims case management systems that led to seismic shifts in customer experience and automation Developed KPIs for customer experience and operational metrics that spear-headed customer-back design and development of consumer and agent chargeback experiences Led a well-managed approach to business improvement across groups through coaching, sponsorship, and hands-on examples leveraging LEAN and TQM methodology