This sole proprietorship is very profitable, and has a profit sharing scheme that is not transparent or predictable.
Most of this organization's revenue comes from fee (overdraft protection) implementation and risk management. Of all the players in this market theirs seems to be the easiest for the client to operate and compatible with every core DP system.
The number of providers of this service are shrinking, the regulations around it expanding, especially with the CFPB (Some considered it undisclosed lending, though I do not share that conclusion) so it's unlikely any new firms will enter this marketplace.
You will like working for this company if you don't mind unplanned requests for overtime, and adjusting your expectations of what's efficient and effective to mirror your managers.
Very tough environment for those who see process improvements, enjoy thinking for themselves, and do not choose to drink.
The founder, and owner is about 70 and had no heirs besides his wife who is also an executive, and very smart. When I worked for them I did not see any signs of preparation for the day the owner is no longer able or interested in being involved in the business. That may well have changed recently.