Brad Downs

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cost reduction & revenue enhancement strategies for banks credit unions manufacturers retailers digital banking revenue enhancement rfp management core processing artificial intelligence mergers acquisition financial institutions contract negotiation vendor management consulting strategic planning technology implementation consumer payments commercial payments vendor sourcing business consulting & services payments advisory credit & debit cards fraud prevention instant payments market entry strategies product development service development strategic sourcing vendor negotiation rfp support mergers & acquisitions business growth compliance & risk digital transformation organizational design change management policy development research & analytics technology integration core processing platforms crm implementation digital banking solutions financial institutions consulting payment optimization contract lifecycle market positioning competitive analysis financial strategy operational efficiency data-driven insights technological innovation client performance strategic partnerships financial services consulting process improvement vendor audit technical project management business process modernization financial metrics tracking risk mitigation client-centric solutions analytics & insights consulting technology strategy client value delivery information technology & services management consulting