In this episode of Pioneers in Payments, Donna Blum sits down with Nanci McKenzie, Director of Product Operations for Treasury Management at Capital One.
Nanci brings over 40 years of experience in banking deposit operations, compliance, audit, and risk management. She is a recognized subject matter expert in the payments industry and holds several distinguished credentials, including Accredited Payments Risk Professional (APRP) and Accredited ACH Professional (AAP). Nanci also earned a Juris Master in Financial Regulation and Compliance, as well as a Master’s in Legal Studies with concentrations in Financial Regulatory Compliance and Cybersecurity and Information & Data Privacy.
A lifelong learner, Nanci is deeply committed to advancing the payments industry through education, leadership, and innovation.
In this conversation, Nanci and Donna explore several key topics shaping the future of payments:
👉 Faster Payments and Emerging Technology
One of the most notable trends in banking is the drive to move money faster and more securely. Banks are increasingly focused on delivering services that enable rapid and reliable payments. Quantum computing is an emerging factor in this space, offering new possibilities for speed and efficiency. As Nanci explains, faster payments create tremendous opportunities for banks—when used strategically, they can transform customer experiences and make financial institutions the hero for their customers.
👉 Combatting Fraud
Fraud continues to grow and evolve, making it one of the most persistent challenges facing banks today. Nanci emphasizes the responsibility financial institutions have to protect their customers through prevention, monitoring, identification, and communication. Helping customers stay safe from fraud is both a challenge and one of the most rewarding aspects of banking.
👉 Nanci’s Silver Bullet Advice
Retain and support your experienced employees—they are the foundation of your organization. As artificial intelligence becomes more integrated into daily operations, these foundational team members play a critical role in validating and guiding AI-driven decisions to ensure they align with what’s best for both the bank and its customers.
Connect with Nanci McKenzie on LinkedIn at / nancimckenzie or reach her at nanci.mckenzie@capitalone.com.
About Capital One:
Capital One is a prominent financial services company founded in 1994 and headquartered in McLean, Virginia. It began as a credit card company and has since expanded into a full-service commercial and retail bank with operations in the United States, Canada, and the UK. The company offers a wide range of products including credit cards, auto loans, checking and savings accounts, and commercial banking services, driven by a strong focus on technology and data-driven innovation. The company is well-known for its innovative marketing strategies, featuring memorable advertising campaigns and sponsorships in college athletics, which reflect its commitment to visibility and brand recognition. Learn more about Capital One at https://capitalone.com.
About BHMI:
BHMI is a provider of software solutions for managing the back-office processing of electronic payment transactions. The company’s flagship product, the Concourse Financial Software Suite®, offers a dynamic and flexible solution for processing a wide range of payment types, including debit cards, credit cards, prepaid, P2P, and real-time payments via any device including ATM, POS, and mobile. Concourse provides essential back-office functions such as automated reconciliation, settlement, fee assessment, and dispute management. Its continuous processing architecture and powerful rules engine make it an ideal solution for organizations looking to modernize and optimize back-office payment operations. Learn more about BHMI at https://bhmi.com/.
