Digital Payments and Money MovementDigital TransformationRisk ManagementBrokerageBankingIntegration of TD Ameritrade and Charles Schwab

Specialty Areas:Banking & Cash ManagementBrokerageLendingDepositsATM - Placement, Vaulting Services

Responsible for Digital Banking Strategy and Platform ownership. Including Digital Cash Management and Deposits Products roadmap.Introduced new Deposit Program; including FDIC Savings Product, CD offerings, and Bank SweepsCreated new ultra high net worth Business Credit Card offeringBill Pay, Funds Transfer, Mobile Deposit, Credit Cards, Securities Backed Lending, Mortgages, Business Banking, ATMs

Guided cash management product offering comprised of Debit Cards, Mobile Payments, ACH, Direct Deposit, Sweep Deposits, Bill Pay, Credit Cards, and Wires.• Created and implemented strategic roadmap for firm’s digital retail cash management product offering• Enhanced online new account ACH funding process resulting in $9 million additional funding within first 60 days of launch• Introduced incremental enhancements for ACH offering, reducing client dissatisfaction by 46%• Introduced Apple Pay and EMV technology for debit card portfolio, resulting in 7% increase in card usage• Chaired Bill Pay vendor conversion including RFP, vendor selection, contract negotiations, resulting in an enhanced client experience • Implemented 7 Bank Extended Insurance Sweep Deposit Account Program; de-leveraging firm’s balance sheet by moving $5.3 billion of cash deposits to 3rd party banks, increasing profitability by 14% • Developed comprehensive Marketing plan to change client behavior and enhance the profitability of cash management products by 19% • Reduced vendor costs by 26% by negotiating new and existing contract terms• Collaborated with Digital, Client Service Center, Technology, and Operations teams to journey map all products and build best in class offering • Transformed third party risk management oversight for 6 vendors, resulting in enhanced Service Level Agreements, improved vendor performance, and overall risk mitigation for firm • Orchestrated proposed Credit Card product offering to increase client’s share of wallet• Mentored a team of talented product management professionals

Managed Retail Cash Management product offering compromised of 1.3 million Check-writing accounts and 500,000 Debit Card holders. • Implemented capabilities to attract additional deposits via ACH • Generated $21 million in new assets with the introduction of ACH for all clients • Reduced paper check disbursements costs by 13% with launch of ACH capabilities• Collaborated with 25,000 Financial Advisors on benefits of cash management products • Created internal retail cash management website for marketing collateral, online training, and processing guidelines to assist Financial Advisors and support staff with promotion of these features . Oversaw fraud management for Smith Barney’s premier asset management account. Streamlined processes for treating debit card full track data account compromises. Established cross-functional fraud units that met on a weekly basis. • Represented Smith Barney on Citigroup’s Global Wealth Management Fraud Committee• Conducted client and branch seminars on Identity Theft and Fraud prevention• Introduced overall fraud forecasts, budget, loss, and recovery metrics

Various product management roles within the organization all of which improved the client’s experience while increasing revenue. Forged alliances with key stakeholders to offer best in class product solutions.•Pioneered company’s Corporate Stock Option business resulting in $55 million new client assets first 8 months•Implemented strategic client segmentation and pricing initiatives resulting in $20 million in NIAT•Increased annual revenue by $12 million by implementing margin interest rate and option commission changes•Launched enhanced online options trading functionality, increasing option DARTS by 12% •Authored and presented competitive analysis reporting for Executive Management team •Led team of 30 associates responsible for Competitor Analysis, Mutual Funds, ACATS, Corporate Actions•Initiated dedicated Active Trader Customer Service support teams •Negotiated service level agreements; served as intermediary between vendors and Legal department for issues surrounding contractual relationships•Managed regulatory projects by effectively collaborating with core business units, ensuring compliance, customer awareness and distribution of required documentation•Business Continuity coordinator for Product Management teams