John Charles Bell
Cashiers
Summary
Experienced senior executive with a strong background in business strategy and operational improvements. Expertise in business development and strategic planning, driving consistent growth and profitability. Demonstrated success in communication and organizational transformation, achieving financial and operational objectives. Over 30 years of experience in commercial banking, leading high-growth international teams.
Overview
2026
2026
years of professional experience
Work History
Chief Executive Officer
Chip Mong Commercial bank
01.2021 - 03.2025
- Re-engineered the bank strategy to focus on Premium Cambodian customers through Chip Mong Group's large eco-system
- Re-built and strengthened the key risk management and internal control functions.
- Drove balance sheet growth by 40%CAGR in both customer assets and liabilities.
- Turned around negative net profit in 2020 to positive net profit in 2023 (30m USD) 141% CAGR.
- Remodeled the digital banking UI/UX and market connectivity thereby increasing overall transactions 12-fold in 4 years.
- Expedited the launch of Visa and MasterCard businesses through implementation on cost efficient cloud technology.
- Directed the implementation of new business initiatives from concept through completion.
- Reviewed employee performance evaluations in order to make personnel decisions.
- Oversaw all aspects of financial management, including budgeting and forecasting.
- Led the recruitment process for executive-level positions within the organization.
- Ensured compliance with government regulations regarding safety standards and labor laws.
Chief Executive Officer
Khan Bank
Ulaanbaatar
08.2015 - 01.2021
- Completely turned around a legacy, network bank to become the top universal bank in Mongolia in terms of total assets, profitability, and customer experience.
- Full, comprehensive responsibility for all functions of the bank with a reporting line directly to the Board of Directors.
- Built and implemented a strong customer centric organization. Oversaw the steady increase in customer satisfaction measured by NPS and independent surveys.
- Implemented programs to improve overall employee engagement. Engagement scores increased from low 60s to 80 from 2015 to 2021.
- Delivered over 80% profit growth from 2015 to 2021 making the bank the largest and profitable bank.
- Developed strategic plans and objectives to ensure organizational growth and profitability.
- Collaborated with marketing team to launch promotional campaigns that increased brand awareness.
- Oversaw all aspects of financial management, including budgeting and forecasting.
- Directed the implementation of new business initiatives from concept through completion.
- Ensured compliance with government regulations regarding safety standards and labor laws.
- Established and oversaw strategic business actions and streamlined operations.
- Drove company vision with collaborative employee engagement techniques and strategic leadership.
- Oversaw financial planning, including budgeting, forecasting, and investment strategies.
- Drove innovation and technology adoption to enhance products and services.
- Fostered a culture of excellence, accountability, and continuous improvement.
Shareholder
Purple Financial Services
Bucharest
01.2014 - 06.2015
- Strategic business plan development;
- Design business operating model;
- Raising capital; Investor management;
- Recruitment and selection of key management positions;
- Engage strategic partners;
- Design and implement 100-day launch plan.
Head of Transformation Management
Royal Bank of Scotland, RBS
Bucharest
01.2012 - 01.2014
- Designed and implemented overall bank transformation, restructuring, and divestment plan.
- Restructured branch footprint to align with overall divestment timeline.
- Lead the Romanian team in the successful sale of the retail banking business.
Wealth Management and Consumer Sales Head
Citibank Global Consumer Bank
Prague
06.2002 - 01.2004
- Launched the Wealth Management Program in May 2003;
- Built business relationships with important 3rd party investment fund providers to complement the product portfolio;
- Launched Treasury Products for Wealth Management clients.
- Designed and implemented investment and sales training programs for Wealth Managers;
- Designed and implemented marketing programs in order to build program awareness and build customer acquisition momentum;
- Re-designed branch Wealth Management Centers.
Wealth Management Business Head
Citibank Global Consumer Bank
Warsaw
04.1997 - 01.2002
- Company Overview: Poland
- Extended the Wealth Management Branch Network from 4 to 25 locations, over a 3-year period from 2000 to 2003;
- Managed over 250 Wealth Management Branch employees;
- Managed the successful integration of Bank Handlowy Wealth Management customers into the CiMbank portfolio (2002);
- Supervised the successful integration of Bank Handlowy Wealth Management employees into CiMbank branch network operations (2002);
- Introduced 3rd party asset management and innovative treasury products to the sales process (2000);
- Designed and implemented Wealth Management performance-based compensation and top producer recognition programs (2000);
- Designed and launched CiMbank Branch Banking Business and CiMbank Phone Banking Services (1998).
Branch Operations Manager
Citibank
Chicago
06.1994 - 06.1997
- Company Overview: Chicago, Illinois, United States
- Responsible for customer service and banking operations.
Central European Development Program
United States Peace Corps
Warsaw
05.1991 - 04.1994
- Company Overview: Warsaw, Poland
- Small Business Development programs in Southeastern Poland;
- Developed and implemented Language Education Programs. Taught over 500 students at secondary school and university levels;
- Facilitated cross-cultural exchange programs.
- Warsaw, Poland
Country Head of Retail Banking
Royal Bank of Scotland, RBS
Bucharest
- Direct responsibility for revenue, expenses, and credit performance.
- Responsible for the performance and productivity of more than 1000 sales and service employees.
- Responsible for product and marketing programs for the entire retail bank.
- Responsible for setting and driving the technology innovation agenda to achieve greater customer satisfaction and operational cost efficiency.
- Responsible for forging and maintaining strategic partnerships to drive business growth and lower transaction costs. (Vodafone co-brand credit card and Euronet shared ATM network.)
- Increased retail bank revenues by 400% while expenses grew by 75% from 2006 to 2012.
- Proactively reduced 2009 controllable expenses by 30% while revenues grew by 40%.
- Balanced credit quality and business growth through strong policy revisions and collection processes.
Deputy Country Head of Retail Banking
Royal Bank of Scotland, RBS
Bucharest
- Created and managed budgets, monitored expenses, and identified cost-saving opportunities.
- Cultivated a culture of excellence by providing feedback and coaching team members.
- Oversaw the hiring process for new employees; provided on-the-job training for staff members.
- Conducted daily store visits to monitor product presentation, customer service standards, and compliance with company policies.
- Ensured compliance with all applicable laws, regulations, policies, procedures, and safety guidelines.
- Resolved customer complaints in a timely manner while maintaining high customer satisfaction ratings.
- Collaborated with senior management to develop promotional campaigns and marketing plans.
- Implemented systems to improve operational efficiency within stores.
- Identified opportunities for increased revenue through improved processes or additional services and products.
- Communicated regularly with store managers regarding business objectives, initiatives, promotions.
- Provided leadership, insight and mentoring to newly hired employees to supply knowledge of various company programs.
- Implemented successful business strategies to increase revenue and target new markets.
- Improved productivity initiatives, managing budgets and accounts, coordinating itinerary and scheduling appointments.
Education
Loyola University
Baltimore, Maryland, United States01.1991
The George Washington University
Washington, D.C.Skills
- Strategic planning and financial management
- Digital banking and customer-focused process management
- Organizational transformation and operational efficiency
- Profit growth and performance optimization
- Team leadership and engagement
- Regulatory compliance and stakeholder management
- Strategic partnerships and market strategies
Personal Information
Timeline
Chief Executive Officer
Chip Mong Commercial bank
01.2021 - 03.2025
Chief Executive Officer
Khan Bank
08.2015 - 01.2021
Shareholder
Purple Financial Services
01.2014 - 06.2015
Head of Transformation Management
Royal Bank of Scotland, RBS
01.2012 - 01.2014
Wealth Management and Consumer Sales Head
Citibank Global Consumer Bank
06.2002 - 01.2004
Wealth Management Business Head
Citibank Global Consumer Bank
04.1997 - 01.2002
Branch Operations Manager
Citibank
06.1994 - 06.1997
Central European Development Program
United States Peace Corps
05.1991 - 04.1994
Country Head of Retail Banking
Royal Bank of Scotland, RBS
Deputy Country Head of Retail Banking
Royal Bank of Scotland, RBS
Loyola University
The George Washington University
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