Former Executive Vice President in Bank One Corp's retail banking group, Raphael was responsible for 3,000 employees in the following areas: the National Telephone Banking Group-- delivering sales and service nationally to consumers and small businesses; the ATM network of 10,000 ATMs; and oversight of Bank One's 1,800 branch office network with focus on strategy, location analysis, and divestiture/acquisition activities. He was Senior Vice President, Delivery Channel Planning and Development for First Chicago NBD Corporation, in charge of strategy, optimization, and integration of retail delivery channels including the branch network and electronic channels.
He was Director, Electronic Banking as well as Director, Retail Delivery Systems for NBD Bancorp and also served as head of the Corporate Cash Management Group and as Assistant Comptroller for Management Controls. He is a member of the Board of Trustees of Albion College and formerly of Anatolia College. He also has served on the Visiting Committee for the Gerstacker Honors Institute for Professional Management at Albion.
Raphael received his bachelor's degree in economics from Albion College.