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Rick Jaros

Principal, Customer Channels & Operations Management

Rick Jaros is a Principal with Spinnaker Consulting Group. He brings with him deep experience in digital integration, business strategy, operational improvement, and change management. Rick’s focus areas include digital transformation across financial institutions, end to end process assessments and improvements, and optimizing critical operations.

In his 20 years as an executive with some of the largest banks in the US, including Capital One, HSBC and TD Bank, Rick gained deep experience in the credit card business, leading the efforts to develop, launch and optimize new card products for both Capital One and HSBC. During his time with TD Bank, he led a variety of teams driving fundamental change and significantly expanded digital sales and servicing performance. Prior to entering financial services, Rick was a Nuclear Qualified Officer in the US Navy assigned to the USS Bergall. He held several key roles while on board, including the Damage Control Assistant, where he was responsible for implementing a new process for maintaining the quality control procedures for all nuclear and hull integrity systems.

Since joining Spinnaker Rick has focused on continuing efforts to assess, fortify and optimize core business processes at top 50 banks. This includes assisting in resolving gaps in current procedures to address regulatory findings. He has helped to leverage Spinnaker’s core strengths to expand beyond banking. This includes assisting FinTech companies with strengthening their core business operations and supporting one of the largest tech companies with a major system implementation.

Rick has a Bachelor of Engineering degree from The State University of New York Maritime College and a Master of Business Administration from the University of Texas at Austin. He recently moved to Richmond with his wife. Their daughter is a recent graduate of The University of Pittsburgh where their son is a junior. For relaxation, Rick makes detailed wooden models of 1800’s sailing ships.

Rick has published several blogs and a white paper that are available on Spinnaker’s website.  He was awarded multiple business method patents: 7302719, 7131583, 6877656