<![CDATA[The Open Ledger]]>d31c314a-26fa-5581-8bb7-9770017980fbWed, 26 Aug 2026 09:00:20 +0000Captivate.fmStephan Irelandhttps://artwork.captivate.fm/cc1b00da-3adc-4237-9819-c186f3d8e83a/Untitleddesig.jpegThe Open LedgerStephan IrelandStephan IrelandThe Open Ledger is your inside source for real conversations around banking relationships. The podcast unveils the curtain surrounding banking. Hosted by founder and CEO Stephan Ireland, this podcast is aimed at CFO’s, treasurers, and finance leaders. This podcast creates the benchmark for conversations that treasurers and CFOs never get to have with peers. Stephan sits down with high-level executives in the financial sector to discuss banking stories. When topics like bank fees, relationships, and pricing feel as clear as mud, you can count on The Open Ledger to make them clear as day. This podcast is for: ◼Corporate CFOs and treasurers ◼ Finance leaders managing multi-bank relationships, revolving credit facilities, and cash visibility ◼ Treasury consultants advising on RFPs and bank fee analysis ◼ TMS vendors and banks seeking industry visibility ◼ Bankers and treasury management officers serving hundreds of clients in an imperfect world ◼ Anyone tired of not knowing what they actually pay to bank Backed by decades of treasury expertise, The Open Ledger brings diverse voices together to talk openly about the the behind the scenes of the banking industry.https://www.open-fees.com/falseepisodicnopodcastThe Visibility Gap: Treasury's Biggest Blind SpotThe Visibility Gap: Treasury's Biggest Blind SpotIn this episode of The Open Ledger Podcast, host Stephan Ireland speaks with Tamara A.S. Saront-Eisner, the VP and Treasurer for U.S. and Americas Zone and VP of Mergers & Acquisitions and Treasurer for the Americas Hub at Air Liquide, about banking relationships, treasury visibility, and bank fee management. Tamara shares how Air Liquide integrated banking operations after a major acquisition, balancing global banking partners with local banking needs while avoiding disruption for customers. She discusses the challenges of understanding bank fees, maintaining long term banking relationships, and improving transparency across treasury operations. Tamara also explains how technology, data, and AI can help treasury teams gain better visibility, manage costs, and make more informed decisions about banking services and financial partnerships.

With more than 10 years of treasury and corporate finance experience, Tamara A.S. Saront-Eisner shares how Air Liquide manages banking relationships across a global business. She explains how the company integrated banking operations after a major acquisition, balancing global banking partners with local banking needs while reducing complexity. Tamara also discusses the challenges of understanding bank fees, maintaining visibility across multiple banking relationships, and improving treasury performance. She highlights how data, technology, and AI can help treasury teams gain better insights, control costs, and make stronger decisions about banking services and financial partnerships.

In this episode, expect to learn:

-How Air Liquide integrated banking relationships after a major acquisition while balancing global and local banking needs

-Why maintaining long term banking partnerships and minimizing customer disruption are important during treasury transformation

-How treasury teams can improve visibility into bank fees and better understand the costs of banking services

-The challenges of managing multiple banking relationships, analyzing bank fees, and maintaining internal discipline around cost control

-How data, technology, and AI can help treasury teams improve transparency, control costs, and make better banking decisions

📢 Ready to improve transparency in your banking operations? Learn more and discover how to start banking on intelligence.

Visit: https://www.open-fees.com/

📢 Want more insights on treasury visibility and banking relationships? Explore additional episodes, articles, and expert resources.

Visit: https://www.open-fees.com/resources

Timestamps:

[00:00] - Teaser

[01:21] - Introduction of podcast and guest Tamara A.S. Saront-Eisner

[03:19] - Acquisition Integration and Banking Relationship Changes

[05:18] - Banking Consolidation and Customer Collection Challenges

[11:57] - Managing Global, Regional, and Local Banking Needs

[15:18] - Bank Fee Visibility and Treasury Cost Challenges

[18:31] - Why Bank Fee Analysis Matters for Performance

[19:55] - Internal Discipline and Bank Fee Management Process

[27:09] - Technology, AI, and the Future of Treasury Banking

[31:04] - Improving Treasury Visibility Through Data and AI

[33:57] - Market Benchmarking and Final Treasury Advice

[36:13] - Podcast Resources and Early Adopter Program

"Disclosure: Portions of this episode (such as the introduction or promotional segments) use AI-generated voice narration produced under human editorial review."

Follow our Guest Tamara A.S. Saront-Eisner on:

-LinkedIn: https://www.linkedin.com/in/tamarasaronteisner/

-Air Liquide (LinkedIn): https://www.linkedin.com/company/airliquide/

-Air Liquide (Website): https://www.airliquide.com/

Follow Host Stephan Ireland on:

-LinkedIn: https://www.linkedin.com/in/stephanireland/

Follow the Podcast:

-YouTube: https://www.youtube.com/@openfees

-Visit the Website: https://www.open-fees.com/

-Apple Podcasts: https://podcasts.apple.com/us/podcast/the-open-ledger/id1896878038

-Spotify: https://open.spotify.com/show/033sorpebHWsYCZCdoCkBq?si=60eddd8e59ba4320

]]>In this episode of The Open Ledger Podcast, host Stephan Ireland speaks with Tamara A.S. Saront-Eisner, the VP and Treasurer for U.S. and Americas Zone and VP of Mergers & Acquisitions and Treasurer for the Americas Hub at Air Liquide, about banking relationships, treasury visibility, and bank fee management. Tamara shares how Air Liquide integrated banking operations after a major acquisition, balancing global banking partners with local banking needs while avoiding disruption for customers. She discusses the challenges of understanding bank fees, maintaining long term banking relationships, and improving transparency across treasury operations. Tamara also explains how technology, data, and AI can help treasury teams gain better visibility, manage costs, and make more informed decisions about banking services and financial partnerships.

With more than 10 years of treasury and corporate finance experience, Tamara A.S. Saront-Eisner shares how Air Liquide manages banking relationships across a global business. She explains how the company integrated banking operations after a major acquisition, balancing global banking partners with local banking needs while reducing complexity. Tamara also discusses the challenges of understanding bank fees, maintaining visibility across multiple banking relationships, and improving treasury performance. She highlights how data, technology, and AI can help treasury teams gain better insights, control costs, and make stronger decisions about banking services and financial partnerships.

In this episode, expect to learn:

-How Air Liquide integrated banking relationships after a major acquisition while balancing global and local banking needs

-Why maintaining long term banking partnerships and minimizing customer disruption are important during treasury transformation

-How treasury teams can improve visibility into bank fees and better understand the costs of banking services

-The challenges of managing multiple banking relationships, analyzing bank fees, and maintaining internal discipline around cost control

-How data, technology, and AI can help treasury teams improve transparency, control costs, and make better banking decisions

📢 Ready to improve transparency in your banking operations? Learn more and discover how to start banking on intelligence.

Visit: https://www.open-fees.com/

📢 Want more insights on treasury visibility and banking relationships? Explore additional episodes, articles, and expert resources.

Visit: https://www.open-fees.com/resources

Timestamps:

[00:00] - Teaser

[01:21] - Introduction of podcast and guest Tamara A.S. Saront-Eisner

[03:19] - Acquisition Integration and Banking Relationship Changes

[05:18] - Banking Consolidation and Customer Collection Challenges

[11:57] - Managing Global, Regional, and Local Banking Needs

[15:18] - Bank Fee Visibility and Treasury Cost Challenges

[18:31] - Why Bank Fee Analysis Matters for Performance

[19:55] - Internal Discipline and Bank Fee Management Process

[27:09] - Technology, AI, and the Future of Treasury Banking

[31:04] - Improving Treasury Visibility Through Data and AI

[33:57] - Market Benchmarking and Final Treasury Advice

[36:13] - Podcast Resources and Early Adopter Program

"Disclosure: Portions of this episode (such as the introduction or promotional segments) use AI-generated voice narration produced under human editorial review."

Follow our Guest Tamara A.S. Saront-Eisner on:

-LinkedIn: https://www.linkedin.com/in/tamarasaronteisner/

-Air Liquide (LinkedIn): https://www.linkedin.com/company/airliquide/

-Air Liquide (Website): https://www.airliquide.com/

Follow Host Stephan Ireland on:

-LinkedIn: https://www.linkedin.com/in/stephanireland/

Follow the Podcast:

-YouTube: https://www.youtube.com/@openfees

-Visit the Website: https://www.open-fees.com/

-Apple Podcasts: https://podcasts.apple.com/us/podcast/the-open-ledger/id1896878038

-Spotify: https://open.spotify.com/show/033sorpebHWsYCZCdoCkBq?si=60eddd8e59ba4320

]]>03682b71-e848-4b14-a238-80c650f38b14Wed, 26 Aug 2026 05:00:00 -040037:20falsefullThe Bankers' Myth: How Real Banking Relationships WorkThe Bankers' Myth: How Real Banking Relationships WorkIn this episode of The Open Ledger Podcast, host Stephan Ireland speaks with Zac Nesper, CFA, Founder of Treasury Outcomes, Former SVP, Treasurer & CFO of Strategy & Incubation at HP, about building strong banking relationships and making better treasury decisions. Zac explains why bankers are neither friends nor enemies, but business partners who should be managed with transparency, accountability, and trust. He shares lessons from major corporate events, including hostile takeover defense, company separation, and capital markets transactions, while discussing banking scorecards, relationship management, and how AI may shape the future of treasury through faster decision making and stronger strategic insights.

With experience leading treasury at one of the world's largest companies, Zac Nesper, CFA shares how enterprise treasury teams can build stronger banking relationships and make better financial decisions. He explains why bankers should be viewed as business partners, not friends or enemies, and discusses the importance of transparency, accountability, and trust. Zac also shares lessons from major corporate events, explains how banking scorecards help evaluate relationships, and highlights how AI can help treasury teams respond faster, improve decision making, and provide greater strategic value.

In this episode, expect to learn:

-How to build stronger banking relationships through transparency, trust, and accountability

-Why bankers should be viewed as business partners instead of friends or enemies

-How treasury teams can use banking scorecards and performance reviews to manage banking relationships

-What major financing events and market challenges reveal about the quality of a banking partner

-How AI and strategic thinking can help treasury teams make faster decisions and deliver greater business value

📢 Ready to improve transparency in your banking operations? Learn more and discover how to start banking on intelligence.

Visit: https://www.open-fees.com/

📢 Want more insights on treasury visibility and banking relationships? Explore additional episodes, articles, and expert resources.

Visit: https://www.open-fees.com/resources

🌐Learn more about Zac Nesper, CFA and Treasury Outcomes.

Visit: https://treasuryoutcomes.com/

Timestamps:

[00:00] - Teaser

[01:41] - Introduction of podcast and guest Zac Nesper, CFA

[06:18] - Defining a Strong Strategic Banking Relationship

[09:57] - Banking Scorecards and Relationship Performance Reviews

[12:52] - Treasury Behaviors That Strengthen Banking Relationships

[14:33] - What Banks Reveal During Major Corporate Events

[21:58] - AI, Strategy, and the Future of Treasury Banking

[23:45] - Final Advice for Building Better Banking Relationships

[26:31] - Where to Connect with Zac Nesper, CFA

"Disclosure: Portions of this episode (such as the introduction or promotional segments) use AI-generated voice narration produced under human editorial review."

Follow our Guest Zac Nesper, CFA on:

-LinkedIn: https://www.linkedin.com/in/zac-nesper-cfa-34006b1/

-Treasury Outcomes (Website): https://www.treasuryoutcomes.com/

-HP (LinkedIn): https://www.linkedin.com/company/hp/

-HP (Website): https://www.hp.com/us-en/home.html

Follow Host Stephan Ireland on:

-LinkedIn: https://www.linkedin.com/in/stephanireland/

Follow the Podcast:

-YouTube: https://www.youtube.com/@openfees

-Visit the Website: https://www.open-fees.com/

-Apple Podcasts: https://podcasts.apple.com/us/podcast/the-open-ledger/id1896878038

-Spotify: https://open.spotify.com/show/033sorpebHWsYCZCdoCkBq?si=60eddd8e59ba4320

]]>In this episode of The Open Ledger Podcast, host Stephan Ireland speaks with Zac Nesper, CFA, Founder of Treasury Outcomes, Former SVP, Treasurer & CFO of Strategy & Incubation at HP, about building strong banking relationships and making better treasury decisions. Zac explains why bankers are neither friends nor enemies, but business partners who should be managed with transparency, accountability, and trust. He shares lessons from major corporate events, including hostile takeover defense, company separation, and capital markets transactions, while discussing banking scorecards, relationship management, and how AI may shape the future of treasury through faster decision making and stronger strategic insights.

With experience leading treasury at one of the world's largest companies, Zac Nesper, CFA shares how enterprise treasury teams can build stronger banking relationships and make better financial decisions. He explains why bankers should be viewed as business partners, not friends or enemies, and discusses the importance of transparency, accountability, and trust. Zac also shares lessons from major corporate events, explains how banking scorecards help evaluate relationships, and highlights how AI can help treasury teams respond faster, improve decision making, and provide greater strategic value.

In this episode, expect to learn:

-How to build stronger banking relationships through transparency, trust, and accountability

-Why bankers should be viewed as business partners instead of friends or enemies

-How treasury teams can use banking scorecards and performance reviews to manage banking relationships

-What major financing events and market challenges reveal about the quality of a banking partner

-How AI and strategic thinking can help treasury teams make faster decisions and deliver greater business value

📢 Ready to improve transparency in your banking operations? Learn more and discover how to start banking on intelligence.

Visit: https://www.open-fees.com/

📢 Want more insights on treasury visibility and banking relationships? Explore additional episodes, articles, and expert resources.

Visit: https://www.open-fees.com/resources

🌐Learn more about Zac Nesper, CFA and Treasury Outcomes.

Visit: https://treasuryoutcomes.com/

Timestamps:

[00:00] - Teaser

[01:41] - Introduction of podcast and guest Zac Nesper, CFA

[06:18] - Defining a Strong Strategic Banking Relationship

[09:57] - Banking Scorecards and Relationship Performance Reviews

[12:52] - Treasury Behaviors That Strengthen Banking Relationships

[14:33] - What Banks Reveal During Major Corporate Events

[21:58] - AI, Strategy, and the Future of Treasury Banking

[23:45] - Final Advice for Building Better Banking Relationships

[26:31] - Where to Connect with Zac Nesper, CFA

"Disclosure: Portions of this episode (such as the introduction or promotional segments) use AI-generated voice narration produced under human editorial review."

Follow our Guest Zac Nesper, CFA on:

-LinkedIn: https://www.linkedin.com/in/zac-nesper-cfa-34006b1/

-Treasury Outcomes (Website): https://www.treasuryoutcomes.com/

-HP (LinkedIn): https://www.linkedin.com/company/hp/

-HP (Website): https://www.hp.com/us-en/home.html

Follow Host Stephan Ireland on:

-LinkedIn: https://www.linkedin.com/in/stephanireland/

Follow the Podcast:

-YouTube: https://www.youtube.com/@openfees

-Visit the Website: https://www.open-fees.com/

-Apple Podcasts: https://podcasts.apple.com/us/podcast/the-open-ledger/id1896878038

-Spotify: https://open.spotify.com/show/033sorpebHWsYCZCdoCkBq?si=60eddd8e59ba4320

]]>d70c9e64-d689-4e4c-8fb2-d5959b0612e7Wed, 12 Aug 2026 05:00:00 -040026:59falsefullNew Episodes Coming SoonNew Episodes Coming SoonIn the world of finance, the most successful leaders aren’t just managing numbers - they’re shaping how organizations interact with banks. They’re the CFOs, treasurers, and finance leaders who make complex banking decisions clear and actionable.

Welcome to The Open Ledger, hosted by Stephan Ireland. With years of experience in treasury and banking, Stephan brings high-level executives together to share the conversations that rarely happen in boardrooms - covering bank fees, multi-bank relationships, cash visibility, and more.

Whether you’re a corporate CFO, treasury consultant, or finance professional looking to understand what you truly pay to banks, The Open Ledger gives you insider insights that cut through the complexity.

Subscribe now to The Open Ledger and get ready for an upcoming episode that brings clarity to the banking world. A new episode is coming soon!

]]>In the world of finance, the most successful leaders aren’t just managing numbers - they’re shaping how organizations interact with banks. They’re the CFOs, treasurers, and finance leaders who make complex banking decisions clear and actionable.

Welcome to The Open Ledger, hosted by Stephan Ireland. With years of experience in treasury and banking, Stephan brings high-level executives together to share the conversations that rarely happen in boardrooms - covering bank fees, multi-bank relationships, cash visibility, and more.

Whether you’re a corporate CFO, treasury consultant, or finance professional looking to understand what you truly pay to banks, The Open Ledger gives you insider insights that cut through the complexity.

Subscribe now to The Open Ledger and get ready for an upcoming episode that brings clarity to the banking world. A new episode is coming soon!

]]>0862b622-d4de-4e4a-a2b9-b0bffbb109fcThu, 04 Jun 2026 00:00:00 -040000:55falsefull