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Digital Banking Podcast 95: Navigating Risk and Innovation in Credit Unions with Mike Tranum

In the this episode of The Digital Banking Podcast, host Josh DeTar welcomed Mike Tranum, CIO of DuPont Community Credit Union, for an engaging discussion on risk management, innovation, and member experience. Tranum emphasized the value of diverse generational experiences in corporate problem-solving, sharing personal anecdotes about his unique approach to projects and professional challenges. The conversation explored the dynamics of risk perception, with Tranum using analogies like skiing and hot air balloons to illustrate how familiarity shapes decision-making in financial institutions. He highlighted the importance of balancing in-house solutions with vendor partnerships to foster innovation while maintaining security and member trust. Tranum also discussed DuPont Community Credit Union's strategies for member-centric innovations, such as interest-bearing checking accounts and interest rebate programs. He underscored the need for educating members about security in the digital banking landscape. The episode provided valuable insights into navigating the complexities of risk, innovation, and member experience in the financial services industry.