Joseph A. Voica

Visionary
DISC Type : Ds

SVP - Embedded Payments in Global Treasury Management at U.S. Bank

North Andover, Massachusetts, United States

Overview

Joseph is the SVP of Embedded Payments at U. S. Bank, with deep international experience leading sales at MasterCard, Bank of America, and Experian. An MBA from the University of Wisconsin-Madison, colleagues describe him as a professional, results-driven, and gifted strategist focused on FinTech and B2B/B2C verticals.

Outside of his extensive career in financial services, Joseph is an alumnus of the University of Wisconsin-Madison, where he earned both his Bachelor of Science and MBA degrees. His connection to the university suggests a likely interest in its community and collegiate sports.

Unique fact: He has a proven track record of turning around underperforming business units, having reversed negative sales trends at both Harte Hanks and Bank of America.

Personality Overview

Fast But Thoughtful

Risk Tolerant

Objective Evaluator

They exhibit a rare combination of being result-oriented but patient at the same time.  They might take some time to make their mind up but once they do, they don't change it easily. Reading between the lines and seeing beyond your words comes naturally to them.

Topics They Care About

Embedded Payments
As SVP at U. S. Bank, he leads a team of consultants specifically pursuing embedded payment and FinTech opportunities.
FinTech Innovation
His recent background as President of Fintainium and CRO at OpenPayd shows a deep involvement in Banking as a Service (BaaS) and working capital platforms.
Sales Team Turnaround
He has a history of reversing negative sales performance at multiple companies, including Harte Hanks and Bank of America Merchant Services.

Media Appearances

Joseph has no verified media appearances

Work History

5-2023
SVP - Embedded Payments in Global Treasury Management at U.S. Bank
2-2022 - 5-2023
Chief Revenue Officer - Americas & New Markets at MSB USA - OpenPayd at OpenPayd
7-2019 - 2-2022
President - Fintainium (Formally ePayRails) at Fintainium Inc
Executive Vice President – Chief Client and Revenue Officer at Harte Hanks
Senior Vice President of Sales at Bank of America Merchant Services

Education

Master of Business Administration - MBA from University of Wisconsin-Madison
Bachelor of Science - BS from University of Wisconsin-Madison

More Information

Social Presence :

Prographics :

Exp : 6 Location : North Andover, Massachusetts, United States Job Level : Leadership Designation : SVP - Embedded Payments in Global Treasury Management at U.S. Bank
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Insights For Selling To Joseph A.

During A Call Or A Meeting

DO's

  • Let them know of potential risks but suggest mitigation methods alongside
  • You can spend time on BANT (or other qualification methodology) but keep it to the point
  • During followups, use phone or text if needed, they should be fine

DONT's

  • Don't focus too much on mutual contacts or bother about other stakeholders, focus on them
  • Don't take their patience for granted, avoid long-winding sermons
  • Avoid putting conscious effort into relationship-building

When Cold Calling

When Writing An Email

While Negotiating & Closing

    The secret to closing fast with Joseph A. is

  • Strong proof of impact and their conviction will matter the most, but they wouldn't want to act unilaterally either
  • Will you ever get a clear answer from Joseph A.

  • They will say no if they are not convinced but you will have to prompt them.

Insights For Deal Planning

    How fast (or slow) will Joseph A. move?

  • They will want to understand things well but can move fast once they have a clear picture.
  • Can Joseph A. take some risk or not?

  • They have good risk tolerance but are likely to think it through once or twice.

You And Joseph A.

Personality Compatibility


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