Banking executive with extensive community bank experience including retail banking, operations, IT oversight, cybersecurity governance, project management, risk, staff development and team building. Proven record with traditional and non-traditional branches (in-store and high school).ACCOMPLISHMENTSProfitability ManagementCreated and implemented Retail Sales/Service Performance and Incentive Plans, improving sales of new checking accounts by an average of 10% annually and significantly improving cross sales of additional products and services.Developed and managed divisional goals for operations, profitability and sales; improved operational efficiencies, improving average net income per account 30% over 3 years.Negotiated new and renewed vendor contracts for services such as core processing, check printing, cash delivery and security services, including transitioning check printing from $15K annual expense to $15K+ annual income.Managed a process of evaluating and optimizing staffing resources, reducing salary expense by $350K+.Managed ATM processing changes resulting in improved ATM fee income to nearly $100K/year.Operations/ManagementSuccessfully managed unexpected challenges of crisis management related to staff, technology, operations and client expectations during the COVID-19 situation.Developed and implemented policies & procedures that ensured compliance with internal audit and control, dramatically improving audit results across multiple functional areas.Oversaw expansion of retail branch networks with de-novo and acquired branchesDirected retail, operational and IT aspects of merger & acquisition integrations as both acquirer and acquired, including branch integration, staff assimilation and product mapping.Designed, implemented and oversaw bank security program and managed security group.Managed retail, operations and IT components of core system and ATM/debit network conversions.Team Leadership/Development:Created and implemented a Management Development and Mentoring program which enabled successful progression from non-supervisory positions to branch management in an average of 18-24 months. Developed and introduced core training programs on topics such as Currency Transaction Report (CTR) reporting, branch security, rate negotiation, and software tools (MS Office 365, SharePoint, Teams).As a member of the executive leadership team, developed strategies to ensure effective communications of strategic plan, goals and initiatives to all staff.