A regular feature of the TMG Blog, Card Services Spotlight provides insight into the card market from a TMG client expert.

Tell us a bit about your background and expertise in card services.

I have 29 years of experience in the banking industry. I began as a teller and have worked my way through the ranks over the years. I joined Honda FCU as a card services representative in 1994, and I’ve supervised the department for the past ten years.

What are your top three tips for managing a successful card program?

1. Provide exceptional customer service
2. Minimize fraud
3. Market member needs

What is your favorite card services tool from TMG?

The TMG Support Group has most definitely been our favorite and most important card services asset.

What do you predict will be your biggest challenge in 2010?

An uncertain economy will more than likely be the biggest challenge for most.

How do you see the card industry changing over the next five years?

I believe the card industry will remain competitive and that plastic cards will still be the No. 1 form of payment. Financial institutions will continue to evaluate their card portfolios and may eliminate products that are less profitable. High interest rates will continue to force consumers to look for exceptional value.