Agent Credit Card Programs: Structure, Strategy, and Impact

Live Webinar:  September 10 | 2 PM ET



With growing operational demands, rising cardmember expectations, economic pressures, and evolving regulations, more credit unions are rethinking how they manage their credit card portfolios. Agent credit card programs are gaining traction as a smart, sustainable solution.

In this session, you’ll learn:
  • The key differences between agent programs and traditional in-house credit card issuing — and what that means for your bottom line.
  • How revenue, risk, and rewards are structured under the agent model.
  • The balance sheet and other resource benefits of an agent model.
  • What to expect in terms of roles, responsibilities, and member experience when partnering with an agent issuer.

Whether you're evaluating alternatives or just exploring options, join us for a candid conversation about how the agent model can help your credit union grow without overextending resources.


Presented in partnership:
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Speaker Information:

Timothy Kolk
President, TRK Advisors


Timothy brings three decades of experience in the credit card industry, including direct card program management within a commercial bank issuing environment, as well as an independent advisor to hundreds of card portfolio evaluations. Recognized industry-wide as leading expert on credit card program design, portfolio optimization techniques, processing system evaluations, marketing plan development, new program start-ups and program profitability & performance management, Tim brings a unique understanding of both self-issuance and agent programs across all dimensions.

Mitch Pangretic

SVP, Director of Strategic Partnerships, Elan Credit Card


Mitch is responsible for finding and creating the right strategic partnerships for the Elan business. He has significant business development experience within the industry including both American Express and Discover.