Top Quartile

Ashish Agarwal, CMO at Kin Insurance (previously with Prosper), joins Dan Marks to discuss leaning in with strong analytics, customer, and commercial orientation and building a talented team to drive results. Some of the points we highlight in this episode are: 

Ashish’s background and progression through roles at Capital One, Remitly, Prosper, and now, Kin 

Observations on growth drivers and current consumer behavior from the FinTech perspective 

How the interest rate environment affects the marketplace 

How to use data and insights to inform marketing strategy 

Lessons learned from recent changes in consumer behavior and preferences 

How Brand and Performance disciplines in marketing work together to drive results 

Advice Ashish would give his younger self 

Stephanie Dennehy, Chief Marketing Officer at Cape Cod Five, joins Dan Marks on this episode to talk about some of the best practices for community banking. Stephanie has been in banking and financial services for 11 years and talks about the growth she has seen in her time in the banking industry. Some of the points we highlight in this episode are: 

Stephanie’s background and experience as a digital leader 

How Cape Cod Five expanded its leadership in business lending 

How culture and brand mutually reinforce each other 

How Stephanie’s marketing leadership has supported growth at Cape Cod Five 

How the mission of expanding financial wellness informs the go to market approach 

How the bank’s mission and values informed the key strategic decision to completely eliminate Overdraft fees 

How Cape Cod Five is implementing P2P payment systems to better serve their customers 

Stephanie’s advice to her younger self 

Top Quartile brings you part 2 of our special year end episode as we talk with a few of this year’s guests on the show about what kind of things they are keeping their watching as we go into 2023 and what key trends they are seeing, strategizing for, and are excited about in the coming year in the banking industry. Guests appearing in this episode and links to their original Top Quartile episode include: 

Janelle Herrera, the head of Marketing and Business Development at OnTap Credit Union https://infusionmarketinggroup.com/podcast/tapping-growth-through-a-focused-strategy-w-janelle-herrera/ 

Kim Vogel, Board Director TriCo and TriplePoint https://infusionmarketinggroup.com/podcast/the-board-of-directors-perspective-on-growth-in-community-banking-and-fintech-w-kim-vogel/kim-vogel/ 

Tim Keith, Chief Executive Officer at Infusion https://infusionmarketinggroup.com/podcast/growing-deposits-at-attractive-cost-by-applying-advanced-data-analytics-with-tim-keith/ 

Douglas Scarboro, SVP of Federal Reserve Bank of St. Louis, Regional Executive Memphis Branch https://infusionmarketinggroup.com/podcast/helping-communities-thrive-and-fostering-payments-innovation-w-douglas-scarboro/ 

Jeff Keltner, Fintech Executive https://infusionmarketinggroup.com/podcast/credit-digital-lending-and-how-to-use-data-in-new-ways-w-jeff-keltner/ 

Gentry Moyes, Head of Paid Media at Mountain America Credit Union https://infusionmarketinggroup.com/podcast/how-to-win-awards-and-crush-roi-goals-w-gentry-moyes/ 

Rick Claypoole, Managing Partner at Infusion - The Value of Customer Data For M&A https://infusionmarketinggroup.com/podcast/the-value-of-customer-data-for-ma-with-rick-claypoole/ 

Sean Kouplen, Chairman and CEO at Regent Bank https://infusionmarketinggroup.com/podcast/leadership-strategies-and-bank-growth-w-sean-kouplen/ 

Top Quartile brings you a special year end episode bringing back guests from the past year to talk about some of the key lessons they learned in 2022 as well as some of the books they have read that have helped shape strategies in the banking industry. Guests appearing in this episode and links to their original Top Quartile episode include: 

 

Kim Vogel, Board Director TriCo and TriplePoint https://infusionmarketinggroup.com/podcast/the-board-of-directors-perspective-on-growth-in-community-banking-and-fintech-w-kim-vogel/kim-vogel/ 

Rick Claypoole, Managing Partner at Infusion - The Value of Customer Data For M&A https://infusionmarketinggroup.com/podcast/the-value-of-customer-data-for-ma-with-rick-claypoole/ 

Douglas Scarboro, SVP of Federal Reserve Bank of St. Louis, Regional Executive Memphis Branch https://infusionmarketinggroup.com/podcast/helping-communities-thrive-and-fostering-payments-innovation-w-douglas-scarboro/ 

Janelle Herrera, the head of Marketing and Business Development at OnTap Credit Union https://infusionmarketinggroup.com/podcast/tapping-growth-through-a-focused-strategy-w-janelle-herrera/ 

Jeff Keltner, Fintech Executive https://infusionmarketinggroup.com/podcast/credit-digital-lending-and-how-to-use-data-in-new-ways-w-jeff-keltner/ 

Gentry Moyes, Head of Paid Media at Mountain America Credit Union https://infusionmarketinggroup.com/podcast/how-to-win-awards-and-crush-roi-goals-w-gentry-moyes/ 

Tim Keith, Chief Executive Officer at Infusion https://infusionmarketinggroup.com/podcast/growing-deposits-at-attractive-cost-by-applying-advanced-data-analytics-with-tim-keith/ 

Sean Kouplen, Chairman and CEO at Regent Bank https://infusionmarketinggroup.com/podcast/leadership-strategies-and-bank-growth-w-sean-kouplen/ 

Neil Stanley, the CEO of CorePoint and a former Bank CEO joins host Dan Marks to talk trends and best practices on liquidity management.  Neil has an extensive experience from his time working for a bank and running a bank as CEO as well as his current role at Corepoint.  Neil has a passion for diving deep in understanding all of the levers that influence deposit growth at a bank and an interesting perspective that may be a source of new ideas and inspiration for enhancing your strategy.  

 

Trends across the industry related to liquidity management 

The catalyst for shifts in balance sheet priorities and how to get prepared for what is coming 

The balance sheet view compared to the customer view 

The value of personalization in setting deposit pricing and processes 

Updating processes and approaches for the mix of digital and personal channels 

Key take-aways and best practices 

Neils’ reflections on lessons learned from being a young bank CEO 

Amber Callahan who leads marketing for 1st Advantage Credit Union joins Dan Marks how a data driven foundation for marketing leads to brand growth as well as product growth. Some of the points we highlight in this episode are: 

 

What growth has been like recently at 1st Advantage 

1st Advantage’s marketing strategy 

How the 70-year legacy of community involvement builds the brand 

Using data and analytics as a strong foundation for the entire marketing plan 

Best Practices and lessons learned 

Advice Amber would give to her younger self 

Rilla Delorier, who sits on multiple bank and fintech boards, joins Dan Marks on this episode to discuss how banks can ensure innovation gets the proper attention at the board and management level. 

 

Innovation from the perspective of a bank executive vs a bank board member 

How Rilla filters and prioritizes key information

Understanding the customer perspective to inform strategy 

The importance of having people from different perspectives to spark inspiration 

Key innovation areas of opportunity for community banks

Avoiding the ‘twin traps’ of being too aggressive and too massive on a transformation program as opposed to not doing enough 

3 key lessons learned by Rilla that would be helpful for bank management 

Advice Rilla would give to her younger self  

Tim Keith and Dan Marks discuss how smart banks and credit unions are able to apply practical analysis to create a data driven strategy that results in reaching funding goals and relationship growth goals at a lower total cost than other alternatives. 

 

Macro trends from across peer banks and credit unions 

Similarities and differences from prior rate cycles going back to the 1970s 

Differences between relationship and prospect driven approaches 

How personalized digital media changes the game 

Key lessons learned and practical examples 

Janelle Herrera, the head of Marketing and Business Development at OnTap Credit Union talks with Dan Marks about OnTap’s unique mission tied to their roots and it focuses the growth strategy. Dive into the history at the bottom of the bottle on this fascinating Podcast episode of Top Quartile.

 

How OnTap Credit Union was founded

What exactly is ‘beer culture,’ and how it relates to the credit union’s roots

Where Janelle prioritizes the growth strategy

Leveraging data analytics to inform strategy

Engaging the community in unique ways

Best practices at OnTap Credit Union

Words of advice that Janelle would give to her younger self 

Gentry Moyes, Head of Paid Media at Mountain America Credit Union, goes behind the scenes with Dan Marks to unpack the who, what, and why of the MACCEE award winning campaign that Mountain America recently wrapped up that used influencers to authentically promote the, 'My Style,' checking product.

 

Gentry's background and current role at Mountain America Credit Union

What growth has been like recently at Mountain America Credit Union

Winning the MACCEE award at the premier Marketing Association of Credit Unions MAC event

How the campaign came together

The spark of inspiration based on mountains of analysis

Going behind impressions to track the impact of the campaign on actual sales results

What is next for his award-winning campaign

Key lessons learned on managing the full campaign lifecycle from idea to tracking

Influencers:

 

The Food Nanny

Cupbop

Devinsupertramp

Studio C