THE U.S. FINTECH SYMPOSIUM
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How Fintech and Banks Can Use Funds Transfer
Pricing to Drive Profitable Loan and Deposit Growth

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Presentation Description

Making loans and gathering deposits are core financial services activities.  Advanced fintechs are utilizing funds transfer pricing (FTP) to help determine how to price these activities.  This alone is challenging, but recent changes in key market rates (i.e., Libor phase-out and SOFR phase-in) are making this even more challenging. We will describe the fundamental basis for FTP, key components, and how changes in market interest rates are affecting FTP approaches in many financial institutions.  If your institution is competing for loans and deposits, you need to understand this key component to pricing decisions for loans and deposits.

Steve Turner Biography

Steve is a Managing Director at Empyrean Solutions focused on introducing Empyrean to some of the largest, most sophisticated banks in the U.S., Canada, and the U.K.  In this role, he leverages his experience as a successful financial services industry executive and consultant leading engagements in treasury, liquidity management, balance sheet and capital strategies, finance, regulatory risk compliance, and credit portfolio oversight.

He regularly presents and chairs industry risk conferences including CeFPro Risk Americas and Marcus/Evans Liquidity Summit.  He has published in numerous industry journals including Bank Director, Bank Accounting and Finance, Commercial Lending Review, and American Banker.

Prior to joining Empyrean Solutions, Steve held Managing Director positions at Novantas and First Manhattan Consulting Group.  He started his career leading treasury at Shawmut National Corporation, a leading Northeast regional bank.  He has an undergraduate degree in economics from Allegheny College and an MBA in finance from Tulane University. ​
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The U.S. Fintech Symposium is ​Produced by TreaSolution, Inc. d/b/a Converge Events
© Copyright 2025 TreaSolution, Inc.  All Rights Reserved.

  • HOME
  • USFS 2025
    • The Premier Experience
    • Conference Agenda
    • Conference Speakers
    • Attendee Testimonials
    • Date, Location & Venue
    • Networking Events
    • Conference News
    • Call for Speakers
    • Conference FAQs
  • SPONSOR
    • Sponsorships Packages
    • Current Sponsors
    • Sponsorship ROI
    • Let's Talk!
  • REGISTER
  • UPCOMING EVENTS
    • Converge Events
    • The Fintech Risk & Compliance Forum
    • The Credit Union Growth & Innovation Summit
    • The Secure Finance Summit
  • Marketing Partnerships
  • Student Volunteering
  • Conference Organizers
  • Fintech Presentations
  • Newsletter Sign-Up
  • Contact Us