RALPH S. RINO
South Jordan,Utah
Summary
Treasury and product manager with a background in liquidity planning, cash forecasting, and financial systems implementation. Leads treasury management products for balance sheet hedging, cash flow hedging, and intercompany netting, while driving the rewrite of a legacy processing system to browser-based technology. Brings hands-on experience with Jira, SWIFT, reconciliations, and cross-functional delivery.
Overview
50
50
years of professional experience
Work History
Product Manager | Internal Auditor | Project Manager | Treasury Manager / Project Manager | Operations Manager
GPS Capital Markets / Corpay Cross Border
South Jordan, Utah
09.2013 - Current
- Manage treasury management system products covering Balance Sheet Hedging, Cash Flow Hedging, and Intercompany Netting.
- Lead product management activities for the rewrite of a legacy VB6 back-end processing system to browser-based technology, working with business stakeholders to identify requirements and with development teams to refine delivery scope.
- Translate business needs into Jira ideas, epics, and user stories; collaborate with engineering and business partners to clarify requirements and support implementation.
- Participate in Agile delivery ceremonies, including Scrum meetings, sprint planning, end-of-sprint demonstrations, and retrospectives; contribute to quarterly planning and product announcements.
- Coordinated with product managers and stakeholders to align overlapping products from acquired companies, supporting consolidation into unified offering.
- Established the treasury function, including banking relationships, account administration, cash-position forecasting, and reconciliation oversight.
- Created daily U.S. dollar and seven-day foreign-currency cash-position forecasts for liquidity planning, tracking $100 million across 75 bank accounts and 27 currencies.
- Designed reporting to identify unreceived and unpaid funds and oversaw daily reconciliation of cash and cash-like accounts.
- Established internal audit function, including account reconciliation policy, internal audit plan, and GRC system configuration for programs, risks, and audit tasks.
- Managed operations teams in South Jordan and London supporting approximately $1 billion in monthly trades, including fund receipts and payments, contract confirmations, and investigations.
- Designed operational workflows and supported accounting-system and SWIFT implementations; played a key role in selecting and implementing a new accounting system.
Contract Consultant Business Analyst
O3 Technologies
New York, New York
10.2012 - 05.2013
- Evaluated business needs, translating them into technology requirements for $10 million data warehouse project, ensuring alignment with stakeholder objectives.
- Developed comprehensive business, functional, and reporting requirements, facilitating clear project definition and successful delivery.
Senior Relationship Manager
Misis International Banking Systems
New York, New York
08.2006 - 01.2012
- Managed relationships with tier-one banks, driving over $20 million in revenue for Misis.
- Managed cross-border client portfolios within international banking systems.
- Advised corporate clients on deposit, lending, and treasury solutions.
- Developed long-term relationships with high-value banking customers.
Vice President, International Operations Manager
Greater Bay Bank
San Francisco, California
01.2003 - 01.2006
- Managed international operations for a bank with $7.4 billion in assets, maintaining compliance and operational efficiency across global branches.
- Led bank operations aligned with Greater Bay Bank lending and deposit priorities.
- Reviewed credit files and loan documentation for policy and compliance accuracy.
- Coordinated branch leaders on customer service, workflow, and issue resolution.
Consultant | Independent Consulting
Orem, Utah
Orem, Utah
01.2000 - 01.2003
- Completed consulting projects with various clients and detailed outcomes in reports.
- Advised Orem, Utah clients on business strategy and process improvements.
- Analyzed client needs and developed tailored consulting recommendations.
- Facilitated meetings with stakeholders to align project goals and priorities.
Vice President, Project & Product Management
Union Bank of California
San Francisco, California
01.1997 - 01.2000
- Introduced a product concept expected to generate $4 million in annual earnings; conducted customer interviews to gauge market interest and validate product fit.
- Led trade product management initiatives, focusing on market alignment and strategic growth.
- Prepared vendor evaluation, managed selection process, and negotiated alliance for Asian businesses, resulting in $500,000 in annual profit.
First Vice President, California International Operations
Comerica Bank-California
San Jose & Long Beach, California
01.1994 - 01.1997
- Led 20-person team across two offices, overseeing systems, daily operations, pricing, and budgeting to ensure alignment with organizational goals in Northern and Southern California.
- Led commercial banking relationships across California market portfolios
- Directed credit reviews, underwriting, and loan approval packages
- Managed portfolio risk, covenant monitoring, and exception tracking
President, Foreign Exchange Limited | Vice President & Manager, International Department
First Security Bank of Utah
San Francisco, California
01.1983 - 01.1993
- Managed wholly owned foreign-exchange subsidiary, overseeing strategic planning, sales strategy, trading operations, systems integration, and government reporting to enhance overall performance.
- Transformed International Department into key contributor to business results; developed and executed strategic and tactical plans, designed and priced financial products, and facilitated acquisition of out-of-state subsidiary.
- Directed First Security Bank of Utah strategic planning and community banking priorities.
- Oversaw lending, deposit, and branch operations across First Security Bank of Utah.
- Guided executive leadership on policy, compliance, and risk management decisions.
Assistant Vice President & Manager, International Operations
Central Bank for Cooperatives
Denver, Colorado
01.1982 - 01.1983
- Installed loan system, developing controls and procedures to ensure compliance and operational efficiency.
- Oversaw cooperative banking operations and aligned workflows with central bank policies.
- Reviewed credit proposals for member institutions and ensured policy compliance.
- Monitored liquidity positions and coordinated funding needs across cooperative branches.
Assistant Vice President
Crocker National Bank (now Wells Fargo)
San Francisco, California
01.1980 - 01.1982
- Oversaw six business units and led teams of 60 to 120 employees to achieve strategic objectives.
- Directed branch operations for Crocker National Bank’s consumer and commercial banking teams
- Supervised loan processing, credit review, and account documentation
- Coordinated customer service standards across banking departments
International Banking Officer
First Security Bank of Utah
Salt Lake City, Utah
01.1977 - 01.1980
- Established international banking operations, developed procedures, designed forms, and facilitated letters of credit, foreign exchange, collections, and wire transactions.
- Assisted First Security Bank of Utah customers with deposits, withdrawals, and account questions.
- Opened new checking and savings accounts following bank policies and compliance rules.
- Processed loan applications and reviewed supporting documents for accuracy.
Education
Bachelor of Arts -
University of Utah
Skills
- Treasury Management
- Liquidity Management
- Cash Forecasting
- Balance Hedging
- Cash Hedging
- Intercompany Netting
- Foreign Exchange
- Payment Processing
- SWIFT Implementation
- Financial Infrastructure
- Product Strategy
- Product Roadmapping
- Requirements Definition
- Agile Development
- Backlog Prioritization
- Stakeholder Leadership
- Process Optimization
- Financial Reconciliation
- Risk Management
- Banking Relationships
- Systems Integration
Personal Information
Title: TREASURY & FINANCIAL TECHNOLOGY PRODUCT LEADER
Accomplishments
- Led and managed teams ranging from 8 to 30 employees and, in earlier banking leadership, groups of up to 120.
- Helped increase transaction-processing capacity by 100% without increasing staff through workflow, technology, and training improvements.
- Delivered operational cost and staffing improvements, including a 28% staffing reduction and 25% reduction in supply expense; also achieved a 15% staff reduction while absorbing a 10% increase in volume and lowering unit costs.
- Developed recruiting, training, and role-design approaches that reduced unit costs by 30% and employee turnover by 75%.
- Identified and mentored employees with management potential, several of whom advanced to officer or management positions.
EXECUTIVE & STAKEHOLDER COMMUNICATION EXPERIENCE
- Partnered with business stakeholders to elicit requirements, clarify priorities, and translate financial and operational needs into product and technology work.
- Managed complex relationships with tier-one banking clients associated with more than $20 million in revenue.
- Participated in customer interviews, vendor evaluations, alliance negotiations, quarterly product planning, and alignment of overlapping products across acquired businesses.
- Created and distributed product announcements; supported project and operational communications across banking, technology, treasury, and operations teams.
Timeline
Product Manager | Internal Auditor | Project Manager | Treasury Manager / Project Manager | Operations Manager
GPS Capital Markets / Corpay Cross Border
09.2013 - Current
Contract Consultant Business Analyst
O3 Technologies
10.2012 - 05.2013
Senior Relationship Manager
Misis International Banking Systems
08.2006 - 01.2012
Vice President, International Operations Manager
Greater Bay Bank
01.2003 - 01.2006
Consultant | Independent Consulting
Orem, Utah
01.2000 - 01.2003
Vice President, Project & Product Management
Union Bank of California
01.1997 - 01.2000
First Vice President, California International Operations
Comerica Bank-California
01.1994 - 01.1997
President, Foreign Exchange Limited | Vice President & Manager, International Department
First Security Bank of Utah
01.1983 - 01.1993
Assistant Vice President & Manager, International Operations
Central Bank for Cooperatives
01.1982 - 01.1983
Assistant Vice President
Crocker National Bank (now Wells Fargo)
01.1980 - 01.1982
International Banking Officer
First Security Bank of Utah
01.1977 - 01.1980
Bachelor of Arts -
University of Utah