Credit Risk Management & Finance

Finance’s Critical Role in Digital Sales and Marketing Success

Feb 28, 2023

Investment in digital marketing programs to acquire attractive consumer and small business...

Bank Marketing Evolving Role in an Era of Rapid Change
Why Boston is the Next Battleground for First Citizens
Starting Small: How to Transform Marketing into a Growth Partner
NEFMA Fall Conference: "How to Become your Sales Team's Best Friend" and "The Great Channel Divide: How to Optimize Spend, Align Agencies and Drive Results"
Virginia Bankers Association Leadership Conference: "Leadership Lessons for Emerging Leaders from America's Top Performing Banks"
3Q25 Quarterly Bank Report
Channel Focus: Where Bank Marketers are Investing for 2026
Marketing Budget and Staffing Considerations for 2026
ABA Bank Marketing Conference: Peer Roundtable Discussion "The Budget Conversation"
How to Fuel Customer Growth with Strategic Product Design
'Trusted Contacts' Provide Banks New Fraud Bulwark
The Top Performing Banks with >$50B in Assets
2Q25 Quarterly Bank Report
The Top Performing Banks with between $10B-$50B in Assets
How Customer Primacy Drives Value in 2025
The Top Performing Banks with between $2B-$10B in Assets
Bank for the Bucks: Marketing Pumps Loan and Revenue Growth at Small and Mid-size Banks
Marketing Automation Drives Value for Bank Marketers
CPG Publication: Celebrating Small Business Month - How Banks Support the Backbone of the Economy
New Survey Highlights Importance of CRM in Martech Toolkit
1Q25 Quarterly Bank Report
Driving Profitability Through Effective Customer Onboarding
Bank Marketers Double Down on AI
2025 IBA Mega Conference: "Strategic Imperatives for Community and Regional Banks" and "Creating Segment-Specific Business Strategies to Drive Growth"
2025 Marquis Conference: "Modernizing Bank Retail, Marketing and Revenue Operations"
Bank Technology Reaches a Tipping Point
The Power of the Value Proposition
Effective Cross-Selling: The Key to Meeting Deposit and Loan Growth Goals
The Checking Account Wake Up Call
Quarterly Bank Report 4Q24
Marketing as a Strategic Business Partner
PA Bankers Women in Banking Conference: "Why Women are Uniquely Positioned for Leadership Roles"
ABA Conference for Community Bankers: "Segment-Specific Business Strategies: Smarter Ways to Grow"
ABA Webinar: "Strategic Imperatives for Community Banks"
Bank Marketing Budgeting and Staff Considerations for 2025
2025 Marketing Trends

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2019

Previous 2019 Newsletters
4 Crucial Steps to Transform Banking Products for a Fintech World
The Financial Brand, November 11, 2019, by Mary Ellen Georgas-Tellefsen.
A Winning Game Plan: Playing Offense and Defense to Prepare for the Future
Vertical IQ Webinar, October 30, 2019, by Mary Beth Sullivan.
Digital vs. Traditional Marketing: Lessons Learned
ABA Banking Journal/ABA Bank Marketing, October 30, 2019, by Mark Gibson.
Podcast: Traditional vs.Digital Marketing
ABA Bank Marketing Conference, October 7, 2019, by Mary Ellen Georgas and Mark Gibson.
Accelerating and Amplifying Your Financial Institution’s Onboarding Success
The Financial Brand, October 14, 2019, by Mary Ellen Georgas.
Podcast: Has Banking Become too Political
American Banker’s Bankshot podcast, October 10, 2019, featuring Rolland Johannsen.
Digital and Traditional Marketing Duke it Out Onstage
ABA Bank Marketing Conference, September 23, 2019, by Mary Ellen Georgas-Tellefsen and Mark Gibson.
Traditional and Digital Marketing Duke it Out
ABA Bank Marketing, September 11, 2019, by Mary Ellen Georgas-Tellefsen.
Content-Based Marketing Helps Banks Gain Inside Track (subscription only)
banknews.com, September 3, 2019, by Maura Keller featuring Mary Ellen Georgas-Tellefsen.
Customer Experience Lessons from the Front Lines
ABA Bank Marketing, August 28, 2019, by Mary Ellen Georgas-Tellefsen and Charlotte Anderson.
Five Strategy Questions for 2020
LinkedIn, August 26, 2019, by Mary Beth Sullivan.
Solving the Financial Health Paradox
ABA Bank Marketing, August 2, 2019, by Mark Gibson.
Let Data Drive Strategy
CU Management, July 26, 2019, by Mary Beth Sullivan and Mary Ellen Georgas-Tellefsen.
Where regulation meets responsibility, the unwritten rules of customer data
BAI Banking Strategies Executive Report: Compliance Beyond the Regulations, July 10, 2019, by Lauri Giesen, featuring Claude Hanley.
It’s Never too Early for Marketing Planning
ABA Banking Journal, July 9, 2019, by Mary Ellen Georgas-Tellefsen.
Competing to Win in Retail Banking Today
Best Bank Expo, June 28, 2019, by Mary Ellen Georgas-Tellefsen.
Customer Experience as a Competitive Weapon
Virginia Bankers Association’s Annual Conference, June 16, 2019, presented by Mary Ellen Georgas-Tellefsen.
BankThink: What sets industry’s top performers apart
American Banker BankThink, June 5, 2019, by Claude Hanley.
No Participation Trophies Here: Our 2019 Ranking of Midtier Banks
American Banker, June 3, 2019, by Andy Peters featuring Kevin Halsey.
Five Common Digital Marketing Misfires and How to Avoid Them (subscribers only)
CUES Webinar, May 30, 2019, by Mark Gibson and Mike Wallach.
Harnessing Data to Move Marketing Forward
ABA Bank Marketing, May 29, 2019, by Mark Gibson and Mike Wallach.
CFO Focus: Scenario Planning And Your Financial Future,
CU Management, May 21, 2019, by Claude Hanley.
Warning Signs amid Big Gains – CPG and the American Bankers Rank the top 200 Community Banks.
American Banker Magazine, May 3, 2019, by Bonnie McGeer featuring Kevin Halsey.
BankThink: Managing Reputational Risk is Getting More Complicated
American Banker’s BankThink, April 22, 2019, by Rolland Johannsen.
Onboarding: Observations from the Front Lines
New York Bankers Association Small Business & Retail Banking Conference, April 10, 2019, presented by Mary Ellen Georgas-Tellefsen. (NYBA Small Business & Retail Banking Conference)
Drive Higher Growth Rates with Analytics
American Banker’s Retail Banking 2019: Growth Stories, March 26, 2019, presented by Mary Beth Sullivan, Mark Gibson and Mike Wallach. (American Banker’s Retail Banking 2019)
House Democrats Politicize Banking
Wall Street Journal, March 17, 2019, featuring Rolland Johannsen.
Driving Success in a Challenging Retail Banking Environment
Virginia Banker’s VBAConnect conference, March 12, 2019, presented by Kevin Halsey. (VBAConnect)
10 Minutes With… Mary Beth Sullivan
Mary Beth discusses deposit challenges with Jack Hubbard. February 19, 2019.
No data but not dated: Why pre-digital bank marketing methods still work
BAI Banking Strategies, February 13, 2019, featuring Mark Gibson.
Competing to Win in Retail Banking Today
Deluxe Exchange 2019, February 5, 2019, presented by Mary Beth Sullivan. (Deluxe Exchange 2019)
Driving Customer Engagement of Emerging Prime Segments
Deluxe Exchange 2019, February 5, 2019, presented by Mark Gibson. (Deluxe Exchange 2019)
It’s Time to Rethink Relationship Banking
American Banker/SourceMedia Small Business Banking Conference, November 29, 2019, presented by Mary Beth Sullivan and Shon Aguero. (Small Business Banking Conference)

2018

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2017

Please contact us if you would like a copy of one (or more) of these older articles as url’s change as publications move/archive older articles.

Previous 2017 Newsletters
Top Ten Retail Banking Trends and Predictions for 2018
Financial institutions struggle with complex regulations, legacy systems, new technologies and competitors, and an increasingly demanding customer base. Insights from a crowdsourced panel of 100 financial services influencers, industry analysts and banking providers combined with the results from a global research study helps identify future trends and strategies for long-term growth. December 18, 2017, featuring Mary Beth Sullivan. (The Financial Brand)
Better Service as a Differentiator
Ask a community banker why clients choose his or her bank, and the answer inevitably points to superior personal service. This is understandable, given that national banks often claim the honor of best technology or greatest convenience. But do community banks really outperform in the service category? If not, how can they get there? December 12, 2017, by Mark Gibson. (ABA Bank Marketing)
The Win-Win of Sustainable Banking
Companies with sound sustainability practices also have superior access to capital and pay less for it. And studies show that stock price performance is positively influenced by good sustainability practices. November 14, 2017, by Mark Gibson. (ABA Bank Marketing)
How to Leverage Buyer Behavior
Marketing and advertising techniques have been rapidly evolving away from demographic and attitudinal segmentation—and towards behavioral segmentation. October 3, 2017, by Mark Gibson. (ABA Bank Marketing)
Winning Through Advanced Product DesignABA Bank Marketing Conference, September 24, 2017, by Mary Beth Sullivan, Mark Gibson, and Shon Aguero (Landmark Bank). (ABA Bank Marketing Conference)
How to Build Remarkable Bank Products
Carefully researched, crafted, and marketed “remarkable products” can attract attention and generate superior household growth in an increasingly competitive market. September 15, 2017, by Mark Gibson & Kevin Halsey. (ABA Bank Marketing)
BankThink: Equifax breach threatens bank reputations, too
Clearly, if you are a banker, you can rest assured that the data breach at Equifax was not your fault. So why do you have a dog in this fight? The problem for banks is not what they did, or what they did not do, but rather what steps they might neglect in dealing with the aftermath of the Equifax breach. September 12, 2017, by Rolland Johannsen. (American Banker BankThink)
Gen Xers Get No Respect!
Are you missing the opportunity with the Rodney Dangerfield of generations? Gen Xers are resilient, successful, and deserving of more focus. August 18, 2o17, by Mary Ellen Georgas. (ABA Bank Marketing)
Can banks afford to remain on the political sidelines?
The Bill of Rights does not require that companies support, encourage, or tolerate ignorance and hate. August 17, 2017, by Rolland Johannsen. (American Banker BankThink)
Know Your Community’s Triangle
Ask a community bank leader what makes his or her organization special, and you will often hear: “We deliver great personal service, we take care of our customers, and we are committed to our local communities.” Are they living up to this promise? August 4, 2017, by Mark Gibson. (ABA Bank Marketing)
The One Bank Metric that Matters Most Now
Some regional banks became top performers by out-pacing their peers on loan growth, others by pursuing diverse sources of fee income. But core deposit growth might be the best indicator of which banks will have true staying power in the years ahead. August 1, 2017, by Laura Alix, featuring Kevin Halsey. (American Banker)
Winning the New Deposit War
For the past decade, banks have taken for granted the abundance of low-cost deposits. Customers flocked to banks for safety during the crisis, and didn’t see any attractive investments for that money long after the crisis ended. However, there is ample evidence this period of easy deposit growth has come to an end. July 13, 2016, by Mark Gibson. (ABA Bank Marketing)
Your Yin Broke My Yang – it’s time to restore industry/regulatory balance
Relationships between bankers and their prudential regulators have always been complex and complicated. However, over the last decade the appropriate balance between banks and their regulations has become seriously distorted. June-July 2017, by Rolland Johannsen. (The European Financial Review)
ABA Payments Survey 2017
ABA Payment Forum, June 22-23 in Washington, DC. Mary Beth Sullivan presented the results of ABA’s Payment Survey 2017 and Claude Hanley moderated an executive panel. CPG worked closely with the ABA on its new Payment Forum and its new 2017-Payments-Strategy-Survey.
Hey big spenders, way to go: Our 2017 ranking of midtier banks
The top-performing banks in the $2 billion-to-$10 billion asset class are a diverse group made up of traditional commercial lenders, mortgage powerhouses, serial acquirers and fee generators. But one common characteristic is that they are unafraid to invest in their growth. This is especially striking given the pressure all banks are under to control expenses these days. May 31, 2017, by Alan Kline, featuring Kevin Halsey. (American Banker)
BankThink: Three pathways to high performance for banks
How do the top-performing banks continue to post double-digit returns, despite having the same serious profit-dampening challenges as their peers? The answer isn’t exactly straightforward. May 31, 2017, by Kevin Halsey. (American Banker BankThink)
The June issue of American Banker Magazine features full ranking and both articles above.
Emotional Banking in the Digital Age
With customers turning more and more to self-service tools, how can banks establish and maintain positive emotional connections with customers who visit the branch much less frequently? May 30, 2017, by Mark Gibson. (ABA Bank Marketing)
Product Design for Acquisition and Relationship Results
Massachusetts Bankers Annual Technology & Retail Banking Conference, May 19, 2017, presented by Mary Ellen Georgas.
Enduring as a Pillar of Your Community
Our industry is still trying to regain the trust and shine it lost during the financial crisis. Even our community banks have been tarnished by the perceived greed and callousness of the giant few. April 28, 2017, by Mark Gibson. (ABA Bank Marketing)
Getting Big Results with Small Data Analytics
AMIfs Annual Conference – Financial Performance & Risk Management, April 26-28, 2017, presented by Claude Hanley.
All about scale: The top 200 publicly traded community banks
The combination of low interest rates and increased regulatory expenses leaves banks with few options for improving their performance. But one effective strategy — to at least offset the dampening effect — is to bulk up. April 26, 2017, by Bonnie McGeer, featuring Kevin Halsey. (American Banker)
United Airlines debacle has lessons for bank culture
While overbooking is a unique issue for the airline industry — and this may be an extreme example — there are many company culture lessons to be learned from how this was handled for any service industry, including banks. April 24, 2017, by Rolland Johannsen. (American Banker BankThink)
Winning Strategies for Community Banks
Community banks are under pressure to grow and remain relevant – to attract new customers as their customer base ages. April 14, 2017, by Mark Gibson. (ABA Bank Marketing)
Skills Gap
As banks transform, employee skills don’t always keep up. Banking Exchange, April-May 2017, featuring Mary Beth Sullivan. (Banking Exchange)
Ahoy! Onboard Customers for Life
What if you could improve new customer retention rates 25% – 50%? What if you could lift cross-sell campaign responses 1.5 – 2.0 times within the first 90 days of new account opening? What if you could increase revenue from new customers 35% – 40%? April 5, 2017, by Mary Ellen Georgas. (ABA Bank Marketing)
The Battle for Mass Affluent Gen Xers
NYBA Small Business & Retail Banking Conference, April 4-6, 2017.
Driving Value Through the Branch – panel discussion
NYBA Small Business & Retail Banking Conference, April 4-6, 2017.
Reputational Risks are Heightened by Tense Political Climate
The newest reputational threat has nothing to do with violations of regulations or ethical norms, but rather with the extreme polarization and activism spreading through the country. February 22, 2017, by Rolland Johannsen. (American Banker BankThink)
ABA National Conference for Community Bankers
Rolland Johannsen facilitated the CEO Peer Exchange for banks with assets of $2B+.
How to Use Measurement & ROI to Increase Your Marketing Budget
Deluxe Exchange, February 6-8, 2017, by Mark Gibson.
Payments Disruption: You Ain’t Seen Nothing Yet
A whole host of industries have been altered dramatically by the entrance of technology-based category disruptors that have changed the competitive landscape and left once-powerful companies to either wither or die. Retail, media, news, entertainment and transportation are just a few industries that have experienced painful (for some) transformations. The question remains, “Is the banking industry next?” We believe the answer is “yes!” November 9, 2016, by Rolland Johannsen. (American Banker)
“We’re Not Wells Fargo” Won’t Cut It With Regulators
In the wake of the Wells Fargo scandal, many inside and outside the industry are asking a very simple question: “Are the unethical sales practices unique to Wells Fargo or do they have broader industry implications?” October 21, 2016, by Rolland Johannsen. (American Banker BankThink)
Meet the ROI Challenge Head On
NEFMA Fall Conference, October 14, 2016.
Building a Data-Driven Marketing Organization
NEFMA Fall Conference, October 14, 2016.
Getting Big Results from Small Data Analytics
ABA CFO Exchange, September 20, 2016.
Fighting the Talent Battle in Bank Marketing
Chief marketing officers tell us they have two huge challenges today: shifting their existing staff to the digital world; and finding enough analytical talent to inform and measure successful campaigns. August 29, 2016, by Mark Gibson. (BAI Banking Strategies)
Is Size an Advantage? Not Always, Our Ranking of Regional Banks Shows
The combination of higher regulatory expenses and reduced income from interchange fees is taking a toll on the profitability of banks with $10B to $50B. July 27, 2016, by Andy Peters, featuring Kevin Halsey. (American Banker)
Leveraging Digital Advertising
Marketing has changed more in the past three years than in the previous thirty as new media channels, including social, have proliferated. Bank marketers know they need to move an increasing portion of their ad budget to digital. The questions are: how much and to what? July 5, 2016, by Mark Gibson. (BAI Banking Strategies)
How Bankers Can Address Growing Budgeting Headaches
Budgeting at banks is a tricky balancing act that gets more challenging each year. June 8, 2016, by Jackie Stewart, featuring Claude Hanley. (American Banker)
Lessons from the Top-Performing Banks
High-performing banks still managed to deliver double-digit returns on equity capital last year. June 1, 2016, by Mary Beth Sullivan. (American Banker’s BankThink)
Why Midsize Banks Rule Right Now
Large enough to meet customer needs yet small enough to escape some of the Dodd-Frank Act’s most onerous compliance expenses, banks with assets of $2B to $10B are more profitable, as a group, than their smaller and larger counterparts. May 26, 2016, by Alan Kline, featuring Kevin Halsey. (American Banker)
The C-Suite-Savvy Marketing Plan
The Financial Brand Forum 2016, May 17, 2016.
Leadership Lessons from High Performing Banks
Pennsylvania Bankers Annual Convention, May 12, 2016.
Fighting the Talent Battle in Bank Marketing
Bank chief marketing officers need to be proactive in building teams that can operate effectively in today’s digital world. May 2016, by Mark Gibson.
Building a C-Suite Savvy Digital Marketing Plan
If financial marketers hope to get the resources and budgets they want, they must first build a digital marketing roadmap and get the the C-suite on board. May 3, 2016. (The Financial Brand)
Which Small Bank Has the Biggest ROAE?
CPG is proud to partner again with the American Banker to rank 2015’s Top Performing Banks. Part 1: Publicly traded banks and thrifts with less than $2 billion in assets. April 25, 2016. (American Banker)
Strategic & Long Term Capital Planning
Missouri Bankers Association Bank Finance & Accounting Forum, April 14, 2016.
Marketing ROI in Banking: A Big Black Hole?
How can anyone figure out how much should be spent on marketing if they can’t calculate ROI? Marketers have to run the numbers and do the math. April 11, 2016, by Mark Gibson. (The Financial Brand)
Utilizing Branch Network Insights to Generate Better Branch Goals, Marketing Strategies, and Sales
Pennsylvania Bankers Branch Transformation Conference, March 30, 2016.
The Marketing Divide: How CMOs and The C-Suite Must Connect
In the financial industry, there are major disconnects between CMOs and their peers at the executive table. How does everyone get on the same page? March 8, 2016, by Mark Gibson. (The Financial Brand)
Creating Relevancy in the Age of the Millennials
Pennsylvania Bankers Association Women in Banking Conference, March 7, 2016.
Getting Big Results with Small Data
Rather than devoting huge resources to unproven Big Data programs, most banks are better off utilizing Small Data analytics in 5 key categories, February 12, 2016, by Claude Hanley and Rolland Johannsen. (BAI Banking Strategies)
Achieving Top Tier Performance
Massachusetts Bankers Association CEO/Senior Management Workshop, January 28, 2016.
Top 10 Banking Trends for 2015
BAI Banking Strategies, January 12, 2016, by Jim Marous featuring Mary Beth Sullivan. (BAI Banking Strategies)
Getting The Most From Your Retail Network
NYBA Financial Services Forum. November 4, 2015, by Rolland Johannsen.
Translating Branch Network & Channel Insights into Actionable Marketing Strategies
American Banker – Banking Analytic Symposium. October 5, 2015, by Mary Beth Sullivan, Kevin Halsey, and Mark Gibson.
Comparative Analytics in Commercial Banking
As commercial banking becomes more important to institutional profitability, bankers need to develop comparative benchmarks in this area similar to those used in retail banking. August 21, 2015, by Claude Hanley. (BAI Banking Strategies)
Innovation: The Quest for Better Solutions and New Revenue Sources
Innovation – enabled by technology – is transforming everything, and some aspects of financial services are being seriously disrupted. St. Meyer & Hubbard Sales Executive Forum, July 28, 2015, by Mary Beth Sullivan.
What a Retail Bank is Really Worth
At a time when the traditional business unit accounting unfairly discounts the value of deposits, and thus of the retail franchise itself, banks need to rethink their evaluation of institutional profitability. July 20, 2015, by Rolland Johannsen. (BAI Banking Strategies)
Where Banks Need to Focus If They Want to Outperform
A comparison of high performing banks with their overall peer group highlights important themes that should inform executives as they develop strategic priorities. May 26, 2015, by Kevin Halsey. (American Banker BankThink)
Spotlight on the Best-Performing Banks
Articles and a slideshow of some key metrics of the best performing public and private banks with assets less than $2 billion. May 10, 2015. (American Banker)
What the Top 200 Publicly Traded Community Banks Do Better Than Peers
CPG ranks the top 200 publicly traded community banks of 2014. April 27, 2015, by Bonnie McGeer, featuring Kevin Halsey. (American Banker)
Community Bankers Cannot Be All Things To All People
SNL: Conference Chatter Blog, April 22, 2015, by Nathan Stovall, featuring Mary Beth Sullivan.
Optimizing Your Retail Network
Pennsylvania Bankers Association Branch Transformation Conference, March 31, 2015, by Mary Beth Sullivan.
Solving the Small Business Dilemma
BAI Banking Strategies, March 27, 2015, by Rolland Johannsen and Mary Beth Sullivan. (BAI Banking Strategies)
How to Design and Defend Tomorrow’s Retail Bank Distribution Strategy
American Banker/SourceMedia Retail Banking 2015, March 10, 2015, Tim Quinn panelist.
Community Banks Need Sleeker Approach to Small-Business Lending
American Bank’s BankThink, February 24, 2015, by Claude Hanley. (BankThink)
Webinar: Create the Plan, Set the Compass, Here We Go (Strategy and Marketing Planning and Execution in 2015)
St. Meyer and Hubbard’s Virtual Learning Lab, January 15, 2014, by Mary Beth Sullivan and Lance Kessler
Does Strategy Drive Execution? Or Does Execution Define Strategy?
St. Meyer and Hubbard’s Coaching the Conversation Newsletter, January 8, 2015, by Mary Beth Sullivan and Rolland Johannsen.

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607-899-1796

kchoksi@capitalperform.com

Kunal joined CPG as a Business Analyst in August of 2024. As a Business Analyst, Kunal assists in several client projects, including conducting market and competitive analysis, establishing optimal marketing spend and working with financial and peer reports to better offer strategic guidance to clients.

Prior to working with CPG, Kunal was a Business Consulting Intern for Ernst Young in Tysons, VA. There he utilized project management trackers to assist with the payment’s transformation of a major US bank. Prior to EY, Kunal was a Market Research Intern with Navy Federal Credit Union at their headquarters in Vienna, VA. Much of his research had to do with assessing the need for physical locations in a rapidly modernizing banking climate.

Kunal graduated from The University of Virginia in May 2024 with a BS in Finance and IT, and a BA in Economics.

mkschneider@mkinsights2action.com

Mary Kay is a highly accomplished and results-oriented financial services consultant with demonstrated success in small business, wealth and commercial credit sales, risk management, underwriting, M&A integration, quality assurance, employee and community engagement, and diversity/inclusion. She is a proven leader and effective communicator who develops and engages high-performing teams and builds relationships with a diverse range of internal and external partners and stakeholders. As a strategic thinker and innovative problem solver, she has a strong record of driving growth, increasing productivity, reducing costs, and managing risk.

Prior to working with CPG, Mary Kay served as Executive Vice President and Director of Industry Segmentation at PNC Bank where she founded a national team delivering sales enablement on six targeted industries to a 5000-member sales force spanning the U.S. to enable greater retention, expansion, and acquisition of small business relationships. Prior to that, she held leadership roles in commercial underwriting, credit and retail, wealth and business banking sales management.

Mary Kay received her undergraduate degree from Kent State University and has an MBA from Case Western Reserve University.

516-650-9711

Jcheris@capitalperform.com

With over 30 years of expertise in Business Intelligence, Data Analytics, and Digital Marketing, Jonathan Cheris has a proven track record of helping banks and financial institutions unlock the potential of their data to drive measurable results. Most recently, he led a regional bank’s BI team, overseeing analytics and reporting for $50B in deposits and loans across 2,000 colleagues. Under his guidance, the team delivered $30MM+ in annual value and optimized tools to improve system transitions and efficiencies.

A recognized industry visionary and former Qlik Luminary, Jonathan’s insights have helped shape leading analytics products, ensuring they meet the evolving needs of the banking sector. His trademarked concept, “Humanizing Business Intelligence,” encapsulates his commitment to simplifying complex data systems and turning them into accessible, actionable insights that drive business outcomes. Banks working with Jonathan gain not only an expert in analytics but also a strategic partner who deeply understands the challenges and opportunities within financial services.

In addition to his advisory work, Jonathan founded PieCart Analytics in 2024 to create innovative tools that support BI adoption and engagement. PieCart’s proprietary Usage360™ scoring algorithm and MyAnalytics™ storefront are designed to maximize BI ROI and ensure data systems are user-friendly and results-driven.

Whether advising banks or developing next-generation approaches to BI and Analytics, Jonathan’s focus is on transforming data into high-impact insights that deliver real value. His approach empowers financial institutions to enhance performance, adopt a data-driven culture, and drive strategic growth through data.

415-490-6463

cm@capitalperform.com

Christina Michelle (“CM”) is a Consulting Associate for Capital Performance Group and an experienced and innovative digital sales and marketing leader. CM specializes in content strategy, content marketing, digital and social media, content management systems, digital asset management, growth marketing, partnership development, and marketing operations.

Prior to contracting with CPG, CM lead operational risk management for First Republic Bank’s Marketing Division and served as the Manager of Content Operations for the Bank. She also held senior business development and marketing positions within NBC Universal, and operational roles at Patelco Credit Union and Kauai Community Federal Credit Union.

202-288-7146

ephipps@capitalperform.com

Ev’s responsibilities include managing the firm’s day-to-day activities and providing administrative support to staff through a variety of tasks related to client deliverables, organization and communication.

Ev provides administrative support by:

Supervising, coordinating and managing office operations.
Assisting the Partners with daily operations, coordinating schedules and making appointments as necessary, carrying out special requests or projects as requested and following through on activities in his/her absence.
Making travel arrangements for the Partners and preparing and submitting travel expense claims for them.
Coordinating and arranging for facilities, equipment, meals, refreshments, etc. for meetings, conferences, and interviews.
Setting up and maintaining effective filing system for proposals, client materials, project files, administrative and operational activities, and vendors.
Answering telephone inquiries regarding various subjects.
Proofing and editing correspondences, presentations, and client proposals.
Performs other tasks as assigned by the firm’s Partners.

jweller@capitalperform.com

Joy Weller is a digital marketing and branding strategist with more than 10 years’ experience at developing and executing innovative plans to drive organizational business goals. She specializes in digital marketing strategy and execution, social media strategy and management, content marketing, and strategic communications.

Joy has worked with brands across a variety of mediums including healthcare, utilities, insurance, and financial institutions, including BECU and Golden 1 Credit Union. She is skilled at evaluating and optimizing the customer lifecycle and specializes at developing and implementing strategies designed to drive successful and measurable outcomes for brands and clients.

646-303-3312

rjohannsen@capitalperform.com

Rolland Johannsen has almost 40 years of experience in the financial services industry, both as a senior executive and consultant. Rolland’s consulting work includes strategic planning, merger integration management, retail and small business banking, deposit strategies, and marketing.

Most recently, Rolland was the Executive Vice President of Retail Banking for First National Bank of Omaha, the largest privately held banking company in the United States, where he was responsible for all retail businesses and activities, including consumer banking, mortgage, small business, and marketing. He was also responsible for developing, building and managing FNBO Direct, the company’s nationwide online bank.

Prior to joining First National, Rolland was the Senior Vice President of Consumer Financial Services at JPMorgan Chase in New York. Prior to joining Chase, Rolland was a sought-after consultant to the financial services industry and President of Furash and Company, a Washington D.C. based consultancy specializing in developing actionable strategies for financial services companies. His consulting practice at Furash included providing strategic and tactical advisory services to a large number and broad range of community, regional, and global financial services companies, both within the United States and internationally. His international work included client engagements in Asia, Europe and South America. Additional industry experience included senior management positions at Old Kent Financial (currently Fifth Third) and Society Bank (currently KeyCorp).

508-322-8146

mark.gibson@capitalperform.com

Mark Gibson has been an innovator and strategic advisor to financial services executives for more than 30 years. Mark leads the Marketing Transformation practice at CPG and supports the focus on designing and implementing strategies for growth and improved profitability.

Mark works closely with Executive Management to help them craft business and customer strategies to achieve superior growth. This work includes strategic planning, customer segmentation, value proposition and product development, brand positioning, marketing and sales campaign integration, marketing spend optimization, and marketing strategy and program effectiveness. Mark’s experience is particularly relevant to enhancing deposit and household growth.

Mark is a thought leader on financial services branding, marketing and performance improvement. He often speaks on topics such as differentiation, marketing ROI, and best practices in U.S. financial services companies, and has recently spoken at both the ABA Bank Marketing Conference and The Financial Brand Forum. He is also a frequent contributor to ABABankMarketing.com and other industry publications.

tel:443-377-5194

sfiorino@capitalperform.com

Sammy Fiorino joins the team at Capital Performance Group as a Marketing Consultant and Project Manager. Sammy graduated from the University of Maryland in 2023 with a Bachelor of Arts in Economics. She brings a strong background in marketing, business development, and project management, with experience leading data-driven campaigns, streamlining operations, and optimizing marketing technology.

Sammy brings a proactive, detail-oriented approach to her work and is excited to support Capital Performance Group’s clients in achieving their marketing and strategy goals.

443-966-1889

emetzler@capitalperform.com

Emma is a Consultant and Project Manager for Capital Performance Group. She started as an Analyst with the firm in 2019 after graduating from the University of Maryland (UMD), where she received her B.S. in Finance and participated in a year-long fellowship in Global Consulting. Emma comes to CPG from previous work with Aerotek and various teaching assistant positions/programs within the business school and math departments at UMD.

In her time at CPG, Emma has worked on a variety of projects, including strategic market expansion, branch network optimization, product redesign, strategic plan development, marketing and voice-of-the-customer research, marketing compliance implementation, and creating and designing monthly risk events reports. She also has experience in providing implementation support of new processes and systems, including the use of a new loan origination system where she helped to facilitate project organization, user training, vendor management, documentation of procedures, and change management. Emma has also assisted in assessing the efficiency of a bank’s finance department where she helped to provide strategic recommendations related to the division’s processes and organizational structure. She has also assisted an institution with the review and restructuring of their contact center to improve their organizational efficiency and customer support. On a day-to-day, Emma supports client engagements by conducting research on industry movements, trends, and best practices, as well as analyzing market and company-level data to inform strategic recommendations to clients.

Emma is always ready to take on the next project at CPG, bringing an eye for analytics and problem solving along with her. She aims to work hard and help her team by staying organized, motivated, and efficient.

Emma is a resident to the Washington DC area, and enjoys weekends where she gets to explore the city and all of its hidden gems. Away from CPG, you can find Emma going to live music events with her friends, finding a new trail to hike, or experimenting with tasty new recipes that she finds on the web!

202-337-7870

esullivan@capitalperform.com

Eileen is responsible developing, implementing and executing strategic marketing plans in order to attract potential clients and retain and inform existing clients. She is also responsible for design, layout and production for a wide variety of assignments such as print collateral, client product deliverables, and web design and maintenance.

Eileen has more than 25 years of design, marketing and advertising experience. Before joining CPG, she worked as a freelance designer for firms ranging from advertising agencies, marketing communications firms and non-profit associations. Prior to that she was the New Media Director for Bloom & Mertz, Washington, DC and Art Director at Griffin & Company, Inc. She has also held art director positions with Ketchum Advertising, New York and Avance Design, New York.

Eileen is a graduate of the University of Maryland with a bachelor’s degree in Advertising and Design. She also holds a certificate in Interactive Multimedia/New Media from the George Washington University.

717-850-8811

canderson@capitalperform.com

Charlotte Anderson is a senior consulting associate with more than 30 years of results-driven leadership and operational experience in the banking industry in addition to being an Executive and Leadership coach. Charlotte held a variety of leadership and management positions most recently at Fulton Financial Corporation in Lancaster PA.

Charlotte uses her coaching skills within CPG to work with clients on executive and leadership development. Coaching services help support strategic planning goals and talent development for succession planning.

On the operational side, Charlotte and the CPG Team focus on helping banks and credit unions improve operational efficiency and the client experience. Charlotte works with leaders across the organization to assess, modify, develop, and implement strategies to simplify complex products and workflows through process optimization and digital transformation. Charlotte’s experience and work includes commercial, consumer and mortgage loan origination digital implementation, client experience onboarding enhancements, branch and back-office workflow and process optimization, branch and back office acquisition integration, cash management product and support simplification, and project management for strategic plan strategy implementation.

Charlotte can be reached via email or 717-471-8785.

301-300-7361

aakins@capitalperform.com

Ally Akins is a Principal at Capital Performance Group. Ally started as an Analyst with the firm in 2019 after graduating from the University of Maryland Smith School of Business with a double degree in Marketing and Government and Politics. Pre-CPG, Ally worked with nonprofits, the U.S. House of Representatives, and a variety of marketing and political consulting agencies in the DC area.

In her time at CPG, Ally has worked on and led a variety of projects, including strategic planning, product redesign, marketing campaign design, and risk management. She is one of CPG’s main consultants and project managers for the Marketing practice, assisting on projects relating to marketing strategy and planning, product redesign and performance marketing campaigns. Ally specializes in the high-level strategies needed for financial institutions to create powerful marketing results. Ally supports client engagements by conducting research on industry movements, trends, and best practices, analyzing market and company-level data to inform strategic recommendations to clients, and day-to-day project management.

Ally brings energy and an eye for innovation to projects at CPG. Always looking for optimizations in productivity and efficiency, Ally loves to help her team by staying organized, motivated, and ready for the next challenge.

Outside of work, you can find Ally running, swimming, or biking around the DC area.

703-861-8623

chanley@capitalperform.com

Claude is a founder and the Partner of Capital Performance Group. Claude and the CPG team focus on designing and implementing strategies for growth and improved profitability.

Claude leads CPG’s Financial Management and Regulatory Practice areas. In the practice area of financial management, he has worked with financial institutions of all sizes to improve financial performance measurement through the development and implementation of tools such as performance scorecards, profitability and forecasting models, and benchmarks. He has led efficiency audits, designed and conducted enterprise-wide efficiency programs, and conducted process redesign projects. Claude has extensive experience in valuing financial services businesses and has acted as an independent financial advisor to clients in transactions. In the regulatory practice area, Claude has advised clients about how to comply with regulations in the areas of credit risk management and safety and soundness.

He is a frequent contributor to leading industry trade publications including the RMA Journal and the American Banker and he has written on such topics as the appropriate role of the finance group in today’s bank, process redesign, keys to effective strategic planning, the viability of de novo banking, and competitive trends in the financial services industry. Claude is frequently quoted in the financial services press and has served on the faculty of the Stonier Graduate School of Banking. He is a member of the Financial Managers Society which is devoted exclusively to finance, accounting and auditing professionals from community banks, thrifts and credit unions.

202-422-5261

msullivan@capitalperform.com

Mary Beth Sullivan is the Managing Partner of Capital Performance Group. Mary Beth works closely with Executives and Directors on strategy engagements, helping them to address emerging trends, identify and build new revenue streams, and create efficient operating models to achieve targeted business and financial results. Mary Beth leads the CPG team to deliver Strategy, Marketing, Delivery, Risk, and Finance consulting engagements for banks, credit unions, financial technology companies, and vendors to the industry.

Mary Beth has more than 30 years of experience in banking; she began her career at JPMorgan Chase and has worked with hundreds of financial institutions across the country as an advisor to senior management. CPG partners each year with American Banker to assess industry performance, rank the Top Performing Banks, and analyze the factors driving high performance in the banking industry. Mary Beth has penned articles or been quoted in numerous industry publications including American Banker, ABA Banking Journal, BAI Banking Strategies, The RMA Journal, and LinkedIn. She is a frequent speaker at industry conferences on topics related to driving growth and sustained profitability in today’s changing financial services industry.