As a senior executive, industry thought leader and policy influencer, I manage organizations and their people through substantial change to new levels of profitable revenue growth. In rapidly evolving, extremely competitive, regulatory-driven environments, I am known as a proactive “fixer” and problem solver with a breadth and depth of experience encompassing executive leadership and board governance, payments systems, operations, sales and marketing, and vendor management. Passionate about transforming companies into customer-focused market leaders while continuously uncovering opportunities for both business and employee advancement, I am a time management expert who applies my analytical insight and experience in creating and implementing the groundbreaking strategies, processes, and systems that improve efficiencies, reduce costs, and drive value in the marketplace. Inspirational and driven, I lead from the front, building environments of highly motivated, extremely talented, fiercely loyal, collaborative people who work in alignment to execute on vision, while achieving personal and professional success.Noted for:Thought LeadershipRecognized as one of the leading experts in the United States on the payments industry. As a top policy influencer in DC, advocate for the community banking industry, translating proposed legislation and/or regulatory changes to financial institutions. Routinely invited to speak at industry events sharing best practices, as well as frequent blogger/podcast guest on payments, risk and fraud, emerging trends, and leadership. Business Transformation and GrowthContinually chosen, throughout career, to lead change initiatives in ever-evolving business landscapes, through technology advancements, company restructures, and product and corporate redesign within organizations. Powerful Vision and LeadershipAs the youngest SVP within Sandy Spring Bank, promoted continuously to drive growth and advancements in efficiencies in an increasingly digital landscape. Ultimately oversaw the customer side of business from technology operations to every digital customer touchpoint as SVP/Director of Deposit Operations and Digital Delivery.InnovationCo-founded the ICBA ThinkTECH Accelerator Program. Mentored 37 fintech companies with early-stage solutions, focusing on product development, investor pitch, marketing, pricing, and maximizing GTM strategies.
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Chief Operations OfficerBalancedtrustWashington, Dc, Us
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President And Ceo – Icba Bancard ǀ Vice Chair – Tcm Bank, Na (Wholly Owned Subsidiary)Icba 2016 - 2024Washington Dc-Baltimore AreaRecruited to grow and lead this 30+-year-old credit and debit card group service provider in its expansion of products and services into other payments services in a challenging market. As the second CEO in the history of the company, managed $105M revenue budget, corporate and bank operations, sales and marketing, product development, and services, including payment and digital channel strategies. Led 150+ member team; represented both organizations and over 2,200 banks nationwide on multiple boards and committees. Served as an advocate and thought leader in the digital payments market segment through speaking engagements, interviews, and published content.IMPACTRestructured both organizations, creating an environment of sharing of best practices and cohesiveness that improved cross-functional collaboration and increased efficiencies. Captured significant profitability through market and regulatory insight and expertise. Increased annual sales to $40B+ by optimizing nine million bank cards from 2,200 community financial institutions and providing marketing and digital acquisition tools. Co-founded the ICBA ThinkTECH Accelerator program and mentored 37 cutting-edge fintech companies (out of 200 applications annually) with early-stage solutions to improve products, marketing, pricing, investor pitch, and go-to-market strategies. -
Senior Vice President ǀ Director Of Deposit Operations And Digital DeliverySandy Spring Bank 2009 - 2016Olney, Maryland, United StatesPromoted into increasingly responsible roles to continue operational modernization, automation, and upgrade of efficiencies encompassing greater functional areas of importance, client engagement, and market competitiveness in an increasingly digital world. In this continually expanding role, responsibilities expanded to include client service center, mobile and online banking, website, and social media (2011) and ultimately product management and marketing for debit and credit cards (2015). Served on multiple boards and committees. Directed a 120-member team in deposit operations, digital delivery, client services, treasury management, fraud and risk mitigation, and the call center. IMPACTStrategic Planning and Ongoing Transformation – Developed and implemented a long-term digital strategy with short-term impacts that effectively met customer needs, maintained market competitiveness, and continuously reduced brick and mortar hours. Managed largest division of OpEx and revenues outside of products and services. Developed retail and commercial online and mobile applications, card products/services, corporate treasury, digital channels, and image solutions. Co-created a customer journey mapping program. Implemented controls that prevented fraud. Team Development and Leadership – Led multiple, cross-functional project teams responsible for implementing company-wide initiatives and evaluating ROI for payment strategies, the Check 21 Act, platform automation, and mortgage lending. New Levels of Cost Savings and Revenue Growth – Developed new Treasury Management solution that earned increased revenue from a public sector client. Achieved significant in savings annually and reduced FTE by automating efficiencies. Grew recurring revenues by creating and launching a debit card promotion. Increased annual revenues with no customer loss. Delivered improved active cardholder usage. Received numerous awards and recognition for superior programs, savings, and services. -
Svp - Electronic Payments And Treasury Services ǀ Svp And Director Of Deposit OperationsSandy Spring Bank 2008 - 2009Olney, Maryland, United StatesInitially brought in to turn around and automate Electronic Payments Groups (ATM, ACH, and Wire Transfers). Role quickly expanded to SVP, Director of Deposit Operations, a department that included deposit operations, item processing, data center, mailroom, EFT, CIS, ACH, treasury services, account reconciliation, research, government reporting, risk, and fraud. IMPACTAssessed, reorganized and transformed entire infrastructure from the ground up, automating and instilling policy/system upgrades and process efficiencies that reduced annual expenses by millions of dollars. Uncovered opportunities to minimize expenses related to debit cards. Identified and implemented a new wire transfer system that allowed customers self-service wire transfers. Implemented positive pay to reduce check and ACH fraud for business clients by enabling them to verify issued transactions prior to posting. Developed policies and procedures that resulted in clean audits and regulatory exams.
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Senior Vice President ǀ Director Of Vendor Management And PurchasingSandy Spring Bank 2005 - 2008Promoted into this role to develop and rebuild an outdated, cost-heavy vendor management program. Facilitated the RFP process, vendor management contracts, service-level agreement negotiations, and final review with general counsel. Maintained vendor risk ratings and communication with board and audit committee stakeholders regarding high-risk reviews and performance. IMPACTRenegotiated, consolidated, and reduced vendor agreements. Automated and customized the entire vendor management system. Launched an internal purchasing credit card program across 75 cost centers in 50 locations that reduced bill payment processing and expense management activities by consolidating billing systems across AP functions.
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Senior Vice President ǀ Director Of MarketingSandy Spring Bank 2002 - 2005Olney, Maryland, United StatesAs the youngest SVP in the history of the bank, promoted into this role by COO to “fix” marketing. Performed SWOT analysis and developed and launched a three-year marketing strategy to turn around department, leading all internal and external initiatives and activities. Managed an annual strategic giving budget and with 750 company-wide employees, provided over 10,000 community service volunteers hours ranking #3 in the DC metropolitan area (behind Lockheed Martin and Marriott). Reported to the COO; led 10 team members.IMPACTBuilt out customer segmentation, identified target markets, and reduced expenses. Significantly improved the customer experience and increased brand awareness. Received President’s Award for the development of the MCIF system, bestowed to one employee annually. Spearheaded rebranding and renaming of the bank and logo in its transition from a national to state charter. Rolled out all new ATM systems (22 branches, 40 ATMs, and 100,000 customers). Managed all messaging, public relations, and communication around event. Established deposit rates as a member of the asset liability committee (ALCO).
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Vice President – Alternate DeliverySandy Spring Bank 1997 - 2002Olney, Maryland, United StatesBuilt online banking services division and team from the ground up, ultimately becoming the bank’s most profitable business line. Created and launched strategy that provided online banking to thousands of consumers and small businesses, a company first. Built and managed team to 25 people. Developed all marketing materials, disclosures, and agreements to support the new services. Reported to the COO; managed budget. IMPACTRecognized as one of the first banks in the United States to launch real-time online internet banking. Created the bank’s first-ever call center in support of online banking services. Built the company’s first website, increasing brand presence and adoption to 46% in two years.
Tina Giorgio Education Details
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Business Administration And Management, General -
Financial Services Management -
Stonier Diploma -
Business Management
Frequently Asked Questions about Tina Giorgio
What company does Tina Giorgio work for?
Tina Giorgio works for Balancedtrust
What is Tina Giorgio's role at the current company?
Tina Giorgio's current role is Chief Operations Officer.
What schools did Tina Giorgio attend?
Tina Giorgio attended Liberty University, Isenberg School Of Management, Umass Amherst, Aba Stonier Graduate School Of Banking, University Of Maryland Global Campus.
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Tina Giorgio
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