Ina S. Kliger ik15a2590@westpost.net 16405 N.

Canyon Drive Cell: 480-390-4541 Fountain Hills, AZ 85268 SUMMARY: Over twenty-five years of product management and consulting expertise i n financial, risk management and educational services and consumer products. Skilled in strategic planning, managing product lifecycle including development and launch, marketing and brand building, analytics and bottom line management. Success in both corporate and entrepreneurial settings. EDUCATION: M.B.A. Babson College, Wellesley, MA, Marketing B.A. Pennsylvania State University, University Park, PA, Advertising EXPERIENCE: Cognilytics, Inc., San Jose, CA 1/10-1/11 Senior Business Analyst * Gathered requirements and managed project to develop new SEC and regulatory reporting system for distressed assets for top ten US bank. * Negotiated and administered consulting $3 million of consulting contracts with Visa. KnowledgePoints Learning Center, Peoria, AZ 6/05-5/09 Owner/Operator Managed all operations of a tutoring center for students grades K-12. * Achieved an average of over one grade equivalent growth for students completin g 40 hours of instruction. * Developed business plan, selected site, negotiated lease and oversaw construct ion. * Planned and executed all marketing and public relations programs including lau nch, customer acquisition and referral, networking to influencers and community outre ach. * Hired, managed, trained all staff and maintained quality control of curriculum delivery. * Selected by AZ Dept. of Education to provide Supplemental Education Services (SES) throughout Maricopa County. Primary Payments Systems, Inc. (Early Warning, LLC) Scottsdale, AZ 10/01-5/05 VP, Senior Product Manager Managed line of payment fraud prevention tools for the B2B market (check accepta nce and financial service companies) that accounted for 25% of company revenues. * Revitalized declining product by building new technology platform and enhancem ents. * Tripled revenues from $5 to $15 million within 2 years of introduction and cap tured market leaders controlling 96% of market. * Innovated new product pricing methodology that became a standard in the indust ry. * Launched successful product extension and integration of online payment fraud tools to teller platforms of major financial institutions for real-time hold decisions . Independent Consultant, Needham, MA 10/99-7/00 Responsible for business development and strategic projects for various clients. * Evaluated merger and acquisition candidates for leading credit card processor that wanted to establish leadership position in debit business. * Assessed and recommended new ATM technology platform for top ten US bank. * Developed strategic plan to increase deposit share among affluent consumers fo r a $30 billion regional bank.

Retail Growth ATM Systems, LLC, Boston, MA 1/97-7/99 SVP Responsible for building and managing start-up ATM company that was sold to PNC Bank, NA for $25 million after 2.5 years. * Negotiated leases for 500 ATMs in prime retail mall space nationally. * Formed strategic marketing alliances with AT&T and leading national gift check provider to distribute prepaid phone cards and gift certificates through ATMs. * Created and marketed new national mall ATM advertising channel enabling advertisers to reach consumers at point-of-purchase. BankBoston/BayBank Systems, Inc., Waltham, MA 1/88-1/97 SVP, Group Product Manager, Electronic Banking Services Responsible for marketing strategy, product development, customer experience, an d profitability of consumer self-service banking channels for market and technolog y leader. * Developed and introduced all functionality enhancements for X-Press 24TM ATM network, which processed 29 million transactions annually. * Managed X-Press 24TM network to over 99.5% availability 24 by 7. * Directed pricing strategy for ATM and debit card business that contributed $16 million annually and was key point of contact for 1.5 million customers. * Designed and conducted usability testing an innovative graphical user interfac e for touch screen ATMs. * Selected vendor and negotiated contract for the purchase, installation and sof tware development of $30 million of state-of the art ATMs to replace aging network. * Directed all marketing for the "BayBank Card", the company brand icon. * Identified needs, managed product development and launch of first offline debi t card in market. Generated an incremental $10 million in revenue within three years. * Redesigned ATM architecture and Card Management File to facilitate multi-accou nt access for customers across all delivery channels. Resulted in 25% increase in account cross-sell and significant share of wallet increase. * Directed strategy for mass card reissue and standardizing EFT services, provid ers and pricing for merger activity to maximize customer retention. VP/AVP, Product Manager, High-End Payments and MMDAs Managed $2.5 billion retail deposit portfolio with weekly re-pricing responsibil ity. * Designed, priced and launched new relationship banking account for the affluen t. Doubled portfolio balances, maintained customer profitability levels three times that of any other segment and solidified dominant market share within one year. * Repackaged, re-priced and renamed line of retail money market deposit accounts , increasing portfolio profitability by 85% in one year. Northeast Savings, F. A., Hartford, CT 11/86-12/87 AVP, Manager of Market Information Established market information function that became foundation for strategic and tactical decision-making. * Designed, fielded and analyzed product positioning, new product evaluation, advertising testing, customer satisfaction and market share research. * Implemented a household Customer Information File for data mining, direct mark eting and enhanced understanding of customer profitability. Bank of Boston Connecticut/Colonial Bancorp, Waterbury, CT 9/82-11/86

AVP, Director of Marketing Oversight responsibility for all marketing planning, research and advertising. * Directed a $3 million campaign to change bank name. Developed advertising, dir ect marketing and public relations programs to position new bank brand to customers, employees and community. * Developed new corporate logo and signage. * Conducted new advertising agency search and selection. Genesco, Inc., Nashville, TN 9/81-7/82 Marketing Project Manager, New Ventures Identified and capitalized on new market opportunities for Fortune 500 shoe manufacturer. * Repositioned, redesigned and re-priced Wrangler shoes to leverage jean brand imagery and customer franchise more effectively. * Introduced first line extension of Johnston and Murphy shoes for women.