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This profile was last updated on 2/9/16  and contains information from public web pages and contributions from the ZoomInfo community.


Phone: (480) ***-****  
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
123 Total References
Web References
There are 2 big reasons for ..., 2 Feb 2016 [cached]
There are 2 big reasons for this, says Terence Roche, a partner at Cornerstone Advisors, a financial services consulting firm:
"Where you've really seen an expansion is call center and online support," Roche says, including through social media channels such as Twitter and through online chats on their websites.
Banks that depend heavily on consumer banking are particularly likely to extend their hours in order to attract and keep customers who like to bank at a branch but can't make it between 9 and 5, says Roche. Those that specialize in catering to businesses? Not so much.
"The bigger the retail focus, the more you expand hours," Roche says.
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.
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