Companies

Partner Advisors

About Us:

Founded in 2002, Partner Advisors is a highly focused financial services advisory company driving innovation in partnership programs, including cobranded, affinity, private label, and hybrid programs.   We are based in Wellesley, Massachusetts and develop programs on a national and international scale.

If your organization wants to offer card/payment, banking,… Read More

About Us:

Founded in 2002, Partner Advisors is a highly focused financial services advisory company driving innovation in partnership programs, including cobranded, affinity, private label, and hybrid programs.   We are based in Wellesley, Massachusetts and develop programs on a national and international scale.

If your organization wants to offer card/payment, banking, investment, or insurance programs to its end customers, we deliver the capabilities and expertise to create, market, and evolve breakthrough products leveraging third party banks, insurers, and investment companies.

We developed our process to focus on the larger strategic goals:

Define a financial services program strategy with unique solution packages for various segments within a consumer base and leveraging key marketing channels
Source best-in-class providers to offer the most comprehensive and well-suited products per target market
Structure the deal terms to align with overall partnership goals
Optimize program performance on an ongoing basis, develop and source new marketing channels, and continuously investigate new products.

Services:

We create highly customized financial services products for leading organizations on a cobranded or “white label” basis. We bring a unique combination of skills – strategic, financial, marketing, procurement, and legal – to create very valuable products and programs for a variety of organizations.

We offer the leading advisory practice in:

Banking:

  • Co-branded credit, debit, and prepaid cards
  • Checking/DDA accounts
  • CD/Money Market High Yield Programs
  • Mortgage and other lending products

Insurance:

  • Auto
  • Homeowners
  • Life

Savings and Investments:

  • Annuities
  • Wealth Management
  • Brokerage
  • Goal-based savings products

Philopsophy:

We bring two overriding perspectives that drive our business:

  • The end customer must be an active partner in developing successful financial product and services.  This requires a segmented, customer-driven approach vs. a product-centric one.
  • The programs we create must directly tie into our clients' broader corporate goals and drive measurable results against those goals.

Our experience has demonstrated that the most successful programs are defined by how well they serve these two perspectives.

Process:

There are two key aspects to our process:  First, we join your team and actually "do" the work versus provide commentary on what you should be doing.  Second, we use a proven process, unique to Partner Advisors, that ensures we create value:

  1. Define a strategy around the end customer segments and overriding corporate goals.
  2. With the strategy and goals as a guide, source providers.
  3. Using detailed terms, drive a contracting and closing process that eliminates surprises and directly supports the strategy.
  4. From launch onwards, continue to develop the program aggressively and not "wait" for a contract cycle to address evolving needs and opportunities.

Back To Results

Locations

Main Location

40 Grove St
Suite 435
Wellesley, MA 02482

Visit Website

Industry

Financial Services / Banking, Professional Services

Pre-paid / Rebate Programs

Partner Advisors works to define a strategy for your pre-paid card program and will then source the best-in-class providers per target market. PA will then structure the deal terms to align with overall partnership goals. Partner Advisors has worked on multiple projects, including the largest prepaid strategy and RFP in 2012. 

Partner Advisors works to define a strategy for your pre-paid card program and will then source the best-in-class providers per target market. PA will then structure the deal terms to align with overall partnership goals. Partner Advisors has worked on multiple projects, including the largest prepaid strategy and RFP in 2012. 

Benchmark

When was the last time you did a bottoms-up, detailed, cross-bank benchmarking of your program's performance? This discipline can lead to big insights, identify product and performance gaps and make your program work harder to achieve your company's broader strategic goals. It is the first step we complete with all of our clients at Partner Advisors. 

When was the last time you did a bottoms-up, detailed, cross-bank benchmarking of your program's performance? This discipline can lead to big insights, identify product and performance gaps and make your program work harder to achieve your company's broader strategic goals. It is the first step we complete with all of our clients at Partner Advisors. 

Full Service

Partner Advisors utilizes an original three phase advisory approach to define, structure and develop our clients’ programs. PA provides a unique comprehensive approach to maximize revenue for our clients. We produce well thought out, exceptionally detailed program strategy and RFP documents; specialize in financial modeling, optimize rewards programs, and will draft contract documents for you with the most… Read More

Partner Advisors utilizes an original three phase advisory approach to define, structure and develop our clients’ programs. PA provides a unique comprehensive approach to maximize revenue for our clients. We produce well thought out, exceptionally detailed program strategy and RFP documents; specialize in financial modeling, optimize rewards programs, and will draft contract documents for you with the most skilled in-house team in the business. We make it a priority to become a part of your team. 

Program evaluation

Partner Advisors offers a complimentary evaluation of your existing program which includes the following: Program performance review:  Quantitative performance benchmarking along key performance dimensions including penetration, activation, spend, and other metrics relative to other retail and non-retail cobrand credit cards.  Bank P&L: our estimate of the issuer’s P&L and commentary on key… Read More

Partner Advisors offers a complimentary evaluation of your existing program which includes the following:

Program performance review:  Quantitative performance benchmarking along key performance dimensions including penetration, activation, spend, and other metrics relative to other retail and non-retail cobrand credit cards.

 Bank P&L: our estimate of the issuer’s P&L and commentary on key drivers; discussion of alternative participation models to consider.  This is important to understand to hit valuation levers.

 Agreement review: identification of key strengths and weaknesses of the contracts with both issuer and payment network, with a focus on key areas of member value, your control over the program, financial terms, and exit/portfolio conveyance terms.

Lastly, we discuss a strategy going forward and provide a detailed workplan with the steps to get there. 

Consulting

There are two key aspects to our process:  First, we join your team and actually "do" the work versus provide commentary on what you should be doing.  Second, we use a proven process, unique to Partner Advisors, that ensures we create value: Define a strategy around the end customer segments and overriding corporate goals. With the strategy and… Read More

There are two key aspects to our process:  First, we join your team and actually "do" the work versus provide commentary on what you should be doing.  Second, we use a proven process, unique to Partner Advisors, that ensures we create value:

  1. Define a strategy around the end customer segments and overriding corporate goals.
  2. With the strategy and goals as a guide, source providers.
  3. Using detailed terms, drive a contracting and closing process that eliminates surprises and directly supports the strategy.
  4. From launch onwards, continue to develop the program aggressively and not "wait" for a contract cycle to address evolving needs and opportunities.

Credit

We offer to define a strategy for your credit card program and will then source the best-in-class providers per target market. We will then structure the deal terms to align with overall partnership goals.

We offer to define a strategy for your credit card program and will then source the best-in-class providers per target market. We will then structure the deal terms to align with overall partnership goals.

Prepaid

We offer to define a strategy for your pre-paid card program and will then source the best-in-class providers per target market. We will then structure the deal terms to align with overall partnership goals. 

We offer to define a strategy for your pre-paid card program and will then source the best-in-class providers per target market. We will then structure the deal terms to align with overall partnership goals. 

Brand development

Partner Advisors service offering includes a product and rewards strategy, loyalty program development, program benchmarking, and financial modeling which result in increased  penetration, increased engagement, and "front of wallet" usage to partners. 

Partner Advisors service offering includes a product and rewards strategy, loyalty program development, program benchmarking, and financial modeling which result in increased  penetration, increased engagement, and "front of wallet" usage to partners. 

Co-branded Card Program

Our partner base represents 3 million credit card holders with $15B in annual spend and over $325 million in annual partner compensation and rewards funding.  In aggregate, PA clients represent a marketing universe of over 140 million individuals.

Our partner base represents 3 million credit card holders with $15B in annual spend and over $325 million in annual partner compensation and rewards funding.  In aggregate, PA clients represent a marketing universe of over 140 million individuals.

Rewards

We focus on your reward program strategy and development and create a value proposition stratgy. Partner Advisors expertise lies in working with merchant funded rewards networks and discount programs. 

We focus on your reward program strategy and development and create a value proposition stratgy. Partner Advisors expertise lies in working with merchant funded rewards networks and discount programs. 

Initiatives

“Partner Advisors did an extraordinary job helping Caesars find the right partner and deal structure for the new Total Rewards co-brand credit card.  Their insight, professionalism and dedication to our strategic objectives have surpassed my already-high expectations.  I would be happy to speak with anyone considering Partner Advisors.” Caesars Entertainment, January 2013   52 Properties $8.8 billion in revenue 8.6… Read More

“Partner Advisors did an extraordinary job helping Caesars find the right partner and deal structure for the new Total Rewards co-brand credit card. 

Their insight, professionalism and dedication to our strategic objectives have surpassed my already-high expectations. 

I would be happy to speak with anyone considering Partner Advisors.”

Caesars Entertainment, January 2013

 

  • 52 Properties
  • $8.8 billion in revenue
  • 8.6 million active Total Rewards members (46 million total)
  • PA redesigned card program within industry leading loyalty “Total Rewards” program
  • PA moved program to a new issuer with 2013 launch date

“Partner Advisors (PA) proved to be a valuable partner for REI as we sought to understand the value of our co-brand portfolio.  It was really important for us to gain a market perspective of the co-brand landscape and how the REI portfolio benchmarked within that space.  The PA team demonstrated a broad knowledge base of the payments… Read More

“Partner Advisors (PA) proved to be a valuable partner for REI as we sought to understand the value of our co-brand portfolio.  It was really important for us to gain a market perspective of the co-brand landscape and how the REI portfolio benchmarked within that space. 

The PA team demonstrated a broad knowledge base of the payments industry and their approach was unique because they were very involved but they maintained their objectivity so that decisions were grounded in analytics and made without emotion. 

PA demonstrated competency in every area of the valuation process from financial modeling and legal compliance to portfolio management and strategic planning.”

REI, January 2013

  • 122 Stores
  • $1.8 billion in revenue
  • 4.7 million REI Cooperative members
  • PA led restructuring with US Bank via program redefinition and a comprehensive RFP process
  • PA continues to help REI restructure its core loyalty program

“Partner Advisors has remained a key member of the Ace Rewards team after the launch of the VISA cobrand program.  They provide critical program and product development leadership that we wouldn’t have had without them.  By combining their industry knowledge, understanding of Ace customers, Ace stores, and the industry we are in a better position… Read More

“Partner Advisors has remained a key member of the Ace Rewards team after the launch of the VISA cobrand program.  They provide critical program and product development leadership that we wouldn’t have had without them. 

By combining their industry knowledge, understanding of Ace customers, Ace stores, and the industry we are in a better position than if we managed the program by ourselves.”

Ace Hardware, January 2013

  • 4,500 Stores
  • $3.5 billion in revenue (corporate)
  • 20 million ACE Rewards members
  • PA designed, structured, and have grown the new ACE Rewards VISA card since its 2008 launch (US Bank)

Learn More About Us

Click here to learn more about us!   Read More

Understanding Customer Needs – Change is Hard

In my last article I discussed the credit card product.  This article focuses on understanding customer needs and how to learn more about their true needs as the foundation…Read More

It’s All About the Product

In my previous articles, I covered major trends in credit card cobrand profitability and how banks calculate the profitability of your credit card program as well as the key drivers…Read More

A Perspective on Rogers Communications Launching a Co-branded Credit Card Program

Launching a co-branded credit card program may not be a big deal in the U.S., but in Canada it’s a bit different especially when a non-bank –…Read More

A Perspective on Rogers Communications Launching a Co-branded Credit Card Program

Launching a co-branded credit card program may not be a big deal in the U.S., but in Canada it’s a bit different especially when a non-bank –…Read More

By the Numbers:  Cabela’s Cobrand Card and Loyalty Program

Cobrand credit card partners often ask about the profitability of their program to the bank, and if they are receiving a “fair” share, whatever that might be. These…Read More

Abracadabra: The Magic of Revenue Growth

In my previous articles, I covered some major trends in credit card cobrand profitability and how banks calculate the profitability of your credit card program.  In this article, I…Read More

Are Debit Cards Really Coming Back?

With the significant growth of debit cards in recent years, many co-brand payment card sponsors built debit card programs to complement their credit card programs.  Companies like Disney, Delta,…Read More

Understanding How Banks Value Your Program is Challenging, but Necessary for Growth [PODCAST]

How your bank crunches the numbers to determine the profitability of your credit card program is incredibly important to sponsors because the way that banks value programs directly influences their…Read More

Understanding How Banks Value Your Program is Challenging, but Necessary for Growth

In the last article, I covered some major trends in credit card cobrand profitability and how the value of credit cards has changed over the last twenty years or so.…Read More

Three Keys to a Healthier Credit Card Program

Is your credit card program as healthy as it could be? By measuring just three key indicators, you can easily gauge how well your program is performing and identify steps…Read More

Following the Money [PODCAST]

Often retailers and other organizations don’t understand how banks make money on credit products offered to their customers (like private label and cobrand cards tied to loyalty programs)…Read More

Following the Money

Often retailers and other organizations don’t understand how banks make money on credit products offered to their customers (like private label and cobrand cards tied to loyalty programs)…Read More

Understanding Customer Needs – Change is Hard

In my last article I discussed the credit card product.  This article focuses on understanding customer needs and how to learn more about their true needs as the foundation…Read More

It’s All About the Product

In my previous articles, I covered major trends in credit card cobrand profitability and how banks calculate the profitability of your credit card program as well as the key drivers…Read More

A Perspective on Rogers Communications Launching a Co-branded Credit Card Program

Launching a co-branded credit card program may not be a big deal in the U.S., but in Canada it’s a bit different especially when a non-bank –…Read More

By the Numbers:  Cabela’s Cobrand Card and Loyalty Program

Cobrand credit card partners often ask about the profitability of their program to the bank, and if they are receiving a “fair” share, whatever that might be. These…Read More

Abracadabra: The Magic of Revenue Growth

In my previous articles, I covered some major trends in credit card cobrand profitability and how banks calculate the profitability of your credit card program.  In this article, I…Read More

Are Debit Cards Really Coming Back?

With the significant growth of debit cards in recent years, many co-brand payment card sponsors built debit card programs to complement their credit card programs.  Companies like Disney, Delta,…Read More

Understanding How Banks Value Your Program is Challenging, but Necessary for Growth

In the last article, I covered some major trends in credit card cobrand profitability and how the value of credit cards has changed over the last twenty years or so.…Read More

Three Keys to a Healthier Credit Card Program

Is your credit card program as healthy as it could be? By measuring just three key indicators, you can easily gauge how well your program is performing and identify steps…Read More

Following the Money

Often retailers and other organizations don’t understand how banks make money on credit products offered to their customers (like private label and cobrand cards tied to loyalty programs)…Read More

A Perspective on Rogers Communications Launching a Co-branded Credit Card Program

Launching a co-branded credit card program may not be a big deal in the U.S., but in Canada it’s a bit different especially when a non-bank –…Read More

Understanding How Banks Value Your Program is Challenging, but Necessary for Growth [PODCAST]

How your bank crunches the numbers to determine the profitability of your credit card program is incredibly important to sponsors because the way that banks value programs directly influences their…Read More

Following the Money [PODCAST]

Often retailers and other organizations don’t understand how banks make money on credit products offered to their customers (like private label and cobrand cards tied to loyalty programs)…Read More

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Contact Information

Kerri Moriarty
Associate
(781) 263 1984