Michelle Latham Email & Phone Number

Memphis Metropolitan Area

Building and fostering a peer-friendly in-house ATM/POS Independent Sales Office (ISO) sponsorship program Creating and contributing a steadfast curriculum to develop strong ISO knowledge and relationshipsDeveloping and oversee risk assessments and compliance audits on ISOs with strong focus on addressing, managing and mitigating fraud and riskManage Risk Assessment program with strict adherence to regulatory compliance policies of the Office of Currency Control (OCC)

San Antonio, Texas Area

• Lead, train and motivate bank staff to ensure top-notch ongoing customer support is provided consistently.• Development of Treasury management services to include online banking, remote deposit, mobile deposit, account analysis, ACH services and merchant services.• Champion new retail product implementation.• Consult and coach internal staff on products, sales and service of Lone Star Capital Bank.

Fort Worth, Texas

• Solidified client partnerships by performing hands on needs assessment, brainstorming payment processing alternatives, implementing creative marketing programs, negotiating attractive pricing schedules, and quickly resolving processing and service level issues.• Commandeered internal resolution to provide merchant concessions on one of the largest online gun chains merchant programs, ensuring credit and underwriting approval of monthly volumes in excess of $30M.• Optimized customer satisfaction ratings by ensuring deliver of quality products and outstanding service while leveraging interdepartmental relationships. • Lead, train and motivate internal teams and clients on new and emerging products.• Recognized account growth opportunities, assisted with modification of business models then actualized the value proposition to include new procedures and products.

Irving, Tx

• Launched mobile commerce business channel from initiation to implementation effectively competing with industry space while leveraging key strategic partnerships and enhancing revenue profitability.• Designed, implemented and led merchant processing program to achieve 35% sales & revenue growth consecutively over a four year period.• Cut operational costs by more than $100K by standardizing and implementing new business plans, product requirements, as well as new program policies and procedures.• Key liaison to the IT Technology and Business Development Steering Committee to define market opportunities and enhance existing product offerings while ensuring quality solutions and integrations.• Championed product development, design and pricing through scoping and assessing product trends and needs, leading to the creation of proprietary mobile commerce solution. • Sales and marketing ambassador. Authored and designed three separate company websites, leveraged SEO resource to improve the customer experience while decreasing corporate cost to achieve a 75% account growth within 4 years.• Presented product strategy recommendations directly to CEO for evaluation and discussion.• Effectively coordinated with key internal partners ensuring compliance and regulatory requirements.

• Built and fostered in-house ATM independent sales office sponsorship program increased client base 65% during first 2 years.• Transformed independent sales office program while increasing volume & revenue 77% in first year – resulting in promotion to AVP.• Directed risk assessment audit plan to address yearly independent sales offices compliance reviews in managing mitigation of fraud and risk.• Steered four federal banking encryption mandates and card network deadlines to completion, ensuring compliance with stringent federal requirements & guidelines under condensed timeline.• Managed Risk Assessment Program with strict adherence to regulatory compliance policies of Office of Currency Control (OCC) for more than 30,000 ATM and 26 independent sales offices.• Authored and conducted formal training to ATM Industry Association (ATMIA) conference attendees.

• Produced and coded extensive legal documents, composed appellate briefs, findings of fact, discovery motions and pleadings for over 40 successful litigation cases exceeding $5M.• Reduced outside counsel fees by 15% while collaborating with multi-state securities and regulatory groups to overhaul and transform existing filings program.• Established non-existent Court Representative Mentor Program in California.• Trained employees to gather facts and discovery while representation organizations small claims complaints.• Prepared and filed merger agreements and amendments to Articles of Incorporation with the Secretary of State during SBC Communications and AT&T acquisition and merger.

• Simultaneously managed seven multi state Chapter 11 bankruptcy cases while composing pleadings, applications, stipulations, motions, consent orders witness and exhibit lists.• Developed non-existent court mandated creditors fee application in excess of $100K quarterly in attorney fees while adapting client invoicing and trimming costs for 5% overall.• Authored and managed voluminous organizational index of over 500 document exhibits in support of Nevada adversary proceeding ultimately winning $9M lawsuit.