MICHAEL T. VERNON
TD Bank
Wilmington,DE
25
Years of experience
Strategic marketing and analytics professional focused on revenue growth through data-driven campaign testing and portfolio insights. Leads cross-functional execution and executive reporting to support acquisition performance tracking and business planning. Applies Tableau, Salesforce, Jira, and Excel to translate performance data into actionable decisions.
Work History
MARKETING MANAGER MOTOR SPORTS
11 Years- Created, maintained and managed relationships with key retail partners and distributors.
- Created sales and marketing campaigns to drive lead generation for channel partners.
- Coordinated third-party marketing campaigns and channel schedules.
- Maintained relationships with broker, vendor, and merchant partners.
- Identified potential areas of improvement in existing channel operations.
- Managed logistics operations to ensure efficient inventory and shipping processes such as inventory management, order fulfillment and shipping processes across multiple channels.
- Negotiated terms of agreements with external vendors related to channel operations.
SYSTEMS ANALYSTS, RE-PRICING CORPORATE OPERATIONS
11 Years- Adjusted customer pricing on banking products based on credit performance using an internal platform to optimize competitiveness.
- Informed business and technology stakeholders at MBNA America Bank of system impacts to align project expectations.
- Facilitated testing for system changes and release updates at MBNA America Bank to ensure seamless implementation.
SR LOAN REVIEW ANALYST SPECIALIZED LENDING
11 Years- Reviewed credit applications for MBNA consumer card approval and policy compliance
- Analyzed credit bureau reports and account histories for lending decisions
- Evaluated fraud alerts and identity discrepancies during applicant reviews
- Applied underwriting guidelines to borderline applications and exceptions
- Researched applicant data across bank systems and external credit sources
- Performed quality assurance checks on all reviews received before finalizing data collection.
SR ADVISOR SMALL BUSINESS INSIGHTS
3 Years 9 Months- Leading the execution of the sales incentive monitoring programs for the US Wealth platforms in accordance with the Federal/State oversight rules and regulations.
- Leveraged sales data across various platforms to provide analytical insights and assess program effectiveness against intended outcomes.
- Delivered analytical support on business performance metrics (ROI/KPIs/P&Ls) to drive informed decision-making.
- Generate multidimensional views that drive business growth and value.
- Leverage US Wealth customer portfolio data to identify opportunities for campaign growth.
- Advised business leaders and internal stakeholders on strategies to enhance operational effectiveness.
- Conducted ad hoc analysis to address specific business questions and support decision-making and communication of results to executive leadership.
- Subject matter-expert on the US Wealth data reporting process for cross-functional business and enterprise-wide project initiatives.
VP MARKETING ANALYTICAL CAMPAIGN MANAGEMENT
1 Year- Enhanced analytics in Direct Mail channel, led product, offer, and contact strategy while utilizing targeting and test/learn strategies to improve campaign performance.
- Led product, channel and offer decisioning and optimization for credit card acquisitions.
- Lead cross channel marketing investment optimization through cross channel synergies which will drive marketing efficiencies.
- Led analytics to deliver profitability and return KPIs from granular optimization strategies.
- Identified opportunities to drive growth through operating decisions and articulated incremental P&L impact.
- Managed end-to-end project to develop strategy, build consensus among cross-functional stakeholders, and implement recommendations that resulted in cost reductions.
- Collaborated with the internal modeling and analytics team. Built cross functional partnerships with key stakeholders in Marketing, Product, Finance, and Risk organization which led to Team environment which removed the Silo effect.
- Accountable for audit and control requirements
VP MARKETING INSIGHT SPECIALIST
5 Years- Synthesize complex and vast amounts of information and translate into actionable insights and strategy.
- Lead the interpretation of complex business issues, generate multifaceted insights and identify opportunities to help drive business.
- Identified opportunities for business growth within a specific business/function using potential use cases and value drivers.
- Work closely with business partners to gain a deep understanding of the business and relevant goals to contribute to the strategic direction of the respective business and/or the enterprise.
- Formulate relevant and meaningful data analysis through comprehensive profiling tools, segmentation, as well as leveraging analytics.
- Led analytics and insights initiatives for team members and collaborated with senior leadership on significant projects.
- Collaborated with partners to address business challenges, delivering analytical advice that aligned with strategy and supported shareholder value.
- Leverage knowledge of data capabilities to build and deliver insights.
- Served as the primary interface with the business, translating requirements into analytics and reporting needs for a specific domain/business.
MARKETING MANAGER
2 Years- Proposed strategic direction, promotional offers, product mix, and communication channels to enhance retention initiatives.
- Led the implementation of process improvements and oversight of external vendor resources toward creative development and email deployment.
- Set creative direction for development and version control for direct email and social media.
- Conducted comprehensive competitive research to validate information in marketing collateral.
- Worked closely with both cross-functional and affiliate resources for effective project execution.
- Thoroughly assess test results while providing insights used in testing and revalidation strategies.
- Managed special initiatives with precise record-keeping and oversight.
MARKETING MANAGER
4 Years- Expertly managed the creative agency from pre- to post-production, including creative briefings to final mechanicals to guarantee the success of campaign execution in alignment with budget constraints.
- Established and actualized the annual marketing plan with the help of internal stakeholders and agency partners.
- Enhanced media partnerships by collaborating with public relations, brand management team, legal, social, and ultimate rewards to maximize partnership impact.
- Led the agility project team in the creation of the Barclay Mobile Application.
- Formulated and modified test plans, including targeting, core system pricing offer validation, and frequency definition based on review analysis to enhance campaign effectiveness.
- Re-priced and amended program terms while managing auditing and reporting projects to ensure compliance and accuracy.
- Displayed proficiency in analytical data and audit findings evaluation to determine trend and risk areas; and applied cross-channel media integration methodologies.
VP CONSUMER PRODUCTION STRATEGY ANALYST II
1 Year- Coordinated communication and tasks to ensure timely delivery of campaigns.
- Analyzed portfolio with SAS queries to identify opportunities for existing credit card products and tailor relevant offers.
- Increased retail spend on credit card products through product upgrades, resulting in 35% incremental activation and utilization.
- Analyzed test versus control data from prior retail marketing campaigns to refine strategy for new and existing projects.
- Implemented small business cards while managing product production to maintain efficiency and compliance within small business card division controls.
- Shared change progress with all management levels and business partners.
MANAGER, PORTFOLIO OPERATIONS
3 Years- Cultivated strong relationships with technology, business management, program sponsors, vendors, and business clients to ensure alignment and collaboration.
- Managed campaign workload to identify and mitigate project risks, ensuring timely resolution of potential issues.
- Identified program objectives and implemented strategic plans while supporting capacity, control, and enhancement of process through the execution of quality assurance methods.
- Executed initiatives for mass affluent, high net worth, partner card, rewards program, and business card, thereby enhancing overall service offerings.
- Held accountable for informing all key players concerning impacts on projects while identifying resources to resolve those issues.
- Mediated between technology and core business teams regarding program management while bringing to resolve any project issues.
- Recorded all data concerning project scope changes while conducting meetings and providing continuous feedback on project status.
- Played a lead role in the recurrence of the Portfolio Utilization program (PUP), consisting of a monthly mail volume of fifteen million pieces; comprised of more than 250 cells, 40 CVCs, 30 LTCs, letter shop instruction, and innovative marketing concepts.
CAMPAIGN MANAGER, ACQUISITION OPERATIONS
3 Years- Launched Chase Ink, Private Bank, Disney, SWA, and Marriott programs in collaboration with key channels, driving engagement and expanding market reach.
- Managed execution of various channels, including onsite, alt media, retail, small business, business cards, co-brand, and financial institutions, ensuring alignment with campaign goals.
- Achieved 99% quality rating by prioritizing and outlining proper execution paths on each channel to guarantee accurate pricing and partner information.
- Served as liaison between project managers and the Marketing Department, coordinating marketing campaigns for over one hundred partners to enhance collaboration and campaign effectiveness.
- Planned the creative design execution for print production, facilitated monthly channel metrics presentations to senior management while conducting weekly meetings on pricing strategies and creative testing to market.
- Contributed insights in streamlining channel responsiveness through the creation of a book of business performance.
- Imparted knowledge on quality procedures toward error reduction, efficiency, and increased productivity by leading education sessions for marketing services.
EVENT MARKETING MANAGER
10 Years 11 Months- Strengthened channel partner relationships for MBNA America Bank credit card programs.
- Collaborated with cross-functional teams in marketing, sales, and operations to enhance program effectiveness.
- Established marketing platforms on college campuses and coordinated third-party staff to execute events featuring professionals and products.
- Developed targeted marketing campaigns for various colleges for various colleges.
CUSTOMER SATISFACTION ASSISTANT MANAGER
11 Years- Managed customer service inquiries and complaints in a timely manner.
- Reviewed cardholder inquiries, disputes, and billing concerns for accurate resolution.
- Supported MBNA America credit card account servicing and customer support.
- Trained staff on customer service practices and account handling steps.
- Communicated with internal departments to resolve customer and account issues.
- Provided guidance and support to junior staff members on daily tasks, projects, and objectives.
TRUST ADMINISTRATOR, TRUST DEVELOPMENT
2 Years 11 Months- Supported trust account administration for PNC Private Client relationships.
- Reviewed trust documents to ensure accurate account setup and compliance during ongoing maintenance.
- Coordinated distributions, deposits, and transfers to optimize trust account management.
- Monitored account activity for compliance with trust instructions.
- Processed beneficiary changes and fiduciary paperwork in client records.
- Communicated with clients, attorneys, and trustees on account matters.
- Prepared detailed trust reports and supporting documents for internal review, facilitating informed decision-making.
ASSISTANT TO VICE PRESIDENT
4 Years 7 Months- Cultivated client relationships, enhancing service delivery for Smith Barney wealth advisory.
- Facilitated account openings, transfers, and documentation updates, ensuring compliance and accuracy.
- Monitored account activity, maintaining accurate client records to support informed decision-making.
- Prepared portfolio reports and client meeting materials.
Education
Bachelor of Arts - Finance and Marketing, Minor in Accounting
Skills
Sales incentive monitoring
Marketing strategies
Campaign development
Advertising campaigns
Business development
Agile project management
Process optimization
Data management
Competitive pricing
Timeline
SR ADVISOR SMALL BUSINESS INSIGHTS
TD Bank
01.2023 - CurrentRead More
VP MARKETING ANALYTICAL CAMPAIGN MANAGEMENT
JPMorgan Chase
01.2022 - 01.2023Read More
VP MARKETING INSIGHT SPECIALIST
TD Bank
01.2017 - 01.2022Read More
MARKETING MANAGER
Ditech
01.2015 - 01.2017Read More
MARKETING MANAGER
Barclay Global
01.2011 - 01.2015Read More
VP CONSUMER PRODUCTION STRATEGY ANALYST II
Bank of America
01.2011 - 01.2012Read More
MANAGER, PORTFOLIO OPERATIONS
JPMorgan Chase (Chase Card Services)
01.2008 - 01.2011Read More
CAMPAIGN MANAGER, ACQUISITION OPERATIONS
JPMorgan Chase (Chase Card Services)
01.2005 - 01.2008Read More
EVENT MARKETING MANAGER
MBNA America Bank
06.1994 - 05.2005Read More
MARKETING MANAGER MOTOR SPORTS
MBNA America Bank
01.1994 - 01.2005Read More
SYSTEMS ANALYSTS, RE-PRICING CORPORATE OPERATIONS
MBNA America Bank
01.1994 - 01.2005Read More
SR LOAN REVIEW ANALYST SPECIALIZED LENDING
MBNA America Bank
01.1994 - 01.2005Read More
CUSTOMER SATISFACTION ASSISTANT MANAGER
MBNA America
01.1994 - 01.2005Read More
TRUST ADMINISTRATOR, TRUST DEVELOPMENT
PNC Bank
01.1991 - 12.1993Read More
ASSISTANT TO VICE PRESIDENT
Smith Barney
06.1986 - 01.1991Read More
Pennsylvania University of West Chester
Bachelor of Arts from Finance and Marketing, Minor in Accounting
Read More