Lead partner. Lead and drive engagements in the payment strategy, compliance implementation and go-to-market areas.

Provide strategic consulting in the fintech, product management and SMB space including fractional Chief Product Officer, product and market strategies, and partnership development. Specialty in delivering consumer services on self-service kiosks. Activity includes: - Fractional Chief Product Officer for an expanding kiosk firm - Senior Advisor to payments platform expanding in the US - Advisor in the cryptocurrency space

Provide business valuations and consulting to small and medium size businesses going through transitions by combining the capabilities, processes and peer reviews of a firm with almost two decades in the field along with personal experiences buying and selling businesses as a multi-time entrepreneur, with a VC backed start-up and with PE owned firms.Outputs include certified conclusions of value applicable for estate, divorce, partner buy-in/out, or potential sales/acquisitions. Also provide tracing and valuations of retirement, stock and investment accounts for determination of community/separate splits in divorce.

Lead strategy and business development for Coinstar's Alternative Financial Services business

Key member of Executive Committee. Lead product management, project management office, product business development and marketing teams with responsibility to grow core coin business and test and rollout new products. P&L ownership for adPlanet and Crypto/Cash business lines driving >$0.5B in volume.Grew new product revenue from immaterial in 2019 to 10% of US revenue in 2021 - Grew cryptocurrency offering to be the largest cash-based Bitcoin ATM network and the largest self-service cash-accepting network generally in the world - Piloted and rolled out a Digital-Out-Of-Home advertising network (adPlanet) - Drove rebranding effort which transformed how consumers perceived Coinstar’s capabilitiesDesigned and implemented a fraud mitigation solution that reduced losses by nearly $1M

Owned overall strategy and implementation to test, optimize and rollout digital technology in physical retail environments to drive organic growth and open new revenue opportunities.- Piloted digital screens in gift card racks to show digital promotions and ads that drove sales ~5% higher than those locations without digital screens

Responsible for the P&L. Drove all aspects of the business to grow and maximize bottom line profitability. Oversaw the business during significant industry change and responded by building new capabilities and expanding existing channels that drove nearly 50% of sales in last year. - Built and deployed new product capabilities that account for 15% of sales - Expanded current channels through organic growth that account for 25% of sales - Drove a 40% improvement in overhead costs - Rebuilt AI/machine learning fraud engine to make a greater than 25% improvement in results

Responsible for driving P&L for overall growth and profitability. Led the Product, Data Science and Project Management teams. Created and implemented the strategic product vision to realize the goal of maximizing customer experience and business value. - Drove design and implementation of a kiosk-based gift card acquisition channel driving 50% of revenue - Oversaw redesign of website and mobile app including new UX, services and architecture improving customer engagement, app store ratings and funnel improvement

Technology start-up that provided a multi-channel, multi-tenant, alternative financial services platform. Led Product team to create and manage long term strategy, design solutions and manage client relationships to open new markets and growth opportunities for clients. - Led Agile-based implementation of Nexxo’s next generation platform and its desktop and mobile channels to enable scaling of Nexxo’s services and expand TAM - Built and expanded clients’ AFS business revenue, beating their target transaction volume by 90% - Managed the conversion of Nexxo’s proprietary direct-to-consumer business to MoneyGram in 3 months

Led entire application support and development team with 130 FTE, ~500 contractors and a $65M budget - Achieved 15% reduction in prices as lead for contract negotiations - Drove execution of 7 major IT releases on time, above scope and under budget - Led transition of IT organization during major business strategy shift

Led three major programs and overall internet/web capabilities with $25 million development budget. Drove strategy, execution, contracts, staffing and buy-in across the organization. Led strategy, architecture and roadmap for Commercial Insurance Business - Drove new web transaction capabilities for policy transactions. Implemented regular releases using Agile to steadily build capabilities with frequent feedback/adjustment. Managed organization change and process improvements using OPEX (Black Belt) tools - Led strategy/execution for developing a straight-through-processing engine for the Small Business market - Reduced trouble tickets by > 20% on managed applications, implemented 99% of projects on time/budget - Implemented major phases of two large strategic projects (Underwriting and Imaging systems) - Program Manager in IT on development of multi-year, $150MM technology investment program - Negotiated two new IT and BPO outsourcing contracts worth over $100 million - Negotiated two IT Outsourcing and Application Development contracts reducing prices by 10% and 15% - Led strategy and implementation of IT cost reduction project and implemented a refined IT organization

Created and implemented strategic, financial, human resource, IT and operational goals and detailed plans. Upgraded human capital across the organization and implemented review processes and planning. Created project tracking processes to improve cycle time and client satisfaction. Updated all marketing collateral, advertising and websites and initiated marketing to new channels - Delivered double digit efficiencies in labor and sub-contract work and reduced purchased costs by >15% - Ramped up production to increase sales by 60% within six months and by 90% within one year

VP, Business Relationship Manager & System Quality Assurance - Guided customer service technology solutions - Doubled SQA productivityVP, Process & Capabilities - Managed capabilities project management teams - Developed a multi-year technology plan that halved the number of systemsVP of Business Development/Operations, Small Business Card - Researched and developed business strategy for start-up of a new business - Developed new acquisition system and web site, configured licensed servicing system, hired 30+ employees and created processes and procedures to launch in less than four monthsDirector/Vice President of Operations, Membership Products - Built and managed operations team to support Membership Products business - Managed outsourced sales, system support, vendor management, service center and project management teams - Increased operational capacity to double sales in less than 12 months - Reduced outsourced costs by over 15%