1. ELLIOTT R. LOWEN 4023 Walnut Blvd.
lowen@Lowenhome.com Walnut Creek, CA 94596
Mobile: 415-990-2400
Summary: Experienced technology manager and product executive with over 30 years’ experience in financial
services. Strong strategic thinker and change-agent, combining quantitative and analytical skills with
creativity, leadership and a passion for building winning products and winning teams.
Experience: Advisor Software, Inc. Walnut Creek, CA (www.advisorsoftware.com) 2011-present
 Award-winning financial services and analysis Software Company
Senior Manager – Product Manager
Drove vision, strategy, and development of ASI’s wealth management platform and products. Guided each
solution through product life cycle utilizing iterative, customer-driven approach. Managed team of product
managers, designers, and marketers to research, define, design, develop, and launch new product offerings
and updates. Worked closely with sales and marketing to create marketing strategies/plans, communicate
product value proposition, ensure proper product positioning, set pricing, drive market awareness, and grow
revenues. Forged key strategic partnerships and business alliances to expand product integration capabilities
and distribution channels.
• Managed and implemented the adoption of ASI’s goal based proposal solution. Transformed ASI
to SaaS business model - Created flexible advice platform that supports a growing suite of advice
solutions producing over $1M in annual reoccurring revenue with a growth rate of 20% per
annum.
• Planned, built, and launched goal-based financial planning solution, goalgamiPro, in 2012 that has
achieved sales of over $1M across over 50 advisory firms and 600 users.
• Devised and executed API strategy to drive incremental revenue through customer and 3rd party
apps.
• Drove strategic initiative to become Salesforce ISV partner and deliver first financial planning app
for advisors on the Force.com platform.
• Researched new positioning, developed brand strategy, and launched integrated, multi-channel
marketing campaign, resulting in 17% growth in new brokerage accounts year-over-year.
• Analyzed drivers of customer lifetime value, leading to superior segmentation and targeting
frameworks, better product development prioritization, and customer experience improvements.
• Implemented advanced campaign tracking and KPI reporting across digital acquisition channels,
allowing for superior media planning informed by predictive models of customer profitability.
• Analyzed optimal pricing structures across multiple account/product types. Identified alternative
pricing structure that led to 40% increase in new account growth vs. control cell. Designed follow-
on analysis to understand optimal price structure from perspective of maximizing long-term
profitability.
• Implemented a series of “firsts” at ASI, including goal based investing, behavioral and contextual
targeting, viral and Social Media marketing, Affiliate Marketing, customer lifecycle marketing,
SEO and ongoing conversion rate optimization.
Wells Fargo & Company, NA San Francisco, CA (www.wellsfargo.com) 2005-2011
 200 billion financial services company providing retail, business, commercial, brokerage, and banking solutions to individual and
institutions
Director – CIO- Shared Services (2008-2010)
• Led a team of 1,000+ professionals (manager of managers) to drive the banking technology
infrastructure. Oversaw segment research and analytics, strategy & planning, product roadmap
development, and customer experience.
• Led the strategic planning process for the digital banking. Developed multi-year business plans
spanning technology, marketing, and customer experience investments. Delivered a business
roadmap hailed by senior executives as a “best practice”.
• Developed strategic plan to launch the business banking internet solution. Key activities included
identifying consumer insights, developing overall technologystrategy, developing product
positioning, and coordinating internal and external technology plans, communications, and rollout
strategy.
• Developed a multi-channel direct banking program that drove over 200,000 new-to-segment
businesses and $240 million in revenue in its first full year after launch. Successfully coordinated
efforts across the branch network, service centers, and telesales to drive results.

2. ELLIOTT R. LOWEN 4023 Walnut Blvd.
lowen@Lowenhome.com Walnut Creek, CA 94596
Mobile: 415-990-2400
• Overhauled the on-boarding experience for new clients, resulting in increased call center
efficiency, expanded service penetration, and $175,000 in annual marketing communications cost
reductions.
Wells Fargo & Company, NA San Francisco, CA (www.wellsfargo.com) 1997-2005
 200 billion financial services company providing retail, business, commercial, brokerage, and banking solutions to individual and
institutions
 Innovative $1.3 billion financial services company and online brokerage
EVP & Manager – Strategic Investments
Manage a team of four funding and managing strategic Investment as part of the Treasury Group.
Managed 30 Wells Fargo led Investment
Board seat on 10 companies, 2 of which IPO’s, and 6 were acquired.
Managed and coordinated with Norwest Ventures inacquisition initiatives. Provided ongoing
analysis, reporting and optimization of online ad campaigns.
Managed multi-cell acquisition test plans for strategic investments across all banking groups, to
optimize conversion rates and marketing ROI.
Wells Fargo & Company, NA San Francisco, CA (www.wellsfargo.com) 1990-1997
 200 billion financial services company providing retail, business, commercial, brokerage, and banking solutions to individual and
institutions
COO – Business Banking Direct
Led the marketing operations of a $150 million brand portfolio in a hyper-competitive consumer-packaged-
goods category. Managed brand budgets in excess of $16 million. Oversaw multiple agencies, direct
reports, projects & teams to deliver consistently superior results.
Transformed an undifferentiated, declining business into a winning brand, recording a 14.5% increase in
dollar volume in the first six months post re-launch. Key turnaround accomplishments included
extensive consumer research, re-positioning, and creating new brand-identity. Developed new creative
strategies & consumer initiatives including developing all-new packaging, advertising, promotions, and
website.
Developed sales volume & spending projections across a complex portfolio of over 100 SKUs.
Developed marketing strategies, tactics and plans to meet planned volume & profit objectives.
Overhauled promotions emphasizing targeting, ROI measurement & optimization. Implemented
industry-first database marketing programs to derive unprecedented consumer insights & drive significant
volume.
Conducted an extensive market-by-market pricing analysis. Implemented pricing changes, rationalized
underperforming SKUs, and developed an allocation plan resulting in significant contribution margin
expansion and enhancing overall brand profitability.
Initiated hedonic scaling research and led a cross-functional team using quantitative descriptive analysis
data to drive product improvements and increase purchase-interest among consumers.
Led development of a major cross-enterprise marketing promotion process-improvement initiative.
Results included reduced POS inventories & waste; improved budget management; and increased
promotional flexibility & effectiveness.
Developed & implemented a brand-expense resource-allocation model, optimizing global brand spend.
Led the marketing planning process, including development of annual- and five-year brand plans.
Wells Fargo & Company, NA San Francisco, CA (www.wellsfargo.com) 1980-1990
 200 billion financial services company providing retail, business, commercial, brokerage, and banking solutions to individual and
institutions
VP – Strategic Planning
• Created a capital planning process for technology
• Strategic planning process of Wells Fargo Line Groups
• Direct Management of Wells Fargo Investment Advisor
• Sold portfolio and businesses
.Accenture - Manager
Environment Protection Agency – Regional Economist
DataPoint Coporation – Developer – Western Development Center

3. ELLIOTT R. LOWEN 4023 Walnut Blvd.
lowen@Lowenhome.com Walnut Creek, CA 94596
Mobile: 415-990-2400
Education: University of California, Berkeley, CA 1973-1975
Master of Business Administration, Venture Capital Program May 2000
University of California, Berkeley, CA 1968-1972
Bachelor of Arts, June 1992
Park Leadership Fellow: full merit scholarship in recognition of academic excellence, professional
achievement, & demonstrated leadership.