Marilyn Bentley
Summary
Digital Banking and Payments enthusiast with over 25 years of financial services industry experience, along with a proven track record of growth within digital banking products and payment services. I thrive in a fast paced environment, and enjoy working independently and within a team, always embracing a positive attitude with the goal of delighting the end user in every interaction.
Overview
24
24
years of professional experience
1
1
Certification
Work History
Director of Payments
United Federal Credit Union
12.2022 - Current
- Director of Payments oversees the daily management of the Credit Union's Electronic Funds Transfer and Card Operations divisions, ensuring that all functions within payment operations are completed with a high degree of accuracy, efficiency, and quality
- Responsible for payment strategy and leadership for payment operations
- Key success factors include operational expense management, efficient operations, making sure SLAs are consistently met, and compliance with regulatory guidelines
- Creates and implements payment operations plans to provide creative, economical, effective, and compliant solutions
- Functions as a subject matter expert for payment operations, specifically ACH, Wire Transfers, debit and credit card issuance and servicing
- Implemented RTP and FedNow (receive) in December 2023.
Senior Product Manager, Deposits Product and Money Movement
Wells Fargo Bank
12.2021 - 12.2022
- Senior Product Manager responsible for the domestic and international wire transfer user experience through three channels: online, in-branch and Voice Response Unit (VRU).
- Partnered with control, compliance and legal partners to track regulatory matters needing corrective actions, working with technology partners to rectify known issues.
- Lead bug triage meetings to ensure alignment with developers and testers on prioritization of remediation.
- Acted as a consultant for short to long-term goals of product consolidations, cost-reduction and rapid platform optimization initiatives in order to satisfy an aggressive corporate strategy and goals for 1, 3 and 5 year financial targets.
Product Manager, Up Market and Commercial Services
Fiserv
03.2021 - 12.2021
- Product Manager for Commercial Center, a treasury online banking product suite
- Areas of oversight included domestic and international wire transfers, ACH origination and antifraud solutions (Positive Pay)
- Acted as business subject matter expert for creating communications in partnership with communications and marketing teams to announce new feature services and enhancements internally and to clients
- Defined epics and features and relayed requirements to Product Owners
Senior Product Owner, Card Services
Fiserv
09.2018 - 03.2021
- Defined and executed product strategy and maintained product backlog for Online Account Management, a credit card self-service platform.
- Created user stories of new functionality for refinement with developers and testers, partnering daily during each sprint to ensure alignment on product vision.
- Triaged bugs to ensure developers and testers managed their workload based on severity.
- Orchestrated a successful responsive website redesign and relaunch, boosting the credit card self-service platform's adoption by 16% in collaboration with Pivotal Labs.
- Leveraged latest market trends and competitive analysis to redesign the enrollment, login and Forgot Your Password user journeys, resulting in a 85% improved user experience based off of direct end-user feedback
- Acted as liaison between sales and client servicing teams to perform demonstrations of existing product features and upcoming enhancements.
Senior Product Manager, Internet and Mobile Banking
VyStar Credit Union
12.2014 - 09.2018
- Product Manager for Online, Mobile, SMS Banking and Payment systems heavily utilized by over 300,000 consumers and small businesses
- Provided tactical planning of current and new service offerings through analysis of emerging industry trends and member surveys
- Collaborated with Marketing, Information Systems and Training Departments to ensure successful configuration, testing, and post deployment support of new digital products and features across the organization
- Interacted daily with domestic and international service provider project teams regarding current and upcoming initiatives
- Led successful Online and Mobile Banking conversion of over 280,000 members to a new digital banking application
- Drove integration of Apple Pay digital wallet and biometric login within Mobile Banking Android and iOS applications, resulting in a 25% increase in application user adoption rates
- Turned analysis into action by creating a business case and securing Executive Management approval for implementation of Zelle to provide membership with a robust Peer to Peer payment system
- Served as the business product lead in planning, developing and implementing CardValet, a mobile application enabling members to manage their debit cards, satisfying a key business plan item for 2018
- Proactively renegotiated a key vendor contract, resulting in an annual cost savings of $1.3MM for the 2018 fiscal year
Assistant Vice President, Electronic Banking Manager
The Jacksonville Bank
07.2008 - 11.2014
- Provided managerial oversight and product management of Electronic Banking products and services
- Monitored metrics related to domestic and international Wire Transfers, Remote Deposit capture and ACH activity
- Served as the compliance officer for Regulation E., VISA and NACHA Operating Rules
- Managed the bank's debit and prepaid card portfolio
- Created the bank's first Electronic Banking Department, a division necessary to meet strategic plan for growing deposits and adoption rates of Treasury Management products and services
- Developed, implemented and managed new product offerings, including consumer and business Mobile Banking applications, Online Account Opening, Check and ACH Positive Pay, Full, Partial and Deposit Account Reconcilement, Extended Account Analysis and International Wire Transfers
- Increased the bank's portfolio of Treasury Management clients by 60% during tenure, resulting in a 40% increase in annual revenue for Treasury Management services
Deposit Operations / Electronic Banking Officer
The Jacksonville Bank
07.2008 - 11.2014
- Provided oversight of operational responsibilities relating to Online Banking, Treasury Management and deposit services
- Responsible for ACH Origination, Wire Transfer and Bill Payment monitoring and client support
- Implemented the bank's first Remote Deposit Capture program, resulting in a 30% increase in deposits, creating front and back office efficiencies and improving client satisfaction
Electronic Banking Assistant Manager
Union State Bank
03.2001 - 01.2008
- Managed Automated Clearing House (ACH) file origination and wire transfers on behalf of more than 200 Treasury Management clients
- Part of the core team for implementing the bank's first website and Online Banking system
- Created and tested use cases for Bill Payment and ACH Origination
- Performed demonstrations of Online Banking and Treasury Management systems to prospective clients through partnership with Treasury Management sales officers
Skills
- Domestic and International Wire Transfers
- NACHA Operating Rules and Risk Management
- P2P/B2B/B2C Payments
- Real Time Payments
- Check Processing
- Consumer and Business Digital Banking Applications
- Agile and Waterfall methodologies
- Regulation E
Certification
Accredited ACH Professional (AAP) - NACHA
http://www.linkedin.com/in/marilynrbentley
Awards
- Voted Top Back Office (Electronic Banking Department), The Jacksonville Bank, 2014
- Banker of the Year, The Jacksonville Bank, 2010
- Banker of the Year Service Award for Excellence, Union State Bank, 2005
- 2004 Web Award from the Web Marketing Association for outstanding achievement in Web site development, Union State Bank, 2004
Memberships
PAYMENTS ASSOCIATION - DIRECT MEMBER
The Clearing House Payments Authority
Timeline
Director of Payments
United Federal Credit Union
12.2022 - Current
Senior Product Manager, Deposits Product and Money Movement
Wells Fargo Bank
12.2021 - 12.2022
Product Manager, Up Market and Commercial Services
Fiserv
03.2021 - 12.2021
Senior Product Owner, Card Services
Fiserv
09.2018 - 03.2021
Senior Product Manager, Internet and Mobile Banking
VyStar Credit Union
12.2014 - 09.2018
Assistant Vice President, Electronic Banking Manager
The Jacksonville Bank
07.2008 - 11.2014
Deposit Operations / Electronic Banking Officer
The Jacksonville Bank
07.2008 - 11.2014
Electronic Banking Assistant Manager
Union State Bank
03.2001 - 01.2008
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