Kelly Ramirez Email & Phone Number

Foster City, California, Us

Foster City, California, Us

Foster City, California, Us

Foster City, California, Us

Riverwoods, Il, Us

Set strategic direction for insurance business, as well as all facets of NPD including competitive analysis, opportunity sizing, benchmarking, partner vetting, contract negotiation, product build, and P&L. • Achieved breakeven profitability on suite of new insurance products within four months of launch by creatively designing acquisition and channel plan.• Reduced time-to-market from 1+ years to four months and shrunk business partner effort by more than 50% by developing and implementing new lean processes to streamline and expedite new product development activities. • Generated more than 100M online visitors and increased awareness of insurance product suite by leading the design and build of a state of the art online insurance center.• Led a team of marketing and new product development professionals who won Discover’s top marketing award for superior team performance and innovation.

Riverwoods, Il, Us

P&L responsibility for the Cash Access line business with six direct reports and an annual budget of $15MM (2005 - 2007). Led card activation and usage efforts with six direct reports and an annual budget of $12MM (2002 - 2005).Generated $2.4Billion in annual cash volume while maintaining below market charge-off rates and improving customer engagement by: • Leading efforts to analyze portfolio and benchmark against competitors, revealing growth opportunities and reversing a 7-year trend of consistent year-over-year volume decline while meeting risk objectives.• Developed new segmentation of Cash users, enabling more targeted credit line management and marketing eligibility criteria. Year 1 efforts delivered $58MM in incremental cash volume without adversely impacting yield.• Identified new distribution channel that enabled online cash into checking accounts, thus recapturing volume lost through shrinking In Lobby traffic.• Increased cash access ATM acceptance by 58%Generated $550MM in incremental sales and 900M incremental debit active accounts per year by designing and managing a suite of direct mail programs, developing improved response models, and launching new forced plastics programs.• Improved customer engagement and early life usage by 15+% by establishing a new telemarketing team and a series of strategies to increase awareness of card benefits and customize account features to better match customer needs.• Recognized for superior direct mail results and awarded Discover’s top award: Leadership Award.Marketing Manager - Led marketing strategy and communication for several channels including billing statements, service letters, and Features and Benefits. (1999 - 2002). Increased number of targeted offers in statements by 40% and generated $12Bn in incremental balance transfer and cash volume by developing and implementing check functionality and duplex print capability.

Minneapolis, Mn, Us

As a member of the Executive Team, was instrumental in shaping corporate strategy and direction. Led change management efforts including direction of employee communications strategy and leading workshops for all levels of staff to create alignment and generate buy-in. Designed and implemented new organizational structure to create efficiencies and drive performance. Developed master brand and managed brand consistency across multiple business lines and 240 offices in 4 states. Directed marketing strategy for Illinois Bank businesses (Trust, Investments, Commercial, Retail, and Private Banking).• Achieved smooth transition and exceeded customer retention goal by 20% related to the acquisition of First Colonial Bankshares, and merger of 18 banks and 45 offices into one legal entity by crafting and executing a comprehensive, well-thought out marketing plan.

Mba

B.A., English, Spanish