Michelle Mastropoalo
Nutley,NJ
Summary
Customer-focused product leader with a track record of enhancing bank onboarding platforms. Skilled in driving compliance and customer experience through cross-functional collaboration and agile methodologies, delivering measurable results in highly regulated environments.
Overview
20
20
years of professional experience
1
1
Certification
Work History
Principal Product Manager | First Vice President
VALLEY NATIONAL BANK
01.2026 - Current
- Expanded ownership of digital account opening across online and retail branch channels, directing the strategy, design, and execution of end-to-end customer and associate-facing solutions for cannabis-related businesses.
- Provide product leadership for complex, highly regulated initiatives, balancing compliance, scalability, and customer experience across business and consumer segments.
- Partner with senior stakeholders across Retail, Operations, Compliance, Risk, and Technology to ensure alignment between product strategy and enterprise priorities.
- Lead cross-functional delivery with internal teams and third-party partners using iterative execution and agile practices.
Senior Product Manager | First Vice President
VALLEY NATIONAL BANK
01.2023 - 01.2026
- Broadened product scope from online consumer deposit account opening to include SMB deposit account opening and retail branch platforms, leading multi-year digital transformation initiatives that enhanced customer access to account opening.
- Collaborated cross-functionally with engineering, design, marketing, sales and operations teams to define requirements for new products.
- Modernized branch workflows by streamlining processes and increasing automation, leading to improved consistency across channels and scalable operations.
Digital Product Manager | Vice President
VALLEY NATIONAL BANK
01.2021 - 01.2023
- Defined multi-quarter product roadmaps aligned to enterprise OKRs, regulatory requirements, and customer outcomes.
- Led the consumer online account opening platforms, delivering measurable business growth through data-driven product strategy.
- Established KPIs and performance reporting to prioritize initiatives, measure success, and guide continuous improvement efforts.
Senior Product Analyst | Assistant Vice President
VALLEY NATIONAL BANK
01.2018 - 01.2021
- Delivered advanced analytics and insights on customer behavior and journey performance, shaping product and operational strategy.
- Owned digital account opening platform and con roadmap, driving enterprise-level modernization initiatives.
- Led implementation of a new Salesforce-based online account opening platform.
- Managed and prioritized product backlog, optimizing sprint outcomes and aligning with business value.
- Built executive and operational Salesforce dashboards to enable data-driven decision-making at scale.
Training Specialist
VALLEY NATIONAL BANK
01.2015 - 01.2018
- Developed and facilitated training programs for retail bank deposit and lending products, policies, regulatory compliance, Personal Online Banking, Online Account Opening, and Salesforce, enhancing staff knowledge and customer service.
Digital Branch Loan Consultant
Alliant Credit Union
01.2013 - 01.2015
- Partnered with United Airlines and Northeast regional employers to enhance membership acquisition and digital loan growth, using demographic analysis to align products with member needs.
Senior Personal Banker
Wells Fargo Bank
01.2010 - 01.2011
- Delivered consultative customer service by partnering across business lines to align solutions with customer financial goals.
Premier Client Manager
Bank of America
01.2006 - 01.2008
- Developed and nurtured client relationships to enhance business growth and retention, collaborating with private banking, business banking, and BAI to provide customized product solutions.
Education
B.A. - Economics
Montclair State University
Skills
- Digital Transformation Strategy & Execution
- Product Optimization & Lifecycle Management
- Outcome-Based Roadmap Development
- Customer Onboarding & Adoption Enablement
- Salesforce Platform Administration & Governance
- Azure DevOps & Agile Delivery
- Banking Regulations & Compliance Expertise
- Cross-functional collaboration
Certification
Certified Scrum Product Owner, 01/01/20
Accomplishments
- Reduced application completion time by 50% through workflow redesign and experience optimization.
- Increased automated decisioning by 90%, improving operational efficiency and speed to decision.
Timeline
Principal Product Manager | First Vice President
VALLEY NATIONAL BANK
01.2026 - Current
Senior Product Manager | First Vice President
VALLEY NATIONAL BANK
01.2023 - 01.2026
Digital Product Manager | Vice President
VALLEY NATIONAL BANK
01.2021 - 01.2023
Senior Product Analyst | Assistant Vice President
VALLEY NATIONAL BANK
01.2018 - 01.2021
Training Specialist
VALLEY NATIONAL BANK
01.2015 - 01.2018
Digital Branch Loan Consultant
Alliant Credit Union
01.2013 - 01.2015
Senior Personal Banker
Wells Fargo Bank
01.2010 - 01.2011
Premier Client Manager
Bank of America
01.2006 - 01.2008
B.A. - Economics
Montclair State University