Emily Rueth Email & Phone Number

United States

Collaborating with card payment issuing banks, credit unions, and fintech firms to develop strategies that enhance revenue, minimize risk, and cultivate lasting customer loyalty. Key Offerings:Strategic & Tactical PlansImplementation Plans and Support Revenue OptimizationRisk ManagementCustomer Engagement

Cincinnati, Ohio, United States

While serving as a Director of Cards and Payments Solutions at First Financial Bank, I was selected by executive leadership to manage full suite of payment products, spanning consumer and business credit card, debit card, prepaid, instant issuance, ATM, ITM, and cash transaction machines while managing vendor, processor, and network relationships. Oversaw P&L, developed new KPIs, reviewed and renewed contracts, conducted financial forecasting, and ensured engagement with Visa.• Achieved $2.8M in cost savings within three years by re-negotiating debit processing agreement.• Increased debit card penetration rate by 600bps, activation rate by 760bps, and growth rate by 150bps in single year.• Increased credit card customer engagement by 12%+ and net interchange annual income by 8% through developing and executing against robust product strategy and roadmap.

Cincinnati, Ohio, United States

As a Director of Retail Bank Sales and Service, I coordinated to overhaul design and delivery of sales, service, and operational processes in support of the retail branch network. As a business partner I assessed retail needs and identified sales and support priorities to meet business goals.• Increased core banking product sales by 32% by developing and launching CRM strategy• Spearheaded revamp and delivery of Retail Bank associate sales training; drove 50% Salesforce adoption

Cincinnati Metropolitan Area

While serving as a Director of Emerging Client Segment, I managed Emerging Client Segment customer base for retail bank focused on low to moderate-income customer and established clear goals. I oversaw recruitment from initial job posting and interviewing to final selection and training to meet diverse staffing needs.• Hired and mentored distributed team of 31 associates, delivered clarity and definition for positions, conducted performance assessments, and provided constructive feedback to staff members.• Enabled team to deliver more than 2k engagements and attend more than 1800 community events to support bank’s key pillar of “being local” which demonstrated as a regional/community-engaged bank.

Columbus, Ohio Area

As a Senior Director of Credit Card Product Management at Bread Financial (formerly Alliance Data), I managed product value chain for full portfolio of credit card products, including private label, co-brand, and commercial credit cards while managing from product standpoints. I oversaw product P&L and mentored 15 staff while reporting to executive leaders.• Propelled 12% AR growth across multiple credit card product lines by establishing aggressive product strategies and roadmaps.• In partnership with business development, constructed and reviewed RFIs and RFPs while serving on a new contract review committee.

Columbus, Ohio Area

While serving as a Director of Co-Brand Product and Capabilities, I oversaw P&L for co-brand credit card products with a focus on GTM product strategies to support company success and profitability. I created a five-year roadmap and supervised 12 direct reports to improve top and bottom lines.• Yielded $800M in AR by re-launching and optimizing balance transfer programs in partnership with Visa, MasterCard.

Chicago, Il

As a Director of Market Development at Citibank Cards, I facilitated business development team RFPs and RFIs in pursuit of new retail client partnerships in support of organic growth goals. I designed and executed annual strategic plans in collaboration with C-suite and fellow senior leaders to grow existing accounts and penetrate untapped markets for a $45B asset base across 20+ partner management teams.

Chicago, Illinois, United States

As a Program Manager, I shared ownership and delivery of the P&L for a multi-billion dollar asset, consistently exceeded all financial targets that drove a positive financial benefit to the top and bottom lines.

Chicago, Illinois, United States

Program Manager, Sears Credit Cards PortfolioBusiness Initiatives Project Manager, Sears Credit Cards PortfolioProgram Manager, Home Depot Credit Cards Portfolio