CFO Made Simple is a site and podcast dedicated to equipping business owners with the information and tools they need to crush the financial issues in their business. On the website, you can listen to our podcast, read our blog, or check out all of the resources we have available to make your life easier.
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CFO Made Simple Podcasts
Welcome to TreasuryCast, the podcast series brought to you by Treasury Management International, a well-respected and independent voice in the treasury world. TreasuryCast showcases topical, pragmatic solutions and strategic insights providing valuable material for all practitioners, from experienced treasurers and CFOs to those new to the profession.
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Creative Minds, Smart Money: Finance & Business Tips for Creatives
Samantha Eck | Bookkeeper for Creatives
Creative Minds, Smart Money is the go-to podcast for creative entrepreneurs who are ready to stop treating their finances like a side character in their business story. Hosted by Samantha Eck, bookkeeper and fractional CFO, this show breaks down the financial side of running a creative business into actionable steps that actually make sense. Each week, we tackle everything from pricing strategies and cash flow management to making smart business decisions that keep your creative business thr ...
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A Decade in Dialogue: Celebrating 10 Years of Journeys to Treasury
22:30
22:30
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22:30As the Journeys to Treasury (JTT) collaboration marks its 10th anniversary, the project stands not only as a record of evolving treasury priorities but as a reflection of the profession's ability to learn and adapt – under pressure and often without fanfare. Here, we examine how the JTT report (and now event and podcast series) has become one of th…
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The Making of Treasury's Chief Education Officer
21:48
21:48
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21:48Jason Murphy is Co-Founder and Executive Director of Corporate Finance Advisory Group, Centrus. He is also currently the President of the IACT. A Fellow of the Association of Chartered Certified Accountants (ACCA) and a past Chair of ACCA Ireland, with more than 25 years' investment banking and financial advisory experience. Murphy also lectures on…
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Predict, Prevent, Protect: The New Cyber Playbook for Treasurers
27:59
27:59
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27:59Eleanor Hill (TMI) is joined by Dr. Ruth Wandhöfer (Blackwired) to explore how treasurers can strengthen their defences as banks shift from a detect-and-respond mindset to a predict-prevent-and-defeat approach to cyber risk. Our guest explores how rising regulatory pressure, future threats like quantum-enabled ransomware, and how cybersecurity is b…
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Neural Treasury: The Role of AI in the Evolution of Corporate Treasury
38:46
38:46
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38:46Treasury management is rapidly transforming, and neural treasury (AI, Robotics, Machine Learning) is catapulting this evolution. Ben Poole (TMI) speaks to Andrew Comas (Microsoft), Steve Wiley (FIS), and Ari Morris (EY) to explore how neural treasury is revolutionising corporate treasury, empowering teams with automation, AI-driven insights, and op…
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Why Categorizing Your Business Expenses Matters Beyond Taxes
11:40
11:40
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11:40Your bookkeeping categories aren't just for tax season—they're the foundation of every smart money decision you make in your business. If you've been treating categorization like a compliance checkbox, you're missing out on the clarity that drives profitability, cash flow planning, and confident pricing. In this episode of Creative Minds, Smart Mon…
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ISO 20022 Made Simple: What ISO 20022 Means for People, not Just Systems
1:04:01
1:04:01
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1:04:01As the financial industry shifts toward ISO 20022, the transformation isn't just technical, it's human. John Emerson, Caroline Ngigi, and Mohammed Rahim (Standard Chartered) examine how financial institutions are equipping their people to thrive in a new messaging paradigm. We explore how organisations are upskilling staff, rethinking cross-functio…
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AI Bookkeeping Tools: The Hidden Risks Creative Entrepreneurs Need to Know
14:45
14:45
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14:45AI-powered bookkeeping tools promise to automate your financial life and save you money—but at what cost? Everyone online makes AI sound like the magic fix for messy books, but here's the truth: I see creative entrepreneurs rely too heavily on automation and end up with misclassified transactions, compliance nightmares, and zero strategic insight i…
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Political Uncertainty Weighs on Central Bank Decisions
6:21
6:21
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6:21Welcome to the latest edition of Liquidity Link Live, your exclusive market analysis provided by Northern Trust Asset Management, one of the world's largest cash managers. Tune in each month to discover the very latest insights on the UK, Eurozone and US markets. This edition was recorded on the 6th November 2025.…
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JTT 2025 - Conclusion - THE PILLARS OF JOURNEYS TO TREASURY
4:30
4:30
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4:30The strength of Journeys to Treasury (JTT) has always extended beyond the report itself. Its unparalleled value lies in harnessing the collective expertise of four leading institutions—BNP Paribas, PwC, SAP, and EACT—and their global networks of specialists. For a decade, a group of senior leaders have served as its stewards, opening their organisa…
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JTT - Chapter Twelve - REWIRING TREASURY AT ZOETIS
13:40
13:40
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13:40Twelve years after spinning out from Pfizer, Zoetis has built a lean, centralised treasury that is digitally enabled and strategically engaged. Assistant Treasurer Michel Verholen reflects on the tools and tactics behind the transformation and how visibility, automation, and AI are setting the stage for what is ahead.…
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JTT - Chapter Eleven - AI'S TREASURY MOMENT
20:42
20:42
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20:42AI is no longer a distant promise. Step by step, treasury teams are using it to rethink how they work by combining data, technology, and human judgment. From virtual assistants to predictive models, real-world use cases are beginning to deliver results.By Treasury Management International (TMI)
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JTT - Chapter Ten - RACING THE CLOCK AND WINNING!
13:41
13:41
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13:41Faced with a product recall and €1bn in excess inventory in quick succession, Accell Group's treasury team found themselves facing a steep uphill climb. Their response: a full pivot from traditional cash pooling to an integrated in-house bank, all of which was designed, constructed, and implemented in record time.…
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JTT - Chapter Nine - VIRTUAL ACCOUNTS AND THE RACE FOR REAL-TIME LIQUIDITY
21:49
21:49
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21:49Treasurers are intensifying their efforts to achieve instant cash visibility and control. Virtual accounts, APIs, and real-time data offer the potential for faster decision-making and more streamlined operations, as long as integration, regulation, and cultural change are managed carefully.By Treasury Management International (TMI)
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As the EU prepares to mandate Verification of Payee across the SEPA region, its implications are already under scrutiny. For corporates, the road may be bumpy, but with stronger identifiers, clearer implementation rules, and deeper collaboration, the destination is still within reach.By Treasury Management International (TMI)
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JTT - Chapter Seven - TACKLING PRACTICAL QUESTIONS IN VERIFICATION OF PAYEE'S ROLLOUT
9:05
9:05
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9:05Corporates are preparing for the EU's instant payments regulation, but the path to adopting Verification of Payee is proving complex. Treasury teams are exploring practical ways forward while calling for closer collaboration between banks, regulators and technology providers.By Treasury Management International (TMI)
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At Comcast, what began as an ambitious clean-up of legacy accounts has evolved into a multi-year transformation that continues to reshape how treasury operates and how it's perceived. The treasury team hasn't just streamlined systems. It has rebuilt trust, unlocked cash, and earned a seat at the strategic table. .…
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JTT - Chapter Five - THE FUTURE OF PAYMENTS
23:37
23:37
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23:37Incoming and outgoing payments are central to a corporate treasurer's responsibilities because they directly impact liquidity, risk management, and operational efficiency. Today, treasurers face a wave of changes, from instant payments and ISO 20022 to digital currencies and e-invoicing, each of which has implications beyond simple regulatory tick-…
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JTT - Chapter Four - TREASURY AUTOMATION IN ACTION AT EVONIK
13:34
13:34
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13:34Evonik's treasury team has embedded automation at the core of its operations, from near-total payment straight-through processing to real-time liquidity dashboards. With integration, visibility, and control as guiding principles, the team is redefining how digital tools support risk management, compliance, and strategic decision-making.…
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JTT - Chapter Three - FROM COMPLEXITY TO CLARITY
11:33
11:33
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11:33DEME's treasury has evolved from decentralised roots to a strategic, centralised function. This sees the team tackling everything from forecasting blind spots, embedding ESG in financing, and navigating the promise and pitfalls of AI.By Treasury Management International (TMI)
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JTT - Chapter Two - DIALLING UP CASH FLOW AT VODAFONE
14:21
14:21
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14:21Vodafone is turning cash flow into a companywide mission. From payments to network build-outs, teams weigh the cash impact of everyday choices so the business can fund growth from within.By Treasury Management International (TMI)
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JTT - Chapter One - ASSEMBLING THE BUILDING BLOCKS FOR CHANGE
21:11
21:11
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21:11Treasurers are going back to fundamentals, according to the Treasury Survey 2025 from the European Association of Corporate Treasurers. Cash flow forecasting has returned to the top of the agenda, and while digital transformation is a focus, the work begins with systems, data, and skills rather than quick fixes.…
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This year marks the tenth edition of Journeys to Treasury, representing a full decade of collaboration, reflection, and forward-looking insights. Since its launch in 2016, the project has charted treasury's evolution inaspects such as cash pooling and centralisation, as well as the latest trends in automation, ESG, and AI. Over the years, much has …
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Closing the Liquidity Gap: Making the most of the TMI and NTAM Global Treasury Investments Survey 2025
10:17
10:17
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10:17Tom Alford (TMI) speaks with Tory Hinton (Northern Trust Asset Management) to discuss findings of the 2025 Global Treasury Investments Survey, which collated insights from over 300 treasurers. They examine why liquidity remains a dominant concern, along with the rise of MMF adoption, evolving investment policies, and the growing necessity of techno…
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Demystifying Tokenised MMFs and other Liquidity Innovations
23:21
23:21
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23:21Eleanor Hill (TMI) speaks with Sam Jacob (BNY) about why liquidity management remains front-of-mind as corporate treasury transitions further towards a digital ecosystem. This candid conversation explores innovations such as tokenised MMFs, AI, and automation, and highlights how these tools enhance forecasting, optimise liquidity mobilisation, impr…
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Bookkeeping Platform or Bookkeeper? How to Choose (and When to Switch)
16:20
16:20
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16:20Everyone online makes bookkeeping platforms sound like a magic fix: low cost, hands-off, done-for-you. But here’s the truth—I see creatives pick a platform too fast (or switch too late) and end up with messy categorization, limited data ownership, and zero strategic insight. In this episode of Creative Minds, Smart Money, I break down how to choose…
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For the Greater Good: Why Digitalisation Should Serve Treasury, Not the Other Way Round
28:19
28:19
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28:19Eleanor Hill (TMI) sits down with Arnault Gitzinger (Datalog TMS) to explore how treasurers can ensure that digitalisation serves their strategic goals rather than driving them. They discuss the extent of treasury's digital evolution and where automation should, and shouldn't, take hold. This candid conversation covers integration challenges, regul…
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Overcoming Adoption Hurdles in Corporate Payments
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10:05
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10:05Recorded live at the recent Sibos conference in Frankfurt, TMI's Eleanor Hill speaks with Wim Grosemans (BNP Paribas) about how treasurers are adapting to the fast-changing payments landscape. Wim provides practical guidance for treasurers on implementing SEPA Instant, overcoming adoption hurdles, managing cross-border payments efficiently, leverag…
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Sales Tax Made Simple for Creative Entrepreneurs
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14:01
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14:01Sales tax is confusing—no way around it. Every state has different rules, the jargon feels overwhelming, and half the time you’re left wondering if you’re even supposed to charge it. But here’s the thing: even service providers sometimes owe sales tax. And not knowing the rules can leave you stressed, noncompliant, or accidentally footing the bill …
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The Future of AML: From Regulation to Real-World Results
12:39
12:39
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12:39Eleanor Hill (TMI) sits down with Peter Reynolds (ThetaRay) live at the 2025 Sibos Conference to discuss how developments in AML are changing the day-to-day reality of transaction banking. Together they explore the impact of Europe's new single AML rulebook, the rise of AI-driven compliance, and how greater transparency, data governance, and harmon…
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Everyone online makes becoming an S-Corp sound like the ultimate financial glow-up: lower taxes, more legitimacy, instant upgrade. But here’s the truth—jumping in too early can actually hurt your business more than it helps. In this episode of Creative Minds Smart Money, I break down the real dangers of switching to an S-Corp before you’re ready. F…
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Treasury in Transition: Managing FX Risk Amid Structural Change
18:01
18:01
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18:01Over 3/4 respondents to PwC's 2025 Global Treasury Survey cited FX risk as their most critical economic exposure. In this episode, Robin Page (TMI) speaks with Michiel Mannaerts (PwC) about what's driving this focus, including geopolitical uncertainty, shifting supply chains, and currency volatility. Our guest explores operational challenges in FX …
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Making Business Easier: Cutting-Edge Treasury for Seamless Trade
15:40
15:40
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15:40How can multiplying challenges be overcome to make trade less complicated? The answer, like trade itself, is constantly evolving. In this first of two articles, Bank of America's George Fong, APAC Head of Trade and SCF, and Olivier Anceau, APAC Head of Specialised Product Sales, reveal how innovative solutions can simplify operations, boost resilie…
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Shaping Tomorrow's Treasury through Steady Evolution
8:31
8:31
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8:31Trends and buzzwords come and go, but the real changes in treasury have come as a result of steady evolution. Drawing on years of dialogue with clients across the globe, Dick Oskam, ING's Global Head of Transaction Services Sales, reflects on treasury's transformation – from fragmented systems to real-time cash management – driven by technology, re…
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Verified Identity in Treasury: Why LEIs Matter More Than Ever
10:42
10:42
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10:42Live from Sibos, TMI's Eleanor Hill speaks with Alexandre Kech (GLEIF) about how verified organisational identity is reshaping corporate treasury. They discuss the growing importance of the Legal Entity Identifier (LEI) in enabling trust, transparency, and efficiency across global payments. Alexandre also explores how LEIs can help treasurers comba…
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Are Your Business Numbers Normal How to Tell If You’re On Track
14:11
14:11
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14:11Ever wondered if your business is actually doing okay—or if you’re falling behind? That’s where benchmarking comes in. Don’t worry, it’s not a fancy finance term you need to memorize—it’s simply comparing your numbers to industry standards so you know what’s normal, where you’re strong, and what could use some tweaking. In this episode of Creative …
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Inside the Next Wave of Corporate Payments Innovation
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25:41Live from Sibos, TMI's Eleanor Hill speaks with Kevin Flood (FIS) about the next wave of payments innovation and what it really means for corporate treasurers. Our guest discusses how banks and providers are enhancing the corporate payments experience and balancing innovation with treasurers' core priorities around speed, accuracy, and reconciliati…
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ISO 20022 - Global Standard, Regional Realities
40:11
40:11
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40:11Join us for an insightful episode exploring the global adoption and implementation of ISO 20022, the international standard for electronic data interchange among financial institutions. Our expert guests, Camilla Bullock and Joanne Fraser, share a comprehensive analysis of how various regions are embracing this transformative standard, offering val…
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Seconds, Not Days: The New Standard for Corporate Treasury
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17:15
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17:15Recorded live at Sibos in Frankfurt, TMI's Eleanor Hill sat down with Carl Slabicki (BNY) to discuss the rapid rise in uptake of instant payments and what it means for corporate treasurers globally. Carl shares how instant payments adoption is shifting treasury towards a real-time, 24/7 model, BNY's cross-border strategy, and provides actionable co…
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The 5 Numbers Every Creative Business Should Track
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16:16
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16:16KPIs get tossed around a lot—but most creatives aren’t told which ones actually matter or how to use them. In this episode of Creative Minds Smart Money, we break down KPIs in plain English and turn them into decision-making shortcuts. You’ll learn how to pick a small set of metrics that fit your business model, track them without drowning in sprea…
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Welcome to the latest edition of Liquidity Link Live, your exclusive market analysis provided by Northern Trust Asset Management, one of the world's largest cash managers. Tune in each month to discover the very latest insights on the UK, Eurozone and US markets. This edition was recorded on the 6th October 2025.…
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Treasury Through the Eyes of a CFO: a 360 View on Strategy, Leverage and Governance
13:51
13:51
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13:51Live from the floor of the 2025 Sibos in Frankfurt, TMI's Eleanor Hill speaks with Sanjay Wadhwa (360 ONE) about how treasurers can navigate asset-liability mismatches, balance leverage, and meet both CFO priorities and regulatory expectations. Sanjay shares insights around building strong CFO-treasurer collaboration, maintaining high governance st…
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Treasury Beyond Borders - Crossroads of Commerce: How Asia's Treasurers are Redefining Risk and Liquidity
36:25
36:25
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36:25Eleanor Hill (TMI) asks Yvonne Yiu and Sridhar Narayan (HSBC) how Asia's treasury landscape is adapting to trade tensions, tariff shifts, and evolving supply chains. Our guests explore the rise of digital banking, real-time payments, and AI-driven cash forecasting, offering corporate treasurers practical guidance on liquidity management, risk mitig…
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Is Your Business Really Profitable How to Find Out
17:58
17:58
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17:58Bringing in steady revenue but still wondering where all your money is going? That’s where profitability analysis comes in. In this episode of Creative Minds Smart Money, I break down what profitability analysis is, why it matters, and how it helps you stop guessing and start making smarter, more profitable decisions. We’re not just talking about w…
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