Common Cents Cash Management

Consulting & Training

Doing the RIGHT things, in the RIGHT ways, for the RIGHT reasons. Better – Faster – Smarter – Cheaper.

Now is the time to take action by contacting CCCM to set up a complimentary introductory meeting to find out how I can help.

Michael Kennedy, MBA

Certified Treasury Professional

As a banking and finance veteran of more than 25 years in the areas of retail, commercial and private banking, I have successfully managed the relationships of significant clients with individualized, high-touch and complex financial management needs.  By first taking the time to fully understand their current situation, goals and needs I have successfully developed strategies to achieve those goals and then deliver them in a manner well beyond their expectations. It is with this same level of attention to detail and a well-honed client services and process management skill set that I look forward to serving the needs of both business and financial institutions.

Business Consulting

Common Cents Cash Management provides bank-agnostic project-specific and/or ongoing engagement treasury management related consultation to small-to-mid size businesses to improve receivables and payables operating processes, reduce overall net bank fees and increase financial security and control. In today’s business market, you need to work with a proven financial professional you can trust and that you know has your best interest in mind. While your bank representative may really want to do the right thing for you, unfortunately they have inherent motivation and incentive to increase your product utilization and fee income, even when it may not be the very best solution. I am dedicated to providing the absolute finest service and expertise possible to my clients. Whether you are looking to reduce bank fees, use appropriate services, have more insight to you business and improve cash flow, I can help make your business management Better – Faster – Smarter – Cheaper. To aid you in your process, utilizing an independent third-party to do an individually tailored review and consultation offers a wealth of information about your business and its operation. At the end of the review process CCCM can either leave the results in your hands to take action with your financial institution on your own or can provide negotiation services to work through a restructuring or repricing process.

  • Bank Fee Management 
  • Pricing Negotiation
  • Billing Accuracy 
  • Product Utilization 
  • Account Structure design 
  • FinTech applications 
  • Working Capital Maximization 
  • Fraud Prevention – external and internal 
  • Segregation of Duties
  • Does Your Bank Fit Your Business
  • Fees: Project-based or Ongoing. Base and percentage participation of first year savings. Individualized based on scope, number of banks, accounts and periods reviewed.

Financial Services Training

Today financial institutions are being asked to “do more with less” to keep stakeholders happy. Unfortunately, most institutions don’t have the time or resources to make sure their associates are well versed in the quickly evolving product sets and ensure sales management methodologies that achieve goals; but more importantly create happy and loyal clients that result in being your biggest and most effective marketing advocate for additional business and referrals. Whether your training needs are for new or current associates and either for one or a group, Common Cents Cash Management creates individualized curriculum and learning structures to meet your specific needs.

  • Customized Training – Group or Individual sessions
  • Product Knowledge
  • Account Analysis Statements
  • Selling or Consulting 
  • Cost/Benefit Analysis 
  • Working Capital Management
  • Patriot Act Compliance and Review
  • Cross Business Partner Referral 
  • Lender or Relationship Manager

Looking forward to serving you soon!

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