Travis Credit Union

President and Chief Executive Officer

Braviant Holdings

🔸FinTech focused on empowering the underserved consumer to improve their credit and financial wellbeing. I had the great fortune to lead strategy, agile product/ platforms, operations, and marketing.

Chief Growth Officer

TCF Bank

🔸	Promoted to lead combined retail organization as part of transformational $3.6B merger of equal creating a $47B asset premier Midwest financial services company. 
➤ Led P&L performance, customer experience and value proposition delivery for $800M in revenue, 1.5M+ customers, 500+ sites and 3,000 team members.
➤ Increased depth of new customer relationships 4 percentage points by introducing integrated retail, business banking and wealth operating model leveraging new customer interaction routines and tools. 
➤ Announced and completed sale of new combined company to Huntington Bank for 12% premium and 150% tangible book value Q2 2021.

EVP, Retail Banking

🔸	 Transformed organization from 5-year loss of customers to consistent growth, while delivering improved pre-tax net income, customer net promoter scores, digital and analytic capabilities.     
➤ Led P&L performance for $400M in revenue, 1M+ customers, 300+ sites and 2,000 team members. In addition, led enterprise functions of marketing, customer experience and product.
➤ Launched breakthrough Fintech digital banking platform, resulting in a 4X exponential rise in customer utilization. while reducing go to market by 2X.
➤ Revamped marketing strategy, driving a 9% sales lift and 50% marketing efficiency.
➤ Increased customer relationships depth by 4-percentage points and net promoter score by 6-percentage points by launching new digital banking platform and omni channel interaction model.
➤ Developed customer segmentation and persona strategy including unique journeys, behavioral triggers, and next best action models to drive personalized experiences.

EVP, Community Banking, Product, Marketing and Customer Experience

Santander Bank, N.A.

🔸 Transformed a troubled organization, achieving $100MM in bottom-line impact while growing customer relationships, fixing operations, and launching new product and customer strategies. 
➤ Led customer and business strategy, new product development and P&L performance for $900MM in revenue, 1MM+ consumer and small business customers and 50+ team members.
➤ Launched a new mass market value proposition which out tested peer offerings in the marketplace and delivered a 5% lift in sales. Enhanced mass affluent strategy, delivering 7% increase in wallet share. 
➤Increased year-over-year business production by 6% percentage points driven by increased marketing effectiveness, refined pricing, and omni channel sales playbook.
➤ Closed critical competitive gaps in regional pricing, credit strategies, operational risk management, and simplified product line-up.

Managing Director, Retail Segments & Products

BMO Harris Bank

🔸 Revamped US payment strategy, while improving B2B sales by 66% percent, testing new emerging payment technologies, and reducing fulfillment cycle times.   
➤ Led U.S. retail payments business, new product development, operations, and P&L performance for $100M in revenue, 1MM consumer and small business customers and 30+ team members
➤ Revamped B2B strategy, swelling key referrals for two areas by 66%.
➤ Launched contactless debit card and developed multi-channel emerging payments strategy.
➤ Revamped sales partnership routines delivering 10 percentage point increase in sales.
➤ Developed multiyear strategy for newly acquired business, secured incremental technology funding that would generate $40MM incremental revenue.

Head, Consumer & Small Business Payment Product Management

🔸 Launched new product line up and revamped portfolio life cycle management achieving $40MM in benefit while completing $4B transformational merger.   
➤ Led product strategy, new product development, and P&L performance for $450MM in revenue, 1MM consumer and small business customers, and 14 team members.  
➤ Introduced new simplified product suite, which included co-branding partnership with Chicago Bulls and Blackhawks and enhanced portfolio life cycle management generating $40MM in benefit. 
➤ Led deposit and payment integration for $4B bank acquisition, included system integration of 500,000 customers, enabling overall company synergy of $250MM.

Head, Consumer & Small Business Deposit Product Management

Bank of America

🔸 Expanded life cycle of award-winning value proposition, while improving margin by $145MM.
➤ Led product strategy and P&L performance for $2B in revenue, 10MM customers.  
➤ Developed youth savings strategy, generating an incremental $10MM in balances
➤ Developed and implementing product promotion fulfillment solution that reduced operating expenses by $4MM while reducing operational risk.
➤Selected to participate in invite only forum to brainstorm innovative ways to help Americans save.

SVP, Senior Product Manager- Keep the Change® and Traditional Savings

Purpose focused consumer and small business executive with a track record of building, growing, and transforming businesses by developing strategy, products and experiences that drive bottom-line growth.

Experience Summary:
➤ P&L: $2B revenue, strategy through go to market execution 
➤ Product Lines: Deposits, payments, card, lending- consumer, small business, residential 
➤ Customer: Experience design, segmentation, marketing, eCommerce, community development
➤ Omni Access: Digital, store, phone, CRM 
➤ Enablers: Business development, partnerships, product, commercialization, operations, scrum/ six sigma, M&A
➤ Teams: Up to 3,000 across 500 locations 

Love to travel. Enjoy meeting people who are thinkers and doers. Feel free to say hello.

Taplio

Kevin Miller's Linkedin Analytics

Want to drive more opportunities from LinkedIn?

Taplio

.css-1jgreyo{background-image:linear-gradient(284deg, rgba(39,43,72,1) 0%, rgba(33,47,183,1) 100%);color:transparent;-webkit-background-clip:text;background-clip:text;}Kevin Miller's Linkedin Analytics

Want to drive more opportunities from LinkedIn?

Kevin Miller's Linkedin Analytics