Michael Beird

The digital banking landscape is set to evolve dramatically in 2025, ushering in innovations that redefine customer experiences and banking operations. With the rapid integration of artificial intelligence, embedded finance, and decentralized technologies, the once-traditional banking industry is embracing a…

Effective communication in banking is not just about conveying information—it’s about building trust, delivering clarity, and fostering strong relationships with clients and colleagues. In an industry driven by financial accuracy and professional relationships, the ability to communicate effectively can significantly…

The recent overturning of Chevron deference marks a seismic shift in how federal agencies create and enforce regulations. For decades, the Chevron doctrine has been a cornerstone of administrative law, giving deference to agency interpretations of ambiguous statutes. Its reversal…

A credit policy is a cornerstone document for any institution extending credit. For professional bankers, it serves as both a guide and a safeguard, balancing the dual objectives of mitigating risk and fostering client relationships. A well-defined credit policy isn’t…

In the intricate world of secured transactions, understanding the nuances of Uniform Commercial Code (UCC) filings is essential for banking professionals. These filings play a pivotal role in establishing and maintaining security interests, ensuring lenders have a legal claim to…

Crafting a professional business email is an essential skill for any banker. In a field that values precision, discretion, and prompt communication, every email you send reflects not just your personal professionalism but also the reputation of your institution. A…

With businesses facing an ever-evolving financial landscape, managing cash effectively is critical for success. Treasury management services help businesses optimize cash flow, manage liquidity, and mitigate risks. Banking professionals who understand these services can guide clients toward more strategic financial…

Understanding the fine print in financial transactions can be challenging, especially when it involves opening a deposit account with a financial institution. To help consumers grasp essential details about interest rates, fees, and account terms, the Truth in Savings Act…

KYC, or “Know Your Customer,” is a foundational practice in banking that plays a critical role in safeguarding financial systems and enhancing customer trust. At its core, KYC is a regulatory and procedural process that requires banks and financial institutions…

Payment fraud is one of the most pressing concerns for financial institutions and banking professionals today. Criminals continually evolve their tactics, making it difficult to stay ahead of new threats. Fraudulent activities can result in significant financial losses, damage to…