Nathaniel Laroche

Stifel Financial

Reports to the C-suite leading deposit, payment, and digital banking capabilities across Stifel's affiliated organizations, including the Bank Sweep Program, Cash Management Accounts, savings products, retail deposits, credit card, and treasury and business banking platforms.

• — Insourced Cash Management Account processing from a top 5 bank to Stifel Bank, enabling digital card management and the ability to offer Zelle on brokerage CMAs
• — Led the integration of the Business Bank of St. Louis acquisition
• — Negotiated key fintech partnerships and core banking system agreements
• — Set banking strategy and deployed savings, bill pay, credit card, deposit origination, and treasury management platforms

Scottrade Bank

Led the evolution of retail deposit products and platforms, assessed future lending products in a direct bank model, and managed credit culture and lending process improvements across mortgage, commercial, and equipment finance.

• — Led the core banking system RFP and managed multiple deposit product launches
• — Consolidated money movement operations and directed mortgage and consumer finance RFPs
• — Implemented an automated wire platform and strengthened the BSA/AML program

Scottrade Bank

Bridged operations, product, and technology to build retail product systems including ACH, bill pay, debit cards, wire processing, and remittance processing.

• — Reg E management system implementation yielded a 28% decrease in claims and a 1,575% increase in insurance recovery
• — Increased bill pay active rate by nearly 10% while reducing costs over $100K annually

Scottrade

Led program analysis for Scottrade Bank's retail deposit products rollout on the FIS Profile system, coordinating business analysis peers and developing enterprise-level requirements through user acceptance testing.

• — Delivered an integrated brokerage-bank customer experience across web, branches, call center, and mobile platforms

Scottrade

Focused on quick-implementation projects and troubled project turnarounds.

• — Led the nationwide bank sweep program rollout and a vendor application migration within three months

CIO Services

Provided network, computer, and website solutions to small and mid-sized businesses.

• — Closed $70K in work and projects through superior solutions and customer service

Citigroup

Liaison between technology and operations for Citi Home Equity e-commerce marketing, leading website redevelopment and optimizing lead generation channel performance.

Citigroup

Managed a Customer Contact team supporting wholesale brokers across three vendors in Mumbai, Bangalore, and Manila — 80+ team members. Transformed an underperforming operation into an asset through training, systems, and process improvements.

• — Increased calls per agent per day by 30% and decreased abandoned calls by 84%
• — Reduced average handle time by 124 seconds and lowered agent count by 63%
• — Achieved a 2% lower error rate than competing teams

Citigroup

Built the testing, monitoring, and support team for Citi Home Equity systems, and created an offshore call center in Mumbai, India, managing 100+ daily calls (30,532 total in 2005). Also managed the website development lifecycle for citihomeequity.com and myhomeequity.com.

• — Achieved zero voluntary turnover

Accenture

Scoped and developed web-based communication solutions for distributed teams across the Philippines, Argentina, and Illinois, working with offshore developers and creating proposals and client presentations.

NRL Consulting

Founded an IT consulting firm serving small businesses in Columbia, Missouri — program design, specifications, and process improvement, including an inventory system for consignment handling.