738: Michael 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.