Card Analysis Solutions

By way of introduction, my name is Ondine Irving. I have been part of the credit union community for over 24 years, I understand credit union philosophies as well as the challenges and opportunities faced by credit unions, particularly with credit and debit card portfolios.

I began my credit union career in 1985 at Baxter Credit Union under the leadership of Lending Solutions founder, Rex Johnson (www.rexcuadvice.com). My background includes all areas of credit union operations, statistical analysis, branch operations, accounting, card services (Credit/Debit/ATM operations) and marketing. I also worked as a Business Consultant for Certegy Card Services (now Fidelity Information Services) working with credit unions nationwide in portfolio development and marketing. In addition, I was employed at Raddon Financial Group assisting in creating and enhancing the credit card program analysis.

Card Analysis Solutions was created in 2003 to assist credit unions understand the perceived complexities of card program management. I provide credit unions with objective and independent information of the financial, operational and marketing aspects of the credit card portfolio performance.