Norm Fletcher, MBA

abn3nq@r.postjobfree.com

905-***-****

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PROFILE

Experienced finance leader with over 20 years of extensive hands-on

experience in financial management, accounting operations, and business

leadership. Highly effective and well-respected leader who is regarded for

an entrepreneurial approach, honesty, integrity, and high ethical

standards.

Core competencies:

P&L management Controllership & accounting Organizational leadership

operations

Strategic business planning Financial analysis & Leading and developing

reporting team's

Profitability & cost Global matrix management Business process improvement

management

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PROFESSIONAL EXPERIENCE

President's Choice Financial and Services

January 2009 to October 2012

President's Choice Financial and Services is a wholly owned subsidiary of

Loblaw Companies Limited. Operating in the MasterCard, Core banking,

Insurance, PC Telecom, and Gift card segments.

Director, Finance Operations

Reporting directly to the CFO and leading an accounting operations team of

7. Responsible for the integrity of financial information and systems for

five business units while ensuring compliance with GAAP/IFRS, company

policy, regulatory requirements, and ensuring an appropriate control

environment is maintained.

. Overhauled and professionalized the team. Developed discipline, increased

job knowledge, and strengthened controls. Coached, mentored, and led team

to ensure accurate processing of transactions and reporting.

. Key contributor to the successful implementation of SAP. General Ledger

and Accounts Payable applications were implemented with the alignment of

financial processes and procedures keeping in mind business demands and

continuous changing needs. Chosen to be the lead business unit to convert

to SAP in Loblaw's company-wide project.

. Integral contributor on a project to convert the credit card processor

systems to a new vendor with a strategic view to implementing finance

solutions to meet business requirements and future cardholder product

offerings. Successfully converted 2 million accounts and $2 billion in

receivables portfolio without any cardholder or financial impact.

. Finance owner on PC Telecom's launch of the new "The Mobile Shop" kiosk

business. Successfully set up the back office accounting for 75 locations

with future growth expectations for 500. Established processes,

procedures, and controls for cash management, accounts receivable,

accounts payable, and inventory management.

. Championed the implementation of IFRS. Developed a new accounting manual

and created a process to monitor and implement updates and/or changes as

it relates to accounting matters. Finished 6 months ahead of schedule and

advised parent-company on IFRS matters.

. Successfully led the strategic launch of a GIC program. Increases PC

Financials product offering and provides funding for the MasterCard

portfolio. Product offering was well received by consumers and the GIC

portfolio has provided the necessary funding for the expected growth in

the credit card portfolio.

. Simultaneously held the role of acting Director, Planning (12 months)

during a colleagues maternity leave.

. Finance owner of the Accounts Payable function. Gained the confidence of

and turned around organization-wide resistance toward automation and

streamlined procedures that significantly improved efficiency while

reducing costs. Improved effectiveness of the team by implementing

consistent and efficient processes.

. Key member on several committees including the credit, product, vendor

governance, technology deployment, and project management office. Also, a

business compliance officer (BCO).

American Express Canada, Inc.

1988 - 2009

American Express Company is a global payments, network and travel company,

which offers credit payment card products and travel-related services to

consumers and businesses around the world.

Director, Business Planning & Financial Analysis

2001 - 2009

International Payments (IP) - Consumer Lending

Reported directly to the CFO and leading a team of 9 professionals.

Responsible for the planning, development, and implementation of all major

financial planning and budgeting processes. Including quarterly forecasts,

annual planning, long range planning, investment optimization, partnership

profitability, portfolio profitability, planning transformation, and

business transformation initiatives.

. Assumed the role of acting CFO (2001 - 2002 & 2006 - 2007) while position

was twice vacant.

. Integral contributor providing strategic guidance to the President on the

development and execution of the 'Blue Box Plan'. Providing five years of

strategic direction for the Canadian business by fixing the existing

business, leveraging existing and new partnerships, new product

development, and implement business transformation initiatives to deliver

top and bottom-line growth.

. Successfully managed the P&L by delivering results that exceeded

corporate goals consistently for seven years straight. Canada's

performance made it the #1 international market in receivables ($4

billion), revenues ($600 million), cards in force (4 million),

acquisition (700 thousand cards annually), Pre-tax income ($150 million),

and business transformation initiatives ($20 million annually).

. Key contributor to the renegotiation of partnerships with AirMiles and

Costco. Delivering partnership value, portfolio growth, strategic

investment decisions, while driving down points cost were all achieved.

Successfully bid on the Aeroplan portfolio and negotiated a partnership

deal leading to significant growth in the frequent-flyer and high-spend

segments. Led a review of the Holt Renfrew partnership with timelines and

an action plan to improve profitability through targeted investment spend

to grow profitably grow the portfolio and eliminate non-value partner

spend.

. Key leader in the new product development with the successful launch of

the Tiger Woods credit card and the Centurion (black) card. Developed key

learning's used in future global product launches.

. Championed Canada's investment optimization by efficiently and

effectively managing annual investment spend in $120 million in

acquisition and account management initiatives and $20 million in

technology initiatives while ensuring pre-investment hurdles (NPV, ROI,

RORC) were met. Post investment analysis was used to inform future spend.

Canada became the 'to go' market for investments due to the quality of

investment opportunities and a solid reputation for delivering on its

commitments.

. Successfully managed a complex matrix organization in an international

structure. Worked tirelessly to build relationships with key players in

New York, Miami, Phoenix, London, and India. Built a reputation as a

market leader with strong leadership, ability to meet corporate goals,

and delivers on commitments.

. Developed a high-performance team. Coached and mentored the team members,

provided them with challenging assignments to build their skills

inventory, leadership, and meet their career objectives.

. Played an active role as a member of the Finance Leadership Team (FLT)

and the Consumer Leadership Team (CLT). Also, an active member on the

Risk, Credit, and Pension committees.

Senior Manager, Business Planning & Financial Analysis

1999 - 2001

Global Corporate Services (Corporate Card and Travel)

Manager, Business Planning & Financial Analysis

1998 - 1999

Global Establishment Services (Merchant Services)

Senior Financial Analyst, Business Planning & Financial Analysis

1997 - 1998

International Payments (IP) - Consumer Lending

Financial Analyst, Business Planning & Financial Analysis

1994 - 1997

International Payments (IP) - Consumer Lending

Accountant, Financial Control

1993 - 1994

Accountant, General Accounting

1991 - 1993

Accounting Analyst, General Accounting

1988 - 1991

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EDUCATION

. Master of Business Administration (MBA)

2009

Richard Ivey School of Business, London, Ontario

. Accounting and Financial Management Diploma

1988

Centennial College, Toronto, Ontario

. General Management and Business Administration Diploma

1987

Centennial College, Toronto, Ontario

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ACHIEVEMENTS AND PROFESSIONAL DEVELOPMENT

. 2006 American Express International 'Presidents Club' winner, top 1% of

employees worldwide and the 1st Canadian finance team member to win the

award

. Strategy program, Queen's School of Business, Executive Development

Centre

. Executive Presence, The Ariel Group, American Express, Blue Box

Leadership Curriculum

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VOLUNTEER AND COMMUNITY INVOLVEMENT

. Scouts Canada, Leader, 1st Bayview Hills Scouts, Wolverine Troop,

Newmarket 2008 to present

. Board Member, Fight SMA with Tori's Buddies

2003 - 2009

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