Emmett Higdon Email & Phone Number

Charlotte, North Carolina Area

Charlotte, North Carolina Area

• Help financial institutions and fintech providers analyze consumer behavior and trends to deliver engaging experiences and deepen relationships.
• Combine strategic perspective, deep customer data, and a keen understanding of consumer expectations to help clients craft channel adoption and engagement strategies.
• Lead competitive benchmarking and transformation engagements to analyze existing digital channel performance and refine go-to-market strategies.

Charlotte, North Carolina Area

• Developed enterprise mobile strategy and led cross-channel integration across lines of business.
• Identified new business opportunities based on customer behaviors and current engagement.
• Monitored digital trends and competitive landscape for possible fintech partnerships or acquisitions.

Charlotte, North Carolina Area

• Reviewed clients’ current digital onboarding operations, simplified processes, eliminating waste and friction, and strengthened initial engagement and cross-sell opportunities.
• Raised clients' customer satisfaction and reduced annual digital channel servicing costs by unifying customer contact points and aligning timing and messaging of transactional communications.

Cambridge, MA

• Helped create annual secure site banking and credit card benchmarking and analysis program. Delivered U.S. and Canadian card and online banking rankings.
• Conducted primary research into consumers’ interest in and adoption of retail digital channel financial services functionality. Analyzed trends, recommended competitive responses, and predicted future shifts through.
• Delivered custom research and analysis that integrates primary consumer research, client “voice of the customer” insight, and industry data—resulting in specific, action-oriented recommendations for line of business.

Long Island City

• Redefined money movement strategy and product positioning. Leveraged existing internal networks to meet emerging payments demand, while improving efficiency and lowering overall operating costs.
• Launched next-generation P2P transfers, driving a 200% increase in consumer adoption and generating more than $500 million in new deposits.
• Managed consumer online bill payment functionality. Increased adoption 10% by simplifying biller enrollment and streamlining the overall user experience.
• Integrated vendor-based bill payment program with internal systems, reduced annual costs by 20% and streamlined the user enrollment process from six days to one.
• Conceived and negotiated vendor agreement to bring free bill payment to 12 million card customers. Created P&L model, working with lines of business to fund the initiative through additional cross-sell revenue.

Baltimore, Maryland Area

• Reduced statement costs by $5 million over three years with the introduction of e-mail and online alerts.
• Led web site redesign effort that drove 300% increase in new customer contacts in the following two quarters.

Baltimore, MD

• Drove annual sales increase of 17% with the delivery of a new sales kit and personalized product literature.
• Created tailored, segment-specific marketing strategies for property/casualty insurance products.

Bachelor Of Arts, Writing Seminars

Mba, Marketing

Photography