Sandra Hartfield Enterprises Sandra Hartfield

Sandra Hartfield is an accomplished banking professional with specialized knowledge and extensive experience in electronic banking, off-premise check cashing and cash management programs. Sandra a pioneer in providing vault cash and bank sponsorship to the ATM industry has been instrumental in financial institutions’ understanding and support of ISOs in the US.  She has recently established a lending program, in place today, for ISOs in need of financing for working capital as well as for ATM portfolio acquisitions. For many years Sandra has played a leading role in respected industry bodies such as the ATM Industry Association, which she chairs, and the Electronic Funds Transfer Association where she currently serves as treasurer.

Expertise:
* Best practices for ISO bank sponsorship programs
* Pioneer in the development & implementation of vault cash programs for ISOs
   and Financial Institutions as well as reverse vault cash programs for atm and
   kiosk programs such as bill payments
* Lending programs for ISOs in need of financing for working capital and portfolio
   acquisitions
* Instrumental in orchestrating sellers and buyers for ATM portfolio acquisitions
* Government relations – Key roles as a successful liaison to various state and
    federal regulators and policymakers enhancing their understanding of the 
    ATM and self service industry
* Off-premise cash checking programs
* Innovator in the development of systems to enhance ATM and Kiosk advanced
   functionality

Professional Qualifications:
* 38 years of banking experience, specializing in finance & electronic banking
* Chairperson of ATMIA
* Treasurer of Electronic Funds Transfer Association (EFTA)
* 2008 Athena Award winner as Business Woman of the Year, city of Indian Wells

Bio:
* Industry Consultant
* President/CEO Electronic Banking Division - Palm Desert National Bank
* Sr. Exec. VP of Finance & Administration - Palm Desert National Bank
* Executive and management experience in a variety of retail and back room 
   banking functions

Sandra Hartfield - Resume/CV pdf (14k)