EMS specializes in partnering with clients to optimize sourcing strategies and reduce clients third party vendor spend. 

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Our Mission

Expense Management Solutions (EMS) mission is to help clients achieve increased profitability. We accomplish this by collaborating with clients and assisting them on how to best optimize their third party relationships. We develop a strategic partnership built on trust and loyalty, and ensure we deliver a high return on investment.

Expense Management Solutions

Why Us?

EMS provides thought leadership and is committed to maintaining your privacy, adhering to the highest standards of ethical behavior, and aims to set the standards for excellence. Our track record speaks for itself.

Experience You Can Count On

EMS is a ‘niche and specialist’ supplier in strategic sourcing and expense management. EMS listens to your particular needs and ensures execution against your specific goals and objectives to optimize your supplier relationships.

EMS leverages 20+ years of ‘hands-on’ experience to proactively identify sub-optimal third party vendor relationships, and develops strategies and recommendations to ensure you achieve the optimal balance of cost, flexibility, risk and performance. EMS client's range from a start-up to numerous Fortune 500 companies in the Financial Services space.

Let's Partner!

Whether you desire to complete a benchmark assessment or require additional strategic sourcing expertise, EMS’ unique and flexible model enables clients to leverage EMS industry knowledge and subject matter expertise to achieve the best outcome.

Expense Management Services

Service engagement options include the following:

Benchmark Services

EMS provides industry, peer, and vendor assessments to proactively assist clients with identifying sub-optimal processes and third party relationships, and ensures you achieve optimal cost structures and related terms based on your specific business requirements, goals and objectives.

Managed Services

EMS provides a high caliber staff augmentation managed service (longer term) and can work as an extension to your team on various projects. In such instance, we collaborate with your sourcing team to combine your internal knowledge and our external subject matter expertise to achieve the best outcome.

Project-based Services

EMS provides high caliber (short term) staff augmentation services for individual projects when clients experience FTE constraints, lack specific industry expertise, or require a short-term solution. This provides clients with flexibility in not having to bear on-going fixed resource costs once a project is complete.

Expense Management Categories

EMS breadth and depth of category knowledge include, but are not limited to, the following:

Core Banking Services

Consumer Lending; Credit Card; Branding; Marketing; Credit Risk Agencies; Risk, Fraud and other Data Providers; Verification Services; AML; Collections; etc. 


Platforms: Servicing, Decisioning, Processing, Originations, Asset Management, Payments; Software, Cloud, Call Center, IVR, etc. 

Professional Services

IT and Non-IT Resources, Contingent Labor, Subscriptions, SaaS, SLAs, Invoice Audits, Contract Gap Analysis, Sole Source and RFx Best Practices, Negotiations, Rebates, Assessments, Spend Analysis, etc. 

Contact Us!

Please contact us at [email protected] or call (302) 373-1821 to discuss how we can work together to help you achieve your expense reduction goals and objectives!

Executive Biography

Hi, I'm Steve Catalina!

Prior to establishing Expense Management Solutions Inc., in 2014, I was a Senior Manager at Supplier & Expense Strategies (SES). My expertise is helping companies achieve increased profitability by reducing operating expenses with their third-party suppliers. My expertise in the financial services industry includes large complex spend categories e.g. credit risk and fraud, servicing platforms, card branding, technology, professional services and other IT and non-IT related services. My skills include vendor spend analysis, proactively identifying sub-optimal supplier relationships, benchmarking, strategy development, financial analysis and modeling, contract negotiations, project management and execution services. Collectively, I contributed more than $200MM in annual run-rate savings for clients since 2014.

Prior to SES, I was Vice President of Supply Chain Management at Wells Fargo. I led strategic sourcing activities in the credit & risk management category, specializing in negotiations with the major credit risk agencies and other related vendors. In this role, I directly supported the Wells Fargo Mortgage and Card Services lines of business, and generated over $25MM in annual run-rate savings during the 2009 calendar year. I joined Wells Fargo on January 1, 2009 as part of the Wachovia merger and lead two merger integration teams. Prior to the Wells Fargo merger, I was Vice President of Global Supply Chain at Wachovia.

Before joining Wachovia, I was a Vice President responsible for enterprise-wide sourcing engagements within the JPMorganChase Card Services division, specializing in card rewards and card member benefits as well as other complex spends, and lead two merger integration teams responsible for bringing together spend categories following the merger of JPMorganChase and Bank One.

Earlier in my career, I spent more than six years with The Vanguard Group, one of the world’s largest investment firms, where I was a Procurement Facilitator specializing in IT software, maintenance and professional services contracts.

I earned a Master’s Degree in Business Administration and a Bachelor’s Degree from Widener University in Pennsylvania. My interests include spending time with family, baseball, reading, and supporting local charitable organizations. My wife and I have three children and reside in Wilmington, Delaware.