Our History

A PROVEN TRACK RECORD OF GROWTH AND SUCCESS

Epic’s leadership team brings decades of experience as founders and senior leaders within the financial services industry.
1988

Held executive management roles in
$500 million management-led
leveraged buy-out


Industry leader in credit card
innovations

  • No annual fee
  • Low introductory rates
  • Balance transfer
  • Partner credit card marketing


Acquired first-ever credit card
account online in partnership
with AOL

Developed industry-leading, data-driven,
omni-channel, direct marketing
capabilities

  • $1 billion annual customer
    acquisition marketing budget
  • 1+ million new customer accounts
    per year
  • 350+ marketing and analytics
    professionals


Top performing stock on New York
Stock Exchange – 1993


Managed over 2,000 card
partnerships, including
Southwest Airlines, United
Airlines, and Marriott Hotels


Helped grow First USA to
become a $70 billion card issuer
and the largest issuer of Visa
cards in the world


Delivered a financial services
industry-leading annual return rate
of 83% (1992-1997)


Helped position First USA to be
acquired by Bank One for $8 billion,
the largest financial services
transaction to date


Launched Wingspan Bank, one of
the first internet-only banks as a
subsidiary of Bank One
2000


Co-founded Juniper Bank,
a de novo partnership-based
credit card bank


Raised over $250 million
in private equity

Delivered strong growth in a
mature and competitive market


Introduced first-of-its-kind product
features:

  • Account alerts
  • Money transfer
  • Mobile account access


Launched over 40 award-winning
card partnership programs, including
Apple, US Airways, and UBS

Sold Juniper to Barclays at 15%+
market premium, providing Barclays
an entrée into the U.S. credit card
market
Led Juniper/Barclays to become
the 7th largest bankcard issuer in
the U.S.
2007

Founded Epic Research

Pioneered the “at-risk” direct mail
model, with a performance-based
funding structure

Funded over $200 million in
acquisition costs for bank clients

Funded acquisition costs to drive
over $13 billion in loans for bank
partners since founding Epic


Co-created a financing program
for a leading consumer electronics
product that has financed nearly 5
million units


Launched NitroCollege.com, a
student loan aggregator site, and
NitroScore, a proprietary calculator
to help students and parents
calculate and forecast college
expenses and student loan debt


Nitro is a reputable content provider
to news sources and numerous top
colleges and universities


Developed the EpicScore, Epic’s
proprietary propensity score that
enables the effective targeting of
prospects for various consumer
credit products