Mark Clayback is a seasoned banking and consulting professional with over 35 years of experience in banking operations, executive management, and financial institution consulting. His career began with Marine Midland Bank (now HSBC-USA), where he served as Vice President in multiple operating groups for 11 years before transitioning into consulting in 1990.

Over the past three decades, Mark has led revenue enhancement and Courtesy Overdraft initiatives for more than 80 financial institutions, spanning both domestic and international markets. His deep expertise in data mining, financial analysis, and operational strategy has helped banks and credit unions of all sizes strengthen profitability and optimize customer-focused services.

Mark’s specialties include:

• • Deposit revenue enhancement programs
  • Consumer and commercial product design and pricing
  • Implementation of Courtesy Overdraft programs
  • Fee collection performance measurement and monitoring
  • Development and integration of automated NSF/OD decision-making systems
  • Ongoing program evaluation and consultation