William (Bill) Hernandez

William (Bill) Hernandez Email and Phone Number

CEO and President of Conifer Consulting Group @ Conifer Advisory Services
The Hague, NL
William (Bill) Hernandez's Location
Satellite Beach, Florida, United States, United States
William (Bill) Hernandez's Contact Details

William (Bill) Hernandez personal email

n/a

William (Bill) Hernandez phone numbers

About William (Bill) Hernandez

Mr. Hernandez brings more than 30 years of experience in the global financial services, payments, partner relationship management and sales, transaction processing, card programs, global card networks, private equity/VC, and brokerage industries. Mr. Hernandez is currently Chief Executive Officer and President at Conifer Advisory and Consulting Group focused on private equity, venture capital consulting activities in the fintech, payment products, financial services, card processing, and mobile product development sectors. Prior to that he was Chief Executive Officer and President of First Performance Global, an enterprise software company developing next generation of mobile card controls, partner and investor management, and digital engagement. Previously, he was Chief Product Officer at ACI Worldwide. He was also President of SpendSmart Networks Inc., a payments and mobile loyalty company. As an EVP at Epana a telecomms and fintech company he delivered relevant products (Prepaid Debit, Money Transfer, Bill Payment, Small Business Loans etc.) and partner and bank relations.Mr. Hernandez also held the position of EVP at First Data Corporation managing the US card, product sales and client relations, processing and output services businesses. During his 7+ years at MasterCard International, he was an SVP, managing the major national sales and account relationships for the largest US-based financial institutions. Prior to MasterCard, he was employed by Citibank for 11 years and held various senior executive positions where he spearheaded global consumer banking, consumer card and channel products advancements for Citibank’s businesses in the United States, Asia, Latin America and Europe. He also held executive positions at FGIC, Shearson American Express and Manufacturers Hanover Trust Company.Current and Previous Board Positions: • Compound (Previously Metamorphic Ventures): Advisory Board (2009-Present• The SpendSmart Payments Company(OTN:SSPC): Board of Directors (Previously BillMyParents (OTN: BMPI)• Transactis Advisory Board• Arsenal Capital Partners Financial Services Advisory Board • FrontStream Payments • Tempo Financial: iTransfer•

William (Bill) Hernandez's Current Company Details
Conifer Advisory Services

Conifer Advisory Services

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CEO and President of Conifer Consulting Group
The Hague, NL
Website:
coniferadvisoryservices.com
Employees:
2
William (Bill) Hernandez Work Experience Details
  • Conifer Advisory Services
    Chief Executive Officer And President
    Conifer Advisory Services Jun 2019 - Present
    Florida, United States
    CEO and President of a consulting and advisory services company focused on private equity and venture capital activities in the fintech, global payments, financial services, card processing, and mobile product sectors.
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  • First Performance Global
    Chief Executive Officer
    First Performance Global Mar 2017 - Jun 2019
    Atlanta, Ga
    Led development and global expansion of First Performance Global, an enterprise software company developing the next generation of card controls and digital engagement as a turnkey white label solution for global processors and banks. Created the strategic plan and product suite development program to empower cardholders to use, manage, and control their finances digitally, in real time. Developed an innovative platform from a single card transaction alert product to a suite of products that included: Advanced Card Controls (Card, Channel, Travel, Spend Limits controls, Whitelisting/Blacklist, On-For-One), Chatbots, Geolocation Services, Merchant Data Cleansing, and Card on File. Global investor and partner sales and management. Raised $30M in series A round with investors (First Data, Mastercard, Synchrony, Regions Bank, and RRE Ventures.) Built a new operating and organizational model, grew the team from 10 to 63 staff, and opened offices in EU, LATAM and Asia.
  • Aci Worldwide
    Chief Product Officer
    Aci Worldwide Jan 2016 - Feb 2017
    Naples, Florida Area
    Directed Global Product and Relationship Solutions Consulting teams, strategy, product roadmap and development to support Faster Payments, Retail, Corporate and Wholesale banking, card programs, merchant & payment processors, card, wire transfers, financial intermediaries and processors. Managed a broad range of global products such as faster payments gateways and hubs, debit, prepaid, credit card acquiring, switching & transaction management, mobile, ATM/POS driving, tokenization, digital banking, payments back-office, SaaS/hosted payments environments, wire transfers, and corporate and wholesale online banking products. $778M P&L management responsibility. Managed all global and in region teams for product, business & solution practice leads, solution consultants, product and market analysts and interaction model; matrix responsibility for marketing, finance, project management.
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  • Spendsmart Networks Inc. (Otn:Sspc)
    President
    Spendsmart Networks Inc. (Otn:Sspc) Nov 2012 - Jan 2016
    Ct (Corporate Offices Located In Ca And Ia)
    A payments and mobile loyalty and marketing company currently focused on delivery of merchant mobile loyalty and marketing and various prepaid card programs. Led business turnaround of company supporting innovative prepaid card programs (SpendSmart & BillMyParents) and mobile Apps, websites, and TXT notifications, prepaid card transaction processing product development, and loyalty company with P&L responsibility and managing (Product Development, Sales, Risk, Database Analytics, Marketing, Partner Management, Operations, IT, Finance, Compliance, Customer Service). Restructured executive team and developed strategic and product growth plans delivering initiatives such as product verticals, new issuing bank, mobile Apps and web-based product development.
  • Conifer Consulting Group
    President And Ceo
    Conifer Consulting Group 2008 - Nov 2012
    New York, United States
    Directed highly successful payments consulting firm that provided a broad range of expertise in cards/payments businesses, payments transaction processing, new product development, ATM products, card networks, marketing strategy, client management & sales, expense reduction and vendor negotiations in the US and global markets. Examples of various client engagements include:• TD Bank Retail Card Services (2008 - 2012) – Multi-year engagement working for the President of TD RCS to develop card business turnaround strategy, new card product development, sales and Client Management team restructuring, vendor and client contract negotiations, new client card issuance and product implementations, (card program launches, Installment Loans, Bill Presentment and Payments, web merchant system, Statements), cost/revenue improvement program.• Metamorphic Ventures (2009 – 2012, currently VC Advisor) – Provided product technology and payments start-up and early payments portfolio investment advice and consulting. Prepaid card, mobile payments, and bill pay companies.• FrontStream Payments, Merchant Acquirer (2010 - 2011) - Business restructuring, product development, product merchant sales strategy and building new sales and merchant relations team, and merchant vertical expansion plan• Arsenal Capital Partners (2010 - 2012) - Operating Partner/Director. Supported payments and financial services portfolio companies and acquisitions. Money Transfer, prepaid card, merchant acquirer, mortgage back securities, etc.• Other significant assignments included BillMyParents, Tempo Financial (iTransfer-Global Money Transfer), OfferIQ• Transactis Inc. (2008 - 2012) - Reported to Chairman and CEO; advisor to Board of Directors. Business strategy development, product development plan for bill presentment and payments.
  • Epana
    Executive Vice President
    Epana 2006 - 2008
    New York, United States
    Conceived, launched and managed two unique start-up businesses with P&L and line responsibility - Unidos Financial Services (UFS) (Prepaid card, Money Transfer and Bill Pay) and Epana Marketing & Research Services - leveraging telecommunications business, 15MM Hispanic customer base and 45K agent network. Grew combined business revenue to over $200MM annually.
Developed financial services business strategy, product roadmap and developed and launched prepaid money transfer card program, prepaid/debit and credit card transaction authorization and settlement system, money transfer platform, bill pay systems and agent kiosk, Health Care Rx discount card; and developed alliance with Accion to offer small business loans. Launched prepaid card agent distribution network. Created product development, sales, marketing, operations, risk/compliance, collections, FX, agent management departments to rapidly deploy to 500+ US agent locations and over 750 retail partner locations in Mexico.
  • First Data Corporation
    Executive Vice President
    First Data Corporation 2005 - 2006
    New York, Omaha, Denver
    Led Product Management, National Sales and Client Relationship Management for US card processing and output services divisions delivering credit, debit, prepaid, and private label card processing, call center operations, ancillary services and output services programs. Direct P&L responsibility $423MM. Directed national teams in support of partners such American Express, Bank of America, Retailers, Discover Financial, Capital One, Wells Fargo, Sears, etc. Significantly increased revenue by expanding the product suite, reorganized client & sales teams, contract negotiation process and developing sales/product strategies for new/existing private label and bankcard business lines (AMEX, Capital One, Discover Financial, Credit Unions, etc.), expansion of call center sales and output services programs. Improved sales growth and partnerships by introducing enterprise-wide product solutions and establishing sales/client management information management tools to provide enhanced customer profitability and analytics. Introduced database management, grew product suite, new customer acquisition & cross-sell products programs and more robust call center analytics.
  • Mastercard
    Senior Vice President
    Mastercard 1998 - 2005
    New York, United States
    Managed US national client relationships and sales for top US-based financial institutions including B of A, First USA, Bank One, GE, Wells Fargo, Sears, JCPenney, Airlines, US Bank, Citizens, Fifth Third, USAA, WAMU / Providian, Metris, BOW, UBOC, Credit Unions, Peoples Bank, etc. Managed diverse group of regional SVPs/VPs and their regional teams and offices. William M. Hernandez page 3MasterCard International (Continued)Negotiated agreements, converted various Visa banks, and directed major bank and co-brand issuing programs with partners such as Sears, GE, Wells Fargo, US Bank, USAA, JCPenney, Bank One, Fifth Third, Bank of the West, RBS, Continental Airlines (debit), Midwest Express, Brooks Brothers, BJs, Eddie Bauer, National Geographic, etc. Negotiated unique $24MM outsourcing marketing agreement with major retail co-brand partner which lead to MC Advisors expansion.Delivered the largest MasterCard private label portfolio conversions with Sears and JCPenney delivering over 34MM new MasterCard accounts and $40B+ in yearly gross dollar volume; significantly increasing MasterCard overall market share. Developed innovative marketing/sales and portfolio conversion strategies. Providing issuing business propositions to clients to drive revenue, improve marketing, and grow customer acquisition and market share while reducing expenses. Expanded new card product segments, including MasterCard’s 1st US Hispanic and FSA prepaid card program.MasterCard US Interchange Committee, company member on US Debit Board, and US Business Committee.
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  • Citibank
    Region Vice President
    Citibank 1987 - 1998
    View
  • Financial Guaranty Insurance Co.
    Department Head
    Financial Guaranty Insurance Co. 1986 - 1987
  • Sheason Lehman American Express
    Department Manager
    Sheason Lehman American Express 1983 - 1986
  • Manufacturers Hanover Trust Company
    Assistant Vice President
    Manufacturers Hanover Trust Company 1979 - 1983

William (Bill) Hernandez Skills

Strategy Vendor Management Strategic Partnerships Credit Payments Program Management Debit Cards Credit Cards Payment Card Processing Mobile Payments Cards Banking Product Management New Business Development Financial Services Payment Systems Business Development Negotiation Management Transaction Processing Venture Capital Strategic Planning Consulting Contract Negotiation Relationship Management Business Analysis Analytics Electronic Payments Executive Management Finance Mergers And Acquisitions Portfolio Management Financial Risk Risk Management Start Ups Payment Gateways E Payments Acquiring Mobile Commerce Ach Private Equity Merchant Services Loyalty Programs Investments Due Diligence Financial Institutions Gift Cards Customer Acquisition Capital Markets Loyalty Marketing

William (Bill) Hernandez Education Details

Frequently Asked Questions about William (Bill) Hernandez

What company does William (Bill) Hernandez work for?

William (Bill) Hernandez works for Conifer Advisory Services

What is William (Bill) Hernandez's role at the current company?

William (Bill) Hernandez's current role is CEO and President of Conifer Consulting Group.

What is William (Bill) Hernandez's email address?

William (Bill) Hernandez's email address is bi****@****ine.net

What is William (Bill) Hernandez's direct phone number?

William (Bill) Hernandez's direct phone number is +120323*****

What schools did William (Bill) Hernandez attend?

William (Bill) Hernandez attended Rider University.

What skills is William (Bill) Hernandez known for?

William (Bill) Hernandez has skills like Strategy, Vendor Management, Strategic Partnerships, Credit, Payments, Program Management, Debit Cards, Credit Cards, Payment Card Processing, Mobile Payments, Cards, Banking.

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