Mohamed Zarrugh, Finance Expert in Scottsdale, AZ, United States
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Mohamed Zarrugh

Verified Expert  in Finance

Management Consulting Expert

Location
Scottsdale, AZ, United States
Toptal Member Since
May 12, 2022

Mohamed has held executive internal consulting roles for JPMorgan Chase and Wells Fargo, transforming operations with annualized expense reductions of up to $180 million. He is a finance expert who perfectly blends the academic knowledge of an Industrial Engineering degree and MBA with deep business acumen and technical know-how. Specializing in strategic planning, performance management, and process improvement initiatives, Mohamed is willing to leverage his experience with other clients.

Knowledge ManagementGrowth StrategyManagement ConsultingBusiness TransformationFinancial ForecastingBusiness DevelopmentMarket Research AnalystPerformance ImprovementCompliancePitch Deck ConsultantCommercial BankingGrowth Strategy ConsultantsPost-merger IntegrationPMIBusiness Plan ConsultingBusiness ImprovementTrade Finance

Career Highlights

Strategy Consulting Leader
Wells Fargo
Internal Consultant Executive
JPMorgan Chase
Contract Management Consultant
State of Oregon

Case Studies

Expertise

Competition ResearchInvestment BankingManagement ConsultingMarket ResearchM&A StrategyOperations ManagementPitch Deck ConsultantStrategic Planning

Work Experience

Managing Director

2023 - PRESENT
Zarrugh Consultancy LLC
  • Supported broad transformational changes for a medical device company, revamping the value proposition within their current target market for greater value while framing a strategic initiative to enter new markets.
  • Led a post-M&A integration effort for a major food distributor with a new strategic buyer, outlining strategies in the operational future state model with other change management initiatives.
  • Streamed billing operations for a prominent dental office to improve account receivables while tracking and managing activities across personnel with improved metrics and reporting.
Focus areas: Business Management, Strategic Planning, Performance Management, Financial Modeling, Process Improvement, Pitch Deck Consultant, Business & Digital Transformation, Customer Experience Strategy, Data Analytics, Consulting, Operational Efficiency Improvement, Team Mentoring, Team Effectiveness, Team Management, Motivation, Organizational Strategy & Design, Growth, Business Proposals, Communication, Corporate Finance, Retail Strategy, Investor Presentations, Financial Products, Competitor Analysis & Profiling, Market Fit, Inventory Management, Innovation, Innovation Strategy, Early-stage Funding, Competition Research, Market Research & Analysis, Market Entry, Market Opportunity Analysis, Market Research, Cost Reduction & Optimization, Restaurant Operations, Control & Cost Analysis, Food & Beverage, Financial Analysis, ROI, Fundraising Consultant, Capital Raising, Storytelling, Financing, Media, Revenue Modeling, Business Models, Monetization, Monetization Models

Principal Consultant

2022 - PRESENT
Key Bridge Capital
  • Acted as a principal consultant for Key Bridge Capital and led the M&A activity representing regional players for prospective buyers across several industries including banking services, SaaS (software), and retail consumer goods industry.
  • Contributed to the strategic planning and execution for the sale of companies in excess of $50 million in revenue, involving market research, valuation assessment, and pitch deck creation.
  • Approached work uniquely—starting with understanding the client, its value proportion, strategic vision, operations, and overall intent in future sales activities with the right investor/buyer for optimal synergy of value.
Focus areas: Mergers & Acquisitions (M&A), Investment Banking, M&A Strategy, Cross-border M&A, Fundraising, United States, Growth Strategy Consultants, eCommerce, Chief Operations Officer (COO), Business Operations, COO, Workshop Facilitation, Workshops, Presentations, Market Research & Analysis, Opportunity Identification, Go-to-market Strategy, Data Analytics, Key Performance Indicators (KPIs), SWOT Analysis, Market Research Analyst, Market Research, Total Addressable Market (TAM), Lean Six Sigma, Competitive Analysis, Strategic Planning & Execution, Organization Assessment, Pricing, Pricing Strategy, Pricing Models, Competition Research, Business Services, Artificial Intelligence (AI), Business Transformation, Cost-benefit Analysis, Financial Forecasting, Organizational Design, Go-to-market Plans, Small Business, Growth, Early-stage Startups, B2B Partnerships, Sales Growth, Food & Beverage, Food, Direct to Consumer (D2C), Valuation, SaaS, Competitive Strategy, Retail & Wholesale, Sales Effectiveness, Pitch Deck Consultant, Angel Investing, Healthcare IT, Microsoft Excel, Fundraising Strategy, Affiliate Marketing, Internet Marketing, Trade Finance, Healthcare, Venture Capital, B2B, Software as a Service (SaaS), Operational Excellence, Business Process Management (BPM), Agile Coaching, Process Optimization, Investments & Risk Management, Family Office COO, Advisory, Business Technology, Technology, Compliance, Operations, High Net Worth Individuals (HNWI), Industrial & Manufacturing, Digital Marketing, Post-merger Integration, PMI, Stakeholder Interviews, Consumer Packaged Goods (CPG), PowerPoint Design, Trading, Stock Trading, Financial Data, Digital Health, Product Design, New Products, Logistics, Supply Chain, Supply Chain Optimization, Market Entry, Market Opportunity Analysis, Roadmaps, TOM, Monetization, SaaS Product Management, Trend Analysis, Luxury Industry, NAV, Investment Funds, Commercial Real Estate Finance (CREF), RiskMetrics, Waterfall Methodology, Real Estate Development, Business Proposals, CPG, Equity Valuation, Corporate Finance Consultant, Logistics & Supply Chain, Business Process Optimization, Early-stage Venture Capital, Seed Fundraising, Startup Funding, Business Plan Consulting, Real Estate, Investment Memoranda, Thought Leadership, Content Marketing, Cost Reduction & Optimization, Control & Cost Analysis, Financial Analysis, ROI, FMCG, Fundraising Consultant, Capital Raising, Storytelling, Financing, Media, Monetization Models

Advisory and Adjunct Faculty Member

2015 - PRESENT
Benedictine University
  • Advised the university on undergraduate/graduate program expansion and development to reach broader and more relevant curriculum design in the business management, strategic planning, operations management, and business analytics courses.
  • Helped to develop and administer the Operation Research and Linear Programming courses, which outline the process of creating models to apply in various decision-making applications.
  • Changed and enhanced the Operations Management course offering, which entails many process improvement approaches and case examples with best practices.
Focus areas: Strategic Planning & Execution, Operations Management, Analytics, Financial Data Analytics, Pricing Models, Subscriptions, Organization Assessment

Strategy Consulting Leader

2017 - 2022
Wells Fargo
  • Enhanced the commercial banking and consumer service treatment strategies to reduce contact center expenses, increasing first contact resolution by 5%.
  • Increased digital adoption by 10% with targeted analytical approaches and conversion enhancements.
  • Improved the servicing strategy for consumers with high-net-worth (HNW) and private bank relationships, enhancing the net promotor score by 5%.
Focus areas: Strategy Consulting, Lean Analytics, Strategic Initiatives, Contact Centers, Business Performance Management (BPM), Performance Management, Performance Analysis, Process Improvement, Change Management, Channel Management, Teradata, Microsoft SQL Server, Knowledge Management, Data Strategy, Process Flows, Net Promoter Score (NPS), Customer Satisfaction, Digital Strategy, Customer Segmentation, Customer Analysis, Digital Marketing Strategy, Growth Marketing, Digital Experience Design, Growth Strategy, Customer Analytics, Data Analytics, Customer Insights, Data Analysis, Data-driven Marketing, Data Science, Market Sizing, Market Research, Market Segmentation, Financial Planning & Analysis (FP&A), Agile, Documentation, Finance, Customer Experience, Digital Transformation, Customer Success, Fintech, Transformational Leadership, Business Processes, Business Process Modeling, Business Process Analysis, Organizational Change Management (OCM), Mobile User Acquisition, Mobile, Business to Consumer (B2C), B2C, Marketing, Marketing Leadership, Chief Marketing Officer (CMO), Brand Positioning, Growth Hacking, Digital Branding, Banking & Finance, Business Cases, Analysis, Business Planning, Large-scale Projects, Marketplaces, Tableau, Use Case Analysis, Go-to-market Strategy, Key Performance Indicators (KPIs), Agile Product Management, Pricing Models, Profitability Analysis, Market Research Analyst, Business Process Improvement (BPI), Consulting, Compensation, Apps, Commercial Banking, Product Benchmarking, Incentive Simulations, Business Process Flow (BPF), Financial Services, Performance Improvement, Process Optimization, Investments & Risk Management, Family Office COO, Advisory, Business Technology, Technology, COO, Compliance, Operations, High Net Worth Individuals (HNWI), Digital Marketing, Stakeholder Interviews, PowerPoint Design, HR / Workforce Transformation, HR Transformation, Human Resources (HR), Compensation Plans, Sales Compensation Structuring, Commercial Lending

Internal Consultant Executive

2006 - 2017
JPMorgan Chase
  • Reduced full-service channel customers towards a self-serve process, representing annualized savings of $12 million.
  • Proposed process-improvement recommendations to claims operations with annualized savings of $50 million.
  • Transformed fee servicing towards differentiated treatment with annualized savings of $180 million.
  • Reduced customer attrition in credit card businesses with annualized savings of $1 million.
Focus areas: Strategy, Performance Reports, Channel Management, Digital Channels, Contact Centers, Balance Scorecards, Business Performance Management (BPM), Performance Management, Strategic Planning, Teradata, Microsoft SQL Server, Knowledge Management, Data Strategy, Process Flows, Forecasting, Revenue & Expense Projections, Product Strategy, Business Strategy, Sales Compensation, Omnichannel Marketing, Sales Strategy, Strategic Partnerships, Marketing Strategy, Business Development, Pricing Consulting, Financial Services, Global Banking, Business Cases, Analysis, Business Planning, Large-scale Projects, Marketplaces, Tableau, Product Development, Data Analytics, Key Performance Indicators (KPIs), Surveys, Sales, Compensation Programs, Performance Improvement, Benchmarking, Incentive Plan Design, Process Optimization, Investments & Risk Management, Business Technology, Technology, Compliance, Operations, Digital Marketing, Post-merger Integration, PMI, Stakeholder Interviews, PowerPoint Design

Contract Management Consultant

2004 - 2006
State of Oregon
  • Redesigned collection processes based on willingness and ability to pay with improved compliance.
  • Enhanced servicing strategies through outbound targeted communication.
  • Decreased receivables by over 30% in two years, from $3.8 billion to $2.6 billion.
Focus areas: Digital Channels, Contact Centers, Performance Analysis, Performance Management, Performance Reports, Payment Collection, Teradata, Microsoft SQL Server, Knowledge Management, Data Strategy, Process Flows, Business Audits, Design, Management Consulting, Operating Models, Enterprise Software, Analysis, Business Planning, Large-scale Projects, Marketplaces
Image of Better Digital Banking Through Data Analytics publication
Publication

Better Digital Banking Through Data Analytics

https://www.toptal.com/finance/data-analysis-consultants/data-analytics-in-banking
2002 - 2003

Master’s Degree in Business Administration (MBA)

Oregon State University - Corvallis, Oregon, USA

1991 - 1994

Bachelor's Degree in Industrial Engineering

Oregon State University - Corvallis, Oregon, USA

1988 - 1991

Bachelor's Degree in Mathematics

University of Oregon - Eugene, Oregon, USA

JUNE 2003 - PRESENT

Leadership Development Forums

Oregon State University

JUNE 1995 - PRESENT

Professional Member – Institute of Industrial & Systems Engineers

Institute of Industrial & Systems Engineers (IISE)

JUNE 1994 - PRESENT

Industrial Engineering Career Forums

Oregon State University

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