Q&A with Ryan Malstaff, Senior Vice President and Treasury Management Sales Manager at California Bank & Trust
INTERVIEW BY DEBRA GELBART
What does the Treasury Management division do? Treasury Management works with business
Investments in mitigation software and processes, including machine learning AI (artificial intelligence) to replace older technologies are on the near horizon for our Positive Pay systems. Positive Pay helps protect customers from check fraud and ACH (Automatic Clearing House) fraud. Technology enhancements can make enrollment and implementation of Positive Pay easier, provide more visibility into potentially fraudulent activity, and enhance the level of protection we provide to our clients.
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customers, ranging from small start-ups to multi-billion- dollar international corporations, serving as a consultant with ideas and recommendations on how they can accomplish several goals. These include streamlining their internal processes, making their operations more efficient, saving time and money, helping protect them against fraud, and meeting their cash flow and money movement needs. We also work with internal teams at CB&T and Zions Bancorporation affiliate banks to enhance products, policy or process.
How else does technology make it easier for businesses to manage their finances?
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Specifically, what does your job entail? Since I joined CB&T in August 2023, I have had
Our suite of Treasury Management and Digital Banking solutions offers our clients the ability to have increased visibility into their balances and transactions, manage risk, create efficiencies, save time and implement automation of money movement to help make their money work harder for them. We offer solutions that we can recommend to our customers, depending on their processes and payment methods, for each of these categories of activity: information reporting, accounts payable, accounts receivable, liquidity management and risk management, for example. From a digital banking standpoint, we’re continually refining our mobile banking and online platforms.
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the pleasure of managing the Treasury Management sales consultants who provide guidance and recommendations to clients on a variety of topics. Additionally, I’m constantly reviewing and adjusting our team’s short-term and long- term strategy and tactics to grow the business. I work with other internal teams as well, such as commercial banking relationship managers and branch employees, to help them enhance their Treasury Management sales processes. I feel fortunate that I get to partner with so many teams and individuals who directly help our clients with all of their banking needs.
How has Treasury Management evolved in the past few years to embrace technology for
What qualities do you believe describe an effective banking professional?
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businesses to an even greater degree than in the past? Treasury Management is constantly evolving. We use technology to improve our processes and products to keep up with our client’s needs to be more efficient, save time and money and help protect themselves against fraudsters.
Being an effective banking professional relies on one’s ability to communicate early, often and concisely; and be consistent, reliable and trustworthy. If you’re strong in those areas, I believe that you’ve got a great foundation to build on and do very well.
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IN YOUR CORNER ISSUE 17 | 2024
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