Judy Luck Email and Phone Number

Responsible for planning and implementing all the Bank’s Electronic Banking offerings which includes: online, mobile, remote deposit, wire transfers, ACH origination and positive pay. Ensuring all branch and support staff have a clear understanding of the offerings and any amendments to the offerings and that operations staff have the tools to manage backend settlement and adjustments.Function as subject-matter expert on the suite of Cash Management products and services working closely with sales partners to assess existing and prospective client needs to offer effective solutions and strategies to strengthen the client relationship.Act as the primary interface to the Bank’s core cash management and electronic banking service providers.Assisted with a complete core, and online banking conversion and managed the manual conversion and installations of all remote deposit clients.

The overall function of the position was to monitor Treasury Management Products intended for distribution in the Regional Banking Division to ensure associated risks were understood, appropriately measured, monitored and controlled. Participated in new and modified treasury product projects from a risk perspective, ensuring that risk mitigation strategies align with the Regional Bank's risk appetite.Identified existing risks and managed modifications to alleviate.

Managed two new projects to maintain momentum in the absence of the permanent manager. In addition, worked on an existing project and assisted with a fourth. Responsible for all aspects of the project management life cycle, including definition, business requirements, communications plans, etc.

Successfully managed conversion integration for Business Deposits group for two conversion events of 315 and 353 branches. The primary objective was to reduce the number of disparate products, while maintaining a transparent client experience. Coordinated business product mapping strategy with business partners, such as consumer, wholesale, brokerage etc., across the organization to ensure a consistent client experience. Coordinated and maintained source documents and facilitated on time delivery of all conversion documentation to appropriate endpoints. Reviewed and edited various internal training and client communications documentation to ensure alignment with product mapping strategy. Acted as a liaison between Product Managers and Enterprise Technology Solutions (ETS) to resolve programming and testing issues. Managed a project to automate cost allocation of collateralization expense of deposited bankruptcy funds.Coordinated Business Deposits, Product Manager’s conversion of existing data to new enterprise system.Managed the review and approval process of corrective communications for final conversion event.

Directed all deposit operations for a wealth management banking firm with 47 branches across 6 states and 240 ATMs, providing non-traditional private banking with a focus on customer service.Provided Commercial Cash Management oversight, including systems development, administration, external cash vaulting, and sales and service of both an online product and a PC based product.Implemented and managed technology components including CRM/New Accounts Platform, bank-wide teller system, OFAC and BSA compliant Wire Operations and ACH processing.Developed and managed all deposit training programs including new hire orientations, compliance issues, call center and IVR operations, and other areas of branch operations.Projects & Initiatives:Managed system conversions and staff re-training to support two acquisitions, one which expanded operations into the East Bay and the other which obtained a charter in Massachusetts and Connecticut.Championed use of cash dispensing machines to reduce cost and eliminate need for double custody.Spearheaded implementation of remote deposits via imaging equipment set up at customer sites. Key Accomplishments:Grew deposit operations and services to match growth of total bank assets from $4.8B in 2002 to $11.6B in 2006, with growth rates averaging 21% per year in total deposits over a ten year period, primarily through organic growth of branch operations.Achieved 75% penetration of account base for Internet Banking with a 50% bill payment penetration rate.Built Call Center operations from the ground up to 2007's level averaging 7000 calls per month.

Built Deposit and Electronic banking operations from the ground up, including all checking products, ATM, online banking, cash management, ACH and all related training and support.Served as key contact and provided vendor management for deposit core systems, ATMs and item processing. Projects & Initiatives:Helped increase sales by centralizing branch operational work: such as mail and courier deposits, simplified balancing, and streamline transaction processing.Drove development, implementation and support for teller system and new accounts platform.Grew Wire Room from Accounting function to a separate department, reaching 6500+ wires per month.Initiated first-ever free ATM access worldwide with reimbursed surcharges.

Hired to develop and implement a Money Market Checking Account Product for the bank while it was still a small Thrift and Loan which converted its charter to Savings Bank in 1991, then later to Commercial Bank.Projects & Initiatives:Implemented Money Market checking, the bank’s first checking program, later implemented a full range of checking products and related services.Investigated feasibility of offering ATM access through a Regional or National ATM Network. Converted bank’s subordinated debentures to an in-house system with a substantial cost saving.

Established the NOW /DDA and EFT departments for a small Thrift and Loan, and provided management support through several mergers and acquisitions and conversion to a nineteen-branch Savings Bank.Projects & Initiatives:Implementation NOW Accounts, ATM Card Holder Base via Networks, ATMs and ACH.Coordinated all facets of deposit systems conversions during each merger or acquisition.