Patricia Duffek
Sarasota,FL
Summary
Results-driven payments and lending industry professional with 20+ years of experience driving revenue growth, client retention, strategic partnerships, and payment optimization across ACH, debit card, credit card, instant funding, and real-time payment solutions. Trusted advisor to consumer lenders, auto finance organizations, credit unions, and technology partners with a proven history of exceeding sales goals, expanding strategic accounts, and delivering measurable business outcomes. Recognized as a multi-year Presidents Club Award winner for outstanding sales performance and client success. Expertise includes strategic account management, Fintech partnerships, payment optimization, sales enablement, revenue generation, and cross-functional leadership.
Overview
24
24
years of professional experience
Work History
PAYMENT EXPERT / STRATEGIC ACCOUNTS
REPAY (Realtime Electronic Payments)
Sarasota, FL
01.2016 - Current
- Manage and expand a diverse portfolio of small business, mid-market, and enterprise lending and auto finance clients, driving revenue growth and long-term client retention.
- Advise clients on ACH, debit card, credit card, instant funding, and real-time payment strategies to improve authorization rates and reduce payment returns.
- Identify new revenue opportunities through product expansion, strategic account planning, and payment optimization initiatives.
- Conduct executive business reviews focused on payment performance, operational efficiency, funding success, and portfolio growth.
- Serve as a trusted advisor to lenders, dealers, and executive stakeholders, helping maximize payment performance and profitability.
- Consistently exceed revenue targets through new business development and account expansion initiatives.
- Achieved an 85% close rate on qualified opportunities.
- Increase client revenue through upselling, cross-selling, and strategic account management.
- Lead payment strategy discussions to improve approval rates, reduce transaction declines, and enhance customer payment experiences.
- Support integrations with Loan Management Systems (LMS), Dealer Management Systems (DMS), mortgage servicing platforms, credit union core systems, collection software, and proprietary technology platforms.
- Collaborate with underwriting, risk, product, engineering, and operations teams to deliver customized payment solutions.
SENIOR ACCOUNT EXECUTIVE
FTD Credit Card
Downers Grove, IL
02.2015 - 08.2016
- Generated new sales revenue through strategic prospecting and relationship management.
- Developed marketing strategies supporting inside sales, outside sales, and technical teams.
- Increased existing customer revenue through consultative sales and payment solution recommendations.
- Reprogrammed credit card terminals, gateways, point-of-sale systems, and eCommerce solutions.
- Negotiated contracts and conducted merchant presentations.
- Performed cost analysis reviews to identify savings opportunities and improve merchant profitability.
SENIOR ACCOUNT EXECUTIVE
MPC Bankcard / PPS
Schaumburg, IL
07.2007 - 02.2015
- Generated new business revenue while retaining and expanding existing client relationships.
- Developed and executed marketing strategies that increased sales performance.
- Built and maintained an extensive network of merchants and referral partners.
- Consulted merchants on payment processing solutions, cash advance programs, and revenue optimization strategies.
- Negotiated contracts and conducted presentations to prospective clients.
- Provided comprehensive payment processing cost analyses and customer support.
ACCOUNT EXECUTIVE
Encore Credit Corporation / Bear Stearns
Downers Grove, IL
01.2004 - 07.2007
- Generated sales revenue through relationship management and business development initiatives.
- Assisted financial planners in achieving sales goals and expanding client relationships.
- Utilized internet-based lead generation and B2B prospecting strategies.
- Conducted sales presentations and developed marketing materials for broker firms.
- Maintained strong customer relationships and referral networks.
- Managed multiple accounts simultaneously while maintaining organization and prioritizing tasks efficiently.
- Led negotiations on high-value contracts, ensuring favorable terms for both clients and company.
- Exceeded sales targets consistently by identifying new business opportunities and creating customized solutions for clients.
ACCOUNT MANAGER
National City Bank
Hoffman Estates, IL
01.2003 - 01.2004
- Processed conforming, FHA, and non-prime mortgage loans.
- Assisted loan officers with mortgage purchases, refinancing, home equity lines of credit, and second mortgages.
- Managed loan funding, quality control reviews, rate locks, and closing coordination.
- Supported compliance and audit requirements throughout the lending process.
Skills
- ACH Payments
- Debit Card Payments
- Credit Card Payments
- Instant Funding
- Real-Time Payments (RTP)
- Consumer Lending
- Auto Finance
- Strategic Account Management
- Revenue Growth
- Client Retention
- Payment Optimization
- Fraud Prevention Solutions
- Business Development
- Partnership Management
- Consultative Sales
- Contract Negotiation
- Loan Management Systems (LMS)
- Dealer Management Systems (DMS)
- Mortgage Servicing Platforms
- Credit Union Core Processing Systems
- Collection & Recovery Software
- Payment Gateway Integrations
- Fintech Partnerships
- Sales Training & Enablement
- Enterprise Sales
- Cross-Functional Leadership
Accomplishments
- - Presidents Club Award Winner – 2018, 2021, and 2024
- - Drove adoption of ACH, debit card, credit card, and instant funding solutions across consumer lending and auto finance portfolios.
- - Expanded strategic account portfolios while maintaining high client satisfaction and retention.
- - Generated significant revenue growth through partner development and client expansion initiatives.
- - Established and managed strategic LMS and DMS partnerships that increased merchant acquisition opportunities.
- - Increased payment volume and recurring revenue growth across enterprise and mid-market portfolios.
Affiliations
- Consumer Finance Associations
- - American Financial Services Association (AFSA)
- - Texas Consumer Finance Association
- - Oklahoma Consumer Finance Association
- - Wisconsin Consumer Finance Association
- - Louisiana Consumer Finance Association
- - Mississippi Consumer Finance Association
- - Alabama Consumer Finance Association
SALES TRAINING & ENABLEMENT
- - Train and mentor new sales representatives on payment solutions, consultative sales methodologies, and sales processes.
- - Deliver onboarding and ongoing training on omnichannel payment solutions, including ACH, debit card, credit card, and instant funding products.
- - Conduct merchant demonstrations, pricing presentations, and solution overviews.
- - Develop sales talk tracks, discovery frameworks, and objection-handling strategies that improve conversion rates.
- - Provide guidance on merchant qualification, pricing strategy, proposal development, and solution recommendations.
- - Partner with sales leadership to drive consistent messaging and value-based selling practices.
STRATEGIC PARTNERSHIP MANAGEMENT
- - Manage and expand relationships with Loan Management Systems (LMS), Dealer Management Systems (DMS), mortgage servicing platforms, credit union core systems, collection software providers, and fintech partners.
- - Identify, recruit, and develop new technology partnerships that expand market reach and increase merchant acquisition opportunities.
- - Lead integration discussions between partners, product teams, and engineering resources to ensure successful implementations.
- - Conduct weekly and quarterly business reviews to evaluate performance and identify growth opportunities.
- - Train partners on merchant onboarding, reporting tools, portal administration, and marketing resources.
- - Serve as the primary liaison between partners, sales teams, implementation teams, and executive stakeholders.
Timeline
PAYMENT EXPERT / STRATEGIC ACCOUNTS
REPAY (Realtime Electronic Payments)
01.2016 - Current
SENIOR ACCOUNT EXECUTIVE
FTD Credit Card
02.2015 - 08.2016
SENIOR ACCOUNT EXECUTIVE
MPC Bankcard / PPS
07.2007 - 02.2015
ACCOUNT EXECUTIVE
Encore Credit Corporation / Bear Stearns
01.2004 - 07.2007
ACCOUNT MANAGER
National City Bank
01.2003 - 01.2004