Frank Martien

Frank Martien specializes in the firm’s consumer and commercial card issuing practice areas in which his experience includes a wide spectrum of de novo entry; strategy; market opportunity evaluation; portfolio acquisition and divestiture advisory; agent bank, co-brand, and affinity program design and partner selection; and data processing and cardholder servicing vendor selection engagements. The expertise that Frank brings to these engagements includes market research and benchmarking, business casing, project management, database development and analysis, valuation, two-stage auction and request-for-proposal management, partner royalty and vendor pricing analysis, and contractual negotiations. Among his many assignments, he has worked on many of the high-profile credit card portfolio transactions that have occurred over the past several years.

Frank’s clients include banks, credit unions, credit card issuers, transaction processors, cardholder servicers, and co-branding partners. Through frequent speeches, articles, and numerous quotes in major publications such as the American Banker, Credit Card Management, CardFax, The New York Times, and The Wall Street Journal, Frank is also a recognized industry expert.

Frank’s financial services work experience includes positions at a bank, two leading credit card issuers, and an investment bank. At 5Star Bank, which is wholly owned by the Armed Forces Benefit Association (AFBA), he was the Senior Vice President & CFO. Along with more traditional CFO duties, his responsibilities at 5Star included the design and implementation of a credit card marketing plan for activation, repricing, rewards, and solicitation campaigns: all supported by a customer database that Frank developed. At Capital One, Frank evaluated overseas market opportunities; at Citibank, he conducted data analysis by portfolio segment to support reductions in cardholder attrition; and at Alex. Brown, he worked on the main trading floor in Institutional Sales in support of the firm’s equity capital markets initiatives.

Frank received his M.B.A. from the Colgate Darden Graduate School of Business Administration at the University of Virginia where he specialized in finance, marketing, and accounting and received the Faculty Award for Academic Excellence by graduating in the top ten percent of his class. He received his undergraduate degree, with Magna Cum Laude honors, from Washington & Lee University where he was also inducted into the Phi Beta Kappa Society.