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Speaker 1: You really can't afford in your formative years to have

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Speaker 1: somebody to say when you're out of the room. But

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Speaker 1: so I never want somebody to say, oh, you know,

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Speaker 1: I respect John Bright, but you know you know that

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Speaker 1: you never want that. But you need to know if

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Speaker 1: people are saying, as you can fix it. It's like

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Speaker 1: I've had people who've worked for me before and I've said, look,

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Speaker 1: I would love to give you this job, but you're

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Speaker 1: too emotional. And when you're a leader, you got to

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Speaker 1: bring the drama down. You don't have to bring the

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Speaker 1: drama up. Bringing the drama down that all right. This

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Speaker 1: is John Hope Bryant, entrepreneur, founder of Operation Hope Bryan

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Speaker 1: Grew Ventures and the Promise Homes Company, and this is

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Speaker 1: building the Good Life with my friend Kelly Coffee. Kelly

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Speaker 1: is the chief executive officer of City National Bank. It's

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Speaker 1: a subsidiary of Royal Bank of Canada transaction that happened

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Speaker 1: a short few years ago. Before that, it was arguably

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Speaker 1: one of the most important independent banks in the large

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Speaker 1: economy in the world in one of the biggest industries,

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Speaker 1: which was primarily entertainment. It is now expanded significantly beyond

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Speaker 1: that I don't typically read bios, but I'm gonna read

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Speaker 1: this one, um, and you'll understand why I'm gonna read

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Speaker 1: the bio for Kelly as we get in the conversation.

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Speaker 1: But for every woman out there who was told you

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Speaker 1: can only be a domestic engineer, that's wrong. For every

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Speaker 1: woman out there. Although most men couldn't even be a

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Speaker 1: domestic engineer raising children and all that, most men would

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Speaker 1: tell us that miserably. But women obviously can multitask just

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Speaker 1: like everybody else. And I think when they do it,

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Speaker 1: they do it better in many cases because they have

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Speaker 1: the warmth and the understanding and of the passion and

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Speaker 1: the empathy for raising children and raising families, for turning

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Speaker 1: a house to a home, and men do not have

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Speaker 1: ussuit having the intelligence that that rivals any man and leadership.

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Speaker 1: And so for everybody who's striving and struggling and dreaming

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Speaker 1: out there who happens to be female, I want you

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Speaker 1: to listen to this interview. I want you to spread

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Speaker 1: this around. I want you to pay close attention to

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Speaker 1: what Kelly says and how she says it, how she leads,

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Speaker 1: and how she stepped over mess and not in it.

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Speaker 1: Here's her bio. Kelly is only the fourth CEO of

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Speaker 1: City National Bank since it was founded in nineteen fifty four.

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Speaker 1: Prior to join City National in twenty nineteen, she served

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Speaker 1: as a CEO of JP Morgan Bank's US private banker,

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Speaker 1: JP Morgan Chase. That is, she also spent more than

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Speaker 1: twenty years at the firms investment banking. By god, she's

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Speaker 1: only thirty two. For god that she managed that. You see, Kelly,

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Speaker 1: you know what I'm talking about. She's timeless. I think

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Speaker 1: she's got some black blood and every because black dog crack.

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Speaker 1: Don't know how it is she's managed in that age.

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Speaker 1: Over the years, she held a variety of leadership positions

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Speaker 1: there at JP Head of Diversified Industrial Investment Banking, Head

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Speaker 1: of Equity, and a range of other positions. I won't

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Speaker 1: go through all that is most of that in North America.

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Speaker 1: She began her career and mergers and acquisitions and spent

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Speaker 1: six years working in Boinas ad Is, Argentina, which, by

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Speaker 1: the way, US meet the largest economy in the world.

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Speaker 1: Once a part of time, she also chaired JP Morgan

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Speaker 1: Record Tation Risk Committee in North America and led the

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Speaker 1: Investment Banks Women Network, which is appropriate to this conversation.

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Speaker 1: In one Kelly was recognized as a Diversity, Inclusion and

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Speaker 1: Equity CEO over the Year by the Los Angeles Business Journal,

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Speaker 1: CEO of the Year by the l A Times, UH,

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Speaker 1: and UH Most Powerful Women in New York by Crane's

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Speaker 1: New York Business. The accolades go on and on. American

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Speaker 1: Banker this her is a five most Powerful Women in

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Speaker 1: Banking and this is a big deal because, as I mentioned,

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Speaker 1: America is the largest economy in the world. They also

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Speaker 1: missed her UH in twenty one and twenty and one

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Speaker 1: of the twenty five most Powerful Women in Banking overall.

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Speaker 1: The first list was tied to top teams. Look up

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Speaker 1: her bio, read about it the inspired by what she's

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Speaker 1: done and she has never given up, given in or

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Speaker 1: sacrificed her humanity. She's also just a nice person. She's

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Speaker 1: on the board of SNAP. UH have her company and

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Speaker 1: focused on improving the way people live and communicate. And

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Speaker 1: UH she's involved in her community, which including US vets

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Speaker 1: and other areas of UH engagement, including her work with

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Speaker 1: the Central Park Conservatory Conservancy says. There's Council on Foreign Relations,

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Speaker 1: Economic Club of New York. UH. She has a bachelor's

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Speaker 1: degree in International Affairs in French Lafayette College, and she

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Speaker 1: holds the Masters of Science and Foreign Service with the

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Speaker 1: concentration and International Business with Georgetown University. Nowhere in there

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Speaker 1: did you hear me say banking. But so she found

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Speaker 1: a way to use her talents and soft skills to

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Speaker 1: manage and navigate a business that people only relate to

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Speaker 1: hard skills are say money. As we say, please understand

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Speaker 1: the credit comes from the latter wo work credit to

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Speaker 1: which really means credibility and capital comes to the latterin room,

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Speaker 1: were capitas, which is knowledge in the head. She's got

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Speaker 1: both of those. She's got curnability, she's got knowledge that

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Speaker 1: she also has heart. And ladies and gentlemen, welcome my friend,

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Speaker 1: Kelly Carl John. It's so nice to be with you today.

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Speaker 1: You're making me blush. But thank you for that very

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Speaker 1: kind introduction, my my deep pleasure. Let's get into this.

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Speaker 1: So first question, how should become such a just a

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Speaker 1: decent human being? Like I'm always shocked by this. When

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Speaker 1: somebody is powerful and and wealthy and well to do

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Speaker 1: and successful, they're not a jerk. I mean, there's a

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Speaker 1: lot of folks I meet who are just impressed with

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Speaker 1: themselves and they come down with a case of seriousness.

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Speaker 1: They really believe that they are, for lack of better word,

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Speaker 1: better than other people. I've never got that impression you're

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Speaker 1: extraordinarily normal. Where'd that come from? That came from my family? Probably.

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Speaker 1: I grew up in a really small town in Pennsylvania

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Speaker 1: outside of Scranton, Pennsylvania, and in a big, loud, Italian

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Speaker 1: Irish family with a you know, a ton of relatives.

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Speaker 1: I think my father had fifty one first cousins. Sow

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Speaker 1: our dinners got really big. Yeah, our dinners and our

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Speaker 1: holidays are really big. And you know, I grew up

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Speaker 1: in a really you know, I do know I had

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Speaker 1: a very privileged upbringing in terms of the family, but

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Speaker 1: it was a very normal place to grow up. And um,

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Speaker 1: you know, I went to to public school up through

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Speaker 1: high school, and and then high school, I went to

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Speaker 1: a prep school, and uh, you know, I didn't go

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Speaker 1: away to school, but I lived there was a Catholic

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Speaker 1: prep school, and you know, I think, you know, just

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Speaker 1: based on my parents, my grandparents, I was very very

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Speaker 1: close to my grandparents and um, the whole family. It

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Speaker 1: was just everybody believed in service, and everybody was really

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Speaker 1: authentic and nice. And I think it's just I think

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Speaker 1: it's just where I grew up. It's what I believe

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Speaker 1: is the right way to live your life. Scrappy is

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Speaker 1: the definition of a city like that reminds me in

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Speaker 1: many ways of South central ol Aan Compton. I mean,

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Speaker 1: that's not exactly what you think the CEO, one of

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Speaker 1: the largest banks and in the country and the world

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Speaker 1: would would come from. And yet you you claim it proudly. Yeah,

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Speaker 1: of course, of course a great part of the world.

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Speaker 1: It was a great place to grow up. I was

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Speaker 1: really lucky to grow up there. But it was a

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Speaker 1: city that went through some tough times. Grant it was

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Speaker 1: you know, it was big and coal. Yeah, and obviously

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Speaker 1: that uh is not where it is today, and that

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Speaker 1: that industry went by the wayside. Not industry I support either,

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Speaker 1: but um but you know, good people, a lot of immigrants, um, Italian,

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Speaker 1: Irish and Polish in particular um and and a real

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Speaker 1: melting plot. So it was. It was a really wonderful

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Speaker 1: place to grow up. I have to say, you know,

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Speaker 1: I teased you about maybe us some some sister and

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Speaker 1: U s I s t A but Italians. You know,

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Speaker 1: Italy is southern southern Europe, and it's and it's right

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Speaker 1: there in the Mediterranean and you know you have that

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Speaker 1: puddle of water there to call the Mediterranean Sea, and

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Speaker 1: just south that is North Africa. If I were you,

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Speaker 1: I'd do some DNA testing. You you you so you

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Speaker 1: know you're so cool, you might you might actually have

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Speaker 1: some some sister. Yeah, I'm gonna go someone like back

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Speaker 1: check my twenty three and me I could. Yeah, we've

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Speaker 1: part of our family from Naples, like outside of Naples, Avellino,

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Speaker 1: and another part from northern Italy. So I bet I do.

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Speaker 1: I mean, I'm I'm seventy one, I'm seventy Cameroon Black European,

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Speaker 1: which is uh, of course my white brothers and sisters

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Speaker 1: and rest as Asian, Indian and others. So if I

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Speaker 1: hate white people, I hate myself, you know, Indians and Asians,

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Speaker 1: I hate myself. Most people, if they do at DNA tests,

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Speaker 1: they'll be stunned, stunned at how much we have inter

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Speaker 1: related and in common. And most DNA is exactly the

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Speaker 1: same of our core DNA is exactly the same. And um,

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Speaker 1: and you are you know, articulating or showing your true

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Speaker 1: humanness through the way you operate everywhere. What what was

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Speaker 1: that lesson from mom and dad? You remember? Is there

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Speaker 1: something about mom and dad and what they do for

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Speaker 1: a living. By the way, so my father's a surgeon,

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Speaker 1: orthopedic surgeon. UM. And my mom, as we like to say,

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Speaker 1: could have run armies, could have been a general. She

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Speaker 1: ran all of us we were four kids. Um. And

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Speaker 1: but with the first woman on the board of my

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Speaker 1: high school, UM, which was pretty incredible. Um. And you know,

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Speaker 1: they believed in hard work um. And and doing your

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Speaker 1: best and being respectful um. And you know, as true

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Speaker 1: love and devotion to family and country. My father, uh,

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Speaker 1: you know was a surgeon when he uh and he

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Speaker 1: volunteered and went to Vietnam um as a medic um

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Speaker 1: four year when I was maybe two years old. And

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Speaker 1: we live with my grandparents for for that while he

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Speaker 1: was gone. So you know what I think you just

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Speaker 1: the example they said in their lives was one that

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Speaker 1: we all saw. So let's now pivot those core values

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Speaker 1: forward into your adult life. Now you've grown up, you've

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Speaker 1: gone to college. Uh, you're now in what some would

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Speaker 1: say as a man's world. UM. How did you navigate that.

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Speaker 1: How do you end up in banking? And when you

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Speaker 1: ended up in banking, what was the first real challenge

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Speaker 1: you remember where someone tried to make you feel less?

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Speaker 1: You know, it's interesting. So I never end I never

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Speaker 1: wanted to end up in banking, but I do feel

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Speaker 1: like I came full circle because my grandfather ran a bank,

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Speaker 1: a small bank, rebranches in Pennsylvania and George, Pennsylvania, UM.

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Speaker 1: And I used to go with him, you know, on

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Speaker 1: the weekends. I would go. I mean even during I

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Speaker 1: would go to the I would go into the bank

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Speaker 1: and while he would do all his numbers spread out,

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Speaker 1: I would be doing my you know, probably coloring. I

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Speaker 1: drove everybody crazy. I worked in the bank in the

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Speaker 1: summers and um and he was a real community banker,

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Speaker 1: UM and so. But that wasn't what I intended. I

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Speaker 1: went to school and I studied international affairs and French

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Speaker 1: and uh and then I decided, instead of getting an

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Speaker 1: m b A. It would probably be good to get

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Speaker 1: a grounding in finance on Wall Street. UH So why

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Speaker 1: not go? And that's when I started at JP Morgan.

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Speaker 1: They had a very strong, probably about a six month

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Speaker 1: training program that you had a lot of NBA professors

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Speaker 1: came in, and I just thought it would be more practical. Um,

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Speaker 1: and so that's you know, that's I was really going

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Speaker 1: to go into banking for a couple of years and

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Speaker 1: then think about that next chapter, whichever happened, because it's

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Speaker 1: an incredibly exciting, interesting field. It's so broad. There's so

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Speaker 1: many parts of finance, as you you know, I've done

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Speaker 1: a lot of different things, everything from M and A

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Speaker 1: to equity derivatives trading, to UH to private banking and

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Speaker 1: now to running a a bank in l A or

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Speaker 1: national but based in l A. So's I've done a

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Speaker 1: lot of different things. And I think my approach was

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Speaker 1: that I always wanted to be working with people I

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Speaker 1: respected and had fun with, and then I always want

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Speaker 1: to be learning. I'm curious, so I don't like to

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Speaker 1: if I get to set in my way, I don't

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Speaker 1: like to repeat too much. If something gets too comfortable,

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Speaker 1: I tend to say, what's the next thing that I'm

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Speaker 1: going to do that's uncomfortable. So I that's that's that's

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Speaker 1: how I ended up in banking. Um. You know, it's interesting,

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Speaker 1: you say. I also can be very focused and hardheaded,

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Speaker 1: so you know, I guess I I never you know,

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Speaker 1: especially early on, I don't think I ever really cared

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Speaker 1: that I was the only woman many times in the

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Speaker 1: room or or even um I thought about it, um

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Speaker 1: that much. But I but I do remember an interesting

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Speaker 1: right coming into JP Morgan and the training program. You know,

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Speaker 1: such a uh an institution as JP Morgan was, and

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Speaker 1: there was we did our global training program. I remember, uh,

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Speaker 1: you know, a lot from Europe came in and JP

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Speaker 1: Morgan has a strong history UM in in London. And

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Speaker 1: I remember a British guy turning to me at one point.

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Speaker 1: I actually think I had gotten you know, they graded us.

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Speaker 1: I think I had gotten a better a much better

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Speaker 1: grade than he had on a test. And he turned

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Speaker 1: to me at one point he said, you know, we

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Speaker 1: wouldn't have even let you into this bank. Uh, you

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Speaker 1: know ten years ago some people like somebody like you.

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Speaker 1: And and he was I don't think he really only

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Speaker 1: met woman. I think he met Italian because you know,

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Speaker 1: he was very proper British guy. UM. And I you know,

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Speaker 1: I just I just that that in me says, you know,

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Speaker 1: so what I'm gonna prove you on your that's it. Uh,

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Speaker 1: it calls you to get up earlier, stay up, laid,

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Speaker 1: work harder, double down. Haters make you better, Yeah, exactly.

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Speaker 1: You know, don't get angry, get even better. Yeah I don't.

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Speaker 1: I don't tend to get angry like that. Um And

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Speaker 1: you know, outwardly, I just tend to get focused. But

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Speaker 1: that's one of the benefits of being an immigrant or

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Speaker 1: a group on the outside supposedly, or a minority or

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Speaker 1: a woman is uh, you don't get that easy shot.

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Speaker 1: And if it doesn't, and so the shot that's taken

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Speaker 1: it you either crushes you or it refires you. And

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Speaker 1: and it causes you to double down and be even

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Speaker 1: more committed. And that emotion turns into a passion, right

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Speaker 1: and and there is a beauty, and there is some

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Speaker 1: beauty and being underestimated sometimes I love the surprise. I

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Speaker 1: mean I still have it today when I meet particularly

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Speaker 1: older man and they asked me what I do. And

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Speaker 1: I don't think they're trying to be patronizing, but when

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Speaker 1: I say that, you know, just the face drop when

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Speaker 1: they say, really, CEO of a bank, And I enjoy that,

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Speaker 1: um but and put it to use. Yeah. Yeah. And

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Speaker 1: Quincy Jones, going back to the nosey part, Quincy Jones, uh,

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Speaker 1: I would say to me, And I asked him, how

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Speaker 1: did you get so smart? He said, I'm just nosy

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Speaker 1: as hell. I want to know everything about everything. God

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Speaker 1: gave you two years in one mouth and listened twice

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Speaker 1: as much as I talk. There's something else that you mentioned.

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Speaker 1: I think it's really important to success and it's and

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Speaker 1: I focus on and obsessed on it in my book

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Speaker 1: From Nothing and that piece where you said you were

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Speaker 1: you went to. Your grandfather was a bank CEO, and

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Speaker 1: you wouldn't hung out there. People model what they see,

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Speaker 1: you know. Why the kids. Let's just real talk, man.

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Speaker 1: Why are kids in the inner city right there in

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Speaker 1: south central l A where you are right here on

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Speaker 1: the east side of Atlanta where I am, or everybody

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Speaker 1: listening to this around the country can relate. Why is

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Speaker 1: that kid want to be a a rap start nothing

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Speaker 1: wrong with it, an athlete, nothing wrong with it, or

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Speaker 1: a drug dealer everything wrong with it? Because they're modeling

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Speaker 1: what they see. I mean, it's common sense. You know.

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Speaker 1: If all you see is as symbol as a success

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Speaker 1: or those things, then that's who you want to be.

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Speaker 1: It's not some stupid decision. It's a rational decision. We

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Speaker 1: have got to give them something different to see, and

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Speaker 1: you were given by your grandfather. The problem I have

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Speaker 1: with rappers and with with basketball players, of for the

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Speaker 1: pro athletes is it's such a singular personality driven unique

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Speaker 1: limited access opportunity. I need things that people that everybody

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Speaker 1: can do. It is why I want women to obsess

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Speaker 1: on you, because everybody could access banking. I mean, heck,

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Speaker 1: you're hiring right now. Um, we'll get into that before

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Speaker 1: we before we stopped, before we stop the interview. But

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Speaker 1: I love my friends c I and all my rappers

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Speaker 1: and and all my friends. I love it. But there's

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Speaker 1: only one t I. There's only one Oprah, right, and

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Speaker 1: and but there could be a thousand Kelly's right. So

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Speaker 1: the fact that you were there and you watch your

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Speaker 1: your granddad do this magic, Uh, it became normal for

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Speaker 1: you to be in that environment. Uh, to see see

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Speaker 1: people investing, to see people with balance sheets, and and

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Speaker 1: all of a sudden, now you're comfortable, so much so

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Speaker 1: that you're not even, as you said, thinking about the

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Speaker 1: fact that you're the only woman in a room. M

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Speaker 1: it's beautiful and we and and so you've got that confidence.

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Speaker 1: But clearly you all clearly, you also have self esteem,

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Speaker 1: which is different, right, which is which is the value

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Speaker 1: that that's that's the childhood I had, right, I had

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Speaker 1: great parents of family that supported me and whatever I

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Speaker 1: wanted to do. That's why I say I was. I

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Speaker 1: was incredibly lucky, um, to have in a great education,

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Speaker 1: which is core to doing anything. Uh. And it's something

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Speaker 1: I believe in and and spend time on one of

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Speaker 1: you know, and I think you've got a model. You know.

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Speaker 1: One of the things one of the great organizations I

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Speaker 1: was on the board on for probably fifteen plus years

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Speaker 1: in New York was KIP NYC, amazing charter school started

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Speaker 1: by Dave Levin. He's incredible guy. Um. And we would

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Speaker 1: always take our kids. We started in fourth grade. We

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Speaker 1: now go okay, all the way through twelve. But and

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Speaker 1: we would always take our kids to go see a college.

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Speaker 1: They had never been out of the Bronx, many of them.

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Speaker 1: And so you've got to see it. And then yeah, absolutely,

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Speaker 1: So let's not get into the meat of what does

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Speaker 1: it take to be successful as a woman, And let's

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Speaker 1: not let's just say anybody believes it's the same as

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Speaker 1: a man who is row right, I mean just as

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Speaker 1: a black man in business. When I walk in the room,

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Speaker 1: real talk, people looking at my shoes, my suit. Uh,

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Speaker 1: they're they're wondering what kind of car pulled up in.

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Speaker 1: These are things don't happen to a black white man

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Speaker 1: in business. Nobody cares what car that the white guy

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Speaker 1: will pulls up in, or that he had a car service.

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Speaker 1: I remembers with the FBI C chairman years and years ago.

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Speaker 1: He won't mind me saying, it's Don pal He's a

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Speaker 1: friend of mine. When I pulled up Kelly, he was talking,

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Speaker 1: you know, what do you think people think about the

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Speaker 1: fact that you're pulled up in a limousine and you're

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Speaker 1: wearing this fancy suit. I said, Don, Chairman pal Um,

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Speaker 1: that one a limousine. That was a car service. I

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Speaker 1: was sitting in the front, not the back. Everybody in Washington,

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Speaker 1: d C. Is a car service. Why are you picking

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Speaker 1: on me? What's the big deal? And that my six

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Speaker 1: thousand dollar suits not a five thousand dollars suit. I

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Speaker 1: can't help it about look good in the suit and

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Speaker 1: you don't, right, don't don't pick on me. And as

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Speaker 1: far as what people think about me, we should wouldn't

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Speaker 1: you want every so called poor person to be just

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Speaker 1: like me. I paid my taxes by time I finished

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Speaker 1: with him, Kelly, I warned about so bad, so bad.

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Speaker 1: He was trying to change the topic as quick as

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Speaker 1: he could because now he was embarrassed because he realized

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Speaker 1: his own unconscious bias, and to his credit, he acknowledged

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Speaker 1: that he acknowledge that. But there's so much of that,

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Speaker 1: and when you walk in the room, people are thinking

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Speaker 1: about everything else, but how smart you are? Right? So

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Speaker 1: what when? What's what suggestions? What thoughts? What recommendations council

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Speaker 1: do you have for women in the game right now

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Speaker 1: and women trying to come up and drab and grab

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Speaker 1: that lab? Yeah, it's uh so, I have a lot

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Speaker 1: of suggestions because look, everybody, everybody as an inherent bias.

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Speaker 1: Everybody's making judgments about you all the time, and you

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Speaker 1: can't let that define you. So that's that's the decision

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Speaker 1: you have to make. And one of the I think

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Speaker 1: the most important thing that I see women struggle with it,

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Speaker 1: and myself included, is that confidence, that self confidence that

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Speaker 1: I can do it and always showing that self confidence.

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Speaker 1: And I, you know, I I have offered many people

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Speaker 1: jobs and promotions throughout my thirty plus years in my

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Speaker 1: various roles, and I can tell you i'd say almost

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Speaker 1: almost every but at least eighty or nine of the

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Speaker 1: women have stopped and said, I'm not sure I'm ready

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Speaker 1: for that job. I'm not sure I have these five skills,

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Speaker 1: but not these five skills, you know. And and I

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Speaker 1: have never had a man say that to me, never, never,

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Speaker 1: so you know, and I always say them, yes you can.

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Speaker 1: I you know, I think most men walked in and

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Speaker 1: thought they could do my job better than I was

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Speaker 1: doing my job. That's the way they were, you know, trained,

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Speaker 1: or that's the that's the confidence. So I think number one,

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Speaker 1: it's competence and find that place to get your confidence.

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Speaker 1: And sometimes that has to be Sometimes it can be

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Speaker 1: a great person. I've had great um mentors and people

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Speaker 1: that I've worked with, both senior and junior. To me,

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Speaker 1: you can learn just as much. And sometimes you just

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Speaker 1: need a group of friends who will be the ones

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Speaker 1: to say you're crazy and and talk to you uh

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Speaker 1: and get you to that place. I've had, you know,

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Speaker 1: wonderful uh friends and networks around and sometimes I pick

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Speaker 1: up the phone and say, hey, am I nuts here,

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Speaker 1: and you know they'll they'll make sure you have that confidence.

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Speaker 1: But I think that's number one. You've got to do

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Speaker 1: the work, absolutely hard work, but you know everybody does that.

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Speaker 1: Um that comes to us saying you've got to know

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Speaker 1: what your stuff is. But you've got to have the

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Speaker 1: confidence to speak up and know that you're good enough

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Speaker 1: to do and and to take some risk. I mean,

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Speaker 1: I think that's the second thing I would say for everybody,

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Speaker 1: not just women, but I think take I've taken a

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Speaker 1: bunch of different risks in my career, taking jobs that

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Speaker 1: people thought I was crazy, that I was maybe going

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Speaker 1: sideways or backwards, But for me, I was filling in

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Speaker 1: a skill gap, I was learning, I was interested, and

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Speaker 1: then you accelerate. So you can't be that afraid of

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Speaker 1: what people are gonna say. You can explain why you're

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Speaker 1: doing something, but you know if they don't, if they

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Speaker 1: don't get it, that's fine as long as you've thought

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Speaker 1: it through and you have the confidence to do it.

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Speaker 1: I think that's number one. So the third, third, fourth

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Speaker 1: law of my of my five laws, uh in my

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Speaker 1: book Up from Nothing, there's five rules that I put

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Speaker 1: in there is self esteeming confidence and confidence comes from competence.

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Speaker 1: So if you're confidence, you will be confident. But self esteem,

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Speaker 1: what you're now talking about, comes from esteeming yourself. If

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Speaker 1: I don't like me, I'm not gonna like you. If

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Speaker 1: I don't feel good about me, I'm not gonna feel

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Speaker 1: good about me. If I don't love me, how the

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Speaker 1: heck am I gonna love you? And here's a big one.

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Speaker 1: If I don't have a purpose in my life, I'll

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Speaker 1: make your life a living hell. Whatever goes around comes around.

427
00:21:57,520 --> 00:22:01,119
Speaker 1: A lot of people don't really like themselves and so

428
00:22:01,240 --> 00:22:05,040
Speaker 1: they pick on other people like that British guy picked

429
00:22:05,080 --> 00:22:08,560
Speaker 1: on you. Yep. You can't take that stuff personal. You can't,

430
00:22:08,920 --> 00:22:11,160
Speaker 1: and you have to know. It's that's why I think.

431
00:22:12,119 --> 00:22:13,760
Speaker 1: You know we started here, and you know, how are

432
00:22:13,880 --> 00:22:16,680
Speaker 1: you when you're when you're an authentic, nice person? You know,

433
00:22:16,760 --> 00:22:20,280
Speaker 1: when somebody else is miserable or mean, that's that's kind

434
00:22:20,280 --> 00:22:22,879
Speaker 1: of what that's them about themselves. It's not about you.

435
00:22:23,040 --> 00:22:26,200
Speaker 1: Their their life isn't happy or something in there. You

436
00:22:26,240 --> 00:22:28,800
Speaker 1: know there that it's just about them and you can't

437
00:22:28,840 --> 00:22:31,240
Speaker 1: make it about you. And I just think I feel

438
00:22:31,280 --> 00:22:34,000
Speaker 1: sorry for people who are like that. Um, and I

439
00:22:34,080 --> 00:22:35,800
Speaker 1: don't I don't want to. I don't want to work

440
00:22:35,840 --> 00:22:37,920
Speaker 1: with them. I mean, I like to say. People ask

441
00:22:38,000 --> 00:22:40,240
Speaker 1: me how to keep the culture of our bank special,

442
00:22:40,400 --> 00:22:42,200
Speaker 1: and you know a lot of times my very quick

443
00:22:42,200 --> 00:22:44,000
Speaker 1: answer is just don't hire any jerks, and if we

444
00:22:44,119 --> 00:22:49,240
Speaker 1: make any mistakes, get them out. We'll be fine. Yes,

445
00:22:49,640 --> 00:22:57,119
Speaker 1: get about's absolutely no toxicity right now. Let's compete externally,

446
00:22:57,160 --> 00:23:01,359
Speaker 1: not internally. That only worse than being alone is wishing

447
00:23:01,400 --> 00:23:06,280
Speaker 1: that you were. As Dr King would say, I refused

448
00:23:06,320 --> 00:23:11,200
Speaker 1: to finance my own oppression. That so so, Kelly, what

449
00:23:11,440 --> 00:23:14,119
Speaker 1: I don't know about you, But the the only um

450
00:23:14,640 --> 00:23:18,679
Speaker 1: challenges I've had to my leadership are people who actually

451
00:23:18,760 --> 00:23:21,080
Speaker 1: I hired, who came from the inside, who in my

452
00:23:21,240 --> 00:23:24,840
Speaker 1: case were were Caucasian who thought that that I was

453
00:23:24,880 --> 00:23:28,600
Speaker 1: an empty suit and or whatever they thought. I don't know, Uh,

454
00:23:28,920 --> 00:23:30,040
Speaker 1: you know, I thought that I was what I was

455
00:23:30,080 --> 00:23:31,920
Speaker 1: doing was easy, and they were gonna unseat me. And

456
00:23:32,000 --> 00:23:34,560
Speaker 1: this is so you know, they've never it's never succeeded,

457
00:23:34,920 --> 00:23:38,920
Speaker 1: but but but it was. It was, you know, entertaining

458
00:23:38,960 --> 00:23:43,440
Speaker 1: to watch somebody underestimate to their detriment, right And I'm

459
00:23:43,520 --> 00:23:45,800
Speaker 1: sure you've had some of that same experience. And I

460
00:23:46,359 --> 00:23:48,760
Speaker 1: what I want people to listen to this to know

461
00:23:49,400 --> 00:23:52,160
Speaker 1: is it capitalism is a gladiator sport. Like, don't take

462
00:23:52,240 --> 00:23:56,280
Speaker 1: this stuff personal. It's not personal. People want what they

463
00:23:56,359 --> 00:23:57,800
Speaker 1: want and if you're in the way, they'll try to

464
00:23:57,880 --> 00:23:59,600
Speaker 1: run you over to get it. But you want to

465
00:23:59,640 --> 00:24:03,119
Speaker 1: see you should be doing like Kelly has done, step

466
00:24:03,960 --> 00:24:07,879
Speaker 1: in it and always it is true. I think, um,

467
00:24:08,560 --> 00:24:12,960
Speaker 1: you have to you have to not take things personally,

468
00:24:13,119 --> 00:24:16,119
Speaker 1: and it can be very hard, particularly early in your

469
00:24:16,200 --> 00:24:19,399
Speaker 1: career when you know, when you're I see a lot

470
00:24:19,440 --> 00:24:21,600
Speaker 1: of young people they come in and they're straight A students.

471
00:24:21,680 --> 00:24:23,280
Speaker 1: They do really, really well. Then they get to the

472
00:24:23,920 --> 00:24:27,000
Speaker 1: get to the office and um or you know, into

473
00:24:27,160 --> 00:24:30,280
Speaker 1: their job and they're getting feedback that they're not perfect.

474
00:24:30,960 --> 00:24:34,760
Speaker 1: And the way you respond to that feedback is one

475
00:24:34,760 --> 00:24:36,800
Speaker 1: of the reasons athletes or someone who's played in a

476
00:24:36,880 --> 00:24:39,000
Speaker 1: team is so good at this is they take the

477
00:24:39,080 --> 00:24:42,840
Speaker 1: feedback and it's kind of what's the next play? Don't

478
00:24:42,920 --> 00:24:46,040
Speaker 1: obsess about and I and I had to. I definitely

479
00:24:46,119 --> 00:24:49,440
Speaker 1: had to learn that, UM to make sure that you

480
00:24:49,720 --> 00:24:52,120
Speaker 1: you de personalize and that the other thing I tell

481
00:24:52,640 --> 00:24:55,359
Speaker 1: people who are starting to ask for feedback, you know

482
00:24:55,480 --> 00:24:57,720
Speaker 1: what is what is it that that you need to

483
00:24:57,760 --> 00:24:59,520
Speaker 1: do better. What is it you can do better? People

484
00:24:59,560 --> 00:25:01,560
Speaker 1: don't like to give it all the time, but if

485
00:25:01,600 --> 00:25:04,600
Speaker 1: you make it easy for them to give you feedback,

486
00:25:04,640 --> 00:25:07,320
Speaker 1: and I think particularly with women, I would say, you know,

487
00:25:08,000 --> 00:25:11,920
Speaker 1: just take the feedback and if you never cry in

488
00:25:12,000 --> 00:25:15,240
Speaker 1: front of someone. And a lot of men who work

489
00:25:15,280 --> 00:25:17,440
Speaker 1: in positions I have seen over the years are just

490
00:25:17,480 --> 00:25:19,919
Speaker 1: they're kind of afraid that they give the tough feedback,

491
00:25:20,320 --> 00:25:21,760
Speaker 1: they're going to cry and they don't want to crying

492
00:25:21,800 --> 00:25:23,840
Speaker 1: woman in their office. So you know, I just always

493
00:25:23,840 --> 00:25:26,199
Speaker 1: say to people, please, please, just like and by the way,

494
00:25:26,240 --> 00:25:29,560
Speaker 1: I've had two men cry feedback and on the trading

495
00:25:29,680 --> 00:25:31,600
Speaker 1: like a tough situation in my I've had a couple

496
00:25:31,600 --> 00:25:33,560
Speaker 1: of men cry not And I said, women, just get

497
00:25:33,640 --> 00:25:34,800
Speaker 1: up and walk out of the room and say I

498
00:25:34,840 --> 00:25:36,000
Speaker 1: want to I'm gonna come back and talk to you

499
00:25:36,000 --> 00:25:37,320
Speaker 1: about that if you feel like you can't, but do

500
00:25:37,440 --> 00:25:42,280
Speaker 1: not crye So so this, I mean, I just wrote

501
00:25:42,359 --> 00:25:45,040
Speaker 1: this thing down. It chills down my spine when you

502
00:25:45,119 --> 00:25:48,200
Speaker 1: said it should be the title of this episode. What's

503
00:25:48,240 --> 00:25:50,879
Speaker 1: the next play? I mean, that is so elegant, that

504
00:25:51,040 --> 00:25:55,479
Speaker 1: is so everything, Like never ever, ever, ever, ever, give up.

505
00:25:55,840 --> 00:25:57,480
Speaker 1: Don't let the perfect be the death of the good.

506
00:25:58,640 --> 00:26:01,879
Speaker 1: Brush you brush yourself off. It's hard to hit a

507
00:26:01,920 --> 00:26:05,080
Speaker 1: moving target. What's the next play? God, what a beautiful

508
00:26:05,400 --> 00:26:08,760
Speaker 1: analogy it is. And this thing about I mean, real talk.

509
00:26:08,960 --> 00:26:11,119
Speaker 1: Don't cry if you're a woman in front of a

510
00:26:11,200 --> 00:26:14,640
Speaker 1: man going to go into the powder room or whatever,

511
00:26:14,680 --> 00:26:17,520
Speaker 1: it gets yourself together. But don't deny your feelings, right,

512
00:26:17,600 --> 00:26:20,920
Speaker 1: don't don't bury that. Just understand that you're you're not

513
00:26:21,040 --> 00:26:23,680
Speaker 1: in a level playing field and they're expecting you to

514
00:26:23,800 --> 00:26:27,000
Speaker 1: do to crack if you're a black woman washing it.

515
00:26:27,440 --> 00:26:31,480
Speaker 1: Real talk now, don't roll your eyes, don't don't do

516
00:26:31,560 --> 00:26:35,639
Speaker 1: that thing with your head. Don't don't when somebody pops

517
00:26:35,680 --> 00:26:40,119
Speaker 1: off and says something that's insensitive, maybe even racist, step

518
00:26:40,200 --> 00:26:42,960
Speaker 1: over and not in it. Do not get emotional, because

519
00:26:43,000 --> 00:26:44,920
Speaker 1: whatever decision you make emotionally in business is going to

520
00:26:44,960 --> 00:26:46,879
Speaker 1: be the wrong decision. Then they say, see, I told you,

521
00:26:47,520 --> 00:26:49,280
Speaker 1: I told you they couldn't hand it. I told you

522
00:26:49,320 --> 00:26:51,560
Speaker 1: they are emotional. Say she's cursing me out. I told

523
00:26:51,560 --> 00:26:54,159
Speaker 1: you this, how she's a hand working in front of clients.

524
00:26:54,280 --> 00:26:58,119
Speaker 1: People forget the insult, and they was, and all they

525
00:26:58,160 --> 00:27:01,399
Speaker 1: remembers how you reacted, they just start to avoid. I mean,

526
00:27:01,480 --> 00:27:04,280
Speaker 1: one of the things I've seen I had a great

527
00:27:04,359 --> 00:27:06,679
Speaker 1: group of We had a great group of women. It's

528
00:27:06,720 --> 00:27:08,639
Speaker 1: still a jpmorg and still friends of mine. And we

529
00:27:08,760 --> 00:27:11,239
Speaker 1: used to always promise that we tell each other. Well.

530
00:27:11,280 --> 00:27:13,440
Speaker 1: First of all, we did two things. I think we're great. One,

531
00:27:13,920 --> 00:27:16,240
Speaker 1: we always talked each other up when we were in

532
00:27:16,880 --> 00:27:19,680
Speaker 1: other situations without them, like, you know, wow, so and

533
00:27:19,760 --> 00:27:21,639
Speaker 1: so is amazing, she needs a bigger job. She just

534
00:27:21,720 --> 00:27:23,480
Speaker 1: did this, because the guys do that a lot, right,

535
00:27:23,520 --> 00:27:25,680
Speaker 1: So we did that. The second thing we always did

536
00:27:26,119 --> 00:27:29,359
Speaker 1: is we promised we would tell each other what what

537
00:27:29,680 --> 00:27:32,919
Speaker 1: was the negative? What would what would people say? Right?

538
00:27:33,000 --> 00:27:34,960
Speaker 1: What are the things that because there's always a story

539
00:27:35,000 --> 00:27:37,639
Speaker 1: out there about someone, Oh yes she's great, but this

540
00:27:38,400 --> 00:27:40,200
Speaker 1: and you you need people to tell you the truth

541
00:27:40,320 --> 00:27:42,280
Speaker 1: in a way that you can take it. And if

542
00:27:42,320 --> 00:27:44,840
Speaker 1: you don't hear that truth, then then you just don't,

543
00:27:45,480 --> 00:27:47,480
Speaker 1: you know. I saw many times where women weren't getting

544
00:27:47,520 --> 00:27:49,320
Speaker 1: the right feedback. That's why that's why I think feedback

545
00:27:49,359 --> 00:27:51,600
Speaker 1: is important. And they didn't know why. They thought they

546
00:27:51,640 --> 00:27:54,359
Speaker 1: were doing great, but they weren't reaching their goals. And

547
00:27:54,600 --> 00:27:57,399
Speaker 1: it's because nobody was being straight with them and they

548
00:27:57,480 --> 00:27:59,920
Speaker 1: had real things to work on. Sometimes or you know,

549
00:28:00,040 --> 00:28:03,040
Speaker 1: sometimes it can be perception. But as I told you know, yeah,

550
00:28:03,080 --> 00:28:05,720
Speaker 1: as I say, perception is reality for people, You've got

551
00:28:05,800 --> 00:28:08,399
Speaker 1: to change their perception sometimes to get what you want.

552
00:28:08,480 --> 00:28:11,560
Speaker 1: So just you know, don't don't fight it and say

553
00:28:11,600 --> 00:28:14,240
Speaker 1: it's not true, figure out how to fix it. I'm

554
00:28:14,240 --> 00:28:15,960
Speaker 1: gonna say something that's a bit of a leap of

555
00:28:16,000 --> 00:28:17,920
Speaker 1: faith here, and you please feel free to disagree with

556
00:28:18,040 --> 00:28:20,920
Speaker 1: me when I say this, but it strikes me as true.

557
00:28:21,880 --> 00:28:24,280
Speaker 1: Um for me, I never want the word but used

558
00:28:24,320 --> 00:28:27,920
Speaker 1: for me when I leave a room, um uh. And

559
00:28:28,040 --> 00:28:30,520
Speaker 1: I can say when when you when when when you've

560
00:28:30,600 --> 00:28:33,040
Speaker 1: left a room with me, or I've left a room

561
00:28:33,119 --> 00:28:37,080
Speaker 1: with you. I've never turned to anybody and said, you know, Kelly,

562
00:28:37,200 --> 00:28:40,400
Speaker 1: is it pretty? Is pretty? Impressive? But or I like her?

563
00:28:40,480 --> 00:28:42,239
Speaker 1: But I never use the word both. I don't use

564
00:28:42,240 --> 00:28:44,400
Speaker 1: that word Tony Restor, who we both know, who I love.

565
00:28:44,680 --> 00:28:47,000
Speaker 1: I don't use that word with you, know. I mean,

566
00:28:47,200 --> 00:28:48,800
Speaker 1: there's a whole list of people that we can go

567
00:28:48,880 --> 00:28:50,720
Speaker 1: down the line with the You and I both respect

568
00:28:50,760 --> 00:28:53,240
Speaker 1: and admire men and women. We don't use that word.

569
00:28:53,280 --> 00:28:56,160
Speaker 1: But but but and when you're a person of color

570
00:28:56,440 --> 00:28:59,560
Speaker 1: or a woman, you really can't afford in your formative

571
00:28:59,640 --> 00:29:02,000
Speaker 1: years to have somebody to say when you're out of

572
00:29:02,000 --> 00:29:05,080
Speaker 1: the room. But so, I never want somebody to say, oh,

573
00:29:05,160 --> 00:29:08,240
Speaker 1: you know I respect John Bryan, but you know you

574
00:29:08,320 --> 00:29:10,840
Speaker 1: know I want that. You never want that. But but

575
00:29:11,360 --> 00:29:13,400
Speaker 1: but you need to know if people are saying, as

576
00:29:13,480 --> 00:29:16,120
Speaker 1: you can fix it. Like I've had people who've worked

577
00:29:16,160 --> 00:29:18,040
Speaker 1: for me before and I've said, look, I would love

578
00:29:18,120 --> 00:29:20,840
Speaker 1: to give you this job, but you're too emotional. And

579
00:29:20,880 --> 00:29:22,800
Speaker 1: when you're a leader, you got to bring the drama down.

580
00:29:22,840 --> 00:29:25,520
Speaker 1: You don't have to bring the drama up. Bringing the

581
00:29:25,640 --> 00:29:30,320
Speaker 1: drama down, no drama. And so but that that gives

582
00:29:30,360 --> 00:29:32,600
Speaker 1: people something to work on. Right then they say, okay,

583
00:29:33,080 --> 00:29:34,920
Speaker 1: So when you're in that situation, take a deep breath

584
00:29:35,840 --> 00:29:37,760
Speaker 1: and think about it. You don't always have to make

585
00:29:37,800 --> 00:29:39,680
Speaker 1: a decision in the moment. You don't have to react.

586
00:29:39,760 --> 00:29:42,600
Speaker 1: I I I like to collaborate. I like to hear

587
00:29:42,600 --> 00:29:45,280
Speaker 1: a lot of people's opinions. Sometimes people will will think

588
00:29:45,320 --> 00:29:48,120
Speaker 1: that maybe makes me a slower decision maker in certain situations.

589
00:29:48,200 --> 00:29:49,800
Speaker 1: But that's okay, because I think I make a better

590
00:29:49,880 --> 00:29:52,520
Speaker 1: decision um, And I want to hear the perspectives. And

591
00:29:52,560 --> 00:29:55,080
Speaker 1: I'm also then better at getting people behind my decisions

592
00:29:55,120 --> 00:29:57,600
Speaker 1: if I understand what the other points of view are

593
00:29:58,480 --> 00:30:00,440
Speaker 1: before I make it. If I come into a particularly

594
00:30:00,480 --> 00:30:03,600
Speaker 1: my job now and say we're doing this, we're doing that, right,

595
00:30:03,680 --> 00:30:05,400
Speaker 1: I mean, nobody's going to give me and I don't

596
00:30:05,400 --> 00:30:07,040
Speaker 1: always have the best idea in the room. I want

597
00:30:07,040 --> 00:30:09,400
Speaker 1: to hear from other people. And and so you have

598
00:30:09,560 --> 00:30:12,000
Speaker 1: to really think about that as you're as you become

599
00:30:12,040 --> 00:30:13,960
Speaker 1: a leader, and as you become more senior, how do

600
00:30:14,040 --> 00:30:17,520
Speaker 1: you make sure you're still approachable um, so that you

601
00:30:17,600 --> 00:30:19,280
Speaker 1: still get the best out of everybody and you get

602
00:30:19,320 --> 00:30:22,120
Speaker 1: the best ideas out on the table. So what I

603
00:30:22,240 --> 00:30:24,200
Speaker 1: heard you say there was if you just came in

604
00:30:24,240 --> 00:30:27,280
Speaker 1: the room and say we're doing X, you shut down creativity,

605
00:30:27,680 --> 00:30:30,880
Speaker 1: you shut down innovation and problem solving, and people just

606
00:30:30,920 --> 00:30:33,560
Speaker 1: say yes, ma'am and go on with it. And so

607
00:30:33,680 --> 00:30:35,440
Speaker 1: you may have made a good decision without a great one.

608
00:30:35,520 --> 00:30:37,040
Speaker 1: And so what you want to do is give let

609
00:30:37,120 --> 00:30:40,840
Speaker 1: it breathe not and and and you know it's funny,

610
00:30:40,840 --> 00:30:43,880
Speaker 1: I had a great um. Adina Friedman runs Nastac. She's

611
00:30:43,960 --> 00:30:48,640
Speaker 1: she's factory part. She's terriffic and she had a great

612
00:30:48,720 --> 00:30:50,560
Speaker 1: She found the same thing as she came in. As

613
00:30:50,560 --> 00:30:52,920
Speaker 1: we were comparing notes what she started doing, and I

614
00:30:52,920 --> 00:30:54,600
Speaker 1: hope I don't think she'd mind me sharing this. But

615
00:30:54,960 --> 00:30:57,240
Speaker 1: she basically said, you know, when you tell your team something,

616
00:30:57,320 --> 00:31:00,280
Speaker 1: but you don't mean you're just having an idea, UM

617
00:31:00,720 --> 00:31:03,400
Speaker 1: versus do it? She will say, light bulb, it's a

618
00:31:03,440 --> 00:31:05,080
Speaker 1: light bulb moment. That doesn't mean you do it. It

619
00:31:05,160 --> 00:31:07,080
Speaker 1: might be a bad idea, but it's it's it's a

620
00:31:07,120 --> 00:31:10,080
Speaker 1: movement versus I think it's mandate. I might have the

621
00:31:10,120 --> 00:31:13,080
Speaker 1: run or wrong. But when she's you know, something's decided

622
00:31:13,120 --> 00:31:15,320
Speaker 1: and she wants people to do it, it's it's a mandate,

623
00:31:15,520 --> 00:31:17,960
Speaker 1: like let's do this. But most of what we say

624
00:31:18,040 --> 00:31:20,360
Speaker 1: in meetings and things when we create, you know, is

625
00:31:20,800 --> 00:31:22,800
Speaker 1: a light bulb. And you do find as a leader

626
00:31:23,440 --> 00:31:26,760
Speaker 1: that people sometimes you know you have to stop the

627
00:31:26,840 --> 00:31:29,840
Speaker 1: unintended consequences. You say something and then a whole group

628
00:31:29,960 --> 00:31:33,080
Speaker 1: starts a project that you didn't even realize happened. Um,

629
00:31:33,280 --> 00:31:35,520
Speaker 1: And you need truth tellers around you or people to say,

630
00:31:35,560 --> 00:31:38,640
Speaker 1: she didn't mean that, stop UM. And so you or

631
00:31:38,720 --> 00:31:40,360
Speaker 1: find a way to deal with it, Like like I

632
00:31:40,400 --> 00:31:43,160
Speaker 1: think Adina has really really well. When you're when you're

633
00:31:43,200 --> 00:31:45,400
Speaker 1: more junior in your career, you have to figure out

634
00:31:45,440 --> 00:31:48,000
Speaker 1: a way to speak up in a way that people

635
00:31:48,080 --> 00:31:50,800
Speaker 1: hear you. And I definitely had that experience as a woman.

636
00:31:50,880 --> 00:31:52,120
Speaker 1: I don't know if it was as a woman or

637
00:31:52,200 --> 00:31:54,560
Speaker 1: just you know, when you say something and then somebody

638
00:31:54,600 --> 00:31:57,000
Speaker 1: says something five minutes later and it's exactly what you said,

639
00:31:57,040 --> 00:31:58,640
Speaker 1: but everybody all of a sudden thinks it's a great

640
00:31:58,640 --> 00:32:01,200
Speaker 1: idea and they didn't hear you. You know. The way

641
00:32:01,200 --> 00:32:02,760
Speaker 1: I've always thought about that is I didn't say it.

642
00:32:03,120 --> 00:32:05,280
Speaker 1: I didn't say it in a way that was impactful,

643
00:32:05,440 --> 00:32:08,200
Speaker 1: or something about how I said it wasn't impactful. So

644
00:32:08,240 --> 00:32:10,280
Speaker 1: I just kind of took it back on myself to

645
00:32:10,360 --> 00:32:13,200
Speaker 1: figure out how to do that as opposed to, um,

646
00:32:13,640 --> 00:32:15,760
Speaker 1: you know, be be negative about it at least that

647
00:32:15,840 --> 00:32:18,120
Speaker 1: you're you know, and I mean as a parent, you know.

648
00:32:18,280 --> 00:32:21,960
Speaker 1: I also I also love when my ideas or something

649
00:32:22,040 --> 00:32:23,960
Speaker 1: I say came back to me from my daughter and

650
00:32:24,040 --> 00:32:25,880
Speaker 1: she thought it was her own original thought. That meant

651
00:32:25,920 --> 00:32:27,720
Speaker 1: that she really was going to do it or she

652
00:32:27,800 --> 00:32:30,360
Speaker 1: believed it, Like that's a success to me. So the

653
00:32:30,480 --> 00:32:32,560
Speaker 1: leader you gotta like that, not feel like that was

654
00:32:32,600 --> 00:32:34,840
Speaker 1: my idea. And that's not the point. It's that that

655
00:32:35,040 --> 00:32:37,800
Speaker 1: person is supporting what your idea was. It doesn't really matter,

656
00:32:38,680 --> 00:32:40,920
Speaker 1: um that you get credit for it. Um. You know,

657
00:32:40,960 --> 00:32:43,120
Speaker 1: particularly my spot, I think there are moments where it

658
00:32:43,200 --> 00:32:45,160
Speaker 1: is important to get credit for it, but but not

659
00:32:45,280 --> 00:32:48,240
Speaker 1: where I am today. There's no limits of the good

660
00:32:48,320 --> 00:32:50,240
Speaker 1: you can do when you're not concerned about who gets

661
00:32:50,320 --> 00:32:54,000
Speaker 1: the credits. That's true. Uh and uh and and so

662
00:32:54,520 --> 00:32:57,520
Speaker 1: let's now we I think we I think women watching this,

663
00:32:57,640 --> 00:33:00,560
Speaker 1: girl's watching this, any of group to come up. You've

664
00:33:00,560 --> 00:33:04,560
Speaker 1: got now a good chunk of content of how to

665
00:33:04,880 --> 00:33:09,480
Speaker 1: manage challenges and problems when folks may be underestimating you,

666
00:33:09,560 --> 00:33:11,560
Speaker 1: and keep going and step over messing not in it.

667
00:33:11,680 --> 00:33:13,959
Speaker 1: I think you've gotten some lessons out. I'll see if

668
00:33:13,960 --> 00:33:16,200
Speaker 1: I can summarize. We pivot to the next topic. What

669
00:33:16,400 --> 00:33:20,360
Speaker 1: I think I hear Kelly saying, talk without being offensive,

670
00:33:21,440 --> 00:33:25,840
Speaker 1: listen without being defensive, and always leave even your adversary

671
00:33:25,920 --> 00:33:29,240
Speaker 1: with their dignity, because if you don't spend the rest

672
00:33:29,240 --> 00:33:32,280
Speaker 1: of their lives trying to make you miserable, it becomes

673
00:33:32,400 --> 00:33:36,080
Speaker 1: personal um. I also hear her saying, don't use twenty

674
00:33:36,120 --> 00:33:39,959
Speaker 1: words when two will do and uh and and if

675
00:33:40,040 --> 00:33:42,760
Speaker 1: you don't get the credit, get the results. Let's pivot

676
00:33:43,360 --> 00:33:47,280
Speaker 1: money access to capital. That's what the bank does. We're

677
00:33:47,280 --> 00:33:49,600
Speaker 1: not gonna talking about applications and all that kind of stuff.

678
00:33:49,600 --> 00:33:51,200
Speaker 1: I'm not gonna talk about the credit score, which I

679
00:33:51,240 --> 00:33:54,960
Speaker 1: obsess about. What's the psychology of banking, the psychology of

680
00:33:55,040 --> 00:33:57,120
Speaker 1: dealing with the city, national, or anybody. You know, you're

681
00:33:57,120 --> 00:33:59,360
Speaker 1: you're an entrepreneurity here, you're a small business owner right here,

682
00:33:59,400 --> 00:34:02,120
Speaker 1: You're what your consumer whoever? You are, your housewife, you're

683
00:34:02,440 --> 00:34:05,719
Speaker 1: your couple of building a family. You're trying to now

684
00:34:05,920 --> 00:34:08,359
Speaker 1: go out in this world and access capital and build

685
00:34:08,440 --> 00:34:12,120
Speaker 1: your brand, your financial brand, your balance sheet. What are

686
00:34:12,200 --> 00:34:15,800
Speaker 1: some big picture items that you want people to know

687
00:34:16,160 --> 00:34:20,560
Speaker 1: They're important as they begin to approach a bank beyond

688
00:34:20,680 --> 00:34:24,080
Speaker 1: the basics. You have a job, you you know, hopefully

689
00:34:24,120 --> 00:34:26,800
Speaker 1: you pay your bills so that your credit reflects that.

690
00:34:27,320 --> 00:34:29,840
Speaker 1: What are people paying attention to? Let me tease this

691
00:34:29,960 --> 00:34:32,880
Speaker 1: up to see if I'm right. You need a relationship

692
00:34:33,000 --> 00:34:35,120
Speaker 1: at that bank, if you can and not just be

693
00:34:35,239 --> 00:34:39,680
Speaker 1: a number somewhere. That's right, that's right, and that's what

694
00:34:39,880 --> 00:34:41,680
Speaker 1: City National is all about. That's one of the reasons

695
00:34:41,680 --> 00:34:45,279
Speaker 1: I fell in love with City National. And I'm here because, um,

696
00:34:45,360 --> 00:34:48,680
Speaker 1: as you said, we're we're headquarter in l A. We're

697
00:34:48,680 --> 00:34:54,800
Speaker 1: about people nine billion in assets, UM, so small relative

698
00:34:54,840 --> 00:34:57,040
Speaker 1: to the some of the megabanks, certainly where I came from.

699
00:34:57,400 --> 00:34:59,440
Speaker 1: But we're owned by a world Bank Canada, which is

700
00:34:59,480 --> 00:35:03,000
Speaker 1: a trillion US balance sheets. So what I think we

701
00:35:03,120 --> 00:35:06,120
Speaker 1: can really do is be that small relationship bank, but

702
00:35:06,239 --> 00:35:08,040
Speaker 1: still be able to do everything a big bank can

703
00:35:08,080 --> 00:35:11,960
Speaker 1: do and um. And that's where the relationship is really important.

704
00:35:11,960 --> 00:35:16,240
Speaker 1: So when you're thinking about banking, I do think people

705
00:35:16,360 --> 00:35:18,960
Speaker 1: forget that it's just people trying to help one another.

706
00:35:19,040 --> 00:35:20,800
Speaker 1: I mean, you know, maybe because I grew up with

707
00:35:20,800 --> 00:35:22,840
Speaker 1: the grandfather as a banker, I never really felt that

708
00:35:22,920 --> 00:35:26,200
Speaker 1: banks were evil because they're just people. Now, banks have

709
00:35:26,280 --> 00:35:28,400
Speaker 1: made a lot of mistakes, and I'm not excusing all

710
00:35:28,560 --> 00:35:32,000
Speaker 1: any any of those those things that that banks do, um,

711
00:35:32,239 --> 00:35:35,239
Speaker 1: that are wrong. But having been inside a bank and

712
00:35:35,400 --> 00:35:38,200
Speaker 1: a couple of banks, now, UM, there are really good

713
00:35:38,320 --> 00:35:42,120
Speaker 1: people in banks and um. And so I think humanizing

714
00:35:42,200 --> 00:35:44,360
Speaker 1: banking is is really important. And part of that is

715
00:35:44,880 --> 00:35:47,719
Speaker 1: wherever you're working with is find somebody you can have

716
00:35:47,880 --> 00:35:51,240
Speaker 1: a relationship with who will and take time to understand

717
00:35:51,280 --> 00:35:54,120
Speaker 1: your business. City National was built by entrepreneurs who nobody

718
00:35:54,200 --> 00:35:56,719
Speaker 1: would bank. Um. They were mostly in real estate and

719
00:35:56,880 --> 00:36:01,680
Speaker 1: entertainment and and and nobody. They were immigrants, um, a

720
00:36:01,760 --> 00:36:03,600
Speaker 1: lot of them were Jewish, and the banks of the

721
00:36:03,680 --> 00:36:06,880
Speaker 1: day wouldn't bank them. So I love it they started

722
00:36:06,920 --> 00:36:10,480
Speaker 1: their own bank, which I think is fantastic and and

723
00:36:10,640 --> 00:36:13,200
Speaker 1: became what City nationalists today. And we try to keep

724
00:36:13,280 --> 00:36:17,879
Speaker 1: that core um to everything we do. We're an entrepreneurial bank.

725
00:36:18,000 --> 00:36:22,920
Speaker 1: We understand the building of business, we understand risk, we

726
00:36:23,080 --> 00:36:25,640
Speaker 1: understand and so our bankers will strive to do that.

727
00:36:25,760 --> 00:36:27,799
Speaker 1: And I think so when you're someone approaching a bank,

728
00:36:27,840 --> 00:36:30,719
Speaker 1: whatever bank it is, trying there is there's not every

729
00:36:30,760 --> 00:36:34,000
Speaker 1: bank has that ethos but and we're not everywhere, but

730
00:36:34,160 --> 00:36:36,800
Speaker 1: I but I do think there's someone inside every bank

731
00:36:37,000 --> 00:36:39,560
Speaker 1: that has that ethos and you just have to find

732
00:36:39,640 --> 00:36:42,440
Speaker 1: that person who will take the time because you have

733
00:36:42,560 --> 00:36:44,040
Speaker 1: to do your homework. And the other thing you have

734
00:36:44,080 --> 00:36:48,520
Speaker 1: to understand about banks is we are highly regulated so

735
00:36:49,360 --> 00:36:53,239
Speaker 1: many times, uh, you know, and and there's a lot

736
00:36:53,280 --> 00:36:55,719
Speaker 1: of processes in banks. So many times when we look

737
00:36:55,800 --> 00:36:59,279
Speaker 1: like we're doing something stupid, we're doing it because of

738
00:36:59,680 --> 00:37:03,040
Speaker 1: some thing that's driving that. Many times it's it's regulations.

739
00:37:03,120 --> 00:37:05,399
Speaker 1: Sometimes it's just that we're bureaucratic and we're stupid. Don't

740
00:37:05,400 --> 00:37:07,080
Speaker 1: get me wrong. I'm always trying to find those places

741
00:37:07,120 --> 00:37:09,120
Speaker 1: where we're stupid and fix it. And so I want

742
00:37:09,120 --> 00:37:11,680
Speaker 1: to hear that from our clients, from our colleagues. But

743
00:37:12,000 --> 00:37:14,400
Speaker 1: but I think you have to understand that the bank

744
00:37:14,600 --> 00:37:18,440
Speaker 1: also has certain rules it has to follow. So if

745
00:37:18,520 --> 00:37:21,200
Speaker 1: you find somebody to have a relationship who will help

746
00:37:21,320 --> 00:37:24,280
Speaker 1: you explain that, and then it's about telling your story

747
00:37:24,360 --> 00:37:26,440
Speaker 1: in the right way. You're building a great business, You're

748
00:37:26,440 --> 00:37:30,160
Speaker 1: building a brand. Trust is critical. So if you if

749
00:37:30,200 --> 00:37:33,360
Speaker 1: you prove that you're coming through, you know you want to,

750
00:37:33,480 --> 00:37:35,640
Speaker 1: you want to come through on your promises. And I

751
00:37:35,719 --> 00:37:39,120
Speaker 1: think all of that builds access to capital. You know. Obviously,

752
00:37:39,360 --> 00:37:42,080
Speaker 1: I think we have issues around access to capital in

753
00:37:42,239 --> 00:37:45,080
Speaker 1: in many pockets, and the banks aren't always a solution

754
00:37:45,160 --> 00:37:49,080
Speaker 1: for that because of um some of the restrictions. We

755
00:37:49,120 --> 00:37:51,440
Speaker 1: can't give equity. There's certain things that you need, but

756
00:37:51,520 --> 00:37:55,200
Speaker 1: there but we can be connectors to other you know,

757
00:37:55,320 --> 00:37:59,200
Speaker 1: we can be connectors into that ecosystem of who who

758
00:37:59,280 --> 00:38:01,400
Speaker 1: should you talk about this? If we can't do it,

759
00:38:01,719 --> 00:38:03,480
Speaker 1: and then what can we do to help you as

760
00:38:03,520 --> 00:38:07,040
Speaker 1: you as you're building? Yep, So full disclosure and I'm

761
00:38:07,040 --> 00:38:11,239
Speaker 1: gonna give my own testimony here. Um. So, I had

762
00:38:11,320 --> 00:38:14,120
Speaker 1: a loan with City National in the commercial side of

763
00:38:14,160 --> 00:38:16,560
Speaker 1: the bank through my not my nonprofit, through my for

764
00:38:16,760 --> 00:38:22,200
Speaker 1: profit Promise Holmes company. Uh. I got that loan because, yes,

765
00:38:22,280 --> 00:38:26,040
Speaker 1: it was worthy. But I was introduced by a big client.

766
00:38:26,239 --> 00:38:28,960
Speaker 1: Who get me? Are able to get attention from one

767
00:38:29,000 --> 00:38:33,319
Speaker 1: of your bankers? Aaron? Who? Who? Who sized me up? Now?

768
00:38:33,400 --> 00:38:36,040
Speaker 1: Yeah he was being you know, Tony Restor introduced me.

769
00:38:36,120 --> 00:38:38,239
Speaker 1: But Aaron's job was to size me up? Is this

770
00:38:38,360 --> 00:38:42,120
Speaker 1: guy really not? And uh? And after that we we

771
00:38:42,360 --> 00:38:46,279
Speaker 1: did our initial transaction. When there was an issue, I

772
00:38:46,360 --> 00:38:49,560
Speaker 1: didn't want Tony to call. I wanted to call and

773
00:38:49,640 --> 00:38:52,040
Speaker 1: I wanted to call Aaron before he called me. I

774
00:38:52,160 --> 00:38:54,640
Speaker 1: wanted to call whoever was assigned to that account and

775
00:38:54,760 --> 00:38:57,040
Speaker 1: let them know, Hey, heads up, here's whatever it is,

776
00:38:57,120 --> 00:38:59,520
Speaker 1: you know, blah blah blah, here's was going to get

777
00:38:59,560 --> 00:39:03,400
Speaker 1: telling this story that that actually built trust, It built

778
00:39:03,400 --> 00:39:05,680
Speaker 1: confidently because they're like, Okay, I'm not gonna be surprised

779
00:39:05,719 --> 00:39:08,239
Speaker 1: by this guy. If there's If there's bad news, he's

780
00:39:08,239 --> 00:39:11,719
Speaker 1: gonna tell me first. Um and and and whenever he's

781
00:39:11,760 --> 00:39:13,440
Speaker 1: telling me, I can count on it and believe that

782
00:39:13,480 --> 00:39:16,040
Speaker 1: it's true. And and I never once called you, by

783
00:39:16,080 --> 00:39:18,719
Speaker 1: the way, on anything until I didn't call Kelly until

784
00:39:18,719 --> 00:39:21,279
Speaker 1: I paid the loan office. And I'm proud to say

785
00:39:21,280 --> 00:39:24,120
Speaker 1: it was a twenty in our alone by a black man. Hello. Um,

786
00:39:24,719 --> 00:39:26,400
Speaker 1: But I didn't call you to until I was done

787
00:39:26,440 --> 00:39:28,400
Speaker 1: because I I didn't want to ever burden the friendship.

788
00:39:29,000 --> 00:39:31,880
Speaker 1: Uh and and and so I think that we also

789
00:39:31,960 --> 00:39:34,279
Speaker 1: if your personal color watching this, you want to believe

790
00:39:34,320 --> 00:39:37,640
Speaker 1: in the James Brown version of affirmative action, open the door.

791
00:39:38,600 --> 00:39:41,400
Speaker 1: I'll get it myself. You want to earn your respect,

792
00:39:42,080 --> 00:39:46,160
Speaker 1: um and uh in in the two thousand, are alone

793
00:39:46,280 --> 00:39:50,120
Speaker 1: may turn into a you know two are alone as

794
00:39:50,160 --> 00:39:53,000
Speaker 1: you as you build your your your your bona fidees

795
00:39:53,080 --> 00:39:56,360
Speaker 1: with with the banker, but build your relationship with a

796
00:39:56,520 --> 00:39:59,040
Speaker 1: banker and not just with an app on the phone.

797
00:40:01,000 --> 00:40:03,799
Speaker 1: Well said, and you built a great business and we're

798
00:40:03,960 --> 00:40:06,200
Speaker 1: excited to be part of it. Thank you. Let's let's

799
00:40:06,239 --> 00:40:08,440
Speaker 1: now pivot in the times we got left. I know

800
00:40:08,560 --> 00:40:11,560
Speaker 1: you guys are really big on diversity and inclusion, um

801
00:40:11,920 --> 00:40:14,480
Speaker 1: and an opportunity, and I know their job is even

802
00:40:14,480 --> 00:40:18,200
Speaker 1: available there at the bank. Why don't you share with

803
00:40:18,320 --> 00:40:22,480
Speaker 1: the audience. Uh, well, it's your vision. What are you doing,

804
00:40:22,560 --> 00:40:24,320
Speaker 1: why are you doing it, why is it important? And

805
00:40:24,400 --> 00:40:28,880
Speaker 1: what comes next? Yeah, So I just very simply believe

806
00:40:29,200 --> 00:40:31,680
Speaker 1: that if I have a diverse team around me, I'm

807
00:40:31,680 --> 00:40:33,920
Speaker 1: going to build a better business and make better decisions.

808
00:40:33,960 --> 00:40:37,600
Speaker 1: It's it's It's as simple as that. And so you

809
00:40:37,680 --> 00:40:40,480
Speaker 1: know that has always been a priority for me in

810
00:40:40,560 --> 00:40:44,040
Speaker 1: every business I run. I've increased the diversity significantly. And

811
00:40:44,120 --> 00:40:47,360
Speaker 1: it's diversity in the typical way we talk about diversity,

812
00:40:47,440 --> 00:40:50,520
Speaker 1: whether it's sex or race, but it's but it's also

813
00:40:50,800 --> 00:40:53,719
Speaker 1: diversity of thought, which can be a little harder, right,

814
00:40:53,880 --> 00:40:57,840
Speaker 1: you know, finding those introverts. I tend to be attracted extroverts.

815
00:40:57,920 --> 00:41:00,440
Speaker 1: You talk a lot and can express themselves really well.

816
00:41:00,480 --> 00:41:03,160
Speaker 1: But sometimes you need some introverts around the table. Sometimes

817
00:41:03,200 --> 00:41:04,759
Speaker 1: you need some you can you know. I also tend

818
00:41:04,760 --> 00:41:06,759
Speaker 1: to be an optimist, so I need a cynic to

819
00:41:06,880 --> 00:41:08,840
Speaker 1: give me, you know, the other side. So you've got

820
00:41:08,920 --> 00:41:11,120
Speaker 1: to think about that as you as you build your team,

821
00:41:11,239 --> 00:41:13,839
Speaker 1: and and I believe it's better for our clients, better

822
00:41:13,880 --> 00:41:17,239
Speaker 1: for our business better, it's a more fun place to work. UM.

823
00:41:17,520 --> 00:41:20,800
Speaker 1: And so I've been really you have to sort of

824
00:41:20,880 --> 00:41:24,960
Speaker 1: think about every level. Then, So at City National we're

825
00:41:25,040 --> 00:41:30,399
Speaker 1: more than women. UM, we've got really strong we're more

826
00:41:30,440 --> 00:41:35,600
Speaker 1: than we're more than women. But I want to we

827
00:41:35,719 --> 00:41:38,239
Speaker 1: were not at the most senior levels. So of my

828
00:41:38,440 --> 00:41:43,680
Speaker 1: senior exacts, now we're we're over sixty of my executive community,

829
00:41:43,719 --> 00:41:47,880
Speaker 1: the top twenty people are diverse, about forty little over

830
00:41:48,680 --> 00:41:51,279
Speaker 1: women and we're continuing to work on that. Sevent My

831
00:41:51,360 --> 00:41:55,360
Speaker 1: highers have been diverse. And I didn't compromise on quality,

832
00:41:55,440 --> 00:41:58,839
Speaker 1: not even one little bit. I found fabulous people. Our

833
00:41:58,880 --> 00:42:01,279
Speaker 1: board is now we we added to women in the

834
00:42:01,400 --> 00:42:05,040
Speaker 1: last year, so five out our twelve directors UM are

835
00:42:05,120 --> 00:42:08,680
Speaker 1: female and we will certainly be get UM fairly soon.

836
00:42:08,880 --> 00:42:12,040
Speaker 1: So it you have to do bottoms up, but you

837
00:42:12,080 --> 00:42:14,800
Speaker 1: also have to start tops down so people see that

838
00:42:15,040 --> 00:42:18,040
Speaker 1: signal of we mean it, and and again they can

839
00:42:18,120 --> 00:42:20,560
Speaker 1: see it. And then I find as you get a

840
00:42:20,640 --> 00:42:24,239
Speaker 1: diverse leadership team, the heavy lifting is kind of done

841
00:42:24,320 --> 00:42:26,640
Speaker 1: because then it kind of it goes across the organization

842
00:42:26,680 --> 00:42:30,440
Speaker 1: and they're all building diverse teams as well. So, um,

843
00:42:30,560 --> 00:42:32,360
Speaker 1: you have to I think you have to measure it,

844
00:42:32,400 --> 00:42:33,800
Speaker 1: and I think you have to look at we we

845
00:42:33,920 --> 00:42:36,520
Speaker 1: look at the data, and we are looking at where

846
00:42:36,520 --> 00:42:40,719
Speaker 1: are we, for example, losing women or people of color,

847
00:42:40,800 --> 00:42:43,640
Speaker 1: what at what point and why? And if somebody's leaving,

848
00:42:44,000 --> 00:42:47,600
Speaker 1: do those exit interviews to understand why they're why they're going.

849
00:42:47,680 --> 00:42:50,800
Speaker 1: I was just reading an interesting study by Mackenzie that

850
00:42:51,000 --> 00:42:54,680
Speaker 1: said that for women, they're finding that that first promotion

851
00:42:54,880 --> 00:42:57,520
Speaker 1: might be the tougher spot. You know, what is it

852
00:42:57,719 --> 00:43:01,160
Speaker 1: that holds them back from that first emotion. Maybe that's

853
00:43:01,640 --> 00:43:03,080
Speaker 1: you know, the taking feedback some of the things we

854
00:43:03,160 --> 00:43:05,680
Speaker 1: talked about. And so now that's something where I asked

855
00:43:05,719 --> 00:43:07,440
Speaker 1: my team to say, Okay, let's go look at all

856
00:43:07,560 --> 00:43:10,160
Speaker 1: of our you know, entry level in each part and

857
00:43:10,600 --> 00:43:13,719
Speaker 1: how how are we promoting and let's make sure we've

858
00:43:13,760 --> 00:43:15,879
Speaker 1: got an eye or focus on that m to see

859
00:43:15,920 --> 00:43:17,399
Speaker 1: if it's true. I Mean, one of the things I'm

860
00:43:17,400 --> 00:43:19,760
Speaker 1: really proud about is, you know, I think the pandemic

861
00:43:19,840 --> 00:43:22,319
Speaker 1: was incredibly hard for women, and women took a real

862
00:43:23,120 --> 00:43:26,720
Speaker 1: um hit in the in the in the workforce. However,

863
00:43:26,800 --> 00:43:29,919
Speaker 1: it's city national. We increased our percentage of women through

864
00:43:30,040 --> 00:43:33,160
Speaker 1: the pandemic, did not decrease, and I'm really proud of that.

865
00:43:33,600 --> 00:43:36,560
Speaker 1: That doesn't mean I don't feel terrible about the broader um.

866
00:43:37,320 --> 00:43:39,640
Speaker 1: You know, industry or business we'd like to do and

867
00:43:39,840 --> 00:43:42,560
Speaker 1: you know, we've done things like double maternity leave, you know,

868
00:43:42,680 --> 00:43:45,080
Speaker 1: make sure we've got colleague resource groups hearing what the

869
00:43:45,160 --> 00:43:48,440
Speaker 1: issues are and making sure we're helping, whether it's healthcare, etcetera.

870
00:43:48,560 --> 00:43:52,080
Speaker 1: But I I just believe it's a it's a stronger

871
00:43:52,200 --> 00:43:55,600
Speaker 1: business if you do that, and so therefore, and everybody

872
00:43:55,680 --> 00:43:58,040
Speaker 1: I hire believes the same. So once you get enough

873
00:43:58,080 --> 00:44:01,400
Speaker 1: people around you that believe the same thing, it's it's pretty.

874
00:44:01,600 --> 00:44:05,200
Speaker 1: It's a it's a it's a beautiful thing. It is

875
00:44:05,239 --> 00:44:07,880
Speaker 1: a beautiful thing. And it reminds me when you mentioned

876
00:44:08,280 --> 00:44:13,320
Speaker 1: the percentages of the country Rwanda, where the majority of

877
00:44:14,640 --> 00:44:18,360
Speaker 1: those in government are women. Um in a country that

878
00:44:18,920 --> 00:44:22,680
Speaker 1: dealt with genocide and uh um, you know, it is

879
00:44:22,719 --> 00:44:26,200
Speaker 1: now one of the most peaceful countries in all of Africa. Rwanda,

880
00:44:26,400 --> 00:44:29,400
Speaker 1: Kali is very peaceful now and there are no where there,

881
00:44:29,480 --> 00:44:33,200
Speaker 1: no hutu, no tutsis it's just Rwanda's um. And so

882
00:44:33,320 --> 00:44:36,399
Speaker 1: they found that they're better together. I think what you're

883
00:44:36,440 --> 00:44:39,600
Speaker 1: saying is you're finding this institution. When you bring all

884
00:44:39,680 --> 00:44:42,600
Speaker 1: these pieces together, you're better together. Two plus two equals six.

885
00:44:43,280 --> 00:44:46,320
Speaker 1: My white brothers and sisters, my white male brothers and

886
00:44:46,719 --> 00:44:49,200
Speaker 1: my brothers. I'm sorry my male brothers should not be

887
00:44:49,400 --> 00:44:55,239
Speaker 1: also um afraid of this conversation. What we're all, what

888
00:44:55,360 --> 00:44:59,920
Speaker 1: we're saying is expand the table and at a seat right.

889
00:45:00,280 --> 00:45:03,239
Speaker 1: That's right. And you know I I say that. I

890
00:45:03,400 --> 00:45:06,399
Speaker 1: also say to them, but most every every white male

891
00:45:06,480 --> 00:45:09,719
Speaker 1: that's around my table truly is a believer in this.

892
00:45:10,239 --> 00:45:12,759
Speaker 1: And and I also make sure, like I really do

893
00:45:12,880 --> 00:45:15,200
Speaker 1: think diversity of thought, like I also do tell them

894
00:45:15,239 --> 00:45:17,840
Speaker 1: how they're diverse sitting at the table in a different way, right,

895
00:45:17,920 --> 00:45:23,239
Speaker 1: so that they don't feel targeted, you know, somehow, because

896
00:45:23,320 --> 00:45:25,200
Speaker 1: that's not the point. The point is not to take

897
00:45:25,280 --> 00:45:27,640
Speaker 1: away opportunity from someone. The point is to add opportunity

898
00:45:27,680 --> 00:45:29,680
Speaker 1: to for a lot of people. And as I and

899
00:45:29,800 --> 00:45:31,840
Speaker 1: as I've said, when we lean in on certain groups,

900
00:45:32,480 --> 00:45:34,279
Speaker 1: it's because of where I go back to, you need

901
00:45:34,360 --> 00:45:38,400
Speaker 1: the confidence. Sometimes a certain group needs a little bit

902
00:45:38,480 --> 00:45:41,800
Speaker 1: more attention because they don't have the confidence or the

903
00:45:41,920 --> 00:45:44,080
Speaker 1: help around them that others do. And so it's not

904
00:45:44,200 --> 00:45:46,439
Speaker 1: that you're trying to not pay attention on one, you're

905
00:45:46,480 --> 00:45:48,480
Speaker 1: just trying to focus in. Is I believe if you

906
00:45:48,640 --> 00:45:50,520
Speaker 1: if you try to do everything, you'll do nothing. So

907
00:45:50,640 --> 00:45:53,120
Speaker 1: you've got to focus in and work your way through.

908
00:45:54,239 --> 00:45:56,960
Speaker 1: And if and if we do this right and if

909
00:45:57,000 --> 00:46:02,200
Speaker 1: you do it right, GDP will expand gross domestic products,

910
00:46:02,360 --> 00:46:06,520
Speaker 1: the economy will expand, opportunity will deepen, which means that

911
00:46:06,680 --> 00:46:10,120
Speaker 1: everybody wins. When you include more people and when and

912
00:46:10,200 --> 00:46:12,239
Speaker 1: if city national successful this, you can go after more

913
00:46:12,320 --> 00:46:15,520
Speaker 1: buckets of business. If you've got Latinos on tap, you

914
00:46:15,760 --> 00:46:18,160
Speaker 1: can go after that market and all of Latin America.

915
00:46:18,200 --> 00:46:21,160
Speaker 1: If you've got African Americans on tap and Africans on tap,

916
00:46:21,200 --> 00:46:23,799
Speaker 1: you can go after those markets, and and women on tap.

917
00:46:23,880 --> 00:46:27,000
Speaker 1: You can actually approach a whole segment of the population

918
00:46:27,080 --> 00:46:30,400
Speaker 1: and making financial decisions in households and UH and who

919
00:46:30,480 --> 00:46:35,880
Speaker 1: feel more comfortable that there everybody wins. It's better for clients.

920
00:46:36,000 --> 00:46:38,600
Speaker 1: We need to look like our clients and that you know,

921
00:46:38,680 --> 00:46:43,760
Speaker 1: those are all huge pockets of of of the economy

922
00:46:44,040 --> 00:46:46,360
Speaker 1: for us and and that's why we need to do it.

923
00:46:46,800 --> 00:46:48,360
Speaker 1: You've got a bank to run. This has been a

924
00:46:48,680 --> 00:46:51,799
Speaker 1: fantastic engagement. You've gotta bank to run. I don't want

925
00:46:51,800 --> 00:46:53,520
Speaker 1: your office to run in and say it's been a

926
00:46:53,600 --> 00:46:56,000
Speaker 1: rio has been nisative and real nice. So what do

927
00:46:56,040 --> 00:46:58,120
Speaker 1: you want to leave? What's the drop the mic moment

928
00:46:58,239 --> 00:47:00,160
Speaker 1: for this audience? What do you want to leave? Those

929
00:47:00,200 --> 00:47:01,920
Speaker 1: were builders out here, Kelly, what do you have to

930
00:47:02,000 --> 00:47:04,200
Speaker 1: tell them as we as we exit? Well, first of all,

931
00:47:04,200 --> 00:47:06,040
Speaker 1: it's been an absolute pleasure to be with you, John,

932
00:47:06,080 --> 00:47:08,520
Speaker 1: always fun to talk to you, and for everybody listening.

933
00:47:08,640 --> 00:47:11,359
Speaker 1: First of all, thank you for listening, and to don't

934
00:47:11,400 --> 00:47:16,000
Speaker 1: give up. That's it, that's it, and maybe ask for help.

935
00:47:16,040 --> 00:47:17,719
Speaker 1: Maybe that will be my second one. Don't give up

936
00:47:17,880 --> 00:47:20,279
Speaker 1: and ask for help? And what's the next play? When

937
00:47:20,400 --> 00:47:23,879
Speaker 1: when the world? When the when the world's throwing crap

938
00:47:24,000 --> 00:47:26,839
Speaker 1: at you and you're being beaten down and you're you're

939
00:47:26,960 --> 00:47:30,840
Speaker 1: you're wondering whether you can make it another day, just

940
00:47:31,440 --> 00:47:35,040
Speaker 1: brush yourself off and ask yourself what's the next place? Yeah?

941
00:47:35,200 --> 00:47:40,360
Speaker 1: I like that. This is John O'Brien and this is

942
00:47:40,400 --> 00:47:45,520
Speaker 1: the master class on building a good life with Kelly coffee.

943
00:47:45,800 --> 00:47:48,880
Speaker 1: The CEO of City National Pay is a star, one

944
00:47:48,920 --> 00:47:52,640
Speaker 1: of the strongest leaders in banking and business period yet

945
00:47:52,680 --> 00:47:57,000
Speaker 1: alone one of the top females in a seat of

946
00:47:57,160 --> 00:48:01,279
Speaker 1: CEO in the world. Unbelievable she's created. But really the

947
00:48:01,360 --> 00:48:04,040
Speaker 1: master class lesson here that dropped the mic moment about

948
00:48:04,080 --> 00:48:05,680
Speaker 1: midway through the interview. If you didn't catch you go

949
00:48:05,760 --> 00:48:08,200
Speaker 1: back and listen it again when she said, it's really

950
00:48:08,239 --> 00:48:11,440
Speaker 1: about what's the next play. Why she loves professional sports

951
00:48:11,480 --> 00:48:14,040
Speaker 1: analogy so much is that when you get knocked down

952
00:48:14,080 --> 00:48:16,719
Speaker 1: in the professional sports, the game is going on. It's

953
00:48:16,760 --> 00:48:20,320
Speaker 1: not one individual that's sitting around whining about how unfair

954
00:48:20,440 --> 00:48:22,759
Speaker 1: life is. It's a team that's depending upon each other

955
00:48:22,920 --> 00:48:25,080
Speaker 1: and you're going, you're moving, and the question is what's

956
00:48:25,120 --> 00:48:27,360
Speaker 1: the next play? You better together. It's hard to hit

957
00:48:27,400 --> 00:48:29,840
Speaker 1: the moving target. Keep it moving, over the round it,

958
00:48:29,880 --> 00:48:32,160
Speaker 1: through it. You're gonna get to it. Never ever, ever

959
00:48:32,239 --> 00:48:33,920
Speaker 1: give up. You always think that the one that you're

960
00:48:33,960 --> 00:48:35,920
Speaker 1: dealing with that moment is the best one or whatever. No,

961
00:48:36,000 --> 00:48:37,560
Speaker 1: it's just the one you're dealing with. Ever, let the

962
00:48:37,640 --> 00:48:40,440
Speaker 1: perfect become the death of the good. Always just do

963
00:48:40,760 --> 00:48:43,000
Speaker 1: what you can in that moment, and when your team

964
00:48:43,080 --> 00:48:46,240
Speaker 1: screw up, tell them rather you ask for forgiveness and permission.

965
00:48:46,360 --> 00:48:48,239
Speaker 1: You want to lean into this world and do the

966
00:48:48,320 --> 00:48:49,960
Speaker 1: best you can with what you have as long as

967
00:48:49,960 --> 00:48:52,319
Speaker 1: it's done with integrity. In this moment, and live your

968
00:48:52,400 --> 00:48:55,360
Speaker 1: best life from this moment and every day. Bring the

969
00:48:55,440 --> 00:48:58,239
Speaker 1: best version of you to your job. Smile even when

970
00:48:58,239 --> 00:49:00,359
Speaker 1: you're being kicked in the teeth, Step over a mess

971
00:49:00,440 --> 00:49:02,759
Speaker 1: and not in it, and even when you're dealing with

972
00:49:02,840 --> 00:49:07,239
Speaker 1: an unlevel situation. Talk without being offensive, listen without being defensive,

973
00:49:07,360 --> 00:49:10,400
Speaker 1: and always leave even your adversary with their dignity was

974
00:49:10,520 --> 00:49:13,160
Speaker 1: John O'Brien ye