Management Manager

MICHAEL P. LYDON, MBA

**** ******* ***** *****

614-***-**** - Cell

Hilliard, Ohio 43026

*********@*****.***

Highly motivated corporate financial specialist with a progressive career

in corporate treasury, financial planning and analysis, cash management,

institutional trust, investments and insurance. Proven expertise in

forecasting, quantitative analysis, global product management, cross-

functional team building, risk-based consulting, new product development,

and relationship management. Additional experiences include developing

and/or evaluating new financial products, pricing models, bank transfer

pricing, investments, merger/acquisition valuations and economic value of

equity (EVE).

SUMMARY OF ACHIEVEMENTS

. Directed an asset/liability management conversion team responsible

for compiling the interest rate risk assessment processes of the

merged Chase Manhattan Bank and Chemical Bank

. Implemented QRM, an asset/liability interest rate risk management

tool, at Huntington National Bank and hired an entire staff of

analysts while acting as an interim manager of the bank's

asset/liability management team

. Uncovered incorrect deposit pricing factors in the due diligence

data while modeling merger/acquisition information that resulted in

a $25 million reduction from the originally negotiated acquisition

premium

. Travelled domestically and internationally providing expert knowledge

to finance executives, bank sales staff and relationship managers on

JPMorgan Chase's global US$ treasury management products resulting in

increased liquidity management revenues by 60% in one year -- to $42

million from $26 million

. Reinvigorated a declining institutional trust custody business by

hiring a new management team, starting an agent securities lending

program and expanding the public entity custody business -- which

brought about a 55% increase in assets held; a 63% increase in

revenue; and a 124% increase in net income over 24 months

PROFESSIONAL EXPERIENCE

NORTHWESTERN MUTUAL FINANCIAL NETWORK July 2008 to

present

Columbus, Ohio

Financial Advisor - Promote insurance, investments, retirement and estate

preservation products and services.

MEEDER FINANCIAL, INC

2005 to 2008

Dublin, Ohio

Director - Investment Management & Retirement Plans Client Services and

Business Development

HUNTINGTON BANCSHARES

1997 to 2005

Columbus, Ohio

Vice President/Product Manager - Institutional Trust Custody & Securities

Lending (2003 - 2005)

Vice President/Product Manager - Securities Lending & Mutual Fund Custody

(2000 - 2003)

Treasury Section Manager/Consultant - Asset/Liability Management & Internal

Treasury Consulting (1997 - 2000)

JP MORGAN / CHASE

1991 to 1997

New York, New York

Assistant Vice President/Product Manager - Liquidity Management Services

(1996 to 1997)

Assistant Vice President - Corporate Treasury Asset/Liability Management

(1991 to 1996)

ACADEMIC BACKGROUND

. New York University - Leonard N. Stern School of Business, MBA, 1997

(Finance, Economics, Int'l Business)

. Ohio University - BBA, 1991 (Management, Finance, Business Pre-law)

. Franklin University - Adjunct Professor, July 2009 to present (MBA

Finance Courses)

. Licenses & Registrations - Series 6, 63, 65 & 7; Ohio Life, Health,

Annuities and Long Term Care Insurance

Michael P. Lydon - Page 2

NORTHWESTERN MUTUAL FINANCIAL NETWORK July 2008 to

present

Direct the sale of insurance, retirement plan services, investment

management portfolios and mutual funds.

MEEDER FINANCIAL, INC

2005 to 2008

Directed the sale of investment management portfolios, retirement plan

services and mutual funds.

. Developed and executed a business development strategy that added over

$100 million in assets under management by addressing key markets

including individuals, retirement plans and institutional portfolios

. Improved the client retention ratio to 95% by promoting an approach that

centered on multiple client touches throughout the year including regular

portfolio reviews and an organized fiduciary review for retirement plans

HUNTINGTON BANCSHARES

1997 to 2005

Institutional Trust Custody/Securities Lending - Directed product

development, generated sales and managed four teams of managers,

administrators and operations personnel providing clients with custody and

securities lending services.

. Organized trust teams dedicated to specific market segments including

private and public pension plans, mutual and hedge funds, securities

lending and registered investment advisors/insurance.

. Managed the business plan design, development and marketing of two new,

highly successful bank products, mutual fund & hedge fund custody and

agent securities lending

. Built an agent securities lending program that worked with multiple

lending agents and global sub-custodians by hiring and training a highly

skilled team of operation and trust administrators.

Asset/Liability Management/Internal Treasury Consultant - Coordinated the

development and implementation of strategic projects related to new product

development and risk assessment.

. Recruited, hired and trained a completely new staff of four quantitative

analysts responsible for the forecasting models used to report net

interest income risk to the executive asset/liability management

committee

. Implemented an automated program of pushing the corporate planning

process through economic forecasting models to test balance sheet

projections, earnings at risk and pricing assumptions

. Performed a quantitative study of over 1.5 million households assessing

retail customer profitability and recommended product enhancements,

strategic elimination of products and key marketing relationships

. Validated the mortgage servicing and loan securitization valuation models

enhancing risk measures and pool criteria

JP MORGAN / CHASE

1991 to 1997

Fixed Income and Liquidity Management Services -- Managed the maintenance

and pricing of cash management investment products earning $42 million in

annual revenue.

. Supported sales efforts by traveling globally whenever clients required

explicit product knowledge

. Led the migration of Chemical Bank customers' investment cash management

accounts to the Chase investment system to eliminate duplication of back

office operations

Corporate Treasury - Asset/Liability Management -- Responsible for

forecasting, analyzing and communicating the Corporation's interest rate

risk using complex models and customer data. Primary responsibilities

included fixed income investments, derivatives, commercial loans, deposits

and debt.

. Presented proprietary interest rate sensitivity studies on bank demand

deposits to the Office of the Comptroller of the Currency and the Federal

Reserve

. Incorporated dynamic pricing and volume sensitivities relative to

interest rates in the model assumptions

. Redesigned interest rate risk assessment reports for executive management

to include results from interest rate shocks, twists and Monte Carlo

simulations

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