I've been now in the corporate world for over 30 years when I think about when I started and we had to wear skirts, suits and stockings, and why do we just think about how much the corporate culture has changed? And he says a pretty young company and actually only a it's only public company for what now 12 years or so. So it's very comfortable and casual culture and it's fun.

Do you want to know why it's casual and fun? Because it's everywhere you want to be. Exactly.

I've been waiting for and against work. I've been waiting to say that.

Hi, big, big day in pajamas, but I did shower my thing with when I do the podcast, I like to be clean, so I've been home and it feels like the pandemic has started all over again. Of course, there's a second wave, but I just feel like I'm back to the beginning. I sort of started to feel like the weather had turned and it was back to school and and in a good way, like I was in the city and going to brunch in my mind.

And now I feel like I've regressed. Something has happened. I don't know why, but I'm back in my pajamas feeling sort of like not knowing what to be doing with myself. It's a weird, weird time. So today, though, sometimes I just feel like I want to say something I know that's surprising to you. So Kylie Jenner, post it now. I don't follow her. I don't I don't think I follow up following most people.

But I saw I saw US Weekly posted something where I think it was it was it was Kylie's daughter, Stormi, I think. Wait, is she too? How old is she? I think it said to two year olds, how old is she? Somebody. Anybody. Right. So back to school. Back to school. What? I mean, back. Was she in school in your womb? I don't know. So she's so. So I guess Storm is back to school, but regardless.

So she had a backpack on. I guess it was a mess and I'm not judging I like I like man as I am as bags, I have nice stuff. The Mokoena front, I have nice watches, shoes on my feet. I bought them. I depend on me, but there's a picture of Stormi and it says back to school and she's standing between two very or next to a very expensive car. I can tell it's either some rare no one besides her has my back or my black Mercedes or a rolls or.

It's just, it's not, it's not a Hyundai Sonata, I can tell you that. So it says back to school and oh, first day of home school. Got it. So first day of home school with a Maybach or whatever that car is, and an enormous twelve thousand dollar backpack, which I really think is more than 12000, because if it gets ostrich's, you're going to have to get to research and development team on that.

But I post it. Can I see what I said? I think I have a Margueritte and a second. I just commented. I just I like when I'm like that because I just comment what I actually think and not just to be like, oh my God, I mean, to get trolled tomorrow. So I tweeted, I never say anything about this stuff, but this is the most transparent, humble brag I've seen yet. It's everything wrong with everything.

So it was everywhere I was in all these magazines and whatever that I said that and people were. You know, thousands and thousands of comments about like thank you for saying that, because a lot of people are scared to say things about them in particular. And it's more about like. Society and where we are in the world and what's going on, it's like I think I might be bragging, I'm not sure like me doubting myself and Dom Perignon with a bag full of Birkins, I mean, with a bet, with a Birkin full of diamonds.

And my child has a matching ninety thousand dollar bag. And I'm driving in a Ferrari and I'm helicoptering off a boat or the old. Let me take a picture of myself and pretend it's about me and my dog or my baby. But you see the big jet that I'm inside of in the background and all the champagne and caviar. That's the humble brag. So when you see hashtag blessed, when I see hashtag blessed, it equals bragging. It's like.

The Lord has been so good to me, I got a snakeskin fedora, like it's just, you know what I mean?

Like, I just don't think God shops Adams, but I don't know God and I don't know where she shops. So the bottom line is, you don't agree with me. Maybe I'm rich, too, and who cares? And I'm no better than her. And like I said, they're not all one person I've met, Chris. She's an amazing business person. I've met Kylie for ten seconds, don't really know her. But the point of the matter is you sort of get scared that you're going to say something and then you go in after the car Kennedys and like you're going to get killed.

I'm just not going to participate in any of that. So if I see something, you know, the Dalai Lama posts something like that, I'm going to say it, too. So it's not about the Kardashians. And if I post something like that, you're going to say it to and I'm going to get checked. And that's just the way it goes.

So today, Maryann Riley, who is the senior vice president of marketing for Visa North America, is a guest and she's a powerhouse woman who is self-made, which is really one of the main recipes for these conversations, in my opinion, because I feel that a lot of you want to know how to do it. So she is going to give us some insight as to what it's like to work in a corporate environment versus a more unstructured, just rogue kind of maverick environment.

We'll talk about money as it pertains to to women and to relationships and to men. And what do we tell our children? There will be something here for you to take to your business or to your life, no matter how big or small. Not that your life is small, but no matter how big or small, your your businesses, your life is big. Well, I'm excited to share this conversation with you guys after the break. I can't tell you how much I love this concept.

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Hello. Hi, Bethany. Maryann Riley, the senior vice president of North America marketing for Visa. That is a major, major, major baller title. It's not bad.

Yeah, it's a great role. A lot of work in the making, I assume.

Yes, a lot of work in the making. I I've been at Visa now for about two and a half years before that. I was at American Express for twenty six years and started my career as a CPA at Deloitte. Oh so made the move to marketing and never looked back. Wow.

Do you feel like it's like Coke and Pepsi. Like do you feel weird that you've gone from, you know, you've worked with two biggest names in this industry that it's like, you know, you must be all the same people I know there is there a lot of crossover, is a lot of crossover, including my boss and my boss's boss, who were a lot of the reason why I why I came over.

It's similar from a brand perspective, both amazing brands, but actually a very different model because Visa is actually a payment technology company. American Express is a credit card company and a payment technology company. So I think really we are the we are the rails on which all of our amazing partners and clients, which are the the banks and the merchants, you know, we we we are the connectors. And what I love about this is that I, as head of North America marketing, I, I have everything.

And to end with a little bit more siloed as an American Express where you had little pieces. But I own everything in North America.

You mean from a marketing perspective, you're working on so many different types of projects and there you were more it was more compartmentalized.

So you have a little piece. So I. Worked on the consumer side of the business early in my career at Amex, and then I worked at I worked on the small business side and then I was at the global brand level at at Visa, I have everything end to end from managing working with the global brand team, but leading all the brand efforts, the sponsorships, the direct marketing, the client marketing, the sponsorship activation. So I really own every piece of the business from a marketing perspective.

Got it.

So you said you started your career in accounting, which is certainly not marketing. So did you think yourself at any point in your life as a marketer or how did you end up in marketing?

I think it's so hard kids thinking about going into college and and trying to decide what you want to do. I didn't know what I wanted to do when I grew up, and I really didn't know when I went into college. And I ended up in accounting because as I as I as I worked with the guidance counselor where I wanted to narrow when it was, well, if you do accounting, you still get marketing. And if you do marketing, you're really you're not going to get you're not going to get that that level of of the financial.

Oh, God, I didn't love accounting. It was not me. I definitely have more of the creative side. When I moved into Amex, I supported marketing from an accounting perspective, but I leaned in and wanted to do really understand the marketing side. So when an opportunity came up, they talk to me on the shoulder and I thought, really, you want me to do marketing? So how do you define marketing?

When you think about marketing, it's really everything from establishing your brand, knowing who your target audience is, it being really clear and authentic on on that purpose and everything that you do. It's about creating that culture throughout the organization, because these are the brand is our most important asset. But everyone owns the brands, not just marketing. So we need to be creating internal marketing to make sure that the entire organization and every employee feels like they own the brand and are a steward and representative of the brand.

We also need to then be clear about what we stand for externally, because, again, because we were the engine of commerce, we are a we are a technology company and everyone needs to feel we're really abrams' about. Inclusive city and being there for everyone, everywhere, ultimately with the goal of uplifting everyone everywhere, including local economies. So that's what's exciting now because we feel like there's really this purpose of we can help bring local economies back.

So how have spending habits changed as a result of the pandemic? But for the small entrepreneur, this is the time that the playing field is very leveled. So many people that we're on top of the world are basically at the same level as people who just didn't know what they were going to do. So it's like it's a very weird time right now where people have to be woke. They have to be just alive and alert and ready to hit the ground running and figure out their plan is and how they're going to execute it, in my opinion, absolutely.

I mean, I think the time right now of we all understand that small businesses are really the they're the engine of the economy at the local level. So if we're going to bring the economy back, we have to help small businesses and consumers want to help small businesses. And I think to your point, what's happening? What's the data? It's obviously we're seeing more and more people buying online. So it's the challenge with which small businesses has been that many of them didn't have an e-commerce site.

Many of them have not have not. If they're brick and mortar, they haven't thought about that as a piece of their business. So we're helping them to build their e-commerce site if they don't have one. We created a a back to business site that actually connects consumers to small businesses by seeing who's open. There is a great example of just being super nimble and thinking about ways to help. That's amazing.

It's really, really good. So spending habits are changing and the more online are people spending less? Are you finding that people are spending less or they're just spending differently? I mean, I know people are spending a lot on home design right now and building and materials and just different types of spending.

Well, if you look overall, they're spending less because they're they're not traveling. So a lot of the writing that we see is on travel, but that's corporate travel. So just as you and I are traveling, I traveled a lot before covid. So it's that spending as well as consumers that's a lot of your spending is true is I travel my dilemma and life.

And when this comes back, I'd like you to implement this program for me, please. Just for me personally, for travel. OK, tell me that I don't know why hotels just don't charge a certain amount extra. And that is definitely dedicated to tips. I know there's always the service on the room service, but you just never feel like these people are getting their tips anywhere. And I always have obsessive tipping anxiety. So I end up bringing so much cash or going to the cat.

I just went away and I went to the cash machine every day because every time someone brings me something or does something I like to tip. So I just I would like the non transactional tipping to happen.

I could bet on the name of the list. I completely agree with you, Bethany. More to come on.

That play is OK. And you can name at the Bethany tipping point. If you guys want know, we could be tipping whatever you want, you can shorten it with that beats whatever you want. Just to me, I'm just getting real tips. I don't care. We will work on that together. Perfect. I love it. Just the tip started. Just kidding. OK, so I know you're caught up in anything inappropriate will be said from my side and you didn't hear it.

Just the tip. OK, so question. Do you speaking of inappropriate, you work in a corporate environment. You sound like you have a fun personality. How nervous are you just working? I would have a hard time working in a very corporate environment because I'm irreverent and I don't like to use a lot of corporate speak. I've joked on here before about like run it up the flagpole, down park that mom out of pocket. We're going to incentivize it impactful.

So how much corporate speak do you use and how do you feel about all of that?

I mean, to your point, you can't help but use corporate speak because it comes part of your part of your lingo. So the funny thing is that now that I'm working from home and I have my sister watches my my daughter for me, so she'll point it out like, oh, my God, you in that in your corporate speak and now my daughter. So throw terms back to me like that out of pocket or up the flagpole or. Yeah.

All of everything that you just said. Like, absolutely. It's it's now I'm so much more aware, but I have to say, I mean, I've been now in the corporate world for now. I threw it out there now over thirty years when I think about when I started and we had to wear skirts, suits and stockings and. We just think about how much the corporate culture has changed, and this is a pretty young company and actually only a it's only a public company for what, now 12 years or so.

So what I love about Visa is that it's much more casual atmosphere. It's not you can wear jeans and sneakers. And I think it is a little bit more irreverent and I don't so no, I don't feel like I have to think about what I say. I don't it's not a concern. It's not like in the back of my mind. Oh, let me watch my language or watch what I say. No, it's very comfortable and casual culture.

And that's what that's what I love about it. It's also really collaborative culture. So you do spend I spend most of my days talking to people now on the phone or on Skype. So it's it's collaborative and it's it's fun. So it's no, it's a great culture.

Do you want to know why it's casual and fun? Because it's everywhere you want to be. Exactly.

I've been waiting and working and doing his work. I've been waiting to say that.

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So are women still the fastest growing group in business? Absolutely, yes. So women are opening. First of all, just from the entrepreneurial standpoint, what I love is there's over two hundred fifty million entrepreneurs, women entrepreneurs globally that's opening businesses at one and a half times the rate of men. Of course, as you know, the challenge is that they're not getting the same level of funding. So that's also a lot of what we are doing is similar to you.

It's the it's the not only the the focus on supporting small businesses in general, but really focusing on women's empowerment and women's advancement. And it's amazing that women really do. There is a gap there that they are unaware of where to go, what resources are out there and just what to ask for. And the whole women in general need to know they're worse and ask for it.

Yes, but also, too, because this is an interesting thing just because of the way. I don't know either the way that I just am, I never thought about it, I've never thought about age, color, gender. So when I was going into the cocktail business, I just didn't even think about if I was a woman. And that was I was literally a business run by men marketed to men, except for women. There were no cocktails marketed to men, but I didn't even think of it.

In that case, ignorance is bliss. I just plowed through the cream rises to the top and I never thought about it. So in a way, you're teaching people what to do. But I think you also have to teach women how to think like that and how to just to have it naturally, to just be like go be the boss. And Judge Judy, when she won her lifetime achievement award, she said, thank God I didn't ask for equal pay with men to come out, which I thought was and may not be, what with such a great statement.

Well, first of all, because it is a lot about mindset. We've done we do a ton of research to really understand. And we were trying to get to the bottom of why is there this gap? And one of the big things in this came out with millennials, millennial research that we did where women were just as likely to ask for a promotion, but half like but 70 percent of them felt uncomfortable about asking for a raise. So it's about, you know, your it's a mindset, your confident women.

It's about getting women to to have that confidence and feel empowered to ask for what they're worth, to speak up and to, you know, really just it's a mindset. It's it's a confidence. It's an empowerment. That's the big that's a big difference.

You know, it's interesting. So you have fourteen year old daughter. I have a ten year old daughter, and we're talking about sort of just owning it. And, you know, I always say be better than the men. Like, just go in, just don't think about what anyone else is doing and just go be you and be the best.

Now my daughter is fifteen and a half, so why it's OK. No, I mean but believe me, it's, I can't believe the fact she's going to be sixteen in a few months so I can give you tips as you enter the the very challenging teenage years. Buckle your seat belt on.

But I live in fifteen and a half year old when she goes on a date, you're not telling her to to pay the bill. I mean, you're not saying she should never own money, but you said, you know, she's not luckily she's not dating yet, but so that that could come any day. But absolutely. And and still say things like, oh, mommy, don't worry that when you get older, I'm going to have a really big house and and I'll make sure I have a wing for you.

And I'm like, oh, that's so great, Fiona. Thank you. You're not going to put me in a nursing home? And I said, how great have you thought about are you going to make all this money? Oh, I'm just going to make sure I marry rich.

And I said, no. Oh, my God. You need to own your.

I need to. You need to. You need to establish yourself. You need to earn your own money. Like where did this come from? Because I'm a widow and a single mother and I what I am the sole breadwinner and I have so I own my house. I'm in the process of buying up buying a beach house, which I'm really proud of, that I'm able I want to be that role model for her to see that I am a strong woman who as has built my career and I think bringing her to different events and allowing her to see the younger women on my team, you know, right out of college.

Yeah, I love that my daughter is real. She's very athletic. She's very strong. She she has full confidence that she is better than at this point, the boys. So. And that's great.

Yeah, I know. I've got that same thing and I love that. I want it sort of and on just hearing from you what your mantra is like, what your what you tell people, what you think inside, what you, you know, business wise, what your business mantra is.

So I would say I believe in being fully authentic and and transparent with my team. I think my mantra is to really empower my team and inspire them for us all to be clear and to be collaborative and to kind of hold hands during this time and try to ask in every meeting, how are you, especially now, how are you doing? How are you feeling? And the personal the personal level is just as important as as the business. And I think you need to make connections and and really make sure that everyone feels like you do care because people are struggling right now.

I mean, there is just you know, there are are there dual working couples with small kids at home with our child care during this time? So to say, you know, what can I do to. You tell them my job is to is to enable you. My job is to remove barriers as a leader, so you need to feel comfortable speaking out to me. And that's where the making that connection, personal connections important so that they can raise their hand and say, I'm not feeling great today and I ain't or I need you to help me with this problem.

So it's the, I think, personal, authentic connections, empowerment and inspiration and focusing on the positive and the opportunities.

I love it. I love it. It's an amazing, amazing place to end. And it's just great to tell your story. And yes, this podcast is really about people who have just sort of thought through passion, drive and determination to get to where they are. And I just think it's very helpful for people at businesses of all level or even people who just would think about being an entrepreneur or starting to hear these stories just to kind of it's not that easy to get around.

This is the recipe book for how to do it, because people see people once they've become successful. And I think they need to see really the nuts and bolts and the fabric of the quilt, like how it how it got stitched together. So I really, really appreciate you sharing that with us.

Thank you. Thanks for having me. Well, I thought that was really interesting and we're kind of putting together a puzzle here of different ways to navigate reaching success. Some people have gone the corporate route. Some people have gone from selling T-shirts, shirts in their car to selling Christmas trees and gone a really circuitous route like me.

The truth is, none of it is a straight line. There's a lot of bobbing and weaving, a lot of navigating and a lot of drama and a lot of competition.

And so I think it's interesting to hear from all different types of people how they got there.

And that's what I really want you to garner and to listen to, because you're going to put that all together into your own entrepreneurial puzzle.

Thank you so much for listening. And please remember to always rate, review and subscribe and definitely comment and check us out on Instagram. But I definitely want to hear what you have to say. I want to hear your feedback. I want to hear what you hate. I want to hear what you love and want to hear what you want and what you need and what's pissing you off. And I can't wait to talk soon.

Just is hosted and executive produced by me, Bethenny Frankel, Brail Productions and Endeavor Content. Our managing producer is Samantha Allison and our producer is Caroline Hamilton for the venture is our consulting producer with the ever faithful. Sarah Cattanach, as our assistant producer or development executive. Is Nayantara voice just be is a production of endeavor content and spoke media. This episode was mixed by Sam Baer. And to catch more moments from the show, follow us on Instagram and just be with Sam.