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Your CX program
isn't failing because
of bad data. It's failing because insight never becomes action.

Most financial institutions measure customer experience well enough. The problem is the 18 inches between the insight and the decision — where signals lose meaning, budgets lose patience, and programs lose executive support.

CX Strategist · Banking Intelligence · AI Systems

Yury
Nabokov

12+ Years in financial services — translating customer signals into business priorities at institutions from community banks to 6B holding companies.
Forrester Certified in Customer Experience Mastery and Journey Mapping — frameworks built on validated methodology, not intuition.
CXFS Connect 2025 panelist alongside Visa, U.S. Bank, and KeyBank — on proving CX value in cost-conscious environments.
12+ Years in financial services
$M+ Strategic value delivered
$16B Institution experience
"Indexing isn't about more dashboards — it's about translating signals into business priorities with dollar values attached."

You might be here because...

One of these
sounds exactly like you.

"Our NPS is fine but leadership still won't fund CX."

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NPS tells you how customers feel. It doesn't tell your CFO how much that feeling is worth — or how much it costs to ignore it. The problem isn't the score. It's that no one has built the dollar bridge between customer sentiment and revenue outcomes. That's what the RHI/PFI system does.

See the CX Intelligence System

"We collect feedback everywhere but it never turns into action."

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VoC programs fail not because organizations can't listen — they fail because listening isn't connected to deciding. Survey data lands in a dashboard. Dashboard data doesn't reach the people who can act. The five-layer framework addresses the gap between signal capture and strategic response.

See the VoC Framework

"We know we're losing customers. We just don't know why — or what to do first."

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Churn is a symptom. What drives it is usually a combination of poor onboarding, unmet expectations at key life events, and invisible at-risk signals that behavioral data already contains — if you know how to read it. The segmentation and journey architecture I build surfaces those signals before exit becomes inevitable.

Start a conversation

Practitioner-built frameworks

The thinking,
made visible.

These aren't case studies. They're the actual systems I've built — documented so you can evaluate the approach before committing to a conversation. Click to preview each framework inline.

Flagship Framework

The CX Intelligence System

RHI/PFI dual-index architecture — translating customer signals into business priorities with dollar values attached.

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Framework Highlights

RHI
How customers feel — weighted composite sentiment index
PFI
What customers do — behavioral signal index
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Customer segments, each with calculable dollar value
5
Phase journey framework with governance built in
Read the Executive Guide

Applied Practice

Layered VoC Framework

Five-layer architecture connecting listening infrastructure to strategic outcomes — with segmentation and journey design built in.

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Five-Layer Architecture

01Multi-Channel ListeningTrack A
02Processing & UnificationTrack A
03Insights & Predictive IntelligenceTrack A
04Action & Closed-LoopTrack B
05Governance & Strategic ImpactTrack B
Explore the Framework
In Development

Banking Growth Engine

11 specialized AI skills for banking marketing — compliance-aware, built for speed in regulated environments.

Speaking · CXFS Connect 2025

Proving CX Value in a Cost-Conscious Environment

Panelist alongside executives from Visa, U.S. Bank, and KeyBank.

How I work

Not consulting. Building.

Find the
real problem.

Most engagements start with a symptom — low NPS, high churn, a CX program that can't get funding. I start by building a shared picture of what's actually happening, what the data already shows, and where the organization's blind spots are. This phase is diagnostic, not prescriptive.

  • Current-state VoC and measurement audit
  • Stakeholder discovery and alignment interviews
  • Data infrastructure assessment
  • Customer journey gap analysis
  • Executive business case framing

Build the
right system.

Architecture precedes execution. Before any campaign launches or dashboard gets built, the underlying logic needs to be right — which signals matter, how they connect to decisions, who owns what, and what success looks like in dollar terms. I design the system first, then we build it together.

  • RHI/PFI index design and calibration
  • Customer segmentation framework
  • VoC program architecture
  • Metrics cascade and reporting structure
  • Cross-functional governance model

Make it
move.

Strategy that stays in a deck is worthless. The final phase is activation — getting the framework into the hands of the people who need to use it, embedded into existing workflows, and producing results that justify the next phase of investment. I stay involved through adoption, not just delivery.

  • Journey launch framework execution
  • Marketing automation and campaign design
  • AI skill deployment for marketing operations
  • Team enablement and training
  • Performance measurement and iteration

Questions worth
asking.

If you're evaluating whether this is worth a conversation, these are the things most people want to know before they reach out.

Start a Conversation
Three categories come up most often. First, measurement problems — organizations that have data but can't translate it into executive decisions or funding. Second, structural problems — VoC programs that generate insight but have no pathway to action. Third, growth problems — retention and acquisition strategies that need to be rebuilt around customer intelligence rather than product calendars. Most engagements touch all three.
Most CX consultants deliver frameworks and leave. I build the actual systems — the measurement architecture, the segmentation logic, the governance model, the AI tooling. And I stay through activation, not just delivery. The frameworks on this site aren't theoretical — they're documented versions of systems I've built and deployed in financial services environments.
The RHI/PFI system is a dual-index architecture that combines customer sentiment data (Relationship Health Index) with behavioral signals (Predictive Flight Index) to produce a segmented view of customer value and risk. It attaches dollar estimates to each customer segment, making CX investment decisions legible to finance and the C-suite. The full framework is documented — you can read it here.
VoC programs fail at the same place every time — between signal capture and strategic response. My approach structures the program in five layers: listening infrastructure, data processing, insight generation, closed-loop action, and governance. Track A handles the data architecture; Track B handles the operating model. Both run simultaneously from day one. The complete framework is available — explore it here.
Engagements vary by need — from a focused diagnostic sprint (4–6 weeks) to a sustained strategic advisory relationship. I work with a small number of clients at a time so the work stays substantive. The first conversation is always about your specific situation — what you're trying to solve, what you've already tried, and whether there's a fit.
Yes — my experience spans community banks and credit unions to $16B holding companies. The problems are often the same at different scales; the constraints and stakeholder dynamics differ. Smaller institutions often benefit most from the frameworks because they have the agility to act on insight quickly once they have the right measurement system.
A 30-minute conversation. No pitch — just a direct discussion about what you're working on, what's not working, and whether this is the right kind of help. If it's not, I'll tell you. If it is, we'll figure out what the right starting point looks like. Reach out here.

About

Outcomes
over outputs.
Always.

I find clarity where others find noise. That's the through-line — in the work, in how I think, in how I move through the world.

In practice it means this: I'm not interested in producing deliverables that justify a retainer. I'm interested in the moment when a CFO looks at a customer retention chart and says "now I understand what we're leaving on the table." That's the work.

12+ years in financial services. MBA and Master's in Human Development. ABA Stonier Graduate School of Banking. Wharton Executive Leadership Program. 2× Forrester certified. Based in Dallas, Texas — available for consulting and advisory engagements.

Recognition

2025 CXFS Connect Panelist — alongside Visa, U.S. Bank, KeyBank
2024 Hilltop Holdings Top of the Hill Award
2023 Forrester Certified — Mastering CX & Journey Mapping
2021 CXPA Emerging CX Leaders Award — Finalist
2017 BAI Emerging Leaders Scholarship Recipient
NEFMA Rising Star Award · Best Educational Program · Fast Forward Maine podcast co-founder

Let's Talk

Ready to make CX
a revenue argument?

Whether you're building a customer intelligence program from scratch, trying to get executive support for CX investment, or rethinking your retention strategy — I'd like to hear what you're working on.

What brings you here?

Integrated One-Pager

Banking Experience Performance System

The VoM and RHI/PFI systems working together — from raw member friction to a funded decision, across six conversion stages.

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The Conversion Logic

01Friction Captured
02Signals Unified
03Dollar Value Attached
04Segment Prioritized
05Action Executed
06Outcomes Governed
See the Full System