Driving all Revenue, Product, Operations, and Strategy for one of the most innovative tech stacks in the payments space.

Helping startups and established brands commercialize, fundraise, build teams, improve processes, and find a voice in the market.Clients Include:➤ Chief Growth and Strategy Officer - Fractional - Bead➤ Chief Revenue Officer - Fractional - Tilled

Phil is an active servant leader, husband, father, executive, mentor, thought leader, and sought-after industry speaker, focusing on the constantly shifting tides of product innovation in the payments, embedded banking, and SaaS industries. He has over twenty-five years of leading and building booming revenue and product teams and organizations in the payments, SaaS, banking, and start-up community.Phil, a two-time founder, and Black Belt Lean Six Sigma, has been a top executive in product marketing and revenue for companies like Pathward, Xplor Technologies, Clearent, and more, and is currently the President of RCM², where he serves clients as a fractional executive, board member, and consultant. A seasoned marketer, he created the Clearent Connects podcast, has appeared on numerous programs and publications, such as The Green Sheets, Fintech Cowboys, American Banker, and Digital Transactions, among others, and has spoken as a keynote and panelist across the country.Speaking TopicsBuilding a Powerful Revenue-Focused Organization in Banking (SaaS/Payments et al.)Embedded Banking – Cash is the Product, Data is the Real Currency: Building the Next Generation of Business Banking to Enable Consumer TechnologyIf There is a Rule, There is an Automation: Building New Reg Tech in an Old Banking Core Worldhttps://category6consulting.com/speaker/phil-ricci/

- Head, Pathward’s BaaS sales channel revenue, partner engagement, product strategy and marketing, as well as solutions engineering teams. - Starting as the Vice President of Product and Strategy - Promoted to SVP, Payment Solutions Leading Merchant Acquiring sponsorship, Global Money Movement solutions, PayFac and ATM sponsorship.

➤ Starting as VP of Sales Enablement & Operations, and taking on an additional role as VP of Commercialization in '18.➤ Advancing to VP of Marketing & Sales Enablement in'20, and then promoting to Product Marketing & Strategy in '21.➤ Building Empower, a product line that has been a massive win, growing to gross $90M+ per year since its launch in '19.➤ Leading new product lines beyond forecasted expectations, growing volume 257%, and creating millions in net profit.➤ Driving consistent improvements in gross revenue by establishing product priorities, with EBITDA growth of 30-50%.➤ Leading key projects and major workstreams, while ultimately driving recommendations to the Executive team.➤ Owning brand messaging, public relations, outbound awareness, lead generation campaigns, and building partnerships.➤ Rebranding and introducing Clearent to the market during COVID-19, increasing leads and deal closures by 300%.➤ Strategically building sales enablement and support, go-to-market, and sales operations from scratch for all channels.➤ Defining a long-term view of emerging technologies and the ecosystem, and the company's role within these.➤ Partnering with Product Technology to frame cross-product strategy questions and drive initiatives flowing from that.➤ Aligning with Functional and Regional management teams as a strategic partner and resource on Product strategy.➤ Identifying, prioritizing, structure, managing complex issues that drive priorities and demonstrate bottom-line results.➤ Managing Project teams to structure and solve problems, while collaborating with a range of internal stakeholders.➤ Building, designing, and growing the incentive and engagement program, Voyager, the most effective cultural program.➤ Designing, implementing, managing sales forecasting, planning, and budgeting processes for all distribution channels.

Career highlights in Payments and SaaS in a variety of contractual roles.➤ VP, Client Portfolio Manager - Ricoh ➤ Sales & Product Partnerships - Heartland ➤ Midwest Regional Sales, Marketing & Retention Manager – Paychex, Inc. ➤ VP, Integrated Partnerships - KeyBank ➤ VP, Sales & Product Management - Bank of America ➤ Store Manager/Coach/NE Process Improvement Manager – Sears Holdings Corporation, Batavia, NY ➤ Program Manager– U.S. Army, Child & Youth Services, Germany & Other European Locations ➤ Military Intelligence – U.S. Army –