Edward (Ted) Curd Email & Phone Number

Boston, Massachusetts, Us

Helping businesses take control of their cash through AP, AR, and cash forecasting automation. Providing integrated access to credit while maximizing risk and yield with a diversified banking account.

Boston, Massachusetts, Us

Helping businesses predict cash flows and optimize liquidity

- Own and operate residential real estate in the Greater Boston Area. - Professionally manage residential real estate in the Greater Boston Area.

- Managed strategic oversight of Business Banking digital assets (Mobile Application and Online Banking) with the objective to simplify UX, grow and enhance capabilities, increase adoption and integrate all product offerings.- Continuously monitored competitive position; synthesized learnings that fed into the digital roadmap for product design and engineering, planning and prioritization.- Responsible for GTM strategy of new digital product launches; lending, payroll and HR applications.- Developed GTM strategy for API based online banking dashboard, integrated payables (Accounts Payable & Accounts Receivable Automation), cash flow/working capital visibility, insights and recommendations, mobile bill pay, industry comparables, business planning, and zelle for business.

- Strategic management of Business Banking product lines to achieve acquisition, growth, retention and margin objectives including effective risk management and product enhancements while overseeing the end to end customer experience for each product. Strong focus on lending, payments, acquiring, and deposit accounts. - Facilitated ongoing improvement and visibility of products through simplification and strategic bundling.- Managed product design and deployment, customer experience, campaign planning, offers and communications. - Partnered with Finance to develop budgets and forecasts that actively drove discussion of product and pricing strategies to achieve budgets and expected portfolio behaviors.

Boston, Ma, Us

• Manage the First Data Merchant Services relationship to ensure growth in a top 20 U.S. acquiring business with $21B+ in spend,+$100M in revenue. • Ensure the vendor meets established objectives in terms of service and performance.• Integrate core business into retail incentive programs by highlighting new customer acquisition worth, cross-selling and retention value.• Champion development and launch of key alliance products to increase program activity and increase profitability. • Develop an in-depth expertise of First Data products, value added services, and pricing models. • Identify opportunities/market trends and implement strategies to drive incremental revenue.• Define value proposition and strategy for each segment and channel.• Design and execute training and communications plans for all Santander Merchant Services sales teams and ensure alignment with each business segment.• Coordinate dedicated sales force (60 Business Consultants, 4 Sales Directors) so they are aligned with segments to maximize sales. • Lead marketing strategy and coordinate collateral.

Boadilla Del Monte, Madrid, Es

- Conducted a market and competitive analysis of debit card products in Spain; analyzed and segmented a portfolio of 4 million cards to optimize communication and offer impact- Designed and implemented an early activation and usage strategy driving an 8% increase in portfolio performance year over year- Piloted and employed 8 recurring debit card campaigns targeting the frequency and breadth of usage while educating customers on product benefits and functionality; instituted innovative inscription technology to enhance customer enrollment- Tackled low transaction volumes at small ticket merchants by launching customized campaigns for contactless card products

Boadilla Del Monte, Madrid, Es

- Managed P&L for Santander Consumer Finance Cards; €221MM in annual revenues for 7 countries- Overhauled and led interval performance indicator reporting; distributed ongoing forecasts to Senior Management- Negotiated 4 credit card scheme proposals between MasterCard and Visa adding a projected incremental value of €25MM- Directed regular business meetings to drive portfolio performance, accelerate product development, and to implement best practices

Boston, Ma, Us

- Defined, built, and actively managed P&L for 4 major businesses; $120MM and $43MM in annual revenue and expense- Established annual budget and constructed monthly forecasts to analyze and evaluate performance against plan- Directed all aspects of financial control and budgeting for key projects and product development initiatives

Boston, Ma, Us

- Responsible for the day-to-day management of 2 major bank partnerships with American Express OPEN and ADP- Drove overall business performance through product champion initiatives by raising brand awareness in all channels and executing marketing and sales campaigns (Amex OPEN and ADP had compounded annual growth rates of 205% and 91% respectively)- Managed a direct report; responsible for onboarding, training, and developing financial analyst

Boston, Ma, Us

 Pioneered all aspects of financial control and budget management for 2 major bank partnerships; $12MM + in annual revenue Streamlined performance reporting and forecast process to accelerate partnership management  Designed and implemented an exception pricing database to determine the profitability of all new and existing business customers

Charlotte, Nc, Us

Project Manager for the 2004 Sales Forecasting and Incentives Program Redesign (6,000 employees and 15 core products)