Head of Business Payables Product & Experience focused on driving growth Business Payments. Accountable for product strategy, vision, and delivery through a team of 100+ product managers, designers and engineers. Recent focus on delivering 0-1 products rapidly inside a large organization, and transitioning from pilot to scale value delivery.

Led a team of product leaders and analysts focused on building and scaling a national distribution channel for our Spark Small Business Credit segment. Led distribution strategy, enabling products, and the P&L for a 200+ person organization. Grew from a $4B to $20B purchase volume business in 3.5 years and delivered meaningfully improved marginal economic returns. Previously led Small Business Digital product and servicing experience including Web, Mobile and Phone servicing. Developed several B2B digital product solutions to support our Small Business customers including our Employee Card Spend platform, Virtual Card numbers and Accounting Software integration.

• Led a matrixed team of over 50 product managers, designers and engineers accountable for delivery and lifecycle management for ATM, Mobile, and Alert digital products handling 75 million transactions annually and ~1.7 million monthly users• Created and executed a multi-year digitization strategy to transform the branch self-service experience and create a digital-first experience for our national café expansion leading to over $25MM in annualized operating cost savings• Delivered innovative products including BLE enabled mobile cardless transactions at the ATM and on-demand banking (banking delivered)• Scaled digital offerings including ATM image deposits which grew adoption from 7% to 40%, and credit card payments at the ATM leading to 25%-50% adoption in pilot markets• Delivered an insourced modern ATM and Mobile infrastructure leveraging cloud services and RESTful APIs while transforming the organization to Agile delivery and significantly improving speed to market and release frequency • Led strategy and negotiation to put branded deposit taking ATMs in Target retail stores. Results exceeded expectations and this has become a critical piece of the national expansion strategy• Filed six patents for innovations at various stages of development including cardless transactions, step-up authentication, on-demand banking, self-service account funding, and a peer-to-peer money transfer concept

• Led a team of over 25 to build the Retail Bank marketing operation supporting mail, digital, and trigger based marketing using Lean principles to remove waste and standardize work• Aligned several organizations to common success measures and improved campaign quality to over 99% and speed to market by >55%• Led marketing execution for back book account conversion of our entire portfolio; moving from 30+ products to 4 primary products

• Provided strategy, analytic and executive presentation support to the Head of Retail Bank Operations• Led bank-wide “Simplification” work stream to identify problems and levers to simplify our products, processes, technology and organization

• Launched Capital One’s Prepaid card and industry disrupting Decoupled Debit card products using an internal start-up approach and Agile delivery practices• Led product development, rewards pricing, valuations, customer experience design, and marketing (direct, indirect, search, affiliate) functions for both products• Developed company strategy to serve the unbanked / underbanked segment with fair products that help them manage their money. Led product delivery and distribution channel efforts to test viability and growth hypotheses• Sourced and evaluated several cobranded partnerships including two cobranded deals to test the decoupled concept

• Led online and call center channel optimization efforts to deliver an incremental 100K accounts and $400MM in assets / yr.• Used hypothesis driven analysis and test-&-learn approach to create $4MM in run-rate annualized NPV through online application funnel conversion improvements• Led a cross functional effort to improve marketing campaign speed to market by >40% using Lean Six Sigma methodology. Project team received a corporate excellence award• Lead analyst for a project that reengineered the budgeting and internal billing practices for a $280MM marketing operation. Project team received a corporate excellence award • Developed data analytics, desktop and web software solutions to support internal operations teams• Promoted 3 times in first 5 years with the company