Chana Schoenberger
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Editor-in-Chief @amerbanker at @arizent_co. Formerly @finplan, @wsj, @forbes, @bloomberg, @chicagoboothrev, @bjtonline + others. Opinions my own.
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Articles by Chana Schoenberger
How Profit Sharing Redistributes Wealth fetchAndInjectHTML('/defer-load/edit-this/20211', document.currentScript);
(Illustration by iStock/narvo vexar) What happens to companies when owners are required to give a percentage of their profits to employees? A new study of French firms finds that profit sharing is an effective way to get more money into the hands of workers on the lower end of the pay scale without affecting operations. “Mandated profit-sharing redistributes excess profits to lower-skilled workers in the firm without generating significant distortions or productivity effects,” the authors write.
How AI Disclosures Disconnect fetchAndInjectHTML('/defer-load/edit-this/20209', document.currentScript);
(Illustration by Dung Hoang) No one thinks that content creators posting on social media are speaking directly to them. But knowing that the creator used generative AI to make their video or image, rather than pouring their own effort into it, drives users to feel less of a connection with the creator, and to engage less with the post. A new study finds that seeing an AI disclosure on a social post leads users to feel the creator spent less effort on making it, causing it to lose authenticity.
Why Bureaucrats Defend Democracy fetchAndInjectHTML('/defer-load/edit-this/20028', document.currentScript);
(Illustration by iStock/Moor Studio) In a world in which many democracies are backsliding, what enables career bureaucrats to resist anti-democratic demands from politically appointed superiors? A team of researchers used Brazil under President Jair Bolsonaro as a case study, examining what happened when political appointees began taking over agencies that had previously been nonpolitical.
CEO Activism and Authenticity fetchAndInjectHTML('/defer-load/edit-this/20015', document.currentScript);
(Illustration by Rob Dobi) CEOs who take public political stances risk the reputation of their companies with stakeholders. When exactly does such activism pay off? A new study finds that company reputations can benefit when the CEO’s statement is matched by corporate social responsibility (CSR) activities.
Introducing our new Payments Intelligence Analyst
When American Banker launched Payments Intelligence last fall, we were excited to bring payments executives and bankers the research, data, analysis and news they need to succeed, all in one place. Now I'd like to introduce readers to Megan Ryan , our...
Spring 2026
Issue Spring 2026 Volume 24, Number 2 Read about the importance of developing and expanding human relational intelligence; why philanthropy should embrace pluralism; how small donations are essential for social innovation; how one social entrepreneur has helped revitalize post-Soviet Kyrgyzstan; and other topics in the Spring 2026 issue of Stanford Social Innovation Review.
Treating New Hires as Strangers fetchAndInjectHTML('/defer-load/edit-this/19865', document.currentScript);
(Illustration by iStock/ThongSam) When a company hires a manager, conventional wisdom holds that the new joiner should be added immediately to meetings and treated as a longtime member of the team. But what if this common-sense advice is wrong?
Welcome to your new American Banker homepage
We're proud to introduce the redesignedAmerican Bankerhome page, a transformation inspired by how today's financial services leaders learn, connect, and grow. Our goal was simple: to make it easier for you to access everythingAmerican...
Coping With Mental Illness at Work
Health Employees experiencing mental illness successfully manage their symptoms by disengaging from some aspects of their jobs and engaging in others. To read this article and start a full year of unlimited online access, subscribe now! Subscribe Now Already a subscriber? Login Need to register for your premium online access,which is included with your paid subscription? Register Now Support SSIR’s coverage of cross-sector solutions to global challenges.
The Most Powerful Women in Banking, No. 4, Gunjan Kedia, U.S. Bank
Spoiler alert: Gunjan Kedia's 2024 performance as president of U.S. Bank was strong enough that she was granted the CEO title as well in early 2025 , taking over in April from longtime leader Andrew Cecere. (American Banker's methodology requires...
The Most Powerful Women in Finance, No. 4, Penny Pennington, Edward Jones
Pennington is moving Edward Jones from its traditional role as a stock brokerage firm into a new orientation as a financial-planning company. Of her 20,000 financial advisors, a record for the firm, she now has 5,000 Certified Financial Planners. This...
Iraq’s Activist Entrepreneurs
Social Enterprise A grassroots collective of Iraqi entrepreneurs softened their ambitions when faced with funding shortfalls and corporate offers. By Fall 2025 To read this article and start a full year of unlimited online access, subscribe now! Subscribe Now Already a subscriber? Login Need to register for your premium online access,which is included with your paid subscription? Register Now Support SSIR’s coverage of cross-sector solutions to global challenges.
Iraq’s Activist Entrepreneurs
In June 2025, the Stanford Center on Philanthropy and Civil Society, the academic home of SSIR, hosted its Junior Scholars Forum in partnership with the Doctoral Seminar in Social Entrepreneurship and Philanthropy (SEPHI) at ESSEC Business School in Paris. The articles in this issue’s Research section report on papers by scholars who participated in the forum.
What we learned at this year's Digital Banking Conference
The future of banking was the overarching theme of American Banker's Digital Banking Conference this week. Digital trends such as open banking, artificial intelligence and decentralized finance are accelerating the democratization of financial...
Seeking Rentals While Latino
Renters’ racial and ethnic backgrounds can affect how and where they find a new home and how much help they get from family and friends to do so, a new study shows. This factor can make renting a new place more or less affordable for those at the lower end of the income spectrum, amplifying economic inequality across racial groups.
Why Morgan Stanley lets bots do the boring compliance work
If bots can perform a repetitive task at a bank, they should, freeing people to do the thinking that only they can do. That's the premise behind a regulatory-inquiries automation project at Morgan Stanley, the Innovation of the Year honoree in the...
Organizational Development
Organizational Development Decentralized Workplace Companies that adopt nonhierarchical organizational structures require deliberate efforts and collective planning to succeed. Collaboration Bringing Organizational Cultures Together for Social Impact By & Bringing different organizations’ cultures together and building an effective inter-organizational culture can be done, but only if participants are savvy and intentional about culture.
Civic Engagement
Civic Engagement Democratic Giving Wealth Shared empowers a collective of people to determine grantmaking decisions. Leadership President Carter’s Inspiring Model of Civic Leadership By 2 His post-presidency demonstrated a special combination of bold aspiration coupled with strategic, detailed, and sustained execution.
Social Enterprise
Social Enterprise The Societal Role of Social Entrepreneurship By & 1 How can social entrepreneurship promote social justice? An unlikely source provides an unambiguous and practical framework. Advocacy How Social Enterprises Advocate Research demonstrates that social enterprises are political actors that seek to influence public policy and sociocultural norms.
Powell: Fed will wait to see tariffs' effects before acting
ARLINGTON, VIRGINIA — The Trump administration's new policies on tariffs, immigration and government spending undeniably will have an effect on the U.S. economy this year, but until the consequences are understood fully, the Federal Reserve is taking...
American Banker's Innovation of the Year 2025: How to apply
American Banker has opened nominations for our new Innovation of the Year awards, which recognize the most groundbreaking and important tech launches at banks and financial institutions in the U.S. The award celebrates achievements from new markets...
Learning From Indigenous Forest Conservation in Democratic Republic of Congo
Environment The Batwa tribe of Democratic Republic of Congo demonstrates that the role of Indigenous peoples in forest protection defies stereotypes. To read this article and start a full year of unlimited online access, subscribe now! Subscribe Now Already a subscriber? Login Need to register for your premium online access,which is included with your paid subscription? Register Now Support SSIR’s coverage of cross-sector solutions to global challenges. Help us further the reach of innovative ideas.
'Pent-up deal flow': How Trump will impact the economy
On Jan. 20, two things happened that could have a major effect on banks and the economy this year: President Trump's second inauguration, and the release of Chinese AI startup DeepSeek's new large language model. "These are two big reasons why,...
Decentralized Workplace (SSIR)
Organizational Development Companies that adopt nonhierarchical organizational structures require deliberate efforts and collective planning to succeed. To read this article and start a full year of unlimited online access, subscribe now! Subscribe Now Already a subscriber? Login Need to register for your premium online access,which is included with your paid subscription? Register Now Support SSIR’s coverage of cross-sector solutions to global challenges.
American Banker Young Women's Leadership Award
The Young Women's Leadership Award grants four $5,000 college scholarships to New York City high school seniors in support of their higher education plans. Chosen by an advisory board of previous Next honorees, these high-potential young women have...
'We need more endorphins in banking,' Julieann Thurlow says
When the outgoing chairwoman of the American Bankers Association, Julieann Thurlow, thinks about the challenges facing banks, she pictures her own three children, all in their 20s, and their relationship with money. "I'm most concerned about whether...
Oldest credit union in U.S. keeps battling big banks, scamsters
MANCHESTER, N.H. — People in New Hampshire's largest city have the same financial worries they've faced for decades: buying a car, saving for a house, paying for their kids' education. Local credit union CEO Ken Senus, who runs St. Mary's Bank, has...
How Worker Cooperatives Influence Civic Engagement
Business A study of worker-owned cooperatives demonstrates how people see their civic engagement, whether in the workplace or out in the world, as one and the same activity. By Fall 2024 To read this article and start a full year of unlimited online access, subscribe now! Subscribe Now Already a subscriber? Login Need to register for your premium online access,which is included with your paid subscription? Register Now Support SSIR’s coverage of cross-sector solutions to global challenges.
Amy Bartlett, BMO | Next 2024 | Business Information & News | FE | Westlaw Today
Growing up in the small Illinois town of Roscoe, Amy Bartlett never imagined that she would go into banking. Today, she holds BMO's House Discretionary Limit, which means she is one of a handful at the bank allowed to recommend that the CEO or chief...
Jessica Payne, The Raine Group
The biggest initial public offering of 2023 — chipmaker ARM's September debut on Nasdaq, which valued the U.K.-based company at $54.5 billion — marked a memorable day for investment banker Jessica Payne, who advised ARM, a unit of Softbank, on the...
Mallory Niemczyk, Ally Financial
Mallory Niemczyk has faced down two crises and turned them into opportunities for her career. The Flint, Michigan, native was recruited out of Michigan State University to work at what was then GMAC, an arm of General Motors. The entry-level job in...
Natalie Wech, M&T Bank
Natalie Wech isn't the banker one would expect to meet when walking into a branch of M&T Bank in southern Pennsylvania. The Zimbabwean native, who grew up spending summers visiting family in Greece, speaks five languages and had a previous stint as a...
Amanda Deckelman, Bank of America
Fixed income is at the center of the economy, and Amanda Deckelman sees her job as crucial to the market's functioning. "How the government funds itself through the Treasury market is critical to how people live," she said. It's one part of how...
Guiding a large fintech: Stephanie Ferris
An audit manager at PriceWaterhouseCoopers early in her career, Ferris got her start in banking at Fifth Third Bank, then moved over to Vantiv in financial planning and analysis — her first step into fintech. Eventually she rose to become chief...
Building digital banking for small businesses: David Mitchell
Fintech veteran David Mitchell thought he could solve the problem small-business executives face when they deal with big banks: products they offer are designed for bigger companies and don't scale down to smaller firms.
From fintech founder to bank innovator: Peter Poon at BMO
Peter Poon got his start in his native Hong Kong, co-founding a fintech startup in 2004. "I had to lug my own servers up the hill, actual physical servers, and we slept in a room with our servers with barely any air conditioning," he recalled. The...
The Prison to Entrepreneurship Pipeline
Those who are released from prison often face difficulty finding a job. This problem, in turn, generates further difficulties for policy makers: If people exiting the criminal justice system can’t support themselves through work, they will have a hard time regaining a place in society and may be more likely to recidivate.
"I care what your values are:" Morgan Stanley's Gorman
James Gorman Credit: Brendon Thorne/Bloomberg News If James Gorman were designing the U.S. banking system, it wouldn't look the way it does today. Instead, it would have mainly megabanks and tiny community banks, ideally with a single branch where the local bankers know the borrowers personally. "There is a presumption that an extremely fragmented banking system is a good idea," Gorman, the former Morgan Stanley CEO, said.
'I care what your values are': Morgan Stanley's Gorman
If James Gorman were designing the U.S. banking system, it wouldn't look the way it does today. Instead, it would have mainly megabanks and tiny community banks, ideally with a single branch where the local bankers know the borrowers personally....
FIS says it is once again putting banks first
FIS has a message for its bank customers: We care about you again. The software giant, best known among banks for its core software that powers deposits and all other functions, veered into payments when it bought Worldpay in 2019. But since...
'Be your own champion': How hybrid work can empower careers
The hybrid work environment has led to some unconventional advice for workers who wish to advance their careers. When on a video call with a colleague whose clothes are clumped in a pile in the background, "it...
Young Women's Leadership Award college scholarship: Apply now
For the 14th consecutive year, American Banker and Discover are the proud sponsors of the Young Women's Leadership Award,a college scholarship given to four (4) graduating NYC high school seniors who have demonstrated leadership potential, academic...
Hospital Workplace Culture Influences Medical Errors and Mortality Rates
How doctors, nurses, and hospital staff get along can directly affect patient outcomes, researchers have found. Office interpersonal dynamics are the substrate of all workplaces. In a hospital setting, the stakes are higher: Medical errors are a leading cause of death and injury. A new study examines the connection between “incivility”—medical workers being rude or disrespectful to each other—and rates of mortality and medical errors for patients under the hospital’s care.
Fintech Nexus Newsletter (January 16, 2024): New Nasdaq Report Shows $3.1T In Illicit Money Flows In 2022
Today, a new global melaporkan was released from Nasdaq and Oliver Wyman on illicit money flows and the numbers are sobering. The Global Financial Crime Report quantifies the total amount of illicit financial activity and the number is an eye-popping $3.1 trillion. Included in this number is bank fraud covering payments, checks and credit card fraud which is estimated at around $450 billion.
Fintech Nexus Newsletter (January 16, 2024): New Nasdaq Report Shows $3.1T In Illicit Money Flows In 2022
Today, a new global αναφέρουν was released from Nasdaq and Oliver Wyman on illicit money flows and the numbers are sobering. The Global Financial Crime Report quantifies the total amount of illicit financial activity and the number is an eye-popping $3.1 trillion. Included in this number is bank fraud covering payments, checks and credit card fraud which is estimated at around $450 billion.
Fraud cost $500B, illicit money topped $3T in 2023: Report
As the scale of financial crimes grows around the world, banks and financial institutions see a tidal wave of fraud, money laundering and trafficking proceeds sloshing through the global economy, with better coordination needed within and between...
Why brand strength matters to banks: Morgan Stanley CMO
Marketing executives spoke about the value of brands on a panel at the Interbrand Best Global Brands Summit 2023. From left, the moderator, Daniella Bianchi, Chief Strategy Officer, Interbrand; Janet Lee, CMO, Samsung Electronics US; Alice Milligan, CMO, Morgan Stanley; and Brian Buckley, CMO, Nasdaq.
Why brand strength matters to banks: Morgan Stanley CMO
As Morgan Stanley works to integrate recent acquisitions like brokerage E-Trade and asset manager Eaton Vance into what was traditionally a staid investment bank, the company's brand has taken on a more important role. "I do think the brand does lead...
Performance-Based Incentives Improve Health Care in Democratic Republic of Congo
With all the money from foreign aid and international NGOs that flows into developing countries’ health-care systems, why aren’t health outcomes better for people who live there? And how can donors make sure their money is having an impact?
Why banks' retail units should care about small businesses
NASHVILLE – Bankers to small companies have a big problem: their banks often don't think their customers are as important as retail clients. But that's the wrong way to look at it, according to Brian Haney, senior vice president of retail strategy...
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