Financial Services Business Development

Richard M. Nicholson

** ********* **. *********** ** 01534 774-***-**** *********.****@*****.*** SUMMARY

Strategic and results-driven Banking Executive with over 23 years of expertise in leading transformational growth initiatives, driving mergers and acquisitions, and optimizing branch operations across multi-billion-dollar portfolios. Known for collaborating with C-suite leadership, to shape and implement forward-thinking business strategies that align with long- term organizational goals. Proven track record in finance, Investments, sales, internal audit, operation/compliance/controls, cross-functional leadership, and leveraging data-driven insights to improve profitability and enhance customer experiences. A visionary leader with deep experience in branch/digital transformation, product/pricing, negotiation, business/consumer lending, and fostering high-performing teams that consistently deliver measurable results. C& PROFICIENCIES

- Strategic Leadership & Vision

- Product Development & Execution

- Cross-Functional Leadership & Collaboration

- Business Development & Market Growth

- Relationship Management & Consultative Sales

- Investments, Insurance & Sales Strategy

- Customer Experience & Customer Success

- Team Development & Executive Coaching

PROFESSIONAL EXPERIENCE

JP Morgan Chase, Rhode Island

Executive Director May 2023 – August 2024

- Led strategic oversight of a $1.9B portfolio across 17 branches, managing a team of 17 Branch Managers and 110 indirect reports.

- Directed the successful opening of 4 new branches, aligning recruitment and training with corporate strategies to ensure operational synergy and long-term growth.

- Key Strategic Contributor to the Senior Leadership Team’s Real Estate Committee, influencing decisions on market expansion and branch location investments that supported sustained growth.

- Top Performer within the division, ranking 7th out of 49 markets, reflecting consistent delivery on revenue, customer satisfaction, and operational targets.

- Led digital transformation initiatives that enhanced both customer and employee experiences, contributing to improved service efficiency and digital engagement metrics. Liberty Bank, Central North Market

First Vice President - Retail Market Leader April 2022 – May 2023

- Managed a $2.5B portfolio with responsibility for 17 Branch Managers and 130 indirect reports, driving strategic initiatives to optimize market performance and customer retention.

- Strategic Advisor to the CEO, providing key input during weekly executive meetings on financial performance, operational improvements, and strategic initiatives. Contributed to a 100% increase in Investment Fee Income and significant operational efficiencies.

- Lead on Digital Banking Launch “Owners Bank” and contracted with partner banks, and 3rd party vendors for Baas (Banking as a service)

- Elevated employee engagement through the introduction of feedback-driven systems, resulting in enhanced employee advocacy and improved operational morale. TD Bank, Boston Region (DeNovo Market)

Vice President - Retail Market Manager June 2021 – April 2022

- Strategically elevated the region’s overall scorecard ranking from 57th to 3rd by driving initiatives in business development, customer engagement, and operational efficiency.

- Developed and executed partnerships with non-profits and community organizations to boost customer acquisition, deepen community engagement, and enhance financial literacy initiatives.

- Led high-impact initiatives that consistently achieved top rankings in small business deposit, lending, and fee income metrics, contributing to the region’s outstanding performance (#5 in the New England Market).

- Leveraged the TD Garden relationship to drive consumer and business customer growth, aligning sponsorships with broader market expansion strategies. TD Bank (TD Banknorth), Various Regions (MA, RI, NH, VT, and NY) Vice President - Retail Market Manager January 2006 – June 2021

- Oversaw diverse markets across New England, leading teams of up to 35 direct and 200 indirect reports, consistently driving performance improvements and achieving top quartile rankings across multiple key performance indicators.

- Internal Audi/Operations Lead – New England Market. Led internal audit among 110 branches in New England 2x/year . (2008-2012).

- Directed the Annual Branch Optimization Initiative from 2009 to 2021, leading the consolidation of 50 branches across Northern and Southern New England. Delivered seamless system migrations, staff transitions, and customer communications that contributed to operational efficiency and cost savings.

- Recognized as a multi-year recipient of the CEO Leadership Award and the Vision in Action Award for exceptional leadership, strategic vision, and operational execution. EARLIER EXPERIENCE

Various progressive roles at TD Bank, Bank of America, and Fleet Boston Financial, including premier client manager, private banking, relationship management, investments, mortgage origination/operations, credit card, business banking, training & development, and business development. Successfully led business growth initiatives, consistently ranked in the top scorecards, and played a key role in driving employee engagement and customer satisfaction. EDUCATION

MBA, Nichols College, Dudley MA May 2012

B.S. in Management, Worcester State College, Worcester MA August 2002 A.S. in Physical Therapy, Becker College, Worcester MA May 2000 ADDITIONAL DETAILS

- Multi-Year CEO Leadership Award Recipient for outstanding performance and leadership.

- Extensive experience with operational standards, financial reporting, and regulatory compliance in banking.

- Actively engaged in community service with leadership roles on multiple non-profit boards.

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