In this episode of Office Hours, Spencer speaks with Colin Walsh, CEO and Founder of Varo Bank about the importance of their startup getting its charter and being FDIC insured, what it's like leading the way of a "challenger bank" in the fin-tech space, the tough decision he's had to make to stay competitive, and how the bank aspires to create financial inclusion by focusing on its younger customer base. Colin also talks about his journey through the financial services industry having worked for large corporate institutions like Wells Fargo, Visa, American Express, and Lloyd's Banking Group.  (Disclosure: dot.LA co-founder Spencer Rascoff is an investor in Varo.)