Penny Kipper
Charlotte,NC
Summary
Dynamic professional with over 24 years of experience in Financial Services IT, specializing in strategic planning, governance and execution. Proven expertise in enterprise risk management and business process optimization, leading initiatives that drive KPIs while creating frictionless experiences for both internal and external customers. Forward thinking leader who identifies both opportunities and challenges of using AI to drive corporate objectives.
Overview
23
23
years of professional experience
2
2
Certifications
Work History
Cyber Security Manager
Southstate
Charleston, South Carolina
01.2025 - Current
- Developed multi-year roadmap to enhance cyber maturity across cloud and infrastructure, aligning with organizational security objectives.
- Implemented online ID verification to reduce operational cost and strengthen security posture, minimizing potential attack vectors.
- Directed Cyber Maturity program, executing strategies that reduced threat actor access and improved overall security resilience.
Project Management Office (PMO) Manager
Capital One
McLean, VA
04.2024 - 12.2024
- Developed and executed operational playbook for technical program manager and project management teams to streamline processes within Bank Tech organization.
- Established repository of 250+ artifacts to document current state processes and templates, enhancing accessibility for project management teams driving business process optimization.
Strategic Advisory Engagement Lead
Hylaine
Charlotte, NC
06.2022 - 03.2024
- Delivered business process consulting for top 15 U.S. financial institution during transition to large bank supervision under OCC direction, ensuring compliance and operational readiness.
- Oversaw development and submission of bank’s first living will to FDIC, ensuring adherence to budget constraints and regulatory requirements.
Enterprise Program Manager
Fiserv
Milwaukee, Wisconsin
06.2018 - 03.2022
- Directed program management for payments and financial risk portfolios, contributing to $3.5 million in annual revenue.
- Implemented business processes using SAFe methodology, enhancing operational efficiency by 50%.
Project Management Office (PMO) Manager
Bank of America
Charlotte, NC
03.2016 - 06.2018
- Led development and implementation of Agile release train, increasing feature delivery speed by 80%.
- Developed holistic testing strategy, ensuring 99% defect-free releases over 12 months.
Process Engineer
Bank of America
Charlotte, NC
03.2013 - 02.2016
- Directed end-to-end process ownership for key initiatives, leading a strategic program to research the OCC foreclosure lookback for Countrywide loans.
- Facilitated process improvements, reducing research time by 40% and enhancing client self-service capabilities.
Process Engineer
Bank of America
Charlotte, NC
02.2012 - 03.2013
- Directed significant enhancements in processes that decreased research duration by 40% and empowered Commercial and Small business clients to self-service requests via online platforms rather than relying on costly phone support.
Program Governance Director
Bank of America
Charlotte, NC
09.2008 - 02.2012
- Spearheaded design and implementation of Integrated Channel Intake System (CAST) for four hundred monthly projects.
- Achieved 99.8% process adherence, enhancing project time-to-deliver by 36% annually.
Senior Product Manager
Bank of America
Charlotte, NC
06.2003 - 03.2008
- Generated 158,640 incremental deposit applications in 2007, contributing $9.5M in gross revenue.
- Achieved a 16.2% increase in completed deposit applications from 2006 to 2007.
- Oversaw generation of 79,000 incremental card applications in 2007, reflecting a 21.6% rise from 2006.
Education
MBA - Marketing
Baker College
Flint, MI05-1999
Bachelor of Arts -
Baker College
Port Huron06-1997
Skills
- Strategic planning and execution
- Enterprise PMO and governance
- Financial business case development
- Technology portfolio delivery
- Cybersecurity strategy
- Business process optimization/AI
- Enterprise risk management
- Vulnerability assessment
- Compliance controls management
- Change leader
Certification
Certified ScrumMaster
Accomplishments
2006 President's Club Award, Bank of America
Timeline
Cyber Security Manager
Southstate
01.2025 - Current
Project Management Office (PMO) Manager
Capital One
04.2024 - 12.2024
Strategic Advisory Engagement Lead
Hylaine
06.2022 - 03.2024
Enterprise Program Manager
Fiserv
06.2018 - 03.2022
Project Management Office (PMO) Manager
Bank of America
03.2016 - 06.2018
Process Engineer
Bank of America
03.2013 - 02.2016
Process Engineer
Bank of America
02.2012 - 03.2013
Program Governance Director
Bank of America
09.2008 - 02.2012
Senior Product Manager
Bank of America
06.2003 - 03.2008
MBA - Marketing
Baker College
Bachelor of Arts -
Baker College