In the flurry of excitement about digital technology, many companies have forgotten that a bank’s fundamental asset is data. Ultimately, algorithms rely on data. Done right, that data can be used to balance risk and reward, improve customer engagement, speed up processes, and improve compliance. But how do you do data right in banking? How do you partner effectively to stay at the front in the eyes of your customer?
José Ribau discusses the pragmatic side of data-driven finance—the realities of modern banking—comparing the demands of governance and compliance to the aspirations of fintech startups.
José Ribau is the chief data officer at CIBC, where he leads the bank’s data management strategy and advanced analytics functions. José’s team is responsible for governing the use of strategic data and driving transformation of the business through delivery of client segmentation, predictive modeling, and analytics projects—all with a focus on producing insights that help capture growth through product consolidation and increased share of wallet. Previously, José worked in client analytics and product development at CIBC, where he contributed to Canada’s first Visa Debit launch and other client-focused solutions that paved the way for additional revenue streams. Early in his career, José spent several years as a researcher in McMaster University’s Medical Sciences Division while he completed his MS. José also holds an MBA from Queen’s University and a BSc from Wilfrid Laurier University. He enjoys spending quality time with his family and is an avid cyclist and a big Star Wars fan.
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