Michael Spencer is a highly experienced financial professional with a diverse background in banking and payment processing. Over the course of his career, he has built a reputation for trustworthiness, honesty, and responsiveness. With over 160 years of collective experience, Michael's team has helped businesses of all shapes and sizes optimize their operations, improve their cash flow, and ultimately grow their bottom line.

Before joining American Express as a Manager of Business Development, Michael spent time at Wells Fargo, Bank of America, JPMorgan Chase, Copper Star Bank, Charles Schwab, and Richstone Investments, among others. Throughout his career, he has worked with clients in a wide range of industries, including manufacturing, distribution, technology, foodservice, healthcare, logistics, insurance, and marketing.

With a background in business communications and Harvard Business Leadership, Michael is uniquely qualified to help businesses optimize their receivables processing, payment acceptance, cash management strategies, and more. He is passionate about building lifelong relationships with his clients and helping them maximize their financial potential.