Paul Vanden Heuvel is Principal Consultant and part of the North American Banking team for Earnix. Overall, Paul has 25 years in banking experience, working in product and pricing management with experience in data analytics across a variety of size organizations and structure. Prior to joining Earnix, Paul was Director of Consumer Deposits and Pricing at BBVA, managing the organizations consumer deposit portfolio, including checking acquisition, deposit pricing, and was responsible for managing the P&L to targeted growth and revenue expectations.  Paul has also held product management and leadership roles as the FVP of consumer deposits at SunTrust Bank, and the Director of Marketing, Consumer Product and Data Analytics for First Bank, $12B community bank based in St Louis. Prior to that he led product and analytic teams at PNC Bank (Pittsburgh), Lakeside Bank (Chicago), and Superior Bank (Chicago).