Tom is joined by Kartik Kaushik, Managing Director and Head of RBC Clear. Kartik shares how he went from building India's first e-commerce platform at Unilever to reimagining corporate transaction banking in the US — and why that unconventional path gave him the customer advocate lens the industry desperately needed. He breaks down why corporate onboarding still takes 45 to 60 days, what it took to compress that to same-day, and how parallel processing and intelligent validation replaced an army of operations staff. Kartik also explains why he rebuilt RBC Clear as fully cloud-native from day one, how co-developing the platform with 28 of their largest clients shaped every product decision, and why the real unlock for treasury isn't just better technology.

Guest quotes:
“ Technology is only as good or as valuable as what the business case or the business intent or the need that you're solving for.”

“ You have to rethink policy, you have to rethink process, you have to rethink everything that's sacrosanct or held as the gold standard in the past. Everything has to be questioned.”

“ All the great products, we become part of their life as a customer, and the customer forgets we exist. That is the best state of any product.”

Links & Resources:

Connect with Tom Gavaghan

Connect with Kartik Kaushik

Learn more about Kyriba

Learn more about RBC Clear

YouTube Timestamps:

00:00 Show Intro and Guest Overview

00:26 Kartik's Background

01:44 Building the First E-Commerce Platform in India (1999–2000)

03:17 From Unilever to Citi to RBC

04:28 The Customer Advocate Lens in Corporate Banking

06:23 What Is RBC Clear? Putting Clients in Control of Working Capital

07:27 Co-Developing with 28 Client Advisory Firms

08:42 Why US Corporate Banking Is So Archaic

12:38 Re-Imagining Onboarding: From 67 Days to Same-Day

14:10 Time and Motion Study: The File Was Touched for Only 10.5 Hours

16:50 Pre-Populating Client Data and Intelligent Document Validation

19:58 Parallel Processing: How RBC Eliminated Sequential Handoffs

22:00 Pricing Transparency: Why Bank Invoices Require a PhD to Read

27:46 Flipping from Reactive to Proactive: The "Where Is My Payment?" Problem

29:20 No Published 1-800 Number: Zero Client-Facing Ops After 24 Months

32:14 What Had to Break Internally to Achieve Same-Day Onboarding

37:13 First Fully Cloud-Native Core Banking Payments Business

42:01 Lessons from Unilever: Start with the "So What"

43:50 The Three Types of Workers in an Agentic AI World

49:25 Outro and Wrap-Up

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Tom is joined by Natalie Derse, CFO of Gen. Natalie shares how she and her CEO delivered $330 million in cost synergies in under 18 months following Gen's merger with Avast, and what made that execution possible. She also breaks down her approach to AI-native finance, why the CFO is becoming the de facto Chief Trust Officer, and how real-time data from GE and eBay shaped her modern playbook. Natalie also shares her take on talent — what she looks for in every hire and how mentorship, not just work ethic, is what actually accelerates careers.

Guest quotes:
“ One of the biggest responsibilities I hold is to give the business as much clarity as I possibly can.  I don't know how you do that without a great hunger for more technology and data to help you guide.”

“We achieved $330 million of cost synergies in less than an 18-month period."

"You cannot be successful just running your own playbook and running your own game. You've got to connect and you've got to embrace, and really be humble enough to be coached."

Links & Resources:

Connect with Tom Gavaghan

Connect with Natalie Derse

Learn more about Kyriba

Learn more about Gen

YouTube Timestamps:

00:00 Show Intro and Guest Overview

00:36 Natalie's Background: GE, eBay, and Becoming CFO of Gen

01:15 Leadership Philosophy: Why She Refuses the Corner Office

02:43 Data-Driven Mindset Across Industries

04:11 CFO as Business Partner, Not Just Finance Leader

06:49 The Avast Merger: $330M in Synergies in Under 18 Months

08:49 Execution Strategy: Alignment, Clarity, and Relentless Commitment

10:44 Transparency as a Leadership Tool

11:18 Leveraging 500M Subscribers: Customer Data as a Leading Indicator

14:01 Cybersecurity Retention Rates Through Economic Cycles

16:23 MoneyLion and Financial Wellness: Two Sides of the Macro Spectrum

18:54 AI-Driven Fraud and the CFO as Chief Trust Officer

24:55 The Jellycorn Concept: AI and the Future of Headcount

28:49 Redesigning Finance Functions with AI

33:26 AI Adoption: Milestones, Not Light Switches

35:54 Building Human Talent: Curiosity and Engagement Over Credentials

40:30 Future Skills for Finance Leaders: Tech Fluency and Human Connection

35:54 Fasting, Family, and Staying Balanced as a CFO

37:04 Career Advice: Work Ethic + Mentorship = Acceleration

39:06 Wrap Up and Where to Follow Natalie and Gen

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Tom is joined by Marc Friend, CEO of Sift, a machine learning-powered fraud prevention platform that recently crossed $100M in revenue. Marc shares how he's restructuring the business to move from individual acts of heroism to true operational leverage — and what that requires at the organizational level. He breaks down how Sift thinks about fraud as a revenue enablement problem, not just a defensive one, and why agentic commerce is the next frontier no one has fully figured out yet. Marc reflects on how his background as an MIT systems engineer and 13-year VC shaped the way he architects companies and spots patterns worth replicating.

Guest quotes:
"You have to turn best practices into processes that are written down, so that when I say them and someone hears them, they're the same. Then you have to build a cadence around which you operate."

"When I come back to a merchant and say, I didn't authorize my agent to do that — that's a kind of fraud that we don't think about so much. Who's gonna take the risk of that is not decided."

"People are a lot more resilient than we give them credit for, and we are able to drive people much harder and further than they think they can go. People want to be challenged."

Links & Resources:

Connect with Tom Gavaghan

Connect with Marc Friend

Learn more about Kyriba

Learn more about Gen

YouTube Timestamps:

00:00 Show Intro and Guest Overview

00:25 Marc Friend Background: MIT to VC to CEO

01:51 Scaling Past $100M: Heroism vs. Systems

02:35 Re-Engineering the Org at Sift

03:25 Operational Leverage in SaaS

04:47 Competitive Landscape and Differentiation

05:46 Fraud as a Revenue Enabler

08:45 What Is Agentic Commerce?

09:23 Who Bears Risk When Agents Transact?

13:01 Sift's Data Advantage and ML Signals

13:45 Using AI as an Internal Challenger

16:37 Explainability and Feedback Loops in ML

21:15 Career Arc: Engineer to VC to CEO

23:10 Re-Architecting the Business at Each Growth Stage

25:14 Process, Documentation, and Cadence at Scale

26:25 Different Teams, Different Cadences

30:37 Leadership Lessons from the 1980 “Miracle on Ice”

33:04 Advice for Hiring or Becoming a CFO

34:00 CFO as Thought Partner and Business Architect

35:23 Wrap Up and Where to Find Sift

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Tom is joined by Trent York, CFO of Furnished Finder, a fast-growing marketplace connecting traveling professionals with furnished monthly rentals across the U.S. Trent explains how the company is capitalizing on the rapid growth of the midterm rental market. He also discusses the operating advantages of leading finance, HR, and legal under one organization, what he calls the “execution economy.”

Guest quotes:

“Mobility doesn’t stop just because the housing market freezes.”

“A CFO today needs to know a lot about a lot, not just finance.”

“If you can understand how every part of the business connects, you can move faster.”

Links & Resources:

Connect with Tom Gavaghan

Connect with Trent York

Learn more about Kyriba

Learn more about Furnished Finder

YouTube Timestamps:

00:00 Show Intro and Guest

01:07 Trent York Background

02:18 What Furnished Finder Does

02:44 Why Midterm Rentals Boom

04:13 Subscription Not Payments

05:22 Control and Simplicity

07:40 Housing Freeze and Renters

10:45 New Demand Segments

13:32 Modeling Mobility Trends

15:34 Marketplace Data Strategy

17:36 Proptech What Comes Next

19:51 International Expansion Plans

20:43 CFO Also HR and Legal

23:20 AI Pushback Framework

23:58 Trust but Verify Leadership

25:50 Upskill vs Hire Talent

28:59 Tech Stack Pitfalls

32:02 Career Growth Advice

34:25 Big vs Small Companies

36:04 Remote Travel Picks

37:27 Travel Rule and Family

38:47 Wrap Up and Book Picks

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Tom is joined by Jeanne Jones, CFO of Exelon, one of America’s largest energy delivery companies. Jeanne explains how Exelon creates long-term value in a highly regulated environment by focusing on operational excellence, disciplined capital allocation, and customer affordability. Jeanne also shares how she thinks about liquidity and balance sheet protection in a higher-for-longer interest rate environment, including why going long on debt and prioritizing certainty have helped Exelon weather volatility.

Guest Quote:

“We deliver consistent long-term value for our investors by doing the basics exceptionally well.”

“Affordability starts with controlling your own costs.”

“If you have size and scale but don’t manage it as a portfolio, you’re not optimizing that size and scale.”

Timestamps:
01:05 Exelon Investor Story

03:56 Regulated Revenue Engine

06:22 Data Centers and Fair Rates

10:56 Planning for Uncertain Load

12:30 Affordability in Practice

16:53 AI and Analytics Use Cases

19:37 Liquidity and Debt Strategy

23:58 Finance Tech That Matters

25:53 Portfolio Management Edge

26:54 Career Rotations at Exelon

30:20 Data Driven Leadership

32:03 Advice for Future Leaders

33:39 ERGs and Talent Pipelines

37:56 STEM Programs and Scholarships

40:03 Rapid Fire Questions

Links & Resources:

Connect with Tom Gavaghan

Connect with Jeanne Jones

Learn more about Kyriba

Learn more about Exelon

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In this episode, Tom is joined by Colin Wittmer, CFO of PwC. Colin's 31-year journey at PwC has seen him transition from the audit practice to a leadership role in finance, with a significant focus on deals and transaction services. Unlike the typical technology-centric CFO, Colin emphasizes the importance of human skills in AI-driven transformations. He offers insights into the evolving role of finance leaders, the impact of AI, and how to cultivate leadership within the organization.

Guest Quote:

“As a CFO, you see the whole picture… where a good CFO really excels is being able to connect the dots so everyone understands how something happening in one part of the business affects the rest.”

“If you start managing the business like you have a lot of cash, you can easily go sideways when things get tough. It’s maintaining that discipline in good times and in bad times.”

“Make the tough decisions early and stay the course. The companies that don’t come out of restructuring are the ones that defer making the hard decisions.”

Timestamps:

01:07 Colin Wittmer's Career Journey

02:27 Insights on M&A and Finance Leadership

07:34 The Role of AI in Modern Finance

08:49 AI Implementation at PwC

12:58 Balancing Human Skills and Technology

14:44 Continuous Learning and Adaptation

25:43 Advice for Aspiring CFOs

26:50 Balancing Client and Firm Management

27:54 The Importance of Leadership

28:26 Evaluating Career Decisions

29:54 Market Trends in M&A

31:52 Red Flags in Finance Functions

34:58 Future of the CFO Role

41:30 Personal Insights and Hobbies

44:41 Recommended Reads and Conclusion

Links & Resources:

Connect with Tom Gavaghan

Connect with Colin Wittmer

Learn more about Kyriba

Learn more about PwC

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In this episode, Tom is joined by David Smith, CFO at RevSpring, for a wide-ranging conversation on what a true 360-degree finance leader looks like. David shares how his rare path, from private equity investor to CEO to CFO, shapes the way he connects strategy, operations, and value creation across the entire business. He also explains why discipline, transparency, and partnership are essential in both turnarounds and high-growth environments, and how he helps teams stay engaged by empowering them to think and act like owners.

Guest Quote:

“As a CFO, you see the whole picture… where a good CFO really excels is being able to connect the dots so everyone understands how something happening in one part of the business affects the rest.”

“If you start managing the business like you have a lot of cash, you can easily go sideways when things get tough. It’s maintaining that discipline in good times and in bad times.”

“Make the tough decisions early and stay the course. The companies that don’t come out of restructuring are the ones that defer making the hard decisions.”

Timestamps:

00:50 David Smith's Unique CFO Perspective

04:48 Insights on Private Equity and Turnarounds

10:26 The Importance of Forecasting and Cash Flow Management

13:21 Balancing CFO Responsibilities and Team Motivation

20:52 Building Trust Through Small Wins

23:14 Leveraging AI in Finance

28:19 International Experience and Its Impact

33:35 Future of Finance Roles

Links & Resources:

Connect with Tom Gavaghan

Connect with David Smith

Learn more about Kyriba

Learn more about RevSpring

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In this episode, Tom is joined by Nick Dahm, CFO at Salesloft, to discuss the importance of relationships and storytelling in the CFO seat. They discuss the role of the CFO as a coach, but not a referee or score keeper. Nick also talks about how his background in finance and M&D informs his current approach as CFO and how he maintains team engagement amid constant change.

Guest Quote:

• “You think about like the player and the referee getting into it. I never want to replicate that as far as how finance engages with the business. I really want to build that relationship like you would have with your coach or = with your trainer, where you're like, hey, we're both in this together. They're invested in me achieving my best.”

Timestamps:

01:10 Nick Dom's Background and CFO Role Evolution

02:22 Balancing Growth and Profitability

04:23 Finance as a Coach, Not a Scorekeeper

06:12 The Importance of Storytelling in Finance

08:37 Common Misconceptions About Finance

11:25 M&A Insights and Value Creation

17:04 Team Management and Company Culture

20:20 Personal Reflections and Advice

Links & Resources:

Connect with Tom Gavaghan

Connect with guest Nick

Learn more about Kyriba

Learn more about Salesloft

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