Banking Matters Podcast

Karen Legault, Senior Vice President at Profinium.

Karen Legault, Senior Vice President overseeing Marketing, Education, and Communication at Profinium, and Daniel engage in a multifaceted dialogue encompassing the various aspects of crafting high-quality marketing initiatives, emphasizing the significance of proficient communication strategies, and reflecting upon diverse employee backgrounds that can enrich the banking sector. Their conversation underscores the importance of fostering innovation and collaboration within the industry while harnessing the collective strength of different perspectives for strategic growth and success.

Rich Perez, Vice President of Bank Innovation at the Texas Bankers Association.

Rich Perez, Vice President of Bank Innovation at the Texas Bankers Association, discusses with Daniel the role of Bank Innovation across banking institutions. Their conversation looks into the mechanisms through which TBA members pursue the development of new products and services, collaborating with a myriad of vendors who put innovation at the forefront. Additionally, they explore the intricacies of forging successful partnerships with vendors, outlining the key attributes that define effectiveness while also highlighting the critical factors to be considered when evaluating potential partners.

Frances Pack Training and Development Specialist at Citizens State Bank.

Frances Pack, known as Fran among her acquaintances, serves as the Training and Development Specialist at Citizens State Bank. During her extensive 29+ years of dedicated service to the institution, she has been instrumental in spearheading the bank’s online and mobile banking initiatives, thus amassing profound expertise in this domain. In her current role within the Human Resources and Training department, Fran engages with Daniel to explore the evolving landscape of banking, underscoring the significance of robust training programs and strategies for effectively assisting and guiding new employees who may face challenges during their initial stages of employment

Sandy Knight, Senior Vice President, Director of Compliance and Fair and Responsible Banking at First National Bank.

Sandy Knight, Senior Vice President and Director of Compliance and Fair and Responsible Banking at First National Bank, engages in a discussion with Daniel regarding the implications of pursuing an education centered on the banking sector. Their conversation also delves into the intricate task of managing the influx of bulletins and updates issued by regulatory authorities. Additionally, they explore strategies for compliance officers and banking personnel to effectively adapt to the dynamic shifts occurring within the industry.

Carey Phillipi, Managing Partner at Bridge Financial Consulting Group LLC.

Carey Phillipi, Managing Partner at Bridge Financial Consulting Group LLC, collaborates with Daniel on a comprehensive conversation about the current economic landscape, strategies for evaluating risk within the commercial real estate (CRE) portfolio, and the art of timing strategic shifts. Carey brings a wealth of experience to the table, having spent more than two decades with the Office of the Comptroller of the Currency (OCC) in roles ranging from Examiner to Commercial Credit Examiner in Charge to Assistant Deputy Comptroller.

Robert Funk, Senior Vice President and Chief Operations Officer of Karnes County National Bank

Robert Funk, the Senior Vice President and Chief Operations Officer of Karnes County National Bank, joins forces with Daniel to explore various facets of risk and security. Their conversation navigates fraudulent transactions within a community bank, evaluates the significance of small banks within their communities, and examines the pivotal role assumed by a COO in these institutions

Paul Cummings, Director of Risk Management at Keystone Bank.

In the second segment of this two-part discussion, Paul Cummings and Dan delve further into their conversation about the prevailing market conditions, the responsibilities of a risk manager, and his firsthand encounters as a special agent with the US Treasury and Homeland Security.

Paul Cummings, Director of Risk Management at Keystone Bank.

In the first installment of this two-part special, Paul Cummings, who serves as the Director of Risk Management at Keystone Bank and boasts a prior role as a Special Agent for both the US Treasury and Homeland Security, engages in a conversation with Daniel. They delve into the profound influence of Suspicious Activity Reports (SARs) and the art of constructing powerful narratives. Paul recounts a compelling anecdote illustrating the tangible power of a SAR, recounting how it acted as a vital alert that brought to light the smuggling of substantial quantities of cocaine into the United States.

Julia Gutierrez, Vice President of Education at Compliance Alliance.

In part two of our two part series with Julia Gutierrez, Vice President of Education at Compliance Alliance and Daniel. They continue to discuss well-designed training initiatives, the influence of SCRA/MLA, Compliance Management Systems, and the key elements that make a policy truly effective.

Julia Gutierrez, Vice President of Education at Compliance Alliance

Julia Gutierrez, the Vice President of Education at Compliance Alliance, engages in a conversation with Daniel, focusing on the significance of well-designed training initiatives, the influence of SCRA/MLA, Compliance Management Systems, and the key elements that make a policy truly effective.

Chad Elledge, Chief Risk Officer at Texas Heritage National Bank

This week, Chad Elledge, Chief Risk Officer at Texas Heritage National Bank, and Daniel dig into the elements of cybersecurity and the issues it presents for banks today, digital integration, minimizing costs using technology, and the value of an education focused on banking.

Alicia Wade President & Chief Operating Officer with Valliance Bank, OK

In this weeks episode- Alicia Wade President & Chief Operating Officer with Valliance Bank, OK and our own Kelly Owsley discuss her banks transition into cannabis banking. Learn how she prepared her institution and compliance team for this significant shift, leveraged community and regulatory relationships and how her bank continues to face ongoing complexities in this evolving industry. Discover whether cannabis banking is a viable option for your institution.

Karla Quarve & Ryan Plucker with American Bank & Trust, SD.

In part two of our two part series with Karla Quarve & Ryan Plucker with American Bank & Trust they continue to discuss the importance of having a quality mentor, how to manage projects, and effective ways to communicate regarding expectations.

This weeks episode which is part on of a two part series- Karla Quarve & Ryan Plucker with American Bank & Trust and Dan discuss the importance of having a quality mentor, how to manage projects, and effective ways to communicate regarding expectations.

Tom, a Banking Consultant who has over 32 years’ experience as an OCC examiner, and Daniel discuss the current market, banks’ reactions to the uncertainty, lending limits, and the importance of quality policies and procedures.

Tom, a Banking Consultant who has over 32 years’ experience as an OCC examiner, and Daniel discuss the current market, banks’ reactions to the uncertainty, lending limits, and the importance of quality policies and procedures.

This week – Ginger Laurent, CEO of the Louisiana Bankers Association and Daniel discuss the impact of 1071 in regards to Fair Lending, Fair lending in today’s banking environment, training programs for staff, and Human Resources.

This week- Celeste Embry, General Counsel, Texas Bankers Association and Daniel discuss getting involved in your Banks Association, what steps Associations take to get your voice heard, and the importance of being involved in the legislative process.

This week – Kelly Owsley, Virtual Compliance Officer at Review Alliance, and Daniel delve into the intricacies of the Virtual Compliance Officer Role. Kelly sheds light on the significance of communication, both in virtual and traditional banking settings. She also emphasizes the importance of flexibility, adaptability, and the ability to pivot not only in the ever-changing compliance landscape, but also in her role as a VCO. Additionally, she underlines the importance of having a strong compliance management system.

This week – Art Stevens President of Retail Banking at Trustmark Bank joins us! He shares how a professor lead him to his career in banking. He and Dan discuss innovative ways he’s shrinking his banking footprint by deploying ITM’s and offering more digital banking products in turn creating more modern and efficient branches. He also shares his banks new relationship banker model, which gives his employees more ownership over handling all branch transactions, and the success that has been for both employee and customer.

This week Howard Headlee President and CEO of the Utah Bankers Assocation, shares how his passion for his community and education brought him to banking. He also discusses how important advocacy and participating in initiatives is to helping community banks thrive.

In this episode Ledra Jones, Vice President, Compliance Officer and BSA/AML Officer at Texas Heritage Bank shares her journey from branch manager to BSA Officer and how important education and peer support was and is to her everyday success. She also discusses the resources and tools she utilizes to manage her daily compliance processes and educate her team.

In this episode Heather Smith, Senior Vice President and Director of Consumer Compliance, at Forbright Bank shares how she’s creating a best in class compliance management system and fostering a risk culture at her bank. She also shares tips on creating a CRA strategic plan.

In this episode, Rann Paynter, President and CEO of the Michigan Bankers Association shares his journey to banking and his tips on serving minority and low-income communities. He also shares his thoughts on diversification of banking staff and digitalization in the bank.

In this special episode of Banking Matters our very own Victoria E. Stephen, JD, CRCM, Senior Vice President and Deputy General Counsel and Daniel Baker, discuss all things 1071. Join them as they deep dive into what 1071 is, the impact on community banks and resources available.

This week President of Bankers Alliance, Scott Daugherty, and Daniel discuses internal policies and procedures around audit and compliance and how they play a significant role in mitigating the risk of bank failures. Learn about the importance of third-party exams, tips on choosing an auditor, and how to manage that relationship effectively. They also discuss the benefits of remote audits and how the Virtual Compliance Officer program can can be tailored to meet the unique compliance needs of your bank.

Chris Furlow, President and CEO of the Texas Bankers Association, and Daniel Baker, delve into key topics such as recent bank failures, the state of the market, and the role the FDIC plays. Discover the importance of community outreach and education programs for bank employees, and how state banking associations can provide valuable resources to strengthen relationships with the local community.

In this episode, Amanda Hinsley, CFO of First Texas National Bank, shares her journey from insurance to banking, and how her bank was able to turn around their compliance program after receiving a “needs improvement” rating on their NACHA audit. They discuss the importance of documentation, external perspectives, and continuous improvement in maintaining a high level of compliance.

President and CEO of the Virginia Bankers Assocation, Bruce Whitehurst and Daniel Baker discuss diversity, equity and inclusion in the banking industry, and innovative ways to attract and retain young talent.

In this week’s episode of Banking Matters we’re joined by Nebraska Bankers Association, President and CEO, Richard Baier. Richard and Dan discuss the importance of affordable housing and financial literacy and the role community banks can play.

As President and CEO, Lorrie Trogden joins us for our flagship episode of Banking Matters. Bringing her insights into Representment Fees and 1071, Lorrie discusses how banks will continue to be impacted by these changes.