San Francisco, California, United States
• Transformational Technology Executive with unparalleled experience in Application Development, Solutions and Enterprise Architecture, Product Innovation, Process Design, Technology Infrastructure & Operations, Service Delivery, Supplier Sourcing and Strategic Planning. Extensive business background in Retail Banking, Lending and Payments. • Distinguished record for delivering strategic innovation through coordination of people, process & technology. Ability to break through impasse via principled leadership, collaboration, team building and stakeholder engagement. Able to galvanize industry peers and governing agencies for industry transformation.
• Executing final technology integration phase of First Republic acquisition, including decommissioning of consumer platforms. • Guiding the architecture-level mapping for JPMC's future-state core platform. • Led deconversion of First Republic Bank (FRB) to J.P. Morgan Chase (JPMC) for Deposits, Card and Consumer Lending.
• Defined and deployed cloud-based edge architecture, enabling robust core to be exposed as composable services, specifically designed to enhance banker productivity through automation and deliver rich functionality. This architectural strategy resulted in a post-conversion Net Promoter Score (NPS) of 80, significantly eclipsing the banking industry average of 31, demonstrating the successful translation of technology into superior client experience. • Oversaw enterprise conversion of bank and vendor systems—assembly of teams to integrate the target core with payments platforms, sales & servicing channels, and enterprise infrastructure—executing all deliverables remotely throughout the challenging COVID-19 pandemic. • Led Core Banking Technology for key domains: Deposits & Debit Card Processing, Loan Servicing, Customer Information, and surrounding systems.
• Performed comprehensive assessment, scoping framework, and quantitative impact analysis to establish Case for Change for First Republic Core Transformation Program, successfully leading to a W-2 leadership role to execute the program.
• Architected and defined the unified Retail and Direct Banking platform necessary for the successful post-acquisition integration of the ING Direct and Capital One franchises, driving efficiency and system convergence across both entities. • Pioneered the industry's first cloud-first adoption strategy for Retail and Direct Banking division, resulting in demonstrably improved time-to-market for new products and a Year-over-Year reduction in operating costs. • Developed and instituted the end-to-end AML (Anti-Money Laundering) and KYC (Know Your Customer) technology and business process framework across the Consumer, Small Business Banking, and Brokerage divisions, integrating fully with the Credit Card division to successfully address and satisfy an OCC Consent Order.
• Led enterprise-wide re-engineering and consolidation efforts for business processes and applications obsoleted by modern image processing, pivoting the industry's largest volume operation from inefficient overnight batch processing to incremental, real-time streaming by leveraging metadata over physical data movement. • Achieved over $100 million in quantifiable YOY annual savings by eliminating complex paper check handling, transitioning to a fully imaged system using a Spring Batch Java framework integrated with advanced banking business architecture. • Established the core Document Management Framework, enabling content-based routing, migrating legacy content from mainframe systems to mid-range architecture, and implementing Content Addressable Storage (CAS) for enhanced efficiency and accessibility. • Engineered and deployed Real-Time Account Opening & Activation, utilizing jBPM to manage the complex state of both human-centric and system integration processes, drastically improving customer experience and speed-to-market. • Optimized Intelligent Character Recognition (ICR) for received documents, implementing automated case management for high-risk processes such as Levies and Attachments.
• Served as Chief Architect for the seamless CA/NW Transition to Model Bank, successfully migrating over 26 million accounts with flawless execution and zero disruption. • Earned special recognition and realized $20 million in cost avoidance by pioneering advanced modeling techniques, eliminating the need for a full-scale build-out for the core convergence effort—a strategy personally developed a decade earlier in Strategic Planning. • Led the multi-year effort to deploy enterprise-wide Operational Master Data Management (MDM), establishing a single source of truth to drive consistency across business lines. • Delivered the complete solution architecture for the divestiture of Balboa Insurance to an overseas purchaser, ensuring clean separation and continuity of critical systems. • Spearheaded future industry transformation in Legal Order processing by developing an EDI alternative to paper processing, establishing the X9.129 standard, and filing an open-use patent to syndicate adoption with the Federal Reserve Bank, IRS, and Top 10 banks. • Successfully divested Student Lending operations in response to shifting business climate, ensuring a clean break and minimal operational impact. • Provided Expert Witness testimony to the OCC Regulators/Legal Team on critical matters involving complex deposit posting and processing procedures. • Developed industry solution for initial bilateral deployment of P2P payments deployed in partnership with Wells Fargo, as well as target state omni-bank platform, commercialized as ClearXchange, now Zelle.
• Created and executed the cross-channel SOA (Service-Oriented Architecture) transformation for New Product Innovation, directly enabling products to be brought to market in one-fifth the time it took previously, dramatically accelerating business responsiveness. • Patented Inventor and Lead Architect for the industry-leading "Keep the Change" program, resulting in 15 million customer enrollments and $3.5 billion saved by customers. This innovation earned Bank of America the Outstanding Corporate Innovator Award from the Product Development & Management Association in 2006. • Engineered a real-time deposit fraud detection platform leveraging live feeds of industry consortia data across 160 million customers to precisely predict funds collection. This platform significantly reduced unwarranted customer holds and operating losses while enabling a new service for customers to accept checks immediately for payment. • Provided core solution architecture support for the product enhancement fulfillment stemming from major bank acquisitions, including Fleet Boston, MBNA, LaSalle, US Trust, Merrill Lynch, and Countrywide. • Developed the foundational Consumer Bank Architectural Taxonomy to functionally classify similar applications, successfully surfacing duplication and enabling the sunsetting of over 100 applications in a concerted effort to reduce Total Cost of Ownership (TCO) and system complexity. • Assembled and cross-trained Deposits data warehousing and transaction processing teams to establish rigorous data provisioning standards, centralized metadata repository, and comprehensive data lineage mapping, effectively resolving fragmented Information requests from the lines of business. • Dispatched overseas to serve as the lead IT representative, exploring and assessing the viability of Retail Banking expansion into the European market.