Citizens Access is a nationwide direct-to-consumer digital bank, offering FDIC-insured deposit products to serve an increasing number of savers who value the flexibility and convenience of an online offering. Citizens Access offers online savings and CD products at attractive rates with absolutely no fees. Citizens Access is a division of Citizens Bank, N.A..

Responsible for the Everyday Banking P&L, including all checking, deposits, credit & debit card, and payments products and services. Accountable for portfolio management of $74B in deposits, $1B of net interest income, $485 of fee income, and $1.4B of expense.

Responsible for leading the Retail Deposits and Payments product team, consisting of 110 associates. Accountable for the portfolio of 5 million deposits Customers and approximately $1.8 billion of revenue.

Responsible for implementing and providing Client service for all Treasury Services offered outside of the United States. Leading 350+ associates in 31 locations in 21 countries, who provide new service fulfillment and long-term Client service to 4,320 clients. This business represents $2B of revenue and $680M of Net Income for Bank of America.• Completed detailed 3-year strategic plan for International Client Service and Fulfillment, resulting in a significant increase in investment for 2008• Implementing Bank of America’s first global client service technical infrastructure• Developed the “Service Advantage” marketing program, focused on Bank of America’s client service and fulfillment capabilities

Responsible for managing a portfolio of 25 million checking households. Personally accountable for over $6.0 billion of service charges, 9.1% of Bank of America’s total revenue. Led sales and retention efforts to continue to grow the checking portfolio. Providing leadership and direction across the executive team on all service charge related issues (Public Policy, Litigation, Risk Management, and Media Relations). • Increased the checking portfolio by 2.3 million accounts in 2007, with over 9 million new accounts sold• Implemented portfolio growth, pricing and transaction processing initiatives, producing 12.4% year-over-year growth in total deposits non-interest income ($663 million increase)

Responsible for all Sales results across 887 Banking Centers in 19 states across the country. Managed the Sales and Marketing team for the division. • Achieved highest levels of sales productivity amongst all five divisions across the nation, 18% year-over-year growth in total sales units. • Introduced several new associate and customer promotions, generating 28% year-over-year growth in credit card sales and 26% in first mortgage.

Responsible for all Operations, Sales, and Service through 544 Banking Centers in 10 states across the Central Region of the country.• Achieved 43% Total Sales Productivity (26% - checking, 60% savings, 23% card, 48% first mortgage purchase applications)• Achieved Customer Delight Score of 74.7%, where this number of customers rated us ‘9’ or ‘10’ on a scale of 1 to 10.• Developed and implemented Bank of America’s Growth Strategy for entry into the Chicago Market. Opened 36 new stores with 89% exceeding $1 Million in monthly deposits growth.

Responsible for all Bank of America Credit Card sales through the Banking Center, Online, and Telephone channels. Also responsible for three major Business Units – Military Banking, Student Lending, and our Government Travel & Purchase Card business.• Increased Credit Card Sales 48.5% nationally to 1.26 Million Cards in 2003, through the Banking Center, Online, and Telephone channels (Up from 852,000 in 2002)• Implemented a system to automatically present pre-approved Credit Card offers during DDA account opening.• Generated $319 Million in Revenue through the 3 P&Ls in my organization, Student Lending, Government Card and Military Bank.

Responsible for all Consumer & Small Business Online services, including BankofAmerica.com, Online Banking, BillPay, and Online Product Sales. Led the eCommerce team consisting of approximately 120 eCommerce associates, plus indirect management of over 200 Technology and Operations associates. Key Priorities included driving significant increases in Active Online Users, revenue from online sales & services, and productivity from transaction migration.• Increased Active Online Banking users from 1.3 Million to over 5.0 Million • Developed the concept and led the implementation of Free Online BillPay, establishing Bank of America as the nation’s largest online banking and BillPay presence• Generated $98.5 Million in Shareholder Value-Add through the Online Channel in 2002: Reduced Cost per Online User 17%, Increased Online Sales Revenue by $21.9 Million, and Generated over $70 Million in Customer Retention, Transaction Migration, and Relationship Growth benefits.

Led all eCommerce activities for GE Aircraft Engines. Responsible for the strategy, development, marketing, operations, logistics, and support of all GEAE web-based services. • Managed an eCommerce budget exceeding $20 Million in Expense, a direct staff of 32 personnel and an indirect support team of approximately 80 personnel. • Developed and launched GEAE’s Customer Web Center with over 300 major airline customers across the globe, including parts ordering, supply chain management, technical documentation, and technical certification capabilities. The Customer Web Center transacted more than $1.6 Billion in its first year of operations.

Directed all eCommerce operations for Lexmark. Led the design, development, and implementation of more than 85 custom, online catalogs. Developed and managed the supporting infrastructure to include Information Systems support, Order Management, Order Fulfillment, Customer Service, and Marketing.

Desert Storm Veteran