AI and Deposit Products
About This Course
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
*This program does NOT qualify, nor meet the National Standard for NASBA accreditation
Your Instructors
Neil Stanley is the Founder and CEO of The CorePoint.
Neil founded The CorePoint in 2010 with a mission of revitalizing pricing strategies for retail deposits. The company provides clients across the country with enhanced ways of profiting through attracting and retaining properly priced retail deposits. He has been granted two U.S. Patents for business processes which unleash value in time deposits including the patent on Redeemable CD®.
He has facilitated the High-Performance Idea Exchange for the Sheshunoff CEO Affiliation Peer Groups since 2021. Neil has taught at Graduate School of Banking in Colorado; Southwest Graduate School of Banking; and Graduate School of Banking - Madison. Neil has published numerous banking industry articles and participated in many banking podcasts and webinars. Neil is the Keynote speaker for the 2025 Retail Deposit Optimization and Strategic Management conference.
With 30 years as a bank executive with three high-performance family-owned banking groups, Neil has held a spectrum of roles in banks including Holding Company VP, Chief Liquidity and Investment Officer, Chief Credit Officer, President of Community Banking, and CEO.
Neil has served as a director for several banking and financial organizations. He also serves on the board of Pillar Seminary.
Managing Director of Strategic Development, The CorePoint
Stacy founded Selling Fintech and amBaaSsador to help founders and bankers build better partnerships—ones rooted in trust, not just transactions.
With 25 years of experience spanning core banking, fintech sales, and strategic alliances, Stacy has held roles ranging from Software Instructor to Head of Inside Sales at Jack Henry, ultimately helping close over $300 million in revenue. Today, she serves as a fractional sales leader, speaker, and educator, bridging the gap between innovation and institutions.
Stacy’s insights have been featured on stages, in publications, and in boardrooms across the fintech and banking ecosystem. Follow her on LinkedIn, where she shares practical advice for Bankers and Fintech Founders seeking a strategy to work together.
This course is covered under team memberships.
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