Recent Projects

Opportunity & Scope/Result

Business Turnarounds

Generated $300 million in new capital by drafting and delivering a strategic plan for investors that highlighted the untapped upside opportunities through broadened product offerings and capitalized on underserved high-value market segments of a troubled $2 Billion Asset community bank.

Working with regulatory agencies, terminated regulatory compliance memorandum of understanding (MOU), and Consent Order within 18 months through the introduction and adoption of updated internal process and information security-related controls. Efforts included creating an effective ALCO (assets and liability committee) process, an information technology audit, and a compliance governance and reporting structure. Returned bank to profitability after losing more than $25 million in the prior three years. Developed an investment portfolio that generated 20% of the earnings while insulating the bank from interest rate risk. Introduced a new mortgage product for self-employed individuals that generated 20% of the loan growth for the bank. Rebranded the bank, created a new web portal for clients, and introduced remote deposit capture and mobile banking capabilities.

Efficiency Improvement

Identified and obtained a 30% decrease in branch delivery expenses realized by introducing staffing models, relationship pricing disciplines, and branch consolidation initiatives.

Streamline mortgage application and servicing platform driving 25% in fulfillment and support costs.


Identification and streamlining of redundant internal deposit operations and new account onboarding processes that reduced risk and costs by 15% within the first year of implementation.

Process redesign reduced loan turnaround and personnel costs by 20% for the top 3 mortgage originators in the Carolinas.

Strategic Planning

Increase in card production and debit interchange revenue of 20% in the first year attained by implementing a new rewards program that included selecting a new vendor to reintroduce the cards.

Innovative design of digital channel overhaul that included image capture, account aggregation, seamless foreign exchange (cross border transfer), and small business/personal online banking “full view” capabilities- drove a 22% increase in small business deposit growth within the first 12 months. 

Review and realignment of back office and front office resources resulting in a revenue increase of 20% (both interest and noninterest) with zero increase in overhead. 

Market Innovation

40% rise in product sales on a month-to-month basis realized by designing and launching a new retail and small business checking product suite; recognized by Forbes Magazine for an innovative approach in directing the development and implementation of sub-segment strategies for cross-border Canadian / US clients.

Risk Management

Introduction of Enterprise Risk Management program including policies, governance, and KRI aligned to size and complexity of bank’s specific profile, reducing regulatory burden while providing business and risk transparency to board and management oversight.

Review of commercial and treasury management operations with recommendations to improve non-credit risk policies and processes, reduce costs, and streamline servicing and onboarding flow while increasing revenue by 10% within the first year. 

Core Deposit Growth Strategy

Introduced consumer and commercial core deposit strategy driving $400 MM incremental growth in 6 months through targeting a low share of wallet and underserved clients with the cost of acquisition at less than $2 per thousand.

Assisted burgeoning <$500MM community bank client with developing core checking and savings business growth strategy that delivered 20% improvement in NIM and $50MM in new deposits within 9 months of engagement.  Efforts included a rewards program for clients, anchored with a meaningful incentive compensation program for both bank and commercial calling officer personnel.

Develop and redesign retail and commercial deposit core checking suite through understanding and alignment of strategic client segment types.  Upgrade of product suite increased the ability of bankers to understand client needs, provide compelling choices, and reward depth of relationship.

Introduction of innovative and unique core deposit products such as  Cash Management Checking, Rising Rate CD, and Stock Market CD products- designed to take advantage of the interest rate environment and provide a competitive advantage to larger market players.