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 Expert  724479

Expert in Strategy and Creative Innovation: Global Payments and Financial Services


Available for your Consulting and Expert Witness Needs

California (CA)
USA
Education Work HistoryPublicationsConsulting Services Expert Witness Market Research

Summary of Expertise:

Listed with other top experts in: 

Expert has several decades' strategic management consulting experience. Previously, Expert was a Principal at top strategy consulting firm, Monitor Group (Michael Porter's firm), and a senior manager at top 5 strategic consulting firm A.T. Kearney. Expert is an expert at corporate strategy development and business unit strategy design. He has consulted to five of the top 10 financial institutions in the U.S. (Wells Fargo Bank, Bank of America, Capital One, Merrill Lynch, Countrywide) and top 3 banks in Hong Kong, Taiwan, China, Malaysia, Korea, and the Philippines. Additionally, Expert has consulted to the high tech sector (Cisco), Consumer Product sector, and internet sector. Expert leverages strategy development methodologies including market segmentation, segment profiling, brand aspiration positioning, competitor analysis, and value proposition design. Expert's project work has directly resulted in $500 million to $2 billion in tangible value for his clients.

Expert has led over 100 focus groups with consumers for a variety of financial services products such as credit cards and mortgage loans. Additionally, he has designed, managed, and analyzed a dozen surveys of 1,000+ face to face and telephone participants. Expert can analyze the information and draw out the insight and strategic relevance of the findings.

Expert has implemented business unit strategies around designing detailed value propositions, working with advertising agencies and product development groups to implement products and advertising, media planning, and managing marketing roll-out.

Expert has led a number of acquisition targeting and target due diligence assignments for top financial institutions. He is an expert in identifying target synergies, valuation, strategic option design, and maximum downside risk exposure determination.

Expert has designed advanced organization structures. Specifically, he has transitioned traditional product focused organizations to customer segment management matrixed organizations. Additionally, Expert has defined detailed job descriptions and success measures.

Expert has conducted detailed operational risk and market risk assessments for top tier financial institutions and implemented Enterprise Risk Management approaches. He is an expert at modeling gross risk and residual risk for key exposure areas.

Expert has been the acting CEO for two ongoing internet startups, one in the web analytics space, and the other in the online music space. Expert is an expert in understanding website traffic, return on marketing investment, and consumer behavior.

Expert has conducted operational and risk analysis of the full range of channels including: retail, wholesale, correspondent, internet, and call center for major financial institutions for a variety of products.

Expert has conducted process diagnostics and designed processes to align with new business strategies and brand positioning for top financial institutions in the U.S. and Asia. Additionally, Expert has designed internal controls to mitigate operational risk.

Expert has led branding and strategy projects for ING Life Insurance. He has done work on global and local country brands, strategy, and sales channel.

Expert has extensive experience in CRM strategy and systems and designed the CRM strategy for Countrywide for identifying and maximizing revenue opportunities. Additionally, Expert led the vendor selection which screened CRM solutions from Oracle and Seibel.

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corporate strategic planning

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gap analysis

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market assessment

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market forecasting

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market positioning

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marketing brand management

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strategic market planning

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financial modeling

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competitive intelligence

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Asia-Pacific market

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customer segmentation

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auto loan

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consumer demographics

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consumer survey

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credit card

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federal student loan

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home equity line of credit

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home equity loan

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loan underwriting

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loan valuation

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mortgage

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mortgage fraud

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mortgage lending

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mortgage loan

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new product market survey

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secured loan

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marketing communications

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new product design

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merger

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organization redesigning

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risk characterization

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risk management

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Internet commerce

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distribution channel

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business process re-engineering

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business re-engineering

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process assessment

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redesign process

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insurance

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business intelligence

Expert's work currently consists of mapping markets. He also frequently designs and executes strategy.

Expert builds unique fact bases. Additionally, he conducts strategic analyses on market and internal data that can identify segments, size, and growth. He conducts strategic analyses on competitive intensity. He also keenly understands value chain analysis, brand aspiration methodology, and tactical strategy design. He utilizes these assets to create an effective competitive strategy and build business case and financial model. Expert is unique as a published author. He possesses an expert understanding of strategy design methodologies. He has over 15 years' experience in practical application at both banks and global payments companies. He is capable of designing and implementing Enterprise Risk Management programs at a large Fortune 500 companies.

Background:

Expert has improved card and financial services competitiveness at top-tier strategic management consulting firms for leading bank executives in both the U.S. and Asia. He designed Expert's Firm's global cross-border eCommerce strategy and subsequently joined Expert's Firm to implement strategy worldwide. He has executed strategic initiatives, including: > digital wallet > V.me > Expert's Firm Checkout > digital goods and gaming > merchant payment > fraud and security

His expertise and methodology includes:

Strategy Design: Business Unit Strategy | Market Segmentation and Sizing | Market Entry Strategy Implementation: Capabilities & Enablers | Process | Organization |Technology | Metrics Tactical Strategy: Customer Research | Branding | Product Design | Implementation Process/Cost Improvement: Business Process Reengineering | Strategic Sourcing Risk: Enterprise Risk Management | Credit Risk Mgt

Expertise Domains/Other: Product Management | Expert's Firm | Stripe | Braintree | PayPal | Facebook | Messenger | Google Wallet | Adyen | Square | Global Collect | Ingenico | PAY.ON | MasterCard | Stripe Atlas | Stripe Connect | Stripe PayOuts | Contextual Commerce | Apple Pay | Bitcoin | Cross Border eCommerce | Amex | Amazon Payments | Wells Fargo | Bank of America | Gateway | Fraud | 3D Secure

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strategy

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strategy formulation

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strategy development

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ecommerce


Show Secondary and Basic Areas of Expertise
Localities:
Expert may consult nationally and internationally, and is also local to the following cities: San Jose, California;  San Francisco, California;  Sacramento, California;  Oakland, California;  Stockton, California;  Fremont, California;  Modesto, California;  Salinas, California;  Santa Rosa, California;  and Hayward, California.

Education:
Year   Degree   Subject   Institution  
1993   MBA   Finance   UCLA Anderson Graduate School of Management  
1988   BS   Computer Science   Columbia University Sch. of Expertineering & Applied Science  

Work History:
Years   Employer   Department   Title   Responsibilities

2014 to

 

(Undisclosed)

 

Solution Management (Two Platforms)

 

Director

 

Expert has conducted competitor pricing studies for fraud, gateway, and 3DS authenticated transactions. He has also structured solution portfolios for the design and implementation of metrics for performance monitoring, reporting and optimization of these two platforms' 15 core products, which include payment processing, fraud and security, value-added other products, and professional services. Major responsibilities also include alternative payments strategy and merchant research advisory services. In this capacity he sized the global Alternative Payments market and designed competitive strategy for the merchant solutions division.

2002 to

 

(Undisclosed)

 

Executive Management

 

CEO

 

Expert is the CEO of Expert's Firm. He leads business strategy, risk management, and operations projects for top banks and insurance companies in the U.S. and Asia. Topics include management consulting, and major clients included Wells Fargo Bank and PriceWaterhouse. He led Enterprise Risk Management assessment of loan operation centers nationwide. He also enacted major global credit card strategy design and acquisition for Bank of China. Another major client was Capital One.

2011 to 2014

 

(Undisclosed)

 

Product Strategy and Innovation: Two Platforms

 

Director

 

Expert designed entity strategy and business case, among a number of other aspects, of a game payments strategy system for the U.S. and Europe. Other major responsibilities included global eCommerce strategy design initiatives, as well as a digital wallet initiative.

2008 to 2011

 

(Undisclosed)

 

International eCommerce Payments and Logistics

 

Global Lead

 

Expert designed the business strategy for Global Cross-Border eCommerce. He implemented and negotiated strategic partnerships, as well as launched consumer cross-border logistics for 11 nations. He enabled top U.S. online retailers to expand their online channel by selling directly through international eCommere enablement partnerships the world over. Digital assets and strategic partnerships played a key role. Territory scope included Australia, Japan, South Korea, China, UK, Russia, Canada, Brazil, Mexico, India, and UAE. Other major responsibilities included a market share tracking study.

2001 to 2002

 

Monitor Group

 


 

Principal

 

Sell and deliver bank strategy design projects.

1995 to 2001

 

A.T. Kearney

 

Financial Institutions Group

 

Manager

 

Sell and deliver bank strategy design projects.

1988 to 1995

 

IBM

 

IBM Consulting Group

 

Consultant

 

Deliver process reengineering projects for Merrill Lynch.

Started as a software engineer in the Artificial Intelligence Division.


Publications:
Publications and Patents Summary

Expert has one patent pending.


Consulting Services:
Selected Consulting Examples:
  • Capital One / GreenPoint Mortgage / North Fork Bank: Conducted detailed analysis of product profitability for mortgage and home equity products. Developed highly accurate detailed scenario models showing maximum downside loss exposure due to current melt-down of the mortgage sector. Developed loss models showing the impact of declining collateral value on recoveries and profitability of the mortgage and home equity business. Determined hidden portfolio, operational, and market risk and built financial models for the mortgage & home equity division. Analyzed pricing and demonstrated that risk may not have been priced into all deals and that reserves based on past performance may not be adequate to cover future losses, going into a down market.For one of the fastest growing banks in the U.S.: Analyzed profitability of the mortgage and home equity business and determined reserve approach was inadequate to handle a declining market scenario. Implemented Enterprise Risk Management methodology at the bank and built an ERM organization.
  • Wells Fargo Bank: Conducted detailed review of risk management, operations, and internal controls for Home Equity product loan originations for the Consumer Credit Group in Wholesale, Correspondent, Retail, and Direct to Consumer internet channels.
  • Countrywide Home Loans, Wholesale Lending Division: Developed strategy for organically growing mortgage and home equity revenue from existing set of customers, for the prime and subprime business units.
  • Top 5 bank: Leverage bank data and custom FICO segmented credit bureau and association information for home equity loans, cash-out refinance, and credit cards to measure cannibalization. Developed strategy opportunity assessment for debit cards, auto finance, student loans, and private label banking.
  • Top 3 credit card issuer: Designed and implemented (built, negotiated with merchants, coordinated materials and contracts, launch, etc.) reward program for credit cardholders which offered benefits at: restaurants, luxury hotels, airlines, travel agencies, jewelry stores, department stores, shopping malls, other retail, spas, etc. Cardholders received discounts and complimentary VIP benefits. Developed lifestage/lifestyle credit card and consumer financial services strategy and implemented customer segment specific products. Sold integrated financial services through the credit card as the core hub product. Built and launched new credit cards into the market. Evaluated Expert's Firm, Mastercard, and Amex value proposition. Selected card brand. Improved credit card operations, call center, marketing, sales channel, risk management, and systems to enable launch of new products
Click the green button above to contact Expert for a free initial screening call regarding your expert consulting needs.  Expert is available for consulting to corporate, legal and government clients.  Remember, your initial screening call to speak with Expert is free.

Expert Witness:
Recent Litigation Client Requests:
  • Expert in Federal Student Loan repayment process.
Click the green button above to contact Expert for a free initial screening call regarding expert testimony, litigation consulting and support, forensic services, or any related expert witness services.  A few litigation needs include product liability, personal injury, economic loss, intellectual property (patent, trademark, trade secret, copyright), and insurance matters.  Remember, your initial screening call to speak with Expert is free.

International Experience:
Years   Country / Region   Summary
1995 to 2002   Greater China   Management consulting to top banks and insurance companies in Greater China (China, Hong Kong, Taiwan).
2002 to 2005   Malaysia, Singapore, Thailand   Management consulting to top banks and insurance companies.

Language Skills:
Foreign Language   Description
Chinese (Mandarin)   He is conversant in Chinese Mandarin.

Market Research:
Expert is CEO of Expert's Firm, a strategic management consulting firm for financial institutions. Expert has 14 years of management consulting experience and previously was with Monitor Group and A.T. Kearney. Expert is consider a leading expert in the U.S. on Alt-A mortgage loans, wholesale mortgage lending, and held-for sale mortgage loan originations for the secondary market and repurchase management. In addition, Expert is an expert on the credit card sector. Expert has served many of the top financial institutions and leading companies on strategic issues, including: Wells Fargo Bank, Bank of America, Countrywide, Capital One, Hyundai Capital, ING, First National Bank of Arizona, Bank of China, Chinatrust Commercial Bank, Development Bank of Singapore (DBS), Cisco, internet companies, and hedge funds.

Click the green button above to contact Expert for a free initial screening call regarding your marketing research, industry research, and company research needs.  For research needs involving multiple experts or secondary research, a Research Director can be assigned to coordinate the work into a custom report for you as a potentially quicker and more cost effective alternative to doing this work yourself or hiring a boutique consultancy.  Remember, your initial screening call to speak with Expert is free.

Additional Skills and Services:
Training/Seminars

Developed and delivers "CEO and Top Management's Strategy Development Training Course."

Developed and delivers training in Core Management Consulting Skills.

Supplier and Vendor Location and Selection

He has strong experience in sourcing and locating vendors & suppliers in the financial services sector.

Other Skills and Services

Expert's key skills include strategy, management consulting, strategic partnerships, eCommerce, financial modeling, payments and others.


 

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