Expert Details
Financial Institutions: Digital Transformation and Instant Payments
ID: 739406
South Carolina, USA
Expert is a distinguished thought leader with over 15 years in the financial services and payments industry, excels in driving innovation and secure solutions for global cross-functional teams. Leveraging a dynamic career with industry giants such as Bank of America, Wells Fargo, Visa, FIS Global, and LexisNexis Risk Solutions, she possesses a deep understanding of emerging payments, fraud, and identity.
Leadership
* Leading teams for more than 17 years up 45 people spanning all levels of authority including executive leadership
* Technical delivery expertise: Complex integrations, migrations/upgrades, omni-channel
* Mentor start-ups: business models, product development & lifecycle, fraud & risk analysis, go-to-market strategy
* Founded a payment professionals’ group connecting people and educating on emerging payment topics
* Founded a Women in Technology Employee Resource Group –speakers, technology training, mentoring, access to jobs
Product Strategy
* Full lifecycle product management including voice of customer research, competitive analysis, market segmentation, product strategy / definition, P&L, roadmaps, product launch, marketing, customer support, performance reporting, executive dashboards; omni-channel experience - online, call center, physical locations
* End-to-end-delivery of real-time payments managed service model for the US market, easing adoption and se
* Developed “go to market” plans for identity management products across regions (US/CAN, EU, LAC, CEMEA, AP)
* Deep technical project management expertise: complex integrations, migrations/upgrades, omni-channel
Innovation
* Delivered Real Time Payment infrastructure, partnering with financial institutions and fintechs to explore possibilities
* Built "Bank in a Box" repeatable, cost-effective solution to serve the needs of the underbanked
* Thought leadership for Biometrics, Authentication, Decentralized Identity, Digital Disruption, and Risk Solutions
* Developed framework inserting fraud & risk assessment early in product lifecycle for secure customer experiences
Functional Expertise:
As the current CEO of a FinTech Consulting firm, Expert specializes in guiding organizations to launch new products successfully. Her strategic leadership and stakeholder management expertise ensure seamless product launches aligned with business goals and growth objectives. Expert is a key contributor to the Faster Payments Council, providing subject matter expertise in Instant Payments Operations, Cross-Border, and Financial Inclusion work groups.
During her tenure at FIS Global, as Director and Product Line Manager, Expert orchestrated the go-to-market strategy and launch of Real-Time Payments infrastructure. She achieved remarkable success, securing customer commitments and generating $13.8MM in TCV through industry thought leader webinars.
As Principal Solutions Consultant at LexisNexis Risk Solutions, Expert designed cutting-edge fraud detection and prevention customer journeys, positioning herself as a thought leader and consultant to C-suite executives across industries. Her leadership extended to go-to-market partnerships for Identity Access Management and Verifiable Credential programs.
In her advisory role at CredPal, Expert provided strategic guidance to a rapidly growing alternative lending company addressing the unique needs of the Nigerian market.
Expert managed the global delivery of authentication solutions, providing thought leadership to executives across industries and advising on strategic approaches to leverage risk, identity, and authentication products in her role as Senior Director, North America Go-To-Market & Solutions
Expert held key roles as Head of Enterprise Authentication Strategy and Senior Product Manager, where she designed and delivered enterprise authentication frameworks and brought innovative solutions to market at Wells Fargo.
As Product Manager, Expert played a pivotal role in led the nation-wide launch of Bank of America's first "all-digital" checking product and also had responsibility for implementing channel and segment strategies for various products.
Functional Expertise:
• Product Strategy, Product Development, Product Launch
• Development and Management
• Go To Market
• Project & Change Management
• Program Management
• Sales training & support
• Sales and Marketing Enablement
• Customer support training
• Communications
Industry Expertise
• Go to for everything Instant & Real-time Payments
• Emerging Payment Innovations
• Digital Transformation
• Physical & Digital Identity SME fortifying against fraud (prevention & detection)
• Customer journey UX and Security (Onboarding, Login, Account Maintenance, Payments)
Education
| Year | Degree | Subject | Institution |
|---|---|---|---|
| Year: 2002 | Degree: MBA | Subject: Business | Institution: University of Pittsburgh, Katz Graduate School of Business |
Work History
| Years | Employer | Title | Department |
|---|---|---|---|
| Years: 2023 to Present | Employer: Undisclosed | Title: CEO | Department: |
Responsibilities:- Work with financial institutions on digital transformation and bringing new products and solutions to market.- Provide strategic guidance and frameworks to execute successful go-to-market strategies. - Expert in team leadership and stakeholder management, ensuring seamless product launches to meet business goals & drive growth. |
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| Years | Employer | Title | Department |
| Years: 2022 to 2023 | Employer: (Undisclosed) Global | Title: Director, Product Line Management | Department: Payments |
Responsibilities:Created & implemented go-to-market strategy & launch of Real-Time Payments infrastructure for this multinational financial services company. Among other achievements:- Partnered with sales team to achieve rapid customer commitment to meet delivery timetable. - Defined value prop; created marketing and sales material; designed implementation playbook. - Ensured successful certification of functional integration with The Clearing House. - Executed industry thought leader webinars to build client pipeline, achieving $13.8MM in TCV. - Collaborated with Agile work team to meet aggressive six-month on-time delivery deadline. |
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| Years | Employer | Title | Department |
| Years: 2019 to 2022 | Employer: LexisNexis Risk Solutions | Title: Principal Solutions Consultant | Department: |
Responsibilities:Design cutting-edge fraud detection and prevention customer journeys using digital and physical identity tools to mitigate risk exposure while providing best-in-class customer experience.- Thought leader and consultant to c-suite and senior leaders for digital identity risk. - Led sales and marketing go-to-market partnerships for Identity Access Management program. |
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| Years | Employer | Title | Department |
| Years: 2017 to 2019 | Employer: Visa | Title: Senior Director, Product Management, Risk & Identity Products, Go To Market | Department: |
Responsibilities:Managed global delivery of an ecosystem of authentication and risk solutions. Developed sales collateral and training, partnered with global product managers to regionally assess and localize go to market strategies.- Provided identity management, biometrics, and digital disruption thought leadership to hundreds of executives, stakeholders, vendors, partners across industries advising on strategic approaches to leverage a portfolio of risk, identity, authentication, and digital products into and across channels for a holistic omni-channel experience. - Advised senior leaders at more than 200 clients (financial institutions, processors, acquirers, merchants, FinTechs) on solutions for digital identity challenges and opportunities. - Developed go to market plan for newly launched authentication solution identified target segment, analyzed customer needs, developed collateral, trained sales, business partners, LOBs, and clients. - Partnered with global risk product managers to localize go-to-market strategy for each region |
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| Years | Employer | Title | Department |
| Years: 2016 to 2017 | Employer: Wells Fargo | Title: Head of Authentication Governance Program | Department: |
Responsibilities:Designed and delivered enterprise authentication framework to secure financial institution against fraud.- Designed an enterprise governance program to standardize authentication methods across products and channels, and enable implementation to reduce fraud and improve customer experience - Delivered human centered design web intake process, resource allocation & review, governance review boards, hooks into waterfall and agile project management processes, hooks into fraud project review - Led efforts to redefine orgs authentication policy, incorporating best practices from standards like FIDO & NIST |
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| Years | Employer | Title | Department |
| Years: 2012 to 2016 | Employer: Wells Fargo | Title: Senior Product Manager | Department: |
Responsibilities:Defined product vision and brought solutions to market for small business credit, digital payments, ecommerce.- Enabled business cards in mobile “Pay” wallets: Led tokenization, configuration, branding and contracting for successful launch of business cards in digital wallets (Apple Pay, Samsung Pay, Microsoft Pay). - Simplified and expanded digital experience for Card Program feature management. - Championed transformational solutions: alternative lending, virtual cards, mobile receipt capture, by building business cases, and socializing to build internal support and to acquire funding for project efforts. - Established product plan, roadmap, and key metrics for money transfer solutions for wealthy customers. - Doubled leads to Merchant Services online sales team through redesign of public website. |
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| Years | Employer | Title | Department |
| Years: 2006 to 2012 | Employer: Bank of America | Title: Product Manager | Department: |
Responsibilities:Channel and segment strategy for Home Equity, Ecommerce, Consumer Deposit and Credit products.- Introduced first new “all digital” checking product across ~6,000 banking centers and call centers, training more than 10,000 associates with full supporting customer and banker support materials. - Developed program management process, tools, and templates, providing clarity to project and resource status, accelerating time to market by more than 50% - Identified and delivered online banking cross-sales opportunity increasing online sales by 171%. - Optimized checking portfolio profitability by reducing fee waivers on new accounts (3-yr NPV of $88MM). |
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Career Accomplishments
| Associations / Societies |
|---|
| Project Management Institute International Management Consultant - USA Faster Payments Council |
| Licenses / Certifications |
|---|
| Project Management Professional 2005-Present |
| Professional Appointments |
|---|
| Faster Payments Council - Considerations for Instant and Immediate Payments Work Group Faster Payments Council - Cross-Border Payments Work Group |
| Medical / Professional |
|---|
| PMP - Project Management Professional |
| Publications and Patents Summary |
|---|
| Expert has presented in 3 industry panels. Her work has been published in 21 fintech consulting blogs and 14 additional LinkedIn blogs. Her blogs have been published via 3 additional data services organizations. |
Additional Experience
| Training / Seminars |
|---|
| Webinars: 2 Roundtables: 1 Virtual Conferences: 2 |
Language Skills
| Language | Proficiency |
|---|---|
| English | Native |
| French | Advanced |
| Spanish | Beginner |
Fields of Expertise
instant payments, real-time payments, Digital Transformation Strategy, Instant Payments Strategy, Real-Time Payments Strategy, digital transformation, new product development, product management, program management, Communication and Relationship Management, Consulting, business leadership, leadership, technical leadership, financial service, Product development, business innovation, innovation, Fintech, Payments