Treasury Management in First Horizon National Corporation
Treasury Management at First Horizon National Corporation
First Horizon National Corporation's Treasury Management suite delivers a comprehensive, scalable set of solutions designed to optimize corporate liquidity, streamline payment flows, control financial risk and enhance operational efficiency. Built for middle-market firms, regional enterprises and large corporates, the offering combines advanced technology, expert advisory and secure execution capabilities to meet evolving treasury needs across industries.
Overview
The Treasury Management program focuses on five core pillars: cash visibility, working capital optimization, payments and collections, risk management, and reporting & analytics. These pillars are supported by integrated online platforms, API connectivity and personalized service teams that ensure fast implementation and ongoing optimization. Whether the priority is centralizing cash, automating receivables and payables, hedging FX exposures or improving short-term investments, the solution delivers practical tools and strategic guidance.
Key Features
- Real-time Cash Visibility: Consolidated dashboards provide enterprise-wide cash positions, intra-day balances, and position forecasting for subsidiaries and account structures.
- Payments & Disbursements: Secure initiation and multi-channel payment capabilities including ACH, wire transfers, same-day push payments and customizable approval workflows.
- Collections & Receivables: Lockbox services, remote deposit capture, electronic invoicing and automated remittance posting reduce DSO and accelerate cash inflows.
- Liquidity Optimization: Zero-balance accounts, notional pooling, sweeping and controlled disbursement solutions maximize interest efficiency and minimize idle balances.
- Short-Term Investment Management: Access to a suite of money market placements, time deposits, and custom sweep programs that balance yield and liquidity needs.
- Foreign Exchange & Hedging: Tactical and strategic FX tools, including forwards, options and structured hedges, support predictable cash flows for international operations.
- Fraud Prevention & Security: Multifactor authentication, transaction anomaly detection, positive pay, ACH blocks and filters, and role-based access control protect against emerging threats.
- API & Systems Integration: Robust APIs and file-based connectivity enable straight-through processing with ERP, payroll and accounting systems for improved efficiency and reconciliation.
- Advanced Reporting & Analytics: Customizable reporting, automated statement retrieval, cash forecasting models and KPI dashboards support informed decision-making.
Benefits
- Improved Working Capital: Faster collections, optimized payment timing and centralized cash controls free up capital for strategic initiatives.
- Operational Efficiency: Automation of manual tasks reduces payment errors and reconciliation time, lowering operating costs.
- Enhanced Risk Management: Integrated hedging and limits, plus proactive fraud controls, reduce exposure to market, credit and operational risks.
- Scalability: Modular services allow organizations to adopt capabilities incrementally as complexity and volume grow.
- Regulatory & Compliance Support: Services are designed to align with current regulatory frameworks and reporting requirements, supporting audit readiness.
- Strategic Advisory: Dedicated treasury specialists provide benchmarking, liquidity stress testing and tailored strategies to meet client objectives.
Technology & User Experience
The platform emphasizes intuitive user experience and secure access. A centralized online portal consolidates payment initiation, approval workflows, balance inquiry and reporting. Mobile access enables key approvals and alerts on the go. For corporations with advanced technical needs, a comprehensive API layer enables real-time data exchange, automated payments and reconciliation with ERP and treasury systems, ensuring straight-through processing and reducing manual exceptions.
Security & Compliance
Security is embedded across people, processes and technology. Tiered authentication, encryption of data in transit and at rest, continuous monitoring and configurable entitlements ensure rigorous protection of financial assets and sensitive information. Fraud mitigation tools such as positive pay, ACH blocks, dual controls and transaction monitoring reduce the risk of unauthorized activity. The suite is designed to support regulatory compliance and record retention obligations across jurisdictions.
Implementation & Support
Implementation is managed through a structured onboarding program that includes needs assessment, solution design, system configuration, testing and user training. Dedicated client teams work with internal IT and treasury personnel to ensure smooth integration with existing systems and minimal operational disruption. Ongoing support includes a combination of relationship management, technical support and periodic reviews to adjust strategies as business needs change.
Customization & Industry Solutions
Treasury Management services can be tailored for specific industries—such as healthcare, manufacturing, retail and financial services—addressing unique payment cycles, receivables patterns and regulatory considerations. Customized controls, reporting packages and settlement configurations ensure that industry-specific workflows are supported and optimized.
Analytics & Strategic Insights
Built-in analytics and advisory capabilities help treasurers translate data into actionable insight. Cash flow forecasting, scenario modeling, and liquidity stress tests enable proactive planning. Periodic benchmarking reviews and KPI tracking help organizations measure the success of treasury initiatives and identify opportunities to improve returns or reduce risk.
Who Benefits
- Corporate treasurers seeking centralized cash management and enhanced visibility.
- Finance teams aiming to automate payments and reconciliation workflows.
- Companies with international operations needing FX management and cross-border payment solutions.
- Organizations focused on reducing fraud risk and strengthening controls.
- Growth-stage enterprises requiring scalable treasury infrastructure to support expansion.
Conclusion
First Horizon National Corporation's Treasury Management offerings deliver a balanced combination of technology, controls and strategic counsel to support modern treasury needs. By focusing on visibility, liquidity, risk mitigation and operational efficiency, the suite helps organizations optimize cash resources, reduce costs and strengthen financial resilience. Whether implementing basic cash concentration or building an advanced, integrated treasury ecosystem, the program is designed to evolve with a company's changing priorities and scale.
Address Bank: Memphis, Tennessee, U.S.
Bank: First Horizon National Corporation
Headquarters: Memphis
Products: Payments & Treasury
Type: Treasury Management
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