Joseph Phillion Email & Phone Number

Boston, Massachusetts, United States

Project ManagerPolicy and Procedures ImplementationRegulatory Compliance Assessment and Implementation

Managed the retail and operations departments of a $500M community bank.Coordinated bank-wide technology system application upgrade that resulted in enhanced functionality in all departments of the bank.Assigned role as Branch Secrecy Act (BSA) Officer in addition to Retail Operations function.Implemented changes in policies and procedures.Managed three FDIC BSA exams, two State Division of Banks' BSA Exams, and internal/external audits. All examinations resulted in satisfactory rating.Transitioned BSA officer position to newly hired Security/BSA Officer.Chaired New Product Committee and developed a new Rewards Checking Product, providing a distinct marketing advantage in order to encourage customer use of technology-based cost saving services to strengthen the bank's bottom line and expand the bank deposit base and customer ATM access. Opened new branch operation, including researching location, interviewing and staffing branch, ATM purchase and service options.Implemented Branch Data Capture function, where bank realized significant cost savings and operational efficiencies while improving client service. Coordinated the retail interface with marketing, lending, training, insurance, and investment departments.Managed the facilities and security departments and interfaced with all other bank departments.Managed the retail and deposit operations relationship with the bank technology vendor.Member of Senior Management Interview Committee in hiring process for: Vice-President, Human Resources; Vice President, Comptroller; Vice-President, Investment Advisor; Assistant Vice-President, Security/BSA Officer; Branch Managers.

Managed the retail banking network for a nineteen branch, $1.4B bank. Achieved deposit growth in excess of $45M.Coordinated retail efforts with marketing, lending, and insurance departments.Established and monitored product sales goals. Ranked in top five in sales of insurance and annuity products.Managed retail systems and training functions integration with branch network.Worked with retail, systems, and training functions, including budgeting, staffing, and policy and program implementation.

Managed the successful transition and stabilization of two $800M acquired consumer and commercial markets.Directed the activities for the financial performance in a post merger $300M market.Maintained a 95% consumer and corporate client base exceeding the corporate goal of 85%.Developed and expanded business development activities and managed a staff within the defined retail and corporate lending market of a $5B bank.Worked with line and staff functions (e.g., branches, lending, human resources, finance) within market area including forecasting, budgeting, staffing, and implementation of programs and policies.Established sales goals and strategies; monitored and recommended changes in sales effort as needed. Achieved or exceeded cross-selling and new account goals for market.Represented the bank in various civic and community functions to enhance its image, develop additional business, and become familiar with community's issues and trends.

Managed the Retail Banking, Technology, Deposit Operations, Retirement Services, and Marketing Divisions, and managed a staff for a $500M bank.Performed product and market research and analysis resulting in developing two products that generated a $40M and $15M increase in deposit base, respectively.Chaired task force for due diligence, selection, and conversion of new technology vendor, resulting in improving accessibility of information and integrating software with other operating departments.Chaired Retail Task Force to address profitability, trends, pricing, fee, and product/service development and delivery goals of the bank.

Assumed an expanded senior management role for several departments in company reorganization.Collaborated in a team effort to return the company to a ten-year high profitability in a turnaround situation.Worked effectively with consultants in multiple restructuring projects.Managed the evaluation and recommendation of a new technology system, resulting in coordinating the conversion effort with all major divisions of the bank.Managed technology service activities and delivery to staff and customers.

Bachelor Of Science, Business Administration

Education record