Banking on Data Podcast

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 [https://www.lumiosolutions.io/podcast], Lumio’s Chief Product Officer, Jeff Fink [https://www.lumiosolutions.io/people/jeff-fink], joins Ed Vincent [https://www.lumiosolutions.io/people/edward-vincent-cfa]to unpack why creating a solid data foundation is the real starting point for any AI strategy. From building a common data language and data dictionary to unifying data silos and enforcing stewardship, Jeff explains how the right governance framework reduces risk, strengthens trust, and enables banks to move confidently into the AI era. Follow us to stay in the know! [https://www.linkedin.com/company/strategic-risk-associates]

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 [/people/edward-vincent-cfa] sits down with Cathy Jackson [/people/cathy-jackson-cpa] to unpack what comes next for institutions in this post-CAT world.  Together, they explore how banks can leverage the Cyber Risk Institute’s Profile 2.1 [https://cyberriskinstitute.org/cri-issues-profile-version-2-1-and-maturity-model/], why the seven functional areas of cyber risk matter, and how moving beyond spreadsheets to an integrated risk suite can give leaders a holistic, regulator-ready view of their risk posture. Follow us to stay in the know! [https://www.linkedin.com/company/strategic-risk-associates]

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 [https://summit.fintechcouncil.org/webinar] and Policy Summit [https://summit.fintechcouncil.org/] are helping shape the dialogue between banks, fintechs, and policymakers. Follow us to stay in the know! [https://www.linkedin.com/company/strategic-risk-associates]

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 [https://www.lumiosolutions.io/podcast] podcast, host Ed Vincent [https://www.lumiosolutions.io/people/edward-vincent-cfa] 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, [https://www.lumiosolutions.io/podcast-episodes/s3-e23-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. Follow us to stay in the know! [https://www.linkedin.com/company/strategic-risk-associates]

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 [https://www.lumiosolutions.io/podcast] podcast, host Ed Vincent [https://www.lumiosolutions.io/people/edward-vincent-cfa] 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. Follow us to stay in the know! [https://www.linkedin.com/company/strategic-risk-associates]