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Retail Banking
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Financial institutions today face unprecedented and challenging cost, competitive and regulatory pressures. Retail banks need to deliver efficiencies, smooth transactions, attentive service, and personalized advice. To retain customer loyalty, it isn't enough to provide quality customer service; you need to show that you are going the extra mile.
Based on over a decade of solid retail banking product expertise, our solutions drive standards, process integrity and measurability, providing efficient, cost-effective transaction processing, while streamlining systems to maximize growth and revenue.
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Origination and customer acquisition: targeted campaigns, new products, KYC/ form processing, customer referrals, account opening, inbound and outbound up-/ cross-sell programs, based on marketing initiatives.
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Branch services: documentation, helpdesk, servicing and reporting.
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Deposits, check and payment processing: automated clearing house (ACH), wire transfers, wholesale lockbox, scan/ mailrooms, check truncation, Check 21 integration, verifications, data entry/ documentation, Courtesy Amount and Legal Amount Recognition (CAR/ LAR), transaction processing and transmissions.
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Account servicing: rate, fees and charges; standing instructions and bill payments; recoveries, remittances, reconciliations, adjustments and exceptions; data management and analytics.
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Customer care: multichannel, multilingual CRM, escalation and help desk.
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Collections: retention-driven, or early out to late stage delinquency.
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Mortgages and loans.
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Cards solutions.
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Fraud prevention.
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IT services: domain-intensive capabilities in branch automation, mortgages and loans, cards, payments, check truncation; application/ information, 3rd party products and IT infrastructure management.
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Finance and accounting; procurement and sourcing.
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Minacs IT Services newsletter "Minacs@" for BFS professionals.
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Regulatory compliance: US Bank Secrecy, PATRIOT, Graham-Leach-Bliley (GLBA), Sarbanes-Oxley (SOX), Fair and Accurate Credit Transactions (FACTA) Acts, Do Not Call, KYC, AML, Credit Card Act of 2009, Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010.
2009, Dodd-Frank Wall Street Reform and
Consumer Protec on Act of 2010
Credit Card Act of
2009, Dodd-Frank Wall Street Reform and
Consumer Protec on Act of 2010
Credit Card Act of
2009, Dodd-Frank Wall Street Reform and
Consumer Protec on Act of 2010
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Standards: Basel II, Statement on Auditing Standards (SAS 70 Types I & II), Financial Crimes Enforcement Network (FinCEN), Visa Cardholder Information Security Program (CISP), MasterCard Site Data Protection (SDP) Program, COBIT, Six Sigma.
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Certifications: PCI DSS, ISO 9001/ 27001.
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The complexities of conducting global business are minimized by having a true partner who can not only meet the demands of your business, but also proactively identifies opportunities for improvement. Minacs is that partner for our bank. |
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President; US bank
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