Publication
Better Digital Banking Through Data Analytics
https://www.toptal.com/finance/data-analysis-consultants/data-analytics-in-banking
Mohamed is available for hire
Hire MohamedMohamed Zarrugh
Verified Expert in Finance
Management Consulting Expert
Location
Scottsdale, United States
Toptal Member Since
May 12, 2022
Mohamed has held executive internal consulting roles for JPMorgan Chase and Wells Fargo, transforming operations with annualized expense reductions up to $180 million. He is a finance expert that perfectly blends the academic knowledge of an Industrial Engineering degree and MBA with deep business acumen and technical know-how. Specializing in strategic planning, performance management, and process improvement initiatives, Mohamed is willing to leverage his experience with other clients.
Business TransformationFinancial ForecastingBusiness DevelopmentMarket Research AnalystPitch Deck ConsultantGrowth Strategy ConsultantsCross-border M&AFinancial ModelingMarket ResearchValuationMarket SizingPricing ConsultingMarket SegmentationFinancial Planning & Analysis (FP&A)Profitability Analysis
Career Highlights
Strategy Consulting Leader
Wells Fargo
Internal Consultant Executive
JPMorgan Chase
Contract Management Consultant
State of Oregon
Case Studies
Expertise
Work Experience
Principle Consultant
2022 - PRESENT
Key Bridge Capital
- Acted as a principal consultant for Key Bridge Capital and led the M&A activity representing regional players for prospective buyers across several industries including banking services, SaaS (software), and retail consumer goods industry.
- Contributed to the strategic planning and execution for the sale of companies in excess of $50 million in revenue, involving market research, valuation assessment, and pitch deck creation.
- Approached work uniquely—starting with understanding the client, its value proportion, strategic vision, operations, and overall intent in future sales activities with the right investor/buyer for optimal synergy of value.
Focus areas: Mergers & Acquisitions (M&A), Investment Banking, M&A Strategy, Cross-border M&A, Fundraising, United States, Growth Strategy Consultants, eCommerce, Chief Operations Officer (COO), Business Operations, COO, Workshop Facilitation, Workshops, Presentations, Market Research & Analysis, Opportunity Identification, Go-to-market Strategy, Data Analytics, Key Performance Indicators (KPIs), SWOT Analysis, Market Research Analyst, Market Research, Total Addressable Market (TAM), Lean Six Sigma, Competitive Analysis, Strategic Planning & Execution, Organization Assessment, Pricing, Pricing Strategy, Pricing Models, Competition Research, Business Services, Artificial Intelligence (AI), Business Transformation, Cost-benefit Analysis, Financial Forecasting, Organizational Design, Go-to-market Plans, Small Business, Growth, Early-stage Startups, B2B Partnerships, Sales Growth, Food & Beverage, Food, Direct to Consumer (D2C), Valuation, SaaS, Competitive Strategy, Retail & Wholesale, Sales Effectiveness, Pitch Deck Consultant, Angel Investing, Healthcare IT, Microsoft Excel, Fundraising Strategy, Affiliate Marketing, Internet Marketing, Trade Finance, Healthcare, Venture Capital, B2B, Software as a Service (SaaS), Operational Excellence, Business Process Management (BPM)
Advisory and Adjunct Faculty Member
2015 - PRESENT
Benedictine University
- Advised the university on undergraduate/graduate program expansion and development to reach broader and more relevant curriculum design in the business management, strategic planning, operations management, and business analytics courses.
- Helped to develop and administer the Operation Research and Linear Programming courses, which outline the process of creating models to apply in various decision-making applications.
- Changed and enhanced the Operations Management course offering, which entails many process improvement approaches and case examples with best practices.
Focus areas: Strategic Planning & Execution, Operations Management, Analytics, Financial Data Analytics, Pricing Models, Subscriptions, Organization Assessment
Strategy Consulting Leader
2017 - 2022
Wells Fargo
- Enhanced the service treatment strategies to reduce contact center expenses, increasing first contact resolution by 5%.
- Increased digital adoption by 10% with targeted analytical approaches and conversion enhancements.
- Improved the servicing strategy for consumers with high-net-worth (HNW) and private bank relationships, enhancing the net promotor score by 5%.
Focus areas: Strategy Consulting, Lean Analytics, Strategic Initiatives, Contact Centers, Business Performance Management (BPM), Performance Management, Performance Analysis, Process Improvement, Change Management, Channel Management, Teradata, Microsoft SQL Server, Knowledge Management, Data Strategy, Process Flows, Net Promoter Score (NPS), Customer Satisfaction, Digital Strategy, Customer Segmentation, Customer Analysis, Digital Marketing Strategy, Growth Marketing, Digital Experience Design, Growth Strategy, Customer Analytics, Data Analytics, Customer Insights, Data Analysis, Data-driven Marketing, Data Science, Market Sizing, Market Research, Market Segmentation, Financial Planning & Analysis (FP&A), Agile, Documentation, Finance, Customer Experience, Digital Transformation, Customer Success, Fintech, Transformational Leadership, Business Processes, Business Process Modeling, Business Process Analysis, Organizational Change Management (OCM), Mobile User Acquisition, Mobile, Business to Consumer (B2C), B2C, Marketing, Chief Marketing Officer (CMO), Marketing Leadership, Brand Positioning, Growth Hacking, Digital Branding, Banking & Finance, Business Cases, Analysis, Business Planning, Large-scale Projects, Marketplaces, Tableau, Use Case Analysis, Go-to-market Strategy, Key Performance Indicators (KPIs), Agile Product Management, Pricing Models, Profitability Analysis, Market Research Analyst, Business Process Improvement (BPI), Consulting, Compensation, Apps, Commercial Banking, Product Benchmarking, Incentive Simulations, Business Process Flow (BPF)
Internal Consultant Executive
2006 - 2017
JPMorgan Chase
- Feduced full-service channel customers towards a self-serve process, representing annualized savings of $12 million.
- Proposed process-improvement recommendations to claims operations with annualized savings of $50 million.
- Transformed fee servicing towards differentiated treatment with annualized savings of $180 million.
- Reduced customer attrition in credit card businesses with annualized savings of $1 million.
Focus areas: Strategy, Performance Reports, Channel Management, Digital Channels, Contact Centers, Balance Scorecards, Business Performance Management (BPM), Performance Management, Strategic Planning, Teradata, Microsoft SQL Server, Knowledge Management, Data Strategy, Process Flows, Forecasting, Revenue & Expense Projections, Product Strategy, Business Strategy, Sales Compensation, Omnichannel Marketing, Sales Strategy, Strategic Partnerships, Marketing Strategy, Business Development, Pricing Consulting, Financial Services, Global Banking, Business Cases, Analysis, Business Planning, Large-scale Projects, Marketplaces, Tableau, Product Development, Data Analytics, Key Performance Indicators (KPIs), Surveys, Sales, Compensation Programs, Performance Improvement, Benchmarking, Incentive Plan Design
Contract Management Consultant
2004 - 2006
State of Oregon
- Redesigned collection processes based on willingness and ability to pay with improved compliance.
- Enhanced servicing strategies through outbound targeted communication.
- Decreased receivables by over 30% in two years, from $3.8 billion to $2.6 billion.
Focus areas: Digital Channels, Contact Centers, Performance Analysis, Performance Management, Performance Reports, Payment Collection, Teradata, Microsoft SQL Server, Knowledge Management, Data Strategy, Process Flows, Business Audits, Design, Management Consulting, Operating Models, Enterprise Software, Analysis, Business Planning, Large-scale Projects, Marketplaces
Other Experience
Education
2002 - 2003
Master’s Degree in Business Administration (MBA)
Oregon State University - Corvallis, Oregon, USA
1991 - 1994
Bachelor's Degree in Industrial Engineering
Oregon State University - Corvallis, Oregon, USA
1988 - 1991
Bachelor's Degree in Mathematics
University of Oregon - Eugene, Oregon, USA
Certifications
JUNE 2003 - PRESENT
Leadership Development Forums
Oregon State University
JUNE 1995 - PRESENT
Professional Member – Institute of Industrial & Systems Engineers
Institute of Industrial & Systems Engineers (IISE)
JUNE 1994 - PRESENT
Industrial Engineering Career Forums
Oregon State University