Ryan Everett Email & Phone Number

San Antonio, Texas Area

I launched R. Everett Consulting in 2017, where I serve as a critical partner and advisor to a wide range of corporate clients including financial institutions and investment firms on program development, marketing strategies, and launching new products and services within the credit card industry. Learning the client organization’s goals and available resources, I design customized strategies and roadmaps that allow them to balance business planning and regulatory risks while successfully launching new credit card offerings and rewards programs into new and lucrative markets.From delivering a 60% decrease in transaction processing costs for a regional financial institution through a strategic migration of data providers to providing a strategic roadmap for an Asia-based investment firm in designing and building new credit card rewards programs, I’ve helped position a wide range of client organizations for current and future success in their product development, marketing, delivery, and improvement efforts.DELIVERED RESULTS:► Positioning specialized financial institution to successfully compete with larger institutions with established credit card portfolios by creating segmentation models that drive the client organization’s strategic planning and marketing efforts.► Secured a multi-million increase in customer spend for a mid-regional financial institution while creating new lifecycle marketing programs and optimizing their client onboarding process.

Dearborn Michigan

I joined AAA after my tenure with USAA to lead the organization’s credit card program into the future. Supporting the organization’s established customer base throughout the U.S., I led my cross-functional team of direct reports, contributors and leaders in critical planning and forecasting for the future of the organization’s credit products, creating new capabilities and strengthening existing processes that positioned our customers and our credit offerings for future success.DELIVERED RESULTS:► Led AAA’s co-brand conversion from a large scale vendor to a strategic partner, driving all of the data migration efforts required for the transition while establishing key risk and profit sharing agreements with the new strategic partner concerning the credit card portfolio.► Improved projected pre-tax income by over 50%, designing changes and processes that were projected to deliver over $25 million in pre-tax income for AAA by 2018.

As Chief Strategy Officer I led USAA Federal Savings Bank’s strategy development and management initiatives across all consumer banking, lending, and credit card products. I partnered with key stakeholders and leaders from across the bank’s multiple directorates, ensuring that all short- and long-range strategy and operations planning initiatives supported USAA’s vision of becoming the premiere, one-stop banking solution for our dedicated member base. From positioning resources and teams to fuel future growth to developing programs designed to decrease regulatory burdens and risks endured by team members at all levels of the institution’s operations, I served as the bank’s C-suite champion for change management and developing efforts that guaranteed the bank’s long-term growth and success.DELIVERED RESULTS:► Served and program champion for the USAA Executive Mentor Program, leading the pairing of seasoned executives with up-and-coming leaders for mentoring opportunities that increased leadership capabilities and established a sustainable succession planning capabilities for all directorates.► Advised leaders and critical stakeholders on risks posed by an ever-changing regulatory environment, developing contingency planning and leading the implementation of controls and monitoring that supported the bank’s compliance with regulatory requirements across all risk management, consumer lending, and operational functions.► Achieved a 300% increase in digital acquisition of new clients, leading USAA in leveraging emerging technologies and marketing mediums to fuel client engagement and consumer response to digital advertising materials.

San Antonio, Texas Area

I first joined USAA Federal Savings Bank as its Executive Director of Credit Card Product Management, and was promoted into the AVP role in 2008 to oversee all of USAA’s credit card products. I led my directorate in maintaining strategic third-party relationships with Visa, MasterCard, First Data, and critical third-party rewards vendors, all while developing short- and long-term strategies for USAA’s credit card portfolioAdditionally, I built and mentored a high-performing team of leaders and subject matter experts that mitigated risk and supported efforts that streamlined existing programs and delivered new initiatives and programs that positioned USAA for continued success by delivering products and services that met or exceeded the demands of the market and delivered exceptional borrowing solutions and services to our members.DELIVERED RESULTS:► Securing 400%+ increase in customer spend, building new programs and introducing new credit products that delivered improved value to our customers and driving growth from $9B to $35B in consumer spending.► Onboarded American Express as key credit card provider for USAA members, increasing customer satisfaction by delivering additional credit products for their selection.► Led USAA’s retirement of legacy offerings and programs, increasing cost savings through decreased expenditures while repositioning critical infrastructure, team members, and internal systems for new endeavors.

Dallas/Fort Worth Area