Banking on Community: Meeting the Needs of Underserved Consumers

Leaders in Lending

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We're trying something different this week: a full post-show breakdown of every episode in the latest season of Black Mirror! Ari Romero is joined by Tudum's Black Mirror expert, Keisha Hatchett, to give you all the nuance, the insider commentary, and the details you might have missed in this incredible new season. Plus commentary from creator & showrunner Charlie Brooker! SPOILER ALERT: We're talking about the new season in detail and revealing key plot points. If you haven't watched yet, and you don't want to know what happens, turn back now! You can watch all seven seasons of Black Mirror now in your personalized virtual theater . Follow Netflix Podcasts and read more about Black Mirror on Tudum.com .…

rok temu 30:15

MP3•Źródło odcinka

From having a child to starting a business, every major life decision comes with financial implications—and with those come concerns and challenges. But even concerns come in all different shapes and sizes, so building trust as a bank means having an in-depth and empathetic understanding of the community they’re operating in.
This week, host Matt Snow speaks with Eric Fiala, Chief Corporate Responsibility Officer at KeyBank and CEO at KeyBank Foundation. Eric delves into the evolving role (and perception) of banks as agents of positive change within their communities. He discusses how banks can go beyond traditional services by providing financial education and involving community leaders to better understand and address the specific needs of underserved areas. Eric shares practical steps that banks can take to truly invest in a community, rather than just operating within one.
Discussed in this episode:

The need to create new homeowners and help build generational wealth.
Gathering information about community needs through outreach and engagement initiatives
How minority depository institutions (MDIs) and community development financial institutions (CDFIs) help underserved communities
Current trends in financial education

166 odcinków

#Tech #Business #Podcasting Education #Dan Sanchez #Credit Union

Banking on Community: Meeting the Needs of Underserved Consumers

Leaders in Lending

published rok temu

Udostępnij

MP3•Źródło odcinka

The need to create new homeowners and help build generational wealth.
Gathering information about community needs through outreach and engagement initiatives
How minority depository institutions (MDIs) and community development financial institutions (CDFIs) help underserved communities
Current trends in financial education

166 odcinków

#Tech #Business #Podcasting Education #Dan Sanchez #Credit Union

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Leaders in Lending

1
Banking’s Next Act: Regulatory Shifts Ahead 24:41

3 dni temu24:41

24:41

As regulatory and political landscapes shift, financial institutions must stay agile and innovative to navigate new challenges and opportunities. In this episode, host Lynn Sautter Beal is joined by David Pommerehn , General Counsel and Head of Regulatory Affairs at CBA, and Billy Rielly , Head of Public Affairs at CBA, to unpack how political shifts, state-level regulations and consumer protection mandates are reshaping the lending landscape. They also dive into the growing influence of AI and the potential for new legal frameworks around crypto and stablecoins. Join us as we discuss: The challenges of navigating regulatory uncertainty with a new administration The growing influence of state-level regulations and consumer protection laws The impact of late fees and overdraft fees on institutions and consumers How AI is reshaping compliance and risk management…

Leaders in Lending

1
AI & The Fed: Is Hiring Changing? 21:46

17 dni temu21:46

21:46

As economic conditions shift, financial institutions must adapt their lending strategies to balance growth, risk, and liquidity. A "Slow and Grow " approach is emerging as a sustainable way to navigate today’s market while expanding financial services. This week, host Lynn Sautter Beal welcomes Joseph Mayans, Chief Economist at Experian North America, to discuss the key economic drivers impacting lending in 2025 live at the CBA conference. They dive into the current state of the economy, including inflation, policy uncertainties and the evolving global landscape. Plus, they explore new lending opportunities in the auto and small business sectors and offeractionable insights on how lenders can remain adaptable to thrive in the coming years. Join us as we discuss: How inflation and policy changes will impact lending strategies The future of auto and small business lending opportunities Navigating economic uncertainty while balancing growth and risk Expert strategies to stay adaptable in a rapidly shifting market…

Leaders in Lending

1
From Europe to the US: Cultural and Market Nuances in FinTech 31:20

6 weeks temu31:20

31:20

In episode re-air, joining our host Ed Walters is Simon Darchis, Head of Partnership at Finwise Bank , to discuss his trajectory in the financial services sector from Europe to the US. With this multi-cultural background in finance, Simon explains the intricacies of FinTech, unraveling the cultural and regulatory intricacies that shape these distinct markets. Ed and Simon discuss: The pivotal role of adaptability in navigating the evolving landscape of financial services Insights into the contrasting FinTech practices between America and Europe, emphasizing the significance of cultural understanding in the industry The critical importance of compliance in FinTech partnerships, from the challenges faced by banks collaborating with FinTechs to the meticulous partner selection process.…

Leaders in Lending

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Capturing Prime Members in 2025 and Beyond 38:24

8 weeks temu38:24

38:24

As economic conditions shift, financial institutions must adapt their lending strategies to balance growth, risk, and liquidity. A “Slow and Grow” approach is emerging as a sustainable way to navigate today’s market while expanding financial services. This week, host Barry Roach welcomes Michelle Goeppner , Vice President of Consumer Lending & Product Strategy at Vantage West Credit Union , to explore how lending programs are evolving post-COVID. They discuss the role of AI-powered underwriting, flexible loan programs, and the importance of internal alignment in driving loan growth. Plus, they dive into how financial institutions are expanding their reach beyond state borders while enhancing community impact. Join us as we discuss: How AI-driven lending programs help manage risk, return, and volume Strategies for deposit growth, cross-selling, and member onboarding The financial wellness programs turning borrowers into savers Innovative mortgage solutions tackling housing affordability…

Leaders in Lending

1
Niche Markets, High Impact: Leading the Charge in Early-Stage Credit Facilities 42:09

10 weeks temu42:09

42:09

In episode re-air, host Lynn Sautter Beal talks with Jillian Murrish , CEO of Pier Asset Management , about the waves she and her firm are making in the market — targeting less liquid and underserved areas while focusing on secondary markets and early-stage credit facilities. Jillian shares her journey from working in online real estate to co-founding Pier Asset Management, while offering valuable lessons on flexibility, operational ease, and evolving borrowing bases for early-stage originators along the way. Join us as we discuss: Why early-stage originators should avoid using expensive equity capital to fund loans The change in defining secured vs. unsecured lending How targeting less liquid areas can help generate alpha and deliver better returns for investors The role of privacy, reputational risk, and the regulatory environment play in decision-making in evaluating potential partners and deals…

Leaders in Lending

1
Credit Unions in Transition: Evolving Mortgage Origination, Auto Lending, and AI Futures 31:07

12 weeks temu31:07

31:07

In today’s episode, we dive into the dynamic world of financial services, specifically auto and mortgage lending. Join host Drew Megrey as he speaks with Rick Moore, the Chief Lending Officer at Maine Savings Credit Union . With nearly 39 years of experience under his belt, Rick provides invaluable insights into the evolving mortgage landscape, tackling challenges like rising interest rates and soaring home prices. He’ll also share how financial institutions are pivoting with innovative strategies in auto lending and unsecured loans to navigate these turbulent times. Plus, we’ll explore Rick’s personal tech preferences and his take on the future of AI advancements in finance. Join us as we discuss: The potential of AI to transform the industry and pave the way for a four-day workweek Why rising home prices and high interest rates have shifted mortgage production. How Maine Savings Credit Union enhances auto and unsecured loan programs while exploring cutting-edge solutions.…

Leaders in Lending

1
Open Banking and the Road Ahead: Post-Election Insights 43:23

14 weeks temu43:23

43:23

As technology evolves, open banking is reshaping how we manage and share financial data, creating exciting opportunities for innovation and better services. In today’s episode, host Matt Snow welcomes Armen Meyer, Co-founder of the American Fintech Council, to explore the world of open banking. Together, they discuss the opportunities and challenges this transformation brings, from balancing innovation with preventing monopolies to what’s next for consumer protection and data privacy. Armen also shares some key post-election insights, exploring how recent political shifts may impact financial regulations, CFPB oversight, and potential rule changes that could shape the future of the industry. Join us as we discuss: The role of balanced regulation in fostering innovation in financial services. How open banking promotes transparency, and the challenges smaller banks face. Key political and legal developments that could influence fintech regulations and the CFPB moving forward.…

Leaders in Lending

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Evolving the Playbook: Tech, AI, and Customer-Centric Lending 38:39

18 weeks temu38:39

38:39

In banking, yesterday’s touchdowns don’t win today’s games. A great product is just the start — constant evolution is key to meeting ever-changing customer needs. In today’s episode, host Matt Snow sits down with Rhett Roberts , CEO and Co-Founder of LoanPro, for an in-depth look at the modern financial landscape. Rhett shares key insights from the recent Money 2020 event in Las Vegas, covering everything from AI’s growing role in financial services to the critical shift toward customer-centric lending. Together, they explore how small lenders can embrace tech modernization, the importance of proactive customer service, and the far-reaching effects of regulatory changes on the industry. Join us as we discuss: Why small lenders should prioritize exceptional, cost-effective customer experiences over geographical reach. How AI and generative tech are transforming financial services, enhancing efficiency and compliance beyond traditional CRMs. The urgent need for financial institutions to modernize their tech to meet customer expectations and leverage open banking.…

Leaders in Lending

1
From Polls to Partnerships: Election Season and the NCUA’s Role in Modern Lending 33:40

20 weeks temu33:40

33:40

In a world where technology rapidly reshapes financial systems, credit unions must innovate to stay ahead. In this episode, host Matt Snow chats with Nat Hoopes, Head of Public Policy at Upstart, as they navigate the fintech landscape and highlight the importance of actionable insights from industry professionals. They discuss the evolving role of the NCUA, the need for diversified products in credit unions, and share compelling anecdotes about Synapse's bankruptcy and Upstart's partnerships with over 100 institutions. Together, they explore the delicate balance between partnership and regulation, the transformative power of AI in lending, and the challenges and opportunities in this dynamic sector. Join us as we discuss: Why insights from real industry professionals outweigh the advice of self-proclaimed "gurus". How AI enhances credit access and performance compared to traditional methods. The importance of partnerships between credit unions and fintechs to offer diverse products and maintain competitiveness amid regulatory scrutiny and technological changes.…

Leaders in Lending

1
Lessons Learned: Equipping Businesses for Future Crises Post-Pandemic 30:01

22 weeks temu30:01

30:01

In the face of unprecedented challenges brought on by the COVID-19 pandemic, small businesses across the nation have demonstrated remarkable resilience and ingenuity, adapting to new realities and discovering innovative ways to survive. On today's episode, host Matt Snow is joined by special guest, Chris Pilkerton, the former head of the Small Business Administration and author of " Plandemic. " Chris shares his unique insights from inside the SBA and the White House, detailing how the Paycheck Protection Program was crafted and executed at lightning speed. We’ll dive into his book, which explores the challenges and triumphs faced by small businesses during the pandemic. Additionally, we’ll discuss the pivotal role of community development financial institutions (CDFIs), the decision-making processes behind massive economic stimulus measures, and the crucial lessons learned for future crisis preparedness. Join us as we discuss: How the Paycheck Protection Program (PPP) sustained jobs and health benefits during the pandemic, highlighting the necessity for adaptable government interventions. Why CDFIs like the Accion Opportunity Fund were vital in providing financial assistance to underserved communities, highlighting the need for inclusive support systems. The importance of pre-written legislation and streamlined processes for swift, effective responses to future crises.…

Leaders in Lending

1
Rising Above the Liquidity Crisis: Navigating Interest Rate Changes with Strategic Oversight 32:47

24 weeks temu32:47

32:47

Can credit unions turn economic setbacks into stepping stones for success? Today, we sit down with Dustin Holmberg , Chief Revenue and Lending Officer at Clearview Federal Credit Union . With $2 billion in assets and a vibrant community of 120,000 members, Clearview is not only surviving but thriving in today’s financial landscape. In this episode, we explore the transformative power of AI, innovative lending strategies, and the critical role of community engagement. Dustin also shares his personal journey and insights on adaptability, revealing what it truly takes to lead in the credit union industry. Join us as we discuss: How Clearview Federal Credit Union manages interest rate changes and liquidity crises through strategic oversight of margins, CD rates, and loan growth. The role of AI and Robotic Process Automation (RPA) in boosting efficiency in underwriting and automating repetitive tasks, empowering employees. Clearview's "digital-first" approach and its expansion of physical branches to enhance community engagement and member convenience.…

Leaders in Lending

1
From Ledgers to Algorithms: Revolutionizing Financial Data 34:44

28 weeks temu34:44

34:44

Ultimately, providing the best financial advice or service is all about having the right data in the right place at the right time. This week, host Matt Snow speaks with Chris Gifford , Chief Data and Analytics Officer at USAA Federal Savings Bank , about the evolution of data analytics within the financial industry—as well as the importance of having a strong data foundation. Chris also shares insights on driving innovation through real-world problem-solving, the democratization of data, and the need to break down data silos for seamless integration. Join us as we discuss: The democratization of deep data analysis and its effects What factors organizations should consider when deciding whether to build, buy, or partner for technological solutions Using timely data analysis to give personalized advice to members Strategies for fostering a culture of innovation within data analytics teams…

Leaders in Lending

1
Banking on Community: Meeting the Needs of Underserved Consumers 30:15

30 weeks temu30:15

30:15

From having a child to starting a business, every major life decision comes with financial implications—and with those come concerns and challenges. But even concerns come in all different shapes and sizes, so building trust as a bank means having an in-depth and empathetic understanding of the community they’re operating in. This week, host Matt Snow speaks with Eric Fiala , Chief Corporate Responsibility Officer at KeyBank and CEO at KeyBank Foundation . Eric delves into the evolving role (and perception) of banks as agents of positive change within their communities. He discusses how banks can go beyond traditional services by providing financial education and involving community leaders to better understand and address the specific needs of underserved areas. Eric shares practical steps that banks can take to truly invest in a community, rather than just operating within one. Discussed in this episode: The need to create new homeowners and help build generational wealth. Gathering information about community needs through outreach and engagement initiatives How minority depository institutions (MDIs) and community development financial institutions (CDFIs) help underserved communities Current trends in financial education…

Leaders in Lending

1
Small Steps, Big Gains: Scaling Success with AI in Credit Unions in 2024 27:06

32 weeks temu27:06

27:06

Like many institutions, credit unions can't afford to be left behind in the race to adapt to the new AI-driven technological landscape. But successfully and responsibly leveraging AI goes beyond adopting AI solutions for the sake of checking off a box—it involves identifying opportunities to collaborate with seasoned partners who can help solve the problems that AI is equipped to solve. This week’s episode features a conversation with Upstart Senior Account Managers Barry Roach and Drew Megrey , which originally took place on an episode of The CU Lab. Barry and Drew outline the crucial role of a strong digital and AI strategy in helping credit unions tackle issues like liquidity restraints and regulatory hurdles—and they explore how strategic AI adoption can help credit unions not just keep up, but lead the way. Join us as we discuss: The importance of transparency and education in forming successful partnerships between AI providers and credit unions Starting small and involving all teams for successful scaling The benefits of AI in underwriting, including better risk prediction and higher approval rates How Upstart’s "Recognized Customer Personalization" feature helps credit unions identify potential borrowers more efficiently…

Leaders in Lending

1
Adapting to Turbulence through Fintech Innovations 31:39

34 weeks temu31:39

31:39

Things need to change, oftentimes more than we’d like. This week, host Matt Snow is joined by Adam Goller , EVP and Head of Fintech Banking at Cross River Bank , for a conversation about transformation and innovation within fintech in the face of turbulent times and shifting preferences. Adam shares his insights on how smart strategy, rapidly evolving technology, and—most importantly—a willingness to adapt, is resulting in creative solutions for today and tomorrow’s challenges. Join us as we discuss: The shifts in entrepreneurship and banking during global events like the 2008 Financial Crisis and Covid-19 Why user experience solutions need to accommodate shorter attention spans The challenges of integrating AI in heavily regulated sectors like banking How the expanded skill sets of today’s students impacts what technical knowledge is required in finance…

Leaders in Lending

1
The CFPB, Financial Regulation and Generative AI… Oh My! 33:35

36 weeks temu33:35

33:35

Although the US Supreme Court recently upheld the CFPB’s funding system—and removed a major threat to the agency’s ability to regulate financial products and services—the future of financial regulation is far from settled or certain. On today’s episode, host Matt Snow speaks with Armen Meyer , Co-Founder of the American Fintech Council , about the implications of the CFPB ruling on the financial industry and other regulatory and government institutions. Matt and Armen also explore the growth of the FinTech industry, the role of regulatory technology, and the potential risks and benefits of generative AI. Discussed in this episode: Why finding a middle ground between pragmatism and aspiration is essential for regulatory stability The relationship between rising interest rates and the decline in bond prices How open banking rules facilitate the free flow of data and enhance competition in the banking sector The disparity in tech investment between big banks and small regional banks…

Leaders in Lending

1
Cashing in on AI: Streamlining Bank Operations 34:07

38 weeks temu34:07

34:07

Successful AI integration isn’t just about saving time or cutting costs—it’s about thoughtfully implementing the technology into areas where it can do the most good for the company and the customer. On today’s episode, host Matt Snow speaks with Will Robinson , CEO at Encapture about AI’s application in financial institutions. Will has seen first-hand the challenges of legacy processes and resistance to change, and he shares specific use cases for successful AI implementation—along with the importance of partnering with experienced vendors. Join us as we discuss: Understanding and assessing risks and trade-offs when considering AI applications The role of regulation and transparency in AI interactions How to navigate the “build vs. buy” question The process of identifying repetitive, rule-based tasks for automation before integrating AI…

Leaders in Lending

1
The Buckeye Boom: Ohio’s Growth in Tech 37:37

40 weeks temu37:37

37:37

When it comes to the tech revolution, it’s not all about the coasts or the biggest cities. Although areas like Silicon Valley continue to dominate the headlines and the public imagination, there’s an undercurrent of tech growth and innovation in “Heartland” and “Rust Belt” areas like Ohio. This week, host Lynn Sautter Beal talks with Chris Berry , President and CEO of OhioX , about the vibrant growth of Ohio's tech industry. Chris explains the industry’s historical evolution in the state, its current challenges, and significant breakthrough investments from major companies like Intel and Google. Discussed in this episode: What strategic leadership and groundwork efforts led to multibillion-dollar investments from Fortune 500 companies The uniquely collaborative nature of Ohio’s tech industry How states like Ohio can leverage their geography to further develop their tech industry Initiatives to expose K-12 students in Ohio to skills and careers in tech…

Leaders in Lending

1
Niche Markets, High Impact: Leading the Charge in Early-Stage Credit Facilities 42:09

42 weeks temu42:09

42:09

In today’s episode, host Lynn Sautter Beal talks with Jillian Murrish , CEO of Pier Asset Management , about the waves she and her firm are making in the market — targeting less liquid and underserved areas while focusing on secondary markets and early-stage credit facilities. Jillian shares her journey from working in online real estate to co-founding Pier Asset Management, while offering valuable lessons on flexibility, operational ease, and evolving borrowing bases for early-stage originators along the way. Join us as we discuss: Why early-stage originators should avoid using expensive equity capital to fund loans The change in defining secured vs. unsecured lending How targeting less liquid areas can help generate alpha and deliver better returns for investors The role of privacy, reputational risk, and the regulatory environment play in decision-making in evaluating potential partners and deals…

Leaders in Lending

1
Shaping Pragmatic Regulations for FinTech Innovation 48:52

44 weeks temu48:52

48:52

There’s no one-size-fits-all approach to regulation in the world of financial services. Sometimes it’s a matter of encouraging fintech companies to engage in responsible behaviors—and other times it’s a matter of allowing responsible FinTech companies to continue operating responsibly without regulatory burdens. This week’s host, Lynn Sautter Beal, is joined by Phil Goldfeder , CEO at American Fintech Council , and former New York State Assembly member. Phil has a wealth of experience and knowledge in the realm of regulatory policy—and all of it is informed by the idea of practical and realistic progress that doesn’t get in the way of responsible financial service providers doing their work, or get in the way of people receiving the financial services they need and deserve. Join us as we discuss: How federal regulatory structures can evolve to support FinTech advancements The unintended consequences of “reactionary regulation” Key efforts in establishing industry standards without regulatory mandates The value of working groups and listening sessions involving various players in FinTech…

Leaders in Lending

1
Navigating the Data Race in Financial Services 32:34

46 weeks temu32:34

32:34

For financial service professionals, it’s important to meet the needs of their customers and clients. But it’s equally important that they ensure they’re leaving no stone unturned when it comes to harnessing the latest technological solutions that can make their job — and the consumer’s experience — as frictionless as possible. This week, host Matt Snow is joined by Greg Blausey , Senior Director of Banking Industry Solutions & Strategy at Salesforce , and Amir Madjlessi , Managing Director and Banking Industry Advisor at Salesforce . Greg and Amir bring a commitment to (and insights on) streamlining processes within financial institutions to better serve the customer, and allow financial professionals to focus on what they do best. Discussed in this episode: The importance of fresh and representative data How finance can learn from the world of retail when it comes to the onboarding experience What it looks like to take an outcome-based approach in adopting new technologies Balancing using data usage for personalized service and addressing privacy concerns and regulations…

Leaders in Lending

1
Under Inflationary Pressure: Reshaping Strategy 19:07

47 weeks temu19:07

19:07

On today’s episode, host Lynn Sautter Beal is joined by Matt Hrna , Senior Vice President at Regions Bank to discuss inflationary pressures and market volatility impacting banks today. Leveraging over a decade of expertise and experience, Matt covers a wide range of challenges and opportunities faced by players throughout the financial industry. Although economic uncertainty continues to abound, there are systems and practices lenders can take advantage of to mitigate risk while adopting innovative solutions—all of which Matt helps us uncover. Join us as we discuss: Consumers turning to Home Equity Lines of Credit (HELOCs) to address various financial needs The impact of the student loan repayment resumption on credit behavior Why all lenders should develop a “recession playbook” and remain proactive amid uncertainty The importance of maintaining primacy and deepening relationships with existing customers…

Leaders in Lending

1
The Fairness Frontline: Insights in Fair & Responsible Banking 26:44

48 weeks temu26:44

26:44

For many in the financial industry, it’s not hard to see banks and financial institutions committed to providing services that are both effective AND ethical. But all that work is for nothing if fair and responsible banking practices aren’t carried out successfully. Today, host Lynn Sautter Beal speaks with Lindsay Yousif (Executive Director of Compliance at All y) and Nick Roesler (Fair and Responsible Banking Officer at U.S. Bank ). In their roles as chairs of the CBA’s Fair and Responsible Banking Committee, Lindsay and Nick have done plenty of work and acquired plenty of knowledge on how to proactively and collaboratively address opportunities and concerns in the realm of fair and responsible banking. Join us as we discuss: How to leverage a strong network of banks for guidance and best practices The challenges posed by non-prescriptive guidances and how financial institutions can navigate them Hiring and retaining talent in fair and responsible banking…

Leaders in Lending

1
No Place Like Home Equity: 2024 Lending Insights 26:07

49 weeks temu26:07

26:07

This week, host Matt Snow talks with Mike Shepard , Senior VP - Head of Consumer Lending Partnerships at U.S. Bank , about trends, best practices, and concerns within the world of home equity lending. 2022 was a strong year for the industry despite the upward trajectory of interest rates, and homeowners are continuing to leverage home equity for purposes like debt consolidation and home improvement projects. Still, the industry remains in flux — with regulatory developments, consumer sentiment, and tech advancements shaping the scope of best practices. Leveraging his years of experience in the industry, as well as his role as chair of the Home Equity Lending Committee, Mike provides plenty of actionable insights for lenders and consumers alike. Join Matt and Mike as they discuss: The main challenges of today’s home equity lending market What factors are contributing to Matt’s sense of cautious optimism regarding home values The vital role of collaboration within institutions like the Home Equity Lending Committee. How the uses of home equity funds have shifted over the years…

Leaders in Lending

1
Launching Upstart’s AI Certification Course 15:59

50 weeks temu15:59

15:59

AI is top of mind for most financial services organizations, but the question of, 'where to begin?' remains. Upstart's new AI in Financial Services Professional Certification course is designed to give banking professionals a firm grounding for the potential of AI in financial services —with a particular focus on credit—as well as practical tools to help them begin the journey of applying AI inside their organizations. This week, host Lynn Sautter Beal is joined by Jeff Keltner , Startup Advisor at Upstart — and former “Leaders in Lending” host — to talk about Upstart’s AI in Financial Services Professional Certification course . Discussed in this episode: Why Upstart decided to develop the course — and who it’s for The content and structure of the course modules Process of developing the course (from writing scripts to recording lessons) The importance of empowering financial services professionals with knowledge of AI tailored to their field Register for the course, which is free for a limited time: https://live-upstart-ms.pantheonsite.io/ai-certification/…

Leaders in Lending

1
2024 Auto Trends: Financing, Sales, and Consumer Behavior 34:22

50 weeks temu34:22

34:22

On today’s episode, host Matt Snow is joined by Melinda Zabritski , Sr. Director at Experian Automotive , and Mark Pregman , Head of Credit Operations at USAA . Whether due to rapid technological innovations (like the advent of electric vehicles) or economic factors (everything from lending rates to unemployment), the landscape of auto sales and lending is shifting more rapidly than ever. With their collective experience and expertise in lending and the auto market, Mark and Melinda are perfectly suited to help us make sense of this current moment — to give us a sense of where we may be heading. Discussed this week: Why concerns surrounding affordability persist, despite the rise in average loan amounts The challenges hindering EV adoption How limited inventory impacts affects loan-to-value ratios and shapes consumer purchasing patterns Growing delinquency rates, and what they may be attributed to…

Leaders in Lending

1
Charting the Economic Horizon: Resiliency, Risk and Credit Trends 29:16

51 weeks temu29:16

29:16

To reliably forecast what the future of finance the economy holds, you must be able to assess the current moment. This week, host Lynn Sautter Beal speaks with Joseph Mayans , Chief Economist at Experian , who shares his economic and credit outlook for the year ahead in 2024, along with consumer credit trends and potential risk areas. Join us as we discuss: Key factors shaping a more optimistic 2024 compared to 2023 The dichotomy between a strong economy and labor market with slow credit growth Consumer spending and increased delinquencies The housing market and potential risks on the horizon…

Leaders in Lending

1
Regulation Reimagined: Banking Beyond Partisanship 32:45

1 year temu32:45

32:45

This week, hosts Lynn Sautter Beal and Matt Snow are joined by Kelvin Chen , Senior Executive VP, Head of Policy at the Consumer Bankers Association . Kelvin shares his assessment of the current landscape of financial regulation, innovation, and advocacy. As someone who has worked extensively in both the private and public sectors (including the CFPB), Kelvin has no shortage of expertise and what does (and doesn’t) make for an effective approach to financial regulation that centers the consumer experience and a need for innovation. Join us as we discuss: How politicization of financial regulation has affected the accuracy of facts presented by key players The broad impact of the recent Executive Order on AI Why banks should ramp up their initiatives to educate the public and build trust The current regulatory squeeze on regional banks…

Leaders in Lending

1
Navigating Global and Personal Financial Crises with FinTech 33:57

1 year temu33:57

33:57

With periods of financial collapse and upheaval serving as the catalyst, movers and shakers in the world of digital finance solutions have navigated a host of challenges — all while tending to the concerns of regulators and the needs of consumers alike. This week, our host Lynn Sautter Beal is joined by Penny Lee , President and CEO at Financial Technology Association to break down all things fintech and how it intersects with regulatory changes, financial crises, and innovative product development. Penny brings a wealth of experience in (and hard-won knowledge about) politics, policy, and investing, which allows her to provide nuanced insights into how these realms impact one another. Join Lynn and Penny as they discuss: The benefits of fintech companies positively engaging with regulators Why earned wage access plays such a large role in financial health The evolution of Buy Now Pay Later (BNPL) products and services…

Leaders in Lending

1
Automated Excellence and Adaptive Automotive 27:03

1 year temu27:03

27:03

Joining our host Drew Megrey is Jared Dryer , VP of Consumer Lending and Centralized Deposits at Westerra Credit Union . Jared brings a passion for streamlining processes for employees and consumers alike—and he shares insights from his experience in building and implementing an automated decision engine and rethinking the process for underwriting adaptive auto loans. Discussed in this episode: The challenges of rebuilding a consumer lending program What factors influence the loan-to-value (LTD) ratio Underwriting adaptive auto loans to serve the community Predictions about blockchain’s impact on the banking industry…

Leaders in Lending

1
Where Corporate Growth and Community Impact Collide 36:59

1 year temu36:59

36:59

This week, our host Barry Roach is joined by Nathan Cox , CEO of InRoads Credit Union , to discuss his transition from banking to the world of credit unions, as well as the stakeholder-focused culture and societal impact of credit unions. Nathan’s position and insights have been hard-won, as he’s put no shortage of work into bettering himself—from his days as a walk-on D1 basketball player to an MBA student seeking to address any and all shortcomings. It’s this same level of insightfulness and dedication to growth and personal betterment that Nathan brings to his vision for improved consumer experience. Barry and Nathan discuss: The importance of involving employees in decision-making Why organizations should prioritize member experience and stakeholder value over shareholder growth The relationship between financial literacy and economic development…

Leaders in Lending

1
Data Ownership and Industry Collaboration in FinTech 21:09

1 year temu21:09

21:09

How will responsible data practices and blockchain technology shape the financial technology landscape this year? Join our host, Matt Snow and guest Sanjib Kalita , Head of Industry at Fintech Meetup , as they explore key themes such as data technology, blockchain, and the importance of networking in the industry's evolution. From personal experiences with bad data to the potential of blockchain for data ownership, listeners gain valuable insights into the challenges and opportunities shaping the future of financial technology. Discussed in this episode: Responsible data practices and the need for consumer engagement in the credit industry The potential of blockchain technology for decentralizing data and building trust in credit decisions The significance of networking and collaboration in the FinTech industry for startups, partnerships, and staying informed…

Leaders in Lending

1
From Europe to the US: Cultural and Market Nuances in FinTech 31:20

1 year temu31:20

31:20

Joining our host Ed Walters this week is Simon Darchis, Head of Partnerships at Finwise Bank , to discuss his trajectory in the financial services sector from Europe to the US. With this multi-cultural background in finance, Simon explains the intricacies of fintech, unraveling the cultural and regulatory differences that shape these distinct markets. Ed and Simon discuss: The pivotal role of adaptability in navigating the evolving landscape of financial services Insights into the contrasting fintech practices between America and Europe, emphasizing the significance of cultural understanding in the industry The critical importance of compliance in fintech partnerships…

Leaders in Lending

1
Going Fee-Free: Reimagining Member Satisfaction 32:19

1 year temu32:19

32:19

Stacy Armijo, the Chief Experience Officer at Amplify Credit Union, joins our host Drew Megrey to share her path to credit union leadership and discusses how Amplify has made strides to prioritize their member experience, including going fee-free on checking and savings accounts. Discussed in this episode: Diversity in product development and the importance of aligning products with the needs of diverse customer demographics. The strategic move towards fee-free banking, including the elimination of overdraft fees, prioritizing fairness, equity, and customer satisfaction. Technological evolution and its impact on industry adaptation, from open banking trends to the integration of virtual reality in financial experiences.…

Leaders in Lending

1
Passing the Mic: 2024 Host Lineup 38:39

1 year temu38:39

38:39

The new year always brings change, and Leaders in Lending is no exception. Our long-time host, Jeff Keltner, is taking on new opportunities, but he is excited to pass the mic to a wonderful group of new co-hosts for this new era of Leaders in Lending! Moving into the host seat we have 5 co-hosts joining us, all with deep expertise in the current lending climate. Edward Walters , VP account management at Upstart Matt Snow , Head of solutions consulting at Upstart Barry Roach , Senior Account Manager at Upstart Drew Megrey , Senior Account Manager at Upstart Lynn Sautter Beal , Vice President of Implementation and Success at Upstart Please join us to hear from each their perspective on the current economic outlook and what excites them for the year ahead.…

Leaders in Lending

1
Fifth-Gen Wisdom: Community Bank FinTech Partnerships 32:00

1 year temu32:00

32:00

2023 has been a big year for the advancement of AI across all industries. But how have these changes helped community banks scale and improve their lending portfolios? And how has taking that leap to partner with FinTechs been transformative? Bob Fisher , president and CEO of Tioga Bank , is a fifth generation community banker who believes incorporating partnerships to drive innovation is the best path forward for small banks. He joins Jeff to get into the specifics on what has worked (and what hasn’t) and why collaboration with FinTechs might not exactly be a risk, but a necessity. They discuss: The burgeoning landscape of community banking and strategic partnerships with fintechs Insights into decision-making, risk mitigation, and the challenges of navigating failed collaborations The intersection of financial innovation, AI, and community connection- taking on the role of charitable foundations in the industry…

Leaders in Lending

1
From Big Bank to Community Leader 38:10

1 year temu38:10

38:10

Who would be bold enough to start a bank during a recession? Neil Stevens , President and CEO at Oconee State Bank , and his team were, and he has lessons to share on how the constraints actually helped to build the business. In this episode he reflects on the pivotal moment of launching a new bank during the 2007 recession. The entrepreneurial spirit that fueled this risky move has contributed to the institution's resilience and shaped a strong organizational culture. He also dissects how the unique model of community engagement through a foundation helps to balance high standards with effective leadership. Jeff and Neil discuss: Leveraging opportunities for banking by being more entrepreneurial (how a focus on the construction industry powered them through the pandemic Insights into building and maintaining a positive organizational culture The unique model of community engagement and effective charitable giving via a foundation supporting over 50 organizations in local communities…

Leaders in Lending

1
Cultivating Diversity: Innovative Strategies for Credit Unions 32:56

1 year temu32:56

32:56

With the right mix of innovation and growth, credit unions can prioritize community, culture, and informed decision-making in serving diverse markets. Corlinda Wooden , SVP/Chief Retail Officer at Unitus Community Credit Union , discusses the development and execution of their comprehensive strategic plan aimed at serving diverse markets. Driven by passionate leadership, their approach emphasizes authentic community engagement. Leveraging data insights, translation services, and strategic partnerships, the credit union tailored their offerings to meet the specific needs of their members. Join us as we discuss: How Unitus Credit Union developed a three-year strategy targeting the Hispanic community, founded on trust-building and authenticity Understanding how data analytics guides growth opportunities and can shape a credit union's product offerings How a combination of strategic partnerships, employee involvement, and the integration of AI brought success to the credit union's lending program…

Leaders in Lending

1
Cognitive AI for Transformative Customer Service 35:51

1 year temu35:51

35:51

AI is not inherently intelligent, but do we need our computers and machines to think like us? Some might be reluctant to test the boundaries of Generative AI intelligence, but Peter Voss , CEO & Chief Scientist at Aigo.ai , has spent his career figuring out how to build software that has common sense and can reason. He sees a distinct need in business for cognitive AI to go beyond what a programmer can dictate so that technology is anticipating, and solving, real-world problems efficiently. Businesses stand to dramatically reduce the cost of goods and services by having a lot more things automated- particularly banks and other businesses with vast customer facing workforces. Join Jeff and Peter as they discuss: The capabilities and limitations of AI intelligence models in customer service The necessity of embracing cognitive AI for achieving human-like intelligence The transformative potential of advanced chatbot technology for Fintechs…

Leaders in Lending

1
High-Touch Service in Changing Commercial Lending Tech 44:27

2 years temu44:27

44:27

Is your bank adapting to evolving credit demands? Banks and private lenders have been slow to adopt technology, but with shifting demands for credit products in both consumer and business markets, the imperative to offer a diverse portfolio of lending products is higher than ever. Michael Barnett , Founder and CEO at Loanspark , shares how banks are leveraging automation and the innovative ways technology is streamlining processes and increasing efficiency in the commercial lending landscape. Join us as we discuss: The impact of customer preferences on the lending process The role of technology in high-touch vs. low-touch communication Key practices and insights for improving customer service…

Leaders in Lending

1
Synchronizing Values and Operations for an Aligned Brand 38:58

2 years temu38:58

38:58

Your home page highlights your bank’s main points of focus — are you conveying the right message? Whether it be blog posts serving to inform and educate the community or new lines of products available for sale, your customers can get a grasp on what is important to you very quickly. If your homepage creates an incomplete picture of your business, it may be time for a brand refresh. Grace Bruins , Marketing Officer at Horicon Bank , joins the podcast after recently working on a massive brand refresh with critical insights for getting your message across the right way. Join us as we discuss: The three core principles of a successful brand refresh Enhancing communications and transparency for a cohesive brand image The importance of embracing collaboration or competition with FinTech companies…

Leaders in Lending

1
Approaching Community Banking Through First Principles 37:36

2 years temu37:36

37:36

For a community bank to connect with today’s clients and the clients of the future, they must be at the forefront of technology. Darryl Caffee , SVP, Director of Retail Lending at Webster Five found his way into the banking industry through law. His unique perspective and experience have allowed him to take non-traditional approaches to community, business and designing lending solutions. Darryl joins us to share how and why today’s smaller and community banks need to embrace a larger lending mentality to succeed in the marketplace. Join us as we discuss: Empathy as an innovation driver and how understanding diverse perspectives is a key to growth The importance of embracing a culture of adaptability and evolution Leveraging data to make informed decisions and retain customer-centricity…

Leaders in Lending

1
Combating Financial Fraud: Fintech’s Game-Changing Role 40:29

2 years temu40:29

40:29

For so long, new tech has been utilized by fraud artists, costing many unsuspecting victims countless dollars. Now, AI tools and strong fintech partnerships could be used to stop fraud in its tracks. With quickly evolving innovations, financial institutions must be at the forefront of tech. Kyle Hauptman , Vice Chairman at NCUA shares his views on the changes facing the industry and how they can be beneficial for everyone. Join us as we discuss: Adapt or close: staying relevant in today’s tech-powered world The relationship between regulations and fintech partnerships Preventing scams and fraud using revolutionary AI…

Leaders in Lending

1
Cross-selling Members for Long-term Growth 34:46

2 years temu34:46

34:46

Commonwealth Credit Union’s partnership with Upstart shows how fintech partnerships can unlock potential in financial institutions. Automation drives innovation, allowing for financial institutions to focus on what matters most: supporting their customers in their journey to stellar financial health. Our guest for this webinar, Jaynel Christensen , Chief Growth Officer at Commonwealth Credit Union , discusses the new opportunities being made available. Join us as we discuss: Innovative solutions made available through fintech partnerships Enhancing member experience with seamless digital and in-person strategies Cross-selling and financial literacy services…

Leaders in Lending

1
Reading the Auto & Housing Markets: Inflation & Deflation Trends 31:31

2 years temu31:31

31:31

The rising interest rate environment of the first half of 2023 have many fearful recession is on the horizon, but, simultaneously, there are some indicators that inflation is beginning to subside. Curt Long , Chief Economist and Vice President of Research at NAFCU , shares his expectations for the auto and housing markets as well as key economic signals to watch for, Join us as we discuss: Possible deflation ahead for auto and housing The Federal Reserve’s approach and the FIA-FIT Predictions and how to prepare for what is yet to come Want to learn more about how Upstart partners with banks? Check out this case study mentioned in the episode.…

Leaders in Lending

1
Partnering With a Fintech to Diversify in Challenging Times 59:21

2 years temu59:21

59:21

For community banks, scaling a personal loan portfolio profitably without introducing risk is a challenging feat – especially with the added constraint of limited resources. Through fintech partnerships, AI and automation, institutions are able to streamline a vast majority of banks' processes for creating a modern, all digital lending experience, analyzing risk factors and more. Even more, institutions are able to rapidly tailor their products to meet their customers’ needs. With the extraordinary amount of innovation recently in the financial universe, ensuring accurate reporting, regulatory compliance and transparent, trustworthy fintech partnerships can be a challenge. Julie Thurlow , President & CEO at Reading Cooperative Bank , and Phil Bryan , Chief Banking Officer at Reading Cooperative Bank , join us for a tell-all webinar where they cover these topics and more. Join us as we discuss: Tech, automation and AI: streamlining processes and tailoring products Building a successful, transparent fintech partnership Ensuring compliance in a tech-backed environment…

Leaders in Lending

1
How Innovation in Servicing Drives Loyalty 46:33

2 years temu46:33

46:33

Around 90% of a loan lifecycle and engagement happens in the world of servicing, but no one really talks about it. From getting approved to taking a loan through the final stage of closing an account, servicing matters for customer experience and loyalty, ultimately driving business outcomes. We’re joined by Matt Bivons , Founder & CEO at Canopy — an organization focused on helping lenders be better operators through their easily integrable loan management platform and cutting-edge suite of tools. Matt shares insights he’s gleaned from a myriad of experiences throughout a decade in FinTech to show exactly why servicing matters. Join us as we discuss: Canopy’s focus on exceptional customer service and deep expertise in student lending Call for adaptation and innovation to meet the needs of rapidly changing dynamics in FinTech Data migration and scalability: careful planning and gradual expansion…

Leaders in Lending

1
Leveraging Predictive Analytics to Expand Relationships 43:27

2 years temu43:27

43:27

From his position as Product Manager at Umpqua Bank , Ben joins us to shed some light on the challenges and benefits of cross-pollinating data and technology, tailoring services to meet unique needs, exploring alternative credit scoring methods and automation, and more. In today's rapidly evolving digital landscapes, finding a sustainable balance between human interaction and digital automation in lending is paramount. Join us as we discuss: Navigating interest rate sensitivity and the benefits of data cross-pollination How Wealth Management Groups help keep operations customer-centric Why automation needs a balanced level of human interaction…

Leaders in Lending

1
Adopting an Entrepreneurial Mindset in Banking 32:05

2 years temu32:05

32:05

After being robbed three times in two weeks as a teller, David Reiling took quite the interest in bank security. Now serving as the Chief Executive Officer, FinTech Leader, B Corp Advisor and Board Chair at Sunrise Banks , David joined the show to share invaluable expertise gained through years of operational experience ensuring security in every area of banking. Forming fintech partnerships can alleviate a host of difficulties plaguing banks, but banks must also ensure they have proper cybersecurity in place. Join us as we discuss: Cybersecurity, liquidity management, and bank collapses Fintech partnership risk management Community banking: creating long-term franchise value Want to learn more about how Upstart partners with banks? Check out this case study mentioned in the episode.…

Leaders in Lending

1
A Former NCUA Chairman’s Perspective on Innovation 38:05

2 years temu38:05

38:05

Credit scores determine where people live, where their kids go to school, what they drive and even where they work. Couple that with the fact that nearly half of minority households can not cover an emergency $400 expense. Rodney Hood , Eleventh Chairman and current Board Member of the National Credit Union Administration , made financial equality his mission. Fintech partnerships enable credit unions to extend credit access and provide financial literacy education services, ultimately creating a more prosperous future. Join us as we discuss: Financial Equality: A Civil Rights Issue Fintech Partnerships: Resource Redistribution Investing in the Future…

Leaders in Lending

1
Trust and Optimization During Volatile Times 49:39

2 years temu49:39

49:39

Volatility management is a component of banking that should always be on management’s radar, especially after recent bank collapses. Thoroughly understanding the waves of volatility leads to improved risk management and a strong culture of trust with customers. David Sayers , Chief Financial Officer at Maine Savings , believes by prioritizing internal and external continuous education and improvement, credit unions will optimize and become more trusted by their members. Join us as we discuss: Volatility management in banking Stability and education fostering trust with members A culture of continuous internal improvement Want to learn more about how Upstart partners with credit unions? Check out this case study mentioned in the episode.…

Leaders in Lending

1
Power of Collaboration: Maximizing Efficiency with Fintech Partnerships 37:01

2 years temu37:01

37:01

Banking has been hit with a whirlwind of technologies in recent years. With growing tech stacks that only continue to increase in complexity, it’s important to pick and choose which tech offers the best solutions. Fostering a strong organizational culture that focuses on understanding your customers to provide them with the right technology is key. Matt Pierce, Chief Lending Officer at Leader Bank , joins the podcast to discuss how to create this culture, the importance of close fintech partnerships, launching and adapting during the pandemic, and much more. Join us as we discuss: Fintech partnerships: the road to efficiency Leader Bank’s PPP response and role as a minority depository institution (MDI) Culture and communication in banking Want to learn more about how Upstart partners with credit unions? Check out this case stud y mentioned in the episode.…

Leaders in Lending

1
The ‘Moonshot versus the Pragmatic Approach’ to Digitization 42:08

2 years temu42:08

42:08

Technology is revolutionizing the world. With continuous iterations of tools and processes, people juggle between implementing with careful consideration and jumping head-first into large-scale digital transformation projects. How can banks pragmatically embrace these digital advancements without losing touch with in-person experiences? Ben Udell , SVP Client Experience at Lake Ridge Bank , is the guide to the future of banking, and how to successfully integrate helpful technologies while retaining the value of face-to-face experiences. Join us as we discuss: Balancing pragmatic and moonshot approaches How community banks can compete with enterprise banks with service Consumer credit trends, including BNPL and personal loans…

Leaders in Lending

1
CRO Perspective: Balancing Risk and Innovation in Banking 35:43

2 years temu35:43

35:43

Over the past few weeks, there has been a shift in the nature of risks in the banking world — the federal government playing a significant role in stabilizing. These experiences have highlighted the dynamic nature of risks in finance and banking and the need for a responsive government, ready to take action. On this episode, we’re joined by Kristina Schaefer , General Counsel, Chief Risk Officer & Chief Administrative Officer at First Bank & Trust. We dive into the evolution of banking (and government involvement) over time and what it means for today. According to Kristina — banks must adapt from traditional methods to meet the quickly evolving needs of today's financial markets. Join us as we discuss: The past, present and future of the banking and federal government relationship Current state of risks, and what it means for federal involvement Importance of people, culture and community in banking operations…

Leaders in Lending

1
Addressing Concerns in New Auto Consumer Protection Rule 29:13

2 years temu29:13

29:13

Last June, the Federal Trade Commission proposed a new rule regarding consumer protections. This rule would greatly affect auto dealers, placing greater restrictions and imposing new duties. This week, we sat down with Paul Metrey , Senior Vice President, Regulatory Affairs for the National Automobile Dealers Association to discuss the FTC’s Safeguard Rule going into effect June 9. Join as we discuss: The challenges surrounding the FTC’s proposed rule How dealers can comply with these updated requirements Forward-looking trends in automotive, including EVs and connected customer experiences…

Leaders in Lending

1
Keeping Pace with Risk Mitigation and Regulatory Changes 33:29

2 years temu33:29

33:29

Consumer credit is a hot topic. With new credit products like Buy Now Pay Later (BNPL) hitting the market and the always-evolving impacts of credit reporting, banks need to expertly hone their underwriting to strike the optimal balance between business and risk. In this episode, Aaron Rykowski , SVP, Chief Compliance Officer at WesBanco , and Jennifer Ruggiero , SVO - First Line Director at M&T Bank , examine the latest trends in consumer credit and what they mean for your financial institution. Join us as we discuss: Risk and compliance management in today’s economy Trends in consumer credit, including new products and reporting Why you can’t afford to not invest in new technologies to facilitate compliance, risk-mitigation and underwriting — and how to properly use your data to support these efforts…

Leaders in Lending

1
Combating Fraud Attacks In Banking 31:59

2 years temu31:59

31:59

Fraud is on the rise — bad news for banks and customers alike. In today’s digital world, criminals have more tools at their disposal than ever before. And financial institutions, government and consumers all have a part in defeating them. In this episode, Rakesh Mirajkar , Head of Consumer Bank Fraud and AML and Managing Vice President at Capital One joins the show to examine the multi-pronged approach that countering bank fraud requires and how individual organizations can play their part. We discuss: The resurgence of fraud post-pandemic and the impact of digital activity New fraud scams Why consumer engagement and education plays a critical role in mitigating fraud risk The future of fraud-risk controls…

Leaders in Lending

1
Rapid Digitization in the Auto Market 30:02

2 years temu30:02

30:02

The auto industry is racing into the future, whether it’s the surge of electric vehicles in the current market or the promise of self-driving cars one day taking it over… And that means auto lenders need to keep pace or get left in the dust. In this episode, Becky Philippi , Director of Indirect Lending at First Interstate Bank , and Fabien Thierry , Head of Consumer & Small Business Vehicle Lending Product at Bank of America , share what lenders need to know about the future of the auto industry. We discuss: The impact of inventory shortages Digitization in the auto market spurred by changing consumer expectations and other electric vehicle companies Why lenders need to be flexible, devoted to client experiences and forward-thinking to prepare for the road ahead…

Leaders in Lending

1
Deposit Management in a Post-SVB World 25:51

2 years temu25:51

25:51

Though deposits at many institutions are down while uncertainty around the future is growing, Jeff sits down with two experts in the deposits space who offer strategies for organizations to thrive in the current financial climate. Angela Conti , Head of Deposits and Retail Payments, USAA , and James Morgan, Head of Deposit Product, Pricing & Portfolio Strategy, Capital One , join the show to demystify declining deposits and post-SVB uncertainty. We discuss: The lingering effects of the pandemic still influencing deposit behavior Illuminating the benefits of digital acquisition What your organization can do to maintain a competitive edge…

Leaders in Lending

1
The Regulatory Outlook at CBA Live 32:54

2 years temu32:54

32:54

With new regulations on the horizon — what do these changes mean for your institution? Dan Smith , EVP, Head of Regulatory Affairs at the Consumer Bankers Association , has the answers in this rundown from the CBA LIVE conference. The banking world runs on rulebooks, and with unprecedented events such as the failure of Silicon Valley Bank, additional chapters are in rapid development to get ahead of the Congressional Review Act in April/May of 2023. Join us as we discuss: Section 1071 and its implications for small-business lending Section 1033 of the Dodd-Frank Act for consumer access to financial records The proposal for lowering credit card late fees…

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