Rick Rinaldo, Mba Email & Phone Number

Charlotte, Nc, Us

Charlotte, Nc, Us

San Francisco, California, Us

Irvine, Ca, Us

Leverage broad scope of industry knowledge toward directing all forward-thinking development and execution of highly complex options income strategies within a competitive and ever-evolving global marketplace.KEY ACCOMPLISHMENTS:• Developed an options income strategy averaging 30% returns in 15 years of back-testing.• Led a 50% return on capital in second year of trading and 85% return on capital in third year.

Jacksonville, Fl, Us

Strategically steered product management initiatives for The Exchange – a one-to-many environment connecting Mortgage Originators to integrations with 50,000+ industry-leading mortgage services providers.Directed product planning and development while managing a top-notch team of 20+ product managers and product owners. Led acquisition processes, including performing due diligence and developing asset valuation.KEY ACCOMPLISHMENTS:• Expertly led the development of an innovative automated mortgage review product.• Seamlessly implemented Voice of the Customer (VoC) process into the organization to ensure product designs were driven by direct customer needs and feedback.• Successfully developed and executed an online order management to serve as a low-cost, quick Speed to Market (STM) solution for a small client segment.

Jacksonville, Fl, Us

Built and sustained results-generating corporate client relationships with “Top 20” mortgage producers, including facilitating continued growth, business consulting, and flawless execution of diverse initiatives.KEY ACCOMPLISHMENTS:• Personally managed the full scope of product implementation lifecycles ranging from project initiation through to implementation activities that encompassed post-execution product adoption for multiple initiatives totaling $8+ million in annual revenue.• Rapidly turned around two (2) highly damaged client relationships by building strong collaborative alliances, quickly resolving legacy problems, and promoting credibility by consistently delivering on promises.

Charlotte, Nc, Us

Capitalized on the opportunity to drive team-centric mortgage business planning, including testing changes in consumer price elasticity and price offers, as well as actively managing high-quality vendor relationships.KEY ACCOMPLISHMENTS:• Developed market share forecast models and provided bi-monthly market share projections.• Delivered $30+ million in incremental revenue annually by leading a significant shift in pricing strategy which required new data solutions, processes, and controls.• Successfully represented BAC home loans in a bi-annual mortgage economic survey and industry roundtable event to perform related analytics and opportunity assessments.

Charlotte, Nc, Us

Spearheaded an 80-member team responsible for integral business support in portfolio analytics, business analytics, and operational and ad hoc reporting for the Mortgage Collections business to exceed objectives.KEY ACCOMPLISHMENTS:• Continually developed business KPIs and measurements of operational success.• Drove goal-setting capacity planning by developing a business delinquency forecast model.• Led portfolio analytics of five (5) segmented portfolios with 10+ million customers aimed at providing insights into profit-generating delinquency drivers and opportunities.• Successfully transformed the business intelligence capabilities of the Collections business by developing key analytical tools and reports.

Charlotte, Nc, Us

Led team in the formulation of strategies and process-enhancing implementation to balance risk and reward of the Closing Services business. Designed quality review structures for the valuation and appraisal process.KEY ACCOMPLISHMENTS:• Concurrently served as the Bank Audit Manager for the 2010 OCC Valuations Audit and received bank external auditor certification for successful audit management.• Generated $500,000+ in reduced costs and improved SLAs by over 15% in the appraisal / appraisal delivery process by creating a model that aligned the risk and reward trade-off of performing pre-delivery quality reviews on appraisal products.

Charlotte, Nc, Us

Maximized bottom-line performance via product management and ownership of Automated Valuation Models (AVMs) responsible for delivering 800,000+ accurate home valuations annually to BAC customers.Mentored and managed a details-driven team of statisticians and business managers, including overseeing risk and reward, developing strategy, facilitating cost reductions, and building strong vendor relationships.KEY ACCOMPLISHMENTS:• Reduced average cost per automated valuation from $8.50 to $2.25 via vendor negotiations.• Drove the concept and development of a unique collateral risk model tightly linking credit and collateral risk which was recognized as a major innovation for the valuation industry.• Led key operational improvements, including enhanced database functionality, scorecard implementation, automated performance tracking, and vendor performance reviews.• Improved automated valuation product accuracy by redesigning an automated valuation scoring algorithm to generate $15 million in annual expense savings.• Influenced secondary market investors (Fannie Mae / Freddie Mac) to approve BAC’s use of an exotic hybrid valuation product – the first and only financial institution implementing this type of product to achieve $7.5 million in annual savings.

Charlotte, Nc, Us

Demonstrated proven talent in collaborating with peers to develop targeted initiatives for Consumer Real Estate to generate substantial mortgage origination volume in addition to non-mortgage sources of income.

Charlotte, Nc, Us

Expertly provided valuation estimates on companies spanning various industries via use of relative valuation methodologies and discounted cash flow analysis to align with Commercial Lending goals and objectives.

Charlotte, Nc, Us

Played a vital role in analyzing credit to support lending decisions for commercial business loans. Performed detailed financial projections and spreads, cash flow analysis, and customer profitability models.

Master Of Business Administration, Concentration In Finance

Bachelor Of Science In Business Administration, Concentration In Finance