Deposit Product Manager Resume Samples

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SS
S Schimmel
Santiago
Schimmel
54893 Wehner Shoals
Boston
MA
54893 Wehner Shoals
Boston
MA
Experience Experience
05/2015 – present
Los Angeles, CA
Senior Deposit Product Manager
Senior Deposit Product Manager
05/2015 – present
Los Angeles, CA
Senior Deposit Product Manager
05/2015 – present
  • Building seamless, quick and easy on boarding and application journeys for clients from all segments in all relevant channels
  • Collaborate with finance, treasury, compliance, legal, technology, branch, omnichannel, and marketing partners
  • Having a personal passion, and deep respect, for small businesses and their owners and taking an active interest, often seeking opportunities to spend time with them
  • Managing the breadth of levers and drivers on the P&L, are also wide and varied and therefore many ways to influence the returns - balances, net interest income, net interest margin, hedging, funds transfer
  • Identify product opportunities and risks, proactively develop product design enhancements, consumer educational materials or improved sales practices to minimize risk while maximizing the potential of the business line
  • Manage audit and compliance inquiries and regulatory change from governing bodies such as the Consumer Finance Protection Bureau (CFPB), Federal Deposit Insurance Corporation (FDIC), Office of the Comptroller of the Currency (OCC) and the Federal Reserve Board (FRB)
  • Translate data, facts, and figures into compelling business cases by crafting engaging presentations that generate impact
11/2010 – 02/2015
Detroit, MI
Small Business Deposit Product Manager
Small Business Deposit Product Manager
11/2010 – 02/2015
Detroit, MI
Small Business Deposit Product Manager
11/2010 – 02/2015
  • Own and manage your product backlog seeking iterative improvement and refinement of your products
  • Maintain effective grasp of the regulatory environment and changes affecting the consumer checking product line and related fees or services
  • Create and report on key portfolio metrics as well as ad hoc reporting on portfolio trends and related industry comparisons including competitive analysis of product, pricing, portfolio dynamics and promotional structures
  • Own and socialize your product roadmap with stakeholders and with leadership. Be the subject matter expert for your product, including its user interface, back end, performance metrics and system performance
  • Collaborate extensively with Finance partners in developing budgets, portfolio forecasting and analysis
  • Online Deposit Product Development
  • Provide vision and lead strategy for business deposit pricing in alignment with strategic priorities
05/2006 – 08/2010
Detroit, MI
Deposit Product Manager
Deposit Product Manager
05/2006 – 08/2010
Detroit, MI
Deposit Product Manager
05/2006 – 08/2010
  • Maintain, analyze and report on related industry competitive analysis for product, pricing, portfolio dynamics leveraging third party competitive data sources
  • Monitor competitor pricing, provide pricing strategy recommendations, and manage rate change process
  • Participates and has input on promotional, marketing, and communication programs on products
  • Monitor customer complaints, identify trends, and develop corresponding action plans
  • Maintain a pulse on consumer sentiment, competitor positioning, regulatory events, geopolitical themes, and monetary policy
  • Determines marketing and business segments' objectives and recommends strategies, including advertising, packaging, pricing, expense budgets, profit plans and future development of a specific product
  • Lead development of new products, refine existing products, and develop ideas that promote the growth of balances and optimize spread revenue
Education Education
Bachelor’s Degree in Related Field Required
Georgia State University
Bachelor’s Degree in Related Field Required
Skills Skills
  • Highly motivated and resourceful with an ability to work independently
  • Results oriented with strong ability to execute
  • Knowledge of U.S. Bancorp's values and culture
  • The ability to effectively communicate your ideas and feelings in a way that gets the maximum positive reaction from their audience
  • Strong product management, design, and development skills
  • Strong financial background as well as pricing and competitive analysis experience
  • Good communication and organizational skills
  • Strong financial and competitive analysis and computer skills
  • Analytical in nature with an eye for detail
  • Ability to lead through influence
Create a Resume
1

Senior Deposit Product Manager Resume Examples & Samples

  • Management and reporting of portfolio metrics
  • Maintaining Private Banking product and client configuration within banking systems and applications
  • Product and platform conversions and deconversions
  • Campaign and regulatory notification management
  • Development and management of all banking product collateral, disclosures and agreements
  • Product and product-related procedures training
  • Adherence to all policies, procedures, laws, and regulations
  • Bachelor’s degree preferred or equivalent work experience (10+ years in financial services)
  • Advanced product management and /or product development skills
  • Advanced knowledge of banking products and services (BMO Harris product knowledge a plus)
  • Advanced business and industry knowledge
  • Advanced knowledge of deposit and electronic banking regulations
  • BMO Banking application/systems knowledge strongly preferred
  • Strong negotiation, influencing, relationship building/management skills
2

Deposit Product Manager Resume Examples & Samples

  • Bachelors degree in related field required
  • Minimum of 5-8 years experience in consumer banking
  • Understanding of Retail Banking product development, design, and profitability is preferred
  • Influence management around customer impacts and critical design delivery
  • Cross functional team management
  • Ability to present overview, status and identified risks / mitigants at senior level
  • Ability to identify impacts of new technology to sales and service processes and customer interactions
  • Experience as a team member in large, complex, strategic cross-functional projects
  • Proven ability to partner with others to develop solutions to risks and issues; strong problem-solving skills
  • Ability to rationalize and work through organizational change
  • Ability to integrate perspectives of multiple stakeholders and align solutions across the franchise
3

Deposit Product Manager Resume Examples & Samples

  • 6 years experience in banking or financial industry and with 3 years experience in a supervisory role preferred
  • Experience in managing deposit portfolio or investment products is an advantage
  • Sound knowledge in regulatory requirement especially in Deposit Protection Scheme
  • Self-initiative, good communication, interpersonal skills and ability to motivate others, strong sense of compliance awareness
  • Sound knowledge in MS word / Excel / PowerPoint, Excel Macro or SAS programming is a definite advantage
4

Time Deposit Product Manager Resume Examples & Samples

  • Bachelors degree in related field required, MBA preferred
  • Minimum of 5-8 years’ experience in consumer banking
  • Influence management
  • Financial analysis; ability to understand p/l drivers and impacts
  • Demonstrated cross functional team leadership
  • Relationship management and collaboration in complex organization
  • Senior level presentation skills
  • Thought leadership in translating impacts of new technology to sales and service processes and customer interactions
  • Strong problem solving skills driving integration and alignment across multiple stakeholder perspectives
5

Deposit Product Manager Resume Examples & Samples

  • 10+ years of banking-related experience, with at least 3 years of product/ project/ finance management experience in financial services or related industry
  • Bachelor's Degree required. MBA preferred
  • Proven analytical and problem solving skills
  • Ability to self-manage multiple initiatives simultaneously
  • Strong verbal and written communication, as well as project management skills
  • Advanced level Microsoft Excel and PowerPoint efficiency
  • Knowledge of Retail Banking Systems and Operations
  • Comfortable with leading IT initiatives
6

Deposit Product Manager Resume Examples & Samples

  • Bachelor’s Degree in Business or Management, or equivalent retail experience required
  • MBA in Business or Marketing highly preferred
  • 5+ years of experience in financial services required
  • Regulatory compliance knowledge required
  • Strong knowledge of consumer and business deposit products and pricing strategies required
  • Experience with Cash Management products is preferred
  • Firm understanding of Microsoft Office applications required: Word, Excel, Access, and Power Point
  • Excellent communication skills, both written and verbal, a strong degree of flexibility and the ability to adapt to an ever changing list of priorities while providing excellent customer service required
  • Ability to work independently and utilizing a high degree of independent judgment based on knowledge of the Company, policies and procedures to make sound decisions required
  • Incumbent will be required to stand for intermittent periods of time
  • Incumbent may be required to sit for prolonged periods of time
  • Dexterity is mandatory as this job requires frequent use of hands and fingers
  • The incumbent will be required to walk, reach with hands and arms, push items overhead, occasionally climb or balance, stoop, kneel, crouch or crawl
  • The incumbent will also be required to talk, hear, see, read and write
  • This position requires regular lifting and moving of 10-25 lbs
  • Specific vision abilities required by this job include close vision, distance vision, depth perception and ability to adjust focus
  • This position requires adaptability, assessing, analyzing, calculating, dependability, memorizing, good judgment, stress control, prioritization, social skills and speaking
  • This position requires comprehension, organization, reasoning and decision-making, communication and mathematical ability
  • Incumbent must possess the capability to understand, remember, and apply oral and/or written instructions or other information, organize thoughts and ideas into understandable terminology, prioritization of own work schedule, apply common sense in performing job duties and making decisions which have impact on immediate work unit
  • Incumbent must be able to understand and follow basic instructions and guidelines, complete routine paperwork, use existing form letter and/or conduct routine oral communication, communicate with individuals using a telephone, hear and speak effectively on the telephone, express or exchange ideas by means of spoken word, communicate orally with others accurately and quickly, at an audible level that others can hear
  • Incumbent must also have the ability to count accurately and the ability to add, subtract, multiply, divide and record, balance and check results for accuracy
7

Small Business Deposit Product Manager Resume Examples & Samples

  • Actively manage portfolio growth and profitability of the business to achieve budget targets
  • Collaborate extensively with Finance partners in developing budgets, portfolio forecasting and analysis
  • Provide vision and lead strategy for business deposit pricing in alignment with strategic priorities
  • Build strong partnerships and lead teams cross functionally including Network, Marketing, Customer Experience, Call Center, Technology, Legal and Compliance to ensure timely delivery and successful execution of product management projects
  • Create and report on key portfolio metrics as well as ad hoc reporting on portfolio trends and related industry comparisons including competitive analysis of product, pricing, portfolio dynamics and promotional structures
  • Assess competitive landscape, industry trends and market demand as it relates to new products, services, pricing and fees
  • Promote effective and vigilant risk management
  • Maintain effective grasp of the regulatory environment and changes affecting the consumer checking product line and related fees or services
  • Ensure compliance with all relevant legal, compliance and regulatory standards and guidelines
  • Additional experience operational and regulatory environment
  • Track record of successful development and implementation of new products, product enhancements and operational capabilities
  • Advanced skill set within Microsoft Office applications (Word, Excel, PowerPoint) with emphasis on Microsoft Excel with respect to financial analysis and reporting as well as executive level PowerPoint presentations
  • Superior capabilities in executing customer-centric strategies and tactics for consumer deposit products and services while meeting challenging business objectives
  • Strong end-to-end product development and product management processes and disciplines
8

Deposit Product Manager Resume Examples & Samples

  • Produce analytics that drive new and enhanced, profit-based, deposit product strategies and actions to achieve the budget
  • Prepare thoughtful, factual, well-articulated business case development
  • Monitor key metrics and trends and identify risks and opportunities within the deposit portfolio
  • Construct product level production, balances, usage, revenue and attrition forecasts ensuring alignment with Finance
  • Maintain, analyze and report on related industry competitive analysis for product, pricing, portfolio dynamics leveraging third party competitive data sources
  • Scrutinize product conditions and policies as currently defined and provide recommendations and business case for changes
  • Ensure compliance with all relevant legal, compliance and regulatory standards and guidelines. Identify, mitigate and monitor risk issues
  • 5+ years of progressive growth of responsibilities in quantitative roles, including roles such as product development, portfolio management and Profit & Loss management
  • Advanced skill set within Microsoft Office applications including Word, Excel, and PowerPoint with emphasis on Microsoft Excel with respect to financial analysis and reporting as well as executive level PowerPoint presentations
  • Knowledge of query languages such as SQL and SAS
  • Strategic thinker and planner with demonstrated achievement in analytically-oriented environment
  • Ability to successfully develop data-driven strategies
  • Strong business acumen and financial aptitude; must be able to effectively and persuasively present data-driven decisions and strategies to non-technical audiences
  • Excellent verbal and written communication skills; ability to interact with all levels of senior management
9

Deposit Product Manager Resume Examples & Samples

  • Track, report, forecast, and plan deposit growth by product and consumer business lines
  • Perform analysis to understand the drivers of performance
  • Monitor competitor pricing, provide pricing strategy recommendations, and manage rate change process
  • Develop strategic recommendations based on key business drivers
  • Maintain a pulse on consumer sentiment, competitor positioning, regulatory events, geopolitical themes, and monetary policy
  • Lead development of new products, refine existing products, and develop ideas that promote the growth of balances and optimize spread revenue
  • Collaborate with finance, treasury, compliance, legal, technology, branch, omnichannel, and marketing partners
  • Translate data, facts, and figures into compelling business cases by crafting engaging presentations that generate impact
  • Interact with and present to senior management
  • Manage audit and compliance inquiries and regulatory change from governing bodies such as the Consumer Finance Protection Bureau (CFPB), Federal Deposit Insurance Corporation (FDIC), Office of the Comptroller of the Currency (OCC) and the Federal Reserve Board (FRB)
  • Identify product opportunities and risks, proactively develop product design enhancements, consumer educational materials or improved sales practices to minimize risk while maximizing the potential of the business line
  • Monitor customer complaints, identify trends, and develop corresponding action plans
  • Five to eight years of experience in product management or related field
  • Knowledge of U.S. Bancorp's values and culture
  • General knowledge of deposit product management, development, implementation, research, marketing, strategic analysis, banking operations, and the current regulatory environment
  • Strong financial background as well as pricing and competitive analysis experience
  • Results oriented with strong ability to execute
  • Possess a high level of learning agility
  • Analytical in nature with an eye for detail
  • Ability to lead through influence
  • Navigate uncertainty and proactively initiate change
  • Highly motivated and resourceful with an ability to work independently
  • Computer skills: Microsoft PowerPoint, Excel, Word
10

Deposit Product Manager Resume Examples & Samples

  • End to end deposit lifecycle, from Product strategy, product design and features, customer experiences, pricing and distribution
  • Managing the breadth of levers and drivers on the P&L, are also wide and varied and therefore many ways to influence the returns - balances, net interest income, net interest margin, hedging, funds transfer
  • Developing a comprehensive understanding of the market, customer needs and competitor activity to inform the development of a market leading proposition and product set
  • Building seamless, quick and easy on boarding and application journeys for clients from all segments in all relevant channels
  • Contributing to continuous optimisation of products, propositions and experiences – thereby increasing adoption, minimising complaints, maximising client satisfaction, and delivering active customer growth
  • Helping clients rapidly migrate from high cost / low convenience channels to seamless digital experiences
  • Being a top performing Product Manager, with ambition to progress, and therefore will be able to deputise for Line Managers frequently, having strong stakeholder management and problem solving skills
  • Being highly numerate with strong critical thinking skills and a keenness to develop an ability to structure data to find the optimum answers to a range of commercial problems
  • The ability to effectively communicate your ideas and feelings in a way that gets the maximum positive reaction from their audience
  • Having a personal passion, and deep respect, for small businesses and their owners and taking an active interest, often seeking opportunities to spend time with them
11

Small Business Deposit Product Manager Resume Examples & Samples

  • Identify Strategic Opportunities
  • Represent both the business and customer needs to identify strategic opportunities to improve and enhance the effectiveness of Consumer and Small Business deposit acquisition, retention, cross-sell and engagement across the PurePoint and Union Bank digital channels
  • Online Deposit Product Development
  • Build online deposit products and services that create value for our customers collaborating with a cross functional product team, including business and channel owners, researchers, user experience designers, developers, legal, compliance, brand, marketing and content editors
  • A Bachelor's degree or equivalent experience