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Patrick Terry

CIO | CDO | Chief Data & AI Officer (CDAO) | CTO

About Me

A transformation-driven technology executive and CIO-ready Chief Data & AI Officer (CDAO) with 25+ years of experience leading enterprise modernization, cloud strategy, and AI innovation across global financial institutions. I bridge the worlds of IT, data, and business strategy, helping organizations convert technology investments into measurable enterprise value. I have delivered over $148M in combined revenue growth, cost savings, and efficiency gains by leading global teams, modernizing infrastructure, embedding Responsible AI, and building high-performance data cultures. Reporting directly to CIOs and executive committees, I have operated at full CIO & CTO scope, shaping IT strategy and digital transformation, creating and overseeing governance, and directing $120M+ in technology portfolios. As a trusted C-suite advisor and board contributor, I combine strategic clarity with pragmatic execution. My leadership philosophy, “Master the Compass,” centers on adapting communication and strategy to every direction of leadership: translating board vision into business outcomes, empowering teams, and driving technology and data-led growth. I have an ever-curious nature and passion for mentoring next-generation leaders, simplifying complexity, and accelerating sustainable change that drives innovation and trust. Whether building AI platforms, migrating to modern cloud ecosystems, or creating data-driven operating models, I focus on outcomes that align investment with business value.

Jurisdiction

United States

Notable Employer

  • SVP, Global Chief Data Officer at PRA Group, Inc. (NASDAQ: PRAA) Global financial services company operating in 18 countries
  • SVP, Chief Data Officer at BOK Financial (NASDAQ: BOKF) $45B Regional Bank
  • SVP, Enterprise Data Officer at Heartland Financial USA (NASDAQ: HTLF) $18B Bank Holding Company
  • VP, Head of Enterprise Data at First Horizon Bank (NYSE: FHN) $85B Regional Bank
  • VP, IT and D&A Leadership, Program Management at Wells Fargo (NYSE: WFC) Fortune 50 Bank

Experience

Seniority LevelExecutive
Years of Experience20+ years
Current StatusActive
SVP, Global Chief Data Officer NotablePRA Group, Inc. (NASDAQ: PRAA) Global financial services company operating in 18 countries
2024 - 2025

• Led 75-person global IT organization and infrastructure operations across 18 countries as the first CDO reporting to the Global CIO, managing a $20M+ technology portfolio, driving data, AI, cloud transformation, and team building • Exceeded 3x faster time-to-market by creating the first global IT/data strategy and operating model, restructuring technology delivery, and advancing enterprise data literacy by embedding a data-driven culture across business lines • Delivered $15M+ sustainable revenue via Microsoft Fabric lakehouse and AI-powered data products, deploying Genesis platform with GenAI globally and LLM decision automation with repeatable frameworks • Captured $5M+ first-year savings via enterprise AI roadmap, including Responsible AI frameworks, model registry, GitHub Copilot-enabled DevOps automation, and a low-code automation platform • Cut costs and TCO 25% ($3M) by orchestrating infrastructure modernization and data center to cloud migration, while scaling information governance with data catalog, data lineage, and data stewardship • Achieved zero new regulatory findings and resolved inherited findings by embedding GDPR/GLBA/CCPA controls and strengthening cybersecurity, controls, and AI governance • Grew talent through a new mentoring program, targeted hiring, enhanced the talent inventory process, and aligned culture and compensation

SVP, Chief Data OfficerNotableBOK Financial (NASDAQ: BOKF) $45B Regional Bank
2021 - 2023

• Orchestrated a 63-person team as the first CDO dual-reporting to CIO and CRO, shaping enterprise IT/data strategy, architecture governance, and analytics monetization while serving as CIO liaison during leadership transition • Generated $18M+ recurring revenue via institutionalized data monetization framework and AI/MLOps solutions in risk and growth analytics • Improved culture, governance, and delivery within a $15M technology budget, modernizing funding and talent models with no cost increase • Drove growth with Customer 360 and MDM platforms, shifting to customer-centric operations and analytics • Unified IT/data architecture via first enterprise architecture team, establishing sustainable governance that reduced redundancy, accelerated delivery, and aligned technology investments

SVP, Enterprise Data OfficerNotableHeartland Financial USA (NASDAQ: HTLF) $18B Bank Holding Company
2020 - 2021

• Pioneered the first Enterprise Data Officer role and CIO successor-designate, delivering $9M+ in sustainable revenue and 35% higher user adoption through pragmatic modernization, innovation, and operational efficiencies • Led a 33-person cross-functional team and a $12M OpEx/CapEx technology portfolio modernizing IT, infrastructure, and data platforms across 11 community bank brands • Consolidated 11 bank brands, generating $10M+ recurring annual savings through IT/data modernization • Launched enterprise governance, resolving inherited regulatory finding and embedding privacy, AI ethics, and RACI stewardship models • Raised efficiency 30% integrating HRIS, CRM, FP&A, and core systems by architecting and executing the first unified enterprise roadmap • Advanced customer experience, predictive analytics, and regulatory compliance via AI-ready data architectures with integrated customer MDM and API-driven microservices platform • Achieved 100% regulatory compliance, co-leading NIST and data privacy uplift, embedding GDPR/GLBA regulatory standards into a new enterprise governance framework

VP, Head of Enterprise Data NotableFirst Horizon Bank (NYSE: FHN) $85B Regional Bank
2016 - 2020

• Built and managed a 56-person team and $25M technology portfolio as the first enterprise-wide data management function, delivering governance, analytics, and operational resilience frameworks • Generated $19M recurring revenue by deploying Azure-based Cloudera AI/analytics platform, establishing repeatable predictive modeling, customer targeting, and segmentation capabilities across business lines • Directed IT and data integration for $70B Iberiabank merger and $15B Capital Bank acquisition, ensuring Day 1 readiness, operational resilience, and regulatory compliance • Increased customer engagement and realized $16M in sustainable revenue with a Customer Data Products innovation initiative and scalable framework • Boosted delivery productivity and scalability 10x (saving 55%, $5M in resource costs) by restructuring IT/EDM data engineering, DevOps, mentoring leads, and with global teaming

VP, IT and D&A Leadership, Program Management NotableWells Fargo (NYSE: WFC) Fortune 50 Bank
2006 - 2016

• Reported to CIO/CTO leaders; led cross-functional teams of 100+ with $50M+ technology budgets across IT and D&A • Facilitated $1B recurring revenue and 1M+ new accounts annually via $15M digital card acquisition initiative; directed strategy and digital delivery acceleration for Cards, Digital Marketing, and Risk • Ensured operational continuity by leading analytics data bridge during the $812B Wachovia acquisition • Enabled $14M revenue across 60M+ customers by modernizing the near-real-time Customer Account Relationship Environment (CARE) platform for insights and risk assessment • Saved $12M/year and enhanced resilience, leading $8M Network Ops modernization with a 100-person team aligned to BCP/DR • Built the first U.S.-India network integration, strengthening strategic vendor partnerships and global delivery resilience

Management ConsultantVarious Firms
2000 - 2006

Delivered $17M in new business revenue, building and leading teams across business analysis, data architecture, analytics, and IT/data domains in financial services and energy sectors

Education

Doctorate of Strategic LeadershipLiberty University
2019 - 2023
Masters of Business Administration Christian Brothers University
1992 - 1994
Degree of Business Administration in Management Information Systems University of Memphis
1989 - 1992

Skills

Core skills0
Languages1

Languages

English