A Director at PFM Group Consulting, Ms. Miller leads the Treasury Consulting practice which consults with government, higher ed, healthcare and not-for-profit entities on their banking and treasury operations. PFM’s Treasury Consulting practice specializes in organizational assessments, banking RFP and vendor selection services, fee analysis and negotiation, and banking implementation and transition services.

Ms. Miller began consulting after a 30-year career in the financial services industry, including Prudential Insurance & Financial Services, Bank of America and 20 years at J.P. Morgan Chase where she held a variety of roles in sales, relationship management, and implementation within commercial card, merchant services and treasury services, all within the government, higher ed, healthcare and not-for-profit space.

Early in her banking career, Toinette implemented and managed the very complex state of Texas commercial card program including direct management and support of over 1100 Texas agencies and municipalities. Through consulting with the Texas State Comptroller’s office on fiscal and procurement policy, the program saw significant growth and expansion to state agencies, universities, cities, counties, school districts, special districts and not-for-profit entities within Texas and beyond. Growing from $200K to nearly $1B in annual charge volume, the program became and still is a significant source of revenue for the state of Texas.

Toinette directs PFM’s programming and educational content on banking and treasury topics, delivered through lectures and speaking engagements at GFOA and other industry conferences. A GFOA member, Toinette was recently appointed to serve as an advisor to TIM Committee. Toinette is also a member of Women in Public Finance and serves on her firm’s Diversity, Equity and Inclusion steering committee. Toinette and holds a B.S. in Business Administration and a B.S. in Criminal Justice from Arizona State University and an MBA from Western International University.