Share This Profile
Share this profile on Facebook.
Link to this profile on LinkedIn.
Tweet this profile on Twitter.
Email a link to this profile.
See other services through which you can share this profile.
This profile was last updated on 11/23/15  and contains information from public web pages and contributions from the ZoomInfo community.


Phone: (480) ***-****  HQ Phone
Email: t***@***.com
Cornerstone Advisors , Inc.
4725 N. Scottsdale Road Suite 250
Scottsdale , Arizona 85251
United States

Company Description: Cornerstone Advisors was formed by some of the financial industry's most respected strategy and technology consultants. Our goal is to continue building an advisory...   more

Employment History

Board Memberships and Affiliations


  • BA
    University of California at Berkeley
122 Total References
Web References
Terence Roche - “Shatter ..., 20 Jan 2015 [cached]
Terence Roche - “Shatter Me� by Linsdey Stirling (featuring Lzzy Haleby)
Big thanks to Terence Roche and Jim Burson for their contributions to this article.
Terence Roche In the world of issuers and card brands, there is now an innovator asking to take “just one thin wafer� of interchange revenue. Where does it go from here? No one really knows. Cornerstone Founder Terence Roche concluded, “It seems to me like the big question is whether Apple plans to disrupt that at some point.�
Cornerstone Advisors' Terence ..., 12 Jan 2013 [cached]
Cornerstone Advisors' Terence Roche talks channel strategies in Seattle.
Credit unions have lots of channels to manage including ATMs, home banking, bill payment, mobile, social media, call centers, branches, online loan applications, online account opening.
Managing all these channels could become overwhelming. But having a strategy will help, said Terence Roche, principal of CUES Supplier member and strategic provider Cornerstone Advisors, Inc., Scottsdale, Ariz., at the CUES School of Product and Channel Management™, happening this week in Seattle.
For each delivery channel, ask: What are you trying to accomplish? He suggested framing each delivery channel in one of the following goals:
For every 120 accounts (not memberships), CUs open, they close 100, Roche said. In some cases, a channel might not be profitable but it helps keep members, he added.
Social media might be here now, Roche said.
"A channel has to do one of these five or it does (number) six," he said.
A lot of people want to add an additional "significantly increased service and member satisfaction" category for channels that provide a service to members, Roche said. But, he suggested, if the channel truly does these things, it should be contributing to "either one, two, or three."
He suggested creating a spreadsheet of each delivery channel at your credit union and designating which of the above goals best fits it.
Next, you need metrics for each channel and each of the above five categories. Roche suggested the following rules for setting metrics.
A few big ones are better than a boatload of smaller ones. Tie them back to strategy. "If the No. 1 goal for the call center is to cross-sell, am I going to beat them up for calls per agent per day? I don't think so," Roche said.
During the session, Roche suggested several different metrics for each delivery system.
"The more you can't come up with a metric, the more it's R and D," Roche said.
CUES - Members Only, 6 Jan 2010 [cached]
By Terence Roche, principal, Cornerstone Advisors Inc., CUES' partner in CUES Tech Port
CUES Tech Port : The CUES Tech Port Team, 25 Dec 2002 [cached]
Terence RocheManaging Director of Systems and OperationsCornerstone Advisors, Inc.
Terence Roche has over 20 years of direct experience in bank operations.Before founding Cornerstone, Terence served as a Managing Director at M ONE, Inc., where he built the firm's highly successful vendor selection practice.Previously, he was Senior Vice President of Systems and Technology of Bay View Federal Bank in San Francisco.Prior to that he was Manager of Retail Banking Sales and Branch Administration at the bank.He also supervised the Human Resources and Facilities groups.
Terence specializes in community bank systems planning and products and strategic planning.He holds a BA from the University of California at Berkeley.He has taught at the BAI and ACB banking schools and is a faculty member of the University of Wisconsin Graduate School of Banking.He has been published in various banking periodicals, including the American Banker and Bank Technology News.
Terence ..., 2 Oct 2010 [cached]
Terence Roche,Cornerstone Advisors, Inc. - Principal
Terence Roche brings to his position as principal at Cornerstone Advisors more than 25 years of experience in banking and consulting. Prior to founding Cornerstone, Terence was a Managing Director at M ONE, Inc., where he built the firm's highly successful vendor selection practice. Before M ONE, Terence served as Senior Vice President of Systems and Technology at Bay View Federal Bank in San Francisco. Prior to that, he was Manager of Retail Banking Sales and Branch Administration after a stint supervising Human Resources and Facilities groups.
Among Terence's many accomplishments, he has directed numerous core system conversions and installations, has managed the MIS and Operations functions of a $4 billion bank, installed the first incentive plan for branches and brokers in a $5 billion bank, and served as Retail Banking Division Manager of a 44-office bank in Northern California.
Terence has been invited to speak before various bank and credit union conferences, including BAI's Retail Delivery and Internet Delivery/Risk Management conferences. He has spoken before the client meetings and user conferences of numerous vendors. An expert in bank systems and technology, Terence is among the authors of The Cornerstone Report: Benchmarks and Best Practices for Mid-Size Banks, The Cornerstone Report: Benchmarks and Best Practices for Credit Unions and The Mid-Sized Bank Study 2002. Terence displays his far-reaching knowledge as a frequent contributing author on GonzoBanker and CUES Technology Edge. He has been published in numerous banking periodicals, including American Banker, Bank Technology News, Independent Banker and Credit Union Management (CUES).
Terence holds a BA from the University of California at Berkeley. He has taught at the BAI and ACB schools of banking and is a faculty member of the University of Wisconsin Graduate School of Banking.
Other People with the name "Roche":
Other ZoomInfo Searches
Accelerate your business with the industry's most comprehensive profiles on business people and companies.
Find business contacts by city, industry and title. Our B2B directory has just-verified and in-depth profiles, plus the market's top tools for searching, targeting and tracking.
Atlanta | Boston | Chicago | Houston | Los Angeles | New York
Browse ZoomInfo's business people directory. Our professional profiles include verified contact information, biography, work history, affiliations and more.
Browse ZoomInfo's company directory. Our company profiles include corporate background information, detailed descriptions, and links to comprehensive employee profiles with verified contact information.