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Joe Raffenetti

@joeraffenetti

I'm a senior-level Product Manager with deep experience in platform modernization and customer experience delivery in the Financial Services industry

United States

Message

I’m a Senior Product and Program Leader with 28+ years of experience at Fidelity Investments driving enterprise technology initiatives, digital transformation, and customer-centric product development. I have a proven ability to translate complex business needs into scalable technology solutions by leading cross-functional teams, establishing product strategy, and delivering enterprise-wide initiatives. Track record of measurable business results, including improved client adoption, increased operational efficiency, large-scale platform migrations, and successful delivery of multi-million-dollar programs. I use strategic thinking, strong communication/influencing skills, and collaborative leadership to align stakeholders and drive business outcomes.

Experience

Work history, roles, and key accomplishments

Squad Lead – Student Debt Digital Integration

Fidelity Investments

Mar 2022 - May 2026 (4 years 2 months)

Led cross-functional agile development team for Fidelity's Student Debt product, increasing client adoption by 10% and participant enrollments by 5%. Improved operational efficiency by 20% and reduced technical debt by 10% through cloud migration.

Agile Scrum Product Management Digital Strategy Cloud Migration Stakeholder Management Operational Efficiency

Director – Project Management, Employer Digital Platforms

Fidelity Investments

Oct 2020 - Mar 2022 (1 year 5 months)

Directed product deployment initiatives for enterprise client-facing digital capabilities. Established a Product Deployment Lead role and governance model to improve organizational readiness and product adoption.

Project Management Product Deployment Governance Stakeholder Alignment Process Standardization

Director – Project Management, Employee Digital Experience

Fidelity Investments

Jan 2018 - Sep 2020 (2 years 8 months)

Led business analysis and product delivery for Fidelity's digital customer experience across workplace retirement platforms. Established product vision for online customer profile capabilities and designed an enterprise digital engagement model.

Product Vision Business Analysis Digital Engagement Backlog Management Data Driven Decision Making

Director – Project Management, Workplace Solutions Delivery

Fidelity Investments

Jan 2016 - Dec 2017 (1 year 11 months)

Managed multi-million-dollar enterprise programs for workplace retirement offerings. Delivered customer protection enhancements including Two-Factor Authentication and led program planning, resource allocation, and stakeholder communications.

Program Management 2 Factor Authentication Security Resource Allocation Roadmap Development

Senior Project Manager – Workplace Investments

Fidelity Investments

Dec 2006 - Dec 2015 (9 years)

Managed large-scale enterprise programs for workplace investment platforms. Migrated over 100 clients to a new platform within 10 months and directed migration of 18,000 plan documents. Recognized as 2015 Voice of the Customer Ambassador.

Project Management Enterprise Implementation Stakeholder Management Platform Migration Regulatory Compliance

Project Manager / Business Analyst / Consultant

Fidelity Investments

Jan 1997 - Dec 2006 (9 years 11 months)

Progressively advanced through Project Manager, Business Analyst, Consultant, and Customer Service roles. Supported enterprise client implementations, led requirements gathering and testing, and provided retirement planning guidance to 401(k) participants.

Business Analysis Requirements Gathering Testing Deployment Client Implementation Retirement Planning