What changes do you see in banking? AI changes everything. I think AI will start to manage much of the risk-based decision-making on both sides of the balance sheet, such as loan approvals and pricing, along with deposit holds. The potential ability of AI to foresee areas of fraud that are currently running rampant would be a great addition to the tools we are already using. On the other hand, AI can also be used in negative ways. We will need to fight the deepfakes that are already being used to trick our customers into disclosing personal information to the fraudsters. In my mind, you are either using AI or will be run over by it. What challenges do you foresee for bankers in New Mexico? The federal reduction in Medicaid payments to our state will have a significant impact on the state budget.. How we handle this shortfall will be important across the state because many businesses are reliant on it. Who was the greatest influence on your career? I have had several impactful mentors in my life. I was raised by a single parent. My father taught me about discipline, honesty and hard work. He was firm but compassionate while we were growing up. He grew up poor, so he instilled moderation and simplicity in how we lived. If he found clothes in our closet that MAX MYERS, INTRODUCING 2025-2026 NMBA PRESIDENT CENTURY BANK, SANTA FE 4
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