Reduce Expenses. Strengthen Partnerships.

Strengthen Visa/Mastercard agreements and maximize brand value

Reduce processing costs and secure stronger contract terms

Identify and grow sustainable non-interest income opportunities

Improve network agreements and optimize transaction fee structures

Identify savings opportunities across vendor relationships and operations

Reduce transportation and security costs through contract renegotiation

Improve technology spend and strengthen vendor agreements

Reduce costs and streamline check clearing operations

Vendor contracts are one the largest and least-controlled expense categories for many financial institutions. Over time, agreements renew automatically, pricing increases year after year, and service terms become harder to evaluate - resulting in overspending without anyone realizing it. 

The challenge is not that businesses are not paying attention. It is that vendor contracts are often complex, time-consuming to review, and rarely benchmarked against current market rates. That is where costs quietly creep in.

Common ways vendor costs increase:

• Auto-renewals and missed renegotiation windows
• Price escalators built into contract terms
• Paying for services that are not being fully used
• Overlapping vendors or unclear scope of work
• Contracts that lack accountability or performance terms

At TFD Consulting, LLC, we help organizations regain control of vendor spend by identifying savings opportunities and strengthening contract terms - so costs stay predictable and savings last.