Alan Randolph.

Alan Randolph has trouble keeping still--in life and in business. Sitting for an interview in the conference room of Mellon Bank's Miami Beach office, the 37-year-old private banker pivots his chair from side to side, gestures widely with his arms, and tilts back before leaning forward with dimpled cheeks and a broad white smile.

As hyperkinetic as he is, Randoloph draws you in. That's one of the reasons this senior vice president of business development for Mellon United National Bank is serving his second one-year term as chairman of the Miami Beach Chamber of Commerce. He's made a career of banking the young--generations X and Y--targeting South Beach entrepreneurs and local movers in the music and entertainment industry

"I don't bank the doctor who is 65 years old. They're too busy trying to introduce me to their son or daughter." Randolph jokes.

That younger clientele is higher maintenance, requiring more attention and time spent managing their money than older clients would, he readily admits. Randolph's job involves managing relationships more than finances, ...