Podcasts about jwg

AI remains a hot topic, with many organisations exploring how to integrate its various technologies into their core operations. However, the use of AI presents societal, technical, and legal challenges. In this talk, we will explore how the UK's regulatory approach compares to the EU's AI Act, which will apply from August 2026. Speakers will examine key differences, discuss the practical implications for businesses, and offer insights into ensuring compliance. Join us to gain a deeper understanding of navigating AI regulations and building responsible AI strategies.Speakers:Adam Leon Smith is an expert in AI regulation and technical standards and works on research and strategy projects in that area. He is Chair of the AIQI Consortium, a global initiative to promote the use of the quality infrastructure for responsible AI, and Deputy Chair of the UK's national AI standards committee. He has led four AI standardisation projects in ISO/IEC SC 42 as an Editor and two as a Convenor of SC 42 JWG 2 (Testing of AI systems). He is also very active CEN/CENELEC JTC 21, where he is Project Leader for two projects in response to the AI Act – the Quality Management System for EU AI Act Regulatory Purposes, and AI System Logging. He is also Chair of BCS Fellows Technical Advisory group.Before involvement in quality infrastructure, Adam spent 20 years in senior technology roles, delivering verification and validation solutions for highly complex or high-risk industry challenges. In 2024, the University of Bath awarded Adam an honorary doctorate in recognition of his work and its impact on the profession.David Doyle is known across Europe as a leading expert on EU financial services regulation and long-standing speaker at the Financial Services Club. A former diplomat with over 20 years of service on mainland Europe at bilateral and multilateral level, he now acts as an EU Policy Advisor between Brussels and London, specialising in regulatory developments in banking, fund management and insurance.He is a member of the Executive Board of the joint MEP-EU industry advocacy body, The Kangaroo Group at the European Parliament, holds a seat on the Board of Directors of the Genesis Initiative at Westminster that promotes entrepreneurship and SME policy, as well as being active in the Transatlantic Business Council on Capital Markets and the Conference Board Corporate Governance Council.

The Digital Operational Resilience Act (DORA) is officially in effect, bringing significant changes to how banks and financial institutions manage ICT risks and ensure operational resilience. In this video, industry experts Monica Sasso of Red Hat, PJ Di Giammarino of JWG, and Anne Leslie from IBM discuss some of the critical concepts banks need to know to stay compliant and secure in this new regulatory landscape.   Discover: Why DORA matters for the financial sector  Key requirements and obligations for banks  Practical tips to strengthen your risk management framework  If you're responsible for compliance, cybersecurity, or operational risk in your organization, this video is critical. Get ahead of the curve and make sure your bank is DORA-ready.  Join the IBM Financial Services Cloud Council and Forum Community to learn, share, debate, and solve the latest challenges in financial services at:  http://ibm.biz/fsccandf  Testing Operational Resilience white paper: https://bit.ly/4gprsRO 

My lack of boundaries and fear to say no,  Has created the box I'm now in.  If I want to be free, I'm gonna need,  To draw my line in the sand. ☉

Pour écouter l'épisode en format vidéo : https://youtu.be/i1_tUJcg2SE Pour avoir du succès en affaires, on nous dit assez souvent de focuser sur un seul projet pendant plusieurs années et ultimement le succès viendra. C'est un conseil judicieux que j'ai suivi et que beaucoup d'entrepreneurs à succès ont suivi également. Maintenant, peut-il y avoir une autre avenue? Peut-on avoir du succès en affaires en se lançant dans plusieurs directions au même moment? Ça peut être une approche plus difficile certes, mais c'est clairement faisable. Cette semaine sur le podcast on reçoit Jérémie Gagnon, président du groupe JWG. Dans les dernières années, Jérémie et son équipe se sont attaqués à plusieurs catégories différentes passant de l'import/export, l'immobilier, le cannabis ou encore la production et distribution de pallettes de bois. Chacune de ces organisations ont connu un certain succès et on aborde le tout pendant une quarantaine de minutes ensemble. Sans plus attendre, ma discussion avec Jérémie Gagnon. Pour en savoir plus sur JWG : https://www.jwg.ltd/ Pour avoir un deuxième avis sur vos campagnes publicitaires : j7media.com/hypercroissance Pour discuter avec moi sur Linkedin : https://www.linkedin.com/in/antoine-gagn%C3%A9-69a94366/ Notre podcast Social Selling : https://www.j7media.com/fr/social-selling Notre podcast Commerce Élite : https://www.purecommerce.co/fr/podcast-commerce-elite Notre nouveau podcast No Pay No Play : https://podcasts.apple.com/es/podcast/facebook-ads-on-parle-de-g%C3%A9n%C3%A9ration-de-leads/id1447812708?i=1000607648614 Suivez-nous sur les médias sociaux : Linkedin : https://www.linkedin.com/company/podcast-d-hypercroissance/ Facebook : https://www.facebook.com/podcastHypercroissance Instagram : https://www.instagram.com/podcasthypercroissance/

In this soul share with Evolutionary Astrologer Rose Marcus we explore key transits this month and what's ahead in 2023.  WE CONNECT ON: The Infinite Journey of Evolution & the nature of the Soul Moving from Age of Pisces to the Age of Aquarius Most significant transits of 2023 and how they might affect the energy Planetary Nodal shift from Aries / Libra  Saturn moving into Pisces Significant transits in February and March Pluto moving from Capricorn into Aquarius  The energy of eclipses   Rose Marcus, Evolutionary Astrologer, ISAR CAP; CIA Agent 300: Rose Marcus is based in Vancouver, Canada. Over the years, she has lectured at various conferences in Canada and the USA, and has written for numerous publications and projects, including daily horoscopes for the Mountain Astrologer (2007/08). Her first book, Insights into Evolutionary Astrology, (a compilation project) was published in 2010 by Lewellyn Worldwide. Since 2010, Rose and Kristin Fontana have broadcast a monthly transit show via internet radio, (Guiding Stars, HealthyLife.net). In 2019, Rose launched SoulWise School of Evolutionary Astrology with Laura Nalbandian and Patricia Walsh. Rose is also a founding member of the JWG association of Evolutionary Astrologers which was launched in 2022 (www.jwg.org). In addition to publishing in-depth monthly forecasts on her website, teaching, and her astrological counseling practice, Rose offers clairvoyant readings. CONNECT WITH EMILY: Emily's Website Emily's Instagram Emily YouTube Book an Intuitive Blueprint Session CONNECT WITH ROSE: Rose's Website Rose's Facebook

This week Yulee tries to fill the JWG shoes that Diane presented last week.  Bitter Blood Murders that span 3 states, involve 3 families, and nine people dead.  We hate Fritz Klenner and Susie Newsom.  So much!  Listen and enjoy our antics.  We love you Day Trippers!

All the cats are in the pod and they do manage to chat about Conversations with a Killer: the John Wayne Gacy Tapes while trying to remember exactly what is happening, because some of them had way too much catnip before they started podcasting.  We were also very curious what JWG's wife's deal was and how in Gods name she didn't smell all the dead bodies! This documentary is currently available on Netflix and got 5 out of 6 paws! 

As Jackie swelters in the summer heat and Kyle wars with couples who share a Facebook account, our two tired therapists sit down to discuss none other than killer clown, John Wayne Gacy. Spoiler alerts for The John Wayne Gacy Tapes (spoiler: he killed several people) and the Jonbenét Ramsey case (spoiler: it was the brother). Jackie, in an oddly excited demeanor, navigates us through JWG's life and murderous shenanigans. Episode warning - it gets gross. “If Ted Bundy had Grindr, I'd be dead.” -Kyle

The one where Green Blooded Bastard watches Hatchet.  This movie is about Hatchet getting his dick hard again and taking the garbage out in the swamp.  Just the continuing shit show that goes fucking bug nuts!

THE LADS™️ finally return this week to True Crime!Joined by our True Crime correspondent Aoife Devine. Gaz & Aoife reunite after what seems like an eternity to shoot the shit on all things pedophiles, rapists and clowns. In this installment covering one individual in particular, And that is...Mr John Wayne Gacy.Who is JWG?John Wayne Gacy, (born March 17, 1942, Chicago, Illinois, U.S.—died May 10, 1994, Statesville, Illinois), was an American serial killer whose murders of 33 boys and young men in the 1970s received international media attention and shocked his suburban Chicago community, where he was known for his sociability and his performance as a clown at charitable events and childrens' parties.THE LADS™️ break down this crazy tale in typical NOP fashion.It's good to have Aoife back and banging out some TC again!

We talk DAISY and JWG

Straight up clowning around on this episode about the inimitable, former Kentucky Fried Chicken manager, John Wayne Gacy. Find a comfy spot in your crawlspace for the next hour and change and let the life and Lil Stinker spirit of JWG take you away!

Hey CC friends, Here is part 3 as we wrap up John Wayne Gacy. Be prepared, this is a long episode! Could it be because there is too much info on JWG or could it be that we had too many drinks and tell too many side stories? You decide! You've been warned. Look for the recipe of our cocktail Tears of a Clown on our Instagram @CrimesandCocktails and if you like what you hear become a $2 Lime Squeeze on our patreon --- Support this podcast: https://anchor.fm/crimes-and-cocktails6/support

Hey CC friends, join us for part on the infamous colonel himself, John Wayne Gacy. This week Tabitha and Kaity take a look at the 33 murders JWG was convicted of. Be sure to follow our instagram @Crimesandcocktails for this week's recipe "The Gacy Smash". You can also check out our Patreon We hope you enjoy, Cheers and Happy Crime Hour! --- Support this podcast: https://anchor.fm/crimes-and-cocktails6/support

Last part of the JWG true Crime story with a thought at the end. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app

Unleash Your Data, the podcast that puts data at the heart of the conversation, is back for Season 3.This season we'll be speaking to leaders from the likes of EY, the DTCC and JWG, covering regulation, intelligent automation and the power of hindsight, as we remain in a global pandemic. We'll get their thoughts on how Covid-19 has impacted industries already, expected and surprising outcomes, any hindsight learnings to be taken from previous black swans, what to expect in 2021 and get insights into what smart people and firms are doing to get ahead. And then there’s the personal round of quickfire questions…You can also find the latest Eps and the blog write ups on our website. We’ll be releasing episodes every Wednesday, so please subscribe and review. It’s really appreciated.Happy listening.

Gina and Danielle finish the series with a possible second JWG burial location, the beginning of Stranger Danger, and reading personal close encounter stories about run-ins with Gacy himself. Email mosthexcellentpod@gmail.com with stories of your own.

The benefits of CBD for your mental health are astounding. It has become a useful treatment protocol in conjunction with counseling, meditation, medication, and more. There is so much information out there but do you really know how it works? How it's formulated specifically for mental health benefits? Join geneticist Dr. Dave Vigerust, CEO and Forumulator Sanjeev Javia, and Orthopedic Surgeon, Dr. Jim Silliman, with Kristin to talk about this life changing addition to your mental health treatment. Sanjeev Javia has an undergraduate degree from the University Of Michigan in Biology and Biopsychology and a graduate degree in Business Administration from the Thunderbird School of Global Management. In addition to these educational certifications he frequently attends continued educational courses focusing on dietary supplement formulation, sales and marketing strategy development, and corporate development at institutions such as Harvard University, Arizona State University, Thunderbird School of Global Management, and Southwest School of Naturopathic Medicine. He has also completed his Aromatherapy, the medicinal use of essential oils, training at the Applied Aromatic Institute.Sanjeev began his nutritional and wellness career by becoming a partner at XELR8 Inc, a nutritional supplement company founded in Denver. The original business model was to develop a premier line of nutritional supplements exclusive to professional athletes and medical professionals. Sanjeev was responsible for all research and development of products and athlete acquisition. He developed 21 products at XELR8 which included energy and hydration drinks, protein powders, and an entire line of vitamins and minerals. XERL8 had 800 professional and Olympic athletes using their products and they were in at least 28% of the professional sports teams training and recovery rooms. XELR8 grew and then branched out from professional athletes and sold their products to retail channels such as GNC, High Health, and BodyBuilding.com, and Vitamin Cottage, and the network marketing channels.After the sale of XERL8, Sanjeev was asked to develop a Nutrition Science Center for the prestigious sports medicine and orthopedic group, Steadman Hawkins Clinic, in Greenville, South Carolina. The center was part of the Musculoskeletal Health and Wellness Institute at the Greenville Hospital System. At the Greenville Hospital System, Sanjeev assembled a team of nutritionist and performance coaches to compliment their 32 sports medicine an orthopedic surgeons and 45 physical therapists. He did research in the areas of Diabetes, Obesity, AutoImmune Diseases, and Neurological disorders. In addition to his research he further developed and headed the go to market strategy as President of a SpeedFlex Training, an exercise and therapy machine. In Greenville he directed 2 Childhood Obesity studies, 1 Parkinson and MS study, and wrote 4 research grants to the U.S Department of Defense in traumatic brain injury and elite exercise performance/conditioning.In 2010, Sanjeev founded Javia Wellness Group (JWG) in Scottsdale, AZ . Javia Wellness Group is a firm that is focused on bringing nutritional and wellness products and concepts to market for its clients. Leveraging Sanjeev’s experience in all critical areas of health and wellness, JWG is has been able to provide innovative solutions and ideas to those developing products or services in health related spaces. JWG has been able to develop, formulate, research, assist in manufacturing and co-packaging, and design entire sales and marketing strategies for their clients. With over 18 years of experience and the development of over 86 products in the performance, disease management, skin care, and popular areas such as weight management, JWG has provided turn key solutions.Sanjeev is also a sought after educational and research international speaker and frequent guests on radio and television. He is a continual speaker for the American Association of Orthopedic Surgeons, American Association of Naturopathic Physicians, and development groups such as Women’s Conversations. He also is a frequent guest on nutritional and wellness radio shows featuring Dr. Joel Wallach, Best Selling Author Jordan Rubin, and Nutritional Pharmacist Ben Fuchs.Dr. Jim Silliman has had an extensive career in healthcare as a practicing physician, Medical Director, hospital and physician administrator, and business development leader.A magna cum laude graduate of the University of Louisville Medical School, he completed his residency in Orthopedic Surgery at the University of Texas Southwestern Medical Center and completed fellowships in sports medicine and knee surgery in Lake Tahoe, California, and shoulder surgery, Vail Colorado. Dr. Silliman was also a Professor and Program Director of the Orthopedic Residency Program at UT Southwestern Medical Center.Dr. Silliman served as the Executive Director of the Steadman Hawkins Sports Medicine Foundation in Vail, and Senior Associate at the Steadman Hawkins Clinic where he managed every aspect of the business for one of the leading orthopedic surgery organizations in the world. While at Steadman Hawkins he was part of a team of Physicians caring for the Denver Broncos Football and Rockies Baseball organizations. He also served five years as a Team Physician for the U.S. Ski Team.Dr. Silliman served as the Program Medical Director of the Greenville Health System, currently Prisma Health, one of the largest hospital systems in the nation with 7 medical campuses, 15,000 employees, and 600 physicians. There he created the Musculoskeletal Health And Wellness Institute which included a team of 32 sports medicine physicians, 90 physical therapist, 12 performance coaches, over 50 athletic trainers and 10 nutritionist and dieticians. The center was the first of its kind pioneering in preventative and holistic medicine in the musculoskeletal practice of medicine.He is also founder and past President of the Hawkins Research Foundation, one the premier sports medicine research centers in the world.He also founded eMed Ventures, Inc., a venture capital firm that focused on emerging health care technologies that improved hospital and physician interaction and facility management and workflow.The last several years, Dr. Silliman has focused much of his work in the field of personalized medicine. Developing technologies and lab outcomes in the areas of pharmacogenetics and infectious disease testing to create better outcomes for patients.Dr. Silliman has served as a Chairman, Director and Advisor on numerous Boards of Directors. He is also a former member of the American Academy of Orthopedic Surgeons and the American Medical Association. Jim has given dozens of presentations in conferences and symposiums across America and has been published in a variety of peer-reviewed medical publications.www.proze.comProze offers a 20% discount on all of their formulations for Mental Health News Radio listeners. Use PROMO CODE: mentalhealth20

PJ Di Giammarino, CEO of JWG, details the complex and sometimes convoluted topic of regulation, in an ever-increasing digital financial world. Di Giammarino has over 20 years of experience in new technology designed to solve complex financial services problems and issues. For over a decade Di Giammarino has been the CEO of JWG Group, a prestigious think-tank that is internationally recognized by regulators, financial institutions, and technology firms. Di Giammarino has a vast network of the industry's leading technology specialists, policy makers, and global market leaders, all of whom he brings together to find solutions to global challenges through intensive collaborative working groups and collectives. Di Giammarino is recognized widely for his work with the MiFID Implementation Group and a wide range of RegTech forums. Prior to founding JWG Di Giammarino worked with Barclays Capital, Booz Allen, and McKinsey. He is a vocal and active member of many advisory groups and organizations including the International Organization for Standardization through the ISO UK committee for financial services, IST/12, and Di Giammarino serves as the Secretary for the FinTech Technical Advisory Group as well. Di Giammarino talks about his firm and their immersion into RegTech, helping financial services define, understand, comply, and advance. He discusses the importance of bringing banking out of the analog era and into the new digital era and applying regulations and controls to help ensure the safety of transactions and accounts. RegTech, as he explains, pertains to the application of AI and new technologies to the financial sector and businesses in general. Di Giammarino states that banking has become very technical, and regulators have been forced to adjust and become technically savvy themselves, to meet the demands and keep pace with a rapidly changing digital financial sector. Since 2006, JWG has held 400 working groups to focus on a variety of regulatory topics. He discusses the many action points that have come out of the G20 and others, and how the new changes are creating a glut of work for regulators and financial sector strategists. Di Giammarino talks about JWG's mission of using technology to apply to the new and voluminous regulatory data, to bring efficiency and streamline the process of adapting to changes. JWG's team scours the massive bundle of regulatory information and brings it into a manageable initiative that businesses can follow and implement.  The financial regulations expert delves into the many specific areas of regulation, and the tools companies can utilize to keep up. Transparency, as Di Giammarino states, is the answer to the crisis, as everything has to be on a report. With tighter regulation many more reports are generated on various subjects and areas, from trading activity, to how you know your customer, to money laundering checks, to how to manage capital and potential exposures. By defining more accurate language and standards, compliance is easier to implement and maintain. JWG's team of independent analysts assists senior executives within public and private sectors to determine how regulations can be implemented in the correct way. Essentially, their skilled analysts and technology leaders help financial services take control of global regulatory change by implementing a technology-enabled standardized approach. Di Giammarino talks about how regulators across the globe are now communicating and sharing ideas, for the greater good of security for everyone. He states that the role of new technology is not really firm-by-firm, but is actually theme-by-theme. Continuing, he lays out the idea that whereas some regulators have an appetite to automate their rulebook, others are more focused on using blockchain to manage the problem of money laundering, thus the areas of interest and focus are varied.  Lastly, Di Giammarino discusses fear and greed, as the motivators of regulation. Regarding fear, the sheer volume of regulations has grown to the point that many businesses are afraid that they may be missing things that are critical. In terms of greed, the costs are often excessive, with a large amount of manual effort needed. Di Giammarino details the many ways that his team can facilitate the processes for security, data loss control, and management, etc. through the use of AI and technology.  Di Giammarino has been a consistent author and international public speaker for more than two decades on the role of new technologies for the financial services infrastructure.

My guest today is one of the world’s foremost thinkers on how to modernize financial regulation through technology.  He is PJ Di Giammarino, CEO of JWG and founder of the global RegTech Council.

In this episode John talks with David Nemer of the John Wentworth Real Estate Group about his transition from being a long time independent agent to now being a part of the JWG team.

My guest today is the World Bank’s Harish Natarajan, a leader of one of the most visionary and ambitious efforts underway in the financial world -- to achieve complete financial inclusion. Throughout history, the idea of reaching full inclusion -- enabling everyone to access the mainstream financial system -- seemed like fantasy. Financial services have always been expensive to produce and deliver, making it unprofitable to serve everyone. In addition, they often involve the need to evaluate and risk-rate customers, and to verify their identity information, all of which has always been costly and complex. Mainstream services were for people who had some means and had traditional identity documents. Other people had to rely on high-cost alternatives, or had no access at all. And then, we got cell phones. Suddenly, here was a new delivery system that could reach nearly everyone, through a channel that was already there, already built, and that could, furthermore, serve them inexpensively. No more need to build and staff high-cost branches. Everyone, today, can have a bank branch in their hand. Recognizing this new opportunity, the World Bank set a transformational goal -- that every adult on earth should have financial access by 2020. They defined inclusion as having a transaction account, since for most people, that’s the easiest and most-needed starting point. Once that exists, other services can be added on top of it, from lending to savings to insurance. As the consumer’s financial information becomes increasingly digitized and consolidated in the phone, it becomes possible for financial providers to evaluate that digital profile to extend more products. It also becomes possible to authenticate identity -- which is critical because the anti-money laundering Know-Your-Customer regulations currently block millions of people from the system because they lack traditional ID documents. Technology is making this shift possible, but of course, it isn’t easy, nor is it a panacea. Some people still don’t have mobile phones -- although that problem is rapidly evaporating -- the UN says more people have had access to mobile phones than to plumbing since 2013. Of those who do, many don’t adopt electronic financial accounts, and many who do so become vulnerable to scams and predatory products, especially since hundreds of millions of these consumers are being exposed to financial services for the first time. Those challenges, in turn, create an urgent need for regulatory modernization. Finance is being digitized, and regulation will have to be digitized too in order for government to protect consumers and assure financial stability. So the World Bank’s work includes a focus on modernizing the regulatory infrastructure itself, building up capacity to understand new technologies and address risk. In this episode, Harish describes this whole transformative landscape. He talks about the Financial Inclusion Global Initiative, or FIGI, a three-year program with three partners, and three global themes -- cybersecurity, e-payments acceptance, and digital ID. He explains why people don’t have access to accounts, how digital ID can satisfy documentation requirements, and the varied regulatory models evolving in different counties. He talks the World Bank’s research on blockchain and distributed ledger technology (DLT) as critical components of a better system. The United States has been a relatively slow adopter of mobile phones, partly because most Americans traditionally had landlines. That means cell phone adoption is much more advanced outside the United States, which in turn means that the US can learn many lessons from countries that are leapfrogging over us in digital transformation of finance and financial regulation. Much of this modernization is being driven by NGOs like the Omidyar Network, where I’m a Senior Advisor, and the Gates Foundation. For example, Omidyar and Gates have financed a Regtech for Regulators Accelerator, or R2A, which is bringing technology solutions to regulatory challenges in multiple countries. More on Harish Harish is Lead Financial Sector Specialist in the World Bank’s Finance, Competitiveness and Innovation Global Practice, heading a global team working on payments and market infrastructures. He is a core member of the cross-sectoral teams addressing Universal Financial Access 2020, ID for Development, government payments, Digital Economy and FinTech. Harish represents the World Bank in the working groups of the Committee on Payment Market Infrastructures (CPMI) at the Bank for International Settlements and FinTech-related working groups at the Financial Stability Board (FSB). Previously, Harish worked with VISA Inc. in the South Asia region in various senior roles in business development, operations and risk management. Prior to VISA, he served in positions at Citigroup, Infosys and other technology companies in the areas of payment systems and retail banking. Harish holds an undergraduate degree in Electrical and Electronics Engineering from IIT-Madras and a Post Graduate Diploma in Management, from IIM-Calcutta, specializing in IT systems and finance. More links Link to Full Transcription World Bank Financial Inclusion World Bank DLT Report Universal Financial Access by 2020 Financial Inclusion Global Initiative (FIGI) Payment Aspects of Financial Inclusion (PAFI) Findex G20 Digital Principles for Financial Inclusion Access For All: CIIE’s Sanjay Jain and The India Stack How to Change the World: The Gates Foundation’s Michael Wiegand Transforming Identity: GlobaliD CEO Greg Kidd More for our listeners We have great podcasts in the queue. From London, we’ll have a talk with P.J. Di Giammarino of JWG and the Regtech Council. We’ll also have a far-ranging conversation with Peter Renton, who leads Lend Academy and the LendIt conference series. As part of our series focused on global developments in fintech and regtech, we’ll talk to Anju Patwardhan of CreditEase and Stanford University, who describes fintech developments in China. And we’ll have a show with the co-founders of EarnUp, and one with Walter Cruttenden, Co-Founder of Acorns and Co-founder and CEO of Blast. A few places I’ll be speaking this fall include: Singapore Fintech Festival, November 12-16, Singapore LendIt Europe, November 19-20, London Consumer Federation of America Financial Services Conference, November 29-30, Washington, DC ABA Financial Crimes Conference, December 2-4, Washington, DC RegTech Rising, December 3-5, London Fintech Connect, December 5-6, London Boston Regtech Meetup, December 10, Boston, MA I also have a number of events coming up where I’ll be speaking directly to groups of regulators. Watch for upcoming information on my collaboration with Brett King on his new book, Bank 4.0, which you can now buy on Amazon. I co-wrote the regulatory chapter with Brett, and we’ll have a show and events on that as well. Last year, my autumn conference circuit became a  “world tour” designed to speak in seven countries in seven weeks. I chronicled it with mini-videos about what I was learning, and since a lot of people told me they enjoyed joining in those adventures, I’m doing it again this year. My fall travels will be fewer countries but more events, in America, Europe and Asia. Please follow along with me on Twitter, LinkedIn, and Facebook and come to jsbarefoot.com for more information on it all and to subscribe to my newsletters and get the latest podcasts as soon as they come out. Also, here’s my fall newsletter, titled Whirlwind. Innovation everywhere! support our podcast Subscribe Sign up with your email address to receive news and updates. Email Address Sign Up We respect your privacy. Thank you!

One of the biggest challenges in fighting money laundering is satisfying the KYC, or Know Your Customer, rules. These regulatory requirements make sense in concept -- they require financial companies to verify customers’ identities before letting them connect to the system, in order to screen out high-risk people and entities and as a foundation for meeting the legal mandate to monitor financial activity for potential crime. However, the traditional verification process has always been expensive and time-consuming. In recent years it’s also been creating new problems. My guest today has a company that is setting out to fix those. She is Laura Spiekerman, the Chief Revenue Officer of Alloy.   The new problems are two-fold. One is that millions of people lack traditional identity documents and therefore can’t gain access to the system at all. That isn’t actually a new issue -- it’s always been true -- but it’s becoming more acute because mobile technology is making it possible for more and more people to connect to the financial system through their phones, if they can identify themselves.  In much of the developing world, hundreds of millions of people cannot, because they lack formal ID documents (a factor that tends to disproportionately harm women, members of disfavored minorities and people with low incomes). Having large swaths of the population detached from mainstream finance, in turn, undermines economic growth and opportunity. As a result, many central banks throughout the world view KYC modernization as a top priority. For example, see my episode with Sanjay Jain who was one of the leaders of the India stack on their project that is connecting everyone in India to the financial system and mainstream commerce. Some governments are trying to create customer identity through biometric identification. Global organizations ranging from The World Bank to the Gates Foundation and the Omidyar Network (where I am a Senior Advisor) have all elevated AML as a core goal in their efforts to wide financial inclusion. The KYC barrier also impacts consumers in the United States, including many young people and immigrants or, say, people who have moved frequently. If a financial company cannot verify identity by investing a reasonable level of time and effort, it usually will not open an account. The second problem with the current KYC process hits the US and other developed countries even more directly. We still rely on traditional identity information like name, address and Social Security number that is, quite simply, no longer secure -- it’s widely for sale on the dark web. (Re-listen to our episode with Greg Kidd of globaliD) for more insight on that). The solution to both problems -- both access and insecurity -- is the same: more data and better technology. Alloy is bringing these into KYC. The company enables real-time decisioning through an API that lets a financial institution access the data it needs, in a fully transparent way, and that also provides a rules engine to control how to waterfall the data to put it into a rule. I spoke to Laura at the Comply 2018 conference in New York this year -- you’ll hear some of the conference bustle in the background. In our conversation, Laura describes the impact Alloy can make. In retail banking, they’ve been able to automate about 98% of decisions for onboarding, as opposed to a standard of about 50%. Once the remaining 2% are sent to manual review, they have also been able to reduce manual review times by about 95%, while also seeing reductions in fraud and increases in conversions, seemingly a win-win for all. Laura also shares her advice for other fintechs, including how to overcome the many barriers faced by regtech firms in trying to work with financial institutions. She talks about Alloy’s plans for building AI into their solutions. And she offers advice to regulators. Like me, she’s hopeful that the regulatory landscape is increasingly receptive to new technology. I know you’ll enjoy my conversation with Alloy’s Laura Spiekerman! Links Full Transcript of Episode Alloy on Twitter Innovation at a Small Bank: Radius CEO Mike Butler Access For All: CIIE’s Sanjay Jain and The India Stack More for our listeners We have great podcasts in the queue. We have a series focused on global developments in fintech and regtech. One is with Harish Natarajan of the World Bank, who talks about their remarkable work in global financial inclusion. Another is with Anju Padwardhan of CreditEase and Stanford University, who describes fintech developments in China. From London, we’ll have a talk with P.J. DiGiamarino of JWG and the Regtech Council. We’ll also have a far-ranging conversation with Peter Renton, who leads Lend Academy and the LendIt conference series. And we’ll have a show with the co-founders of Earnup...among many others. Last week I spoke at the National Foundation for Credit Counseling’s NFCC Connect in Dallas, where I was very honored to receive their Making the Difference award. I’m on the NFCC board and want to share that we have a visionary new CEO, Rebecca Steele, who is bringing technology more and more into the work of credit counselors -- the people on the front lines of helping consumers make their financial lives healthier. Keep your eye on the NFCC and try to connect with its work. Other places I’ll be speaking this fall include: Online Lending Policy Institute, October 9, Washington, DC P20 Conference, October 10, Atlanta, GA American Banker RegTech, October 15-16, New York, NY Singapore Fintech Festival, November 12-16, Singapore LendIt Europe, November 19-20, 2018 in London ABA/ABA Financial Crimes Conference, December 2-4, Washington, DC Regtech Rising, December 3-5, London Last but not least, Money 2020, is only two weeks away and it’s going to be amazing. I’m chairing and hosting the regulatory track, which is SUNDAY, October 21, starting at 10AM. The day will include amazing speakers, including a fireside chat I’m doing with Lord Digby-Jones of the House of Lords, and an Oprah-style regulator town hall. On Monday, all ten of the senior regulators and former regulators participating in the conference will join in a mix and mingle with anyone who would like to talk with them. And then Monday afternoon at 3:15, I’ll be on the new Revolution Stage speaking on Regulation Revolution. I’m aiming to make it the most interesting speech I’ve ever given. If you’ll be at the conference, be sure to come, and tell your friends to come too. Also, watch for upcoming information on my collaboration with Brett King on his new book, Bank 4.0, which you can now buy. I co-wrote the regulatory chapter with Brett, and we’ll have a show and events on that as well. Last year, I ended the fall with what I called my world tour designed as seven countries in seven weeks, ending at the Dutch Central Bank right before Christmas, and I tried to share the main takeaways from each by posting mini-videos from the scene. This year I’ll be in fewer countries but at more events, so I’m going to do the videos again -- a lot of people said they enjoyed coming along on those adventures. So please follow me on Twitter, LinkedIn, and Facebook and come to jsbarefoot.com for more information. And yes, we’re going to revive the newsletter. One of my colleagues recently suggested we call the next post Whirlwind, because that’s what the year has been. Innovation everywhere! Support Our Podcast Subscribe Sign up with your email address to receive news and updates. Email Address Sign Up We respect your privacy. Thank you!

I am especially thrilled about today’s guest -- California DBO Commissioner Jan Owen -- because this episode has been years in the making. I’ve known Jan for a long time, and as anyone who knows her will attest, she’s a breath of fresh air in the regulatory world. She’s candid, she’s outspoken, she’s thought provoking, and she's fearless in tackling thorny issues. We’ve been looking for a good chance to sit down and talk, and we finally found one this summer. As it happens, it turned out to be one of Barefoot Innovation’s most fun settings ever (and we’ve had some great ones, including beachside in Fiji at the AFI conference). Jan and I were both in Santa Fe in July for a conference and we decided to record our talk on an outdoor balcony, as a thunder storm approached. It was extremely windy, and we could smell the ozone and coming rain, and you’ll be able to hear the thunder booming, sometimes startlingly well-timed to punctuate Jan’s more pointed comments. We took our chances with the weather, staying outside as the sky darkened and dozens of lightning strikes forked down out of the clouds onto the mountains behind Jan -- I wish I’d gotten a photo of that.  In the end, we had to run for it as the rain began, first with big drops spattering the deck and then, ten seconds later, deluge! So the episode ends a little abruptly! Jan Lynn Owen is one of the most important financial regulators in the US because she heads the California Department of Business Oversight (DBO). Since California arguably leads the world in financial innovation, the DBO is at the forefront in addressing emerging regulatory issues around fintech. Importantly, state regulators, unlike most of the federal ones, oversee both banks and nonbanks. The US federal regulators dominate financial policy, but they don't directly supervise nonbank startups. That means they’re not in close touch with the cutting edge of innovation, which is not in the banks -- it’s in the nonbank startups. So having a regulator like Jan who understands both banking and fintech is invaluable. In our conversation, she shares her diverse background, including having been a banker and regulator. She describes the scope of the DBO, which is breathtaking -- 368,000 licensees, over 4,000 small business and small dollar lenders, over 300 payday lenders, over 400 nondepository mortgage companies - you get the picture. As you would expect, we had a lively discussion about the proposal by the US Office of the Comptroller of the Currency (OCC) to create a fintech charter. Jan is famously opposed to it and I have been an outspoken advocate for it - we’ll link in the show notes to my debate on that topic with John Ryan, CEO of the Conference of State Bank Supervisors (CSBS). Jan is of course a leader in CSBS and in our talk, she describes their efforts to modernize and streamline the state regulatory systems and licensing system in ways that she believes can meet the needs of the fintech sector without the OCC establishing a new type of federal charter. (Note that my discussion with Jan was recorded in mid-July, and so predated the OCC’s July 31 announcement that it is going ahead with the new fintech charter.) Jan points out that the fintech world has transitioned from seeking to avoid regulation to embracing it, in the realization that it helps their business model. She says this shift is putting healthy pressure on government to figure out how to regulate these novel companies, and she’s candid in saying that many of our financial laws and rules are old and out of date. In our talk, she invites input from anyone and everyone on how to fix them. The OCC fintech charter was not the only issue on which Jan and I disagree. If you read the news, you probably already know that she’s been outspoken in her skepticism about regulatory sandboxes -- and our regular listeners know that I think regulators really need them. Much of the issue comes down to how they’re designed, and we had a good conversation about the dos and don'ts of sandboxes, reglabs, and innovation hubs. The key is to give regulators a safe space to do easy experimentation, mainly to accelerate their own learning, while still assuring full consumer protection. (Since Jan and I spoke, the Bureau of Consumer Financial Protection also announced that it will launch a regulatory sandbox.) Before we fled the rainstorm, I asked Jan to talk about a speech she’s been giving titled “Sex, Drugs, and Skinny Jeans” (a perfect example of her style). The “sex” topic is the #MeToo movement, including Jan’s personal experience with workplace sexual misconduct. The “drugs” issue is, of course, how to regulate the financial issues raised by legal marijuana in states like California, since federal law still bars banks from opening accounts for these cash-rich businesses. And “skinny jeans” is about the culture clash between traditional, suit-and-tie finance and the jeans-and-tee-shirt worldview of Silicon Valley. We’re going to have to bridge that divide, if we want to optimize the technology change coming to the financial world. Enjoy this thunderous episode with Jan Lynn Owen. Links LINK TO FULL TRANSCRIPTION Podcast with John Ryan - Conference of State Bank Bank Supervisors President Recent Speech at Lendit More on Jan Lynn Owen Jan Lynn Owen was appointed the first-ever Commissioner of the California Department of Business Oversight by Governor Edmund G. Brown Jr. on July 1, 2013, following a merger of the departments of Corporations and Financial Institutions. Previously, Ms. Owen served as Commissioner of Corporations. Prior to becoming Commissioner, Ms. Owen was the principal at The Jan Owen Group; a strategic initiatives manager at Apple Inc.; vice president of government affairs at JP Morgan Chase; state director of government and industry affairs at Washington Mutual Inc.; and executive director of the California Mortgage Bankers Association. From 1999 to 2000, Ms. Owen was acting commissioner of the Department of Financial Institutions, following on her role as deputy commissioner from 1996 to 1999. She also served for several years as a consultant to the state Senate Banking Committee. Ms. Owen is an alumna of California State University, Fresno, where she earned her degree in Economics. More for our listeners We have great podcasts in the queue. We have a series focused on global developments in fintech and regtech, including Harish Natarajan of the World Bank and Anju Padwardhan of CreditEase and Stanford University, who talks about fintech developments in China. From London, we’ll have a talk with P.J. DiGiamarino of JWG and the Regtech Council. We’ll also have a really thought-provoking show with Peter Renton, who leads LendAcademy and the LendIt conference series. We have a regtech firm coming up, Alloy, which has high-tech solutions for meeting the Know-Your-Customer rules in AML. And we’ll have a show with the co-founders of Earnup. So, lots to look forward to! The fall conference circuit is exciting. Some of the places I’ll be speaking are: Finovate Fall, September 26, 2018, New York, NY NFCC Connect, October 2, 2018, Dallas, TX Online Lending Policy Institute, October 9, Washington, DC P20 Conference, October 10, Atlanta, GA American Banker RegTech, October 15-16, New York, NY Money 2020, October 21-24, Las Vegas, NV Singapore Fintech Festival, November 12-16, Singapore LendIt Europe, November 19-20, 2018 in London ABA/ABA Financial Crimes Conference, December 2-4, Washington, DC Regtech Rising, December 3-5, London I’ll also be speaking at several events hosted by US regulators this fall. It’s great to see so many of them really digging into the issues surrounding fintech and regtech. Also, watch for upcoming information on my collaboration with Brett King on his new book on the future of finance -- we’ll have a show and events on that as well. If you listen to Barefoot Innovation on iTunes, please leave a five star rating and also remember to send in your “buck a show” to keep it going. Come to jsbarefoot.com for today’s show notes and to join our email list, so you’ll get the newest podcast, newsletter, and blog posts. As always, please follow me on Twitter, LinkedIn, and Facebook. Support our podcast Subscribe Sign up with your email address to receive news and updates. Email Address Sign Up We respect your privacy. Thank you!

What if regulations were machine-readable? What if, when regulatory changes come out, financial companies wouldn’t have to download hundreds or thousands of pages of rules and read them all? What if they didn’t have to rely on lawyers -- their own, and also the legions of legal experts and consultants who translate rules for the industry as a whole, to help them understand what to do? What if, instead, they could run new rules through a machine-based review, and get all those answers automatically? For very little money? Banks would be able to update compliance processes much more easily. Startups could easily find out what rules apply to them. The results could feed into other new, high-tech tools, to automate and streamline implementation. A lot of people are working on this concept, both at regulatory agencies and at regtech firms. One leader in that effort is my guest today, Kayvan Alikhani, Co-founder and CEO of Compliance.ai. We both were speakers this year at the Comply 2018 conference in New York, and while we were there we found a chance to sit down and talk. Kayvan and Compliance.ai set out to solve the problem that today’s solutions are aging, rigid, slow, and expensive. Among other things, these systems fall behind the deluge of regulations that hit the financial sector every year. Compliance.ai looked at which industry most needed its new tech and chose finance, in part, based on research findings that compliance teams spend at least 30% of their time just chasing changes. Compliance.ai aims to automate the manual work of collecting, cleaning up, and parsing data and figuring out what is relevant to its customers, using machine-readable technology. Their software can speed up and simplify much of the work done today by traditional GRC -- governance, regulation and compliance -- systems. More basically, they are trying to redesign the whole model of importing data manually, analyzing it in spreadsheets, communicating on it via email, and all the rest. While today’s regtech innovation is mostly point solutions for particular use cases, remember that they’re converging. Machine-readable technology will meet up with other new ways of capturing and using data, from cloud computing to blockchains, and we’ll see big breakthroughs when these connections really take. Kayvan is especially thoughtful about artificial intelligence. AI has incredible power to save massive time and money in compliance processes. I myself have no doubt that AI and machine learning are the future of regulation and compliance. However, getting to that future is a journey, and Kayvan describes how it is likely to go, and especially steps that will be needed to surmount reluctance by both industry and regulators to adopt AI they don’t fully understand, by gradually building up understanding and trust and by assuring that AI meets the standards needed for accuracy and fairness. Significantly, regulators themselves are working on machine-readable regulation too. In particular, the UK’s Financial Conduct Authority (FCA) is aiming to “digitize the rulebook” by tagging regulations with machine-readable markers. In the US, the Commodity Futures Trading Commission is exploring the same concept. We’ll link in the show notes to our episodes with both agencies.   Regtech firms like to emphasize the time and money they can save the industry, which in turn sometimes leaves compliance professionals worried about robots taking their jobs. One lesson from my talk with Kayvan is that there’s a mountain of human compliance work ahead. The machines are going to do the rote tasks, and the higher math. The people, with their deep expertise in both rules and the complex systems around them, are going to be freed up to do ever-more meaningful work, better than ever before. They will be busy shaping these new tech tools, and they will be using them to tackle the work only they can do -- the deep dive analysis, the hard cases, the systemic reforms. They’ll have less frustration, less boredom, and more traction in achieving the big goals that our laws and regulations were written to further, from protecting consumers to expanding financial inclusion to catching money launderers. At my regtech firm, Hummingbird, we say our mission is to give compliance people superpowers. Compliance leaders are going to emerge as heroes in their companies as they produce better results, cut costs, cut risks, and help lead their organizations, especially banks, into the twenty-first century. I asked Kayvan to help us envision a day in the life of a compliance professional a few years into the future. He paints a fascinating picture, and he says it’s going to be beautiful. That’s not usually a word we associate with regulation and compliance. Links LINK TO FULL EPISODE TRANSCRIPTION A day in the life of a compliance officer - Part 1 A day in the life of a compliance officer - Part 2 A day in the life of a compliance officer - Part 3 Chris Woolard and Nick Cook Podcast Podcast with Nick Cook Podcast with Dan Gorfine, LabCFTC Chief Innovation Officer and Director Podcast with CFTC Chairman Christopher Giancarlo More on Kayvan Alikhani With more than 25 years of experience in hi-tech, Kayvan leads operations, strategy, sales, and marketing for Compliance.ai. Most recently, Kayvan led the identity strategy at RSA, and represented EMC on various industry alliances such as the FIDO board. He is Co-Founder and CEO of PassBan (acquired by RSA), a company focused on mobile identity assurance. Kayvan also led strategy at LiteScape (as CTO and later as CEO), creating security and mobile identity solutions for VOIP-based networks. He was Co-Founder and CTO at BeNotified, a cloud mobile communication service provider. Prior to that, Kayvan co-founded AVIRNEX, a cloud-based enhanced fixed- and mobile-communication service provider. More for our listeners We have great shows coming up. We have a wonderful episode with the California Banking Commissioner, Jan Lynn Owen. We’ll also have another regtech firm, Alloy, which has high-tech solutions for meeting the Know-Your-Customer rules in AML. We have one with the co-founders of Earnup. From the global perspective, we’ll have the World Bank’s Harish Natarajan; one with Anju Padwardhan of CreditEase focused, among other things, on fintech developments in China; and one with P.J. DiGiamarino of JWG and the Regtech Council. We also have a great show in the queue with  Peter Renton of LendAcademy and the LendIt conference, one of the most thoughtful people we’ve talked with. I’ll be speaking this fall at some great events: Finovate Fall, September 26, 2018, New York, NY NFCC Connect, October 2, 2018, Dallas, TX P20 Conference, October 10, Atlanta, GA American Banker RegTech, October 15-16, New York, NY Money 2020, October 21-24, Las Vegas, NV Singapore Fintech Festival, November 12-16, Singapore LendIt Europe, November 19-20, 2018, London ABA/ABA Financial Crimes Conference,  December 2-4, Washington, DC Regtech Rising, December 3-5, London If you listen to Barefoot Innovation on iTunes, please leave a five star rating to help us continue to build the show, and remember to send in your “buck a show” to keep it going. Also come to jsbarefoot.com for today’s show notes and to join our email list to get the newest podcast, newsletter, and blog posts. As always, please follow me on Twitter, LinkedIn, and Facebook. I’m so grateful that you listen to Barefoot Innovation. Our audience is growing rapidly all over the world, and hardly a day goes by without someone telling me how much they enjoy the show or how they were helped by an insight shared by one of our wonderful guests. Let’s keep that going -- and let’s all keep innovating! support our podcast Subscribe Sign up with your email address to receive news and updates. Email Address Sign Up We respect your privacy. Thank you!

Today’s show brings us two fascinating guests.  Alex Lintner is President of Consumer Information Services for Experian, and Sasha Orloff -- who is a previous guest on Barefoot Innovation -- is founder and CEO of LendUp. They recently joined forces to explore using new kinds of data to widen financial inclusion. We all sat down to discuss it at the LendIt conference this spring in San Francisco. Credit scores are a great tool for evaluating the creditworthiness of many consumers, but as Alex explains, not for all of them. He and Sasha think -- as do I -- that we need a fuller view into what Alex calls the consumer’s financial “reputation.” Experian estimates that 100 million people in America need this kind of broadened evaluation. We know that many consumers with low or no credit scores are actually creditworthy, and in fact could prove it if we had systems that could look closely at their financial behaviors and situations beyond reported credit history. Traditionally, though, we didn’t have efficient ways to get that information because, in the analog age, when the current systems were designed, data was scarce and costly. Today, in contrast, we have massive volumes of digital information we can access and analyze, instantly and efficiently. This creates the ability to do what used to be impossible -- make financial services more inclusive, without sacrificing lending soundness. Toward that goal, LendUp and Experian undertook a joint research project to look at the benefits of capturing data on customers’ performance on single-payment loans. The study produced really striking results -- the overwhelming majority of consumers in the study came out with positive impacts on their credit scores. And as Alex explains, single-payment loans are just one kind of nontraditional data. In today’s digitized world, there are many other factors that we can begin to capture methodically and build into routine credit scores. Experian is now routinely doing this, offering a new score called Clear Early Risk. In our conversation, Alex and Sasha share insights drawn from their own lives and talk about the many situations in which people have trouble accessing credit when they need it. Some of these consumers are young people or new immigrants with thin or no credit file. Some are facing life changes like a family death or divorce. Some are contending with emergencies like loss of a job or medical bills. Our discussion also tied these kinds of individual challenges into big shifts underway overall in lifestyle and in technology -- the advent of mobile financial services, the rise of the gig economy, and expanding use of artificial intelligence.  In addition, we touched on the future of the Community Reinvestment Act, which is due for much-needed, tech-driven modernization. Using alternative credit risk data has complex implications for fair lending regulation, especially in the US and especially regarding “disparate impact.”  US policy bars use of credit practices that have a disproportionate adverse effect on “protected classes” like women and minorities, unless the lender can demonstrate a business need and show that less-discriminatory alternatives are not available. The criteria for proving this are not clear today, and I’m among the many people who think that clarifying them is essential to expanding financial inclusion by fostering use of new data. Despite having the best of intentions, policymakers have inadvertently made hard-to-score consumers the riskiest market to serve, due to the regulatory risk arising from uncertainty. That chills efforts to address these customers’ needs by many mainstream and high-quality lenders. The CFPB is exploring this issue through its evaluation of alternative data and issuance of a “no action letter” for Upstart. A similar effort is underway, also, at the new nonprofit FinRegLab, which is run by Melissa Koide and funded by the Omidyar Network. I chair FinRegLab’s board, and we’re conducting empirical testing of alternative data -- specifically cash flow underwriting -- including how these new methods relate to disparate impact. Today’s show is a glimpse of a promising future, harnessing innovative technology to produce lending that is more inclusive, and also more sound. More Links Episode Transcription Podcast with Al Ko - Episode recorded last year with Al Ko of Intuit LendUp Infograph Alternative Credit Data trends and reports Op-Ed by Sasha on innovation in credit scoring More on Sasha and Alex Sasha Orloff is CEO and co-founder of LendUp. LendUp’s mission is to provide anyone with a path to better financial health. The company builds technology, credit products, and educational experiences that haven’t existed before for the emerging middle class -- the 56% of Americans shut out of mainstream banking due to poor credit or income volatility. It has originated more than $1 billion in loans. With offices in San Francisco, CA and Richmond, VA, LendUp is backed by debt and equity financing from venture and social impact investors including Y-Combinator, Kleiner Perkins, Andreessen Horowitz, Google Ventures, Victory Park Capital and Yuri Milner’s Startfund. In June, both Nigel Morris and Frank Rotman of QED Investors joined the LendUp board of directors. Prior to founding LendUp, Sasha held roles in risk management, finance, online acquisitions and customer insights on Citi’s consumer credit team, and most recently served as Senior Vice President on Citigroup's Venture Capital team. He previously worked for the Grameen Foundation Technology Center and The World Bank. He has a B.S. in applied math and economics from the University of California, San Diego and an MBA from Georgetown University. Alex Lintner is President of Experian’s Consumer Information Services, overseeing the company’s US consumer credit bureau and the National Consumer Assistance Centre (NCAC). He’s responsible for all aspects of Experian’s consumer credit activities within the business-to-business marketplace, including delivery and management of value-added credit risk, marketing, and collection products to help clients manage and optimize their customer relationships. Alex was previously CEO and President of Vertafore, a $450+ million revenue insurance industry technology provider. Prior to that he was President of Intuit’s Global Business Division and also Senior Vice President of Strategy, Government Affairs and Corporate Development. He’s also spent 15 years as a consultant, starting as a Business Analyst at Dr. Hoefner & Partners in Munich, Germany and later serving as Vice President of The Boston Consulting Group in their London and San Francisco offices. More for our listeners Our next guest on the show will be another community bank CEO, Mike Butler of Radius Bank in Boston.  Upcoming episodes include a fascinating conversation with Congressman Gregory Meeks on financial innovation and policy; a talk I recorded this year at LendIt with my friend Greg Kidd of Global ID; and three discussions with regtech firms -- JWG in London, Compliance.ai, and Alloy. Speaking of LendIt, I was a guest this month on Peter Renton’s Lend Academy podcast, and he’ll be on our show soon as well. I was also a guest in June on the Commodity Futures Trading Corporation podcast, CFTC Talks, with Andy Busch. And here are my two podcasts with the CFTC, one with Chairman Giancarlo and a recent one with innovation head Dan Gorfine. It’s not too early to register for the fall’s premier fintech event, Money 2020, in October in Las Vegas. I’ll again be MC for the regulatory track, which, remember, is on Sunday -- be sure to plan accordingly!  I’ll also be speaking on the Revolution Stage, which is new this year, about regulation innovation. Also watch for Regtech Rising in December, which I’m helping to plan. We’ll also be posting information on my collaboration with Brett King on his new book on the future of finance -- we’ll have a show and events on that as well, and I’ll be a guest on Brett’s great radio show Breaking Banks this week, on July 5. Please remember to give Barefoot Innovation a five-star rating on iTunes to help us expand the show. I hope you’ll sign up to get emails that bring you the newest podcast, newsletter, and blog posts, at www.jsbarefoot.com.  Follow me on Twitter and our Facebook fan page. And please send in your “buck a show” to keep Barefoot Innovation going! SUPPORT OUR PODCAST Until next time, keep innovating! Subscribe Sign up with your email address to receive news and updates. Email Address Sign Up We respect your privacy. Thank you!

In this episode Who is J.W. Goerlich (redux from episode -  How did he get to where he is now? How does the security executive deal with the "moving finish line"? JW discusses how 'security' people can break down barriers between "us" and "them" We discuss why we still fail at the basics, and what all this means... JWG tries to talk about his favorite controls framework We discuss what difference it makes where the CISO reports in the enterprise What will the CISO be, or need to do, in ~3-5 years? We discuss hiring into InfoSec - from outside, or within ... and why? JW gives us the one thing you need to remember   Guest J.W. Goerlich ( @jwgoerlich ) - Results-driven IT management executive with a track record of building high performance teams and providing flawless execution. Leverages background in systems engineering, software development, and information security expertise to consistently lower operating costs and raise service levels. Designs solutions that support long-term strategic planning and create immediate impact throughout product lifecycle in process and efficiency gains.

Join Patrick Ceresna every Monday for a snapshot of the week's index activity.