Financial crime is a G7‑sized economy. Carole House, Ari Redbord and Matt Van Buskirk join Jo Ann to expose how AI has turbocharged scams and why the AML system is failing — and to chart a new path powered by trust tech and real‑time collaboration.

Read the full show notes at: https://regulationinnovation.org/podcast/we-can-beat-financial-crime-pt-1-carole-house-ari-redbord-and-matt-van-buskirk/

DARPA's David R. Dewhurst joins Jo Ann to explain A3ML, an audacious plan to make money laundering too expensive to exist. Hear how new graph algorithms, incentives and privacy‑first design could turn the tide on illicit finance.

Jo Ann sits down with her friend Brett King and M-Pesa founder Nick Hughes on this special crossover episode of Barefoot Innovation & Breaking Banks, recorded live at Virgin Unite's "Change: Fintech Leaders Gathering" on Necker Island.

Today's guest has her finger on the pulse of global change in the world of payments, including how the COVID pandemic is changing the world. She is Ann Cairns, Executive Vice Chair of Mastercard.

I loved her thinking about the need to develop global standards for technology and data (she said the lack of them is "madness" and I agree!). And she lays out the bedrock principles that need to guide the journey to developing smart standards, ones that will do more good than harm.

Renaud was one of our earliest guests on Barefoot Innovation when he was CEO of Lending Club, and I'm so happy to have him back today in his new role as CEO and co-founder of Upgrade. I wanted to talk with him about Upgrade, and also to get his thoughts about how the fintech sector has evolved since those days.

Upgrade is a neobank with a novel strategy that uses the appeal of credit products to attract customers, and then offers more services. It aims to move borrowers off of revolving credit and into loans that people can successfully pay off, incentivizing good consumer financial behavior and discipline. In our conversation, Renaud notes that despite all the innovation in the lending world, consumers still have massive credit balances outstanding in high-interest debt products -- a consumer burden that he thinks shouldn't exist anymore, now that better products are available.

In our conversation, Jeremy explains what's behind the meteoric rise of digital dollar stable coins. He describes their expansion in 2019 as the crypto ecosystem gravitated to quality, compliant and trusted digital dollar stablecoins, and as hundreds of companies began to adopt USDC and add it to their products. And he talks about the dramatic growth surge in 2020, driven in part by the pandemic, as the infrastructure matures, use cases increase, and major institutional investors increasingly treat stable coins as a legitimate asset class.

Today's show is a special one because it includes breaking news. My guest is Linda Lacewell, the New York State Superintendent of the Department of Financial Services, and she will not only share her program for innovating in the midst of a pandemic, but will also announce an exciting initiative: that DFS is working with us at AIR to host New York's first-ever regulatory tech sprint, in partnership with the Conference of State Bank Supervisors (CSBS). The sprint will take on one of the most daunting challenges facing regulators today, namely, how to get more information, faster, about the companies they oversee, without escalating the burdens of regulatory reporting on the industry, in the midst of a crisis.

Today's guest is Sam Graziano, the CEO of Fundation.

In this episode, Sam tells us about Fundation's journey, starting with his own very usual mix of skills and then the company's launch as a direct line-of-credit lender to small businesses. He describes their epiphany, a few years back, in realizing that the technology platform they built was exactly what banks need in order to automate their own small business lending. Fundation had developed automated risk models that enable banks to say yes to business customers that, under traditional standards, would be rejected. Today, the company has a 50/50 split between direct lending and bank partnerships.

I'm delighted to say that my guests today are Allie Burns, the CEO of Village Capital, and Sarah Willis, Head of Financial Health Work at JPMChase and former Director at the MetLife Foundation.

Our conversation focuses on how to bring more capital into fintech ventures that really advance consumer financial health. Allie lays out today's venture capital landscape, which is heavily skewed to a few markets and away from startups that work on building financial health. Sarah explains MetLife's efforts on how to influence the fintech industry to diversify both founders and the customers served.

Rebeca Romero Rainey is president and CEO of the Independent Community Bankers of America® (ICBA), the leading advocacy organization representing community banks. A third-generation community banker born and raised in Taos, New Mexico, she is the former Chairman and CEO of Centinel Bank of Taos.

Shamir and Angela explain the fascinating meanings of the word, Sila. They describe their business model, their customer base, and their back-end infrastructure based on Ethereum. They explain their revenue model -- they say their pricing is so good, especially for startups, that they put it right on their homepage.

And they share their vision of the money world of the future. They point out that programming has been transformed in the last decade, so that it's easy today to integrate new technology into existing systems using software development kits, without the need for complex, expensive integrations.. Why, they ask, can't the world of banking and payments work like that? Why does it take three days for a global bank to move money? And what should a 21st century commerce system look like? Shamir and Angela think it should connect everyone on the planet; it should work over the internet; and it should enable anyone to build and ship applications on top of it, using standardized protocol libraries that developers can draw upon.

One benefit of my work is that I get to spend time with the innovators who are reshaping regulatory agencies all over the world. I have my favorites, and one of those is today's guest. He is Haime Workie, who leads the innovation team at FINRA.

Haimera Workie is the Head of Financial Innovation and Senior Director at FINRA. He is responsible for leading FINRA's Office of Financial Innovation, which focuses on analyzing financial technology (FinTech) innovations and emerging risks and trends related to the securities market. As part of these responsibilities, he works to foster an ongoing dialogue with market participants in order to build a better understanding of FinTech innovations and their impact on the securities markets.  

The triple crises of 2020 -- pandemic, economic contraction, and racial and social upheaval -- are opening up new kinds of conversations. Today's episode is one of these -- my discussion with Rodney Hood, the Chairman of the National Credit Union Administration. 

Chairman Hood is the first African-American, ever, to head a US federal financial regulatory agency -- and one of only eight to hold presidentially-appointed roles in these agencies since the New Deal.  As we continue our Barefoot Innovation special series on financial regulation after the pandemic, we focus closely on the challenges of racial disparity in the financial system, and what to do about them.

GenAI is revolutionizing finance! Hear from the winners of AIR's NextGenAI Call for Papers: Delicia Reynolds Hand, Dr. Henry Balani & Dr. Adrienne Heinrich. They discuss GenAI's impact on consumer protection, financial crime & ethical governance.

One evening last October, I was pushing my way through the throngs of people at Money 2020 in Las Vegas, when someone called out my name. I turned and saw today's guest -- Albert Forkner. He is the Banking Commissioner of the State of Wyoming, and our conversation led to this podcast, because he is doing one of the most innovative regulatory experiments in the United States -- or maybe anywhere.

One evening last October, I was pushing my way through the throngs of people at Money 2020 in Las Vegas, when someone called out my name. I turned and saw today's guest -- Albert Forkner. He is the Banking Commissioner of the State of Wyoming, and our conversation led to this podcast, because he is doing one of the most innovative regulatory experiments in the United States -- or maybe anywhere.

Today's episode of our special series on the future of regulation after the pandemic takes us   across the Atlantic (virtually) to talk with one of my favorite Barefoot Innovation guests. He is Christopher Woolard, the interim CEO of the UK Financial Conduct Authority.

In our conversation, Chris talks about the opportunity to come out of this crisis and "build back better." He discusses how the FCA has converted to the work-from-home environment and what adjustments may last beyond the crisis. He shares the worry that the economic downturn will follow the common crisis pattern of strengthening large incumbent firms at the expense of smaller ones, and how to avoid wiping out a decade of innovation. He talks about impacts on vulnerable consumers and on the UK's fabled fintech sector, and describes the government's efforts to build a bridge over the crisis and get as many people across it safely, as possible. 

Today in our special series on financial regulation in the pandemic and beyond, we are honored to have with us the Chairman of the Federal Deposit Insurance Corporation, Jelena Mc Williams.

She opens a fascinating window into how the FDIC is conducting off-site examinations in the crisis, and especially into the impressive speed with which banks are adopting technology to handle flows of information. She is hopeful that we will be able to find silver linings in how these unprecedented challenges are accelerating technology adoption, and laying the groundwork for a better financial system.

This morning, Brian Brooks is starting his new job as acting Comptroller of the Currency. I'm fortunate to know Brian well, and over the years he and I have spent many hours talking about all the themes that we explore here on Barefoot Innovation. As he takes on his new role, I'm delighted that we were able to sit down together (virtually) and share some of that conversation with you.

Today's show is both a fascinating story and a call to action. We're posting it as a bonus episode because my guest, Andrew McCormack of the Bank for International Settlements, is sharing an invitation to innovators throughout the world to apply to compete in the G20's global TechSprint -- and entries are due in just two weeks!

Welcome to the second in our series of special conversations about how the pandemic may change the shape of financial regulation. Last time we talked with former Comptroller of the Currency Thomas Curry. Today, my guest is another former Comptroller, and now the CEO and Founder of Promontory Financial Group, Eugene Ludwig. 

Gene Ludwig has been a household name in the financial regulatory realm for decades, and it was wonderful to be able to tap into his thinking about how this unprecedented crisis may change that world. He shares his insights about likely impacts for various sectors, for community banks, and for the government's efforts thus far to provide rescue assistance. 

Our listeners will be especially interested in Gene's thinking about how the crisis will reshape the technology of bank regulation. He foresees accelerating changes in how to conduct examinations, movement toward more shared utilities and third-party providers, and use of new

Today's show is the first in our COVID recovert series. My guest is Thomas J. Curry, who served as the US Comptroller of the Currency from 2012 to 2017. For listeners outside the United States, the Office of Comptroller of the Currency, or OCC, is the US regulator of nationally-chartered banks.

Trailblazing is hard work. It is not easy to carve out a path no one has followed before, knowing where you want to go but not precisely how to get there. That is exactly what today's guest has done. Colin Walsh is the CEO of Varo, and Varo is the first fintech startup to become chartered as a national bank.

Our guest today is Ellison Anne Williams, the CEO of Enveil. And she is an expert in the privacy technology known as homomorphic encryption.

Today's guest is David Reiling, CEO and Chairman of Sunrise Banks and author of the book, Fintech4Good.

David likes to emphasize the business advantages of being a mission-driven, double bottom line company. He says, for example, that it gives him a huge edge in recruiting top talent. He also believes it also saves on compliance costs. It's a fallacy, he says, to assume that banks operate in a "scarcity" marketplace in which profits and values have to be traded off against each other.

He also offers insights on key steps regulators should consider, including on the need to push their innovation agendas quickly out to their field examiners.

Jo Ann briefly discusses the changes underway at the U.S. financial regulatory agencies, including thoughts on the new Department of Government Efficiency (DOGE) and potential impacts on the Consumer Financial Protection Bureau (CFPB).

In this episode, I talk with Jerry Buckley and Sasha Leonhart of the Buckley firm, who explain how they did the project and what they learned. Jerry, Sasha and I also conducted a briefing on Capitol Hill last month, which was very well-attended and has engendered a great deal of constructive feedback and discussion. I want to thank the Buckley firm for undertaking all this work on a pro bono basis. I also want to mention that the report will be published in the coming weeks by the Business and Finance Law Review at George Washington University School of Law.

Jeff Dyer is a professor of strategy at BYU and the Wharton School. He and two co-authors, Nathan Furr and Curtis Lefrandt, have written the book, Innovation Capital, which explores how to lead innovation work, whether for companies or for projects, in situations where the innovator lacks the formal "power" to cause the needed steps. What do you do, for instance, if your boss doesn't see the need for innovation? How do you get people to want to join your project? 

In our conversation, Jeff says part of the answer is what he calls the human capital skill of forward thinking -- which he likens to mental time travel, envisioning what people in your industry will want next, and what technology is coming that will enable new things to happen. He talks about spotting opportunities -- being a "scout" and learning to see patterns. He talks about getting other people to want to help, so that you can amass the needed resources. And he talks about building an innovation reputation that will continue to attract people to your efforts over time.

Greg Becker has been a champion of the innovation economy since he joined Silicon Valley Bank in 1993 as a banker to fast-growing technology companies. Today, he is the CEO of the world's only bank dedicated to the innovation sector around the world.

Greg is optimistic about tech, including the power of fintech to drive down costs and therefore open financial access to nearly everyone -- he cites the book, How the Poor Can Save Capitalism by John Hope Bryant. He says adding AI to anything is like putting it on steroids, making everything much more interesting and powerful. At the same time, he shares his thinking on what we should worry about, including the ethics and impacts of AI and medical technology.  

In a moment you will hear Jelena tell her story, and I promise, you will see what I mean. Last year the Wall Street Journal ran a profile on her called, America's Most interesting Bureaucrat. She was born in the former Yugoslavia, grew up in a Communist society, got herself to the US, bootstrapped herself into law school, worked in private practice, and at a bank, and at the Federal Reserve and then at the US Senate in the midst of the financial crisis. Her eclectic background has enabled her to look at today's financial system from many angles. 

Joseph M. Otting was sworn in as the 31st Comptroller of the Currency on November 27, 2017. 

The Comptroller of the Currency is the administrator of the federal banking system and chief officer of the Office of the Comptroller of the Currency (OCC). The OCC supervises more than 1,200 national banks, federal savings associations, and federal branches and agencies of foreign banks operating in the United States. The mission of the OCC is to ensure that national banks and federal savings associations operate in a safe and sound manner, provide fair access to financial services, treat customers fairly, and comply with applicable laws and regulations. 

We covered a great deal of other ground. He shares his thinking on how the OCC needs to use technology; on how technology is transforming banks; on top emerging risks, especially in cyber; on the need for banks to use AI in compliance and risk management; and on equipping community banks to compete in today's high-tech market. 

He talks about the increasing level of interagency coordination underway today. The US has five federal agencies that directly supervise depository institutions, which makes coordination complex and sometimes slow. I was pleased to hear that just before we recorded this show, he had been at a recurring lunch meeting he has with two other agency heads.

The Comptroller also talks about the OCC's innovation initiative, which was one of the first set up by a US regulator. In a prior episode we talked about that program with former Comptroller Tom Curry, who established that unit.

Richard Teng is the CEO of the Financial Services Regulatory Authority (FSRA) of Abu Dhabi Global Market (ADGM), an award-winning International Financial Centre (IFC) in Abu Dhabi. Richard spearheaded the establishment of the financial regulations and financial centre, leading up to the successful launch of ADGM in October 2015.  He oversees the whole spectrum of financial services spanning the banking, insurance and capital market sectors with integrated prudential and conduct supervisory responsibilities. He also leads several innovative ecosystem initiatives and the development of financial services offerings in Abu Dhabi.  

We have the perfect show to kick off the new year and new decade in 2020. This is one of the most interesting conversations we've ever had, in our hundred-plus episodes of Barefoot Innovation.

My very special guest is Congressman Bill Foster, who represents the 11th District of Illinois. He is a member of the House of Representatives Committee on Financial Services, and was appointed by Committee Chair Maxine Waters to lead the special task force she set up to examine how artificial intelligence will transform finance.

And, maybe better yet, he is Congress' one and only PhD physicist (you'll enjoy hearing his list of credentials). As he explains in today's show, he went from working on theatrical stage lighting, to high energy particle physics, to politics -- in our talk, he shares the inspiring family story of what prompted him to enter public service.

I love talking with people who "cross the lines" -- who transcend the silos and straddle multiple realms of knowledge. Congressman Bill Foster, the scientist politician, is one of the most thoughtful and thought-provoking guests we've ever had on the show. I know you'll enjoy our conversation.

Lamine Zarrad is the co-founder and CEO of Joust. He began his entrepreneurial journey as a refugee, going on to serve in the U.S. Marines, and then building an expertise around banking regulations and financial services. With Joust, Lamine combines his passion for inclusion with his banking skills to create the nation's first, all-inclusive banking services app for freelancers, entrepreneurs, and the self-employed.

Today's show is a bonus episode, giving a glimpse of an important project that's underway. The Bill and Melinda Gates Foundation have funded an initiative to think through the future of central banks and how they will, and should, advance the goal of financial inclusion. To lead the work, the foundation selected two leading thinkers in the space. Michael Barr is the Dean of the Gerald R. Ford School of Public Policy at the University of Michigan. He was previously  Assistant Secretary of the Treasury for Financial Institutions, in addition to being a law professor (I'll link in the show notes to our earlier episode with him). Adrienne Harris is a professor at the Ford School and a former (give her old title in Obama White House). They have teamed up to undertake a deep reimagining of central banks, decades and even a half century out.

Today's guest leads one of the most important institutions in that movement. She is Greta Bull, a director of the World Bank and CEO of CGap, the Consultative Group to Assist the Poor.

In our conversation, Greta describes the progress and also the daunting work ahead. She talks about challenges in cyber-security. She talks about interoperability -- how to address fragmentation within and between markets, since digital finance is all about scale. She explains the role of e-commerce in driving change in various parts of the world. She talks about the potential role of big tech firms, their strengths in leveraging data, and the challenge of working with financial systems that have an analog-to-digital interface. She talks about the need to help people become financially resilient, so that they can weather shocks without falling so far backwards that they can't recover. She explains where we are in solving the gender gap in financial access, which continues to be very high.

Financial crime is surging. Hear Sardine CEO Soups Ranjan discuss AI-driven scams, deepfakes vs. KYC, and why traditional fraud controls fail. Listen and learn how to fight back.

Watch this episode as a video here and check out the full show notes here. 

Today's show zeroes in on the most foundational question facing us all, not only in financial innovation but in our whole new world of ubiquitous data. That challenge is, how can we gain the benefits of this huge new universe of digital information, and at the same time, prevent it from hurting us. My very thoughtful guest on this dilemma is Vinny Lingham, CEO of Civic Technologies.

Vinny's story is fascinating. A star on Shark Tank South Africa, he immigrated from that country to Silicon Valley about a decade ago. In the US he founded and built successful startups in the payments space, and then launched Civic to develop blockchain solutions for the burgeoning problem of online identity fraud. That effort brought him to focus on new technologies for identity verification, such as zero-knowledge proof. It also brought him to a philosophy about identity and personal data, which is that we need a decentralized system in which our data is controlled not by governments or companies, but by us.

I think this is my all-time favorite episode of Barefoot Innovation.

We have two guests. Nick Cook has been on the show twice before in his former role as head of regtech at the UK Financial Conduct Authority. He now leads the FCA's newly-created division-level unit on innovation. I believe this model is unique in the world-- a financial regulatory agency establishing a high-level unit that, when staffed out, will have 200 people. Reporting to Nick are two groups. One is the group called Innovate, which includes the FCA's famous regulatory sandbox. The second is the group on regtech and advanced analytics that Nick used to head, himself.

And my second guest is his successor in leading that regtech group -- Francesca Hopwood Road.

If you're interested in regulatory innovation, today's show may be the single most valuable source you can find on how to do it. Every minute is packed with both fresh information and rare insight about how regulators, themselves, will have to change to keep pace with changing technology.

Today's show is amazing on two levels. First, my guests, Ida Rademacher and Jamie Kalamarides, explain new frontiers of thinking about how financial services, including insurance and retirement funds, can promote real financial health and inclusion.

And second, the whole conversation is permeated by a critical theme, an insight that needs to be elevated from the background to the foreground in every discussion of how to do better for financial consumers. That second theme is that we are going to have to break down the walls -- dismantle the siloes, get rid of the boxes, make connections, graft together hybrids -- across the ecosystem of both finance, technology and regulation. 

Listening to these experts talk, you can almost see our current world -- labor markets, financial markets, the economy, consumer behaviors -- transforming out from under the rigid structures we now use to organize our industries and regulatory regimes. For decades, we've had slow-changing financial products that we regulate through a slow-changing (and ever-growing) set of laws and regulations. We have distinct legal and regulatory frameworks for banking and investment and insurance. We have old definitions of products, each subject to specific rules on how they should be designed and offered. Suddenly, today, many of these old structures are becoming obsolete. And, increasingly, we can see that many of them are actually standing in the way of better solutions for consumers.

This is the second time I've sat down with Karen Mills for a conversation on Barefoot Innovation. Karen is a Senior Fellow at both the Harvard Business School and Harvard Kennedy School (where I got to know her), and previously was the head of the US Small Business Administration. She is also probably the foremost expert, and most eloquent voice, anywhere, on using technology to strengthen small business.

We got together, on a very rainy day on the Harvard campus, shortly after Karen published her newest book, Fintech, Small Business, and the American Dream. It's the most definitive and thought-provoking work I have seen on today's historic opportunity to develop a vastly better financial world for small businesses. Karen believes, as do I, that we are at a transformative moment. 

In our conversation, Rob and Kathryn tell their story, on how they've built a company that has extended $6 billion in credit to 165,000 people in the United States. They explain how they started with e-commerce companies and now service all small businesses.  They describe their gradual realization that their loans can help these businesses manage cash flow -- a critical need. And they share their thinking on the regulatory challenges ahead for the space, including the risk that new regulation will stifle innovation.

My guest is the one-and-only Chris Skinner. Chris, the CEO of the Finanser, began writing a daily blog in 2007. Every single day since then, for twelve solid years, he has written a blog post. It's said that journalism is the first draft of history. Chris has written that daily first draft of the history of fintech, almost from the start. He's the bard, or minstrel, or troubadour of fintech, telling its story as it has unfolded in real-time, day by day, with all its twists and turns and surprises. He's been the one seeing the patterns and understanding what's happening and what is likely to come next.

He's based in London, which means that for me (I'm usually in Washington DC) that his daily missive comes with my morning cup of coffee. I read it and, most likely, I tweet it. I have a great deal of company in this: Chris has nearly 50 million followers on Twitter.

Chris and I recorded this conversation last spring during the Innovate Finance Global Summit in London (one of my favorite conferences in the world). We found a reasonably quiet corner of the bustling speakers' lounge in one of the old Guildhall buildings and talked about the future of banking.

My new nonprofit, the Alliance for Innovative Regulation, or AIR (about which you'll soon hear much more), collaborated with the UK's Financial Conduct Authority to run the first-ever US regulatory "Tech Sprint." A tech sprint is a hackathon. It puts subject matter experts together with software developers, lets them form themselves into teams, and has them work side by side -- sometimes day and night -- trying to solve concrete regulatory challenges. By the end of the sprint, typically a few days later, you don't merely have a report or a memo or a working group. You have computer code. A start on a practical, working solution.

I'm calling today's show "agile regulation." I know that sounds like an oxymoron, but today, agile regulation is actually on its way.

Financial regulators all over the world are realizing that they will have to update their tools, digitize their information and, above all, speed up, to keep pace with the exponential rate of technology change in the industry they regulate. In the United States, the leading voice in this new vision has been our guest today -- the Chairman of the Commodity Futures Trading Commission, Christopher Giancarlo. This is the second time we have had Chairman Giancarlo with us, and we are posting this one right before he leaves office.

We know that the money launderers are winning. We know that law enforcement is losing. By now, you've probably heard the UN's statistics on this, that we catch less than 1% of these crimes, which add up to an estimated $1.6 trillion a year. At the heart of this problem is asymmetrical technology. The bad guys have sophisticated, networked, rapidly improving technologies, and the good guys are stuck in the past.

There are some challenges in fintech and regtech that transcend the others -- problems that have to be solved in order to "unstick" numerous other kinds of exciting innovation. Of these core enabling solutions, none is more important than digital identity.

A few months ago I sat down with one of the people leading the work in this field. David Shrier is founder and CEO of Distilled Identity, an AI biometric software company that helps financial institutions and governments build better identity profiles. David is also affiliated with Oxford University and the MIT Media Lab.

In this episode, Jo Ann explores the potential for rapid change in financial regulation in 2025, likening it to other historical periods of sudden change. She argues that the convergence of six factors could lead to the emergence of "Regulation 2.0," a new paradigm of financial regulation enabled by technology.

Our conversations on Barefoot Innovation always grapple with the regulatory challenges arising as technology transforms finance. Most of our guests have good ideas about this, but very few are in a position to make things happen. Today's guest is different.

He is Craig Phillips, who is the Counselor to the US Secretary of the Treasury, Steven Mnunchin. The Counselor role spans everything from fiscal operations to America's debt management, but for our audience he is best-known for leading the office that issued last year's landmark Treasury report on fintech.

Bill Gates famously said, "We always overestimate the change that will occur in the next two years and underestimate the change that will occur in the next ten. Don't let yourself be lulled into inaction."

That gets quoted often these days, because it so well captures the times we live in.

In that vein, it was a special pleasure to be invited recently to a roundtable aimed at envisioning the financial system of 2030. The event was the second in a series hosted by Prince Michael of Liechtenstein, a three day conversation with incredibly thoughtful people drawn from banks, fintech companies, cryptocurrency, global NGOs, technologists, and regulators, from all over the world. It was organized by Dr. Thomas Puschmann, Director of the Swiss FinTech Innovation Lab at the University of Zurich.

If you're ready for a breath of fresh air, today's show is for you. It's fun, it's fascinating, and it's filled to the brim with ideas that many of us haven't heard before.

NBKC bank is a community bank that thinks and acts like a start-up company.  My guests are its CEO, Brian Unruh, and Zach Pettet, who is the bank's Fintech Strategist and who heads its Fountain City Fintech affiliate, which is the first "partnership accelerator" run by a community bank.