Who I Help
Four audiences, one underlying skill set.
The institution side and the business side reinforce each other. Knowing how banks build products, make decisions and operate behind the scenes is exactly what makes the work on the other side useful.
Banks
What Usually Prompts the Call
A product isn’t performing, a seat is empty, or operations grew faster than the procedures behind them.
The Work
Fractional leadership, product and payments strategy, process redesign, SOP development and executive analytics.
Credit Unions
What Usually Prompts the Call
Member-facing growth targets colliding with limited back-office capacity and thin documentation.
The Work
Operational assessments, SOP development, product and payments strategy, and executive analytics.
Businesses
What Usually Prompts the Call
Your banking relationship has gotten more complicated, something doesn’t make sense, or you’re facing a financial decision without anyone on your side who understands how the bank works.
The Work
Business banking reviews, banking problem solving, payment analysis, financial decision reviews and lender conversations.
Business Buyers
What Usually Prompts the Call
The CPA reads the books and the attorney reads the contracts. Nobody reads the money plumbing.
The Work
Banking due diligence on statements, cash movement, loans, processors, ACH exposure and banking relationships that must transfer at close.
Also Available
Litigation and expert consulting
Attorneys handling matters involving ACH, deposits, payments, bank operations or product practices frequently need someone who has run those functions rather than studied them. I take a limited number of consulting and expert engagements each year.
ACH origination, returns & payment operations
Origination practices, returns, reversals and unauthorized-entry disputes.
Deposit account operations
Funds availability, holds, overdraft and NSF practices, transaction handling and deposit operations.
Card & merchant processing economics
Interchange economics, processor pricing, chargebacks, transaction flows and statement reconstruction.
Bank product design, pricing & fraud/dispute handling
How products get built and priced, and how fraud and dispute cases are actually worked.