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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How a Georgia community bank engaged employees at 3X the national rate
04/18/2024
How a Georgia community bank engaged employees at 3X the national rate
According to , just 30 percent of American workers are engaged in their work. The rest are described as disengaged, with 17 percent actively disengaged, “which means they are literally trying to sabotage the organization,” notes Neil Stevens, president and CEO of Oconee State Bank in Oconee, Georgia. “Gallup also says that if you have a 70 percent or higher engagement score, you’re 23 percent more profitable than those with lower engagement scores. So engaged teams truly, in my mind, lead to healthier cultures, better customer retention.” On the latest episode of the ABA Banking Journal Podcast — presented by — Stevens discusses his approach to cultivating a bank where engagement scores have climbed to 89 percent, triple the national average. Stevens works to build this culture through a framework called that emphasizes loving, equipping, affirming and developing (“LEAD”ing) team members. Among other topics on the show, Stevens discusses the role of love in bank management, the importance of active listening and how an environment of healthy affirmation actually allows leaders to hold their teams to higher standards. Hear Stevens discuss bank culture and employee engagement at the , Oct. 27-29 in New York City.
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Tackling big goals for Financial Literacy Month
04/12/2024
Tackling big goals for Financial Literacy Month
For Financial Literacy Month in April, the ABA Banking Journal Podcast — presented by — features a conversation on how banks are engaging their communities with financial education. The ABA Foundation’s Kelsey Havemann discusses a brand-new K-2 curriculum launching soon, and Lindsay Torrico talks about the Foundation’s to help five million people get on the path to financial prosperity. from the ABA Foundation.
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The CEO view from Main Street
04/05/2024
The CEO view from Main Street
What’s the CEO-eye view on the U.S. economy, business conditions and the regulatory environment for banks? This week’s episode of the ABA Banking Journal Podcast — presented by — features a conversation with ABA’s Peter Cook and four bank CEOs from across the country. In the conversation, they discuss local economic conditions in their markets, how the “regulatory tsunami” is affecting banks of all sizes, the commercial real estate outlook, what they’re most excited for in the future of banking and more.
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The Points Guy on why credit card rewards matter
03/26/2024
The Points Guy on why credit card rewards matter
“These rewards are more than just Amex, Chase, Citi,” says Brian Kelly, founder of the popular travel site . “Well over half of Americans have some form of rewards, often through their community banks — and to a lot of people, cash back rewards.” This bonus episode of the ABA Banking Journal Podcast — presented by — features a conversation with Kelly and ABA President and CEO Rob Nichols from ABA’s Washington Summit. In this episode, Kelly discusses his personal story of getting involved with reward travel, his opposition to efforts to cap interchange or impose routing mandates on credit cards and the value that all kinds of consumers get out of card rewards. Read more about .
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Understanding the emerging bank M&A policy landscape
03/22/2024
Understanding the emerging bank M&A policy landscape
The banking agencies and the Justice Department are shifting how they assess and review bank mergers and acquisitions. On the latest episode of the ABA Banking Journal Podcast — presented by — ABA SVP Hu Benton discusses what bankers need to know about potential deals and offers amid the wave of policy changes. Among other topics, Benton explores: The Justice Department’s of bank merger guidelines The FDIC’s on mergers. How mergers among national banks and federal thrifts. How bank mergers fit into the Biden administration and executive agencies’ broader approach to antitrust considerations. to help banks assess their readiness for a transaction. Access ““ This episode is presented by .
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An NFL-player-turned-banker helping today's student athletes
03/15/2024
An NFL-player-turned-banker helping today's student athletes
Forget Tom Brady: Most professional athletes don’t play well into their 40s. “You play football for three to four years,” says Brandon Ghee. “And then the next thing you know you’re 25, 26. You’re looking to pursue a career and you go from making $750,000 a year to $50,000. These guys and girls have a problem with the transition [in]how they’re spending during their careers.” Athletes make a lot of big financial decisions at fairly young ages. On the latest episode of the ABA Banking Journal Podcast — presented by — Ghee, a community banker and former NFL cornerback, discusses how Cogent Bank’s sports and entertainment vertical comes alongside to help with this transition. In addition to traditional financial services, the bank offers specialized education on investing and financial decision-making as well as referrals to key service providers. Ghee also discusses the fast-growing wave of highly compensated athletes amid the rollout of NCAA permission for name, image and likeness marketing deals and why student-athletes and their families need support and engagement from banks. Access .
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‘Building the organization around exceptional talent’
03/08/2024
‘Building the organization around exceptional talent’
First Horizon Bank, a regional bank based in Memphis, Tennessee, offers some eye-catching numbers on the bank’s gender balance: Women make up 62 percent of its executive team, 54 percent of its top 1,200 corporate managers and 33 percent of its board of directors. To mark International Women’s Day and Women’s History Month, the latest episode of the ABA Banking Journal Podcast — presented by — features three top executives from First Horizon discussing how the bank built an inclusive culture. For Beth Ardoin, chief communications officer, it’s less about focusing on women per se and more focusing on “how do we build the organization around exceptional talent, no matter who you are, where you came from?” Hope Dmuchowski, First Horizon’s CFO, adds that for “our top talent, whether they’re female, male or diverse, we’re making sure they have lots of opportunities for lots of people that see how talented they are.” Ardoin, Dmuchowski and Erin Pryor, chief marketing and experience officer, also discuss the role of sponsorship, allyship and in creating a culture that allows women to showcase their excellent work. “Great work always speaks for itself,” says Pryor. “How do you take those who are doing great work and helping to lift them up and to lift the women who are doing great work in the organization and amplify them?” Resources: Access from ABA. Register for the , July 17, 2024. Listen to First Horizon’s .
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The commercial real estate state of play
03/02/2024
The commercial real estate state of play
On the latest episode of the ABA Banking Journal Podcast — presented by — ABA’s Dan Brown and Sharon Whitaker discuss community bank exposures to commercial real estate and how community banks are managing shifts in the CRE sector. They also dispel imprecise narratives about the state of CRE. “There is a lot of ,” says Brown. There are going to be some challenges for sure. But at the same time, too, though, there’s going to be a lot of resilience. A lot of these loans are very conservatively underwritten. I think a lot of banks would be in a very good position no matter what may come in the future.” This episode is presented by .
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How the ‘apolitical’ Fed moves during presidential elections
02/23/2024
How the ‘apolitical’ Fed moves during presidential elections
If the past has any predictive power, rate-watchers may want to discount the chance of significant rate movements this election year. On the latest episode of the ABA Banking Journal Podcast, ABA VP Jeff Huther summarizes his analysis of Federal Open Market Committee actions during presidential elections, showing that in rare circumstances — well-telegraphed technical movements from a low base or during crisis moments like 2008 — the FOMC has generally refrained from taking action that could be perceived as political. Huther discusses what this means for the 2024 interest rate outlook.
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How flexible is your core? A new tool to help assess
02/16/2024
How flexible is your core? A new tool to help assess
“We’re really focused on increasing competition and innovation in the core provider landscape,” says ABA 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 catches up with Koontz at the to discuss the committee’s on core resilience and competition, as well as the committee’s plans for 2024. The show also features past chair D.J. Seeterlin of Chesapeake Bank on the committee’s newly released , a tool to help banks identify what the need to power their strategies.
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Reducing the friction in banking
02/09/2024
Reducing the friction in banking
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 smooth the path for talented women in the community bank C-suite. Tangen also discusses her own career experience working at banks of all sizes and how BankFive is embracing its mutual identity and investing in growth. Connect with peers on these issues at the , March 17 in Washington, D.C.
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Getting the GSEs’ transition to new credit scores right
01/31/2024
Getting the GSEs’ transition to new credit scores right
The multiyear effort to 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 system to merging just two credit reports. How FICO 10T and VantageScore 4.0 differ from credit scores in use today. Why rushing the transition might be counterproductive to the initiative’s . The role of core platforms and other technology vendors in supporting the transition. What may happen in the Federal Housing Finance Agency makes the change but the Federal Housing Administration, Veterans Administration and others don’t. Why on how the new credit scoring models would perform, and how banks can get involved in . **** Learn more about the credit score transition at the , April 15-17 in Savannah, Georgia. Contact to join ABA’s working group on the issue.
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MDI status helps a mutual bank supercharge its strategy
01/22/2024
MDI status helps a mutual bank supercharge its strategy
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 topics, Suggs discusses: Why and how Warsaw Federal sought and obtained MDI status, and how it helps the bank meet the needs of the Price Hill community of Cincinnati. The role of the bank in serving in Price Hill. Warsaw Federal’s use of tier 1 mutual capital certificates. How Warsaw Federal is supported through its affiliation with . Her own journey as a banker and community and economic development executive. Join mutual bank peers at the March 17-18 in Washington, D.C.
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How Esquire Bank reaches an audience that thinks it doesn’t need to be convinced
01/12/2024
How Esquire Bank reaches an audience that thinks it doesn’t need to be convinced
Last week, the ABA Banking Journal Podcast featured , 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, data and top-shelf technology. Mai discusses Esquire Bank’s content marketing site, , which has a unique value proposition of educating attorneys on the business side of running a law firm successfully. He explores how LawyerIQ’s AI-driven tailored content helps the bank generate leads in a niche market. He also talks about the bank’s use of Salesforce platforms and other technology services to compete for business.
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How Esquire Bank carved out a profitable niche serving law firms
01/05/2024
How Esquire Bank carved out a profitable niche serving law firms
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 serving the litigation sector, including the complex financing its clients require, and how the bank developed its strategy to meet these firms’ needs. Sagliocca also discusses the bank’s merchant services solutions and how they fit into the bank’s strategy.
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What the OCC’s latest report may reveal about 2024 priorities
12/17/2023
What the OCC’s latest report may reveal about 2024 priorities
On the final ABA Banking Journal Podcast episode of 2023 — sponsored by — John Vivian of Patomak Global Partners and ABA EVP Hugh Carney discuss the OCC’s latest , . 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 on artificial intelligence, among other topics — and what they portend for bank supervision in 2024.
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The bank policy outlook for 2024
12/08/2023
The bank policy outlook for 2024
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 where ABA is looking to press gains on its positive agenda, including the SAFER Banking Act, the ACRE Act and financial inclusion. And as president and CEO of Community Bankers’ Bank in Virginia, Shook discusses the role of bankers’ banks in today’s landscape, including helping the industry transition to new payment platforms like FedNow.
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How wealth managers can help families navigate difficult transitions
12/01/2023
How wealth managers can help families navigate difficult transitions
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 — Todd Brockwell, president of 1900 Wealth, offers strategies for bankers and wealth managers to help their clients navigate these transitions. A veteran of family offices in central Texas, Brockwell discusses how bankers and wealth managers can effectively approach generational dynamics and difficult conversations. He also emphasizes the importance of education, especially for young people in these families. Brockwell offers practical examples of how wealth managers can add value in family transitions. He also discusses the business model of 1900 Wealth and how it interacts with its “old school” parent, Jefferson Bank, a community bank in San Antonio. , Feb. 21-23 in New Orleans.
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Do joint bank accounts improve couples’ relationships?
11/17/2023
Do joint bank accounts improve couples’ relationships?
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 — Indiana University marketing professor Jenny Olson discusses 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 accounts, using a joint account only or to a third group that received no instructions about the kind of accounts to use. Couples in the no-instruction group and the separate account group saw declines in relationship quality during the experiment, couples with joint accounts were “buffered” against the declines otherwise expected, she says. “Because we randomly assigned couples, we can take better steps toward understanding causality,” Olson says. “Our results really do suggest that having a joint bank account improves relationship quality.” While every couple’s financial needs are unique and separate accounts may be what’s needed in many situations, Olson discusses implications of the research for how bankers and wealth managers approach financial planning conversations with clients. by Olson et al. in the Journal of Consumer Research.
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Bespoke banking for family-owned businesses
11/10/2023
Bespoke banking for family-owned businesses
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 the ABA Banking Journal Podcast — sponsored by — Williamson discusses how $6.7 billion-asset First Bank — itself a family-owned enterprise — supports this sector through its and wealth planning options. He also discusses the bank’s investment in core transformation and open digital banking architecture and his background in Texas banking before joining First Bank earlier this year.
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Building trust by bringing the bank into the workplace
11/03/2023
Building trust by bringing the bank into the workplace
“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 — Huffman provides an overview of Atlantic Union’s Solutions Banking product, which brings consumer accounts into more than 2,300 small and midsize business clients of the bank. She discusses how it fits into Atlantic Union’s organic growth strategy, how the program developed and how it furthers the bank’s financial inclusion and financial financial wellness goals. Huffman also discusses her career journey at Atlantic Union Bank, describes her role in the bank’s Women’s Inclusion Network and shares her tips for leadership and career development as one of .
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Digging into the CFPB’s Section 1033 data-sharing proposal
10/30/2023
Digging into the CFPB’s Section 1033 data-sharing proposal
“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 — Miller provides an overview of the . In this episode, Fink also talks about: How the bureau’s proposed framework recognizes like FDX to facilitate safe data-sharing. The end of screen-scraping as envisioned in the proposal. Challenges in the proposal on liability issues and privacy. The need for a level playing field in terms of how Section 1033 supervision is applied across banks, nonbank fintech providers and aggregators. The compliance timelines envisioned for banks of different sizes and the types of accounts covered. How core providers will be positioned to help banks comply. To join ABA’s comment letter working group, contact .
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How fiscal stimulus counters rate hikes and props up capital investment
10/20/2023
How fiscal stimulus counters rate hikes and props up capital investment
“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 on the business outlook, sponsored by — Fink discusses how the fiscal stimulus of the CHIPS and Science Act and the Inflation Reduction Act, as well as state economic development packages for incentivized facilities in the high-tech, semiconductor and green tech sectors, are offsetting the increase in rates. In this episode, Fink also talks about: Where businesses are looking for growth in an era of rates being “higher for longer.” The durability and strength of warehousing and manufacturing facilities in commercial real estate. Continued opportunities for add-on acquisitions amid a constrained M&A market.
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Why middle market businesses remain optimistic
10/13/2023
Why middle market businesses remain optimistic
“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 — continues a series of conversations on the business outlook, following on the perspectives of CFOs at large corporates and the upper end of the middle market. In this episode, Cabrera discusses: What Umpqua Bank’s latest survey says about optimism and growth plans among small businesses and the middle market, which represents 45 million jobs and one-third of U.S. GDP. How banks can work effectively with small and middle market clients, including advising on cybersecurity. Why small and middle market businesses in the western U.S. are more optimistic than their counterparts in other regions. The growing trend of onshoring and nearshoring in middle market supply chains — and what that means for their commercial real estate needs. The of industrial and warehouse real estate.
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Why corporate clients are pushing for more instant payment capabilities
10/06/2023
Why corporate clients are pushing for more instant payment capabilities
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 — Philipson discusses findings from U.S. Bank’s , among them: Large and middle-market corporate CFOs’ accelerated transition from growth mode to cost-cutting and what the slowdown in capital expenditures and business investment may mean for the economy. How banks can support corporate goals for improvements in technological capabilities. The demand of large and middle-market corporate clients for instant payment solutions like FedNow and RTP. This episode is sponsored by .
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#BanksNeverAskThat goes bilingual for 2023
09/29/2023
#BanksNeverAskThat goes bilingual for 2023
The latest incarnation of ABA’s award-winning anti-phishing campaign returns for National Cybersecurity Awareness Month in October. On the latest episode of the ABA Banking Journal Podcast — presented by — ABA’s Amy Wertlieb talks about new resources this year, including a return of the popular scam quiz and an all-new . Banks can register for free and use campaign materials all month or at any point during the year. .
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Credit card rewards are for all people
09/22/2023
Credit card rewards are for all people
With the availability of credit card rewards at stake under the , bill sponsor Sen. Roger Marshall dismisses consumer concerns about their rewards. “Rewards are for rich people,” Marshall said derisively at a Capitol Hill 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 home state of Kansas, in D.C. for their annual Washington Visit. On the latest episode of the ABA Banking Journal Podcast — presented by — three leaders from that delegation reflect on the press conference and what they heard. The podcast guests also discuss the , as its sponsors seek to attach it to other legislative vehicles, and they debunk false talking points to show that consumers and small businesses of all income levels . They also illuminate the stakes of the Durbin-Marshall debate for everyday credit card users. .
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How employee resource groups support banks’ DEI strategies
09/15/2023
How employee resource groups support banks’ DEI strategies
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 — two bank leaders explore how the 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 ABA’s Black Bankers ERG for African-American bankers and allies, provide tips on: Creating spaces that help all people feel included, learn, grow and be more authentic. How ERGs can be used at banks of all sizes. Tools and resources offered by ABA’s Black Bankers ERG, including education, DEI best practices, public speaking and . The importance of in making ERGs successful. .
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Accelerating bank innovation in the months ahead
09/08/2023
Accelerating bank innovation in the months ahead
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 — ABA SVP Brooke Ybarra provides an overview of hot issues in the fintech space, including generative AI solutions like . 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. Ybarra also talks about ABA’s new partnership with the Nashville-based and how that partnership, along with ABA’s longstanding venture investment strategy, help banks access the most promising early-stage technologies. She also previews the pre-conference at ABA’s Annual Convention. Register for .
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New tools for arresting rising tide of check fraud
08/03/2023
New tools for arresting rising tide of check fraud
Check fraud continues to be a for banks of all sizes — and it’s not going away anytime soon. On the latest episode of the ABA Banking Journal Podcast — presented by — ABA’s Paul Benda and James Hitchcock discuss how banks can enhance their defenses against check fraud, including new technologies and integration of investigative intelligence as check fraud and cyber fraud intersect in dangerous ways. Benda and Hitchcock also outline key dynamics of today’s check fraud trends that bankers need to know. Finally, they discuss ABA’s new and free , which provides all banks — ABA members and non-members alike — with access to contacts and formatting requirements for check fraud warranty breach claims. If you can’t see the audio player above, to listen to this week’s episode. .
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