Banco Popular de Puerto Rico

Dennis Budinich, chief culture officer at Investors Bank, discusses the rise of chief culture officers and other nontraditional jobs in the banking industry.

The industry "as a whole" benefits from tech investments at megabanks, says Manuel Chinea, chief operating officer at Popular Community Bank. Big banks have taught consumers how to use new mobile features – and small banks can use that knowledge to their advantage, as they roll out new products.

Daniel Schrider, chief executive of Sandy Spring Bancorp in Olney, Md., discusses a controversial change to loan-loss accounting rules — known as the Current Expected Credit Loss standard, or CECL — and why it will be a burden for community banks.

Aneel Delawalla, managing director at Accenture, offers advice on how bank CFOs can carve out more time for strategic planning, as demands from regulators and investors increase.

"The CFO's role is evolving from bean counter to enterprise value architect," says Aneel Delawalla, managing director for CFO & Enterprise Value at Accenture.

Robard Williams, senior vice president with Moody's, discusses how the explosion of fintech companies – 4,000 by his firm's count – will help banks adapt to a digital world.

Expect banks to pull back on energy lending in the near term, as regulators step up their scrutiny of oil loans and bankers approach the business with a "different attitude," says Mariner Kemper, chairman and chief executive at UMB Financial in Kansas City, Mo.

The best way to navigate through a rough patch is to proactively communicate with employees, says Mariner Kemper, chairman and chief executive of UMB Financial in Kansas City, Mo., which last fall overhauled its executive team and announced a major initiative to control costs.

"Nobody really paid attention" when the technology for algorithmic portfolio management and investment advice was developed five years ago, says Gauthier Vincent of Deloitte. But now that robo startups are all the rage, retail banks want in.

Changes in consumer behavior – including a growing distrust of financial advisers – are driving the rise of robo advisers, says Gauthier Vincent, a consultant with Deloitte.