C.

SUE BROWN
Fort Worth, Texas 76137 817-657-6244
cb6a15aa@westpost.net
Solid record of achievement gained through the global-international exposure of
JP Morgan Chase, the sophistication of Fortune 500 Citizens Banking Corporation
and the entrepreneurial zeal of smaller companies. Developed innovative products
and programs, achieving high customer demand while producing revenue gains. Int
uitive eye for what will sell and bottom line profits.
* Saved $120,000 annually, executing 1st ever regulatory notification via mass d
irect e-mail to over 75,000 merchants
* Standardized Small Business loan products to achieve 3-day approvals
* Competitive review of Home Equity Product Line resulted in 90, 100 & 110% LTV'
s for increased market appeal
Key Skills: Excellent visionary tactician and conceptual/strategic thinker. Exce
ptional listener and team player. Very positive, versatile and upbeat - gives 10
0%. Extremely loyal. High achiever, self-motivated and persistent. Strong writte
n and verbal communicator. Decisive and wins cooperation at all levels.
SELECTED ACCOMPLISHMENTS
Saved $120,000 annually, executing 1st ever regulatory notification via mass dir
ect e-mail to over 75,000 merchants.
Executed the first mass direct e-mail regulatory notification to over 75,000 mer
chants, utilizing 8 different letters as well as a concurrent mailing of over 60
,000 pieces by U.S. mail. Saved the company over $120,000 annually in postage an
d processing costs.
Standardized Small Business loan products to achieve 3-day approvals. All types
of business loans were processed the same way, often taking weeks due to the due
diligence required for each unique loan. Efficiencies were gained by categorizi
ng the loans, by collateral type and standardizing processing fees, which allowe
d an automated decisions process to be developed. This improved process signific
antly accelerated approval and reduced documentation time lines.
Competitive review of Home Equity Product Line resulted in 90, 100 & 110% LTV's
for increased market appeal. The 80% LTV Home Equity Product Line had become mat
ure in its lifecycle having reached it saturation point for new loans. Through a
competitive review of the product line and market conditions the product was re
-engineered to offer LTV's above 80% and to add the availability of an "Access
Card" for ease of use. Risk to the organization was reduced via third party insu
rance.
EXPERIENCE
JP Morgan Chase, Chase Paymentech (merchant acquirer/processor), Dallas, TX
June 2006 - March 2010
Marketing Director, Payment Relations & External Communications, 1/10 - 3/10
Assigned to the marketing department, to utilize payment brand knowledge to impr
ove external communications as well as be a resource within the department for i
nterpretation of global credit card acquiring rules and regulations. Retained al
l responsibilities of previous position and tasked with writing all external com
munications.
* Successfully produced 20+ external communications along with 90+ internal paym
ent brand announcements within a 2-month time period
* Saved the company over $120,000 annually in postage and processing costs by ex
ecuting the first ever, mass e-mail regulatory notification to over 75,000 merch
ants, utilizing 8 different letter types as well as organizing a concurrent hard
mailing of over 60,000 pieces
Payment Relations, Marketing & Education Director, 6/06 - 12/10
Responsible for building the relationship along with being the primary liaison w
ith the card companies (Visa, MasterCard, American Express, Discover and JCB) as
well as the debit network payment providers (Maestro, Interlink, Star, NYCE, Pu
lse) for communication and education on a global basis. Communication to all int
ernal audiences pertained to the many products or service changes, system requir
ements, marketing initiatives or changes in industry rules and regulations. Crea
tion of the new division and development of all communication channels including
webinars and intranet sites.
* Creation of internal and external branding for the division and external merch
ant release communications
* Creation and maintenance of three separate Web sites containing Payment Brand
interchange and acceptance management reference/training documents for the U.S.,
Canada and Europe
* Successfully lobbied and achieved national exposure from the Card Companies an
d issuers for our merchants, through Visa and MasterCard advertising and selecti
ve issuer promotions
* Produced and distributed over 500 internal credit card compliance communicatio
ns annually
TD Ameritrade (formerly TD Waterhouse), Fort Worth, TX
December 2005 - June 2006
NYCE Registered Representative, Trader, 12/05 - 6/06
Assist clients in buying and selling stocks including options, bonds and mutual
funds. Deal with high value clients, day-traders and clients in a "call position
" which could be one or all of the following: house, federal or NYCE from a risk
management perspective. Former holder of Series 7 & 66 license's.
* Offered promotion to Mutual Fund Liaison and PCS (Private Client Services) wit
hin 7 months of hire
OmniAmerican Credit Union, Fort Worth, TX
June 2003 - January 2005
Vice President, Marketing, 6/03 - 1/05
Driving force to achieve revenue goals by utilizing effective strategic marketin
g techniques for an aggressive credit union with assets under management of $1.5
billion and a 7 county span of community based charters, 16 full service locati
ons, over 1600 Select Employer Groups (SEGs) and 238,000 members primarily in th
e Dallas/Fort Worth Metroplex. Responsibilities include management, direction an
d oversight for a fully disciplined, in-house marketing, advertising and communi
ty/member relation's team of 18, with a $1.9 million budget. Functional responsi
bilities include the planning, organizing, evaluation and recommendation of init
iatives, both traditional and non-traditional (Internet, intranet, CRM, e-market
ing) forms of marketing. Specific achievements include:
* Product & pricing analysis/initiatives resulting in $3.18 million in new incre
mental revenue
* Among key facilitators in achieving highest core deposit growth (25%) in the o
rganizations history
* Computer system conversion ~ key player, selection team; team lead for product
development & communications (implemented 14 software applications in a 9-month
period)
* Restructure of product line/offering/strategy via competitive research analysi
s
* Marketing/advertising campaigns all returning ROI's well over break-even
* Oversight for business development team who increased deposit penetration in S
EGs by over 70%
Citizens Banking Corporation (formerly CB Financial Corporation), Flint, MI
November 1995 - May 2003
Vice President, Corporate Product Manager, 5/01 - 5/03
Vice President, Corporate Retail Product Manager, 4/99 - 5/01
Hired as assistant vice president in April of 1999 and promoted to vice presiden
t in January of 2000.
Same responsibilities as above, except for retail product line only, facilitated
efforts with the support of an assistant product manager and product specialist
.
Responsible for the development, implementation and management of the corporatio
n's mass market bank products including all retail, small business and commercia
l products as well as insurance, card products, IRA's and consumer loans for an
$8 billion multi-state bank holding company (Michigan, Illinois, Wisconsin and I
owa). Accomplished through the management and direction of a team of 5 product s
pecialists, the development, design and maintenance of new and existing products
, which maximized profitability and meet client needs. Functions included but we
re not limited to research, compliance, project management, systems coordination
, corporate interest rates, marketing initiatives and approval of all retail cam
paigns, communication of sales initiatives, fee analyses and pricing recommendat
ions. Additional responsibilities included seeking new sources of income or expe
nse reduction, development of corporate retail deposit and loan budget as well a
s initiatives to support growth projections. Proficient in project management, p
roduct mapping and compliance communication as it relates to conversions. Specif
ic achievements include:
* Creation & implementation of 45 new or enhanced products; identification & imp
lementation of 17 revenue enhancements or cost reduction initiatives generating
$14.9 million in new incremental income
* Mapping of retail product line for 26 separate banks, setting product pricing
as well as identifying all compliance related communication for each conversion
at 6-week intervals
* Identification & implementation of tracking program for "Waived CD Penalties"
increased collection by $3.5 million annually
* Competitive review of Home Equity Product Line resulted in 90, 100 & 110% LTV'
s for increased market appeal
Assistant Vice President, Regional Retail Sales Manager, 6/98 - 4/99
Responsible for overseeing the retail sales activities for 13 branch offices; wi
th 18 direct reports for a $400 million dollar regional bank. Accountable for re
tail deposit, consumer loan, and small business loan growth to accomplish attain
ment of yearly goals. Duties specifically included directing, coaching and train
ing the sales efforts of personal bankers as it relates to meeting specific bran
ch goals, while achieving regional bank objectives. Implemented individual sales
activity and referral goals for frontline staff. Mohr sales assessment/deployme
nt, core competencies, personal banker strategy and weekly branch sales team mee
tings. Additional responsibilities included retail budgeting, goal setting and p
lanning in addition to setting weekly retail market interest rates. Employee hir
ing, performance appraisals, promotions and salary increases, resolving difficul
t client issues as well as representing the bank in various civic activities.
Marketing Officer, 1997 - 6/98
Marketing Communications Manager, 11/1995 - 1007
Republic Bank, Republic Bancorp Mortgage, Jackson, MI, 1978 - 1994
VP, Corporate Marketing; AVP, Sales & Marketing; Sales Officer, Service Product
s Division; Business Development Officer; Administrative Officer, Sales Manager;
Customer Service Specialist; Branch Manager; Internal Auditor; Teller Trainer;
Proof Operator/Teller.
EDUCATION / TRAINING / HONORS
Education:
MBA, Spring Arbor University ~ GPA 3.91
BA, Business Administration, Spring Arbor University ~ GPA 4.0
Former holder of Series 7 & 66 licenses
Former holder Texas Life & Health License
Training:
Business Development
Deposit and Loan Systems
Harland MCIF System
Metavante Systems
Open Solutions Systems
Process Improvement
Sales, Service & Leadership Management
Microsoft Office ~ Word, Excel, PowerPoint, FrontPage (HTML), Outlook
Honors:
Texas Credit Union League awards for marketing
OmniAmerican Credit Union branding campaign featured in Financial Advertisers
Review (National Publication)
Several advertisements picked up for showcase at national level publication in
Financial Advertisers