Daniel Melchior Email & Phone Number

Chicago, Illinois, Us

Division Sold to Transunion• Created and managed an industry-first portfolio management and analytics tool. Landed 3 clients with $2B+ of combined assets in the first 24 months.• Installed product management discipline to improve scalability of four sophisticated data management solutions.

Jersey City, Nj, Us

International, big data analytics firm performing cutting edge analytics, modelling, and forecasting for large banks.• Leveraged 20+ years of experience and contacts in the financial services industry to land multiple new clients. • Drove integration of products & services of acquired company specializing in financial modeling, regulatory reporting, and compliance to deliver $75MM in annual revenue.• Spearheaded integrated Business Development practices, financial forecasting, and monthly reconciliation.

Kansas City, Mo, Us

Redesigned and rebuilt data IT structure to optimize consumer and small business credit cards data warehouse.• Designed downstream utilization of new data warehouse for financial planning and analysis, reporting, forecasting, product management, and marketing analytics for consumer credit cards.• Drove multiple projects across UMB Bank to integrate partners into this new data structure, elevating their data analytics, forecasting, and modelling to new levels. Once implemented, profitability increased through new credit risk initiatives, advanced fraud analytics, and more sophisticated pricing strategies.

Charlotte, Nc, Us

Consumer and Small Business Deposits$450B+ deposits portfolio for consumer small business. Staff managed/influenced in matrixed organization: 50.• Propelled portfolio growth 20% more than industry average by designing and implementing competitive rate and fee intelligence process, achieving $25MM annual incremental profitability.• Designed specialized pricing strategies within targeted market segments, exceeding growth goals by >40%.• Drove pricing continuity across all of Bank of America’s entities; Consumer, Small Business, Wealth Management (Merrill), Mid-Market, and Large Corporate.

Charlotte, Nc, Us

Consumer and Small Business DepositsOversaw product management, product development and product pricing of $40B portfolio of money market and savings products. Staff managed/influenced in matrixed organization: 25.===SELECTED ACHIEVEMENTS===• Developed, tested, and launched six new money market savings products nationally exceeding goals by 25%+.• Organized multiple existing pricing analytics resources, including internal databases, external vendors, and associates across teams, to develop robust, by-market pricing strategies.

Charlotte, Nc, Us

Merchant ServicesOversaw budgeting, planning, and financial management for $950MM NIBT electronic payment processing division with >$350B in transactions annually. Staff managed/influenced in matrixed organization: 100.• Managed team of 20 finance professionals delivering monthly performance reporting, product analytics, strategic planning, and long-term forecasting. Also had dotted-line influence over 100+ professionals in IT, operations, and customer service.• Led consolidation of financial reporting for $1.4B acquisition of National Processing, Inc.• Enhanced and consolidated two separate datasets, reporting sets, forecasting processes, and analytics practices.

Charlotte, Nc, Us

Portfolio Credit RiskDrove alignment of credit line management strategies, analytical models, and data processes across entire credit card portfolio. Staff managed/influenced in matrixed organization: 50.• Spearheaded process identifying unprofitable accounts; reduced credit losses by $20MM per year.• Consolidated 12 initiatives to 5, driving $5M savings in development costs, reducing overall delivery time from 2 years to 9 months, and $65MM hike in net income over two years.

Charlotte, Nc, Us

Financial Planning & AnalysisDirected all financial planning and analysis for $65B consumer card portfolio. Staff managed/influenced in matrixed organization: 25.• Built and led team of financial analysts delivering monthly financial reporting and forecasting, ad hoc analytics, and annual strategic planning.• Drove transition of reporting, analytics, forecasting, and strategic planning from multiple, high-level spreadsheets to consolidated, account-level, multidimensional database tool.• Leveraged subject matter experts, such as statistical modelers, database programmers, and BI analysts, from across the organization to perform above transition in under 3 years, while also integrating these advanced capabilities into product management, product development, new account acquisition, and marketing analytics to skyrocket product portfolio growth by $35B organically.

$400MM direct marketing company offering gifts, home décor and cookware through a sales network of 50,000 independent contractors.Hired to develop the strategic, financial, product and marketing data structure, forecasting, analytics, and reporting processes and practices to optimize organizational operations utilizing SAS, SQL, and Cognos.• Built company’s first-ever data driven strategic planning and financial reporting, plus analytics processes across finance and marketing.• Through COGS analysis, identified profitability by product-type and integrated it into overall product strategy and promotions to create a 5% growth in net revenue.• Saved $2.5MM in foreign subsidiary tax liability developing and implementing a transfer pricing methodology to hedge foreign exchange rates for subsidiaries in Mexico and Canada.

Topeka, Kansas, Us

Corporate Planning DepartmenT• Developed budgets, served as controller for a division and performed ad hoc analysis utilizing SAS.• Saved over $2 million in stores’ overhead expense by improving expense allocation methodology.

Mba, Finance, Statistics

Bs, Business Admin, Political Science