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ABA Banking Journal Podcast

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The latest banking industry and regulatory news, brought to you weekly by the American Bankers Association's award-winning Newsbytes team. Hosted by Evan Sparks and Shaun Kern and featuring guest interviews.

The latest banking industry and regulatory news, brought to you weekly by the American Bankers Association's award-winning Newsbytes team. Hosted by Evan Sparks and Shaun Kern and featuring guest interviews.
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The latest banking industry and regulatory news, brought to you weekly by the American Bankers Association's award-winning Newsbytes team. Hosted by Evan Sparks and Shaun Kern and featuring guest interviews.




How One Bank Built a Young and Diverse Executive Team

Meet a third-generation family-owned community bank that has brought young, ethnic minority bankers onto its executive team. “Of our executive committee of five, three are Hispanic females. . . . Two of those under the age of 40,” says Lonnie Talbert, COO of $385 million Southwest Capital Bank in Albuquerque, N.M., on the latest episode of the ABA Banking Journal Podcast. “We’re really focused in a couple of different areas: how can we get more younger people in the game, and also diversity...


Where Banks Are on CECL, and Where They Need to Be

With the Current Expected Credit Loss standard for loan loss accounting coming into effect for many banks — and the vast majority of bank assets — on Jan. 1, 2020, where are bank CFOs and managers in the process of implementing CECL, and what challenges are they seeing? ABA accounting experts Michael Gullette and Joshua Stein provide a CECL update on the latest issue of the ABA Banking Journal Podcast. In this episode, Gullette and Stein explain:


Bonus Episode: Spreading the Word on Phishing

With consumer losses from phishing scams in 2017 up 375 percent from two years prior, according to FBI data, the ABA Banking Journal Podcast marks National Consumer Protection Week with a bonus episode on phishing. Not only does phishing directly harm consumers, it can often be a vector for costlier frauds like ransomware and business email compromise. Colleen Tressler of the Federal Trade Commission and Corey Carlisle of the ABA Foundation join the podcast to explore resources to help...


Bank City USA, Part 2

Last week on the ABA Banking Journal Podcast — in part one of a two-part series — co-host Evan Sparks took listeners on a trip to Tupelo, Miss., the smallest city in the country to have two banks with more than $10 billion in assets headquartered locally. The Tupelo economy is thriving today, with strong employment numbers, a diversified economy, robust GDP growth, quality schools, a best-in-class hospital and a vibrant downtown. Tupelo’s economic performance compares very favorably with...


Bank City USA, Part 1

Here’s a financial trivia question: What does Tupelo, Miss., have that much larger metropolitan areas, including Atlanta, Phoenix and San Diego, don’t? The answer: Tupelo is the smallest city in America to have at least two banks with more than $10 billion in assets call it home: BancorpSouth Bank and Renasant Bank. In an age of bank consolidation, what difference does it make to have two major hometown banks in a town Tupelo’s size? In part one of a special two-part series on the ABA...


Challenges and Solutions for Ag Lenders with Heather Malcolm

Heather Malcolm is a central Montana agricultural lender, but when she’s not at the bank, she works on her family’s cattle ranch, which allows her to stay closely in touch with the challenges faced by her loan customers. On the latest episode of the ABA Banking Journal Podcast, Malcolm talks current pressures, such as commodity pricing, facing ag lenders and producers, and she outlines her recommendations for banks seeking to recruit the next generation of ag lenders. Malcolm is joined by...


Marriage and Fertility Trends and the Future of Banking

For Valentine’s Day, the ABA Banking Journal Podcast digs into trends on U.S. marriage and fertility rates and how they might affect financial institutions. Lyman Stone — an economist who researches demographics and migration at the Institute for Family Studies, American Enterprise Institute and Demographic Intelligence — discusses: To access a six-minute bonus clip with Lyman Stone on the effects of regional migration on community banks, click here.


Celebrating Abraham Lincoln's Banking Legacy

In honor of Abraham Lincoln’s 210th birthday on Feb. 12, join ABA Banking Journal Podcast co-host Evan Sparks for a bonus episode on Lincoln’s legacy on U.S. banking policy and regulation. In this episode, listeners will learn about:


Rethinking the Core for an Elegant Banking Experience

As community bankers face increasing pressures to deliver a truly awesome digital customer experience, many report feeling constrained in choice, speed and agility by core processors. On the latest episode of the ABA Banking Journal Podcast, guests discuss how the next generation of core banking technology is evolving. “If we can get the core right, we’ve got a core platform that is open and accessible through APIs,” says David Hunkele, head of banking as a service at Live Oak Bank. “If you...


How U.S. Bank Tackled Human Trafficking around the Super Bowl

Along with major sporting events like the Super Bowl comes a tragic increase in victims of sexual trafficking in that city. On the latest episode of the ABA Banking Journal Podcast, two top compliance executives at U.S. Bank describe how they partnered with law enforcement and leveraged transaction data to help identify human traffickers during the 2018 Super Bowl, held near U.S. Bank's headquarters in Minneapolis. On the podcast, Phillip DeLuca and Jim Dinkins discuss how they built their...


Investing in Bank Leaders' Development

Bankers today require a broader understanding of technology issues, especially cybersecurity, while also needing deep grounding in core leadership principles, says former bank executive and current business school teacher Greg Smith on the latest episode of the ABA Banking Journal Podcast. “We need to make sure our team members, our employees, have the tools to do the right thing,” he says, adding that many cyber threats do not remain only at the enterprise level. “So much of our...


Bonus Episode: Linking Up for Financial Education

On this bonus episode of the ABA Banking Journal Podcast, two members of the ABA Foundation team -- Sam Kunjukunju and Jeni Pastier -- join to discuss ABA's 2019 financial education programs, which are now open for registration. Kunjukunju and Pastier also discuss FinEdLink, a platform that connects community partners and organizations with bankers who can give financial literacy presentations to audiences ranging from elementary school students to senior citizens.


What Bankers Need to Know about the Libor Transition

With the London Interbank Offered Rate — which underpins more than $350 trillion in mortgages, commercial loans, bonds and derivatives worldwide, including $200 trillion in U.S. dollar-denominated financial instruments — not guaranteed to be sustained after 2021, what should banks be doing now to prepare for a transition away from the widely used benchmark? On the latest episode of the ABA Banking Journal Podcast, Federal Reserve official David Bowman and ABA staff expert Hu Benton...


Two Competing Economic Narratives for 2019

The U.S. economic outlook, while positive, is a tale of two stories, says Comerica Bank Chief Economist Robert Dye on the latest episode of the ABA Banking Journal Podcast. One story is strong current conditions, including job growth, labor force participation and wage growth. “It’s been absolutely remarkable, the ability of this economy to create and fill jobs.” The strength of the consumer is a key positive to the economy, Dye says. However, according to the consensus forecast of the...


Community Bankers' Regulatory Optimism for 2019

Charlie Schmalz is optimistic about the policy environment for community banks. As chairman of ABA’s Community Bankers Council and president and CEO of East Wisconsin Savings Bank in Kaukauna, Wis., he outlines provisions in S. 2155 that will help his bank — including Qualified Mortgage designation for portfolio loans and the community bank leverage ratio — and describes it as “the beginning of common-sense banking legislation that needs to be passed.” “As primarily a mortgage lender,...


A Cooperative Model for Fintech Innovation

“Innovation doesn’t have to be in technology,” says Julieann Thurlow. “Innovation can be rethinking about a problem and really thinking about what consumers want and where the need is.” On the latest episode of the ABA Banking Journal Podcast, Thurlow — president and CEO of Reading Cooperative Bank in Reading, Mass. — discusses a variety of ways her community bank drives innovation of all varieties. Topics include: Increasing automation in the loan application processAlloy Labscore processor


The Bank M&A Outlook for 2019

Key regulatory changes and business trends will drive bank mergers and acquisitions in 2019, two top bank deal lawyers say on the latest episode of the ABA Banking Journal Podcast. In the episode, Jonathan Hightower and Rob Klingler — Atlanta-based partners at Bryan Cave Leighton Paisner — outline what to expect in the year ahead, including:


How to Make Telework Work in a Bank

With the increasing growth of video-conferencing and cloud computing technology, telework is become ever more feasible — and many companies are welcoming it, whether to retain workers who want more flexibility, reduce physical space costs or be more resilient in times of disaster. At the same time, other companies are recalling telecommuters in a bid to build team cohesion and track productivity better. In this episode, employment law attorney Steve Greene and ABA senior counsel Jonathan...


Strategies That Work for Small Market Economic Development

Small cities, small towns and rural areas are facing a variety of structural headwinds, from demographic declines to globalization to the digital transformation of the economy. But locally owned community banks remain a strong countervailing force to help these communities navigate the transition, economic development expert Aaron Renn says on the latest ABA Banking Journal Podcast. Renn, who is a senior fellow at the Manhattan Institute, also offers ideas for bankers to consider as they...


Giving Thanks for Banks' Community Commitment

The latest episode of the ABA Banking Journal Podcast features interviews with the winners of ABA's 2018 Community Commitment Awards. Recorded before a live audience at ABA's Annual Convention in New York, where the awards were presented, each interview explores the winning program or initiative at each bank and provides insights on how they might be implemented or adapted at other banks. These stories present the perfect inspiration as we prepare to celebrate the Thanksgiving...