Norm DeLuca

Senior Partner

Doctor Phone | Medica Webflow Template


  • Co-founder & Senior Partner, Jamestown Advisors LLC
  • Founder & Managing Partner, NMD Investments LLC
  • GM, Digital Banking, BottomlineTechnologies
  • Vice Chairman, Consumer Financial Services, Citizens Financial Group
  • Head of Global Transaction Services, Americas, Royal Bank of Scotland
  • FleetBoston Financial:
    • Head of Commercial, Corporate and Specialty Banking
    • Head of Small Business Banking
    • Head of Business Payments, Insurance and Payroll Services
    • CMO and head of strategy, Commercial Banking


  • Commercial Banking & Payments
  • Digital Banking
  • Enterprise Software
  • Business Strategy and M&A
  • Go-to-Market
  • Leadership and Organizational Development

Norm’s focus and passion has been driving transformational change in financial services and leading teams that compete and win, deliver results and create sustainable value. He has 30 years of experience at the highest levels of the financial services and financial technology industries. He has built and led businesses ranging in size from $20M to $2.5B in revenues, and from 100 to more than 5,000 employees, across a wide range of sectors, stages and scenarios, in both the U.S. and international markets.

Norm was most recently Managing Director at Bottomline Technologies, where he built and led the $100M+ Digital Banking Group and spearheaded the development of the market-leading Digital Banking IQ platform, which established the standard for digital competitiveness in commercial banking and was consistently recognized for product and innovation excellence.

A widely respected investor, advisor and thought leader in SMB financial services, digital banking and B2B payments, Norm has led acquisitions of and investments in more than 25 companies and has served on the boards of start-ups and early-stage ventures, including MineralTree, Malauzai, BankSight and Autobooks.

Prior to leading a financial technology business, Norm spent 20 years in the banking industry in a range of strategic and operational leadership roles – in M&A, merger integration, marketing and strategy roles, and as GM of several multi-billion-dollar businesses. At Royal Bank of Scotland Group, he led the Global Transaction Services business (cash management, trade finance, merchant acquiring, commercial cards). As a Vice Chairman of Citizens Financial Group during the 2007-2009 Global Financial Crisis (GFC), he oversaw and dramatically restructured the bank’s portfolio of consumer lending and payments businesses.

Norm started his career in banking at Fleet Financial Group (later FleetBoston Financial and Bank of America). He was CMO & head of strategy for the commercial banking business; GM of the Small Business banking group, which under his leadership was the nation’s #1 SBA lender and was named Fortune Magazine’s “Best Bank for SmallBusiness”; and Senior Executive Vice President and head of Business Financial Services, which included small business, commercial, corporate and specialty banking, business payments, insurance and payroll services. He was also head of Commercial Banking – Northeast Region and President of Insurance Services for Bank of America.

Norm’s specialized expertise is in commercial banking and payments, enterprise software, business strategy, M&A and merger integration, strategic communications, all things go-to-market, SaaS business and financial performance, and leadership and organizational development. He is truly passionate about three things: continuously learning and growing, driving profitable growth and sustainable business value, and building great teams that are inspired to compete and win with purpose.