Banking Out Loud

Key Takeaways:

• Lenders can use AI to build profiles on prospects and their companies ahead of meetings, helping them show up better prepared and anticipate borrowers’ questions.
• Setting aside just 10 minutes a day to experiment with AI is a simple, practical way to start building an AI-ready sales habit.
• Customizing AI settings with your role and objectives turns generic responses into tailored ones specifically to your ...

Key takeaways: 

• AI frees bankers to be more strategic.
• Use AI to be more human. Saving time on time consuming tasks means more time developing customer relationships.
• Human judgment, AI policies, and training are essential.

Artificial intelligence is rapidly reshaping how community banks work and how customers evaluate financial services. In this episode of Banking Out Loud, hosts Nancy Ozawa and Virginia Robbins sp...

Key takeaways: 

• Understand what community financial institutions need to know about digital assets and stablecoins from a banker who built a digital asset bank from the ground up.
• Learn how deposits, liquidity, and customer relationships can be affected as customers move funds into crypto exchanges and fintech apps.
• See which compliance and risk management upgrades community financial institutions should consider before o...

From CEOs down through the front line, culture is no longer just a buzzword — it’s how organizations attract and keep talent, adapt to change, and drive performance. But what does healthy culture look like day-to-day, and how can leaders build and sustain it?

In this episode, we sit down with Megan Pelletier, EVP & Chief Operations and People Officer at HomeTrust Bank, and Crystal Hasan, SVP, Human Resourc...

In this episode of Banking Out Loud, PCBB’s Matt Helsing leads a discussion with three community bankers on how they’re modernizing their processes for clearing Canadian checks.

Listen in as our guests share how partnering with PCBB and Fiserv has strengthened their operations. By using PCBB’s Canadian Check Image solution offered on the Fiserv Clearing Network, these institutions have reduced costs associated wit...

In this episode of Banking Out Loud, our host, Nancy Ozawa, sits down with PCBB’s President, Mike Dohren, to predict what 2026 has in store for community financial institutions. They delve into how profitability, innovation, and technology will shape the year as banks work to adapt to changing customer expectations and new opportunities on the horizon. The conversation also touches on how AI, digital payments, open banking, ...

This special episode brings together a powerhouse panel of industry experts to tackle the existential challenges facing community financial institutions (CFIs) today. In a banking environment shaped by market pressures, rapid technology disruption, evolving regulations, and shifting customer expectations, survival is far from guaranteed.

Moderator Curt Hecker, CEO & Executive Chairman of PCBB, leads a dynamic conversation with ...

In this episode of Banking Out Loud, host Sonia Portwood and Curt Hecker, industry veteran and CEO of PCBB, unravel the essentials of strategic planning for community financial institutions (CFIs). Discover how senior leaders and boards can leverage digital transformation, AI, and compliance best practices to drive growth, enhance customer experience, and stay competitive amidst rapid industry change. The conversation highlights ac...

As the cannabis industry grows, community financial institutions face a pivotal decision — should they step into the Marijuana-Related Banking (MRB) space? In this episode, we explore the evolving landscape of MRB, breaking down the risks, rewards, and regulatory complexities of taking on cannabis-related business customers.

Join us as we dive into the conversations CFIs are having with regulators about MRB, the potential imp...

Banking Out Loud host Nancy Ozawa discusses relationship banking, its benefits, and strategies for success with guest Justin Armstrong, Co-CEO of UBank, and PCBB’s Northeast Regional Manager, Mike Foreman. The group delves into how prioritizing customer relationships over transactions radically transformed UBank’s approach to banking.

Join us as we break down UBank’s vision to level up community banking into acti...

In this episode, Kathy Lonowski, former regulator with the FDIC, explores the keys to success for community financial institutions. Lonowski shares insights on the importance of proactive risk management, strong communication, and effective data use in decision-making. She explains why involving regulators early in risk discussions is crucial and highlights the significance of corporate governance and stakeholder trust in ensuring ...

In this insightful episode, we dive into the unique challenges and opportunities of mid-level managers. Scott Mautz, accomplished author, keynote speaker, and trainer leverages his decades of management experience at Proctor & Gamble (P&G), along with data and actionable tips and strategies, to help middle managers thrive in hierarchy, differentiate themselves, and influence “up, down, and across the organization.&rdq...

AI is expected to be as big a disruptor as the internet was. In this episode, we're joined by Kendra Ramirez, CEO of KR Digital Agency and an expert in AI. Together, we explore the far-reaching impacts of AI across industries, focusing on the banking sector and generative AI. Kendra unpacks the nuances of generative AI, shedding light on its benefits and challenges. She shares actionable tips for navigating the AI landscape, from ...

In this episode of Banking Out Loud, Fiserv payments experts Paul Sullivan and Justin Jackson join PCBB’s payments expert Sheila Noll to discuss the rapidly evolving faster payments landscape. Their conversation touches on the importance of strategic thinking and collaboration with partners, while also driving home the need to view faster payments as an opportunity to better serve customers and differentiate your institution....

In this episode of Banking Out Loud, host Nancy Ozawa discusses the value of performance reviews and how to effectively prepare for them with Laurie Battaglia, CEO of Aligned at Work. Laurie emphasizes the need for employees and managers to discuss the format and frequency of reviews that will be most helpful. She also provides tips for employees on how to prepare for performance discussions, the role of managers in creating a posi...

In this episode of Banking Out Loud, US Secret Service agent Stephen Dougherty joins hosts Sonia Portwood and Nancy Ozawa to discuss cybercrime and the Secret Service’s mission to protect and secure the US financial and economic infrastructure. Stephen shares examples of types of cybercrime, including business email compromise schemes, romance scams, work-from-home scams and deep fakes, and explains how technology tools, incl...

In this podcast episode, host Sonia Portwood discusses the importance of communication skills and ways to improve them with guest Alyson Van Hooser, a keynote speaker and trainer focused on multi-generational leadership. Alyson shares tips emphasizing the need for intentional communication and understanding the stories of others to connect with them effectively. Also, hear the three-step listening technique that can not only improv...

In this episode of Banking Out Loud, we discuss the importance of putting strategy before structure when launching new products, services, and strategic initiatives. Guest Ryan Canin, CEO and Co-Founder of DocFox, shares insights on the importance of defining clear objectives and strategies before adopting new technologies or selecting vendors. Hear practical approaches to optimize your innovation journey and understand how to avoi...

Excellent customer service can be a crucial differentiator for businesses. Done well, it can help your institution attract and retain customers and drive bottom-line results. Join us as Dennis Snow walks us through proven principals for delivering outstanding customer experiences. As an ex-Disney leader and now full-time speaker, trainer and consultant on all things customer service excellence, Dennis discusses the strategic tools...