Expert Profile
Calvin Johnson is currently President and Chief Operating Officer at Electronic Commerce Strategies. He has over 30 years of diversified Financial Services Industry experience in commercial banks, thrift institutions, consulting firms, and technology companies in functions such as marketing, strategic planning, product development, systems design, and project management. Mr. Johnson served as President of the Electronic Banking subsidiary of a large regional bank with responsibilities for identifying and developing market opportunities for new sources of fee-based revenues in areas such as ATM Deployment, Supermarket Banking, Debit Cards, Merchant Point-of-Sale Services, and Home Banking. He was a co-founder of the world's first Internet bank, Security First Network Bank, which evolved into S1 Corporation. Today Mr. Johnson advises financial institutions & technology companies on Retail Banking, Bank Technology, Payments Systems, and Transaction Processing operations & strategies He is known as a creative, results-oriented executive in both line and staff assignments and is also a Six Sigma certified consultant. His track record is that of a successful innovator and entrepreneur who possesses superior analytical skills, a high energy level, tenacious perseverance, and a commitment to quality performance, effective team-building, and open communications. He has also served as a dedicated community service volunteer to many professional, civic, church, and educational organizations. Mr. Johnson has had many of his electronic banking writings published by a variety of industry periodicals and trade associations and has also co-authored several Georgia State laws relating to Debit Card Theft and Fraud, ATM Lighting Standards, and ATM Surcharges. In addition to being a pioneer in ATMs, POS, and EBT, Mr. Johnson was a co-founder of Security First Network Bank, the world’s first Internet bank. He also has been a frequent speaker on a variety of retail and electronic banking topics, both in the United States, as well as in Asia and Africa and serves as an advisor to a network of investment bank analysts of a variety of Payments Systems, Retail Banking, Credit Cards, and Bank Technology topics. Mr. Johnson holds a BS degree with Highest Honor in Management Science from Georgia Tech where he graduated number one in the College of Industrial Management and was nominated for a Rhodes Scholarship. He received his MBA degree in Finance and Marketing from the University of Chicago Graduate School of Business where he was the E. I. DuPont Fellow and a Leon Carroll Marshall Scholar.
ELECTRONIC COMMERCE STRATEGIES, Atlanta, Georgia • 1996-Present
Provider of e-business, marketing, and operations consulting services across the financial services, telecom, consumer products, media, and technology industries, among others.
Founder, President & Chief Operating Officer
Conceptualize and deliver on strategic plans for C-Level client executives and manage a range of projects, programs, and implementations to ensure delivery on time, on budget, and on target. Conduct engagements comprising market research, operations analysis, and technology evaluation. Advise a broad network of industry executives and financial professionals nationwide, including bank analysts, fund managers, and venture capitalists, on bank technologies, card services, payment systems, and financial services. Drive business development and oversee day-to-day operations.
SECURITY FIRST NETWORK BANK, Atlanta, Georgia • 1995-1996
The world’s first Internet bank, providing retail banking services with $200M in assets; acquired by Royal Bank of Canada and ultimately evolved into S1 Corporation.
Co-Founder, Executive Vice President & Director of Operations
Pioneered a completely new business model and ensured regulatory compliance in structure, business processes, and operations. Created key applications and interfaces, as well as a new process for debit card and bill payment services and IVR and call center programs. Forged strategic alliances and bank technology partnerships for consumer banking products. Served as Chief Technology Officer (CTO) for parent corporation Cardinal Bancshares.
MBA – Finance & Marketing • University of Chicago, Chicago, Illinois
Named Leon Carroll Marshall Scholar & Awarded the E. I. DuPont Fellowship
BS – Management Science (Highest Honor) • Georgia Institute of Technology, Atlanta, Georgia
Graduated #1 in Class & Nominated for a Rhodes Scholarship
Certified Six Sigma Green Belt
• Headed a multimillion dollar international money transfer project for Bank of America.
• Directed a comprehensive 9 month customer relationship management (CRM) project for Fidelity Southern, from needs assessment and scope definition through final delivery.
• Designed a multi-channel community banking delivery system for United Bank that integrated web-based offerings with a call center, an IVR, and a manned facility.
• Developed a browser-based desktop loan decision support system for installation at automotive dealerships for Citibank’s Dealer Finance Division.
• Supported Internet banking and bill payment software evaluation for top 15 multibank holding company US Bank.
• Earned the Bell South Excellence in Marketing Award for a bundled Internet banking and telecommunications services solution that yielded a $2M sale to a large regional bank.
• Published a transaction processing industry e-newsletter (www.tpatlanta.com) for 3+ years.
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