FOR US, IT’S ALL ABOUT YOU. AT HARLAND CLARKE, everything we do is designed to help you grow your business. Engage your account holders. Achieve your business objectives. For more than 140 years, we’ve been helping financial institutions build connections with their account holders and prospects. From industryleading check programs to data-informed marketing and bold technology solutions, we have a singular focus: improving your business outcomes. Why do our clients trust us with their most important initiatives? We live and breathe financial services.
What sets Harland Clarke apart? At our core is a deep commitment to providing intelligent solutions and operational excellence. Built into every product, technology and solution we offer is innovation and a focus on customer needs. We are dedicated to delivering results that move the needle — reduced costs, improved efficiencies, increased revenue and favorable ROI. With Harland Clarke, you have a wealth of tools and solutions at your disposal, from a single provider that has helped thousands of financial institutions of all sizes with their most pressing needs. Our clients appreciate the quality of our programs and the customer experience we provide. We know you — and we know the industry. And because we work in the financial services arena and understand its unique demands, our unmatched security posture wraps our entire environment and is built into our product development.
We’re unwavering in our commitment to delighting your account holders. We’re invested in leading-edge technology to deliver an exceptional customer experience. We build enduring relationships focused on mutual success. We apply rigorous security protocols to everything we do. Enhancing the customer experience. Building customer engagement. Helping you become the financial institution your account holders turn to first. That’s what you want. And that’s what we do.
HARLAND CLARKE IS HERE TO HELP YOU ACHIEVE YOUR BUSINESS OBJECTIVES.
INTELLIGENT SOLUTIONS & OPERATIONAL EXCELLENCE
NOBODY GROWS BUSINESS FOR FINANCIAL INSTITUTIONS LIKE HARLAND CLARKE.
MARKETING SOLUTIONS THAT GET RESULTS. Our business is growing your business. This means helping you initiate, engage and expand relationships with the right account holders. It means delivering solutions that achieve an optimum return on your marketing investment. And it means delivering marketing programs that work. Our data scientists combine a deep understanding of financial services with key insights into your account holders, their portfolios, needs and desires. This discipline lets us get at the heart of your challenges and allows us to build marketing programs that help you grow.
“Our ROI is about 665%. The application rate is 10.27%. That’s just phenomenal … Blowing away industry standards.” Dr. Paul Whithy
VP Strategic Development and Public Relations Texas Bay Area Credit Union
SHOPPER ALERT TM 2
Research & Analytics
Marketing performance starts with knowledge. Understanding how and why people behave. Understanding account holder data. Using analytics and modeling to really dig into the numbers to reveal patterns and trends. This not only leads to better marketing and business decisions. It leads to better marketing performance.
Strategy is where it all comes together. Where data, insight and experience intersect. It’s where we build programs that are targeted to the account holders and prospects with the highest potential. It’s where we design channel and message strategy for the most effective and engaging results. It’s all integrated by our marketing, digital and creative strategists working on your behalf.
• National Banking Industry Benchmarks
38% INCOME INCREASE FROM NEW ACCOUNT HOLDERS 30% LIFT IN ACCOUNTS PER HOUSEHOLD 400% INCREASE IN FOUR-SERVICE HOUSEHOLDS Harland Clarke, The Value of Onboarding Case Study
• Opportunity Analysis • Segmentation & Modeling
Lifecycle Marketing Initiating relationships through acquisition. Engaging new account holders through onboarding. Expanding share of wallet through cross-sell. It’s all part of the account holder lifecycle, and it’s how our solutions help financial institutions drive engagement and maximize profitability at every stage of the relationship.
• Customer Experience Measurement and Monitoring
• Competitive Mystery Shopping
• Household Acquisition
Capture high-value account holders. • Triggered, Prescreened and Propensity-based Loan Acquisition • Small Business Acquisition
Drive activation and utilization. • Onboarding • Automated Account Switching • Welcome Calls & New Account Holder Assistance
ANALYTICS & MODELING
• Instant Issuance • Financial Education • Custom CheckFolio ® and Checks
Cross-Sell Solutions Grow share of wallet and deepen relationships.
• Triggered and Prescreened Loan Acquisition
DELIVERY & FULFILLMENT
• Loan Recapture • Credit Optimization • Personalized Statement Marketing
PREDICTIVE MODELING BOOSTS CROSS-SELL RESULTS TO $19 MILLION.
• In-branch Marketing • CheckFolio Marketing
Harland Clarke Case Study
Creative Even the best strategy falls flat without impactful, compelling creative. Our award-winning creative team offers deep financial services marketing experience across all channels. We combine highly relevant messages with compelling design and imagery to resonate with your target audience — and move them to action.
Omnichannel Execution The marketing conversation has changed at financial institutions of all sizes. Direct mail. Email. Mobile. Content. eLearning. Engage when, where and in the channels your account holders want. We have omnichannel marketing covered — through all stages of the account holder lifecycle. • Direct Mail • Email • Mobile • Contact Center • Social Publishing • Local SEO • Consumer Education • Employee eLearning • Content Services
Customized Marketing Portal
MANAGE RISK, TRACK COMPLIANCE AND BE AUDIT READY. Our business is growing your business. As the financial services industry faces an explosion of laws and regulations, financial institutions are feeling the pressure to keep up with governance, risk and compliance (GRC). GRC Spotlight, powered by LockPath ®, is intuitive, flexible, scalable software designed to bring order to the chaos of information governance, compliance, risk management and security. GRC Spotlight integrates all of the manual processes you’re using now and replaces them with an automated, integrated solution. Users gain a holistic view into all risk and compliance activities, breaking down organizational silos and delivering GRC efficiency to your entire organization.
BRAD (Brand Resource and Distribution) is a customized, online self-service marketing portal that lets you and your branches manage, personalize, print and distribute all of your marketing materials on demand, quickly and easily. Using BRAD for your marketing ensures that your brand standards are met, and delivers marketing materials in days — not weeks. 6
LockPath is a trademark of LockPath, Inc.
WE BUILD BETTER CHECK AND CARD PROGRAMS FOR YOU. Our business is growing your business. This means providing you with check and card programs designed to enhance customer experience and maximize revenue. After more than 140 years of working with financial institutions, we understand the challenges you face, and this depth of experience informs the products we build. With our newest programs — instant issuance and EMV® card solutions — we continue to invest and innovate to engage your retail and business account holders and meet their needs for security, affinity and convenience.
“The service has been wonderful. The transitions have been seamless.” Collene Murphy
VP Support Services Missoula Federal Credit Union
CHECK WRITERS ARE AMONG THE MOST AFFLUENT ACCOUNT
HOLDERS. MORE AFFLUENT ACCOUNT HOLDERS WHO HAVE
Checks are important transactional documents, and we apply the rigor and precision to all aspects of our check programs that you’ve come to expect from Harland Clarke.
AND USE MORE FINANCIAL SERVICES ARE CRITICAL TO
But checks are also a way to engage account holders and drive the customer experience. Research continues to affirm the importance of check writers as account holders, and we’ve designed our check programs to help account holders easily order checks and start using their checking accounts in the critical first days after account opening.
Nielsen, Check Buyer Behavior Study
We’re continuing to invest and innovate in our check program to help you capture more check orders, retain check business and maximize revenue. • Business and Personal Check Programs • Online and Mobile Check Ordering • Custom CheckFolio ®, Checks and Check Pad Messaging • Check Program Performance Measurement • Mobile Deposit Security Technology • Mobile Deposit Activation Marketing
Harland Clarke Business Solutions® Reduces
Reduces waives by up to 55 percent
Reduces check order errors by 50 percent
Increases check order capture by 60 percent
Raises fee income by up to 12 percent per order
Our card program makes it easy for financial institutions of all sizes to cost-effectively offer the latest card technology. We’re leading the way with cloud-based instant issuance that makes issuing cards in-branch easy and affordable. From manufacturing to personalization, Harland Clarke does it all. • Instant Issue • Personalization • Prepaid
Harland Clarke, Client Data
Harland Clarke Business Solutions is a registered trademark of Harland Clarke.
CheckFolio is a registered trademark of Harland Clarke Corp. Patent No. D777,835.
WHAT DO YOU NEED TO RUN YOUR BUSINESS BETTER? Our business is growing your business. This means innovating, improving and investing to foster your success. We provide a range of services that complement our marketing and payment solutions, making Harland Clarke your go-to resource for financial forms, documents, commercial printing and contact center support your business demands.
CONTACT CENTER TRIPLES SMALL BUSINESS ACCOUNTS AND RETRIEVES 334% ROI. Harland Clarke Case Study
Contact Center Support
For financial institutions looking to augment and enhance their capabilities, our Contact Center aligns with your goals, culture and operation to deliver custom B2B and B2C, inbound and outbound services for short-term or ongoing engagements.
Our integrated print, mail and digital solutions make it easy for you to deliver a wide range of time-sensitive electronic and printed documents.
Our professional call specialists handle more than 20 million calls each year. They serve as the voice of your brand, delivering high-quality, high-touch experiences to account holders and prospects.
• Loan Coupon Books
We’re leading the way in contact center innovation with our Burst solution, a way to add short-term, scalable contact center capacity with no long-term commitment. Burst is ideal for augmenting existing capacity for online and mobile banking conversions, mergers and acquisitions, data breaches and disaster recovery.
• Statements • Invoices
• Legal and Compliance Notifications
Whether you need inviting branch signage, a welcome kit or a high-end annual report, we identify the right print solutions and handle your job with the ease that comes from being one of the largest printers in the United States.
• Digital Banking and Account Conversion Support • B2B and B2C Lead Generation • Loan Acquisition • Onboarding • Card Reissue, Activation and Usage • Extended Hours Support
SECURITY IS A PRIORITY AT HARLAND CLARKE. At all levels of our organization, we are committed to securing the confidential information that you and your account holders entrust to us. Our strategic security and risk-control framework provides a proven defensein-depth strategy and a layered security model, giving financial institutions confidence and peace of mind.
• In-house Security Oversight, Visibility and Control
When it comes to commercial treasury solutions, official checks and supplies, Harland Clarke delivers with the accuracy and on-time delivery that financial institutions have come to expect.
• Documented Information Security Management Program • PCI DSS Certification • Ongoing Audits and Assessments
• Regulatory and Compliance Support
• Annual Disaster Recovery Testing • Integrated Security Strategy • Vendor Compliance and Visibility Requirements
“Our relationship is a longstanding, trusted partnership. We’re very comfortable with a data exchange, knowing that Harland Clarke will take good care of the information they’re receiving.” Tara Smith
VP of Retail Orion Federal Credit Union
INFORMATION SECURITY 14
LET US HELP YOU GROW YOUR BUSINESS. Count on Harland Clarke for high-performance marketing solutions; payment solutions; governance, risk and compliance technology; and operational support. Let us help you become your account holdersâ€™ financial institution of choice â€” the place and the people they turn to first for the products and services they need.
Institution size, assets, campaign results and statistics based on client earnings data. Many variables impact marketing campaign success. Information from earnings on percentage increases that is contained within this document is provided for demonstrative purposes only. Harland Clarke does not guarantee or warrant earnings on a particular level of success with a campaign.
© 2017 Harland Clarke Corp. MKCOM–1380–02 SAMM# 9103170 Shopper Alert is a trademark of Harland Clarke. All rights reserved. Card@Once is a registered trademark of CPI Card Group, Inc. US Patent No.: 8429075. EMV is a registered trademark or trademark of EMVCo LLC in the Unitied States and other countries.
Harland Clarke B2B Overview Brochure