Hire the Top Rated Fractional CMO for Fintech

Ross Kernez is a digital marketer, community builder, mentor, and author. He is the founder of NYC-based SEO Meetup, a group of 2900 marketing professionals who meet monthly to network and discuss the latest trends and happenings in the industry.

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Published: 07.11.2024

As a Fractional CMO for Fintech, I leverage over 15 years of proven experience in driving significant business growth through strategic and innovative marketing solutions. My approach is designed to provide small businesses, start-ups, mid-sized and enterprise companies with the leadership and expertise they need, without the long-term commitment or high cost of a full-time executive. I have worked in the digital marketing field as an independent marketing consultant working with enterprise companies and startups—advising on Earned media (SEO, ASO, Content Marketing, Digital PR, Email Marketing, Influencer Marketing, Affiliate Marketing), Paid media (Paid Search, Paid Social, Programmatic, Media Strategy),Creative (Branding & Web design), CRO & UX.

By working with me, you gain access to top-tier marketing leadership and the ability to implement advanced marketing strategies that are tailored to your unique business goals. My expertise covers a wide range of industries, enabling me to bring a fresh, adaptable perspective to each client. From omni channel marketing and brand development to demand generation and go-to-market strategies, I ensure that your business stays ahead of the curve, benefiting from the latest marketing trends and insights. Whether you're looking to enter new markets, boost lead generation, or enhance your overall brand presence, I can help craft and execute a strategic marketing plan that aligns with your business objectives.

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Hire the Top Rated Fractional CMO for Fintech

"If you can work with Ross, make it happen — you won't regret it!"

— Jennifer Anderson

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Unlock your brand's full potential with a top-rated Fractional CMO for Fintech

In today’s fast-paced and competitive market, businesses need expert marketing leadership to stand out and drive growth. But hiring a full-time CMO can be costly and often unnecessary. That’s where a top-rated Fractional CMO comes in—offering the strategic expertise of a chief marketing officer without the overhead of a full-time hire.

As a Fractional CMO, I deliver customized marketing strategies tailored to your business needs. From optimizing your brand positioning to scaling digital marketing efforts, I provide the insights, leadership, and execution needed to achieve measurable results. Whether you're a startup looking to scale or an established company seeking to refine your strategy, I help unlock the true potential of your brand.

With proven success across diverse industries, I bring a fresh perspective and actionable solutions to every challenge. Partner with me, and together we’ll accelerate your business growth while staying agile and cost-effective. Ready to take your marketing to the next level? Let's connect!

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What can I bring to your company when you hire me as Fractional CMO for Fintech?

I find myself in a privileged position through hosting my marketing meetups, where I have access to a wealth of data alongside my fellow members. These gatherings serve as a fertile ground for the exchange of insights and information stemming from diverse industries. My team and I take it upon ourselves to meticulously gather and arrange this data, ensuring that every participant can reap the benefits from a broad pool of knowledge. As we all know, unstructured data holds little to no value, much like unmined gold lying dormant underground, waiting to be discovered and valued..

We delve into this data reservoir, sifting through to find and present the most valuable pieces of information — the golden nuggets that can offer substantial learning experiences to our attendees.

Would you be interested in granting your attendees access to this repository of golden opportunities?

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Experienced Fractional CMO for Fintech

I have worked in numerous large enterprises within the marketing & SEO departments. Taking these businesses up the search engine result pages (SERPS), these roles formed the bases of my experience.

I have also been fortunate enough to advise & consult numerous smaller and medium businesses across a wide array of verticals and this also greatly enhanced my knowledge about the market and of course how to implement a ‘search’ strategy to garner visibility and generate revenue.

Who is Ross Kernez?

With over 15+ years of experience, I specialize in building marketing systems that consistently attract and retain customers. My approach is rooted in meticulous processes, ensuring that every aspect of my work is efficient, scalable, and impactful. From complex tasks like SEO to comprehensive strategies, I design systems that minimize friction and cost while maximizing results.

Ross is deeply involved in the marketing and tech community, mentoring startups at organizations like Techstars and Starta. He is known for his expertise in search engine optimization, digital marketing, and leveraging data analytics for marketing success.

Here’s some feedback from someone who has worked with Ross

We brought on a fractional CMO for our fintech startup, and it’s been a game changer. Our product is fairly complex, and we were struggling to explain it clearly to potential users. The CMO helped us refine our messaging so that it speaks directly to our audience and clearly communicates our value. They also took our digital marketing efforts to the next level by optimizing our website and implementing targeted Google and LinkedIn ad campaigns. We’ve seen a significant increase in traffic, leads, and, most importantly, conversions since they came on board. What’s great is that they seamlessly fit into our team, even though they’re part-time, and they’ve really taken ownership of our marketing strategy.

— Joe R.

We hired a fractional CMO for our fintech firm because we needed senior-level marketing expertise but weren’t ready to commit to a full-time executive. The results have been fantastic. The CMO brought a clear vision to our brand strategy, helping us streamline our messaging and create marketing funnels that really convert. They’ve been invaluable in helping us navigate the complex regulatory landscape while still crafting compelling and compliant marketing materials. Their data-driven approach to tracking customer acquisition costs and optimizing campaigns has improved our ROI significantly. They also helped us build a stronger digital presence, and the impact on customer acquisition has been undeniable.

— Mason A.

Our experience with a fractional CMO has exceeded expectations. We’re a fintech company focused on consumer financial services, and we needed someone who could help us build trust while growing our customer base. The CMO helped us reposition our brand to better resonate with our target audience and created a comprehensive digital marketing strategy that included SEO, content marketing, and paid ads. They also focused heavily on thought leadership, helping us publish articles and whitepapers that have positioned us as experts in the field. Even though they’re part-time, their impact has been full-time in terms of helping us scale and improve customer acquisition, retention, and overall brand credibility.

— Ethan F.

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My Process

Let's Collaborate

1. Describe your project

2.Schedule a Call

3. Develop Strategic High Level Plan

4. Accountability on both sides

What should you expect from your Fractional CMO for Fintech

When working with a fractional CMO for the fintech sector, you should expect a marketing leader with deep knowledge of the financial services industry, technology trends, and the unique challenges that fintech companies face. The fintech landscape is highly competitive, constantly evolving, and heavily regulated. A fractional CMO understands the intricacies of marketing in this space and is equipped to create and execute strategies that build brand awareness, attract customers, and establish credibility.

The first thing the fractional CMO will do is assess your current marketing efforts. They will analyze how well your brand is positioned within the fintech ecosystem and determine whether your messaging is resonating with the right audience. They will review your digital presence, including your website, social media platforms, and other digital marketing channels, to evaluate how effectively you are engaging with potential customers and investors. From there, they will craft a marketing strategy that aligns with your business goals, whether you’re focused on customer acquisition, retention, or entering new markets.

A significant part of a fractional CMO’s role in fintech is simplifying complex financial concepts and services to make them accessible and appealing to your target audience. Fintech companies often deal with products that can be difficult to explain, such as digital wallets, blockchain technology, or investment platforms. The fractional CMO will help translate these complex ideas into clear, compelling messaging that resonates with your audience, whether you’re targeting individual consumers, small businesses, or large enterprises. They ensure that your brand’s message is consistent across all touchpoints and communicates trust, innovation, and value.

Given the digital nature of fintech, a fractional CMO will also focus on optimizing your digital marketing strategy. This includes improving your website’s user experience, ensuring it is easy to navigate, and that the content is informative and tailored to your target customers. Search engine optimization (SEO) will be a priority, ensuring that your website ranks highly when potential customers search for fintech solutions. They will also develop and implement a digital advertising strategy, utilizing platforms like Google Ads, LinkedIn, and social media channels to target the right audience and drive traffic to your site.

In fintech, customer acquisition and retention are critical to scaling your business, and a fractional CMO will develop strategies that focus on both. They will help you create marketing funnels that convert leads into loyal customers by utilizing targeted advertising, email marketing, and personalized content. Customer onboarding in fintech can sometimes be complicated, so the CMO will ensure that your messaging and user experience are seamless, helping new customers understand and easily adopt your product or service.

In addition to attracting customers, the fractional CMO will focus on building trust, which is essential in the fintech space. Financial services customers need to feel confident that their money and data are secure. The CMO will help establish your brand as a trustworthy leader in the industry through thought leadership, public relations, and content marketing. This may include developing whitepapers, publishing articles, or speaking at industry conferences to highlight your expertise and innovation in the fintech sector.

Compliance and regulatory requirements are key considerations in fintech, and a fractional CMO will ensure that your marketing strategies adhere to industry regulations. Whether you’re dealing with consumer protection laws, data privacy regulations, or other financial compliance issues, the CMO will make sure that all marketing communications are clear, transparent, and compliant with relevant legal requirements.

A key benefit of hiring a fractional CMO is their ability to deliver data-driven marketing strategies. In fintech, it’s essential to measure the effectiveness of your marketing campaigns to ensure you’re getting a strong return on investment. The CMO will set up key performance indicators (KPIs) to track metrics such as customer acquisition cost, lifetime value, conversion rates, and more. Using this data, they will continuously refine and optimize your marketing efforts to improve performance and maximize results.

Finally, fintech is a rapidly changing industry with new technologies and competitors emerging frequently. A fractional CMO will help your company stay agile and competitive by keeping up with industry trends, adapting your marketing strategies to shifts in the market, and ensuring that your brand remains relevant. They will explore opportunities for innovation, whether through new digital channels, partnerships, or product launches, helping you remain a leader in the fintech space.

In summary, a fractional CMO for fintech will provide the marketing leadership necessary to build a strong brand, attract and retain customers, and navigate the complexities of the financial services industry. They will ensure your marketing efforts are strategically aligned with your business goals, delivering measurable results while building trust and credibility in a competitive, highly regulated market.

Topics that I can cover

Programmatic Marketing

Growth Marketing

Paid Search Marketing

Paid Social Marketing

Marketing Strategy

Digital PR

SEO Marketing

Social Media Marketing

FAQs

What is a Fractional CMO, and how does this role apply to fintech companies?

A Fractional Chief Marketing Officer (CMO) is a senior marketing executive who works with a company on a part-time, temporary, or project-based basis. This role is ideal for businesses that need high-level marketing leadership but don’t require or cannot afford a full-time CMO. In the fintech sector, a fractional CMO brings specialized knowledge of the intersection between finance and technology, helping fintech companies develop and execute effective marketing strategies that drive growth, build brand credibility, and attract customers.

Fintech companies operate in a fast-paced, highly competitive, and heavily regulated environment, making strategic marketing crucial to their success. A fractional CMO can guide fintech businesses through these challenges, offering expertise in digital marketing, brand positioning, customer acquisition, compliance, and more. Since fintech services often involve complex concepts, such as digital banking, blockchain, or peer-to-peer lending, a fractional CMO ensures these services are communicated clearly and effectively to the target audience.

The role of a fractional CMO begins with an assessment of the company’s existing marketing efforts. This includes analyzing how well the company’s brand is positioned in the market, reviewing messaging and communication channels, and evaluating digital marketing efforts such as website performance, SEO, and social media presence. The CMO then creates a customized marketing plan that aligns with the company’s specific business goals, whether it’s to increase customer acquisition, improve brand awareness, or enter new markets.

For fintech companies, one of the key challenges is simplifying complex financial products and services to make them accessible to the target audience. The fractional CMO plays a crucial role in translating complicated fintech concepts into clear, digestible messages that resonate with both consumers and business clients. This involves creating consistent messaging across all marketing channels that highlights the company’s unique value proposition, builds trust, and communicates the benefits of using the fintech solution. By refining the company’s messaging, the CMO helps to ensure that potential customers understand how the fintech service can solve their financial problems or improve their financial management.

In today’s digital-first environment, digital marketing is essential for fintech companies, and a fractional CMO provides the expertise needed to optimize digital strategies. The CMO ensures that the company’s website is user-friendly, visually appealing, and tailored to meet the needs of the target audience. Since many potential customers will first encounter the fintech brand online, the website must not only provide clear information about the services offered but also be designed to convert visitors into leads and customers. The CMO also works on improving the company’s search engine optimization (SEO), ensuring that the fintech company ranks highly when potential customers search for financial services or technology solutions.

A fractional CMO also focuses on developing digital advertising strategies that reach the right audience at the right time. This includes running targeted ads on platforms like Google, LinkedIn, and social media channels. These ads are tailored to specific demographics, geographic locations, or user behaviors, ensuring that the marketing budget is spent effectively and reaches the audience most likely to convert. The CMO also tracks and analyzes the performance of these ads, continuously refining them to maximize return on investment (ROI).

Customer acquisition is another critical area for fintech companies, and a fractional CMO helps develop marketing funnels that efficiently convert leads into paying customers. Fintech companies often face unique challenges in customer acquisition, such as long sales cycles or complex onboarding processes. The CMO ensures that all marketing efforts, from paid ads to email campaigns, are aligned to guide potential customers through the buying journey smoothly. Additionally, the CMO works on optimizing the customer onboarding experience, simplifying the process for new customers to sign up, understand the product, and start using it with ease. This is especially important in fintech, where technical services must be presented in an intuitive and user-friendly manner.

Customer retention is equally important for fintech companies, and a fractional CMO helps develop strategies that keep customers engaged and loyal. This might involve creating a customer loyalty program, offering personalized experiences, or sending targeted marketing messages based on user behavior. By focusing on retention, the CMO ensures that the company builds long-term relationships with customers, reducing churn and increasing lifetime customer value.

In fintech, trust is critical. Customers must feel confident that their financial information is safe, and that the fintech company operates in a secure and compliant manner. A fractional CMO helps build this trust by positioning the company as a leader in the industry. This may involve creating thought leadership content, such as blogs, articles, whitepapers, or webinars, that showcase the company’s expertise in finance and technology. By establishing the fintech company as an authority in the industry, the CMO helps attract customers, investors, and partners who see the company as a trustworthy and innovative leader.

Compliance and regulatory requirements are also major considerations for fintech companies. The financial services industry is highly regulated, and fintech companies must adhere to strict rules around consumer protection, data privacy, and financial reporting. A fractional CMO ensures that all marketing efforts comply with these regulations. This includes making sure that all marketing messages are transparent and do not contain any misleading claims. The CMO also works closely with the legal and compliance teams to ensure that marketing materials meet all regulatory requirements, reducing the risk of fines or legal issues.

In addition to these traditional marketing efforts, a fractional CMO in the fintech industry is also focused on data-driven marketing. Data plays a crucial role in fintech, and a CMO ensures that all marketing strategies are backed by data insights. This involves tracking key performance indicators (KPIs) such as customer acquisition cost, customer lifetime value, website traffic, and conversion rates. By analyzing this data, the CMO can identify what’s working and what’s not, and make adjustments to optimize marketing campaigns for better performance.

Lastly, a fractional CMO helps fintech companies stay agile in a rapidly changing industry. Fintech is constantly evolving, with new technologies and competitors emerging all the time. The CMO stays up-to-date on industry trends and ensures that the company is positioned to take advantage of new opportunities. Whether it’s launching a new product, entering a new market, or partnering with another fintech company, the CMO helps ensure that the company remains competitive and innovative in a fast-paced environment.

Why should a fintech company hire a Fractional CMO instead of a full-time CMO?

There are several reasons why a fintech company might choose to hire a fractional CMO instead of a full-time executive. The most significant advantage is cost-efficiency. Hiring a full-time CMO requires a substantial investment in salary, benefits, and bonuses, which may not be feasible for startups or smaller fintech firms. A fractional CMO provides the same level of expertise and strategic leadership but at a fraction of the cost, making high-level marketing guidance accessible without the long-term financial commitment of a full-time hire.

Flexibility is another major reason why a fintech company might opt for a fractional CMO. Fintech businesses often have fluctuating marketing needs depending on the stage of growth, upcoming product launches, or regulatory requirements. A fractional CMO can scale their involvement up or down based on the company’s needs. This means that the company can bring in the CMO for critical projects or during key growth periods, without having to commit to a full-time position. This flexibility allows fintech companies to access expert marketing leadership when they need it most, without paying for full-time services when they’re not required.

Another key advantage of hiring a fractional CMO is the diverse experience they bring. Many fractional CMOs work with multiple clients across different industries, which gives them a broad perspective on marketing strategies, emerging trends, and best practices. This cross-industry experience can be particularly valuable in the fintech industry, where companies need to stay ahead of trends and adapt to rapidly changing consumer behaviors. A fractional CMO may introduce fresh ideas, creative marketing tactics, and innovative approaches that a full-time CMO, focused solely on one company, might not consider.

For fintech companies, the ability to drive fast results is critical, and a fractional CMO offers a quicker path to success. Since they are often brought in to address specific challenges or goals, fractional CMOs are highly focused on delivering measurable results in a short time frame. Whether the company is looking to increase customer acquisition, boost brand visibility, or improve conversion rates, the CMO provides the strategic leadership needed to execute these objectives efficiently. Their experience allows them to implement marketing strategies quickly and adjust campaigns in real-time to improve performance.

For fintech companies that already have an internal marketing team or work with external agencies, a fractional CMO can provide leadership and mentorship. In this scenario, the CMO works alongside the existing team, refining strategies, introducing best practices, and ensuring that all marketing efforts are aligned with the company’s overall business objectives. This collaborative approach allows the fintech company to leverage its existing resources while benefiting from the strategic insight of a senior marketing executive. The fractional CMO can also introduce tools, systems, and processes that help the internal team work more efficiently and effectively.

Finally, fintech companies that are in a period of rapid growth or transition will benefit from hiring a fractional CMO. Whether the company is expanding into new markets, launching new products, or undergoing a rebrand, a fractional CMO provides the marketing leadership needed to navigate these changes successfully. Their flexible, part-time approach allows the company to scale its marketing efforts without the long-term commitment of a full-time executive, making them an invaluable asset during periods of growth or transition.

What specific challenges does a Fractional CMO address for fintech companies?

Fintech companies face several unique marketing challenges, and a fractional CMO is well-equipped to help address these through strategic leadership, industry expertise, and data-driven decision-making. One of the primary challenges fintech companies face is customer acquisition. With so many fintech solutions available, it can be difficult for companies to stand out and attract new customers. A fractional CMO helps fintech companies develop and implement customer acquisition strategies that are tailored to their target audience. This might involve running targeted digital ad campaigns, creating content that educates potential customers about the benefits of the fintech service, or improving the company’s website and landing pages to increase conversions.

Another significant challenge for fintech companies is building trust with potential customers. Financial services require a high level of trust, and fintech companies, in particular, need to reassure customers that their money and data are safe. A fractional CMO helps build this trust by positioning the fintech company as a leader in the industry. This may involve creating thought leadership content, publishing whitepapers, or speaking at industry conferences to highlight the company’s expertise and innovation. By building credibility and trust, the CMO helps fintech companies attract and retain customers who feel confident in their services.

Compliance and regulatory requirements are another major challenge for fintech companies, and a fractional CMO ensures that all marketing efforts comply with these regulations. Fintech companies must navigate complex rules around data privacy, financial reporting, and consumer protection. The CMO works closely with the legal and compliance teams to ensure that all marketing materials, from website content to digital ads, meet regulatory standards. By ensuring that marketing messages are transparent and compliant, the CMO helps reduce the risk of legal issues or fines.

Simplifying complex financial concepts is another challenge that fintech companies often face. Many fintech products and services involve advanced technology, such as blockchain, digital currencies, or automated investment platforms, which can be difficult for the average consumer to understand. A fractional CMO plays a key role in translating these complex ideas into clear, engaging messages that resonate with the target audience. By creating messaging that is easy to understand and compelling, the CMO helps fintech companies communicate the value of their products and services to potential customers.

Customer retention is another critical challenge for fintech companies. While acquiring new customers is important, retaining existing customers and encouraging them to use additional services is key to long-term success. A fractional CMO helps fintech companies develop retention strategies that keep customers engaged and loyal. This might involve creating personalized email campaigns, offering rewards or incentives for continued use, or improving the user experience to make it easier for customers to navigate the fintech platform. By focusing on retention, the CMO ensures that fintech companies can build lasting relationships with their customers and increase customer lifetime value.

In addition to these traditional marketing challenges, fintech companies also need to stay agile in a rapidly changing industry. New technologies, competitors, and regulations are constantly emerging, and fintech companies need to adapt quickly to stay ahead. A fractional CMO helps fintech companies remain competitive by staying on top of industry trends and adjusting marketing strategies accordingly. This might involve launching a new product, entering a new market, or forming partnerships with other fintech companies. The CMO ensures that the company is positioned to take advantage of new opportunities and remain a leader in the fintech space.

How does a Fractional CMO help fintech companies with digital marketing?

Digital marketing is essential for fintech companies, and a fractional CMO provides the expertise needed to optimize digital strategies for growth and engagement. One of the first steps in building a successful digital marketing strategy is ensuring that the company’s website is user-friendly, visually appealing, and designed to convert visitors into customers. The CMO works to optimize the website’s design, content, and functionality, ensuring that it effectively communicates the fintech company’s value proposition and makes it easy for potential customers to sign up or learn more about the product.

Search engine optimization (SEO) is another critical component of digital marketing for fintech companies. A fractional CMO implements SEO strategies to improve the company’s ranking in search engines like Google. This involves researching relevant keywords that potential customers are using when searching for fintech solutions and incorporating these keywords into the website’s content, meta descriptions, and headers. By improving the company’s visibility in search results, the CMO ensures that the fintech company is reaching potential customers who are actively looking for financial services.

Paid advertising is also an important tool in digital marketing for fintech companies. A fractional CMO helps fintech companies develop and execute paid advertising campaigns on platforms like Google, LinkedIn, and social media channels. These campaigns are tailored to specific demographics, geographic areas, or user behaviors, ensuring that the ads reach the audience most likely to convert. The CMO also tracks and analyzes the performance of these ads, making adjustments to maximize return on investment (ROI) and improve overall campaign performance.

Social media marketing is another key area where a fractional CMO adds value. Fintech companies can use social media platforms like LinkedIn, Twitter, and Instagram to engage with potential customers, share thought leadership content, and promote their services. A fractional CMO helps fintech companies create a social media strategy that is aligned with their brand and designed to drive engagement and conversions. This might involve posting regular updates, sharing customer success stories, or running paid social media ads to target specific audiences.

Email marketing is another essential component of digital marketing for fintech companies. A fractional CMO helps companies create email marketing campaigns that nurture leads, engage existing customers, and drive conversions. These campaigns might include personalized product recommendations, onboarding emails for new customers, or promotional offers to encourage customers to try additional services. By creating targeted email campaigns, the CMO ensures that the fintech company is maintaining consistent communication with its customers and leads.

In conclusion, a Fractional Chief Marketing Officer for fintech companies provides the strategic leadership needed to develop and execute a marketing strategy that drives business growth, builds brand credibility, and attracts and retains customers. With expertise in digital marketing, customer acquisition, compliance, and thought leadership, the CMO helps fintech companies navigate the unique challenges of the industry while staying competitive in a rapidly changing market. Their flexible, part-time approach allows fintech companies to access senior-level marketing expertise without the cost of a full-time executive, ensuring that marketing efforts are both effective and aligned with the company’s overall business goals. Through a combination of data-driven insights, creative strategies, and industry knowledge, a fractional CMO helps fintech companies achieve long-term success and growth.

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Hire the Top Rated Fractional CMO for Fintech

Hire the Top Rated Fractional CMO for Fintech