16. Suzanne Hammett
EVP and Chief Commercial Risk Officer, Capital One Financial
As chief risk officer of Capital One Bank, Suzanne Hammett last year commissioned one of the largest infrastructure investments that Capital One has ever made: a new platform that allows for real-time credit review, ensures regulatory compliance and assists in rapid decision-making. She has increased the bank';s lending and investing in affordable housing, and she has worked with colleagues in HR and lending to build a recruiting and talent-management program that includes a two-day, bi-annual forum, developed by Hammett, for risk-management employees.
"I don't separate my community work from my banking work; I feel that I can make far more difference in the community through Capital One Bank than I ever could alone."
17. Laura Lee "Laurie" Stewart
President and CEO, Sound Community Bank
When Laurie Stewart joined her organization as CEO in 1989, it was a one-branch credit union with $38 million in assets. It converted to a thrift in 2003, and now Sound Community has five branches in western Washington and assets of nearly $330 million. Stewart was one of 14 bankers nationwide appointed to the Federal Deposit Insurance Corp.'s Advisory Board for community banks, and she has testified in both Washingtons—D.C. and state—on banking issues. She steered Sound through the crisis with a surgical approach to cost cutting, and kept up morale with innovative ideas, like a program that pays up to 5 percent of a cost saving or revenue enhancement to the employee whose suggestion resulted in the benefit.
"Every Friday, I email our employees and our board members to update them on those things we have done during the week to make dreams come true—this might be a single loan transaction or a special client service."
18. Elyse Weiner
Global Head of Liquidity and Investments, Citigroup Global Transaction Services
Elyse Weiner leads a business that operates in more than 100 countries and accounts for nearly 45 percent of Citi’s firm-wide deposit base. She has been expanding the division's client roster, while helping older clients transition from crisis mode to recovery mode, and she reports that price and deposit product structures "have already started to shift" in response to new regulations and economic trends. She's at the vanguard of defining the new normal for multinational corporate clients.
"New opportunities present themselves, and the rest will follow. The 'rest' can be interpreted in many ways—personal satisfaction, industry recognition, higher compensation, or whatever in your mind makes it all worthwhile."
19. Heather Cox
EVP of U.S. Card Operations, Capital One Financial
In an era defined by belt-tightening, Heather Cox staked the future of Capital One's U.S. card business on investments in customer service. She developed and delivered on a comprehensive strategy including new online service capabilities, and special programs for the highest-spending card customers or customers with multiple Capital One card and banking products. Cost savings from elsewhere around her division have helped to fund the initiatives, which are credited with lifting customer satisfaction scores. Last year, Cox was appointed by Virginia Gov. Bob McDonnell to a new state commission charged with creating efficiencies and improving transparency in state government.
"Our community [volunteer] initiative has inspired my team to open our thinking to the possibility of what we can achieve when we deliver as one operations team—a concept that is transferable to how we deliver for our customers and our business."
20. Lynn Heitman
SVP of Retail Payment Solutions, U.S. Bank
As the head of the branded credit and debit card business at U.S. Bank, Lynn Heitman is responsible for more than half of the annual revenue generated by the company's retail payments division. Her group has rolled out some notable innovations in the industry, including the U.S. Bank ScoreBoard, an online tool to help small-business customers monitor their own card spending and compare card sales data to industry trends. More tools like these are on deck to debut over the next six months.