1. David Ruda
Chicago, IL
(773) 343-0097
davidruda431@gmail.com
Product – Marketing Manager
Performance Summary
Business professional holding product/marketing management and analyst level positions. Successful at analysis,
relationship management, P&L management, determining and resolving business and technical issues on an individual level
and within work teams. Synthesize and distill ideas from colleagues and clients into actionable product enhancements that
enrich the client experience, reduce operating expenses and drive revenue growth. Embracing of change and adapting to
new environments, structures, demands and technologies with a self-starter outlook.
Work Experience
Citibank
Director 2009 – 2015
Vice President 2002 – 2008
• Led North America Commercial Card Market Management team responsible for pricing, product developments, budgets,
risk self-assessment processes, vendor relationships. $300MM/per annum net revenue business for the company.
• Negotiated on average 100+ client contracts for all business related items
• Focused attention on closing deals and maintaining adherence to compliance and risk standards and bridging
contract differences between the firm and the client. Dedicated to removing roadblocks with a positive spirit.
• On point to answer regulatory and internal compliance. Maintained satisfactory audit ratings.
• As a people manager fostered a culture of accountability and excellence in service to internal partners and clients
• Maintained annual updates the N.A. Product Plan / roadmap to keep the product offering fresh and relevant. Kept our
eye on the ball in an ever changing competitive business landscape and regulatory and compliance environment
• Directed a project that modified the product delivery of fleet card services leading to cost savings of $3 million annually
• Instituted a monthly webinar learning series with low internal costs that delivered to clients an opportunity to acquire a
deeper product understanding, gain best practice insights and expanded their expertise in using the technology suite.
• Result: happier clients, deeper relationships and fewer calls into the service center
• Oversaw the conversion of mag-stripe plastics to chip / pin (EMV) technology. Required significant project planning and
internal and external communications as it touched each client and the cardholder experience. Created the go to market
strategy for this multi-million project.
• Managed project to eliminate 80% of paper statements. Delivered an expense reduction of $1MM/pa. Coordinated
impacts to customer service/call center; communication to internal stakeholders and clients. Reinforced the advantage of
going green to clients and the improved speed and safety of using web technology vs paper statements in the mail.
• Collaborative product partner that enjoys selling solutions to clients by demonstrating the product and the firm’s value
proposition and commitment. Dubbed it “A history of achievement and a future of innovation.”
• Review, analysis and approval of client deal pricing. Attentive eye to achieve client level and product revenue /
profitability targets
• Subject matter expert and advocate for the product to sales / relationship management teams, operations, compliance
and clients
J. P. Morgan Chase (Formerly Bank One)
Vice President 1997 – 2002
• Oversaw the growth of the federal government portfolio from $500MM to $1BN in p.a. spend

2. David Ruda (773) 343-0097 davidruda431@gmail.com page 2 of 2
• Team member that won a spot on the General Services Administration contract for commercial card services known as
SmartPay.
• Crafted RFP responses tailored to government specifications
• Delivered on all compliance and RFP requirements to be a government contractor
• Managed on-going contract and required compliance with contract modifications and face to the government
contract administrator
• Coordinated activities for sales, pricing and contract ad min for the federal card market
• Built successful and loyal customer relationships with 100% client retention over a 5 year period
• Developed project implementation plans and profit/loss analysis
• Coordinated participation in annual trade shows/conferences
• Developed content
• Delivered presentations
• Valued team member of the cross functional team that was required to produce and participate in the events
• Took on Fleet card product manager responsibilities
Bank of America
Vice President 1992-1997
Assistant Vice President 1992 – 1995
Analyst to Officer 1981 – 1991 (formerly Continental Bank)
• Responsible for disbursement product initiatives:
• Launched a new technology product “Image CD-ROM” providing technology for clients to search/view checks
• Provided substantially quicker access method to deliver data to client
• Reduced internal operating expenses by eliminating calls into the service center
• Created a new source of revenue as a valued-added product
• Sourced processing partner for CD-ROM product
• Performed the vendor search, proposal and cost analysis and presented to senior management for approval
• Responsible for the marketing management of coin & currency and merchant bankcard processing products:
• Created marketing programs and did product roll-outs
• Developed product plans, product profiles and pricing analysis
• Conducted training and product presentations
• Supported the sales teams a technical expert
• Manager of Account Analysis Division, which is the collection point for all cash management service usage data and
billing; staff of 20 $2MM/annual budget:
• Implemented a PC-based expert system leading to a 25% staff reduction and increased timeliness of billing and
customer statements
• Prepared annual budgets/quarterly variance reports
• Monitored and administered all talent management / personnel related items.
• Lead software system replacement and implementation teams
• Coordinated vendor relationship for the processing platform
Education
• DePaul University, Chicago, IL Certified Financial Planner Certificate Program (expected completion 2017)
• DePaul University, Chicago, IL M.B.A., 1985 - Major: Finance
• Augustana College, Rock Island, IL B.A, 1981 - Major: Business Administration and Accounting
• Association of Financial Professionals - Certified Cash Manager certificate earned 1999