e-mail   This email address is being protected from spambots. You need JavaScript enabled to view it.


All of our professionals have over 20 years experience developing and implementing successful strategies for improving consumer and small business banking.

We've been in your shoes -- our consultants have held senior management positions at leading financial services companies, and have been accountable for the bottom line. We know it's not enough to recommend a course of action -- we work with you to insure plans are effectively executed and generate the results expected.

David Kerstein - President and Founder

david 2009David Kerstein is a financial services industry leader. He has held senior management positions at Citigroup, Bank One (now J.P. Morgan Chase) and Old Kent Financial Corp. (now Fifth Third Bank). His responsibilities included Division Executive and Regional President with responsibility for retail banking, consumer lending, business banking, private banking, marketing and strategic planning.

Mr. Kerstein served as Chair of the BAI's Retail Financial Services Commission and the Planning Committee for the Retail Delivery Systems Conference. He was a founding member of the International Retail Banking Council, where he chaired the Branch Banking and Distribution Management Board. He has been active in education programs for the banking industry, and served on the Education Council of the Consumer Bankers Association.

David Kerstein holds an MBA in Marketing and an MA in Public Administration. He was on the faculty of the University of Missouri, where he taught Consumer Marketing, and has taught classes or seminars in financial services marketing at several colleges and universities, including the Univ. of Illinois and the Univ. of Wisconsin. He was a contributing author to the Direct Marketing Handbook and served on the Editorial Advisory Board of the Journal of Retail Financial Services.

A frequent speaker at industry forums, Mr. Kerstein has participated in conferences throughout the United States and in Europe, South America and Asia where he has spoken on distribution strategy, customer acquisition strategies, and sales management. He has been quoted in The American Banker, US Banker, US News and World Report and other business publications and newsletters.

Contact David at This email address is being protected from spambots. You need JavaScript enabled to view it.


Ric Carey - Director

carey portraitRic Carey has had a distinguished career in banking and is known for his work in building deep and profitable customer relationships through improved consumer and small business segmentation and innovative distribution strategies. Most recently he served as Executive Vice President and Head of Retail Banking for Umpqua Bank, overseeing Umpqua’s internationally acknowledged best-in-class community banking program. Prior to that, he was SVP and Small Business Segment and Marketing Manager at Bank One, where he developed and executed targeted programs for the business banking segment.

Mr. Carey is a faculty member of the International Academy of Retail Banking and has conducted training and consulting programs in Europe, Africa, the Middle East and China.


Ric's office is in Portland, OR. Contact him at: This email address is being protected from spambots. You need JavaScript enabled to view it.



Tom Zayko - Director

tompicTom Zayko is an expert at identifying growth opportunities and creating high performing marketing and sales strategies. He implemented Citigroup’s corporate branding strategy across Europe, creating a unified Citibank brand that included branch design, signage, collateral, and sales training. Previously he developed the strategic marketing and distribution plan for 1,200 branches of Bank of America, including market-by-market strategies based on customer behavior patterns, competitive share position, and market potential.

Tom was also responsible for developing “Customers-Matter,” a customer survey program that enables banks and credit unions to gather customer feedback in real-time, and convert the feedback into improved service levels.

Tom's office is in Montclair, NJ. Contact him at: This email address is being protected from spambots. You need JavaScript enabled to view it.


Paul Corrigan, Senior Consultant

corriganPaul Corrigan is a leading expert on Retail Banking and Workplace Banking (Bank at Work programs). He has built and led national businesses at both RBS-Citizens and Citigroup. Specifically, he was responsible for the development and management of both banks’ new consumer acquisition programs, YourPlace Banking and Citibank at Work. His expertise with Workplace Banking initiatives covers the full range from strategy to execution and includes considerable experience in program implementation and channel management.

Paul can be reached at: This email address is being protected from spambots. You need JavaScript enabled to view it.


Subscribe to our free e-mail newsletter. Get the latest updates automatically from our RSS feed.

Follow us on...

twitter linkedin

From Retail Banking Strategies

10 Keys To Success With Bank-At-Work Programs

This article was was originally published in The Financial Brand on June 22, 2017   Bank-at-Work programs are both efficient and effective ways to generate new business. But, work site...

Podcast: The ever-changing face of bank branches

  If the podcast does not appear, please click on the word “Podcast” in the title of this article)    On this episode of the BAI Banking Strategies podcast, Lou...

10 Things to Consider When Opening a New Branch

While the total number of bank branches is declining, the industry is still opening 1,000 branches annually.  Here are 10 keys to accelerating success of your new branch.   This...

Turning FinTech into WinTech: How smaller financial institutions can succeed with digital

BY: DAVID KERSTEIN, Peak Performance Consulting Group, and DAN MERCURIO, Cambridge Savings Bank.  This article was originally published in BAI Banking Strategies.   Compelling digital offerings aren’t just a consumer...

Branches: keep, close, move, remodel or add capacity?

  Branches aren’t going away but most built for a different era.  Should you keep it, close it, move it, remodel it, or add capacity to capture market opportunity. And if...

In the News: Peak’s Jon Voorhees quoted in American Banker on Mapping Tools for Branch...

How GIS maps help banks chart course for branches, lending   See full article on American Banker (February 14, 2017)   BB&T’s CEO, Kelly King, wants to step up the pace of...

In the News: How a Robo-Advisor Could Take Your Bank the Next Level

For years, community banks have tried, with varying degrees of success, to boost fee income through wealth management. Now, thanks to the robo-advisory trend, smaller banks can compete more effectively,...

In the News: Branch banking 2026 — From robots in the lobby to personal tellers...

John Voorhees, consultant and advisor at Peak Performance Consulting Group, was one of seven experts asked to share their vision of what bank branches will look like in the future in...