The Counter-Sales Agency
We Serve Community Banks Exclusively (Absolutely Zero Credit Unions)
Nobody knows your business, customers, and communities better than you. We applaud your success. Thank you for being a community banker.
About the Principal
I’m Todd, founder of ICEBERG FS. I’ve dedicated my life professionally to understanding the value of your business. At the Barret School of Banking, I was the only vendor in my class. Today, I'm an instructor at the MBA Perry Schools of Banking, teaching Think Backwards, Move Forward: Strategic Problem-Solving for Banks. At ICEBERG, we turn that classroom theory into a high-stakes Counter-Sales Agency for your bank. We help community banks cut waste, negotiate with Effective Intelligence, and take total control of vendor relationships.
The "Big Box" Problem
Traditional consulting is broken. Many firms act like the Wizard of Oz—hiding their "magic" behind a curtain to justify massive percentage fees. Worse, the "Big Box" model often assigns your high-stakes negotiation to a recent college graduate following a rigid SOP. Others hide behind 2,000-line RFPs and generic scorecards that—after months of billable hours—conveniently end in a tie. It doesn't have to be so complicated.
The ICEBERG Strategy: Effective Intelligence
At ICEBERG, we believe in Effective Intelligence. We provide the framework that allows your bank to see the submerged risks and opportunities that traditional reviews miss. Our process is sequential to maintain discipline, but our thinking is dynamic to ensure victory. Whether staying or switching, we uncover the hidden leverage others miss.
The Partnership: No One is in the Corner
We are not going to tell you how to run your business. We aren't Patrick Swayze; we don’t put you in a corner and tell you when we’re done. You are the most invested person in the room. Your involvement is the critical component of our shared success. We provide the vessel; you steer the ship—from the first review to final contract maturity—ensuring you maintain absolute control.