Chris Zimmer Email & Phone Number

Full P&L accountability including overall strategic direction and leadership of 25+ associates specializing in Product Management, Portfolio Management, Direct Sales, Integrations and FinTech Partnerships.▪ Increased annual portfolio charge volume to $4.5+B (400+%), double digit growth for 5 consecutive years.▪ Generated $2.2+B in annual charge volume by developing unique payables solution for Third Party Administrators to facilitate health care payer to provider transactions.▪ Achieved $300+MM in incremental annual charge volume by expanding Integrated Payables solution (vcard, ACH and check) into middle market segment.▪ Achieved 4% lift in overall portfolio utilization rates by launching structured portfolio optimization initiative focused on migrating AP payments to card.▪ Saved $1.1MM in annual processing fees by implementing expense reduction measures.▪ Launched FinTech payment strategy to provide Bin Sponsorship and direct issuance services to select financial technology companies. Contracted with 6 industry leading organizations in first 18 months.

Envisioned and executed growth strategies by launching new solutions targeted to key market segments.▪ Grew revenues 24% beyond 2006 performance, continuing strong double digit growth since 2004.▪ Increased 2006 purchase volume to $1.4B+ (25% increase), surpassing industry growth trends.▪ Developed Commercial Card Management (CCM) real-time maintenance portal - low cost self-service solution.▪ Successfully launched CCM product and migrated 40+% of maintenance request within 60 days.▪ Developed dynamic card payment solution used to streamline claim payments for auto insurance industry. ▪ Assist with RFP and sales support to both existing and prospective clients.

Managed $300MM portfolio of middle market Commercial Card clients. Maximized portfolio growth, bank profitability, client satisfaction and retention.▪ Developed, hired and launched integration and account management functions within Commercial Card group.▪ Increased program volume on average 45% leading to increased bank revenue.▪ Managed internal Technical Help Desk for third party data management tools.▪ Successfully introduced web based training solutions to increase associate utilization and reduce travel cost.▪ Developed and executed presentations, proposals, project plans, methodology and tools to expand market share in middle market client programs

Managed operations department responsible for day to day client support. Controlled all data management software, including coordination and management of new client setups, client training, and on-going program and technical support.▪ Partnered with Business Development Officers to present product solutions to leaders of prospective clients. Ensured implementation timelines were met and monitored programs through-out roll-out period. ▪ Managed on-going development and enhancement of the commercial card website. ▪ Implemented and managed reward program for small business portfolio.▪ Assisted with RFP's and prospective account proposals. Developed short and long term sales strategies.▪ Managed conversion of VISA portfolio to acquiring institutions processing platform.

Served as Lead Developer of 3 year strategic commercial card plan which encompassed all facets of the business model. ▪ Forecasted, monitored, and analyzed sales volume and new account acquisition. Developed and monitored corporate credit card website and Internet sales strategy.▪ Aided in, assisted with, and assessed development of strategic business plan and budget. o Developed both short and long term sales strategies. o Developed prospect account proposals. o Developed and implement new products and product features.

Selected to participate in Executive Development Program by completing extensive training rotation throughout retail and retail support divisions. ▪ Trained in all facets of retail division, including customer service, financial advising, consumer lending, and financial sales and services. ▪ Gained knowledge of bank operations, interacted with all levels of management as well as customers to develop broad experience in bank culture and processes. ▪ Attended professional development seminars to enhance current skills and gain additional industry knowledge.▪ Formally placed in the Commercial Card department upon completion of training.