Joe Raymond Email & Phone Number

California, United States

Atlanta, Ga, Us

Piloted Growth in Greenlight's Innagual Credit Offering -- We want to raise kids who understand the power of credit, but also grow up understanding the responsibility of maintaining good credit.What Greenlight has built is so true to the mission: shine a light on the world of money so that we can raise financially smart kids with early-credit onramps and early-credit education as growing principles of these financial smarts.

Drove Wilbur’s entrance into Fintech for seed-stage investment opportunities. Hands-on market-needs/ ideation, consumer market research & discovery, MVP development, business model architectureHands-on EIR role: Improve consumer credit access for Credit Invisibles and create improved intake valves for Credit Bureaus. Improve financial inclusion and increase access to the responsible use of debt.Hands-on EIR role: Broaden access to financial advice – consumers who are otherwise excluded from the financial advisor market or rely upon disingenuous and ineffective lead-generation solutions

San Francisco, Ca, Us

Drove execution on a portfolio of eCommerce, payments, loyalty and customer strategy initiatives for a McKinsey-lead engagement with a major US Consumer toy brandInterim Product Management Director leading initiatives related to payment & checkout, return user loyalty, and conversion rate optimization. Partnering with Agile development team to deliver toward +100% year-on-year forecast. Driving user-segmentation analysis to elevate key priorities and positively impact roadmap success.

Satellite Beach, Florida, Us

Mountain View, California, Us

Head of product for consumer solution to understand and improve credit score. Responsibilities include overall consumer credit journey customer experience, monetization, and revenue growth via credit and loan lead-generation business model.

Mountain View, Ca, Us

Abra is making cash mobile. With Abra, you can send money to anyone with a smartphone, anywhere in the world, with or without a bank account. It's instant, direct, and secure. Send money to friends & family, or even buy things online without needing a credit card. Currently available in the US and the Philippines; expanding to more countries in 2016. Yes, it's Bitcoin, but Bitcoin is the "how" not the "what."

San Francisco, Ca, Us

Built a focused product organization to propel growth in digitally-originated international money transfer. Drove product and experience mission to always put the customer first and press for industry change beyond the unfriendly practices of legacy incumbents.Overall, set product in position to grow and scale with key corporate development milestones achieved with IPO in February 2013 (Nasdaq XOOM); acquisition by PayPal in November 2015 as PayPal’s largest acquisition to date.

Calabasas, Ca, Us

Own, Manage, Improve Cafepress retail line of business and associated web apps. Responsible for overall business line P+L, product management, and oversight of customer acquisition spend/ strategyProduct manage Cafepress website -- largest online destination for user-generated designed apparel at over 5 million monthly unique users. Manage cross-functional team focused on driving topline growth, maximizing customer funnel engagement, and hitting user experience metrics and goals.

Us

Owner of User Experience, Web applications, and 1-to-1 marketing products for pioneering consumer biometric payment company with live-market installations in major supermarket chains in midwestern states.

Us

Over the course of 9 years, I spanned many roles with broad range.- Executive owner and overall program manager for etrade.com global redesign. Improved clarity of presentation; fostered brand integration across lines of business; evolved a hard-to-navigate online experience through an overall usability improvement program.Built cross-company organization to synchronize product management, customer service, marketing, and technology. - Integrated E*TRADE Bank into overall product portfolio. Developed product approaches aimed at solidly integrating E*TRADE’s growth in consumer banking and home mortgage verticals. Managed a team of product managers toward the expansion of E*TRADE’s online banking and mortgage feature set. Lead product team in building advanced Internet electronic funds transfer. New money movement products yielded double-digit deposit growth for E*TRADE Bank in first quarter of operation.- Expanded E*TRADE’s distribution channels beyond the desktop to mobile and voice platforms.  Pioneered E*TRADE’s profitable entrance into transactional mobile platforms for brokerage and banking (WAP, RIM, PalmOS).- Delivered best in class mobile product leadership awards – USA Today #1 Mobile Financial Brokerage, October 2000; ComputerWorld Magazine Top 25 Wireless Innovator, December 2001.- Conceptualized and launched a first-generation speech recognition solution for self-service trading and automated customer service routing platform in conjunction with TellMe networks.

Responsible for overall financial operations, planning, cash flow, profitability, and controls. Head of day to day business operations, planning. Developed business plan and equipped consulting services and software product businesses for venture financing and eventual acquisition by Proxicom, Inc.

Financial management training & rotational program member

Ba

Mba, Finance