Last year, United States banks earned $40 billion to $45 billion from deposit-gathering activities, according to Mercer Oliver Wyman, a financial services consulting firm.

But Chris Formant, head of the financial services consulting practice at BearingPoint, says experienced consultants do not use such jargon anyway.

Podolny is also a member of the Board of Advisors of Greenwich Associates, an institutional financial services consulting and research firm.

"Their advertising position is correct," said William T. Gregor, the head of financial services consulting at Gemini Consulting in Boston.

Mercer is an American global human resource and related financial services consulting firm, headquartered in New York City.

This year, nearly $5 billion of the money that well-meaning givers have put onto gift cards will go unspent, according to TowerGroup, a financial services consulting firm.

"If Citicorp and Travelers do it right, they will change the industry," said Scott Birnbaum, Mercer's director of global financial services consulting.

"What stands out here is the orderly nature of the succession," said John Keefe, president of a financial services consulting company bearing his name.

He also serves as chief strategy officer of Promontory Financial Group, a global financial services consulting firm.

The bride's father is the senior vice president of marketing in the New York office of PSI Global, a financial services consulting firm.