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I formed TMR in 1988 with the goal of providing unique and useful technology based tools for community and independent banks.
What has evolved is a series of products and services that attract and leverage commercial relationships for your bank. Today, our CITATION™ solutions are currently serving dozens of banks and hundreds of their business accounts in 35 states across the country.
The area at which we work the hardest is service. I invite you to take a look at our Business Builder™ sales and marketing support - the only program of its type in our industry. Every CITATION™ solution includes in-depth training, ongoing support, and when you call, a real person answers by the second ring.
My own career began as a community banker in Ohio. I'm no longer a banker but if I were, unquestionably my objectives today would include:
- Attracting low-cost "relationship" based deposits
- Generating profitable fee income to replace lost DDA service charge revenue
- Opening new markets without the cost of brick and mortar branches
- Differentiating my bank in a highly competitive market
If your business plans call for any of the above, we'd be delighted to help evaluate your needs and the potential compatibility of our solutions.
Tim Clifford Founder & Chairman
Since joining TMR in 1997, it has been my privilege to help bankers across the country to win and lock in more profitable business relationships. In 2012, I assumed responsibility for day-to-day operations and the direction of TMR's products and services. Since that time we have significantly expanded our Outsource and Hybrid payment processing services. We also developed CITATION™ i-Remit, an advanced web-based solution that represents the next generation in lockbox operations. Today, we provide bankers with an array of payment processing options tailored to meet their market needs.
At TMR our exclusive focus is lockbox and payment processing. More than software, we develop complete solutions that combine the power of technology with personal touch service - bank-branded systems, expert technical assistance and our exclusive Business Builder™ sales and marketing support.
Please feel free to reach out to me directly with any questions you may have about our solutions and services.
Mike is a senior sales/management professional with in-depth knowledge of payment processing markets including lockbox operations, electronic payment solutions and integrated receivables. He is highly regarded in the banking industry for his thorough understanding of key business and technology drivers in the payment processing industry and for developing innovative solutions to each bank's needs.
Dave is a highly experienced financial industry executive with an extensive background in strategic planning, consulting and leveraging payment processing to improve competitiveness. In addition, he is sought after as a financial industry speaker and has served as a guest faculty member of graduate banking schools, including West Point, Vanderbilt, University of Oklahoma, Louisiana State University, Ohio University and the University of Wisconsin.
Senior Vice President/Director of Business Builder™ Services
Randy is a 20-year TMR veteran with 34 years in banking and bank services. As Director of Business Builder™. he assists your banks with proactive support in helping sell, price, contract and implement new business. Under Randy's direction, Business Builder™ provides initial education and ongoing marketing support to your business development officers.
Regional Business Builder™ Representative
Amy is a sales veteran with 20 years of experience in a career that spans finance, health insurance and real estate, as well as having experience in lockbox sales here at TMR. She supports your bank's sales staff with product sales training, Industry data, Identifying and targeting markets, assistance in customer meetings, and contract development and pricing. In addition, she assists in the creation of bank-branded marketing materials.
Director of Client Services
Doug has been associated with TMR for over 25 years, having helped install one of our first clients. He applies extensive knowledge of computer systems and TMR's solutions to managing the day-to-day technical support services for our bank clients.
Director of Lockbox Operations
Laura manages the day-to-day activities of TMR's rapidly expanding Outsource and Hybrid Processing services. With 20 years of experience in large lockbox operations and systems management she applies a high level of process management, quality control and personnel supervision to assure accurate, cost-effective processing solutions.