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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Accelerating banking for quick-service restaurants
05/08/2025
Accelerating banking for quick-service restaurants
As independently owned and operated small businesses, fast-food restaurant franchisees have unique business needs. They have mobile and often part-time workforces, complex inventory management and the constant challenge of managing both a small business and being the face of a major brand. On the latest episode of the ABA Banking Journal Podcast — sponsored by — Wendell Bontrager talks about how Sonata Bank is working with this unique market segment. For example, “we can come in at fractional costs to provide them things like telehealth, mobile phone insurance, pet insurance, in a way that is free to the employee but is done and sold through the franchisee,” says Bontrager. He outlines Sonata’s business of lending to “quick-service” restaurants, as they’re often called in the trade, paired with employee benefits, treasury management and a software-as-a-service platform for QSRs. Bontrager also talks about the health of the Nashville, Tennessee, market where Sonata’s community bank franchise is headquartered and how the organization has been able to capture talent with hybrid and remote workplace offerings.
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How a Georgia community bank supports government-guaranteed lending nationwide
05/01/2025
How a Georgia community bank supports government-guaranteed lending nationwide
Government-guaranteed lending requires special expertise and back-office functionality that grows increasingly expensive for smaller banks. On the latest episode of the ABA Banking Journal Podcast — sponsored by — Chris Hurn and Jeremy Gilpin of Community Bankshares, a bank holding company in La Grange, Georgia, discuss how they are tackling that challenge. “To start one of these departments is very expensive for a lot of rural banks and credit unions,” says Gilpin, “It’s very prohibitive to enter the market space if you are a rural bank or even in an urban market where you do you know, maybe 5, 10, 20 of these loans a year.” Hurn and Gilpin are part of a team that has built Community Bankshares, parent of Community Bank and Trust of West Georgia, into a network of Small Business Administration and U.S. Department of Agriculture lending subsidiaries that work on a nationwide basis. They developed a model that allows the “the holding company [to] serve as a source of strength for the bank, not just the other way around, which is typical,” says Gilpin. Gilpin and Hurn discuss the company’s role as a white label lender, referral lender, participation partner or servicer for smaller banks that want to connect their clients to guaranteed loans and the strength of the bank model for supporting these businesses and agricultural enterprises.
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Quantum computing’s shakeup in payments, cybersecurity
04/24/2025
Quantum computing’s shakeup in payments, cybersecurity
Quantum computing is an of processing information, and it has the power to solve extremely difficult computational problems much more quickly than binary computers. As the technology continues to advance, the latest episode of the ABA Banking Journal Podcast — sponsored by — explores how payments and banking might be affected by the technology. Among other topics, the episode addresses: Applications for quantum computing in liquidity management and other complex payment and settlement chains. The risks quantum computing poses to current encryption technology and the timeframe over which current encryption might be compromised. The emergence of “quantum-safe cryptography.” The risk of decryption quantum computing poses to data harvested in past breaches. Emerging regulatory expectations for quantum computing-related risk management. This episode is presented by . Resources: Nacha’s report on FS-ISAC podcast on
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Why the Fed paying interest on reserves matters
04/17/2025
Why the Fed paying interest on reserves matters
The payment by the Federal Reserve of interest on bank reserves may sound like an abstruse matter of economic theory, but these payments are critical to bank operations and the Fed’s conduct of monetary policy. In the latest episode — sponsored by — ABA’s Jeff Huther discusses why proposals to end or reduce interest on reserves are misguided. Among other things, Huther discusses: Why ending payments could have a destabilizing effect on the financial sector. Why, under today’s accounting practices, the federal government would see no near-term bottom-line boost from capturing those payments. How reducing or eliminating interest on reserves would disproportionately harm community banks. Read more in Huther’s .
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Travis Hill on the regulatory agenda at the FDIC
04/10/2025
Travis Hill on the regulatory agenda at the FDIC
ABA’s Washington Summit just wrapped up, and this episode — sponsored by — features a main stage conversation with Travis Hill, acting chairman of the FDIC. In this episode, Hill discusses: Revisions to the . Transparency in by regulators. The future of bank capital policy after the Basel III “endgame.” Ethics and operational improvements at the FDIC.
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Play ball! Financial education home runs
04/03/2025
Play ball! Financial education home runs
April is Financial Literacy Month, a time when bankers think creatively about how to engage young people on topics of financial wellness. Citi’s and Roads to Success’s Bashan Fernandez for a discussion of Citi’s approach to making financial knowledge fun and engaging. In this episode — sponsored by — they discuss several innovative approaches, including: Citi’s for New York City middle schoolers, to be held on Teach Children to Save Day on April 22 at Citi Field in partnership with the New York Mets and several youth-serving nonprofits. Citi’s work with IlluminArt to produce , a live play about financial literacy for elementary-age students. How Roads to Success uses budget scenario games and financial escape rooms to integrate fun into financial learning. Free tools from the ABA Foundation, including newly updated lesson plans, to help banks deliver engaging financial education in April and all year long.
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Breaking down the executive order on Treasury checks
03/27/2025
Breaking down the executive order on Treasury checks
In the wake of this week’s directing the Treasury to eliminate the use of paper checks for federal government disbursements (and payments to the U.S. government), ABA’s Steve Kenneally joins the podcast for a conversation on what’s next for the payments system. In this episode — sponsored by — Kenneally discusses: The role of Treasury checks in check fraud schemes. The order’s aggressive timeline, with an implementation date of Sept. 30, 2025. The significant challenges faced by different federal agencies in phasing out paper payments. The potential scope of exceptions to the order. How banks can help the small remaining user base of Treasury checks switch into bank accounts, including -certified accounts. Read our ABA Banking Journal feature on ““
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What’s next for stablecoin policy and tech
03/20/2025
What’s next for stablecoin policy and tech
Legislators and regulators are strongly focused on policy related to payment stablecoins, most recently with the in the Senate Banking Committee. On this episode of the ABA Banking Journal Podcast — presented by — ABA’s Brooke Ybarra and Kirsten Sutton discuss the current policy and technology landscape on stablecoins. Among other topics, they talk about: How stablecoins work and why people are interested in this kind of digital asset. Use cases for payment stablecoins, such as cross-border payments. Challenges that stablecoins may pose for today’s anti-money laundering and Bank Secrecy Act framework. The outlook in Congress for the Stable Act in the House and the Genius Act in the Senate and what these bills would do. Key principles for thinking about stablecoins, including economic effects, disintermediation of financial institutions, regulatory arbitrage and consumer protection. How ABA is engaging on Capitol Hill and with regulatory agencies on stablecoin issues.
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How mail theft fuels the check-fraud boom
03/13/2025
How mail theft fuels the check-fraud boom
The big story of check fraud is not only its vast cost to the country and to individual victims, but simply the remarkable rate at which it is increasing. On this episode of the ABA Banking Journal Podcast — presented by — we bring you a conversation from the ABA Fraudcast with ABA’s Paul Benda and Caitlin Piasecki of the United States Postal Inspection Service the enormous scale and challenge of addressing mail theft, a common venue for criminals to access paper checks. Piasecki describes how the internet serves as a perfect sharing and recruiting platform for criminals aiming to get their hands on as many paper checks as possible. Encrypted platforms are where criminal organizations in New Jersey can easily connect with those operating in Los Angeles, she notes. “We have seen a huge influx in the complex nature these investigations have taken, where previously it was a local group in a local area,” she says.
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The pinnacle of American politics: The life and career of Charles Dawes, part 2
03/06/2025
The pinnacle of American politics: The life and career of Charles Dawes, part 2
A century ago, in March 1925, Charles G. Dawes was sworn in as vice president of the United States. Being elected vice president of the United States — as Dawes was, alongside Calvin Coolidge, in a landslide — is usually a career pinnacle for an American politician, but Dawes’ vice presidency turned out to be more of a footnote in his eventful life. In the second part of this two-part podcast series — presented by — Dawes biographer Annette Dunlap explores Dawes’ service as head of logistics for the American Expeditionary Force in World War I (an organizational feat never before pulled off in American military history), his work in international diplomacy during the 1920s, his vice presidency under Calvin Coolidge and how he engineered a bailout for his troubled bank in the throes of the Great Depression.
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The rise of a celebrated American banker: The life and career of Charles Dawes, part 1
02/27/2025
The rise of a celebrated American banker: The life and career of Charles Dawes, part 1
A century ago, in March 1925, Charles G. Dawes was sworn in as vice president of the United States. Being elected vice president of the United States — as Dawes was, alongside Calvin Coolidge, in a landslide — is usually a career pinnacle for an American politician, but Dawes’ vice presidency turned out to be more of a footnote in his eventful life. In the first part of this two-part podcast series — presented by — Dawes biographer Annette Dunlap walks listeners through Dawes’ early life, his big ideas in banking and his service as comptroller of the currency, and how he built up Chicago as a regional banking center. At this centennial moment, and in this , it’s worth reflecting on the fascinating and complex life of Charley Dawes.
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Bowling 300 on bank policy advocacy
02/20/2025
Bowling 300 on bank policy advocacy
In rural southeastern New Mexico, bank CEO and varsity bowling coach Ken Clayton often takes his team on 500-mile one-day roundtrips for bowling tournaments. For Clayton, that commitment to going the distance is also what community banking is about. On the latest episode of the ABA Banking Journal Podcast — presented by — Clayton discusses what makes community banks like his tick. And as chair of ABA’s Government Relations Council, he also talks about ABA’s legislative and regulatory priorities for the year ahead, including tax reform and Subchapter S, regulatory challenges like the Section 1071 final rule, the SAFER Banking Act, credit card interchange policy and more. For Clayton’s 22-employee bank, policy challenges hit home in a challenging way since he and his CFO also share duties as the bank’s compliance officers. “As a banker, don’t just sit at home and say, ‘Gee, I wish this was different,'” Clayton says. “Get involved. It’s very rewarding, not to mention that it helps your customer and it helps your community.” Clayton also discusses his own career journey in banking, his home community of Artesia and his approach to developing leaders within his bank.
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How having joint accounts improves couples’ relationships
02/13/2025
How having joint accounts improves couples’ relationships
A recent article in the New York Times — “” — explores scholarly evidence for the benefits of couples’ combining their bank accounts. The article features the insights of Indiana University marketing professor Jenny Olson, who appeared in 2023 on the ABA Banking Journal Podcast. For a special Valentine’s Day episode, we bring back that classic podcast episode — sponsored by — in which Olson discusses on joint accounts and couples’ well-being. 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. This episode is presented by .
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The real story on CRE risk management
02/11/2025
The real story on CRE risk management
On the latest episode of the ABA Banking Journal Podcast — presented by — ABA’s Jeff Huther and Sharon Whitaker rebut a false narrative about how banks are managing commercial real estate credit risk. Expanding on a , they explore why measures of distress and undercapitalization used by the New York Fed and some in the media are inconsistent with common definitions and ignore bank-borrower relationships, accounting principles and valuation techniques. “We’re now almost three years past the last shock to the sector, and people have had a lot of time to kind of think through how to deal with this and what the implications are for credit risk,” says Huther. “We’re in a situation where ” extending and pretending” is just not the right way to describe the condition and market.”
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One community bank’s fight against a mass text scam
01/16/2025
One community bank’s fight against a mass text scam
Today's episode features a crossover from ABA's brand new podcast series: ABA Fraudcast: Cyber and Fraud with Paul Benda. Community banks can be targets of large-scale fraud, just like larger banks. On the inaugural episode of the ABA Fraudcast, former ABA Chair Dan Robb, president and CEO of Jonesburg State Bank in Missouri, describes the recent targeting of his bank by fraudsters who texted thousands of residents of his community, seeking access to customer accounts. What followed for Robb and his team were fast lessons on all the areas his bank was prepared for, and a few challenges that were surprising. “We are no longer dealing with a mom-and-pop criminal,” says ABA’s Paul Benda, Fraudcast host. “This is institutional crime.” To find the ABA Fraudcast, visit or look for it in your favorite podcast app.
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How boards can position their banks to navigate change
01/08/2025
How boards can position their banks to navigate change
From AI and crypto to complex regulatory challenges and increasingly diverse markets, bank executives face increasingly complex strategic decisions — and so do bank boards as they set and oversee the strategic direction for their banks. And yet, the average age of bank directors is 76, and many do not have expertise in these critical challenges affecting banks. On the latest episode of the ABA Banking Journal Podcast, veteran bank board members and executives Jenn Docherty and Virginia Varela discuss how bank boards can position their banks for success in a challenging environment. They discuss the importance of sourcing diverse expertise and how board members can start and lead difficult conversations about where their banks need to go, creating space for new ideas and giving management more flexibility — and more incentives — to innovate. Docherty and Varela will discuss these topics and more at the , Feb. 16-18 in Phoenix.
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The behavioral psychology of the Christmas savings club
12/20/2024
The behavioral psychology of the Christmas savings club
In this holiday bonus episode — — host Evan Sparks digs into the Banking Journal archives to learn more about the “Christmas Club” savings vehicle, and what this financial product says about human psychology and behavioral economics. .
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Making the feeling ‘mutual’ for a new generation of bank customers
12/18/2024
Making the feeling ‘mutual’ for a new generation of bank customers
“Well, your money’s in Joe’s house, that’s right next to yours. And in the Kennedy House, and Mrs. Macklin’s house, and, and a hundred others. Why, you’re lending them the money to build, and then, they’re going to pay it back to you as best they can.” Seventy-eight years ago, George Bailey memorably explained the operation of a mutual savings and loan to a national audience in It’s a Wonderful Life. But while today’s bankers understand mutuality, do today’s potential clients? On the latest episode of the ABA Banking Journal Podcast — — bank leaders Gregg Tewksbury and Lori Dufficy discuss a new campaign, , that aims to educate consumers about mutual bank ownership. Among other things, they talk about: Why present, and future, customers need to be educated about the distinctive values of mutuality. How the campaign developed messaging that resonates with consumer. The role of the campaign in helping mutual bank employees understand their unique value proposition and take pride in their work. . If you can’t see the audio player above, to listen to this week’s episode. View the campaign at . about public opinion on mutuality. Register for the , April 6-7 in Washington, D.C.
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Opportunities in the Congressional Review Act, the ‘other CRA’
12/12/2024
Opportunities in the Congressional Review Act, the ‘other CRA’
The rarely used Congressional Review Act provides an opportunity for Congress and the president to overturn regulatory rulemakings — and the GOP trifecta in 2025 will bring new regulations up for review. On the latest episode of the ABA Banking Journal Podcast — — ABA experts Kirsten Sutton and Ginny O’Neill break down details about CRA that bankers need to know: Which rulemakings are subject to CRA disapproval resolutions — in financial services, principally and the . How the GOP Congress might prioritize regulatory actions for CRA resolutions. The limitations on CRA and why, as Sutton says, “this is not a magic wand situation where Congress can just step in and CRA everything that we have a problem with.” .
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What you need to know about beneficial ownership and customer due diligence in 2025
12/04/2024
What you need to know about beneficial ownership and customer due diligence in 2025
Saved by the bell? Millions of American businesses faced a January 1 deadline to register their beneficial owners with the Financial Crimes Enforcement Network — until a federal judge yesterday stopping FinCEN from enforcing the deadline. On the latest episode of the ABA Banking Journal Podcast — — ABA experts Heather Trew and Jonathan Blum discuss: What bankers and their business clients need to know about the preliminary injunction and its provisions. How the preliminary injunction does not affect financial institutions’ customer due diligence requirements — even if businesses are not required to report their beneficial ownership information to FinCEN, banks are still obliged to collect it from clients as part of CDD. Potential ramifications for AML/BSA activities if the Corporate Transparency Act that authorized the BOI registry is found to be unconstitutional. How this and other cases challenging the BOI registry may shake out, as well as the range of views on Capitol Hill on where to go from here. How ABA is engaging with both the current Congress and administration, and will advocate with the next Congress and incoming presidential administration, on these issues. .
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Memory, nostalgia and the power of sonic branding
11/25/2024
Memory, nostalgia and the power of sonic branding
Advertising jingles: corny or clever? “Imagine the repetition over years in a community that hears it regularly,” says Clark Hook of Financial Marketing Solutions. “It’s whether you love or hate jingles, you cannot deny the power of that mnemonic device to put attribution to the things you’re putting into the world.” On the latest episode of the ABA Banking Journal Podcast — — we take a look at bank jingles past and present. Expert bank marketers discuss: How and why community banks still find value in their jingles. The use of “sonic branding” and audio signatures as an alternative to traditional sung jingles — and how that sonic branding builds on historically successful and long-running jingles. The role of music in memory and brand recognition. Where banks overseas are using jingles. The interesting intersections between bank marketing and pop music. Read Craig Colgan’s recent .
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Why middle market businesses are growing more optimistic
11/20/2024
Why middle market businesses are growing more optimistic
Middle market businesses don’t get the attention of the Fortune 500 or the love that small businesses get from policymakers, but these firms are still — accounting for a third of private-sector GDP and employing up to 50 million Americans. On the latest episode of the ABA Banking Journal Podcast — — KeyBank commercial bank president Ken Gavrity discusses the outlook for the middle market, defined as businesses with annual revenues of $10 million to $1 billion. Among other topics, Gavrity discusses: Why middle market business leaders have . How middle market firms’ cost control and resilience-building during the inflationary period position them well as rates begin to come down. The improvement in the talent outlook for middle market firms. How middle market businesses are prepared to capitalize on the efficiencies, including automation and AI, that they instilled in the past few years. How KeyBank integrates its commercial payments business with its middle market services. .
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Tax reform comes into focus for 2025
11/14/2024
Tax reform comes into focus for 2025
The Republican sweep of the presidency and Congress, with extremely narrow control of the House, sets up tax policy as a major issue in 2025. With many provisions of the 2017 Tax Cuts and Jobs Act expiring at the end of next year and tax policy changes able to be passed on a simple-majority basis through budget reconciliation, bankers can expect to see tax policy front and center. On the latest episode of the ABA Banking Journal Podcast — — ABA VP Joey Connor discusses what to expect from the tax policy debate in 2025, including: The priority of extending Section 199(a) provisions for Subchapter S banks. Potential approaches to paying for a multi-trillion-dollar tax package. Issues related to credit union taxation and the base erosion that accompanies CU purchases of community banks. A range of complex technical tax issues, including GILTI, BEAT and Pillar 2 changes.
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Strategies to help America’s agricultural producers
11/07/2024
Strategies to help America’s agricultural producers
With commodity prices falling and producer expenses rising, it’s a difficult moment for America’s agricultural economy. On the latest episode of the ABA Banking Journal Podcast — — Dakota Mac loan production officer Caleb Hopkins discusses strategies ag lenders are using to support their clients through this cycle. As chair of ABA’s Agricultural and Rural Bankers Committee, Hopkins also provides a preview of the upcoming . .
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Rebuilding ‘the great Virginia regional bank’
10/29/2024
Rebuilding ‘the great Virginia regional bank’
John Asbury didn’t need a new job in 2016, but when he saw an opportunity build something lost in the 1990s — what he calls “the great Virginia regional bank” — . Eight years later, Richmond-based Atlantic Union Bank has more than tripled in size and is on track to reach nearly $40 billion in assets after completion of an of Sandy Spring Bank. On the latest episode of the ABA Banking Journal Podcast — — AUB CEO Asbury talks about the transformation of the bank. He also discusses his agenda as , including advocating to remove arbitrary asset thresholds that distort banks’ strategic growth plans, his approach to leadership development at the bank and his commitment to diversity, equity, inclusion and belonging.
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Breaking down crypto investment scams
10/23/2024
Breaking down crypto investment scams
Crypto investment scams cost Americans billions of dollars. The scammers start small with confidence or romance scams and gradually work their way up to demanding ever larger “investments.” On the latest episode of the ABA Banking Journal Podcast — — officials from the FBI’s Criminal Investigative Division and the Commodity Futures Trading Commission break down how these scams work, typologies and red flags bankers should look out for and how banks can build proactive partnerships with law enforcement. They also discuss a on these scams produced jointly by the ABA Foundation and several government agencies.
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Laser-focused on the customer experience
10/17/2024
Laser-focused on the customer experience
How do community banks balance the need for cutting-edge technology and the human touch? On the latest episode of the ABA Banking Journal Podcast — — Pamela Montpelier of Ballston Spa National Bank talks about how a laser-like focus on customer experience can help drive growth. Among other topics, Montpelier discusses the use of AI-based tools to improve decision-making and help bank employees replace manual processes with time spent engaging clients. She also talks about her experience working with a variety of banks as a service provider executive, prior to which she was the youngest female bank CEO in Massachusetts.
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A place for regional banks: How BOK Financial finds and fills local needs
10/09/2024
A place for regional banks: How BOK Financial finds and fills local needs
As president and CEO of $50 billion-plus BOK Financial, Stacy Kymes spends time thinking about the role of regional banks in the U.S. economy. On the latest episode of the ABA Banking Journal Podcast — — Kymes talks about how BOK Financial finds unique niches and meets the credit and capital market needs in its core mid-America markets. Among other topics, Kymes discusses: BOK Financial’s diversified business model that balances lending with fee businesses like an EFT network and treasury and wealth management. The role of Tulsa, Oklahoma-based BOK Financial in financing the energy economy. BOK Financial’s tribal banking programs in Oklahoma and New Mexico, including a unique mortgage loan product for tribal lands. The bank’s plans to grow share in core markets of Tulsa, Oklahoma City, Denver, Phoenix, Dallas and Houston. BOK’s approach to talent management, recruitment and acquisition. The importance of having banks headquartered in “flyover states” that can meet the capital markets needs of large and middle-market firms.
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How a Latin American banking franchise is growing in South Florida
10/03/2024
How a Latin American banking franchise is growing in South Florida
Miami is often described as the northernmost city in Latin America, or sometimes as Latin America’s business capital. On the latest episode of the ABA Banking Journal Podcast — — Banesco USA President and CEO Cali Garcia-Velez discusses how he and his team are growing a Latin American banking franchise in South Florida and Puerto Rico. Among other topics, Garcia-Velez discusses: The origins of Banesco USA, which is an independent U.S.-chartered bank that is part of a franchise of other Banesco banks across the Americas. Banesco USA’s growth plans in the turbocharged South Florida market, including its pivot into C&I lending and residential mortgages to balance its commercial real estate portfolio. How Banesco USA’s loan growth was fueled by a capital award from the Treasury Department’s for minority depository institutions. His own journey as a banker, which included turnaround assignments at troubled banks in Puerto Rico.
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When going through a core conversion pays off
09/25/2024
When going through a core conversion pays off
Most bankers dread the thought of a core conversion, but once that decision is made, the process can open up new opportunities for strategic growth. On the latest episode of the ABA Banking Journal Podcast — — Webster Five CIO Kate Megraw discusses her bank’s conversion and what she learned. Among other topics, Megraw explains: How a new core met the business strategy needs of Massachusetts-based Webster Five. The process of developing an RFP, exploring models and working with a core selection consultant. The role of commercial client growth in driving the need for a new core platform. Challenges and successes experienced in the conversion process. Megraw will join fellow Core Platforms Committee members to discuss conversions at the , Oct. 27-29 in New York City.
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