Banking Out Loud

Key Takeaways

• Risk management is not limited to one executive or department. Clear ownership, timely escalation, and informed decisions across the organization can help a community financial institution respond to change sooner.
• Don’t wait until a product is built, an agreement is signed, or a campaign launches to involve risk, compliance, operations, and other experts. Early collaboration can help avoid rework, inconsistent processes, and customer issues.
• Compliance professionals can help teams identify what is possible, what needs adjustment, and what may introduce unacceptable risk. Their role is not simply to say no — it is to help the community financial institution meet its objectives responsibly.

In this episode of Banking Out Loud, hosts Nancy Ozawa and Virginia Robbins discuss why risk and compliance are shared responsibilities across a community financial institution. Joined by Patti Joyner, Founder and President of Financial Solutions, and PCBB Chief Risk Officer Radhika Lipton, they explore how compliance provides guardrails while risk management takes a broader, forward-looking view.

The conversation examines how community financial institutions can navigate change, from launching new products to evaluating stablecoins and AI. Patti and Radhika emphasize engaging the right stakeholders early, building strong processes before launch, and viewing risk and compliance as strategic partners that help institutions serve customers, manage change, and move forward responsibly.

Guests:

Patti Joyner
President
Financial Solutions

Radhika Lipton
SVP, Chief Risk Officer
PCBB

Hosts:

Nancy Ozawa
Chief Marketing Officer
PCBB

Virginia Robbins 
EVP, Chief Solutions Officer
PCBB