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Debbie Kukreja, treasury operations manager; Karen Craig, managing counsel; Daniel Tschopp, treasury valuations manager; and Nishant Rohatgi, treasury business solutions manager

Last year, Toyota Financial Services (TFS) transformed its collateral-exchange procedure with 23 bank counterparties, which used to take five days at the end of the month, to meet a new two-hour daily processing requirement. The effort took seven months, five months less than expected, and an investment of only $100,000, which was 50% under budget.

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