Tracey Mochnal Email & Phone Number

New Jersey, United States

Worked closely with C-level executives to set product strategy and roadmap for the Bank’s $13B deposit portfolio. • Drove innovation and delivered treasury/cash management solutions, achieving 143% analysis fee revenue growth over four years from $4.9 MM in 2018 to $11.9 MM in 2022.• Led a team of one product director and 8 product managers with end-to-end responsibility for all commercial, small business and consumer deposit products and payments, receipts and liquidity solutions (including ACH, Wire, Integrated Payables, Insured Deposits, Positive Pay, RDC, Online Escrow, Online Banking, etc.)• Launched new and enhanced treasury solutions to support the bank’s strategic goals of digital transformation, revenue growth, and a seamless customer experience.• Managed Treasury Solutions’ agile framework including tracking pod forecasts to budget, working with scrum teams to drive toward ideal gearing ratios and establishing and tracking Objectives & Key Results.• Led a task force that resulted in annualized $6.8 MM reduced expense and $1.2 MM additional revenue through paper suppression, product rationalization, reduction in fee waivers and billing automation.• Managed the product migration of Gold Coast Bank and Berkshire Bank into Investors and the migration of Investors into Citizens including product mapping, pricing strategy and client communication, with minimal client attrition.

• Maintained relationships with key Treasury Bank partners to optimize their sales of Zelle® Disbursements and Account Verification Services to their corporate and government clients.• Accelerated Early Warning’s time to revenue from some of the company’s largest bank partners by ensuring timely completion of legal documents, risk assessments, training and onboarding activities.• Supported clients by acting as primary point of contact for Early Warning and fostering collaborative relationships with internal areas including Billing, Product Management, Marketing and Legal.

Greater New York City Area

Partnered closely with external payment organizations and led significant innovation initiatives that allowed Bank of America to become the first U.S. bank to offer new business-to-consumer (B2C) digital payment solutions.• Designed and launched Digital Disbursements, leveraging Zelle to make payments to consumers; Go-to-market activities included legal, risk and compliance approvals, marketing plans, pricing, and direct sales to clients; Achieved average revenue growth of 120% per year.• Rolled out a new global cross-border payments product allowing businesses to make payments to consumers’ PayPal accounts in the U.S. and internationally. Press release January 31, 2018.• Implemented a payments transformation strategy focused on selling electronic payment products to targeted clients and increasing consumer adoption of digital solutions.• Presented at industry conferences to promote emerging digital payment solutions. Conferences included the National AFP Conference, TEXPO, Windy City, NACHA and BAI Connect.

Greater New York City Area

Led a team of six product managers responsible for the check disbursement suite of products (including controlled disbursement, account reconciliation, positive pay and image archive) with average annual revenue of $250 MM.• Created a paperless disbursement environment, cut product expenses and improved profitability by managing several initiatives to achieve 100% check truncation and suppression of paper statements.• Minimized client impact of bank mergers by analyzing product gaps, implementing systems enhancements and migrating thousands of treasury clients to target platforms.

Master Of Business Administration - Mba, Finance And International Business

Activities and Societies: Beta Gamma Sigma, the honor society for collegiate schools of businessGraduated with distinction

Bachelor Of Science - Bs, Finance

Graduated with high honors