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Articles by John Meyer
Viewpoint: How Oregon can better train its workforce of the future
Students who completed two or more credits in a career and technical education program graduated at 97.8%, far above the statewide average.
Is your banker asking the right questions? 5 conversations you should be having right now
With inflation, tariffs, and global instability reshaping markets in 2025, many business owners are asking the same question: Are we financially prepared for what’s next? The answer often starts with your banking relationship. Your banker shouldn’t just react to your needs; they should be proactive by asking strategic questions to help strengthen your business against potential risks. Here are five key conversations your banker should be initiating right now. 1.
Multi-Entity Fund Complexes And The Investment Company Act: Look-Through Rules, Integration Doctrine And Related Considerations
A significant portion of private funds rely on the exemptions from registration under either Section 3(c)(1) or Section 3(c)(7) (Registration Exemptions) of the Investment Company Act of 1940 (Investment Company Act). Section 3(c)(1) exempts issuers whose outstanding securities are beneficially owned by 100 or fewer persons (100 Person Limit).
Is Your Commercial Banker Addressing All of Your Expenses?
Listen to this article By John Meyer SVP, Market President – Commercial Banking Valley Bank Managing expenses is a top priority—especially in today’s economic climate. Interest rates remain high, the cost of goods continues to rise due to tariffs and supply chain disruptions, and employee benefits are an ever-growing expense. In this environment, every dollar saved can translate into a more competitive and resilient business.
SEC Updates Guidance On The Use Of Gross And Net Performance In Advertisements
On March 19, the Securities and Exchange Commission (SEC) issued a new FAQ response1 that softens prior guidance on the use of gross and net performance in advertisements. The new FAQs (the New Guidance) reduce the burden of certain positions advanced by the SEC's January 11, 2023 FAQs (the Prior Guidance) relating to the application of amendments to Rule 206(4)-1 (the Marketing Rule) under the Investment Advisers Act of 1940, as amended (the Advisers Act).
SEC Updates Guidance on the Use of Gross and Net Performance in Advertisements | JD Supra
On March 19, the Securities and Exchange Commission (SEC) issued a new FAQ response1 that softens prior guidance on the use of gross and net performance in advertisements. The new FAQs (the New Guidance) reduce the burden of certain positions advanced by the SEC’s January 11, 2023 FAQs (the Prior Guidance) relating to the application of amendments to Rule 206(4)-1 (the Marketing Rule) under the Investment Advisers Act of 1940, as amended (the Advisers Act).
Stop Being So Friendly With Friendly Fraudsters
Banks are grappling with a mystery that is wasting their money. Why do so many people knowingly commit fraud by submitting chargeback disputes that are false, and why are bankers being so nice to these fraudsters? According to Alloy’s latest State of Fraud Report, 14% of mid-market financial institutions reported that this kind of fraud — first-party/friendly/chargeback fraud — is the most frequent type at their bank or credit union.
What Bank CEOs Should Tell Their Boards About Third-Party Vendor Risk
The FDIC issued a consent order against Discover Bank last year for lacking oversight into third-party risk management and a compliance vendor management program. The time is past for all financial institution leaders to heed this message, take a hard look at their vendors and highlight concerns to their boards of directors. But with so much information being gathered within an institution, what should CEOs share?
Implement digitalization at every level of machine tool operations
Today’s machine tool builders have read many articles and technical papers about the emerging concept of digitalization. Digital twins are emerging as viable tools in the design and marketing of many CNC machine tools today, a trend that will continue to grow. Digitalization, both at the concept and build stages for the OEM and in the field for end customers, can be implemented at every level of machine tool operation today.
Strategize for the Long-Term, Plan for the Pivot
10 minutes Does your credit union’s strategic plan live in a binder? It should be an ongoing process. Recently, it can seem as though every aspect of society is moving at the speed of light: everything from technology to interest rates, to members’ priorities can change in the blink of an eye. “We are now in a new age. We’re in an environment where the business world is moving at such a fast pace—technology is moving at such a fast pace.
What Key Factor May Be Working Against Your Interest in Raising Board Engagement and Accountability
4 minutes Discover the hidden factor sabotaging your board's engagement and accountability, and learn how to address it effectively. In 2023, we identified four elements of good governance in our State of Credit Union Governance Report: 1) board members fulfilling their roles and responsibilities; 2) engagement; 3) accountability and 4) trust.
Purposeful Talent Development: 10 Steps to Effective Change Management – Part 1 | CU Management
5 minutes Master change management with these essential steps for effective leadership. In the rapidly evolving financial services industry, every leader needs to be proficient in guiding their organization and people through change. However, in my work with credit unions, I have found change management to be one of the most overlooked and undervalued leadership skills. The lack of a strategic approach often dooms important change initiatives to failure.
Regulators Shift to Approach Based on Principles and Data
As every executive and director knows, the way credit unions are regulated and monitored has changed dramatically over the last 20 years as the industry and the dangers it faces have shifted. Regulators have moved away from prescriptive checklists of do’s and don’ts that worked when credit unions provided limited services in limited ways, and shifted to an approach based on a broader overview of their actions and potential threats.
Will the Recent Ticketmaster Data Breach Drive More Fraud for Banks and Credit Unions?
The hacker group ShinyHunters allegedly breached Ticketmaster’s data in late May 2024, including credit and debit card information for over 560 million consumers worldwide. That’s more than 2.5 times the prior largest breach of Experian a decade ago. So, what will happen to U.S.-based consumers whose card information was compromised? Depending on how recent the cards were issued and their balances, they will sell for $8 to $20 per card on the dark web.
Strengthening Risk Management in Light of Recent Bank Failures
4 minutes What your credit union should learn about risk and liquidity from First Republic, Republic First and other bank seizures A nearby house fire caused by the lack of fireproofing might prompt a family to install fire-resistant materials inside their house, update smoke detectors and sprinklers, and perform recurring maintenance to the furnace and any other equipment that could start a fire.
A Letter to Bank and Credit Union Software Vendors
Mea culpa. Years ago, when I was a chief product officer involved in helping my company’s sales team conduct demonstrations with prospects, I made many of the mistakes I am ranting about here. At Cornerstone Advisors, I’m now on the other side of the table. I watch two or three software demonstrations each week and it kills me to see so many basic mistakes being made. I offer up this feedback with good intentions so we can all improve how we demonstrate our products to prospects and customers.
Small Business Lending Is Crucial in Fighting the Deposit Wars
As bankers continue to fight the deposit wars, they must move past the polite talk and build a true go-to-market plan to capture the lucrative U.S. small business market—a segment of 32 million small-to-medium businesses (small businesses) with less than $10 million in annual revenue with funding needs of loans between $5,000 and $1,500,000.
Banks Need Artificial Intelligence – It’s Just a Matter of Picking the Right Technology - Gonzobanker
Vendors need to be able to explain their AI technology to bankers in layman’s terms “An algorithm is what software engineers call something when they don’t want to explain what they did.” —Modern Adage Every vendor these days is talking about how their software has magical “AI” algorithms in it. How do banks and credit unions choose the applications that are right for their institutions?
HR Answers: Bridge the Generational Gap With Psychological Safety | CU Management
4 minutes Assumptions about employees of different generations can cause rifts in the workplace. Focusing instead on common values fosters a culture of inclusion. There are a few cultural facts about the workplace that can be considered universally true. First, labeling your food in a shared office fridge only sometimes stops that container of delicious Sunday night leftovers from mysteriously disappearing.
ICE to Buy Black Knight – So What? - Gonzobanker
ICE should take care to ensure that this deal does not slow the speed to market of both companies. New York Stock Exchange-parent Intercontinental Exchange (ICE.N) just announced it will acquire Black Knight (BKI.N) in a deal valuing the mortgage-lending software and data analytics firm at $13.1 billion or about 9 times 2021 revenue.
The Likability Factor
Adversity comes in all shapes and sizes and today, more than ever, it’s often hidden in plain sight. With the global pandemic changing almost every aspect of our personal and professional lives, everyone is facing adversity in some way. While it’s been mentally and emotionally challenging, good news is on the horizon! From this adversity comes the opportunity to build resilience - in yourself and in your organization. Join Bryn Conway for this session on July 14, 2021. Register Now
Diversity Insight: DEI as a Talent Strategy
5 minutes We need 110% from everyone. As a strategist, I prefer clarity in our objective before taking action. Strategy is simple. It is the process of clarifying 1) what we want to achieve (i.e., our objective) and 2) how we plan to achieve it (i.e., our strategy). For example, two people may have the same objective: They both want to lose 20 pounds, but the first person has decided to train for a marathon, while the other will join a gym.
Diversity Insight: Empathy Fuels Connections With a Wide Variety of Members
In recent times, many credit unions have wondered if they are truly serving the people they were originally created to serve—local communities, people with such common bonds as an employer or community and the underserved. Doing so well may depend a great deal on the ability to serve people you don’t serve now. And serving people that you don’t serve now may require you to get better at first recognizing diverse needs so then you can address them.
CFO Focus: Infusing Finance Throughout the Credit Union
4 minutes The value of embedding financial experts in every department Credit unions inherently differ from banks in that your primary mandate is service to members, rather than return to shareholders. This comes in the form of dividends, more competitive rates, lower fees and a myriad of member-centric offerings not available from a comparable bank.
Facility Solutions: Branch Opening Check List
7 minutes Ask these key questions to boost your chances of success. Opening a new branch can be complex. A lot is riding on the first impression made by this new location’s branded member and staff experience. At opening you want the branch to run flawlessly. This is particularly important if you are presenting a new business model and evolving the member and staff experience from traditional operations to new teller/member service kiosks or self-service and connection with remote service providers.
Robo Branches, the Next Big Thing?
In a recent The Financial Brand article, Jeffry Pilcher, CEO, writes about Bank of America’s new “robo branch” concept. These unstaffed branches utilize an ATM and video conferencing within 1,000 to 1,500 square feet. Customers can set up meetings with staff remotely and then use the conference room when they arrive. A digital ambassador will be present at robo branch openings to make customers more comfortable with the new concept. This concept has been tried in the past.
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