As financial institutions navigate persistently high interest rates, managing the cost of funds has become paramount. With the Federal Reserve signaling fewer rate cuts in 2025 than initially anticipated, banks and credit unions must proactively adapt to preserve margins while meeting customer expectations and driving growth.

David Carlson, VP of Sales at MANTL, will be joined by BAI’s Isio Nelson, Managing Director, Research, Fraud & Thought Leadership, to discuss how banks can raise hundreds of millions of dollars of deposits while controlling their cost of funds. Optimizing the onboarding experience will be critical to achieving profitable growth in 2025 and beyond. Learn proven strategies for acquiring low-cost deposits at scale, activating your current customer base, and deepening existing banking relationships.

Key takeaways:

• How to remain competitive in a high-rate environment without sabotaging profitability
• Optimizing digital marketing and how improving the online and in-branch onboarding process will positively impact new customer acquisition and lower your cost of funds
• Learn strategies to boost retention as consumers pursue competitive rates and how to expand your share of wallet when acquiring customers using CDs or Money Market offerings

THOUGHT LEADERS:

David Carlson
VP of Sales
MANTL

David Carlson is the VP of Sales at MANTL. Prior to MANTL, Carlson worked with community financial institutions for more than 15 years to develop and implement scalable growth strategies. He has presented at numerous conferences on topics such as new customer acquisition strategies, sales and marketing initiatives, revenue growth, strategic planning, and team development.

Isio Nelson
Managing Director, Thought Leadership, Fraud & Research
BAI

Isio Nelson is Managing Director Thought Leadership, Fraud & Research at BAI. In his role, he as three distinct leadership roles responsible for the thought leadership that helps inform the financial services industry, leading the fraud initiatives and oversight for the industry leading syndicated research and consortium based comparative benchmarking research for U.S. Retail Banking providers. Prior to joining BAI, Isio led multiple teams and business units at Equifax, Citi, Capital One and a startup Fintech provider. He received an M.B.A from the Kellogg Graduate School of Management at Northwestern University and a B.S. in Business Operations Management from Devry Institute of Technology.