Future Proof · 2026-05-22 · 42 min
Send us Fan Mail What if the biggest threat in capital markets isn’t rate volatility but the technology and workflow decisions you make without understanding their downstream cost? In this episode of our Future Proof series, Melissa Langdale and James Duncan debrief Melissa’s conversation with Jennifer McGinnis-Lubbert of Pivot Financial and unpack why the future of capital markets is less about chasing shiny technology and more about building disciplined, agile workflows. They break down the "VantageScore vs.FICO" debate as a full life-cycle issue touching warehouse lines, aggregators, seller guides, bond execution, LLPAs, and the broader question of whether the system is actually ready for change. The conversation also gets practical on operational risk, from repurchase exposure caused by delayed employment data to OCR and document-stacking tools that still need human oversight to protect quality.
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