An enterprising TOP FINANCE EXECUTIVE AND CORPORATE OFFICER with a

successful record of achievements in the following areas:

financial operations bank automation and electronic banking

financial and profit planning portfolio administration
it operations and implemetation cost reductions

Utilizes strong business acumen coupled with a vast understanding of

client needs and market trends to implement state-of-the-art
technologies. A creative leader and analytical thinker who makes
decisions to benefit the financial position of the company and obtain
lasting results.
KEY SKILLS
*
Nationally recognized as a strategic planning visionary with the
proven ability to select the correct people and organizational skills
to achieve bottom line results.
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Successfully blends financial, technical and operational knowledge
to achieve productivity and develop new products, including Internet
banking, check imaging and EBIDS projects with Federal Reserve and
NACA.
*
Served on several committees of Federal Reserve and NACHA.
*
Recognize for consistent quality improvements, expense reductions
and organizational service delivery efficiencies.

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Experienced teacher that has taught various seminars, courses and
classes for bank managers, supervisors, tellers and graduate
students.
CAREER HIGHLIGHTS
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Member of electronic banking/payment committee/retail banking,
operations security/technology committees at national and local
levels. Established EFT leadership in financial industry producing IT
exams and audit ratings of the highest magnitude in a consistent
manner for over 10 years.
*
 Managed large diverse organizations with multi-million dollar
operating and capital budgets with over 600 staff members.
Consistently improved productivity with old/new products and reduced
costs.
*
Capitalized on data processing expertise to establish charter and
license for a for-profit training company accredited at state and
federal levels. Conducted classes for middle and senior management on
all aspects of customer service, principles of organizational
behavior, planning and asset/expense controls.
*
Increased customer base through offering of superior customer
services including pay by phone, error resolution, real time cash
positioning, internet products, and telephone banking.
*
Recognized by vendors and Smithsonian Institute for technology in
retail banking for design/speed of implementation via Internet.
*
Planned and managed the conversion integration of a $1.5 million of
operations and data processing functions into parent company
structure with no service disruptions.
*
Strategically built and implemented corporate customer service
vision using advanced computer technology and training of people
placing organization in premier category within the finance industry.
*
Cited by external auditors and federal regulators in examinations
for excellence in strategic direction and implementation of data
processing and operating divisions.
*
Developed short term and long term organization strategic plans for
presentation to Board of Directors.
*
Co-designed new electronic debit bill pay product for NACHA and
Dollar Bank, now operational. Contributed to rewrite of NACHA rules
for product in conjunction with Federal Reserve Bank.
*
Managed tax-advantaged subsidiary and served as president, chief
operating officer and served on Board of Directors delivering
consistent bottom-line profits. Renegotiated major contracts
resulting in bottom-line savings in excess of $4 million.
*
Organized and led consulting division for commercial customers
offering new products to increase their financial position and
expanded the bank's customer base by 42%.
*
Chairman of combined committees of the ABA for 3 years and for
operations of annual conferences to support committees. Increased
attendance by 39% at the national level.
*
Converted IT division from Honeywell real-time processing to IBM
real-time processing with complete rewrite of products software.
*
Managed, planned, and designed construction of multimillion dollar
operations and computer center facility.
CAREER HISTORY
Dollar Bank, Pittsburgh, Pennsylvania
_Senior Vice President._ Managed data processing and operations
functions for $6,000,000,000 diversified financial services bank.
Elected to board of directors of two subsidiary companies.

Payment System Inc. Atlanta, Georgia

_Senior Consultant_ responsible for managing client engagements
nationwide involving specification and design of complex electronic
payment fund transfer systems, and financial operating systems.

Merchants National Bank, Topeka, Kansas

_Vice President for Financial Planning and Member of Executive
Committee_ with responsibility for strategic direction of multiple
lines and staff functions as well as long-range financial and profit
planning.

Republic National Bank of Texas, Dallas, Texas

_Administrative Vice President_ managing international operations
supporting $1,000,000,000 international loan portfolio.

Robert Morris Graduate Business School, Pittsburgh, Pennsylvania

_Adjunct Professor teaching graduate level courses and seminars to
MBA candidates._

EDUCATION
Southern Methodist University, Dallas, Texas
_M.B.A. with Concentrations in Finance and Organization Behavior_
Stephen F. Austin University, Nacogdoches, Texas
 _B.S., Pre-Medical, -Biology and -Chemistry, English_

military experience

United States Air Force

_Commissioned Officer,CB Warfare and Hospital Administrator_

professional development

Irving Trust Company, New York

_Graduate of Executive Training Program with assignment as
Administrative Officer and Special Assistant to Chairman of
Operations Services Division._
H & R Block
_Certified Tax Professional for preparation of tax returns._

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