Rick is a Principal with Spinnaker Consulting Group. With rich experience in digital integration, business strategy, operational and process improvement, and change management, Rick’s focus area includes digital transformation across financial institutions.

In his 20 years as an executive with some of the largest banks in the US, Rick gained deep experience in the credit card business leading the efforts to develop, launch and optimize new card products for multiple leading monoline companies. During this time, he led a variety of teams driving fundamental change and significantly expanded digital sales and servicing performance.

Prior to entering financial services, Rick was a Nuclear Qualified Officer in the US Navy assigned to the USS Bergall. He held several key roles while on board, including the Damage Control Assistant, where he was responsible for implementing a new process for maintaining the quality control procedures for all nuclear and hull integrity systems.

Rick has a Bachelor of Engineering degree from The State University of New York Maritime College and a Master of Business Administration from the University of Texas at Austin. He lives in southern New Jersey with his wife. Their daughter is a recent graduate of The University of Pittsburgh where their son is a junior. For relaxation, Rick makes detailed wooden models of 1800’s sailing ships.