William Friend

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  • What Examiners Actually Look For (and How to Measure Risk So You’re Always Ready)

    What Examiners Actually Look For (and How to Measure Risk So You’re Always Ready)

    Every regulated institution meets its examiners eventually. In banking that means the OCC, the Fed, the FDIC, or a state supervisor, and they arrive with a question that…

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    August 16, 2026

    4 min read

  • Building an ATM Defense That Actually Works

    Building an ATM Defense That Actually Works

    This is Part 4 of a 4-part series on ATM attack risks and defense strategies. In Part 1, we explored the evolving threat landscape. Part 2 covered physical…

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    March 28, 2026

    4 min read

  • Jackpotting, Black Boxes, and State-Sponsored Hackers

    Jackpotting, Black Boxes, and State-Sponsored Hackers

    This is Part 3 of a 4-part series on ATM attack risks and defense strategies. In Part 1, we examined the evolving threat landscape. In Part 2, we…

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    March 21, 2026

    4 min read

  • From Skimmers to Sledgehammers: Physical ATM Attacks

    From Skimmers to Sledgehammers: Physical ATM Attacks

    This is Part 2 of a 4-part series on ATM attack risks and defense strategies. In Part 1, we explored the evolving threat landscape and the architecture that…

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    March 14, 2026

    4 min read

  • The Evolving ATM Threat Landscape

    The Evolving ATM Threat Landscape

    This is Part 1 of a 4-part series on ATM attack risks and defense strategies. Based on original research compiled in our comprehensive white paper, this series explores…

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    March 7, 2026

    4 min read

  • Branch as a Destination: Community-Centric Retail Strategy and Experiential Banking

    Branch as a Destination: Community-Centric Retail Strategy and Experiential Banking

    Deconstructing the Umpqua Model: From Bank Branch to Community Hub In an era where digital transformation has led many financial institutions to view the physical branch as a…

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    William Friend

    October 21, 2025

    4 min read

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