As Managing Director of Payment Advisory Services, Rick works closely with banks and corporations to drive revenue growth, improve efficiency, and optimize customer experience using Deluxe state-of-the-art technology and a new approach to data analytics. He has spent more than three decades in all aspects of the payments business in banking and consulting positions, with a special focus on customer engagement. Prior to joining Deluxe five years ago, Rick managed the Treasury Management (TM) business at a $125+ billion financial institution in Colorado, after successful TM sales and product development roles at some of the largest banks in the US.