Bespoke solutions

Right-sized consulting for growing FIs.

Strategy with a Street Name.

Strategy with
a Street Name.

We help community and mid-size financial institutions build and optimize commercial banking products that increase fee income and stop client attrition, without the price tag of a big-name firm.

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Service designed around you

Navigating the Pressures of Modern Commercial Banking

Community and mid-size financial institutions are the backbone of our economy, but their leaders face a unique set of challenges:

Treasury Management Consulting

Compressed margins and constant pressure to waive fees are eroding your non-interest income. Unlock revenue beyond lending.

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Operations Consulting

Operational excellence in Treasury Management is critical. FIs must embrace automation and mitigate fraud to drive sustainable growth.

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Payments Optimization

The demand for real-time payments is no longer optional. Businesses and consumers alike demand faster, more seamless experiences.

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Treasury & Technology Solutions

High-value commercial clients are leaving for the seamless digital experience and product suites of larger banks and fintechs.

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Strategic solutions engineered to maximize non-interest income and accelerate commercial deposit growth.

95%

Client Satisfaction Rate

Long-term relationships built on trust, clarity, and results.

36+

Years of Banking Experience

A team of senior consultants with deep banking industry insight.

40+

Projects Completed

Successfully executed initiatives since opening our doors in 2023.

25%

Average Growth Achieved

Clients report measurable improvement in performance and ROI.

Explore our solutions

About us

From your side of the desk.

Our team is built of seasoned banking professionals who have lived the unique challenges you face. We deliver practical, actionable strategies designed for the realities of community financial institutions, not the theories of a boardroom.

The Profitability Squeeze

Compressed interest margins and a rising cost of funds are putting relentless pressure on your bottom line. At the same time, you're fighting to grow non-interest fee income, but face internal resistance to new fee structures and aggressive competition that can make it feel like an uphill battle.

We analyze your market and build data-driven pricing models to maximize fee income.

Our strategies turn treasury management from a cost center into a consistent revenue driver.

We implement effective liquidity management programs to attract and retain stable, low-cost funding.

The Technology Arms Race

The Client Experience Gap

The Talent & Training Deficit

The Innovation Gridlock

The Profitability Squeeze

We analyze your market and build data-driven pricing models to maximize fee income.

Our strategies turn treasury management from a cost center into a consistent revenue driver.

We implement effective liquidity management programs to attract and retain stable, low-cost funding.

The Technology Arms Race

The Client Experience Gap

The Talent & Training Deficit

The Innovation Gridlock

Our approach

A Collaborative, Hands-On Approach to Commercial Growth

We provide tailored consulting that focuses on three core areas:

Define Your Strategy

We start by understanding your unique position. We collaborate with your leadership to build a clear, actionable roadmap that aligns with your institution's specific market, resources, and strategic goals.

Define Your Strategy

Transform Your Offerings

We help you turn strategy into reality. This means optimizing your products, processes, and technology to build a competitive advantage and deliver an exceptional client experience.

Transform Your Offerings

We help you turn strategy into reality. This means optimizing your products, processes, and technology to build a competitive advantage and deliver an exceptional client experience.

Transform Your Offerings

We help you turn strategy into reality. This means optimizing your products, processes, and technology to build a competitive advantage and deliver an exceptional client experience.

Grow Your Revenue

True growth is powered by people. We empower your team with the training, tools, and confidence to execute the strategy, drive revenue, and build lasting, profitable client relationships.

Grow Your Revenue

True growth is powered by people. We empower your team with the training, tools, and confidence to execute the strategy, drive revenue, and build lasting, profitable client relationships.

Grow Your Revenue

True growth is powered by people. We empower your team with the training, tools, and confidence to execute the strategy, drive revenue, and build lasting, profitable client relationships.

Find the right solution

Every financial institution is unique. Your consulting approach should be too.

From core Treasury Management to Instant Payments, our consulting services are designed to help your institution build profitable, lasting commercial relationships. Book a free, no obligation 15-minute discovery call with one of our consultants to discuss your needs in any of these areas.

Treasury Management

Operations Consulting

Payments Optimization

Build a profitable Treasury Management program that serves as a powerful relationship anchor. We help you define strategy, optimize pricing, and empower your team to attract and retain high-value business clients.

Define

We define a competitive Treasury Management strategy and pricing model that aligns with your market and revenue targets.

Transform

We help you transform your product suite and streamline onboarding to create a powerful client relationship anchor.

Grow

We grow your team’s expertise and sales capabilities, turning your TM division into a consistent fee income generator.

Book a discovery call

Treasury Management

Operations Consulting

Payments Optimization

Define

We define a competitive Treasury Management strategy and pricing model that aligns with your market and revenue targets.

Transform

We help you transform your product suite and streamline onboarding to create a powerful client relationship anchor.

Grow

We grow your team’s expertise and sales capabilities, turning your TM division into a consistent fee income generator.

Book a discovery call

Treasury Management

Operations Consulting

Payments Optimization

Define

We define a competitive Treasury Management strategy and pricing model that aligns with your market and revenue targets.

Transform

We help you transform your product suite and streamline onboarding to create a powerful client relationship anchor.

Grow

We grow your team’s expertise and sales capabilities, turning your TM division into a consistent fee income generator.

Book a discovery call

Our clients

Trusted by community financial institutions across the nation

In addition to serving community financial institutions, DeNovo Treasury also partners with premier fintech companies that enhance TM offerings for your commercial clients.

Clients and Partners

Get in touch

Defend your FI’s market share with Treasury Management growth

Stop trying to fit your financial institution into a generic box. Let's have a conversation about the specific challenges and opportunities you see in your market. Book a 15-minute no obligation discovery call today.

Have a Challenge or an Idea?

Fill out the form, and let’s talk about how we can support your business with tailored solutions.

Call us at:

+1 (313) 887-1810

Visit us at:

1420 Washington Blvd, Suite 301, Detroit, 48226

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Our blog

Insights. Strategies. Real-world perspectives.

Explore fresh thinking on business strategy, operational excellence, and leadership in times of change. Curated by our consultants — written for decision-makers.

Strategy

Mar 27, 2026

The Fraud Review Playbook: 45-Minute Meetings That Protect Clients and Grow Treasury Management Fee Income

Learn how community financial institutions can transform routine fraud conversations into structured 45-minute quarterly reviews that strengthen client relationships, close security gaps, and drive Treasury Management fee income through targeted fraud prevention solutions.

Strategy

Mar 27, 2026

The Fraud Review Playbook: 45-Minute Meetings That Protect Clients and Grow Treasury Management Fee Income

Laptop on a table in an old wood-paneled room.

Strategy

Mar 12, 2026

Stop the Drip: A 30-Day Treasury Management Fee Audit You Can Run with the Team You Already Have

Discover how community financial institutions can recover hidden Treasury Management revenue through a structured 30-day fee leakage audit that identifies outdated pricing, unmonitored waivers, and ECR gaps to drive non-interest income growth.

Strategy

Mar 12, 2026

Stop the Drip: A 30-Day Treasury Management Fee Audit You Can Run with the Team You Already Have

Payments & Products

Feb 28, 2025

What Sweep Products Can Offer to Your Business Customers

Learn how Sweep Products, including Investment Sweeps, Credit Sweeps, and Combo Sweeps, help businesses maximize idle cash, manage debt, and maintain liquidity while enabling community banks and credit unions to stay competitive in today's financial marketplace.

Payments & Products

Feb 28, 2025