Scott Carruthers Email & Phone Number

Led Visa’s Product Consulting business for their largest customer. Responsible to execute on new corporate business strategy and self-developed volume building ideas from concept through deployment and performance assessment. Accomplishments include: the creation of a credit product knowledge and reporting center, the implementation of a high-affluent product platform, the build-out of a best-customer product channel through Visa Signature, and the creation of new processes and controls for monitoring critical performance triggering corrective action when necessary.

Led best-in-class sales teams challenged and measured to win 67% of the highest value, most strategic pursuits of Ernst & Young. Excelled in quickly adapting to change, delivering under pressure, managing complexity, teams and diverse stakeholder cultures and objectives. Mentored and coached partners and teams throughout sales campaigns, established performance objectives, goals and incentive programs while improving sales processes and engagement successes during London-based assignment. As Senior Manager, eCommerce, reporting directly to the Board, our select strategy team identified and qualified new business ideas and client service solutions in eCommerce. Developed a global eCommerce network of professionals designed to enhance the company’s brand equity in a connected economy, spearheaded the development Ernst & Young’s Trust Blueprint methodology leading to early web certification and other security services now generating an estimated $700M annually.

Led senior management and product implementation teams in establishing new card functionality, loyalty programs, pricing, network policy and high-level strategic sales initiatives. Designed infrastructure and market facing operations of the world’s first open market bank smart card system projected to generate $500M. Founded and chaired MAC’s Stored Value Charter Group; presented industry issues, developed go-to-market solutions, and resolved service rollout challenges. Expanded MAC market share from 3% to more than 20% in less than two years Launched MAC’s first dual brand management agreement with the MOST network. Convinced the Maryland State Banking Commission to allow cross-state border deposit acceptance of ATMs. Headed sales and client support for MAC’s central region (largest in the network), generating more than $7M in annual revenue.

Education record

Bs, Finance & Marketing