Frank Martien


Commercial Payments


Frank Martien leads First Annapolis’ Commercial Payments practice area and specializes in bank issuance of consumer credit cards, small business credit cards, and commercial cards (e.g., corporate, purchasing, virtual accounts, fleet).  His engagement experience includes a wide spectrum of strategy, market sizing, growth opportunity assessment, primary and secondary market research, financial analysis, RFP/vendor selection, valuation, expert appraisal, and M&A-related assignments.

Frank’s clients include banks, payment networks, end-user organizations, and retailers. Through client assignments, speeches at major industry events, published articles and quotes, and as an Advisory Board Member of Commercial Payments International, Frank is a recognized industry expert.


B2B Payments, including Virtual Cards
Credit Card Growth Strategy for Banks
Agent Referral Progams
Card Program Valuation


Darden School at the University of Virginia M.B.A. with the Faculty Award for Academic Excellence for graduating in the top 10% of the class
Washington & Lee University B.A. in European history with Phi Beta Kappa and Magna Cum Laude honors

Professional Background

Joined First Annapolis in 1996
Experience includes positions at 5Star Bank, Capital One, Citibank, and Alex. Brown & Sons Incorporated

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