800-809-2307
Four Letters. Infinite Potential.
Inside or Outside? You Be the Judge

When it comes to analyzing and optimizing your bank or credit union’s non-interest income, revenue opportunities, organizational structure, contracts, processes, technology utilization and delivery channels, do you hire outside experts or make it an inside job? While you may initially lean toward tackling the project internally, it may be worth a second look at all the advantages a team of skilled consultants can offer your organization.


Read more
How to Prepare for (and Ace!) an Interview
How to Prepare for (and Ace!) an Interview
Tips for Recent Grads (Part 2)

Having studied Part 1 of our two-part series for recent graduates on how to ace an interview, you already know how important pre-interview research is, the best time to arrive, and how to present yourself in person or on the phone in order to make a great first impression. Read on for the intricacies of the interview itself.

Read more
Experience the Freedom of the Perfect Fit

When an executive-level job candidate is matched with the perfect position and employer, and vice versa, we start living in the moment. One eye is never looking for “the next best thing” because both parties have found exactly that in each other. Discover how the perfect fit can be so important—and so freeing—for you and your bank or credit union.

Read more
Tags:
Take a Vacation from Contract Negotiations
Delegating is a key ability of successful leaders everywhere. When it comes to contract negotiations, this is one task where delegating can result in huge savings for years to come. Instead of assigning this important undertaking to a busy employee, why not get a dedicated agent to work persistently, assertively, and skillfully on your behalf?

Read more
John M. Floyd & Associates Approved as a Registered CPE Sponsor

Continuing professional education credits available for attending JMFA Academy

PRESS RELEASE

HOUSTON, Texas, (July 7, 2017) – John M. Floyd & Associates (JMFA) – a leader in profitability and performance-improvement programs, and consulting services for banks and credit unions – announced today that it has been certified by the National Association of State Boards of Accountancy (NASBA) to be a sponsor of continuing professional education (CPE) through the JMFA Academy
Read more
What’s on your ‘overdraft program’ checklist?
Though a basic concept―helping an account holder overcome a checkbook oversight or emergency situation―overdraft programs involve several moving parts for your organization: notification, sign-up, and usage to name a few. Accordingly, having an implementation checklist can help you achieve compliance and avoid charges of deceptive practices. Read on to learn if your overdraft program is one that checks all the boxes for organizational and account holder success.

Read more
Does your overdraft program pass the UDAAP test?
Could you be at risk for a UDAAP violation? Our very own Cheryl Lawson, EVP-Compliance Review, is often invited to be a presenter at industry events for her compliance expertise.  Here are a few questions that you'll find useful when it comes to evaluating your overdraft program.

Read more
Does your credit union really have a member-centric culture?

Sometimes hard to measure―but always impactful―a credit union’s member-centric culture can be a key influencer on financial results. Read the five questions you should be asking to determine if your credit union’s culture is truly member-centricand the steps to take if it’s not. 

Read more
Secrets of Recruiting and Retention
Secrets of Recruiting and Retention

JMFA’s Executive Search Director, Kim Kreps, shares her experience working with a multi-generational workforce, addressing common workplace values, and attracting top talent in today’s ever-changing recruiting landscape. Discover some of the new expectations in today's workplace.

Read more
What makes a successful overdraft program?

When it comes to your overdraft program is it the best it can be for your account holders? Learn how JMFA OVERDRAFT PRIVILEGE® met one client's selection criteria and how JMFA’s consultants, training and program management strategies continue to support their service philosophy and performance goals.

Read more
Are your ATMs EMV-ready?

As consumers continue to enjoy more online and mobile options for completing transactions, ATMs remain a convenient way to access cash. But along with this convenience, your account holders expect safeguards to protect their personal information from potential fraud. If you haven’t yet upgraded your ATMs and debit cards to accept EMV technology, discover ways to keep costs under control and ways to offset the expenses and more.

Read more
Fairy Godmothers: Every account holder should have one

A financial institution that watches out for its account holders' best interests? That earns fairy Godmother status. When it comes to the fixed-versus-dynamic overdraft limit debate, it’s easy to see that the former provides peace of mind and predictability while the latter leads to confusion and headaches all around.

Read more
A new season is a time to change, update and grow

By Richard Miller, Executive Vice President


Changing seasons is often a time for making evaluations. Consider changing your overdraft program by including or enhancing a fully-disclosed model, which can benefit your account holders through authenticity, staff through clarity and the operations through profitability. By striving for transparency, your bank or credit union can transition its growth from occasional to perennial.

Read more
Matrix overdraft systems: more risk than reward?

By Richard Miller, Executive Vice President


Overdraft programs with dynamic limits can be short-sighted by placing profit over principle at unfair and consequential expense to account holders. Their undisclosed methods can lead to higher charge-offs and account holder turnover. In contrast, a fully-disclosed overdraft program promotes transparency and responsible use, providing your account holders with a financial safety net at an established price, one designed to solve a short-term liquidity situation with your account holders.

Read more
RSS
First3456789101112Last
100% 12 months 2020 2020 vision 40 years abusive abusiveness Academy account holder account holder retention account holder strategies account holder strategies; growth strategies; account holders accountability Achieve achievements Advancements Advice Agreement alerts analysis Analytics announcement ask the expert Assistance ATM ATMs Attendees attorneys attracting talent auto loans Automation B2B Balance Bank Bank of Pacific Banking banking services banks banks and credit unions batching Benefit best practices board governance board member board of directors Bob Layendecker bottom line branch equipment branch profitability branding Bryan Hanks budget budgets bundling business business culture business environment business practices business processes business strategies calendar career advice Career Goal CARES Act case studies Case Study CDC CEO CEO onboarding certainty CFPB Challenges change charitable Checklist Cher Cheryl Lawson Choose Chris Karstens claim clarity class action class-action lawsuit Classroom clients Cloud Cohron collections CommFirst Federal Credit Union commitment committed Communication communications communities community community banks Community Outreach Referral Program Competition Competitive Complaint Compliance compliance examinations compliance review compliance risks compliant condition conduct Conferences connection Consistency Consistent consultant Consultation consulting Consumer Consumer FInancial Protection Bureau consumer protection Consumer-focused Consumers Contingency Contingency Pricing contingency-based contingency-based fees Contract Contract Analysis Contract Negotiation contract negotiations contract negotiator Contract Optimizer Contract Renegotiations contract review contract staffing Contracts Convenience core processor contracts Cornerstone Credit Union League coronavirus corporate culture corporate governance costs Courtesy Pay COVID-19 CPE credits Credit Card credit card contracts credit card processing credit cards credit report Credit Union Credit Union Vendor Management credit unions crisis Crissandra Fry CSS culture customer customer experience customer service CUVM cyber security Damian Data Data Analytics database Deal debit debit card contracts Debt deceptive Decisions Demand Letters Department of Labor Deposit deposits Development Dick Miller digital directors Disclosed disclosures discounts Discussion Dodd-Frank Act dollars donation Donna Sumrall Dynamic economy Education efficiency studies election Email Emergencies Emergency employed employee employee retention employees EMV migration enforce enforcement Engagement Errors evaluation Evolve executive search Expectations Expense expense management expense reduction expenses Experience Expert expert negotiations expertise Experts expire Facilitators families FastTrack FDIC Federal Reserve Federal Reserve Board fee Feedback fees Financial Financial Institution financial institutions financial services financial stability Financial Worry FinTech Fixed limits Fixed-limit Floyd's Forum Forrester Free Analysis full disclosure Fully Fully Disclosed fully disclosed overdraft program funds Gen Z Generating Income generating leads generation Generation Z Gift global Goals governance government government agencies Grow Gym Halloween Hammond Happiness health hiring HKW Holiday Holidays Houston Area Food Bank Houston Livestock Show and Rodeo HR HR policies Hubur human capital human resources Implementation important Improved improved efficiencies improved results Inc. income income enhancement Industry information technology Innovate Innovative Institution interests internet banking services interview strategies interview tips IT contracts Jackson Jai Jai Darden James Jamone Moore Jan Southern Jennifer Peoples Jennifer Simmons Jim Griffis Jimmy Nguyen JMFA JMFA Academy JMFA clients JMFA News JMFA Next Generation Overdraft Privilege Joe Marsh John Cohron John M. Floyd John M. Floyd & Associates judicial justification Kelli Silvernale NCUA Kelly Flynn Kennedy knowledge law lawsuits Lawyer leaders leadership Learn Learning Legal legal risk legislative lending program Lesson leverage Limit Limits Literacy litigation litigators lives loans local Long Term Long-Term lost revenue Maggie Thompson Maintenance manage Managed management Mark Roe marketing marketplace Mary Soergel Matrix Matrix-based measurable measurable results meeting Member Members Midwest Region Millennial Millennials mindset minimalism minimalist Mississippi Missouri Mobile Banking Model monetary Money Morrison & Foerster Partner mortgages Most Valuable Provider NAFCU NCUA negative balance Negative Settlement Negotiate negotiating contracts negotiator Net Operating Analysis New Decade New Year New Year's Next Generation JMFA Overdraft Privilege NOA Non-Compliant non-disclosed Non-Interest Income NSF NSF fees Obrea Poindexter OCC Officer Oliver Ireland onboarding Online Opportunities Opportunity Opt-In organization Organizational Health Outcomes outsourcing Overdraft overdraft compliance overdraft coverage overdraft fees overdraft practices Overdraft Privilege overdraft privilege program overdraft program Overdraft programs overdraft protection programs Overdraft Protection Service overdraft service overdraft services overdraft strategy overdrafts overdrawn Overspending pandemic Partner partnership Paul McFarland paycheck emergency payday loans Payments Pennsylvania performance personnel physical distancing plan planning Plus4 Credit Union podcast policies Policy POS Positive Swipe practice practices Press Release Privilege Manager CRM proactive procedure process process improvement Processing product profitability Productivity Products Professional Profitability Improvement Program Program Management programs prohibited project staffing Promotions Proposals Provider providers PwC Quality quantity Reactive reality Recruitment Services recruitment strategies reduce expenses refer referral Reg E regional director regulation Regulation E regulations regulators regulatory relationship Relationships remote Renegotiate Renewal Reporting Reputation resolutions Resources Results Retail Retaining Employees Retention Retirement revenue revenue enhancement review Richard Miller risk risks ROI Ron Jennings Roy Roy Seifert Rules Ryan Armstrong Sales Salesforce Satisfaction savings Scrutiny secrets Security senate Senior Relationship Manager service service agreements service contracts service delivery Services Sessions settlement shareholders Sheila Bridges Shopping social distancing Social Events social media Software Solution solutions specialization Spending staff staff development staff spotlight staff training staffing staffing gaps staffing studies staffing study stakeholders standard Statistics stimulus payments Strategic Planning Strategies Strategy streamline Stressful succeed Success success factors Succession plan succession planning Support survey Susan Prell system talent team team members technology technology costs technology upgrades technology utilization temporary staff term Text Third-Party Expert third-party providers third-party vendor contracts third-party vendors threat three Tim Strandquist Time Tools Tracking Trainer training transaction Transparency Transparent Travel Treats trends Trey Martin Trust UDAAP uncertain times unemployment unfair updates Upgrades Value Variable Variable Limits Vendor vendor agreements vendor contract negotiations vendor contracts vendor management services vendor performance vendors video violation volunteer Walker Washington Washington Savings Bank webinar Webinars weeks Westmoreland Community FCU Whitney & Company Wish list women work Workshops YouTube