Howard Fry

Bank Partnership Executive - Co-Brand and Private-Label Cards, Portfolio M&A, Alternative Payments, FinTech and Loyalty Programs

Naples, FL

How does this work?

Creative, strategic and pragmatic partnership executive with 30+ years of experience in the partnered credit card (Co-Brand, Private-Label, Agent Bank and Affinity) and closely related point-of-sale payments, customer loyalty, and endorsed product markets. Strong acumen for developing growth strategies, managing business development teams and leading the pursuit of major strategic loyalty-based partnerships across multiple industry verticals including Retail, Travel, Hospitality, Entertainment, Banking, FinTech, Wealth Management and Professional Sports, as well as multiple Affinity markets. Adept at creating mutually beneficial partnerships designed to enhance the relationships between Clients and their Customers with an end goal of increasing sales and overall brand affinity. Additional expertise in developing "distribution" partnerships to expand the growth of existing product lines and programs via third party marketing channels, and leading M&A portfolio transactions between bank card issuers looking to shed non-strategic assets and/or acquire strategic assets from other institutions. Experience managing top client programs, P&L responsibility, developing and launching new products, entering new markets, and identifying opportunities to cross-market products and services to both new and existing clients. Personal Characteristics: Hands-on, yet highly collaborative, open and engaging leadership style, infusing a sense of humor with the ability to successfully interact with "C-Suite" colleagues and top executives of client companies. Highly advanced written and verbal communication skills. Specialties: * Partnership Strategy - Understanding client and partner needs and designing solutions to help them grow and profit. * Growth Leadership - Leading and managing business development teams to maximize both individual and team performance.

Ask me about
Cobranded Credit Cards
Product Launch
Work experience

Nov 2019 - Present

Bassett Capital Group

Managing Partner

Bassett Capital is a banking advisory firm specializing in portfolio acquisitions and divestitures, third party financial services product and platform partnerships, and P&L optimization strategies.


Oct 2012 - Nov 2019

Alliance Data

Vice President & Director of Co-Brand Partnerships

Alliance Data (NYSE:ADS) is a Marketing & Loyalty company as well as an issuer of Private-Label and Co-Brand Credit Card programs.

Mar 2009 - Oct 2012

Independent Consultant

Credit Card, Banking, Financial Services Loyalty & Partnership Consultant

Provided Sales and Business Development consulting services in the Banking, Credit Card, and Loyalty Marketing spaces.


Jul 2010 - Jun 2011

International SOS

Head of Enhancement Segment - Americas

International SOS provides global banks, financial services firms and travel companies with a suite of emergency assistance, concierge, and luxury lifestyle services for their most affluent customer segments. Enhancement Segment clients "white label" International SOS' assistance services under their own respective brands as an extension of their highest tier product or service value propositions.

Oct 2006 - Feb 2009

GE Capital (now Synchrony Financial)

Head of Sales

GE Capital, now Synchrony Financial (NYSE:SYF) following a 2014 spin-off, is a leading issuer of Private-Label and Co-Brand credit card programs. Reporting to two CEO's, oversaw sales for both Retail Consumer Finance and Personal Finance divisions.


Feb 2001 - Oct 2006

The Kessler Group

Senior Vice President - MBNA Partnership Sales

Best known for inventing the affinity credit card business and making MBNA the global market leader in the partnered card space, Kessler played the primary role in developing new Co-Brand, Affinity and Agent Bank partnerships for MBNA (now Bank of America). Led sales in all "For-Profit" sectors for MBNA including Retail, Travel, Sports & Entertainment, and Financial Institutions.

Feb 2000 - Jan 2001

Zurich Scudder Investments (D.B.A.

Chief Partnership Officer was a start-up Health & Wealth content web site owned by Scudder Investments and its parent, Zurich Intl., that was founded in partnership with the AARP. Ceased operations 1/2001. Responsible for revenue strategy, led a small sales team pursuing partnerships in the Healthcare, Financial Services, and Consumer Goods sectors.

Jun 1995 - Feb 2000

First USA (now Chase Card Services)

VP - Partnerships

First USA Bank, which was acquired by Bank One in 2000 and by JP Morgan Chase in 2004, remains a leader in Co-Brand Card card space. Led a small team of partnership sales execs in the Co-Brand, Sports & Entertainment, and Internet sectors.

Dec 1989 - Jun 1995

Household International (now Capital One)

Assistant Vice President - National Sales

Household Retail Services, which was acquired by HSBC in 2002 and then by Capital One in 2012, was a leader in the Private-Label credit card space.


1983 - 1988

University of Illinois

BA, Communications

Bachelor's degree in Communications with concentration on Public Relations

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