Daniel J. Frate, executive vice president of PNC, leads the Products and Alternative Channels group for the Retail Banking business line. This includes consumer and business deposit products, consumer and business lending products, the online channel and emerging technologies, payment products and telephone banking. Mr. Frate began his career with PNC in 2009 and prior to his current position, served as vice chairman and executive vice president of National City Corporation, leading the Retail Banking business line, including the branch network, direct lending, deposits, retail services, direct banking, credit card, insurance, customer strategy, channel management, business banking and National City Mortgage. Prior to joining National City, Mr. Frate served as President and Chief Operating Officer of Bank One Card Services, at the time the third largest bankcard provider in the world. Starting in 2001, Mr. Frate was responsible for the day-to-day management of the business. His experience of more than 20 years in the banking industry includes serving as President of U.S. Bancorps payment systems business and as the companys senior consumer risk officer. In addition, Mr. Frate held the position of Vice Chairman and served as a member of U.S. Bancorps Operating Committee. Mr. Frate has also held various credit, technology and service management positions with Citicorp. He has a bachelors degree in economics from John Carroll University and a masters degree in finance from the Krannert Graduate School of Management at Purdue University.
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