Financial Services
Financial services are one of the founder's core competencies, built from over 20 years’ experience with America Express, Visa, and 11 international banks:
- Reward and Loyalty P&L, balance sheet reserve, and customer targeting/new products
- Attrition, win back, authorizations, advertising response, use of online banking, small business portfolios, corporate portfolios, treasury/CFO models
We have deep experience with credit cards (American Express, Visa, and 17 issuing banks):
- Full gamut of services from acquisitions and new products through line increases, account management, cross-sell, spend incentives, loyalty, roll rates, collections management, etc
- Launch of Visa Black Card, American Express international portfolios in 30 international markets, and debit card fee analysis for the largest cross-bank, cross-product studies in history
- AML (Federal Anti-Money Laundering) models
- Fraud (Credit Card, Bank, Social Security and Insurance)
- Federal Reserve Regulatory Review, Validation, Documentation, and Restoration to Compliance on Dodd-Frank, CCAR, review of external credit scores, etc, at five of the top 10 US banks, with three restorations
- Extensive work with internal and external audit of models that pose a material or enterprise risk in SEC, Sarbanes-Oxley, and “Known Event” posture, for seven of the top 10 US banks, three of seven major insurance company banks, and the student loan industry
- Regulatory Support and Filings: OCC, SEC, insurance commissions
- Institution of system wide, cross-book data taming, data mining, and analytics Centers of Excellence at 3 institutions
- Development of Early-Warning Systems and Rapid Response Capabilities to avoid surprises and become more proactive
