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TMR Bank Solutions

TMR Business Solutions


Meet Our Partners

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Tim Clifford, Founder & Chairman
Technology Management Resources, Inc.

About Us

Our History


Thank you for visiting us online. We genuinely appreciate your interest
and promise to respect your time.


I formed TMR in 1988 with the goal of providing unique and useful
technology based tools for community and independent banks.


What has evolved is a series of products and services that attract and leverage commercial relationships for your bank. Today, our CITATION™ solutions are currently serving dozens of banks and hundreds
of their business accounts in 35 states across the country.


The area at which we work the hardest is service. I invite you to take a
look at our Business Builder™ sales and marketing support - the only program of it's type in our industry. Every CITATION™ solution includes
in-depth training, ongoing support, and when you call, a real
person answers by the second ring.


My own career began as a community banker in Ohio. I’m no longer a
banker but if I were, unquestionably my objectives today would include:

• Attracting low-cost “relationship” based deposits
• Generating profitable fee income to replace lost DDA service charge revenue
• Opening new markets without the cost of brick and mortar branches
• Differentiating my bank in a highly competitive market

If your business plans call for any of the above, we'd be delighted to help evaluate your needs and the potential compatibility of our solutions.


Tim Clifford

Founder & Chairman



Norman Picard, President, Technology Management Resources, Inc.

Norman Picard, President
Technology Management Resources, Inc.

Norman Picard



Since joining TMR in 1997, it has been my privilege to help bankers
across the country to win and lock in more profitable business
relationships. In 2012, I assumed responsibility for day-to-day operations and the direction of TMR's products and services. Since that time we
have significantly expanded our Outsource and Hybrid payment
processing services. We also developed CITATION™ i-Remit, an
advanced web-based solution that represents the next generation in
lockbox operations. Today, we provide bankers with an array of payment processing options tailored to meet their market needs.


At TMR our exclusive focus is lockbox and payment processing. More
than software, we develop complete solutions that combine the power of technology with personal touch service – bank-branded systems, expert technical assistance and our exclusive Business Builder™ sales and marketing support.


I am a very lucky man with a wonderful wife and three healthy sons. I
enjoy the outdoors and still actively participate in competitive sports. (In
fact, as a top 5 scorer in the over-40 JCC basketball league, I am
convinced that being 5 ft.-10 in. is the only thing that kept me from being
a professional basketball player.)


Please feel free to reach out to me directly with any questions you may have about our solutions and services.


Norman Picard

800-867-2249 ext 231
Direct 407-830-2431





766 N. State Road 434,
Altamonte Springs, FL 32714
Phone: +800-867-2249
Email: Click Here

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