Tom Cramer Managing Director Tom Cramer is a Managing Director at Protiviti, leading the company's Digital Solutions practice for Financial Services firms. He brings more than 25 years’ experience serving North American and European clients facing business strategy, digital transformation, customer engagement, and product management challenges. Throughout his career, he has been a trusted advisor to many wealth and investment management firms including Goldman Sachs, Morgan Stanley, JPMorgan, Citi, Vanguard, and T.Rowe Price. With a wealth of personal expertise, his teams deliver outsized value for their clients and the businesses they engage.Areas of ExpertiseAgile transformationBusiness model designBusiness unit strategyChange management Customer experience strategy & programsDigital transformationFinancial modelingProduct managementProduct operationsIndustry ExpertiseAsset ManagementCapital MarketsCommercial BankingConsumer BankingInsurance (P&C)Wealth ManagementConsumer RetailEducationLondon Business School (MBA)Virginia Tech (BS)Professional Memberships and CertificationsSAFe Agilist, PO/PM