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ABA Banking Journal Podcast: Daily Summaries Delivered
by American Bankers Association
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.
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- 1 weeks ago23 min
Creating a feeling of welcome . . . for customers and new bankers
On the latest episode of the ABA Banking Journal Podcast — presented by Nexcess — Texas banker Ryan Coaxum joins the show to discuss how he was welcomed into the banking community as an employee, and how he tries to bring that same feeling of welcome to the people he serves in his job as head of community development and external affairs at Moody Bank. <span data-descript-pasteboard= "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
- 3 weeks ago14 min
How consumer deposits drive full relationship banking
In an environment with higher-yielding options, how can banks compete for effectively for deposits? On the latest episode of the ABA Banking Journal Podcast — presented by Nexcess — Marc Womack, who leads the U.S. consumer deposits franchise at TD Bank, discusses his approach to maximizing data, customizing deposit offerings, developing valuable product bundles and using both physical and digital touchpoints to meet consumer needs. <span data-descript-pasteboard= "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
- May 6, 202615 min
How an Ohio banker talks with policymakers about stablecoin issues
As a community bank president and past chair of the Ohio Bankers League, Jenny Saunders has been part of many conversations with top policymakers on bank issues. On the latest episode of the ABA Banking Journal Podcast — presented by Nexcess — Saunders, who recently retired as president of FCBank, discusses how she discussed stablecoin and cryptocurrency issues with members of Congress. "I<span data-descript-pasteboard= "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
- Apr 29, 202623 min
Tech transformation and AI to power bank growth
Over the past two decades, Pennsylvania-based F.N.B. Corporation has grown its assets from roughly $5.4 billion to $50 billion, grown its net operating income by a similar ratio and more than doubled its retail footprint. On the latest episode of the ABA Banking Journal Podcast — presented by Nexcess — Chairman, President and CEO Vincent Delie discusses his approach to growing the franchise and how F.N.B. is investing in its employees' capabilities. Among other topics, Delie discusses: F.N.B.'s balance of organic growth and M&A and the role of culture in this growth. The bank's strategy of hiring data scientists to help the company break down silos and better target customers' needs. F.N.B.'s "e-store" concept and how it supports the bank's "clicks to bricks" retail strategy. The role of AI in recommending tailored products and providing holistic financial wellness advice, as well as strengthening bank credit and anti-fraud functions. This episode is presented by Nexcess:
- Apr 22, 202610 min
ABA's ecosystem strategy to tackle fraud
On the latest episode of the ABA Banking Journal Podcast — a crossover episode with the ABA Fraudcast — ABA's Rob Nichols and Paul Benda provide several updates on ABA's work to reduce the incidence and cost of fraud for bank customers. Among other topics, they highlight: Their recent participation in the United Nations and Interpol Global Fraud Summit. "O<span data-descript-pasteboard= "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
- Apr 9, 202618 min
Capitalizing on opportunities to serve high-net-worth clients
Several factors — the growth of the U.S. economy and asset prices, generational transitions and changing values — are reshaping the wealth management and financial advice sectors. More individuals and families are falling into the high-net-worth (investable assets of over $3 million) and ultra-high-net-worth (assets of over $30 million) than ever before. How are banks positioned to capitalize on this evolving marketplace? On the latest episode of the ABA Banking Journal Podcast, ABA's Mark Benskin — a veteran of the wealth management sector with experience at several banks — discusses: The structural shift in the wealth management business, including the rise of Registered Investment Advisors that serve HNW and UNHW clients. The mix of services — estate planning, tax planning, asset protection and charitable planning — that clients are seeking from their advisors. Evolving revenue models for wealth management and the pursuit of scale. The strategic question for banks of building versus "renting" infrastructure. How banks are positioned to break down institutional silos that hinder full-service client engagement. Learn more about the ABA Wealth and Trust Schools.
- Mar 30, 202612 min
Are credit union commercial loans risky business?
In recent years, credit union business lending and the number of credit unions that exceed the statutory cap on member business lending have shot up sharply. What risks do these trends pose to safety and soundness and financial stability? On the latest episode of the ABA Banking Journal Podcast, ABA's Dan Brown and John Vermillion discuss their recent research on the subject. Not only does outsized credit union commercial activity steers these not-for-profit cooperatives away from their statutory mission, it also increases their exposure to an asset class where they — and their regulator — have traditionally lacked experience and expertise.
- Mar 19, 202621 min
Risk and strategy in sponsor banking
Sponsor banking, or banking as a service, is a unique opportunity for banks — but it requires strategy, discipline and a laser focus on risk. On the latest episode of the ABA Banking Journal Podcast, Amanda Swoverland, president of Hatch Bank, discusses her bank's strategy in BaaS. Among other topics, Swoverland talks about: Hatch Bank's evolution as a sponsor bank focused on embedded lending and card issuance. How boards of directors and bank management teams can evaluate strategy for sponsor banking. The importance and scope of due diligence with fintech partners. A recently announced partnership with a fintech firm that provides private student loans focused on upperclassmen and grad students who are approaching completion of their degrees. Her career journey from enterprise risk management in banking through leading compliance for a fintech startup to president of a bank. The experiences she brought from fintech into her newest banking role. Register for ABA's Risk and Compliance Conference.
About 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.
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