400 North Church St, Ste #709
Charlotte, NC 28202

We Deliver Results

With 45 years of experience in financial institutions, public accounting and consulting

Over 19 years of experience with over 225 community banks and credit unions. We can help you boost technology productivity and efficiency.

Banking Technology

In an industry facing such dramatic change, it is imperative to be ahead of the technology curve by understanding the opportunities to improve.


Mobile Payment Consulting

Our mobile payment strategy consulting will give you the education and information you need to make informed decisions about this crucial addition to your bank.


Core Contract Negotiation

With more than 70 core contracts, and ATM/EFT contract negotiations, we have the experience and cost database to work on your negotiations to produce the best results possible for your bank or credit union.


Technology Core
Selections Process

L. Michael Wofford, Consultants and Advisors has an extremely efficient and successful method for choosing a new core technology solution for our clients.


About Us


L. Michael Wofford, Consultants and Advisors was founded on March 11, 2011. We offer 45 years of experience in the banking industry, including consulting for major corporations such as First Union Finance and Bank of America, as well as over 225 community banks and credit unions across the country.

L. Michael Wofford Consultants & Advisors, Inc.
By the Numbers

Years Banking Experience

Community Banks and Credit Unions

Years Consulting Experience

From Our Clients


As our bank embarked on the process of reviewing our payment network provider, it quickly became clear that we needed some assistance from someone with expertise and intimate knowledge of this industry – Michael Wofford is that person!  Michael assisted in educating our team on the payment network industry, secured three proposals, helped our team navigate through the proposals, became a liaison between our bank and the vendors, and provided endless guidance.

We couldn’t have been happier with the process and are all better off having partnered with such a tenured and true professional such as Michael.


Director of Payments, Digital and Specialty Banking
South Shore Bank


Our bank needed to complete a thorough but expedient core vendor review and without Michael Wofford’s assistance, guidance and perseverance we would have never been able to complete the task. Michael has the skills, knowledge and where with all to fully understand a banks needs and match them to a core provider. It was Michael’s negotiating skills that afforded the bank a tremendous amount of savings to our processing expenditures. I wouldn’t hesitate to recommend him to any other financial institution for consulting services


Senior Vice President
Brotherhood Bank & Trust
Kansas City, KS


Thank you for assisting Security State Bank & Trust with selecting a new core vendor. This was a lengthy process; however, with your expertise and services the overall process was streamlined and a decision was made within the recommended timeline.

Utilizing your expertise and experience was extremely beneficial both financially and operationally. You provided insight in areas the bank had been overcharged by our current vendor and made sure the vendor review process covered those areas with lower pricing. With your assistance, the Bank was able to determine what core vendor best fit the needs of SSB&T today, as well as, for the foreseeable future. Your negotiations provided a huge savings to Security State Bank and Trust. The investment the Bank made with you was well worth the money! I strongly recommend any financial institution beginning this process to utilize your consulting services


Senior Vice President/COO
Security State Bank and Trust
Charlotte, NC

Completed Engagements

Jack Henry

Asset Size

Fiserv DNA/Jack Henry Symitar

Asset Size

FIS BancPac

Asset Size

Csi Meridian

Asset Size

FIS Horizon

Asset Size

Fisev Premier

Asset Size

400 North Church St, Ste #709
Charlotte, NC 28202

400 North Church St, Ste #709
Charlotte, NC 28202

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