What happens when innovation outpaces regulation - and when community banks must adapt to a world moving faster than ever before?

In this episode of Banking on Data, Host Ed Vincent sits down with Phil Goldfeder, CEO of the American Fintech Council (AFC), to explore how fintechs and financial institutions can innovate responsibly - with clarity, collaboration, and purpose. Their conversation ranges from the cultural shifts happening in banking to the regulator’s evolving view of innovation, and how AFC’s new Webinar Wednesdays and Policy Summit are helping shape the dialogue between banks, fintechs, and policymakers.

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Artificial intelligence (AI) is moving faster than any other technology banks have seen before. From fraud detection to lending platforms, AI is being embedded in nearly every vendor solution. For community banks and credit unions, this acceleration brings both opportunity and risk. This present risk and compliance teams with new demands from the board and regulators for stronger oversight.

In this episode of the Banking on Data podcast, host Ed Vincent continues the conversation with compliance expert, Beth Nilles, who helps ‍unpack how financial institutions can take a program risk assessment approach to AI. This builds on a previous episode, How Community Financial Institutions Can Build a Responsible AI Approach, where Beth outlined guardrails and governance for adopting AI responsibly. In Part 2, she explains why program risk assessments are critical, what they look like in practice, and how often institutions should conduct them.

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Artificial intelligence (AI) is no longer just a buzzword in financial services. From lending to fraud detection to customer service, AI is steadily finding its way into community banks and credit unions. But for leaders, boards, and compliance teams, one pressing question remains: how do we adopt AI responsibly?

In this episode of the Banking on Data podcast, host Ed Vincent sits down with Beth Nilles, Director of Implementation, who brings more than 30 years of banking leadership across lending, operations, and compliance. Beth offers practical guidance for financial institution leaders who may be exploring AI for the first time - or wrestling with how to scale responsibly without falling behind on regulatory expectations.

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In this episode of The Banking on Data Podcast, Ed Vincent welcomes back Craig Hartman, founder and CEO of Plansmith, along with Christine Lake, Plansmith’s Chief Strategy Officer. This was part 3 of a larger series around "Execution Risk" with the Plansmith team and a natural progression from prior episodes, where we addressed the definition and mitigation strategies of execution risk. This episode zooms in on the concrete framework Plansmith uses to help financial institutions translate strategy into action by creating "The Playbook".  Listen to the full episode to learn more. 

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In Part 2 of our Banking on Data podcast series with our partners at Plansmith, Edward Vincent welcomed back Craig Hartman, Chairman and CEO of Plansmith, to explore a question that resonates with every financial leader: Once you’ve identified execution risk, how do you actually reduce it? 

Craig’s decades of experience helping banks and credit unions navigate planning and budgeting challenges make him uniquely equipped to answer this question. In this episode, he shares actionable insights on how organizations can move beyond simply naming their risks to building a culture that consistently mitigates them. Listen to the full episode here to learn more. 

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In this Banking on Data podcast, host Edward Vincent invited Craig Hartman, the Chairman and CEO of Plansmith, on to the show for a compelling three-part series on a topic central to every financial institution’s success: Execution Risk. This first episode lays the groundwork, exploring what execution risk is, why it matters to all banks, and how it emerges as an umbrella for all types of risk that touch nearly every aspect of strategic and operational activity. Listen to hear the full episode.

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The Banking on Data podcast welcomed back Josh Magri, CEO of the Cyber Risk Institute (CRI), for a timely Part 2 conversation focused on the evolving cybersecurity regulatory landscape and what it means for community financial institutions. As the FFIEC Cybersecurity Assessment Tool (CAT) is scheduled to sunset on August 31, 2025, Josh offers a roadmap on how financial institutions can move forward and how their CRI Profile offers a strategic, scalable alternative that’s gaining traction with regulators and institutions alike. 

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The cybersecurity landscape is changing fast. And for financial institutions, one of the biggest shifts on the horizon is the sunsetting of the FFIEC Cybersecurity Assessment Tool (CAT) in August 2025. In this episode of the Banking on Data podcast, Josh Magri, President and CEO of the Cyber Risk Institute (CRI), joined host Edward Vincent to unpack what this means for banks, credit unions, and other financial players.

From emerging threats powered by AI to the evolving regulatory frameworks shaping cybersecurity governance, Josh's insights are a must-hear. Listen to the full episode here!

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Organizations across the financial sector are investing more time and energy into data strategy, but many still struggle to move from planning to execution. In this episode of the Banking on Data Podcast, Jeff Fink returns for Part 4 of our Data Strategy series, sharing tactical guidance on how to operationalize a data strategy and deliver real business value. Whether you're a chief data officer at a regional bank or an operations leader at a credit union or community bank, this episode offers a practical roadmap for putting your strategy into motion.

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Ed Vincent, host of the Banking on Data Podcast, welcomed Jeff Fink back to the show for part three of their Data Strategy Series. This week's insightful conversation dives deep into the distinction between data strategy VS reporting, which is a critical yet often misunderstood area for community financial institutions aiming to become truly data-driven. Listen to the full episode, or if you missed Part 1 and Part 2, click the links below to catch up.

• Part 1: How to Start a Data Strategy From Nothing: Make the Mind Shift From Stuck to Start
• Part 2: Defining a Data Strategy: What a Data Strategy Is - And Isn't

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In this episode of the Banking on Data Podcast, Ed Vincent welcomes back Lumio’s Chief Product Officer, Jeff Fink, to kick off a multipart series on creating a data strategy. A hot topic for many community banks and credit unions wanting to modernize their internal processes on how they handle data, collect it and how do they leverage data to achieve their collective goals. Listen to the full episode here.

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For many community banks, embarking on a data strategy can feel like an overwhelming endeavor. Limited resources, small teams, and the misconception that “big data” is only for large institutions often lead to inertia. But as discussed in the latest Banking on Data episode with Jeff Fink, the real differentiator in today’s competitive banking landscape is not size—it’s mindset. 

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In this episode of the Risk Intel Podcast, host and Lumio CEO Edward Vincent invited CFO/CRO Shawn Ryan to the show to discuss the top emerging risks facing financial institutions today. Their discussion, enriched by insights from the NC State University ERM Initiative "13th Annual Executive Perspectives on Top Risks Survey," sheds light on critical areas that demand attention from risk leaders. Listen to the full episode below to learn about these emerging risks, incorporating key findings from the survey.

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The relationship among banks, FinTechs, and regulators has never been more critical - or more complex for that matter. With technology advancing at breakneck speed, the challenge lies in striking a healthy balance between fostering innovation, while not compromising the safety and soundness of the financial services industry. In this episode of the Banking on Data podcast, host Ed Vincent sat down with industry experts Kirsten Muetzel and Jeanette Quick to unpack the intricate dynamics among banks, FinTechs, and regulators, the role of emerging technologies, and how collaboration can drive better outcomes for all players in the industry. 

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As the year 2025 unfolds, the financial services industry is experiencing shifts that few could have fully anticipated at the beginning of the year. From regulatory changes to the rapid advancement of artificial intelligence (AI), and global economic instability, financial institutions face a dynamic environment filled with both opportunities and risks. Kirsten Muetzel, Founder of KLM Advisory LLC, joins host Ed Vincent to discuss a quick pulse check on how Q1 unfolded and her predictions for the remainder of the year. 

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Enterprise Risk Management (ERM) has long been viewed as a defensive function—something financial institutions do to satisfy regulators and avoid compliance issues. However, this perspective is outdated. In today’s volatile business environment, ERM is a strategic necessity that enables organizations to anticipate challenges, seize opportunities, and make more informed decisions. In this episode of The Banking on Data podcast, Shawn Ryan joins host, Edward Vincent to explore why ERM should be a CEO priority. They discuss the pitfalls of siloed risk management, the need for an enterprise-wide approach, and how organizations can elevate risk management to a strategic function. Most importantly, we examine why the Chief Risk Officer (CRO) should have a strong presence at the leadership table and work closely with their CEO to ensure risk isn’t an afterthought, but the key driver of decision-making.

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Data is not just a byproduct of operations—it is the foundation for strategic decision-making and risk management. Vantage Bank, a leading community bank out of San Antonio, Texas committed to innovation and operational excellence, has embraced this reality by modernizing its risk management program through data and technology.  In this episode of The Banking on Data Podcast, Ed Vincent, CEO of Lumio and host of the show, sat down with Joel Castaneda, EVP & CRO, and Shawn Main, EVP & Chief Business Architect at Vantage Bank, to discuss their transformation journey and a need for a modernized risk program. 

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Implementing a Risk and Control Self-Assessment (RCSA) tool is a crucial step for financial institutions seeking to enhance their risk management frameworks. Starting with a well-executed RCSA process enables organizations to identify, assess, and mitigate risks effectively while ensuring compliance with regulatory requirements. However, successful implementation requires careful planning, stakeholder engagement, and the right technology to streamline workflows and improve organizational visibility.  Beth Nilles, Director of Lumio Implementations and resident RCSA expert, joined host Edward Vincent on this episode of the Risk Intel podcast to discuss best practices for implementing an RCSA process or tool. 

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The latest episode of the Banking on Data Podcast featured Jeff Fink, Co-Founder of Lumio Insight, joining host Ed Vincent to discuss an exciting milestone — SRA Watchtower’s acquisition of Lumio Insight - now known as Lumio Solutions. This strategic move combines two companies with a shared vision: empowering community-based financial institutions with a holistic risk and business intelligence platform. Listen to the full interview to learn more about this exciting acquisition.

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In this episode of the Banking on Data Podcast, Beth Nilles joins host, Ed Vincent to discuss how to drive a calculation methodology within a bank's or credit union's Risk and Control Self-Assessments (RCSA) process. Listen to the full episode to learn tips and guidance on executing this within your institution.

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In this episode of the Banking on Data Podcast, Lumio’s own Cathy Jackson, VP of Client Services and a seasoned risk management expert joined host, Ed Vincent, to explore the evolving nature of Key Risk Indicators (KRIs) and how financial institutions can ensure their KRIs remain effective and actionable. Listen to the full episode to learn more.

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In this episode of the Banking on Data Podcast, Ed Vincent, host of the show and CEO of Lumio, welcomed Jeff Fink from Lumio Insight, back to the show to explore the critical topic of risk mitigation in financial institutions. This third part of their conversation delved into the strategies, technologies, and frameworks that help organizations navigate today’s complex risk landscape. From securing sensitive data to addressing emerging threats, Jeff shared actionable insights on how banks and credit unions can proactively mitigate risks while driving innovation and maintaining regulatory compliance. Listen to the full episode below. 

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In this episode of the Banking on Data podcast, Joseph Berry, Co-head of Investment Banking at KBW, joined host Ed Vincent to share his insights into the evolving landscape of banking and FinTech and what will drive innovation in 2025. Joe discussed critical topics ranging from data analytics and customer profitability to the role of mergers and acquisitions (M&A) in driving innovation. Listen to the full episode to learn more. 

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The Season 3 premiere of the Banking on Data Podcast brings a timely and thought-provoking discussion about the rapidly evolving M&A landscape in the banking sector and predictions for 2025. Host Ed Vincent welcomed Joseph Fenech, founder and Chief Information Officer of GenOpp Capital Management, to unpack the trends and strategies shaping this pivotal moment in banking consolidation. The episode highlighted the forces driving a surge in M&A activity, the differing dynamics for community and regional banks, and key strategies for a successful transaction. 

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