Banking on Data Podcast
The Banking on Data podcast is for community bank and credit union leaders who understand that the future of financial services is powered by data. Hosted by Ed Vincent, CEO of Lumio Solutions, this podcast offers executive-level insights into how financial institutions can leverage business intelligence, data strategy, and advanced analytics to drive performance, manage risk, and unlock growth opportunities. Each episode features conversations with industry leaders, data experts, and financial executives who share practical strategies for building data-centric cultures, navigating regulatory pressures, and turning information into action. From modernizing legacy systems to aligning data with boardroom decisions, Banking on D...
S4 | E1: The Future of Community Banking: What Banks Must Do to Compete, with KBW's Joe Berry
In this episode of Banking on Data, Lumio CEO Ed Vincent sits down with Joe Berry, Co-Head of Investment Banking at KBW, to discuss the forces reshaping community banking. From changing customer expectations and fintech competition to AI, operational efficiency, and the role of trusted data, they explore what it will take for community banks to compete in the decade ahead.
Whether you're a CEO, CFO, Chief Risk Officer, or operations leader, this conversation offers practical insights into how banks can modernize, remove friction, and continue delivering the relationship-driven banking their communities' value.
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S3 | E28: Data-Driven Growth: Empowering Frontline Teams with Actionable Insights
Community banks have always excelled at building relationships. But in a market driven by data, relationships alone aren’t enough. The next wave of growth in banking depends on turning customer insights into action. This means empowering marketing, sales, and frontline teams to collaborate smarter and deliver more personalized experiences.
In this episode of the Banking on Data Podcast, Edward Vincent, CEO of Lumio, sits down with Josh Barclay, Director of Growth Marketing at BusinessNext and host of the Banking on Experience podcast, to discuss ho...
S3 | E27: AI Starts with Data: Why Governance Is Your First Step
Artificial intelligence is the hottest topic in banking right now. Every conference, article, and C-suite conversation seems to circle back to AI’s potential for community financial institutions. But before any bank can truly harness that potential, there’s one crucial step that often gets overlooked: data governance.
In this episode of The Banking Data Podcast, Lumio’s Chief Product Officer, Jeff Fink, joins Ed Vincentto unpack why creating a solid data foundation is the real starting point for any AI strategy. From building a common data language and da...
S3 | E26: Building a Cyber Risk Playbook for the Post-CAT World
Cybersecurity is evolving faster than many community banks and credit unions can keep pace with. With the retirement of the FFIEC Cybersecurity Assessment Tool (CAT) on August 31, 2025, financial institutions are left wondering how best to measure, track, and manage cyber risk without a regulator-endorsed standard. In this episode of the Banking on Data podcast, host Ed Vincent sits down with Cathy Jackson to unpack what comes next for institutions in this post-CAT world.Â
Together, they explore how banks can leverage the Cyber Risk Institute’s Profile 2.1, why the seven functional areas of...
S3 | E25: Responsible Innovation: How Fintechs & Banks Can Align for the Future
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 Summ...
S3 | E24: AI Oversight: Why Program Risk Assessment Is Essential
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 ap...
S3 | E23: How Community Financial Institutions Can Build a Responsible AI Approach
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...
S3 | E22: Mind The Gap (PT3): How a Playbook Minimizes Execution Risk
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.Â
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S3 | E21: Mind the Gap (PT2): Mitigating Execution Risk
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?Â
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. Lis...
S3 | E20: Mind The Gap (PT1) What Does Execution Risk Really Mean For Banks?
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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S3 | E19: Cyber Risk in Focus: The Regulatory Shift and What It Means for You
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.Â
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S3 | E18: Cyber Risk in Focus Evolving Threats and the Sunset of the CAT Tool
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...
S3 | E17: Putting Data Strategy Into Action: From Whiteboard to Real-World Impact
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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S3 | E16: The Data Strategy Divide: Why Reports Aren’t Enough
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 StartPart 2: Defining a Da...S3 | E15: Defining A Data Strategy: What a Data Strategy is - and Isn’t
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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S3 | E14: How to Start a Data Strategy From Nothing: Make the Mind Shift From Stuck To Start
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.Â
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S3 | E13: 2025 Top Emerging Risks: Preparing for the Unpredictable
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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S3 | E12: How to Improve Collaboration Among Banks, FinTechs, and Regulators
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...
S3 | E11: Q1 Pulse Check: Kirsten Muetzel Shares 2025 Financial Services Vital Signs
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.Â
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S3 | E10: Why Should a Financial Institution CEO Prioritize ERM?
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 strat...
S3 | E9: How CROs Can Leverage A.I. to Modernize Their Risk Program
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S3 | E8: How Vantage Bank Modernized Their ERM Program Through Data & Technology
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 n...
S3 | E7: Best Practices for a Successful RCSA Implementation
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.Â
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S3 | E6: SRA Watchtower + Lumio Insight: The Future of Risk & Business Intelligence
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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S3 | E5: How To Drive A Calculation Methodology Within Your RCSA
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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S3 | E4: Annual KRI Health Check: The Importance of Evolving Your Key Risk Indicators
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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S3 | E3: Part 3 | Using Data as a Strategic Asset With Jeff Fink, Lumio Insights
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.Â
S3 | E2: Driving Banking Innovation In 2025 - Insights From Joseph Berry (KBW)
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.Â
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S3 | E1: Navigating the 2025 Banking M&A Landscape
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.Â
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S2 | E52: 2024 Risk Intel Rewind: The Top 10 Episodes You Can’t Miss
SRA Watchtower's Risk Intel Podcast has become a leading resource for financial institutions and risk professionals seeking actionable insights into enterprise risk management (ERM). Hosted by Ed Vincent, CEO of SRA Watchtower, the podcast covers critical topics such as integrated risk management, data governance, and the role of technology in transforming risk practices. Whether you're a seasoned CRO or just stepping into the risk management field, these episodes provide valuable expertise from industry leaders. To wrap up season 2, we issued a poll to our audience and internal team members to find out what everyone's top 10 episodes were from 2024. Ed...
S2 | E51: Using Data as a Strategic Asset (Part 2) Governance Frameworks
Season 2 | Ep. 51: Using Data as a Strategic Asset (Part 2) Governance Frameworks
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S2 | E50: Using Data as a Strategic Asset (Part One) Data Architecture
In season two's 50th episode of The Risk Intel Podcast, host Ed Vincent, sat down with Jeff Fink, CEO and Co-founder of Lumio Insight, to share his view on the evolving role of data in financial institutions. Drawing on his extensive experience in data management, Jeff outlined how organizations can transform data into a strategic asset, unlocking its full potential to improve customer experiences, enhance operational efficiency, and manage risk effectively. Listen to the full episode to learn more!
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S2 | E49: Integrated Risk Management: Leveraging Tools & Frameworks To Tell The Right Story
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S2 | E48: 2024 Election Insights: The Path Forward for Banks and Fintechs Under Trump’s Presidency
In this Risk Intel Podcast, Ed Vincent sat down with Ian Moloney, SVP of Policy and Regulatory Affairs, and Hayden Cole, Director of Federal Government Affairs from the American FinTech Council (AFC), to analyze what the 2024 election results mean for financial services regulation, enforcement, and bank-FinTech partnerships. They explored expected regulatory shifts, changes in congressional leadership, and proactive strategies for financial institutions navigating these transitions. Every risk manager and financial institution leader should listen.Â
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S2 | E47: Establishing a Resilient ERM Framework - Insights From Two Seasoned CROs
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S2 | E46: Strengthening Bank-FinTech Partnerships - Phil Goldfeder, CEO, AFC
In the latest episode of the Risk Intel Podcast, Phil Goldfeder, CEO of the American Fintech Council (AFC) joined host Ed Vincent to delve into the evolving relationship between banks and fintech firms. Ed and Phil connect on the latest comment letter the AFC submitted in response to the joint Request for Information on Bank-Fintech Arrangements Involving Banking Products and Services Distributed to Consumers and Businesses (RFI) by the Board of Governors of the Federal Reserve (FRB or Federal Reserve), Federal Deposit Insurance Corporation (FDIC), and the Office of the Comptroller of the Currency (OCC...
S2 | E45: Scary Stories of Risk Management
Happy Halloween! This special episode of the Risk Intel podcast features scary stories of risk management. Coming from real-life experiences from our team member’s days in banking. Host, Ed Vincent, is joined by Shawn Ryan, Beth Nilles, Niki White, Megan Turcios, Trent Terry, and Cathy Jackson for a series of short spooky stories. Curl up with a nice cider and get ready to hear the dark side of risk management, along with some tips to ensure you don’t end up a scary story yourself!
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S2 | E44: Building a Strong Foundation for Risk Reporting
Effective risk management reporting is essential for decision-making, regulatory compliance, and overall institutional success. Whether you're considering licensing a third-party risk Intelligence solution or building your own reporting framework, understanding key principles and data perspectives will guide you toward a robust, scalable system. Sam Utz, SRA Watchtower Product Analyst joined host Ed Vincent on this episode of the Risk Intel podcast to explore foundational aspects of reporting such as data governance, creating an infrastructure, configurability vs customization, and breaking down the differences between shallow and deep views of data that financial institutions should prioritize. Tune in to listen to...
S2 | E43: How to Storm Proof Your ERM Program
In this episode of Risk Intel, host Ed Vincent, CEO of SRA Watchtower, is joined by Shawn Ryan, CFO of SRA Watchtower, and Niki White, CGO of SRA Watchtower to discuss the importance of natural disaster preparedness within financial institutions. As climate risks grow and on the heels of two back-to-back hurricanes, financial entities must be proactive to help strengthen their risk management frameworks to protect key assets and ensure operational resilience.Â
Many people have been significantly impacted by the recent hurricanes Helene and Milton. Please find the below link to donate to the American Red Cross t...
S2 | E42: US Agriculture: 2024 Industry Risk Analysis (Part Two)
In this episode of the Risk Intel podcast, the host of the show and SRA Watchtower’s CEO, Edward Vincent, welcomed Amitabh Bhargava, Senior Managing Director of Credit Portfolio Management for SRA Consulting back to the show to continue the conversation from last week on the recent U.S. Department of Agriculture’s (USDA) 2024 Farm Sector survey released in September 2024. The two discussed the implications for risk management in the agricultural sector, diving deeper into credit risk, how climate change can impact farm and aglending, and also discussed non-credit risks.
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