Patrick Scotto Di Luzio

Experience

• 

  McKinsey & Company

  Apr 2002 - May 2004

  Associate

  Consultant for clients in retail, telecommunications, and financial services.

• 

  BMO Financial Group

  May 2004 - Jan 2013

  Led the development, refinement, and management of high-value business strategies for BMO’s US operations, focusing on BMO Harris Bank. Managed annual resource allocation and enterprise strategy development processes for BMO's Management Committee and Board of Directors. Member of BMO Harris Bank’s Senior Leadership team. Led multiple strategic projects for BMO Financial Group at the corporate, operating group, and line of business level. Focus on sales model design and distribution strategies for BMO's Canadian Personal & Commercial Bank.

  • VP and Managing Director, Head of US Strategy

    Jan 2008 - Jan 2013

  • Senior Manager / Director, Strategy

    May 2004 - Dec 2007
• 

  BMO Harris Bank

  Jan 2013 - Jun 2015

  VP and Managing Director, Head of Deposits and Personal Segment Management

  Led the Bank’s Personal Segment programs (Premier Services, Bank at Work, Latino Banking, Cross-border Banking) and aligned activities across the organization to grow segment revenues, optimize the Bank’s $32B Personal and Small Business Deposits book, and drive profitable customer acquisition.

• 

  Charles Schwab

  Jun 2015 - now

  Responsible for strategy, product development, product management, analytics, and pricing of Schwab's deposits, payments and margin solutions (~$250B in balances), as well as product management of Schwab's brokerage and tax-advantaged account solutions. Responsible for Schwab’s cash products and strategy across Bank and Broker Dealer. Accountabilities include Deposit product strategy, development, and execution; Cash analytics and pricing; Payments strategy and execution.

  • SVP Cash, Margin, Payments & Account Solutions

    Sept 2018 - now

  • VP Cash Strategy, Deposits and Payments

    Jun 2015 - Aug 2018