Integrity Payments Group is mission driven to revolutionize the payments industry. We set the standard for trust, transparency, and reliability, expertly navigating payment complexities to provide tailored solutions. We stand as steadfast partners, harnessing cutting-edge technology and forward-thinking solutions to challenges and opportunities to deliver the best possible outcomes throughout the entrepreneurial journey.

Manage the high-risk division of a well-known registered sales organization with more than 20 years history in low risk merchants. Adding more than 10 verticals and 22 new bank and processor relationships. Renegotiated existing processor agreements for better terms. Merchant margins above average while optimizing interchange for merchant expense controls.

Bespoke is an independent sales organization partnered with National Payment Corporation, merchants and processors for the origination of enterprise, high risk, hard to place, and high margin merchants.

Managed all bank and processor relationships. Added 8 new bank and processor relationships to expand vertical diversity. Managed operations, underwriting, sales teams. Managed P&L and budgets. Managed sales teams for individual and team/company performance. Under my leadership, sales and profitability increased over 45% year over year, while pivoting to more profitable and higher volume accounts. Responsible for all operations, business development, and sales teams.

CheckAlt is the largest independent provider of lockbox and treasury solutions in the country. CheckAlt’s solutions include lockbox processing across 14 locations nationwide, consolidated item processing, omni-channel integrated treasury solutions and mobile capture services. CheckAlt’s client base includes 600 financial institutions. Learn more: www.checkalt.com

Merchant Boost, now known as ValidiFI, provides Integrated Information Services and Payment Technologies. My responsibilities include creating and managing direct relationships with payment processors and financial institutions as well as enterprise and highly compliance-focused merchants . We handled all methods of payments and merchant types.

A First Data wholesale ISO. Responsible for banking partner relationships, high value partners and enterprise level merchants. Maintained responsibility for the Agent Bank Program. I was quoted in the June 2014 issue of Independent Banker Magazine. Primary focus was on community and regional banks to provide them with a well developed and very unique program, that offers Market Exclusivity, Dedicated Local Salesperson, Higher Residuals and Residuals on all accounts in your dedicated territory. Oversaw team responsible for all operational management, risk, underwriting, policies, reporting, vendor/contract management, legal and efficiency of operations. Design and implement all strategic account projects, including client communication, education and key account management. Through the formulation and development of new plans, initiatives, strategies, negotiations, identified and managed concurrent multiple innovative projects. Efficiency projects have had significantly and positively impacted cash flow through loss reduction, operational expense reduction and revenue enhancements. Decreased expense largest vendor through efficiency projects and vendor management. Managed a critical outsource operational function to realize a 44% savings and better services. Identified potential loss issue upon first review and managed all aspects of research, legal, workout, recovery and risk mitigation to manage potential loss. Implemented risk policies that reduced chargebacks. Developed and implemented marketing and key account solutions to increase market share; Provide support and negotiate, along with marketing, sales programs for marketing and sales partners, primarily large bank partners. Manage all essential compliance and customer risk functions, such as PCI. Increase portfolio PCI compliance through targeted, planned outreach and educational program.

Responsible for account management team with clients of national accounts functioning as third party partners selling AHS warranties. Acted as liaison between sales and marketing and all supporting in house business units for execution of unit sales, partner satisfaction, increased sales and contract compliance. Partners were located in banking, insurance, association and real estate sectors. Achieved savings of $350,000 annually by partner contract review and termination of dormant agreements. Increased overall closing percentage by 17% through effective marketing campaign management and managing partner delivery of qualified leads. Audited a vendor account, identified reporting inconsistencies and recovered an overpayment from 2010 of $1.2 million.Successfully implemented on-boarding of new partnership with the nation's third largest retailer and implemented a multi channel marketing campaign. Vetted feasibility and opportunity fit for new partnership with a top ranked association services provider, including negotiating contractual requirements and unit delivery commitment as well being point of contact for all supporting business units and client. Third party partnerships provided 360,000 new contacts per year, with average cost per contract of $515.

Responsible for generating new business from targeted C&I relationships with companies having revenue between $10-$500 million or credit needs between $5-$50 million.Exceeded annual profit contribution goal by 35% for 2008 and 21% for 2009.Portfolio profit contribution for 2009 was $3.1 million and $750,000 in ancillary revenue to outside lines of business, including capital markets, investments, corporate benefit plans and commercial insurance.Ending portfolio size of $150 million, which included growth of $80 million during 24 month tenure. Ranked 4th in company for loan production, deposit growth and revenue contribution.Client base included complex clients, municipalities, non-profits and private equity group ownerships.Consistently recognized for networking, sales management and relationship skills.Maintained detailed database of targeted prospects and clients with regimented calling schedule.Received Pyramid of Excellence sales award.

(M&F Bank now known as Renasant Bank) Responsible for all start up operations for bank expansion in TN, including beginning as LPO, obtaining TN banking charter, retail branch site selection, HR, commercial banking, networking, business development and retail operations.Consistently exceeded goals for all reporting periods for growth goals.Successfully opened loan production office and 4 retail branch locations, hiring staff of 24Exceeded budgeted financial projections to reach profitability 18 months sooner than plannedMaintained active community presence through consistent networking, event sponsorship, marketing and volunteer involvement. Grew loans to $85 million and deposits to $35 million from zero.Developed extensive referral network with CPA’s, commercial realtors and attorneys.Handled all aspects of C&I and commercial real estate lending from prospect to portfolio.Managed commercial lending functions and served on bank loan committee and provided advisory reporting to bank board of directors.

Small Business Banking. Clients had revenues up to $50 million with credit exposure of $1 to $10 million.

SBA lending, 7a and 504 loan sourcing and packaging