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Education & Insights


September 22, 2015

Meet Your New Cash Management Team Member: Ryan Hayward

Cash Management Account - Ryan Hayward

You know how they say when you know, you know? Well that’s exactly how we felt about our newest team member: Ryan Hayward. He was the right person in the right place at the right time, and we’re thrilled to introduce him to you. Like Candy Sculley, Ryan made the leap from a much larger bank… and he’s very excited to be at Provident.

That’s the thing about Ryan. He’s high energy, positive, ambitious, extremely enthusiastic. But he never lets his sense of fun to get in the way of his professionalism. Ryan is attentive, possesses strong industry knowledge, acts with decorum, and dresses to a T. He’s a true leader in his dealings with his colleagues, whether he has direct reports or not.

And it’s those leadership qualities that are put to good use when coaching his 4-year-old son’s soccer team. It takes a special kind of person to corral 11 four year olds, keep them engaged, and channel their energy into moving the ball toward the goal. But he does it with a smile. Because, as he says, his 4 year old and twin 6 month olds are the reason he gets out of bed in the morning. We kind of like that about him best.

Cash Management Team: How long have you been in the industry?

RH: I’ve been in the banking and financial services industry for 11 years. I recently made the switch to Provident, and this is my first full month with the organization.

How did you get your start in cash management?

RH: I was working as a lender for a different organization but selling a lot of cash management services to my clients. A senior manager asked me if I had an interest in helping the organization grow the Cash Management team.

Please briefly describe your position’s responsibilities.

RH: I work in a client-facing role where I meet with businesses to understand their internal financial process and make recommendations on ways to streamline that process and save time and money.

What is the best analogy/metaphor to describe cash management to laymen?

RH: We act like a personal trainer for business cash flow: We find ways to improve efficiency, save money, and save time.

If you had to give an elevator pitch in 60 seconds to persuade a business owner to use cash management services, what would you say?

Most businesses today already use some basic cash management services like online information reporting or electronic transfers, but many owners aren’t aware of ALL the services and efficiencies our group can offer. I’ve never sat down with a client and found that there weren’t any ways to improve their company’s financial processes. In today’s fast-paced business environment, everyone is looking for ways to cut costs, become more efficient, and spend less time completing the financial tasks that are necessary, but they may not be adding much value to their business.

I can’t make all of your worries disappear overnight, but I can make recommendations and measurable improvements that will bring you closer to your goals after just 1 to 2 meetings.

What’s your absolute favorite cash management service and why?

Lockbox. I don’t think most people realize just how much time and money you can save by using a lockbox service. When you really take into consideration the mail float, desk float, deposit float and the manual labor and hours that go into opening envelopes, preparing deposits, going to the bank, and entering deposits into your financial software, the “salary hours” really start to add up. Oftentimes the business could be reallocating those hours to time spent generating more business/sales.

What do you to do to de-stress during the hectic work day?

I try to walk and clear my head. I tend to get “down into the weeds” with most clients and situations. When I’ve been working on something for a considerable amount of time, I find that a little walk around the office or outside, where I can think about home, family, or really anything non-work related helps me to take a step back and relax. Then when I get back to my project I can often approach it with a clear head and sometimes from a different angle that I didn’t see previously.

Is there anything else you’d like to add?

Attitude is contagious. Try to smile even when it may be difficult. Co-workers, clients, family, and friends will see smiles when they think about you. When people view you as someone working toward positive change and not complaining about the negatives, you’ll be surprised how many people will learn to admire, respect, help, and even follow your leadership. Be a catalyst for change and create your own “dream job/environment” in every position you hold.

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