Mike Emmons joined Ceto and Associates as a consultant in 2007. Emmons worked his way through various promotions to his current role, Vice President of Business Development. In his role, Emmons is responsible for managing and fostering relationships with banks and credit unions all over the United States and Canada to help bring each client value through our consulting services, as well as facilitating the onboarding process and assisting with client support.

Prior to joining Ceto and Associates, Emmons worked in business banking at SunTrust Bank, where he was responsible for originating commercial and small business loans, lines of credit, credit cards, as well as providing various deposit business products and services, including merchant services and cash & treasury management.

Representative Accomplishments

  • Developed relationships and worked closely with hundreds of banks and credit unions across North America on numerous types of profit improvement engagements. These engagements included the implementation of analytical software applications and various profit improvement recommendations with scopes ranging from the generation of new income through deposit and loan products to improving operational efficiency and expense reduction.

  • Managed the promotion and distribution of PC-based and web-based software applications to more than 200 financial institutions. These applications were instrumental in identifying and significantly reducing non-earning assets, particularly FRB reserve requirement balances and excess branch and ATM cash.

  • Managed the promotion and distribution of consulting services engagements to more than 150 banks and credit unions ranging from $300 million to $10 billion in total assets. These engagements included the implementation of strategies for product pricing and design, increasing non-interest income, decreasing non-interest expense, staff modeling, reducing non-FTE related expenses, as well as methodologies for improving management process and change management.


University of Central Florida, Orlando, Florida
B.S. in Business Administration, Finance