Our guest on this episode of Data Driven Finance is Steve Szpytek, SVP and Head of Consumer Product Development at Axos Bank. Axos Bank is a diversified technology-driven financial services company with a well-balanced portfolio of verticals within the bank. Topics discussed include:

Some Helpful Links

Steve Szpytek on LinkedIn

Axos Bank

Envestnet Yodlee

Our guest on this episode of Data Driven Finance is Kat Cloud, Principal Director of Open Banking Compliance at Yodlee. Kat is also a Board member at the Financial Data Exchange, and prior to her time at Yodlee was head of UK Public Policy for Plaid. We discuss open banking compliance, specifically touching on the new CFPB 1033 rule, which is important for all financial institutions to be aware of. Topics covered include:

Helpful Links

CFPB website

Open Banking with Yodlee

FDX (Financial Data Exchange)

Our guest this episode is Larry Rosenberger, Research Fellow at FICO and formerly CEO and VP of R&D at FICO. The views Larry expresses in this episode are his and not necessarily those of FICO. He’s also an advisor and serves on multiple Boards of Directors for early-stage startups. Larry came out of MIT and the UC Berkeley College of Engineering. We talk about predictive and behavior analytics for decision-making, covering such topics as:

• How the FICO Score got started.

Some helpful links:

Our guest this episode is Avery Miller, VP and Head of Digital Consumer Product and the Avion Rewards Platform at RBC. Avery got his MBA at the University of Richmond and spent time before going to RBC at Capital One and PayPal. We talk about how connected finance impacts shopping and card use and loyalty programs. Topics include:

• How are financial services organizations doing at keeping up with modern shopper expectations, wants, and needs?

Helpful Links:

Our guest today is Chris Gifford, Chief Data & Analytics Officer at USAA Bank. We talk about data strategies, building with a mobile-first mentality and why people remain at the heart of innovation, covering such topics as:

• Working for a mission-driven organization and how this shapes USAA’s approach to data and analytics.

Helpful Links:

Our guest this episode is Justin Zeidman, VP of Digital Strategy at Navy Federal Credit Union. We talk about how credit unions are approaching and adopting digital transformation and leveraging digital financial data. Topics covered include: 

• How the credit union membership model differs from other banking institutions.

Helpful Links

Bruce Schilder, North American Open Banking and Fintech Lead at Accenture. Bruce comes out of Syracuse’s Whitman School of Management, and before Accenture spent time at JPMorgan Chase and Sterling National Bank. We talk about open banking and digital transformation in banking from a consulting perspective. Topics covered include:

• How far we’ve already come in open banking.

Helpful Links

In this episode, we talk with Dustin De Vincentis, Global Head of Financial Services at Alumni Services. Dustin comes out of Columbia business school and has spent time at JP Morgan and Morgan Stanley before joining Alumni Services. Dustin comments about the often rocky world of digital transformation in financial services, with topics such as:

• What was learned at large financial institutions that you carried into the FS startup world?

Helpful Links:

Alumniserv.com

Dustin De Vincentis LinkedIn

Resources.yodlee.com/podcasts

Our guest this episode is Steve Boms, Founder and President at Allon Advocacy and also Executive Director of the Financial Data & Technology Association. Steve comes out of Penn State and has worked at Capital One, the International Securities Exchange, and the US House of Representatives assisting a senior member of the Financial Services Committee. We talk about regulations and government relations in financial services. Topics include:

• Who needs a lobbyist?

Helpful Links:

Our guest this episode is Jose Tagunicar, Product Strategy, Analytics, and Risk Management at Stratyfy. Jose was previously with FICO and Equifax. We talk about the latest takeaways from the FICO World 2024 gathering in San Diego, as well as how AI is being planned for and applied, particularly in the credit and lending space of finserv. Topics covered include:

• Why do smaller lenders tend to struggle against the big banks?

Helpful Links:

FICO

Jose Tagunicar LinkedIn

Envestnet Yodlee