Banking Products, Digital Products and New Product Development

Deposit & lending products

• Responsible for the strategy and execution for traditional Product Management functions within Deposit (present-day), Consumer Lending (past) and Small Business Credit Cards (past) products. Pricing, **** Portfolio Growth, P&L Management, Rewards Program, Budgeting, Customer Experience, Marketing Strategy & Segmentation, Business Vendor Management and Legal/Compliance Liaison ****• Business case development and business lead for various projects aimed to enhance both the consumer and commercial product experience - leading to increased revenues, decreased expenses and improved regulatory compliance. • Have established strong working relationships with both internal and external business partners to assure that the banks strategic goals are realized – teamwork leads to success. **** Management Committee, IT, Operations, Fraud, Compliance, Legal, Collections, Treasury/Cash Management, Underwriting, Credit Risk, Marketing, Digital, EMPO, Commercial, Retail Bank and Contact Center ****• One of the lead resources in the design and development of the banks Commercial Card Program**** Business Case Development, Product Design, Go to Market Strategy, Operational Support Structure, Sales Strategy, Fraud Strategy, Processing System Design and Setup, Vendor Management & Contract Negotiations ****

• Worked to foster a branch environment that inspired, motivated, challenged, supported and provided recognition for exceptional performance • Maintained and coached a deep understanding and technical knowledge of financial planning, wealth management, consumer lending and retail & small business products/services to assure client’s current and long term goals were understood and fulfilled• Adhered to all regulatory and compliance guidelines and maintain all appropriate licenses and professional designations including MLO, Series 7 & 63 and NYS Notary