Carri Noyes
Remote Boston
Summary
Seasoned Consultant with background in developing and implementing successful commercial card programs and business strategies. Strong track record in identifying opportunities for operational improvement, driving efficiency, and facilitating change management initiatives. Demonstrated skills in project management, strategic planning, and nurturing both internal and vendor partnerships. Significant contributions made to enhance organizational growth and profitability in previous roles.
Overview
20
20
years of professional experience
Work History
Commercial Card & Virtual Card B2B Consultant, CEO & Founder
CNVC Consulting
04.2024 - Current
- Commercial Card & Virtual Card B2B Program Implementation & Data Mapping Consultant
Commercial Card Product Manager, VP
BankUnited, N.A.
02.2020 - 11.2023
- Product Lead/POC implementation of bank’s Commercial Card Issuer Program
- Partnered with Visa, Fiserv, BillTrust, Bora Systems (prior to Bottomline acquisition) and Boost Payments to improve virtual card offerings and core card product functionality
- Collaboration with cross-functional partners, focusing on process touchpoints while strategically aligning to the product roadmap
- Executed e2e product lifecycle through the socialization of go-to-market materials and training for all impacted teams
- Collaboration with Sales team to provide updates/trainings or review program questions/RFP responses | Attended client calls as needed
- Sales Pipeline metric reporting | Comprehensive Senior Executive KPI, KRI & Sales Pipeline monthly package
- Created and rolled out a new card profile to support new chip industry requirements
- Commercial Card file feeds/data steward | Data Choice report writer | Tableau workspace creator | Data Analysis | Citizens Developer [StudioX] | RPA BOT contributor | Provided oversight for bank’s program settings utilizing AS400 technology
- Defined/created daily, monthly and quarterly KPI/KRI business/compliance reports
- Rebate calculation preparation | Client rebate model steward
- Partnered with RPA [Robotics Process Automation] team on development & maintenance of 4 BOTs
- Streamlined data compilation | Reporting automation | Efficient reporting distribution
- Accounting/Finance collaboration | Budgets | Product P&L | Journal Entries/Re-classes | Data mapping integration bank’s ERP Workday system
- Vendor maintenance | Incident monitoring | Communication oversight to impacted teams/clients
- SOC reporting | Process & procedures | RCM, RCSA maintenance | Performed Internal Audit requests
- Industry trends | Competitive peer landscape | Client feedback | Conference and Network knowledge sharing
- Highly proficient in all major Microsoft Office applications, including OneNote, Project, Visio, PowerPoint, Excel, Power Query, Word and Access. Also fluent in Salesforce, Tableau, Miro, Jira, Discord, Confluence, Slack, Aha and Monday.com
Commercial Card / Electronic Payments Product Manager, AVP
Santander Bank
06.2017 - 01.2020
- Defined requirements for new EMV dual authorization chip profile with expanded track encoding formats to accommodate for fleet bin considerations and removed a major decline issue the bank had at certain AFD’s [Automatic Fuel Dispensers]
- POC and DB administrator for Commercial Card sFTP file feeds/month end reporting | Lead SME for build of rebate calculation DB
- Rollout customized ACH-Card solution for internal affiliate | Integration of ACH-Card solution with bank’s integrated payables channel | Developed go-to-market implementation and training deliverables
- Transitioned to new virtual card vendor to roll out single use, batch and bulk SIP offering for both ICCP & ICBT [Mastercard Virtual Card offerings]
- Client Communications/Touch Point Owner | Marketing, Legal, Intellectual Property, 1st & 2nd line Risk and Compliance partners | Terms and Conditions, automated emails, Q&As, etc.
- Card Data Systems & Report Owner | Information Security, Data Control, Records Management & IT partners | Bank policy/regulatory compliant | Required assessments/annual reviews
- Client support model oversight | Implementation/Technical guides, FAQ sheets, scripts, training, etc.
- Third Party Risk Service Manager | Annual IRAs, Business Continuity Plans, SLA monitoring and exit planning
- NACHA CTX file requirements project
- Business Requirement Documents [BRDs] | Product volume analysis | SWOT analysis | Market trends & competitive landscape analysis | Cross-sell opportunities | KPI/KRI reporting | Ad hoc reporting
- Rebate calculation preparation | Client rebate model steward
- Product POC for all ACH, Wire, Integrated Payables, and Commercial Card projects
- Issue resolution | Meeting facilitator | Agile or Waterfall methodology | Scrum task adherence mentality
- Product migration efforts
- Close collaboration with Legal & Compliance to edit various legal documents, agreements and disclosures | Incorporate audit findings efficiently and with accuracy
- Defined project plans/product checklists for launches/migration efforts
- Managed & implemented all internal processes or procedure changes
- Responsible for ensuring communications between Retail and Commercial business partners
- Applications Used: Abrigo, Bottomline, Gartner, Salesforce, Project, Visio, PowerPoint, Excel, Word & OneNote
Independent Accounting & Financial Consultant
05.2016 - 06.2017
- 1099 Accounting and Cash Management Consultant for various companies specializing in:
- Develop accounting process & procedures for small businesses
- Troubleshoot problems/variances and develop timelines for resolution
- Financial reporting/forecasting | Post accounting & bookkeeping journal entries | Account reconciliations | Applications Used: Bottomline, QuickBooks Online [QBO], Excel, Word, OneNote, Slack, Google Drive
AML Compliance Officer, AVP
Citizens Bank N.A.
07.2015 - 05.2016
- Governance team of AML/BSA program | Oversight of AML Operations group
- KPI/KRI reporting | Vendor Enterprise Risk Assessments
- Facilitator between business partners, AML Due Diligence Group, Model Governance and AML Oversight Committee
- Program risk identification, mitigation & monitoring utilizing the Bank’s ERM system
- PEP screening, CIP, KYC and miscellaneous guidance questions
- Applications Used: Archer, Tableau, Visio, PowerPoint, Excel, Word & OneNote
Product Management Associate, AVP
Citizens Bank N.A.
06.2013 - 07.2015
- Treasury Solutions payables segment product support | Product strategies | Product roadmaps | Revenue opportunities for Sales
- Major contributor regulatory project implementing OCC recommendations from bulletin 2006-39 [ACH Activities: Risk Management Guidance]
- Major stakeholder ACH policy development | ACH & Wire risk assessments
- Product Operations group collaborator | Procedure compliance | Audit findings | BSA/AML/NACHA regulatory guidance
- Internal process & procedure review | Ensure compliance of regulatory rule changes | Define technical business requirements | Product enhancements/updates
- Legal & Compliance collaboration | Document, agreement and disclosure edits | Audit findings review/adherence
- Retail and Commercial bank liaison | Product migration efforts
- Issue resolution | Meeting facilitator | Agile or Waterfall methodology | Scrum task adherence mentality
- Business Requirement Documents [BRDs]| KPI/KRI reporting | Product trend & volume analysis | Pricing initiatives | Market landscapes | SWOT analysis | Ad hoc reporting
- Applications Used: Bottomline, Salesforce [CRM], Tableau, Visio, PowerPoint, Excel, Word & OneNote
Corporate Cash Manager/Staff Accountant
REIT Management & Research LLC
04.2005 - 12.2012
- Bank Liaison & Account Administrator for over 300 bank accounts | Triage, circulate and maintain bank docs
- Negotiate s/t investment rates, bank fees, ECR/Euro sweep rates | Cash Flow Forecasts | Variance Analysis
- Revolver loan pay down/draw prep | Property acquisition/loan assumption account set-ups | Legal & Lending
- Supervise cash management FTE | Domestic & International wire review | Wire controls adherence
- ACH fraud account monitoring| ACH & Check Posi Pay transaction review | Payment file submissions
- SOX compliance document preparation | SOX 404 procedure and control testing
- Budget and cost analysis | GL and Financial Statement Analysis | Research all BS & P&L variances | REIT AR oversight
- Maintain the company’s cash Access database | Format SQL queries and reports in Access
- Monthly & Quarterly sales tax filings & payments for all entities
- Primary Auditor contact during quarterly and year end audit requests
- Applications Used: Yardi, Timberline, JD Edwards, Concur, Access, Excel and Word
Education
MSBA/MBA -
06.2025
Currently enrolled
Coursera course
06.2025
Currently enrolled
Numerous product and workplace classes
2 Day corporate product management workshops
Accounting & Finance classes
BA - Psychology/Spanish minor
GPA: Magna Cum Laude
Skills
- Microsoft Office Suite
- Salesforce
- Tableau
- Power BI
- Miro
- Jira
- Discord
- Confluence
- Slack
- Aha
- Mondaycom
- MySQL
- Project management
- Data analysis
- Financial modeling
- Market research
- Client relationship management
- Regulatory compliance
- Effective communication
- Team collaboration
- Problem solving
- Goal setting
- Work Planning and Prioritization
- Stakeholder engagement
- Problem-solving
- Change management
- Multitasking and organization
- Client rapport
- Executive support
- Content management system
- Product life cycle management
- Data analytics
- Proposal development
- Risk assessment
- MS office
- Sales strategy
- Processes and procedures
- Project analysis
- Business analysis
- Best practices implementation
- Outcome accountability
- Process optimization
- Quality assurance
- Time management
- User support
- Organizational development
- Issue resolution
- Resource allocation
- Trend analysis
- Performance tracking
- Decision-making
- Business presentation
- Verbal and written communication
- Client relationships
- Attention to detail
Affiliations
- IOCP [Formerly NAPCP], member, 01/01/24
- NAPCP, member, 01/01/20, 12/31/23
- NEAFP, member, 01/01/14, 12/31/19
- TMANE, member, 01/01/12, 12/31/14
Veteran Status
USAF Veteran, SSGT
Timeline
Commercial Card & Virtual Card B2B Consultant, CEO & Founder - CNVC Consulting
04.2024 - Current
Commercial Card Product Manager, VP - BankUnited, N.A.
02.2020 - 11.2023
Commercial Card / Electronic Payments Product Manager, AVP - Santander Bank
06.2017 - 01.2020
Independent Accounting & Financial Consultant -
05.2016 - 06.2017
AML Compliance Officer, AVP - Citizens Bank N.A.
07.2015 - 05.2016
Product Management Associate, AVP - Citizens Bank N.A.
06.2013 - 07.2015
Corporate Cash Manager/Staff Accountant - REIT Management & Research LLC
04.2005 - 12.2012
Bentley University - MSBA/MBA,
IBM AI Product Management - , Coursera course
ABA, LinkedIn, Microsoft & Udemy - , Numerous product and workplace classes
Sequent Learning - , 2 Day corporate product management workshops
Northeastern University - , Accounting & Finance classes
University of Massachusetts - BA, Psychology/Spanish minor
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