Experience

Ciphertext Solutions, Inc.

• United States
• Financial Services
• 1 - 100 Employee

• Digital Product Owner/Customer Relationship Manager

  • Mar 2023 - Present

  As Product Officer and Relationship Manager of the CardNow Product, I am passionate about helping community financial institutions gain the competitive advantage with leading-edge digital solutions, the kind of top-tier services usually found only at larger institutions. Our digital solutions are defining a new industry standard for Financial Institutions – while reducing costs associated with routine customer service requests. Digitally issuing debit and credit cards is a fast, convenient, safe way to issue, receive, manage your payment cards through your Online or Mobile Banking application. Show less



Dakin Properties, LLC

• United States

• President – Real Estate Investor/Renovator/Operator

  • Aug 2018 - Sep 2023

  Real Estate investor, renovator and operator for a portfolio of residential real estate properties. Real Estate investor, renovator and operator for a portfolio of residential real estate properties.



Atlantic Union Bank

• United States
• Banking
• 700 & Above Employee

• Executive Vice President, Chief Digital Officer & Chief Enterprise Experience Officer

  • May 2019 - Sep 2022

  Architected a multiyear plan to transform the digital strategy for the Wholesale Bank, Consumer Bank, Home Lending, and Wealth lines of business. Developed an online application and underwriting portal for the Paycheck Protection Program (PPP) CARES Act in support of Small Business Customers. Launched the program within one week of PPP creation, resulting in the approval of desperately needed SBA loans and recognized in Forbes magazine for the early successful rollout of the program. Architected a multiyear plan to transform the digital strategy for the Wholesale Bank, Consumer Bank, Home Lending, and Wealth lines of business. Developed an online application and underwriting portal for the Paycheck Protection Program (PPP) CARES Act in support of Small Business Customers. Launched the program within one week of PPP creation, resulting in the approval of desperately needed SBA loans and recognized in Forbes magazine for the early successful rollout of the program.



Santander Bank, N.A.

• United States
• Banking
• 700 & Above Employee

• Senior Vice President, Chief Digital Officer, Consumer & Business Banking

  • Feb 2017 - May 2019

  Transformational leader for the Consumer and Business Banking organization, reforming the team to meet the digital user experiences of various Banking divisions. Led cross-functional groups, including internal and external technical teams, marketing, call center, and branch operations to successfully achieve business results. Created a strategic road map for line business leadership teams driving innovation, design, customer experience standards and best practices. Managed Digital Sales Program resulting in a redesigned Deposit Web Account Opening Application, which improved digital sales conversion rate by 40%. Show less



Citizens Bank

• United States
• Banking
• 1 - 100 Employee

• Senior Vice President, Head of Online Banking, Mobile Banking & ATM Strategy

  • Nov 2013 - Jan 2017

  Led Citizens Consumer Digital Banking Strategy team, which integrated experiences across Online Banking, Mobile Banking, and the ATM Channel. Managed a team of 20 Channel and Product Managers who defined, evangelized, and executed on digital strategy. P&L responsibility and yearly budget forecasting in excess of $30M annually.

• Vice President, Head of Mobile Banking Strategy

  • Oct 2012 - Aug 2015

  Developed and delivered mobile banking strategy across Retail and Small Business customer base exceeding 2.5 million customers. Expertise in creating highly usable, award winning, end-user mobile experiences. Led cross functional technology, project management, and service teams toward successful implementation of strategy. Manage key business drivers including channel contribution to P&L results improving organizational bottom line.

• Vice President, Online Marketing for Consumer Deposits & Digital Banking

  • Oct 2006 - Oct 2012

  Managed the web content and online marketing for the Consumer Bank Deposit Products including Digital Banking and Digital Online Sales.


Fiduciary Trust Company
• United States
• Financial Services
• 100 - 200 Employee
• VP, Senior Operations Officer | Senior Business System Analyst | Project Manager

  • Nov 1992 - Oct 2006