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Pedro Martinez is the CIO & CISO of Zenus Bank.

U.S. consumers set a new record during the second quarter, as card debt reached $1.03 trillion. Bankers say a healthy job market has allowed consumers to keep making their monthly payments, but they're also on guard about the impact of the upcoming resumption of federal student loan payments.

Rick David currently manages DANLEX Solutions, a boutique C-suite consulting practice, specializing in working with professional services firms. He is a former audit partner with a Big Four firm and a former member of the Professional Ethics Executive Committee of the AICPA and the AICPA Council.

Many small-business lenders have less than 18 months to figure out how to gather and report on an extensive array of data.

Kelly Rohrs, CPA, is the owner of Kelly Rohrs CPA. She is a member of the American Institute of CPAs, the New York State Society of CPAs, the National Conference of CPA Practitioners, Whoggga, and Boost Women's Networking Group. With over 10 years of experience in public accounting, she specializes in working with small to medium-sized businesses.

Despite faster payments' momentum, fragmented systems and cash's resilience continue to hobble cross-border peer-to-peer remittance speed, says MoneyGram CEO Alex Holmes.

Under settlements with the SEC, Wells Fargo and BNP Paribas will pay millions of dollars in penalties for employees using unofficial communications like WhatsApp. In all 11 firms agreed to pay penalties, while the CFTC took separate actions.

Firms that had ratings cut included M&T Bank, Webster Financial, BOK Financial, Old National Bancorp, Pinnacle Financial Partners and Fulton Financial.

Putting the pressure on employees to return to the office could cost financial companies their leadership.