1 00:00:00,040 --> 00:00:03,600 Speaker 1: An illegal alien from Guatemala charged with raping a child 2 00:00:03,680 --> 00:00:07,480 Speaker 1: in Massachusetts. An MS thirteen gang member from Al Salvador 3 00:00:07,720 --> 00:00:11,840 Speaker 1: accused of murdering a Texas man of Venezuelan charged with 4 00:00:11,920 --> 00:00:15,840 Speaker 1: filming and selling child pornography in Michigan. These are just 5 00:00:15,920 --> 00:00:19,680 Speaker 1: some of the heinous migrant criminals caught because of President 6 00:00:19,720 --> 00:00:23,320 Speaker 1: Donald J. Trump's leadership. I'm Christy nom the United States 7 00:00:23,320 --> 00:00:28,120 Speaker 1: Secretary of Homeland Security. Under President Trump, attempted illegal border 8 00:00:28,160 --> 00:00:31,680 Speaker 1: crossings are at the lowest levels ever recorded, and over 9 00:00:31,760 --> 00:00:34,960 Speaker 1: one hundred thousand illegal aliens have been arrested. If you 10 00:00:35,040 --> 00:00:38,920 Speaker 1: are here illegally, your next you will be fined nearly 11 00:00:39,000 --> 00:00:42,160 Speaker 1: one thousand dollars a day, imprisoned, and deported. 12 00:00:42,600 --> 00:00:43,800 Speaker 2: You will never return. 13 00:00:44,120 --> 00:00:47,120 Speaker 1: But if you register using our CBP home app and 14 00:00:47,240 --> 00:00:50,559 Speaker 1: leave now, you could be allowed to return legally. Do 15 00:00:50,680 --> 00:00:51,280 Speaker 1: what's right. 16 00:00:51,840 --> 00:00:52,720 Speaker 2: Leave now. 17 00:00:53,040 --> 00:00:57,840 Speaker 1: Under President Trump, America's laws, border and families will be protected. 18 00:00:57,920 --> 00:01:00,000 Speaker 3: Sponsored by the United States Department of Homeland Security. 19 00:01:00,320 --> 00:01:02,800 Speaker 4: Let me ask you about the hottest topic in the 20 00:01:02,800 --> 00:01:06,640 Speaker 4: world right in their artificial intelligence. Yes, they said, over 21 00:01:07,040 --> 00:01:12,080 Speaker 4: twenty five percent of the jobs globally will be cut 22 00:01:12,319 --> 00:01:16,160 Speaker 4: or replaced by artificial intelligence. Over the next ten years, 23 00:01:16,200 --> 00:01:19,880 Speaker 4: over the next twenty years of reports of forty percent 24 00:01:19,959 --> 00:01:22,560 Speaker 4: of every single job in the world could be impacted 25 00:01:22,600 --> 00:01:27,480 Speaker 4: by artificial intelligence. In your world, we see robo advisors, 26 00:01:28,319 --> 00:01:31,480 Speaker 4: a lot of different things that's happening. What's your perspective 27 00:01:31,560 --> 00:01:35,520 Speaker 4: on AI and the financial services sector, and how are 28 00:01:35,560 --> 00:01:39,520 Speaker 4: you currently using AI to grow the company? And yeah, 29 00:01:39,560 --> 00:01:43,200 Speaker 4: what's the pathway for your company and artificial intelligence? 30 00:01:43,319 --> 00:01:45,840 Speaker 2: I mean AI is the topic for every CEO. 31 00:01:45,959 --> 00:01:48,120 Speaker 5: I know you all just got back from Davos and 32 00:01:48,560 --> 00:01:54,600 Speaker 5: that was the topic. And so let's unpack it first. Clearly, 33 00:01:54,800 --> 00:01:58,280 Speaker 5: for a company like ourselves that are long term investors, 34 00:01:58,920 --> 00:02:02,280 Speaker 5: it's important that as we think about AI, we also 35 00:02:02,320 --> 00:02:06,960 Speaker 5: think about risk and protection. It's about data AI at 36 00:02:06,960 --> 00:02:10,560 Speaker 5: the root. It's about data and making sure that you 37 00:02:10,720 --> 00:02:14,440 Speaker 5: have the underlining chassis to make sure that you have 38 00:02:14,560 --> 00:02:17,600 Speaker 5: clean data, that you have the underlining chassis, to make 39 00:02:17,600 --> 00:02:20,960 Speaker 5: sure you're protecting the data, and to make sure you're 40 00:02:21,000 --> 00:02:23,520 Speaker 5: spending a lot of time thinking about risk. 41 00:02:24,200 --> 00:02:26,799 Speaker 2: And so as excited as I. 42 00:02:26,840 --> 00:02:30,720 Speaker 5: Am about AI and generative AI, I think it's important 43 00:02:30,800 --> 00:02:32,920 Speaker 5: as a leader and for all of you to be 44 00:02:33,080 --> 00:02:36,919 Speaker 5: thinking first about what is the risk so that we're 45 00:02:36,919 --> 00:02:40,880 Speaker 5: spending a lot of time understanding. The second piece is 46 00:02:40,880 --> 00:02:45,120 Speaker 5: that AI is not like this technology department. AI is 47 00:02:45,200 --> 00:02:49,359 Speaker 5: cutting across every role, every job, and so the way 48 00:02:49,400 --> 00:02:53,359 Speaker 5: we think about it at TIAA is to look at 49 00:02:53,480 --> 00:02:54,200 Speaker 5: use cases. 50 00:02:55,000 --> 00:02:55,960 Speaker 2: How can we think. 51 00:02:55,760 --> 00:02:59,919 Speaker 5: About AI and at every level of our company, every division, 52 00:03:00,080 --> 00:03:04,359 Speaker 5: every department to accomplish a few things one, how can 53 00:03:04,400 --> 00:03:08,320 Speaker 5: we use AI to empower our own people? And so, yes, 54 00:03:08,400 --> 00:03:09,919 Speaker 5: there will be a shift in jobs, but. 55 00:03:09,960 --> 00:03:11,080 Speaker 2: That is not new either. 56 00:03:11,880 --> 00:03:16,040 Speaker 5: You know, technology change the gain, but jobs still prevailed. 57 00:03:16,120 --> 00:03:18,440 Speaker 5: And so I do think that we can't think about 58 00:03:18,440 --> 00:03:20,040 Speaker 5: it as if it's again. 59 00:03:19,840 --> 00:03:21,880 Speaker 2: A lose win scenario. 60 00:03:22,440 --> 00:03:26,119 Speaker 5: When history tells us whenever there's been a shift, we've 61 00:03:26,160 --> 00:03:30,760 Speaker 5: created a new economy and we educated and prepared workers 62 00:03:30,760 --> 00:03:33,280 Speaker 5: for that new economy. And so it is in our 63 00:03:33,320 --> 00:03:36,440 Speaker 5: best interest to make sure that we are not scaring 64 00:03:36,480 --> 00:03:40,200 Speaker 5: people but empowering through educating and taking people on the 65 00:03:40,280 --> 00:03:44,200 Speaker 5: journey of how AI will make employees jobs easier so 66 00:03:44,240 --> 00:03:46,200 Speaker 5: that they can focus on the things that they really love. 67 00:03:46,480 --> 00:03:52,160 Speaker 5: So efficiency companion is an opportunity. I also think that 68 00:03:52,640 --> 00:03:55,920 Speaker 5: AI will open up new ideas and new innovation. When 69 00:03:55,960 --> 00:03:58,760 Speaker 5: you just think about the power and the compounding aspects 70 00:03:58,800 --> 00:04:01,560 Speaker 5: of what this technology is all already doing, and you're already. 71 00:04:01,200 --> 00:04:02,160 Speaker 2: Seeing use cases. 72 00:04:02,360 --> 00:04:04,920 Speaker 5: You're seeing it in human resources, you're seeing it in marketing, 73 00:04:04,960 --> 00:04:06,320 Speaker 5: and so AI is already here. 74 00:04:07,720 --> 00:04:08,400 Speaker 3: Erners, what's up? 75 00:04:08,520 --> 00:04:10,960 Speaker 6: You ever walk into a small business and everything just 76 00:04:11,120 --> 00:04:14,320 Speaker 6: works like the checkout is fast, the receipts are digital, 77 00:04:14,840 --> 00:04:17,799 Speaker 6: tipping is a breeze, and you're out the door before 78 00:04:17,800 --> 00:04:21,960 Speaker 6: the line even builds. Odds are they're using Square. We 79 00:04:22,120 --> 00:04:24,680 Speaker 6: love supporting businesses that run on Square because it just 80 00:04:24,720 --> 00:04:27,960 Speaker 6: feels seamless. Whether it's a local coffee shop, a vendor 81 00:04:28,000 --> 00:04:30,120 Speaker 6: at a pop up market, or even one. 82 00:04:30,000 --> 00:04:31,120 Speaker 3: Of our merch partners. 83 00:04:31,360 --> 00:04:35,160 Speaker 6: Square makes it easy for them to take payments, manage inventory, 84 00:04:35,240 --> 00:04:39,159 Speaker 6: and run their business with confidence, all from one simple system. 85 00:04:39,600 --> 00:04:42,200 Speaker 6: If you're a business owner or even just thinking about 86 00:04:42,279 --> 00:04:45,359 Speaker 6: launching something soon, Square is hands down one of the 87 00:04:45,400 --> 00:04:48,839 Speaker 6: best tools out there to help you start, run, and grow. 88 00:04:49,120 --> 00:04:52,119 Speaker 6: It's not just about payments, it's about giving you time 89 00:04:52,200 --> 00:04:55,160 Speaker 6: back so you can focus on what matters most ready. 90 00:04:55,160 --> 00:04:58,560 Speaker 6: To see how Square can transform your business, visit Square 91 00:04:58,640 --> 00:05:03,159 Speaker 6: dot com, backslash, go backslash eyl to learn more that 92 00:05:03,360 --> 00:05:08,800 Speaker 6: Square dot com backslash go backslash eyl, don't wait, don't hesitate. 93 00:05:08,920 --> 00:05:11,280 Speaker 6: Let's square handle the back end so you can keep 94 00:05:11,320 --> 00:05:17,440 Speaker 6: pushing your vision forward. This episode is brought to you 95 00:05:17,440 --> 00:05:19,719 Speaker 6: by P and C Bank. A lot of people think 96 00:05:19,800 --> 00:05:23,680 Speaker 6: podcasts about work are boring, and sure they definitely can be, 97 00:05:24,160 --> 00:05:27,400 Speaker 6: but understanding a professionals routine shows us how they achieve 98 00:05:27,480 --> 00:05:31,720 Speaker 6: their success little by little, day after day. It's like 99 00:05:31,760 --> 00:05:34,559 Speaker 6: banking with P and C Bank. It might seem boring 100 00:05:34,600 --> 00:05:37,400 Speaker 6: to save, plan and make calculated decisions with your bank, 101 00:05:37,880 --> 00:05:40,320 Speaker 6: but keeping your money boring is what helps you live 102 00:05:40,480 --> 00:05:44,480 Speaker 6: or more happily fulfilled life. P and C Bank Brilliantly 103 00:05:44,560 --> 00:05:49,120 Speaker 6: Boring since eighteen sixty five. Brilliantly Boring since eighteen sixty 104 00:05:49,160 --> 00:05:52,440 Speaker 6: five is a service mark of the PNC Financial Service Group, Inc. 105 00:05:52,880 --> 00:05:56,279 Speaker 6: P and C Bank National Association Member FDIC. 106 00:05:58,040 --> 00:06:01,719 Speaker 1: An illegal alien from Guatemala charged with raping a child 107 00:06:01,760 --> 00:06:05,520 Speaker 1: in Massachusetts. An MS thirteen gang member from Al Salvador 108 00:06:05,800 --> 00:06:09,919 Speaker 1: accused of murdering a Texas man of Venezuelan charged with 109 00:06:10,000 --> 00:06:12,919 Speaker 1: filming and selling child pornography in Michigan. 110 00:06:13,279 --> 00:06:13,960 Speaker 2: These are just. 111 00:06:14,000 --> 00:06:17,760 Speaker 1: Some of the heinous migrant criminals caught because of President 112 00:06:17,760 --> 00:06:21,320 Speaker 1: Donald J. Trump's leadership. I'm Christy nom the United States 113 00:06:21,360 --> 00:06:26,159 Speaker 1: Secretary of Homeland Security. Under President Trump, attempted illegal border 114 00:06:26,200 --> 00:06:29,760 Speaker 1: crossings are at the lowest levels ever recorded, and over 115 00:06:29,839 --> 00:06:33,039 Speaker 1: one hundred thousand illegal aliens have been arrested. If you 116 00:06:33,120 --> 00:06:36,960 Speaker 1: are here illegally, your next you will be fine nearly 117 00:06:37,040 --> 00:06:41,080 Speaker 1: one thousand dollars a day. Imprisoned and deported, you will 118 00:06:41,120 --> 00:06:44,760 Speaker 1: never return. But if you register using our CBP home 119 00:06:44,800 --> 00:06:48,159 Speaker 1: app and leave now, you could be allowed to return legally. 120 00:06:48,520 --> 00:06:49,360 Speaker 1: Do what's right. 121 00:06:49,920 --> 00:06:50,799 Speaker 2: Leave now. 122 00:06:51,120 --> 00:06:55,920 Speaker 1: Under President Trump, America's laws border and families will be protected. 123 00:06:56,000 --> 00:06:58,120 Speaker 3: Sponsored by the United States Department of Homeland Security. 124 00:06:58,440 --> 00:07:01,520 Speaker 5: And for us, we see AI already when we look 125 00:07:01,560 --> 00:07:04,480 Speaker 5: at our call centers and how AI is helping us 126 00:07:04,480 --> 00:07:06,640 Speaker 5: get smarter about the type of call so that we 127 00:07:06,680 --> 00:07:10,160 Speaker 5: can respond to our participants faster or smarter and not 128 00:07:11,000 --> 00:07:13,280 Speaker 5: having them to reauthenticate themselves over and over. 129 00:07:13,320 --> 00:07:14,680 Speaker 2: Because you can use AI. 130 00:07:14,800 --> 00:07:17,160 Speaker 5: So there's so many use cases that can improve and 131 00:07:17,240 --> 00:07:21,440 Speaker 5: delight the client experience, which is also important. So efficiency, 132 00:07:22,800 --> 00:07:32,000 Speaker 5: employee experience, client experience, innovation. Future today is AI, but 133 00:07:32,120 --> 00:07:34,240 Speaker 5: it is something that I think we have to make 134 00:07:34,280 --> 00:07:38,880 Speaker 5: sure that all employees understand because it's scary, what does. 135 00:07:38,760 --> 00:07:39,400 Speaker 2: This mean for me? 136 00:07:39,840 --> 00:07:41,720 Speaker 5: And I think it's important for us to take them 137 00:07:41,720 --> 00:07:44,280 Speaker 5: on a journey. For us at TIA, we want to 138 00:07:44,400 --> 00:07:48,600 Speaker 5: educate our employees. We provide opportunities for any employee to 139 00:07:48,600 --> 00:07:52,040 Speaker 5: get exposure to technology, learn how to code, learn how 140 00:07:52,040 --> 00:07:55,160 Speaker 5: to understand cybersecurity, all the things around technology and where 141 00:07:55,200 --> 00:07:57,160 Speaker 5: we think the puck is going, so that we can 142 00:07:57,200 --> 00:08:00,280 Speaker 5: make sure that our existing workforce is prepared for where 143 00:08:00,280 --> 00:08:03,760 Speaker 5: we're going in a way that we can reskill, retrain. 144 00:08:03,720 --> 00:08:06,160 Speaker 2: And open up that aperture of talent in. 145 00:08:06,040 --> 00:08:07,760 Speaker 5: A way that they can feel confident they can go 146 00:08:07,800 --> 00:08:10,040 Speaker 5: from this role to that role. But the key is 147 00:08:10,080 --> 00:08:14,400 Speaker 5: intellectual curiosity. I do think the opportunity for all of us, 148 00:08:14,400 --> 00:08:17,080 Speaker 5: and I would say this for young people once you graduate, 149 00:08:17,160 --> 00:08:18,280 Speaker 5: you have not stopped learning. 150 00:08:19,320 --> 00:08:21,000 Speaker 2: The objective, especially when you. 151 00:08:20,920 --> 00:08:24,920 Speaker 5: Think about AI and generative AI, is this intellectual curiosity. 152 00:08:25,520 --> 00:08:28,840 Speaker 5: You're not going to out Google Google. There's nothing that 153 00:08:28,880 --> 00:08:33,680 Speaker 5: you can memorize that SURI got you. But the most 154 00:08:33,679 --> 00:08:36,760 Speaker 5: important thing that you own is how you think about something, 155 00:08:37,280 --> 00:08:41,840 Speaker 5: how you apply it, how it can unlock a problem 156 00:08:41,920 --> 00:08:45,240 Speaker 5: that we're trying to solve. And so the most important 157 00:08:45,240 --> 00:08:47,440 Speaker 5: thing that I would share with all of you is 158 00:08:47,480 --> 00:08:51,120 Speaker 5: to stay curious and do not be afraid of the technology. 159 00:08:51,520 --> 00:08:54,600 Speaker 5: Embrace it, but make sure that we're all thinking about 160 00:08:54,640 --> 00:08:57,559 Speaker 5: it in a responsible way. And finally, I would say 161 00:08:58,000 --> 00:09:03,040 Speaker 5: embrace and understand as leaders, yesterday's compliance and governance is 162 00:09:03,080 --> 00:09:05,960 Speaker 5: not today's or tomorrow's, and so we also have to 163 00:09:05,960 --> 00:09:08,320 Speaker 5: make sure that we're investing in our lines of defense 164 00:09:08,679 --> 00:09:11,800 Speaker 5: and making sure that we're calibrating not just the issues 165 00:09:11,840 --> 00:09:14,439 Speaker 5: of today, but also protection for tomorrow. And I think 166 00:09:14,480 --> 00:09:17,040 Speaker 5: AI is in the center of that opportunity. So I'm 167 00:09:17,120 --> 00:09:20,920 Speaker 5: excited about AI. I'm excited about what it can mean 168 00:09:21,040 --> 00:09:22,920 Speaker 5: for what we do and who we serve and what 169 00:09:23,000 --> 00:09:25,000 Speaker 5: it can unlock. But it needs to be in a 170 00:09:25,040 --> 00:09:27,800 Speaker 5: responsible way. It needs to be in a way that 171 00:09:27,840 --> 00:09:30,240 Speaker 5: we take our employees on a journey, in a way 172 00:09:30,240 --> 00:09:33,800 Speaker 5: that we can evote confidence and not fear in the technology. 173 00:09:33,920 --> 00:09:36,160 Speaker 7: It's interesting we were in Dabbles and they were talking 174 00:09:36,200 --> 00:09:40,720 Speaker 7: about generations who feared technology, and they brought the analogy 175 00:09:40,920 --> 00:09:45,640 Speaker 7: of the typewriter and people fearing the computer. Yes, and 176 00:09:45,800 --> 00:09:48,360 Speaker 7: they said, you know what, we don't know what we're 177 00:09:48,360 --> 00:09:49,800 Speaker 7: going to do. We're not going to have jobs until 178 00:09:49,840 --> 00:09:52,720 Speaker 7: you realize that everybody is sitting in front of a computer. 179 00:09:53,240 --> 00:09:55,120 Speaker 7: And then they said there was a mail room, but 180 00:09:55,320 --> 00:09:57,520 Speaker 7: we got emails, So that's not we're going to need 181 00:09:57,600 --> 00:10:01,280 Speaker 7: that as much until you have twenty two emails, right, 182 00:10:01,360 --> 00:10:03,439 Speaker 7: and so we should just just be mindful and educate 183 00:10:03,480 --> 00:10:04,120 Speaker 7: ourselves on it. 184 00:10:04,400 --> 00:10:08,040 Speaker 1: An illegal alien from Guatemala charged with raping a child 185 00:10:08,120 --> 00:10:11,880 Speaker 1: in Massachusetts. An MS thirteen gang member from Al Salvador 186 00:10:12,160 --> 00:10:16,240 Speaker 1: accused of murdering a Texas man of Venezuelan charged with 187 00:10:16,360 --> 00:10:20,199 Speaker 1: filming and selling child pornography in Michigan. These are just 188 00:10:20,360 --> 00:10:24,079 Speaker 1: some of the heinous migrant criminals caught because of President 189 00:10:24,160 --> 00:10:27,680 Speaker 1: Donald J. Trump's leadership. I'm Christy Noman, the United States 190 00:10:27,720 --> 00:10:32,520 Speaker 1: Secretary of Homeland Security. Under President Trump, attempted illegal border 191 00:10:32,559 --> 00:10:36,079 Speaker 1: crossings are at the lowest levels ever recorded, and over 192 00:10:36,200 --> 00:10:39,360 Speaker 1: one hundred thousand illegal aliens have been arrested. If you 193 00:10:39,480 --> 00:10:43,280 Speaker 1: are here illegally, your next you will be fine nearly 194 00:10:43,400 --> 00:10:47,360 Speaker 1: one thousand dollars a day, imprisoned and deported, you will 195 00:10:47,480 --> 00:10:51,080 Speaker 1: never return. But if you register using our CBP home 196 00:10:51,160 --> 00:10:54,480 Speaker 1: app and leave now, you could be allowed to return legally. 197 00:10:54,880 --> 00:10:59,560 Speaker 1: Do what's right. Leave now under President Trump, America's laws, 198 00:10:59,760 --> 00:11:01,719 Speaker 1: born and families. 199 00:11:01,400 --> 00:11:02,240 Speaker 2: Will be protected. 200 00:11:02,360 --> 00:11:04,440 Speaker 3: Sponsored by the United States Department of Homeland Security,