Summary
Overview
Work History
Education
Skills
Volunteer Experience
Accomplishments
Languages
Timeline
Generic

Michael Kolwyck

Danville,CA

Summary

Dynamic Sr. Cash Management Specialist with a proven track record at Morgan Stanley, driving client expansion and retention through innovative cash management solutions. Expert in sales strategy and relationship building, achieving $2.7B in cash management product sales. Adept at public speaking and delivering customized wealth solutions that exceed client expectations. Experienced in fast-paced environments and adaptable to last-minute changes. Thrives under pressure and consistently earns high marks for work quality and speed. Results-driven individual with a solid track record in delivering quality work. Known for excellent communication and teamwork abilities, with a commitment to achieving company goals and delivering exceptional service. Passionate about continuous learning and professional development.

Overview

26
26
years of professional experience

Work History

Sr. Cash Management Specialist – Western Region (23 Markets)

MORGAN STANLEY
San Francisco, CA
Current - Current
  • Spearheaded cash management expansion aligned with regional growth while overseeing 8 Cash Management Specialists nationwide.
  • Managed the transition of the first iteration of cash management to the current launch of CashPlus.
  • Directed efforts toward increasing asset growth and deposits via enhanced banking platform.

Sr. Cash Management Specialist – Pacific Coast (17 Markets)

MORGAN STANLEY
San Francisco, CA
Current - Current
  • Recruited by Morgan Stanley to build out the cash management platform.
  • Collaborated across divisions and product groups to create client-capturing products and services.
  • Engaged with Product Managers and Executive Management to assess new services and solutions tailored for clients and Financial Advisors.
  • Helped successfully launch Morgan Stanley’s first true cash management account.
  • Nurtured confidence and established trust as a reputable Cash Management Specialist collaborating with Wealth Management, Financial Advisors, Private Bankers, partners, and clients.

Director of Cash Management Sales – Western Region (23 Markets)

MORGAN STANLEY
San Francisco, CA
10.2015 - Current
  • Drives internal sales through cash management to increase deposits, lending, and clients, achieving $2.7B YTD in cash management product and $36B YTD in savings product.
  • Increased sales 15% YOY, leading the #1 Region in the Nation.
  • Partners with Regional Management to create awareness and educate the region on identifying opportunities and articulating the value proposition of cash management.
  • Establishes a reputation of client focus and executional excellence, building trust with Advisors and Private Bankers to collaborate on cash management service opportunities.
  • Understands the competitive landscape and effectively communicates Morgan Stanley’s strengths.
  • Focuses on results and targets, exceeding goals through presentations, competitive analysis, lead generation, and loyalty/retention.
  • Performs public speaking engagements for both internal and external meetings, delivering educational sessions for Market Managers, Financial Advisors, and clients.
  • Prepares sales presentations that provide comprehensive solutions for clients’ cash management needs.
  • Utilized expertise to solution customized cash management offerings with clients by partnering with Wealth Management and taking lead on the entire lifecycle of the client journey; qualifying, prospecting, solutioning and driving revenue opportunities.

International Treasury Management Sales Consultant

WELLS FARGO BANK
San Francisco, CA
07.2014 - 09.2015
  • Served as a Subject Matter Expert on Global Treasury Solutions and Cash Management.
  • Partnered across banking groups and teams to establish a unified vision in selling international services to customers.
  • Understood international regulations and rules to assist businesses expanding globally.
  • Strategized and provided solutions to customers based on their current and future international needs, then executed on those solutions.
  • Focused on results and sales goals of assigned region, exceeding targets through presentations, competitive analysis, lead generation and nurturing, loyalty/retention, and cross-selling.
  • Met with Product Managers and Executive Teams to consider new services and solutions through customer interaction.
  • Delivered creative and customized treasury solutions to clients, leveraging international payments expertise.

Foreign Exchange Inside Sales

WELLS FARGO BANK
San Francisco, CA
01.2013 - 06.2014
  • Communicated with potential leads, using consultative selling skills to identify opportunities and overcome objections.
  • Negotiated and closed leads, adeptly conveying the benefits of FX products/services and generating customer interest.
  • Built relationships with key decision makers and matched customers with appropriate international solutions.
  • Understood new regulations, compiled proper documents, and satisfied compliance protocols for customer trade approvals.
  • Executed FX trades for clients: Spot, Forwards, Windows, Swaps, Orders, and Time Deposits.
  • Set customers up with FX online and proper cash management tools for money movement and reporting.

Foreign Exchange Specialist (Retail)/Inside Sales (BBG)

WELLS FARGO BANK
San Francisco, CA
01.2012 - 12.2012
  • Hybrid role supporting both Small Business Banking and Retail FX needs.
  • Provided Inside Sales support to both BBG Bankers and BBG Clients.
  • Executed FX trades for clients: Spot, Forwards, Windows, Swaps, Orders, and Time Deposits.
  • Worked with clients to set-up credit lines, conduct due diligence, and open multi-currency accounts.
  • Continued duties as a Region FX Specialist to Retail (branches, call centers).

Foreign Exchange Specialist (Retail)

WELLS FARGO BANK
San Francisco, CA
04.2010 - 12.2011
  • Pioneered a new approach to partnering with Retail and re-introducing FX Services.
  • Led the strategic and planning process for the Store network to cross-sell and up-tier retail clients.
  • Served as the point of contact for all FX inquiries and a leader exhibiting professionalism, product awareness, and teamwork skills.
  • Liaised between Retail leadership and International as a 'One stop Resource.'
  • Coordinated Training/Marketing to increase customers, revenue, and awareness of Foreign Exchange services.
  • Strategized with internal groups to enhance products and identify key functionality to keep Foreign Exchange Services cutting-edge.

Foreign Exchange Sales Representative

WELLS FARGO BANK
San Francisco, CA
02.2007 - 04.2010
  • Managed the roll-out of Foreign Exchange Online for Small Business customers across the entire Wells Fargo footprint.
  • Managed product, technical aspects, and sales nationwide, building and leading a Sales Team.
  • Grew small business revenue year over year from $300k in 2007 to $2MM in 2010.
  • Sold product to customers and negotiated FX rates.

Technical Sales Consultant – Foreign Exchange Services

WELLS FARGO BANK
San Francisco, CA
04.2005 - 02.2007
  • Generated revenue by increasing foreign exchange related volume from various products, with a focus on technical interfaces or third-party distribution partnerships.
  • Primary liaison between FX Specialist teams, Relationship Managers, third-party distribution partners, and internal implementation teams.
  • Identified and engaged with potential service intermediaries and partners to assist Wells Fargo in distribution and delivery of FX services and create new revenue streams.
  • Completed RFP and won business with AAA to provide FX Services to their customers.
  • Managed a team to create and implement a new service/product for the Small Business customer segment – Foreign Exchange Online.

QA Coordinator – eCommunications

CHARLES SCHWAB
San Francisco, CA
03.2003 - 10.2004
  • Developed QA Test Plans and Test Scripts for all eCommunications projects (e-mail, wireless mobile device components, e-statements, eGain, web).
  • Worked with Business/Technology partners to coordinate test scheduling, timing, and resource/cost estimation.
  • Identified requirements, applied customer knowledge in designing new features and testing strategies, isolated and reported bugs, and ensured Schwab remained a top choice for investing.
  • Managed testing coordination with offshore resources (WIPRO, Mphasis) and third-party vendors.

Project Manager – Integrated Customer Information Retail Technology

CHARLES SCHWAB
San Francisco, CA
02.2001 - 03.2003
  • Worked with Business partners during the discovery phase to coordinate project scope, timing, and resources.
  • Managed ICI projects from development through implementation.
  • Served as the first point of contact for ICI production support.
  • Presented weekly to the management committee on project status updates, including development progress, implementation, and completion.
  • Oversaw the development and enhancement of a 3rd Party Privacy Data Repository and Schwab Technology Privacy Basics training.
  • Worked with ISS and Business to complete standards and procedures for all security measures with a business impact.

Product Manager – Schwab Global Technology

CHARLES SCHWAB
San Francisco, CA
04.2000 - 02.2001
  • Liaised between Japan and US offices for all technology-related issues.
  • Worked with International Business partners during the concept phase to establish project scope, costs, timing, and resources.
  • Led internal and external project personnel for requirements, design, implementation, testing, and release of e-commerce/web projects.
  • Maintained a cohesive team (QA, Developers, Business Analysts, Business PM) for collaborative work.
  • Managed enhancements for Charles Schwab Tokio Marine (CSTM), coordinating with business partners and overseeing development/QA teams.
  • Wrote functional specifications and built trading system enhancements (decimalization, commission costs, capital gains) for US-Japan securities trades.
  • Scheduled maintenance releases for CSTM and supported the release.
  • Developed site strategic and tactical plans to improve site and internal testing of functionality and user acceptance.
  • Displayed strong technical skills for all technical aspects of projects, understanding development and implementation processes.

Project Manager – Schwab International Global Expansion

CHARLES SCHWAB
San Francisco, CA
05.1999 - 04.2000
  • Planned global product strategy, plans for launching Schwab Japan, and advised on the suite of products to offer local clients.
  • Developed strategy presentations, pitch decks, and updates for Senior Management and internal staff (US and Japan).
  • Responsible for ensuring Y2K compliance in Japan.
  • Fostered good team dynamics and kept the team focused to meet strict deadlines.
  • Assisted in the creation of Schwab Japan training courses, production of Chuck Schwab’s book in Japanese (25,000 copies), and the initial start-up of an outsourced 40-person call center operation in Japan.
  • Delegated project tasks and supported all sections of the Japan Project.

Education

Bachelor of Arts - Economics

UNIVERSITY OF CALIFORNIA, DAVIS
Davis, CA

Product Management, Financial Economics, Transition of Chinese Economy

UNIVERSITY OF CALIFORNIA, BERKELEY
Berkeley, CA

Study Abroad Program - Economics / Japanese

WASEDA UNIVERSITY
TOKYO, JAPAN

Skills

  • Wealth Management
  • Financial acumen
  • Cash Management Solutions
  • Client Expansion and Retention
  • Sales strategy
  • Client relationship
  • Cash management
  • Team leadership
  • Public speaking
  • Client onboarding
  • Wealth Services
  • High-Level Advice
  • Client Engagement
  • Private Wealth Management
  • Customized Wealth Solutions
  • Investing
  • Trust and Estates
  • Financial Planning
  • Insurance
  • Alternative Investments
  • Tax Considerations
  • Sales
  • Business Development
  • Lead Qualification
  • Territory Management
  • Client/Customer Service
  • Relationship Building
  • Follow-Up Skills
  • Presentation Skills
  • Cross-Selling
  • Brand Recognition
  • Strategy Development
  • Project Management
  • Software Development Life Cycle
  • Multi-Divisional Deployments
  • Operations Mapping
  • Receivables Analysis
  • Payables Analysis
  • Information Reporting
  • Liquidity Management
  • Fraud Management
  • Competitor Research
  • Client Satisfaction
  • Creative Solutions
  • Problem-Solving
  • Business Judgment
  • Multitasking
  • Treasury Solutions
  • International Payments
  • Tableau
  • Salesforce CRM
  • MS Office Suite
  • Visio

Volunteer Experience

  • Community Campaign Support Leader
  • Habitat for Humanity Volunteer
  • Rebuilding Together Volunteer
  • City of Dublin Fair Manager
  • Junior Achievement
  • United Way
  • SCORES

Accomplishments

  • Specialist of the Year
  • Clocky Award

Languages

Japanese
Professional

Timeline

Sr. Cash Management Specialist – Western Region (23 Markets)

MORGAN STANLEY
Current - Current

Sr. Cash Management Specialist – Pacific Coast (17 Markets)

MORGAN STANLEY
Current - Current

Director of Cash Management Sales – Western Region (23 Markets)

MORGAN STANLEY
10.2015 - Current

International Treasury Management Sales Consultant

WELLS FARGO BANK
07.2014 - 09.2015

Foreign Exchange Inside Sales

WELLS FARGO BANK
01.2013 - 06.2014

Foreign Exchange Specialist (Retail)/Inside Sales (BBG)

WELLS FARGO BANK
01.2012 - 12.2012

Foreign Exchange Specialist (Retail)

WELLS FARGO BANK
04.2010 - 12.2011

Foreign Exchange Sales Representative

WELLS FARGO BANK
02.2007 - 04.2010

Technical Sales Consultant – Foreign Exchange Services

WELLS FARGO BANK
04.2005 - 02.2007

QA Coordinator – eCommunications

CHARLES SCHWAB
03.2003 - 10.2004

Project Manager – Integrated Customer Information Retail Technology

CHARLES SCHWAB
02.2001 - 03.2003

Product Manager – Schwab Global Technology

CHARLES SCHWAB
04.2000 - 02.2001

Project Manager – Schwab International Global Expansion

CHARLES SCHWAB
05.1999 - 04.2000

Bachelor of Arts - Economics

UNIVERSITY OF CALIFORNIA, DAVIS

Product Management, Financial Economics, Transition of Chinese Economy

UNIVERSITY OF CALIFORNIA, BERKELEY

Study Abroad Program - Economics / Japanese

WASEDA UNIVERSITY

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