Anthony J. Montesion
**** ********** ***** *****, ************, FL 32259
Home: 904-***-****, Cell: 973-***-****
**********@*******.***
Energetic, positive, strategically focused business leader with a diverse background and proven success in
business development, cultivating market/channel partner relationships, consultative approach to maximize
customer/client potential. Proven leadership in quickly analyzing key business drivers and developing strategies
to grow bottom-line performance.
CORE BUSINESS COMPETENCIES
-Executive Leadership -Project Management -Integrity
-Contract Management -Market/Channel Partner Management -Quality Metric Driven
-Develop High-Performance Teams -Organizational Awareness -Information Seeking
-Achievement/Results Orientation -Presentation and Communication Skills -Analytical Thinking
PROFESSIONAL EXPERIENCE
QUALITY CONSERVATION SERVICES, INC., OAK RIDGE, NJ 2005-PRESENT
DIRECTOR, BUSINESS DEVELOPMENT for a mid-market ESCO (energy Services Company) providing sub-
contracting, program administration, and market/channel partner relationships for large regional and national utility
sponsored network load reduction programs. Direct sales of energy-efficiency products and services to the commercial
real estate and multi-family housing market. Providing energy-efficient lighting and controls, water conservation
measures, infiltration and building envelope and energy management systems.
• Transformed a sub-contracting organization lacking identity and branding into a more customer-facing
organization.
• Initiated entry into the direct B2B market (GreenSmart Energy Reduction Program®). Acted as Program
Director and added $5M in revenue since inception while protecting utility contracts.
• Restructured corporate marketing and added a web presence, branding, on-line scheduling, direct mail
campaigns, trade show presence, and other activities for lead generation. Mine market/channel partner data for
mutually-beneficial marketing opportunities.
• Directed the activities of five BDM’s. Provided mentoring, training and development.
• Provided sales forecasting, developed overall sales goals and annual sales budget
• Oversee sales comp plan, key client accounts; set all pricing, respond to RFP/RFQ’s.
• Developed relationships with major financial institutions and added a lease financing funding vehicle
• Top 5 customers repeat business provided 60% of program gross revenue over 4 years.
• Developed, negotiated and executed on contracts in the $5-10M range
• Interfaced with field operations for audits, installation scheduling, and project close-out
ADT SECURITY SERVICES, DIV. TYCO FIRE & SECURITY, JACKSONVILLE, 1999-2005
FL
DIRECTOR, ACCOUNT SERVICES for largest security provider in US with market leadership in residential,
commercial, national account and government segments.
• Provided the framework for the daily operation of over 600+ line and staff associates providing billing
customer service and collections to over 5M accounts.
• Consolidated 5 regional call centers into 3 national centers, resulting in $2M annual expense reduction.
• Processed over 1M in inbound and outbound customer contacts monthly.
• Reduced unit cost and increased productivity by implementing technology in areas of IVR’s, intelligent
auto-dialers, dispute management systems and increasing Internet contacts.
• Managed several acquisitions including largest competitor, managing operation during integration.
• Designed and project managed the building of a 400 workstation, 64,000 sq. ft. call-center.
Project completed on time and under budget.
• Increased free cash-flow from $750M to over $2.1B by reengineering processes and aligning operations
into separate portfolio concentration to better support customer base and field sales organization.
• Maintained additional responsibility for HR, training, quality and departmental finance, with budgetary
responsibility of$48M.
GREEN TREE FINANCIAL SERVICES, ST. PAUL, MN 1998-1999
SENIOR VICE PRESIDENT, CREDIT POLICY/BANK CARD for a sub-prime lender with finance units in mobile
home, recreational vehicle, and retail private label markets.
• Engaged to assist in salvaging a poorly performing entry into the bank card market.
• Revised pricing model and marketing strategy to better manage portfolio risk and reduce bad debt.
• Directed activities of program processing vendor, implementing appropriate controls commensurate with portfolio
risk relative to line assignment, authorization parameters and fraud control.
• Reorganized bankcard operations and separated collection activity from private label operations and centralized
process in new call-center in Scottsdale, AZ.
• Declined offer to relocate after company was sold.
1990-1998
AT&T UNIVERSAL CARD SERVICES, JACKSONVILLE, FL
VICE PRESIDENT, RISK MANAGEMENT for a credit card issuer (Visa and MasterCard) with over 25 million
accounts and $16B in receivables. Responsible for the strategy and policy deployment for all operational aspects of Risk
Management including: new account processing, risk control, collections, recovery, and fraud investigations.
• Responsible for the development, implementation, measurement and continuous improvement of the
related credit cycle processes.
• Directly responsible for a combined contractual and fraud loss expense in excess of $600 million.
• Maintained loan loss rates at or below industry standards as incumbent.
• Increased collector productivity by over 300% by implementing a “blended agent” predictive dialer
capability.
• Reduced unit cost per processed application by $1.00 by outsourcing data entry and implementing voice
response technology for missing information and verification requests. A $3-4M annual save.
• Reduced average dollar loss per fraud account by 47% by implementing an early detection system
utilizing neural-net technology and automated exception reports. A $12-20M annual save.
• Provide the framework for the daily operation of over 1000 associates and 70 managers involved in 17
diverse functional processes.
• Develop and administer an annual operating budget in excess of $90 million.
• Member of the Senior Leadership Team, report directly to Executive Vice President and Chief Operating
Officer
SENIOR MANAGER, CREDIT POLICY responsible for developing and implementing knowledge-based systems and
programs in an effort to reduce exposure from fraud loss expense, and enhance the point-of-sale (POS) customer
experience, while maximizing sales and protecting the receivable.
• Leveraged staff responsibilities to pro-actively interface with line operations to develop and deploy
systematic and/or policy changes, enhancement, projects and programs in a rapid growth environment.
• Facilitate a team of technical, operational and staff personnel to address severe losses due to non-received
plastic. Team developer the Card Activation Program, which was an industry first and has since become an
industry standard.
• Participated in the leadership and turn-around of the worse fraud loss results in the industry (top 10
issuers) to industry leader (best in class) in 24 months.
• Reported directly to Vice President of Credit Policy.
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TRW INFORMATION SERVICES DIVISION, PARSIPPANY, NJ 1987-1990
REGIONAL ACCOUNT MANAGER in the credit data division.
• Responsible for sales and marketing to National Accounts in the Northeast Region
• Supported branch personnel in marketing of credit bureau services to major accounts from MD to Buffalo,
NY.
• Primary account responsibility for Citicorp Credit Services, GE Capital Corp. and American Express
• Acted as consultative resource for all risk management products and was regional project leader on bureau
bankruptcy and risk scoring model roll-out.
• Additional responsibilities include technical support to all automated access users in region, and
management of the affiliated bureau relationship.
• Increased revenue from assigned accounts by 35% to $20M annually
• Managed a staff of four technical support reps. Reported directly to Regional Vice President.
• Recipient of President's I 00% Club Award for exceeding revenue goals every year since joining
organization.
1980-1987
MACY'S CREDIT AND INFORMATION SERVICES, DIV. R.H. MACY CO.,
CRANFORD, NJ
DIRECTOR, CORPORATE CREDIT Responsible for the overall operations of a centralized corporate credit and
customer services center, supporting 65 stores in 9 states for the Macy’s Northeast Division.
• Primary responsibilities consisted of protection of the integrity of the accounts receivable through
management of the credit-cycle processes.
• Responsible for administering a risk-based acquisition and new account processing, credit authorization
processing and disposition, portfolio relationship management and fraud control and detection.
• Responsible for the performance of over $3.5 billion in credit card receivables and supported sales in
excess of $7.3 billion.
• Directed the activities of 4 departments with over 350 employees and 40 managers.
• Administered a budget of $25 million.
• Supported 18 new store openings with the development of an automated, on-site instant credit processing
system.
• Project leader for A/R system rewrite project, bankcard acceptance program, and development of new
instant credit behavior scoring systems.
• Interfaced with top management in area of IT, legal, store operations, security and division level
executives. Reported directly to Vice President, Corporate Credit
• Recipient of Chairman's Award for operational excellence and innovation.
LIVINGSTON STATE BANK, LIVINGSTON, NJ 1976 – 1980
CONSUMER LOAN OFFICER/COLLECTION MANAGER
AMERICAN NATIONAL BANK & TRUST CO., MORRISTOWN, NJ 1974 – 1976
CONSUMER CREDIT REPRESENTATIVE
EDUCATION & AFFILIATIONS
• Certified Consumer Credit Executive (CCCE)
• MasterCard International Security Council Member
• Visa Advisory Board Member
• Economic Crime Investigative Institute (ECI I) Utica College of Syracuse University, Board Member
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• International Credit Association (ICA), Executive Member
• Bachelor of Science, Business Management, Nova Southeastern University
• Listed in Who's Who in Credit Management
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