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K I R K C A L L W O O D, CTP kirkcallwood@gmail.com | 340-244-6062 8170 Crown Bay Marina #487, St. Thomas, VI 00802 P R O F I L E Value-driven professional with a record of success spanning finance, business, and government. Known for building alliances and teams of highly skilled leaders that support and achieve aggressive corporate objectives. Business/technology transformation catalyst. Chair of finance, healthcare, business, and charitable boards. MBA. Lean Six Sigma. Wharton trained. B O A R D O F D I R E C T O R E X P E R I E N C E ST. CLAIR INSTITUTE (Behavioral Health) – St. Thomas, VI Board Treasurer | 2/2025 – Present  Oversee financial strategy and governance for SCI, ensuring fiscal responsibility and operational efficiency.  Develop and manage financial policies that support the organization’s long-term sustainability.  Ensure compliance with regulatory and donor requirements while providing strategic financial guidance to the board.  Work closely with leadership to optimize budget allocation and financial planning. MY BROTHER’S WORKSHOP (Vocational Training) – United States Virgin Islands Executive Board & Treasurer | 4/2017 – Present  Provide strategic financial oversight and governance for the organization’s programs focused on workforce development, education, and youth rehabilitation.  Lead financial planning, budgeting, and compliance to ensure sustainability and alignment with grant funding requirements.  Provide oversight for the Capital Project, ensuring successful facility expansion and alignment with the organization's mission.  Oversee audit and financial reporting processes, ensuring transparency and regulatory adherence. P R O F E S S I O N A L E X P E R I E N C E ALPHA ALPHA MANAGEMENT, LLC - St. Thomas, VI Principal & Financial Consultant | 5/2024 – Present  Provide strategic financial consulting to businesses, government agencies, and nonprofit organizations.  Advise on treasury management, investment strategy, risk assessment, and financial operations.  Support organizations with budgeting, financial reporting, debt issuance, and compliance.  Deliver expertise in renewable energy finance, government advisory, and private equity consulting. MERCHANTS COMMERCIAL BANK - St. Thomas, VI Chief Operations Officer (COO) & Vice President (VP) | 12/2020 – 4/2024 Partner with President and CEO on strategy and provide operations leadership – IT (Fintech, Cyber Security), HR, Loan Administration, and Facilities. Oversee AVPs and a multi-site team of 23. Drive client and shareholder value by enhancing employee engagement, processes, and technologies to drive efficiency and profit. Board-appointed Information Security Officer (physical/cyber security, fraud, risk). Chair IT and Operations Steering Committees.  Led regulatory assessments and audits that significantly mitigated risk for our clients.  Drove high-impact employee engagement initiatives – compensation calibration, performance review restructure, stock option plan, “CEO Chats” to generate employee ideas, and Candidate Referral Program. o Implemented an organization-wide performance management process. o Grew new hires by 10% while improving quality by engaging staff in identifying the best candidates. o Increased retention during the great resignation of 2022.  Enabled 0% closure during territory-wide COVID resurgence by guiding enterprise transformation to a hybrid t.atettto K I R K C A L L W O O D | 2 environment with rapid implementation of VPN, laptops, and collaboration software.  Achieved an 85% organization-wide Social Engineering adoption rate.  Brought enterprise policy into 100% compliance with federal regulatory requirements (FDIC, etc.).  Jointly led transformation of core banking system – drove successful transformation from legacy technology to Fintech investment, growing revenue and client value while reducing fraud and cost of services – o Rapidly implemented: digital account opening, contactless cards, self-service password resets, mobile remote deposits, online wire transfers, electronic signature capture, email/text / SMS alerts. o Reduced client complaints by 80% during this challenging period.  Led business development strategy to secure approximately $13M in core deposits from a client. UNITED STATES VIRGIN ISLANDS GOVERNMENT - United States Virgin Islands Commissioner of Finance & Executive Director, Public Finance Authority | 01/2019 – 10/2020 Oversaw all operations of territory-wide finance, collections, and capital fundraising (public/private) for public projects and programs. Served as a key member of the Governor’s Cabinet, Financial, and Policy teams. Simultaneously, served as interim chair of enterprises in Healthcare, Hospitality, and Oil & Gas. Named Governor’s Authorized Representative for administering recovery funding provided by Federal Agencies.  Within 12 months, secured successful $12M Tax Increment Financing bond refinancing.  Secured Moody’s upgrade of key $25M Virgin Islands Bonds from A3 to A1.  Worked with Senate/Legislature on drafting and successfully passing multiple favorable Bills and Acts – enabled use of credit card system for government purchases, secured funding for Hotel Development, etc.  On Matching Fund Securitization team that won hotly contested senate approval to refund $1B in bonds for Government Employees Retirement System (GERS) Pension.  Reduced capital asset audit findings from 77 to 17.  Led successful implementation of Limetree Bay Oil Refinery & Fuel Storage Terminal Compliance Management.  Named President & CEO of Kings Alley Hotel – restructured hotel for high-profit acquisition completed in 2022.  Served on the Virgin Islands Banking Board, providing financial institution oversight. INTERNATIONAL CAPITAL & MANAGEMENT COMPANY - St. Thomas, VI | 12/2012 – 11/2018 Co-CEO & Chief Internal Operating Officer (COO) | 3/2017 – 11/2018 Promoted to partner with the Board of Directors of this private equity fund and management services firm serving Cancer Treatment Centers of America® (acquired by City of Hope) and other US clients. Worked with the Board to set strategic direction. Communicated strategic focus to full organization, linking fiscal responsibility to staff performance. Oversaw a diverse portfolio of service lines and internal functions: Finance & Analytics (external facing), Accounting, Property Management, and Charitable Giving. Managed up to 30 stakeholders across business lines, including AVPs and Directors, onsite and remotely.  Developed optimization strategies for clients and stakeholders – recognized for guiding continuous improvement via process optimization and operational streamlining.  Developed optimization plan projected to deliver 20% in YoY operational cost savings.  Executive in charge of Cancer Support function – raised $200K+ for cancer patients.  Directed philanthropic resources to the local community. Led public-private partnership with the University of the Virgin Islands / Entrepreneurship Business Institute program for local high schools.  Led the transformation of Property Management from cost center to profit center – $300K+ in annual revenue. Treasurer & Executive Team Member | 2/2013 – 3/2017 Reporting to the President and CEO, directed corporate treasury strategy, quality, service excellence, and supply chain functions to drive value and quality using data and voice of client. Managed 10-12 across multiple business lines.  Took on and won successful completion of problematic fiscal year budget.  Managed consolidated capital markets, risk management, and cash operations of a $1.1B Private Healthcare Company providing patient care through a network of hospitals across the US. K I R K C A L L W O O D | 3  Maintained strong relationships with clients and various banks.  Led advisement on 5-year Credit Syndicate renewal of $300M and adding $300M 5-year term loan. Director of Treasury | 12/2012 – 2/2013 Reporting to the Treasurer, launched and developed treasury practice for the organization.  Led team that created tracking of corporate-wide KPIs utilizing project management, process mapping, and ADKAR change management methodologies to drive client value.  Oversaw implementation of 1st enterprise value analysis initiative for multi-billion healthcare client. A D D I T I O N A L E X P E R I E N C E INNOVATIVE COMPANIES (VIYA) - United States Virgin Islands Director of Treasury 2/2011 – 12/2012 PREMIERE GLOBAL SERVICES INC. - Atlanta, GA Treasury Manager 7/2008 – 2/2011 INCOMM - Atlanta, GA Treasury Manager 2/2007 – 7/2008 COCA-COLA - Atlanta, GA Treasury Specialist, Capital Markets 10/2005 – 8/2006 Cingular Wireless (AT&T) - Atlanta, GA Sr. Treasury Analyst/Mgr. Financial Analysis & Reporting 11/2001 – 10/2005 First Data Corporation (Fiserv) - Atlanta, GA Treasury Analyst 12/1999 – 11/2001 Wachovia (Wells Fargo) - Atlanta, GA Controls/Specialized Corporate Supervisor (Operations Officer) 1/1998 – 12/1999 E D U C A T I O N THE WHARTON SCHOOL OF BUSINESS Senior Leadership Training KENNESAW STATE UNIVERSITY Master of Business Administration (MBA) NORFOLK STATE UNIVERSITY Bachelor of Science (BS) – Finance Certified Treasury Professional (CTP), Lean Six Sigma Fundamentals, Project Management Fundamentals, Prosci Certified Change Management Practitioner, Moody’s Analytics Credit Masterclass, Disney Approach to Quality Service O F F I C E S H E L D Board of Directors, Past President & Treasurer Rotary Club of St. Thomas II Chair US Virgin Islands Board of Tax Review Vice Chair Territorial Hospital Board Member Virgin Islands Lottery Commission, Banking & Insurance Boards Ambassador Economic Development Authority Board of Directors DeKalb Academy of Technology and the Environment