Andrew Harmening

President, Chief Executive Officer & Director, ASSOCIATED BANC-CORP

Search every verified Andrew Harmening interview, podcast appearance, and on-the-record quote — each transcript cross-checked by AI and human review to confirm speaker identity. Andrew Harmening, president and CEO of Associated Banc-Corp, has spoken publicly about leadership, change management, and the impact of financial technology on banking. In a 2016 keynote address, he described fintech as a "gift" to the financial services industry, noting that it forces banks to rethink customer expectations and delivery models. He cited $22 billion in fintech investment in 2015, with $7 billion directed at consumer lending, and discussed the need for banks to decide whether to build, buy, or partner with technology firms. He also addressed data aggregation, stating that banks' ability to control customer data is limited and that market forces, rather than regulation, are driving openness. In a 2019 joint appearance with his brother Jeff Harmening, CEO of General Mills, Andy Harmening discussed the importance of acknowledging change and taking incremental action, arguing that perfectionism can hinder progress. He emphasized that employees often resist change despite expressing support for it, and that leaders need external perspectives to validate their approaches. The conversation also touched on the brothers' shared upbringing and the role of family influence in their careers.