©2025 The Colorado Bankers Association (CBA) | The newsLINK Group LLC. All rights reserved. Colorado Banker is published six times per year by The newsLINK Group LLC for CBA and is the official publication for this association. The information contained in this publication is intended to provide general information for review, consideration and education. The contents do not constitute legal advice and should not be relied on as such. If you need legal advice or assistance, it is strongly recommended that you contact an attorney as to your circumstances. The statements and opinions expressed in this publication are those of the individual authors and do not necessarily represent the views of CBA, its board of directors or the publisher. Likewise, the appearance of advertisements within this publication does not constitute an endorsement or recommendation of any product or service advertised. Colorado Banker is a collective work, and as such, some articles are submitted by authors who are independent of CBA. While a first-print policy is encouraged, in cases where this is not possible, every effort has been made to comply with any known reprint guidelines or restrictions. Content may not be reproduced or reprinted without prior written permission. For further information, please contact the publisher at (855) 747-4003. Jenifer Waller President & CEO Alison Morgan Director of State Government Relations Brandon Knudtson CFO & Director of Membership Lindsay Muniz Director of Education Parker Terrell Communications Specialist Megan Carruth Executive Assistant Margie Mellenbruch Bookkeeper* Melanie Layton Lobbyist* Garin Vorthmann Lobbyist* Caroline Woodhouse Lobbyist* *Outsourced 140 E. 19th Ave., Ste. 400 Denver, Colorado 80203 Office: (303) 825-1575 coloradobankers.org colorado-banker.thenewslinkgroup.org BUILDING BETTER BANKS — Helping Coloradans Realize Dreams 10 18 2025-2026 Issue 2 4 PRESIDENT’S MESSAGE Federal and State Legislative Update By Jenifer Waller, President and CEO, CBA 6 Compensation and Executive Benefits Strategies for Attracting and Retaining Top Talent By Ken Derks, Consultant, NFP Executive Benefits 10 A Passwordless Future for Financial Services By Ben LeClaire, Plante Moran 12 How Lenders Are Risking Major Losses On Untracked Collateral By MeKelee LaFoy, CP Insurance Associates 14 CBA Centerpoint Going Beyond the Desk to Hear the Stories of Colorado Bankers 16 AI Use Cases in Banking A Roadmap to Smarter Decisions and Stronger Outcomes By Sriram Tirunellayi, Director of Applied AI, Abrigo 18 The Hidden Growth Tool in Your Loan Portfolio How to Spot SBA 504 Opportunities Before Your Competitors Do By B:Side Capital 20 The State of Ransomware 2025 By Sally Adam, Vice President, Solution Marketing, Sophos 22 Choosing a Deposit Network and Maximizing Its Value for Your Bank By Steve Kinner, Senior Managing Director, IntraFi 23 Tired of Outdated, Static ATM Drive-Up and Branch Signage? Discover How Digital Signage Is Transforming the Branch and ATM Drive-Up Experience By Cook Solutions Group 3 Colorado Banker
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