Product Development Executive with a deep background providing actionable Competitive Intelligence and Research. I deliver profitable, customer-focused products and competitive and customer insights through many economic cycles and strategies.I connect the dots for those running the business -- analyzing disparate data, seeing payment and commerce industry trends before they are readily apparent to most others, and then articulating those findings to help them make strategic decisions.I built the Competitive Intelligence function at Bank of America from a one person shop to a team of highly skilled storytellers, using data to inform the corporate narrative for the direction of the bank.At Citi I put vision into action leading a cross functional team to implement the first proprietary large bank wallet in the US, CitiPay.Now at TD I am fortunate to work with a superior group that has a laser focus on fixing customer problems in Financial Services. My role is to lead my team in seeing customer problems as opportunities for TD to differentiate our experiences to customers and ensure that our business leaders have the right data, information and storyline to move confidently towards success.I attribute my success in market-insights, strategy and product development to my experience in the trenches focusing on customer and prospect behavior -- in Direct Response Marketing, Acquisition Strategies, Portfolio Quality Analysis – and through direct customer interaction making decisions on credit applications and responding to customer calls. I was so lucky to have these direct customer interactions because they always force me to put the customer first in everything I do.