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Mr. Gutterman is a Managing Director of MBH Enterprises, Inc, where he serves a leadership role in deployment of operating systems, mergers and acquisitions and market channel development. He brings to MBH over ten years of experience in the financial services industry. Steve spent six years at E*TRADE Financial, where he served as EVP and COO of E*TRADE Bank, a $30 billion federally regulated thrift. In this capacity, he had direct P&L responsibility for all of E*TRADE's cash management and lending businesses, consisting of a $14 billion deposit business, a $5 billion mortgage and home equity business, the nation's largest originator of luxury boat and recreational vehicle loans, a $2 billion credit card business and a nationwide network of 15,000 automated teller machines. During his tenure, Steve improved profitability in his businesses by over 300%. Steve serves on the board of several educational and charitable institutions. He holds a JD/MBA from Columbia University and a BA from Tufts University. | 