Michael Boyd
Co-founder and Managing Partner @Fulcrum Payments
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WORK HISTORY
Co-founder and Managing Partner @Fulcrum Payments
Toronto, CA
Founded and lead a specialized consultancy serving direct banks, credit unions, and new market entrants. Deliver expert guidance across banking operations, products, and digital transformation, with engagements in the following key areas:• Operations Strategy & Modernization: Assess and redefine operations for Pay-by-Bank, retail banking, and credit union teams—streamlining processes, policies, and procedures to elevate customer service and operational efficiency.• Payment Systems Optimization: Redesign front-end and core banking systems to resolve design gaps and enhance end-to-end payment processing.• Retail Product Strategy: Deliver product assessments and go-to-market support for Credit Cards, Interac/RTR, ATMs, and other retail banking solutions, aligning with business goals and vendor capabilities.• Vendor Strategy & RFI Leadership: Lead RFI processes, vendor evaluations, and contract negotiations for credit card processing, front-end digital platforms, and retail banking product services
EDUCATION
McGill University
BA, Economics
ABOUT MICHAEL BOYD
A strategic and hands-on leader in the financial services industry, I bring over 20 years of experience building operational excellence, and driving product development and innovation across banks, credit unions, and fintech platforms. As Co-founder and Managing Partner at Fulcrum Payments, I work closely with direct banks and new market entrants to modernize their banking operations, optimize payments infrastructure, and accelerate digital transformation.Previously, I led national-scale programs as VP of Product and Operations at the Prairie Payments Joint Venture, where I oversaw day-to-day processing operations, redesigned payment streams, and served as Interim CEO during a critical leadership transition. At Tangerine Bank, I designed the operations, processes and vendor framework to launch and then scale the Credit Card business, delivering rapid growth and long-term value through agile delivery and strategic vendor management.My core strengths lie in: • Operations leadership, process design, and modernization across banking channels • Payment product and platform strategy (Credit Card, AFT, Wires, Interac, RTR) • End-to-end program leadership, vendor management, and contract negotiations • Building and scaling high-performing teams during complex transformationsWith a track record of executing critical initiatives and guiding institutions through change, I’m passionate about shaping the future of banking through smart design, sound execution, and customer-focused innovation.
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