Podcasts about T Bank

On this episode of r-House, your host, Peter Hunt, welcomes Eric Feldstein, Regional President of Western New York at M&T Bank!Together, Peter and Eric discuss a variety of topics, including post-pandemic banking, economic development projects in WNY, technology and innovation, community involvement at M&T Bank and more. 

Join host Tom Dunlap on this episode of the Blackletter Podcast, where he dives into the intricate world of SBA lending, commercial real estate, and banking relationships with experts Janel Giambrone and Dee Kakar from M&T Bank, along with Clare Schuller, a seasoned real estate attorney from DBL. The discussion covers critical topics such as navigating SBA loans, building strong banking relationships, leveraging financial tools for business growth, and the evolving economic landscape. Whether you're a business owner, aspiring entrepreneur, or just curious about how the banking industry supports small businesses, this episode is packed with expert advice and actionable insights to help you succeed.

On this episode, Marlon Humphrey and Jack Settleman recap the Ravens playoff win over the Steelers, preview the divisional round against the Bills and talk about AJ Brown reading on the sideline of a game! (0:00) Intro (4:54) Meeting 2 Chainz  (7:25) Chad Ochocinco on Nightcap (9:45) AJ Brown reading a book (14:09) Who shows Lamar funny stuff on the internet (17:09) Patrick Queen (18:14) The loudest M&T Bank stadium (25:13) Should the Steelers fire Tomlin? (29:27) Deion Sanders to the Cowboys? (34:57) Bills-Ravens Preview (40:38) National Championship Pick

ESGDisclosureThe next wave of anti-ESG movement focuses on reduced disclosureDecrease in Director/NEO bio/photo disclosure in both proxy statements and corporate websitesAnti-DEI board compositionA sharp drop in new directors that are “diverse”An increase in overall board size; instead of outright replacing diverse directors, an increase of white male directors (who skew younger) are simply added to boardsMusk effectGreater re-domestication push: incorporate, headquarters, employees: SHPs reflect thisCEO pay reconfigured for higher payouts:Decrease in “longterm” CEO compensation performance periods to reflect shorter CEO tenure and general CEO greedNew players in proxy cage matches: toxic bros (maybe a bitcoin bro?)SEC moves to greatly restrict shareholders' right to submit proposalsWill lead to a significant decrease in E & S proposals: both in SHPs submitted and SHPs removedSHP support percentage will continue to decreaseBut I think we will see a new active conservative SHP machine to go along with the two CentersBlame game/oversight greenwashingIncrease in board-level committees (partly to due a thing and partly to pretend a thing was being done): AI, Cybersecurity, Succession PlanningSharp increase in “co-” arrangements: co-CEO; co-Chairs, etc. in order to shift blamePwC's figure that 49% of directors want someone on their board replaced (and 25% want two or more directors replaced) increases to 66% and 44%GeneralThe next “Bud Light” is… Kontoor Brands (Lee/Wrangler)Something deemed “woke” triggers the MAGA mob and when they discover in the proxy that the company “Increased board gender diversity in 2024” and was “undertaking a search for a potential additional gender diverse director” all hell breaks loose.Year of ZuckEven more so if TikTok failsThe obvious prediction is Musk buys a media company but maybe I think Zuck makes a pivotal acquisitionElon fades due to Tesla sucking and Trump battlesYear of Drones: a CEO is fired for either accidental or illegal misuse of dronesSignificant increase in the “banning” of social media and teen smartphone usePeopleBuffett diesTim Cook steps downAfter more than a decade of tenure, Doug McMillon begins leadership transition from Wal-Mart with eyes on 2028 PresidencyAI. Also Generative AI. And headwinds.Texas is the new FloridaTexas sees an influx of incorporation under the pretense of “regulation easing”, but every company that moves is basically just racistGoodbye shareholder rights, we hardly knew theeAbolish say on pay (not even advisory!)Every board moves to classified boardWhy not, investors don't challenge a single director anyway!Proxy voting policies are made illegal, as voting against the company in any way is considered discrimination against companiesAnti-ESG bills keep forgetting that G is in ESG… and they're banning it, which means no proxy voting at allWyoming includes language stating “assessing corporate board or employment” as “evidence of” having a social agenda, and therefore bannedCostco isn't aloneThe pushback against DEI pushback will come from the few, the strong, and the highly democratic boards with strong female power:1,023 mega, large, and mid cap US companies721 have diversity programs of some kind that are disclosed644 have disclosed targets or internal training around DEIOnly 94 companies have BOTH highly democratic boards (where power is dispersed evenly) AND top quartile female power on the board AND DEI programsThe most democratic is Costco - 32% female power (top quartile) and less than 3% deviation of power (4th most democratic in the entire US, tops for DEILayer in strong stock returns, and here are the companies who are likely to be targeted and push back:Procter & Gamble1yr/5yr up 8/31%Sell Braun, Gillette, Old Spice - man brands39% female power, 4% power deviationAltria1/5yr up 3/25%Cigarettes are still manly47% female power, 5% deviationMen FINALLY get some powerThe Meta Method: increase board size, add all men - went from one of the more gender diverse boards (fake, but still) to BELOW AVERAGE in one cycleThere are NINE board that by adding ONE more dude, they would become:Less than 50% femaleFrom positive to negative power gapRemain democratic (so dudes get a say) - here are the large caps:Cardinal HealthHPStryker CorpHonorable mention: Cracker Barrel, which is one Robbie Starbuck away from negating female powerThe US vs. Europe divide NARROWS… as the EU moves hard rightWatch 2025 elections: Norway parliament, German federal, Greece presidential, Czech parliament, Irish presidential (in which Conor McGregor is a viable candidate)The frameworks and regulations around environmental and ESG issues were so badly constructed, it's the perfect storm for pushback and rollback - watch the EU undo everything to catch up with the US in the race to the bottomThe rise of the director activistA new model in investor activism - director activism, not corporate activism - built on how people perform and whether they have the skills they should have on a particular boardFinding underperforming PEOPLE and replacing themFind underperforming companiesFind underperforming teams - globally…3,406 companies out of more than 10,000 with at least one director who has historically (and currently) performed in the BOTTOM THIRD of all directors on TSR726 of them, MORE THAN HALF THE BOARD is comprised of bottom dwelling directors196 of them MORE THAN HALF THE BOARD is comprised of bottom dwellers for BOTH TSR and carbonFind knowledge gapsIn the 196, Frontier Airlines has 8 directors with Econ backgrounds, but 4 with mechanical backgrounds, 2 with safety, and 2 with transportation backgroundsM&T Bank's largest expense is people… but there are ZERO directors with deep knowledge in HR or personnel management for highly paid employeesBegin a data driven vote campaign for cognitive diversityYou don't need an absurdly long powerpoint presentation with backing from Jeff Sonnenfeld to achieve this - your narrative is simple: we hire based on meritocracy, you guys stink.The absurd might not be so absurd?AIAI sues a company for discriminationIt was unfairly taught DEIAI is added to a board of directorsAnd labelled as “gender neutral” for the diversity matrixAI avatars to go to meetings for you, including your HR meetingsCowardsIn the wake of Brian Thomson's murder, Mark Zuckerberg figures out the new best use of the Metaverse: a place for boards and executives to meet without leaving their housesCompanies begin disclosing whether directors have guns, the horsepower of the engines of their cars, and whether they are “white” or a new race called “extra white”WokeThe first “woke parallel economy” investors begin popping up to combat the anti-woke parallel economy investorsWalled-off “woke zones” - like in stores that sold porn mags behind the counter, you can now request to enter the “woke zones” in stores where they keep pride merch and feminine products, but you need an ID to enter and children under 17 must be accompanied by an adult

Tune in to this episode of the Security Token Show where this week Herwig Konings and Kyle Sonlin cover the industry leading headlines and market movements, including how we've crossed $50B in market cap and even some predictions! Join the RWA Foundation and Read the Whitepaper: RWAF.xyz  Read STM's Global Tokenized Real Estate Market Guide 2024: https://docsend.com/view/rrfjz7zxzqb9na2q   Read the RWA Securities Market Update: https://docsend.com/view/7k8mr83xsgyt57yh   Company of the Week - Herwig: Frax Company of the Week - Kyle: Nest  = Stay in touch via our Social Media = Kyle: https://www.linkedin.com/in/kylesonlin/   Herwig: https://www.linkedin.com/in/herwigkonings/  Nico: https://www.linkedin.com/in/nicopantelis/   Jason: https://www.linkedin.com/in/jasonbarraza/   Opinion articles, interviews, and more: https://medium.com/security-token-group   Find the video edition of this episode on our Youtube Channel: https://www.youtube.com/@stmtvofficial The Market Movements 1. Frax Allocations Announced: https://beincrypto.com/frax-stablecoin-blackrock-buidl-fund/  / https://x.com/superstatefunds/status/1874935000820310326   2. Nest and Dinari Tokenize Blackstone Senior Loan ETF Vault: https://www.news-journal.com/nest-partners-with-dinari-to-deliver-real-world-yield-through-first-tokenized-blackstone-etf-on/article_2e936434-cf32-5857-a329-d54f77b37a1e.html     3. Plume Network Launches $25M RWA Tokenization Fund: https://www.prnewswire.com/news-releases/plume-network-launches-25-million-rwafi-ecosystem-fund-to-accelerate-real-world-asset-tokenization-and-innovation-302341436.html   4. Ondo to Natively Issue USDY on Plume Network: https://www.prnewswire.com/news-releases/plume-network-taps-ondo-finance-to-broaden-rwafi-ecosystem-with-tokenized-us-treasuries-302340097.html   5. Plume Network and Maseer To Tokenize $200M in Carbon Allowances: https://enterprisetalk.com/quick-bytes/plume-network-partners-with-maseer-to-tokenize-usd-200m-in-carbon-allowances-on-chain   The Token Debrief 1. Mizuho Securities and Blue Sky Tokenize Renewable Energy Business: https://www.ledgerinsights.com/mizuho-securities-involved-in-security-token-for-renewable-energy/   2. Franklin Templeton to Expand BENJI and Looks at More ETFs: https://blockworks.co/news/franklin-templeton-etfs-tokenization-2025   3. T-Bank to Enter Tokenization; Bank of Russia's CBDC Receives Negative Feedback: https://coingeek.com/russia-cbdc-faces-opposition-t-bank-dabbles-in-tokenization/   4. Binance Wallet Now Supports Matrixdock's XAUm Gold Token: https://thetokenizer.io/2024/12/30/matrixdock-integrates-xaum-gold-token-with-binance-wallet-to-advance-financial-equality/   5. Singularity Finance and Crymbo Partner on FATF Travel Rule Compliance: https://zycrypto.com/singularity-finance-partners-with-crymbo-to-streamline-digital-asset-compliance-with-fatf-travel-rule/   ⏰ TABLE OF CONTENTS ⏰ 0:16 Introduction 1:53 Market Movements 18:53 RWA Foundation Weekly Update 21:25 Token Debrief 32:35 Companies of The Week: Nest and Frax

Baltimore is home to several world-class sports facilities. Oriole Park at Camden Yards was recently voted the best Major League Ballpark in the USA Today Readers' Choice travel award contest, and M&T Bank stadium is full for many of their home game. Pimlico Racetrack, which has certainly seen better days, is an iconic location, home to the second leg of the Triple Crown. Now, the state is prepared to spend more than a billion dollars improving them. Are these improvements a good deal for fans and taxpayers? What models do other cities provide for what Baltimore might do with our stadiums? We'll talk about it today with Jon Morgan, an author who covered sports for many years at the Baltimore Sun, and Dennis Coates, a UMBC Professor of Economics and editor of The Journal of Sports Economics.Email us at midday@wypr.org, tweet us: @MiddayWYPR, or call us at 410-662-8780.

In preparation for rappelling down the M&T Bank building in Bridgeport on Saturday, Anna & Raven talked with Genieve Joseph from The Wakeman Boy & Girls Club. 

This coming Saturday, Anna will be rappelling down the M&T Bank building in Bridgeport for a good cause. Anna & Raven talked with CEO Sabrina Smeltz from The Wakeman Boys & Girls Club to find out all about their organization and how much they do for their community. 

Send us a textThis game is setting itself up to be an absolute delight on Sunday afternoon at the M&T Bank stadium.  Jayden Daniels, rookie from LSU, and the 2023 Heisman Trophy winner, is taking the NFL by storm.  The Commanders have won 4 straight games and have outscored their opponents 135-78, and in 3 of their last 4 wins they have held their opponents under 20 points (avg about 15ppg).  They have also outscored the AFC North 72-46 scoring 3TD and INT.On the other hand, the Ravens have also been on quite a streak.  They won their their last three games some would say in dramatic fashion (at least the last one lol). Lamar Jackson is playing MVP caliber football and could be on his way to a 3rd.  He has only thrown 1 interception this season, 9 touchdowns, and 4 of those touchdowns came against the Bengals last week. Can the Commanders pull off the upset? Can the Ravens stifle the Commanders offense and take advantage of their less than talented secondary? Will Ravens secondary issues continue? All this and more on another episode of Purple Pride Power Hour! FB: The Purple Pride Power Hour PodcastX: Deejay_bmoreJoin me on Instagram @purplepridepowerhour

In our latest episode, we are thrilled to sit down with Lopa Kolluri, Senior VP at M&T Bank, whose international and stateside journey in housing finance has transformed lives across sectors. From her early work in global development to leading affordable housing efforts here in the U.S., Lopa shares the powerful story of migration, community, and the pivotal role of home. Tune in to hear her insights on navigating challenges, breaking barriers as a woman of color, and the importance of mentorship. Don't miss it! 

On today's program, Randy Greenstein,  co-owner Big Night Entertainment talks about the nightclub scene in Boston and beyond. The CEO of M&T Bank, Rene Jones, joins us to discuss their Massachusetts businesses. Don Seiffert, managing editor of the Boston Business Journal,  joins us to talk about the pending  Biosecure Act act and how it would impact Massachusetts biotech companies. Jeff Myers, Research Director for Colliers International here in Boston, talks about the market for lab space. And finally, Chelcie Martin, owner Honey Pot  Hill Orchards in Stow Massachusetts talks about the business of Apple picking.

Fraudology is presented by Sardine.In this episode of Fraudology, Karisse Hendrick shares a Banking on Fraudology episode where Financial Fraud Fighter, Hailey Windham, welcomes Karen Boyer, SVP of Financial Crimes for M&T Bank, to dive deep into the complex world of fraud detection and prevention. Karen Boyer sheds light on the significance of understanding money movement and the challenges financial institutions face due to resource limitations and evolving tactics, including the impact of generative AI on phishing and social engineering. Together, they unpack the nuanced subject of money mules, the crossover between fraud and anti-money laundering, and the importance of collaboration and increased resources to combat these sophisticated schemes effectively.Fraudology is hosted by Karisse Hendrick, a fraud fighter with decades of experience advising hundreds of the biggest ecommerce companies in the world on fraud, chargebacks, and other forms of abuse impacting a company's bottom line. Connect with her on LinkedIn She brings her experience, expertise, and extensive network of experts to this podcast semi weekly, on Tuesdays and Thursdays.

Welcome to today's episode where we're diving into the future of financial services marketing with Chris O'Brien, SVP of Product at M&T Bank. We'll explore the strategic use of first-party data, the integration of omnichannel customer experiences, and the modernization of marketing technology. As SVP, Senior Product Owner at M&T Bank, Chris is responsible for driving growth by enabling go-to-market strategies through the application of MarTech, AdTech, and digital data strategy. Chris is focused on using a data-driven, audience-based, journey-led approach to build the underlying architecture to enable diverse enterprise use cases and elevate CX. RESOURCES M&T Bank website: https://www.mtb.com Connect with Greg on LinkedIn: https://www.linkedin.com/in/gregkihlstrom Don't miss the Mid-Atlantic MarCom Summit, the region's largest marketing communications conference. Register with the code "Agile" and get 15% off. Don't miss a thing: get the latest episodes, sign up for our newsletter and more: https://www.theagilebrand.show Check out The Agile Brand Guide website with articles, insights, and Martechipedia, the wiki for marketing technology: https://www.agilebrandguide.com The Agile Brand podcast is brought to you by TEKsystems. Learn more here: https://www.teksystems.com/versionnextnow The Agile Brand is produced by Missing Link—a Latina-owned strategy-driven, creatively fueled production co-op. From ideation to creation, they craft human connections through intelligent, engaging and informative content. https://www.missinglink.company

Welcome to today's episode where we're diving into the future of financial services marketing with Chris O'Brien, SVP, Senior Product Owner at M&T Bank. We'll explore the strategic use of first-party data, the integration of omnichannel customer experiences, and the modernization of marketing technology. About Chris O'Brien As SVP, Senior Product Owner at M&T Bank, Chris is responsible for driving growth by enabling go-to-market strategies through the application of MarTech, AdTech, and digital data strategy. Chris is focused on using a data-driven, audience-based, journey-led approach to build the underlying architecture to enable diverse enterprise use cases and elevate CX. RESOURCES M&T Bank website: https://www.mtb.com ActionIQ website: https://www.actioniq.com Connect with Greg on LinkedIn: https://www.linkedin.com/in/gregkihlstrom Don't miss the Mid-Atlantic MarCom Summit, the region's largest marketing communications conference. Register with the code "Agile" and get 15% off. Don't miss a thing: get the latest episodes, sign up for our newsletter and more: https://www.theagilebrand.show Check out The Agile Brand Guide website with articles, insights, and Martechipedia, the wiki for marketing technology: https://www.agilebrandguide.com The Agile Brand podcast is brought to you by TEKsystems. Learn more here: https://www.teksystems.com/versionnextnow The Agile Brand is produced by Missing Link—a Latina-owned strategy-driven, creatively fueled production co-op. From ideation to creation, they craft human connections through intelligent, engaging and informative content. https://www.missinglink.company

This week, our guest is Tim Wade, regional president for M&T Bank, who speaks on the lending environment for small businesses, partnering with area nonprofits to help fund housing developments and more.

On this episode of the SeventySix Capital Sports Leadership Show, Wayne Kimmel interviewed Andy Guelcher & Darius Prince from the Albany Firebirds & Jon Williams from Summit Trail Adivors. Williams joined Summit Trail Advisors as a Partner in 2019. Williams works closely with a select group of high-net-worth clients and their outside advisors to develop and execute financial strategies, acting as their outsourced family office. His team specializes their focus on business owners, entrepreneurs, public company executives, and private foundations. Prior to joining Summit Trail Advisors, Williams was a Managing Director and Senior Private Client Advisor at Wilmington Trust for nearly 12 years. Previously, he held roles in private banking and in the investment advisory business with UBS and M&T Bank. In 2017, he was named to Central Pennsylvania Business Journal's 40 under 40 where he was recognized as a top young business leader in the Central PA region. Williams serves on the advisory board for the Children's Miracle Network and is a member of the Central Pennsylvania Estate Planning Council. Jon Williams: LinkedIn: https://www.linkedin.com/in/jonwilliams-sta/ Guelcher is the President at Mohawk Chevrolet in Ballston Spa, NY. Guelcher began his career nearly 20 years ago as a sales person in Pennsylvania & slowly worked his way thru the business. He arrived in the Capital Region 8 years ago & has spent the last 3 as President of Mohawk Chevrolet. Guelcher set a goal early in his career to be in his position today. However, he did achieve that goal at a pretty interesting time. In his interview with WGY's Doug Goudie, he talks about how just 30 days after opening the dealership in November 2019, General Motors went on strike. About 90 days later, the Covid-19 pandemic began. At first, there was concern, not knowing which direction the automotive industry would go, but it ended up taking a turn in the opposite direction & became the best timing they could have asked for. Like so many other businesses, Guelcher & his team have also dealt with supply chain issues over the past couple years. Between the parts & microchip shortages, Guelcher has stayed true to the core values of his business to carry them thru. Andy Guelcher: LinkedIn: https://www.linkedin.com/in/andrew-guelcher-18485777/ Darius Prince is no stranger to football and has been playing professionally for over a decade. Prince has played for several leagues including the NFL, AFL, NAL, XFL, and even the AAF. His list of accolades is like no other. He is a 3-time arena football champion. Winning the 2017 Arenabowl, 2021 National Arena League Championship, and 2022 National Arena League Championship. He has been a 2-Time All-Arena First Team Offense, 3-Time All-NAL First Team Offense, Arenabowl XXX MVP, 2021 National Arena League Offensive Player of the Year, and 2022 National Arena League MVP. All without playing college football. In January 2020, Darius Prince joined the XFL and signed with the New York Guardians and was unfortunately waived for final roster cuts. In 2021, Darius Prince signed with the Albany Empire and had multiple historic seasons winning 2 NAL titles being awarded 2021 National Arena League Offensive Player of the Year, and being the first Wide Receiver National Arena League MVP in 2022. He scored 29 touchdowns in 2021 and a massive 39 in 2022. After playing for Albany and Orlando in 2023 he had 28 touchdowns. Darius Prince:LinkedIn: https://www.linkedin.com/in/darius-prince-a4b1b0124/

Banking on Fraudology is currently accepting sponsor applications until July 15th. Apply through this form or contact Hailey directly.Welcome to Banking on Fraudology! Today, we're diving deep into the world of financial crime with our guest, Karen Boyer, a banking veteran with 24 years of experience, including 17 focused on fraud prevention and mitigation at M and T Bank. In this episode, Karen and our host, Hailey Windham, explore the complex challenges banks face in detecting fraudulent activities and understanding the intent behind accounts.We'll discuss the growing problem of money mules and the significant impact they have on both society and the economy, often funding organized crime in non-friendly nations. Karen shares her insights on the need for collaboration between banks, telecoms, social media platforms, and regulatory bodies to tackle these issues effectively.Hailey and Karen will examine the shift from traditional Bank Secrecy Act (BSA) compliance to proactive fraud prevention at the point of money movement. They emphasize the importance of real-time transaction monitoring, the crucial role of fraud and BSA team partnerships, and the ongoing challenges law enforcement faces in understanding and addressing banking fraud.Also, we'll talk about the liability shift that could hold financial institutions more accountable for fraudulent activities passing through their systems and the increased resource allocation post-Covid to combat these crimes. Karen predicts the future landscape of financial fraud, highlighting emerging threats like generative AI and deep fake technology, as well as the rise of synthetic identities in the fraud world.Join us for a candid conversation that underscores the critical need for industry-wide awareness and collaboration to prevent, detect, and mitigate fraud. Don't forget to subscribe to "Banking on Fraudology" to stay updated on the latest episodes filled with expert insights and strategies for navigating the evolving landscape of financial fraud.About Hailey Windham:As a 2023 CU Rockstar Recipient, Hailey Windham, CFCS (Certified Financial Crimes Specialist) demonstrated unbounding passion for educating her community, organization and credit union membership on scams in the market and best practices to avoid them. She has implemented several programs within her previous organizations that aim at holistically learning about how to prevent and detect fraud targeted at membership and employees. Windham's initiatives to build strong relationships and partnerships throughout the credit union community and industry experts have led to countless success stories. Her applied knowledge of payments system programs combined with her experience in fraud investigations offers practical concepts that are transferable, no matter the organization's size. Connect with Hailey on LinkedIn: https://www.linkedin.com/in/hailey-windham/ Banking on Fraudology is part of the Fraudology Podcast Network.

Note: During this episode Dr. Michael Mantell stands in for Dr. James Cooley. Let's talk about small business and banking! How can the banking industry support our growing businesses?

Kassidy McVey and Tim Jakubowski from Nota by M&T Bank join us on the podcast today to discuss Nota. Nota is a cloud platform which provides business banking solutions for attorneys managing small law firms. This podcast covers why M&T created this great product, how Nota differs from other products on the market, what Nota replaces, how Nota increases efficiency, how M&T supports the product, product pricing, and more. Get set up with Nota by M&T Bank today: https://www.trustnota.com/. See all episodes or subscribe to the Personal Injury Marketing Minute here: https://optimizemyfirm.com/podcasts/. Transcript coming soon.

Joe Connelly, Executive Director of Run Vermont and Heidi Stumpff, Regional President of M&T Bank, join Kurt & Anthony to talk about the upcoming 2024 VT City Marathon.

Julia Koulouris, Old Wethersfield Shopkeepers Association, and President. Wethersfield Chamber of Commerce, Natia Shukakidze with M&T Bank. Talk about the   “Bicycles On Main” a month long celebration of spring! Event will feature the creative submissions of various local youth, family and business groups, who've come together to create and decorate a bicycle in celebration of Bicycle Month.

On this week's episode of the show, the boys kick off by Josh breaking down his first festival experience. Josh took on Breakaway in Charlotte this past weekend, and he gives us his overall thoughts and feelings, as well as who some of the best performances were. Before jumping into this week's sports talk, Josh also provides a HUGE life update as he is officially leaving Liberty University for a spot at (check's clipboard) Duke University. A surprising move for a lifelong Maryland fan, but an incredible one nonetheless and we're super happy for him. The sports talk this week starts off with the Orioles as they're on a bit of a hot streak entering this week, coming off a Three of Four game series win vs the Yankees, and a sweep of the Reds. O's pitchers are on FIRE lately, spearheaded by the returns of Kyle Bradish and John Means, who delivered an ace-level first outing. Moving across the B/C lot to M&T Bank stadium, the Ravens made news by signing four of their rookies this week, including first round pick Nate Wiggins. They were the first team in the league to lock up their top pick. Second round pick Roger Rosengarten fired Dante up this week with his quote about protecting Lamar Jackson, and the boys talk about how this offensive line could look with some potential starting pieces in the locker room already. Lastly in the NFL, much to Dante's dismay, Odell Beckham has signed a one-year deal with the Miami Dolphins. Dante is sad. The Kentucky Derby was this weekend and Mystik Dan won a great race. Anthony Edwards is proving to everyone that he is appointment television, as well as (potentially) Michael Jordan's biological son. The boys wrap up with their music for the week, and we ride off into another fantastic weekend. Cheers to you all for coming back and rocking with us each week. Love yall!

¿Cuántas veces hemos escuchado la frase: “Comparar casa es la mayor inversión que haremos en la vida”? Y es muy cierta. Además de la tranquilidad y la seguridad que nos transmite el hecho de tener un hogar, un préstamo hipotecario es quizás la mayor deuda que adquiramos en la vida.  con Eli Rosario, Representante Hipotecario en M&T Bank. ====================================== M&T Bank 1703 Oregon Pike, 1st Floor.  Lancaster, PA 17601. 717-399-6666  --- Send in a voice message: https://podcasters.spotify.com/pod/show/radiocentro/message

In this episode we talk with Jean-Paul LaClair, Senior Director of Product and Financial Data Exchange about the best ways to pursue open finance through adoption of systems and standards. Jean-Paul came out of Cornell University with a BA in Economics and Sociology, and prior to landing at Financial Data Exchange worked at USAA and M&T Bank. We cover topics like: What's lacking in our conventional approaches to lending? How do we build a financial ecosystem that serves everyone? What exactly is open finance? How exactly does open finance benefit consumers and customers? How do you get so many players in finance to coalesce around one standard? What are the security concerns around open finance and data-sharing? Who are the member organizations that would participate in open finance? Useful Links: Financialdataexchange.org

Parkside Marketplace, a 52,948-square-foot shopping center on West Broad Street across from Innsbrook, has been sold by Washington, D.C.-based Stavins & Axelrod to Northpond Partners for .35 million. It is the first acquisition made by the new 0 million evergreen investment vehicle focused on retail centers in the Southeast and select Sunbelt markets. The shopping center is 98% leased to a diverse mix of tenants that includes West Marine, Five Guys, AT&T, and M&T Bank. The 26 tenants have an average tenure of 15 years. “We've been pleasantly surprised by the number of potential centers available to our new fund....Article LinkSupport the show

Welcome to your weekly UAS news update, we have 4 stories for you this week: Remote ID for the DJI minis, an armed suspect escaped police after shooting down a drone, a man faces felony charges after flying over NFL game, and the Super Bowl is a No-Drone-Zone. First up this week is an update on Remote ID for the Mini 3, Mini 3 Pro, and Mini 4 Pro. Last week we covered that DJI's latest firmware update that removed remote ID when using the small batteries. This firmware update applies to ONLY the Mini 3 and the Mini 4 Pro at this time, if you have the Mini 3 Pro, the drone will transmit RID with both batteries. For the other two drones (The Mini 3 and the Mini 4 Pro) we reached out to DJI. After meeting with DJI we found out that each drone is considered two models, one with each battery. The large battery will transmit remote ID, while the other battery does not. Only the drone and larger battery is approved by the FAA. We'll be publishing a full video on this topic soon and we'll place a card here when it's time! https://dronexl.co/2024/02/02/dji-clarifies-mini-drones-rid-compliance/ Next up this week is kind of a scary one out of California. Police with a warrant were conducting surveillance with a drone in Shasta County on a man wanted for multiple felonies including assault with a deadly weapon. During the operation, the wanted man shot the drone down. A SWAT team was deployed along with California highway patrol, but the man escaped and remains at large. The incident is a great example of how drones put cameras in harms way instead of people. https://dronexl.co/2024/02/02/suspect-shooting-law-enforcement-drone/ Third up this week is likely one you've seen, a man is facing felony charges after illegally operating a drone at a NFL game in Maryland. Matthew Hebert allegedly flew his drone over the M&T Bank stadium during a TFR on January 28th, 2024. The NFL suspended the game due to the drone while Maryland State Police and the FBI located the drone pilot. The pilot advised police he relied exclusively on DJI's built in geofencing to tell him where he could and couldn't fly and that because no DJI restrictions were in place, he assumed he could fly. The drone was unregistered and Hebert does not possess a remote pilot certificate. If convicted, the maximum sentence is three years in federal prison for operating as an airman without an airman certificate and operating an unregistered drone. Another charge of willfully violating US National Defense Airspace would add another possible year to the charge. We'll keep you updated if we see anything else about this. https://www.justice.gov/usao-md/pr/pennsylvania-man-facing-federal-felony-charges-illegally-operating-drone-during-national?fbclid=IwAR240Cf8I9ZA5rX4dOaBMUisUFlfgFqEVd93Y9ONw5uwUm7wMMChuyn4Uac On the same topic, the Super Bowl is this weekend… if you're in Las Vegas, there is a 30 NM TFR around the game… The FBI WILL be visiting pilots who bust this TFR… Don't bust it! Las Vegas has a number of drone detection stations around the city, don't think that you won't get caught… Don't be that guy, check the TFRs before you fly! https://dronexl.co/2024/02/05/las-vegas-no-drone-zone-super-bowl-faa/ Alright, that's it, have a great weekend and we'll see you next week!

In der heutigen Folge „Alles auf Aktien“ sprechen die Finanzjournalisten Daniel Eckert und Laurin Meyer über Freude bei Ford, lange Gesichter bei Snap und zwei gelungene Börsen-Debüts. Außerdem geht es um Walt Disney, Paypal, Deutsche Börse, Renk, Athens International Airport, New York Community Bancorp, Deutsche Pfandbriefbank, Morgan Stanley, Deutsche Bank, Commerzbank, M&T Bank, JPMorgan Chase, Citigroup, Bayer, Siemens, Merck KGaA, Merck & Co., Villeroy & Boch, LVMH, Coca-Cola, Procter&Gamble, Eli Lilly, Stanley Black & Decker, York Water, Bank of New York Mellon und iShares Global Clean Energy ETF (WKN: A0MW0M).  Wir freuen uns an Feedback über aaa@welt.de. Disclaimer: Die im Podcast besprochenen Aktien und Fonds stellen keine spezifischen Kauf- oder Anlage-Empfehlungen dar. Die Moderatoren und der Verlag haften nicht für etwaige Verluste, die aufgrund der Umsetzung der Gedanken oder Ideen entstehen. Hier findet ihr alle AAA-Bonus-Episoden bei WELT – dazu den AAA-Newsletter und noch weitere WELTplus-Inhalte: https://www.welt.de/podcasts/alles-auf-aktien/plus247399208/Boersen-Podcast-AAA-Bonus-Folgen-Jede-Woche-noch-mehr-Antworten-auf-Eure-Boersen-Fragen.html Hörtipps: Für alle, die noch mehr wissen wollen: Holger Zschäpitz können Sie jede Woche im Finanz- und Wirtschaftspodcast "Deffner&Zschäpitz" hören. Außerdem bei WELT: Im werktäglichen Podcast „Das bringt der Tag“ geben wir Ihnen im Gespräch mit WELT-Experten die wichtigsten Hintergrundinformationen zu einem politischen Top-Thema des Tages. Mehr auf welt.de/kickoff und überall, wo es Podcasts gibt. +++ Werbung +++ Du möchtest mehr über unsere Werbepartner erfahren? Hier findest du alle Infos & Rabatte! https://linktr.ee/alles_auf_aktien Impressum: https://www.welt.de/services/article7893735/Impressum.html Datenschutz: https://www.welt.de/services/article157550705/Datenschutzerklaerung-WELT-DIGITAL.html

Welcome to Part 2 of our State of Small Business Panel on The Art of SBA Lending Podcast with William "Bill" Woodard, Chief Credit Officer at T Bank, Jordan Hallam, Director of Government Guaranteed Lending at SouthState Bank, Nick Roach, President and CEO of Stone Bank. In this episode we cover which industries are hot right now, why you should be thanking your servicing teams, spikes in deal fall-outs and pay-offs, unpacking valuation gaps, and increased brandawareness of SBA since covid.   Don't forget to subscribe to stay up to date with new episodes dropping every Thursday morning! Navigate this episode 1:55 Which industries are doing poorly and which are doing well right now? 5:12 What trends have you noticed from home improvement businesses born in the Covid era? 9:20 Giving credit and props to your servicing teams 11:15 Noticing a spike in pay-offs 14:25 Making revisions to origination based on analyzing your portfolio 17:41 Cautiously optimistic origination 19:20 Unpacking the valuation gap 21:52 Fragility of transactions and deal fall-outs in acquisitions 23:40 Construction industry insights 25:19 Increase in demand and brand awareness for SBA due to PPP 27:42 YOY SBA volume trends for 2023 29:04 One lesson you learned in 2023 32:12 Another one of Ray's games- what inning of this economic cycle are we in? 34:09 One thing to look forward to in 2024 This episode is sponsored by: Rapid Business Plans Rapid Business Plans is the go-to provider of business plans and feasibility studies for government guaranteed small business lenders. For more information, or to set up a Get Acquainted call, email Bethany McClellan at Bethany@rapidbusinessplans.com Lumos Data Lumos empowers your small business lending growth with cutting-edge analytics and streamlined applications that optimize your performance. If you're ready to take your small business lending to the next level with cutting edge analytics visit lumosdata.com.

Welcome to the newest season of The Art of SBA Lending Podcast! This week we are kicking off with part-one of a fan-favorite, panel-style episode discussing the (surprising) state of small business. Our host, Ray Drew welcomes Bill Woodard, Chief Credit Officer at T Bank, Jordan Hallam, Director of Government Guaranteed Lending at SouthState Bank and Nick Roach President and CEO of Stone Bank. Listen to their takes on the state of small business and how it's not quite going the way we expected, managing relationships with borrowers that aren't communicating favorably and how to change that, deferment requests, protecting your bank and the benefits of meeting a borrower in person during the lending process. Remember to subscribe to our channel so you don't miss part-two! ‌ 2:15 introduction to the panel 3:45 The state of small business is ____ 6:01 How are small business borrowers doing right now? 8:13 Why the current state of small business is surprising us 9:40 Are borrowers more likely to inquire about deferment requests and concessions these days? 13:55 How the panel handles deferment requests, navigating isolated incidents and protecting your bank 22:12 Dealing with borrowers who don't communicate 24:19 Servicing the loans to enhance borrower communication post-close 28:08 Should lenders be providing ongoing financial analysis as a service for borrowers? 32:22 Should meeting borrowers in-person be the standard? 35:38 Importance of "character", intuition and site visits 41:45 Throwing good money after bad money. When a borrower needs working capital, what do we do?   ---------------------------------------------------------------------------------     This episode is sponsored by:      Able Able is an a AI-powered deal acceleration platform that streamlines the most hated process in SBA lending: document collection and management. You can learn more about Able and schedule a demo by going to www.able.ai     Lumos Data Lumos empowers your small business lending growth with cutting-edge analytics and streamlined applications that optimize your performance. If you're ready to take your small business lending to the next level with cutting edge analytics visit lumosdata.com 

To flourish, innovation hubs need the right combination of talent, tech, funding, and market access. Rob and Jackie sat down with Jessica Corrigan, the director of M&T's Tech Academy, to discuss how smaller regions can become powerful innovation ecosystems.MentionedRobert D. Atkinson, “Comments to the Commerce Department Regarding Implementation of the Regional Technology and Innovation Hub Program,” (ITIF, March 2023).RelatedMatt Ashare, “At M&T Bank, modernization and talent strategies intersect in the cloud,” (CIO Dive, June 2023).Robert D. Atkinson, “Understanding the U.S. National Innovation System, 2020,” (ITIF, November 2023).

Matt and Ant are joined by Ashley from the UK Ravens to break down the Detroit Lions (5-1) visit to M&T Bank stadium to play the AFC North-leading Baltimore Ravens. Who wins in the battle of Northern leaders? Explicit Language is in this Podcast. Facebook page: @Roarothelionsuk Facebook group: Detroit Lions Fans UK One Pride World Wide Twitter: @ROTL_UK Instagram: @ROTL.UK Twitch: rotl_uk YouTube: Roar Of The Lions UK Website: Roarofthelionsuk.com (new merch store available via website)

The word ‘networking' may seem a bit outdated, but perhaps it is time to update its meaning. To talk about that, Linda Nazareth is joined on this episode by Andres Lares, Managing Partner at Shapiro Negotiations Institute. They cover what networking means today and why and how it is something that everyone needs to be doing it in a work context. Guest:  Andres is the Managing Partner at SNI, where he is responsible for the day-to-day operations of the global training and consulting firm. He previously served the role of Chief Innovation Officer until 2017.  His multi-disciplinary and lingual skills broaden SNI's ability to effectively teach and consult in a wide range of industries, languages, and cultures. Andres' expertise is in deal coaching live negotiations, and has focused on sports clients such as the San Antonio Spurs, Cleveland Indians, Cleveland Browns, Milwaukee Brewers, Oklahoma City Thunder, and Brooklyn Nets. He also works in several capacities with clients across a wide range of industries – from developing online content to facilitating programs in Real Estate (Lennar), Advisory (PWC, Grant Thornton), Media (ESPN, Roku, Hearst), Banking (M&T Bank), Aerospace (Boeing, Collins Aerospace, Pratt & Whitney), Insurance (Great American Insurance), and Pharmaceutical (Novo Nordisk, Roche), to name...

Introduction Ryan Caughill is an experienced Technology Disaster Recovery and Crisis Manager for M&T Bank. Additionally, Ryan is the Director of the Buffalo Naval Park Office of Disaster Management & Preparedness, an all-volunteer position. Ryan is a volunteer with the Sullivans Division and Training Ship Little Rock of the US Naval Sea Cadet Corps in Buffalo, NY where he is in year 15 and currently serves as the Operations Officer. As the Ops Officer he has worked to introduce disaster preparedness to the 10-18 year old cadets through the establishment of the annual Horizon Guardian exercise which involves NYS, Erie County (NY), and the US Coast Guard. While he has spent a minimal amount of time in the field, he has activated for disasters such as Hurricane Ian, the 2023 Northeast Flooding, and the Blizzard of 2022, of which he was helping mange the impact as it occurred right outside his window, trapping him for 9 days. Ryan graduated from the Pennsylvania College of Technology in 2020 with a BS in Emergency Management and a minor in communications. Key positions: - Assistant Vice-President, M&T Bank Crisis Management Office - Director, Buffalo Naval Park Office of Disaster Management & Preparedness - Lieutenant Junior Grade, US Naval Sea Cadet Corps Contact Information: https://www.linkedin.com/in/ryan-caughill-6a1439129/

This is “IRON” Mike Steadman,  host of Black Entrepreneurs Survive and Thrive, happy to announce we're back with another Season of the Show.  Our first 12 Episodes allowed to highlight  the impact of patient capital, the BEST Fund, and the resilience of black entrepreneurs here in the great state of New Jersey. When we initially launched, we were still coming out of the pandemic and the new normal.   A lot of support was thrown at Black Entrepreneurs in the aftermath of the  George Floyd and the economic devastation caused by COVID-19. Now, nearly three years later, as much of the support  has waned and inflation has skyrocketed, patient capital is more important now than ever.  Thanks to M&T Bank, the official sponsors for Season 2 and stewarts of the BEST Fund, we're able to highlight more black entrepreneurs and continue to spread the word about patient capital.  New Episodes new drop two weeks from today, so make sure you hit that subscribe button and spread the word.  

FCC Fees, AI in acting should they be concerned, Low-end iPad for wedding, How do I fix the CD player in my car, My smart Home got dumb and it freaked out my parrot! M&T Bank hack.

We're back with Season 3 of Room For Growth, taking a deep dive into the financial services industry with Chris O'Brien from M&T Bank.With artificial intelligence proliferating in more and more industries, many financial marketers are in a test-and-learn phase to discover AI use cases with truly impactful business outcomes. In contrast, large banks have begun leveraging AI to tailor messaging based on customer behavior. In turn, there may be a major opportunity to maximize the use of business intelligence tools and the resulting data analytics to further optimize targeted segmentation efforts. Chris O'Brien, Senior Product Manager at M&T Bank, is optimistic about AI's future in this space, especially with use cases like content generation and experimentation as drivers for operational efficiency and growth. As a MarTech strategist, he directly addresses the challenges of balancing centralized control and agility while maintaining trust and making investment decisions in a limited-budget environment. With the financial industry's increased capacity to collect and analyze behavioral data, firms will have to decide on the importance they place on segmentation versus one-to-one personalization. Ultimately, Chris believes aligning MarTech strategy with business goals and customer needs is paramount.Hot topics discussed: The role of AI and emerging technologies in understanding customers Trends and challenges in Finance MarTech How to adapt to changing customer behaviors Examples of AI integration in business systems Keep the growth going: Connect with Chris O'Brien, M&T Bank Senior Product Manager on LinkedIn Connect with Billie Loewen, WillowTree Partner & VP of Growth Marketing on LinkedIn Connect with Billy Fischer, WillowTree Partner & VP of Business Development on LinkedIn Follow WillowTree on LinkedIn

Episode Overview:While the CDO role gains prominence and importance across most organizations, many CDOs are set up to fail from poorly defined roles, a lack of trust, and an insufficient focus on business outcomes. In this 31st episode of the CDO Matters Podcast, Malcolm interviews Allison Sagraves, the founding CDO of M&T Bank, to ask why so many CDOs face these challenges, and what they must do to overcome them.In reference to an insightful HBR article Allison recently published on CDO success, she provides her insights on how CDO's can manage a critical balance between patience and urgency, and the importance of taking the time to recognize where positive strides are being made to deliver on a data strategy. Malcolm reminds CDO's how important it is to ‘pound the drum', a metaphor for the importance of marketing – and celebrating – all the strides companies are making towards becoming more data-enabled.From data literacy, to data quality, to the next generation of data leaders, Malcolm and Allison have a wide-ranging conversation on some of the biggest issues facing data leaders today. Episode Links and Resources: • Follow Malcolm Hawker on LinkedIn• Follow Allison Sagraves on LinkedIn• Read Allison's article on Harvard Business Review, “Why Chief Data and AI Officers Are Set Up to Fail”

Boys are back this week ready to talk about another full week of Baltimore sports. Orioles take two of three in Seattle, largely in thanks to what will be revered as "The Cedric Mullins Game." Scoot professes his love for Mullins in light of one of the most clutch performances we've seen from the Orioles' center fielder in quite some time. On the heels of said game, Grayson Rodriguez made his best professional start kicking off the series against the Padres going 7 innings with 6 strikeouts, 1 walk and 1 earned run to go along with a big win. Jack Flaherty did not have the same stuff in game two, however, as the Slam Diego Padres roughed him up in his few innings of work. The talk of the town this week in Orioles land was the sending down of once top prospect Colton Cowser to AAA Norfolk, making room for Aaron Hicks being activated from the IL. Dante doesn't love it, and doesn't really agree with it, but Scoot gives his take on why this is nothing more than a small speed bump for our dear friend Colton. Moving across the I-395 parking lots to M&T Bank stadium, the Ravens extended their comically long preseason win streak to 24 games, taking down the Eagles last Saturday night. The boys give their seldom thoughts on what they actually watched in this game, who stood out, who didn't look so hot, and what they want to see in the next game against the Commanders. Marlon Humphrey made some news this week with the announcement that he has a foot injury that will require surgery, putting his start to the season on hold potentially. Dante and Scoot dive into how much this hurts an already depleted Ravens secondary, and what moves, including two potential trade targets, they can make to put a bandaid on their defensive backfield. In more lighter Ravens injury news, running back JK Dobbins returned to camp this week and rejoined the team in camp. A sight for sore eyes certainly was number 27 back on the practice field, which hopefully means Dobbins is bought in for this season. Zay Flowers has been making a fool of Commanders' defenders in joint practices this week, which have also featured a number of scraps in which the Ravens feel like they're not playing around. Finally, in honor of the Untold "Johnny Football" documentary that came out last week, the boys are drafting their Top 5 most electric college football players of all time. Tap in and spread the word. Cheers!

Trust is fundamental in building a referral-based business.. We need to have trust within our sphere and community in order to get successful referrals. As Christians, we need to be intentional with building relationships and earning trust from those around us.How do we build and maintain relationships with people in business with us, and how do we show them that we care? How can we show them that they can trust us?In this episode, real estate professional, author, and serial entrepreneur Rob Commodari joins us to talk about relationship building, referrals, finding the perfect balance between competency and character as well as how to recognize when you're not being your authentic self. 3 Things You'll LearnWhat should we strive for? As believers, we should strive to be more like Christ. It may turn people away from us, but it can also lead people to us. Authenticity is key. Why is being authentic so important when it comes to building a business based on referrals?The value of making contact. Contact shows you care. Care comes from the consistency of staying in touch. How can we show we care about those in our community?Guest Bio & Links -Rob grew up in a family of two parents and seven siblings living in a two-bedroom, one-bath 745 square foot house in Northeast Baltimore City. A serial entrepreneur, Rob has been involved in several businesses. He had his own newspaper business from 1994 until 2004.  He flipped a few houses over the years and has spoken in front of several organizations, including Wells Fargo, Sherwin-Williams, Wachovia, M&T Bank, BB&T Bank, The Baltimore Sun, and others. In Rob's first book, Better Than You Think, he shares his experiences and insights on awareness and how he has grown into the person he is today, and the person he wishes to become, which is an ever-changing goal. His goal is to inspire and impact everyone he meets to fulfill their God-given potential.Rob currently owns a real estate team at eXp Realty in Baltimore County, Maryland. He has sold more than 1,700 homes and continues to build his team, leading the way by instructing agents not only on the ins and outs of the business of real estate, but on how to be their best selves. Find Rob on LinkedIn @Rob CommodariVisit https://www.robcommodariauthor.com/ Special thanks to our sponsor - Rachel Inman of the Mortgage Mommas. Learn more about her here - https://linktr.ee/mortgagemommas A HUGE thanks to our Patreon supporters as well. Click here to learn how you can support too! patreon.com/TheFaithfulAgentPodcast

It is a Friday edition of Glenn Clark Radio, Glenn and Griffin will recap a shaky Orioles win yesterday as they avoided getting swept once again, this time by the reigning World Series champs, in what is hopefully a sign of things turning around after a pretty ugly week in Baltimore. Stan ‘The Fan' Charles is going to join the boys in studio as he does every Friday to give his thoughts as the Kevin Brown situation appears to quiet down and we prepare for birds' West Coast trip. At 10:20am, we will catch up and check-in with PressBox's Ravens beat writer Bo Smolka, as we prepare for the Ravens first preseason game tomorrow night at M&T Bank and he tells what we should be watching for. At 11am, we will make a trip out West when we chat with Mariners' radio play-by-play voice, Rick Rizzs, to help us preview the weekends' Mariners-Orioles series in Seattle. All that and more on a Friday edition of GCR…

YIELDS and the Curve - getting weirder. Bear Twist -Tucked and ran. Earnings season update - big change this week to end the season. The Closest to The Pin standings! PLUS we are now on Spotify and Amazon Music/Podcasts! Click HERE for Show Notes and Links DHUnplugged is now streaming live - with listener chat. Click on link on the right sidebar. Love the Show? Then how about a Donation? Follow John C. Dvorak on Twitter Follow Andrew Horowitz on Twitter Warm Up - Musk/Zuck cage-fight news - Yields spike - Yield curve spreads - Prominent Bear - begs for mercy (Bullish Bear?) - Beer Ball - Reversing The Trend - Banks - Bowie: Under Pressure (who Else was featured on that song?) Market Update - Market Moving - earnings and ECO - Eco report was confusing many - what is the deal? - Earnings - some big hits and some big misses - An update on earnings season - Markets bummed - more downgrades, China data sucks 30 Second Shameless Host Plugs Inflation - Key CPI report out this week (tomorrow) - but many looking for consistent drop (AH sees potential for near-term bounce higher in inflation) - 3.5% - but weaker additions to payroll/jobs. - Wage growth kicking up again - Manheim Used Car Index -1.6% m/m, -11.6% yr/y (seeing moderation, but prices still high) Employment China Eco - China said Tuesday that exports fell by 14.5% in July from a year ago, while imports dropped by 12.4% in U.S. dollar terms. - That's worse than what analysts had expected. - A Reuters poll predicted a 12.5% decline in exports in July from a year ago, in U.S. dollar terms. Imports were expected to have dropped by 5% during that time, according to the poll. Yield Curve - The U.S. yield curve steepened by 20-30 basis points last week - the biggest steepening since March - and the steepening of the 2-year/30-year yield curve by 30 basis points was one of the biggest weekly moves in over a decade. - Lots of talk from Bill Ackman about shorting the long end of the curve (20-30 yr) Earnings Season - Almost ending - The blended year-over-year earnings decline for the second quarter is -5.2% today, compared to an earnings decline of -7.4% last week and an earnings decline of -7.0% at the end of the second quarter (June 30). - If -5.2% is the actual decline for the quarter, it will mark the largest year-over-year earnings decline reported by the index since Q3 2020 (-5.7%). It will also mark the third straight quarter in which the index has reported a year-over-year decrease in earnings. - Big mega-cap numbers helped over last week DOWNGRADES - Ratings agency Moody's downgraded the credit ratings of several U.S. banks on Monday and warned it was reviewing the status of some of the nation's biggest lenders. - Moody's cut the ratings of 10 U.S. banks by one notch and placed some banking giants on review for potential downgrades. The agency also changed its outlook to negative for several major lenders. Overall, it changed the assessments for 27 banks in the sector. - The downgraded banks include M&T Bank, Pinnacle Financial Partners, Prosperity Bank and BOK Financial Corp . - The banks placed on review for downgrade include BNY Mellon, US Bancorp, State Street and Truist Financial. -"Many banks' Q2 results showed growing profitability pressures that will reduce their ability to generate internal capital," Moody's wrote in a note. Italy! - How Do You Say Morons in Italian? - deficiente OR il ritardato - Italian banking shares took a beating on Tuesday morning after Italy's cabinet approved a 40% windfall tax on lenders' "excess" profits in 2023. - Just off negative rates and banks being punished again - Italian Deputy Prime Matteo Salvini told a press conference on Monday that the 40% levy on banks' extra profits derived from higher interest rates, amounting to several billion euros, will be used to cut taxes and offer financial support to mortgage holders.

Learn more about Jon Gordon and h keynotes: https://premierespeakers.com/jon-gordon Jon Gordon's best-selling books and talks have inspired readers and audiences around the world. His principles have been put to the test by numerous Fortune 500 companies, professional and college sports teams, school districts, hospitals, and non-profits. He is the author of 16 books including 6 best-sellers: The Energy Bus, The Carpenter, Training Camp, You Win in the Locker Room First, The Power of Positive Leadership and his latest The Power of a Positive Team. Jon and his tips have been featured on The Today Show, CNN, CNBC, The Golf Channel, Fox and Friends and in numerous magazines and newspapers. His clients include The Los Angeles Dodgers, The Atlanta Falcons, Campbell Soup, Dell, Publix, Southwest Airlines, LA Clippers, Miami Heat, Pittsburgh Pirates, BB&T Bank, Clemson Football, Northwestern Mutual, Bayer, West Point Academy and more. Jon is a graduate of Cornell University and holds a Masters in Teaching from Emory University. He and his training/consulting company are passionate about developing positive leaders, organizations and teams.

Friend of the show and big-time NFL insider Josina Anderson caught up with former Raven Calais Campbell for a wide-ranging interview this week. We'll get into what she had to say about Lamar Jackson's reported ultimatum he gave the Ravens, how Calais suggested a change in negotiation approach when it comes to LJ's tactics and much more coming up. On this edition of the Vault, Sarah & Bobby dive into that and more: Josina's update regarding Baltimore's hesitancy re: DeAndre Hopkins Bill Barnwell presents Ravens-Texans trade proposal ahead of Draft M&T Bank, Ravens extend partnership for foreseeable future And more... Interested in supporting the show? Check out what we're now offering on Patreon: https://bit.ly/3RorjU2 Hit us up: BaltimoreRavensVault@gmail.com Learn more about your ad choices. Visit podcastchoices.com/adchoices

Grant Haseley is the Executive Director and Founder of Wagyu Games, creators of Undead Blocks, the world's first AAA play-to-earn FPS zombie shooter. Grant brings over an unparalleled passion and vision for gamer empowerment and digital asset ownership that relate to his days working in Banking. Grant was most recently a Vice President for M&T Bank, specializing in Data Analytics, and previously worked at Goldman Sachs as an Analyst in their Securities Lending division. Grant graduated with a BS in Mathematics from the University of Buffalo.In this conversation, we discuss:- Is Play-To-Earn here to stay?- The future of Web3 gaming- How to craft a Web3 community- The future of esports in Web3- How to attract and retain Web3 gamers- The future of asset ownership amongst a myriad of topics- Transition from the world of investment banking to crypto- The partnership with Immutable - and the role the platform played in helping to launch a web3 game like Undead Blocks- The tokenomics of Undead Blocks and how Grant is striving to make the tokens sustainable as well as giving the tokens a purpose- Working at Goldman SachsWagyu GamesWebsite: www.wagyu.ioTwitter: @wagyugamesUndead BlocksWebsite: www.undeadblocks.comTwitter: @UndeadBlocksGrant HaseleyTwitter: @Grant_WagyuLinkedIn: Grant Haseley  ---------------------------------------------------------------------------------  This episode is brought to you by PrimeXBT.  PrimeXBT offers a robust trading system for both beginners and professional traders that demand highly reliable market data and performance. Traders of all experience levels can easily design and customize layouts and widgets to best fit their trading style. PrimeXBT is always offering innovative products and professional trading conditions to all customers.  PrimeXBT is running an exclusive promotion for listeners of the podcast. After making your first deposit, 50% of that first deposit will be credited to your account as a bonus that can be used as additional collateral to open positions.  Code: CRYPTONEWS50  This promotion is available for a month after activation. Click the link below:  PrimeXBT x CRYPTONEWS50 

Richie Interviews Brightway Insurance Agency Owner, also known as "The Oats Agency", where he shares how he built his agency, team, and his success. BIO: Ronnie Oats comes from the Financial Industry and has worked as a Financial Advisor for Edward Jones, Merrill Lynch and Fisher Investments. He has helped many individuals and families plan and achieve their financial goals. He obtained his Bachelor of Science degree in Business Administration from Florida A&M University in Tallahassee. Ronnie Oats is married with two young children. He is an avid outdoorsman who enjoys fishing and hunting. Ron Oats most recently served as the Boy Scouts of America Regional Director covering 13 states in the Southern Region prior to retiring in 2020. In 2006, he was selected Executive Director-CEO of the Boy Scouts Council in greater Orlando, which served more than 50,000 youth. He held executive leadership positions with the BSA in Atlanta, Georgia, West Palm Beach and Miami. Ron Oats is active in the community, serving on The University of Central Florida's Advisory Board, is a former Advisory Board member of BB&T Bank and Co-Chair of the Winter Park Alumni Chapter, Kappa Alpha Psi Endowment Campaign. He is a graduate of Fayetteville State University in Fayetteville, North Carolina, where he obtained his degree in Business Administration. Ron Oats is married with two adult children. He enjoys fishing, hunting, investing and golf. GET STARTED: Sales Pros - Increase Your Monthly Net Take Home Commissions To $20,000 In The Next 90 Days or You Don't Pay... Click here to apply: https://richiecontartesi.com/20k Learn more about having Richie speak at your next event: https://www.richiecontartesi.com Listen to Richie coach more sales professionals live:    • Next Play™ System...   Follow for more How To's, Stories, & Motivation: IG: https://www.instagram.com/relentlessr... Facebook: https://www.facebook.com/richiecontar... Linkedin: https://www.linkedin.com/in/richiecon...

In this episode of Mission CTRL, Ramon, Jorge and Kevin host David Femi, Senior Vice President, M&T Bank. David shares his remarkable journey of growing up in Nigeria and moving to the United States to pursue Business and Financial Services in college. His core values of serving the community have followed him throughout his endeavors at colleges and banks all across the East coast. David reveals his path to working with M&T and why he holds its connection with the city of Bridgeport very close to his heart. Be sure to tune in for more of David's incredible story, along with discussions on NFTs, Damar Hamlin, and the latest in football. . . Find Mission CTRL on Anchor, Apple Podcast, Spotify, and our website. Mission CTRL is Peralta Design's podcast on all things business, tech, and marketing. Join our host Ramon Peralta and the PD Flight Crew, Jorge Pezo-Candelario and Kevin Atterberry, as they share ideas with past clients and industry partners. Since 2009, Peralta Design has launched hundreds of brands using award-winning strategies for clients of all sizes; from start-up entrepreneurs all the way up to Fortune 500s. Subscribe for weekly branding and entrepreneurial content here! To learn more about Peralta Design's work visit peraltadesign.com. #welaunchbrands #digitalagency #mbeagency #mbe #digital #branding #marketing #web #startups #creative #BrandU #w2 #fulltime #leadership #contentcreator #contentstrategy #marketingstrategy #entrepreneurs #business #launchyourbrand

738: Michael Wisler, Chief Information Officer of M&T Bank, discusses the cultural shift that was necessary at the company to drive forward its digital transformation. He covers the way technology is structured at the bank, how he has built his team, and where he focused his modernization efforts. As a part of this modernization, Mike talks about the talent part of the transition and moving towards an engineering culture with a build mindset. He also talks about his involvement with startup accelerator 43North, the experience he gained at Capital One, and the learnings he brought to M&T. Finally, he reflects on his career and the future ahead for technology.

738: Michael Wisler, Chief Information Officer of M&T Bank, discusses the cultural shift that was necessary at the company to drive forward its digital transformation. He covers the way technology is structured at the bank, how he has built his team, and where he focused his modernization efforts. As a part of this modernization, Mike talks about the talent part of the transition and moving towards an engineering culture with a build mindset. He also talks about his involvement with startup accelerator 43North, the experience he gained at Capital One, and the learnings he brought to M&T. Finally, he reflects on his career and the future ahead for technology.

Dejan Kovacevic and Chris Halicke are at The M&T Bank stadium where they talk about this amazing 16-13 game against the Ravens, and how amazing Najee Harris is and that the o-line might of had their best game.  Learn more about your ad choices. Visit megaphone.fm/adchoices

If you get the human experience right, you'll get the numbers that you need. Customers and employees should never be disconnected in any way, shape, or form, no matter what industry you're in. It is crucial for leaders of organizations to think about how they can create delightful experiences for human beings that engage with their brands. The question is, what is the secret sauce for designing for humans? What does it mean to have an outside-in approach? How do we pull the three concepts of employee experience, customer experience, and brand experience together? Join Shawn Nason and Aarthi Murali as they discuss all this and more. In This Episode (02:11) - What does Aarthi's average week look like? (05:02) - Aarthi's approach to human experience (07:53) - Should the Chief Customer Experience Officer report to the CEO at an organization? (10:17) - The outside-in approach versus the inside-out approach (13:22) - Why Aarthi joined M&T Bank (17:34) - Aarthi's journey and how it influenced her role today as a Chief Customer Experience Officer (22:10) - The advice Aarthi would give to people who want to be in a similar role in the industry (23:35) - What is Aarthi's next big idea? (25:45) - The Combustion Questions What we learned for Aarthi In any industry, you can't decouple customers and employees. The outside-in approach – putting ourselves in an empathetic lens. The further away you go from customer-facing roles, your customers tend to be different. What's most important is to think about beliefs and behaviors. The Chief Experience Officer role should be responsible for pulling together the three concepts of experience: employee, customer, and brand. Notable Quotes [06:25] - “I've been very much on this mission to connect the dots and make sure that when we think about experiences, it's human experiences and designed for humans.” [09:14] - “It's incredibly important that the (Experience Officer) role is empowered, has complete decision rights and has full empowerment to drive the change.” [12:31] - “Experiences are a set of choices that you allow the customers to make that delight them.” [15:29] - “It is very important for every single employee in that journey from front to back to connect to understand their piece of that journey.” [22:11] - “One of the things I would say is incredibly important in any role, especially for this role, would be to have an incredibly open mind and a growth mindset.” Our Guest Aarthi Murali is M&T Banks' first Chief Customer Experience Officer. She focuses on enabling teams across the enterprise to design delightful end-to-end experiences for customers, while building out capabilities to support them. She is a customer fanatic at heart and in practice, and believes that taking an outside-in approach is key to making a difference in people's lives. Resources & Links Aarthi Murali LinkedIn: https://www.linkedin.com/in/aarthi-murali-0a6b90/ Shawn Nason LinkedIn: https://www.linkedin.com/in/nasonshawn/ Instagram: https://www.instagram.com/manonfiresocial/ Twitter: https://twitter.com/manonfiresocial Website: https://shawnnason.com/ MOFI: https://www.mofi.co/ The Combustion Chronicles Podcast Website: https://shawnnason.com/combustion-chronicles-episodes/ Learn more about your ad choices. Visit megaphone.fm/adchoices