About this episode

Ankur Patel interviews Phil Caputo about the conservative approach to AI at the second-largest credit union in the US.

Ankur Patel interviews Phil Caputo, Executive Vice President & Director of the Enterprise Project Management Office at State Employees' Credit Union. 📩 Subscribe to the Main Street AI Newsletter: https://multimodal.beehiiv.com/subscribe?utm_source=podcast&utm_medium=description&utm_campaign=podcast Phil runs the EPMO at SECU — the second-largest credit union in the US, nearly 3 million members, $60 billion in assets, on a core system older than many of its members. He makes the operator's case for being deliberately conservative on AI: why a late mover with a loyal, member-service-first base can afford to learn from others' pitfalls, how he separates real strategy from a wall of projects, and where AI does and doesn't earn a seat — governance and member service in, autonomous decisions out. Guest: Phil Caputo, Director of the Enterprise Project Management Office, State Employees' Credit Union Host: Ankur Patel, CEO & Founder, Multimodal 0:00 Introduction: Meet Phil 0:43 What Phil walked into: a $60B credit union with no project governance 2:12 Building structure and who pushes back hardest 3:28 The missing middle: strategy between goals and projects 5:31 Going…

Topics covered

• AI in finance
• credit unions
• project management
• governance
• member service
• digital transformation

More episodes of Main Street AI

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• Building AI That Credit Unions Actually Trust · July 7, 2026 · 52 min
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• What Lawyers See Before Credit Union AI Deals Go Wrong · June 16, 2026 · 41 min

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