Podcasts about Compliance

#thePOZcast is proudly brought to you by Fountain - the leading enterprise platform for workforce management. Our platform enables companies to support their frontline workers from job application to departure. Fountain elevates the hiring, management, and retention of frontline workers at scale.To learn more, please visit: https://www.fountain.com/?utm_source=shrm-2024&utm_medium=event&utm_campaign=shrm-2024-podcast-adam-posner.Thanks for listening, and please follow us on Insta @NHPTalent and www.youtube.com/thePOZcastFor all episodes, please check out www.thePOZcast.com  Takeaways- Jason Walker's journey into HR was influenced by his dyslexia and strong people skills.- Empathy is crucial in HR, especially for those who have faced challenges.- AI has disrupted traditional job searching methods, making networking more important.- Job seekers need to adopt a warrior mentality to compete in the current market.- Companies are hesitant to hire due to uncertainty about future needs.- AI tools can help streamline hiring processes but may lead to a competitive environment.- Job hugging reflects employees' fears of job security and market instability.- Hybrid work models present challenges for employee engagement and development.- HR leaders must focus on maintaining culture and employee appreciation during tough times.- Fractional HR services provide cost-effective solutions for companies needing specialized support. Chapters00:00 Introduction to Jason Walker and ThriveHR Consulting02:32 Jason's Journey into HR and Empathy Development05:01 The Changing Talent Landscape and AI's Impact11:14 The AI War: Job Seekers vs Employers12:18 Positive Uses of AI in Hiring Processes18:45 Understanding Job Hugging in Today's Market20:47 The Hybrid Work Model: Pros and Cons23:42 Culture, Burnout, and Compliance Risks in HR27:02 Practical AI Adoption in HR32:37 Fractional HR: A Growing Demand37:47 Actionable Advice for Job Seekers40:42 Optimism in the HR Landscape  

In this episode of Around the Desk, Sean Emory, Founder and Chief Investment Officer at Avory & Co., steps back from the AI noise to focus on what actually matters right now.Using recent earnings from Google, Microsoft, Amazon, and Meta, this conversation breaks down what the massive AI CapEx buildout really signals, how different business models monetize AI very differently, and why many of the fears around software disruption may be overstated.This episode explores AI through a capital allocation lens, separating defensive spending from offensive opportunity, and what Big Tech behavior tells us about the true health of the underlying economy.Topics covered include:• The scale of Big Tech AI CapEx and why it matters more than feature launches • Defensive vs offensive AI spending and how to think about moats • Why AI CapEx is also an economic confidence signal • Different monetization paths at Amazon, Microsoft, Meta, and Google • Why Meta may be the cleanest AI beneficiary • The narrative vs data gap around Google Search and AI disruption • Why the “AI breaks software” panic may be overdone • Enterprise security, governance, and why AI rollout feels fast and slow at the same time • Platforms vs single-purpose tools and where risk actually sits • What recent software earnings say about demand, renewals, and long-term contracts • How AI likely becomes embedded inside platforms rather than replacing themThis conversation is for informational purposes only and should not be considered investment advice. Avory & Co. may hold positions in some of the companies discussed. Please do your own research before making any investment decisions._____DisclaimerAvory is not an investor in either company mentioned. .Avory & Co. is a Registered Investment Adviser. This platform is solely for informational purposes. Advisory services are only offered to clients or prospective clients where Avory & Co. and its representatives are properly licensed or exempt from licensure. Past performance is no guarantee of future returns. Investing involves risk and possible loss of principal capital. No advice may be rendered by Avory & Co. unless a client service agreement is in place.Listeners and viewers are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance.“Likes” are not intended to be endorsements of our firm, our advisors, or our services. While we monitor comments and “likes,” we do not endorse or necessarily share the opinions expressed by site users. Any form of testimony from current or past clients about their experience with our firm is strictly forbidden under current securities laws. Please limit posts to industry-related educational information and comments.Third-party rankings and recognitions are no guarantee of future investment success and do not ensure that a client or prospective client will experience a higher level of performance or results. These ratings should not be construed as an endorsement of the advisor by any client nor are they representative of any one client's evaluation.Please reach out to Houston Hess, our Head of Compliance and Operations, for any further details.

Josh Birenbaum explains that while the Forever Fleet ensures Venezuelan oil compliance, long-term stability requires establishing the rule of law rather than indefinite military blockades off the coast.1857 SAN MATEO CHURCH, CARACAS

Here is the latest episode of The Compliance Guy! SummaryIn this episode of The Compliance Guy, Sean M Weiss and Terry Fletcher discuss various topics related to compliance, telehealth, and revenue cycle management. They emphasize the importance of accurate documentation in medical records, the impact of government shutdowns on telehealth services, and the responsibilities of EMR companies in ensuring accurate data entry. The conversation highlights the consequences of inaccurate documentation and the need for providers to maintain compliance in their practices.TakeawaysThe government shutdown impacts telehealth services.Compliance applies to various aspects of business and healthcare.Inaccurate documentation can lead to serious consequences.Every medical encounter must support the billed service level.EMR systems can default to incorrect coding, causing issues.Providers must ensure their documentation is accurate and up-to-date.The responsibility for medical record accuracy lies with the provider.EMR companies may have liability for errors in their systems.Documentation should stand on its own without unnecessary coding.Providers need to advocate for better EMR functionality.

In this episode of the Independent Dealer Podcast, hosts Jeff Watson and Luke Godwin sit down with compliance expert Steve Levine from Ignite Consulting to discuss the biggest compliance challenges facing auto dealers in 2025.What You'll Learn:Why state Attorney Generals are getting more aggressive with dealer enforcementHow to properly manage and document customer complaintsWhat constitutes a "complaint" and why it matters for your dealershipDocument retention requirements and best practicesNew FTC rules on Google reviews and compensation disclosureWebsite compliance issues including stock image licensingThe importance of annual document reviewsKey Topics Covered:State regulator activity and AG investigationsComplaint management systems that actually workFee transparency and profit center scrutinyBetter Business Bureau complaint trackingBHPH dealer-specific compliance considerationsGoogle review regulations and FTC enforcementWebsite copyright and licensing issuesAbout Steve Levine: Steve Levine is a compliance consultant with Ignite Consulting Partners, specializing in helping independent dealers stay compliant with ever-changing state and federal regulations.Resources: Contact Steve: info@ignitecp.com Website: igniteconsultingpartners.com Compliance Unleashed Conference - April (NABD United)Support the businesses that support the podcastBuckeye Risk ServicesReinsurance, tax planning, and long-term wealth strategies built specifically for independent dealers.https://theindependentdealer.com/buckeyeBlytzPayBuy Here Pay Here payment processing with fast funding, text-to-pay, and real dealer-focused support.https://theindependentdealer.com/blytzpayIturan GPSGPS and payment technology for BHPH and retail dealerships focused on asset protection, recovery tools, and customer management.https://theindependentdealer.com/ituranFollow & Connect Website: www.theindependentdealer.com Email: info@independentdealer.com Facebook Group: @independentautogroup Luke Godwin: @lukegodwin Jeff Watson: /sendtojeffwLike, subscribe, and share this episode with another dealer who needs a fresh perspective.

Alicia and Dan wrap up their three-part tour through the Intuit Connect Innovation Circle, covering everything from Intuit Enterprise Suite's construction-focused upgrades to MailChimp's QuickBooks integration and enhanced bill pay workflows. They discuss AI-powered project management tools, approval workflows that go seven layers deep, and how Credit Karma is now offering lending services directly within QuickBooks—plus why some features mentioned three months ago may have already launched (or been shelved entirely).SponsorsUNC - https://uqb.promo/unc(00:00) - Introduction and Hosts' Banter (00:45) - Intuit Connect Experience (01:37) - Intuit Enterprise Suite for Construction (03:24) - New Features in Intuit Enterprise Suite (08:04) - Challenges and Solutions in Intuit Enterprise Suite (15:12) - MailChimp Integration with QuickBooks (24:57) - Customer Hub Overview (29:19) - Exploring New Features in Online Bill Pay (30:18) - AI and Machine Learning in Bill Processing (33:46) - Bill Payment Speeds and Security Measures (37:20) - Accountant Tools and Client Management (41:03) - Recurring Invoices and Customer Dashboards (42:28) - Lending Options and Financial Products (47:09) - Upcoming Courses and Collaborations LINKSCustomer Hubba-Hubba (our episode about the new Customer Hub: www.uqb.show/107Alicia's current classes: 1099s in QBO: http://royl.ws/QBO1099?affiliate=5393907, recording with CPEQBO Year-end Cleanup for Taxes: http://royl.ws/yearend?affiliate=5393907, recording with CPEProjects & Job Costing in QBO: http://royl.ws/ProjectCenter?affiliate=5393907, recording with CPESales Tax in QBO: http://royl.ws/SalesTax?affiliate=5393907, recording with CPEPayroll Perfection Bundles (4 QBO Payroll classes - 1099s, Running Payroll, Compliance, and QB Time), Live Feb 3-10: http://royl.ws/payroll-perfection?affiliate=5393907  Dan's LinksSchoolofbookkeeping YouTube: https://snip.ly/SOBYT Free Live Workshop Wednesdays: https://www.schoolofbookkeeping.com/workshop-wednesdayWe want to hear from you!Send your questions and comments to us at unofficialquickbookspodcast@gmail.com.Join our LinkedIn community at https://www.linkedin.com/groups/14630719/Visit our YouTube Channel at https://www.youtube.com/@UnofficialQuickBooksPodcast?sub_confirmation=1 Sign up to Earmark to earn free CPE for listening to this podcasthttps://www.earmark.app/onboarding 

SummaryThe 2026 Compliance Roundtable discusses critical issues in healthcare compliance, focusing on prior authorizations, telehealth, clinical laboratories, and incident two billing provisions. Experts (Joe Rivet, Terry Fletcher, Scott Kraft, Stephanie Allard, Jordan Johnson, and David Duhaime) share insights on the challenges faced by providers, the impact of legislation, and the evolving landscape of healthcare regulations. The conversation highlights the need for reform and the importance of understanding the complexities of compliance in the healthcare industry.TakeawaysPrior authorizations serve as a gatekeeper to control healthcare costs.The burden of prior authorizations can create barriers to timely care.Congress is considering reforms to the prior authorization process.Medicare Advantage plans often complicate access to care compared to traditional Medicare.Virtual supervision has changed the definition of direct supervision in healthcare.Incident two billing provisions pose significant compliance risks for providers.The error rate in incident two billing is alarmingly high.PAMA cuts to laboratory services could negatively impact patient care.AI in healthcare presents risks related to patient information security.The importance of understanding the nuances of healthcare regulations is critical for compliance.

The episode focuses on current security risks and limitations in industry intelligence, highlighting that CISA's Known Exploited Vulnerabilities (KEV) catalog often lags by years in tagging vulnerabilities exploited by ransomware. One cited vulnerability sat in the catalog for 1,353 days before being flagged as ransomware-exploited, illustrating a significant delay in actionable intelligence. This gap raises concerns for MSPs whose patching priorities rely on outdated catalogs, potentially leading to a misalignment between compliance activities and actual threat vectors.Supporting this, Dave Sobel underscores how evolving threat models frequently bypass traditional vulnerability management. The recent compromise of OpenClaw's skills marketplace, with a 12% malicious rate in submitted skills and basic post-facto reporting mechanisms, demonstrates that credential theft and malicious automation now present risks outside standard patch management. The core operational challenge for MSPs is not just software vulnerability but the governance of AI-enabled tools and uncontrolled marketplaces that can expose clients to breaches.Further contextualizing risk and automation, vendor launches include Lexful's AI-native documentation for MSPs and Cavelo Flash's agentless assessment tool. These offerings promise streamlined documentation and rapid risk assessment, but Dave Sobel notes their reliance on beta features, integration dependencies, and non-definitive compliance positions. Additionally, DocuSign's release of AI-generated contract summaries raises questions about liability, as inaccurate summaries can mislead signers, and responsibility defaults to the end user rather than the vendor.The primary implication for MSPs and technology leaders is the need to inventory all AI-powered tools with access to client environments, actively govern marketplace adoption, and critically evaluate automation claims. Compliance-focused patching is no longer sufficient; operational oversight must prioritize credential management and identity governance over checklist-based approaches. Caution is advised before rapid migration to beta solutions or locking into long-term contracts, as both reduce flexibility and increase exposure to emerging, non-traditional attack surfaces.Three things to know today00:00 CISA's Ransomware Tags Arrive Years Late While AI Tools Steal Credentials Now05:53 IT Glue Founder Launches AI Documentation Platform Lexful for MSPs at Right of Boom09:52 Cavelo and DocuSign Launch AI Tools That Automate Assessments and Contract ReviewsThis is the Business of Tech.   Supported by: Small Biz Thoughts Community

Today is a milestone.  It is episode 300, and marks 100 episodes since Hemma joined Lisa as a co-host and Ellen and Sarah made us what we call “Team GWIC.”  To recognize this, we go together to recognize some of the individuals and values that define our profession. We highlight some of the amazing people who have supported us and the profession, including culture carriers, change agents, mentors, Great Gentlemen in Compliance, and collaborators and supporters. We also wanted to recognize some true MVPs – those who have stood up at personal and professional risk to strengthen integrity, support whistleblowers, and push the profession forward. It also shines a light on the often-unspoken challenges of ethical decision-making and the consequences that may come from speaking out, including well-being and professional isolation.  Their work and stories reaffirm the reasons we do what we do and why we are committed to the mission. We should have an award for the entire GWIC community for your support and for sticking with us.  We are excited for what comes next, including new branding, materials, and exciting content.

This is a short but necessary episode. Recorded in the middle of the Tucson Gem Show chaos, Morgan shows up anyway to speak to the heaviness so many witches are feeling right now. With everything happening in the world, especially in the United States, this episode isn't polished or planned. It's honest. It's grounded. And it's coming straight from the heart. Morgan talks about why staying silent doesn't feel neutral anymore, especially for witches who have historically stood with the silenced, the oppressed, and the erased. She shares why she's been focusing on grounding, creating safety at home, and tending to her own energy while still refusing to look away from the loss of human life and the gaslighting happening in real time. This episode is a reminder that self-care and speaking up are not opposites. That protecting your nervous system matters. And that even quiet acts, like grounding, donating, spellwork, or sharing resources, still ripple out into the collective. Topics covered include: Why "silence is compliance" hit hard and changed her perspective The overlap between politics and human lives, and why that line matters Grounding practices for witches during overwhelming times Protecting your energy without disconnecting from your values Magick as support, not bypassing Why it's okay to rest, step back, or turn off the noise when needed This episode isn't here to tell you what to do. It's here to remind you that however you're processing right now, you're not wrong, and you're not alone. There's no Patreon bonus content for this week, but members still have access to all paid Patreon bonus content with their paid Patreon support. Join Morgan on her Patreon for exclusive bonus content. Visit https://patreon.com/inkedgoddesscreations for more details.    Consider joining Morgan's Inked Spirit Coven to deepen your magickal practice and connect with a supportive community. For more information, head to https://inkedspirit.com.   For unique witchy supplies and tips, a monthly Witchcraft subscription box, and more, head to https://www.InkedGoddessCreations.com. 

Operation Technology (OT) and Industrial Control Systems (ICS) are where the digital world meets the physical world. These systems, which are critical to the operation of nuclear power plants, manufacturing sites, municipal power and water plants, and more, are under increasing attack. On today’s Packet Protector we return to the OT/ICS realm to talk about... Read more »

Operation Technology (OT) and Industrial Control Systems (ICS) are where the digital world meets the physical world. These systems, which are critical to the operation of nuclear power plants, manufacturing sites, municipal power and water plants, and more, are under increasing attack. On today’s Packet Protector we return to the OT/ICS realm to talk about... Read more »

Most practice owners think valuation starts with revenue and EBITDA. But when buyers step in, they look somewhere else first — risk. And more often than not, compliance is the silent deal-killer owners never see coming.In this episode of the Private Practice Owners Club, host Adam Robin sits down with Daniel Hirsch, compliance and risk analytics expert, to unpack what buyers actually evaluate before they write a check — and why strong compliance can increase leverage, speed up deals, and protect your exit value.Daniel breaks down why compliance isn't about being “perfect,” avoiding audits, or living in fear — it's about control, predictability, and trust. When compliance is weak or unclear, buyers don't just lower the price — they change the entire deal structure… or walk away altogether.Together, they dig into:Why buyers assess risk before growth — and how compliance sets the baselineHow compliance issues can stop a deal before financials even matterWhy two practices with identical EBITDA can receive very different valuationsHow weak compliance triggers deeper diligence, longer timelines, and higher deal costsThe real impact of compliance on deal terms: cash vs. escrow, earnouts, reps & warrantiesWhat buyers look for beyond policies — and how they test real-world executionCommon red flags: documentation gaps, supervision issues, credentialing, and unlicensed staffWhy “unknown risk” scares buyers more than managed riskWhen to start preparing (hint: don't wait until you're ready to sell)How simple, practical compliance systems can be integrated into daily operationsWhy compliance should add value, not just create overheadIf you're a practice owner thinking about selling in the next five years — or even just building a business that's truly durable — this conversation will change how you think about compliance, valuation, and leverage.

Today's Headlines: The federal government is currently shut down after Congress failed to pass a spending bill by Friday's deadline, though Speaker Mike Johnson claims the shutdown could end as soon as tomorrow. Even so, the funding lapse barely registered amid a flood of other major news. On Friday morning, journalists Don Lemon and Georgia Fort were arrested following their coverage of an anti-ICE protest at a Minneapolis church, despite both repeatedly stating they were there in a journalistic capacity — a development that raised serious press freedom concerns. Around the same time, federal records identified the two immigration agents involved in the fatal shooting of Alex Pretti in Minneapolis, adding more scrutiny to ICE and CBP operations. There was at least one rare piece of good news: 5-year-old Liam Conejo Ramos and his father were released from an immigration detention center in Texas and returned home to Minneapolis after a judge ordered their release. That decision stood in stark contrast to reports that ICE allowed a suspect in the $100 million Brinks jewelry heist to be deported while continuing to detain families with young children. Elsewhere, the DOJ released more than 3.5 million pages of heavily redacted Epstein files, signaling that no new indictments are expected. President Trump also sued the IRS for $10 billion over leaked tax returns, promoted new Trump-branded savings accounts for children, announced plans to shut down the Kennedy Center for two years, and capped off the week as Democrats scored a surprise victory in a deep-red Texas state Senate district. Resources/Articles mentioned in this episode: Axios: Johnson predicts end by Tuesday to partial shutdown as Dems fight DHS funding NYT: Don Lemon Released Without Bond Over Minnesota Protest Charge ProPublica: Two CBP Agents Identified in Alex Pretti Shooting People: 5-Year-Old Boy Released from ICE Detention Center After Almost 2 Weeks, Boards Plane Home to Minneapolis with His Dad The Guardian: Prosecutors stunned as ICE lets suspect in $100m jewelry heist leave US | ICE (US Immigration and Customs Enforcement) DOJ: Department of Justice Publishes 3.5 Million Responsive Pages in Compliance with the Epstein Files Transparency Act NYT: Trump's Lawsuit Against I.R.S. Creates ‘Enormous Conflict of Interest' - The New York Times CNBC: No need to wait for Trump accounts—you can open a 529 college savings plan now Bloomberg: Trump Says He'll Close Kennedy Center for Two Years in July The Hill: Democrats flip Texas state Senate seat in shock upset Morning Announcements is produced by Sami Sage and edited by Grace Hernandez-Johnson Learn more about your ad choices. Visit megaphone.fm/adchoices

We challenge the surge of rhetoric that urges citizens to confront federal officers, and we break down what the law actually says about ICE authority, warrants, and jurisdiction. Former Federal Prosecutor Reeve Swainston shares a prosecutor's view on compliance, deterrence, and how political theater can put people at risk.• ICE administrative warrants and Title 8 powers• Supremacy clause and limits on local jurisdiction• Organized interference tactics and encrypted chats• Compliance versus resistance and courtroom remedies• FACE Act scope for religious worship sites• Private property rights in protests and ejections• Sanctuary policies shifting danger to the street• Rising police use of force and cultural messaging• Practical guidance to avoid tragic outcomesSign up for our emails at no doubtaboutit podcast.com. Like and subscribe on our YouTube channelWebsite: https://www.nodoubtaboutitpodcast.com/Twitter: @nodoubtpodcastFacebook: https://www.facebook.com/NoDoubtAboutItPod/Instagram: https://www.instagram.com/markronchettinm/?igshid=NTc4MTIwNjQ2YQ%3D%3D

Stewart Alsop interviews Tomas Yu, CEO and founder of Turn-On Financial Technologies, on this episode of the Crazy Wisdom Podcast. They explore how Yu's company is revolutionizing the closed-loop payment ecosystem by creating a universal float system that allows gift card credits to be used across multiple merchants rather than being locked to a single business like Starbucks. The conversation covers the complexities of fintech regulation, the differences between open and closed loop payment systems, and Yu's unique background that combines Korean martial arts discipline with Mexican polo culture. They also dive into Yu's passion for polo, discussing the intimate relationship between rider and horse, the sport's elitist tendencies in different regions, and his efforts to build polo communities from El Paso to New Mexico. Find Tomas on LinkedIn under Tommy (TJ) Alvarez.Timestamps00:00 Introduction to TurnOn Technologies02:45 Understanding Float and Its Implications05:45 Decentralized Gift Card System08:39 Navigating the FinTech Landscape11:19 The Role of Merchants and Consumers14:15 Challenges in the Gift Card Market17:26 The Future of Payment Systems23:12 Understanding Payment Systems: Stripe and POS26:47 Regulatory Landscape: KYC and AML in Payments27:55 The Impact of Economic Conditions on Financial Systems36:39 Transitioning from Industrial to Information Age Finance38:18 Curiosity and Resourcefulness in the Information Age45:09 Social Media and the Dynamics of Attention46:26 From Restaurant to Polo: A Journey of Mentorship49:50 The Thrill of Polo: Learning and Obsession54:53 Building a Team: Breaking Elitism in Polo01:00:29 The Unique Bond: Understanding the Horse-Rider Relationship01:05:21 Polo Horses: Choosing the Right Breed for the GameKey Insights1. Turn-On Technologies is revolutionizing payment systems through behavioral finance by creating a decentralized "float" system. Unlike traditional gift cards that lock customers into single merchants like Starbucks, Turn-On allows universal credit that works across their entire merchant ecosystem. This addresses the massive gift card market where companies like Starbucks hold billions in customer funds that can only be used at their locations.2. The financial industry operates on an exclusionary "closed loop" versus "open loop" system that creates significant friction and fees. Closed loop systems keep money within specific ecosystems without conversion to cash, while open loop systems allow cash withdrawal but trigger heavy regulation. Every transaction through traditional payment processors like Stripe can cost merchants 3-8% in fees, representing a massive burden on businesses.3. Point-of-sale systems function as the financial bloodstream and credit scoring mechanism for businesses. These systems track all card transactions and serve as the primary data source for merchant lending decisions. The gap between POS records and bank deposits reveals cash transactions that businesses may not be reporting, making POS data crucial for assessing business creditworthiness and loan risk.4. Traditional FinTech professionals often miss obvious opportunities due to ego and institutional thinking. Yu encountered resistance from established FinTech experts who initially dismissed his gift card-focused approach, despite the trillion-dollar market size. The financial industry's complexity is sometimes artificially maintained to exclude outsiders rather than serve genuine regulatory purposes.5. The information age is creating a fundamental divide between curious, resourceful individuals and those stuck in credentialist systems. With AI and LLMs amplifying human capability, people who ask the right questions and maintain curiosity will become exponentially more effective. Meanwhile, those relying on traditional credentials without underlying curiosity will fall further behind, creating unprecedented economic and social divergence.6. Polo serves as a powerful business metaphor and relationship-building tool that mirrors modern entrepreneurial challenges. Like mixed martial arts evolved from testing individual disciplines, business success now requires being competent across multiple areas rather than excelling in just one specialty. The sport also creates unique networking opportunities and teaches valuable lessons about partnership between human and animal.7. International financial systems reveal how governments use complexity and capital controls to maintain power over citizens. Yu's observations about Argentina's financial restrictions and the prevalence of cash economies in Latin America illustrate how regulatory complexity often serves political rather than protective purposes, creating opportunities for alternative financial systems that provide genuine value to users.

Hosts: Andy Shiles Lalo Solorzano Guest(s): Jack Moberger, Co-Founder, DocUnlock Ned Cartmell, Co-Founder, DocUnlock Sepehr Farzaneh, Co-Founder, DocUnlock Published: January 2026 Length: ~40 minutes Presented by: Global Training Center Episode Summary In this episode of Simply Trade, Andy and Lalo sit down with the founders of DocUnlock to explore one of the most painful realities in global trade: document chaos. From commercial invoices and packing lists to certificates, statements, and agency-specific requirements, trade compliance still lives in PDFs, emails, spreadsheets, and inboxes. Jack, Ned, and Sepehr break down how DocUnlock is using AI to extract, structure, validate, and operationalize trade documents — turning static paperwork into usable compliance data. The conversation dives into real-world brokerage and importer pain points, why “document accuracy” is no longer enough, and how automation is shifting expectations across customs, PGAs, and supply chain partners. This episode is a must-listen for anyone dealing with high-volume imports, broker workflows, or compliance teams stretched thin. Key Takeaways Trade compliance is still dominated by unstructured documents — and that's the bottleneck. AI can extract and normalize data without replacing trade expertise. Document automation reduces risk, speeds releases, and improves audit readiness. Brokers and importers benefit differently — but both win when documents are usable data. The future of compliance isn't fewer documents — it's smarter ones. What DocUnlock Is Solving Commercial invoices & packing lists Certificates & trade declarations Broker-importer document handoffs Audit readiness & data traceability Scaling compliance without scaling headcount Resources & Mentions DocUnlock – AI-powered trade document automation

Your company's goldmine? All those meetings and call recordings. It's the fuel that AI needs. But here's the big letdown: those call transcripts only pick up the words. Not what they mean. And the difference? Well…. That can make all the difference. But some new technology might change what's possible. Join us as we talk about it. AI Can Finally Hear What You Actually Mean. What this unlocks — An Everyday AI chat with Jordan Wilson and Modulate's Mike Pappas.Newsletter: Sign up for our free daily newsletterMore on this Episode: Episode PageJoin the discussion on LinkedIn: Thoughts on this? Join the convo on LinkedIn and connect with other AI leaders.Upcoming Episodes: Check out the upcoming Everyday AI Livestream lineupWebsite: YourEverydayAI.comEmail The Show: info@youreverydayai.comConnect with Jordan on LinkedInTopics Covered in This Episode:Modulate Velma Voice Native AI Model OverviewTone, Emotion, and Intent in Voice AIDifferentiating Text vs. True Voice UnderstandingReal-World Voice AI Use Cases in Fraud DetectionSynthetic Voice and Deepfake Detection TechniquesEnsemble Listening Model (ELM) Technology ExplainedVoice AI for Customer Service and SupportTrust, Compliance, and Observability in Voice AI AgentsCost and Scalability Challenges for Voice AIFuture Impact of Voice AI on Customer RelationshipsTimestamps:00:00 "Modulate: AI That Understands Tone"06:15 "AI Use Cases Beyond Gaming"07:13 "Detecting Abuse and Fraud"13:19 Dynamic Model Orchestration Innovation16:22 "Context-Aware AI for Conversations"17:44 "Voice AI Transforming Customer Service"22:49 AI Accountability and Compliance Challenges25:36 AI, Customers, and Brand Trust28:05 "Enhancing Communication Through AI"Keywords: Voice AI, voice native AI, voice understanding, tone detection AI, intent detection, emotional AI, prosody analysis, real-time fraud detection, synthetic voice detection, AI guardrails, deepfake detection, customer support AI, call analysis, Send Everyday AI and Jordan a text message. (We can't reply back unless you leave contact info) Human-Level Voice Intelligence, 100x Faster. Try Velma from Modulate today.  Human-Level Voice Intelligence, 100x Faster. Try Velma from Modulate today. 

In this episode, Jimmy sits down with CJ Morrow—licensed PT and health tech leader—to explore the evolving role of AI in rehab. From demystifying compliance to explaining how AI can become your new thought partner, this conversation is loaded with insights for any PT navigating the future of care.Topics Covered:– The 6 Types of Working Genius and team synergy– Why tech resistance is really about billing & complexity– Compliance isn't a roadblock—it's a swim lane– How PTs are training the future of AI– First step to using AI in your clinic this week– What the rise of automation really means for PTs

On today's episode of Caveat, we are joined by Matt Hillary, Chief Information Security Officer at Drata, discussing how AI is reshaping the compliance landscape and what it takes to build trust at AI speed. Ben has the story of Immigration and Customs Enforcement and their extensive use of modern surveillance tools. Dave discusses the Supreme Court's taking of a case involving Facebook tracking pixels and video store rentals. While this show covers legal topics, and Ben is a lawyer, the views expressed do not constitute legal advice. For official legal advice on any of the topics we cover, please contact your attorney.  Links to today's stories: ICE Is Going on a Surveillance Shopping Spree Supreme Court to hear Facebook pixel tracking case Get the weekly Caveat Briefing delivered to your inbox. Like what you heard? Be sure to check out and subscribe to our ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Caveat Briefing⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, a weekly newsletter available exclusively to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠N2K Pro⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ members on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠N2K CyberWire's⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ website. N2K Pro members receive our Thursday wrap-up covering the latest in privacy, policy, and research news, including incidents, techniques, compliance, trends, and more. This week's Caveat Briefing covers the EU launching an investigation of its own into X after the platform's AI chatbot, Grok, was able to be manipulated into generating non-consensual sexualized images. Alongside the EU's investigation, X is also facing pressures from the UK, France, Indonesia, and Malaysia over this incident. Curious about the details? Head over to the Caveat Briefing for the full scoop and additional compelling stories. Got a question you'd like us to answer on our show? You can send your audio file to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠caveat@thecyberwire.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Hope to hear from you. Learn more about your ad choices. Visit megaphone.fm/adchoices

Alicia walks through her systematic approach to year-end cleanup, explaining why many business owners' books contain errors that go unnoticed until tax time. She covers the most common trouble spots—from duplicate revenue in undeposited funds to improperly categorized transactions—and demonstrates how to use QuickBooks' built-in tools like the Reclassify feature and Report Options to fix problems at their source rather than just making adjusting journal entries. The episode emphasizes why proper cleanup matters: automations and banking feeds learn from past behavior, so correcting the underlying transactions prevents the same mistakes from recurring year after year.Sponsors(00:00) - Welcome to The Unofficial QuickBooks Accountants Podcast (00:25) - Year-End Cleanup for Tax Time (02:30) - Importance of Accurate Bookkeeping (04:32) - QuickBooks Tools for Cleanup (14:49) - Reconciling Accounts Properly (18:19) - Categorizing Transactions Correctly (20:51) - Adjusting Inventory and Equity (24:42) - Analyzing Reports for Anomalies (26:03) - Conclusion and Class Promotion Alicia's current classes: 1099s in QBO: http://royl.ws/QBO1099?affiliate=5393907, recording with CPEQBO Year-end Cleanup for Taxes: http://royl.ws/yearend?affiliate=5393907, recording with CPEProjects & Job Costing in QBO: http://royl.ws/ProjectCenter?affiliate=5393907, recording with CPESales Tax in QBO: http://royl.ws/SalesTax?affiliate=5393907, recording with CPEPayroll Perfection Bundles (4 QBO Payroll classes - 1099s, Running Payroll, Compliance, and QB Time), Live Feb 3-10: http://royl.ws/payroll-perfection?affiliate=5393907  We want to hear from you!Send your questions and comments to us at unofficialquickbookspodcast@gmail.com.Join our LinkedIn community at https://www.linkedin.com/groups/14630719/Visit our YouTube Channel at https://www.youtube.com/@UnofficialQuickBooksPodcast?sub_confirmation=1 Sign up to Earmark to earn free CPE for listening to this podcasthttps://www.earmark.app/onboarding 

In this episode of Data Driven, Frank and Andy dive into the future of market intelligence with Dr. Jill Axline, co-founder and CEO of Mavera—a company building synthetic populations that simulate real human behaviour, cognition, and emotion. Forget Personas. We're talking real-time, AI-driven behavioural modeling that's more predictive than your horoscope and considerably more data-backed.Dr. Axline shares how Mavera's swarm of AI models situates these synthetic humans within real-world business contexts to forecast decisions, measure emotional resonance, and even test marketing messages before they go live. From governance and model drift to the surprising uses in financial services, political campaigns, and speechwriting—this is one of the most forward-looking conversations we've had yet.If you've ever wanted a deeper understanding of how AI can augment decision-making—or just want to hear Frank admit asset managers love ice cream—this one's for you.LinksLearn more about Mavera:https://mavera.ioConnect with Jill Axline on LinkedIn:https://linkedin.com/in/jillaxlineMorningstar:https://www.morningstar.comTime Stamps00:00 - Introduction & AI Swarms Explained03:30 - Forget Personas: Contextual AI Models07:00 - Evidence vs Inference & AI Governance10:20 - Simulation Scenarios & Model Drift14:30 - Synthetic Audiences in Action18:00 - Evidence Feedback Loops & Small Data Challenges22:00 - Industry Applications & Use Cases27:00 - Analyzing Speeches & Emotional Resonance30:45 - Sentiment, Social Listening, and Real-Time News Reactions34:00 - Adversarial Models & Strategic Pushback38:00 - The Cartoon Bank Portal That Failed Spectacularly41:00 - From Skeptic to CEO: Jill's Journey45:00 - Data Privacy, Compliance & Synthetic Ethics48:00 - Reflections on Empathy, Engineers, and Selling Without SellingSupport the ShowIf you enjoy Data Driven, leave us a review on Apple Podcasts or your favourite pod platform. It helps more people find the show—and fuels Frank's Monster Energy habit.

Listen in to our guest Sabrina Segal the winner of the Risky Women Write competition and a globe-trotting risk management expert. With over 20 years of experience as a licensed attorney and Certified Fraud Examiner, Sabrina's career spans multiple countries and sectors, including humanitarian work and compliance. Currently rocking it from Rwanda, she's shaking up traditional practices, even penning an obituary for the outdated risk matrix. Get ready for insights, laughs, and Sabrina's innovative takes on the world of risk! SHOW NOTES 01:43 The Risk Collaborative: Transforming Nonprofit Risk Management 04:31 Sabrina's Global Career Path in Risk and Compliance 09:11 Objective-Centered Risk Management: A Game Changer 20:00 Using Humor to Demystify Risk Management 36:27 Critiquing the Risk Matrix and Three Lines of Defense Transcript and more: https://www.riskywomen.org/2026/01/podcast-s9e2-obituary-for-the-risk-matrix-with-sabrina-segal/

Send us a textA hot take roared across X: “HR is useless—fire 90% and business will run happier.” We lean into the controversy and pull it apart with real stories, practical examples, and a clear look at where HR earns its seat. From ADA moments that avoid lawsuits to manager coaching that prevents blowups, we show how accountability—not buzzwords—separates meaningful work from noise.First, we swap winter war stories and a few travel mishaps, then pivot to a candid breakdown of a truly awful presentation and the simple fixes that make complex information land: fewer codes, more context, cleaner slides, and clear narrative. That sets the stage for the debate that follows. We explore why the anti-HR sentiment resonates for some employees, how corporate language can block trust, and why AI won't replace HR but will reveal which teams do real leadership. Compliance is not a punchline; it's the baseline. Risk management is not fear; it's care with foresight.We get specific. Need a special chair for back pain? Handle it fast, document it, and move on—protecting the company while treating the person with respect. We talk through the less visible wins: Secure 2.0 changes, ACA and ADA realities, and the slow, unglamorous work of turning laws into payroll and process that actually function. Then we spotlight a growing threat to candidates: recruiter impersonation scams that exploit hope and urgency. You'll get crisp verification steps to stay safe, plus a reminder to trust your gut when something feels off.We wrap with community shout-outs and a simple invite to text us from the show notes. If you care about real HR, better leadership, and cutting through rage bait with practical, human solutions, this one's for you. Subscribe, share with a manager who needs it, and leave a quick review to help others find the show.Support the showWe want to hear from you.Text us or leave a voicemail (252) 564-9899‬email: feedback@jadedhr.comWant to:* Share a dumb employee question* Share a crazy story* Ask us a question* Share a best practice * Give us feedback Our Link Tree below has links to our social media sites, Patreon, Apple podcasts, Spotify & more.Please leave a review on your favorite podcast player and interact with us online!Linktree - https://linktr.ee/jadedhrFollow Cee Cee on IG - BoozyHR @ https://www.instagram.com/boozy_hr/

Is critical thinking becoming a lost skill in the age of AI?In Episode 352 of My EdTech Life, Dr. Alfonso Mendoza sits down with Melissa Morgan, Founder of Coraltalk , to explore why conversation, not content consumption, is the key to real learning.This episode dives deep into why oral assessment, dialogue-based learning, and conversational AI may be the most effective way to combat AI-assisted cheating while actually improving student understanding. Melissa shares the origin story of Coraltalk , inspired by teaching Buddhist monks through dialogue, and explains how speaking out loud strengthens retention, metacognition, and critical thinking.Chapters0:00 Welcome And Guest Introduction1:45 Melissa's Path To Edtech3:42 Dialogue Over Monologue Insight6:51 Coraltalk  Mission And Approach10:25 Combating AI Cheating With Orals13:22 Teacher Setup And Voice Options15:45 Student Growth And Learning Artifacts18:42 Assessment Modes And Adaptive Difficulty22:37 Classroom Feedback Loops And Data25:47 Practice, VR Potential, And Efficacy28:47 Stats On Retention And Critical Thinking31:02 Teacher Sentiment And Adoption33:52 Privacy, Compliance, And Trust36:37 Efficiency Gains And Small-Group Teaching39:57 Misconceptions: AI Replacing Teachers42:29 Human Connection And Lasting Impact44:39 Lightning Round: Kryptonite, Billboard, Swap47:44 Closing, Thanks And ResourcesSponsor ShoutoutThank you to our sponsors: Book Creator, Eduaide.AI, and Peel Back Education for supporting My EdTech Life.Get 3 Months of Book Creator Premium Access Free! Use Code: MyEdTechLifeStay Techie ✌️Peel Back Education exists to uncover, share, and amplify powerful, authentic stories from inside classrooms and beyond, helping educators, learners, and the wider community connect meaningfully with the people and ideas shaping education today. Authentic engagement, inclusion, and learning across the curriculum for ALL your students. Teachers love Book Creator.Support the show

Setting up an IC-DISC the right way can mean the difference between maximizing tax savings and having issues down the road. In this episode of The IC-DISC Show, I sit down with Brian Schwam, IC-DISC specialist and tax attorney, to walk through the complete IC-DISC setup and compliance process from start to finish. This conversation was inspired by a CPA request for a comprehensive guide covering every step of the IC-DISC journey. Brian breaks down the entire process chronologically, from the initial consultation to determine if a business qualifies, through the critical formation steps that can make or break your IC-DISC. We cover proper capitalization requirements, the infamous 90-day election window, why non-interest bearing bank accounts matter, and the draconian 60-day payment rule that catches many businesses off guard. He explains the difference between simple and transaction-by-transaction calculations, sharing an example where detailed analysis increased a client's commission from $4 million to $17 million on $100 million in export sales. Whether you're a CPA learning about IC-DISC for the first time or a business owner considering this strategy, Brian's systematic approach demonstrates why working with a true specialist matters when navigating these complex regulations.     SHOW HIGHLIGHTS A detailed transaction-by-transaction calculation increased one client's IC-DISC commission from $4 million to $17 million on the same $100 million in export sales. Missing the 90-day election filing window requires a private letter ruling costing $35,000-$40,000 to fix, making it cheaper to just set up a new IC-DISC. The 60-day payment rule requires paying at least 50% of your estimated commission in cash or promissory note within 60 days of year-end to avoid disqualification. Setting up an IC-DISC with no par value stock is a fatal error that will cause the IRS to reject your election, regardless of everything else done correctly. A non-interest bearing bank account is essential because even $1.50 of interest income can disqualify your IC-DISC if no commission is paid that year. Export sales typically need to reach $3-5 million before an IC-DISC makes economic sense, though exceptions exist for businesses with exceptionally high profit margins.   Contact Details LinkedIn - Brian Schwam LINKSShow Notes Be a Guest About IC-DISC Alliance Brian SchwamAbout Brian TRANSCRIPT (AI transcript provided as supporting material and may contain errors) Dave: Good morning, Brian. Welcome to the podcast. Brian Hey, good morning David. Good to be here. Dave: So I, I now refer to you as the Bob Hope of the podcast because I believe that Bob Hope holds the record for the most appearances on the Johnny Carson Show. So that's why you're like the Bob Hope of the podcast. You have more appearances than anyone else with today's appearance. Brian That's good company to be in if you're of a certain, if you're of a certain age. Dave: Yeah. And I'm not even sure you and I are quite old enough to even be of that certain age. Brian I probably never saw him on Johnny Carson. Dave: Yeah, me too. So this is an episode that was requested by a CPA of one of our clients who was retiring and he had a new. Partner taken over and he said, Hey Dave, can you send over a link to the episode that just goes through all the details of the IC disc from start to finish? And I'm like, well, we don't have that episode, but it's a great idea. So that's what's behind this. So let's start at the very beginning. Somebody calls you up and says, Hey Brian, I need an IC disc, or I want an IC disc. What's the very first step? Brian Very first step for me is to say why. Dave: Okay, Brian tell me about your business. Dave: Okay. Brian You know, do you have qualified export receipts? Do you have qualified export property? That those are very complex areas. And some people might think they do when they don't, and others might think they don't when they do. Dave: Okay. Brian And more likely than not, they heard about IC disc from. Somebody they met at a, you know, business leader meeting or something and somebody said, oh, hey, I have an IC disc. You should have one. Dave: Okay. Brian And not everybody can utilize one, but there's many out there that can utilize 'em that do not. Dave: Okay. And do you charge anything for that consultation? Brian No, because to me it's just a fact finding. Dave: Okay. So step one, figure out if their fact pattern warrants having an IC disc. Brian Right? Right. Well, it's, it's actually, that's one step. If you deter, if we determine that yes, an IC disc makes sense because they do have qualified export property, they do have qualified export receipts, then we have to talk about volumes. Because, you know, if you have 500,000 of export sales, most like more likely than not. Disc isn't gonna make sense. Dave: Economic sense when Brian you factor Right. Economic, the Dave: costs Brian not right. There's not enough benefit to offset the cost at that, at that level, most likely. Of course. It [depends on what, what it is they're selling. Dave: Sure. Do you have a rule of thumb you typically use? Is it like three or 5 million where it typically makes sense or every case Brian For most, for most businesses, that's sort of the range that where it starts to make sense, but there are always exceptions to that. Dave: Sure. Brian So like I had a client that had, you know, 600,000 of export sales, but their bottom line profit was 80%. Dave: Okay. Brian So in that instance, hey, it made sense, but for most companies that have 600,000 of export sales, it, it probably doesn't make sense. Dave: Okay. So let's say they have 5 million of exports, good margins, looks like it makes economic sense. What's the next step then? Brian Well then we talk about what is the tax structure of that exporting company? Is it a flow through entity? Is it a C Corp? And how is it owned? Sometimes [00:04:00] it's owned by a foreign company that makes things way more complicated. Okay. It's owned by a combination of different shareholders, some of which are individuals, some of which are corporations. So that can be complicated. And sometimes it's just a, it's just a pass through entity that's owned by, you know, let's say it's an S corporation that's owned by a family owned. Dave: Sure. Brian You know, so you, you can have a lot of different fact patterns and that will dictate a lot of things with, with respect. Dave: Okay. Brian To how the disc is organized. Dave: Might that also be the time? You inquire as to whether multiple discs might make sense for their structure, or do you typically just focus on kind of getting the initial disc in place and then exploring that over time? Brian Probably the latter. Dave: Yeah. Brian Initially I, you know, the goal is, you know, do you have enough activity? Do you have the right kind of activity? What kind of benefit is it that you think you can, we can get for you? And then, okay, if the answer to all those are in the positive, then it's like, okay, how should this disc be owned based on what we're trying to achieve and where should it be set up? Because that also can have a lot of negative surprises if you set it up in the wrong place. Dave: Yeah. So let's say and I think there's some rules of thumb like if if the. Exporting company is a C corp, you typically don't want the C Corp to own the disc, is that correct? Brian That is, that is correct. And that's because a C corporation pays tax on a dividend. It receives from the IC dis, so effectively there's no benefit. Dave: Okay. So with a C corp, typically it would be the individuals, individual or [individuals that Brian are Oh, the, the shareholders typically, Dave: yeah. Brian You know, possibly a management group could be involved as well, but typically we're talking about the shareholders of the C corporation. Dave: Yeah. And the shareholders of the disc do not necessarily have to mirror the shareholders of the C corp. Right. Brian That is sort of up in the air. I, I prefer that to be the case, but it doesn't have to be the case. Dave: Yeah, like in a simple example, census C Corp owned by one person and when they set it up, they wanna add a couple key employees to it. Brian Yeah. That, that, that's probably fine. You know, there's some old revenue rulings out there from the early 1980s that have a bad fact pattern, which the IRS held that the structure created gift tax issues, but that was like a mom and a dad and a son and a daughter, and mom and dad set up a disc and then gave the stock to the son and the daughter. And, and so that, that's, I see that's a bad fact pattern. What you described is a completely different fact pattern. There's no donative intent in that fact Dave: pattern. Yeah. Okay. In Brian fact, that I have a client that started out where the disc and the C Corp was. It did have mirror ownership, but over time, that has changed dramatically. But still, there's no donor of intent because we have all these unrelated families that own shares in the company in this quote company. And when there have been redemption opportunities over the years, they have the choice redeemed, the disc shares redeemed. The, the C corp shares redeemed them both. So some of like kept their dis shares, but gotten rid of the C Corp shares and vice versa. But really without the donative intent, plus some court case you know, precedent, I, I'm not [00:08:00] so concerned about that issue. Dave: Okay. Now let's switch gears and let's say it's a flow through an S-Corp partnership et cetera. Do you typically want the individuals to own it in that situation? Say that the company has three shareholders, would you just make them the three owners of the disc? More often than not, no. Okay. And why is that? Brian Because it, you get the same benefit by making the disc a subsidiary of the S corporation without some of the extra complexity associated with having the disc be owned by the shareholders. Now that, that's, that's preferred, but there are also situations where that doesn't make sense. Dave: Okay. Brian So let's say the, the S corporation is in California and the shareholder lives in Texas, or Florida. Or Nevada. Dave: Okay. Brian So they might want that dividend income flowing directly to them so that there's [00:09:00] no state Oh. So that there's no state income tax on the dividend. Dave: Sure, sure. Brian Okay. Okay. Yeah. So again, it's just another fact you need to uncover in the process of trying to figure all this out. Dave: Okay, so you've met with the client, you've figured out a disc makes sense, you've dug further you figured out the ownership structure of the disc. That makes sense. So then I guess you have to figure out where to incorporate, huh? Brian Yeah. And that again, there are good states and bad states. Dave: Okay. Brian Some states will tax an IC dis as a regular C corporation, you wanna avoid those states. Some states don't have an income tax at all, and those are good states to deal with. Dave: Okay. Brian And the three, you know, I'd say there's three states that are predominantly viewed as positive, and that would be Delaware, Texas, and Nevada. Okay. They're all fairly similar. For filing. And, and none of them have a corporate income tax on the dis so that's, that's all good in terms of not adding additional costs to the, the structure. Dave: Okay. So I'm in Texas and thus you, it seems like most of my clients end up incorporating in Texas. Do you just so here we are January 8th. We're recording this of 2026. So do you just do you just get around to doing it anytime before the end of the year and then you could use the disc the whole year? Is that how it works? Brian It's not how it works. It's generally a prospective opportunity. So you wanna get that entity formed as quickly as possible. Dave: Okay. Yeah. I've had people, I've heard [00:11:00] people say that if you don't do it on January 1st, you just have to wait till the next year. Brian No. That, well, that's certainly not true. And from any date forward that you set it up, you can certainly get benefits or shipments. Okay. That they, but one other item that I forgot to mention earlier, they also like to ask if the, if the related supplier entity, which is the exporter, if they're an accrual based company or a cash basis, Dave: ah, Brian that's an, that's an incredibly important issue Dave: Sure. Brian Dealt with. That's why. Dave: Okay. Brian Because the disc is an accrual base taxpayer by default. Dave: Yeah. Okay, we'll get into that when we get further around the, Brian okay. Dave: I think about when I was a kid, there was a, there was a Saturday morning TV series I think called schoolhouse Rock. And one of the episodes was how, how a bill becomes a Law [00:12:00] And there's the whole steps, the Brian episode, everybody remembers. Dave: Yep. Yep. So everybody our age at least. Okay, so you've got the disc set up and say you do it in Texas and let's say they make the decision January 8th, takes a few days to, you know, just kind of get stuff, you know, information from the client set up. And let's say you get it set up January 15th, so then they're good to go, huh? They can just start using that disc and away we go. Anything else? Ha. That has to be done Or is it, is it that some Brian on the, on the surface, yes, that's true. Dave: Okay. Brian But beneath the surface, there's other things that have to take place. Dave: Okay. What's the next thing that has to happen after you've formed the disc? Brian Well, you have a, there's a 90 day window to file a disc collection with the IRS. That's probably the most critical thing that has to happen. You have to file an actual paper form with the IRS to elect disc status for the company, because the company, when you set it up, it's just a corporation. Without that election, it's not a disc. Dave: And that election, is this the famous form 48, 76 dash a, is that said election, Brian famous or infamous in some cases, Dave: yes. Yeah. Okay. So you have to, so you just well, you just go to the IRS website. Download the form, send it in, bing, bam. Boom. You're done. You're good to go. Brian Not exactly. Dave: Okay. That's the Brian first Dave: step. Brian Skip. That's the first step. But the I mean, first of all, when you're setting up the disc, you have to make sure you incorporate it properly. Dave: Okay. Brian I kind of glossed over that. Dave: And what are some of the elements of proper incorporation? Brian Well, for example, when you go to a, the Texas website or any other secretary of State website to organize the company, because it can be done all online, [00:14:00] like the default is always, you know, no par value stock, right. Brian If you just select the default, you are going to have a problem because Okay. Dis rules require, you know, par or stated value of $2,500 on the, issued an issued an outstanding stock of, of the disk. So I had a client that came to me years ago. They had set up a company in, well, they used Wyoming, which is also possible to use, and it's not a bad jurisdiction. And they had, he had his quote unquote friend that who was an attorney, set it up for him. And there were some issues with the DISC collection and it went back and forth and then ultimately took a look at the articles of incorporation and it had, you know, $1 power stock, 1000 shares. Dave: Ah, that's a problem. Brian That's, [00:15:00] yeah. So no matter what happened with the disc election and the back and forth with the IRS, the disc election was ultimately never approved because the entity didn't meet the requirement. Having enough outstanding capital stock. So you have to have one and it can only have one class of shares. So there are, you know, there are some hoops you have to jump through in terms of not doing things incorrectly or doing things correctly. So you have to make sure there's one class of stock, $2,500 par value. There can't be foreign sales corporation in the same patrol group, which years ago was a big deal, but now it's not really a big deal because those have been gone for many years and almost nobody has one left. Not, not really an issue there. And what, you know, those are the formation matters that, that mattered, that are important to make sure you, you meet when you form the entity. Okay? If it's formed wrong, right from the get go, you have a problem. If [00:16:00] it's formed correctly, then the next step is yes, file a disc election. Dave: And, but before you file the disc election, there's a step we're missing, right? Doesn't the DISC election require. To put the corresponding EIN for the distance. Oh yes. I mean, I just assumed we, yeah, you obviously you have to apply for an ID number for the new entity that does not come automatically with the incorporation. Brian 'cause that's done with the state as opposed with the IRS yes. Dave: Yeah. And that's become more challenging. It used to be pretty easy to get an EIN you could apply under a corporate name or Brian yeah. But there, there's a, you know, there is an online portal with the IRS to get an EIN for a domestic company. So it's not, it's not Dave: terrible. Yeah. Brian It's not terrible. Dave: Yeah. So you have the EIN that you need for the 48 76 ae. Brian Right. Dave: You have you have 90 days, Brian you have the proper capitalization. Dave: Yeah. Brian You figured out who's gonna own the disc because the, the disc collection is. Signed, you know, it's not just made by the disc entity. It's made by the disc entity, then consented to by the shareholder. So you have to make sure that all that takes place. I can't tell you the number of times where somebody filled out part one, the disc signed it, and then the shareholder forgot the consent to it. And if you don't do the 48 76 dash eight correctly, you get it filed timely. It's an extremely expensive fix to try and get that Dave: rectified. Brian Generally, you have to try to get a private letter ruling, which will grant an extension of time to file the late disc collection. Dave: Okay. Brian And that's that's an expensive process. It's a 25 to $30,000 exercise to [00:18:00] file the private letter, really. Plus you have to pay a user fee to the IRS of 10,000, 11,000. Dave: Wow. Yeah. It seems that seems inconvenient at, at best. Brian And for most companies, they're better off just setting up a second dose Dave: Sure. Brian As opposed Dave: to process, Brian because how much volume there is. Dave: Yeah. Yeah. And I understand the IRS itself refers to these as a, a paper entity. So I guess since it's a paper entity, that's it. No need to fuss around with a bank account or actually have to capitalize it with actual money is there. Brian It's, it's recommended, but you're right, it's not required. There's no requirement in the disk rules to set up a bank account. Dave: Okay. Brian So there it could simply have. A receivable receiv for the capital stock. And that can be, its working capital doesn't have to have a bank account, but that's sort of a misnomer that people think it must have a bank account. Okay. In the original regulations, that was a requirement, but when the regulations are finalized, the requirement was removed. Dave: Okay. But practically speaking, it you probably wanna have a bank account. Brian Yes. Practically speaking, it makes all the sense in the world to have a bank account, a non-interest bearing bank account. Dave: And why is the non-interest bearing important? Brian Well, it, it has to do with one of the annual requirements of a disc. That 95% of its receipts have to be qualified export assets. I'm sorry, receipts. And so let's say in a year the company decides. You can't always decide not to use the DIS even though you've got it in place. So let's say the company says, well we're not gonna use the, this year we had a loss. In our business there's no using. Dave: Okay. Brian We say, okay, and then the DIS bank account earned a dollar 50 of interest income. Dave: Okay, Brian well 100% of the receipts are now not qualified receipts. Okay. Income and no other revenue. If there was a non-interest bearing bank account, it would just have no receipts and then it would be fine. But the earning, the dollar 50 of interest would disqualify that. Dave: Okay. So non-interest bearing account and then I guess the dollar amount in the bank account, what you start with, $2,500 initially. Brian Yeah, pretty much keep it there forever. Dave: But, but it doesn't matter if you end up, oh, if you're a little lazy and you forget to distribute all the money and you end up with 50 grand at the end of the year, that, that's not a problem, is it? Brian It is. Dave: It is. Everything's a problem Brian with you, Brian, because everything, 'cause the, these rules are draconian and everything can become a problem. So a commission dis anyway, a comm, [00:21:00] you know, a paper entity commission dis doesn't need $50,000 of working capital. And the IRS would hold that, that that's not a qualified export out. Like having too much working capital in DIS will cause it to fail. The other test, which is the 95 qualified export asset test 2,500, you know, an amount of cash equal to the capital stock is fine. Dave: Sure. Brian Amounts above that start to, you know, raise questions as to whether. That's reasonable working capital or not? Given that the entity's a paper entity, it doesn't really have any expenses. Maybe some bank fees. That would be about it. In most cases, it really doesn't need cash sitting. Dave: Yeah. Yeah. So maybe 3000, 3,500 to account for some bank fees or, Brian yeah, at most, yeah, we start getting about 5,000. It really starts to [00:22:00] look questionable. Dave: Okay. Oh, I just realized, I think in the initial assessment there was a step we forgot and that's, do they want to make it a buy sell disc or a commission disc? What percentage of your clients are commission discs? Mine a hundred percent. That's Brian 99%. Dave: Yeah. So we're just stepping ahead assuming that it would be a commission disc, Brian right. I mean, the only time you would really have a buy sell disc. 'cause if you have a business where. They're buying inventory from unrelated parties. And all the inventory is manufactured in the US and all of it is export. Dave: Yeah. Brian Okay. That, that, that I do have, like I said, two clients that have adopted that structure. One was commissioned disc with an S-corp and they converted, they merged the S-corp into the disc and just became an operating disc. You know, and that's a little different than a buy sell disc. I mean, an operating disc. People think of buy, sell dis an operating disc for the same thing. They're really not. I mean, 'cause you could have a, the equivalent of a commission disc, but have it be by sell where it could buy product from its related exporter and then export it. Dave: Okay. Brian It's possible that, that, that tho that fact pattern, I don't have any clients in. Dave: Okay. Brian It's possible. Dave: Okay. So we've got the election filed and then at some point the IRS will send the taxpayer letter approving the election, right? Brian Correct. That is, that was true. Dave: And then so we've got the, the B and usually it makes more sense to have the disc bank account at the same bank as the operating company, right? Brian It typically does, Dave: yes. Yeah. And we'll get into that when we get further into the operation of the disc. Okay. So it's all set up. And elections filed, election approved. So now certainly we're done with incorporation and government governance matters, right? Brian No. No, Dave: not yet. Brian Not yet. Not yet. Okay. We still have to make sure there's a a call, a related supplier agreement or disc commission supplier agreement in place between the, the exporting entity or entities and the disc itself. This document is, it's not, again, it's not required in the regulations, but it is recommended. It gives the related supplier a lot of flexibility in how it uses the disc and if it uses the disc and it gives it unilateral powers to decide not to use the disc. It also lays out the, you know, sort of boil legal boilerplate language about an inter intercompany agreement between the two business. Dave: So you could just go to chat GPT and have them spool up a one page sales agent agreement. Is that right? Brian Maybe. I don't know. I haven't tried that 'cause I don't wanna teach chat GPT how to, how to do that, but because every time you ask it a question, you teach it, right? Dave: Sure. Brian General, no, it's a pretty specific agreement and it has very specific provisions in it. Provisions and so somebody that knows what they're doing really needs to draft them. Dave: Okay. Okay. So this is kind of pointing away from just having your general corporate attorney who's never heard of a disc, do all that quote paperwork. Brian Yeah. I never recommend. I always recommend that a specialist do it, namely myself take care of it. Dave: Okay. Yeah. 'cause you are, in addition to having an accounting background, you're also a tax attorney, correct? Brian Correct. Dave: Correct. Okay. Brian Yeah. And you know, some of the documents that need to be created, yeah. That can be done by a general corporate attorney like bylaws and those as well and or other organizational documents that aren't disc specific can only be done by any attorney. But but if, but really it doesn't make sense to split that work up amongst different attorneys. Dave: Okay. Sure. Brian It all sort of be done by the same party to make sure that it's, that everything gets taken here. Dave: Okay. Brian And timely because there's a 90 day window to get this, in my opinion, to get this all done. Dave: Yeah, to co to coincide with the election filing. Brian Right. Because typically I don't provide any of the documents, including the election, to the, to the client until all these things are done. Dave: Yeah. Oh, I see. Sure, sure. Because then there's, Brian you know, they have to sign the disc election and there's all these other documents they need to sign and put in a minute book. And so rather than piecemeal it, we just give it to them all at once. Dave: Okay. So they've got their binder with all their signed documents or a signed copy of the 48 76 A that was filed a copy of the approval from the IRS. So now finally, are we ready to get started using our disc? Is there. Brian Collection the I. Yeah. As you've probably seen in the news, things are changing at the postal service as far as postmarks and what they can be relied on as when something was considered filed. So they're not promising the postmark things that they, you drop them in the mail anymore. Dave: Oh, really? Okay. I hadn't heard that. Brian Yeah. So it's recommended to go, like, walk it to a counter and have it hands stamped with [00:28:00] a postmark. Yeah. But more importantly, and unfortunately not everybody listens to this, send the form certified mail return receipt requested. 'cause many times document is sent to Kansas City and they lose track. Oh, we never got your dis election. We can't process your dis return, whatever. And then there's proof that it was sent and then they have to, you know, find it basically. Dave: Okay. Or Brian at least accept it, maybe even if they never find. Dave: Yeah. Brian But there's one other thing about the disc and that we didn't talk about and, and I'm reminded of it because something you asked me in passing last week, which is something about the year end of the disc, the year end of the disc must coincide with its principal shareholder. So if I have a C corp that's a fiscal year, but the owners of the disc aren't gonna be [00:29:00] individuals, that disc will be a calendar year disc. Dave: Sure. Brian Not be a fiscal year company. And you know, if. It's owned by, let's say an S corp that has a fiscal year, then the disc will have a fiscal year. It, it must have the same year as its principalship. Dave: Okay. Yeah. Good. Thanks for the reminder of that. Brian And sometimes the disc collection gets filled out incorrectly. Somebody assumes one thing and, and then when a return is filed, the IRS, they're like, they, they dunno what to do. Yeah. Yeah. Okay. Alright. Now finally, do we have a little bouncing baby disc to be delivered to its proud parents? I think so. Dave: Okay. Okay. Okay. Brian And that's usually, it's usually about three to five months after it was formed. Dave: Okay. Brian Is when it started eating solids. Dave: Okay. Alright, so now we've got the disc set up and 9:45 AM I'm, I'm sorry, I keep touching my watch and it says the time, apparently it's time to just take off my watch. Okay. So now, so let's just say that they have not yet set up the bank account. They've done everything else, and now it's time to set up the bank account so they, you know, call their local banker. They get it set up at the same bank, so it can be on the same online banking platform. And then they fund it. And does it matter where the funding comes, comes from for that bank account? Can they just like say the company. I mean, can just anybody fund it? Say there's three shareholders, can just one shareholder write a check for $2,500 to fund it? Or how does that all look? Brian Well, I mean, there, there will be a subscription agreement that shows how much each shareholder owes for their shares, and each shareholder should pay for them. Okay. Can't just be one. Dave: Okay. So we have the bank account set up, we're ready to go. And so now we're at the end of the year, or approaching the end of the year. Let's say we're in November of 2026. Anything we need to do before the end of the year Brian for an accrual based taxpayer? No. Okay. There's nothing paid to do, but before the end of the year. Dave: And what about for a cash basis? Brian For a cash basis, taxpayer, if we want a deduction in 2026. We need to pay the DIS in 2026, so Dave: we Brian would need to gather information in order to estimate a DIS commission for 2026 before the end of the year. Dave: Okay. So cash basis, that's what we need to do by the end of the year. Accrual basis. Basis, no. Do I need to do [00:32:00] anything by the end of the year? Brian You don't need to. You have an option to, if you'd like to, if you wanna have an idea of what the disc commission might be, or you actually wanna pay it before the end of the year, but there's no requirement. Dave: Yeah. And if you don't, and if you don't pay it by the end of the year, you get a deferral benefit Brian possibly. Dave: Yeah so say, say you did a hundred million of exports and your commission was $20 million. You just get to defer that whole thing till the next year, right? Brian No, Dave: no. Brian, all you say is No. Every good idea have you just say No. Brian It could defer 10% of it to the next year because only the income related to 10 million of export sales can be deferred, and it'd be a little less than 10% because the disc wasn't there the whole year. So we'd have to prorate that 10 million for the number of days the disc existed. And then some sliver can be deferred, but the rest of it is gonna be taxed to the shareholders as a deemed dividend Dave: in the current year. In the Brian current. Dave: Okay. Brian Then not taxed when physically distributed in the following. Dave: Okay, so we have an accrual tax payer. We get into the to 2027, and let's say they're extending their corporate return and they're planning to file that in August of 27. So we're done. We don't have anything else to do before August. Right? Brian That's not true either. Dave: Brian, Brian you're Dave: killing me. Brian Yeah, well, it, I mean, it depends. If nothing was done before the end of the year, then something needs to be done within the first 60 days after the accrual base taxpayer. Or, you know, let's say the cash base taxpayer says, I don't [00:34:00] care if I get my deduction next year, so I'm not gonna pay anything this year. Something needs to be paid at this within 60 days of the end of the year. Dave: So is this one of those things like the sales agent agreement, that that's just recommended? Brian No, this is required. Dave: Required. Okay. Brian Yeah. This is required. This is, this is one of the hot buttons the IRS will try to use to disqualify your disc. Dave: Okay. Brian So the disc accrues a receivable at the end of the year, even though it doesn't know the amount at the end of the year for all, for, for disc purposes and books an an accrual for the income at the end of the year. That accrual or the receivable is only a qualified export asset if, if the payment rules around that receivable or satisfy. Dave: Okay. Okay. Brian One Dave: rule Rules. Rules. There's always rules. Brian Yeah. It's very draconian. You have a 60 day rule and a 90 day rule. 60 day rule says you must pay a reasonable estimate of the disc commission to the disc within 60 days of the end of the year in cash or. It could be cash, it could be a note. Dave: And reasonable is just any old amount. You just put your finger in the air and ah, I think a hundred dollars is reasonable. Brian Again, that's not the case. There is a safe harbor for what is reasonable, and that safe harbor is f at least 50% of the final commission amount that you Dave: determine. But how do you know that in February Brian you have, Dave: if you're not preparing the corporate, Brian you have to try to compute an estimate before the end of FE Dave: and you have to nail it exactly at 50%. So if you think the commission's gonna be $1,217,412, you need to pay exactly 50% of that, Brian at least. [00:36:00] Dave: Oh, at least. So you could pay more. At Brian least you could pay more. And we always recommend maybe paying 75 to 80%. Dave: Okay. Brian Because if you pay whatever you pay. That amount is gonna be your limit. So if you thought it was gonna be a million and you paid 500,000 and it turns out to be 1,000,500, too bad. So sad, you only paid 500,000, you're capped at a million. Dave: Okay? I mean, that's the safe harbor. I suppose there might be circumstances where, where one could argue that they maybe the first year of the disc, and you know, they, they, Brian you can argue it, you can try to argue it, but there's no guarantee that the IS will accept any of the arguments. And the private letter rulings that exist from the 1970s would imply that they, they're really not going to accept just about any rationale for being reasonable other than that 50% bright [00:37:00] line safe harbor. Dave: Okay so you make the payment, Brian make that payment, and. Dave: Can you just book a journal entry? Do you, do you actually have to really move the money? It sounds like a hassle. Brian I mean, in, in general you have to, you have to either create a note or move cash. Dave: Okay. Brian Okay. Dave: But that might be a lot of money though. Like what if, what if it's like $2 million and million? The company only has a million dollars in the bank. Brian They could use the same capital multiple times. Dave: Oh, okay. Brian And roundtrip the money as many times as they need to, or like I said, use the, use the promissory note. Dave: Okay. Brian Short term promissory note to satisfy that requirement because it does say cash or property. Dave: Okay. So we get through February, we've made our, our 60 day payment. We've, we've, you know, sh sh we've, we, instead of doing 50%, we did about 80% of what we thought it was gonna be to give us some cushion, and now we can go take a vacation till the till the corporate returns ready. Brian Yeah. I, I, I think so. Dave: Okay. Brian I think so. Dave: Okay. So it's time to now. So it's time. Now, if they extend that corporate return, I guess they're gonna have to extend the disc return as well. Brian Well, the disc return is due September 15th as a matter of course. Dave: Oh, Brian are handy. There are no extensions. So really as far as the disc and its compliance goes, once you make that 60 day payment, there's really not much you can or should do or are able to do until the related entities tax return. Prepared. [00:39:00] So a lot of times they'll say, well, that's not gonna be done till September 15th, and we have to have a discussion about how that doesn't work because the disc return has to be done by September 15th, but in order to do the disc return, you need to basically a completed within it supplier returns. So then we have to work backwards from September 15th to figure out like when's the latest they can have that, that other return done in order Dave: to Brian get the disc return done. Now that's relatively easy in the past through context because all those pass through returns are also due September 15th on extension. Dave: Sure. Brian Whereas a C corporation, it's not so easy because the extended due date for a C corporation, if it's a calendar year is October 15th. So it may be that you have to file a disc return with a made up number on time and then amend it after. Okay. After September 15th. I've done that a number of times. Dave: Okay. So that makes sense. Brian Because as is good as CPAs are, they're deadline driven. So if a return is due October 15th, they're unlikely to have it done by the end of August. Dave: Yeah. Okay. So it's time to file the disc return. I assume the CPA firm probably has that disc return and their standard tax software with all the other forms. So you just have the CPA go ahead and prepare the disc return. I've looked at it, it's a short return. It's like 10 pages long. So you just go ahead and have the CPA prepare the disc return, then bing, bam, boom, you're done. Brian Could do that. Dave: Okay. Is there a drawback to doing that? Brian Yeah, it would probably be wrong. Dave: Okay. Why do you say that? Now, remember [Brian, we have a lot of CPAs who we have very good relationships with that we share clients, you know, saying that they're probably gonna do it wrong. I mean, heck, I don't really wanna annoy all my great CPAs we work with Brian Well, okay, but it, well, it's just a fact. It'll probably okay Dave: be Brian wrong because they might see one or two or three a year. They, they think they know what all the different terms on the district return mean, but they're not as familiar with that as they are with a S Corp return or a partnership return, or 1120. So they do what they think is right, and it may be right, it may not be right. So again, I, in my opinion, you want a specialist preparing the district return. Dave: Okay. Brian Okay. Because we know exactly how it's supposed to be filled out. And then if, if the calculation is done on a transaction by transaction [00:42:00] basis, there's this schedule P that gets attached to the return. Well, if you don't do a T by T, there's one Schedule P. If you do a T by T, there could be thousands of them. So I don't think CPAs and their software are equipped to complete thousands of schedule Ps and attach Dave: Yeah. Brian To the district. Dave: No, good point. And you're, you're getting your your enthusiasm to get to T by t had me, you got a little ahead of me. 'cause I was gonna ask, so client says, Hey, we have a desk. Our accounting department's busy. What's just the bare minimum of information we need to send you? What's the bare minimum? Brian Bare minimum would be qualified export sales. Dave: They just need to send you a number. Brian Yes. Dave: Then you take that number and how hard can it be? Right. Just take the, Brian it's not, it's not necessarily that hard at that point. Dave: Yeah. But say the profit on those sales [00:43:00] is the average profit of the company and taxable profit. And you compute the disc commission, you go through the Schedule P and compute the disc commission and pick the higher of the two numbers that you, that you compute. So you would just be like the final draft, corporate return and that total export number, you know, dollar amount for the year. And, and that's really all you need to, to do. That's Brian the bare bone. That's the bare bones, yeah. Dave: Okay. And that's what some people would call the standard calculation or a simple calculation, Brian I'd call it simple. Yeah. Dave: Okay. And that's also known as the 4% 50% calculation in some circles. Right. How does that work? Brian Well, it's also known as the safe harbor calculation in certain circles as well. Back to that, Dave: back to that safe harbor again. Brian Yeah. But that's actually not a safe harbor, so that's why I bring that up. Dave: Okay, well Brian that's the safe harbor calculation. I'm like, no, it's not. It's just the [00:44:00] calculation. There's nothing safe harbor about Dave: it. Okay. Brian Okay. It's just the rules that are found in the code and regs for computing and disc commission, and they're the two predominant methods. 4% of sales and the 50% of net profit, Dave: you just cherry pick whichever one works better. Brian Yeah, but the 4% method has limitations. So Dave: more limitations probably. Why? Why can't this just be simple? You said it was the simple calculation and now you're already telling me there's inherent complexity. Brian Even if it's simple, it's not totally simple. Dave: Okay. Okay, Brian so the, and I've seen this done wrong. Millions, well, not millions, hundreds of times, and I can say it is hundreds of times. Client computes the 4% method just by choosing 4% of sales. They don't look at what their net income is on the, on the [00:45:00] activity. They just say, oh, I'm allowed to use 4% of sales. The limit there is you cannot create a loss. There's something called the no loss rules. You can't create a loss with a disc commission if one doesn't already exist. So if the profit on, say, on the sales are 2% of sales, you can't take 4% of sales. You're limited to 2% of sales. And if, for example, you have a loss of the company, you're limited to zero. But I've seen situations where that's completely ignored. Dave: Okay? Brian Properly computed this commission of 4% of sales, but it should have been something less or possibly zero. Dave: Okay? So more complexity, but the good news, that's the extent of the complexity. One, schedule P, 4%, 50%, you know, make sure you, you don't create a loss. Now we're, we're all done. Pop. You [00:46:00] know what, what? Dusted and dusted and delivered we're, we're good to go. They've maximized their dis commission, right? And we're all done. They have a nice 10 page return to send to the IRS. Which by the way, can they file that electronically, that return? Brian Fortunately, there are no provisions for electronic filing of the disc return. It must be, Dave: what is this, the 1970s or something? Brian Pretty much Dave: Okay Brian with, with regard to the disc? Yeah. And, and some other forms. Yeah. But the, the, the benefit of that, here, I'll give you a benefit. The benefit of the fact that you must file a paper return is they can have an electronic signature on it. Okay. It doesn't have to have a wet signature. Dave: Okay? Okay. Brian So you could theoretically, for example, send your client the return using DocuSign, have them sign it. You print it, you file it for, Dave: okay. Okay. But, but now we're finally done. It's signed, it's done. And they say, boy, thank you very much, Brian. You've done, your team did a great job, and boy, I really appreciate, you know, we had 10 million of exports. We have all kinds of variability in our profit margins. And, but thank you very much. You, you created the amazing $400,000 or you calculated the 400,000 disc commission. Thank you very much. I couldn't imagine you went above and beyond. I couldn't imagine you could have done anything more. And then what do you say? Do you graciously say, oh, you're welcome. It was our pleasure. Brian I would graciously say, you know, we, we've just computed your minimum disc commission. Dave: Okay, Brian not your maximum. Because you have Dave: vast, lemme guess. Lemme guess. There's more complexity coming. Brian More complexity, which relies on more data being. Pulled from the client's [00:48:00] records to, to allow for a calculation of the DISC commission at a more detailed level, ideally at a line item by invoice level, Dave: line item. That sounds like a lot of work. Brian It can be. Can be a Dave: lot. What if the client says, our accounting department's busy? Sounds like we're gonna have to spend weeks gathering all this data for you. Eh, it's just, we're too busy, it's not worth it. What do you say then? Brian I gu I almost can guarantee you it will be worth it. Okay. Because looking at the detail is likely to cause at Disconnect commission to be anywhere from 50 to three, 400% higher than what it otherwise would've been. Now, unfortunately, in that first year, since you've already filed with a certain number, you're limited to two times what you paid in that 60 day window. But going forward. You know, there's no limit. Dave: Okay. Brian Whatever we compute can be your disc commission. So different industries have different amount of variability and t and transaction by transaction calculations have different impacts depending upon the industry, the profitability of the business, how many products they have, who they sell to. But it can vary. But I'll give you an example of one that we worked on recently where company had a hundred million of export sales. They took 4% of sales, and they've been taking 4% of sales year after year, after year, after year, after year, Dave: okay. Brian They brought us in like three weeks before the district return. Dave: Okay. Brian And we went through the calculations and we actually calculated 17 million Dave: as opposed to 4 million. Brian As opposed to four. Dave: [00:50:00] Yikes. That's a big difference. Brian It's a huge difference. And fortunately they were, you know, well, I mean they were very pleased with the result. And so now on a going forward basis, we're not doing 4% of sales. Dave: Okay? But you still have this. But if they were able to get a $17 million commission, then that means their corporate taxable income must have been at least 17 million. 'cause didn't I hear you say the disc commission cannot cause a loss. Brian It cannot cause a loss at the level at which you're computing the commission. So there's no, you're killing me, Brian. Just more complexity. Yeah. Well, it's very complex area. There's, there's no overall no loss rule. Like if you, you can, as long as you're meeting the rules as they're written, you can cause your entity to go into a loss position. Now, this particular instance, it did not do that, but [00:51:00] you could do that. Dave: Okay. And then if you get into a loss position, there are other non disc complexities that come into play that impact whether you want to maximize the loss in that entity or you want to target a particular loss in that entity. And that's not something that we get involved with, but we're certainly sensitive to it. Sure. Sure. And so you're saying for this client, even though I've heard some people say you've got the simple calc and then the hard calc. And so you'd wonder why would anyone do the hard calc? Well, it's because their commission went from 4 million to 17 million, which saved them hundreds of thousands of dollars. You created hundreds or millions of dollars with additional tax savings. Brian Right, right. Dave: Okay. Brian And by the way, after the first conversation we had with them, they said, oh [00:52:00] yeah, this is not something we can do. The accounting department said, this is not something we can do. Then the owner said, this is something you're gonna, Dave: it's funny how that, how that works. Okay. And then I'm guessing this extra work. You, you're probably gonna have to create another schedule P or two. So now the disc return, it's gonna be 10 pages. It's what? 20 pages? Is that kind of a typical page count? Brian No, it could be Dave: no. Brian Thousands of pages. Dave: Thousands. I mean, Brian, a ream of paper is 500. So thousands would be reams of paper. Brian Yes. I've had some returns that have like 15 binders of paper. Dave: Yikes. Brian Yeah. Just goes in a big box and I'm sure the IRS types, all those schedule Ps into their, Dave: I'm sure they do. Okay. So the return gets filed, so the return's ready. You take that box, you just slap a you print off a postal label online, drop it off at the post office. And you're done, right? You just give it to carrier, Brian understand, Dave: carrier, carrier your house or whatever. Brian Well, you can send it via FedEx. You can send it via UPS. And actually, in some ways, I think that might be better these days than the postal service. Dave: And why do you have to do that? Can you just slap, I mean, if you have your 15 binders, couldn't you just put a hundred stamps, you know, on the, the box and ship it in because they'll get it, right? I mean, it's not like they're gonna lose it or anything. Brian They might, they could very well lose it. And you definitely want proof of delivery and you want proof of mailing. So again, it's a certified mail if you're using the postal service or if you're using a private carrier like FedEx, you know, you get all that documentation about when it was shipped and when it was delivered.[00:54:00] Dave: Okay, well now at least we're finally done. Right? You ship it off. The CPA pulls the numbers from the disc return, puts it on the corporate and shareholder returns. Now we're done. It's gone to the IRS. We never have to think about it again. Right. Brian I'm not sure if that's a trick question or not, but in some ways that could be true, Dave: right? Yeah. But it, but I guess you could get audited, right? Brian Could get audited by an agent who has no idea what they're doing, which is typically the case. Dave: So that's why you want your CPA defending you in that case. 'cause then it's like the blind leading the blind. Brian No, I think it's better if someone with site is involved. So again, the specialist who did the disc work should represent the taxpayer or be involved with the representation of taxpayer in the case of the audit. Dave: Okay. Brian And the should be involved. Because really what's under, what's really in question is the [00:55:00] deduction on that entity's tax return. The dis itself doesn't pay tax. So they rarely audit a dis quote. Dave: Okay? So if I break it down, you to do it really right? You need a specialist to guide you on the initial structure of the disc. You need another specialist to set up the, the disc. You need another specialist to do all the paperwork, make sure the document's correct another specialist to prepare the return, and then another specialist to defend you. So is that about right? So do you need like five different people to make sure everything's done right? Brian? Isn't there some way that you could just have one person that could just do it all for you and be done with it? Brian Well, of course. Dave: Okay. Finally, finally, I get a simple answer, Brian right? So if you, if you engage a disc specialist, that [specialist should be able to do all that. Dave: Okay? Brian Okay. Now, not every disc specialist is created equally. Dave: Sure. Brian You know, I brought up during our conversation that there are some non disc things that can also add complexity to the situation. Not every disc specialist will be sensitive to those things. Not every disc specialist will understand those things. So the benefits that like our organization brings is that. Least myself in particular, I didn't always just do IC disc work. I, I, I have a well-rounded knowledge of all of the, of the tax world. And so I am sensitive to non disc things. You know, for example, you know, another example, oh, a company has a lot of export sales. You would think it's a no brainer. They should have a dis, they should use the dis. They should, they, they should want to convert that ordinary income to qualified dividend [00:57:00] income. Well, what if the S-corp is owned by an ebit? What if there are passive shareholders? All of those things impact whether the disc commission actually helps or hurts their tax situation. And I would get, I would venture a guess that, you know, if you went out and Googled, you know, I see this specialist, you would find a handful. At most that understand all that stuff and how all it all interplays together as opposed to the multitude of those that won't understand any of it. Dave: Okay. Brian So I think a, a disc specialist that is sensitive to all the other tax rules is, is definitely something that is valuable. Dave: And you probably want someone with some experience who's done maybe, you know, what a dozen disc returns in their career, maybe 50 if they're really good. Like how many, how many have we done organization wide? Probably Brian probably 10,000. Dave: 10,000? Well, that's a lot more than 50. Brian Yes. Over the years it's probably close to that number. And we've probably claimed billions of dollars of just deductions and saved clients, hundreds of millions of dollars of tax. And, and I'm proud to say that every dollar we've ever claimed we've. Okay. Dave: So Brian I've never had an adjustment from the IRS. Dave: Well, that sounds like a, a good a good record. So bottom line, Brian that's, that's the best you can come up with a good record. I'd say it's Dave: well, I didn't wanna say a perfect record. I didn't want to jinxy. Brian No, but it's, it's, it's, it's pretty outstanding record. Dave: Yeah. It's a, it's an impressive record Brian because there are also just providers out there that say, well, you know, Dave: it's the Wild West. Brian The wild west, the IRS doesn't really understand it, so let's be as aggressive as possible. And, and that's not the way we approach it. Dave: Yeah. Wow. Well, this has been this has been a lot. So really it's that simple. So the person who wants to just do all this themselves, we've laid out the whole playbook for them. Brian Yeah. The only simple thing they have to do is call us. Dave: There you go. That is it. Yeah. And, and oh, the other thing, not only are you the Bob, hope you now have moved from number two to number one for the most experienced icy disc guy. I know now that Neil Block is retired. Brian Well, that's, I don't know if that's a plus or not. Whether I'll take it just means I've been doing it a long time myself. So Dave: yeah, Neil was, I think my second, first or second guess. And and I was just happy. 'cause his billing rate back then was like $1,500 an hour. I was just glad I didn't get a bill a month later for him being on the podcast. But he, [01:00:00] he did it for exactly 50 years at one firm, baker and McKinsey in Chicago. He had one office, one phone number, like the whole 50 years. Brian Yeah. That's, Dave: that is something you don't see much anymore. Brian Definitely not, no. It's, but it's very, that's. That's very cool. And Neil is a very, you know, is a very intelligent savvy guy. Dave: Yeah, that is for sure. Well, Brian, anything else that we didn't cover that you can think of? Brian I can't think of anything. I think we covered a, a great deal here. Dave: Okay. Brian Can't think. Dave: Well, I, I'll let Brian we omitted. Dave: Well, great. Well, hey, thank you so much for your time. Really appreciate it. And I'll let you get back to your, your exploration of your yard there. Brian Yeah. I feel like, it's funny I shrunk the kids. Dave: I know. Well, hey, well, well again, thanks again, Brian. We all appreciate your time. Brian You're welcome. Have a good day. Dave: You too.

In this episode of the Great Women in Compliance Podcast, Lisa Fine and Sarah Hadden (Gen X) are joined by Rebecca Anker and Emily Frank for an engaging conversation on what the next generation needs from ethics and compliance. Rebecca, Gen-Z, and Emily, a millennial, share candid insights shaped by their experiences as part of the emerging workforce. The discussion explores the real-life impact of generational influences—from questioning hierarchy and outdated practices to prioritizing transparency and usability— minimizing the traditional reliance on hierarchy. Rebecca and Emily discuss how the rising stars in the profession are taking the evolution to a collaborative, service-oriented function that partners with the business and clearly explains the why behind policies and decisions to new levels. They also discuss current topics, including creative, shorter training approaches, balancing regulatory requirements with innovation, responsible AI use, and rethinking speak-up programs. They discuss why language matters, why “whistleblower” may no longer resonate, and how normalizing the act of raising concerns can strengthen speak-up culture across generations. The episode wraps with practical advice from Rebecca and Emily for more “seasoned” compliance professionals to stay curious and engage with new voices and ideas. It is exciting to see where they and their peers will take the profession. 

From kitchen-table beginnings to revolutionizing waste management, Lainika's journey proves that with vision and innovation, you can build a multi-million dollar business that tackles global challenges. In this heartfelt episode, Lainika Johnson, founder of Eco in the City, shares her inspiring journey from starting TrashLogic out of necessity to launching a tech-driven company that is transforming the way cities and property management companies handle waste. With her innovative VIN Site 360 platform, Lainika is not just helping businesses stay compliant with complex waste regulations but is also leading the charge toward smarter, more sustainable waste management. Here are the highlights: -Lainika's Journey to CEO: From being a complete outsider in the trash industry to building a self-funded, multi-million dollar business. -Innovating Waste Management: How Eco in the City's tech platform is transforming waste compliance and sustainability for cities and property managers. -Solving Waste Compliance Challenges: How Eco in the City helps businesses avoid costly fines while improving efficiency and promoting sustainability. -Lessons from Adversity: Overcoming labor shortages, pandemic disruptions, and the shift toward data-driven solutions in waste management. -Empowering Women Entrepreneurs: Lainika's advice on trusting yourself, knowing your numbers, and building a thriving business from anywhere.   About the guest: Lainika E. Johnson is the founder of Eco in the City and CEO of TrashLogic, recognized as America's leading expert in waste reduction and workforce development. With nearly two decades of experience, she helps cities, property managers, and businesses transform waste challenges into sustainable, data-driven solutions. Starting her career at Republic Services and rising to senior executive at a California-based waste company, Lainika successfully onboarded nearly 200 multifamily communities in under a year. Her work combines technology, community, and policy, supported by credentials from Harvard Business School and UCLA. Lainika's expertise has been featured in major outlets like Black Enterprise, Black News, and local media such as Arizona's ABC-15, Sacramento's NBC KCRA-TV, and Waste & Recycling Magazine.   Connect with Lainika:   Website: trashlogic.com LinkedIn: https://www.linkedin.com/in/lainikaj/ Instagram: https://www.instagram.com/lainikajohnson/   Connect with Allison: Feedspot has named Disruptive CEO Nation as one of the Top 25 CEO Podcasts on the web. LinkedIn: https://www.linkedin.com/in/allisonsummerschicago/ Website: https://www.disruptiveceonation.com/    #CEO #leadership #startup #founder #business #businesspodcast  Learn more about your ad choices. Visit megaphone.fm/adchoices

We are starting 2026 with predictions from several of HRP Associates, top thought leaders. We want to know what they predict for 2026! Once we hear what everyone's predictions are, Brooke, Carly, and Ally join together to talk new year resolution ideas in bingo form!  A reminder that our Play Hard segment is also available in video form! Watch that on our YouTube Channel. Make sure you subscribe, give us a review & check us out on social media!YouTubeLinkedInInstagramTwitterFacebookWebsite

Link promocional para audiência do Narrativas. Beway Idiomas:https://mkt.bewayidiomas.com.br/?a=16517723Narrativas analisa os acontecimentos do Brasil e do mundo sob diferentes perspectivas.Com apresentação de #MadeleineLacsko, o programa desmonta discursos, expõe fake news e discute os impactos das narrativas na sociedade.Abordando temas como geopolítica, comunicação e mídia, traz uma visão aprofundadae esclarecedora sobre o mundo atual.Ao vivo de segunda a sexta-feira às 17h.Apoie o jornalismo Vigilante: 10% de desconto para audiência do Narrativashttps://bit.ly/narrativasoaSiga O Antagonista no X:https://x.com/o_antagonistaAcompanhe O Antagonista no canal do WhatsApp.Boletins diários, conteúdos exclusivos em vídeo e muito mais.https://whatsapp.com/channel/0029Va2SurQHLHQbI5yJN344Leia mais em www.oantagonista.com.br | www.crusoe.com.br

Recorded live at Cloud Connections in Delray Beach, Doug Green, Publisher of Technology Reseller News, spoke with Mark Vange, Founder & CEO of Autom8ly, about how AI voice agents are reshaping complex, regulated, and high-value communication workflows. Vange explained that Autom8ly specializes in building AI solutions for partners and service providers that serve customers with nuanced and often highly regulated requirements. Rather than focusing on generic AI reception or basic appointment setting, Autom8ly targets verticals where complexity, compliance, and scale intersect—use cases where off-the-shelf AI voice agents fall short. One of the company's primary areas of focus is the collections market. Autom8ly is deploying AI voice agents to handle high-volume, routine collections calls while allowing human agents to concentrate on more complex, high-stakes cases. Early observations suggest that consumers may respond less defensively to AI-initiated outreach than to human collectors, particularly for smaller or straightforward obligations such as missed payments, parking fines, or one-time healthcare balances. In these scenarios, the AI agent can confirm details, negotiate payment terms, and securely process payments, while automatically escalating more complex disputes to human staff. Vange emphasized that Autom8ly's AI agents are designed with strict boundaries. They do not cross regulatory red lines, attempt legal persuasion, or handle cases involving attorneys, court orders, or disputed liability. Instead, they address the majority of routine interactions that consume time and resources but generate limited strategic value when handled by humans. From an operational standpoint, AI voice agents offer significant efficiency gains. Human collectors often achieve utilization rates as low as 25–30 percent due to unanswered calls, breaks, and administrative overhead. AI agents, by contrast, operate at near-100 percent utilization, reducing cost per dollar collected while accelerating time to revenue. Autom8ly has also engineered its platform to meet PCI and compliance requirements, ensuring sensitive payment data is never exposed to large language models or unsafe systems. Beyond collections, Vange highlighted broader opportunities for MSPs and channel partners. Autom8ly has delivered AI voice agents for underserved language communities, including healthcare environments where providers lack staff fluent in languages such as Haitian Creole. By combining language capability with cultural awareness and compliance controls, AI agents can expand access to essential services while reducing operational strain. For MSPs and service providers, Vange positioned AI voice agents as a “high-value voice” opportunity—particularly in industries such as healthcare, utilities, finance, and public services, where multilingual communication, compliance, and scale are critical. When interactions move beyond simple scripts and require deep customization, Autom8ly's partner-led model is designed to fill that gap. More information about Autom8ly and its AI voice agent solutions is available at https://autom8ly.com/.

In electronics manufacturing, defects don't usually announce themselves. They happen in milliseconds, far faster than human perception, and often long before anyone realizes a process has drifted out of control. By the time failures show up in test, inspection, or worse, in the field, the root cause may be buried deep inside machine behavior that no one thought to question.When machines are assumed to be accurate instead of proven to be accurate, and when force is set but not verified, hidden variation creeps in. That variation can translate directly into cracked components, misalignment, latent damage, and long-term reliability risk.My guest today is Michael Sivigny, SMT Productivity & Profit Strategist and owner and General Manager CeTaQ Americas, a company that has spent decades doing what most factories don't, objectively measuring machine performance under real production conditions. Michael's work has repeatedly shown that even well-maintained, recently serviced equipment can operate outside of specification, quietly generating defects at high speed.In this conversation, we'll dig into how accuracy validation and force measurement expose problems traditional troubleshooting misses, why OEM calibration alone is no longer enough for today's miniaturized electronics, and how statistically sound measurement practices improve not only yield and uptime, but long-term product reliability.If you believe reliability starts long before functional test, this is a conversation you won't want to miss.CeTaQ Americashttps://cetaq-americas.commsivigny@cetaq-americas.com

Send us a textActively use Artificial Intelligence (AI). In Part 3 of this 3-part episode, Captain Integrity Bob Wade talks AI in healthcare law & compliance with Nelson Mullins Partners Bob Coffield & Darren Skyles. Hear why the implementation of AI technology will separate the winners & losers, how to explore AI applications as a Compliance Officer, how to think of AI governance like the development of a robust compliance program, the ties between AI governance & autonomous cars, and what AI use in healthcare will look like in 3-5 years. Learn more at CaptainIntegrity.com

Alex Tsepaev, Chief Strategy Officer at B2Prime, shares how the firm is scaling global crypto and TradFi operations under a unified compliance model. Topics include licensing in six countries, embedding DORA controls, B2C onboarding, AI automation, and launching crypto spot and perpetual products in the Bahamas.

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The award-winning Compliance into the Weeds is the only weekly podcast that takes a deep dive into a compliance-related topic, literally going into the weeds to explore it more fully. Looking for some hard-hitting insights on compliance? Look no further than Compliance into the Weeds! In this episode of #ComplianceintotheWeeds, Tom Fox, and Matt Kelly look at the leadership failures from Donald Trump and his administration after the killing of Alex Pretti last weekend. This episode has significant editorial commentary. Matt and Tom critically examine the behavior and leadership failings of Donald Trump and his Administration in the wake of the shooting of Alex Pretti and argue that his approach is far from exemplary for CEOs or business leaders. The discussion highlights the essence of effective leadership as the ability to instill trust and direction, contrasting this with Trump's history of questionable business acumen and the allegations of his disastrous lying to the American people. The takeaway is that true leadership involves integrity, trustworthiness, and the ability to inspire and guide employees toward a common goal, traits that Trump is argued to lack.  Key highlights: Comparing CEOs to Donald Trump Crisis of hyper-transparency Corporate responses. Were they enough or a first step? Leadership and Trust Resources: Matt in Radical Compliance Tom Instagram Facebook YouTube Twitter LinkedIn A multi-award-winning podcast, Compliance into the Weeds was most recently honored as one of the Top 25 Regulatory Compliance Podcasts, a Top 10 Business Law Podcast, and a Top 12 Risk Management Podcast. Compliance into the Weeds has been conferred a Davey, a Communicator Award, and a W3 Award, all for podcast excellence. Learn more about your ad choices. Visit megaphone.fm/adchoices

OAuth is a widely used authorization (not authentication) protocol that lets a resource owner grant access to a resource using access tokens. These tokens define access attributes, including scope and length of time. OAuth can be used to grant access to human and non-human entities (for example, AI agents). OAuth is increasingly being abused by... Read more »

OAuth is a widely used authorization (not authentication) protocol that lets a resource owner grant access to a resource using access tokens. These tokens define access attributes, including scope and length of time. OAuth can be used to grant access to human and non-human entities (for example, AI agents). OAuth is increasingly being abused by... Read more »

Alec Patton talks to Beverley Jenkins and Kate Hogan of the System Improvement Leads Networked Improvement Community and Nicole Leveille of Cloverdale Unified School District about how Cloverdale dramatically increased the percentage of students with IEPs in the general education population, and cut chronic absenteeism among students with disabilities in half. Every other week, we publish a newsletter with great resources like this one, sign up for it here! What are you waiting for, register for the National Summit for Improvement in Education before you miss out! Episode Notes: You can read an article by Kate Hogan and Sandra Park about this improvement network on Unboxed here ! To learn more about the System Improvement Leads (SIL) team and their supports, visit  systemimprovement.org To learn more about California's Compliance and Improvement Monitoring process, visit  caltan.info In partnership with Cloverdale, SIL has published a strategy handout  linked here Learn more about the High Tech High Graduate School of Education

Most leaders have a vision, a plan, and the authority to move it forward, but real momentum shows up when you understand how culture is being shaped through trust and influence behind the scenes.Host Matt Kirchner sits down with Dr. Ben Johnson, Assistant Superintendent for Secondary Schools at Bismarck Public Schools, and Bobby Dodd, Assistant Principal at May River High School, co-authors of Intentional Influence. They break down how influence really spreads inside an organization, in schools, in business, and in industry, and why the people with the most impact are often not the ones with the biggest titles.At the center of the conversation is their cultural mapping framework—making the invisible influence network visible. You'll hear how to identify formal and informal influencers, classify commitment on a five-point scale, and invest your time where it will actually shift the culture instead of just managing noise.In this episode:How to move a team from compliance to commitment—without pressure, politics, or performative buy-inWhy “trust is the currency of culture,” and how to build it in everyday leadership momentsThe cultural mapping basics: formal vs. informal leaders, a five-point commitment scale, and understanding how influence flows throughout your organizationThe difference between positional power and personal power, and why titles can create action without creating true alignment“Energy vampires” and the “pinging effect”: how attitudes spread through a team, and how strong leaders respond in a way that protects momentum3 Big Takeaways from this Episode:1. Lasting change is a culture outcome, not a plan outcome. Compliance can produce short-term execution, but commitment is what sustains new behaviors when nobody is watching. The work is to build alignment and trust so people internalize the “why” and carry the standard forward.2. Cultural mapping helps you lead the real organization, not just the org chart. Influence runs through informal networks of credibility and relationships, and the highest-impact people often do not have the biggest titles. When you identify formal and informal influencers and where people sit on a commitment scale, you can invest your time where it will actually shift the culture.3. Influence spreads fast, so leaders have to manage energy and momentum intentionally. “Energy vampires” and the “pinging effect” are real, and unchecked negativity multiplies through the network. The goal is not to label people, but to understand what's driving resistance, address it directly, and redirect influence toward the commitments the organization is trying to build.Resources in this Episode:Get the book Intentional Influence: Harnessing Cultural Mapping to Build CommitmentMore resources on the show notes page: https://techedpodcast.com/influenceWe want to hear from you! Send us a text.Instagram - Facebook - YouTube - TikTok - Twitter - LinkedIn

Campbell Mitchell, M.B.A., is Head of Food Safety and Compliance for Kraft Heinz North America. He has more than 30 years of international experience in food safety, quality management, and risk mitigation. Prior to joining Kraft Heinz, Campbell served as Vice President of Quality and Safety at Fairlife LLC, a $4-billion Coca-Cola-owned dairy brand. He has also held senior leadership roles with Kerry Group and Almarai in the Middle East. Additionally, he founded a consultancy that supported Tiger Brands in Africa. A microbiologist by training, Campbell holds a Postgraduate Diploma in Business Administration from Massey University in New Zealand. He frequently speaks at industry events on the topics of food safety culture and sustainability. In this episode of Food Safety Matters, we speak with Campbell [38:24] about: His childhood experience of growing up in different parts of the world and how it prepared him for an international career working in cross-cultural environments What led Campbell from an education in microbiology to a profession in food safety, which he describes as "more of an art than a science" What his role at Kraft Heinz entails, such as communicating that food safety is more than just lab testing—it's about every decision made within the organization The drivers behind and work involved in Kraft Heinz's decision to phase out synthetic food colorings from its U.S. product portfolio How Campbell manages high-level leadership responsibilities with the task of meeting technical and regulatory requirements for food safety and quality The difference between food safety professionals' and consumers' concepts of "food safety" and how consumer demand influences business decisions Kraft Heinz's near-term objectives for strengthening organizational food safety culture and compliance, starting with an enterprise-wide food safety culture survey Examples of how digital tools can be used to proactively address food safety in complex supply chains, such as artificial intelligence (AI) for predicting when clean-in-place (CIP) needs to be conducted. News and Resources Eat Real Food: New U.S. Dietary Guidelines Name and Shame 'Highly Processed Foods' [6:29] USDA-FSIS Describes Vision for Science-Based Approach to Reducing Salmonella in Poultry [14:35] GAO Identifies Areas in Which FDA Has Yet to Fulfill FSMA [24:40] Journal Retracts Hallmark Glyphosate Safety Study, Increasing Cancer Concerns [28:33] EU Provides Guidance on Shelf-Life Studies to Reflect New Listeria Criteria for RTE Foods [35:09] Sponsored by: Michigan State University Online Food Safety Program We Want to Hear from You! Please send us your questions and suggestions to podcast@food-safety.com

On this episode of the Insurance Coffee House, Nick Hoadley is joined by Susan Holliday, a global insurance and reinsurance executive and experienced board director, including her recent appointment to the board of Hippo Insurance.Susan shares how the Hippo opportunity came about, why the stage of the business matters for board impact, and what her committee roles involve, including Audit, Risk and Compliance and Compensation. She also reflects on where insurtech sits today, why the ecosystem matters, and why not every technology-led player should become a full-stack carrier.The conversation explores Susan's career path into insurance, starting in the Lloyd's market, moving into counterparty credit and global insurer analysis, and later into equity research and senior roles at Swiss Re, including Head of Investor Relations through the Global Financial Crisis. Susan describes what it was like operating in a fast-moving environment, working closely with leadership, and the importance of clear communication when the fine print matters.Nick and Susan then discuss board work in practice: how to build a board portfolio, how to define a clear value proposition, how directors stay current, and how boards should approach emerging risks. Susan shares a practical framework for AI governance, including risk appetite, controls, pilot design, cross-functional execution, and regulator engagement.Connect with Susan Holliday on LinkedIn to follow her work across board governance, risk, and technology-led insurance.The Insurance Coffee House Podcast is brought to you by Insurance Search.We are a global Insurance Executive Search Consultancy, supporting Insurance and Insurtech businesses to attract and retain the very best insurance talent.Find out more about showcasing your employer brand as a guest on the Insurance Coffee House Podcast or sign up to our News and Insights.Or follow us on LinkedIn, Twitter or Instagram.Insurance Executive Search Consultants in USA, London and Bermuda.Copyright Insurance Search 2025 - All Rights Reserved.

Recorded live at Cloud Connections, the Cloud Communications Alliance event in Delray Beach, Doug Green, Publisher of Technology Reseller News, spoke with Bill Placke, Co-Founder & President, Americas at SecurePII, about one of the most pressing challenges facing AI-driven communications today: how to scale AI while complying with global data privacy regulations—and how that challenge can become a competitive advantage. Placke explains that SecurePII was formed to address a growing structural problem in AI adoption. While organizations are eager to deploy AI and train large language models, regulatory uncertainty around personally identifiable information (PII) has stalled progress. Citing industry research showing that more than 60 percent of AI initiatives have been paused due to data privacy concerns, Placke argues that governance policies alone are not enough. Instead, SecurePII takes an architectural approach. At the core of SecurePII's solution is data minimization at the point of ingestion. The company's technology prevents sensitive information—such as credit card numbers, names, addresses, or social security numbers—from ever entering enterprise systems. SecurePII's existing PCI-focused offering already removes cardholder data from call flows, keeping organizations out of PCI scope entirely. The same approach is now being extended to broader categories of PII, enabling AI systems to operate and train on clean data streams that are free from regulated information. Placke emphasizes that this upstream architectural design fundamentally changes the compliance equation. Regulators and plaintiff attorneys, he notes, care about outcomes—not intent. If sensitive data never enters the system, compliance scope, audit costs, breach exposure, and regulatory risk are dramatically reduced. “Downstream controls don't scale with AI—architecture does,” Placke says, positioning data minimization as a foundation for both trust and growth. The discussion also highlights the role of consent and customer trust in an AI-enabled world. Rather than asking customers to consent to broad data use, SecurePII enables enterprises to clearly state that sensitive information is neither seen nor stored, while still allowing AI to learn from outcomes and sentiment. This approach removes what Placke calls the “creepy factor” associated with AI and personal data, while aligning with emerging frameworks such as the EU AI Act and long-standing NIST guidance. For MSPs, UCaaS providers, and channel partners, Placke frames compliance not as a cost center but as a revenue opportunity. By embedding privacy-preserving architectures into voice, AI, and communications solutions, service providers can differentiate themselves as trusted advisors—helping customers deploy AI safely, reduce regulatory exposure, and accelerate adoption. To learn more about SecurePII and its privacy-first AI architecture, visit https://www.securepii.cloud/.

For most of us, compliance training is a regular feature of our working lives. Instead of inducing a mexican wave of eye-rolls, what can we do to design compliance training that has impact? In this week's episode of The Mindtools L&D Podcast, Gemma, Cammy and Layla discuss: Creating compliance-based learning experiences that change mindsets and behaviors; Meeting the needs of time-poor learners; How to measure the impact of compliance training.  As mentioned, we do have plenty more thoughts on compliance training! Take a look through the resources on our Learning and Development Insights page. Recent posts include a blog "From compliance to excellence" and a guide called "Compliance learning that works". In 'What I Learned This Week', Gemma mentioned listening to the podcast The Rest is Science. It was in the episode, "How to drink lava" that Hannah Fry reveals the optimum hand position for maximum propulsion while swimming. For more from Mindtools Kineo, visit mindtools.com. There, you'll also find details of our new face-to-face and virtual workshops, and our off-the-shelf courses. Like the show? You'll LOVE our newsletter! Subscribe to The L&D Dispatch at lddispatch.com. Connect with our speakers If you'd like to share your thoughts on this episode, connect with us on LinkedIn: Gemma Towersey Cammy Bean Layla Croll

www.marktreichel.comhttps://www.linkedin.com/in/mark-treichel/In this episode of With Flying Colors, Mark Treichel is joined by former NCUA senior leaders Todd Miller and Steve Farrar for a deep dive into NCUA's 2026 Supervisory Priorities Letter — and what it means in the real world for credit unions heading into the next exam cycle. Deep Dive on NCUA Priority Lett…With significant staffing reductions at the agency and a shift toward more “risk-based” supervision, the group discusses whether exam programs will truly become more tailored — or whether credit unions should expect more conservative ratings, more findings, and less dialogue.The conversation also explores what's emphasized, what's missing, and how operational realities inside NCUA may shape supervision more than policy statements.Key Topics Discussed

Deborah Hanus, Co-founder and CEO at Sparrow, joins Amir to unpack the founder journey from academia to building a scaled company. They dig into why leave management is still a messy, high stakes problem, and how Sparrow is turning it into a clean, guided experience for both HR and employees.Sparrow helps companies provide employee leave across the United States and Canada, and Deborah shares what it really takes to scale a compliance driven business without slowing down. From founder resilience and early stage emotional swings to hiring, onboarding, and culture design, this one is packed with lessons for operators and builders.Key takeaways• Academia can be real founder training, especially for building resilience and hearing “no” without losing your edge• Early stage startups feel brutal because you have too few data points, it is easy to overreact to every win or setback• Compliance and leave are fundamentally data problems, the right info to the right person at the right time changes everything• Scaling leadership is mostly communication and alignment, five people and 250 people require totally different systems• Culture does not stay stable by accident, values must drive hiring, training, rewards, and performance managementTimestamped highlights00:37 What Sparrow does, and the 300 million dollars in payroll cost savings milestone01:37 Why academia can prepare you for founding, and how customer pain beats outside skepticism03:40 The leave compliance mess, and why state by state rules made the problem explode08:25 The two real ways startups die, and why morale matters as much as cash12:55 Leading at scale, onboarding, clarity, and the feedback questions that keep teams aligned19:54 “Scale intentionally” as a culture principle for a company that cannot afford to break things25:48 Keeping values stable while everything else evolves as the team growsA line worth sharing“Companies end when you run out of cash or you run out of morale.”Pro tips you can steal• Treat the employee journey like a product journey, from recruiting through promotions and hard moments• Before a big change, collect questions early so the message lands where people actually are• After a meeting, ask “What were the main points?” to see what people heard, then tighten your messaging• Invest in onboarding and goal clarity to prevent teams from drifting into competing prioritiesCall to actionIf you enjoyed this conversation, follow and subscribe so you do not miss what is next.

I am a public philosopher, it is my only job. I am enabled to do this job, in large part, thanks to support from my listeners and readers. You can support my work, keep it independent and online, at https://stoicismpod.com/members Looking for more Stoic content? Consider my 3x/week newsletter "Stoic Brekkie": https://stoicbrekkie.com The Iris Council: https://iriscouncil.com In this episode, I focus on the Stoic virtue of Justice and why it matters so urgently right now. Justice, in Stoicism, is not about legality or compliance with the law. It is about fairness. When we confuse what is legal with what is just, we risk excusing serious wrongdoing simply because it has been ratified by those in power. I explain why laws themselves can be unjust, especially when they are created or enforced by leaders who are not acting as protectors and benefactors of their people. If a law is out of alignment with what is fair, then the injustice lies with the law, not with those who recognize its unfairness. This is where Stoicism demands courage rather than passive acceptance. To ground this discussion, I turn to Musonius Rufus and his lecture On That Kings Too Should Practice Philosophy. Musonius argues that rulers must study philosophy because only philosophy teaches justice, self-control, courage, and rational judgment. A good king must be a good person, and a good person, by necessity, is a philosopher. Leadership without moral wisdom is not merely flawed; it is dangerous. I then broaden the lens to our responsibility as Stoics. Stoicism is not withdrawal or indifference. It is rational engagement with the world. The Cardinal Virtues work together: courage enables just action, temperance guides when to act, justice clarifies what is fair, and wisdom grounds us in our role as social beings. Leaders who divide humanity into “our kind” and “not our kind” fail this test of justice, regardless of what the law permits. Finally, I argue that our response to unjust leadership must itself be just. That requires self-examination. Before judging leaders, we must be capable of judging ourselves. A society that does not understand goodness cannot expect just leaders, and leaders drawn from such a society will reflect that confusion. What we need is not blind obedience or reckless outrage, but a serious moral recalibration rooted in Stoic philosophy. Listening on Spotify? Leave a comment! Share your thoughts. Podcast artwork by Original Randy: https://www.originalrandy.com Learn more about your ad choices. Visit megaphone.fm/adchoices

In this week's episode, Jared and Chris explore the difference between creating procedures people follow and building systems people believe in. They explore New Zealand's coffee culture, why team buy-in matters instead of just compliance, and what happens when employees are asked to adopt systems they didn't help create. Along the way, they discuss how strong teams embrace challenges during change — and why respected long-term employees often become the key stewards of lasting system improvement. (00:00) Coffee Culture on the other side of the Planet (05:00) Kiwi Coffee Organizations (11:25) Buy-in vs Compliance (19:25) Employee Ownership of a System They Didn't Create (23:00) Teams Embracing Challenge During Change (34:00) Veteran Employees as System Stewards

Eric Peters (EPAutos.com) warns that immigration enforcement theatrics are conditioning Americans to accept a permanent police state—one built on provocation, spectacle, and immunity rather than law. He connects ICE raids, warrantless snatch tactics, and political kidnapping abroad to a deeper pattern of manufactured emergencies used to normalize force, erase due process, and blur the line between law enforcement and authoritarian power. For 10% off Gerald Celente's prescient Trends Journal, go to https://trendsjournal.com/ and enter the code KNIGHT Find out more about the show and where you can watch it at TheDavidKnightShow.com If you would like to support the show and our family please consider subscribing monthly here: SubscribeStar https://www.subscribestar.com/the-david-knight-showOr you can send a donation throughMail: David Knight POB 994 Kodak, TN 37764Zelle: @DavidKnightShow@protonmail.comCash App at: $davidknightshowBTC to: bc1qkuec29hkuye4xse9unh7nptvu3y9qmv24vanh7Become a supporter of this podcast: https://www.spreaker.com/podcast/the-david-knight-show--2653468/support.