Guest Introduction Adam Palmer is the CISO of First Hawaiian Bank, the largest bank in the state of Hawaii, with almost $30 billion in assets and operations across Hawaii, Guam, and Saipan. With 25 years in cybersecurity, he began as a U.S. military officer, worked on both the vendor and operational sides of the industry, and spent ten years in cybersecurity roles in Europe before taking on his current role just under six years ago. Adam leads the bank's technical security, governance, operational management, and risk reduction efforts, and he thrives on transformation work, building programs and operating models from the ground up. He joins the show to talk about the advantages of a mid sized bank, why he insists on a human in the lead of AI driven decisions, how he vets vendors in a regulated environment, and why he believes fighting AI with AI is the only way to keep pace. Here's a Glimpse of What You'll Learn Why Adam says a mid sized bank's agility can be a real advantage over a larger institution Why Adam counsels patience and planning, including months of assessment, over chasing a quick win How start small, scale smart, govern carefully shapes an AI committee that reviews every use case Why Adam refuses to be the department of no, and how he presents trade-offs so leaders decide with eyes open What human in the lead, not human in the loop, means for a regulated security operations center Why Adam wants vendors to prove transparency instead of wrapping an AI buzzword around a traditional tool Why Adam argues cyber risk should be quantified in business terms instead of red, yellow, and green heat maps Why Adam believes security leaders must fight AI with AI, and why crisis mode is the wrong response In This Episode Adam opens by explaining why working at a mid sized bank has real advantages. Having worked at a global bank where the budget was larger but a large ship turned slower, he says First Hawaiian Bank's agility lets his team adopt more advanced tools and move faster, and that smaller does not mean less advanced, since the bank carries the same programs and similar risks at a different scale. His advice to new CISOs is patience and planning: when he arrived in early 2021, he resisted the pressure for a quick win, spent the first several months carefully assessing the program's maturity, built a multi year plan, and then executed on it, which he says produced better effectiveness. He enjoys stepping into roles where he is the first person in the job, and likes building his own operating model while still aligning to frameworks and holding himself accountable to industry standards. The center of the conversation is how Adam approaches AI, which he sums up as start small, scale smart, govern carefully. He sits on the bank's AI committee, which carefully reviews every use case, and he wants AI implemented only when it has a legitimate, clearly articulated business value, with his team designing the guardrails. He insists security cannot be the department of no, because saying no only drives shadow IT, so he lets the business identify where it sees value and then presents the trade-offs, risks, and costs so leadership decides with eyes open. On the security side, he sees AI improving mean time to detect and mean time to resolve, an idea central to a presentation he gave on transforming the bank's security operations center to build board and executive confidence, provided tools stay auditable and transparent. That is where his distinction comes in: not human in the loop, but human in the lead, with AI prioritizing incidents and consolidating information, and an analyst making the final call on critical decisions. Adam is just as direct about vendors and metrics. He calls the AI security space a bit of the Wild West and says the vendors that stand out show transparency, prove their tools are truly better than what he can achieve without them, and do not simply wrap a traditional tool in an AI buzzword, since auditors and regulators demand to see what the AI is doing. He is open to smaller companies that prove themselves and avoids depending on a single platform as a single point of failure. He presses for cyber risk quantification in business terms, noting that every other part of the business presents priorities in dollars, and calls identity the perimeter, with human and non human identities needing strong control because authorized activity can still be malicious. The danger, he says, is moving too fast, yet the only answer to machine speed offense is equally strong AI on defense, and he is surprised when security leaders act in crisis mode, since his bank has planned for years to move at machine speed. Sponsor for this episode This episode is brought to you by Cyberlynx CyberLynx is a Bethesda managed IT and cybersecurity company. Local techs you know, not a call center. Month-to-month. 24/7 intrusion detection. We help growing companies with managed IT, help desk, backup and recovery, and a fractional CIO. Talk to us at https://cyberlynx.com/contact, info@cyberlynx.com, or 301-798-9170.