Michael Kehres

About Michael Kehres

Results-driven Senior Project, Program Manager and Payment Products SME with 27 years in consumer and small business banking, specializing in digital payments, Agile transformation, and complex program delivery. Renowned for leading enterprise-scale initiatives with precision, including the design and execution of payment systems, large-scale platform conversions, and bank merger integrations across 50 institutions. Adept at managing vendor relationships, ensuring operational continuity, and delivering strategic solutions in highly regulated environments. Proven success implementing managed service models, leading cross-functional teams, and partnering with legal, compliance, and risk groups to navigate regulatory complexities. Line of Business Owner for digital payments, with deep subject matter expertise across deposit operations, A2A transfers, consumer ACH, Zelle, wires, regulatory compliance and fraud/risk mitigation strategies. Adept at thriving in high-stakes environments with confidentiality, urgency, and precision. Recognized for turning around failing projects, resolving delivery roadblocks, and bringing strategic clarity to complex operations. I attribute my success to three of my core beliefs:(1) Encouraging proactive collaboration leads to better products and services, as well as providing \"best in market\" client experiences;(2) Creativity that also utilizes analysis to drive design that benefits clients as well as the business;(3) Building diverse teams and rapport between teams is best achieved with clear, direct, honest and objective communication. My colleagues and executive partners appreciate my straightforward nature and focus on client experience to drive business results. They describe me as insightful, empathetic, intuitive, innovative and committed to results. Career Proficiencies: • Product Manger • Program Management • Experience in banking related services • Online banking support and training • Payment solutions support and design • Subject Matter Expert in internal account access systems, online banking system, mobile banking application and products • Subject Matter Expert in non-card money movement services • Experience in customer service and customer experiences positions • Retail management • Proven ability to effectively analyze and resolve customer service issues • Proven ability to lead large project initiatives on Retail Banking services

Experience

1. Consumer Money Movement Product Manager

   Regions Bank

   Sep 2025 — Present · Birmingham, AL, US

   At Regions, the Product Manager assists in the development, execution, and tracking of marketing or business segments programs for a product or product line by collecting, analyzing, and reporting marketing and sales performance data.Primary Responsibilities• Strategizes promotional, marketing, and communication programs for all specified products and services as well as produce standard management reporting• Researches and compiles business and industry competitive data to analyze and develop tactics to achieve strategic goals• Manages sales information, projections, and other meaningful data and prepares forecasts on market evolution and company products• Leads the executions of marketing strategies including advertising, packaging, pricing, expense budgets, profit plans, and future product development• Provides short term and long term strategic direction• Prepares and/or provides guidance in the preparation and delivery of training and sales tools• Acts as the subject matter expert, point of contact, and lead of special projects pertaining to specified products and services• Understands industry research around customer behaviors, new product offerings, new providers, and regulatory impacts while keeping business unit and product development heads informed• Manages vendor relationships including responding and sending requests, managing risks, and ensuring compliance adherence• Leads risk management efforts throughout the life cycle of each product, ensuring proper risk controls and monitoring, and compliance with regulatory risk and operational risk• Develops products and enhances services to remain competitive in the marketplace while ensuring adherence to all of Regions’ compliance and regulatory standard• Collaborates with sales teams to identify and implement sales tactics as well as partner with cross-functional teams to execute strategies• Acts as a lead and mentor of the department• Creates and delivers presentations to senior leadership

Skills

• Internet Banking
• Call Centers
• Digital Business Development
• Product Development
• Product Design
• Financial Institutions
• Program Development
• Deposits
• Banking
• Mobile Banking
• Retail Banking
• Strategic Planning
• Customer Service
• Staff Development
• Agile Methodologies