Banking Transformed with Jim Marous
323 episodes - English - Latest episode: 15 days ago - ★★★★★ - 75 ratingsAre you prepared to embrace change, take risks and disrupt yourself in response to the digital disruption in banking? If not, this podcast is for you. Hosted by top 5 banking and fintech influencer, Jim Marous, Banking Transformed highlights the leadership and cultural challenges facing the banking industry. Featuring interviews with some of the top minds in business, this podcast explores how financial institutions can prepare for the future of banking.
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Episodes
Alkami Unveils Game-Changing Digital Maturity Assessment Tool for Financial Institutions
April 09, 2024 12:40 - 52 minutesIn an era where digital transformation is reshaping the financial services landscape, Alkami Technology, Inc. has taken a bold step forward with the launch of their Digital Sales & Service Maturity Model Assessment. This groundbreaking tool empowers banks and credit unions to evaluate their digital maturity and provides actionable insights to navigate their digital journey. Today, we have the pleasure of chatting with Allison Cerra, Chief Marketing Officer at Alkami and Casey Hogarth, Senior ...
How Community Banks Can Win the Business Banking Battle
March 26, 2024 09:00 - 45 minutesToday, we're diving deep into the world of business banking on the Banking Transformed Podcast. As the landscape of commercial banking continues to evolve, it's crucial for financial institutions to stay ahead of the curve and adapt to the changing needs and expectations of their business clients. Joining me for this insightful discussion are Jacob Leick, Director of Product Management at Alkami Technology and Mandy Lopez, Lead Product Manager at Alkami. We explore the importance of building ...
Generative AI Use Cases and Adoption Patterns in Banking
March 19, 2024 09:00 - 46 minutesIn today's episode of the Banking Transformed Podcast, we are joined by Daragh Morrissey, the Director of AI at Microsoft Worldwide Financial Services, joining us to discuss the exciting world of generative AI and its potential applications in banking. We delve into various use cases and adoption patterns, including internal organizational applications, enhancing customer experiences, and the development of new product offerings made possible by this new technology. Daragh provides a roadmap ...
Key Leadership Trends to Embrace NOW
March 12, 2024 09:00 - 51 minutesIn today's episode of the Banking Transformed podcast, we are revisited by Jacob Morgan, four-time best-selling author and renowned leadership futurist. Jacob has worked with and interviewed hundreds of top business leaders around the globe to uncover the most critical leadership trends shaping the future of work. Jacob shares his groundbreaking research on the top 7 leadership trends for 2024 and how they will impact the banking industry. Jacob reveals actionable strategies to help you and y...
Demystifying Pricing of Banking Services
March 05, 2024 10:00 - 46 minutesI’m thrilled to welcome Melina Palmer to the Banking Transformed podcast. Melina is the CEO of The Brainy Business and author of the new book “The Truth About Pricing: How To Apply Behavioral Economics So Customers Buy.” Understanding customer psychology to optimize pricing strategy is more important than ever. Melina shares her unique perspective on incorporating behavioral economics into banking to create positive outcomes for institutions and account holders alike. We discuss common mistak...
Hacking Attention: Mastering Social Selling in Banking
February 27, 2024 10:00 - 40 minutesI’m delighted to have Dr. Robin Kiera, financial services marketing expert and author of the new book, Attention Hacking: The Power of Social Media Selling in Insurance and Finance, on the Banking Transformed podcast. Robin discusses how social media isn't just for consumer goods but can be a powerful tool for financial products as well. Robin also shares insights from his book on how to make financial products go viral, the importance of becoming an influencer in your market, and why traditi...
Unlocking Growth by Tearing Down Data Silos
February 22, 2024 10:00 - 43 minutesI'm excited to have Kim Snyder, CEO and Founder of KlariVis, on the Banking Transformed podcast. Kim brings over a decade of financial leadership experience to KlariVis, with a goal to create a leading-edge, easy to use, transformational data analytics solution that enables community financial institutions to compete with the large mega-banks. We discuss how KlariVis compiles data across disparate bank systems into unified dashboards, giving financial institutions actionable insights to drive...
Building Financial Wellness Strengthens Relationships
February 20, 2024 10:00 - 40 minutesI’m thrilled to have Rochelle Gorey, founder and CEO of fintech startup Springfour, and Anuj Vohra, Head of North American Collections at BMO Financial Group on the Banking Transformed podcast. We’ll be exploring BMO’s partnership with Springfour to move beyond transactions and debt collection by linking customers with financial resources. This innovative collaboration aims to show empathy, build loyalty, and strengthen financial health, making banking truly work better for consumers through ...
Decoding the Digital Banking Trends of 2024
February 13, 2024 10:00 - 43 minutesToday, we're thrilled to have Michael Abbott, Senior Managing Director – Global Banking Lead at Accenture on the Banking Transformed podcast. On this episode, we explore the top banking trends for 2024, diving into a world where AI, cloud computing, and new regulatory landscapes are redefining the banking industry. We discuss the need for banks to adapt to changing customer expectations and the growing importance of sustainable banking practices. We also highlight the need for speed, emphasiz...
Mike Walsh: GenAI Will Unlock the Potential of Human Intelligence
February 06, 2024 10:00 - 55 minutesI’m thrilled to have global futurist Mike Walsh back on the Banking Transformed podcast. Mike's expertise in AI-powered organizations and his vision for the Fifth Industrial Revolution offers invaluable insights for businesses navigating the rapidly evolving landscape of technology. In this episode, we explore how generative AI is reshaping the future of work, the delicate balance between humans and machines, and the transformative potential of AI as the foundation of modern businesses. The f...
Beyond Phantom Growth: Building Real Relationships
February 01, 2024 18:16 - 37 minutesI'm thrilled to welcome back Gabe Krajicek, CEO of financial solutions provider Kasasa on the Banking Transformed podcast. Gabe joins us to discuss the challenges community institutions must address today and how strategic products and marketing support can drive long-term relationship-based growth. Gabe provides compelling case studies demonstrating Kasasa's impact on community banking. He stresses the importance of distinguishing between real growth and transient gains, offering strategic a...
Platform Strategies Fuel Innovation and Growth in Banking
January 30, 2024 10:00 - 42 minutesTo stay competitive, banks and credit unions must evaluate the viability of platform strategies that can provide superior customer experiences, tap into network effects, and leverage data and AI for strategic differentiation. Our guest on the Banking Transformed podcast wrote the playbook for winning in the platform economy. Senior Prophet Partner, Ted Moser, explores pragmatic steps banks can take to compete in the platform economy, offering examples of creative platform models used by indus...
Lessons in Digital Dexterity from Travis Credit Union
January 23, 2024 10:00 - 42 minutesI'm excited to have Grant Karsas, VP of Digital Experience at Travis Credit Union, on the Banking Transformed podcast. Grant oversees the member-facing digital channels at Travis CU, one of the largest credit unions in California with nearly $5 billion in assets and more than 245,000 members. Grant shares insights into how Travis CU leverages modern technologies to deepen member relationships through personalized experiences, earning the credit union industry awards for excellence. We also di...
The Increasing Importance of Data Resilience
January 18, 2024 10:00 - 44 minutesHow prepared is your organization to move forward without fear in the face of ransomware, cyberthreats, ongoing digital transformation, and hybrid cloud adoption? More importantly, if your organization is disrupted, how fast can you recover and move ahead confidently? To navigate these complex waters, we're joined on the Banking Transformed podcast by Rick Vanover is Senior Director of Product Strategy at Veeam. Veeam is at the forefront of providing cutting-edge solutions for data protection...
Future of Community Banking with Rebeca Romero Rainey of ICBA
January 16, 2024 10:00 - 38 minutesWe're honored to host Rebeca Romero Rainey, President and CEO of the Independent Community Bankers of America (ICBA) on the Banking Transformed podcast. ICBA serves as the leading voice promoting the interests of over 5,000 community banks which constitute the vast majority of all banks in the country. In this episode, we'll uncover the current dynamics of the community bank ecosystem, confront the challenges these institutions face, and explore the opportunities that lie ahead. We also discu...
Profiles in Leadership | Megan (Caywood) Cooper
January 02, 2024 10:00 - 46 minutesI’m so pleased to welcome Megan (Caywood) Cooper, newly appointed Chief Product Officer at ClearBank, to the Banking Transformed podcast. Boasting experience across startups, big banks, and platforms, Megan provides a unique insider lens, having helped disrupt finance firms of all sizes from the inside out. We’ll hear about her professional journey and the difference between fostering innovation at industry stalwarts versus scrappier upstarts. Megan will also share her wisdom around the ongoi...
Adapting for 2024 Banking Success
December 26, 2023 10:00 - 43 minutesI'm excited to welcome Pål Krogdahl, Director of Technology Strategy and Advisory Services at Samlink, to the Banking Transformed podcast. Pål recently co-authored an insightful report titled "Banking Outlook: Navigating the Transformative Trends in Banking," providing an in-depth look at the key forces reshaping the industry. From economic conditions to emerging technologies, competitive dynamics to customer behaviors, this report explores the most pivotal trends on the horizon for 2024. Wit...
Inside Story: Ally & Microsoft Groundbreaking AI Collaboration
December 19, 2023 10:00 - 55 minutesThe launch of Ally’s self-built AI platform Ally.ai in collaboration with Microsoft represents a measured yet trailblazing foray into next-gen technologies for banking. Rather than reacting to hype, Ally has taken a principled approach focused on productivity, security, scalability and an improved customer experience. Ally’s emphasis on co-piloting change also signals the value of strategic partnerships between banks and tech players in steering AI’s responsible adoption, providing a blueprin...
How Emerging Tech, Data and AI are Reinventing Bank Marketing
November 28, 2023 10:00 - 48 minutesAllison Cerra, Chief Marketing Officer at Alkami Technologies joins me on the Banking Transformed podcast. Allison has seen marketing evolve tremendously over her career and is an expert on harnessing insights to fuel marketing campaigns and optimize return on investment. But, it's not just about big data; it's about the right data — transforming information into actionable strategies that drive customer engagement, loyalty and trust. Allison and I explore how banks can leverage analytics to ...
Predicting the Unpredictable: Banking's Next Decade
November 21, 2023 10:00 - 54 minutesAs we stand on the brink of 2024, it is important to unravel the seismic shifts poised to redefine the industry over the next year and beyond. Digital disruption, shifting consumer behaviors, emerging technologies and evolving regulations are combining to reshape the industry at dizzying speed. I’m joined on the Banking Transformed podcast by Brett King, a trailblazer whose foresight has continually heralded the next wave of financial innovation. Together, we dissect the advancements and uphe...
The Future Normal: Navigating the Next Decade and Beyond
November 14, 2023 10:00 - 37 minutesToday on the Banking Transformed podcast, we dive into a discussion about the coming decade with none other than Rohit Bhargava, a trend curator and author of the compelling book, "The Future Normal." Rohit's insights challenge conventional wisdom and give us a thought-provoking glimpse into how society can evolve in the realms of living, thinking, and thriving at a time when change is happening faster than ever before. With his book providing a roadmap of the significant changes ahead, we ex...
How Generative AI is Changing the Face of Financial Services
November 09, 2023 10:00 - 42 minutesGenerative AI is pushing financial institutions to rethink how they work in exciting ways. Early adopters are already seeing the benefits. But, before financial institutions can reap the rewards, there are considerations and lessons to build on. Prime among them is a warning: the most dangerous thing about AI is assuming that it only delivers productivity. In this episode of Banking Transformed, we are joined by Anu Sachdeva, global solutions & service line leader for banking and capital mark...
Generative AI: Hit the Gas or Pump the Break?
October 31, 2023 09:00 - 43 minutesIn this episode of Banking Transformed, we delve into the world of generative AI with Ron Shevlin, Chief Research Officer at Cornerstone Advisors. As data continues to be the foundation of AI applications, we explore the potential of generative AI in financial services, as well as the practical realities and limitations financial institutions need to consider. Moreover, we touch on the competitive and regulatory landscape and how financial leaders can navigate it when adopting generative AI s...
Harnessing Trends to Build a Stronger Future
October 24, 2023 09:00 - 56 minutesJoining us on the Banking Transformed podcast is Rob Rubin, general manager of financial services at Insider Intelligence. In this interview, we unravel the latest developments in retail banking, including the intense competition for deposits amidst economic uncertainty, changes in digital marketing strategies, recent payment and lending innovations, the increasing role of trust, and the potential impact of generative AI. Rob provides perspectives on how banks can respond to these trends and ...
Building Deeper Relationships with Data-Driven Journeys
October 19, 2023 09:00 - 40 minutesToday, we welcome James White, general manager of banking at Total Expert, to the Banking Transformed podcast. In today's digital world, understanding customers and delivering personalized experiences have become critical capabilities for banks to drive growth. However, many institutions still struggle to gain a complete view of each customer and orchestrate relevant engagements across channels. Our discussion with James White explores how banks and credit unions can leverage customer intelli...
The Future of Payments is Now: How Banks Can Keep Pace
October 12, 2023 09:00 - 44 minutesIn this episode of Banking Transformed, we have the privilege of speaking with Jon Budd and Dr. Jorge Jimenez, the CEO and president of Juniper Payments (a PSCU Company). The guests provide valuable insights into the evolving payments landscape, discussing the challenges and opportunities surrounding payments modernization and offering advice to financial institution leaders looking to navigate these changes successfully. The episode also provides perspectives on the technologies and trends p...
Beyond the Hype: How Web3 Will Transform Banking
October 10, 2023 09:00 - 49 minutesJoining us on the Banking Transformed podcast is Alex Tapscott, co-founder of the Blockchain Research Institute and author of the highly anticipated book, 'Web3: Charting the Internet’s Next Economic and Cultural Frontier’. In this interview, we explore the world of Web3 and discuss how Web3 differs from today's internet, what components are real versus hype, where this technology may be headed next, and its potential impacts on banking and financial services. Alex also discusses high-impact ...
Optimizing Consumer Journeys with Data, Technology and AI
October 05, 2023 09:00 - 48 minutesIn today's digital era, consumer expectations for personalized and seamless experiences are higher than ever. For banks, optimizing engagement to drive loyalty and satisfaction presents both challenges and opportunities. To explore how banks can leverage data, analytics and technology to better understand and serve customers, we're joined by Devesh Khare, CPO at MeridianLink on the Banking Transformed podcast. We discuss how banks must reinvent consumer engagement to be future-ready. By lever...
SavvyMoney CEO Explores the Future of Credit Engagement
October 03, 2023 09:00 - 51 minutesJB Orecchia, president and CEO of SavvyMoney, joins me today on the Banking Transformed podcast. SavvyMoney is a leading provider of personalized credit education, scores, reports and monitoring solutions. JB has over 35 years of experience driving innovation in financial services with deep expertise in credit, data and technology. In this episode, we explore SavvyMoney's product roadmap, the convergence of credit education and personalization, the vital role of data, insight, and technology ...
Building a Human-Centric Workplace Model for the Future
September 28, 2023 09:00 - 46 minutesAccording to our Banking Transformed podcast guest, Alexia Cambon, senior director of research at Microsoft, “There is no going back to the way we worked before. Flexibility is no longer seen as a perk by employees, but as a right.” Flexible working has produced a ‘crisis of trust’ and a ‘productivity paranoia’ in employers, but there needs to be a mindset shift and recognition that ‘performance does not equal presenteeism,’ states Cambon. The pandemic and the emergence of generative AI have ...
Navigating the Future of Hybrid Cloud in Finance
September 26, 2023 09:00 - 38 minutesIn this episode, the Banking Transformed podcast is at Sibos 2023 in Toronto, Ontario where we are joined by Judith Pinto and Prakash Pattni from IBM who are at the forefront of revolutionizing banking through hybrid cloud solutions. We explore how hybrid cloud can support complex banking workloads, foster innovation, and drive advanced technology strategies. We'll also delve into the crucial aspect of managing risk in hybrid cloud implementations within the banking sector. Whether you're a b...
Engaging Gen Z - Crafting a New Era of Digital Banking
September 19, 2023 09:00 - 43 minutesWith their unique preferences, behaviors, and technological fluency, Gen Z and younger consumers are reshaping the landscape of banking products, channels, and engagement strategies. With this in mind, how do banks connect with and build loyalty among the emerging Gen Z demographic. What technologies, products and messaging matters? Joining us on the Banking Transformed podcast is a true expert in the field, Brendan Coughlin, Vice Chairman and Head of Consumer Banking at Citizens. Brendan has...
Embedded Banking: The Imperative Transformation for Digital Success
September 14, 2023 09:00 - 40 minutesThe digital revolution is transforming banking as we know it. Consumers today want personalized, seamless financial services integrated into the platforms and apps they use daily. How can traditional banks adapt to this demand for "embedded finance"? On this episode, we explore the critical steps banks must take to embrace embedded banking and thrive in the platform economy. Our guest on the Banking Transformed podcast is Shanker Ramamurthy, Global Managing Partner Banking & Financial Markets...
Customer Success Principles to Improve Your Customer Effort Score (CES)
September 13, 2023 09:00 - 41 minutesIn today's competitive landscape, financial institutions must adopt a customer-centric culture focused on loyalty and lifetime value to thrive. My guest on the Banking Transformed podcastis Wayne McCulloch, Chief Customer Officer at Alkami Technology. Wayne lays out a proven framework for organizations to become truly customer-obsessed. As the author of the best-selling book, “The Seven Pillars of Customer Success”, Wayne brings deep expertise on embedding customer-first approaches across an ...
Leadership Journey: From Legacy Bank to Fintech Foundry
September 12, 2023 09:00 - 47 minutesI'm joined on the Banking Transformed podcast by Rakefet Russak-Aminoach, a trailblazer in digital banking innovation. Rakefet led the transformation of Bank Leumi into Israel's most profitable and forward-thinking bank before becoming a managing partner at Team8, a fintech foundry. We explore her transition from traditional bank to Team8 and delve into the unique foundry model that drives its mission of innovation and growth. Rakefet sheds light on the strategies that enable fintech firms to...
How Generative AI Will Revolutionize Financial Services
September 06, 2023 09:00 - 34 minutesGenerative AI is poised to revolutionize the financial services industry. According to new research from IBM, the market for generative AI in finance is projected to reach $9.5 billion globally by 2032. This disruptive technology has the potential to transform customer experiences, empower employees, and rapidly modernize legacy systems. As we gear up for Sibos 2023, we’re joined by John Duigenan, General Manager, Financial Services and IBM Distinguished Engineer, IBM Technology on the Bankin...
Composable Solutions Enables Scaleable Digital Evolution
September 05, 2023 09:00 - 43 minutesOn today’s Banking Transformed podcast, I'm thrilled to be joined by Brandon McGee, Chief Digital Strategy Officer at A+ Federal Credit Union, who is spearheading their ambitious efforts to reimagine members' digital experiences. Brandon has a 30-year legacy in banking and technology, having spent time at both large and small financial institutions as well as working at Dell and Facebook. With leadership committed to being future-ready, A+ FCU has made tremendous strides in digital innovation...
The Security Imperative of Banking Transformation
August 31, 2023 14:27 - 46 minutesFrom the complexities of legacy infrastructure to the nuances of modern app development and the ever-evolving threat landscape, banking is faced with balancing performance, speed and security. Join us in this episode of the Banking Transformed podcast as we sit down with Michael Wiley, VP and CTO of F5, to explore the multifaceted world of banking cybersecurity within the context of digital transformation. Wiley's expertise offers practical guidance for all banking executives seeking to strik...
Community Financial Institutions: Going Beyond Being Friendly
August 29, 2023 09:00 - 57 minutesCommunity banks, deeply rooted in their local domains, have played a pivotal role in supporting the financial needs of individuals, small businesses, and local economies. But the digitalization of the industry has altered the playing field. Looking forward, what are the unique advantages local financial institutions can bring to the table beyond ‘being friendly’? What are the challenges they face in competing with larger marketplace leaders? And what are the strategies management must adopt t...
Retail Banking Mid-Year Assessment: Jobs to be Done
August 22, 2023 09:00 - 47 minutesWe’re at the midpoint of 2023, making this the perfect time to take stock of the major trends shaping retail banking globally and look ahead to the future. A multitude of events this year have altered the industry's trajectory, influenced consumer behavior, and prompted financial institutions to reassess their business models and go-to-market strategies. The question is which events will have a lasting effect and what jobs need to be done to become more future-ready? I am excited to have Davi...
The Strategic Advantage of AI Maturity in Banking
August 15, 2023 09:00 - 53 minutesAs artificial intelligence (AI) continues to advance and reshape banking, achieving a high level of AI maturity becomes crucial for financial institutions to remain competitive and relevant in the modern landscape. But what determines an organization’s AI maturity. Evident has just published an extensive study on AI innovation and maturity across major banks. Their research analyzed 60 of the largest banks in North America and Europe to understand how banks are positioning themselves for an A...
The Promise and Peril of ChatGPT in Banking Part 2
August 08, 2023 09:00 - 35 minutesThis is the second part of a two-part in-depth Banking Transformed podcast interview on generative AI and ChatGPT in banking with Brian Roemmele, President of Multiplex. With the rise of generative AI (ChatGPT) and its increasing impact on various sectors, including banking, it's crucial to examine how these advancements are transforming the landscape, both for better and for worse. From exploring the impact of generative AI on customer experience and engagement to discussing the ethical cons...
The Promise and Peril of ChatGPT in Banking Part 1
August 01, 2023 09:00 - 45 minutesWith the rise of generative AI (ChatGPT) and its increasing impact on various sectors, including banking, it's crucial to examine how these advancements are transforming the landscape, both for better and for worse. From exploring the impact of generative AI on customer experience and engagement to discussing the ethical considerations and regulatory challenges, it is more important than ever to understand the transformative power of AI in banking. My guest for part one of this important Bank...
The Future of Fintechs in Disrupted Times
July 25, 2023 09:00 - 48 minutesFintech firms are currently facing a series of challenges stemming from a variety of factors, including dropping venture capital (VC) funding, the failure of Silicon Valley Bank and the uncertain economic climate. Collaboration and partnerships within the fintech ecosystem and with traditional financial institutions may become even more crucial as fintech firms reassess business models and try to build greater resilience. My guest on the Banking Transformed podcast is Jeff Tijssen, Expert Par...
Building Personalized Engagement Across Customer Lifecycles
July 20, 2023 09:00 - 53 minutesAdvancements in digital banking technologies, like mobile apps, chatbots and digital wallets allow banks to provide always-on, personalized experiences across the entire customer journey. Done well, financial institutions can increase early engagement and activation speed, reduce contact outreach and increase revenues. Despite these advancements, challenges remain. Regulatory constraints, data privacy concerns, and technical complexities pose hurdles in fully realizing the potential of person...
Strategic Priorities of Today’s Banks and Credit Unions
July 18, 2023 09:00 - 53 minutes2023 has presented many challenges for financial institutions. Record-breaking inflation, rapidly rising interest rates, reduced loan demand, and declining deposits have created a level of uncertainty not experienced for decades. These changes have disrupted status-quo assumptions while presenting amazing opportunities for financial institutions willing to reinvent legacy business models. I am excited to have Gregg R. Tewksbury, president and CEO at New Hampshire Mutual Bancorp and Lee Wether...
Enhancing Customer Experiences Through Collaboration
July 13, 2023 09:00 - 27 minutesFrom virtual and embedded experiences to digital payments and the power of AI, digital banking experiences can be enhanced at every touchpoint. With so much disruption – and opportunity – facing banks, credit unions and fintech firms, the industry must be more agile than ever to turn these changes to their advantage. But capitalizing on disruption and unleashing new growth potential requires more than just new technology. It requires strong leadership, laser focus, a willingness to collaborat...
Jenius Bank: A New Digital-Only Bank with a 400 Year History
July 11, 2023 13:00 - 43 minutesCreating a separate digital-only bank by a legacy financial institution is an opportunity to build a new, high-growth business that leverages the parent’s capabilities, brand and capital. The challenge is moving from a rapid initial growth phase to delivering sustainable returns, without being challenged by a legacy mindset or outdated back-office. Jenius Bank, the new digital-only banking division of California-based Manufacturers Bank, and wholly-owned subsidiary of the 400 year-old Japan-b...
Rewiring for Digital Banking Transformation Success
July 05, 2023 09:00 - 46 minutesMany financial insrtitutions are stuck with digital transformations that are not moving the needle. In the new book, “Rewired: The McKinsey Guide to Outcompeting in the Age of Digital and AI” the authors found that long-term success comes when leaders embrace change around their talent, operating model, technology, and data capabilities. So, what can the banking industry learn from this detailed ‘how-to book’? How can financial institutions of all sizes continually create great customer exper...
The Inspirational Journey of a Financial Technology Leader
July 03, 2023 09:00 - 45 minutesBeing a leader in today’s banking ecosystem can be challenging when everything around us is changing so fast. The ability to pivot, be flexible and continuously evolve is a key to success. These challenges are heightened when a leader is a female in an industry historically dominated by males. The balancing of work with the pressures of home and raising a family can change the path to success. But, the path is not impossible if there is focus, commitment to learning, and empathy for coworkers...