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Work Background
ProveSenior Director of Product Management
Sep. 2022 - Oct. 2023New York, United StatesGlobal Head of Identity and Onboarding Solutions. Lead product team to deliver innovative use cases that drive client experience, growth, market or channel expansion, and process improvements across key industries. Collaborate with leadership for cross-functional engagement to ensure sales, customer success, and business performance.
*Launched Identity Assist, a new feature to support employment verification with a $10M target market.
*Launched Pre-Fill™ in Brazil, the first global instance of the product outside the US market. The product has exceeded Sales’ expectations with US$1.5M in contracts in the first five months. *Launched a process improvement to the existing US Pre-Fill™ product to help financial institutions save money on vendor costs and meet Patriot Act compliance. Opens a market of $20M.
*Designed MVP for a small business identity product, announced at Money 2020. Pre-Fill™ for Business helps companies verify identity of small businesses/merchants during onboarding and KYB. Opens a potential market of $500M. Secured verbal contract with Alpha client for testing.
VisaSenior Director of Product Management
Jan. 2019 - Dec. 2021New York, New York, United StatesGlobal Small Business Product Team: Led targeted initiatives to diversify revenue and support customers.
• Developed global strategic roadmap; collaborated with Regions to manage product planning.
• Recommended growth opportunities for: role of eCommerce in driving global cross border payments; B2B payments; packaging existing solution set for Gig workers; potential acquisition of digital platform solution to accelerate card and non-card growth for community banks.
• Created Business Disruption Playbook for Visa Customers, a three-part thought leadership series with tools and resources to support small business card issuers through Covid-19.
VisaSenior Director of Product Management
Jan. 2017 - Dec. 2019New York, New York, United StatesU.S. Region Small Business Product Team: Ensured Customer Success advising credit and debit portfolios of five top U.S. financial institutions to deepen loyalty and preference for Visa. • Won RFP to launch small business credit product line for major wealth management institution. Led to first launch of Visa Infinite Business.
• To ensure contract renewal for a global bank, designed payroll and digital dashboard concepts to tap unmet market needs.
• Collaborated with Data Science to design spend cluster model that identified characteristics of high spending businesses. Model leveraged by Visa Consulting to support fee-based solution.
MastercardVice President of Product Development
Jan. 2015 - Dec. 2016New York City, New YorkMasterCard Digital Payments and Labs Team: Designed digital transformation roadmap for MasterCard API platform gateway, its developer portal, and internal API management tools. Evaluated internal and external platform developers, and tested proof of concept to ensure resources for new capabilities while maintaining enhancements to support MasterCard Digital Enablement Service and MasterPass.
MastercardVice President of Product Development
Jan. 2012 - Dec. 2015Purchase, New YorkMasterCard Digital Payments, Loyalty Solutions Team: Partnered with marketing and enterprise architecture to devise efficient, globally scalable digital Offers & Experiences ecosystem, leveraging capabilities of acquired Silicon Valley offers provider Truaxis.
*Launched Enterprise Offers Platform, designed to onboard, store, manage, and distribute offer content via API. Accountable for roadmap and direction. Managed core team of six and extended cross-functional team of 50+ including business, user experience, technology, and operations. Built for under $3M, new platform consolidated $60M offer spend across 26 platforms. Launch partner Priceless migrated programs for 43 cities in 56 dialects and 40 currencies. Developed opportunity to sell platform to major transportation provider and respond to RFP for global bank.
*Created Offers API beta program to test delivering a pool of 12,000 offers contracted from five providers. Initially marketed to internal and start up developers, it evolved to the enterprise platform.:
MastercardVice President of Product Development
Jan. 2008 - Dec. 2012Purchase, New YorkMasterCard Commercial Payments, Small & Medium Enterprises Team: Drove scale of global B2B2C small business value-added services to create loyalty for MasterCard. Led internal and external cross-functional teams of 30+, including business, user experience, technology, and operations.
*Developed strategic alliance with Seattle-based startup to develop and deliver innovative airline savings concept to market. Resulted in US market launch of MasterCard® PriceAssure™ product offered to consumers and small businesses via MasterCard card bank partners.
*Expanded scale and global footprint of MasterCard® Easy Savings™ loyalty program from one to four countries. Increased bank participation in US from 11% to 83% over two years by introducing tiered enrollment. Engaged customers with redesigned web site, email and mobile channels. Key metrics showed automatic merchant discounts resulted in 10-20% higher customer spend, engagement in up to three more categories, and repeat business.
*Defined key customer requirements to leverage technology from acquired partner Orbiscom. Resulted in design for inControl small business account management tool.
CitiVice President of Product Development
Jan. 2004 - Dec. 2008Long Island City, New YorkCitCards, CitiBusiness Team: Defined, developed, and launched initiatives to improve B2C small business card products and servicing. Led business, technology, and operations cross-functional teams of 40+ people.
*Saved $8M in annual processing costs by delivering card platform and service conversion from external provider TSYS to internal Citi platform. *Developed functionality for conversion among consumer and small business card products including four channels and reward/basic product types. Delivered $3.3M incremental EBIT over five years.
*Established product plan and resource support to drive engagement and loyalty for new Professional card product suite targeted to “small office/home office” segment. *Launched technical and operational readiness for five small business co-brand, rewards, and professional card products.
Group Health IncorporatedProduct Manager, Product Development
Jan. 2002 - Dec. 2003The Product Group: Led product development to relaunch and drive scale of B2B network leasing program at NY State health insurance provider.
*Recommended and obtained buy-in to break silos and establish cross-functional team infrastructure.
*Redesigned product Web module, revamped go-to-market sales strategy, and re-launched program with new team; revenue doubled in six months.
American Express, Consumer Card Services GroupSenior Product Marketing Manager
Jan. 1999 - Dec. 2002New York City, New YorkConsumer Card Services Group: Defined, developed, and launched initiatives to improve B2C consumer card products and servicing. Led business, technology, and operations cross-functional teams of 40+ people.
*Led conversion of two Visa/MC card portfolios to American Express. Completed first portfolio in 90 days with new platform provider TSYS.
*Re-launched Optima® credit card portfolio to implement risk-based pricing and stem product attrition. Delivered $93M incremental gross contribution over five years.
*Led retention program that saved $100M+ in card balances over one year. Created program extension that increased customer contacts 35% and saved $6M more.
Johnson & Johnson, Consumer Products Company, Skin CareAssistant Product Director
Jan. 1998 - Dec. 1999Skillman, NJConsumer Products Group: *Developed and launched Clean & Clear® pore-clearing facial care product with $3MM in projected sales. *Managed monthly brand forecast and competitive analysis across Clean & Clear®, then a $75 MM brand.with 18 products in five skin care segments.
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