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Beyond Profit: Redefining Success in the Credit Card Industry

March 20, 2024 by Karen

Phoenix Business Radio

Beyond Profit: Redefining Success in the Credit Card Industry

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Beyond Profit: Redefining Success in the Credit Card Industry

This Business RadioX episode features an engaging conversation between Karen Nowicki and guests Paul Mulhern and Dave Graybill, who discuss their innovative approach to disrupting the credit card processing industry while giving back to communities. Initially skeptical, Dave’s experience during a charity motorcycle ride led him to recognize the benefits of MBCard services in a whole new way.

Paul and Dave highlight the program’s transparency, compliance, and commitment to social impact, showcasing examples of its benefits for businesses, nonprofits, and even churches. Despite facing a few challenges in convincing some businesses and NPO’s that there really is no risk and “no catch” their mission and enthusiasm for the opportunity is gaining traction.

Throughout the episode, the conversation revolves around the theme of collaboration in driving positive change. Paul and Dave’s commitment to giving back to the community through their program, coupled with their efforts to educate and engage businesses, underscores the transformative potential of their approach. Karen and the guests express excitement about the program’s possibilities and discuss strategies for expanding its reach through word-of-mouth, social media, and other channels. The episode concludes with a sense of optimism and mutual support, highlighting the importance of partnerships in advancing social causes and fostering meaningful change in an industry that could use a makeover.

Mulhern Bankcard, Inc. “MBCard” has been in the merchant services industry since 1985 providing credit card merchant services to businesses across the US, Canada, Mexico, and Europe. Paul Mulhern our President has over 37 years in the merchant service industry experienced with a demonstrated history of leading teams and growing merchant portfolios.

Skilled in Contract Negotiations, Sales Management, Business Relationship Management, Marketing Strategy and Credit Card Interchange management. MBCard has been helping businesses with their processing solutions since 1985. Our solution offers your customers the choice whether to pay the fees.

Paul Mulhern has been in the merchant services industry since 1985 setting up customers all across the US to accept credit cards as the form of payment for their businesses.

He sat on the advisory board for national city processing and has sold his book of business twice.

Connect with Paul on LinkedIn.

Dave Graybill is a visionary leader, speaker, author, serial entrepreneur, philanthropist, and community organizer. He has a penchant for challenging the status quo and is known nationally as someone who fights for justice and champions change.

Dave is a former professional baseball player, retired firefighter, and co-founder of multiple tech companies. He is also the author of Pink Heals: The Mending of America, a book that only scratches the surface of this highly dynamic man.

When he is not working, Dave volunteers his time and creates movements that inspire and motivate communities to do more for one another.

Connect with Dave on LinkedIn.

Giving Power Back to Small Business E129

November 2, 2022 by Karen

Phoenix Business Radio

Giving Power Back to Small Business E129

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Giving Power Back to Small Business E129

Paul Mulhern joined the Tycoons to talk about how he is working to put power back into the hands of business owners. From the very beginning you can tell that Paul’s buzzword is “free” and he strives to do everything he can for small business owners. His company, MBCARD, is all about allowing businesses the power to control their money from start to finish while providing full transparency to all his employees. With so many businesses going cashless, Paul knows how important it is to have systems that work.

Tune in to see exactly how Paul works to give small businesses a leg up and give power back to the business owners. Learn more about Paul at www.mbcard.com and read about his program at www.visa-usa.co.

It’s 1985, Mulhern Bankcard, Inc. dba MBCard set up businesses in the US to accept credit/debit cards, checks, gift cards, etc. as a form of payment for their businesses.

Our new program our customers do not have to pay for credit card processing and it comes with free credit card processing equipment. All businesses qualify – retail, e-commerce, and MOTO.

Paul Mulhern has been in the merchant services industry since 1985 setting up customers all across the US to accept credit cards at the form of payment at their businesses.

He sat on the advisory board for national city processing and has sold his book of business twice.

Connect with Paul on LinkedIn and follow MB Card on Facebook.

About the Show

Tycoons of Small Biz spotlights the true backbone of the American economy, the true tycoons of business in America… the owners, founders and CEO’s of small businesses. Join hosts, Austin L Peterson, Landon Mance and the featured tycoons LIVE every Tuesday at 1 pm, right here on Business RadioX and your favorite podcast platform.

About Your Hosts

Austin Peterson is a Comprehensive Financial Planner and co-founder of Backbone Planning Partners in Scottsdale, AZ. Austin is a registered rep and investment advisor representative with Lincoln Financial Advisors. Prior to joining Lincoln Financial Advisors, Austin worked in a variety of roles in the financial services industry.

He began his career in financial services in the year 2000 as a personal financial advisor with Independent Capital Management in Santa Ana, CA. Austin then joined Pacific Life Insurance Company as an internal wholesaler for their variable annuity and mutual fund products. After Pacific Life, Austin formed his own financial planning company in Southern California that he built and ran for 6 years and eventually sold when he moved his family to Salt Lake City to pursue his MBA.

After he completed his MBA, Austin joined Crump Life Insurance where he filled a couple of different sales roles and eventually a management role throughout the five years he was with Crump. Most recently before joining Lincoln Financial Advisors in February 2015, Austin spent 2 years as a life insurance field wholesaler with Symetra Life Insurance Company. Austin is a Certified Financial Planner Professional and Chartered Life Underwriter. In 2021, Austin became a Certified Business Exit Consultant® (CBEC®) to help entrepreneurs plan to exit their businesses.

Austin and his wife of 23 years, Robin, have two children, AJ (21) and Ella (18) and they reside in Gilbert, Arizona. He is a graduate of California State University, Fullerton with a Bachelor of Arts in French and of Brigham Young University’s Marriott School of Management with a Master of Business Administration with an emphasis in sales and entrepreneurship.

Connect with Austin on LinkedIn, Facebook, Twitter, and Instagram.

Landon Mance is a Financial Planner and co-founder of Backbone Planning Partners out of Las Vegas, Nevada. He rebranded his practice in 2020 to focus on serving small business owners after operating as Mance Wealth Management since 2015 when Landon broke off from a major bank and started his own “shop.”

Landon comes from a family of successful entrepreneurs and has a passion and excitement for serving the business community. This passion is what brought about the growth of Backbone Planning Partners to help business owners and their families. At Backbone Planning, we believe small business owners’ personal and business goals are intertwined, so we work with our clients to design a financial plan to support all aspects of their lives.

In 2019, Landon obtained the Certified Exit Planning Advisor (CEPA) designation through the Exit Planning Institute. With this certification, Backbone Planning Partners assists business owners through an ownership transition while focusing on a positive outcome for their employees and meeting the business owner’s goals. Landon is also a member of the Business Intelligence Institute (BII) which is a collaborative group that shares tools, resources and personnel, and offers advanced level training and technical support to specifically serve business owners. In 2021, Landon became a Certified Business Exit Consultant® (CBEC®) to help entrepreneurs plan to exit their businesses by counseling owners about exit options, estimating the value of the business, preparing the business for exit and tax considerations.

Landon enjoys spending time with his beautiful wife, stepson, and new baby twins. He grew up in sunny San Diego and loves visiting his family, playing a round of golf with friends, and many other outdoor activities. Landon tries to make a difference in the lives of children in Las Vegas as a part of the leadership team for a local non-profit. He regularly visits the children that we work with to remind himself of why it’s so important to, “be the change that you wish to see in the world.”

Landon received his B.S. from California State University Long Beach in business marketing and gets the rest of his education through the school of hard knocks via his business owner clients.

Connect with Landon on LinkedIn.

After serving in C-level finance and operational roles for multiple entrepreneurial companies, Ryan Weissmueller realized his dream to serve the entrepreneurial community even further by founding Fintrepid Solutions.

Using nearly two decades of experience with the creation, growth and ongoing support of small and midsize businesses, Ryan has developed a rich skill set in delivering customized, nimble solutions to support leadership teams and their companies as they face new challenges at various stages over time.

Successful businesses face new challenges as they evolve over time. Fintrepid Solutions exists to help its clients navigate those challenges, providing clarity and confidence so they can become more sustainable, more profitable and more valuable.

Having supported nearly 100 clients since its founding in 2016 the Fintrepid Solutions team delivers customized solutions for each client, combining both strategy and execution to achieve business goals.

For its efforts partnering with businesses seeking to buy and sell, Fintrepid Solutions received the 2020 M&A Firm of the Year for the Southwestern US by Acquisition International.

Follow Fintrepid Solutions on LinkedIn and Instagram.

Caring for Employees Through Self Care E27

September 29, 2022 by Karen

E27-Caring-for-Employees-Through-Self-Care-feature

Phoenix Business Radio

Caring for Employees Through Self Care E27

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Caring for Employees Through Self Care E27

Culture is a hard thing to measure but that doesn’t mean that it shouldn’t be an area that companies continue to focus priority on. It might be hard to track culture with metrics (and things like self care for employees) but it is possible and your company will see the long term shifts in the revenue, retention, and overall company improvements when focusing on company culture.

Kathleen and Neville have such amazing backgrounds and experiences in the space of self care, meditation, and human centered leadership support that it led the conversation to a deeper level. Self care and mental health directly relates and connects to the culture of the company and the employees that work there.

Culture is the web that connects and fuels everything that is part of the company; feelings, values, mission, people, and more. We discussed the need to create a visual map or web that might show this, but even then we might be able to add in everything that matters in culture.
Retention
Success
Customer support
Balance

There are companies out there that are successfully starting to incorporate self care and mental health into the workplace (such as Banner Health and EvolvedMD), but we are hoping that others can start to find these ways as well.

If you are searching for a conversation about bringing self care into the workplace and hearing about the importance behind it- this is your podcast. Kathleen’s company focuses on growing culture through supporting the employees with the self care journey (we talk about the science behind this too). Neville is an executive with his company but very focused on the deeper levels of people and shows this through the conversation.

By the end of the show, they discussed that there was a need for another episode. It wouldn’t be a part two that would extend the conversation, it would be a part two that would give folks tangible steps on dealing with stressful situations, breathing techniques, and meditation practices. We will keep everyone updated, but this follow up show will be in the works soon!

Mission Federal Credit Union is a $5.5B not-for-profit, and the largest financial services organization exclusively serving San Diego.

Mission Fed received Consumer Reports highest rating for all national banks or credit unions in 2015 and 2018, the BBB Torch Awards for Ethics in 2015 and 2017, Forbes rating as one of the best State Credit Unions and highest ranked local credit union in 2018 and best in the state in 2019, the Union Tribune’s Top Workplace Award for 2020 and the highest ranked local credit union on the Forbes America’s Best Credit Unions for 2022.

Neville Billimoria is an effective communications and values leader, growing organizations through external marketing, media, and sales effectiveness, as well as internal organizational alignment, corporate communications, and leadership development. He brings experience, energy, and empowerment to his leadership role as SVP Membership/Marketing and Chief Advocacy Officer at Mission Federal Credit Union.

After graduating from UC San Diego, Neville has remained involved on the UCSD Alumni Board since 2008, as well as teaching martial arts, yoga, and meditation on campus for the last 40 years. Other current Board service includes the North County Philanthropic Council Executive Committee, Real World Scholars Board, and was recently appointment to the Girl Scouts San Diego Board.

Prior board and volunteer service includes serving on the Ackerman Foundation Board, the Alliance 4 Empowerment Board, AFP- National Philanthropy Day Honorary Committee, Mission Fed Community Foundation Secretary, San Diego Nonprofit Association Board, Cause Conference Co-Chair 3 times, Advisor to the Conscious Capitalism SD Board & Founder of the Chamber of Purpose SD.
He is a frequent speaker on topics including brand as culture, purpose-driven leadership, social capital optimization and civic engagement for maximum impact.

Connect with Neville on LinkedIn.

Kinessage LLC supports performance, culture, and wellness-conscious organizations, empowering leaders, managers, and teams to live more productively, confidently, and collaboratively.

Self-empowered health is taught through interactive self-activated body/mind programs that neutralize stress, release chronic tension and pain, and increase mental resiliency and long-term health for greater overall well-being.

Kathleen Gramzay is the Founder and CEO of Kinessage LLC. She is a Body/Mind Resilience & Self-Care Expert, Speaker, Developer of Kinessage® Mindful Resilience, and the Kinessage® Release Your Pain Virtual Self-Care System.

Kathleen applies assessment skills to business helping companies solve people issues at their root cause – chronic stress, pain, and tension. She is passionate about providing leaders and teams with self-activated body/mind skill sets that restore and build mental and physical resilience to be and do their best.

Connect with Kathleen on LinkedIn.

About Culture Crush

Culture is not just a tag word to be thrown around. It is not something you throw in job descriptions to draw people to applying for jobs within a company.

According to Marcus Buckingham and Ashely Goodall in their book Nine Lies About Work, “Culture is the tenants of how we behave. It’s like a family creed. This is how we operate and treat each other in the family.”

As a growing company- Culture Crush Business Podcast is THE culture improvement resource that supports companies and leaders. Our Mission is to improve company cultures so people WANT to go to work. Employees and leaders should like where they work and we think this is possible.

Within the company: Culture Crush has Vetted Resources and Partnerships with the right people and resources that can help improve your company culture.

On this podcast: We focus on everything surrounding businesses with good company culture. We will talk with company leaders to learn about real-life experiences, tips, and best practices for creating a healthy work environment where employees are finding joy and satisfaction in their work while also striving and growing within the company. We also find the companies that offer resources to help improve company culture and showcase them on the show to share their tips and tricks for growing culture.

About the Host

Kindra Maples is spartan racer, past animal trainer, previous magician’s assistant, and has a weakness for Oreo cookie shakes. Her journey working with people actually started working with animals as a teenager (don’t worry we won’t go that far back for her bio).

She worked for over 15 years in the zoo industry working with animals and the public. Her passion of working with animals shifted into working with people in education, operations and leadership roles. From there her passion of leadership and helping people develop has continued to grow.

Then came the opportunity for leading the Culture Crush Business Podcast and she jumped on it. Leadership, growth, and strong company cultures are all areas that Kindra is interested in diving into further.

Shout Outs

We want to thank a few people for their behind the scenes effort in helping this relaunch to come to life. James Johnson with Tailored Penguin Media Company LLC.– It is a small, but powerful video production company with a goal to deliver the very best by articulating the vision of your brand in a visually creative way. Gordon Murray with Flash PhotoVideo, LLC. -Flash Gordon has been photographing since high school and evolving since then with new products that will equip, encourage, engage, and enable. Renee Blundon with Renee Blundon Design – She is not only one of the best free divers (that’s not how she helped with the podcast) but she is great with graphics design and taking the direction for the vision that you have while also adding creative ideas to bring to your vision to life.

These are just a few of the folks that supported the relaunch of the podcast. If you would like to be part of the Culture Crush team or would like to support underwriting the show- please reach out: info@culturecrushbusiness.com

ATLANTA’S BUSINESS LEADERS: Adam Harrell of Nebo Agency, Doug Hardman of Payscape and Tim Mitchell of HR Outsourcing

July 1, 2015 by Mike

Gwinnett Studio

ATLANTA'S BUSINESS LEADERS: Adam Harrell of Nebo Agency, Doug Hardman of Payscape and Tim Mitchell of HR Outsourcing

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Mike Sammond, Adam Harrell, Doug Hardman, Tim Mitchell, Louis Rosas

Adam Harrell/Nebo Agency

Nebo is a human-centered digital agency. They believe that great work comes from understanding the needs, wants and perceptions of your audience. This human-centered approach informs everything they do. With expertise in digital marketing strategy, web design, user experience, SEO, paid media, digital public relations, social media marketing and analytics, Nebo has helped its clients achieve their digital goals.

Doug Hardman/Payscape

Payscape provides financial technology solutions and credit card processing to businesses, both big and startup, with dreams of becoming the best companies in the world.

Tim Mitchell/HR Outsourcing, Inc.

HROI (HR Outsourcing, Inc.) is a PEO (Professional Employer Organization) that provides a bundled solution for payroll, employee benefits, workers comp, and HR services.

Tricia Alvarez, Ronnie Strawberry and Kellyann Gerrow with Eliot Management Group

February 4, 2015 by Mike

Silver Lining in the Cloud

Tricia Alvarez, Ronnie Strawberry and Kellyann Gerrow with Eliot Management Group

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Ronnie Strawberry, Kellyann Gerrow, Tricia Alvarez, Anthony Lewis, Dom Rainey

Tricia Alvarez, Ronnie Strawberry & Kellyann Gerrow/Eliot Management Group

Eliot offers a variety of electronic payment services, terminals, and products to grow your business. They work with businesses owners nationwide, but it’s their personal service that sets them apart. They develop one-on-one relationships with their merchants, helping them develop a program to meet their unique needs.