Denis Vaz Email and Phone Number
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An established Banking/FI Specialist with varied and specialized functional Skills & Competencies from 35+ years of International Banking and CXO level leadership experience in the Financial services industry. US market experience (2011-2019) in a President & CEO role. Other CXO roles were CEO-India and COO/CAO-Costa Rica, at Scotiabank. Board membership & Regulatory reporting were key responsibilities. Strong understanding of Treasury & Trade Finance products risk/accounting and Enterprise Risk Management. Specialized roles in Treasury Operations, M&A, Integrations/Divestitures. Strategic / Business Planning skills in defining KPI's/KRI's/OKR’s & Project Management, with Agile Business & Finance Transformation experience.Experienced in leading end-to-end Business Transformation & Change Management (2020-2022) in Caribbean/Central America Region (10+ countries), by consolidating Regional Operations Centers via Innovation & Change Leadership (implemented AI tools, re-engineered processes), to increase productivity and reduce costs. Achieved US$150 million annualized cost reductions, improved customer experience & reduced operational losses. Multi-cultural team building & collaborative skills gained globally through 8 expatriate assignments (Philippines, Malaysia, Greece, India, Hong Kong, Costa Rica, USA and Trinidad), in developed and emerging markets. Passionate about Coaching & Development of New Leaders, Improving Customer Experience and Enhancing end-to-end Productivity through Digital/AI Transformation. Professional Accounting (Masters equiv.) designation (CA), Bachelor’s Degree’s in Law (LLB) and Chemistry (BSC). Multi-lingual skills (English, Hindi, Spanish).
Self Employed
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Self EmployedMaharashtra, India
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Independent ProfessionalSelf Employed Jan 2024 - PresentSatellite Beach, Florida, UsIndependent Professional providing consulting and project based services, to the Banking & Financial Services Industry (BFSI) in the areas of:- Strategic Projects - Planning & Execution- Corporate Development / M&A / Divestitures- Digital / Finance & Operations Transformations- Risk & Treasury Management / Metrics & Risk Mitigation- Operations / Performance Management & Outsourcing Projects (GCC's)
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Career TransitionCareer Break Dec 2022 - Dec 2023Transitioned into a new career chapter as an Independent Professional in search of new opportunities, challenges and learning experiences......
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Regional Head - Operations Center, Transformation & Change LeadershipScotiabank Feb 2020 - Nov 2022Toronto, Ontario, CaOperations, Transformation & Change Leadership, Scotiabank Caribbean/Central America Region• Developed Business Strategy and implemented a full Transformation by building consolidated Regional COE’s in Operations, Accounting, Collections, Contact Centers, Compliance AML/KYC etc. • Eliminated >US$150M costs and >200 FTE’s, with increased productivity & scalability. • Digitally Transformed client sales fulfilment & support, by leveraging work-place flexibility within a post-pandemic business model• Increased revenues & efficiencies and lowered transaction costs by executing initiatives related to specific levers (Deflect Volumes, Automate & Simplify and Build Scale & Structural Efficiency)• Implemented AI/Smart Automation tools and Front-to-Back process re-engineering.to promote +ve customer journeys by improving processing accuracy, creating capacity, enhancing processes & controls, while reducing operational losses• Oversight of Regional Caribbean Hub (600+ staff) providing all Operations and Control functions (e.g. Compliance, Collections and Operations/GL Accounting/Recon Services) for Commercial & Retail loans, collateral, treasury / cash management services, wire transfers & payments for 10+ countries. -
President & Ceo / Board MemberScotiabank Jan 2011 - Jan 2020Toronto, Ontario, CaHead of Scotiabank Subsidiaries in Puerto Rico & USVI, USA & Board Member of all 3 local entities• Executive (CXO) Leadership of FDIC Regulated Retail & Commercial Bank’s in Puerto Rico and USVI. Loan books - US$4.3 billion, Deposits - US$3.8 billion, ~350,000 Clients and ~1,350 employees• Managed an Independent Board of Directors and all US Regulatory relationships (Fed, FDIC, State) • Strategically Planned & Executed a successful de-risking / divestment project to exit the Region • Created value through >US$45 million in annualized cost reductions (39% of expense load) via organizational rightsizing, branch consolidations, operational efficiency and a Finance Transformation• Developed & executed a portfolio de-risking program and maximized recoveries from non-performing loan portfolios by leveraging opportunities for portfolio sales and asset resolution strategies. • Leadership of Treasury functions, Corporate/Commercial & Retail Banking sales and CRM with a focus on loans, mortgages, auto-loans and deposits. Chaired Treasury ALCO to monitor market risks/pricing.• Achieved strong/fully satisfactory Regulatory exam & Audit ratings despite US Regulatory Complexity
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Deputy Chief Executive Officer & Cao/Coo / Board MemberScotiabank Jun 2009 - Dec 2010Toronto, Ontario, CaDeputy CEO & CAO/COO - Scotiabank de Costa Rica & Board Member of all 4 local entities• Executed Financial & Operational Business Planning & provided CXO level leadership for a new Central America bank acquisition including a Mutual Fund AMC and a Pension Fund Manager• Dimensions: 4 Countries, Total assets ~US$3.5 billion, Employees ~1,200, Branches ~31• Achieved and exceeded post-acquisition integration & stabilization including targets for FTE reductions, Cost synergies, Profitability and Productivity goals. • Direct reporting of Treasury, Finance, Planning, Compliance, Operations & Control functions• Implemented standard policies and processes, transaction/market risk limits, reporting and controls.• Managed interaction with local Boards & Regulators and addressed regulatory changes / deficiencies.
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Vice President - TreasuryScotiabank Jul 2005 - Jun 2009Toronto, Ontario, CaTreasury Business Development & Support, International Banking, Executive Offices• Strategic Planning & Direction of Retail/Commercial FX & Treasury sales in Caribbean & Central America (15+ countries) and matrixed leadership of ~200 local Treasurers and Relationship Managers• Supported Trade & Cash Management products sales for Caribbean, Latin & Central America units.• Provided Expert Input & Oversight in local country Asset-Liability Committee meetings to manage liquidity and interest rate policies to mitigate Market Risks, maximize loan margins & investment yields.• Planning & monitoring of Treasury revenues in alignment with Market Risk Policies and Risk Appetite• Executed Treasury Due-diligence / Integration projects for new acquisitions - completed 6 projects (Chile, Peru, Costa Rica, Panama, Puerto Rico and Jamaica – Lead).
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Vice President - Strategic Transactions & Corporate DevelopmentScotiabank Jul 2004 - Jul 2005Toronto, Ontario, CaStrategic Transactions (M&A) Asia, Scotiabank Pacific Regional Office, Hong Kong SAR• Strategic review, Financial/Risk analysis and Business cases for APAC FI’s acquisition opportunities• Identified and recommended Strategic M&A transactions in 5 Asia/Pacific emerging markets. • Built strategic relationships with Investment bankers and developed models for growth & profitability based on macro economics, market positioning, including projected revenues and synergies.• Presented recommendations to CXO level based on capital, cost and transaction terms & structure.
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Ceo & Country Head / Advisory Board MemberScotiabank Jul 1999 - Jul 2004Toronto, Ontario, CaCEO Scotiabank India - 5 branches, a bullion sales business, a finance company (NBFC) license• Launched Branch Expansions (3 new branches), a new NBFC and precious metals trading/sales.• Corporate Banking loan/treasury/trade finance product sales and Customer Relationship Management at client CFO/CXO level. Increased loan assets by 2.5x and Trade Finance product penetration/sales.• 100% increase in fees from Global Trade Finance & Correspondent Banking Relationships in India• Direct reporting of Treasury unit and Chair of ALCO to manage liquidity, interest rate and FX risks.• Built strong relationships with the Regulator (RBI) and achieved stable/satisfactory exam ratings.• Launched new commercial loan products to manage regulatory changes (prime rate benchmarks)
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Developmental Roles @ ScotiabankScotiabank Dec 1983 - Jun 1999Toronto, Ontario, CaRoles and Achievements - Highlights:• Managed South Indian branches based in Bangalore, India achieving growth & profitability in year 1.• Completed Credit Training and Development program at Global Risk Management, Toronto including risk analysis and front-line experience in Canadian Commercial Banking lending and CRM• Managed Operations & Systems in Athens, Greece - established 5 new/acquired branches• Banking Operations and Systems Support roles in Pacific Regional Office, Manila, Philippines and Toronto; including projects / assignments in other countries (India, Malaysia, London UK).
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Board MemberScotiabank De Puerto Rico & 2 Subsidiary Boards Jun 2016 - Dec 2019
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Board MemberScotiabank De Costa Rica & 3 Subsidiary Boards Jun 2009 - Dec 2010
Denis Vaz Skills
Denis Vaz Education Details
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Institute Of Chartered Accountants Of IndiaLaw -
University Of MumbaiLaw
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University Of MumbaiChemistry & Physics
Frequently Asked Questions about Denis Vaz
What company does Denis Vaz work for?
Denis Vaz works for Self Employed
What is Denis Vaz's role at the current company?
Denis Vaz's current role is Independent Professional - Banking - Business Transformation & Agile Change Leadership.
What is Denis Vaz's email address?
Denis Vaz's email address is de****@****ank.com
What schools did Denis Vaz attend?
Denis Vaz attended Institute Of Chartered Accountants Of India, University Of Mumbai, University Of Mumbai.
What skills is Denis Vaz known for?
Denis Vaz has skills like Banking, Risk Management, Shared Services.
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