Building Faster with AI: Trust, Speed, and Ecosystem Thinking
episode
One Vision Podcast — Fintech, Banking, and AI with Theodora Lau
24 min
2 speakers
2 chapters
transcribed 1 month ago
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Hello, everyone. Welcome to a new episode of One Vision. This is Theo, your host for today's episode. Joining us in the studio today is Huion Tran, General Manager, Buy Now, Pay Later Wallets, Consumer Credit and Payments and PLNL owner at US Bank, as well as the founder and investor at Alice Ventures, focusing on fintech and health tech, specifically female founders. Welcome to the show, my friend. How are you today?
Good, good. Thanks for having me. I'm thrilled to be talking with you today.
Yes, and it seems like it was just yesterday when you and I met in San Diego. So thank you to all of our friends and the universe that brought us together face to face. So I have to ask you this.
How did Huyen Tran transition from computer engineering to banking product leadership?
i often when i see people in our industry the first question i often think about wow how did you get into financial services how do you get into a bank most people don't wake up one morning and said you know what i want to be a banker And looking through your background, your computer engineering, that's a little bit different than what you're doing right now. So tell us about your journey. And has anything caught you by surprise, if you will, and things that is, you know, turned out different than what you expect?
Yeah, so growing up, I was always good at math, I loved problem solving. So you know, that naturally pushed me towards engineering and Of course, you know, having Asian parents, you're good at math. You go into engineering. You have one route is engineering. Exactly. And so that's how I got into engineering. But in parallel, my parents were, you know, I'm first generation. So my parents were immigrants and, you know, they became small business owners. So I got to watch them run their businesses. So I was always curious about what they were doing. customer service? How do they get customers to come back? How do they remain profitable? And how to turn a dollar into two? I also became obsessed with investing in real estate.
And I started pretty young, got my first property when I was 23. But, you know, that was, again, sort of my interest on the business side. I continue with engineering and started my career in technology and spent the first four years there. And the first financial institution that I worked for was Morgan Stanley. And I was on the business side building, supporting my business partners in building their products like deposits, loans, and so on. And again, what was missing for me was the impact to the customers, the business outcomes, the bottom line. So I went over to the business side and started owning P&L and building and problem solving from that side. So I spent two decades building and managing products and banking.
And, you know, what surprised me is now, right, you don't have to pick one side or the other. They are so intertwined, technology and business. And, you know, we've, we've evolved now and they, they, they go hand in hand and I sort of love being in the middle of all of the complexity and, you know, you're solving businesses with technology or, um, and you're, you're working with the entire banking ecosystem. Um, and at the end of the day, what I really enjoy the most is, is being in the center of, of the entire value chain or ecosystem. risk compliance, customers, right partners, internal and external. And you're solving problems from from all angles. So that's, that's how I ended up in banking and, you know, still still loving it.
Here at US Bank.
Wow. I like the fact that you started from a tech background. Because I often tell people you might not do exactly the discipline that you were in, right? So mine was chemical engineering. I am so far away from it, but we learn how to tackle problem in a way that's how we get the training from. And when you bring the business perspective and you put yourself in the middle as you know what you say, it's immensely powerful and valuable way of using all kinds of your brain power, for lack of better words, to look at a problem, right? You look at it from a numbers perspective, you look at it from a business perspective, and it's brilliant.
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Chapters
2 chaptersSpeakers
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