The Paper Podcast

Ryan James, CEO of Surety Bank is back with another Paper episode! This time he speaks with David Peterson, Chief Innovation Officer at FNBB, to discuss the significance of innovation in banking. From adapting to new technologies to enhancing customer service through digital transformation, they explore key challenges and opportunities. They share insights on engaging customers through storytellin...

Join host Ryan James in the latest episode of the Paper Podcast as he dives into the world of outsourcing in the banking industry. Discover the potential benefits, including quality enhancement, better customer value, cost reduction, and improved efficiencies. Gain valuable insights into the careful considerations banks must make when contemplating outsourcing functions like customer support, soft...

Join Surety Bank CEO & President, Ryan James as he discusses the topic of outsourcing in the banking industry. He explores various areas for potential outsourcing in loan underwriting, marketing, compliance, cybersecurity, and more. Ryan also shares insights on his bank's 2023 performance, expressing confidence and optimism for the future of banking, even amidst potential challenges.  Than...

In this episode of the Paper Podcast, host Ryan James shares key takeaways from his recent travels across conference hotspots like Vegas, Nashville, and Texas. From Money 2020 to Fed Fest in Fredericksburg, Texas, Ryan dives into the common thread he noticed among successful banks – strong compliance. Tune in to discover why compliance is the cornerstone for banks thriving in the ever-evolving lan...

In this weeks episode, Ryan James, CEO & President of Surety Bank shares valuable insights to bank CEOs, executives, and management teams on vetting new vendors. His advice includes examining employee turnover and changes in leadership to determine if vendors bring substantial changes, along with a range of other crucial considerations. Thank you for watching this episode! If you enjoyed it an...

Welcome back to another episode of Paper Podcast! This week our host, Ryan James, President and CEO of Surety Bank explores the intricacies of bank policies and their impact on our everyday financial interactions. Tune in as he unveils thought-provoking insights that may leave you contemplating the true nature and purpose of these policies. Thank you for watching this episode! If you enjoyed it an...

Join Ryan James as he wraps up his keynote address at the FSPA Conference with this last segment. Listen as he delves into the exciting future of bank branches and discusses different branch models and the vital role of physical branches in establishing trust. Ryan also explores the transformative effects of expanding into new markets and the importance of having knowledgeable staff who focus on c...

In this excerpt from the FSPA Conference, Ryan James discusses the future of cryptocurrency. He highlights concerns with Stablecoin audits and commends Bitcoin for its self-regulation and chargeback prevention. He also delivers a thought-provoking critique of the Consumer Protection Bureau's approach to handling chargeback disputes and paints a visionary picture of integrating cryptocurrencies...

Join our host, Ryan James in this unique series of episodes featuring excerpts from his keynote speech at this year's FSPA Conference. In this second segment, Ryan discusses the current state of the banking industry. He sheds light on a relatively stagnant year, attributing it to the failure of banks due to interest rates. He also highlights the recent failures of three banks and goes into det...

Join our host, Ryan James in this unique series of episodes featuring excerpts from his keynote speech at this year's FSPA Conference. This first clip unveils his personal journey and encounters within the banking sector, providing a captivating peek into the ever-changing banking landscape. Thank you for watching this episode! If you enjoyed it and want to stay up to date with new upcoming ep...

In this week's episode of the Paper Podcast, Ryan James explores a proposed Senate bill that aims to limit the involvement of fintechs in SBA 7(a) loans. The bill received overwhelming support with an 18-1 vote during a panel meeting. Its primary goals are to strengthen oversight and impose limitations on new non-bank entrants participating in the small business administration's lending pr...

In this episode, our host Ryan James, President & CEO of Surety Bank, takes a unique approach by engaging in a conversation with Marketing Consultant, Lee Murray. Together they discuss the current economic situation and utilizing AI in data organization and analysis. They also explore how AI can enhance creativity, eliminate monotonous tasks, and provide real-time analysis for businesses. Addi...

In this week's episode, join Ryan James, CEO and President of Surety Bank, as he explores the vital importance of risk assessments in the banking industry. Discover how adapting to regulatory changes and evaluating the impact of new products on operations play a pivotal role. Ryan emphasizes considering worst-case scenarios, implementing necessary controls, and engaging various departments for...

Welcome to another episode of the Paper Podcast. Our host, Ryan James, CEO & President of Surety Bank gives his thoughts on the upcoming FedNow service and gives insight on the behind-the-scenes processes of FedNow, a faster real-time payment service offered by the Federal Reserve. He emphasizes the need for caution and waiting until the procedures have been ironed out before diving into it. H...

Are chief risk officers the solution to preventing another banking crisis? Join Ryan James, President & CEO of Surety Bank as he answers this question and shares his thoughts on the recent bill proposing the requirement of chief risk officers in large banks.  While acknowledging the value of having a chief risk officer, Ryan challenges the notion that it is the sole solution to preventing mism...

Welcome to the latest episode of the Paper Podcast hosted by Ryan James, CEO and President of Surety Bank. Get ready to dive deep into the banking industry as Ryan discusses bank collapses, emphasizing the crucial role of proper management and oversight. Discover the challenges faced by community banks and explore strategies for sustainable growth and enhanced service to our communities. Thank you...

In this week's episode, Ryan James shares his observations from the recent capital markets cannabis conference. He emphasizes the importance of proper risk assessments and investigating everything, treating the industry like any other.  Thank you for watching this episode! If you enjoyed it and want to stay up to date with new upcoming episodes, please subscribe and share with a friend or coll...

This week, host Ryan James, CEO and President of Surety Bank delves into the world of risk management practices and exposes the dangers of trusting inexperienced companies and individuals who claim they can help you. This episode is full of valuable insights and tips on how to identify reputable auditors and experts who can genuinely aid in enhancing your risk management practices. Thank you for w...

In this week's episode, Ryan James, CEO and President of Surety Bank discusses the changing landscape of the banking world and the impact of recent regulatory changes. He highlights the issues faced by banks with regard to their bond portfolio and the need for all banks to be held to the same standard.  With a mix of insights and opinions, this podcast is a must-listen for anyone interested in...

In this episode, Ryan James, CEO and President of Surety Bank shares his enthusiasm for crypto and banking with crypto. Watch as he reflects on the recent ups and downs of the crypto market, and how it has led to the weeding out of weak ideas in the industry. Discover why Ryan believes this is a crucial time for practitioners to shine and for quality products to rise.  If you're interested in...

Join Ryan James, CEO and President of Surety Bank as he discusses recent events in the banking world, including the demise of Silvergate, Silicon Valley Bank, and Signature Bank, and the regulatory actions that followed.  In this episode, Ryan delves into how the banks' downfall was caused by insufficient risk management and inadequate regulatory oversight. As a banker, you can gain valuable i...

In this week's episode, Ryan James, President and CEO of Surety Bank breaks down an article from American Banker titled "Small Banks Feel the Rise in Borrowing from the Fed's Discount Window" and discusses whether or not community banks are in direct competition with the government. Tune in to hear more about the state of banking and finance in the US, and how these issues direct...

In this week's episode of Paper Podcast, Ryan James, President and CEO of Surety Bank talks about AI's future in community banking. Listen as he shares his personal experiences using AI and explains how it can enhance a community bank's brand and leverage its employees. Ryan also covers potential solutions for common online banking questions, such as frequently asked questions and chat box applica...

In this week's episode our Host, Ryan James, CEO and President of Surety Bank delves into a bank that faced a significant loss - Silvergate Bank. Get a glimpse into their financials, the impact cryptocurrency had on them, and the events that led to their downfall. This episode will provide lessons learned from this experience and you'll be able to gain insight into the importance of monitoring co...

This week, we're sharing highlights from the first 14 episodes of the Paper Podcast. Watch Ryan James, President and CEO of Surety Bank, discuss a range of topics with guests including fraud, cryptocurrency adoption by banks, identifying human trafficking with transactions, and more. Thank you for watching this episode! If you enjoyed it and want to stay up to date with new upcoming episodes, plea...