ADVISORY SERVICES CORP · MIAMI, FLORIDA · SINCE 1991
Seventy years of combined experience in banking, payments, and lending.
We help financial institutions and small businesses work through operational, payments, and technology decisions — with the alternatives laid out and the trade-offs explained in plain language.
Advisory Services has been a resource to financial institutions since 1991. The firm is led by two principals whose careers were spent inside the operation rather than beside it — Wilfredo Jauregui in banking and cross-border payments operations, and Lourdes Jauregui in commercial and residential lending.
We do not arrive with a methodology to sell. We bring experience, look at your situation alongside you, and set out the options with their trade-offs attached, so the decision stays yours and is made with better information than you had before.
What we bring
- Careers spent running banking operations, payments, and lending — not studying them.
- Alternatives rather than a single answer, with what each one costs and what it asks of your team.
- A straight read on technology, including when the honest answer is that it is not worth it yet.
- Guidance your people can carry forward after the engagement ends.
- English and Spanish, for work that reaches field staff, agents, and clients.
Where we can help
Artificial intelligence and automation
The question most small businesses ask us is whether AI is worth their attention right now. We help you answer it for your business: which manual work is a realistic candidate, what the tools you already pay for can do, where an AI agent fits, and what it would take to get there. Where the answer is not yet, we will say so.
Payments and banking operations
Banking relationships, cross-border payments, treasury and cash positioning, receivables and settlement, check processing, and the rails underneath — ACH, RTP, FedNow, wires, and cards. We help you weigh the options, understand what each one costs to run, and see how comparable institutions have approached the same decision.
Merchant processing costs
Card processing statements are difficult to read by design. We go through yours with you, separate interchange from processor margin, and set out the alternatives — renegotiate, take it to bid, or change how transactions are routed and coded. What you do with that is your call, and we will tell you when there is little left to recover.
Lending and client experience
Origination workflow, application-to-close turnaround, borrower communication, and referral development — discussed from the perspective of someone who sat across from the borrower and closed the loan.
Risk, compliance, and audit support
BSA/AML and OFAC program review, customer and enhanced due diligence, policy and procedure documentation, internal audit support, and examination readiness. For money services businesses, that includes 31 CFR 1010 obligations, FinCEN CTR and SAR requirements, and Florida Chapter 560.