Customer Relations Business Leader

Frank J. Musil, III

Creston, Ohio ***** 330-***-**** ***********@*****.***

www.linkedin.com/in/frank-musil-9993491a/

EXPERIENCED TECHNOLOGY AND BUSINESS LEADER

Highly experienced results driven technology and business leader with expertise in leading large teams of managers, project managers, developers, business analysts, testers, and users in transforming and modernizing information services technology in wide areas of the banking industry. Experienced in Auto Lending (Direct and Indirect), Consumer and Commercial Lending, Retail Deposits, Business Banking, Wealth Management, Treasury Management, Risk Analytics, Loan Servicing, and Default. Proven history of providing strategic results with creative solutions while emphasizing cost containment. Superior knowledge of the convergence of business and technical environments with excellent understanding of management tools and applications. Expertise in strategic thinking, staff development, and in-depth customer relations. Core competencies:

Strategic Leadership Budgeting IT Strategy and Framework Stakeholder Management Vendor Relations IT Regulatory Compliance Customer Relations Lending Deposits Disaster Recovery Project Management Agile / Waterfall Methodologies Operating Systems Process Improvements Workflow Management Mergers and Acquisitions TECHNICAL SKILLS

MS-Word MS-Excel MS-PowerPoint MS-Outlook MS-Project MS-Access Containerized Java Microservices API AWS JavaScript SASS HTML Angular Springboot Jenkins AttachMate Clarity Quality Center WebSphere UNIX IIB XML Oracle CICS Business Rules Engines COBOL COBOL II SQL JCL DB2 SQL DATATRIEVE MVS TSO/ISPF

PROFESSIONAL EXPERIENCE

International Freelance Consultant, Creston, OH January 2024 – Present

• Independent consultant providing focused Management Consultancy and Project/Program management services for companies across the globe including, but not limited to, AlphaSites, Gerson Lehrman Group, Inc., and McKinsey & Company. Proactively ensuring adherence to applicable policies and procedures to safeguard client interests. PNC Financial Services Group, Cleveland, OH October 2011 – December 2023 Vice President

Managed, directed, and led teams for Operational Risk, Economic Risk, and PNC Enterprise Loan Originations departments including, Indirect and Direct Auto Lending, Small Business Lending, Consumer Unsecured Installment Lending, Consumer Lines of Credit, and Wealth Loans. This includes Servicing and Default as well.

• Spearheaded the initiative and the teams, with the internal business clients, to move Indirect Auto Lending to eContracting with RouteOne and DealerTrack allowing for near instantaneous turn around to the external consumer, increasing the efficiency ratio by approximately twenty-five (25) percent and decreasing input errors by almost seventy five (75) percent.

• Led Loan Originations team for the $11.6 billion BBVA Merger in 2020. The implementation required the integration of all BBVA products deemed to be added to PNC systems. The implementation for Originations was one of the first to go live and was installed with 100% accuracy for internal and external clients.

• Anticipated the need for and architected PNC's Digital Unsecured Installment Loan product which has generated over

$500M in loan volume.

• Directed development teams to architect Auto Lending solution that allowed for the quick and efficient integration of third parties such as CarSaver and Carvana so that the addition of new partners would follow an off the shelf approach.

• Developed and led IT department budget negotiations with internal business units and peer IT departments for IT Risk Analytics department.

• Established Strategic Partnership with Oracle Corporation to develop the global Operational Risk Management Software product map. As one of the only two financial institutions to adopt and install the platform, worked hand in hand with senior management from the business and technology areas for both companies in developing product features and enhancements on an ongoing basis allowing Oracle to further broaden their customer base.

• Directed project team consisting of managers, project managers, developers, business analysts, quality assurance testers, and business users that implemented the Operational Risk Management Technology platform for entire enterprise which enable the tracking of, and regulatory reporting, for all areas of Operational Risk Management including direct P/L minimization of monetary losses.

• Supervised the installation and maintenance of the Enterprise Economic Capital Risk Management system that monitored and predicted macroeconomic risk factors. This critical system was utilized in the determination of the liquidity position for the enterprise, as well as providing data for the required OCC annual Capital Planning and Stress Testing exercises.

• Guided large cross IT teams for initiative to modernize the enterprise Loan Originations technology stack. This required the analysis, architectural and application designs for both hardware and software ensuring the inclusion of upgraded security, SRE concepts, server redundancy, high availability, and near real time disaster recovery.

• Put into practice Site Reliability Engineering (SRE) concepts enabling a more proactive approach to systems management across all responsible applications.

• Put into practice a staff development plan to align with annual strategic goals that included self-learning, classroom learning, and a mentorship program.

Lender Processing Services, Solon, OH July, 2011 – September, 2011 Project Manager

Managed and developed PMO reporting for organization. Personally enhanced reporting to include milestone and budget alignment.

Bank of America – Carlisle & Gallagher Consulting Group, Charlotte, NC November, 2009 – June, 2011 Project Manager/Technical Design Lead

Led team of developers and business analysts for various projects for Demand Deposit Accounts application IMPACS. Architected design that allowed for customers to opt out of paper communications reducing the company’s annual communication expenditure of $1.2 billion by fifty (50) percent. TDBanknorth – EDGE Services, Lewiston, ME December, 2008 – October, 2009 Program Manager

Guided the Consumer Lending, Commercial Lending, Safe Deposit Box, Intra-Bank Transfers, Tax application data conversion teams for the $8.5 billion TD/Commerce Bank merger. Delivered on time conversions of each of the applications which included managing developers, business analysts, quality assurance analysts, and end users. Sovereign Bank – EDGE Services, Boston, MA June, 2008 – September, 2008 Project Lead

Managed team responsible for the implementation of the client’s Report Generation work stream of the bank’s Middleware Foundation Project. As part of the project, the team reviewed all of the bank’s reports for usage and efficiency of creation. This review achieved an approximate thirty (30) percent reduction in the overall number of reports.

Fifth Third Bank – EDGE Services, Cincinnati, OH April, 2008 – May, 2008 Business Systems Analyst

Translated business needs to user requirements for new ALS Consumer Loan Debt Protection product. Utilized business training and knowledge to facilitate the business in completing requirements. CapitalOne – EDGE Services, Richmond, VA December, 2007 – March, 2008 Project Manager/QA Test Lead

Utilized extensive background in conversions for the $14.6 billion Capital One/North Fork merger providing comprehensive review of data mapping requirements, business requirements, and technical requirements for the migration of consumer loans from a third-party vendor to Fidelity ALS (Advanced Lending System). Also, responsible for ensuring that the testing strategy for the migration of consumer loans was comprehensive in order to mitigate or eliminate risk to the business units.

RBC Centura – EDGE Services, Rocky Mount, NC June, 2005 – July, 2007 Program Manager

Guided the Consumer Lending, Commercial Lending, Demand Deposit Accounts, Timed Deposit Accounts, Safe Deposit Box, Intra-Bank Transfers, and Tax application data conversion teams for the $11.5 billion RBC/Centura Bank merger. Delivered on time conversions of each of the applications which included managing developers, business analysts, quality assurance analysts, and end users.

Directed project team of developers and business analysts for the Enterprise Data Masking/Encryption Project. Determined that original algorithm selected by company would not maintain data integrity across applications; therefore, implemented a faster, simpler methodology that provided the necessary data integrity and enabled the company to protect customer sensitive data. This reduced potential for data theft and consequent embarrassment to the organization.

National City Corporation, Cleveland, OH April, 1999 – June, 2005 Group Manager

As Mid-Range Platform Manager developed metrics for online availability, batch availability, various types of hardware capacity measures, and vendor response and reliability measures.

As Mid-Range Production Support Manager led team of developers in resolution of production support issues. Architected high availability solution and hardened disaster recovery post 9/11.

As Data Center Manager supervised approximately sixty (60) second and third shift computer and peripheral operators. This position required knowledge of all production batch schedules and service level agreements for all distributed, mainframe, and mid-range platforms as well as understanding all enterprise equipment including DASD, Tape Storage, and all other peripheral devices.

EDUCATION

Master of Business Administration (MBA)

John Carroll University, University Heights, Ohio

Bachelor of Science, Business Administration (B.S.B.A.) Management Science/Computer Science John Carroll University, University Heights, Ohio

PROFESSIONAL DEVELOPMENT CERTIFICATIONS

Agile Trained Six Sigma Green Belt PMP Training Project Management Institute training Financial / Statistical / Data Analysis and Risk Management.

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