Matthew Browning

Matthew Browning Email and Phone Number

Board Member | CEO/President | FinTech, Payments & Banking | Build For Impact & Scale @ Speed @ Trust Science
Matthew Browning's Location
Salt Lake City, Utah, United States, United States
Matthew Browning's Contact Details

Matthew Browning personal email

n/a
About Matthew Browning

I build teams and organizations for Impact. I Scale @ Speed. I’m steeped in FinTech, Payments and Banking. I love solving wicked challenges, and disrupting the status quo to deliver breakthrough results. I've been around and seen a good bit, and I continue to learn. I’ve lived in enterprise scale, scrapped in seed stage, and scaled in hyper growth beyond Unicorn. I’ve been in a range of industries in companies of varying sizes, and tackled all manner of challenges.I’m intently attuned to the customer, anticipating needs and exceeding expectations. I’m devoutly focused on the team. I'm a culture builder; recruiting, leading, and empowering teams with deliberate care. I’m engaged from the shop floor to the board room.I communicate vision and translate into disciplined execution. I appreciate the operational complexities and varied requirements for execution. I’m grounded, humble, with a sense of humor.Notable achievements include:• Led rapid scaling of Snap! Finance from early-stage to >1,000 people in 6 countries, achieving 10-figure revenue, 9-figure EBITDA, and 100X growth in equity value. Completed minority sale to top PE firm.• Developed and launched 3 new products, providing multiple growth avenues and >$300M+ incremental annual originations while better meeting customer needs.• Managed launch & distribution of Target-branded Visa and Amex Gift Cards and re-loadable pre-paid cards through 1,700 Target stores, with annual issuance to exceed $1 Billion.• Achieved strong earnings growth and bank profitability (ROE >50%) and regular dividends by shifting strategy from commercial to consumer product portfolio and retail distribution.• Governed sale of Altabank (NASDAQ: ALTA) to Glacier Bank (NASDAQ: GBCI) for ~$930M (2.9x TBV), including chairing special committee to work with activist shareholder group.• Managed merger integration of multi-site operations for two simultaneous acquisitions by Fortune 500 healthcare provider; designed new operating model achieving annual savings of >$150M.• Had fun building and leading amazing teams, developing innovative products, and delighting millions of customers.Let’s build it! With a great team, we can make great, and big, things happen!Expertise includes:• Scaling at speed • Entrepreneurial mindset • Building high performing teams • Customer focus• Strategy and planning • Revenue obsessed • Analytics & data-driven insights • Driving execution & results• Communication & influence • Gov’t relations & lobbying • Trade association leadership • Board governance

Matthew Browning's Current Company Details
Trust Science

Trust Science

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Board Member | CEO/President | FinTech, Payments & Banking | Build For Impact & Scale @ Speed
Matthew Browning Work Experience Details
  • Trust Science
    President
    Trust Science Feb 2024 - Present
    Edmonton, Alberta, Ca
    Trust Science uses modern and novel data with ML Ops + Explainable AI to overcome the legacy approaches that exclude 60+ million credit invisible people from the modern North American economy. We help ethical lenders from Lead-to-Loan™, “Find the Invisible Primes™” and help deserving people get what they deserve.And with >70 patents in 14 countries (and growing), this is a true platform built for global scale and capability. Trust Science is leading the charge in #FinancialInclusion and innovation.
  • Altabank
    Board Member
    Altabank Feb 2016 - Jan 2023
    American Fork , Utah , Us
    Board Member of Altabancorp (NASDAQ: ALTA); Committee service includes Audit/Compliance, Enterprise Risk, FinTech (Chair) and Special Committee (Chair) dealing with activist shareholder group. Governed evaluation of strategic options and sale to Glacier Bank (NASDAQ: GBCI) at 2.9X TBV (~$930M).
  • Stealth Fintech Startup
    Ceo & Doer Of Necessary Stuff
    Stealth Fintech Startup 2022 - 2023
    New York, Us
    Building @ nexus of Banking + FinTech
  • Fundid
    Advisory Board Member
    Fundid Apr 2021 - Sep 2022
  • Snap Finance
    Chief Operating Officer
    Snap Finance 2014 - 2021
    Salt Lake City, Ut, Us
    Snap! Finance is a digital finance company providing retailers with a secondary finance option to reach the 40% of consumers who do not qualify for traditional credit or financing. Snap provides consumers flexible options to access certain categories of merchandise and services through term financing with flexible arrangements.As COO, I led, built and delivered a range of capabilities, products, and results for this high growth fintech company. At various times this included data science, credit risk & portfolio management, product development, collections, customer service, merchant services, technology infrastructure and software development (on & off shore), legal, compliance, HR, resource planning, and other functions.Achieved: • 100X growth in equity value, 10-figure revenue, 9-figure EBITDA • Acquired and serviced >4M customers and scaled operations in 6 countries • Successfully completed minority sale to a top private equity firm.I'm incredibly fortunate to have worked with this tremendous team and we established a great culture - fast, flexible, and friendly, highly energetic and collaborative, service minded, and constantly driven to Get Stuff Done.
  • Sterne Agee Bank & Trust
    Ceo & President
    Sterne Agee Bank & Trust 2013 - 2014
    Led de novo bank charter application, including business, operational and risk management plans, recruited executive management and independent board, led all regulatory engagement and governmental affairs. Halted filing in April, 2014. Testified before House Committee on Oversight & Government Reform (July, 2016) about the bank charter application experience.
  • Target Bank
    President
    Target Bank 2007 - 2012
    Minneapolis, Mn, Us
    Led Target Corporation's industrial bank (ILC) including credit and portfolio risk, finance (ALM/interest rate risk, capital, liquidity, investments), regulatory compliance, collections, guest service, etc.; actively directed and engaged in state and federal legislative/lobbying efforts; held trade association leadership positions.Led Target Corp's financial product development team, assessing Guest needs and trends, and driving strategy and new development efforts on mobile payments, loyalty, Gift Cards & Prepaid, etc.• Designed & built reloadable prepaid program, with issuance to exceed $1B annually • Achieved bank profitability and strong earnings growth through strategy shift from commercial to consumer products; ROE >50% and paying regular dividends• Advised on policy and actively lobbied U.S. Senators, Congressman, member staff, and regulators on issues and rule-making• Passed Utah legislation permitting capture of unredeemed gift cards, improving annual income by $6M+/yr
  • Target Bank
    Senior Strategy Manager
    Target Bank 2006 - 2007
    Minneapolis, Mn, Us
    Corporate strategy work including growth (stores, sales, strategic planning), organizational design, and operational improvement.
  • Culligan International (Private Equity Turnaround)
    Manager, Strategy & Business Development
    Culligan International (Private Equity Turnaround) 2005 - 2006
    Developed comprehensive corporate strategy, including growth and operational initiatives for corporate turnaround of $700M global business; improved EBITDA exceeded investment case by 2 years; Culligan was a portfolio company of a major private equity firm
  • A.T. Kearney
    Manager
    A.T. Kearney 2002 - 2005
    Chicago, Illinois, Us
    Focused on corporate and business unit strategy, including market entry, product development, and M&A; worked across industries, including financial services, technology, healthcare, utilities, and transportation• Received Great Client Work award; global award to one team for greatest client impact
  • A.G. Edwards
    Vice President, Investment Banking
    A.G. Edwards 1995 - 2000
    Us
    Sourced, structured, and executed financing transactions for public and private entities.

Matthew Browning Skills

Strategy Business Development Management Consulting Leadership Analysis Banking Entrepreneurship Business Strategy Team Leadership Product Development Strategic Planning Business Process Improvement Consulting Executive Management Mentoring Payments Mobile Payments Regulatory Affairs Lobbying Trade Associations

Matthew Browning Education Details

  • The University Of Chicago Booth School Of Business
    The University Of Chicago Booth School Of Business
    Entrepreneurship
  • University Of Southern California
    University Of Southern California
    Finance
  • Aba Stonier Graduate School Of Banking - University Of Pennsylvania
    Aba Stonier Graduate School Of Banking - University Of Pennsylvania
    Banking

Frequently Asked Questions about Matthew Browning

What company does Matthew Browning work for?

Matthew Browning works for Trust Science

What is Matthew Browning's role at the current company?

Matthew Browning's current role is Board Member | CEO/President | FinTech, Payments & Banking | Build For Impact & Scale @ Speed.

What is Matthew Browning's email address?

Matthew Browning's email address is mb****@****nce.com

What is Matthew Browning's direct phone number?

Matthew Browning's direct phone number is +180133*****

What schools did Matthew Browning attend?

Matthew Browning attended The University Of Chicago Booth School Of Business, University Of Southern California, Aba Stonier Graduate School Of Banking - University Of Pennsylvania.

What skills is Matthew Browning known for?

Matthew Browning has skills like Strategy, Business Development, Management Consulting, Leadership, Analysis, Banking, Entrepreneurship, Business Strategy, Team Leadership, Product Development, Strategic Planning, Business Process Improvement.

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