Jim Ensign is Chief Digital Officer for Republic Bank & Trust Company, developing digital strategy, customer experience and marketing with a focus on their recently launched national digital-only division MemoryBank (www.mymemorybank.com). Jim’s path into digital banking leadership was different than most, with a history of leading digital transformation in retail and marketing companies. Just prior to joining Republic Bank, Jim, as VP/Global Digital for Papa John’s International, led their transformation from a traditional delivery chain taking orders over the phone to a global digital-first company with the majority of sales coming through mobile and web.