Managing Director | Digital | Mobility | Internet of Things | IoT | Commerce @ Accenture
Sr. Manager | Digital | Mobility | Internet of Things | IoT | Commerce @ Accenture
Senior Vice President | Product Management | Digital Products @ Think Finance / Elevate (a Think Finance Spin-off)
Certificate Program in Social Media and Digital Communication @
Southern Methodist University
My name is Rich Meszaros, and I have a proven track record of designing and growing consumer digital products for financial brands in global marketplaces. I position companies for accelerated, sustainable growth by focusing on the customer experience and underlying needs, paired with strong analytical, collaborative and decisive leadership. Known as a forerunner in creating innovative consumer
My name is Rich Meszaros, and I have a proven track record of designing and growing consumer digital products for financial brands in global marketplaces. I position companies for accelerated, sustainable growth by focusing on the customer experience and underlying needs, paired with strong analytical, collaborative and decisive leadership. Known as a forerunner in creating innovative consumer digital products, transformational marketing programs and world-class digital transactional sites.
DIGITAL PRODUCT EXPERTISE
>Launched over a dozen consumer / digital products in the last 15 years across banking, money transfer, credit and payments.
>Innovated digital self-service channel features for a top 10 bank.
>Introduced products with several global brands including Walmart, Smart Mobile and Visa.
PROVEN ECOMMERCE EXECUTIVE
>Experienced in leading digital product design, operations, pricing, distribution, marketing and profitability (P&L, budgets).
>Employ user-centered design to create a customer experience that delights and drives incremental conversion and revenue.
>Transformed an online money transfer business leading to sustained 20%+ monthly revenue growth.
EXPERIENCED GENERAL MANAGER
>Deliver profitable business-changing growth strategies by understanding the customer journey and optimizing the customer experience in culturally diverse marketplaces in/outside of the US.
>Takes a 360 view of the business including operations, funding, risk, support and compliance.
PERPETUALLY CREATIVE AND INNOVATIVE LEADER
>Passion for creating things not done before paired with the drive to take calculated risks to deliver new revenue streams.
>Invented pre-paid money transfer and virtual agent program as foundation for continued explosive growth.
>Launched industry-first instant decision online application center for a top 10 US bank; grew business to the equivalent production of over 150 branches.
Senior Manager | mCommerce | Internet of Things | IoT @ Accenture Digital - Internet of Things (IoT). Commerce practice group. From January 2015 to Present (1 year) Senior Vice President | Product Management | Digital Products @ Recruited to manage a fast growing portfolio of consumer lending digital products. Accountable for multimillion-dollar P & L and directing strategy, development, marketing, distribution and pricing.
> Oversaw the launch of 2 consumer digital products in 6 months; one now has $100M+ in balances.
> Created a flagship consumer loan digital product that helped sub-prime consumers meet current cash flow needs and improve their future financial situation.
> Steered innovative Line of Credit product distributed through the payroll channel as a voluntary employee benefit.
> Created comprehensive company payment strategy; launched an enterprise payment gateway in 3 product lines in less than 6 months. Introduced new and optimized existing payment methods including debit card, lock box, and walk-in payments for greater payment choices. From January 2013 to July 2014 (1 year 7 months) Executive Vice President | Market Development | Digital Signage @ Spearheaded agency’s global sales and marketing strategy. Controlled multimillion-dollar sales plan and influenced global marketing programs and partnerships that positioned merchandising and digital services expansion to regional, national, and global financial institutions. Directed a diverse range of messaging initiatives for retail banks located across the globe.
> Streamlined global prospecting program almost 4X to more than 90%.
> Motivated and energized a culturally diverse sales team to greater efficiency, elevated marketing/IT data, refocused sales to better align value adds, and built steady relationships.
> Launched first-ever corporate website designed for branding/rebranding, aimed at B2B lead generation.
> Identified opportunities for existing projects; positioned John Ryan as the vendor of choice. From July 2011 to January 2013 (1 year 7 months) Greater Minneapolis-St. Paul AreaVice President | General Manager | Digital Products @ Redesigned/established MoneyGram’s digital / virtual global money transfer business. Led business strategy, virtual network, digital product expansion, and P&L to achieve top-line revenue growth. Provided leadership and direction for Operations, Finance, Marketing, and Product Management business units. Improved performance and fueled future growth of evolving global organization through change and transition.
> Cultivated MoneyGram digital business to achieve phenomenal growth.
> Built/patented (pending) a co-branded affiliate virtual network with [a major Big Box] – MoneyGram’s largest agent network – that connected product base to the company’s top 10 website traffic in the world.
> Championed company’s largest digital redesign that resulted in 45% customer conversion rate – double prior rate; digital transaction revenue grew monthly and became 3rd largest business in the global network – and fastest growing. Reengineered customer experience to world-class status. From December 2010 to June 2011 (7 months) Greater Minneapolis-St. Paul AreaVice President | Global Product Management | Digital Products @ Chosen to structure and lead first-ever consumer product management team and innovate new MoneyGram products/services to meet evolving client needs in 189 countries.
> Launched a variety of products in the Philippines, the US, Guatemala, and Mexico.
> Created first-ever mobile money transfer product in partnership with SMART Communications and overnight delivery option exclusively for Walmart
> Re-engineered phone-based money transfer product simplifying the send and receive process for both the consumer and agent.
> Invented In-Lane Money Transfer which MoneyGram International submitted a patent application. From May 2009 to December 2010 (1 year 8 months) Greater Minneapolis-St. Paul AreaVice President | Direct to Consumer Marketing | Loyalty Program Management @ Recruited to drive new direct marketing role and lead global B2C and agent-channel marketing strategy to increase MoneyGram adoption across the globe.
> Orchestrated direct marketing programs, development and management of a global 55-million consumer database.
> Coordinated U.S. market consumer segmentation for defining behavior, media habits and value expectations.
> Launched MoneyGram Rewards in the US to nearly 4 million active members; expanded program to Spain, Germany, Italy, France, and Canada. From November 2007 to May 2009 (1 year 7 months) Greater Minneapolis-St. Paul AreaVice President | Online Channel Management | Digital Products @ Promoted to lead digital product and marketing strategy for usbank.com and retail internet banking. Improved customer experience, drove revenue and usage, and enhanced functionality.
> Innovated new online features including alerts, e-Statements, free bill pay, 1-1 customer messaging and two-factor authentication.
> Pioneered first-ever digital consumer deposit and credit applications allowing users to apply, open, and fund accounts; monthly new accounts were equivalent to the production of 150+ branches.
> Led mass-affluent customer segment; designed and launched a loyalty program to encourage balance consolidation and featured in Council on Financial Competition innovation white paper.
> Led various marketing channels: direct mail, email, digital, partner, UBank at Work, student, and employee. From August 2001 to November 2007 (6 years 4 months) Greater Minneapolis-St. Paul AreaSr. Product Manager | Consumer Deposit Products | P&L Owner @ Selected to reverse a decline in Consumer Checking sales. Handled product budget P&L. From March 2000 to August 2001 (1 year 6 months) Greater Minneapolis-St. Paul AreaProduct Manager | Consumer Credit Products | P&L Owner @ Brought on board to revitalize installment loan, direct cash, and reserve line products. From July 1999 to March 2000 (9 months) Greater Minneapolis-St. Paul AreaAssistant Vice President | Consumer Lending | Bank Operations @ Previous positions: Branch Manager, Head of Consumer & Mortgage Lending, Assistant Cashier in charge of bank operations. From May 1990 to June 1999 (9 years 2 months) Greater Minneapolis-St. Paul Area
Masters of Business Administration, Marketing and Strategic Management @ University of Minnesota - Carlson School of ManagementCertificate Program in Social Media and Digital Communication @ Southern Methodist University From 2014 to 2015 Graduate Degree, Graduate School of Retail Bank Management @ University of VirginiaBachelor's degree, Economics, Finance, and German @ Marquette University Richard MBA is skilled in: Product Management, Direct Marketing, P&L Management, Business Strategy, Banking, Marketing Strategy, Strategy Development, Strategic Planning, Product Marketing, E-commerce, Marketing Management, Strategy, Segmentation, Strategic Partnerships, Cross-functional Team Leadership
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