Keith Oberg Email & Phone Number

 Set strategic vision and define goals and objectives to align with TIAA’s short-term and longer term strategic goals Lead a team of associates responsible for the E2E delivery of Net New Label Sales and Institutional Offers  Interact, grow and foster relationships at the C-Suite/senior leadership level within the client hierarchy; responsible for overall client satisfaction and excellence through implementation Lead the E2E delivery of clients participating in a Multiple Employer Relationship (MEPs/MEAPs) Partner with Territory General Manager(s) – MD Level to coordinate strategy plans; use data management systems to make fact based decisions and appropriately hold team and partners accountable for performance.  Drive strategic relationships with Common Remitter Services, Third Party Administrators, RIA’s and Consulting firms to ensure client goals are met while each entity has pointed outcomes Ensure Transition Managers and Site Leaders are delivering overall sales, service, and project management oversight during the implementation and on-boarding processes Provide crisis management and mitigation strategies for client issues/risks; lead the management team in creating and implementing mitigation strategies  Present TIAA’s institutional capabilities and platform during new business sales bids, RFP’s, Consultant Relations and other key business partner strategic meetings  Provide leadership, coaching and mentoring focusing on outcomes Provide transparent communication and metrics within the team, across leadership, with partners and with external parties. Complete ownership of the E2E delivery of setting expectations, plan document, client agreement, and onboarding requests within the context of our future state offer delivery value stream.

Charlotte, North Carolina Area

• Responsible for cross-site leadership, performance management and oversight for TIAA’s Institutional Client On-Boarding and Implementation Teams that support TIAA’s largest and most largest and complex/sensitive relationship clients• Own the overall client relationship management and interactions with C-Suite/senior leadership within the client hierarchy; responsible for overall client satisfaction and excellence• Manage relationships with Common Remitter Services, Third Party Administrators, RIA’s and Consulting firms• Ensure Transition Managers and Site Leaders are delivering overall sales, service, and project management oversight during the implementation and on-boarding processes• Set strategic vision and define goals and objectives to align with business unit goals as well as TIAA’s short-term and longer term strategic goals• Manage client issues/risks and lead the management team in creating and implementing mitigation strategies • Present TIAA’s institutional capabilities and platform during new business sales bids, RFP’s, Consultant Relations and other key business partner strategic meetings • Coach Sales and Institutional Relationship teams on positioning TIAA’s products, services, and solutions to meet client needs within TIAA’s standard offer by market segment• Optimize departmental productivity by reducing manual and non-repeatable processes that impact scalability and cost • Provide leadership, coaching and mentoring to the leadership team and their functional teams and roles• Collaborate with Resource Management and Capacity Planning function to prioritize and align resources against work streams and deliverables

Charlotte, North Carolina Area

• Responsible for the development and execution of sales adoption practices of TIAA-CREF’s individual product solutions within internal distribution channels within the institutional and individual channels• Set and lead recurring business management routines within TIAA-CREF distribution channels; identify trends, remove obstacles, and adjust tactics to reach common goals• Develop LOB specific strategies focusing on identifying early opportunities for collaboration, and for leveraging existing climates (consolidations, implementations, SRK, MRK) to provide additional financial coaching and solutions for institutional and individual clients• Coach Regional Relationship Managers to build, foster and maximize relationships with their business partners to gain trust and the ability to influence and change behaviors; focus on common goals and the end result• Partner with LOB senior leadership, key influencers, product managers and process owners within Institutional Relationship Management, Institutional Plan Economics and Client Engagement, Marketing, A&O, Institutional Sales, Individual Business integration to drive growth and elevate client experience• Serve as assigned distribution channel’s advocate to ensure their voice and needs have table stakes during Individual Business planning and execution activities• Improve sales processes and workflows incorporating LOB experience and feedback • Participate in Individual, Institutional and Marketing strategic business planning sessions to help partner with logistics and planning associated with integrated sales and service strategies• Utilize strategic thinking and tactful positioning of feedback to navigate and negotiate through complex and sensitive issues

Charlotte, North Carolina Area

• Established and lead a national sales and distribution division for TIAA-CREF’s startup banking organization • Business owner for the end to end design, development, and implementation of the bank’s national lending referral program; the program created a process for 2500 broker/dealer employees across 80 offices to position and refer their clients to the bank’s lending platform• Drove project management plans leading to the partnership and “buy in” of key influencers; these partnerships were critical to move processes forward, improve workflows and processes, and to clear runways to roll out new products and services• Designed end-to-end sales playbooks, including opportunity profiles, job aids, FAQ’s, talking points, sales checklists in conjunction with business partners and A&O leadership within the bank and the B/D• Partnered on the development of the bank’s launch, Go to Market strategy for the integration of new products, services and enhancements across all LOBs focusing on building a profitable and scalable solution • Monitored and evaluated sales processes and services quality, focused on consistency with brand and product design and delivery• Drove Banking Brand awareness both internally and externally; through various channels and engagements including social media, traditional media, seminars and benefit fairs to socialize the bank offer • Partnered with internal and external Marketing firms on story boards, launch promotion and sales campaign communication to segmented internal and external audiences• Coached and provided feedback to internal partners and servicing vendors; ensured seamless end to end delivery of products and services• Represented the bank during new business sales bids, RFP’s, Consultant Relations and other key business partner strategic

Charlotte, North Carolina Area

• Managed the end to end relationship of operational delivery to institutional clients; primarily responsible for increasing the consistency and quality of brand delivery and administrative efficiency.• Lead the development, delivery and administration of employer sponsored retirement plans and products at the Institutional level, maximizing redundancies that minimized cost and maximized institutional client satisfaction• Strategized with leaders within Sales, New Business Implementation Teams, Quality, Compliance and Product Development to optimize product delivery and deepen revenue share of assigned territory.• Strategized with Sr. Leadership to develop and provide proactive approaches in meeting or exceeding institutional needs with respect to asset takeovers, new business, enhanced administrative services and additional business proposals. (RFP’s) • Partnered and negotiated with Common Remitter Services, Third Party Administrators, RIA’s and Consulting firms; provided record keeping and operational oversight for TIAA-CREF retirement plans• Maximized productivity of Institutional Liaison assignments through coaching, utilized approaches designed to evaluate and communicate performance successes and gaps and increased business partnerships• Accountable to Executive Management, peers and customers for the end to end resolution of crisis situations, resources and the adherence to processes and control procedures implementing process improvement solutions.• Coached and lead team, providing guidance, training and motivation necessary to develop. Set performance standards, reviewed performance, provided feedback, and recommended wage/bonus increase in accordance with all applicable Human Resources policies.

Charlotte, North Carolina Area

• Managed Retirement Advisors responsible for building affluent client relationships and books of business through converting a pipeline of new assets through IRA, employer sponsored plans, retail and brokerage accounts; 2007 YTD pipeline $600mm• Managed staff to ensure client needs analysis, and market suitability was obtained in order to properly position Vanguard products and advisory services. • Managed team through the sales and promotion of Vanguard retirement accounts and mutual funds; execution of mutual fund buys/sells/exchanges for individual retirement accounts• Ensured that all Retirement Advisors were trained, and able to cross sell all appropriate products and services to effectively attract and retain client assets • Developed strategy, direction and alternatives to obtain optimal short and long-term objectives. Worked with senior management in the prioritization planning, development, and execution of these goals. • Provided metric analysis and made process change recommendations to executive management around process improvement tools and methodologies. • UNCC College Recruitment Chair - Developed strategy and established on-campus relationships to attract high potential graduates to Vanguard. Maintained and proactively recruited from established pipeline. Partnered with university career advising center and administrative staff to facilitate on-campus interviewing, resume writing workshops and financial presentations• Drove talent acquisition and retention efforts including the recruitment and interviewing processes (informational interviews, college recruiting, career fairs, interviews, etc.); fully supported Vanguard’s diversity initiatives by identifying, developing, and retaining diverse talent

Charlotte, North Carolina Area

• Managed the efficiency of transfer of assets on Wachovia retirement, asset management and brokerage accounts upon original account holder death • Specific focus on retention of assets through sales and cross sales of bank and brokerage products, providing value propositions for claimants to encourage them to keep funds with Wachovia• Worked with business partners on process improvements and workflow improvement to increase proficiency and lower company expense• Led, coached and supported staff though structured 1 on 1’s and informal daily information huddles• Managed to operational quality standards and efficiency output of 98%, process all claims within departmental efficiency standards• Responsible for managing individual state property abandonment laws as well as legal, state and IRS requirements and guidelines on claimed accounts to ensure bank compliance• Served as primary escalation point for complex problem resolution customer crisis and complaints• Developed unit training program and served as primary contact for all training related issues • Responsible for evaluations and appraisals, individual development plans and coaching, training, and career development. Partnered with Human Resources on any disciplinary action

Charlotte, North Carolina Area

• Responsible for guiding and leading the sales and service objectives of Bank of America through direct sales and management of sales and service staff • Partnered with mortgage, investment, business banking, fiduciary and financial planning business units to leverage services to customer needs• Utilized customer needs assessments to help provide customers with financial solutions. Supported a complex market of affluent customers with mortgage, deposit, retirement and asset management accts; as well as mortgage and credit products• Collaborated with other financial center mangers to help achieve common goals for our market • Managed, mentored, coached and supported entire banking center staff to maximize individual and team performance, while driving and exceeding established branch and regional sales goals • Utilized sales promotions and contests to help drive sales campaigns and used reward and recognition program to continue staff “buy in”• Cultivated customer relationships to retain, expand and deepen revenue share while increasing customer profitability. Managed all daily operational functions of the branch including cash tracking and management• Monitored risk policies and procedures to model government regulatory guidelines and Bank of America compliance• Outstanding upward trend in customer satisfaction scores (3) banking centers under my management; highest growth in the market at 17%

Charlotte, North Carolina Area