2004-2023 Consulting Accomplishments:

• Successfully complete consulting projects for over 40 financial institutions

• Assisted in the restructuring of several financial institutions, including

  • Re-design of the organization and staffing of most branch and back office functions

  • Conversions of data processing and item processing platforms

  • Implementation of totally restructured deposit products, including all customer correspondence, employee training, and system modifications

  • Product Income Improvement — $130 million (3-year impact)

  • Personally assisted in the implementation of over $90 million in earnings improvements

  • Re-design of cash letter clearing, including Check 21 opportunities

  • Developed the most sophisticated technology cost comparison system in the consulting business

    • Used as the primary financial tool for the contract negotiation of over $250 million in technology cost saves since 2012

Management Background/Accomplishments: 

2010-2012 SVP and Director, Bank Operations — Bank of Internet

• Launched multiple Internet banking brands and products — Both business and personal

• Developed several major product systems, including online call center and account opening systems

• Redesigned all financial and general ledger systems

2009-2010 Chief Financial Officer — Affinity Financial Corporation

• Consolidated all operations into the California headquarters

• Managed all Internet banking brands and products

2002-2004 Manager, Technology and Production — All Direct Mail Services, North Hollywood, CA

• Restructured Data Processing operations while managing day-to-day production

  • Decreased operating expenses by 30% while increasing the quality and quantity of work

  • Introduced new products and equipment contributing to a 70% increase in income

1997-2002 Chief Operating Officer – BancData Solutions, Lancaster, CA

• Managed all operations of a data processing and item processing facility responsible for 25 banks

  • Implemented check imaging for 25 banks (Converted 20 banks in 15 days)

  • Converted 12 banks onto to the Jack Henry BDS data processing platform

  • Assisted with the opening of several de novo banks and branches

  • Successfully moved all functions to new locations with no customer downtime

1988-1997 VP, Management Information Systems – Monarch Bank, Laguna Niguel, CA

• Managed all Data Processing, Back Office, and Accounting operations

  • Maintained in-house Data Processing, including all networking operations

  • Developed the most successful accounts receivable / lockbox product in their market, designed specifically for Home Owners Associations (HOA’s)

  • Provided Data and Item Processing services for two other financial institutions

  • Successfully converted the bank to a new processing environment when the bank was acquired