“Leadership is the capacity to translate vision into reality.” –Warren G. Bennis
“The role of leadership is to transform the complex situation into small pieces and prioritize them.” –Carlos Ghosn
“In God we trust, all others please bring data” DJ Patil
Leadership
- Created an Internet Banking division of the nation’s leading Bankers Bank. The division was purchased and taken public in 1999. Became a top-five executive of publicly traded firm.
- Created Analytic Services division of a leading consulting company that traditionally served community banks. After three years we had dozens of clients including Capital One, Compass BBVA, Frost Bank, Huntington Bank, and Wachovia.
- Authored advanced analytic product division for a “big data company”.
- Became Chief Information Officer of a $3.5B corporate and wealth bank. After 7 years left as Chief Strategy Officer of a $7B bank that had grown from 18 to 26 branches, had a 5-star-Baur rating, added mortgage and retail lines of business, changed cores, implemented a measured sales culture and created a business intelligence and credit management platform integrated into the daily management of each line of business.
- Experienced working with regulators to migrate a credit union into a thrift and resolve a dozen MRAs.
Mergers and Acquisitions
- Worked on M&A team for over 45 acquisitions with Bank of America
- Have helped community financial institutions acquire over a dozen institutions and mortgage companies
- Led team that acquired 7 internet banking companies, a bill pay company and a core processor
- Large Spanish bank acquisition to enter the United States
Corporate Change Management
- Over twenty years integrating culture, core values, systems, products and methods to best practices
- Expert in Learning Organization
- Primarily utilize the McKinsey 7s methodology (and Hitt’s 8th S)
Advanced Analytics & Business Intelligence
- PhD Dissertation: A quantitative analysis of the unintended effects of Dodd-Frank Legislation
- Two Patents on Machine Learning, self-adjusting equations for overdraft limits and retention scoring. (a hyperlink to patent links on publications page?)
- Implemented or improved dozens of BI platforms for FIs ranging from community-sized to top 5
- Headhunted by McKinsey & Company to develop an Advanced Analytic Platform for a big-data provider
Profit and Incentive Systems and Models
- A particular area of expertise and a key component of any decisioning that leads to measured action
- Implemented a dozen incentive models to meet bank needs
- Best practice recommendations for each line of business
- Implemented most profit systems available today
- Built a custom application for a large bank as part of a $1.1MM engagement
- Expert in FTP, RAROC, NAICS, LTV, EC, Risk Weights, Capital Costing, ALLL to EL to CECL
Other Projects
- Nearly sixty (60) bank core conversions
- Authored many strategic and tactical plans
- Have frameworks to implement PMO and Information Security Officer program that have both received rave comments from regulators
- Transformed a strategic plan service into a quarterly updated, measured tactical process.
- Implemented Encompass, Orchestrator, and Black Knight mortgage platforms
- Implemented Moody’s, D&H DecisionPro, LaserPro & Credit Quest, and Baker Hill B2B & B2C
- Implemented Hyland OnBase, Fiserv Director and Proformance
- Created Statement Imaging division and product for a BankersBank
“Management is doing things right; leadership is doing the right thing.” –Peter F. Drucker
