Mohamed Zarrugh, Finance Expert in Scottsdale, AZ, United States
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Mohamed Zarrugh

Verified Expert  in Finance

Management Consulting Expert

Location
Scottsdale, AZ, 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 of up to $180 million. He is a finance expert who 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.

Growth StrategyManagement ConsultingBusiness TransformationFinancial ForecastingBusiness DevelopmentMarket Research AnalystPerformance ImprovementCompliancePitch Deck ConsultantCommercial BankingGrowth Strategy ConsultantsPost-merger IntegrationBusiness Plan ConsultingInvestor Relations ConsultantFintechTrade FinanceCompensationBusiness ImprovementOperational Excellence

Career Highlights

Strategy Consulting Leader
Wells Fargo
Internal Consultant Executive
JPMorgan Chase
Contract Management Consultant
State of Oregon

Case Studies

Work Experience

Managing Director

2023 - PRESENT
Zarrugh Consultancy LLC
  • Supported broad transformational changes for a medical device company, revamping the value proposition within their current target market for greater value while framing a strategic initiative to enter new markets.
  • Led a post-M&A integration effort for a major food distributor with a new strategic buyer, outlining strategies in the operational future state model with other change management initiatives.
  • Streamed billing operations for a prominent dental office to improve account receivables while tracking and managing activities across personnel with improved metrics and reporting.
Focus areas: Business Management, Strategic Planning, Performance Management, Financial Modeling, Process Improvement, Pitch Deck Consultant, Business & Digital Transformation, Customer Experience Strategy, Data Analytics, Consulting, Operational Efficiency Improvement, Team Mentoring, Team Effectiveness, Team Management, Motivation, Organizational Strategy & Design, Growth, Business Proposals, Communication, Corporate Finance, Retail Strategy, Investor Presentations, Financial Products, Competitor Analysis & Profiling, Market Fit, Inventory Management, Innovation, Innovation Strategy, Early-stage Funding, Competition Research, Market Research & Analysis, Market Entry, Market Opportunity Analysis, Market Research, Cost Reduction & Optimization, Restaurant Operations, Control & Cost Analysis, Food & Beverage, Financial Analysis, ROI, Fundraising Consultant, Capital Raising, Storytelling, Financing, Media, Revenue Modeling, Business Models, Monetization, Monetization Models, Sales Operations, Logistics & Warehousing, Fundraising Strategy, Hospitality, Sales Funnel, CIM, Confidential Information Memorandum (CIM), Microsoft 365, Business Analysis, Business Process Analysis, Organizational Change Management (OCM), Business Analytics, Business Intelligence (BI), Forecasting, Financial Planning & Analysis (FP&A), Financial Reporting Dashboards, Internal Financial Reporting, BI Reports, Fund Structure, Structuring of Funds, Valuation, Pre-revenue Valuation, White Papers, Startups, Pitch Decks, SaaS, Middle East, Investor Relations Consultant, Term Sheet Advisory, Cap Tables

Principal 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), Agile Coaching, Process Optimization, Investments & Risk Management, Family Office COO, Advisory, Business Technology, Technology, Compliance, Operations, High Net Worth Individuals (HNWI), Industrial & Manufacturing, Digital Marketing, Post-merger Integration, PMI, Stakeholder Interviews, Consumer Packaged Goods (CPG), PowerPoint Design, Trading, Stock Trading, Financial Data, Digital Health, Product Design, New Products, Logistics, Supply Chain, Supply Chain Optimization, Market Entry, Market Opportunity Analysis, Roadmaps, TOM, Monetization, SaaS Product Management, Trend Analysis, Luxury Industry, NAV, Investment Funds, Commercial Real Estate Finance (CREF), RiskMetrics, Waterfall Methodology, Real Estate Development, Business Proposals, CPG, Equity Valuation, Corporate Finance Consultant, Logistics & Supply Chain, Business Process Optimization, Early-stage Venture Capital, Seed Fundraising, Startup Funding, Business Plan Consulting, Real Estate, Investment Memoranda, Thought Leadership, Content Marketing, Cost Reduction & Optimization, Control & Cost Analysis, Financial Analysis, ROI, FMCG, Fundraising Consultant, Capital Raising, Storytelling, Financing, Media, Monetization Models, Private Equity, Chief of Staff, CIM, Confidential Information Memorandum (CIM), Microsoft 365, Business Analysis, Business Analytics, Business Intelligence (BI), Financial Reporting Dashboards, Internal Financial Reporting, BI Reports, Fund Structure, Structuring of Funds, Pre-revenue Valuation, White Papers, Investor Relations Consultant, Term Sheet Advisory, Cap Tables

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 commercial banking and consumer 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 strategic marketing and 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, Marketing Leadership, Chief Marketing Officer (CMO), 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), Financial Services, Performance Improvement, Process Optimization, Investments & Risk Management, Family Office COO, Advisory, Business Technology, Technology, COO, Compliance, Operations, High Net Worth Individuals (HNWI), Digital Marketing, Stakeholder Interviews, PowerPoint Design, HR / Workforce Transformation, HR Transformation, Human Resources (HR), Compensation Plans, Sales Compensation Structuring, Commercial Lending, Strategic Marketing

Internal Consultant Executive

2006 - 2017
JPMorgan Chase
  • Reduced 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, Process Optimization, Investments & Risk Management, Business Technology, Technology, Compliance, Operations, Digital Marketing, Post-merger Integration, PMI, Stakeholder Interviews, PowerPoint 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
Image of Better Digital Banking Through Data Analytics publication
Publication

Better Digital Banking Through Data Analytics

https://www.toptal.com/finance/data-analysis-consultants/data-analytics-in-banking
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

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

Finance

Performance Reports, Business Intelligence (BI), Financial Modeling, Data Analysis, Market Research, Financial Planning & Analysis (FP&A), Customer Lifetime Value, Pricing, Mergers & Acquisitions (M&A), Cross-border M&A, Fundraising, Total Addressable Market (TAM), Cost-benefit Analysis, Valuation, Trade Finance, Incentive Simulations, Market Opportunity Analysis, RiskMetrics, Equity Valuation, Corporate Finance, Seed Fundraising, Startup Funding, Mortgage REITs, Investment Memoranda, Cost Reduction & Optimization, ROI, Capital Raising, Monetization Models, Private Equity, Internal Financial Reporting, Fund Structure, Structuring of Funds, Pre-revenue Valuation, Revenue Modeling, Forecasting, Revenue & Expense Projections, Pricing Strategy, Profitability Analysis, Stock Trading

Output Software

Microsoft Excel, Microsoft PowerPoint

Data & Analysis Software

Financial Data, Tableau, Power Pivot

Industry Expertise

Mobile User Acquisition, Financial Services, Banking & Finance, Small Business, Retail & Wholesale, Technology, Real Estate, Confidential Information Memorandum (CIM), Early-stage Startups, Food & Beverage, Food, Healthcare, Venture Capital, Industrial & Manufacturing, Logistics, Real Estate Development, Hospitality

Geographic Expertise

Middle East, United States

Other

Executive MBA, Operations Management, Process Improvement, Lean Analytics, Strategic Planning, Change Management, Analytics, Process Mapping, Customer Journeys, Strategic Planning & Execution, Strategy Consulting, Strategic Initiatives, Channel Management, Digital Channels, Contact Centers, Balance Scorecards, Performance Analysis, Performance Management, Business Performance Management (BPM), Business Audits, Process Flows, Data Strategy, Knowledge Management, Teradata, Microsoft SQL Server, Business Analysis, Business Process Improvement (BPI), Process Design, Lean Six Sigma, Business Models, Go-to-market Strategy, Startups, Net Promoter Score (NPS), Customer Satisfaction, Digital Strategy, Customer Segmentation, Customer Analysis, Growth Strategy, Customer Analytics, Data Analytics, Customer Insights, Data Science, Agile, Product Strategy, Documentation, Finance, Compensation Plans, Business Strategy, Financial Data Analytics, Management Consulting, Innovation, Design, Omnichannel Marketing, Customer Experience, Digital Transformation, Customer Success, Fintech, Transformational Leadership, Sales Strategy, Business Processes, Business Process Modeling, Operating Models, Business Process Analysis, Organizational Change Management (OCM), Product-market Fit, Business Partnerships, Storytelling, Communication, Brand Building, Content Writing, Mobile, Business to Consumer (B2C), Pitch Decks, Strategy, Business Development, Global Banking, Business Cases, Analysis, Business Planning, Large-scale Projects, Marketplaces, Growth Strategy Consultants, Chief Operations Officer (COO), Business Operations, COO, Pitch Deck Consultant, Presentations, Executive Presentations, Product Development, Market Research & Analysis, Use Case Analysis, Key Performance Indicators (KPIs), Agile Product Management, SWOT Analysis, Market Research Analyst, Surveys, Competitive Analysis, Organization Assessment, Consulting, New Business Development, Business Logic, Sales, Competition Research, Business Services, Business Transformation, Financial Forecasting, Microsoft Visio, Organizational Design, Compensation Programs, Compensation, Performance Improvement, Go-to-market Plans, Growth, Apps, B2B Partnerships, Sales Growth, SaaS, Competitive Strategy, Sales Effectiveness, Fundraising Strategy, Commercial Banking, B2B, Product Benchmarking, Benchmarking, Incentive Plan Design, Operational Excellence, Business Process Management (BPM), Business Process Flow (BPF), Agile Coaching, Process Optimization, Investments & Risk Management, Family Office COO, Advisory, Business Technology, Compliance, Operations, Post-merger Integration, PMI, Stakeholder Interviews, PowerPoint Design, Trading, Product Design, New Products, Market Entry, Roadmaps, TOM, Monetization, Trend Analysis, Luxury Industry, Investment Funds, Operational Efficiency Improvement, Team Mentoring, Team Effectiveness, Team Management, Motivation, Organizational Strategy & Design, Business Proposals, Corporate Finance Consultant, Logistics & Supply Chain, HR / Workforce Transformation, HR Transformation, Human Resources (HR), Business Process Optimization, Early-stage Venture Capital, Sales Compensation Structuring, Commercial Lending, Retail Strategy, Business Plan Consulting, Investor Presentations, Financial Products, Competitor Analysis & Profiling, Market Fit, Inventory Management, Innovation Strategy, Thought Leadership, Content Marketing, Early-stage Funding, Control & Cost Analysis, Financial Analysis, Fundraising Consultant, Financing, Media, Sales Operations, Chief of Staff, Sales Funnel, CIM, Microsoft 365, Business Analytics, Financial Reporting Dashboards, BI Reports, White Papers, Investor Relations Consultant, Term Sheet Advisory, Cap Tables, Payment Collection, Business Modeling, Digital Marketing Strategy, Growth Marketing, Digital Experience Design, Data-driven Marketing, Market Sizing, Market Segmentation, Sales Compensation, Strategic Partnerships, Partnerships, Brand Strategy, Branding, Public Relations (PR), Edtech Design, Marketing Strategy, B2C, Marketing, Chief Marketing Officer (CMO), Brand Positioning, Growth Hacking, Digital Branding, Enterprise Software, Pricing Consulting, Pricing Models, Investment Banking, M&A Strategy, eCommerce, Workshop Facilitation, Workshops, Business to Business (B2B), Opportunity Identification, Subscriptions, Marketing Leadership, Artificial Intelligence (AI), Direct to Consumer (D2C), Agile Software Development, Angel Investing, Healthcare IT, Affiliate Marketing, Internet Marketing, Software as a Service (SaaS), High Net Worth Individuals (HNWI), Digital Marketing, Consumer Packaged Goods (CPG), Digital Health, Supply Chain, Supply Chain Optimization, SaaS Product Management, NAV, Commercial Real Estate Finance (CREF), Waterfall Methodology, CPG, Restaurant Operations, FMCG, Logistics & Warehousing, Total Quality Management (TQM), Kanban, Scientific Data Analysis, Change Leadership, Team Leadership, QA Leadership, MIS Reporting, Decision Support, Key Performance Metrics, Statistical Analysis, Hypothesis Testing, Microsoft Power BI, Financial Statements, Call Centers, Pattern Recognition, Productivity, Startup Growth Strategy Development, Diagnostics, Business Management, Business & Digital Transformation, Customer Experience Strategy, Strategic Marketing

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