Financial Minds: Meet the Experts

For every system upgrade, implementation or coordination of cross-departmental teams, the project management office (PMO) is there to ensure things run smoothly. On this episode of Financial Minds: Meet the Experts, we take a closer look at Vizo Financial’s PMO team and how their role in bringing big initiatives to life helps credit unions succeed.Joining Jaime are Chris Dowhower, VP, project management, and Judy Jackson, associate project manager, to talk about the behind-the-scenes responsibilities of the PMO team at Vizo Financial.Together, they discuss:· What the PMO team does· First priorities when taking on large projects· How to build and manage timelines across different departments· How to measure a project’s success· And more!Tune in to hear from our PMO team on this week’s episode! Then, be sure to watch next week’s episode as we continue our meet the team series!Connect with us:Vizo Financial: www.vfccu.org LinkedIn: www.linkedin.com/company/vizo-financial

Credit unions excel when they have information systems running smoothly, securely and reliably. That’s why, on this episode of Financial Minds: Meet the Experts, we take a closer look at Vizo Financial’s information technology (IT) team and how their behind-the-scenes work plays a critical role in keeping Vizo Financial and our credit unions operating efficiently.Joining Jaime are Mike Heider, VP, information technology; Zac Hoffman, IT operations manager; and Andrew Jarrell, systems administrator & help desk manager, to talk about maintaining infrastructure and patching systems, strengthening firewalls and protecting sensitive data. Tune in to hear how they keep both internal teams and credit unions operating with confidence.They share:An overview of the IT team’s responsibilitiesA typical day of an IT team memberProactive measures they take to prevent future issuesA deeper dive into patching systems and firewallsAnd more!Join us to hear our IT team on this week’s episode! Be sure to listen in next week too as we continue our meet the team series!Connect with us:Vizo Financial: www.vfccu.org LinkedIn: www.linkedin.com/company/vizo-financial

The April FOMC meeting takes place next week and you know what that means! We’re bringing you a new economic update on this episode of Financial Minds: Meet the Experts podcast.Joining Jaime are our economic experts, Scott Wood, SVP/chief investment officer, and Tim Sustak, SVP/chief treasury officer. Tune in as they share their thoughts on how the meeting could impact credit unions.Together, they’ll explore:· What’s driving the current state of the economy· The job market and how employment is holding up· How inflation could keep the Fed cautious· The current rate environment and the possibility of cuts· And more!Make sure to catch Scott and Tim for this week’s economic update! Next week, we will get back into our Meet the Team series and continue looking at what goes on behind the scenes at the Corporate to support credit union success.Connect with us:Vizo Financial: www.vfccu.org LinkedIn: www.linkedin.com/company/vizo-financial

Being as informed as possible when making important financial decisions is crucial for credit union success. On this episode of Financial Minds: Meet the Experts, we take a closer look at Vizo Financial’s asset liability management (ALM) team and how they keep credit unions strong in the ever-changing financial environment.Joining Jaime are Melissa Scott, VP, balance sheet strategy; Michael Rice, senior ALM consultant; and James Thacker, senior ALM consultant, to discuss how their insight on interest rate risk, liquidity, and overall balance sheet strategy supports leadership decision making for credit union stability and growth.Together, they share:· What ALM is and why it’s important to credit union success· Collaborating with the investment team to support credit unions· How they assist with liquidity risk· Advice on the budgeting process· And more!Tune in to hear our ALM team on this week’s episode! As always, make sure to listen in next week as we continue our meet the team series!Connect with us:Vizo Financial: www.vfccu.orgLinkedIn: www.linkedin.com/company/vizo-financial

Some of the most critical payment systems credit unions depend on run through digital channels. This is where our electronic funds transfer team comes in. With daily processing of wire transfers, ACH transactions, instant payments and more, this team plays an important role in supporting credit union success.On this episode of Financial Minds: Meet the Experts, Kristin Smith, senior EFT specialist; Emily Crihfield, EFT specialist II; Dominique Woodson, EFT specialist I; and Libby Strychasz, EFT specialist I, join Jaime to share the details of managing these systems, keeping up with constantly evolving payment technology and supporting credit union success.Together, they discuss:· What the EFT team is responsible for· Handling troubleshooting and urgent situations· The skills most important for working in EFT services· Behind the scenes work of moving money electronically· And more!Catch our EFT team on this week’s episode! Then, make sure to tune in next week as we continue our meet the team series!Connect with us:Vizo Financial: www.vfccu.org LinkedIn: www.linkedin.com/company/vizo-financial

Deciding to move forward with a new product or service can leave a credit union wondering how the transition will impact them. Having a strong team to ensure a smooth, organized and successful implementation process is important to credit union success. That’s why, on this week’s episode of Financial Minds: Meet the Experts, we continue our Meet the Team series by talking with the Vizo Financial implementation team.Joining Jaime are Jim Kauruder, implementation coordinator II; Tish Madden, implementation coordinator I; Aria Williams, implementation coordinator I; Lashawnda Corbett, implementation coordinator I; and Haleigh Zahniser, implementation coordinator I, to discuss how they help credit unions bring new services to life.They share:· What the implementation process looks like· Most common services or changes credit unions are implementing· Behind the scenes responsibilities of implementation· Best practices for training credit union staff for a new service launch· And more!Listen in to hear our implementation team get into all the details – because if anyone loves details, it’s them! Then, don’t forget to follow along next week as we continue our meet the team series!Connect with us:Vizo Financial: www.vfccu.org LinkedIn: www.linkedin.com/company/vizo-financial

When a member has a transaction, account questions or any other operational needs, the front lines are ready to assist. On this week’s episode of Financial Minds: Meet the Experts, we continue our Meet the Team series by taking a look behind the scenes at our member support team and the critical role they play in credit union success.This week, Jaime chats with Becky Weaber, member services manager; Peggy Davis, member support specialist II; and Nicole Calame, member support specialist I, to understand how these problem solvers and relationship builders play an important part in helping Vizo Financial serve our members.Together, they discuss:· What services and products the team supports· What a typical day in member support looks like· Skills that are important for member support team members to have· Handling transactions and operational support· And more!Tune in for the full conversation with our member support team, and don’t forget to follow along next week as we continue our meet the team series!Connect with us:Vizo Financial: www.vfccu.org LinkedIn: www.linkedin.com/company/vizo-financial

We’ve all heard about the products, services and strategy when it comes to credit union success, but there’s another powerful piece of that mission. On this week’s episode of Financial Minds: Meet the Experts, we continue our Meet the Team series with Vizo Financial’s HR and culture team, and the vital role they play in the employee experience.Joining Jaime are Janice Appleby, SVP/chief human resources officer; Lisa Cieri, senior human resources manager; Melanie Lambie, senior human resources generalist; Jeanne Heath, director of cultural engagement & learning; and Deb Gill, learning and engagement ambassador. Behind the partnerships and strategic solutions Vizo Financial has to offer is a team of engaged and motivated employees working to achieve our mission, all thanks to the HR & culture team.Together, they share:· The focus for the HR & culture team· What receiving the Gallup Exceptional Workplace Award really means· Employee engagement and how it impacts credit unions· Designing a benefits package to support employees· And more!Listen to the full conversation to learn from the HR & culture team about employee engagement and culture, and what that means for credit union success. Be sure to stay tuned for next week as we continue highlighting the teams that make it possible.Connect with us:Vizo Financial: www.vfccu.org LinkedIn: www.linkedin.com/company/vizo-financial

It’s that time again! With the March FOMC meeting taking place next week, we’re bringing you a new economic update on this episode of Financial Minds: Meet the Experts podcast.Joining Jaime are our economic experts, Scott Wood, SVP/chief investment officer, and Tim Sustak, SVP/chief treasury officer. Listen in as they discuss how the meeting could impact credit unions.Together, they’ll explore:· How the employment landscape is affecting the Fed’s decision-making· What the current yield curve tells us· Economic indicators to watch· News on the next Fed chair· And more!Be sure to catch Scott and Tim for this week’s economic update! Then, next week, we will jump back into our Meet the Team series and continue looking at what goes on behind the scenes at the Corporate to help accelerate credit union success.Connect with us:Vizo Financial: www.vfccu.org LinkedIn: www.linkedin.com/company/vizo-financial

Behind every strong solution is a team focused on strategy, connection, and credit union success. On this week’s episode of Financial Minds: Meet the Experts, we continue our Meet the Team series by highlighting Vizo Financial’s product management team and the role they play in helping credit unions make product decisions.Joining Jaime are Andi Crockett, director of payments products manager; Anthony Greco, product manager, payment and consumer technology; and Bryan Hoover, product manager, compliance and risk. From leading the discovery process to collaborating with core providers and internal teams, they share how their work connects strategy to functionality in meaningful ways.Together, they discuss:· What a product manager does and the importance of the role· How they support long-term planning and decision-making· The importance of integration and provider alignment· How cross-team collaboration strengthens outcomes for credit unions· And more!Catch the full conversation to learn from the product management team about the strategy and collaboration behind every solution Vizo Financial offers!Connect with us:Vizo Financial: www.vfccu.orgLinkedIn: www.linkedin.com/company/vizo-financial

A key part of credit union success is protection and building trust. On this week’s episode of Financial Minds: Meet the Experts, we continue our Meet the Team series with Vizo Financial’s security team.Joining Jaime are Mike Bechtel, information security director, Keeley Hartman, information security analyst, Mark Clarke, business continuity administrator and Chris Higgins, information security engineer, to discuss how their work behind-the-scenes protects what matters most. From navigating cyber threats to supporting secure operations, the team explains how a proactive approach to security supports confidence and trust.Together, they share:· Corporate credit union security compared to natural person credit unions· Protecting member data and maintaining trust· Managing risks facing credit unions· Credit union security services offered through Vizo Financial· And more!Tune in to learn more about how the security team ensures protection and builds trust when you listen to this week’s episode. Then, be sure to join us next week as we take a closer look at another team that plays a vital role in credit union growth and success!Connect with us:Vizo Financial: www.vfccu.org LinkedIn: www.linkedin.com/company/vizo-financial

Have you ever wanted to take a closer look at how a strong balance sheet supports long-term credit union success? We talk about just that and more on this week’s episode of Financial Minds: Meet the Experts, where we continue our Meet the Team series with Vizo Financial’s investment team.On this week’s episode, Scott Wood, SVP/chief investments officer; Roger Heidlebaugh, portfolio strategists; and John Katon, investments analyst, join Jaime to discuss how they support financial stability and investment strategies for credit union growth. By aligning investment strategies with specific credit union goals, they help institutions balance returns with risk to create opportunities for financial advancement.Together, they share:A peek into the daily work of Vizo Financial’s investment teamHow credit unions can strengthen their investment portfolioWhat resources and services the team providesThe benefits of using Vizo Financial for investmentsAnd more!Discover more on how the investment team helps credit unions navigate market shifts with confidence when you listen to this week’s episode. And, of course, be sure to join us next week as we take a closer look at other teams that play a vital role in credit union growth and success!Connect with us:Vizo Financial: www.vfccu.org LinkedIn: www.linkedin.com/company/vizo-financial

A key role in accelerating credit union success is having those strong relationship builders and problem solvers on the front lines. This week on Financial Minds: Meet the Experts, we continue our Meet the Team series by spotlighting Vizo Financial’s team of corporate account managers and the vital role they play in credit union growth.Joining Jaime on this week’s episode are Robyn Cooper, Nic Gates, Steve Houser, Fran Molano and Ty Snavely to share how they serve as trusted partners to credit unions by navigating challenges, identifying opportunities and connecting them with solutions that support their goals.Together, they discuss:· A day in the role of a Vizo Financial corporate account manager· How to build trust and become a strategic partner for credit unions· Why listening critically is essential for credit union success· Ways they help credit unions navigate new and complex serviceselping credit unions navigate new and complex services· And more!Get an inside look at how our corporate account managers forge meaningful relationships and gain a true understanding of credit union needs to turn opportunity into growth. Then, don’t miss next week’s episode as we continue highlighting the teams that help credit unions succeed!Connect with us:Vizo Financial: www.vfccu.org LinkedIn: www.linkedin.com/company/vizo-financial

Clear messaging and consistent strategy matter more than ever in today’s credit union environment. This week on Financial Minds: Meet the Experts we continue our Meet the Team series by taking a closer look at Vizo Financial’s marketing department and the role they play in accelerating credit union growth.Joining Jaime on this week’s episode are Miranda Connelly, marketing manager, Brittany Hockenberry, senior communications specialist, and Stephanie Atkinson, education coordinator, to share how marketing works behind the scenes to support long-term credit union success!Together, they share insights on:· Daily tasks the marketing team handles· How they contribute to credit union growth· The difference between corporate vs. consumer credit union marketing· How data and insights guide strategies· And more!Tune in to hear Jaime and the marketing team dive into how their work helps credit unions connect, communicate and grow. Then, catch us next week as we continue highlighting more Vizo Financial teams that support credit union success!Connect with us:Vizo Financial: www.vfccu.org LinkedIn: www.linkedin.com/company/vizo-financial

Have you ever wondered about the people who work behind the scenes at Vizo Financial? We’re about to introduce you with our Meet the Team series!As we begin exploring how each team at Vizo Financial impacts credit union operations, we’re kicking off our first week with the Enterprise Risk Management (ERM) team. Joining Jaime on this week’s episode of Financial Minds: Meet the Experts are Erin Doan, Belinda Mumma, and Nikki Bordell to discuss the vital role they play in accelerating credit union success!Tune in as Jaime and the ERM team discuss:· What the ERM program is· How they protect credit unions· The type of risks they focus on· Tools and resources they provide· And more!Catch Jaime and the ERM team on this week’s episode for a look inside one of the many ways we provide credit union protection! Then, be sure to watch for next week’s episode to meet the Marketing team!Connect with us:Vizo Financial: www.vfccu.org LinkedIn: www.linkedin.com/company/vizo-financial

With the first FOMC meeting of the year set to take place next week, we’re bringing you a brand new economic update episode of Financial Minds: Meet the Experts!Join Jaime and our economic experts, Scott Wood, SVP/chief investment officer, and Tim Sustak, SVP/chief treasury officer, as they discuss how the committee’s next moves will impact credit unions.They’ll cover:Key economic signals that matter to credit unionsPredictions and outlook on interest ratesLiquidity trends across credit unionsMake sure you’re prepared for next week’s FOMC meeting by tuning in to this episode!Connect with us:Vizo Financial: www.vfccu.org LinkedIn: www.linkedin.com/company/vizo-financial

Credit unions are all about advocacy – for our members, for our institutions and for financial wellbeing that is accessible to everyone. As such a critical component of the work we do each and every day, Jaime is bringing several voices of advocacy to the Financial Minds: Meet the Experts podcast.We’re down to our final episode of our credit union advocacy series this week as Jaime sits down with Sydney Seral, chief advocacy officer with The League of Credit Unions & Affiliates, who will share how the league and its credit unions play a role in fighting for financial wellness in their communities.Join the discussion as they talk about:· How The League puts a human face to credit union advocacy· Current and upcoming advocacy priorities· The biggest issues facing credit unions in Virginia, Alabama, Georgia and Florida· How credit unions can be part of the advocacy movementCredit union advocacy is about speaking up for our communities and strengthening our impact…listen to this episode to see how you can be a part of the change!Connect with us: Vizo Financial: www.vfccu.org LinkedIn: https://www.linkedin.com/company/vizo-financial/The League of Credit Unions & Affiliates: https://the-league.coop/ The League of Credit Unions & Affiliates Advocacy Involvement: https://the-league.coop/get-involved/

Credit unions are all about advocacy – for our members, for our institutions and for financial wellbeing that is accessible to everyone. As such a critical component of the work we do each and every day, Jaime is bringing several voices of advocacy to the Financial Minds: Meet the Experts podcast.The credit union advocacy series continues this week with Christina Mihalik, senior vice president; Nicola Foggie, chief regulatory officer; and Kevin Oswald, government relations associate, with the CrossState Credit Union Association, who will share how the association and its credit unions play a role in fighting for financial wellness in their communities.Listen in as they discuss:· How the association makes advocacy a continuous priority· Ways regulatory and legislative changes are affecting credit unions· The biggest issues facing credit unions in New Jersey and Pennsylvania· How credit unions can be part of the advocacy movementCredit union advocacy is holding strong, and organizations are doing big things to strengthen our impact…maybe you could even be a part of the change!Connect with us: Vizo Financial: www.vfccu.org LinkedIn: https://www.linkedin.com/company/vizo-financial/CrossState’s Credit Union Advocacy Network: https://www.crossstate.org/cu-advocacy-network/CrossState Credit Union Association: www.crossstate.orgCrossState Credit Union Advocacy: https://www.crossstate.org/advocacy/CrossState Compliance Hotline: https://www.crossstate.org/compliance-hotline/CrossState Advocacy Anthem:https://vimeo.com/1121310049?fl=pl&fe=sh

It’s almost time for the final FOMC meeting of the year! With the December FOMC meeting set to take place next week on December 9-10, we’re bringing back our economic experts, Scott Wood, SVP/chief investment officer, and Tim Sustak, SVP/chief treasury officer, to the Financial Minds: Meet the Experts podcast.What do they think will happen during the meeting? Join Scott, Tim and Jaime as they discuss:Potential avenues for interest ratesThe implications of limited data from the government shutdownInflation and job market trendsWhat credit unions should be paying attention toAnd more!Get ready for another riveting economic update episode now! Then, don’t forget to mark your calendars for our FOMC Update video on December 11 to hear the results of the meeting! Connect with us:Vizo Financial: www.vfccu.orgLinkedIn: www.linkedin.com/company/vizo-financial

Credit unions are all about advocacy – for our members, for our institutions and for financial wellbeing that is accessible to everyone. As such a critical component of the work we do each and every day, Jaime is bringing several voices of advocacy to the Financial Minds: Meet the Experts podcast.The credit union advocacy series continues this week with Billy Boylston, SVP of governmental affairs, and Nathan Lane, director of federal affairs, both with the Carolinas Credit Union League, who will share how the league and its credit unions play a role in fighting for financial wellness in their communities.Tune in to hear them talk about:· How the league builds advocacy into the root of their mission· Top advocacy priorities in the coming years· The biggest issues facing credit unions in North and South Carolina· How credit unions can be part of the advocacy movementPut this episode at the top of your playlist to see what credit unions and leagues are doing to strengthen our impact…and maybe even be a part of the change!Connect with us:Vizo Financial: www.vfccu.orgLinkedIn: https://www.linkedin.com/company/vizo-financial/Carolinas Credit Union Association: https://carolinasleague.org/advocacy/

Credit unions are all about advocacy – for our members, for our institutions and for financial wellbeing that is accessible to everyone. As such a critical component of the work we do each and every day, Jaime is bringing several voices of advocacy to the Financial Minds: Meet the Experts podcast.The credit union advocacy series kicks off this week with John Bratsakis, president/CEO of the MD|DC Credit Union Association, who will share how the association and its credit unions play a role in fighting for financial wellness in their communities.Listen in as they discuss:· How the association engages with lawmakers and regulators to promote the credit union mission· The biggest issues facing credit unions in Maryland and DC· Current and upcoming regulatory and legislative changes that are shaping advocacy priorities· How credit unions can be part of the advocacy movementThis is just one of many advocacy episodes coming up. Tune in to see what credit unions and associations are doing to strengthen our impact…and maybe even be a part of the change!Connect with us: Vizo Financial: www.vfccu.org LinkedIn: https://www.linkedin.com/company/vizo-financial/ MD|DC Credit Union Association: https://www.mddccua.org/advocacy/

With a growing Latino population in the U.S., there’s an increased need for inclusive financial services and leadership that reflects these communities. Joining Jaime on the Financial Minds: Meet the Experts podcast this week is Barbara Mojica, executive director of The National Association of Latino Credit Unions and Professionals (NLCUP), to talk about the organization’s origin story and impact, and how credit unions of all sizes can better serve and uplift Latino communities.Hear from them as they discuss:· What challenges Latino communities are facing in terms of financial access and inclusion· How the NLCUP works to address those challenges through credit unions· Opportunities for credit unions to partner with or support NLCUP’s mission· Upcoming events or initiatives your organization should know aboutReady to learn more about how your credit union can strengthen Latino communities and get involved with NLCUP? Grab your headphones and press the play button!Connect with us: Vizo Financial: www.vfccu.org LinkedIn: https://www.linkedin.com/company/vizo-financial/NLCUP: https://www.nlcup.org

This week on the Financial Minds: Meet the Experts podcast, we’re continuing our discussion on Vizo Financial’s Empowerment Grants Program! Two years ago, Vizo Financial launched the Empowerment Grants Program to provide financial support for credit union foundations that help institutions develop financial wellness programs.In this week’s episode, Jaime talks with Lauren Whaley, president of the Carolinas Credit Union Foundation, and two credit union grant recipients to see how they’ve utilized the funds to better their communities.During this episode, you’ll hear more about how these grants work, the programs they support and the ways that credit unions are transforming lives. Listen in as they discuss:· How the application and implementation process connected organizations with other credit unions and community partners· Ways that programs like this strengthen the bond between credit unions and their local communities· Tips for institutions interested in applying for a Vizo Financial Empowerment Grant through their foundationLearn more about the Empowerment Grant funds that are available and get ready to be empowered! Press play now!Connect with us: Vizo Financial: www.vfccu.org LinkedIn: https://www.linkedin.com/company/vizo-financial/Learn more:https://carolinasfoundation.org/vizo-financial-empowerment-grant/

In the fall of 2023, Vizo Financial launched the Empowerment Grants Program, pledging $1 million in funding for the span of five years to provide financial support for credit union foundations in developing financial wellness programs.In this week’s episode of the Financial Minds: Meet the Experts podcast, our host Jaime sits down with Sue Ward-Diorio, executive director, CrossState Credit Union Foundation and two credit union grant recipients to chat about a topic at the heart of the credit union movement…empowerment!In this episode, you’ll learn how these grants work, what kind of projects they support and how they’re changing lives. Listen as they talk on these topics:· Projects and initiatives that credit union recipients funded with these grants· How these grants fit into the broader mission of empowering credit unions and their communities· The community impact that organizations have seen so far in the process of implementing these programs· Advice for other credit unions considering applying for a Vizo Financial Empowerment GrantReady to get inspired and find out more about the Empowerment Grant funds that are available? Gather your headphones and note-taking devices and check out this episode!Connect with us: Vizo Financial: www.vfccu.org LinkedIn: https://www.linkedin.com/company/vizo-financial/

With the October FOMC meeting set to take place next week, we’re bringing you another economic update episode of the Financial Minds: Meet the Experts podcast! Our pair of experts, Scott Wood, SVP/chief investment officer, and Tim Sustak, SVP/chief treasury officer, chat with Jaime this week about what’s coming down the economic pipeline.Listen as they explore:How the lack of recent data from the government shutdown may impact FOMC decisionsPredictions regarding movement on interest ratesRecent trends in economic pressuresWhat all of these things mean for credit unionsAnd more!Don’t miss this week’s podcast to get caught up on the economy and make sure to mark your calendars to watch our FOMC Update video on October 30! Connect with us:Vizo Financial: www.vfccu.orgLinkedIn: www.linkedin.com/company/vizo-financial

When it comes to balancing mission and risk, there’s a lot to consider! Thankfully this week, we’ll cover the importance of mission in the risk landscape on the Financial Minds: Meet the Experts podcast! Erin Doan, VP of administration at Vizo Financial, sits down with Jaime to talk about how your credit union’s team can stay mission-driven without sacrificing risk management.Tune-in as they discuss:· Methods for balancing mission and risk in today’s credit union environment· How to ensure that staff across the organization stay grounded in mission without overlooking risk· Ways that a strong risk management framework can enable innovation and service expansion· Advice on how to tackle the view that mission drift is the price of becoming more risk-averseDon’t miss this mission-enriched risk management episode!HEADS UP! Our podcast will be taking a break after this episode. In the meantime, head to our website or visit our YouTube page to get caught up on previous podcast conversations until we return! Connect with us:Website: www.vfccu.orgLinkedIn: www.linkedin.com/company/vizo-financial

Will they or won’t they? That’s the question on everyone’s minds ahead of next week’s FOMC meeting. With downtrodden data and pressure from all angles, the role of interest rates is more important than ever. Join Jaime and our pair of economic experts, Scott Wood, SVP/chief investment officer, and Tim Sustak, SVP/chief treasury officer, on the podcast to explore the economic environment and the implications it could have at the upcoming meeting.They’ll discuss:· Key economic data points the Fed will evaluate during next week’s meeting· The likelihood of a Fed rate cut· The amount of political pressure the Fed is currently facing· How economic uncertainty is impacting credit unions in lending, pricing and money managementGet the latest economic forecast and predictions regarding rates in this week’s episode. Then, be sure to check out our FOMC Update video on September 18! Connect with Us:Website: www.vfccu.org LinkedIn: www.linkedin.com/company/vizo-financialYouTube: https://www.youtube.com/@VizoFinancial

Will they or won’t they? That’s the question on everyone’s minds ahead of next week’s FOMC meeting. With downtrodden data and pressure from all angles, the role of interest rates is more important than ever. Join Jaime and our pair of economic experts, Scott Wood, SVP/chief investment officer, and Tim Sustak, SVP/chief treasury officer, on the podcast to explore the economic environment and the implications it could have at the upcoming meeting.They’ll discuss:· Key economic data points the Fed will evaluate during next week’s meeting· The likelihood of a Fed rate cut· The amount of political pressure the Fed is currently facing· How economic uncertainty is impacting credit unions in lending, pricing and money managementGet the latest economic forecast and predictions regarding rates in this week’s episode. Then, be sure to check out our FOMC Update video on September 18! Connect with Us:Website: www.vfccu.org LinkedIn: www.linkedin.com/company/vizo-financialYouTube: https://www.youtube.com/@VizoFinancial

If your credit union has a small team and limited resources, our latest episode of the Financial Minds: Meet the Experts podcast is for you! This week, Jaime sits down with Paige Barry, VP of strategic partnerships at DefenseStorm, to discuss a new, bundled cyber risk management solution that’s made specifically for smaller credit unions…Defense Storm Essentials!Discover how your credit union can level the playing field and stay secure with this solution as they discuss:· An overview of the DefenseStorm Essentials package· How credit unions can qualify for the solution· Types of dashboards and reporting that are available with this service· Ways that DefenseStorm helps organizations achieve a positive ROIIf your institution is on the smaller side, and you want to stay ahead of cyber threats and regulatory compliance, check out this episode today!Learn More:https://www.vfccu.org/solutions_mobile/Risk-Management.html#DS-essentials Connect with Us:Website: www.vfccu.org LinkedIn: www.linkedin.com/company/vizo-financial

Does your financial institution have AI anxiety? During the Financial Minds: Meet the Experts podcast this week, Jaime chats with Elba Arenas, president/CEO of MC FCU, and Mitch Rutledge, CEO of Vertice AI, about ways your credit union can overcome the unease associated with adopting AI in office operations.Hear from them as they explore:· Common fears and misconceptions about how AI is used in the industry· Defining AI use in the context of credit union operations· Safe and low risk use cases that credit unions should explore· Challenges organizations could face if they decide not to adopt AI· How to ensure AI enhances human work instead of replacing itIf your organization is hesitant to adopt AI or even if you’re inching closer to the starting line, you’ll definitely want to press play on this episode! Start listening now!Learn More:https://www.vfccu.org/solutions_mobile/vertice-ai.html Connect with us:Website: www.vfccu.orgLinkedIn: www.linkedin.com/company/vizo-financial

How can your credit union navigate the changing landscape of advanced technology? In this week’s episode of Financial Minds: Meet the Experts, Jaime sits down with Meredith Piotti of Wolf & Company to talk about how credit unions can best approach developing technology in their business operations.Discover how your institution can build tech-focused business strategies to shape successful outcomes as they explore:· Real world examples of credit unions that have successfully applied intelligent automation to improve task management and loan processing efficiency· Practical steps organizations should take to assess and improve their data quality, governance and security prior to implementation· Ways to overcome common barriers like limited budgets, resistance to change or data silosIf your organization is interested in building rapidly evolving tech into your business plans, this episode is a can’t miss! Tune in today!Learn More:https://www.wolfandco.com Connect with us:Website: www.vfccu.org LinkedIn: www.linkedin.com/company/vizo-financial

How can your credit union find valuable information, and more importantly, growth potential, in your existing data? Find out in this week’s episode of the Financial Minds: Meet the Experts podcast! Jaime talks with Jeremy Jenkins, VP of data analytics with Vizo Financial, about member growth tools and tactics that can be advantageous for credit unions. Learn how your organization can reclaim valuable time, so you can focus more on strategic growth and innovation.Hear from them as they explore:· Lessons on time being the biggest challenge in Jeremy’s recent blog article, “The Role of AI in Credit Unions: From the Lens of a Former President/CEO” and how automated technology can give that essential piece of the puzzle back· Success stories and use cases to demonstrate where analytics and automation have transformed back-office functions and operational efficiencies· Key takeaways from Vertice AI segmentation and modeling tools to deepen member engagement· And lots more!If your organization is interested in harnessing the power of growth opportunities, you won’t want to miss this episode. Press play now!Learn More:https://www.vfccu.org/solutions_mobile/vertice-ai.htmlConnect with us:Website: www.vfccu.orgLinkedIn: www.linkedin.com/company/vizo-financial

ISO 20022 on your mind? With the recent migration of FedWire to this new standard, it’s not surprising. And this week, we’re going to help you find everything you need to know about ISO 20022 (including how to pronounce it!) on the Financial Minds: Meet the Experts podcast. Jaime connects with our team of experts, Erica Johnson, director of payments; Ben Braun, payment application analyst; and Kristin Smith, senior EFT specialist with Vizo Financial, to discuss all things ISO 20022. Find out how your financial institution can start integrating it and what the benefits are for adopting ISO 20022.Tune-in as they explore:How ISO 20022 differs from older standards like SWIFT MT or ISO 15022Who is currently adopting ISO 20022 and what the global rollout status isWays that ISO 20022 enables richer data in payments and why this is importantHow ISO 20022 could lay the groundwork for more efficient cross-border payments or real-time settlementAnd much more!If your organization is curious about ISO 20022 and how it’s reshaping the future of financial messaging, this episode is for you! Grab your headset and head to the podcast now!Learn More:https://www.frbservices.org/resources/financial-services/wiresConnect with us:Website: www.vfccu.orgLinkedIn: www.linkedin.com/company/vizo-financial

It’s never too early to start planning for back to school, and in this week’s episode of the Financial Minds: Meet the Experts podcast, we’re talking about student loans! More specifically, what options are available for you to provide higher education financing for your members? Karie Bedford, senior relationship manager, financial institutions channel with Sallie Mae, sits down with Jaime to discuss the range of opportunities available with the full loan suite and other advantages that will benefit your credit union.Listen as they explore: How Sallie Mae’s approach to student lending differs from other private lenders in the market Why credit unions should be promoting student loan options nowWays that your credit union can retain existing members and attract new ones by offering Sallie Mae’s education loan suiteThe exclusive portal credit unions can use to access turnkey marketing materialsAnd more!Now is the time to offer students loans to your members…are you ready? Tune in to this episode to learn how you can be, right now! Connect with us:Vizo Financial: www.vfccu.orgLinkedIn: www.linkedin.com/company/vizo-financial

With the July FOMC meeting taking place next week, it’s time for another economic update episode of the Financial Minds: Meet the Experts podcast! Joining Jaime are Vizo Financial’s very own dynamic duo, Scott Wood, SVP/chief investment officer, and Tim Sustak, SVP/chief treasury officer.Hear from our economic experts as they explore:Predictions for the upcoming FOMC meetingSignals the Fed has given about the possibility of rate cuts later this yearGlobal risks that could impact the Fed’s outlookHow the Fed’s next steps could impact mortgages, auto loans and overall ratesAnd much more!Tune in for this week’s podcast to discover what lies ahead for the economy, and don't miss our FOMC Update video on July 31! Connect with us:Vizo Financial: www.vfccu.orgLinkedIn: www.linkedin.com/company/vizo-financial

With the 2025 Financial Conference coming up on September 10-12, 2025 at the Omni Grove Park Inn in Asheville, N.C., our fearless podcast host, Jaime, is chatting with past attendees to get the inside scoop! She caught up with Phil Barnhill with Greenville FCU and Darrell Tyler with Richmond Heritage FCU to find out more about the benefits of this conference for financial leaders.Hear from them as they discuss:Ways that the Financial Conference stands out from other eventsWhat meaningful connections they have made during the conferenceHow the Financial Conference has evolved over timeFavorite moments from the eventThere’s a lot to learn about the 2025 Financial Conference in this week’s episode. Click play to watch or listen now!Interested in joining us for the 2025 Financial Conference? You can visit our website to learn more about the education sessions, networking opportunities, activities and more that will take place at the event. Connect with us:Vizo Financial: www.vfccu.orgLinkedIn: www.linkedin.com/company/vizo-financialGreenville FCU: https://www.greenvillefcu.comRichmond Heritage FCU: https://richheritage.org

With the FOMC meeting taking place next week, get caught up on the economy in this week’s podcast episode! Joining Jaime for the latest installment of the Financial Minds: Meet the Experts podcast are Vizo Financial’s Scott Wood, SVP/chief investment officer, and Tim Sustak, SVP/chief treasury officer.Learn from our economic experts as they discuss:Predictions for the upcoming FOMC meetingOutlook for the economyWhat trends we’re seeing with liquidityAnd much more!Discover what’s ahead for the economy by tuning in to our podcast! Don't miss our FOMC update on June 20. We will upload the video to our website and YouTube page later in the day following the meeting. Following this episode of the podcast will be taking a short break, returning on July 16. While you wait for new content, you can get caught up on past episodes!Connect with us:Vizo Financial: www.vfccu.org LinkedIn: www.linkedin.com/company/vizo-financial Instagram: @vizofinancial

We’re putting fraud under the microscope and turning up the focus in this week’s episode of Financial Minds: Meet the Experts! Listen in as Jaime connects with a panel of experts from four financial institutions to discuss the types of fraud that credit unions are increasingly facing and what practices and strategies may help in the fight against these growing threats. You’ll hear from Michele Ford at Patriot FCU, Amanda Balmer at PSECU, Lauren Greenaway at Belco Community CU and Cindy Hagan at Vizo Financial.Learn from the panel as they talk about:Red flags to help detect and prevent fraudThe importance of cross-department collaboration in fraud prevention effortsKey components of a proactive fraud prevention strategyHow to balance fraud prevention and maintain a seamless member experienceWays that financial institutions can leverage data analytics to identify and prevent fraudulent activitiesAnd lots more!The fight against fraud is heating up, so make sure to tune in to the podcast!But wait, there’s more! Don’t miss our upcoming webinar featuring this same panel of experts on June 24 at 2:00 p.m. ET. Get more details here!Learn More:Visit our website: https://vfccu.org/solutions_mobile/Risk-Management.html Connect with us:Vizo Financial: www.vfccu.org LinkedIn: www.linkedin.com/company/vizo-financial nstagram: @vizofinancialPatriot FCU: www.patriotfcu.orgPSECU: www.psecu.comBelco Community CU: www.belco.org

If your systems are vulnerable, you want to be the first one to know about it, right? This week on the Financial Minds: Meet the Experts podcast, Jaime sits down with William Snowden at Fortra to discuss how vulnerability scanning and penetration testing provide key insights to quickly identify weak spots and ultimately keep sensitive data out of reach from attackers.You will learn a LOT from Jaime and William during their conversation as they cover:Key differences between vulnerability scanning and penetration testingHow the changing threat landscape is impacting the way credit unions should approach penetration testingWhich frequently occurring vulnerabilities are most overlookedHow AI and machine learning are impacting vulnerability scanning and penetration testingThe best way for credit unions to prioritize remediation efforts after testingDiscover how you can stay ahead of attacks with these critical security strategies. This week’s episode is ready to watch, just hit play now!Learn More:Visit our website: https://vfccu.org/solutions_mobile/Risk-Management.html Connect with us:Vizo Financial: www.vfccu.org LinkedIn: https://www.linkedin.com/company/vizo-financial/ Instagram: @vizofinancialFortra: www.fortra.com LinkedIn: https://www.linkedin.com/company/fortra/ X: https://x.com/fortraofficial

How has social engineering evolved over the past decade? What are some of the latest tactics that attackers are using, and why have they been so effective? How can you train your team to better defend your credit union? These are all important questions, which is why we will be covering all of them and many more during this week’s episode of Financial Minds: Meet the Experts podcast!Jaime is sitting down with Mike Bechtel, information security engineer at Vizo Financial, to talk about the progression of social engineering in recent years, which has led to the sophisticated and varied scams we are seeing today. With all of this in mind, they’ll explore the proactive and precautionary measures that credit unions can take to protect against these threats.Join Jaime and Mike as they dig into these important issues and more:New tactics attackers are usingPsychological triggers that attackers commonly useHow AI has changed the social engineering landscapeHow to create a culture of security within your credit unionStart learning the ways you can strengthen your defenses against social engineering today - grab your headphones and hit play!Learn More:Visit our website: https://vfccu.org/solutions_mobile/Risk-Management.html Connect with us:Vizo Financial: www.vfccu.org LinkedIn: https://www.linkedin.com/company/vizo-financial/ Instagram: @vizofinancial

With sophisticated advancements in tech, it’s crucial for credit unions to stay current on the threats that come with them. But with information overload, how can you filter through the noise? By listening to this week’s Financial Minds: Meet the Experts podcast episode, of course!Jaime sat down with Shyam Menon, director of fraud at DefenseStorm, this week to talk about synthetic identity fraud, deepfake attacks and AI-driven crime. There’s certainly a lot to cover on this important topic!Listen to their conversation to learn about:Example cases of synthetic identity fraud we’re seeing in the real worldCurrent AI and ML detection and prevention strategies for identifying deepfake-based fraudWays that consumers and businesses can spot the warning signs of synthetic identity fraudHow organizations can work proactively to build fraud-resistant systemsThe role of the government and prevention laws they’ve put in placeEmerging technologies and strategies for combatting synthetic identity fraudGrab your device to stay ahead of emerging risks and click play now!Connect with us: Vizo Financial: www.vfccu.org LinkedIn: https://www.linkedin.com/company/vizo-financial/ Instagram: @vizofinancialDefenseStorm: https://defensestorm.com/ LinkedIn: https://www.linkedin.com/company/defensestorm/ Instagram: https://www.instagram.com/defensestorm/

As we look ahead to the future of the financial sector, it’s clear that risk management and security best practices aren’t going anywhere. In fact, they are more imperative to the success of credit unions than ever before.This week on the Financial Minds: Meet the Experts podcast, Jaime speaks with John Cuneo, SVP/chief risk officer at Vizo Financial, about the ways that your financial institution can be better prepared for emerging threats and how to stay informed of the current risk landscape.They’ll explore these topics:Most pressing risks that credit unions are currently facingHow credit unions should approach cybersecurity risksThe impact of recent regulatory changes on credit union risk management practicesKey risk management strategies that credit unions can implementHow credit unions can manage risk when adopting digital banking servicesWays that credit unions can better educate their members about riskPrepare to learn a LOT about risk and security, then click play to hear this week’s episode!Connect with us:Vizo Financial: www.vfccu.orgLinkedIn: https://www.linkedin.com/company/vizo-financial/Instagram: @vizofinancial

With continued uncertainty in the markets and economy, how are credit unions adapting to these changes?On this week’s episode of the Financial Minds: Meet the Experts podcast, Jaime speaks with our in-house experts, Scott Wood, SVP/chief investment officer, and Tim Sustak, SVP/chief treasury officer. Listen-in as Scott and Tim discuss economic trends and market changes impacting financial institutions.Tune in as they dive into:The status of the job marketVolatility in the housing market and how this is impacting credit unionsSales changes in the auto marketPredictions and expectations for next week’s FOMC meetingDon’t miss this economic update episode, hit play on your device now!Connect with us:Vizo Financial: www.vfccu.org LinkedIn: https://www.linkedin.com/company/vizo-financial/ Instagram: @vizofinancial

In September 2023, Vizo Financial launched the Empowerment Grants Program, pledging $1 million in funding to support credit union foundations in building financial wellness programs over the span of five years.April is Financial Literacy Month, and in the latest episode of our Financial Minds: Meet the Experts podcast, Jaime talks with Leigh Philibosian of the MD|DC Foundation and Vizo Financial Empowerment Grant recipients, Sandra Park and Andrey Gidaspov from the FedChoice Charitable Foundation of FedChoice FCU about the positive impact credit unions and communities are seeing with the support of these grants.Tune in as they discuss topics that include:How the empowerment grants helped the FedChoice Charitable Foundation bring real change to their communitiesThe impact the grants have had on credit unions and communities they serveDetails about the grant application processFeedback and responses from grant recipientsReady to get inspired and learn more information about the Empowerment Grant funds that are available through The Credit Union Foundation of MD|DC? Grab your headphones and check out this episode!Learn More & Connect: Vizo Financial: www.vfccu.org LinkedIn: https://www.linkedin.com/company/vizo-financial/ Instagram: @vizofinancialThe Credit Union Foundation of MD|DC: www.cufound.orgFedChoice Charitable Foundation: www.fedchoicegives.org LinkedIn: https://www.linkedin.com/company/fedchoice-charitable-foundation/

As our president/CEO, Fred Eisel, said, “we achieved a three-peat!” This is in reference to Vizo Financial’s third consecutive year winning the Gallup Exceptional Workplace Award, an honor bestowed to only a handful of organizations worldwide.With employee engagement and strengths-based strategies backing this incredible accomplishment, Jaime wanted to invite Joe Bertotto, the Corporate’s SVP/chief culture officer, to share the secrets of what makes an exceptional workplace.Listen in as they discuss:· Culture-building strategies that have been proven successful· Ways to develop and measure employee engagement across all levels of the organization· The role of leadership and communication in fostering effective workplace culture· Ideas for enhancing company culture as workplace trends and environments evolve· How Vizo Financial has celebrated the win across the organizationWant to bring some of these ideas back to your credit union? Tune in for this episode to celebrate with us and gain the building blocks of an exceptional organization!Connect with us: Vizo Financial: www.vfccu.org LinkedIn: https://www.linkedin.com/company/vizo-financial/ Instagram: @vizofinancial

With uncertainty surrounding the economy, how can credit unions navigate potential changes and ease member concerns?On the Financial Minds: Meet the Experts podcast this week, Jaime interviews Scott Wood, SVP/chief investment officer, and Tim Sustak, SVP/chief treasury officer, at Vizo Financial. Scott and Tim share their thoughts on upcoming economic considerations you need to know.They’ll explore topics that include:How potential tax cuts under the new administration could impact national debtWays the proposed tariffs could impact the economyImpacts on the future job market and unemployment system following federal and private sector job cutsFactors the FOMC is evaluating leading up to next week’s meetingThe likelihood of a government recession in the coming monthsKey takeaways from the 2025 GACTo hear this economic update episode, grab your notepad and press play!Connect with us: Vizo Financial: www.vfccu.org LinkedIn: https://www.linkedin.com/company/vizo-financial/ Instagram: @vizofinancial

Does your credit union offer ACH services to members? If so, then you know how important the ACH Rules laid out by Nacha are to ensuring efficient processing and compliance with industry regulations. Each year, there are changes and updates to those ever-important ACH Rules…but do you know all of them and why they’re being made?If you’re looking for more insights into the ACH Rules, you’re in luck, because Jaime’s guest on the Financial Minds: Meet the Experts podcast this week is Vizo Financial and MY CU Services’ EFT product manager, Andi Crockett. Not only is Andi sharing her knowledge of the ACH Rules, but she’s providing a breakdown of how they will impact your credit union’s processing.Tune in as they examine:A review of the 2024 ACH Rules changes and why it was such a big year for updatesUpcoming changes for 2025 and what lies ahead for 2026How your credit union can prepare for ACH Rules changesWays you can get involved in providing Rules feedback to NachaTake the time to view this episode and brush up on those ACH Rules!Connect with us:Vizo Financial: www.vfccu.orgLinkedIn: https://www.linkedin.com/company/vizo-financial/Instagram: @vizofinancialMY CU Services: www.mycuservices.comLinkedIn: https://www.linkedin.com/company/my-cu-services/

What makes a credit union successful? While things like a stable balance sheet and member satisfaction might initially come to mind, three things that can make or break any business are effective leadership, culture and strengths.That’s precisely why Jaime has invited Gallup Certified Strengths Coach, published author and Vizo Financial’s SVP/chief culture officer, Joe Bertotto, to the Financial Minds: Meet the Experts podcast to share his expertise on these critical components of workplace culture.Listen in as they discuss:“Healthy” culture and what that means for employee engagement and retentionThe use of strengths-based leadership to create high-performing teamsWhat well-being in the workplace looks likeHow leaders can create and sustain a sense of purpose within their teamsHow to maintain good culture in remote and hybrid work environmentsWhether you’re a long-time or emerging leader in your credit union, this episode is full of incredible insights that can help you build a culture of positivity and productivity. Don’t miss it!Connect with us: Vizo Financial: www.vfccu.org LinkedIn: https://www.linkedin.com/company/vizo-financial/ Instagram: @vizofinancial

One thing all credit unions have in common, regardless of asset size or field of membership, is the need for a core processing solution. As an essential piece of our operations, the right core solution can be hard to find. But what CUaxis brings to the table is more than just a core solution – it’s a community of support and common core users.In this episode of Financial Minds: Meet the Experts, Jaime is joined by Ashley Aubele, core solutions account manager of CUaxis, to talk about all the ways this exclusive credit union community is bridging gaps and embracing collaboration through a core solution that goes beyond the norm.They’ll be discussing:The premise and the mission of CUaxisHighlights, features and benefits of the CUaxis community and its CU*BASE core systemWhat makes CU*BASE a unique core solution for credit unions of all shapes and sizesWhere credit unions can learn more about this one-of-a-kind core communityIf core options and collaboration with credit union peers are on your mind, this episode is for you!Learn More about CUaxis: www.cuaxis.org LinkedIn: https://www.linkedin.com/company/cuaxis/Connect with Us: Vizo Financial: www.vfccu.org LinkedIn: https://www.linkedin.com/company/vizo-financial/ Instagram: @vizofinancial

Education. Collaboration. People helping people. These are just a few of the many cooperative principles that have built the foundation of the credit union movement. And it’s easy to see why they are so important, as each one drives the idea of pooling our resources to keep learning and growing together. But how do we maintain that engagement among credit unions in a fast-paced and ever-evolving world?Jaime has invited Jordan Burroughs, VP of member engagement with the MD|DC Credit Union Association, and Nick DeFrancesco, member engagement consultant with the CrossState Credit Union Association, to discuss just that. In this episode, they’re diving deep into the many ways credit unions can keep engagement top of mind.They’ll be sharing:· How to keep credit union staff at all levels engaged· League education and event offerings· The renaissance in chapter meetings, and why this is a big deal· Where to find engagement opportunities based on different CU groups· The importance of coming together to further our mission of collaborationWant to discover more ways to engage in the credit union movement? Consider this can’t-miss episode step one!Learn More: Education & Events page League & Association Education pageConnect with Us: Vizo Financial: www.vfccu.org LinkedIn: https://www.linkedin.com/company/vizo-financial/ Instagram: @vizofinancialMD|DC Credit Union Association: www.mddccua.org LinkedIn: https://www.linkedin.com/company/maryland-&-dc-credit-union-association/CrossState Credit Union Association: www.crossstate.org LinkedIn: https://www.linkedin.com/company/crossstatecua/