Podcasts about consumer lending

As General Manager of PayPal's Small Business and Financial Services Group, Michelle Gill is responsible for bringing together the products and services that help small business owners run and grow their business. She is my guest for this episode of the Tearsheet Podcast. Michelle brings deep financial expertise and experience building platforms and tools that help customers manage their finances to her role on PayPal's Senior Leadership Team. Michelle was previously Senior Vice President of Intuit's business money management, payment, and banking service, QuickBooks Money Platform. Prior to Intuit, Michelle successfully integrated and expanded SoFi's lending business as General Manager and Executive Vice President of Consumer Lending and Capital Markets. Drawing on her early career experience as a Managing Director and Partner at Goldman Sachs, Michelle also served as SoFi's Chief Financial Officer before moving into the product leadership role. Before that, Michelle spent a decade leading the U.S. Assets business for global investment firm Sixth Street Partners. Given her career and experiences, Michelle brings a broad view of fintech innovation. She focuses on user-centered solutions. At PayPal, she leads efforts to help entrepreneurs navigate the complicated web of financial tools they often depend on. “The preponderance of [small businesses] use greater than 15 tools to run their business,” she shares. “What they got into business for is the passion… and yet they end up spending more time on things that are not what they love.” Our conversation explores how PayPal is actively trying to reduce that complexity. It does so not by offering more tools, but by making the ones they already use work better together. Gill outlines the strategy behind PayPal's cash flow-based lending model and how it fits within their open ecosystem, whether it's digital lending, embedded finance, or leveraging open banking.

In this episode of The Consumer Finance Podcast, Chris Willis is joined by colleagues Jesse Silverman and James Kim to discuss recent developments in New York's legislative efforts to strengthen its consumer financial protection laws. They delve into the recently introduced Fair Business Practices Act, which borrows aspects of the Dodd-Frank Act and seeks to expand the New York Attorney General's powers to mirror those of the Consumer Financial Protection Bureau (CFPB), and its potential impact on businesses and consumers. The discussion highlights the broader trend of states stepping up their consumer protection efforts in response to perceived federal regulatory relaxation. The episode also explores the increasing cooperation and personnel exchange between the CFPB and state regulators, emphasizing the growing influence of state-level enforcement in the consumer financial services landscape. Tune in to understand the implications of these legislative changes and how they might shape the future of consumer financial protection.

In this episode of The Consumer Finance Podcast, Chris Willis is joined by Joe Reilly, a partner in Troutman Pepper Locke's Consumer Financial Services Practice Group, to discuss the events of the first two months of the new Trump administration. They provide a comprehensive overview of the current status of the Consumer Financial Protection Bureau (CFPB), its litigation matters, and its rulemaking efforts. Chris and Joe discuss the significant changes at the CFPB, including the appointment of new acting directors, the impact of the administration's directives on CFPB employees, and the ensuing legal battles. They also explore the status of key rulemakings, such as the 1071 Small Business Data Collection Rule, the overdraft rule, and the credit card late fee rule, offering insights into the potential future of these regulations. Tune in to stay informed about the latest developments in consumer financial services regulation and what they mean for the industry.

In this episode of The Consumer Finance Podcast, Chris Willis is joined by Matt Hansen, Jason Manning, and Michael Lacy, partners in Troutman Pepper Locke's Consumer Financial Services practice group, to discuss the use of mock jury exercises in consumer financial services litigation. They explore what mock jury exercises are, why they are used, and the benefits they provide in preparing for trial. The conversation covers the timing and implementation of these exercises, the insights gained from them, and real-life examples of how they have influenced case outcomes. Tune in to learn how mock jury exercises can help legal teams refine their strategies and improve their chances of success in court.

In this final episode of our Year in Review series, Chris Willis is joined by colleagues David Anthony, Stefanie Jackman, and Jonathan Floyd to discuss the year in review and look ahead for debt collection. They provide crucial updates on significant developments in 2024, including the heightened regulatory focus on medical debt at both federal and state levels, and the implications of the Consumer Financial Protection Bureau's (CFPB) uncertain future. The team also explores the impact of the Supreme Court's Loper Bright decision on agency interpretations and the increasing trend of debt collection litigation moving to state courts. Gain insights into the current legal landscape, potential future developments, and practical advice for navigating these complex issues in 2025. Don't miss this essential discussion for anyone in the consumer financial services industry.

This week on Power House, Diego sits down with Jay Plum, a 35-year banking veteran and the EVP of Consumer Lending at Fifth Third Bank. As the 10th largest bank servicer in the country, Fifth Third Bank has over a thousand branches and $200 billion in assets.  Today's conversation is all about mortgage lending. Jay and Diego talk about Basel III and its impact on warehouse lending, and the important role that the affordability programs like downpayment assistance play in increasing homeownership. They also talk about Fifth Third's focus on MSRs and home equity products, and what they're doing to increase market share in a high-rate environment. Here's what you'll learn: Fifth Third has many mortgage channels, including retail and correspondent. Regulatory changes, such as Basel III, significantly impact the mortgage industry. Affordability remains a key concern for potential homebuyers in a high-rate environment. Fifth Third engages in community initiatives to promote homebuyer education and assistance programs. Servicing mortgages allows Fifth Third to offer additional consumer lending products. Related to this episode: Fifth Third Bank Home Lending | Fifth Third Bank Jay Plum | LinkedIn HousingWire | YouTube Enjoy the episode! The Power House podcast brings the biggest names in housing to answer hard-hitting questions about industry trends, operational and growth strategy, and leadership. Join HousingWire president Diego Sanchez every Thursday morning for candid conversations with industry leaders to learn how they're differentiating themselves from the competition. Hosted and produced by the HousingWire Content Studio. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of The Consumer Finance Podcast, Chris Willis is joined by Jason Manning and Joe DeFazio, partners in Troutman Pepper Locke's Consumer Financial Services practice group. They provide crucial updates on two significant litigation topics: the ongoing litigation surrounding so-called junk fees, particularly convenience fees, and the implications of New York's Foreclosure Abuse Prevention Act (FAPA). They delve into the recent Eleventh Circuit decision on convenience fees, the broader impact of the Consumer Financial Protection Bureau's stance on junk fees, and the challenges posed by FAPA for mortgage lenders and servicers. Listeners will gain insights into the current legal landscape, potential future developments, and practical advice for navigating these complex issues. Don't miss this essential discussion for anyone in the consumer financial services industry.

In this special joint edition of the Consumer Finance Podcast and the Regulatory Oversight Podcast, host Chris Willis is joined by colleagues Stephen Piepgrass, James Kim, Jesse Silverman, and Lane Page to discuss the ongoing changes at the Consumer Financial Protection Bureau (CFPB) and predict how state regulators and legislatures will react to fill the void. This episode explores the anticipated responses from state attorneys general, financial service regulators, and legislatures, and offers strategic insights for industry players to navigate this complex regulatory environment. Tune in to understand the proactive measures your organization can take to stay compliant and ahead of potential state enforcement actions.

In this episode of The Consumer Finance Podcast, Chris Willis is joined by Mary Zinsner and Heryka Knoespel, partners in Troutman Pepper Locke's Consumer Financial Services Practice Group, to discuss the latest in deposit account-related litigation. As part of the Year in Review and Look Ahead series, they delve into significant cases from 2024, including Ponzi schemes, check washing, and elder exploitation scams. They also provide insights into what depository institutions can expect in 2025. Tune in to stay informed about the evolving legal landscape affecting banks and credit unions.

In this third episode of the Year in Review series of The Consumer Finance Podcast, host Chris Willis is joined by Lori Sommerfield, a partner in Troutman Pepper Locke's Consumer Financial Services Practice Group, to discuss significant fair lending and Unfair, Deceptive, or Abusive Acts or Practices (UDAAP) developments during 2024 and what to expect in 2025. They delve into aggressive redlining enforcement actions by federal regulators under the "Combatting Redlining Initiative" during the Biden administration, federal and state regulators' increasing scrutiny of the use of artificial intelligence in consumer lending and potential discrimination claims, the Consumer Financial Protection Bureau's war on "junk fees," and the current status of the Section 1071 final rule. They also offer predictions concerning anticipated changes in the federal agencies' approach to fair lending and UDAAP enforcement under the Trump administration. Tune in for a comprehensive overview and expert insights into these pivotal areas of law, which pose significant regulatory, legal, and reputational risk.

Re-Platforming Your Tech Stack // MLOps Podcast #281 with Michelle Marie Conway, Lead Data Scientist at Lloyds Banking Group and Andrew Baker, Data Science Delivery Lead at Lloyds Banking Group. // Abstract Lloyds Banking Group is on a mission to embrace the power of cloud and unlock the opportunities that it provides. Andrew and his team have been on a journey over the last 12 months to take their portfolio of circa 10 Machine Learning models in production and migrate them from an on-prem solution to a cloud-based environment. During the podcast, Andrew shares his reflections as well as some dos (and don'ts!) of managing the migration of an established portfolio. // Bio Michelle Marie Conway Michelle is a Lead Data Scientist in the high-performance data science team at Lloyds Banking Group. With deep expertise in managing production-level Python code and machine learning models, she has worked alongside fellow senior manager Andrew to drive the bank's transition to the Google Cloud Platform. Together, they have played a pivotal role in modernising the ML portfolio in collaboration with a remarkable ML Ops team. Originally from Ireland and now based in London, Michelle blends her technical expertise with a love for the arts. Andrew Baker Andrew graduated from the University of Birmingham with a first-class honours degree in Mathematics and Music with a Year in Computer Science and joined Lloyds Banking Group on their Retail graduate scheme in 2015. Since 2021 Andrew has worked in the world of data, firstly in shaping the Retail data strategy and most recently as a Data Science Delivery Lead, growing and managing a team of Data Scientists and Machine Learning Engineers. He has built a high-performing team responsible for building and maintaining ML models in production for the Consumer Lending division of the bank. Andrew is motivated by the role that data science and ML can play in transforming the business and its processes, and is focused on balancing the power of ML with the need for simplicity and explainability that enables business users to engage with the opportunities that exist in this space and the demands of a highly regulated environment. // MLOps Swag/Merch https://shop.mlops.community/ // Related Links Website: https://www.michelleconway.co.uk/ https://www.linkedin.com/pulse/artificial-intelligence-just-when-data-science-answer-andrew-baker-hfdge/ https://www.linkedin.com/pulse/artificial-intelligence-conundrum-generative-ai-andrew-baker-qla7e/ --------------- ✌️Connect With Us ✌️ ------------- Join our slack community: https://go.mlops.community/slack Follow us on Twitter: @mlopscommunity Sign up for the next meetup: https://go.mlops.community/register Catch all episodes, blogs, newsletters, and more: https://mlops.community/ Connect with Demetrios on LinkedIn: https://www.linkedin.com/in/dpbrinkm/ Connect with Michelle on LinkedIn: https://www.linkedin.com/in/michelle--conway/ Connect with Andrew on LinkedIn: https://www.linkedin.com/in/andrew-baker-90952289

Overview: Today, we're going to explore PiggyVest - the Nigerian savings and investment platform. We'll discuss the story across the following areas: African Banking & Neobank context  PiggyVest's early history Product & monetization strategy Competitive positioning & potential exit options Overall outlook This episode was recorded on Oct 30, 2024 Companies discussed: PiggyVest, Chipper Cash, Kuda Bank, Paystack, Flutterwave, FairMoney, Paystack, Brass, Cowrywise, Carbon, Chipper Cash, Interswitch, GTBank, Sterling Bank & UBA. Business concepts discussed: Neobank / Challenger bank / digital bank strategy, remittances Neobank monetization & Consumer Lending, consumer FinTech monetization strategy, consumer lending, retail banking strategy, customer segmentation strategy & low-end disruption Conversation highlights: (00:30) - Introduction (05:00) - African Banking & Neobank context (25:30) - Piggyvest's Founding Story (40:15) - Fundraising and Growth (52:30) - Geographical Expansion and Partnerships (01:18:52) - Product and Monetization strategy (01:35:20) - Competition and options for exit (01:54:35) - Bankole's overall thoughts and outlook (02:05:15) - Olumide's overall thoughts and outlook (02:15:45) - Recommendations and small wins Olumide's recommendations & small wins: Recommendation: Sisqo - Got to Get it video - Insane shit. Sisqo singing and dancing his heart out. So dope. Recommendation: Rob Berger's Personal Finance YouTube channel Recommendation: The Patriarch: The Remarkable Life and Turbulent Times of Joseph P. Kennedy. Excellent book. A little bit of everything, entrepreneurship - history, politics, family life & hollywood.  Small win: I spent the week in Cusco & Lima, it was magical and fun. Some sand, some llamas, lots of dancing. Epic shit Bankole's recommendations & small wins: Recommendation: BBC Radio 4 - In Our Time Podcast & Active - Asake Small win: Running 25 miles a week Other content: These Nigerian universities produced the most startup founders - Nairametrics  Listeners: We'd love to hear from you. Email info@afrobility.com with feedback! Founders & Operators: We'd love to hear about what you're working on, email us at info@afrobility.com Investors: It would be great to link up with you. Contact us at info@afrobility.com Join our insider mailing list where we get feedback on new episodes & find all episodes on Afrobility.com

Bryan and Mark go round-robin on the state of the lending world and working with partners to build your lending program. What's the state of the world like in 2024? Bryan looks into his crystal ball to discuss what volumes will be like in 2024 and 2025. What's it like to get pitched by every potential lending partner in America every week? How do you separate the good partners from the pretenders?IN THIS EPISODE:[1:43] Brian shares his background story and that of American Heritage[5:34] Brian reflects on how he ended up in the credit union space[9:29] Brian discusses the last four volatile years in the credit union field[13:45] Discussion of the anticipated events for 2024, what actually transpired, and predictions for the future.[21:22] Discussion of FinTechs and Bryan's appreciation of them if they have shared values and common ideals[27:04] Discussion of NCUA, being transparent and doing due diligence to develop a clear plan [29:54] Brian discusses AI and the displacement of financial institutions, and he uses UBER as an example[33:07] Brian reflects on mistakes and lessons learned KEY TAKEAWAYS: Today, we need to price the secondary market, meaning not just the rate but making sure we're originating based on our guidelines and practices. Then, we should consider making every loan on our balance sheet sellableFrom a member impact, this higher inflationary period meant higher loan payments and home purchase costs. Everything was higher, and you were getting less for your money. The credit impact was higher delinquencyMore importantly than having a plan to use FinTech, you must have a good problem to solve. If you don't have a significant problem, don't work with FinTech to implement a solution. Implement and work with a FinTech to solve a problem you're dealing with todayRESOURCE LINKSMark Ritter WebsiteMark Ritter LinkedInBryan Eichenbaum - LinkedInBIOGRAPHY: Bryan Eichenbaum is the current SVP of Consumer Lending for American Heritage Credit Union, a $5B Credit Union headquartered in Philadelphia. He has over 20 years of experience in lending at various credit unions in New York and New Jersey. Bryan is considered an expert in cultivating strategic opportunities, building niche products and services that align with credit union demographics, mission and values, delivering strong business outcomes that build capital and sustained growth and positions credit unions to remain viable and relevant in a changing financial and economic landscape.

BUSINESS: S&P sees risks in rising consumer lending | August 22, 2024Subscribe to The Manila Times Channel - https://tmt.ph/YTSubscribeVisit our website at https://www.manilatimes.netFollow us:Facebook - https://tmt.ph/facebookInstagram - https://tmt.ph/instagramTwitter - https://tmt.ph/twitterDailyMotion - https://tmt.ph/dailymotionSubscribe to our Digital Edition - https://tmt.ph/digitalCheck out our Podcasts:Spotify - https://tmt.ph/spotifyApple Podcasts - https://tmt.ph/applepodcastsAmazon Music - https://tmt.ph/amazonmusicDeezer: https://tmt.ph/deezerStitcher: https://tmt.ph/stitcherTune In: https://tmt.ph/tuneinSoundcloud: https://tmt.ph/soundcloud#TheManilaTimes Hosted on Acast. See acast.com/privacy for more information.

In this episode of Banking Transformed, recorded at MeridianLink LIVE!, we sit down with Kate Himes, VP of Consumer Lending at Generations FCU, to discuss the modernization of their lending platform, emphasizing the importance of efficient processes, member-centric service and risk management. She highlights their achievement of processing personal loans in under five minutes and explains how they leverage technology partners to streamline operations. Kate also addresses the challenges of implementing rapid changes and the importance of employee buy-in. Finally, Himes shares how Generations FCU uses data analytics for engagement and their vision for future innovations in financial services. This episode of Banking Transformed Solutions is sponsored by MeridianLink MeridianLink® (NYSE: MLNK) powers digital lending and account opening for financial institutions and provides data verification solutions for consumer reporting agencies. MeridianLink's scalable, cloud-based platforms help customers build deeper relationships with consumers through data-driven, personalized experiences across the entire lending life cycle. MeridianLink enables customers to accelerate revenue growth, reduce risk, and exceed consumer expectations through seamless digital experiences. Its partner marketplace supports hundreds of integrations for tailored innovation. For more than 20 years, MeridianLink has prioritized the democratization of lending for consumers, businesses, and communities. Learn more at meridianlink.com.

According to WalletHub, 85% of college students already have a credit card. It's tempting to keep accepting new credit card and loan offers, especially with the freedom to make big purchases. However, it's important to make informed decisions. Cristina and Randy sat down with Gabrian Calkins, Assistant Manager of Consumer Lending at Addition Financial, for some expert insight. - Addition Financial Resource Center: https://resources.additionfi.com/ - Learn more about Addition Financial: https://hubs.la/H0zbJ0W0 - Learn more about Seminole State College: https://www.seminolestate.edu/

Alex is joined by Danielle Sesko, Director of Product Management and Innovation at TruStage, to delve into the crucial role of embedded payment insurance in lending and its potential to enhance consumer financial health. How does payment insurance safeguard borrowers against job loss or disability, lower delinquency rates, and boost lender competitiveness? Danielle and Alex explore the rise of digital lending and discuss why the need for payment insurance across the lending industry has grown over the past few decades. With consumers one paycheck away from making a loan payment— and unemployed consumers being forced to take out loans while they struggle for months to find a new job— loan payment insurance is more relevant than ever before. So what role can it play in helping consumers to become more financially secure? And is there a way to design a better product that benefits both consumers and lenders?  To learn more about Cornerstone Advisors, visit https://www.trustage.com/business/insights/financial-trends/embedded-payment-insurance-digital-lending-research?utm_source=fintechtakes&utm_medium=LEN_B2B_cmg_np&utm_campaign=cornerstone-whitepaper&utm_content=link_subject-line_webinar-asset-link&utm_term=june-2024 00:04:46 - Payment Insurance Products 00:06:40 - Protecting Cash Flow with Loan-Connected Insurance 00:07:50 - Consumer Lending and Payment Insurance 00:14:55 - Digital Lending Simplified 00:20:07 - Shrinking Bank Market Share Post-Crisis 00:21:44 - Specialized Lending Ecosystem for Digital Lenders 00:28:46 - Consumer Financial Health's Impact on Insurance 00:32:39 - Living Close to the Edge: Financial Struggles Across Segments 00:41:19 - Loan Protection Against Economic Risks 00:52:28 - Embedded Payment Insurance Revolutionizes Lending 00:56:03 - Impact of Collections on Business Sign up for Alex's Fintech Takes newsletter for the latest insightful analysis on fintech trends, along with a heaping pile of pop culture references and copious footnotes. Every Monday and Thursday: https://workweek.com/brand/fintech-takes/   And for more exclusive insider content, don't forget to check out my YouTube page.   Follow Danielle: LinkedIn: https://www.linkedin.com/in/danielle-sesko-cpa-770b3312/   Follow Alex:  YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos LinkedIn: https://www.linkedin.com/in/alexhjohnson Twitter: https://www.twitter.com/AlexH_Johnson  

Part One: Live From TransUnion's 2024 Financial Services Summit, Las Vegas In part one of the 2024 FS Summit episode, credit union VPs Heather Dufourny (Service Credit Union) and Heather Sullivan (Randolph-Brooks Federal Credit Union) sit down with Craig and Josh in Las Vegas to discuss the goings-on in the credit union industry. Craig is curious to hear which products members are most interested in, and wonders how Dufourny's and Sullivan's credit unions are responding to the financial squeeze many members are experiencing. Dufourny and Sullivan share how each of their organizations are utilizing this slow period — from preparing for an eventual refinance boom to diversifying portfolios — and agree balancing a seamless member experience with the need for increased fraud controls has been a challenge within the industry. Josh wraps things up by asking which key elements they're focusing on to draw in a younger demographic, and is keen to know how a credit union decides when to bring in new technology or systems. The information discussed in this podcast constitutes the opinion of TransUnion, and TransUnion shall have no liablity for any actions taken based upon the content of this podcast.

Guest FJ Guarrera puts Craig and Josh in the hot seat this month with questions around recent consumer performance, trends and preferences in the card industry. The conversation kicks off with a macroeconomic view of the market since last quarter — ranging from consumer sentiments to card balances and originations to the impact consumer stress levels are having on their financial health. FJ asks how issuers should be responding to elevated risk in the marketplace, and Josh shares strategies lenders might consider to alleviate some of that pressure. Craig shares an update on the private label market; Josh weighs in on when migrating scores may start to normalize; and the conversation ultimately shifts to what issuers can be doing to better understand Gen Z preferences and behaviors — particularly given market dynamics over the last few years. The information discussed in this podcast constitutes the opinion of TransUnion, and TransUnion shall have no liablity for any actions taken based upon the content of this podcast.

In This Episode Todays' Breaking Banks spotlights sister podcast Finovate, featuring host Greg Palmer's recent interviews on the Future of Real-Time Payments with The Clearing House's, Jim Colassano, SVP Product Development & Strategy and a new report on Cost of Living, Lending and Insights from Tink with Jack Spiers, Banking & Lending Director, UK & Ireland. Finovate Spring is around the corner, May 21 - 23, 2024 in San Francisco, CA. Check it out!

In a special episode of the Lending Link Podcast, recorded at the Fintech Meetup in Las Vegas on March 3-6, 2024, host Rich Alterman sits down with Matthew Gomes, General Manager of Consumer Lending and Banking at Argyle. Together, they delve into the significant impact of payroll API technology on financial services, particularly in streamlining and improving income and employment verification for financial institutions. The conversation highlights Argyle's role in modernizing how financial institutions verify income and employment. By replacing outdated, labor-intensive verification methods with efficient, automated solutions, payroll API platforms empower consumers to directly share their financial data. This evolution leads to quicker, more accurate lending decisions. Listen to this episode to understand how innovation and efficiency are shaping the future of financial services through the lens of payroll API technology.

Nate Gee hosts Gal Krubiner, Co-founder and CEO of Pagaya, whose AI-driven network of investors, lenders, and borrowers aims to reshape the credit underwriting process and extend financial opportunity to more consumers. In this episode, they cover: - Gal's motivation for founding Pagaya - How qualified loan applicants can be left behind in traditional credit underwriting - Pagaya's AI-driven lender network and how it works - The future of AI in financial services - Pagaya's IPO in 2021 - And much more! About Pagaya Technologies Pagaya was founded in 2016 with a goal to promote financial inclusion through improved credit underwriting and evaluation. It aims to build the leading AI network to enable better outcomes and create new credit opportunities for financial services providers and their customers. The company became publicly listed in 2021 (NASDAQ: PGY). About Gal Krubiner Gal Krubiner has served as Pagaya's Chief Executive Officer since he co-founded the company in 2016. Prior to co-founding Pagaya, Gal focused on structuring and distributing sophisticated credit and asset-backed securities products at UBS AG. He's also held other roles in investments, entrepreneurship, and financial markets. Gal graduated from Tel Aviv University in 2012. For more FinTech insights, follow us on: WFT Medium: medium.com/wharton-fintech WFT Twitter: twitter.com/whartonfintech WFT Instagram: instagram.com/whartonfintech Nate's LinkedIn: https://www.linkedin.com/in/nathan-c-gee/

SMBC ManuBank CRO Mike Leary joins the podcast this month to discuss the relationship between risk and financial institutions in today's economic environment. Mike and Craig discuss the lesser-known risks impacting portfolios today, including hidden buy now, pay later loans and credit score inflation. Mike weighs in on positioning a card portfolio in uncertain times; explains why some banks are using credit cards as transactional products; and stresses the need for working tools to properly assess the stability of consumer credit scores. Josh asks for Mike's opinion on which market innovations hold the most promise or red flags, and Mike ideates on what younger generations of employees can do to be successful in today's unusual workforce. Plus, Mike thinks back on his time as a collegiate cross country athlete and how a team-oriented mentality has helped positively shape his career. The information discussed in this podcast constitutes the opinion of TransUnion, and TransUnion shall have no liablity for any actions taken based upon the content of this podcast.

In this episode of Market Minutes, Zoya Springwala talks about the key factors to watch out for today, from RBI's increase of risk weight by 25 percent on consumer credit exposure of banks and NBFCs, IDBI Bank's upcoming stake sale to the global market set up. Also, catch Vinit Bolinjkar on the Voice of the Day segment. Market Minutes is a morning podcast that puts the spotlight on hot stocks, key data points, and developing trends.

Mark Gurman already has details on a cheaper Vision Pro. Minecraft passes 300 million units sold. Why prompt injection is THE security issue of the AI era. And what if Nikola Tesla's dream of sending electrical energy over distance without any wires is slowly becoming a thing?Sponsors:Collective.com/rideCrucibleMoments.comLinks:Apple Renews Top Ranks With Wave of Executive Promotions (Bloomberg)A New Protocol Vulnerability Will Haunt the Web for Years (Wired)Goldman Sachs Wants Out of Consumer Lending. Employees Say It Can't Happen Fast Enough. (WSJ)Multi-modal prompt injection image attacks against GPT-4V (Simon Willison's Blog)Minecraft has sold over 300 million copies (The Verge)Microsoft's Activision Buy Extends Nadella's Decade of Deals (WSJ)I'm Charging My Toothbrush With Wireless Power Over Distance—and It's a Trip (Wired)See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Mark Gurman already has details on a cheaper Vision Pro. Minecraft passes 300 million units sold. Why prompt injection is THE security issue of the AI era. And what if Nikola Tesla's dream of sending electrical energy over distance without any wires is slowly becoming a thing?Sponsors:Collective.com/rideCrucibleMoments.comLinks:Apple Renews Top Ranks With Wave of Executive Promotions (Bloomberg)A New Protocol Vulnerability Will Haunt the Web for Years (Wired)Goldman Sachs Wants Out of Consumer Lending. Employees Say It Can't Happen Fast Enough. (WSJ)Multi-modal prompt injection image attacks against GPT-4V (Simon Willison's Blog)Minecraft has sold over 300 million copies (The Verge)Microsoft's Activision Buy Extends Nadella's Decade of Deals (WSJ)I'm Charging My Toothbrush With Wireless Power Over Distance—and It's a Trip (Wired)See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

TransUnion SVP of Auto, Satyan Merchant, joins Craig and Josh this month to discuss emerging trends within the US auto financing market. We begin with Satyan touching on today's top auto industry headlines — from supply chain issues and high interest rates impacting consumer affordability to major shifts in market share. Satyan describes how technology-forward dealerships and lenders are modernizing the industry by offering online-to-offline car shopping experiences, and shares how lenders should be thinking about the growing number of credit-active Gen Z consumers. Josh and Craig ask for Satyan's opinion on the future of vehicle values and supply, and what that means from a credit standpoint; they discuss the return of incentive programs; and Satyan draws comparisons between the auto and mortgage financing markets. *Plus, take a look at the TransUnion study Satyan references in the episode: https://www.transunion.com/lp/impact-of-unsettled-vehicle-values The information discussed in this podcast constitutes the opinion of TransUnion, and TransUnion shall have no liablity for any actions taken based upon the content of this podcast.

TransUnion Head of US Government Relations, Allison Shuster, returns to Extra Credit this month to discuss the political and legislative activities currently impacting the US financial services industry. Craig and Allison start by discussing the proposed Fair Credit Reporting Act (FCRA) rulemaking process expected to take place later in 2023, whether government partisanship is as challenging as it's portrayed in the media, and how legislators are turning to the private sector to help inform policy decisions. Next Josh and Allison talk about the major focus areas for regulators that might not be as headline-grabbing, including a politically-stalled federal privacy standard and AI governance concerns cropping up in both the Senate and Congress. Finally, Josh asks Allison how the upcoming presidential election cycle will impact the pace of legislation; they discuss how states are looking at the use and treatment of medical debt on the credit file; and Allison urges listeners to pay attention to the uptick in agency activity (particularly from the CFPB and FHFA) within the housing market. The information discussed in this podcast constitutes the opinion of TransUnion, and TransUnion shall have no liablity for any actions taken based upon the content of this podcast.

P.M. Edition for July 19. Goldman Sachs posts a big loss in the second quarter, but our Heard on the Street reporter Telis Demos explains why the path ahead is clear. Plus, business and labor unions are squaring off over artificial intelligence, as regulators look to lessons learned from efforts to rein in social media. Tech policy reporter Ryan Tracy and AI reporter Deepa Seetharama explain. Annmarie Fertoli hosts.  Learn more about your ad choices. Visit megaphone.fm/adchoices

Joining Craig and Josh this month is Melissa Koide, Founder and CEO of FinRegLab — a nonprofit organization that tests and researches technology to help inform public policy and advance financial inclusion. Melissa touches on some of FinRegLab's key initiatives, including the use of cashflow data to predict credit risk and assess populations with limited or no credit history; new research the organization is doing on machine learning algorithms being used in financial services; and a partnership with Kenya's government, banks and bureaus to determine the optimal data insights needed for credit risk assessing women-owned small businesses. The group also discusses regulatory uncertainties keeping the financial industry from wider adoption of new types of data, and muses over the laws and regulations that could one day surround artificial intelligence and platforms like ChatGPT. Finally, Josh tests Melissa's Kentucky knowledge with some light trivia about her hometown. The information discussed in this podcast constitutes the opinion of TransUnion, and TransUnion shall have no liablity for any actions taken based upon the content of this podcast.

In this episode of the Risk Intel podcast, host Ed Vincent engages in a conversation with Amitabh Bhargava, a seasoned professional in the risk space, specializing in Credit Risk. Amitabh's impressive career spans roles as a commercial underwriter at ICICI Bank and an 18-year tenure at Capital One, where he oversaw credit analytics and research for the consumer and wholesale portfolio, as well as executive credit risk assessment and portfolio modeling. Amitabh currently heads the credit portfolio management practices within SRA's credit consulting team. Listen to learn more about the state of consumer lending and credit prospects for auto lending and how this impacts risk management across the banking sector.Follow us to stay in the know!

China Grapples with Hangover From Consumer Lending Boom - The banking regulator has expanded a pilot program for disposal of nonperforming personal loans, allowing hundreds of financial institutions to offload their bad debt.Click here to read the article by Zhang Yuzhe and Jill Yang.Narrated by Cliff Larsen.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

On this episode of The Six Five – On The Road Partner Edition, hosts Daniel Newman and Patrick Moorhead welcome MongoDB's Alan Chhabra, EVP Worldwide Partners, Wells Fargo's Nadeem Kayani, EVP/CIO of Consumer Lending and Capgemini's Arindam Choudhury, VP, Banking & Capital Markets, Head of Global Insights & Data. Their discussion covers: Insights into the innovations happening in the area of financial transactions What Wells Fargo is focusing on to bring new features to improve the customer experience, save costs and modernizing for the future How they're prioritizing at the c-suite level where everything is important How Capgemini is working with its partners to help their customers modernize and innovate within Financial Services An overview of MongoDB's announcement launching Atlas for Industries Be sure to subscribe to The Six Five Webcast, so you never miss an episode.

Director of Consumer & Small Business Lending Lindsay Burkhalter joins host Rutger van Faassen to discuss Curinos' recent Perspective “Precision Pricing in Small Business Lending,” co-written by Lindsay and Adam Lee Purvis (Director, Real Estate & Consumer Lending). Read the Perspective: https://curinos.com/our-insights/curinos-perspective-precision-pricing-small-business-lending/Rate and subscribe! | Learn more at curinos.com | Questions or feedback? Email us at finsights@curinos.com

Bartek Staszewski has seen the credit industry change during his career, but he's also seen his country change, and in the amplification of those two forces there's plenty of insights for all of us. Join us as we start Money20/20 week with a discussion of the Polish consumer credit landscape and about lessons learned from the coal face of one of the most changed markets in the world.You can learn more about myself, Brendan le Grange, on my LinkedIn page (feel free to connect), my action-adventure novels are on Amazon, some versions even for free, and my work with ConfirmU and our gamified psychometric scores is at https://confirmu.com/ and on episode 24 of this very show https://www.howtolendmoneytostrangers.show/episodes/episode-24 And if you're at Money20/20 in Amsterdam this week, come say hello at the MoneyPot Booth where I'll be recording shows on Wednesday and Thursday.Oh, and if you're in need of more banking podcasts, you can find related content at https://blog.feedspot.com/banking_podcasts/If you have any feedback, questions, or if you would like to participate in the show, please feel free to reach out to me via the contact page on this site.Regards, Brendan Hosted on Acast. See acast.com/privacy for more information.

This episode features an interview with Stacy Armijo, Chief Experience Officer at Amplify Credit Union. Amplify is a member-owned financial cooperative with more than 57,000 members and over $800 million in assets. They've been serving all 50 states since 1967. At Amplify, Stacy is in charge of Marketing, Communications and Social Impact. She also handles Retail, Payments & Operations, Human Resources and Training. She has over 20 years of professional experience in the industry. In this episode, Stacy explains how to build meaningful, impactful programs to create a job you love. She describes effective PR strategies, and what resources are most important for any company.Quotes*“I have a unique skill set in bringing the right words to the right ideas to make those ideas meaningful and impactful for others. And when I think about what combines all the things that I do, and the moments in my professional or personal world where I have felt like I really did something, like I really made an impact and it was unique and it was valuable, it can be boiled down to something sort of like that.”*“I think so often people underestimate what they do well. They tend to focus only on what they don't do well and how can they mitigate the liabilities of what they don't do well as opposed to, ‘I do this really well, how can I lean into that and make that more effective?'”*“In my career, I think about, ‘What is my current experience and does it satisfy all three Gs? Am I giving something? Do I feel like I'm contributing in a way that's meaningful and useful? Am I getting something? Is there something that I'm getting back in terms of what I'm learning and how I'm growing? And do I feel gratitude? Do I feel gratitude for the people I get to work with, for the compensation that I get to earn for all the opportunities that I have to be involved in things?' And if I can say yes to all three Gs, I'm in the right place.”*“In my opinion, someone who is an effective public relations professional is good at anticipating the point of view of the people that they're interacting with. Understanding the messages that have meaning for them. And expressing them in a way that gets somebody to move to action. In essence, that's what a good PR person can do. That's not different from what a good customer service person can do.”*“I see an opportunity to be more authentic and to connect to something that's more real for people. And then to take the personality of the institution and carry that through.”*“Money is not your most precious resource. It is attention. Attention is your most precious resource in an organization. And so to be able to say ‘great idea, not today,' is something that I do all the time.”Time Stamps[00:03:17] Stacy's elevator pitch[00:11:39] How Stacy's career started[00:14:55] The overlap between PR and CX[00:16:42] Making your work personal[00:22:31] Making the most of your resources[00:25:41] Designing online channels[00:31:09] Prioritizing digital customer service[00:35:23] The start of fee-free banking[00:40:26] The future of CX[00:47:08] Making the most of your strategyBioStacy is Chief Experience Officer with Amplify Credit Union, a $2B community financial institution based in Austin, Texas. At Amplify, her responsibilities include (1) Marketing, Communications and Social Impact; (2) Retail, including Branches, Contact Center, Wealth Management and Consumer Lending; (3) Payments & Operations; and (4) Human Resources and Training. She started her career in communications, having spent over 16 years at Pierpont Communications and working up from an account executive to EVP. She brings with her over 20 years of professional experience overall, and has also served as a Lecturer at the Stan Richards School of Advertising and Public Relations at UT at Austin. There, she taught “Strategies in Public Relations.”Thank you to our friendsThis podcast is brought to you by HGS. HGS is a digital customer experience leader dedicated to delivering winning customer interactions at scale that are prompt, personal, and positive. We continuously transform, optimize, and grow enterprises to exceed ever-rising customer expectations. HGS provides our clients with the right talent and technologies needed to champion every moment. Learn more at hgs.cx.LinksSee Stacy's WebsiteLearn more about Amplify Credit UnionConnect with Larry on LinkedInCheck out HGS

In this month's episode, credit union leaders Kaylyn Leese and Michael Kelly join Craig and Josh onsite at TransUnion's 2023 Financial Services Summit in Chicago. Kaylyn and Michael begin by sharing what they're excited about within the lending space followed by a discussion of the challenges credit unions are up against — including a competitive market and balancing new technology — as they pursue opportunities to support their members and communities. Our guests then weigh in on the pressure credit unions are facing to deliver high-touch, digital experiences; Josh wonders how each of their credit unions is handling change management initiatives; and the group discusses how automating processes can be very positive for employees willing to take on new skills and grow in their careers. Plus, Craig and Josh are put to the test when Kaylyn and Michael ask some questions in return! Our hosts offer their perspectives on the future of the mortgage industry, as well as explore potential fraud concerns that could arise from growing consumer pressures around immediacy in lending. Finally, to celebrate recording onsite in Chicago, Craig and Josh quiz our guests on some fun Windy City history. The information discussed in this podcast constitutes the opinion of TransUnion, and TransUnion shall have no liablity for any actions taken based upon the content of this podcast.

This month on the podcast, TransUnion Chief Information and Technology Officer Abhi Dhar joins Craig and Josh to discuss how credit lenders are contending with technology enablement trends in the financial services industry. Josh and Abhi kick the conversation off by examining the global business drivers impacting how organizations — and especially leadership — are thinking about technology. Abhi notes how the pandemic accelerated cloud adoption for many financial institutions, and emphasizes how important it is for business leaders to appeal to engineering talent. Abhi then addresses what lenders can do to better adapt to these significant market changes, and Craig asks Abhi for his opinion on how tech can improve global consumer access to financial services or financial outcomes. Finally, Josh tests our guest's knowledge of an old favorite band of his: The Chemical Brothers! The information discussed in this podcast constitutes the opinion of TransUnion, and TransUnion shall have no liablity for any actions taken based upon the content of this podcast.

After focusing on market forecast trends in last month's episode, Craig and Josh are diving deeper to examine the competitive dynamics currently facing issuers — and how technology is shaping that competition. They are joined by David Shipper, a strategic advisor at research firm Aite Novarica with expertise in the card and payment space. Josh and David start by discussing the power of convenient payment methods, and how alternative digital payment apps are creating shifts in the market. David points out key customer-centric trends being overlooked by many financial institutions, while highlighting opportunities for banks willing to examine their own internal processes and digital strategies. Josh and Craig then ask David to share his advice for smaller FIs without large tech budgets, and the steps they can take to compete for market share; they discuss the growing number of partnerships between fintechs and banks; and Craig and David discuss banks' debit card and deposit populations as a source of potential card growth. Finally, David dominates Josh's credit-themed trivia questions! The information discussed in this podcast constitutes the opinion of TransUnion, and TransUnion shall have no liablity for any actions taken based upon the content of this podcast.

Stay connected with The Lending Link! Subscribe and follow our listening and social platforms, plus access exclusive GDS Link offerings here: https://linktr.ee/thelendinglink On this episode of The Lending Link, we delve into the rapidly growing world of Buy Now Pay Later (BNPL) services. With the BNPL market expected to reach a staggering $467.34 billion by 2026, this innovative payment option is changing the way consumers approach shopping and financial management. Our guest, Liz Pagel, SVP and Consumer Lending Business Leader at TransUnion, shares her passion for BNPL, how it may further financial inclusion, and the challenges of accurately defining it in credit reporting. Rich and Liz also provide valuable insights into the current state of BNPL lending and the efforts being made to improve the industry, including: • Overcoming BNPL challenges, such as updating infrastructures and educating lenders on dispute handling • The evolution of underwriting in the BNPL space and the move towards traditional methods, using dynamic credit models and fraud checks • The role of open-banking data in BNPL credit reporting • Promoting women in management roles within the FinTech space and the industry's progress in promoting women into senior-level positions Don't miss out on this informative discussion on the future of BNPL services. Tune in now! Show Notes In this episode, we take a deep dive into the world of Buy Now Pay Later (BNPL). Access the resources below to learn more about this topic:

To kick off our first episode of the year, TransUnion's Michele Raneri (VP of Financial Services Research and Consulting) and Kathy Maffei (Sr. Director of Argus Advisory, a TransUnion Company) join this month's podcast to share their predictions for 2023. Michele begins with a conversation on originations and delinquencies in the personal loan, mortgage and auto industries, and the resulting impact they could have on consumer credit health in the US. She and Craig discuss how consumers are still quitting their jobs in record numbers — despite believing a recession is coming — and what that means for consumer confidence around personal finances. Michele also explains why she believes the auto industry will see a much-needed bolster in 2023, while the personal loan sector could be facing some challenges. Next, Kathy and Josh look at the growth and strength of credit cards and deposits in a post-COVID rate environment, with Kathy noting banks should be focused on the ‘total customer perspective' by emphasizing customer loyalty with multiple products across a singular financial institution. Kathy and Josh also discuss the importance of continuing to grow balances amid challenging credit losses, and the opportunities credit card issuers can find simply by focusing on the middle of their portfolios. Finally, we get to know Michele and Kathy a little better in a lightning round of questions on their favorite topics (outside of financial services, of course): running and geography! — For questions or to suggest an episode topic, please email ExtraCredit@transunion.com. The information discussed in this podcast constitutes the opinion of TransUnion, and TransUnion shall have no liablity for any actions taken based upon the content of this podcast.

Today's guest is Mark London, Chief Risk Officer for Abound, formerly known as Fintern – a startup specializing in data-driven approaches to small consumer loans. In conversation with Emerj CEO and Head of Research Daniel Faggella, Mark talks about the differences in small and large consumer loans from a data perspective and how lenders can decrease their risk without treating credit scores as the end-all-be-all. And later, they discuss new business opportunities coming from the democratization of data and how long it will take before legacy financial institutions can truly reap the benefits. If you've enjoyed or benefited from some of the insights of this episode, consider leaving us a five-star review on Apple Podcasts, and let us know what you learned, found helpful, or liked most about this show!

Plus: JPMorgan Chase profit rose 6% last quarter; Citigroup profit fell 21%. Johnson & Johnson vastly scales back efforts to produce its Covid-19 vaccine. J.R. Whalen reports. Learn more about your ad choices. Visit megaphone.fm/adchoices

To close out the year with a bang, December's Extra Credit episode is a double-header. Paul Siegfried, TransUnion Head of Card and Banking, joins Josh and Craig for a two-part podcast where he shares his perspectives on current consumer and competitive trends in the credit card market, and how issuers can differentiate and position themselves for growth. Part two of episode 12 kicks off with the second half of the car-themed trivia before honing in on competitive pressures facing different card issuer segments as they position themselves to acquire and retain customers, transactions and balances. Paul explains the practical value of using trended credit and alternative data to better know and understand consumers — and why that's critical to winning share of wallet. He also offers a personal take on generational differences in consumer expectations for credit and credit products. — For questions or to suggest an episode topic, please email ExtraCredit@transunion.com. The information discussed in this podcast constitutes the opinion of TransUnion, and TransUnion shall have no liablity for any actions taken based upon the content of this podcast.

To close out the year with a bang, December's Extra Credit episode is a double-header. Paul Siegfried, TransUnion Head of Card and Banking, joins Josh and Craig for a two-part podcast where he shares his perspectives on current consumer and competitive trends in the credit card market, and how issuers can differentiate and position themselves for growth. In part one of episode 12, the conversation explores the financial health of the American consumer and credit market dynamics, including how issuers are faring relative to other lending institutions, and what they're thinking about as they look to 2023. Paul also reveals what issuers should expect from fraudsters and offers thoughts on how to best mitigate risk. Plus, in true Extra Credit tradition, Craig gets Paul's motor running with some hard-driving trivia on one of Paul's favorite subjects. — For questions or to suggest an episode topic, please email ExtraCredit@transunion.com. The information discussed in this podcast constitutes the opinion of TransUnion, and TransUnion shall have no liablity for any actions taken based upon the content of this podcast.

In this episode of Money Tales, our guest is Julius Robinson. As Julius explains, he came from pretty meager beginnings, raised by a single mother of four kids, living in one of the traditionally low-income areas of Los Angeles. When he was a college student, Julius made a commitment to himself to shine a proverbial light over his shoulders so that others wouldn't stumble on the potholes and rocks in the path he was taking. As he continues through life, Julius has come to understand that the beacon of light he's creating needs to be amplified by the people following him. Doing so creates opportunities where people and communities can manifest themselves. Julius is Managing Director and Head of MUFG Union Bank's Corporate Social Responsibility (CSR) Group for the Americas. He is responsible for company-wide CSR strategy and programs in the United States, Latin America, and Canada, including charitable giving, community outreach, environmental, and Chief Community Reinvestment Act (CRA) compliance officer, directing resources and investments, Supplier Diversity and Environmental Stewardship Policy & Risk. Julius is an integral part of the bank's government relations & affairs activities; he Chair's the MUFG Union Bank Foundation, the nonprofit entity that acts as the agent for the bank's charitable contributions. He plays a key role in the bank's overall Community Development strategy in organizing the bank's cross-functional resources to benefit of low and moderate income and minority majority communities. Julius joined the bank in 1997 and has more than 43 years of banking experience. He has held position of management and progressive responsibilities with several major financial institutions including San Diego Trust & Savings Bank, Crocker Bank, Union Bank, Chase Manhattan, Home Savings of America, GMAC Mortgage prior to his 25-year career with MUFG Union Bank. Julius has comprehensive knowledge of Credit Analysis & Underwriting Risk, Residential Mortgage Origination, Commercial and Consumer Lending, Private Equity Investment, Community Reinvestment Act Compliance, Philanthropy, Supplier Diversity, Environmental & Social Risk Governance, Community Relations, and Governmental Affairs. Julius is well known for his community involvement as: Chairman of  the Board of Students Rising Above.org; Museum of African Diaspora (MoAD), Board Secretary; SF Jazz.org, Board of Trustees; Western Regional Minority Supplier Diversity Council (WRMSDC), Corporate Advisory Board;  Operation HOPE Regional Committee; California State University Monterey Bay School of Business, Corporate Advisory Board; USC Latino Alumni Assoc, Corporate Advisory Council; L.A. Latino Chamber, Corporate Advisory Board; and former Committee co-chair of the Bay Area Council's Workforce for the Future: Boys and Men of Color Initiative. Julius received his Bachelor of Arts degree in International Relations and Diplomacy with a minor in Economics from the United States International University, San Diego & Mexico. He completed the post-graduate program with Pacific Coast Banking School at University of Washington, Seattle. In addition, he holds a Certificate of Practice in Corporate Community Involvement from Boston College Carroll School of Management. Julius has received numerous awards and recognitions for his professional accomplishments and community work. These include Senatorial, Congressional, State and City proclamations, awards and recognitions from nonprofit, NGO, and professional organizations. Julius has two adult sons. He enjoys sports of all kinds but particularly basketball, football, and tennis.  He is an avid runner and enjoys general fitness including hiking in the East Bay Regional Park hills near his home. Other favorite pastimes include live music of various genres, and he is an avid art and wine collector. See all episodes >

In this episode of Money Tales, our guest is Julius Robinson. As Julius explains, he came from pretty meager beginnings, raised by a single mother of four kids, living in one of the traditionally low-income areas of Los Angeles. When he was a college student, Julius made a commitment to himself to shine a proverbial light over his shoulders so that others wouldn't stumble on the potholes and rocks in the path he was taking. As he continues through life, Julius has come to understand that the beacon of light he's creating needs to be amplified by the people following him. Doing so creates opportunities where people and communities can manifest themselves.Julius is Managing Director and Head of MUFG Union Bank's Corporate Social Responsibility (CSR) Group for the Americas. He is responsible for company-wide CSR strategy and programs in the United States, Latin America, and Canada, including charitable giving, community outreach, environmental, and Chief Community Reinvestment Act (CRA) compliance officer, directing resources and investments, Supplier Diversity and Environmental Stewardship Policy & Risk. Julius is an integral part of the bank's government relations & affairs activities; he Chair's the MUFG Union Bank Foundation, the nonprofit entity that acts as the agent for the bank's charitable contributions. He plays a key role in the bank's overall Community Development strategy in organizing the bank's cross-functional resources to benefit of low and moderate income and minority majority communities.Julius joined the bank in 1997 and has more than 43 years of banking experience. He has held position of management and progressive responsibilities with several major financial institutions including San Diego Trust & Savings Bank, Crocker Bank, Union Bank, Chase Manhattan, Home Savings of America, GMAC Mortgage prior to his 25-year career with MUFG Union Bank. Julius has comprehensive knowledge of Credit Analysis & Underwriting Risk, Residential Mortgage Origination, Commercial and Consumer Lending, Private Equity Investment, Community Reinvestment Act Compliance, Philanthropy, Supplier Diversity, Environmental & Social Risk Governance, Community Relations, and Governmental Affairs.  Julius is well known for his community involvement as: Chairman of  the Board of Students Rising Above.org; Museum of African Diaspora (MoAD), Board Secretary; SF Jazz.org, Board of Trustees; Western Regional Minority Supplier Diversity Council (WRMSDC), Corporate Advisory Board;  Operation HOPE Regional Committee; California State University Monterey Bay School of Business, Corporate Advisory Board; USC Latino Alumni Assoc, Corporate Advisory Council; L.A. Latino Chamber, Corporate Advisory Board; and former Committee co-chair of the Bay Area Council's Workforce for the Future: Boys and Men of Color Initiative.Julius received his Bachelor of Arts degree in International Relations and Diplomacy with a minor in Economics from the United States International University, San Diego & Mexico. He completed the post-graduate program with Pacific Coast Banking School at University of Washington, Seattle. In addition, he holds a Certificate of Practice in Corporate Community Involvement from Boston College Carroll School of Management.Julius has received numerous awards and recognitions for his professional accomplishments and community work. These include Senatorial, Congressional, State and City proclamations, awards and recognitions from nonprofit, NGO, and professional organizations.Julius has two adult sons. He enjoys sports of all kinds but particularly basketball, football, and tennis.  He is an avid runner and enjoys general fitness including hiking in the East Bay Regional Park hills near his home. Other favorite pastimes include live music of various genres, and he is an avid art and wine collector.Learn more about Money Tale$ > Subscribe to the podcast

The credit card market is the focus when Craig and Josh sit down with Bill Bostwick, Senior Vice President and Head of Atlanticus' card division. A veteran leader in the card space, Bill brings deep experience to his role as he partners with banks, retail and healthcare organizations to help the financially underserved manage their financial well-being. This conversation discusses upcoming challenges in the card market, and explores how the industry can address potential obstacles — for both issuers and consumers — as the economy continues to evolve. Reflecting on recent trends and what they foretell, Bill shares valuable insights on market dynamics and whether issuers are prepared to manage through a downturn. He talks about different ways to use data, and suggests the rising importance of alternative data — especially as consumers consider alternate financial solutions as inflationary pressures start to hit. He also covers consumer performance and support, including the need for better and more widespread financial education. Plus, Craig challenges Bill on the gridiron with hard-hitting trivia questions about his favorite NFL team, the Chicago Bears. For questions or to suggest an episode topic, please email ExtraCredit@transunion.com. The information discussed in this podcast constitutes the opinion of TransUnion, and TransUnion shall have no liablity for any actions taken based upon the content of this podcast.

To gain perspective on where our economy stands and where it's headed, we're delighted to welcome Ryan Boyle to this month's podcast. A macroeconomist at Northern Trust — and TransUnion alumnus — Ryan brings deep knowledge and practical insight on multiple forces at play, giving us a better understanding of what's actually happening and how. In this episode, Josh and Craig ask Ryan about the current state of the US economy and how it fits within the global context. Ryan shares his perspectives on labor and employment trends, supply chain issues, inflation — and the implications for consumer lending. He adds context to today's dynamics by looking back at how previous global events affected the US economy. He also shares his longer-term concerns for future economic impacts. Plus, Josh tests Ryan's memories of his days at University of Chicago with trivia questions about distinguished alumni, campus life and more. — For questions or to suggest an episode topic, please email ExtraCredit@transunion.com. The information discussed in this podcast constitutes the opinion of TransUnion, and TransUnion shall have no liablity for any actions taken based upon the content of this podcast.

Digital strategies are not just for deepening relationships with your customers. The digital experience is also a way to refine and improve processes while also building community and trust. Today's guests Mary Kate Loftus, Executive Vice President, Director of Digital Banking, and Tim Frederick, /EVP, Head of Mortgage Originations at M&T, know that digital touch doesn't replace a human connection with a customer, but it can help define it. Join us as we discuss: The difference between digitization and going digital to leverage platforms and transform processes Government-led innovation in the mortgage space The role trust plays in capturing and keeping customers engaging digitally The characteristics that separate the winners from the losers in the future of consumer lending