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JOEL W.

HAMBURGER, CCM
4655 Penn Hill Drive
Schnecksville, PA 18078
jhc70cf6@westpost.net
(610) 799-2290 Home
PROFILE
Banking, Deposit, Operations, Product Management, Cash Management Professional w
ith a record of consistent growth in responsibility through technical and manage
ment contributions to organizational effectiveness and revenue enhancement. Bac
kground encompasses all aspects of retail and commercial Sales/Product managemen
t and development, operations, marketing, project, management information, cash
management, deposits, commercial lending and administration. Feedback indicates
results achieved through a professional emphasis on quality, and application of
developed skills: ability to adapt to continuing change and make sound business
decisions; capable leader and astute motivator developing productive employees
by creating an atmosphere of teamwork and communication; an effective negotiator
and problem solver. Areas of experience and expertise include:
* Bank Operations - DDA, Savings & Time Deposits
* Project Management
* Product Implementations
* Electronic Commerce
* Treasury Management
* Account Analysis Operations
* ACH and Wire Transfer Operations
* Relationship Management
* Product Strategy
* System Conversions
* Cash Management Sales
* Vendor Management
* Commercial Lending
* Market Research
* Data Base Management
* Retail & Commercial deposit and investment management
* Repo, Money Market and Euro Dollar Sweeps,
* Familiar with Fidelity, Metavante and Fiserv core applications
* Extensive IBS experience with Fidelity and Fiserv platforms and applications *
Pricing
* Management Information Systems
* Extensive IBS experience with Metavante platforms/applications
* ARP SMS, PEP Plus, XAA
* Web Banking - ACI, Fundtech, Digital Insight,
* IT Product Development Experience
PROFESSIONAL DEVELOPMENT
Continuing Education includes:
A.A.P. - Accredited ACH Professional
C.C.M. CTP - Certified Cash Manager/Certified Treasury Professional
Member AFP 15+ Years
AFP//TMA Treasury Management Conferences (2000, 2001, 2003, 2004, 2005, 2008)
Formal TD Bank Project Management Training 2007, 2008 and 2009
Board Member New York ACH - NYACH
Member of NEACH - New England ACH
National Automated Clearing House Assoc. conferences (2001, 2003)
Formal training in the use/management of A.F.S. Commercial Loan systems
Formal Commercial Credit training
PBA - Advanced School of Banking Bucknell University
PROFESSIONAL EXPERIENCE
TD BANK/TD BANKNORTH, PORTLAND, ME
2006- 2010
Senior Vice President and Group Product Manager for Payment, Liquidity Products,
Account Analysis and MIS.
Directed a staff of 3 product managers/ support staff; develop and manage, cash
management payment products, liquidity products, account analysis and MIS report
ing. Responsibilities include: ACH, Domestic and International Wire Transfer, AR
P/Positive Pay, Cash Concentration, Control Disbursement, Zero Balance Accounts,
Sweep Investment accounts, Commercial Deposits, Interest rate management and me
rger acquisition projects. Provided product strategy, product profitability, ma
rket research, vendor selection and management, pricing, testing, implementation
and sales training, active in customer calling efforts and ongoing product enha
ncement and quality assurance.

* Integrated TD Banknorth and Commerce Bank Cash Management Systems


* Integrated HUB Cash Management Products with TD Banknorth.
* Integrated ICB Cash Management Products into TD Banknorth
* Enhanced TDBN's fully automated over-night sweep product including Repurcha
se Agreements, Money Market Fund and Euro Dollar sweep...
* Implemented SMS/ARP processing system including significant improvements to pr
oduct...
* Expanded HUB's EFT product line and laid the foundation for future development
of an E-Commerce strategy.
* Implemented automated on-line cash concentration and international wire transf
er product.
* Increased gross deposit fee revenues by 18% and net analysis revenues by 28%,
through the introduction of new products and pricing strategies.
* Brought cost of funds spreads in line with TD BFG guide lines through rate man
agement and revised pricing strategies.
* Current working on the Commerce Bank/TDBN merger as Project Manager for the SM
S Payee Matching and ARP system integration as well as acting as Team leads on 4
other integration projects.

HUDSON UNITED BANK, MAHWAH, NJ


2001- 2006
Senior Vice President and Director of Retail & Commercial Product Management, Ma
rketing and Product Development
Direct a staff of 10 product managers and 5 support staff; develop, manage and m
arket retail and commercial products including cash management, deposits, lendin
g, electronic banking services, mortgage banking, pricing committee, and interna
tional products. Coordinate product strategy, product profitability, market res
earch, vendor selection and management, pricing, testing, implementation and sal
es training, active in customer calling efforts and ongoing product enhancement
and quality assurance.
* Updated the organization's products, including WEB Express an Internet based B
alance Reporting and Electronic Funds Transfer product.
* Implemented the extended account analysis system (XAA) allowing improved custo
mer billing, greater product flexibility, reduced revenue leakage and a more rob
ust Public Sector deposit product offering.
* Enhanced HUB's fully automated over-night sweep product including Repurchase A
greements, Money Market Fund and FDIC insured on balance sheet money market inve
stment options.
* Implemented outsourced Wholesale and Retail lock box products.
* Expanded HUB's EFT product line and laid the foundation for future development
of an E-Commerce strategy.
* Implemented account reconciliation and positive pay products.
* Increased gross deposit fee revenues by 31% and net analysis revenues by 89%,
in first 6 months, through the introduction of new products and pricing strategi
es.
* Reduced Bank wide Interest expense by $20MM annually through pricing strategie
s.
* Chaired the Banks Pricing committee
* Member of ALCO

ORBIAN, LTD., LONDON, UK AND NEW YORK, NEW YORK 1999 - 2001
SVP, Global Product Manager for Orbian, LTD. A London based start-up e-commerce
partnership between CitiGroup and SAP A.G.
Directed a staff of 10 Product Managers and 11 Business Analysts; developing an
Internet based business-to-business, international trade financing product. The
team was responsible for system development, product design, business applicabil
ity, functionality, testing, and customer implementation.
* Applied basic Orbian trade financing concept to SAP R3 system and designed WEB
Front end using Brokat Twister.
* Defined value processing algorithms required to allow transaction, extension,
discounting and liquidation in multiple currencies
* Designed and tested WEB front end to maximize user functionality.
* Defined data dictionary to allow for settlement in multiple formats.
* Implemented pilot test of product in September of 2000.

SUMMIT BANK/UJB/FIRST VALLEY BANK, Cranford, NJ/Bethlehem, PA

SVP and Director of Commercial Product Management and Development


Directed a staff of 10 product managers and 10 support staff; developed and mana
ged Commercial products including cash management, deposit, lending, and electro
nic commerce services. Developed and coordinated product strategy, market resea
rch, vendor management, pricing, testing, implementation and sales training; act
ive in customer calling efforts and ongoing product enhancement and quality assu
rance.
* Updated the organization's products, including SUMMIT WEBConnect an Internet b
ased Balance Reporting and Electronic Funds Transfer product. Summit was among
the first banks to provide these services over the Internet.
* Implemented Windows based information reporting product: Money Trac Plus, whi
ch generates over $2M in annual fees.
* Created a fully automated over-night sweep product including Repurchase Agreem
ents, Money Market Fund with an integrated line of credit; the Summit Asset Mana
gement account.
* Developed a lock box product strategy that generates $3M annually.
* Laid the foundation for future development of an E-Commerce strategy.
* Developed and implemented positive pay product.
* Increased gross analysis fee revenues by 25% through the introduction of new p
roducts and pricing strategies.
Vice President & Wholesale Product Manager
Managed and developed wholesale banking product lines including; electronic fund
s transfer, deposit, disbursement, and sweeps and account analysis. Active in c
ustomer sales of cash management services.
* Coordinated the conversion of commercial products during the Summit/United Jer
sey Bank merger.
* Retained and promoted to SVP, Director of Product Management.
VP Chief Administrative Officer - Commercial Lending Division
Managed the organization through the transitional period during the First Valley
Bank/United Jersey Bank merger.
* Managed division budget process, audits and letters of credit.
* Promoted to Wholesale product manager.
VP Group Manager - Commercial Loan Operations
Managed loan administration and commercial loan operations areas; directed credi
t review/loan operations activities, developed commercial banking relationships
and supervised 33 employees.
* Responsible for a loan portfolio of approximately $820M.
* Efficiently managed 3 departments.
* Retained and promoted during merger period.
AVP Manager, Item Processing, Deposit & Cash Management Operations
Managed daily deposit, check processing, ACH, wire transfer and cash management
operations; supervised 50 plus individuals.
* Responsible for approximately $900MM in deposits.
* Played a key role in major consolidation and merger endeavors that streamlined
the operation and expanded the organization.
* Coordinated multiple systems conversions (7 over 10-year period).
* Promoted several times due to outstanding contribution.
Prior to these positions employed in positions that provided solid management a
nd customer service skills.
EDUCATION
University of Tampa, Tampa, FL
Undergraduate
Lehigh University, Bethlehem, PA
Graduate

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