Operating Efficiency Ratio

execution support to deliver real and sustainable improvements

The true value of managing Operating Efficiency Ratio comes in identifying the critical factors of your business performance, and devising and implementing a strategic, actionable plan to create real improvement. Our process examines both revenue and expense improvements and delivers an actionable roadmap of initiatives. Plus, we can provide execution support to deliver real and very sustainable performance improvements.


Working with one financial institution, North Highland identified 44 distinct opportunities with identified revenue and expense improvements valued at millions.

Scott Mullen, Ph.D.

Scott is a former national bank executive with more than 25 year of industry banking experience. He has managed banks internationally and in the United States and has been responsible for multi-channel operations and integration at many levels within banking. Scott helps clients with channel strategies, financial service process improvements, efficiency initiatives, branch and call center strategies, customer segmentation and integration, new product designs, debit and credit card operations, reporting and statistical analysis. He holds a Ph.D. and an MBA from Our Lady of the Lake University, and a BSBA from Southern Illinois University.

Need an Expert to speak at your next event?