James A. Higgins

President and CEO @Skyline Financial Federal Credit Union

Waterbury, CT, US

Financial:• Developed budget for operating expense and income drivers • Grew profitability by 139.8%(pulled organization out of an 11+ year loss)• Grew capital YoY with increased profits.• Grew loan to share ratio from 42% to 72% over two years.• Developed new charge-off watch list for board communication• Manage investment portfolio• Manage liquidity risk Leadership:• Invest in infrastructure upgrades for all employees and membership• Contracted with consultants to provide hands-on training for key staff• Revamped the investment portfolio, took on short-term investments to help the investment ladder• Redefined ALCO, Management, Branch, and Marketing Committees • Implemented GAP Coverage for auto loansProject Management:• Launched new core system for CU, added additional programs for increase in fee revenue• Added Mobile App for CU, Mobile Wallet (Apple Pay / Samsung Pay / Google Pay)• Launched new ATM and ATM Network for more member services• Re-created all marketing to promote social media presence and launch of Skyline 101• Upgraded all member-facing technology for electronic account and loan originationRegulatory: • Conduct BSA and ACH audits and risk assessments• Manage the IT/IS Audits with third-party vendor• Manage Third-Party SOC II Filings• Develop the Disaster Recovery and Business Continuity Plan• Monitor all BSA activity for the organization• Got organization out of DORs and increased CAMELS rating.Management and Day to Day:• Monitor and maintain the budget and explained any variances• Vendor management including monitor of SOC I and SOC II Reviews• Manage marketing efforts of the institution

Albertus Magnus College

Bachelor’s Degree, Business Management and Leadership

Albertus Magnus College

Master of Business Administration (M.B.A.), Management, Operations, Leadership and Entrepreneurship