Higher One provides customized private label and one card banking relationships to higher education institutions. The companys solutions help university partners reduce administrative costs, streamline business processes, increase revenue opportunities, im prove the student experience, and strengthen the campus community. The company is led by a team of executives with backgrounds in higher education, finance, banking, and entrepreneurship. Fred Frank, Vice Chairman of Lehman Brothers, John Griswold, VP for External Communications for the Commonfund, Carl Hanes, Past Chairman of NACUBO, and other leaders in higher education and finance serve as advisors to the company. David Cromwell, former CEO of JP Morgan Capital, and Paul Biddelman, Pr esident of Hanseatic Corporation, serve on Higher One's board.