John M. Zazzera SSMBB

*** ******* ***** ( Exton, PA 19341 610-***-**** (

abhjwt@r.postjobfree.com

Senior-Level 25 years Financial & Strategic Leadership

Operations/Technology

Results-oriented, hands-on Corporate Leader with proven track record of

developing effective leadership teams, completing turnarounds, innovation,

better ideas, and daily focus on excellence. Exceptional knowledge of

Commercial, Consumer, Investment Lending Services industries bringing full

product awareness and integration capabilities into identifying

opportunities, framing problems and executing solutions. Detail oriented

professional successful in developing business growth, while championing

organizational initiatives and consistently improving customer satisfaction

levels.

Scope of Excellence

( Transformational Strategic Leadership ( Global Operations Management of

Investment /Consumer /Commercial Operations ( Risk Management /

Regulatory Compliance ( Commercial / Consumer Product Management with

Staff Multiple Time Zones ( Cost Control Life Cycles

( Six Sigma Methodologies ( Commercial Operations- Re-Engineering &

Restructuring Processes (

( Crisis Management / Turnaround

Career Summary

Fifth Third Bank, (Cincinnati Ohio) ( 20011

Ohio Regional Bank-based operating in seventeen states with traditional

banking and International Banking.

Executive Head of Information technology / operations responsible for

Commercial, Consumer Credit, Risk Management and Transformation supporting

Commercial Banking, Small Business Lending and International Banking.

Head of Transformation with End to End initiative. Head of correction MOU

status with oversight of Commercial Re-engineering of People, Processes

Technology across Operations, IT, Credit, Operational Risk.

Royal Bank of Scotland - America, (Providence, RI) ( 2008-2011

Scotland-based international Banking Corporation providing traditional

banking and Investment Banking.

SVP, Commercial Loan Operations & Global Transaction Services

Executive Head of the activities of multiple cross-functional teams

including 20+ departments with 14 direct 1000+ FTEs across locations that

is responsible for supporting Commercial Loans and GTS Payment Deposit

Services. Led day to day operations teams with outstanding balance $65

Billion, 14,000 different revenue centers, 1,200 Branches and FTEs across

various global sites for Citizens Financial Group, Inc. Charter One Bank,

Mellon Bank Commercial and RBS subsidiaries. Business units included:

Leasing, Commercial Real Estate, Asset Back Lending, Corporate Accounting

and Small Business Lending, Technology Infrastructure, FX Retail Branch,

Commercial Card, Dealer Floor Plan, Cash Management, Treasury Services,

Enterprise Project Management and Client Customer Services. Departments

range from International Foreign Currency Dealer Floor Plan, Corporate

Funding to GTS Payments Technology to Operational Risk Compliance and

Shared Services Management. (GTS sites UK, Asia, India, and Dublin Ireland)

Core CLO sites NY, CT, MA, RI, PA, IL and Ohio) (GTS Global Board Member &

State Presidents Client Advisory Board)

. Met revised operating and financial objectives. In tough environment

grew operating earnings 6% above competitive benchmarks. Executed on

aggrieve SG&A reduction plan, primarily using Lean Six Sigma, to

generate a 20% reduction in operating expenses. Reduced working capital

requirements by 15% and restored cash flow to 100% of net earnings.

Re-Engineered and restructured all commercial loans processes from

past acquisitions while introducing straight through processing.

Integration included CEO dashboard, staffed metrics, improved SLAs and

KPIs. Implemented plug and play capacity model while consolidating

similar functions to a central operations site and correcting a major

failed BIC audit by Federal Reserve Bank and MOU status. Installed

Business Continuity Management Plans and restored a satisfactory rating

to corporate audit which failed in the areas of uncollected fees, data

integrity and wrong FRB codes.

. Built a highly skilled global enterprise operational team responsible

for understanding complex product processes and workflow requirements,

analyzing variances to core business capabilities and providing

solutions and recommendations to ensure efficient cycles.

Augmented share service fund operations and technology team in India

responsible for understanding complex client requirements, analyzing

variances to core business capabilities and providing solutions and

recommendations.

. Developed a comprehensive commercial middle office outlining roles

and responsibilities, policy and procedures with LOB shareholders and

interrogating technology and loan serving to create straight through

processes.

. Managed team through various prospective client " test" portfolios

intended to stress the firm's end to end operational procedures and

controls, as well as to validate client facing reporting capability.

. Member of Senior Management Team responsible for strategic business

planning, review and government agency relationships.

. Restructured and installed new management teams within following

departments: Analytic Decision Science, Global Corporate Accounting,

Bank Regulatory Reporting, Investigations, PMO, OTC, Client Services,

Call Center, Collections, Cash Management, Remittance, Lockbox, ACH,

Reconciliations and Investigations.

. Led Technology in creation of RFP and implementation of new $45

Million Loan Accounting Platform to replace Shaw with AFS and ACBS.

GE Global Bank Services, (Philadelphia, PA) ( 2006-2008

Newly created Investment and Regional Bank finance service division

providing full away of products

Senior Vice President, Client Enterprise Group & President Dealer

Financial Service

Senior operations/technology officer with co-responsibility for profit and

losses for three operating divisions: Enterprise Commercial, Capital Lease

Markets, Consumer / Investment Transaction Services. Led enterprise shared

services and information technology functions with $1.8B operating

expenses. Oversight included Commercial Managers, Operational Risk

Specialist, Product Specialists, Operations, Six Sigma representatives and

Middle Office.

. Key Executive in the development and execution of the company's go-

forward" business strategy-a paradigm shift from its primary focus to

regulatory approved Mid Atlantic Regional Bank. Led the development

of global target operating model, products and strategic technology

roadmaps.

. Collaborated with Division Presidents in the management of P&Ls to

drive outstanding business results; enabled stronger levels of growth

and customer retention of 6% and 93% respectively, reduced operating

expenses by $500MM ( recognized by American Society of Quality, and

Six Sigma)

. Changed out and refocused shared services on new improved service

level agreements and process flows which improved efficiencies across

all operating units. Headed Consumer Automotive Finance initiative

business and design, business-critical systems, applications which

was set to launch with regional bank.

Wells Fargo Bank (Philadelphia, PA) ( 2003-2006

Banking organization delivering various consumer and B2B financial

products.

Senior Director, Business Acquisitions, Head of Underwriting & Operational

Risk Management

Led all aspects of investment process, including Acquisitions,

Transformation, Underwriting and Risk.

Created a new corporate strategic business plan for product development

team. Led acquisitions, project managers, IT, credit underwriting and

operational risk management teams for indirect and direct branch services.

Led 250 professionals with 5 directs for Home Mortgage, Automotive, Credit

Card and Commercial Loan Products in North America & Canada.

. Played a key role in the successful integration nonprime operations,

consisting of 5,000 team-members operating from 20+ facilities across the

country on 2 separate systems

Developed a comprehensive multi-year business transformation strategy

which resulted in a 200% market share increase over a 2 year period, $7B

to $21B propelling the business unit from 7th market share position in

2004 to the 1st position in 2006.

. Identified significant opportunity in improving pricing granularity.

Championed a team-based overhaul of pricing segmentation across all

products, improving market share and net margins. Ensured efficiency and

effectiveness of home loan mortgage sales processes.

. Championed investments in customer segmentation and "test and learn"

capabilities. Assembled a team which successfully developed customer

profitability models and significantly expanded "test and learn"

capabilities, which were used to refocus resources, improve product

optimization time cycle and improve profitability at retail branches.

JPMorgan Chase (Garden City, Long Island, NY) ( 2001-2003

Global banking organization delivering various consumer and commercial and

investment products.

Vice President Originations Portfolio Manager & Marketing Retail

Communications

Chief Product Marketing Officer for BB Retail & Lease Product. ($4 Billion

in revenue and 275 employees) Responsible for residuals, pricing,

procurement, funding, fulfillment center, quality and product P&L,

lifecycles and marketing communications department. Led Call Center,

Operations, SOX, AML, Claims, Collections, and multi-state Customer Service

Centers. (Sites NY, NJ, PA, FL, MO, IL AZ)

. Led turnaround of the group business; restored growth above industry

levels, developed stronger product capability, improved branch service

levels. Raised income from 33M to $52M. Championed deal team concept

to formalize approval of new business opportunities for Retail.

. Used Six Sigma approaches to reduce expenses by $40M (9%), improving

ROE from 33.5% to 44.5%. Streamlined production, shifted resources to

align with strategic plan, and reduced insurance costs by 26%.

GE Financial Assurance, Capital Leasing Services (Wayne, PA) ( 1994-2001

Mid-Atlantic VP Managing Director Operations

Senior business-line profit and loss manager for self-sufficient $6 Billion

470-employees operating unit. Operations unit for Commercial Lending,

leasing and Investment products. Management consisted of various

departments including aspects of Product, Collections, Cash Applications

and Credit Risk and Payments. Responsibly comprise of the development and

implementation of comprehensive strategies and policies to ensure

maximization growth for unit.

. Led turnaround of the group's business; restored growth above

industry while developing stronger product capability, improved service

levels, reduced expense structure by 25%, and improved employees

satisfaction scores on quarterly surveys.

. Expanded company capabilities by building Disability and Workers

Compensation product offerings and executing on a National go-to-market

strategy.

. Increased net income by $93M between 1999 and 2001.

Prior GE Capital Corporate: ( 1988-1994 Graduate of Financial Management

Rotation Program Held positions: Corporate Audit Staff, Six Sigma Master

Quality Black Belt, GE Home Consumer Mortgages includes GM Operations, CIO

Technology Solutions, Merger & Acquisitions, Head of Commercial &

Consumer Risk & Corporate Governance. *Acquired Volvo Finance with M&A

Academic Credentials & Certifications

Master of Business Administration, Finance: Liberty

University 5/09

Advanced Organizational Leadership: Babson College 12/08

Bachelor of Arts, Finance: Saint Peters College, Jersey City, NJ

.Master Black Belt in Six Sigma 9/2009; Advanced Statistical Applications,

Risk Analysis & Methodology

. (General Electric) Auditor (CQA)

( Certified Risk Manager (RQM)

.Certified Project Management Professional

(PMP)

Past Affiliations: .Elected Chairperson to GE ELFUN Board on 6/01; Great

American Insurance Residual Committee Member . JPMorgan Chase Residual

Valve Insurance - Great American

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