AI and Deposit Products

7.24.25 | 2p Est. SEATS ARE FILLING FAST!!!

Updated: June 12, 2025

Instructor:

What You'll Learn

Artificial intelligence is rapidly transforming how depositors discover, evaluate, and act on deposit opportunities—often outpacing the industry’s ability to adapt. In today’s environment, AI-powered tools can instantly advise depositors on maximizing returns, exposing vulnerabilities in traditional deposit product designs and accelerating deposit migration. For bank executives in finance, retail sales, compliance, operations, and marketing, understanding and responding to these seismic shifts is now mission-critical.

Topics covered in this session

How AI is empowering depositors to “game” traditional deposit products, such as CDs, by calculating optimal withdrawal and reinvestment strategies—often resulting in significant cost-of-funds increases for banks
The risks of legacy deposit structures and penalty frameworks in an era where AI removes barriers to depositor know-how and action
The emergence of “AI-driven yield harvesting” and its impact on deposit stability, attrition, and profitability
Practical approaches to redesigning deposit products and pricing to withstand technology-enabled exploitation and maintain competitive advantage

Who Should Attend

Presidents
CEOs
CFOs
ALCO members
Controllers
Retail Banking Officers/Directors
Customer Experience leaders
Branch Managers
Marketing and Funding Officers
Anyone responsible for deposit strategy in today’s dynamic environment

Accreditations

CPE/NASBA

Noggin Guru, Inc. dba Lorman Education Services and BankersHub is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be submitted to the National Registry of CPE Sponsors through its website: www.nasbaregistry.org.

For more information regarding administrative policies such as complaint and refund, please contact our offices at 866-352-9539.

Please note: You must attend at least 50 minutes to obtain credit. Final CPE approval belongs with each state's regulatory board. Credit is based on a 50-minute credit hour.

For more detailed information about the course, including the outline, content, and objectives, please refer to the 'Description' tab on this webpage.

Field Of Study:
Prerequisite: Basic knowledge of the banking industry, business, or law
Level of Knowledge:
Advanced Preparation: None
Teaching Method: Seminar/Lecture
Delivery Method: Group Internet Based

Requesting CE:
Upon completion of this course, please email creditrequest@nogginguru.com to obtain a CE certificate.

On-Demand Course