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The 3 Questions Every Board Asks Their CISO and How MDR Built for Banking Answers Them

Risk Management

The 3 Questions Every Board Asks Their CISO and How MDR Built for Banking Answers Them

Boards demand clarity on security, proof and risk. Learn how banking-specific MDR delivers the metrics, evidence and insight CISOs need to lead with confidence. The Boardroom Pressure Test Every chief information security officer (CISO) in banking knows the drill. You spend months strengthening defenses, fine-tuning alerts and preparing

Beyond Compliance: Why Record Retention Matters

Risk Management

Beyond Compliance: Why Record Retention Matters

It’s true that audits are more complex than ever and security threats lurk around every corner. But did you ever consider that the antidote to these risks is one thing you probably give the least amount of thought to? I’m talking about record retention, and why its importance

A Balance Sheet Snapshot: What 2025’s Final Quarter Trends Signal for 2026

Money Management

A Balance Sheet Snapshot: What 2025’s Final Quarter Trends Signal for 2026

As we close out 2025 and look ahead to the opportunities in 2026, I thought it would be helpful to reflect on recent balance sheet trends. The current market environment has prompted notable shifts across most credit unions. Overall, loan generation has been lower than the levels seen in the

Vizo Financial Webinars: Answers to Your Frequently Asked Questions

Vizo Financial Webinars: Answers to Your Frequently Asked Questions

With a myriad of no-cost webinars, 80+ CPE credits awarded annually and more than 1,800 views to our on-demand recordings, it’s no secret that Vizo Financial is known for our credit union education. It’s also no surprise, then, that you may have some questions when

Do SBA Variable Rate Pools Make Sense for Your Credit Union?

Money Management

Do SBA Variable Rate Pools Make Sense for Your Credit Union?

When rates are high and you’re looking to lock in yield, fixed rate investments are generally the way to go, especially when rates are expected to fall. This has been the case since the end of 2023, and credit unions have been adding fixed rate investments ever since. Many

No Time, No Problem: Consistency Keeps Training on Track!

Leadership & Culture

No Time, No Problem: Consistency Keeps Training on Track!

In today’s demanding environment, training can often feel like a luxury. Between limited staff, regulatory demands, service goals and ever-changing member needs, leaders are stretched thin. Yet, training and education are the foundation for member satisfaction, compliance and employee confidence and engagement. Well, I have good news to

Exploring the Evolution and Future of Card Payments

Exploring the Evolution and Future of Card Payments

As technology has been rapidly advancing over the past two decades, so have the functionalities and capabilities of card payments. The days of swiping plastic at the register are mostly behind us, and the rise of newer methods like contactless payments, digital wallets and embedded payments have quickly become standard

CASE STUDY: Duke University FCU Sees Increased Member Participation & Growth Using Vertice AI Data-Driven Insights

Innovation & Technology

CASE STUDY: Duke University FCU Sees Increased Member Participation & Growth Using Vertice AI Data-Driven Insights

It’s no secret that the financial industry is becoming increasingly competitive, especially with the rise of digital banking and other nontraditional providers. To personalize member engagement and offer the products and services today’s consumers expect, Duke University Federal Credit Union (Durham, N.C., $194 million) knew it had

Diversity & Representation: Unmasking the True Spirit of Inclusion

Employee Experience

Diversity & Representation: Unmasking the True Spirit of Inclusion

Spooky season is upon us, which means there is no better time to take a look at the shadow lurking beneath the surface of diversity, equity and inclusion within our organizations. While we’ve made great strides toward incorporating DEI practices within our credit unions and take pride in celebrating

Preventing Payments Fraud with a Multi-Defense Strategy

Risk Management

Preventing Payments Fraud with a Multi-Defense Strategy

In our fast-paced digital world, payments fraud has become a ubiquitous component of everyday business operations. In fact, 79 percent of organizations have experienced fraud attempts, according to Truist’s 2025 AFP survey. It’s an unfortunate reality, and while it may seem like an insurmountable challenge, there are

Global Values, Local Roots: Celebrating the Cooperative Impact of Credit Unions

Credit Union Movement

Global Values, Local Roots: Celebrating the Cooperative Impact of Credit Unions

Small things can make the biggest difference. As part of the credit union movement, we’ve known this for a long time. Credit unions are rooted in the heart of our communities, but our impact is known around the world. And in October, we take special care to highlight that

Scary Movies Aren’t the Only Spooky On-Screen Showings…Beware of Cyber Hackers!

Risk Management

Scary Movies Aren’t the Only Spooky On-Screen Showings…Beware of Cyber Hackers!

October is the best time of year to watch frightening films and see spooky stories unfold. However, no matter how thrilling and realistic these movies can be, they are fictional. So, before you grab popcorn and press play, let’s first address some of the true threats that do exist

The Disciplines of a Growth-Optimized Credit Union: Sustaining Relevance, Engagement and Efficiency

Innovation & Technology

The Disciplines of a Growth-Optimized Credit Union: Sustaining Relevance, Engagement and Efficiency

Credit unions are different. We see our members as people, not profit centers. It’s a noble distinction, and one that sets us apart from other financial institutions. This altruistic truth, though, doesn’t remove the responsibility to ensure that, while we deliver on the credit union promise of “people

John Wooden's Pyramid of Success Hinges on Playing to Our Strengths

Leadership & Culture

John Wooden's Pyramid of Success Hinges on Playing to Our Strengths

If you’ve ever watched the Apple TV mega-hit series, Ted Lasso, you’ve likely seen John Wooden’s Pyramid of Success hanging in Ted’s AFC Richmond office. Interestingly, Jason Sudeikis, who co-wrote the show and plays the character Ted Lasso, was heavily influenced by his basketball

Preparing for Fall (And a Falling Rate Environment)

Preparing for Fall (And a Falling Rate Environment)

For many people, autumn is an enjoyable time of transition. I look forward to a lot of familiar facets of fall, like the cooler weather, the start of football season, major league baseball post-season and the kids returning to school, to name a few. But as the new season

The Fed's Dilemma

Money Management

The Fed's Dilemma

For anyone who follows economic or political news, the Federal Reserve and Fed Chair Jerome Powell have been in the headlines a lot more than any time in recent memory. After cutting rates by 100 basis points in 2024, the Federal Reserve has kept rates steady so far this year.

The Invisible Side of DEI

Employee Experience

The Invisible Side of DEI

What comes to mind when you think of DEI? Is it race and culture, age and gender? Of course, it’s all of those things…but it’s also so much more. The truth is that diversity, equity and inclusion has a visible side, where all the things we mentioned

Cyber Resilience & Business Continuity – A Powerful Pair in Risk Management

Risk Management

Cyber Resilience & Business Continuity – A Powerful Pair in Risk Management

Think of some of the most iconic duos in history, like Batman & Robin, Snoopy & Woodstock or Doc Brown & Marty McFly. Certainly, these characters are memorable on their own, but it’s hard to imagine one without the other, right? Just like these beloved fictional characters, there are

The 8 Cooperative Principles: Vizo Financial Style

Credit Union Movement

The 8 Cooperative Principles: Vizo Financial Style

“Let it never be forgotten that a credit union is, above all else, an association of people, not of dollars.” Those are the infamous words of Alphonse Desjardins, a forefather of the credit union movement. It’s a quote that I’m not sure anybody in this industry could forget,

States Are Stepping Up: What Escalating Enforcement Means for Lenders

Risk Management

States Are Stepping Up: What Escalating Enforcement Means for Lenders

As federal enforcement has slowed, states aren’t just filling the void — they’re redefining it. Attorney General Andrea Joy Campbell of Massachusetts recently made that clear with a $2.5 million settlement against Earnest, a student and personal loan provider, for fair lending violations tied to artificial intelligence-driven

Next-Gen Threats: How Cybercriminals Are Exploiting AI

Risk Management

Next-Gen Threats: How Cybercriminals Are Exploiting AI

Generative AI is rapidly reshaping the cybercrime landscape, enabling threat actors to launch faster, more convincing, and highly scalable attacks. As defenders explore AI for productivity and automation, cybercriminals are exploiting the same tools to streamline fraud, malware development, phishing, and vulnerability exploitation. Cybercriminals are refining illicit large language models

Managing Vendors in the Age of AI

Risk Management

Managing Vendors in the Age of AI

Artificial intelligence is no longer just a buzzword…it’s a revolutionary advancement that’s hard to ignore. It’s a varied and intuitive technology that promises progress, analytics and efficiencies that organizations – credit unions included – can utilize to stay competitive in the fast-paced modern world while also streamlining

Banding Together on #ILoveMyCreditUnion Day!

Credit Union Movement

Banding Together on #ILoveMyCreditUnion Day!

In the same way that an orchestra performs a symphony, or a choir sings a melody, credit unions are advocates within our communities, finding harmony and rhythm in the ways we serve others. And while we don’t often seek out recognition and harp on our successes, next week, we’

The Indisputable Power of Words: Thoughtful Ways to Inspire Your Team

Leadership & Culture

The Indisputable Power of Words: Thoughtful Ways to Inspire Your Team

You’re hired. You’re fired! Will you marry me? We need to talk. Words are our most powerful currency, with the capacity to inspire or deflate, clarify or confuse and even unite or divide us. Once we’ve spoken the words, they can’t be taken back, creating an

The ACH Backup Plan Your Credit Union Needs

The ACH Backup Plan Your Credit Union Needs

It’s not official yet, but we’re just waiting for Merriam Webster to deem “uncertainty” as the word of the year for 2025. We’re not surprised by any means, but it’s certainly (ironic, huh?) wearing out its welcome these days. Instead of resisting the word, though, why