Fishers, Indiana, United States
I am a senior banking executive with a track record of driving growth, digital transformation, and operational excellence across consumer, business, and mortgage banking organizations. Throughout my career, I have led large-scale initiatives that expanded lending and deposit portfolios, modernized customer-facing platforms, and strengthened profitability while maintaining a disciplined focus on risk management, governance, and regulatory compliance. My experience spans enterprise banking strategy, digital innovation, customer experience, and P&L leadership within multibillion-dollar financial institutions. At First Internet Bank, I have led transformational efforts that accelerated customer acquisition, expanded lending and deposit growth, and modernized digital banking capabilities. I directed enterprise-wide platform migrations, built scalable digital lending and deposit solutions, and leveraged AI-enabled analytics to improve customer insights and operational performance. By aligning technology, operations, and business strategy, I have consistently delivered growth while enhancing customer experience, operational efficiency, and organizational scalability. My leadership philosophy centers on building high-performing teams, fostering accountability, and creating a culture of continuous improvement. I have recruited, developed, and led teams of more than 70 professionals across sales, operations, underwriting, secondary marketing, and digital banking functions. By combining strategic vision with execution discipline, I help organizations navigate change, capture growth opportunities, and create sustainable value for customers, employees, and stakeholders. Specialties Digital banking strategy • Digital account opening • Consumer & business products • Virtual banking & contact centers • Consumer lending • Indirect specialty lending • Customer experience • Process optimization • Product governance • Vendor & third-party management • Contract negotiation
Accomplishment highlights: · Digital Banking Transformation: Led enterprise digital banking and account opening strategy for a $5.6B financial institution, directing the migration of 27,000+ consumer accounts to a unified modern platform that streamlined onboarding, improved scalability, and consolidated 95% of deposit customers. · Deposit Growth & Portfolio Expansion: In 2025, drove acquisition of 5,500+ consumer deposit accounts representing $271M in balances and 2,200+ business deposit accounts representing $62M in balances, while directing consumer lending performance across portfolios that generated $108M in new loan production. · AI-Driven Customer Insights: Leveraged AI-enabled CoPilot workflows and automated reporting frameworks to transform customer feedback into actionable operational insights, identifying high-volume friction points and partnering with IT and third-party providers to deliver scalable digital self-service capabilities. · Customer Service & Digital Operations: Directed transition of contact center operations to a cloud-based platform with screen-pop functionality and proactive service capabilities while introducing segmented customer servicing models and secure digital messaging. · Talent Development & Performance Management: Reorganized teams around specialized functions, developed advancement milestones for high-potential employees, and contributed to customer experience improvements that positioned Relationship Banking NPS performance significantly above industry benchmarks. · Customer Experience & Automation: Led the business strategy for a comprehensive CD self-service platform that enabled customers to renew, redeem, modify terms, and process partial withdrawals digitally with automated core system integration and regulatory disclosures.
Accomplishment highlights: · Consumer Lending Leadership: Directed enterprise lending operations across mortgage, home equity, credit card, and direct and indirect vehicle-secured specialty portfolios, generating $113M in mortgage banking gain-on-sale revenue and originating $7.4B in first-lien mortgages over a 10-year period. Grew the consumer loan portfolio from $97M in 2014 to $378M in 2023 (16% CAGR) through lending channel and underwriting optimization. · Digital Mortgage Transformation: Led the transformation of a regional mortgage business into a nationwide direct-to-consumer digital lending platform, increasing annual online originations from $440M to $1B and establishing gain-on-sale revenue as the bank’s largest source of non-interest income for 11 consecutive years. · Digital Lending Infrastructure: Directed implementation of enterprise lending technology platforms including loan origination systems, pricing engines, point-of-sale platforms, and lead management systems that enabled 100% digital employee adoption. · Secondary Market & Revenue Optimization: Built the bank’s secondary marketing function from the ground up, transitioning execution strategy from best efforts to mandatory delivery with third-party hedging capabilities that improved gain-on-sale performance by 25 basis points. · Talent Strategy & Organizational Scale: Recruited and developed high-performing sales, operations, and secondary marketing teams, doubling the mortgage sales force, expanding the department to 70+ employees. · Data Analytics & Performance Management: Partnered with IT to build performance dashboards tracking lead spend, pull-through rates, lead source conversion, and loan officer productivity. · Risk & Credit Optimization: Redesigned secured and unsecured lending criteria using charge-off analytics and portfolio performance data to strengthen risk-adjusted returns, improve pricing execution, and enhance compliance oversight.
Accomplishment highlights: · Secondary Marketing & Revenue Growth: Directed wholesale originations and secondary marketing for a $2.3B national bank, generating $64M in revenue through the sale of $2B+ in mortgage assets while managing $286M in annual production volume, overseeing 4,100 loan units totaling $257M, and reducing unmarketable loan exposure from $5M to $1M annually. · Lending Operations, Strategy & Governance: Led retail home equity redesign that increased production volume 70%, reduced expenses by $600K annually and 50% operationally through compensation and productivity improvements, launched the organization’s first home equity line of credit and non-performing asset sale initiatives, and established SOX 404 controls and enterprise risk procedures while managing nationwide lending teams.
Oversaw and led all secondary marketing activity and net income for the wholesale division. Managed entire secondary marketing sales process including pooling, pricing, funding, tracking, and reporting of loans for sale. Managed, coached, developed, and evaluated one Support Manager, three Secondary Marketing personnel, and eight staff members.