William Morrow Email & Phone Number

Charlotte, Nc, Us

Charlotte, Nc, Us

Ownership of end to end deposit account opening process as well as the new deposit account decisioning process which evaluates applicants and facilitates new sales units encompassing more than 700K monthly applications for checking, savings, CD and IRA productsNotable Accomplishments:Selected by Executive Management to assume this high-profile role based on domain knowledge of internal systems, command of data analytics and technology and success leading a 2-year effort to respond to the OCC sales practices exam related to the recent unauthorized bank account matter.Drive measurable improvements in customer experience with our sales teams during the new deposit account process by introducing more flexible fraud detection and identity verification processes.Oversee quality assurance on dedicated regulatory sub-processes and validate the bank’s risk management/compliance/legal posture through ongoing collaboration with Fair Credit Reporting Act (FCRA) support partners and the bank's Anti Money Laundering (AML), Fraud, and customer-facing sales channel organizations.Research and formalize the bank position on customer complaints directed to executives, involving large fraud losses, initiated by State Attorneys General, or part of lawsuits against the Bank.Provide leadership that improves collaboration between the fraud and sales teams on projects vital to the bank’s interests.Build process flows that address any issues in the new deposit account decisioning process and ensure a high degree of accuracy in the data or actionable insights reported to the Executive Management team.

Charlotte, Nc, Us

Product Owner of the deposit account opening and closing risk processesNotable Accomplishments:Implemented procedural changes and reporting controls for logging and escalation of potential sales practice concerns per regulatory requirements.Revamped and consolidated the account closure system and reporting process to provide one consistent, integrated and accurate enterprise system that captured the reasons clients closed accounts.Utilized data analytics and incident trend analysis to identify bank employees for additional training and coaching to increase their job effectiveness.Saved the bank $2M in annualized interest expense by architecting a SQL coded process that assigned the appropriate interest rate to sub-segments of the customer base.

Charlotte, Nc, Us

Manage the Debit Card P&L Statement Notable Accomplishments:Enhanced a tightly managed business with incremental improvements accomplished through portfolio metric analytics, revenue and expense forecasting and reporting, regulatory stress testing analysis, and long-range planning on the bank’s debit card user population comprised of more than $330B annual purchase volume.Changed various analytical methodologies and data inputs which demonstrated continuous Improvements in forecast and reporting process to our business partners.Performed regulatory required and comprehensive bottom-up compilation of total product expenses, providing a previously unreported and expanded level of detail required to operate and support a debit card program that complied with the Dodd-Frank Durbin Amendment.

Charlotte, Nc, Us

Notable Accomplishments:Improved cost forecasting accuracy over prior management by 25%, directing a portfolio of $100M in technology initiatives for the financial management of Deposit products.

Charlotte, Nc, Us

Notable Accomplishments:Controller for budget forecasting, planning, reporting and analysis, and Sarbanes compliance for a business lending organization comprised of over 5,000 sales and support associates with an expense budget of $1.2B.

Charlotte, Nc, Us

Notable Accomplishments:Streamlined processes across two risk management organizations of 1,500 associates resulting in a 2/3 reduction of finance analysis support while increasing reporting capabilities to meet business partner needs.

Dearborn, Michigan, Us

Notable Accomplishments:Implemented healthcare disability plan controls and reduced overpayments to plan participants; results avoided over $3 million in future overpayments and identified over $2 million from prior periods pursued for collectionImproved freight cost accrual system covering over $600 million in annual spend through increased integrity of data input and process enhancements; results include nearly $1 million annual cost avoidance through improved processes and stronger business controls

Dearborn, Michigan, Us

Notable Accomplishments:Responsible for forecast and budget reporting of premium freight in North America in excess of $100 million annuallyCreated, implemented, and managed process to analyze and coordinate data transmissions between Mexico and Canada to produce duty tariff savings to Mexican operations in excess of $3 million annuallyLed vision, design, and implementation phases for two mainframe computer applications generating $4 million annual cost savings through U.S. Customs Service

Bachelor Of Arts - Ba, Economics And Management

Master Of Business Administration - Mba