Cynthia L. Stuart Email and Phone Number

CURRENT PROJECTS• Facilitation of a group Visioning Session with a school administration team to explore and identify organizational brand and strengths for future strategic application. • Leadership role on a forming school system board to assist with transition to 7-school district serving over 1,000 students during a 36-month timeframe. • Strategic planning in a rural Vermont town to increase recreation tourism and economic development. Activities include grant writing, research, community engagement, budgetary planning, and event promotion. • Assistance with development of newly formed local food shelf to serve food insecure population and increase community involvement and awareness. • One-on-one organizational coaching in home setting. PAST INITIATIVES• Assisted financial regulatory department through accreditation application process including review of current processes, writing of accreditation application, communication facilitation, and overall achievement of accreditation in the banking, mortgage, and credit union areas. • Individual coaching and mentoring to assist others to achieve career goals including resume writing, networking, counseling, and LinkedIn brand development.• Creation of new website for small municipality including mapping, organization and design.• Financial regulatory legislation review, research, update and implementation.• New webinar training development and implementation to deliver materials with a personalized approach utilizing technological, efficient, and cost-effective methods. • Zoning and Planning Board re-organization including writing job descriptions, reviewing and updating zoning by-laws, developing town municipal plan, achieving Village Center Designation, and grant writing while working with an established and long-term board.

Oversee the Vermont Banking Division of the Department of Financial Regulation which regulates and examines a variety of entities including banks, credit unions, lenders, mortgage brokers, sales finance companies, debt adjusters, and money servicers. The Division also provides consumer assistance, education, and outreach to protect consumers from financial fraud. Notable Accomplishments: - Led the Banking Division through achievement of bank, credit union, and mortgage accreditation. - Implemented efficiency efforts resulting in + 20% examination time and -13% drive time. - Updated outdated regulations and played a major role in 3 legislative studies. - Fostered transformation of division’s culture to align and modernize overall strategy and structure.

Guided the Retail Division to establish a strategic direction, achieve 2014 goals and finance objectives while providing superior client service and maintaining operational compliance and integrity. Member of ALCO, Audit Committee, Charitable Giving Committee, and Deposit Operational Committee. Also managed many operational areas including ATM network, Debit Card oversight, security, deposit compliance, and branch audit function. Notable Accomplishments: - Retail Division reorganization resulting in decreased turnover and improved employee morale. - Established bank wide training program for frontline, administrative, and sales employees. - Developed and implemented new branch peer audit program across 7 branch network.

Responsible for management of Retail Banking area including bank wide sales, goals, and incentive plan development, coaching of employees to meet customer service expectations, and effective management of branch/region network. Worked closely with lending area. Oversight of Deposit Operations including personnel, process and procedure management, compliance with regulatory and audit requirements. Also, responsible for oversight of new and existing product development and promotion including marketing, public relations, sales promotion, and training. Participated on bank’s ALCO committee, facility improvement oversight, continual coaching and mentoring of all bank employees, Infinex Investment Program coordination, and bank’s strategic planning implementation. Responsible for numerous special projects as assigned.Notable Accomplishments: - Effectively introduced CDARS, Health Savings Accounts, Lockbox, Home Equity, Merchant. Remote Capture, ICS, and Positive Pay products through strategy where branch managers were trained in specialty areas to deliver products and services. Program also created employee advancement opportunities. - Developed Leadership Program for all bank employees through receipt of State of New Hampshire grant award. - Participated on senior level team to acquire and merge branch of Factory Point in Springfield VT market. - Oversaw achievement of bank loan and deposit growth and budget goals annually.

Responsible for sales of all bank products including deposits, consumer lending, sweep accounts and small business loans up to $100,000 limit. Oversight of book of business that consisted of preferred customers. Encouraged and coached entire branch staff to meet and exceed sales goals in a highly competitive environment.Accomplishments:- Exceeded 170% of 2000 sales goals for deposit, commercial loans and production profit.- Passed Series 7 and 66 Securities Exams

Participated daily in the sales efforts of opening accounts, selling and underwriting consumer loans and home equity products. Ensured bank was making sound financial decisions, managed key customer relationships and cultivated and motivated a well trained teller and customer service staff. In 1997 Vermont Federal Bank was acquired by Vermont National Bank and I was offered a position as regional manager but decided to transition to Key Bank.Accomplishments:- Guided the Middlebury Branch to the position of top consumer lending branch bank wide.