ABA Banking Journal Podcast

ABA Banking Journal Podcast

Bank executive insights, unique business strategies, regulatory updates from D.C., and fun banking stories—all this and more on the ABA Banking Journal Podcast, brought to you weekly by the American Bankers Association's award-winning podcast team.

Episodes

February 16, 2024 10 mins

“We’re really focused on increasing competition and innovation in the core provider landscape,” says ABA Core Platforms Committee Chair Kristiane Koontz. “We want to make sure that people know core conversions are an option, and we want to help make that easier and less risky for banks to undertake. But in many cases, a core conversion may not be the right path.”

On the latest episode of the ABA Banking Journal Podcast, the host ca...

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Sometimes there are good reasons for friction in the banking experience: to stop fraud, to comply with laws. But sometimes the friction is a result of legacy tech — and legacy thinking. On the latest episode of the ABA Banking Journal Podcast, Anne Tangen, a bank IT expert-turned-CEO at BankFive in Fall River, Massachusetts, talks about BankFive’s efforts to reduce friction in the account opening process, as well as her work to smo...

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The multiyear effort to change the credit scoring models required by Fannie Mae and Freddie Mac continues to move forward, and mortgage lenders, credit officers and compliance professionals need to know the latest developments. On the latest episode of the ABA Banking Journal Podcast, ABA VP Sharon Whitaker provides an update. Among other topics, Whitaker discusses:

  • The operational challenges of moving from today’s tri-merge s...
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Late in 2023, Warsaw Federal — a $71 million mutual savings and loan in Cincinnati — was officially designated as a minority depository institution. The move to MDI status is part of the 130-year-old bank’s pivot to serving its community more deeply while building its capital base to support growth. On the latest episode of the ABA Banking Journal Podcast, President and CEO Robie Suggs discusses the bank’s strategy.

Among other top...

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Last week, the ABA Banking Journal Podcast featured the CEO of Esquire Bank, a nationwide bank with a focus on law firm banking. On the second part of this two-part series, the podcast welcomes Kyall Mai, chief innovation officer, to discuss how the bank reaches this niche market. With the goal of getting lawyers (“who are often very difficult to convince,” he notes) to switch banks, Mai emphasizes the need for content marketing, d...

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Esquire Bank has found a strategy that turns the typical ratio of business client loans to deposits on its head. Through its nationwide vertical of services for law firms, Esquire Bank brings in roughly $1.80 in core deposits for every dollar lent. On the first ABA Banking Journal Podcast episode of 2024, Andrew Sagliocca — president, CEO and vice chairman of Long Island-based Esquire Bank — discusses the bank’s unique niche in ser...

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On the final ABA Banking Journal Podcast episode of 2023 — sponsored by R&T Deposit Solutions — John Vivian of Patomak Global Partners and ABA EVP Hugh Carney discuss the OCC’s latest Semiannual Risk Perspectivereleased earlier in December. Both past veterans of the OCC, Vivian and Carney explore the agency’s findings — including the way credit risk and leapfrogged liquidity risk over the course of the year and the OCC’s concerns...

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December 8, 2023 22 mins

From the Basel III endgame to Regulation II to new Community Reinvestment Act and Section 1071, 2023 has delivered a regulatory onslaught for the industry. How are bankers navigating the waves of overlapping changes? On this episode, Gary Shook, chair of ABA’s Government Relations Council, reflects on the council’s recent meeting and offers perspectives on how banks can navigate the policy environment.

Shook also highlights areas w...

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For high-net-worth clients, generational transitions can be fraught moments — implicating business ownership sales, control transfers, tax situations, philanthropic decisions and of course family dynamics. On the ABA Banking Journal Podcast — sponsored by R&T Deposit Solutions — Todd Brockwell, president of 1900 Wealth, offers strategies for bankers and wealth managers to help their clients navigate these transitions.

A veteran of ...

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For new couples, does the decision of how to organize their finances — separate accounts, a joint account or a blend of the two — matter? On the ABA Banking Journal Podcast — sponsored by R&T Deposit Solutions — Indiana University marketing professor Jenny Olson discusses new research that provides an answer.

Olson and her colleagues randomly assigned new couples to one of three conditions for a two-year period: using only separate...

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November 10, 2023 16 mins

Family-owned businesses — especially those crossing the mark of $10 million in annual revenue — often have unique banking needs. They have the freedom to make long-term investments, but they also face challenges associated with funding for growth, complex family dynamics and the need to manage liquidity events for family members, says Mikel Williamson, the newly appointed president and CEO of First Bank in the St. Louis area.

On th...

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“When we’re able to take banking to them, at a place where they already have trust with their employer, that’s a bridge,” says Jennifer Huffman of Atlantic Union Bank’s workplace banking product. “From there we’re able to grow that relationship.”

In the latest episode of the ABA Banking Journal Podcast — sponsored by R&T Deposit Solutions — Huffman provides an overview of Atlantic Union’s Solutions Banking product, which brings con...

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“Banks have long supported consumers accessing their own data, but believe it should be done in a safe and sound way that provides them with control,” says ABA VP Ryan Miller. With respect to Section 1033 of the Dodd-Frank Act, the CFPB “has attempted to put that into place here.”

In the latest episode of the ABA Banking Journal Podcast — sponsored by Intrafi — Miller provides an overview of the long-awaited Section 1033 proposed r...

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“Capital investment has surprised a great bit of our economy and the business community,” says TD Bank EVP Bill Fink. “As rates go up, how could we be having stronger capital investment?” In the latest episode of the ABA Banking Journal Podcast — the third in a series of conversations on the business outlook, sponsored by Intrafi — Fink discusses how the fiscal stimulus of the CHIPS and Science Act and the Inflation Reduction Act, ...

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“Often, economic change occurs at this level of the economy,” says Umpqua Bank EVP Richard Cabrera about the middle market of the commercial sector. “While economic concerns still linger, there’s tremendous optimism.” The latest episode of the ABA Banking Journal Podcast — sponsored by Intrafi — continues a series of conversations on the business outlook, following last week’s episode on the perspectives of CFOs at large corporates...

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Corporate CFOs and finance leaders are “best leading indicators.” says Stephen Philipson, head of global markets and specialized finance at U.S. Bank. “They always have to be looking ahead.” On the latest episode of the ABA Banking Journal Podcast — sponsored by Intrafi — Philipson discusses findings from U.S. Bank’s 2023 CFO Insights Report, among them:

  • Large and middle-market corporate CFOs’ accelerated transition from growt...
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September 29, 2023 9 mins

The latest incarnation of ABA’s award-winning #BanksNeverAskThat anti-phishing campaign returns for National Cybersecurity Awareness Month in October. On the latest episode of the ABA Banking Journal Podcast — presented by Servbank — ABA’s Amy Wertlieb talks about new resources this year, including a return of the popular scam quiz and an all-new consumer-facing site plus customizable resources in Spanish. Banks can register for fr...

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September 22, 2023 18 mins

With the availability of credit card rewards at stake under the Durbin-Marshall credit card bill, bill sponsor Sen. Roger Marshall dismisses consumer concerns about their rewards. “Rewards are for rich people,” Marshall said derisively at a Capitol Hill press conference on Wednesday in response to media questions about consumers’ preferences.

Facing Marshall at the press conference just happened to be nearly 50 bankers from his hom...

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Employee resource groups have become an important part of diversity, equity and inclusion strategies at larger companies. On the latest episode of the ABA Banking Journal Podcast — presented by Servbank — two bank leaders explore how the ERGs provided by ABA for bankers to benefit from this kind of resource at banks that may not be large enough to host an ERG in-house.

Among other topics, Latia Coleman and Krys Lassiter, who lead A...

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There’s a lot going on in the innovation space in banking. On the season seven premiere of the ABA Banking Journal Podcast — presented by Servbank — ABA SVP Brooke Ybarra provides an overview of hot issues in the fintech space, including generative AI solutions like ChatGPT. For example, she explores potential use cases for a wide range of generative AI solutions in banks as well as how generative AI can be leveraged by bad actors....

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