01The Treasury Management LandscapeWhat Is Treasury Management, and Why Should a Business Care? · How Financial Institutions Make Money from Treasury Management · Navigating Your Treasury Management Operation: The Six Functions That Make It Work · Understanding Your Business User's Financial Operations · The Treasury Management Ecosystem: External Players and Relationships
02The United States Payment SystemThe United States Payment Rails: Automated Clearing House, Wires, RTP, and Beyond · Settlement, Clearing, and Finality: What Actually Happens When Money Moves · Real-Time Payments: RTP, FedNow, and the Instant Payment Conversation · Correspondent Banking and Interbank Relationships · Capstone: Tracing a Transaction From Click to Settlement
03Compliance and the Regulatory FrameworkThe Bank Secrecy Act and Anti-Money Laundering: What Every Treasury Management Professional Must Know · Know Your Customer and Customer Due Diligence: Knowing Your Business Users · Regulation E, Regulation CC, and Regulation J · Uniform Commercial Code Article 4A: The Rules Governing Commercial Wire Transfers · Capstone: Compliance in Practice, What to Do When Something Looks Wrong
04Working Capital and the Cash Conversion CycleWhat Is Working Capital, and Why It Keeps Chief Financial Officers Up at Night · The Cash Conversion Cycle: From Inventory to Cash · Operating Cash Flows and Float · Accounts Receivable: Accelerating Collections · Accounts Payable: Optimizing Disbursements · Inventory Management: Carrying Costs, Turn, and the Treasury Management Connection · Capstone: Building a Complete Working Capital Analysis
05Pricing Fundamentals and the Analysis StatementHow Treasury Management Is Priced: Fee Structures, Earnings Credit, and Relationship Economics · The Analysis Statement: Reading It, Verifying It, Building It, and Explaining It · Relationship Profitability: How Your Institution Measures Value · Capstone: The Treasury Management Proposal, Bringing It All Together
06Payment Products: Collections, Disbursements, and Fraud ControlsCollecting Faster: Remote Deposit Capture, Lockbox, and Automated Collections · Paying Smarter: Automated Clearing House Origination, Wire Services, and Controlled Disbursement · Protecting Payments: Positive Pay, Debit Filters, and Fraud Controls · Commercial Cards: Purchasing Cards, Corporate Cards, and the Rebate Conversation · Electronic Payables and Accounts Payable Automation · Online Banking and Information Reporting · Capstone: Matching Products to Business User Profiles
07Liquidity Management and Short-Term InvestingThe Cost of Idle Cash: Liquidity as a Decision, Not a Leftover · Moving Cash Automatically: Zero Balance Structures, Investment Sweeps, and Loan Sweeps · Where the Cash Sits: Deposit Products, Insured Programs, and Short-Term Investments · Earnings Credit or Yield: The Break-Even Balance and Where the Cliff Is · Capstone: Designing a Complete Liquidity Structure
08The Full Relationship: Credit, Reviews, and GrowthHow Financial Institutions Make Credit Decisions: The Credit and Treasury Management Connection · Understanding the Full Relationship: Deposits, Fees, Loans, and Cross-Sell · The Treasury Review: Running a Structured Business User Conversation · Growing Relationships: Identifying and Pursuing Expansion Opportunities · Capstone: Managing Difficult Conversations
09Pricing Strategy in PracticeHow Pricing Decisions Are Made: Cost-Plus, Market, and Relationship Pricing · Using Account Analysis as a Relationship Tool · Capstone: Pricing Strategy in Competitive Situations
10Implementation and OnboardingFrom Yes to Live: Why Implementation Is Where Relationships Are Won or Lost · Documentation, Agreements, and ACH Origination Risk · Setup, Testing, and Training the Business User's Team · Capstone: The First Ninety Days