Payments and financial services

Most people see 1 + 1 = 2. We see 11.

one || ELEVEN is an operating firm of experienced operators, rooted in payments and financial services. We partner with clients at the pivotal moment they are in.

We work alongside you, moving in the same direction, toward the same goal. We don't replace your vision or your team. We multiply what's already there.

Rose gold

Authenticity and care. Giving back.

White gold

Integrity and lasting value. The standard we hold.

Parallel: two lines moving in the same direction.

Who we are

The power of partnership, and the idea behind our name and our mark.

We're experienced operators who have run the programs, led the teams and carried the outcomes. We bring that experience, our judgment and our honesty to your most important work, and we stay through delivery.

We are operators with more than five decades of combined experience bringing card programs to life.

We work alongside you, moving in the same direction, toward the same goal.Your vision. Amplified.

What makes us different

Experience, not theory.

We've been in your seat.

Our team has run the programs, led the teams and carried the outcomes. We bring that experience, not theory.

An executive sponsor, always.

A one || ELEVEN partner owns your engagement from the first call through delivery, backed by a network of experienced operators.

We're paid like partners.

Part of how we're paid depends on the value we create together, so our success is tied to yours.

We tell you the truth.

Even when it's hard to hear, and always with care.

Speed with judgment.

We use AI to move faster, and a person stands behind every piece of work.

How we work

Our guiding principles shape how we show up for every client.

Trust and respect go both ways.

We tell the truth, especially when it's hard to hear, and we deliver it with care.

Partnership means we're in it together.

We share the goal, the work and the accountability. We bring our experience and our honesty, and we ask for openness and a seat at the table in return.

We start with what success looks like.

Before any work begins, we agree on what will be different when we're done and how we'll both know.

Close to the work, clear on the direction.

We learn the business from the inside and help you lead it forward.

Facts and feeling, together.

We bring the data to every hard decision, and we listen to the people closest to the work to understand what the numbers can't show.

Accountability is shared.

We hold ourselves to every commitment we make, and we trust you to do the same.

Success is the result and the relationship.

Did we reach the goal, and was it a partnership you'd want again? We ask, and we listen.

HI, AI, HI.

Human intellect, then AI, then human connection. AI makes us faster. People make the work right, and every client relationship stays personal.

How we'll know it's working

We measure our work against what success looks like for you, and ask four questions together.

Did we reach the goal?

The outcome we agreed on at the start.

Did we both deliver?

Our commitments, and the access and decisions we needed from you.

Did it make a difference?

We'll ask you directly, because the number alone doesn't tell us.

Did trust hold?

We raised hard news early, worked through disagreement and moved forward together.

Working together

Every engagement is different, so we price for the work and the value it creates.

Once we understand your business, we'll agree on scope and price together.

Ways to begin

First step

Scoping engagement

A focused, paid first step to define the work, set a baseline and agree on what success will take.

A question

Advisory by the hour

Targeted guidance on a specific question or decision.

A project

Fixed-fee project

A defined piece of work with a set price and clear deliverables.

Ways to grow together

Now

Retainer

Dedicated time and focus from our team, month to month.

As we grow

Shared upside

A success fee when we reach an agreed milestone, or a share of the new revenue our work helps create.

Over time

Equity

For long-term partnerships, an ownership stake that vests as the value is built.

Many clients combine these, for example a lower retainer paired with a share of the upside.

Our partners

The people who own your engagement, from the first call through delivery.

PJ Johnson

Founding Partner, Operations and Client Strategy

The Payments Whisperer

When a card program gets stuck, PJ is the one people call. She can hear where the bank, the processor and the fintech are talking past each other, and she knows exactly what it takes to get them moving again.

She spent almost twenty years at First Data, rising to Senior Vice President and leading a team of 400, then led client success and strategic relationships at i2c and at Ubiquity. Banking, operations, fraud, disputes and chargebacks: she has run them all.

1,000+Banks and retailers managed at First Data
100+Card programs launched and managed
29Years of card focused experience

Gregory Johnson

Founding Partner, Commercial Strategy and Growth

When there's a deal on the table, Gregory makes sure it's the right one. He reads the terms, the people and the long game, and he builds partnerships that still make sense years later.

He has spent more than 25 years building revenue organizations in cards, payments and small business finance, at American Express, Capital One, Xero and OnDeck. He leads our negotiations, deals, pricing and contracts.

$10.5BRevenue organization led at American Express
$500MNew ARR driven at Xero
450+People in the Top Client Group he founded at American Express

Shana Wilkes

Founding Partner, Compliance and Risk

Shana leads compliance and risk, drawing on her work at Fiserv, i2c and SunTrust.

Operating Partners

Garry Turner
Terry Davis

Founding Advisor

Raquel Kelly

Network

Experienced operators we bring in as your work requires.