Crystal D. Stephens
Oxford,MI
Summary
Dynamic Treasury Management Product Management Team Leader at Comerica Bank, who is passionate about improving the lives of people and their businesses by using technology to improve how the banking industry operates and addresses their pain points, with expertise in receivables, payment architecture, and strategic partnerships. Proven track record in driving innovation and enhancing operational efficiency, leveraging out-of-the-box thinking, and effective communication to deliver impactful solutions to customers by fostering cross-functional collaboration and out-of-the-box thinking.
Overview
24
24
years of professional experience
Work History
Treasury Management Product Management Team Leader, Vice President
Comerica Bank
Auburn Hills, USA
01.2014 - Current
- Treasury management product strategist for Comerica Bank’s receivables product offerings, including Artificial Intelligence.
- Product manager for enterprise GlobalScape (sFTP) platform.
- Facilitated training programs to mentor staff and promote professional development.
- Coordinated project timelines and resources to ensure successful execution of initiatives.
- Managed stakeholder relationships to align project goals with company objectives.
- Facilitated creation and implementation of strategy designed to grow business.
- Worked closely with marketing and sales organizations to develop marketing plans and sales partnership strategies.
- Work closely with various information services, business and vendor teams to define the long term roadmap and direction of the 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.
- Led cross-functional teams to enhance operational efficiency and streamline processes.
- Coordinated 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 the 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 in order 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 regarding price, creating design proposals, requirements and scope clarifications.
- Exhibited leadership abilities in project/application solution designs and problem resolution proposals regarding out of date legacy systems, delivery and integration issues.
Senior Application Engineer, Vice President
Comerica Bank
01.2002 - 01.2008
- Assisted in preparing and researching software development improvements for existing and future product(s) to be marketed by Comerica.
- Continuously supported internal /external clients (4-6 treasury clients and 600 external bank customers) by providing software development, product support, consulting assistance, product/contract negotiations, and future insights.
Education
Bachelor of Science - Management Information Systems-Emphasis in Business
William Jewel College: Foreign Exchange Program
Liberty, MO01.1997
Bachelor of Science - Pryor Leadership Program
William Jewell College
Liberty, MOSkills
- Account Receivables consultant and SME
- Agile methodology
- API(s) and SDK(s)
- Business processes, strategies, and trends
- Corporate communications
- Customer relationship management
- Data analysis
- DynaTrace and OVO monitoring
- Effective communication
- Financial planning and forecasting
- GlobalScape (sFTP) and information systems
- Innovation and creativity
- Integration(s)
- Mentorship and training
- Payment formats: BAI2, ISO2002, NACHA, SWIFT, XML, etc
- Payment/Receivables architecture and strategy
- Problem solving
- Project coordination
- Strategic partnerships
- Treasury management
- Vendor relationship management
Recent Speaking Engagements
- To be Updated
Timeline
Treasury Management Product Management Team Leader, Vice President
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
Senior Application Engineer, Vice President
Comerica Bank
01.2002 - 01.2008
Bachelor of Science - Management Information Systems-Emphasis in Business
William Jewel College: Foreign Exchange Program
Bachelor of Science - Pryor Leadership Program
William Jewell College