Hi and thanks for your question. It sounds like you have an interesting background.

My quick take is that your first three are probably going to be a bit of a stretch. On the plus side, you have great work experience and already have a master's degree (I tend to think that a technical masters is always a good thing to have when doing a management degree.)

I can't really judge the quality of your work experience except to say that you have seven years which is, in your case, good. It helps take some of the pressure off your lower GPA.

On the other hand, given that you have a technical degree and a quant background I have to say that your GMAT is a bit of a problem for the higher-end schools to which you are applying. A 650 is okay as a score but it isn't going to get you into some of the programs that you're talking about. It can be overcome but overcoming it usually requires something really outstanding in the rest of your application.

So...I think I would either focus on getting your GMAT up or I would focus on Tepper, McCombs, and Emory rather than your first three.

You may decide that your work experience is strong enough that it's worth while to apply but this is my take based on the information that you have given me.