>>from around the globe. It's the Cube with digital coverage of enterprise data automation, an event Siri's brought to you by Iot. Tahoe, >>my buddy, We're back. And this is Dave Volante, and we're covering the whole notion of automating data in the Enterprise. And I'm really excited to have Paul Damico here. She's a senior vice president of enterprise data Architecture at Webster Bank. Good to see you. Thanks for coming on. >>Hi. Nice to see you, too. Yes. >>So let's let's start with Let's start with Webster Bank. You guys are kind of a regional. I think New York, New England, uh, leave headquartered out of Connecticut, but tell us a little bit about the bank. >>Yeah, Um, Webster Bank >>is regional Boston And that again, and New York, Um, very focused on in Westchester and Fairfield County. Um, they're a really highly rated saying regional bank for this area. They, um, hold, um, quite a few awards for the area for being supportive for the community and, um, are really moving forward. Technology lives. They really want to be a data driven bank, and they want to move into a more robust Bruce. >>Well, we got a lot to talk about. So data driven that is an interesting topic. And your role as data architect. The architecture is really senior vice president data architecture. So you got a big responsibility as it relates to It's kind of transitioning to this digital data driven bank. But tell us a little bit about your role in your organization, >>right? Um, currently, >>today we have, ah, a small group that is just working toward moving into a more futuristic, more data driven data warehouse. That's our first item. And then the other item is to drive new revenue by anticipating what customers do when they go to the bank or when they log into there to be able to give them the best offer. The only way to do that is you >>have uh huh. >>Timely, accurate, complete data on the customer and what's really a great value on off something to offer that or a new product or to help them continue to grow their savings or do and grow their investment. >>Okay. And I really want to get into that. But before we do and I know you're sort of part way through your journey, you got a lot of what they do. But I want to ask you about Cove. It how you guys you're handling that? I mean, you had the government coming down and small business loans and P p p. And huge volume of business and sort of data was at the heart of that. How did you manage through that? >>But we were extremely successful because we have a big, dedicated team that understands where their data is and was able to switch much faster than a larger bank to be able to offer. The TPP longs at to our customers within lightning speeds. And part of that was is we adapted to Salesforce very, for we've had salesforce in house for over 15 years. Um, you know, pretty much, uh, that was the driving vehicle to get our CPP is loans in on and then developing logic quickly. But it was a 24 7 development role in get the data moving, helping our customers fill out the forms. And a lot of that was manual. But it was a It was a large community effort. >>Well, think about that. Think about that too. Is the volume was probably much, much higher the volume of loans to small businesses that you're used to granting. But and then also, the initial guidelines were very opaque. You really didn't know what the rules were, but you were expected to enforce them. And then finally, you got more clarity. So you had to essentially code that logic into the system in real time, right? >>I wasn't >>directly involved, but part of my data movement Team Waas, and we had to change the logic overnight. So it was on a Friday night was released. We've pushed our first set of loans through and then the logic change, Um, from, you know, coming from the government and changed. And we had to re develop our our data movement piece is again and we design them and send them back. So it was It was definitely kind of scary, but we were completely successful. We hit a very high peak and I don't know the exact number, but it was in the thousands of loans from, you know, little loans to very large loans, and not one customer who buy it's not yet what they needed for. Um, you know, that was the right process and filled out the rate and pace. >>That's an amazing story and really great support for the region. New York, Connecticut, the Boston area. So that's that's fantastic. I want to get into the rest of your story. Now let's start with some of the business drivers in banking. I mean, obviously online. I mean, a lot of people have sort of joked that many of the older people who kind of shunned online banking would love to go into the branch and see their friendly teller had no choice, You know, during this pandemic to go to online. So that's obviously a big trend you mentioned. So you know the data driven data warehouse? I wanna understand that. But well, at the top level, what were some of what are some of the key business drivers there catalyzing your desire for change? >>Um, the ability to give the customer what they need at the time when they need it. And what I mean by that is that we have, um, customer interactions in multiple ways, right? >>And I want >>to be able for the customer, too. Walk into a bank, um, or online and see the same the same format and being able to have the same feel, the same look, and also to be able to offer them the next best offer for them. But they're you know, if they want looking for a new a mortgage or looking to refinance or look, you know, whatever it iss, um, that they have that data, we have the data and that they feel comfortable using it. And that's a untethered banker. Um, attitude is, you know, whatever my banker is holding and whatever the person is holding in their phone, that that is the same. And it's comfortable, so they don't feel that they've, you know, walked into the bank and they have to do a lot of different paperwork comparative filling out paperwork on, you know, just doing it on their phone. >>So you actually want the experience to be better. I mean, and it is in many cases now, you weren't able to do this with your existing against mainframe based Enterprise data warehouse. Is is that right? Maybe talk about that a little bit. >>Yeah, we were >>definitely able to do it with what we have today. The technology we're using, but one of the issues is that it's not timely, Um, and and you need a timely process to be able to get the customers to understand what's happening. Um, you want you need a timely process so we can enhance our risk management. We can apply for fraud issues and things like that. >>Yeah, so you're trying to get more real time in the traditional e g W. It's it's sort of a science project. There's a few experts that know how to get it. You consider line up. The demand is tremendous, and often times by the time you get the answer, you know it's outdated. So you're trying to address that problem. So So part of it is really the cycle time, the end end cycle, time that you're pressing. And then there's if I understand it, residual benefits that are pretty substantial from a revenue opportunity. Other other offers that you can you can make to the right customer, Um, that that you, you maybe know through your data. Is that right? >>Exactly. It's drive new customers, Teoh new opportunities. It's enhanced the risk, and it's to optimize the banking process and then obviously, to create new business. Um, and the only way we're going to be able to do that is that we have the ability to look at the data right when the customer walks in the door or right when they open up their app. And, um, by doing, creating more to New York time near real time data for the data warehouse team that's giving the lines of business the ability to to work on the next best offer for that customer. >>Paulo, we're inundated with data sources these days. Are there their data sources that you maybe maybe had access to before? But perhaps the backlog of ingesting and cleaning and cataloging and you know of analyzing. Maybe the backlog was so great that you couldn't perhaps tap some of those data sources. You see the potential to increase the data sources and hence the quality of the data, Or is that sort of premature? >>Oh, no. Um, >>exactly. Right. So right now we ingest a lot of flat files and from our mainframe type of Brennan system that we've had for quite a few years. But now that we're moving to the cloud and off Prem and on France, you know, moving off Prem into like an s three bucket. Where That data king, We can process that data and get that data faster by using real time tools to move that data into a place where, like, snowflake could utilize that data or we can give it out to our market. >>Okay, so we're >>about the way we do. We're in batch mode. Still, so we're doing 24 hours. >>Okay, So when I think about the data pipeline and the people involved, I mean, maybe you could talk a little bit about the organization. I mean, you've got I know you have data. Scientists or statisticians? I'm sure you do. Ah, you got data architects, data engineers, quality engineers, you know, developers, etcetera, etcetera. And oftentimes, practitioners like yourself will will stress about pay. The data's in silos of the data quality is not where we want it to be. We have to manually categorize the data. These are all sort of common data pipeline problems, if you will. Sometimes we use the term data ops, which is kind of a play on Dev Ops applied to the data pipeline. I did. You just sort of described your situation in that context. >>Yeah. Yes. So we have a very large data ops team and everyone that who is working on the data part of Webster's Bay has been there 13 14 years. So they get the data, they understand that they understand the lines of business. Um, so it's right now, um, we could we have data quality issues, just like everybody else does. We have. We have places in him where that gets clans, Um, and we're moving toward. And there was very much silo data. The data scientists are out in the lines of business right now, which is great, cause I think that's where data science belongs. We should give them on. And that's what we're working towards now is giving them more self service, giving them the ability to access the data, um, in a more robust way. And it's a single source of truth. So they're not pulling the data down into their own like tableau dashboards and then pushing the data back out. Um, so they're going to more not, I don't want to say a central repository, but a more of a robust repository that's controlled across multiple avenues where multiple lines of business can access. That said, how >>got it? Yes, and I think that one of the key things that I'm taking away from your last comment is the cultural aspects of this bite having the data. Scientists in the line of business, the line of lines of business, will feel ownership of that data as opposed to pointing fingers, criticizing the data quality they really own that that problem, as opposed to saying, Well, it's it's It's Paulus problem, >>right? Well, I have. My problem >>is, I have a date. Engineers, data architects, they database administrators, right, Um, and then data traditional data forwarding people. Um, and because some customers that I have that our business customers lines of business, they want to just subscribe to a report. They don't want to go out and do any data science work. Um, and we still have to provide that. So we still want to provide them some kind of regimen that they wake up in the morning and they open up their email. And there's the report that they just drive, um, which is great. And it works out really well. And one of the things is why we purchase I o waas. I would have the ability to give the lines of business the ability to do search within the data. And we read the data flows and data redundancy and things like that help me cleanup the data and also, um, to give it to the data. Analysts who say All right, they just asked me. They want this certain report, and it used to take Okay, well, we're gonna four weeks, we're going to go. We're gonna look at the data, and then we'll come back and tell you what we dio. But now with Iot Tahoe, they're able to look at the data and then, in one or two days of being able to go back and say, yes, we have data. This is where it is. This is where we found that this is the data flows that we've found also, which is that what I call it is the birth of a column. It's where the calm was created and where it went live as a teenager. And then it went to, you know, die very archive. Yeah, it's this, you know, cycle of life for a column. And Iot Tahoe helps us do that, and we do. Data lineage has done all the time. Um, and it's just takes a very long time. And that's why we're using something that has AI and machine learning. Um, it's it's accurate. It does it the same way over and over again. If an analyst leads, you're able to utilize talked something like, Oh, to be able to do that work for you. I get that. >>Yes. Oh, got it. So So a couple things there is in in, In researching Iot Tahoe, it seems like one of the strengths of their platform is the ability to visualize data the data structure and actually dig into it. But also see it, um, and that speeds things up and gives everybody additional confidence. And then the other pieces essentially infusing AI or machine intelligence into the data pipeline is really how you're attacking automation, right? And you're saying it's repeatable and and then that helps the data quality, and you have this virtuous cycle. Is there a firm that and add some color? Perhaps >>Exactly. Um, so you're able to let's say that I have I have seven cause lines of business that are asking me questions and one of the questions I'll ask me is. We want to know if this customer is okay to contact, right? And you know, there's different avenues, so you can go online to go. Do not contact me. You can go to the bank and you can say I don't want, um, email, but I'll take tests and I want, you know, phone calls. Um, all that information. So seven different lines of business asked me that question in different ways once said okay to contact the other one says, you know, customer one to pray All these, You know, um, and each project before I got there used to be siloed. So one customer would be 100 hours for them to do that and analytical work, and then another cut. Another analysts would do another 100 hours on the other project. Well, now I can do that all at once, and I can do those type of searches and say, Yes, we already have that documentation. Here it is. And this is where you can find where the customer has said, you know, you don't want I don't want to get access from you by email, or I've subscribed to get emails from you. >>Got it. Okay? Yeah. Okay. And then I want to come back to the cloud a little bit. So you you mentioned those three buckets? So you're moving to the Amazon cloud. At least I'm sure you're gonna get a hybrid situation there. You mentioned Snowflake. Um, you know what was sort of the decision to move to the cloud? Obviously, snowflake is cloud only. There's not an on Prem version there. So what precipitated that? >>Alright, So, from, um, I've been in >>the data I t Information field for the last 35 years. I started in the US Air Force and have moved on from since then. And, um, my experience with off brand waas with Snowflake was working with G McGee capital. And that's where I met up with the team from Iot to house as well. And so it's a proven. So there's a couple of things one is symptomatic of is worldwide. Now to move there, right, Two products, they have the on frame in the offering. Um, I've used the on Prem and off Prem. They're both great and it's very stable and I'm comfortable with other people are very comfortable with this. So we picked. That is our batch data movement. Um, we're moving to her, probably HBR. It's not a decision yet, but we're moving to HP are for real time data which has changed capture data, you know, moves it into the cloud. And then So you're envisioning this right now in Petrit, you're in the S three and you have all the data that you could possibly want. And that's Jason. All that everything is sitting in the S three to be able to move it through into snowflake and snowflake has proven cto have a stability. Um, you only need to learn in train your team with one thing. Um, aws has is completely stable at this 10.2. So all these avenues, if you think about it going through from, um, you know, this is your your data lake, which is I would consider your s three. And even though it's not a traditional data leg like you can touch it like a like a progressive or a dupe and into snowflake and then from snowflake into sandboxes. So your lines of business and your data scientists and just dive right in, Um, that makes a big, big win. and then using Iot. Ta ho! With the data automation and also their search engine, um, I have the ability to give the data scientists and eight analysts the the way of they don't need to talk to i t to get, um, accurate information or completely accurate information from the structure. And we'll be right there. >>Yes, so talking about, you know, snowflake and getting up to speed quickly. I know from talking to customers you get from zero to snowflake, you know, very fast. And then it sounds like the i o Ta ho is sort of the automation cloud for your data pipeline within the cloud. This is is that the right way to think about it? >>I think so. Um, right now I have I o ta >>ho attached to my >>on Prem. And, um, I >>want to attach it to my offering and eventually. So I'm using Iot Tahoe's data automation right now to bring in the data and to start analyzing the data close to make sure that I'm not missing anything and that I'm not bringing over redundant data. Um, the data warehouse that I'm working off is not a It's an on Prem. It's an Oracle database and its 15 years old. So it has extra data in it. It has, um, things that we don't need anymore. And Iot. Tahoe's helping me shake out that, um, extra data that does not need to be moved into my S three. So it's saving me money when I'm moving from offering on Prem. >>And so that was a challenge prior because you couldn't get the lines of business to agree what to delete or what was the issue there. >>Oh, it was more than that. Um, each line of business had their own structure within the warehouse, and then they were copying data between each other and duplicating the data and using that, uh so there might be that could be possibly three tables that have the same data in it. But it's used for different lines of business. And so I had we have identified using Iot Tahoe. I've identified over seven terabytes in the last, um, two months on data that is just been repetitive. Um, it just it's the same exact data just sitting in a different scheme. >>And and that's not >>easy to find. If you only understand one schema that's reporting for that line of business so that >>yeah, more bad news for the storage companies out there. Okay to follow. >>It's HCI. That's what that's what we were telling people you >>don't know and it's true, but you still would rather not waste it. You apply it to, you know, drive more revenue. And and so I guess Let's close on where you see this thing going again. I know you're sort of part way through the journey. May be you could sort of describe, you know, where you see the phase is going and really what you want to get out of this thing, You know, down the road Midterm. Longer term. What's your vision or your your data driven organization? >>Um, I want >>for the bankers to be able to walk around with on iPad in their hands and be able to access data for that customer really fast and be able to give them the best deal that they can get. I want Webster to be right there on top, with being able to add new customers and to be able to serve our existing customers who had bank accounts. Since you were 12 years old there and now our, you know, multi. Whatever. Um, I want them to be able to have the best experience with our our bankers, and >>that's awesome. I mean, that's really what I want is a banking customer. I want my bank to know who I am, anticipate my needs and create a great experience for me. And then let me go on with my life. And so that is a great story. Love your experience, your background and your knowledge. Can't thank you enough for coming on the Cube. >>No, thank you very much. And you guys have a great day. >>Alright, Take care. And thank you for watching everybody keep it right there. We'll take a short break and be right back. >>Yeah, yeah, yeah, yeah.