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Bradley Margol, Management Consulting Expert in Phoenix, AZ, United States
Bradley Margol

Management Consulting Expert in Phoenix, AZ, United States

Member since March 3, 2022
Bradley is a finance expert and a leader who understands the big picture and can balance strategic vision and thought leadership with practical execution. As a certified public accountant (CPA) with an MBA in international business, Bradley is highly-skilled in global strategy, corporate finance, business process improvement, and corporate development, having thorough experience in the credit card and payments industry.
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Career Highlights

Education

Select Certifications

Case studies

Expertise

  • Card Payments
  • Corporate Development
  • Corporate Finance
  • Credit Card Processing
  • Mergers & Acquisitions (M&A)
  • Prepaid Debit Cards
  • Strategic Planning
  • Strategy

Employment

  • Principal

    2015 - PRESENT
    Brad Margol Consulting LLC
    • Led payments initiatives for a $4-billion animal healthcare technology company, including negotiating a co-branded credit card deal and global payments facilitation.
    • Counseled private equity firms on fintech M&A opportunities and performed due diligence on a $700 million deal.
    • Restructured a debt purchasing and legal collections company, increasing profits by 275% in the first six months by enacting forensic accounting policies and providing litigation support.
    • Negotiated payment processing contracts for credit union’s debit and credit card programs of saving $10 million.
    • Created product and go-to-market strategies for three companies in the payments and fraud prevention space.
    • Worked with PwC, performing financial due diligence on M&A deals.
    • Acted as the interim CFO for a troubled $1-million auto repair company, optimizing cash flow and payments and valuing the company to be sold.
    • Managed litigation and expert witness support for a forensic accounting firm, valuing small businesses and determining asset allocation.
    • Recommended the mobile wallet payment option to a large hotel chain, which generated over $100 million in additional revenue.
    • Authored articles for trade publications such as the American Banker, Digital Transactions, and CFO Alliance.
    Focus areas: Mergers & Acquisitions (M&A), Expert Witness, Credit Card Processing, Card Payments, Mobile Payments, Payment Processing, Interim CFO, Strategy, Management Consulting, Project Management, Due Diligence, Writing & Editing, Intuit QuickBooks, Adobe Suite, Microsoft, Intralink, Caseware, Zoom, Business Analysis, Product Strategy, Credit/Debt, Banking & Finance, Digital Product Development

  • Senior Manager | Cards and Payments SME | M&A Lead

    2014 - 2015
    NTT Data
    • Developed the market segmentation and retention strategy resulting in a 20% increase in revenue for the top 10 card issuers.
    • Improved the timeframe for closing co-branded credit card portfolio acquisitions estimated at 40% by streamlining the due diligence and conversion process.
    • Turned around credit and debit card operations and decreased expenses by 30% for a top 10 bank.
    • Led cards and payments practice in the western U.S. and developed banking M&A practice.
    Focus areas: Mergers & Acquisitions (M&A), Credit Card Processing, Management Consulting, Strategy, Product Development, Microsoft, Finance, Business Analysis, Banking & Finance

  • Consulting Partner | Global Consulting Practice

    2011 - 2014
    Tata Consultancy Services
    • Increased the client portfolio revenue by 63% in the first year and 200% in the following years.
    • Developed and led the credit card workshop leading to multimillion-dollar projects via new lines of business.
    • Created and recommended a mobile wallet strategy for a top 10 bank.
    • Drafted a proposal for the largest merchant acquirer to consolidate authorization and settlement transactions onto one platform for executive approval.
    • Led the North America cards and payments strategy practice including the EMV migration initiative, increasing the merchant acceptance worldwide, strategic alliances, and innovation management seminars based on industry trends.
    Focus areas: Credit Card Processing, Business Development, Project Management, Client Presentations, Mobile Payments, Growth Strategy Consultants, Business Consulting, Microsoft, Finance, Business Analysis, Management Consulting, Financial Services, Banking & Finance, Digital Product Development

  • Financial Restructuring Group Executive

    2009 - 2011
    Houlihan Lokey
    • Saved the client over $30 million on a valuation case for a payment processing company to which I contributed as an expert witness.
    • Provided prospective financing vehicles for multibillion-dollar tax-refund anticipation loan programs.
    • Identified and analyzed distressed financial assets and loans in the portfolio sales and purchases.
    • Licensed with FINRA as a General Securities Registered Representative, Series 7 and 63.
    Focus areas: Financing, Debt Restructuring, Debt Raises, Investment Banking, Microsoft, Intralink, Finance, Business Analysis, Product Strategy, Financial Services, Banking & Finance

  • Vice President of Corporate Strategy

    2006 - 2007
    TSYS
    • Established the company’s mission, vision, values, and corporate goals. Devised growth strategies to propel and elevate revenues by 200% and product profitability by 15%.
    • Triggered $4 million per year in client savings by spearheading interchange rate analysis.
    • Valued four card processing M&A deals and negotiated letters of intent.
    • Priced and valued contracts for four of the company’s largest merchant acquirer clients (ISOs).
    • Worked with the technology group to improve new clients onboarding from weeks to days.
    Focus areas: Mergers & Acquisitions (M&A), Corporate Finance, Strategy, Strategic Planning & Execution, Strategic Initiatives, Credit Card Processing, Card Payments, Payment Gateways, Payment Processing, Payment Networks, Prepaid Debit Cards, Microsoft, Finance, Business Analysis, Product Strategy, Financial Services, Financial Modeling, Banking & Finance, Digital Product Development

  • Vice President of Corporate Development

    2005 - 2006
    JPMorgan Chase
    • Negotiated a $700 million sale of two underperforming credit card portfolios exceeding $70 million in profit. Strategically identified and closed a sale of $15 million in commitments on two venture fund investments.
    • Converted a $75 million secured card program, improving portfolio credit quality and saving $15 million.
    • Directed due diligence of a $6.4 billion acquisition, collaborating as a critical integration team member. Wone a team award for closing the acquisition in record time compared to 22 previous acquisitions.
    • Drafted pricing and terms on three partnership and co-branded deals and launched a gift card program.
    Focus areas: Mergers & Acquisitions (M&A), Corporate Finance, Corporate Development, Credit Card Processing, Product Development, Contract Negotiation, Price Negotiations, Microsoft, Intralink, Finance, Business Analysis, Product Strategy, Financial Services, Financial Modeling, Banking & Finance, Loans & Lending

  • Practice Director | Strategy

    2002 - 2004
    STRATIVA, INC.
    • Developed a proprietary predictive analytic model for the Bank of America. Identified a consumer segment worth $500 million. Led marketing campaign realizing 400% increase in response rates for new mortgages, credit cards, and checking accounts.
    • Ran a credit card marketing seminar for Visa in Hong Kong directed to Chinese banks, identifying best practices on most effective marketing campaigns.
    • Served as a member of the consumer marketing task force for the Bank of America.
    • Structured and devised the B2B strategy, consumer segment analysis, product development, project planning, and team development for clients.
    Focus areas: Strategy, Strategic Initiatives, Product Development, Credit Card Processing, Market Research, Microsoft, Finance, Business Analysis, Management Consulting, Product Strategy, Financial Services, Banking & Finance

  • Vice President

    1992 - 2001
    Bayshore Consulting, Inc.
    • Established and chaired a strategy roundtable with executives from 13 of the biggest credit card banks, examining key performance indicators and benchmarks.
    • Directed projects for Visa over 10+ years, including developing prepaid card products such as Visa Cash. Led and trained teams performing Visa functional cost studies used as industry benchmarks for all Bankcard operational and financial analyses.
    • Completed two acquisitions of over $100 million as an international telecom firm's CFO, ranking in number one on the Inc. 500 fastest-growing companies list. Created a pricing and commission strategy that enhanced profitability by 300%.
    • Raised $1 million through private placement for script development as the CFO of a motion picture production company.
    • Led a startup focused on internet search engine optimization to profitability within six months, acting as the company's CFO and head of strategy.
    Focus areas: Credit/Debt, Credit Risk, Card Payments, Prepaid Debit Cards, Gift Cards & Certificates, Credit Card Processing, Payment Networks, Payment Processing, Payment Gateways, CFO, Strategy, Strategic Initiatives, Strategic Planning, Accounting, Due Diligence, Activity-based Costing, Microsoft, Business Analysis, Management Consulting, Product Strategy, Financial Services, Banking & Finance

  • International Banking Officer

    1990 - 1991
    Sumitomo Mitsui Banking Corp
    • Managed a loans portfolio and grew it fourfold to over $400 million in 18 months.
    • Introduced motion picture financing to the bank and brought over $100 million in film deals and a sizeable multipicture deal with Disney.
    • Led the corporate restructuring and bankruptcy, including taking part in creditors' committees and preparing debtor-in-possession financing.
    Focus areas: Financing, Portfolio Analysis, Credit Risk, Bankruptcy, Finance, Business Analysis, Product Strategy, Financial Services, Banking & Finance, Loans & Lending

  • Senior Accountant | Certified Public Accountant (CPA)

    1985 - 1987
    EY
    • Gave expert testimony valuing bankruptcy claims of over $250 million for an infamous Ponzi scheme.
    • Took three entertainment companies public, raising over $1 billion in initial public offering (IPO) money.
    • Audited royalties for the entertainment guilds, screen actors, and directors.
    Focus areas: Bankruptcy, Auditing, Accounting, Due Diligence, Finance, Business Analysis, Credit/Debt

Education

  • Master of Business Administration (MBA) in International Business
    1987 - 1989
    UCLA Anderson School of Management - Los Angeles, CA, USA
  • Bachelor's Degree in Economics
    1981 - 1985
    University of California—Santa Barbara - Santa Barbara, CA, USA

Certifications

  • Series 63
    JUNE 2009 - JUNE 2013
    FINRA Organization
  • Series 7
    JUNE 2009 - JUNE 2013
    FINRA Organization
  • Certified Public Accountant (CPA)
    DECEMBER 1987 - PRESENT
    California Board of Accountancy

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