
Episode #10
Your Banks's Culture - On AI! With Marlene Duhart
Future Tech Banker is hosted by Alec Crawford, Eric Cook, and Jack Hubbard. Together, they bring deep experience in banking, digital strategy, risk, business development, and industry leadership. The podcast explores the trends, technologies, and ideas shaping the future of community banking, with conversations focused on innovation, growth, leadership, customer experience, and the future of the industry. This podcast is sponsored by Verapath ( www.verapath.com ), WSI, and Saint Meyer & Hubbard. Marlene Duhart, Chief Information Security Officer at Southern Bancorp (soon to become Uplift Bank ), joined Future Tech Banker to discuss how community banks can responsibly embrace AI while staying true to their mission. Drawing on experience at Oracle, Visa, Zions Bank, Silicon Valley Bank, and now Southern Bancorp, she explains how AI is transforming banking—not just as a technology initiative, but as a cultural shift that empowers employees, improves decision-making, and strengthens customer service. The conversation explores AI governance, core banking conversions, productivity gains, data democratization, cybersecurity, and how mission-driven financial institutions can use innovation to better serve underserved communities. Top 5 themes from the episode AI is a cultural transformation, not just a technology project. Successful adoption requires leadership support, employee training, AI champions across the organization, and governance that encourages responsible experimentation rather than fear. Banking has always been a data business, and AI unlocks that data. Conversational AI enables employees across departments to access insights without needing technical expertise, allowing better questions, faster analysis, and more informed decisions. AI delivers measurable operational efficiency. From comparing corporate policies during a bank merger to accelerating core conversion tasks and automating routine work, AI significantly reduces manual effort while improving consistency and accuracy. Mission-driven banks can use AI to expand financial inclusion. AI supports multilingual services, financial education, and improved customer engagement, helping community development financial institutions (CDFIs) better serve underserved individuals and small businesses. Strong governance and trusted partnerships are essential. Banks should establish AI policies, measure return on investment, implement appropriate security controls, and work with partners who understand both AI technology and the unique regulatory and operational needs of banking. Links Uplift Bank — https://uplift.bank Graduate School of Banking — https://www.gsb.org .register.bank — https://www.register.bank U.S. Treasury Community Development Financial Institutions (CDFI) Fund — https://www.cdfifund.gov

