Joseph Esposito
Verified Expert in Product Management
Product Manager
Los Angeles, CA, United States
Toptal member since September 12, 2024
As VP and UX strategy lead at City National Bank, Joe led product partnerships and integrations. Pedigreed in consumer media, Joe pivoted to finance at JPMorgan Chase, where he digitized an asset-backed loan from zero to one. He’s worked with E*TRADE, Apple, and fintech vendors, integrating AI/ML tools. Throughout, Joe has been the lead content designer and UX writer. His full-stack mentality ranges from analyzing search traffic to marketing, onboarding, and transaction pages.
Project Highlights
Expertise
- Confluence
- Figma
- Fintech
- Fintech Tools
- Jira
- Lean Product Manager
- Product Management
- Product Owner
Work Experience
VP | UX Strategy Lead
City National Bank
- Saved 14% in annual expenses by migrating the fintech partnership to an in-house build.
- Analyzed metrics over a previous 5-year period and championed the API strategy, pilot, and user communications.
- Reduced project management time by 8% by optimizing user feedback retrieval and creating a company culture of data.
Senior Content Manager
Apple
- Devised strategic product and UX enhancements, increasing Marcom and Apple Finance products' conversion rate and overall ROI.
- Led a content strategy dark project to enhance the shoppability of Apple.com. Strategized Apple Card inclusion and upselling.
- Conducted A/B testing with the data science team, increasing add-to-bag percentage and decreasing returns/exchanges. Apple posted an all-time quarterly revenue record of $123.9 billion, up 11% YoY.
- Redesigned website and mobile pages with the UX design team, optimizing navigation for domestic and international markets.
Senior Product and Content Strategist
JPMorgan Chase
- Managed a team of five product content designers. Also, I partnered with data science, research, engineering, and personalization colleagues to ensure optimal UX, focusing on digital wealth management.
- Generated over $500 billion in funding through an investment product by managing vendor integrations and content strategy. Headed the content creation process as the principal stakeholder on the scrum team.
- Achieved a 15% conversion rate for a $21 billion HNW client loan product by shortening onboarding from 20 days to less than one day. Aggregated online and offline materials to prioritize features, leading prototyping and approvals.
Senior Content Strategist
E*TRADE
- Redesigned the iPad app, ranking in the top 10 in finance apps.
- Launched the eTrade flagship branch in midtown NYC featuring an iPad app-based adaptive portfolio.
- Integrated the OptionsHouse derivative trading platform, pairing advanced order capabilities with a two-factor authentication Symantec upgrade.
Associate Director, Product Strategy
Marriott
- Supervised a team of 60+ global field marketers on the development and execution of content and brand strategies. Owned video, UCG/reviews, and rich media integrations and UX. Managed a product portfolio of 11 brands worth $3 billion in annual digital revenue.
- Developed multiple APIs for the mobile app, Apple Watch, and partner sites, including YouTube, Expedia, and Priceline.
- Raised the conversion rate by 130% and increased annual revenue by managing the video content strategy. Negotiated with senior brand executives on service-level agreements, achieving a 24% cost decrease.
Project History
JPMorgan Chase | Launch of the Top 1 Digital Wealth Management Product
https://www.jwesposito.com/work/chaseAcquired $500+ billion in account funding, an aggregate increase in digital account enrollment.
JPMorgan Private Bank | Digital Experience Conversion of a Legacy Loan Product
https://www.jwesposito.com/work/j-p-morganAchieved a 15% conversion rate, 630 open lines, and 1.6 days in average setup time—which was an 88% decrease from the legacy experience.
I analyzed the existing origination flow and unpacked UX research, which showed that clients wanted advisor engagement complemented by digital services.
City National Bank | Personal Banking Redesign & Vendor Tech Migration
https://www.jwesposito.com/work/city-national-bankSaved $25 million in annual expenses by migrating fintech products in-house and increased digital enrollment speed by 8% after the Account Summary launch.
I created a Kanban for all stakeholders, prioritizing capabilities and features and decomposing them into Jira initiatives, epics, and stories. I also ensured tracking tags were implemented for Adobe, Tableau, Qualtrics, and Facebook Connect.
Reimagine Product and Content for Apple.com
https://www.jwesposito.com/work/appleAchieved a $250 million quarterly revenue boost through digital content transformation and an overall increase in add-to-bag and conversions.
Problem: Apple does not serve 'browser' shoppers well.
Mandate: Improve product integrations for Apple products and services.
Methodology
• Determine content and products worth testing, test location, and show/hide.
• Unpack research from Deloitte, McKinsey, and internal findings.
Apple Card Buy Flow Integration Strategy
https://www.jwesposito.com/work/apple#ApplePayIncreased Apple Card enrollment, accelerated first-time spend timeline, and improved overall purchase balance.
I conducted A/B tests on designs across eligible locales and suggested key content pillars: cash back, no fees, free card, and privacy. This strategy led to increased cardholder growth, more iPhone Pay activations, and higher merchant partner spend with companies like Uber, Walgreens, and T-Mobile.
Integration into buy flows
I integrated Apple Card monthly installments into the checkout process, ensuring the language was clear for both buy and finance options. I also tested placements of Apple trade-in and carrier selection to optimize the user experience.
Dashboard design
I collaborated with colleagues from Wallet, Card, and Pay to reimagine Apple's banking experiences.
Certifications
Certified SAFe Product Manager (CSPM)
Scaled Agile, Inc.
Certified SAFe Product Owner (CSPO)
Scaled Agile, Inc.
Skills
Tools
Jira, Confluence, Adobe Experience Manager (AEM), FactSet, Apache Solr, Wrike, Adobe Analytics, Figma, FIS
Platforms
InvestCloud, Bankrate
Paradigms
Design Thinking
Other
Fintech Tools, Product Management, Product Owner, Lean Product Manager, Plaid, Square, MX Technologies, Envestnet, Morningstar, Fintech, Salesforce, SQL, Webflow, Markit Systems, Adobe Target, Finance, Media, Technology, Content Management, Videos, Writing & Editing, Copywriting, Content Strategy, Vendor Management, Product Strategy, Product Marketing, Key Performance Indicators (KPIs), Product Design, Marketing, Integrated Marketing Communications Planning, Innovation
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