As President of UAS, Kellie is responsible for the overall strategic and operational performance of the Company. Ms. Harper leads the Company in its strategic vision where she is accountable for the overall direction and administration of programs, products, and services provided by the Company, including financial performance, credit quality, and risk management.

Responsible for the development, due diligence, selection process, and implementation plans for the Bank's strategic partnerships and programs.

Responsible for the Prepaid card-based financial solutions marketed to Pentius Members and prospects. Key decision maker and stakeholder in the everyday payment operations of The Pentius Prepaid Card Program.

Accountable for all credit related Marketing, Product Development, Product and Risk Management, with specific focus on iAdvance, a small-dollar short term loan, targeted towards the overlooked consumer population.Key Accomplishments: Under my direction, our team contributed to a 256% growth in product advances over a 9 month period. With the successful introduction and integration of a new client’s product in July of 09’, the team was well ahead of the 2010 budgeted growth projections by year’s end.Developed a thorough strategy to address regulatory concerns over recurring or habitual use of the iAdvance product with the overlooked population. The strategy was shared with, and was well received by, CFSI’s Innovation Team. CFSI opinion underscored the approach and they felt the design was of exceptional quality. The strategy carefully considered the impact and potential alienation that would affect the overlooked population if access to iAdvance were to cease. Multiple champion / challenger segments were created with varying degrees of treatment, which would allow the Bank to statistically measure the effects of each.Designed a Savings program that would effectively reduce the cost of credit by collateralizing a portion of the loan. This approach would address regulatory concerns around the sensitive nature of the products targeted consumer population. The strategy provided access to cheaper credit for the population, mitigated portfolio risk through collateralization as well as reduced the overall cost of funds to the Bank.Designed a web 2.0 strategy that would allow iAdvance partners to dynamically market the product within a Bank controlled evironment.

As an independent consultant and the President of Sharper Direct, a marketing consulting services and strategy company, I specialized in the product development, project management, methodology and planning of financial services projects. I served as a subject matter expert for a variety of companies looking to pursue direct response marketing, loyalty, retention, planning and segmentation strategies, pricing, market research, trends and implementation methodologies.

Senior Marketing Executive responsible for building and leading a world-class sales and Marketing team. Strong business acumen with the ability to execute a wide range of sales and Marketing strategies designed to create a strong market presence for Merrick Bank. Strengths include strategic planning, operational design, and infrastructure development all of which support Marketing and Business objectives.Responsible for VISA and MasterCard Association relationship, including, compliance with Operating Bylaws.