Summary:
Financial Services Executive with proven success in consumer, small business and mortgage banking organizations with regional and super-regional financial institutions. Experienced at growing sales and profitability through customer focus, visionary leadership and innovation. Fluent in Spanish; extensive travel and residency in Latin America.
Areas of Expertise:
• Consumer Deposits • Small Business Deposits • Marketing Strategy
• Fee Income • Mortgage • Payments • Consumer Lending • P&L Ownership
• Advanced Analytics • Risk Management • Pricing • ALCO
• Bank Operations • Compliance
Selected Strengths:
- Aligning strategy, tactics, people and resources with customer and market data and taking decisive action.
- Leveraging customer insights to develop and introduce innovative new products and to optimize processes.
- Accelerating financial performance by using data to steer investment to the highest-return activities.
- Identifying and managing risk in an increasingly complex regulatory environment.
- Acquiring, developing and retaining top talent and leading teams to achieve breakthrough results.
- Designing and executing product, pricing and promotional initiatives.
Leadership Roles:
FIRST NIAGARA FINANCIAL GROUP, Buffalo, New York 2011 – 2015
SVP, Director of Retail Marketing
Directed consumer and small business deposit and marketing strategy. Created first customer personas beginning a culture shift toward customer centricity. Led targeting, acquisition, expansion and retention for consumer, small business and commercial customer segments. Led the Risk Controls Self Assessment process for Product Development and Marketing functions. Conceived and oversaw development of Customer Lifetime Value and Marketing Effectiveness models.
ASSOCIATED BANC-CORP, Milwaukee, Wisconsin 2010 – 2011
SVP, Director of Product Management
Led deposit strategy and new product development for $24B regional bank. Chaired pricing committee. Rolled out affluent programs capturing over 33% of eligible customers in 60 days.
PNC FINANCIAL SERVICES (National City), Cleveland, Ohio 2004 – 2010
SVP, Retail Deposits Group
Led consumer and small business deposit and payments strategy for $150B super-regional bank. Developed customer analytics and insights that produced 61% growth in accounts and 34% growth in balances. Built hyper-accurate account and balance forecasting system. Led the development of customer-centric suite of checking and savings products earning special recognition from the FDIC.
CITIZENS FINANCIAL GROUP (Charter One), Cleveland, Ohio 2001 – 2004
SVP, Payments
Led payments strategy and operations for $22B regional bank. Innovated first branded bank gift card and sold 50,000 the first year. Delighted customers with industry-first innovations including deferred debit, de-coupled debit, and the dual-routed “crebit” (hybrid credit /debit) card.
FIFTH THIRD BANCORP (Old Kent), Grand Rapids, Michigan 1992 – 2001
SVP, Director of Operations 1999 – 2001
Director of Operations for a $22B regional bank. Responsible for Proof/Capture, Float, Branch Operations, ATM/Card Operations, Day-2 Processing, CD/IRA Operations, Online Banking, Statement Rendering, Mail/Distribution, Warehouse/Purchasing and Transportation.
VP, Mortgage Lending 1996 – 1998
Created innovative alternate lending products based on customer research. Established and managed processing, underwriting, closing, post-closing, secondary marketing and servicing for product family. Built and led national sales network. Grew the division from startup to $1B in annual originations. Achieved #1 national sales growth ranking for five consecutive quarters.
VP, Corporate Banking Operations 1994 – 1996
Oversaw payments processing, balance reporting, cash management operations, float and transportation. Implemented first image-based process at the company (image wholesale lockbox system).
ACT Program (Accelerated Career Track) 1992 – 1994
Selected for Executive Development Program. Led strategic projects for CFO, CCO, COO and Vice Chair to learn Consumer Lending, Mortgage, Finance and Operations. Mentored for leadership by Vice Chair. Developed holding company planning and forecasting process. Innovated automated student loan processing system reducing customer application time by 80%–System was adopted by the State of Michigan as the required system for all lenders.
Contact information:
Alpine Jennings
Senior Financial Services Executive
alpinejennings@gmail.com
