Summary
Overview
Work History
Education
Skills
Timeline
Generic

Chris Ciavarro

Chagrin Falls

Summary

Motivated business manager that has demonstrated an ability to deliver strategic advice and establish positive internal and external relationships with a focus on results. Interested in applying experience in an executive role with an organization focused on growth.

Overview

22
22
years of professional experience

Work History

SVP, Commercial Banking Leader

KeyBank
01.2024 - Current
  • Lead middle market business development team in Key's headquarter market of Cleveland, covering businesses ranging from $10MM-$1B in annual revenue.
  • Directly manage team of Relationship Managers and Treasury/Payments specialists responsible for driving new loan and deposit business.
  • Leverage Key's assets inclusive people, sponsorship opportunities, unique entertainment opportunities, to grow new and deepen existing relationships.
  • Responsible for bringing the entirety of Key's platform to market to include private banking and capital markets capabilities.

Vice President, Product Manager - Government Payment Cards

JPMorgan Chase, Corporate and Investment Bank
04.2010 - Current
  • Product Management - Establish business strategy to maintain and grow market leadership position for a $110MM government payment card business consisting of 35 state and various municipal clients. Create product roadmaps that define short, medium, and long term strategic and client-oriented objectives. Lead cross-functional partners to achieve roadmap objectives. Continuous P&L management of the business including all support functions.
  • Responsible for delivering new product functionality including account alerts; web, iOS, and Android mobile ATM locator app; and cardholder banking website.
  • Build client dashboards to highlight key program metrics, introduce new product features, and emphasize program enhancement opportunities for ongoing relationship management.
  • Developed fraud monitoring and reduction strategies to limit expense liability and implement core risk mitigation controls.
  • Responsible for monthly revenue and cardholder behavior metric reporting necessary for planning, reporting and analysis purposes across business units.
  • Ensured compliance with:
  • O Dodd-Frank Amendment to Dodd-Frank Financial Reform Act of 2010
  • O Federal Reserve Regulations E and P
  • O Anti Money Laundering, Office of Foreign Asset Control, Customer Identification Program, Telephone Consumer Protection Act, Unfair Deceptive and Abusive Acts and Practices
  • O Court Order, Levy, and Subpoena management
  • Financial Management – Identify and execute against various expense reduction strategies to improve profitability. Challenge functional partners to discover new opportunities to progress financial performance leveraging resources across the firm and vendor relationships.
  • Deliver against multiple unit cost reduction strategies to increase profitability across product suite:
  • O Enhanced consumer facing training materials and service channel experience, $500k savings
  • O Converted monthly statement issuance from paper to electronic delivery, $2MM savings
  • O Identified and remediated international-based transaction revenue risk, $400k savings
  • Responsible for vendor selection and oversight for services critical to business operations – Signature, PIN-debit, and surcharge free ATM networks, card production, transaction gateway, card personalization, account alerts.
  • Conducted portfolio analysis to determine optimal cash access strategies and implemented changes to in-network ATM access.
  • Successfully negotiated teaming agreements with regional FIs for strategic in-network ATM access partnerships.
  • Lead monthly Prepaid and EBT network strategy business review where signature, PIN, over-the-counter and ATM network opportunities are identified and executed.
  • Developed account alerts to reduce costly customer service contact points.
  • Business Development – Coordinate sales solution strategies for new prospects and client retention initiatives that meet or exceed evaluation criteria. Responsible for core sales content, pitch books, marketing collateral, product branding and market positioning.
  • Client facing business representative responsible for building sales presentations, negotiating contract terms, and planning oral presentations for programs ranging from $100k - $2MM annually.
  • Led rewrite of core sales content including new text, consistent branding, and simplified imagery utilizing contemporary concepts.
  • Create strategic solutions driven by client requirements and evolving market conditions, and craft technical responses to describe proposed system capabilities.
  • Bundled core platform configurations to create sales proposals and marketing collateral to establish product offerings that require minimal customization to implement and meet customer requirements.
  • O Awarded the first wholesale income tax refund prepaid card solution to be implemented in the county, grew segment to six state programs contract.
  • Business Manager
  • Product Innovation & Technology Development
  • Business Development
  • Brand Management
  • Project Management
  • Deal Structure & Contract Management
  • Client Solutions
  • Government Clients

SVP, Middle Market Payments

KeyBank
09.2022 - 12.2023
  • Led business development and service team of 20+ individuals covering >1,000 treasury services clients throughout the midwest.
  • Delivered on new business production and client retention objectives.
  • Led Key's deposit growth initiative in the wake of the 2023 regional bank crisis for the Commercial Bank by developing data driven go-to-market strategies for the company to execute nationally.
  • Responsible for portfolio/rate management associated with book of >$1B on-balance sheet deposits.

SVP, Public Sector Payments

KeyBank
03.2016 - 09.2022
  • Led business development and service team of 20+ individuals covering >1,000 treasury services clients across the US.
  • Consistently delivered on new business production and client retention objectives.
  • Led deal teams responsible for delivering new recurring fee revenue streams primarily via card and merchant services sales, across state, local, and Native American entities.
  • Responsible for portfolio/rate management associated with book of >$12B on-balance sheet deposits.
  • Led Key's COVID response for public sector entities which including disbursement of unemployment insurance for 8 state workforce agencies. This work required collaboration across various internal lines of business: Executive Leadership, branch network, technology, operations, public relations, service - and external stakeholders: state and federal government officials, media organizations, third party service providers, and law enforcement.


VP, Sr. Product Manager

KeyBank
03.2014 - 03.2016
  • Led cross-functional teams to drive strategic initiative of building card capability for commercial clients.
  • Developed and implemented business strategies to drive fee-based business within public sector vertical.
  • Cultivated high-level relationships with stakeholders to strengthen partnerships and facilitate collaboration across departments to bring new product to market.

Senior Business Analyst, Government Prepaid Cards

JPMorgan Chase, Treasury Services
12.2007 - 03.2010
  • Responsible for eliciting and documenting business requirements for application changes, process improvements, and product enhancements from stakeholders across the organization.
  • Managed business requirements through all phases of project delivery lifecycle.
  • Executed numerous ATM and PIN-debit network configuration changes resulting in multi-million dollar annual expense savings.
  • Lead line of business validation coordinator for WAMU ATM integration into Chase network.
  • Managed transaction monitoring activities in support of disaster recovery exercises.
  • Teamed with partners across lines of business to forecast expense savings opportunities and prepare initiative presentation materials delivered to multiple lines of business for project approval and resource allocation.
  • Worked with vendor relationships including Visa, MasterCard, and Fiserv, to reserve Bank Identification Numbers (BIN) for JPMorgan, and execute BIN level changes to existing BIN assignments.

Staff Analyst, Trade and Logistics

JPMorgan Chase, Treasury Services
10.2006 - 12.2007
  • Conducted gap analysis for transitioning second phase of new managed services client.
  • Collaborated with internal and client management teams to identify post transition risks, develop internal tools and business processes to meet client requirements.
  • Worked with multiple lines of business and client management across business functions to proposed recommended business processes.
  • Responsible for the analysis of client manufacturing and sourcing data to determine the eligibility of imported and exported goods in accordance with international Free Trade Agreements.
  • Responsible for executing operations against aggressive service level agreements.
  • Collaborate with client contacts to document existing client operations, discovery of operations not defined within contract, and participate in onsite client training activities.
  • Establish client contacts needed to access client systems needed to analyze client data against compliance with the rules and regulations of the US Department of Customs and Border Protection.

Marketing Coordinator, Waltownwood Properties

Singh Development
12.2005 - 04.2006
  • Establish community awareness; develop relationships to generate community interest leading to referral generation through concise personal and business to business marketing.
  • Execute sales lead database management efficiently to secure apartment reservations prior to community opening.
  • Develop and execute community outreach program to seek out and expand on all opportunities to develop the recognition and reputation of Waltownwood property in new market.

Trade Analyst, Trade and Logistics

Sandler & Travis Trade Advisory Services, Inc.
09.2005 - 12.2005
  • Responsible for soliciting international commerce data utilizing the General Motors mainframe system for the General Motors Europe, and the Trade and Tariff Management System – Canada.
  • Manage operations databases, and prepare of statistics corresponding to both the client, and specific business unit.
  • Solicit and qualify automotive components for NAFTA trade preference utilizing the General Motors mainframe system, and the Trade and Tariff Management System – Canada.
  • Responsible for the maintenance of databases, and preparation of statistics corresponding to both the client, and specific business unit.

Intern, Trade and Logistics

Sandler & Travis Trade Advisory Services, Inc.
09.2003 - 12.2003
  • Responsible for soliciting international commerce data utilizing the General Motors mainframe system for the General Motors Europe, and the Trade and Tariff Management System – Canada.
  • Manage operations databases, and prepare of statistics corresponding to both the client, and specific business unit.
  • Solicit and qualify automotive components for NAFTA trade preference utilizing the General Motors mainframe system, and the Trade and Tariff Management System – Canada.
  • Responsible for the maintenance of databases, and preparation of statistics corresponding to both the client, and specific business unit.

Education

Bachelor of Science - Marketing

Northern Michigan University
Marquette, MI
05.2005

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University of Vienna
12.2003

Skills

  • Strategic leadership and people development
  • Relationship Building
  • Revenue generation
  • Partnership development
  • Financial acumen
  • Cross-functional collaboration

Timeline

SVP, Commercial Banking Leader

KeyBank
01.2024 - Current

SVP, Middle Market Payments

KeyBank
09.2022 - 12.2023

SVP, Public Sector Payments

KeyBank
03.2016 - 09.2022

VP, Sr. Product Manager

KeyBank
03.2014 - 03.2016

Vice President, Product Manager - Government Payment Cards

JPMorgan Chase, Corporate and Investment Bank
04.2010 - Current

Senior Business Analyst, Government Prepaid Cards

JPMorgan Chase, Treasury Services
12.2007 - 03.2010

Staff Analyst, Trade and Logistics

JPMorgan Chase, Treasury Services
10.2006 - 12.2007

Marketing Coordinator, Waltownwood Properties

Singh Development
12.2005 - 04.2006

Trade Analyst, Trade and Logistics

Sandler & Travis Trade Advisory Services, Inc.
09.2005 - 12.2005

Intern, Trade and Logistics

Sandler & Travis Trade Advisory Services, Inc.
09.2003 - 12.2003

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University of Vienna

Bachelor of Science - Marketing

Northern Michigan University