The Loan Sorter | Start Small, from Banking on Data S4E3

Before an underwriter ever sees a file, someone has to check it against requirements and chase down what's missing — a manual process that happens at most banks every day. Ted Gibson of Shore Group Associates shows how they built a tool that runs the completeness check automatically, so files reach underwriting faster.From Banking on Data, Season 4 Episode 3. Listen to the full episode Follow us to stay in the know!

Before a bank can test a new vendor or tool, someone has to anonymize the sample data first — a process that normally takes days. Dave Macolino and Ted Gibson of Shore Group Associates show how they built a tool that does it in about two minutes, deterministically and without sending data online.From Banking on Data, Season 4 Episode 3. Listen to the full episode Follow us to stay in the know!

Everyone's asking what community banks are doing about AI. In this Banking on Data conversation, Ed Vincent and Dave Macolino, President & COO of Shore Group Associates, make the case for a better question: what problem are you actually trying to solve? A practical, hype-free take on why AI and speed aren't the same thing, and why the smartest place to start is smaller than you think.Follow us to stay in the know!

The competitive landscape for community banks hasn't just shifted — it's already changed. The real question is whether institutions still understand what makes them valuable in it. For most of banking history, the answer would've centered on products: loans, deposits, a place to hold your money. That's no longer the differentiator. What separates the institutions that thrive from those that stall out is a set of characteristics that transcend any single product — the kind of trust a customer builds with an institution over decades, and the consistency of delivering on it. In this episode of Banking on Data, Ed Vincent sits down with Phil Goldfeder, CEO of the American Fintech Council, to talk about what's really driving the wave of fintech charter applications, why “responsible innovation” has to run in both directions — fintechs earning trust, and banks embracing technology — and what community banks need to understand about their own value before they can compete on anything else. Listen to the full conversation below or on YouTube. To see how Lumio helps community banks turn trusted data into confident decisions, visit lumiosolutions.io. For more episodes visit: LumioSolutions.io/podcastFollow us to stay in the know!

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.Follow us to stay in the know!

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 how modern community financial institutions can use actionable data to align teams, break down silos, and drive meaningful growth. Their conversation explores how banks can empower their frontline with real-time, context-rich insights, why data quality and accessibility matter more than volume, and what the future of data-driven sales enablement looks like in community banking.Follow us to stay in the know!

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 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!

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. Together, they explore how banks can leverage the Cyber Risk Institute’s Profile 2.1, 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!

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 Summit are helping shape the dialogue between banks, fintechs, and policymakers.Follow us to stay in the know!

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 approach to AI. This builds on a previous episode, 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!