Larry Andrews Email & Phone Number

Greater Los Angeles Area

Greater Los Angeles Area

Oversaw improvement of technical sales team effectiveness through better messaging, clarity of value proposition and connectivity to audience. • Developed a new solution concept for ATM Network security including go-to-market plan, white paper, presentation introduction, and value proposition.• Anticipated needs and partnered with contacts within financial services industry to impact positive global sales ramifications.• Developed application of biometrics (voice and digital picture ID) in digital new account opening to reduce time to establish account from week(s) to less than 15 minutes. Projected to improve efficiency, expense, customer experience, and revenue.• Created format for “what-if” model that was adapted for other initiatives by marketing.

Atlanta, Georgia

Steered strategy to move into new product and service lines as well as creative design leadership in bank and retail space, digital, trademark and collateral material.• Developed Video ATM customized surrounds and design process elements to accelerated digital migration, reduce costs and improve efficiency while maintaining or improving customer experience.• Remodeled design for Jackson Hewitt’s retail tax office store front offices to improve efficiency, customer experience and deepening of wallet share.

Developed vision and strategic planning to improve targeted performance, channel integration and cross channel lift of 2,800 ATMs throughout the retail bank. Partnered with all major departments to gain support and ensure execution to plan.• Saved organization $1.8 million annually by eliminating 400 branded contract ATMs as part of detailed financial and strategic network analysis. No negative impact on customer.• Increased long term strategic vison and buy-in for needed improvements of owned fleet of ATM’s by creating a powerful visual of unacceptable current state and metric supported upside of potential future state.• Developed strategy and oversaw management of remaining 2,400 deposit image ATM installation in 30 months including progressive new signature brand image. o Channel deposits increased from 1% of total corporate deposits to 13%. o Contra to industry decline, YOY foreign fee income improved to a positive run rate.

Led 20 direct reports, managed a 256-branch network with $8.6 Billion in deposits and 2,200 employees in the four major Texas markets of Houston, Dallas, San Antonio and Austin, providing consumer, small business and investment products and services. Owned overall performance of financial results, sales management, operational integrity, network distribution strategy, relationship with other lines of business, and personnel development.Distribution Strategy & Mergers and Acquisitions• Initiated, selected and managed the opening of 77 new branches and sale of 12 from 2004-2008.• Successfully managed Bank United Acquisition, assimilating a resistant and opposing culture.Sales & Financials• In top three of ten divisions company-wide in per branch net checking production and household growth for five consecutive years.• Restructured senior management coverage ratio in Central Texas’ under performing new branch market with results exceeding all corporate peer groups in 2007; deposits +28%, households +32%, NIAT + 7%.Talent Development• Most diverse direct report senior leadership team in retail division with 75% female and 47% minority mangers. • Developed WaMu Wired: employee career engagement program implemented corporate wide. Ranked in top 30% for retention countrywide with top customer services scores.Operational Integrity• Reduced by 12% YOY ($2.3 MM) controllable depositor losses. • Developed plan adopted company-wide that achieved 99% branch audit pass rate.