Crystal D. Stephens
Oxford,MI
Summary
Experienced team leader in treasury management, with a proven track record in driving innovation and operational efficiency. Expertise in strategic partnerships and leveraging technology to improve customer experiences. Committed to delivering impactful solutions that meet client needs.
Overview
24
24
years of professional experience
1
1
Certificate
Work History
Treasury Product Manager Team Leader, VP
Comerica Bank
Auburn Hills, USA
01.2014 - Current
- Treasury management product strategist for Comerica Bank's receivables product offerings, including Artificial Intelligence and machine learning.
- Product manager for enterprise GlobalScape (sFTP) platform.
- Facilitate training programs to mentor staff, driving professional development and team productivity.
- Coordinate project timelines and resources, ensuring successful execution and alignment with company objectives.
- Manage strategic partnerships to align project goals with client needs, enhancing customer satisfaction.
- Lead the development and implementation of strategic business growth initiatives, resulting in enhanced operational efficiency.
- Collaborate with cross-functional teams to define and execute long-term product roadmaps and business strategies.
- Work closely with various information services, business, and vendor teams to define long-term roadmap(s) and direction of product(s).
- Work with UX designers to build out prototypes, conduct customer interviews, and streamline User Interface delivery of products to customer base.
- Develop revenue strategies and deliver business case and yearly revenue projections.
- Lead cross-functional teams to enhance operational efficiency and streamline processes.
- Coordinate vendor performance reviews to assess service quality and compliance.
Enterprise Payment Application Architecture Manager (EPA), Vice President
Comerica Bank
Auburn Hills, USA
01.2010 - 01.2014
- Product evangelist and champion of Comerica Bank's enterprise payment solutions, providing consultation, advocacy, and advisory services to the bank.
- Specialized in credit, corporate, retail, treasury, and information services, including software development, operational support, infrastructure engineering, and payment operations.
- Presented strategies that merged existing architecture landscape of the business and addressed pain points and future growth/revenue opportunities.
- Provided strategic recommendations on payment hub design and integration components, including consolidation of multiple treasury systems onto the platform.
- Afforded opportunity to reuse payment channel investments while delivering core capabilities, resulting in shorter time to market and reduced operational, license and associated infrastructure costs.
- Forecasted ~$10 million in cost avoidance/savings based on existing payment hub portfolio of projects.
Lead Solution Architect, Vice President
Comerica Bank
Auburn Hills, USA
01.2002 - 01.2010
- Oversaw Payment Strategy while working as an Architect on various bank infrastructure projects.
- Developed standards and repetitive patterns to improve efficiencies.
- Leveraged payment hub to deploy user interface to all banking centers and automated the ability to initiate wires while taking advantage of foreign exchange auto conversion revenue.
- Solution Architect aligned to Business Bank Treasury applications and projects such as commercial treasury products delivered via web portal and file transfer.
- Led in the creation of the Enterprise Payments Architecture (EPA) strategy, project selection, and Business Case approval.
- Consulted with lines of business on payment hub opportunities such as leveraging the wire channel to onboard EDI channel initiation of wires, with extended remittance data, and its alignment with their strategic roadmaps.
- Oversaw vendor negotiations about price, creating design proposals, requirements, and scope clarifications.
- Exhibited leadership abilities in project/application solution designs and problem resolution proposals for out-of-date legacy systems, delivery, and integration issues.
Education
Bachelor of Science - Management Information Systems
William Jewell College
Liberty, MOHarlaxton College: Foreign Exchange Program
Grantham, EnglandEnhancing Leadership Capabilities
William Jewell College: Pryor Leadership Program
Liberty, MOSkills
- Strategic leadership
- Cross-functional collaboration
- Team development
- Innovation in banking solutions
- Client and vendor relationship management
- Risk management
- Account payables/receivables consultant, strategist, and SME
- Financial planning and forecasting
- GlobalScape (sFTP) and payment systems
Timeline
Treasury Product Manager Team Leader, VP
Comerica Bank
01.2014 - Current
Enterprise Payment Application Architecture Manager (EPA), Vice President
Comerica Bank
01.2010 - 01.2014
Lead Solution Architect, Vice President
Comerica Bank
01.2002 - 01.2010
Bachelor of Science - Management Information Systems
William Jewell College
Harlaxton College: Foreign Exchange Program
Enhancing Leadership Capabilities
William Jewell College: Pryor Leadership Program
Certification
- Comerica Bank, Auburn Hills, MI, Senior Application Engineer
- Perot Systems, Detroit, MI, Senior Application Architect
- Flagstar Bank, Bloomfield Hills, MI, Senior Software Developer
- Advance America, Spartanburg, SC, Software Developer
- Ferrellgas, Overland Park, KS, Software Developer
- Marketing Solutions Group, Overland Park, KS, Software Developer
Awards and Recent Speaking Engagements
- 2026 Comerica Bank Promise Champion
- Strategic Treasurer, Itemize and Comerica: AI in Finance, Justification and Use for Treasury Management
- Deluxe Exchange: AI in Receivables, Receivables Nirvana
- Superior: Smarter Faster Payments, Payment Platform Conversions
- Dallas AFP Big D, TEXPO, Great Lakes AFP, Customer Forum: Receivables Nirvana