Michael Owen Email & Phone Number

New York, Ny, Us

• Articulating Strategic Vision Across Wealth & Investments Businesses – Describing future state client, advisor, product, operations and roadmap to achieve using, fintech, business & technology for brokerage, managed accounts businesses. • Championing Mission-critical Business and Technology Programs – Overseeing complex cross-functional programs to ensure product, operations, regulatory and business growth goals are achieved. Collaborating with product, operations, technology, legal, risk, compliance, advice and marketing to ensure new capabilities and business benefits are achieved. • Ensuring Oversight Committee Excellence – Secretary for the Advice & Planning Services Oversight and Execution Committees. Managing committee agenda and special programs related to overseeing $200B in assets across the Managed, Private Asset and Brokerage businesses. • Culture Head for Employee Engagement – Headed eight member Employee Culture & Engagement Committee for 150-person Individual Solutions organization. Fostered a thriving culture by reviewing employee culture survey results and developing programs to improve the employee experience and career opportunities. Provided internal media, communications and representing improvements in Town Halls and leadership meetings.• Business Risk Mitigation Partner – Collaborating with product, legal and compliance to identify and address legal, regulatory and operating risks through policy, process or technology updates.• Strategic Capital and Vendor Budget Management – Ensuring capital for strategic & operating programs are prioritized and funds are used according to plan. Ensuring vendor relationships, contracts and invoices are managed and service levels are delivered in accordance with contract and performance expectations.

New York, Ny, Us

• Delivered 6X Asset Growth – After transforming the Brokerage platform and operation, finalized transformation and establish the next 3-year product strategy. Between 2011 – 2021, transformation efforts propelled the business to achieve 6x growth in assets and repositioned from a disjointed client experience that was unranked in the industry to a cohesive offering. Grew assets from $4B to $24B and received an industry capability ranking of #6.• M&A Wealth & Investments Execution Executive for $27B EverBank Merger – Accountable for completing all Wealth, Brokerage, World Markets Currency & Metals assessments, future state business model development, future state organization design and Customer Day 1 & 2 plus asset, platform and technology conversions. Completed with exemplary results with the support of eight direct partners and 70+ cross-functional execution team member, peer executives and senior executive business line owners. Successfully ran programs that converted assets and eliminated expenses while delivering positive cultural results.• Built Fintech Assessment Ecosystem to Identify Partnership Opportunities – Identified nation-wide savings, investment and education gaps as barriers to building wealth. Built a fintech evaluation framework that identified firms and capabilities for potential acquisition or partnership to help solve gaps. Narrowed fintechs and launched a pilot to field test products. Oversaw user feedback compilation that included in-depth pilot team interviews and user interaction video captures to determine usability and viability.• Co-led Institutional Brokerage Conversion for Two Important Institutions – Co-led the TIAA’s Institutional Retirement Sole Record Keeping plan conversions for two of TIAA’s most important and high-profile institutional clients. Managed Brokerage Window institutional and client communications plus asset conversion with high institutional satisfaction.

New York, Ny, Us

• Headed Ambitious Transformation, Delivered 3X Growth - Appointed to transform the Brokerage business after writing 10-year enterprise strategy. Responsible for establishing the Business Transformation organization and six-member organization plus relaying the strategy and priorities. Assembled cross-functional partners and championed complex technology, platform, data platform build-out that turned TIAA’s fragmented Brokerage experience into a cohesive platform and industry offering. Consolidated the client, advisor & operational experience through new web, transactional and operational workflow and reporting that broke down business silos. Completed initial transformation scope with 40+ technology team professionals. As a result, assets grew by 3x from $4b - $12B and moved from unranked brokerage industry rating to #7.• Fintech Evaluation and Selection with Multi-year Deal Negotiation – Collaborated with consulting partners on industry research, assessment & selection of brokerage fintech partner. Personally negotiated a multi-year deal including, fintech delivery, data and support contracts for buildout of new client, advisor and ops web. • Built Continuous Improvement and Cost Savings Culture – Championed Six Sigma culture deployment in the Brokerage Operation. Sponsored employee selection, green belt training and related cost improvement projects to grow team skills, establish culture and improve efficiency and savings. Saved $500k in inaugural year. • Oversaw Institutional Brokerage Window Conversion team – Managed team that educated institutions on brokerage account conversion activities and converted accounts and assets and for high-profile institutions.

New York, Ny, Us

• Integral Member of the CEO ’s Corporate Strategy Definition - Collaborated with four senior executives and was individually accountable for defining the 10-year $1T AUM strategy. Focused on retail product & operations strategy to increase retail scale, business integration, digital transformation, platform consolidation and improved client experience. Completed highly confidential program, received Board approval to proceed.• Thought Leader for Brokerage Self-Clearing Model – Co-led initiative to explore moving to an outsourced self-clearing brokerage operating model to increase profitability & reduce expenses. Assessed vendors, built vision, financial models & go-to-market plan. Received CEO approval to proceed.• Co-led $64B Breakout Growth Imperative - Partnered with all Product executives to review all 80 products and deploy resources to drive organic growth. Implemented a world-class product growth discipline and execution plan that included defining the total and obtainable market and completing competitive assessments to gain market share. Developed roadmaps and tactics to achieve and met $64B TIAA corporate breakout growth goal. • Solved Major Capacity Constraints, Scaling Brokerage Onboarding by 3X - Led team to build the first Brokerage online client and advisor enrollment system plus new operational workflow. Provided technology and operations thought leadership and oversaw buildout. • Mitigated Corporate “Run on the Bank” Risk in Advance of 2008 Economic Collapse – Partnered with the CFO & leadership to build the General Account and Real Estate Account liquidity guarantee “run on the bank” prevention action plan. Defined all product, operations, systems and team roles. Successfully deployed during the 2008 economic collapse.• Mutual Fund Architect - In Asset Management (Nuveen), owned cross-organizational business process definition, process improvement opportunities & seed and public funding for two new closed end mutual fund launches.

University Of Richmond, Va, Us

Washington, D.C., Us

Cambridge, Ma, Us

• Responsible for managing all aspects of the largest multi-year consulting engagements, including client management, program delivery, solution design, budget, team, PMO methodologies and routines for Fortune 100 companies in the U.S. & Latin America. Completed with a team of 32 consultants in highest profile assigned accounts at Citibank Latin America, Citibank U.S., JP Morgan Chase, American Express & AIG. Supported sales activities by providing business solution overviews, technical designs, delivery approach & cost assessments and best-in-class client support insights.• Selected to turn around high-profile clients and engagements at Citibank, American Express and AIG with a team of business, consulting and technology professionals. Triaged committed versus built capabilities, assessed solution states and communicated go-forward plans, timelines and support required to deliver fully functioning capabilities with team, client and executive stakeholders. . • Managed programs focusing on retail banking, call center, international funds transfer, insurance sales, operational servicing and check deposit processing solutions using leading edge web & workflow process automation technologies. Frequently facilitated vision & solution discussions, requirements gathering, design session, project management, testing, communication & deployment of new capabilities for numerous clients and engagements. • Supported sales executives in the identification, definition, assessment, sizing, estimating of sales opportunities • Member of team that developed the Agile program implementation methodology that moved the Professional Services enterprise from a Waterfall-based methodology to an iterative methodology and piloted PMO tools.

• Led Definiton, Design, Development and Testing with team of business analysts for Regional and National Banking and Credit Card customers. • Developer responsible for Banking and Investment Risk data warehouse development, data mart and ETL applications for large corporate and retail banks.

Mba, Mccoll School Of Business, Strategy, Operations, Leadership And General Management

Customer Experience Executive Program

Broyhill School Of Management - Management Information Systems

Bs, Industrial Management