Alliances & Partnerships
Co-branding;
Loyalty & Rewards Programmes;
Strategic Alliances & Co-operative Models
Channels
ATMs;
Branches & Stores;
Contact Centres;
External Services;
Third Party Sellers
Commercial/Retail Products & Services
Cards;
Credit Products;
Customer Incentives;
Deposits;
Insurance;
Investments;
Merchant Services;
Payments
Enterprise Management & Operational Processes
Business Continuity Planning;
Business Line Profitability;
Change Management;
Communications & Content Strategy;
Enterprise Governance;
Process Optimization;
Programme/Project Management;
Sales & Service;
Shared Services;
Supply Chain Optimization;
Transformational Strategy
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Banking – Global Top 50 – Scotiabank
Sales & Service
- Led implementation of the end to end re-engineering program to enhance delivery of the retail sales and service disciplines and productivity across the Caribbean
- Established external sales teams in St Lucia, Belize, Guyana, and Barbados and enhanced existing external sales force delivery platforms in Trinidad and Tobago and Jamaica.
- Led a network of 18 branches and 582 staff in the Bahamas . Exceeded sales goals by 50%. Created central collection unit and reduced delinquency by 10%.
- In Trinidad & Tobago, led 24 retail branches, 3 sales centres, external sales force of 25, and a life insurance company of 25 (total staff 800). Exceeded goals—deposits by 19% and retail loans by 58% with focus on higher yielding assets such as credit cards and auto loans.
Operations
- Led the internal Trinidad & Tobago bank including centralized processing support center, real estate, human resources and training programs, finance and treasury, security and investigation, administration, special projects, data center operations, call center operations, etc.
- In-country assignments included Haiti, Antigua, Barbados, US Virgin Islands, and Jamaica.
- Head Office assignments include Commercial Credit Risk Management, Internal Audit., Branch Operations and Sales & Marketing
Finance & Treasury
Asset/Liability Management; Balance Sheet Management; Capital & Expense Management; Customer & Product Profitability; Financial Crisis Recovery Planning; Liquidity Management; Market Risk Management
Mergers, Acquisitions & Integration
Channel Integration; Customer Retention; Due Diligence; Product Integration
Payment Systems
Payments Governance Structure
Risk & Compliance
AML, CFT, KYC; Capital & Liquidity Adequacy; Credit Risk; Fraud & Security; Monitoring & Reporting; Risk Management
Teaching & Training
1-5 Day Intensives; Individual or Small Group Coaching; Manuals & Toolkits; Seminars