Banking Out Loud https://bankingoutloud.com This podcast brings together industry experts and banking professionals to discuss the latest trends, technology and strategies relevant to the banking sector. Tune in to stay ahead in today's rapidly evolving industry

Discover other PCBB insights:

Industry Insights: https://www.pcbb.com/industry-insights

Daily Newsletter: https://www.pcbb.com/bid

]]> Wed, 25 Feb 2026 00:01:00 -0800 https://podbean.com/?v=5.5 en Copyright 2021 All rights reserved. Business:Investing 1440 episodic A podcast for community financial institution bankers looking for informational, unbiased, and candid conversations and discussions on an array of banking topics. PCBB PCBB No false https://pbcdn1.podbean.com/imglogo/image-logo/10457659/BOL-Logo-Sqr-PCBB_FINAL-3000x3000_vvxdac.jpg Banking Out Loud https://bankingoutloud.com 144 144 Modernizing Canadian Check Clearing: Community Bank Insights Modernizing Canadian Check Clearing: Community Bank Insights https://bankingoutloud.com/e/modernizing-canadian-check-clearing-community-bank-insights/ https://bankingoutloud.com/e/modernizing-canadian-check-clearing-community-bank-insights/#comments Wed, 25 Feb 2026 00:01:00 -0800 pcbb.podbean.com/b96754a7-a176-3b02-834c-67f45abdc7ae In this episode of Banking Out Loud, PCBB’s Matt Helsing leads a discussion with three community bankers on how they’re modernizing their processes for clearing Canadian checks.

Listen in as our guests share how partnering with PCBB and Fiserv has strengthened their operations. By using PCBB’s Canadian Check Image solution offered on the Fiserv Clearing Network, these institutions have reduced costs associated with overnight check shipments and exchange rate adjustments.

MODERATOR:  Matt Helsing  SVP & Regional Manager, West Region  PCBB 

PANELISTS:  Lana Hollier  SVP & Director of Deposit Operations  Sanibel Captiva Community Bank 

Cory Flinn VP, Payment Operations  Bridgewater Bank 

Joanna Champagne  VP, Operations Officer Franklin Savings Bank 

]]> In this episode of Banking Out Loud, PCBB’s Matt Helsing leads a discussion with three community bankers on how they’re modernizing their processes for clearing Canadian checks.

Listen in as our guests share how partnering with PCBB and Fiserv has strengthened their operations. By using PCBB’s Canadian Check Image solution offered on the Fiserv Clearing Network, these institutions have reduced costs associated with overnight check shipments and exchange rate adjustments.

MODERATOR: 
Matt Helsing 
SVP & Regional Manager, West Region 
PCBB 

PANELISTS: 
Lana Hollier 
SVP & Director of Deposit Operations 
Sanibel Captiva Community Bank 

Cory Flinn
VP, Payment Operations 
Bridgewater Bank 

Joanna Champagne 
VP, Operations Officer
Franklin Savings Bank 

]]> In this episode of Banking Out Loud, PCBB’s Matt Helsing talks with three community bankers about modernizing the way they clear Canadian checks. By leveraging PCBB’s Canadian Check Image solution through the Fiserv Clearing Network, they’ve streamlined operations while reducing costs associated with overnight shipments and exchange rates. PCBB false No 1377 27 full 2026 Banking Predictions: A discussion with PCBB’s President 2026 Banking Predictions: A discussion with PCBB’s President https://bankingoutloud.com/e/pcbb-2026-cfi-predictions/ https://bankingoutloud.com/e/pcbb-2026-cfi-predictions/#comments Thu, 15 Jan 2026 05:59:50 -0800 pcbb.podbean.com/0d2d3329-544a-3774-89d0-6a7820100e76 In this episode of Banking Out Loud, our host, Nancy Ozawa, sits down with PCBB’s President, Mike Dohren, to predict what 2026 has in store for community financial institutions. They delve into how profitability, innovation, and technology will shape the year as banks work to adapt to changing customer expectations and new opportunities on the horizon. The conversation also touches on how AI, digital payments, open banking, efficiency, regulatory shifts, and other likely opportunities could redefine banking strategies — including why staying agile and forward-thinking will be key to long-term success. Tune in to discover what forward-thinking community banks are preparing for and glean insights to help your organization thrive this year.

 

Guest: Mike Dohren President PCBB

RESOURCES:

  • Check out this PCBB BID Article for even more 2026 banking trends. READ ARTICLE
]]> In this episode of Banking Out Loud, our host, Nancy Ozawa, sits down with PCBB’s President, Mike Dohren, to predict what 2026 has in store for community financial institutions. They delve into how profitability, innovation, and technology will shape the year as banks work to adapt to changing customer expectations and new opportunities on the horizon.

The conversation also touches on how AI, digital payments, open banking, efficiency, regulatory shifts, and other likely opportunities could redefine banking strategies — including why staying agile and forward-thinking will be key to long-term success.

Tune in to discover what forward-thinking community banks are preparing for and glean insights to help your organization thrive this year.

 

Guest:
Mike Dohren
President
PCBB

RESOURCES:

  • Check out this PCBB BID Article for even more 2026 banking trends. READ ARTICLE
]]> PCBB President Mike Dohren shares 2026 predictions for community banks — covering profitability, customer engagement, AI, cyber risk, stablecoin, and faster payments — along with practical guidance on data strategy, culture, and targeted digital transformation. PCBB false No 2339 26 full Industry Experts Discuss Today's Existential Banking Challenges Industry Experts Discuss Today's Existential Banking Challenges https://bankingoutloud.com/e/25-expert-panel/ https://bankingoutloud.com/e/25-expert-panel/#comments Tue, 21 Oct 2025 04:00:00 -0700 pcbb.podbean.com/ee0b813c-92dc-30d3-a527-b29f45da600d This special episode brings together a powerhouse panel of industry experts to tackle the existential challenges facing community financial institutions (CFIs) today. In a banking environment shaped by market pressures, rapid technology disruption, evolving regulations, and shifting customer expectations, survival is far from guaranteed.

Moderator Curt Hecker, CEO & Executive Chairman of PCBB, leads a dynamic conversation with Gary Steven Findley, Esq., President of Gary Steven Findley & Associates; Aaron Donaldson, Financial Institutions Consulting Co-leader and Principal with RSM; and John Pietrzak, President and CEO of Devrai Capital. Together, they share practical strategies CFI leaders can put to work immediately — covering capital planning, board effectiveness, technology adoption, AI readiness, and more.

These insights are not just future-focused — they address what every CFI executive and director should act on now to ensure long-term relevance and resilience. This episode intentionally runs longer than usual, reflecting the depth and urgency of the topics discussed. To make it easy for listeners to dive in, chapters have been included for quick navigation. Listeners can choose the segments most relevant to their role or revisit critical advice.

The length, structure, and caliber of voices in this discussion make it an invaluable resource for anyone committed to shaping the future of community banking.

 

MODERATOR: Curt Hecker CEO & Executive Chairman PCBB PANELISTS: Gary Steven Findley, Esq. President Gary Steven Findley & Associates Aaron Donaldson Financial Institutions Consulting Co-leader and Principal RSM US LLP John Pietrzak President and CEO Devrai Capital

]]> This special episode brings together a powerhouse panel of industry experts to tackle the existential challenges facing community financial institutions (CFIs) today. In a banking environment shaped by market pressures, rapid technology disruption, evolving regulations, and shifting customer expectations, survival is far from guaranteed.

Moderator Curt Hecker, CEO & Executive Chairman of PCBB, leads a dynamic conversation with Gary Steven Findley, Esq., President of Gary Steven Findley & Associates; Aaron Donaldson, Financial Institutions Consulting Co-leader and Principal with RSM; and John Pietrzak, President and CEO of Devrai Capital. Together, they share practical strategies CFI leaders can put to work immediately — covering capital planning, board effectiveness, technology adoption, AI readiness, and more.

These insights are not just future-focused — they address what every CFI executive and director should act on now to ensure long-term relevance and resilience. This episode intentionally runs longer than usual, reflecting the depth and urgency of the topics discussed. To make it easy for listeners to dive in, chapters have been included for quick navigation. Listeners can choose the segments most relevant to their role or revisit critical advice.

The length, structure, and caliber of voices in this discussion make it an invaluable resource for anyone committed to shaping the future of community banking.

 

MODERATOR:
Curt Hecker
CEO & Executive Chairman
PCBB

PANELISTS:
Gary Steven Findley, Esq.
President
Gary Steven Findley & Associates

Aaron Donaldson
Financial Institutions Consulting Co-leader and Principal
RSM US LLP

John Pietrzak
President and CEO
Devrai Capital

]]> A powerhouse panel of industry experts explores the existential challenges facing community financial institutions today — from capital planning and board effectiveness to technology adoption, AI readiness, and more. Gain actionable insights to help your CFI. PCBB false No 4431 25 full Strategic Planning Tips From PCBB’s CEO: AI, Change & Growth Strategic Planning Tips From PCBB’s CEO: AI, Change & Growth https://bankingoutloud.com/e/strategic-planning/ https://bankingoutloud.com/e/strategic-planning/#comments Tue, 16 Sep 2025 03:27:46 -0700 pcbb.podbean.com/445f2259-4ab5-32f1-afa9-1c58627a4e0f In this episode of Banking Out Loud, host Sonia Portwood and Curt Hecker, industry veteran and CEO of PCBB, unravel the essentials of strategic planning for community financial institutions (CFIs). Discover how senior leaders and boards can leverage digital transformation, AI, and compliance best practices to drive growth, enhance customer experience, and stay competitive amidst rapid industry change. The conversation highlights actionable strategies, technology modernization, project management, risk mitigation, emerging fintech partnerships, and market trends shaping community banking in 2026. Tune in for expert insights and proven approaches to future-proof your CFI.

Guest: Curt Hecker CEO & Executive Chairman PCBB

Download this episode's companion PDF for takeaways and tips on Strategic Planning. DOWNLOAD

Check out this PCBB BID article for even more Strategic Planning insight from Curt Hecker. READ ARTICLE

 

]]> In this episode of Banking Out Loud, host Sonia Portwood and Curt Hecker, industry veteran and CEO of PCBB, unravel the essentials of strategic planning for community financial institutions (CFIs). Discover how senior leaders and boards can leverage digital transformation, AI, and compliance best practices to drive growth, enhance customer experience, and stay competitive amidst rapid industry change. The conversation highlights actionable strategies, technology modernization, project management, risk mitigation, emerging fintech partnerships, and market trends shaping community banking in 2026. Tune in for expert insights and proven approaches to future-proof your CFI.

Guest:
Curt Hecker
CEO & Executive Chairman
PCBB

Download this episode's companion PDF for takeaways and tips on Strategic Planning. DOWNLOAD

Check out this PCBB BID article for even more Strategic Planning insight from Curt Hecker. READ ARTICLE

 

]]> Explore how community financial institutions can craft robust strategic plans for 2026 & beyond with insights from Curt Hecker, Executive Chairman and CEO at PCBB, as he discusses technology modernization, regulatory trends, leadership, and innovation. PCBB false No 1595 24 full Banking on Cannabis: Risks, Rewards & Regulations Banking on Cannabis: Risks, Rewards & Regulations https://bankingoutloud.com/e/mrb-risks-rewards/ https://bankingoutloud.com/e/mrb-risks-rewards/#comments Thu, 20 Mar 2025 04:56:19 -0700 pcbb.podbean.com/51b03953-ae53-39b9-934e-e451a7abd70d As the cannabis industry grows, community financial institutions face a pivotal decision — should they step into the Marijuana-Related Banking (MRB) space? In this episode, we explore the evolving landscape of MRB, breaking down the risks, rewards, and regulatory complexities of taking on cannabis-related business customers.

Join us as we dive into the conversations CFIs are having with regulators about MRB, the potential impact of legislative changes like the SAFE Banking Act, and real-world insights from financial institutions already offering MRB services. We’ll also discuss reputation management, compliance strategies, and what it takes to run a successful MRB program.

If your institution is weighing the pros and cons of MRB, this episode will give you the knowledge you need to make an informed decision about this rapidly evolving sector.

Resources: The Shield Compliance Cannabis Banking Playbook

GUESTS:

Tony Repanich President and CEO Shield Compliance shieldbanking.com

Aviva Lipkin SVP, BSA/AML & OFAC Officer Risk Department PCBB pcbb.com

 

]]> As the cannabis industry grows, community financial institutions face a pivotal decision — should they step into the Marijuana-Related Banking (MRB) space? In this episode, we explore the evolving landscape of MRB, breaking down the risks, rewards, and regulatory complexities of taking on cannabis-related business customers.

Join us as we dive into the conversations CFIs are having with regulators about MRB, the potential impact of legislative changes like the SAFE Banking Act, and real-world insights from financial institutions already offering MRB services. We’ll also discuss reputation management, compliance strategies, and what it takes to run a successful MRB program.

If your institution is weighing the pros and cons of MRB, this episode will give you the knowledge you need to make an informed decision about this rapidly evolving sector.

Resources:
The Shield Compliance Cannabis Banking Playbook

GUESTS:

Tony Repanich
President and CEO
Shield Compliance
shieldbanking.com

Aviva Lipkin
SVP, BSA/AML & OFAC Officer
Risk Department
PCBB
pcbb.com

 

]]> Gain expert guidance on MRB banking. Guest Tony Repanich, President and CEO of Shield Compliance, and Aviva Lipkin, SVP, BSA/AML & OFAC Officer of PCBB, share insights on risks, rewards, regulations, and managing compliance challenges effectively. PCBB false No 2280 23 full The Power of Your People: UBank’s CEO Talks Relationship Banking The Power of Your People: UBank’s CEO Talks Relationship Banking https://bankingoutloud.com/e/ubankrelationshipbanking/ https://bankingoutloud.com/e/ubankrelationshipbanking/#comments Thu, 05 Dec 2024 04:00:00 -0800 pcbb.podbean.com/1b9fa2f5-0887-32a1-98b5-da506564b2df Banking Out Loud host Nancy Ozawa discusses relationship banking, its benefits, and strategies for success with guest Justin Armstrong, Co-CEO of UBank, and PCBB’s Northeast Regional Manager, Mike Foreman. The group delves into how prioritizing customer relationships over transactions radically transformed UBank’s approach to banking.

Join us as we break down UBank’s vision to level up community banking into actionable insights. Their winning strategy focuses on common sense, consistency, and efficiency, creating long-term, sustainable success for both their customers and their team.

This episode is a must-listen for those striving to elevate their own institutions to new heights.

Guest:

Justin Armstrong Co-Chief Executive Officer UBank

]]> Banking Out Loud host Nancy Ozawa discusses relationship banking, its benefits, and strategies for success with guest Justin Armstrong, Co-CEO of UBank, and PCBB’s Northeast Regional Manager, Mike Foreman. The group delves into how prioritizing customer relationships over transactions radically transformed UBank’s approach to banking.


Join us as we break down UBank’s vision to level up community banking into actionable insights. Their winning strategy focuses on common sense, consistency, and efficiency, creating long-term, sustainable success for both their customers and their team.


This episode is a must-listen for those striving to elevate their own institutions to new heights.

Guest:

Justin Armstrong
Co-Chief Executive Officer
UBank

]]> PCBB false No 1724 22 full What Makes an Institution Successful—A Regulatory Perspective What Makes an Institution Successful—A Regulatory Perspective https://bankingoutloud.com/e/institution-success-a-regulatory-perspective/ https://bankingoutloud.com/e/institution-success-a-regulatory-perspective/#comments Tue, 05 Nov 2024 03:35:45 -0800 pcbb.podbean.com/d29c7322-d7d7-3ef4-b048-bed54b4d8058 In this episode, Kathy Lonowski, former regulator with the FDIC, explores the keys to success for community financial institutions. Lonowski shares insights on the importance of proactive risk management, strong communication, and effective data use in decision-making. She explains why involving regulators early in risk discussions is crucial and highlights the significance of corporate governance and stakeholder trust in ensuring long-term success.

Lonowski also touches on the role of middle management in addressing issues and stresses the importance of due diligence when launching new products. She wraps up with a practical look at how regulatory bodies coordinate and why preemptive reporting can prevent bigger issues down the line.

Resources: • FDIC - Third-Party Risk Management, A Guide for Community Banks • eCFR - Appendix A to Part 364—Interagency Guidelines Establishing Standards for Safety and Soundness Guest: Kathy Lonowski Former FDIC Regulator

]]> In this episode, Kathy Lonowski, former regulator with the FDIC, explores the keys to success for community financial institutions. Lonowski shares insights on the importance of proactive risk management, strong communication, and effective data use in decision-making. She explains why involving regulators early in risk discussions is crucial and highlights the significance of corporate governance and stakeholder trust in ensuring long-term success.

Lonowski also touches on the role of middle management in addressing issues and stresses the importance of due diligence when launching new products. She wraps up with a practical look at how regulatory bodies coordinate and why preemptive reporting can prevent bigger issues down the line.


Resources:
• FDIC - Third-Party Risk Management, A Guide for Community Banks
• eCFR - Appendix A to Part 364—Interagency Guidelines Establishing Standards for Safety and Soundness

Guest:
Kathy Lonowski
Former FDIC Regulator

]]> A former regulator with the FDIC, explores what makes community financial institutions successful. The episode discusses key insights on the importance of proactive risk management, strong communication, effective data use in decision-making, corporate governance and why involving regulators early in risk discussions is crucial. PCBB false No 2079 21 full A Middle Manager’s Guide To Driving Organizational Success A Middle Manager’s Guide To Driving Organizational Success https://bankingoutloud.com/e/bol-20-leading-from-the-middle/ https://bankingoutloud.com/e/bol-20-leading-from-the-middle/#comments Tue, 09 Jul 2024 04:52:27 -0700 pcbb.podbean.com/49c6faa2-64e9-3385-a3e4-48202bc61cc1 In this insightful episode, we dive into the unique challenges and opportunities of mid-level managers. Scott Mautz, accomplished author, keynote speaker, and trainer leverages his decades of management experience at Proctor & Gamble (P&G), along with data and actionable tips and strategies, to help middle managers thrive in hierarchy, differentiate themselves, and influence “up, down, and across the organization.”  Scott offers a fresh perspective on how middle-managing leaders can enhance their influence by being a powerful resource for upper management, coaching and empowering their teams, and championing collaboration between departments to drive meaningful change from the middle of their organization. He also shines a light on the skills that separate the truly great middle managers from the pack and how they actually form the backbone of successful companies.

 

Resources Mentioned: •Leading from the Middle (Book) •The Mentally Strong Leader (Book) •Free 60-Page Companion Workbook (PDF Download)

Guest: Scott Mautz Author, Keynote and Trainer Founder, Profound Performance https://scottmautz.com/

 

]]> In this insightful episode, we dive into the unique challenges and opportunities of mid-level managers. Scott Mautz, accomplished author, keynote speaker, and trainer leverages his decades of management experience at Proctor & Gamble (P&G), along with data and actionable tips and strategies, to help middle managers thrive in hierarchy, differentiate themselves, and influence “up, down, and across the organization.” 

Scott offers a fresh perspective on how middle-managing leaders can enhance their influence by being a powerful resource for upper management, coaching and empowering their teams, and championing collaboration between departments to drive meaningful change from the middle of their organization. He also shines a light on the skills that separate the truly great middle managers from the pack and how they actually form the backbone of successful companies.

 

Resources Mentioned:
•Leading from the Middle (Book)
•The Mentally Strong Leader (Book)
•Free 60-Page Companion Workbook (PDF Download)

Guest:
Scott Mautz
Author, Keynote and Trainer
Founder, Profound Performance
https://scottmautz.com/

 

]]> Actionable tips and strategies to help middle managers thrive in the hierarchy, differentiate themselves, and influence “up, down, and across the organization. PCBB false No 2364 20 full Harnessing the Potential of Generative AI in Banking Harnessing the Potential of Generative AI in Banking https://bankingoutloud.com/e/potential-of-ai/ https://bankingoutloud.com/e/potential-of-ai/#comments Thu, 25 Apr 2024 05:10:16 -0700 pcbb.podbean.com/418adf61-7f67-3b2c-9f0d-1e753851ef50 AI is expected to be as big a disruptor as the internet was. In this episode, we're joined by Kendra Ramirez, CEO of KR Digital Agency and an expert in AI. Together, we explore the far-reaching impacts of AI across industries, focusing on the banking sector and generative AI. Kendra unpacks the nuances of generative AI, shedding light on its benefits and challenges. She shares actionable tips for navigating the AI landscape, from getting started to vetting AI-powered tools effectively. She also emphasizes the importance of developing an AI policy to ensure responsible and ethical use and to prevent shadow AI.  Join us as we uncover the transformative power of AI and how you can harness it strategically to help achieve your business goals.

 

Guest: Kendra Ramirez Chief Executive Officer KR Digital Connect with Kendra on LinkedIn

]]> AI is expected to be as big a disruptor as the internet was. In this episode, we're joined by Kendra Ramirez, CEO of KR Digital Agency and an expert in AI. Together, we explore the far-reaching impacts of AI across industries, focusing on the banking sector and generative AI.

Kendra unpacks the nuances of generative AI, shedding light on its benefits and challenges. She shares actionable tips for navigating the AI landscape, from getting started to vetting AI-powered tools effectively. She also emphasizes the importance of developing an AI policy to ensure responsible and ethical use and to prevent shadow AI. 

Join us as we uncover the transformative power of AI and how you can harness it strategically to help achieve your business goals.

 

Guest:
Kendra Ramirez
Chief Executive Officer
KR Digital
Connect with Kendra on LinkedIn

]]> In this episode, we’re joined by Kendra Ramirez, CEO of KR Digital and an expert in AI, to explore the far-reaching impacts of AI across industries, focusing on how to harness the potential of generative AI in banking. PCBB false No 2215 19 full Accelerating Faster Payments Success – Insights from PCBB & Fiserv Accelerating Faster Payments Success – Insights from PCBB & Fiserv https://bankingoutloud.com/e/faster-payments/ https://bankingoutloud.com/e/faster-payments/#comments Thu, 28 Mar 2024 04:00:00 -0700 pcbb.podbean.com/9b72ced8-2ccf-3d07-9d65-b54a332f504d In this episode of Banking Out Loud, Fiserv payments experts Paul Sullivan and Justin Jackson join PCBB’s payments expert Sheila Noll to discuss the rapidly evolving faster payments landscape. Their conversation touches on the importance of strategic thinking and collaboration with partners, while also driving home the need to view faster payments as an opportunity to better serve customers and differentiate your institution. They also discuss other considerations, such as the value of data-rich transactions enabled by ISO 20022 and the potential for new use cases and business models as faster payments continue to develop.

 

Guests: Sheila Noll EVP, Chief Operating Officer PCBB

Justin Jackson SVP, Head of Enterprise Payment Solutions Fiserv

Paul Sullivan VP, Treasury Solution Sales Fiserv

 

]]> In this episode of Banking Out Loud, Fiserv payments experts Paul Sullivan and Justin Jackson join PCBB’s payments expert Sheila Noll to discuss the rapidly evolving faster payments landscape. Their conversation touches on the importance of strategic thinking and collaboration with partners, while also driving home the need to view faster payments as an opportunity to better serve customers and differentiate your institution. They also discuss other considerations, such as the value of data-rich transactions enabled by ISO 20022 and the potential for new use cases and business models as faster payments continue to develop.

 

Guests:
Sheila Noll
EVP, Chief Operating Officer
PCBB

Justin Jackson
SVP, Head of Enterprise Payment Solutions
Fiserv

Paul Sullivan
VP, Treasury Solution Sales
Fiserv

 

]]> Fiserv payments experts Paul Sullivan and Justin Jackson join PCBB’s payments expert Sheila Noll to discuss the rapidly evolving faster payments landscape. PCBB false No 1701 18 full Performance Review Tips That Really Work Performance Review Tips That Really Work https://bankingoutloud.com/e/performance-reviews/ https://bankingoutloud.com/e/performance-reviews/#comments Tue, 30 Jan 2024 04:00:00 -0800 pcbb.podbean.com/f12a3817-d08b-398d-95dc-9655724ca331 In this episode of Banking Out Loud, host Nancy Ozawa discusses the value of performance reviews and how to effectively prepare for them with Laurie Battaglia, CEO of Aligned at Work. Laurie emphasizes the need for employees and managers to discuss the format and frequency of reviews that will be most helpful. She also provides tips for employees on how to prepare for performance discussions, the role of managers in creating a positive culture of feedback and growth, and the importance of open communication, curiosity, and continuous improvement in the performance review process.

 

Guest: Laurie Battaglia Chief Executive Officer Aligned at Work® Connect with Laurie: laurie@AlignedatWork.com | www.alignedatwork.com | LinkedIn

]]> In this episode of Banking Out Loud, host Nancy Ozawa discusses the value of performance reviews and how to effectively prepare for them with Laurie Battaglia, CEO of Aligned at Work. Laurie emphasizes the need for employees and managers to discuss the format and frequency of reviews that will be most helpful. She also provides tips for employees on how to prepare for performance discussions, the role of managers in creating a positive culture of feedback and growth, and the importance of open communication, curiosity, and continuous improvement in the performance review process.

 

Guest:
Laurie Battaglia
Chief Executive Officer
Aligned at Work®
Connect with Laurie: laurie@AlignedatWork.com | www.alignedatwork.com | LinkedIn


]]> PCBB false No 2511 17 full Preventing Cyber Attacks – Insights from a US Secret Service Agent Preventing Cyber Attacks – Insights from a US Secret Service Agent https://bankingoutloud.com/e/cybercrime/ https://bankingoutloud.com/e/cybercrime/#comments Thu, 30 Nov 2023 04:00:00 -0800 pcbb.podbean.com/9eb8966f-eed4-3719-86c7-426dd3e7d722 In this episode of Banking Out Loud, US Secret Service agent Stephen Dougherty joins hosts Sonia Portwood and Nancy Ozawa to discuss cybercrime and the Secret Service’s mission to protect and secure the US financial and economic infrastructure. Stephen shares examples of types of cybercrime, including business email compromise schemes, romance scams, work-from-home scams and deep fakes, and explains how technology tools, including AI, have made these schemes more sophisticated than ever. He also provides tips on when and to which law enforcement or relevant authority suspicious activity should be reported to.

Hosts: Sonia Portwood Chief Sales and Marketing Officer PCBB sportwood@pcbb.com

Nancy Ozawa Senior Vice President, Marketing PCBB nozawa@pcbb.com

Guest: Stephen Dougherty U.S. Secret Service CID/GIOC stephen.dougherty@usss.dhs.gov

 

Resources:

• US Secret Service Field Offices: https://www.secretservice.gov/contact/field-offices

• The Financial Services Information Sharing and Analysis Center: https://www.fsisac.com/

• Preparing for a Cyber Incident: https://www.secretservice.gov/investigation/Preparing-for-a-Cyber-Incident

 

]]> In this episode of Banking Out Loud, US Secret Service agent Stephen Dougherty joins hosts Sonia Portwood and Nancy Ozawa to discuss cybercrime and the Secret Service’s mission to protect and secure the US financial and economic infrastructure. Stephen shares examples of types of cybercrime, including business email compromise schemes, romance scams, work-from-home scams and deep fakes, and explains how technology tools, including AI, have made these schemes more sophisticated than ever. He also provides tips on when and to which law enforcement or relevant authority suspicious activity should be reported to.

Hosts:
Sonia Portwood
Chief Sales and Marketing Officer
PCBB
sportwood@pcbb.com

Nancy Ozawa
Senior Vice President, Marketing
PCBB
nozawa@pcbb.com

Guest:
Stephen Dougherty
U.S. Secret Service
CID/GIOC
stephen.dougherty@usss.dhs.gov

 

Resources:

• US Secret Service Field Offices: https://www.secretservice.gov/contact/field-offices

• The Financial Services Information Sharing and Analysis Center: https://www.fsisac.com/

• Preparing for a Cyber Incident: https://www.secretservice.gov/investigation/Preparing-for-a-Cyber-Incident

 

]]> US Secret Service agent Stephen Dougherty joins us to discuss cybercrime and the Secret Service’s mission to protect and secure the US financial and economic infrastructure. Plus, he shares insights on types of cybercrime, how technology has made schemes more sophisticated than ever and provides tips on reporting suspicious activity. PCBB false No 2134 16 full The Art of Intentional and Successful Communication The Art of Intentional and Successful Communication https://bankingoutloud.com/e/intentional-communication/ https://bankingoutloud.com/e/intentional-communication/#comments Mon, 30 Oct 2023 06:29:55 -0700 pcbb.podbean.com/417f43e6-72a7-3cdf-98cd-9d9712f2b1e2 In this podcast episode, host Sonia Portwood discusses the importance of communication skills and ways to improve them with guest Alyson Van Hooser, a keynote speaker and trainer focused on multi-generational leadership. Alyson shares tips emphasizing the need for intentional communication and understanding the stories of others to connect with them effectively. Also, hear the three-step listening technique that can not only improve communication but also ensure the results you want from almost any conversation.

 

Host: Sonia Portwood Chief Sales and Marketing Officer PCBB

 

Guest: Alyson Van Hooser Keynote Speaker, Trainer, Author Van Hooser Associates, Inc. www.vanhooser.com

 

]]> In this podcast episode, host Sonia Portwood discusses the importance of communication skills and ways to improve them with guest Alyson Van Hooser, a keynote speaker and trainer focused on multi-generational leadership. Alyson shares tips emphasizing the need for intentional communication and understanding the stories of others to connect with them effectively. Also, hear the three-step listening technique that can not only improve communication but also ensure the results you want from almost any conversation.

 

Host:
Sonia Portwood
Chief Sales and Marketing Officer
PCBB

 

Guest:
Alyson Van Hooser
Keynote Speaker, Trainer, Author
Van Hooser Associates, Inc.
www.vanhooser.com

 

]]> In this episode of Banking Out Loud, host Sonia Portwood discusses the importance of communication and ways to improve your communication skills with guest Alyson Van Hooser, a keynote speaker and trainer focused on multi-generational leadership. PCBB false No 1738 15 full Strategy Before Structure: A Roadmap for Succecss Strategy Before Structure: A Roadmap for Succecss https://bankingoutloud.com/e/strategy-before-structure/ https://bankingoutloud.com/e/strategy-before-structure/#comments Thu, 03 Aug 2023 02:00:00 -0700 pcbb.podbean.com/3cde4904-2cc4-3047-aa46-a2785dc531ad In this episode of Banking Out Loud, we discuss the importance of putting strategy before structure when launching new products, services, and strategic initiatives. Guest Ryan Canin, CEO and Co-Founder of DocFox, shares insights on the importance of defining clear objectives and strategies before adopting new technologies or selecting vendors. Hear practical approaches to optimize your innovation journey and understand how to avoid common pitfalls, ensuring that your institution remains efficient, competitive, and customer-focused.

Host: Nancy Ozawa Senior Vice President Marketing | PCBB

Guest: Ryan Canin CEO and Co-Founder | DocFox www.docfox.io

]]> In this episode of Banking Out Loud, we discuss the importance of putting strategy before structure when launching new products, services, and strategic initiatives. Guest Ryan Canin, CEO and Co-Founder of DocFox, shares insights on the importance of defining clear objectives and strategies before adopting new technologies or selecting vendors. Hear practical approaches to optimize your innovation journey and understand how to avoid common pitfalls, ensuring that your institution remains efficient, competitive, and customer-focused.

Host:
Nancy Ozawa
Senior Vice President
Marketing | PCBB

Guest:
Ryan Canin
CEO and Co-Founder | DocFox
www.docfox.io

]]> In this episode of Banking Out Loud, we discuss the importance of putting strategy before structure when launching new products, services, and strategic initiatives with guest Ryan Canin, CEO and Co-Founder of DocFox. PCBB false No 2487 14 full Achieving Disney-level Customer Service - The Mouse Is In The House! Achieving Disney-level Customer Service - The Mouse Is In The House! https://bankingoutloud.com/e/customer-service-excellence/ https://bankingoutloud.com/e/customer-service-excellence/#comments Mon, 08 May 2023 03:43:04 -0700 pcbb.podbean.com/5936e1e7-4258-3393-8456-de96e17e29ba Excellent customer service can be a crucial differentiator for businesses. Done well, it can help your institution attract and retain customers and drive bottom-line results. Join us as Dennis Snow walks us through proven principals for delivering outstanding customer experiences. As an ex-Disney leader and now full-time speaker, trainer and consultant on all things customer service excellence, Dennis discusses the strategic tools that help differentiate your services from others and helps create an engaged workplace, so that customer satisfaction is the primary focus of the entire team.

 

Host: Sonia Portwood Chief Sales & Marketing Officer PCBB

Guest: Dennis Snow Customer Service Keynote Speaker, Consultant and Author Snow & Associates, Inc Email: info@snowassociates.com Phone: 407-294-1855 snowassociates.com

Connect with Dennis on LinkedIn: https://www.linkedin.com/in/dennissnow/

 

]]> Excellent customer service can be a crucial differentiator for businesses. Done well, it can help your institution attract and retain customers and drive bottom-line results.

Join us as Dennis Snow walks us through proven principals for delivering outstanding customer experiences. As an ex-Disney leader and now full-time speaker, trainer and consultant on all things customer service excellence, Dennis discusses the strategic tools that help differentiate your services from others and helps create an engaged workplace, so that customer satisfaction is the primary focus of the entire team.

 

Host:
Sonia Portwood
Chief Sales & Marketing Officer
PCBB

Guest:
Dennis Snow
Customer Service Keynote Speaker, Consultant and Author
Snow & Associates, Inc
Email: info@snowassociates.com
Phone: 407-294-1855
snowassociates.com

Connect with Dennis on LinkedIn: https://www.linkedin.com/in/dennissnow/

 

]]> Dennis Snow, joins us to discuss proven principals for delivering outstanding customer experiences to attract and retain customers, and drive bottom line results. PCBB false No 1949 13 full All About Crypto and Blockchain Technology All About Crypto and Blockchain Technology https://bankingoutloud.com/e/crypto-and-blockchain-tech/ https://bankingoutloud.com/e/crypto-and-blockchain-tech/#comments Mon, 10 Apr 2023 04:30:00 -0700 pcbb.podbean.com/4003a53e-6673-380d-93e9-96589c43fd0f There is a lot to understand when it comes to cryptocurrencies, blockchain technology and the associated regulation. We talk with Div Pandya, Principal at FS Vector, to help us understand it all. Learn about the types of digital assets and current regulation standards, along with expert predictions on where this sector is headed. We also explore blockchain technology with a look at current and potential uses related to banking.

 

Host: Nancy Ozawa Senior Vice President, Marketing PCBB

Guest: Divij Pandya Principal FS Vector Email: dpandya@fsvector.com Connect with Div on LinkedIn 

 

Resources mentioned in this episode: American Banker Coin Desk

 

]]> There is a lot to understand when it comes to cryptocurrencies, blockchain technology and the associated regulation. We talk with Div Pandya, Principal at FS Vector, to help us understand it all. Learn about the types of digital assets and current regulation standards, along with expert predictions on where this sector is headed. We also explore blockchain technology with a look at current and potential uses related to banking.

 

Host:
Nancy Ozawa
Senior Vice President, Marketing
PCBB

Guest:
Divij Pandya
Principal
FS Vector
Email: dpandya@fsvector.com
Connect with Div on LinkedIn 

 

Resources mentioned in this episode:
American Banker
Coin Desk

 

]]> Hear about the different types of digital assets, current regulation as well as thoughts on what could be next. We also explore blockchain technology with a look at current and potential uses related to banking. PCBB false No 1902 12 full Sticky Business: Increasing Customer Loyalty Sticky Business: Increasing Customer Loyalty https://bankingoutloud.com/e/sticky-business-increasing-customer-loyalty/ https://bankingoutloud.com/e/sticky-business-increasing-customer-loyalty/#comments Mon, 12 Dec 2022 04:30:00 -0800 pcbb.podbean.com/c487f785-6b62-36be-bb5f-01e88486f2d4 It's always a good time to focus on keeping your customers happy and loyal. In this episode of Banking Out Loud, we sit down with Sushil Wenholz and Paul Louderman of Customer Communication Group to discuss ways to increase customer loyalty — including 3 tips to get started and key mistakes to avoid.

 

Host: Nancy Ozawa Senior Vice President, Marketing PCBB

Guests: Sushil Wenholz VP, Creative Director Customer Communications Group, Inc. sushil@customer.com

Paul Louderman SVP, Account Management Customer Communications Group, Inc. paul.louderman@customer.com

Learn more about Customer Communication Group, Inc. (CCG)

 

]]> It's always a good time to focus on keeping your customers happy and loyal. In this episode of Banking Out Loud, we sit down with Sushil Wenholz and Paul Louderman of Customer Communication Group to discuss ways to increase customer loyalty — including 3 tips to get started and key mistakes to avoid.

 

Host:
Nancy Ozawa
Senior Vice President, Marketing
PCBB

Guests:
Sushil Wenholz
VP, Creative Director
Customer Communications Group, Inc.
sushil@customer.com

Paul Louderman
SVP, Account Management
Customer Communications Group, Inc.
paul.louderman@customer.com

Learn more about Customer Communication Group, Inc. (CCG)

 

]]> It’s always a good time to focus on keeping your customers happy and loyal. In this episode of Banking Out Loud, we discuss ways to increase customer loyalty and offer 3 tips to get started and key mistakes to avoid. PCBB false No 1841 11 full CECL Case Study: From In-House to Outsourced (Micro-cast) CECL Case Study: From In-House to Outsourced (Micro-cast) https://bankingoutloud.com/e/cecl-case-study/ https://bankingoutloud.com/e/cecl-case-study/#comments Thu, 17 Nov 2022 05:00:00 -0800 pcbb.podbean.com/d3ada3b3-df01-3fdd-b762-28053c4dcff0 Chief Credit Officer, Michael Kerr of First Federal Bank shares his experience with CECL, and why his institution ultimately decided to outsource CECL, after starting off in-house. 

From Coast to Coast, PCBB is Your Trusted Partner. If you have questions about CECL or your approach - in-house or outsourced - we would be happy to help. Feel free to reach out: 

(888)-399-1930 | cecl@pcbb.com | pcbb.com/products/cecl

Host: Nancy Ozawa Senior Vice President, Marketing PCBB nozawa@pcbb.com

Guest: Michael Kerr Chief Credit Officer First Federal Bank

]]> Chief Credit Officer, Michael Kerr of First Federal Bank shares his experience with CECL, and why his institution ultimately decided to outsource CECL, after starting off in-house. 

From Coast to Coast, PCBB is Your Trusted Partner. If you have questions about CECL or your approach - in-house or outsourced - we would be happy to help. Feel free to reach out: 

(888)-399-1930 | cecl@pcbb.com | pcbb.com/products/cecl

Host:
Nancy Ozawa
Senior Vice President, Marketing
PCBB
nozawa@pcbb.com

Guest:
Michael Kerr
Chief Credit Officer
First Federal Bank

]]> Chief Credit Officer, Michael Kerr of First Federal Bank shares his experience with CECL, and why his institution ultimately decided to outsource CECL, after starting off in-house. PCBB false No 515 10 bonus Extraordinary Sales Results: Tips, Mistakes, The Value Equation Extraordinary Sales Results: Tips, Mistakes, The Value Equation https://bankingoutloud.com/e/ep-9-sales-tips-mistakes-and-value-equation/ https://bankingoutloud.com/e/ep-9-sales-tips-mistakes-and-value-equation/#comments Tue, 30 Aug 2022 05:01:00 -0700 pcbb.podbean.com/1263ce33-f6ac-3f04-ae49-ceeffb493d79 Archie Kelley, Managing Principal of SalesPhysics and creator of The Value Equation, joins us to discuss his sales technique aimed at creating a pathway to extraordinary sales results. Archie explains how value is at the core of successful selling, and provides three tips to boost success and three mistakes to avoid.

Host: Sonia Portwood Chief Sales and Marketing Officer PCBB

Guest: Archie Kelly Managing Principal SalesPhysics, LLC archie.kelly@salesphysics.com www.salesphysics.com Connect with Archie on LinkedIn

]]> Archie Kelley, Managing Principal of SalesPhysics and creator of The Value Equation, joins us to discuss his sales technique aimed at creating a pathway to extraordinary sales results. Archie explains how value is at the core of successful selling, and provides three tips to boost success and three mistakes to avoid.

Host:
Sonia Portwood
Chief Sales and Marketing Officer
PCBB

Guest:
Archie Kelly
Managing Principal
SalesPhysics, LLC
archie.kelly@salesphysics.com
www.salesphysics.com
Connect with Archie on LinkedIn

]]> Archie Kelley, Managing Principal of SalesPhysics and creator of The Value Equation, joins us to discuss his sales technique aimed at creating a pathway to extraordinary sales results. PCBB false No 2178 9 full The Evolution of Real-Time Payments: Part 2 - What’s Next? The Evolution of Real-Time Payments: Part 2 - What’s Next? https://bankingoutloud.com/e/real-time-payments-part-2-the-future/ https://bankingoutloud.com/e/real-time-payments-part-2-the-future/#comments Wed, 04 May 2022 04:00:00 -0700 pcbb.podbean.com/fc602b5e-2829-3400-9cca-5ccd526b812e In this part 2 of our payments episode series, host Sonia Portwood sits down with PCBB's Allen Sztukowski to discuss what the future of real-time payments looks like.  Including the soon-to-launch FedNow program, anticipated technology and functionality changes, and tips to help you prepare.

Host: Sonia Portwood Chief Sales and Marketing Officer PCBB

Guest: Allen Sztukowski Senior Vice President, CAMS Operations | PCBB

Resources: Faster Payments Council: https://fasterpaymentscouncil.org/Guides-Research  FedNowSM Service: https://explore.fednow.org/

]]> In this part 2 of our payments episode series, host Sonia Portwood sits down with PCBB's Allen Sztukowski to discuss what the future of real-time payments looks like.  Including the soon-to-launch FedNow program, anticipated technology and functionality changes, and tips to help you prepare.

Host:
Sonia Portwood
Chief Sales and Marketing Officer
PCBB

Guest:
Allen Sztukowski
Senior Vice President, CAMS
Operations | PCBB

Resources:
Faster Payments Council: https://fasterpaymentscouncil.org/Guides-Research 
FedNowSM Service: https://explore.fednow.org/

]]> A discussion on where the real-time payment space is headed in the near and lon-term future. PCBB false No 1801 1 8 full Mind, Body and Banking Mind, Body and Banking https://bankingoutloud.com/e/mind-body-and-banking/ https://bankingoutloud.com/e/mind-body-and-banking/#comments Tue, 08 Mar 2022 05:00:00 -0800 pcbb.podbean.com/240a8acd-0cdf-3555-bc51-028ab10eadeb Host Sonia Portwood sits down with executive coach and leadership consultant Dr. Susan Bernstein, to discuss managing – and even harnessing – anxiety and stress in order to confidently navigate today’s ever-changing (banking) landscape.

Host: Sonia Portwood Chief Sales and Marketing Officer PCBB Connect with Sonia: LinkedIn

Guest: Dr. Susan Bernstein, MBA, PhD Executive Coach & Leadership Consultant Connect with Susan: www.DrSusanBernstein.com | LinkedIn | Instagram | YouTube 

Resources: Breathwrk App

]]> Host Sonia Portwood sits down with executive coach and leadership consultant Dr. Susan Bernstein, to discuss managing – and even harnessing – anxiety and stress in order to confidently navigate today’s ever-changing (banking) landscape.

Host:
Sonia Portwood
Chief Sales and Marketing Officer
PCBB
Connect with Sonia: LinkedIn

Guest:
Dr. Susan Bernstein, MBA, PhD
Executive Coach & Leadership Consultant
Connect with Susan: www.DrSusanBernstein.com | LinkedIn | Instagram | YouTube 

Resources:
Breathwrk App

]]> A look at how to manage and even harness anxiety and stress to confidently navigate today’s ever-changing (business) landscape. PCBB false No 2214 7 full The Evolution of Real-Time Payments: Part 1 - Then and Now The Evolution of Real-Time Payments: Part 1 - Then and Now https://bankingoutloud.com/e/real-time-payments-part-1-the-evolution-%e2%80%93-then-to-now/ https://bankingoutloud.com/e/real-time-payments-part-1-the-evolution-%e2%80%93-then-to-now/#comments Tue, 08 Feb 2022 05:00:00 -0800 pcbb.podbean.com/71dce28e-9b72-30b9-97d0-938f798d0995 Join hosts Sonia Portwood and Virginia Robbins in a discussion with Allen Sztukowski, Senior Vice President of Operations at PCBB to discuss real-time payments. As an active participant in the efforts to modernize real-time payments, Allen shares his insights on how the payments space has changed over the years, and what efforts are being made today to modernize it.

]]> Join hosts Sonia Portwood and Virginia Robbins in a discussion with Allen Sztukowski, Senior Vice President of Operations at PCBB to discuss real-time payments. As an active participant in the efforts to modernize real-time payments, Allen shares his insights on how the payments space has changed over the years, and what efforts are being made today to modernize it.

]]> A discussion on how the payments space has changed over the years, and what efforts are being made today to modernize it. PCBB false No 1839 1 5 full CECL - Beyond Implementation Part 2: Getting Started & Thoughts on Using Spreadsheets for CECL CECL - Beyond Implementation Part 2: Getting Started & Thoughts on Using Spreadsheets for CECL https://bankingoutloud.com/e/903-2-111521-cecl/ https://bankingoutloud.com/e/903-2-111521-cecl/#comments Mon, 15 Nov 2021 04:00:00 -0800 pcbb.podbean.com/f47a0e08-93b9-3aa0-9234-d3788730ebba In part 2 of our 2-part series on CECL, Andy Hines, Chief Lending Officer, and EVP at The Bank of Glen Burnie, shares his experience in getting started with CECL, his exposure and participation, his thoughts on spreadsheets for CECL, and how his institution prepared for CECL. 

For more information on CECL, visit https://www.pcbb.com/products/cecl

]]> In part 2 of our 2-part series on CECL, Andy Hines, Chief Lending Officer, and EVP at The Bank of Glen Burnie, shares his experience in getting started with CECL, his exposure and participation, his thoughts on spreadsheets for CECL, and how his institution prepared for CECL. 

For more information on CECL, visit https://www.pcbb.com/products/cecl

]]> CECL - Beyond Implementation, Part 2 of 2. Getting Started & Thoughts on Using Spreadsheets for CECL. PCBB false No 1389 1 4 full CECL - Beyond Implementation, Part 1: Organizing Data & Explaining Results CECL - Beyond Implementation, Part 1: Organizing Data & Explaining Results https://bankingoutloud.com/e/903-1-101821-cecl/ https://bankingoutloud.com/e/903-1-101821-cecl/#comments Tue, 19 Oct 2021 13:43:49 -0700 pcbb.podbean.com/c492c422-4b36-3166-9584-a69c7034b466 In this 2-part series on CECL, we speak with Andy Hines, Chief Lending Officer, and EVP at The Bank of Glen Burnie, as he reflects on his journey through implementing the Current Expected Credit Loss (CECL) accounting standard.

In this part 1, Andy shares lessons he has learned, specifically on organizing data for CECL and explaining CECL results to his stakeholders.

For more information on CECL, visit https://www.pcbb.com/products/cecl

]]> In this 2-part series on CECL, we speak with Andy Hines, Chief Lending Officer, and EVP at The Bank of Glen Burnie, as he reflects on his journey through implementing the Current Expected Credit Loss (CECL) accounting standard.

In this part 1, Andy shares lessons he has learned, specifically on organizing data for CECL and explaining CECL results to his stakeholders.

For more information on CECL, visit https://www.pcbb.com/products/cecl

]]> CECL - Beyond Implementation, Part 1 of 2. Organizing data for CECL and explaining results to stakeholders. pcbb false No 2088 3 full Machine Learning & Artificial Intelligence Machine Learning & Artificial Intelligence https://bankingoutloud.com/e/machine-learning-ai/ https://bankingoutloud.com/e/machine-learning-ai/#comments Tue, 08 Jun 2021 16:34:48 -0700 pcbb.podbean.com/4a8e5a78-83d3-34a0-8600-379ca3885a44 In this episode, hosts Virginia Robbins and Sonia Portwood talk with PCBB's Machine Learning and Artificial Intelligence (AI) expert Shiva Sandy.  

]]> In this episode, hosts Virginia Robbins and Sonia Portwood talk with PCBB's Machine Learning and Artificial Intelligence (AI) expert Shiva Sandy.  

]]> pcbb false No 2082 2 full About Banking Out Loud About Banking Out Loud https://bankingoutloud.com/e/about-banking-out-loud/ https://bankingoutloud.com/e/about-banking-out-loud/#comments Fri, 14 May 2021 11:32:38 -0700 pcbb.podbean.com/a499e2f2-fe84-3fe5-8480-aab50babe0ba Hear what PCBB’s podcast Banking Out Loud is all about in this sneak peek episode. Hosts Virginia Robbins and Sonia Portwood talk about what you can expect from this new podcast.

]]> Hear what PCBB’s podcast Banking Out Loud is all about in this sneak peek episode. Hosts Virginia Robbins and Sonia Portwood talk about what you can expect from this new podcast.

]]> pcbb false No 260 trailer