Strategic Banking Insights
ABOUT SBI
Back in 1995, ATM cards were the primary "mobile" payment devices, and MasterCard and VISA branded debit cards were the "hot" new payment products of the day. Cell phones were luxury items for the elite, and digital pagers were for everyone else. The Internet was in its infancy. And except for very expensive dedicated leased lines, the 56K dial-up modem was the fastest way to establish peer-to-peer computer connections.
It was during this period that Calvin Turner, the founder of Strategic Banking Insights, began his banking journey with the Federal Reserve Bank. Since then, Turner has been at the forefront of developing, implementing, marketing, and managing strategic innovation both within and outside of the banking industry.
Areas of expertise include Digital Banking Strategy Development and Execution, Business Banking Strategy and Execution, Emerging Payments, Marketing and Business Development, and Process Innovation.
1996 >> Recruited by Hibernia National Bank to launch the Card Services line of business. Introduced the MasterCard branded debit card while the debit card industry was still in its infancy.
1997 >> Launched the VISA Corporate Card and the VISA Small Business Card with a simplified one-page application process that utilized FICO credit scoring analytics for approval within 4 hours instead of 2 days.
1998 >> Left Hibernia to start my own B2B business (Total Business Solutions).
1999 >> Recognized that high-speed Internet would fundamentally change the way business is done and partnered with Cox Communications to be the sole demonstration site and reseller for Cox high-speed Internet in the greater New Orleans area.
2000 >> Joined Whitney National Bank. Instituted the Payments Steering Committee to guide the bank’s overall payments strategy in light of the rapid adoption of electronic payment modalities and the simultaneous reduction of paper checks.
2002 >> Implemented a CRM solution for the Whitney Bank.
2003 >> Brought in as the Director of Business Banking Products and Marketing for Whitney's newly-formed Business Banking Division.
2004 >> Developed and coordinated the rollout of the Whitney E-Z Pay (prepaid) Card - before the FDIC, OCC, and FRB had issued any regulatory guidance to banks on prepaid payroll cards.
2004 >> Launched Whitney Bank"s Business Online Banking Internet product.
2004 - 2008 >> Standing member of the Mergers and Acquisition team. Performed due diligence of targeted acquisitions, and led the operational integration of acquired banks’ business and commercial customers’ account relationships, products, and services into Whitney’s portfolio which grew Whitney's asset base from $8 billion to $12 billion in 4 years.
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2007 >> Spearheaded the product development, go-to-market strategy, and launch of Whitney's Remote Deposit Capture product.
2008 >> Combined the Business Online Banking and Commercial Online Banking applications onto a common platform that provided enhanced digital payment and reporting options.
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2009 >> Appointed Head of Business Banking at Whitney Bank. Developed the Business Banking Execution Strategy to position Whitney Bank to capitalize on the SMB market segment opportunities.
2009 >> Organized "blind" customer focus groups to solicit "voice of the customer" feedback regarding Whitney's product offerings, customer service, etc., and implemented the "mystery shopper" program to shop competitors' products and service models to determine how we compared in the marketplace.
2009 >> Implemented the “Business Banking Advisory Board” to facilitate organization-wide cascading and sharing of the Business Banking Execution Strategy to Regional Executives and Bankers in 5 states, and to solicit feedback from the field regarding ways to enhance the bankers’ overall effectiveness.
2009 - 2011 >> Whitney Bank was recognized each year from 2009 – 2011 by Greenwich Associates with 14 Excellence Awards for distinguished service in Small Business and Middle Market banking.
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2011 >> Appointed Head of Business Banking for the combined Hancock | Whitney Bank. The merger of Hancock Bank and Whitney Bank created a $20 billion regional financial institution in the southeast U.S.
2015 >> Founded Strategic Banking Insights to provide market intelligence, strategic expertise, and industry insights to enable financial institutions to develop and execute successful programs that increase profitability.
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