Richard St. Jacques Email & Phone Number

Boston, Ma, Us

Career Experience: Results-driven, Digital Product Executive with expertise championing and leading multimillion dollar Data, New Product, Payments, and E-Commerce initiatives centered on revenue growth, innovation, process enhancement, and new business development. With a passion for new technologies and the building of high-performance operations teams, has led and developed cross-functional solutions with emphasis on efficient business and economic value. Through the integration of advanced metrics and business intelligence, has developed data-driven, results oriented, systems that support and enhance all facets of executive and strategic decision making. Through continuous refinement of operating processes and methods, has earned increased profit year over year from each business activity.

Cambridge, Ma, Us

Responsible for leading the development and execution of a comprehensive plan aimed at addressing foundational organizational challenges, streamlining the bank's structure, and optimizing workflows to enhance overall operational efficiency and scalability. Spearheading the selection and implementation of cutting-edge RPA (Robotic Process Automation) solutions, designed to drive efficiency and scalability, ultimately delivering cost savings and increased capacity for the organization. Conducting a thorough assessment of the current organizational structure, identifying areas for improvement, and streamlining roles, workflows, and processes across the commercial deposit account opening department. Continuously monitoring progress, establishing key performance data metrics, and proactively making necessary adjustments to ensure higher productivity and improved efficiency throughout the year. Additionally, responsible for fostering a respectful work environment, engaging in opportunities to learn and apply DE&I concepts, and furthering a culture of inclusion by using the tools of listening, compassion, and understanding to cultivate a positive company experience.

Company Executive and Co-Founder of Liberado, Inc (start-up), responsible for architecture, operational functionality, and data infrastructure of the Liberado Cryptocurrency Platform. • Architected the Platform, to include User Interface / Data Design, operational platform data flows, API modeling, and overall logic and governance of the platform.• Designed a data infrastructure which aligned platform, custody vault, third-party AML/KYC, KYT transaction flows and third-party market pricing oracles.• Conceptualized and engineered all platform billing interfaces, customer service interfaces, and internal platform intelligence reporting.• Oversaw the use of data and its utilization to monitor the enterprise, support the tactical and strategic needs of the organization, drive digital transformations, optimize efficiency, and develop key customer and operational insights through the application of business intelligence and reporting.

Boston, Ma, Us

Directed and championed Business Intelligence and Analytics in support of all Commercial Cash Management products and served as key subject matter expert in all systems conversions, problem resolution (client and bank), and billing platform initiatives.• Engineered and implemented a data platform in support of Commercial Online Banking Cash Management, the Commercial Account Analysis billing, CARE Issue Tracking, Lockbox, Commercial Card, ACH and Wire.• Defined and initiated over $2.5MM in fee revenue opportunities through analytics and mining of key bank data.• Implemented an analytical framework and distributed visualization tools resulting in accelerated and improved strategic and tactical executive decision making. Sanitized and positioned the data platform to allow for predictive analytics tools such as Python and R.• Identified and prioritized manual processes, implementing improvements utilizing digital transformation.

Harvard, Massachusetts, Us

Successfully orchestrated the data conversion of Santander’s $10+ million-dollar Commercial Banking Cash Management platform, converting over 6500 commercial and large business banking clients to the ACI Universal Online Banking system.• Spearheaded the migration planning and execution of all data for the existing and target platform. Created a data driven support system for the testing and tracking of all migration wave cycles.• Implemented an intranet-based Customer Tracking system to strengthen Customer Support and ensure near zero error rate post-conversion.• Delivered strategic guidance supported by data analysis and constructed a working model for the migration process which could sanitize and normalize data streams of varying quality from multiple sources.• Collaborated with bank Product Management, Operations, Marketing, Customer Support, Sales, and IT groups to ensure data alignment in their individual project work streams.

Rockland, Ma, Us

Responsible for the product management, development, and implementation of Blue Hills Bank electronic product: Retail Internet Banking, Business Online Banking, Online Account Opening, the ATM network, and Debit Cards. • Directed Operations and Product management, overseeing profitability, adherence to risk management and compliance policies, and product contribution to overall bank strategy.• Executed on all eCommerce product enhancements and implementations as well as ongoing review of the suite of products and features/functionality to ensure marketability and a competitive posture. • Facilitated the development and ongoing review of the eCommerce product policies and procedures. Collaborated directly with the Chief Marketing Officer to manage the eCommerce strategy.

Jacksonville, Fl, Us

Built and managed a Product Operations group for the new PayNet startup division.• Executed the internal onboarding of over 850 of FIS’ internal bank clients, a 400% increase, while identifying, documenting, and building the internal operating processes to support the new product. • Headed the Product Implementation, Sales Processes, and Reporting, while supporting Risk Management, Client Relations, and Technical Product Support. • Reengineered the product integration processes to ensure the successful and compliant onboarding of new FIS clients. Built an internal database and reporting system from several isolated data sources. Delivered end-to-end process documentation of the client sales and integration process for the PayNet product. • Served as technical liaison to all product operations issues as well as a key technical subject matter expert through the pilot program to identify critical emerging areas requiring improvement or enhancement.

Boston, Ma, Us

Launched an online bank/rewards platform for SimpleTuition, Inc, an eCommerce startup company, with the goal of enabling college students to be able to quickly pay down their student loan debt.• Engineered a business intelligence (BI) infrastructure cultivated by the creation and automation of internal operations processes. This BI infrastructure enabled the efficient management of bank product online sales processes and aligned/supported the internal operations of both products.• Managed the bank technical relationship, integrated key bank data into the platform, and contributed to the rewards platform as a chief technical subject matter expert. • Leveraged the BI framework to drive marketing initiatives with web-based analytics to include partner-based sales and incentive tracking. Monitored and managed all bank and rewards platform operations and processes.

Providence, Rhode Island, Us

Responsible for the .COM Applications, Processes and Metrics for CFG including sales tools, analytics, account opening applications, compliance with Federal rules and regulations as well as all internal corporate guidelines.Responsible for delivery of fully automated Online Account Opening process to include Customer Identification Risk Profile Matrices, credit based cross-sell opportunities, direct integration with bank host systems and immediate activation of account in online platform.Currently supports channel sales strategies, collaboration of the IT, marketing and operations teams to fulfill the eCommerce business strategy, and architecture/infrastructure requirementsCollaborates on the development and implementation of a web-based sales and marketing channel for three high volume web properties (Citizensbank.COM, CharterOne.COM, and Citizens Business)Implemented SEM/SEO, Behavioral Targeting/Profiling, and Direct Mail strategy within the .COM website.Collaborates with formulation of departmental policy and procedures, recommends new or revised standards, procedures, and policies

Providence, Rhode Island, Us

Oversaw channel sales strategies, collaboration of the IT, marketing and operations teams to fulfill the eCommerce business strategy, and architecture/infrastructure requirementsCollaborated on the development and implementation of a web-based sales and marketing channel for three high volume web properties (Citizensbank.COM, CharterOne.COM, and Citizens Business) Responsible for developing and managing the growth of a web-based self-serve environment that delivered a cohesive and award winning customer experience to our eCommerce customers Responsible for the .COM operations of CFG including sales tools, analytics, account opening applications, compliance with Federal rules and regulations as well as all internal corporate guidelines Implemented SEM/SEO, Behavioral Targeting/Profiling, and Direct Mail strategy within the .COM website. As a result, Direct Mail and SEO/SEM efforts contributed to a 17% growth in account applications over 12 months. The Behavioral Targeting and Profiling effort improved the click-through rate on advertising banners by 180% over randomly served advertising immediately and has been consistent in that delivery for over 18 months. Responsible for a $3M .COM operations budget (contracts, website vendor and departmental expenses)Assists with formulation of departmental policy and procedures, recommends new or revised standards, procedures, and policies

Providence, Rhode Island, Us

Provided internal management and systems consulting expertise to Online Financial Services, Business Banking, ATM/Card management, and In-Store Banking. Built automated web-based solutions to manual processes and procedures (major projects noted below).Played a key internal Project Management role in the May 2003 launch of CitizensBank.com corporate website. Managed a 15-person team on this successful $2.5M website redesign. Served as the Project Manager for the Payee Migration Tool developed for CitizensBank.com online Banking Application. This tool successfully enabled customers to move their Online Bill Payees from other financial institutions to our online banking platform. In the pilot year of implementation this tool enabled 840 new bank relationships aggregating over $725K in profit for the bank.Oversaw the development and deployment of a sales tracking laptop system for the New England Business Banking Group (BBG) which resulted in a 35% increase in sales to the group, a 4-hour reduction in weekly admin time per officer and an 80-hour reduction in weekly back-office administration.Developed and deployed a Divisional Intranet (portal), which became the primary delivery vehicle for Financial Reporting data as well as 12-web-based applications.

Bs In Ba, Finance

Mba, Accounting