CFTEA: The KEY to Your Next Step

Andrew Lederer

Hosted by CFTEA Executive Director, Andrew Lederer, this podcast is for anyone ready to grow, at work and in life. Through real conversations on career development, personal finance, leadership, and everyday decision-making, each episode helps you build confidence, understand the bigger picture, and keep moving forward. Because one of the best projects you will ever work on is yourself, and you don’t have to do it alone.

Episodes

  1. Aug 15

    The Map You Don't Have

    Eighty-six percent of new hires decide how long they will stay with a company within their first six months. Not their first six years. Six months. In this special conversation dropped in the middle of fall onboarding season, Andrew sits down with Jessi Jaquish of Union Bank of Vermont and New Hampshire, a CFTEA board member and the head of a two-person training department, about starting with no map, the one person who changed everything, and what it means to build the training you wish you'd had. They talk about career cushioning, why it goes in two directions, and what fellow employees and managers can do this week for somebody quietly deciding whether to stay. This one goes gently and lands somewhere honest. The map you don't have. Nobody walks in fully formed. Staying is often a decision you make before anybody else believes you should. And it usually isn't made alone.The person who hands you one. Careers turn on somebody who quietly decided to invest before you'd earned it. That person is sometimes a manager. Often a peer. Being that person for somebody else, once you know the difference it made, is the work.The map you build. The people who didn't have a training program are often the ones who end up building one. That isn't an accident. That's the shape leadership takes in a community bank. KEY DATA POINTS REFERENCED Enboarder 2025 HR Leader Survey: 86% of new hires decide how long they will stay with a company within their first six months, and 19.5% of HR leaders name lack of connection with team or culture as the second most common reason new hires leave early.SHRM turnover data: 20% of turnover happens within the first 45 days of employment.Robert Walters survey (cited by Workable, 2024): 68% of American workers are engaging in career cushioning.Fortune (November 2022) and Forbes (May 2026): coverage of the career cushioning trend and its shift from a fringe behavior to a mainstream coping strategy. One Small Thing You Can Do Today Think of one person on your team who is in their first ninety days. Not the person who's already thriving. The quieter one. The one who might be counting the polite ways to step away. Text them. Ask how you can support them. Give them one thing this week they can succeed at. Foundations in Banking Certificate: The 2026 anchor offer for people new to banking or new to a role, and the natural entry point for anybody in their first ninety days.ABA Principles of Banking: The foundation course that opens the door for people coming into banking from outside the industry.Frontline Fundamentals: A free transfer credit offering for community banks and credit unions onboarding new frontline employees this fall.Engaging Adult Learners: For the person tasked with training new hires and building the guides that didn't exist before. Guest Information Jessi Jaquish is a member of the CFTEA Board of Directors and works at Union Bank of Vermont and New Hampshire, where she leads a two-person training department serving the bank's employees across Vermont and New Hampshire. Her onboarding materials, including three separate guides of over two hundred pages each, a three-week new-hire plan, and a three-day orientation, are used across the institution. Jessi started her banking career as a Float Teller. Visit cftea.org to find a course that fits your role and take the first step.

    The Map You Don't Have

  2. Aug 1

    Cost vs Value - Is Learning from CFTEA Worth the Investment?

    What makes professional development truly worth it? In a world filled with nonstop webinar invites and training emails, it can be difficult to separate cost from real value. In this episode of The KEY to Your Next Step, CFTEA Executive Director Andrew Lederer explores an important question facing employees, managers, community banks, credit unions, and organizations everywhere: Is learning from CFTEA worth the investment? This conversation goes beyond pricing and digs into what meaningful workplace learning actually looks like. Andrew discusses the balance of cost vs. value and why support from employers matters more than many people realize. Using real student stories from community banks and credit unions, this episode explores: Cost vs. value in professional developmentEmployee training fatigue and learning overloadWhy affordable education does not mean lower qualityHow community banks and credit unions support workforce growthThe importance of flexibility, mentorship, and practical learningWhy confidence changes careers and supports valueHow organizations build stronger teams through educationWhether you are exploring banking education, leadership skills, workplace learning, career development, or professional certifications, this episode offers a thoughtful and practical conversation about what truly helps people grow. Because the true value of education is not simply what it costs. It is what it helps people become. Resources 3 Ways to Boost Retention Through Professional Development (Harvard Business Review)

    Cost vs Value - Is Learning from CFTEA Worth the Investment?

  3. Jul 15

    Stop Waiting for the Tap | Asking for Development at Work

    You've bookmarked the course. You've thought about the certification. You've watched a colleague get sent to a conference you would have killed to attend. And the conversation with your manager... still hasn't happened.   In this episodeof The KEY to Your Next Step, Andrew Lederer goes into the ask most professionals never make, and the one their managers are actually hoping they'll bring.  This isn't a "just ask for what you want" pep talk. Andrew tells the story from a manufacturing plant where he heard no for years, and from the other side of the desk as a VP of Learning and Development inside a community bank. He brings inthe 2023 Crowe Bank Compensation and Benefits Survey finding that lack of career development is now the number one reason employees leave banking jobs, ahead of pay. He gives you three ways to reframe the ask so your manager hears it as a return, not an expense. And he goes into the harder truth nobody else covers: what to do when you ask the right way and still get a no.  Whether you're early in your career or deep in the middle of it, this one is for the person who's been waiting longer than they should have been.  **Key topics in this episode:** - Why the "tap on the shoulder" you've been waiting for rarely comes - The manufacturing plant story that taught Andrew the no wasn't always about him - The 2023 Crowe Bank Compensation and Benefits Survey on career development and turnover - The LinkedIn finding that 94% of employees would stay longer for development - Three ways to frame an ask your manager will hear as a return - How to acknowledge cost out loud and position yourself like a leader - The difference between a budget no and a culture no, and why it matters - The short email that makes your next yes ten times easier - The role-read every professional needs to develop about their own environment   **Referenced in this episode:** - 2023 Crowe Bank Compensation and Benefits Survey, Crowe LLP - LinkedIn Workplace Learning Report - CFTEA courses, certificates, and college-aligned diplomas (cftea.org)   **Connect with CFTEA:** cftea.org  **Follow CFTEA on LinkedIn** for upcoming courses, programs, and resources for financial services professionals.

    Stop Waiting for the Tap | Asking for Development at Work

  4. Jul 1

    Dealing with Difficult People

    Ever walk away from a conversation and wonder why it stuck with you all day? Not a big argument. Just… draining. In this episode, Center for Financial Training and Education Alliance Executive Director Andrew Lederer and workplace communication expert Trevor break down how to deal with difficult people without losing your energy or focus. From chronic complainers to know-it-alls and subtle bullies, these behaviors show up everywhere. The goal is not to fix them, it is to handle the interaction and still move forward. You will learn how to: Recognize common difficult behaviorsUnderstand why certain interactions lingerSet boundaries and protect your timeStay focused when conversations shiftBecause you cannot control how others show up, but you can control how much they take with them when they leave. If you have ever replayed a conversation hours later, this one is for you. FURTHER RESOURCES: CFTEA Global Workplace Skills Library Working Effectively with Co-Workers

    Dealing with Difficult People

  5. Jun 1

    The Connections That Change Careers

    What if one of the biggest factors shaping your career… isn’t your talent, but the relationships around you? In this episode, Andrew explores the real meaning of networking inside organizations and why authentic workplace relationships matter more than most people realize. Through personal stories, humor, research, and practical advice, Andrew breaks down why networking is not about using people for advancement, but about building trust, visibility, and genuine human connection over time. Drawing from the course Networking Within the Company and research featured in Harvard Business Review, this conversation covers: Why many professionals avoid networking at workHow outdated workplace perceptions can quietly impact promotionsThe importance of visibility, trust, and relationship-buildingCommon networking mistakes professionals makeHow to build meaningful connections without feeling fake or politicalWhy professionalism, kindness, and consistency still matter in modern workplacesThe hidden career value of listening, follow-through, and staying connectedAndrew also shares a deeply personal story about an HR leader who helped shape the direction of his career, encouraged him to start college, helped secure company-paid tuition for his first Accounting course, and ultimately helped him see value in himself before he fully saw it on his own. If you’ve ever struggled with networking, felt overlooked professionally, or wondered how real workplace relationships impact career growth, this episode is for you. For more conversations around leadership, workplace communication, professional growth, and career development, explore CFTEA’s Global Workplace Skills Library. If this episode resonated with you, leave a comment, subscribe, and join the conversation. We’d love to keep it going.

    The Connections That Change Careers

  6. May 15

    Breaking the Debt Cycle, Strategies for Financial Freedom

    What does it actually take to break out of the cycle of debt… and start moving toward financial freedom? In this episode, Andrew tackles a challenge that millions of people face every day, balancing the pressure to pay off debt while trying to build savings at the same time. With over 64% of credit card holders carrying balances month to month, this isn’t just a financial issue, it’s a real-life struggle that impacts stress, confidence, and long-term stability. Let's break it down in a way that feels clear and doable. In this conversation, you’ll hear: Why high-interest debt can quietly hold you back, and how to start tackling it?How to balance paying off debt while still building a safety net?The difference between the snowball and avalanche methods, and how to choose what works for you?Simple ways to take control of spending without feeling overwhelmed?Why consistency matters more than perfection when it comes to financial progress?This episode is a reminder that you don’t have to fix everything overnight. You just have to start. Because financial progress, just like personal growth, happens one step at a time. www.cftea.org

    Breaking the Debt Cycle, Strategies for Financial Freedom

  7. May 1

    The Power Behind the First Step

    What if the next step in your career isn’t about having all the answers, but simply being willing to take one step forward? In this first episode, Andrew kicks things off with a real conversation about growth, confidence, and what it actually takes to move forward, especially when you’re not sure you’re ready. Andrew shares his personal journey, from a rural upbringing to working full-time while going to school, and the moment a manager chose to invest in him when he needed it most. That single decision didn’t just build skills, it built belief. Together, he unpacks one of the biggest questions organizations and leaders face: Is training really worth it? They take a closer look at: Why support and opportunity can change the trajectory of someone’s careerThe real return behind investing in peopleHow development builds confidence, performance, and long-term commitmentWhy the bigger risk isn’t training someone and losing them, but not training them at allThis episode is a reminder that growth doesn’t happen all at once. It happens one step at a time, with the right support along the way. Because one of the best projects you will ever work on is yourself. And you don’t have to do it alone. www.cftea.org

    The Power Behind the First Step
  • 7 Episodes

About

Hosted by CFTEA Executive Director, Andrew Lederer, this podcast is for anyone ready to grow, at work and in life. Through real conversations on career development, personal finance, leadership, and everyday decision-making, each episode helps you build confidence, understand the bigger picture, and keep moving forward. Because one of the best projects you will ever work on is yourself, and you don’t have to do it alone.

Information