Bret Rigby Email & Phone Number

Salt Lake City, Ut, Us

Creating a one of a kind digital user experience (UX) to compliment ZenniHome’s revolutionary design and manufacturing process. With "one button" at ZenniHome.com, our customers will be able to order their new home, obtain financing, get the necessary building permits, and have the home delivered and installed anywhere in the United States and eventually the world. ✦ Securing mortgage, permitting, transportation and construction partners and designing the user interface. ✦ Developing user tools such as a total cost/mortgage calculators to help ease the customer buying decision.✦ Developing strategic and organizational design plans in the areas of marketing, manufacturing, community development and UX.✦ Reviewing and critiquing the ZenniHome.com website to correct errors and improve ease of use.✦ Researching potential ZenniHome communities throughout Arizona and Utah, providing enhancements such as digital energy grids and vetting new manufacturing partners.✦ Analyzing Congressional technology legislation for their potential to support domestic factory development.

Us

Led a $170 million (four branches, 40 staff) credit union that served over 13,490 members throughout Utah and the United States.✦ Assets grew from $119 to $172 million and loans kept pace moving from $92 million to $120 million. All growth was accomplished with 0% growth in total staff.✦ Net worth increased from 6.9% to 9.5% with consistent return on assets over 0.9%. ✦ Led the strategic planning process for the credit union. Successful strategic initiatives included:✦ Upgraded the marketing capabilities of the credit union through strategic brand refresh projects, targeted data driven promotions (Christmas loans grew 12% year-over-year) and innovative product development.✦ Grew the rebuilt-restored car loan portfolio from $0 in 2015 to $24.5 million in 2020. Maintaining the mortgage portfolio between $65-70 million by keeping mortgages in-house or selling them to the secondary market to successfully balance customer choice, concentration risk and income.✦ Introduced credit-neutral (no credit pull) products including Christmas and Christmas-in-July personal loans for low-income borrowers and the car loan recapture program ($0 in 2015 to $600,000 in 2020).✦ Developing a new corporate culture focused on trust, security and high expectations. As a result, TransWest twice earned the national Credit Union Journal’s Best Places to Work award.✦ Implementing the business intelligence/big data change initiatives to have data improve decision making. Project included building data warehouse, cleaning and prepping the data, developing predictive analytics and models and designing dashboards to measure results and inform decision makers.

Led an $84 million (9,000 members, one branch, 15 staff) credit union. ✦ Assets increased from $54 to $71 million from 2006 to 2011 and then to $84 million at the beginning of 2015.✦ Implemented technology upgrades from vendor selection to final installation which included debit/ATM card system conversion, a VOIP (phone) system upgrade, Interactive Voice Response system for telephone banking, and a green initiative to convert all loan documents, signature cards, etc. into electronic format. The debit/ATM card upgrade provided members with real-time access to their funds and a reduction in costs of 30%. ✦ Introduced a health self-insurance plan that resulted in an ongoing year-to-year cost savings of 10% in employee benefits costs with no reduction of employee insurance coverage. Upon full implementation of Obamacare, premiums actually decreased 4%.

Responsible for Credit Union’s financial, marketing, and operational activities. Major financial focus is asset liability management including model development, forecasting, rate setting and investment portfolio management. Marketing accomplishments include:✦ Conducting a brand audit of Deepwater logos, website, printed materials, promotional pieces and advertising. As a result of audit, standardized brand messages through use of a single logo, developed a tag line, wrote quarterly member newsletter to reflect tag line, began rewriting website copy, and developed integrated summer loan promotion campaign (print advertising, in-store promotional materials and direct mail pieces).

Performed custom market research using a culturally based multi-variable model that identifies factors influencing consumer purchasing decisions and behavior (why people buy?). Responsible for installing business processes including creation of an effective organizational structure, new product development (custom research, seminars and consulting tools) and changing client acquisition from a referral to an active seeking/sales model (increased client base by 40%).

Created a new trade association through the merger of three smaller units. ✦ Led a staff of 23 at three sites.✦ Developed and implemented $7 million marketing/school education campaigns for the Mid-Atlantic region.✦ Integrated the regional campaign with national partners to increase program reach by 125%.✦ Represented Mid-Atlantic at national, regional and local industry, community, consumer and farmer events.

Washington, Dc, Us

Managed and approved $225 million of annual dairy promotion programs plus an additional $100 million milk program supported by dairy processors throughout the United States. Annually reviewed and approved up to 160 separate promotion and advertising contracts as well as 500-600 collateral marketing and advertising pieces. Position demanded extensive interface with all components of the dairy industry as well as national advertising and PR firms (Bozell, J. Brown and Associates, BSMG, Edelman, etc.) as well as multiple branches of the federal government. Represented USDA at dairy promotion board meetings, administrative law hearings, and other industry events.

Mba, International Business And Marketing

Ba, Political Science