Decades of Banking Insights, Delivered

ICEBERG FS

Smarter Banking Decisions. Bigger Savings.

Mistakes cost money. Missed opportunities cost more.

I’m Todd, founder of ICEBERG FS. We help community banks cut waste, negotiate smarter, and take control of vendor relationships—because every dollar saved is a dollar reinvested in your bank and community.

Stay or Switch? We Make It Simple.

  • Staying? We secure better pricing, stronger terms, and real savings—so you get more without the hassle.
  • Switching? We uncover hidden costs, compare providers, and ensure a smooth transition—so you don’t pay more than you should.

Why ICEBERG FS?

  • We see what others miss. Exit costs, hidden fees, contract loopholes—we find them before they cost you.
  • We simplify complexity. Core, Debit, Digital—whatever the contract, we make it clear, actionable, and cost-effective.
  • We work exclusively with community banks. No credit unions. No distractions.

The Process: Clear. Linear. Effective.

Analyze. Decide. Implement. Assess.
We guide you from first review to final contract maturity—so you never feel lost in the shuffle.

The Traditional Approach? Broken.

Most vendor reviews miss exit costs, ignore hidden fees, and guess on terms—wasting time and money. We’ve seen it happen. We make sure it doesn’t.

The ICEBERG Method: Smarter, Faster, Better.

We listen. We analyze. We negotiate. We deliver.

Let’s cut costs, streamline contracts, and boost savings.

$86.5M

Savings Beneath the Surface

Since day one, ICEBERG FS has quietly returned over $86.5 million to community banks—dollars previously lost to bloated contracts, unchecked vendor margins, and misaligned terms. It’s not headline-grabbing—it’s just deliberate, strategic work that keeps money where it belongs: in your pocket, working for your bank.

402 contracts. Zero wasted dollars. We’ve negotiated for community banks and Fortune 200 companies—leveraging every advantage to secure savings others miss.

402

Contracts Negotiated

45 days

Avg Time to Value

Savings in 45 days. Not 45 months. Our fixed-fee model delivers tangible cost reductions fast—so your bank starts saving sooner.

 

Your time is money. Stop wasting both. We streamline Core, Debit, and Digital negotiations, saving banks 120+ hours per deal.

120 hrs

Avg Time Saved

230

Onsite Visits

We don’t guess. We observe. 230 banks visited. We’ve walked their halls, met their teams, and seen firsthand what works—and what doesn’t.

I don’t just study banking—I live it. The only vendor in my graduating class at Barret School of Banking—because mastering the industry from the inside out matters.

Banking School

73

Conferences, User Groups,
& Local Events

We show up. We invest. We listen. 73 events attended—not to network, but to understand. Because knowing your challenges is the first step to solving them.

Deep roots. Real connections. We’re plugged into 12 state associations, learning from the best—your peers, your industry, your challenges.

12

State Association Memberships

525

Projects Managed

Refining execution. Perfecting strategy.

From 2012 to 2016, I led 525 projects at Fiserv—from data conversions to digital banking transformations. Building on my foundation at Open Solutions, those experiences sharpened my ability to negotiate, optimize, and drive results for community banks today.

Where it all began. From 2008 to 2011, I worked through 4,000 cases at Open Solutions—listening, learning, and solving problems for community banks. That experience shaped ICEBERG FS into what it is today.

4,000

Cases Worked