Paul Miller, Finance Expert in New York, NY, United States
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Paul Miller

Verified Expert  in Finance

Management Consulting Expert

Location
New York, NY, United States
Toptal Member Since
August 10, 2022

Paul led products that you have used; cashback on the card at point-of-sale (product owner at VISA International) and most services on your American Express Card (product director, developer, and manager). He offers over 25 years of omnichannel marketing, product management, operations, and analytics - often IT-focused. Paul delights in working for thought-provoking clients in starting, growing, and renewing their businesses and profits.

FintechGrowth StrategyBudgetingMarket ResearchEconomicsFintech ConsultantStartup ConsultingFinancial ModelingEconometrics

Education Highlights

Master's Degree
Relay Graduate School of Education
Master of Business Administration Degree (MBA)
University of Chicago - Booth
Master's Degree
Northwestern University

Case Studies

Work Experience

Principal

2019 - PRESENT
Catskill Vista and Associates
  • Consulted on optimizing processes for maximum profit, including market assessment, transition to digital, LTV, acquisition, retention, go-to-market, CRM, and product extensions.
  • Enhanced the data collection and QA of US News school ratings. Created a new way to sell ads to schools.
  • Advised on and sold a syndicated survey of a growing international payments market.
  • Expanded the lead generation by 71% for hard-to-sell Long Term Care by targeting clients and sponsoring webinars.
  • Built a training program for clients of an online college application and scholarship rewarding software.
  • Optimized the profit for a telecommunications firm. Planned new revenue as new equipment came online.
  • Improved a product that enables small businesses to increase customer loyalty and lifetime value.
Focus areas: Advertising, Sales, Microsoft Excel, Microsoft PowerPoint, Microsoft Word, Finance, Strategy, Operating Models, Economics, Trend Forecasting, Economic Analysis, Analytics, Teaching, Econometrics, Omnichannel Marketing, Product Owner, Product Development, Development, eCommerce, Lead Generation, Market Research, Telecom Equipment & Solutions, Consumer Health, Customer Lifetime Value, Loyalty Programs, New Products, Process Design, Startup Consulting, Customer Acquisition, Customer Retention, Web, Coordination, Profit & Loss (P&L), Profit Maximization, Software Design, Call Centers, Change Leadership, Product Launch, Web Content, Startups, Training, Public Speaking, Consulting, Change Management, B2B Partnerships, B2B2C, Business to Business to Consumer (B2B2C), Global Business, Paid Advertising, IT, SaaS, P&L Responsibility, Budgeting, Long-range Plans, Long-term Care, Vendor Selection, Contract Negotiation, Subscriptions, Expansion Strategy, Expansion, Product Growth, Communication, Training & Training Content Development, Customer Service, Monetization, Collateral, Account Management, Modeling, Competitive Analysis, Organizational Design, Digital Banking, Consumer Banking, B2C, B2B, Collaboration, Web Marketing, P&L Management, P&L Forecasting, Leadership, Focus Groups, Excel 365, Team Leadership, Organization, Go-to-market Strategy, Fintech, Growth Strategy, Marketing, Market Entry, New Product Rollout, Market Research & Analysis, Financial Marketing, Business Models, Fintech Consultant, Financial Modeling, Opportunity Identification, Product-market Fit, Pricing, Sales Strategy, Sales & Marketing, Sales & Channel Enablement, Marketing Strategy

STEM Teacher

2016 - 2019
New York City Department of Education
  • Taught in the NYC Teaching Fellows program. Only 5% of STEM teachers are accepted to teach at Title I schools. Fellows teach full-time while earning an MA.
  • Raised the state's science test pass rate from 19% to 37% by developing engaging lessons and labs.
  • Taught Special Ed and English as a second language. Mentored students through life challenges.
  • Designed and taught eleven online courses: science, history, entrepreneurship, and social/emotional skills.
Focus areas: Microsoft PowerPoint, Microsoft Word, Teaching, STEM, Science, Product Development, New Products, Coordination, Change Leadership, Web Content, Public Speaking, Training & Training Content Development, Curriculum Development, K-12 Education, Collaboration, Leadership, Excel 365

Principal

2007 - 2016
Greenway Marketing and Product Consulting
  • Consulted on improving profit from existing products and assets. Upgraded data analytics, communication, CRM, and LTV. Popular speaker and thought leader.
  • Grew acquisitions by 6% and retention by 9% at the Economist Magazine. Built the first global customer database. Built strategy for the acquisition of both digital and print.
  • Served as active CMO at a NASDAQ restaurant chain. Increased traffic by 8% at locations and launched a unique loyalty program.
  • Launched and trained a new channel for an asset lender (Boro.com) to sell mid-market loans.
  • Developed, planned, and executed MVP, revenue models, marketing, and product for nine startups.
  • Revitalized acquisitions via analytics and segmentation for Value Line stock reports when Morningstar was capturing market share.
Focus areas: Broadcasting, Sales, Microsoft Excel, Microsoft PowerPoint, Microsoft Word, Finance, Strategy, Operating Models, Economics, Trend Forecasting, Economic Analysis, Analytics, Econometrics, Omnichannel Marketing, Product Owner, Product Development, Development, eCommerce, Lead Generation, Market Research, Consumer Health, Customer Lifetime Value, New Products, Process Design, Startup Consulting, Customer Acquisition, Customer Retention, Web, Coordination, Profit & Loss (P&L), Profit Maximization, Software Design, Call Centers, Change Leadership, Product Launch, Web Content, Logistics & Supply Chain, Startups, Global Strategy, Conference & Event Production, Public Speaking, Consulting, Change Management, Quality Management, B2B Partnerships, Business to Business to Consumer (B2B2C), B2B2C, Global Business, Paid Advertising, IT, SaaS, P&L Responsibility, Budgeting, Long-range Plans, Vendor Selection, Contract Negotiation, Subscriptions, Expansion Strategy, Expansion, Product Growth, Communication, Training & Training Content Development, Customer Service, Monetization, Collateral, Account Management, Modeling, Competitive Analysis, Organizational Design, Consumer Banking, B2C, B2B, Collaboration, P&L Management, P&L Forecasting, Leadership, Term Loans, Focus Groups, Excel 365, Organization, Go-to-market Strategy, Fintech, Growth Strategy, Marketing, Market Entry, New Product Rollout, Market Research & Analysis, Financial Marketing, Business Models, Fintech Consultant, Financial Modeling, Opportunity Identification, Product-market Fit, Pricing, Sales Strategy, Sales & Marketing, Sales & Channel Enablement, Marketing Strategy, Credit/Debt, Credit Cards, Credit Card Processing, Prepaid Debit Cards, Business Services

Vice President Marketing and Development

2001 - 2007
JPMorgan Chase
  • Led growth in the $62 billion and 26 million card business. Tasked to increase retail banking profits: retail branch, auto, mortgage, and cards. Convinced level "C" on the long-term plan and budget ($68 million P&L, six staff, and a 54-person team).
  • Researched, built (IT and marketing), and launched installment and variable interest loans on the credit card. Refined credit policy with the credit lineup of 1.2 times in live-tested segments.
  • Expanded the retail bank's profit by coordinating card, auto loans, retail, and mortgage. Upgraded data analysis, cross-sell, and marketing. Initial results: car loans up by over 8% and $100+ million branch deposits.
  • Improved online payments by 48% to $22 million with targeted communications, web content, and CSR training.
  • Led go-to-market for B2B treasury products. Developed thought leadership pieces and collateral and advised on product development.
  • Sponsored and mentored three 6-Sigma teams for acquisition, CRM, and LTV.
  • Revised online payments product with content and customer service. Revenue jumped 48% to $22 million.
Focus areas: Credit Risk, Database Marketing, Competitive Strategy, Microsoft Excel, Microsoft PowerPoint, Microsoft Word, Finance, Strategy, Operating Models, Economics, Trend Forecasting, Economic Analysis, Analytics, Teaching, Econometrics, Omnichannel Marketing, Product Owner, Product Development, Development, eCommerce, Lead Generation, Market Research, Customer Lifetime Value, Loyalty Programs, New Products, Process Design, Startup Consulting, Customer Acquisition, Customer Retention, Web, Coordination, Profit & Loss (P&L), Profit Maximization, Six Sigma, Software Design, Call Centers, Change Leadership, Product Launch, Web Content, Startups, Training, Global Operations, Global Strategy, Conference & Event Production, Public Speaking, Consulting, B2B2C, Business to Business to Consumer (B2B2C), Global Business, IT, P&L Responsibility, Budgeting, Long-range Plans, Vendor Selection, Vendor Management, Contract Negotiation, Subscriptions, Expansion Strategy, Expansion, Product Growth, Communication, Training & Training Content Development, Customer Service, Monetization, Collateral, Modeling, Competitive Analysis, Organizational Design, Digital Banking, Consumer Banking, B2C, B2B, Collaboration, Web Marketing, P&L Management, P&L Forecasting, Leadership, Loans, Secured Loans, Term Loans, Focus Groups, Team Building, Team Leadership, Organization, Go-to-market Strategy, Fintech, Growth Strategy, Marketing, Market Entry, New Product Rollout, Market Research & Analysis, Financial Marketing, Business Models, Fintech Consultant, Financial Modeling, Opportunity Identification, Product-market Fit, Pricing, Sales Strategy, Sales & Marketing, Sales & Channel Enablement, Marketing Strategy, Credit/Debt, Credit Cards, Credit Card Processing, Prepaid Debit Cards, Business Services

VP of Marketing and Product Development

2000 - 2000
Sharemax.com
  • Led marketing at a startup disrupting logistics and supply businesses by efficiently sourcing and shipping supplies worldwide. VC defunded during the 2,000 "dot.com" bubble.
  • Contracted with over 1,450 global sourcing suppliers to be part of the firm's network.
  • Trained staff quickly who had been at consulting firms to develop and implement company strategies and methods.
  • Acquired a beta test client for the assessment of a minimum viable product.
Focus areas: Sales, Microsoft Excel, Microsoft PowerPoint, Microsoft Word, Finance, Strategy, Operating Models, Economics, Trend Forecasting, Economic Analysis, Analytics, Teaching, Econometrics, Omnichannel Marketing, Product Owner, Product Development, Development, eCommerce, Lead Generation, Market Research, Customer Lifetime Value, New Products, Process Design, Startup Consulting, Customer Acquisition, Customer Retention, Web, Coordination, Profit & Loss (P&L), Profit Maximization, Six Sigma, Software Design, Call Centers, Change Leadership, Product Launch, Web Content, Startups, Training, Global Strategy, Global Operations, Conference & Event Production, Public Speaking, Consulting, Business to Government (B2G), Change Management, B2B Partnerships, B2B2C, Business to Business to Consumer (B2B2C), Global Business, IT, P&L Responsibility, Budgeting, Long-range Plans, Vendor Selection, Vendor Management, Contract Negotiation, Subscriptions, Expansion Strategy, Expansion, Product Growth, Communication, Training & Training Content Development, Customer Service, Monetization, Collateral, Modeling, Competitive Analysis, Organizational Design, Consumer Banking, B2B, Collaboration, Web Marketing, P&L Management, P&L Forecasting, Leadership, Focus Groups, Team Building, Team Leadership, Organization, Go-to-market Strategy, Growth Strategy, Marketing, Market Entry, New Product Rollout, Market Research & Analysis, Financial Marketing, Business Models, Fintech Consultant, Financial Modeling, Opportunity Identification, Product-market Fit, Pricing, Sales Strategy, Sales & Marketing, Sales & Channel Enablement, Marketing Strategy

Corporate Vice President

1999 - 2000
NY Life
  • Led the internet and strategic marketing departments. Maintained sales leads as insurance migrated from agent to a hybrid online/offline model. Collaborated with agent leaders who worried about disintermediation.
  • Evolved the firm's strategy with an $18 million website and an eCommerce option if the firm had to sell online.
  • Revitalized lead generation for 10,000+ agents by modeling web referrals with actual sales and other data.
  • Trained 2,000+ executives to be entrepreneurial as the firm planned to demutualize and go public. Funded and mentored executive ideas using an internal VC model.
  • Conceived and built a service for caregivers of seniors and children. This was spun out as a division.
Focus areas: Home Services, Excel 365, Advertising, Microsoft Excel, Microsoft PowerPoint, Microsoft Word, Finance, Strategy, Operating Models, Economics, Trend Forecasting, Economic Analysis, Analytics, Econometrics, Omnichannel Marketing, Product Owner, Product Development, Development, eCommerce, Lead Generation, Market Research, Customer Lifetime Value, New Products, Process Design, Startup Consulting, Customer Acquisition, Customer Retention, Web, Coordination, Profit & Loss (P&L), Profit Maximization, Software Design, Call Centers, Change Leadership, Product Launch, Web Content, Startups, Training, Global Operations, Conference & Event Production, Public Speaking, Consulting, Change Management, Quality Management, B2B Partnerships, Paid Advertising, IT, P&L Responsibility, Budgeting, Long-range Plans, Long-term Care, Vendor Selection, Vendor Management, Contract Negotiation, Life Insurance, Insurance Broking, Subscriptions, Expansion Strategy, Expansion, Product Growth, Communication, Customer Service, Monetization, Collateral, Curriculum Development, Modeling, Competitive Analysis, Organizational Design, Digital Banking, Consumer Banking, B2C, B2B, Collaboration, Web Marketing, P&L Management, P&L Forecasting, Leadership, Loans, Term Loans, Focus Groups, Team Building, Team Leadership, Organization, Go-to-market Strategy, Growth Strategy, Marketing, Market Entry, New Product Rollout, Market Research & Analysis, Financial Marketing, Business Models, Fintech Consultant, Financial Modeling, Opportunity Identification, Product-market Fit, Pricing, Sales Strategy, Sales & Marketing, Sales & Channel Enablement, Marketing Strategy, Credit/Debt, Credit Cards, Credit Card Processing, Prepaid Debit Cards, Business Services

Varied

1982 - 2000
Various
  • Ran global card services for American Express (Amex): travel emergency, auto insurance, ATMs, 16 million monthly newsletters, and retailer promotions.
  • Grew the ATM use at Amex by 34% by expanding the network and marketing. Product P&L increased 32% to $63 million with a service budget of $110+ million.
  • Grew revenue by 10.3% to $1.3 billion at AT&T (SNET) as Director/CMO of 1.4 million lines, cell, and retail. Upgraded analytics, bundling, pricing, and marketing.
  • Beat long-distance share growth budget at AT&T: 37 points and a $36+ million budget. Victory in Fortune: "First Blood in the Telecom War."
  • Coordinated a system-wide build of cash-back at the register: VISA International (initial spend up $3 billion). Authored the chips/security strategy. Repped VISA to Treasury/Agriculture Departments to get SNAP, WIC, and Treasury payment contracts.
  • Led Midwest industrial consulting at an economic consultancy (S&P/DRI). Forecasted industry trends and business demand and identified buyers. Sold consulting, data, and SaaS analytics systems. Expanded team billings by 41% to $5.2 million.
  • Launched a channel to sell loans to mid-market firms underserved by banks. Trained partner lenders to secure loans using Boro.com (a secured-loans lender with luxury items, including art, yachts, and jewelry) if a firm had poor credit.
  • Oversaw direct-marketed subscription video series at CBS: Lucy, WWII, History of Aviation. Calculated the NFL bid. Authored reports for advertisers on the advantages of CBS demographics.
  • Led financials for production/sales of a video subscription series at CBS: Lucy, WWII, and a History of Aviation. Calculated the NFL bid. Analyzed ad effectiveness and wrote guides showing the advantages of using CBS broadcast time and demographics.
  • Started an eCommerce site (CubicleComfort.com) selling items for office workers' desks (cubicles): personalized name plates, Zen gardens, and other products to make workdays easier.
Focus areas: Advertising, Credit Risk, Competitive Strategy, Growth Hacking, Sales, Conference & Event Production, Microsoft Excel, Microsoft PowerPoint, Microsoft Word, Finance, Strategy, Economics, Economic Analysis, Analytics, Teaching, Science, Econometrics, Product Owner, Product Development, Development, eCommerce, Lead Generation, Market Research, Telecom Equipment & Solutions, Customer Lifetime Value, Loyalty Programs, Process Design, Customer Acquisition, Customer Retention, Web, Coordination, Profit & Loss (P&L), Profit Maximization, Six Sigma, Software Design, Call Centers, Change Leadership, Product Launch, Web Content, Logistics & Supply Chain, Startups, Training, B2B Partnerships, SaaS, P&L Responsibility, Budgeting, Long-range Plans, Vendor Selection, Vendor Management, Contract Negotiation, Life Insurance, Insurance Broking, Home Services, Subscriptions, Expansion Strategy, Expansion, Product Growth, Communication, Training & Training Content Development, Customer Service, Monetization, Collateral, Account Management, Curriculum Development, Broadcasting, Modeling, Competitive Analysis, Organizational Design, Consumer Banking, B2C, B2B, Collaboration, P&L Management, P&L Forecasting, Leadership, Loans, Term Loans, Focus Groups, Team Building, Team Leadership, Organization, Go-to-market Strategy, Fintech, Growth Strategy, Marketing, Market Entry, New Product Rollout, Market Research & Analysis, Financial Marketing, Business Models, Fintech Consultant, Financial Modeling, Opportunity Identification, Product-market Fit, Pricing, Sales Strategy, Sales & Marketing, Sales & Channel Enablement, Marketing Strategy, Credit/Debt, Credit Cards, Credit Card Processing, Prepaid Debit Cards, Business Services
2016 - 2018

Master's Degree in Elementary Education K-12

Relay Graduate School of Education - New York, New York, USA

1980 - 1982

Master of Business Administration Degree (MBA) in Marketing and Finance

University of Chicago - Booth - Chicago, Illinois, USA

1979 - 1980

Master's Degree in Economics

Northwestern University - Evanston, Illinois, USA

1974 - 1979

Bachelor's Degree in Economics

Queens College - New York, New York, USA

JANUARY 2021 - PRESENT

Digital Marketing

Gies School of Business - University of Illinois

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