Expert Cash Management Consultants

With over a decade of experience in SEO, digital strategy and cross-department operations, I specialise in helping growing companies streamline processes, strengthen performance and scale sustainably. My background spans almost every operational function, including underwriting, collections, complaints, finance, systems development, marketing and content. This hands-on experience gives me a deep understanding of how each department works, where inefficiencies appear and how to build solutions that improve output and employee experience. Previously, as SEO Manager, I led an in-house team, owned strategy and execution, solved complex technical SEO challenges and drove long-term organic growth across multiple brands. I also managed social media and affiliate marketing strategies for non-profit campaigns, developing content systems that improved reach and engagement. Today, I focus on business optimisation by analysing workflows, improving cross-team collaboration and driving operational clarity. I am passionate about creating processes that make people’s work easier and aligning teams around smarter, more efficient ways of working. Open to connecting with professionals in SEO, digital strategy, operations and business optimisation.

Stepan Kazaryan is a Business Management Consultant focused on digital presence, professional evaluation, and how public information shapes decision-making in modern business environments. His work centers on helping organizations and professionals understand how they are perceived before direct interaction occurs. In search-driven systems, evaluation often happens silently and quickly. Stepan advises clients on building structured digital foundations that support credibility over time. His approach emphasizes clarity, consistency, and responsible positioning rather than short-term visibility tactics. He works with executives, founders, and professional service providers who recognize that digital footprints influence trust, partnerships, and opportunity flow. By aligning websites, public profiles, and third-party references, Stepan helps create stable professional narratives that reduce uncertainty during evaluation. Rather than focusing on reactive measures, his advisory framework prioritizes preparation. This includes analyzing how search results present a name, how information connects across platforms, and how inconsistencies affect perception. The goal is to strengthen long-term positioning in a way that feels natural and sustainable. Stepan frequently writes and speaks about digital identity, credibility signals, and the structural factors that influence professional trust in online environments. His perspective reflects a broader shift in how professionals are assessed in the age of search and public information accessibility. Through disciplined strategy and steady execution, Stepan Kazaryan helps clients maintain clarity in environments where perception often forms before conversation begins.

Payments expert. Previously worked for a multinational payments consultancy but in 2025 left to form new firm focussing on UK merchants. Wide understanding of payments in US, UK and Europe - from a commercial (i.e. not technical) aspect. Costs, interchange fees, scheme fees, acquiring/processing fees, market trends. Have previously contributed to building a business which had a nine-figure PE investment.

Cash Flow Mike, also known as Mike Milan, is a cash flow strategist, entrepreneur, author, and educator who helps accountants, bookkeepers, advisors, and business owners turn financial confusion into confident decision-making. He built 14 companies, earned an MBA from Baylor University, and developed the Clear Path To Cash framework to help businesses find hidden cash, improve profitability, strengthen valuation, and lead better financial conversations. His work stands out because it is conversation-first and built for real advisory moments, not theory, hype, or generic reporting. Through his books, training, app, and live teaching, Mike equips professionals with practical systems that help them know what to do next when the numbers get real.

𝗜 𝗹𝗲𝗮𝗱 𝗰𝗼𝗺𝗽𝗹𝗲𝘅 𝗘𝗣/𝗘𝗣𝗖 𝗽𝗿𝗼𝗷𝗲𝗰𝘁𝘀 𝗯𝗮𝗰𝗸 𝗶𝗻𝘁𝗼 𝗰𝗼𝗻𝘁𝗿𝗼𝗹 𝘄𝗵𝗲𝗻 𝗼𝘂𝘁𝗰𝗼𝗺𝗲𝘀 𝗺𝗮𝘁𝘁𝗲𝗿. I’m a senior 𝗘𝗣/𝗘𝗣𝗖 𝗽𝗿𝗼𝗷𝗲𝗰𝘁 𝗱𝗲𝗹𝗶𝘃𝗲𝗿𝘆 𝗮𝗻𝗱 𝗽𝗼𝗿𝘁𝗳𝗼𝗹𝗶𝗼 𝗹𝗲𝗮𝗱𝗲𝗿 with 20+ years across 𝗰𝗲𝗺𝗲𝗻𝘁 𝗮𝗻𝗱 𝗼𝗶𝗹 & 𝗴𝗮𝘀, accountable for 𝗲𝗻𝗱-𝘁𝗼-𝗲𝗻𝗱 𝗲𝘅𝗲𝗰𝘂𝘁𝗶𝗼𝗻 — from sanctioning and planning through delivery, commissioning, and close-out. I’m trusted where execution discipline has eroded: • Governance is weak • Risk is poorly understood • Schedules drift, costs escalate, and confidence is gone I specialize in 𝗿𝗲𝘀𝘁𝗼𝗿𝗶𝗻𝗴 𝗰𝗼𝗻𝘁𝗿𝗼𝗹, embedding 𝗿𝗼𝗯𝘂𝘀𝘁 𝗴𝗼𝘃𝗲𝗿𝗻𝗮𝗻𝗰𝗲, and creating the 𝗰𝗹𝗮𝗿𝗶𝘁𝘆 𝗹𝗲𝗮𝗱𝗲𝗿𝘀 need to deliver predictable outcomes across complex capital programs. Known for → Turning drifting portfolios into controlled performers → Designing governance that sharpens decision-making → Improving risk visibility, commercial outcomes, and financial performance → Leading PMOs through reset, recovery, and stabilization Impact highlights: • Portfolio risk reduction and execution stabilization • Accelerated delivery and shortened cycles • Multimillion-dollar improvements in cash flow, claims recovery, and profitability This isn’t theory. It’s 𝗮𝗰𝗰𝗼𝘂𝗻𝘁𝗮𝗯𝗶𝗹𝗶𝘁𝘆 𝗮𝘁 𝘀𝗰𝗮𝗹𝗲. How I work I operate at the intersection of 𝗲𝘅𝗲𝗰𝘂𝘁𝗶𝗼𝗻 𝗱𝗶𝘀𝗰𝗶𝗽𝗹𝗶𝗻𝗲 • 𝗰𝗼𝗺𝗺𝗲𝗿𝗰𝗶𝗮𝗹 𝘀𝘁𝗿𝗮𝘁𝗲𝗴𝘆 • 𝗹𝗲𝗮𝗱𝗲𝗿𝘀𝗵𝗶𝗽 𝘂𝗻𝗱𝗲𝗿 𝗽𝗿𝗲𝘀𝘀𝘂𝗿𝗲, bringing clarity where there’s noise, structure where there’s ambiguity, and control where confidence is lost — without slowing the business. While I take 𝘀𝗲𝗹𝗲𝗰𝘁 𝗮𝗱𝘃𝗶𝘀𝗼𝗿𝘆 𝗮𝗻𝗱 𝗰𝗼𝗻𝘀𝘂𝗹𝘁𝗶𝗻𝗴 𝗲𝗻𝗴𝗮𝗴𝗲𝗺𝗲𝗻𝘁𝘀, my primary focus is 𝘀𝗲𝗻𝗶𝗼𝗿 𝗹𝗲𝗮𝗱𝗲𝗿𝘀𝗵𝗶𝗽 𝗼𝗿 𝗶𝗻𝘁𝗲𝗿𝗶𝗺 𝗲𝘅𝗲𝗰𝘂𝘁𝗶𝘃𝗲 𝗿𝗼𝗹𝗲𝘀 with direct accountability for EP/EPC execution, governance, and outcomes. Current focus • Senior project delivery or execution leadership • Portfolio / PMO leadership • Turnaround and recovery mandates • Consulting engagements requiring execution accountability Focus areas: EPC project delivery • Portfolio governance • PMO leadership • Project turnaround & recovery • Claims & commercial strategy 👉 𝗦𝘂𝗯𝘀𝗰𝗿𝗶𝗯𝗲 𝘁𝗼 𝗺𝘆 𝗯𝗹𝗼𝗴: https://projifi.blog/ 📩 𝗖𝗼𝗻𝘀𝘂𝗹𝘁𝗶𝗻𝗴, 𝗮𝗱𝘃𝗶𝘀𝗼𝗿𝘆, 𝗼𝗿 𝗰𝗼𝗮𝗰𝗵𝗶𝗻𝗴: projifiinsights@gmail.com or LinkedIn DM 🤝 Senior leadership opportunities: Open to confidential conversations 👇 Follow for real-world insights on execution discipline, governance, and capital project leadership.

I am an Institutional Debt Market Architect with more than 17 years of experience designing the valuation, liquidity, and recovery protocols that banks, credit unions, fintech lenders, and private credit funds rely on to make high-stakes decisions. I’ve advised on, analyzed, or helped broker over $100 billion in performing and non-performing receivables across consumer, commercial, auto, BNPL, mortgage, and specialty finance asset classes. My work sits at the intersection of portfolio valuation, lending risk, distressed-asset strategy, and AI-driven recovery intelligence. I help institutions understand the true condition of their receivables, uncover hidden risk, and translate complex credit dynamics into clear, actionable decisions. When lenders need to determine whether to hold, recover, restructure, or sell an asset, I’m the person they call. As Director of Portfolio Liquidity & Asset Disposition at Fitzgerald Advisors, I architect and execute loan-sale strategies, oversee due diligence, and structure NPL and charged-off debt transactions that maximize proceeds while maintaining regulatory integrity. I also build the technology that powers modern receivables strategy. I created Debt Catalyst, an AI-driven valuation and liquidation-curve engine used by professional debt buyers and investors. I developed Bank Watch Pro, a real-time intelligence platform that interprets FDIC and NCUA call-report data to identify institutional credit risk, NPL trends, charge-off exposure, and early-warning indicators. Across my ventures, I focus on one mission: turning distressed receivables, delinquency, and charge-offs into liquidity, clarity, and competitive advantage for financial institutions. I provide expert commentary on: Distressed portfolio valuation & credit-risk analysis NPL and charged-off debt sales Fintech lending trends & BNPL credit performance Bank & credit union financial health (FDIC/NCUA analytics) AI in collections, segmentation, and liquidation modeling Regulatory and compliance implications in debt markets I don’t follow the debt markets — I architect them. And I use that experience to help lenders, investors, and agencies make smarter, faster, and more profitable decisions.

I'm a specialist commercial finance broker with 16 years of experience helping Australian business owners access commercial property finance. As founder of Smart Business Plans, I've overseen $550 million in commercial finance across more than 3,300 clients, with a 92% approval rate working across a panel of 60+ specialist lenders. My expertise sits at the intersection of commercial property, business finance, and wealth strategy — particularly for small to medium business owners looking to buy their own premises, invest through their SMSF, or fund development projects. I work exclusively in the commercial space, which means I specialise where the major banks often can't or won't go. I'm also the author of The Premise Effect (2026), which makes the case for why Australian business owners are leaving millions on the table by renting rather than owning their business premises. I'm available to comment on: commercial property finance, SMSF borrowing, business lending, commercial mortgage rates, Australian property market trends, and small business wealth building.

I’m Ben Rose, Founder and CEO of CashbackHQ (https://cashbackhq.com). CashbackHQ is a cashback comparison portal that monitors tens of thousands of cashback offers across dozens of websites. Our platform makes cashback and rewards programs simpler, more transparent, and genuinely valuable for purchase-minded shoppers. My perspectives on cashback strategies, consumer spending habits, side hustles, and personal finance have been featured on outlets like Investing.com, Marketing Magazine, USANews, and more. I'm happy to help supply reporters with both industry trends and how people can earn, save, and spend most effectively to hit their financial goals. Topics I’ve covered range from the psychology of purchasing decisions to the operational mechanics of running coupon- and cashback-related products. I always focus on providing advice that is rooted in data. Today, CashbackHQ serves thousands of users, collectively helping them retain millions of dollars each year. Under my leadership, the platform has grown into a trusted resource for consumers seeking to maximize rewards while avoiding the pitfalls common in the industry. In addition to running the business, I’ve developed expertise in affiliate marketing, SEO, customer acquisition, and digital product development — all with the goal of making complex financial tools feel straightforward and accessible. Before launching the company, I held senior roles in growth, user acquisition, biz dev, and partnerships within fintech, apps, and e-commerce.

With over 24 years of hands-on experience in trade finance and banking, I help businesses navigate the complexities of International Trade with confidence. My expertise covers the full spectrum of Letters of Credit (LCs)—including Documentary Credits, Usance LCs, Back-to-Back LCs, and Standby LCs—ensuring every transaction is smooth, compliant, and risk-mitigated. I work closely with exporters, importers, banks, and logistics providers to bridge gaps and streamline cross-border deals. My knowledge spans Finance, Accounting, Banking, UCP 600, ISBP 821, Incoterms 2020, and the latest in Trade Finance—from blockchain-enabled LCs to electronic documentation platforms. Over the years, I’ve guided exporters, importers, SMEs, and entrepreneurs as they expand into international markets. Whether you’re already trading globally or just starting your export journey, my goal is to provide expert guidance and practical tools to help you reduce risks and seize opportunities in global trade. Trade Finance & LC Risk Specialist | UCP 600 Practitioner AVP & Operations Manager with 24+ years in banking. Publishes practical insights on documentary credits, discrepancy risk, and LC operations. Available on: 🌐 Inco-Terms Blog: https://inco-terms.blogspot.com/ 🔵 Medium: https://medium.com/@kstanvir

CA Prateek Mittal is a seasoned financial expert and IBBI Registered Valuer with over two decades of experience in business valuations, corporate finance, and strategic advisory. As the Director of Valuations at [FinVal Research & Consultancy](https://finvalresearch.in), he specializes in delivering high-authority compliance and advisory solutions, including ESOP valuations, corporate guarantee valuations, and startup advisory. A thought leader in the evolving corporate landscape, Prateek frequently publishes insights on cutting-edge industry shifts, from integrating AI and Big Data into valuation practices to navigating ESG compliance risks and supply chain crises. Alongside his valuation expertise, he serves as a Virtual CFO, helping businesses optimize their financial strategies, secure fundraising mandates, and drive operational efficiencies. --- ### Key Media Angles & Topics I Can Comment On: * Regulatory & Compliance Valuations: Deep dives into ESOPs, Corporate Guarantees, and international accounting standards. * The Intersection of Finance & Tech: How AI, big data, and automated tools are transforming modern valuation models. * Startup Ecosystem & Fundraising: Strategic structuring, mid-market growth challenges, and investment readiness. * Risk Management: Evaluating ESG compliance risks and implementing Virtual CFO frameworks during economic volatility.

The gap between a "High-Integrity Mission" and "Global Consensus" is often a failure of translation. Many global impact organizations do incredible work but struggle to communicate their mission with the strategic precision required to secure institutional alignment and close the distance between policy and action. I exist to close that gap. As the Principal Consultant for Openedway, I lead a specialized practice that helps organizations engineer strategic influence. I do not just share messages; I translate complex institutional science and policy into "High-Trust Narratives" that drive development, global security, and long-term human well-being. With a background in Global Management, I ensure that every narrative is architected to support the weight of a global mission. How I Serve My Partners; * Strategic Advocacy: Converting complex data and technical policy into clear, persuasive narratives that secure high-level stakeholder consensus. * Visual Strategy: Deploying value-aligned identity systems that build the instant institutional credibility needed for high-stakes environments. * Institutional Media: Engineering impact-focused narratives that visualize proof of impact and mobilize global stakeholders toward a shared "Yes." * Sonic Architecture: Utilizing emotion-centered sound design to shift atmospheric resonance, ensuring the room is prepared to support the gravity of the mission. Why Global Partners Choose Openedway; * The Translation: I bridge the "Translation Gap," moving missions from technical jargon to accessible, authoritative public mandates. * The Diagnosis: I identify strategic friction and operational gaps that prevent consensus, creating clear pathways for institutional buy-in. * The Mobilization: I use data-driven branding to project Institutional Gravity, ensuring your mission is perceived as a global necessity. Personal Ethos; * Integrity & Faith: Driven by unwavering faith and a commitment to transparent, ethical leadership in every mission. * Global Unity: A belief that beneath our vast diversity, all humans are bound by a shared essence. * Sonic Purpose: Utilizing music and sound as a strategic tool to align emotion with purpose and drive collective action. If you ready for true transformation that closes barriers to consensus, let’s build. nkireblessing01@gmail.com

Developer and online consultant for several reputed companies.

David Sapper is a U.S.-based entrepreneur, small business consultant, and merchant services strategist specializing in payment processing economics, profit optimization, and scalable consulting models for small and mid-sized businesses. He is the founder of BlueFinch Advisors, a consulting and merchant services firm focused on helping business owners reduce hidden costs, increase margins, and build more resilient businesses. David’s work centers on a core but often misunderstood issue in small business: payment processing. Most small businesses operate on net margins of roughly 7–12%, yet common default processors—such as Square, Stripe, and bank-issued merchant accounts—typically charge 3–4% of gross revenue. In practice, this means payment processing alone can consume 30–50% of a business’s actual profit. David helps business owners understand this math clearly and implement compliant strategies, including surcharge and cash-discount models, to dramatically reduce or eliminate processing costs. Through BlueFinch Advisors, David works primarily with card-heavy and service-based industries such as auto repair, med spas, aesthetics clinics, specialty services, and other growth-oriented small businesses. His approach goes beyond rate comparisons. He treats payments as part of a larger profitability system that includes pricing structure, checkout friction, customer behavior, and operational efficiency. David is known for a consulting-first model that aligns incentives between advisor and client. Rather than charging retainers, his firm provides ongoing business consulting, audits, competitive analysis, and access to a proprietary performance dashboard as part of the payment processing relationship. This structure allows David to focus on long-term business growth rather than short-term transactional wins. With a background spanning entrepreneurship, operations, and systems design, David is frequently consulted on topics such as small business profitability, payment processing strategy, surcharge compliance, cost reduction, and scalable advisory models. His work emphasizes transparency, practical execution, and measurable outcomes—helping business owners keep more of what they earn while building businesses that can scale responsibly.

Retired OCC National Bank Examiner 31 years examining Large Commercial Banks. Retired in June 2024. Currently work as Independent Bank Consultant advising large and international banks on curreny regulatory matters and financial crime.

I work as a Growth Consultant at GrantBite, a funding search platform focused on simplifying how people discover and access financial opportunities. My work centers on driving digital growth through experimentation, performance marketing, funnel optimization, user engagement, and product-led strategies. I collaborate with cross-functional teams to identify growth levers, improve user journeys, and scale acquisition in a sustainable way. With a strong interest in data, behavioral insights, and scalable growth systems, I enjoy turning complex platforms into intuitive digital experiences that grow through impact, not hype.

Steven Leitman is Managing Partner of Consulting Resource Group (CRG), a payments consulting and platform firm that helps issuers, acquirers, and BIN sponsors improve profitability through network (scheme) fee optimization, interchange economics, and disciplined cost governance. CRG's Payment Economics practice (CardTraq) includes a suite of platforms designed to manage Visa and Mastercard network fees, interchange performance, and ongoing network rule changes. CRG works with some of the largest global issuers and acquirers. His work focuses on the economics beneath card programs: Visa and Mastercard network (scheme) fees, pricing structures, interchange qualification, and the hidden cost drivers that materially impact P&L. A core theme is making network compliance measurable and continuous, with data structures, governance models, and platforms that provide ongoing visibility into compliance-driven cost, risk, and fee leakage rather than relying on one-off interpretation exercises. Steven brings hands-on experience from senior roles at Visa, American Express, and Deloitte Strategy. He publishes regularly on LinkedIn on Visa and Mastercard fee changes, interchange reform, and network compliance. https://www.linkedin.com/in/steven-leitman/

I founded Commercial Funding Partners in 2012 with a clear mission: build a performing portfolio of customers who return because we treat them right and help them grow responsibly. After six years at a competitor and seeing how customers were often handled at deal end, I knew there was a better way to do business in commercial equipment finance. We’re a national direct lender with capacity from $250,000 to over $100 million per project, serving manufacturers, contractors, healthcare providers, transportation companies, and others across the U.S. What sets us apart is speed paired with judgment. Our small, senior-level finance committee allows us to make decisions quickly—often the same day—and months faster than SBA processes, where time value often outweighs minor rate differences. We listen to the story behind the balance sheet and underwrite context, not just numbers. We structure real-world solutions through progress funding, 100% project financing, sale-leasebacks, and tax-aware terms that banks often can’t provide. We don’t do deals we wouldn’t sign ourselves. Over 40% of our business comes from repeat clients, many with long-standing relationships that improve with each transaction. I’m active in industry leadership with ELFA, NEFA, and AACFB, where I chaired the Education Committee for four years and received the President’s Award. Before CFP, I worked at IBM and helped manage and grow Plumbers Supply Company through its acquisition by Wolseley. I hold a BS from the University of Utah and an MBA from Westminster College. Our goal is simple: be the first call for our customers and help great businesses grow smarter and faster.

I work with Dubai-based NRI founders and UAE-registered companies setting up India back-office operations at Covai Tech Park, Coimbatore. In 8+ years, we have served 550+ clients including Dubai-origin startups and GCC businesses. A 10-person Coimbatore team costs what 1-2 Dubai employees cost — with only a 1.5-hour time zone gap. Expertise: coworking space, India operations, UAE-India business setup, back-office strategy, workspace cost optimization.

Marketing strategist, consultant and speaker with a proven background in organic marketing, social media, brand management, SEO, content marketing, e-commerce and social media. I’ve worked on projects for Retail Council of Canada, Oxford Properties, West Edmonton Mall (Triple Five Worldwide), Tiffany & Co., LUSH Cosmetics, LoyaltyOne, Victoria's Secret, Freson Bros and others. With excellent reviews from B2C and B2B companies, technology and SaaS companies in premium/high ticket markets, with a Bachelor of Commerce (B.Comm) majoring in Marketing, a Certificate in Real Estate (Commercial), and a Certificate in Leadership. My insights are posted on the NASDAQ, The Sun (USA), US Chamber of Commerce, CTV News (Canada), Shopify, NTD TV (China), Entrepreneur, Retail News Asia (China) Yahoo Finance, Bustle, CBC Radio (Canada), CVM Radio (Caribbean), Voyage LA, Shoutout LA, The Gleaner (Jamaica), SHEEN Magazine, Seaside Retailer, Google News, Retail Insider (Canada), California Apparel News, Betches, Best Life, GoBanking, Industry Rules and more. Let's connect!

I’m Bibin Basil, a marketing strategist with over a decade of experience in digital marketing, lead generation, and business growth. I currently work as the Marketing Manager at Best Solution Business Setup Consultancy in Dubai, where I help entrepreneurs and global companies launch and grow their businesses in the UAE. My expertise lies in creating data-driven marketing strategies, SEO content plans, and automation systems that drive results. I’ve built custom solutions using tools like Frappe , Bitrix24, ChatGPT, Google APIs, Perplexity and N8N to streamline lead generation, team productivity, and content marketing. I also lead the development of AI-powered tools that produce high-quality, intent-based content aligned with Google’s E-E-A-T and NLP standards. I’m deeply focused on building authority, ranking for high-intent keywords, and using automation to scale performance. My goal is to stay ahead of the curve, bring innovation into everyday marketing, and help Business to Grow in Dubai.