I help mid-market and growing organizations bring institutional-grade rigour to the financial functions that protect cash, manage credit risk, and keep insurance programs working as intended — on a project, fractional, or interim basis.
Hi, I'm Erica Holloway. For three decades, I've led treasury, credit, accounts receivable, and global insurance programs at publicly-traded multinationals — the kind of work that, when done well, runs invisibly in the background, and when neglected, quietly erodes margin and creates exposures no one sees coming.
I founded Big Nickel Treasury Inc. to bring that same level of senior, integrated oversight to organizations that need it but don't need a full-time executive on payroll. My focus is on the practical: clear scope, defined deliverables, and outcomes you can measure.
Each service below is a focused, scoped engagement with a clear deliverable. Engagements can be combined or stand alone. All begin with a free 30-minute consultation.
Stand up — or stabilize — a treasury function that gives your CFO confidence in cash position, banking structure, and operational controls. Ideal for organizations whose treasury work has grown beyond what the controller's office can absorb.
Build a forecasting model and liquidity framework that lets you anticipate shortfalls and surpluses with confidence — and know what to do about each. The same scenario-based approach used in public-company treasury, scaled to your business.
Review your global or domestic banking footprint, identify consolidation and automation opportunities, and execute the migration plan. Most engagements pay for themselves through fee reduction within the first year.
Design or refresh a credit policy and underwriting workflow that protects against bad debt without slowing down sales. Drawn from Credit Institute of Canada methodology and large-portfolio underwriting experience.
Strengthen your AR and AP functions through transformation work, or step in as a contracted member of your finance team to lead day-to-day operations. The same playbook used to take a $1B+ AR portfolio from 62 to 37 DSO days, brought directly into your business at the cadence and depth you need.
For operational engagements, I am engaged as a contracted member of your finance team — acting solely on your behalf, in your company's name, under your existing systems, signature lines, and contact information. Not as an outside collection agency.
An internal-expert review of your commercial insurance program — property, casualty, cyber, D&O, cargo, fiduciary, and workers' compensation. I work alongside your appointed brokers to ensure your interests are properly represented and your coverage matches your real exposures.
When something goes wrong, the claims process determines whether you recover or lose. I serve as your internal claims manager — coordinating documentation, adjusters, brokers, and counsel to protect your recovery position from notification through settlement.
Senior governance support for defined benefit and defined contribution plans. Built on years of voting fiduciary experience overseeing multi-jurisdictional pension funding, audits, and performance reporting.
Design or refresh the treasury control environment to withstand external audit, prevent fraud, and stand up to public-company-grade scrutiny. Includes documentation that auditors actually accept.
Build internal capability by training your team to operate at a senior practitioner level. I deliver structured training programs across three high-impact finance roles where mid-market organizations consistently need depth: B2B Credit Manager, Insurance Manager, and AR Collections lead.
Programs draw on Credit Institute of Canada, RIMS Canadian Risk Management, and CTP-grade methodology — but every curriculum is tailored to your industry, your systems, and the actual work your team is being asked to do. The goal is permanent capability transfer, not generic theory.
Senior coaching for finance professionals navigating the human, political, and organizational side of leadership work — from board dynamics and managing up, to leading teams through reorganization, AI integration, and complex stakeholder environments.
Drawn from three decades of senior finance leadership in public-company environments, plus formal training in conflict resolution (Dale Carnegie), negotiations (Karrass), leadership (Rotman School of Management), and the 7 Habits framework (FranklinCovey). Confidential, practical, and built around the specific challenges you're facing right now.
Most engagements unfold in two phases — first the assessment and the plan, then the operational work to deliver it. You can engage me for one phase, or both.
Diagnostic work, strategy design, and a clear, implementable plan. Delivered as a defined-scope project with a flat fee and a fixed timeline. You walk away with what to do — even if you implement it internally.
Step into your business as a contracted member of your finance team to deliver the plan — lead the function, run the operations, and transition the work to your internal team when ready. Delivered on a fractional retainer or interim contract basis.
Choose the structure that fits your timeline, your budget, and your internal capacity. Most clients start with a project and expand from there.
A defined deliverable with a clear timeline and an agreed-upon flat fee. Best for one-time work like a policy refresh, AR transformation, or insurance review.
Senior treasury leadership on a part-time basis — typically one to three days per week — billed as a monthly retainer. Best for organizations that need ongoing senior expertise without a full-time hire.
Full-time interim coverage during leadership transitions, leaves, or growth periods. Engaged as a contracted employee or independent contractor, depending on your structure.
Structured programs that build internal capability across B2B credit, insurance management, and AR collections. Tailored to your industry, your systems, and your team's actual work — from half-day workshops to multi-week capability programs.
Confidential, direct mentorship for finance professionals — covering both technical work (treasury, credit, insurance) and the leadership side (managing up, board dynamics, navigating change). Built around the specific challenges you're facing right now.
Every consulting engagement is scoped and priced during a free 30-minute consultation, then agreed in writing before work begins. Training and coaching prices are published below.
Flat fee tied to a defined scope. Pricing reflects complexity, timeline, and dollars-at-stake.
Monthly retainer, tiered by days per week. Typically one, two, or three+ days per week.
Daily or weekly billing for full-time interim coverage. Engaged as a contracted employee or independent contractor.
Workshops, multi-week capability programs, and custom curricula across B2B credit, insurance management, and AR collections.
Confidential mentorship — technical (treasury, credit, insurance) and finance leadership (managing up, board dynamics, navigating change).
Every engagement is designed around outcomes you can see and your CFO or board can measure.
Better visibility into where cash is, where it's going, and what to do when it runs short or builds up. Forecasting that anticipates problems instead of explaining them.
Consolidation, RFP discipline, and broker oversight that reduce fees and premiums while improving the quality of services and coverage you receive.
Tighter underwriting, faster collections, and lower DSO — without damaging customer relationships or slowing the sales cycle.
Documentation, controls, and process discipline that hold up to external audit, board scrutiny, and regulatory review.
A 30-minute call to understand your situation and whether my expertise is the right fit.
A written proposal with clear deliverables, timeline, and pricing — agreed before any work begins.
Most projects start within two weeks. Fractional and interim engagements often start sooner.
Regular reviews and adjustments as work evolves. You always know where things stand.
I am not a licensed insurance broker or agent. On insurance and claims engagements, my role is as your internal expert — working alongside your appointed brokers and providers to ensure your company's interests are properly represented and managed.
Every engagement starts with a free 30-minute consultation. No pitch, no pressure — just a conversation about what you need and whether I can help.
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