Treasury Relationship Optimization
See your banking relationship the way your bank does.
MYD Consulting helps U.S. companies and nonprofits uncover avoidable treasury costs across fees, rates, rebates and card economics - then negotiates and monitors the results.
Independent
Performance-based
Ongoing monitoring
Built for CEO and CFO decision-makers, with Treasurer, Controller and VP Finance support.
Five sources of value
The opportunity
Banks price the whole relationship. Most companies review only the statement.
That information gap creates avoidable cost, hides negotiating leverage and obscures the true economics of the bank relationship.
What finance typically sees
The monthly statement
- Line-item prices
- Service volumes
- Monthly fees and credits
- Limited market context
What the bank uses to price the relationship
01
Operating balances and ECR
02
Payment and transaction volumes
03
Card economics and rebates
04
Investment balances and rates
05
Product mix and share of wallet
06
Strategic relationship value
MYD closes the gap and converts it into a bank-specific negotiating strategy.
Service scope
Five treasury categories consistently create measurable opportunity.
MYD compares the client's current economics with the post-negotiation cost, rate or rebate position.
01
Account analysis fees
Unit prices, service mix, billing accuracy, implementation errors and pricing consistency.
02
Earnings Credit Rate
ECR competitiveness, balance utilization, fee-offset efficiency and pricing floors.
03
Investment rates
Yield gaps, sweep and overnight alternatives, idle-liquidity economics and rate floors.
04
P-card rebates
Tier structure, spend qualification, rebate yield, settlement timing and program design.
05
Merchant card
Processor markup, interchange qualification, gateway costs, ancillary fees and contract terms.
Savings are measured against what the client pays today versus what the client pays after implementation.
Analysis model
Benchmarking alone misses half the opportunity.
A defensible recommendation connects contract terms, market position, operating structure and the economics of the full relationship.
Contract adherence
Are you billed exactly as agreed?
- Schedule-to-actual review
- Billing error detection
- Expired or missed concessions
Market position
Are rates and prices competitive?
- Peer and market ranges
- Scale- and volume-sensitive comparisons
- Bank- and product-specific context
Usage efficiency
Are you paying for the right structure?
- Dormant or overlapping services
- Balance and ECR efficiency
- Process, channel and timing choices
Relationship economics
Does pricing reflect the value you provide?
- Balances and treasury revenue
- Card and investment economics
- Share of wallet and strategic fit
Bank-specific opportunity
Technology
Treasury Crawler™ converts fragmented market data into negotiating intelligence.
MYD combines a proprietary treasury market-intelligence engine with CTP judgment and analyst validation.
Collect
Continually gathers relevant pricing, rate, rebate and market information.
Normalize
Aligns inconsistent terminology, service structures and pricing formats.
Analyze
Applies proprietary algorithms to identify outliers, gaps and negotiating ranges.
Validate
Analyst review confirms relevance before a client recommendation is released.
Technology accelerates the analysis. Proprietary algorithms and analyst validation determine what is usable.
MYD method
A four-phase process produces results with minimal client burden.
Preliminary savings findings are typically available within 2-3 weeks after complete statements are received.
Diagnose
Define scope, collect statements and establish the current-cost baseline.
Model
Benchmark and model fees, rates, rebates, balances and relationship economics.
Negotiate
MYD usually leads bank discussions, or works behind the scenes for sensitive relationships.
Monitor
Audit actual savings monthly, confirm pricing adherence and identify new leakage.
Minimal treasury lift
No required bank change
Client controls timing
Ongoing assurance
Commercial model
Compensation is tied to verified results.
There is no upfront fee. MYD earns a percentage of actual savings and audits the result monthly.
No savings, no fee.- 01Current baseline
Document what the client pays or earns today.
- 02Implemented economics
Confirm the negotiated cost, rate or rebate.
- 03Verified savings
Calculate the actual difference and validate it monthly.
- 04Performance fee
MYD bills the agreed percentage of verified savings.
Selected results
Selected engagements generated $4.84M in annual recurring savings.
Historical results demonstrate both the scale of the opportunity and the repeatability of the MYD approach.
Real estate investment trust$1.46M
National healthcare provider$1.28M
Nonprofit organization$1.10M
National restaurant chain$1.00M
15%-60%historical savings range
98%of engagements produce savings
2-3 weeksto preliminary findings
$1B+cumulative client savings tracked
Ideal client
The best fit is a U.S. organization with $100M+ in annual revenue and material treasury complexity.
MYD serves for-profit and nonprofit organizations across industries.
$100M+annual revenue
U.S.market focus
Strong-fit signals
- Multiple banks, entities or operating accounts
- Meaningful treasury, card or investment economics
- Substantial operating balances or ECR usage
- Lean treasury team with limited review capacity
- Upcoming bank review, renewal or pricing change
- Strategic bank relationships the client wants to preserve
Why MYD
Bank-side experience changes the quality of the ask.
MYD is senior-led, independent and built to translate data into bank-rational action.
"The goal is not to create friction. It is to give the bank a credible, relationship-aware reason to improve the economics."
CTPCertified Treasury Professional
20years of banking experience
12years of consulting experience
100+clients served over time
Senior-led engagement model
Jason Wallace, CTP, leads client strategy and bank negotiations, supported by a dedicated back-office team for analysis, audit and ongoing monitoring.
Fully independent
Client-paid only. No bank, processor or vendor commissions. No economic incentive to recommend an unnecessary provider change.
Frequently asked questions
What finance leaders usually want to know first.
The engagement is designed to minimize internal burden and preserve strategic bank relationships.
Download the full capabilities overviewDo we have to change banks?
No. MYD's default approach is to optimize the existing relationship. A provider change is considered only when economically and strategically justified.
How quickly will we see findings?
Preliminary savings findings are typically available within 2-3 weeks after MYD receives the complete statements and supporting information needed for the review.
How does MYD get paid?
There is no upfront fee. MYD earns an agreed percentage of actual, verified savings and audits the results monthly.
Who negotiates with the bank?
MYD leads bank negotiations in most engagements. When a relationship is particularly sensitive, MYD can work behind the scenes while the client leads the conversation.
What happens after pricing is implemented?
Ongoing monitoring is included. MYD verifies actual savings, checks billing accuracy and pricing adherence, and identifies newly emerging leakage.
What is included in the complimentary first review?
MYD confirms fit, reviews the relevant fee, rate and rebate categories, and identifies likely opportunity before a broader engagement begins.
Complimentary first step
Start with a complimentary Fee Analysis Review.
A focused review identifies likely pricing, rate and rebate opportunities before a broader engagement begins.
- 1Schedule an intro call
Confirm fit, categories, banks and timing.
- 2Provide recent statements
Share the relevant documents securely.
- 3Review preliminary findings
See potential savings in approximately 2-3 weeks.
Email directly
Jason.Wallace@MYD-Consulting.com