Ray Chandonnet Email and Phone Number
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- I am a well-known banking and Fintech industry participant with significant experience in both bank financial strategy development and banking technology / innovation / Fintech partnerships. - I have very strong demonstrated business-building skills within the banking / Fintech space - having helped launch a number of businesses in those sectors both within investment banking firms and as standalone startup companies. This includes unparalleled ability to sell complex and/or "early adoption" financial and technology products and services in the C-suite and board room of banks.- I have worked at and with financial institutions for over 30 years on strategy focused on interest rate risk, fixed income, derivatives, funding, capital and earnings, as well as fostering collaboration with FinTech companies. I have a very deep understanding of bank financial statements. My product knowledge spans the breadth of instruments found both on- and off-balance sheet at financial institutions as well as the technology banks deploy. - I have very strong, demonstrated ability to integrate accounting, regulatory and tax expertise into my practice. I am a known innovator in the financial institution space, having pioneered a number of strategies and approaches to managing balance sheets that have since been emulated across the industry as well as driven early adoption of a number of technologies. My reputation for introducing these concepts to community and regional banks in a comprehensible and non-threatening manner is unparalleled. - I have developed relationships of varying degrees with hundreds of financial institutions at the CEO, CFO, COO and Treasurer level, and am known by many more due to my highly visible roles in the industry over 30 years. I also maintain outstanding relationships as well as with regulatory agencies, accounting firms, research analysts, consultancies, investment banks, and institutional brokerage firms. • I have been a frequent publisher, and much sought-after speaker and educator touching on a range of financial institution balance sheet management and technology / innovation issues.
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Founder / Managing PrincipalBankstrategies.Net Mar 2014 - PresentI founded BankStrategies.net to provide technology- and finance-focused consulting, business development and other services to Fintechs, banks and credit unions in order to drive innovation in the community and regional bank / credit union space.BankStrategies.net also provide balance sheet and capital markets consulting services to banks, FHLB's, and broker-dealers and investment banks seeking to work within the banking ecoystem.
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Board MemberKearny Bank Oct 2015 - PresentFairfield, Nj, UsMember of the Board of Directors of Kearny Bank and Kearny Financial Corp, a $7.5B asset publicly-traded banking company. Chair the Asset Liability Committee, serve on ERM Committee and other ad hoc committees as needed, and bring bank technology expertise into the board room
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Board Of AdvisorsMerrimack College Apr 2024 - PresentNorth Andover, Ma, UsI serve on the Board of Advisors for the School of Engineering and Computational Sciences (ECS). In this role, I serve as an advocate for the programs and opportunities the ECS offers, I assist the Dean with alumni and other community outreach, and serve as an external advisor to the ECS program on curriculum, student recruiting and job placement. -
Chief Financial OfficerMotorenvy Mar 2023 - Mar 2024Clifton, Nj, UsMy role as Chief Financial Officer had numerous aspects: (1) Overseeing the financial management of the company, including financial controls, financial reporting, budgeting/forecasting, treasury management and capital markets (both debt and equity), (2) establishing and overseeing the company's data science function, and (3) collaborating with the the Chief Operating Officer to drive operating efficiencies and increase operating leverage. -
Finance / Capital Markets (Fractional)Motorenvy Oct 2022 - Mar 2023Clifton, Nj, UsPart Fintech, part finance company, and part auto dealer, MotorEnvy is the only company offering short-term subscriptions to pre-owned luxury cars, with a process that is tech-enabled from front to back. I am responsible for capital markets and other finance functions for the company, and I get to drool over their cool cars! We are actively seeking to expand our network of debt / loan capital providers - so if you're a bank or other investing wanting a partnership with a profitable and innovative young company, hit me up!
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Chief Revenue OfficerRevio Jun 2020 - Jul 2021Austin, Texas, UsAs Chief Revenue Officer, I was responsible for driving the company’s go-to-market strategy in the banking industry, where I developed sales messaging that produced contracts, oversaw our sales effort and directly served as "closer" for early deals. I was also responsible for aligning all revenue-related functions for the company, including business development, sales, pricing, product implementation and customer success. I also provided assistance to the company on corporate development initiatives including capital raising, acquisitions and strategic partnerships. On my watch the company signed its first wave of customers, establishing the base for future scale-up. I helped set up a scalable sales and delivery model and then left the company in a position to transition to scale-up mode. -
Strategic Advisory BoardRevio Jan 2020 - Jun 2020Austin, Texas, UsMember of the Strategic Advisory Board, I provided expertise on bank business development, regulation, and networking as well as on capital raising within the bank space.
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Managing DirectorHovde Group Mar 2019 - Mar 2020Inverness, Il, UsJoined Hovde Group, a boutique investment bank headquartered in Chicago that services the financial services sector, to attempt to build twin practices focused on bank balance sheet strategy and Fintech. With the balance sheet strategy component impractical given the rate and competitive environment, I left the firm in order to pursue Fintech opportunities that don't require and aren't hindered by affiliation with an investment bank and its regulatory framework. -
Founding PrincipalSecond Act Capital Partners, Llc May 2015 - Dec 2017Second Act Capital Partners was an advisory firm I founded that focused on helping small to mid-sized banks partner with FinTech companies. I was able to build a pipeline of over 100 small to mid-sized banks for my most promising Fintech client. I remain passionate about the potential for community banks to leverage FinTech in order to level the playing field vs larger competitors. However, regulatory hurdles (real or perceived) and low community bank risk appetite for new ventures / partnering with startups led to such a long sales cycle that this was not a viable standalone business for me. The reality is it was a great idea but far too early to succeeed (today banks routinely partner with Fintechs). Excellent learning opportunity in my first entrepreneurial venture.
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Apprentice CookHarvest Restaurant Group Apr 2014 - Oct 2014Took a "time-out" from a 25+ year banking career to scratch an itch I've had since age 8!! Always secretly wanted to be a chef, and so I chose to take a "gap year" in my career to recharge the batteries while learning to cook professionally as an apprentice cook at the Huntley Taverne, a farm-to-table restaurant in Summit, NJ. While an unexpected foot surgery cut that apprenticeship short, It was an invaluable experience I will always cherish, and it also provided a much needed cleansing breath during which I was able to re-evaluate what value I could bring to banks - this ultimately led to my pivot back to bank technology. -
Partner / Chief Balance Sheet StrategistSandler O'Neill + Partners, L.P. Jun 2007 - Apr 2014New York, Ny, UsPartner and Chief Balance Sheet Strategist with Sandler O'Neill & Partners, a boutique investment bank which does M&A, capital raising, fixed income, balance sheet management and other advisory work with U.S. financial institutions. Worked extensively with the firm's clients on balance sheet strategy, including interest rate risk mangement, funding management, investment portfolio strategy, hedging using derivatives, capital planning, budgeting, and stress testing. Founded and ran the firm's Interest Rate Products group which focused on delivering derivatives and funding product advice to financial institutions. Revamped, expanded and oversaw the firm's Balance Sheet Analysis and Strategy group. Designed and implemented the firm's Balance Sheet and Capital Optimization model, used to advise banks on optimal balance sheet structure in multiple phases of their existence, including during recapitalization, while incorporating significant M&A transactions, to maximize value for private equity investors, and to return to profitability following the financial crisis. Played a lead role in crafting the firm's response to proposed Basel III regulations, and incorporating the new regulations into the firm's balance sheet advisory business. -
Managing Director / Head Of Bank StrategyJ.P. Morgan May 2005 - Apr 2007New York, Ny, UsOversaw the firm's Bank Strategy team which worked extensively with the firm's bank clients on interest rate risk, hedging, bond portfolio, loan hedging, and other balance sheet management strategy. -
Svp / Bank Specialist GroupLehman Brothers Jan 2001 - Apr 2005UsCo-Head of Bank Specialist Group - Helped found and run team of professionals that delivered balance sheet strategy expertise to middle-market US banks and established trading relationships in bonds, loans, derivatives, and liability products to those banks. -
Director / Bank Strategies GroupFirst Union Securities Apr 1997 - Dec 2000UsHead of Bank Strategies Group which worked with bank clients on bond portfolio and balance sheet strategy -
Financial StrategistFederal Home Loan Bank Of Boston Dec 1992 - Apr 1997Boston, Ma, UsDid Bank Strategy modeling for member banks and sold advances to banks -
Financial Analyst / Software DesignerMalden Trust Company Oct 1986 - Mar 1992Began as software designer - coded and implemented more than a dozen enterprise-wide technology solutions to routine banking problems; Transitioned to a financial analyst role and assisted the CFO in a broad range of finance- and treasury-related initiatives.
Ray Chandonnet Skills
Ray Chandonnet Education Details
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Merrimack CollegeData Science -
Bentley University - Mccallum Graduate School Of BusinessFinance
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Merrimack CollegeComputer Science
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Bishop Guertin HsHigh School/Secondary Diplomas And Certificates
Frequently Asked Questions about Ray Chandonnet
What company does Ray Chandonnet work for?
Ray Chandonnet works for Kearny Bank
What is Ray Chandonnet's role at the current company?
Ray Chandonnet's current role is Technology-focused banking and finance professional.
What is Ray Chandonnet's email address?
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What is Ray Chandonnet's direct phone number?
Ray Chandonnet's direct phone number is +190851*****
What schools did Ray Chandonnet attend?
Ray Chandonnet attended Merrimack College, Bentley University - Mccallum Graduate School Of Business, Merrimack College, Bishop Guertin Hs.
What are some of Ray Chandonnet's interests?
Ray Chandonnet has interest in Human Rights, Children, Education, Health.
What skills is Ray Chandonnet known for?
Ray Chandonnet has skills like Capital Markets, Portfolio Management, Fixed Income, Banking, Risk Management, Investment Banking, Investments, Finance, Interest Rate Risk Management, Interest Rate Derivatives, Financial Markets, Financial Modeling.
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