©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 8 16 2025-2026 Issue 3 4 CHAIRMAN’S MESSAGE Safeguarding Trust The Role of the Deposit Insurance Fund By Brett Wyss, Chairman, CBA 6 From Hype to Headache? The HR and Legal State of Unlimited PTO By Chelsea Jensen, SHRM-CP, PHR, and Edward Encinias, Esq. 8 Navigating Regulatory Uncertainty With a Compliance Management System By Troy Snyder, Brad Birkholz and Ryan Colleran, Plante Moran 12 CBA Centerpoint Going Beyond the Desk to Hear the Stories of Colorado Bankers 14 How Deposit Flows Are Reshaping the U.S. Banking Landscape By Tim Groth, Vice President, Data Analytics, IntraFi 16 Insurance Tracking for Multi‑Collateralized Loans By MeKelee LaFoy, CP Insurance Associates 18 From SEO to GEO Why Banks Must Lead in the Age of AI Search By Joe McMann, Co‑Founder & CRO, Artificial Intelligence Risk Inc. 20 Building Consensus Around Tech Adoption in Banking By Neal Reynolds, President, BankMarketingCenter.com 22 Fraud’s New Frontier Can Regulators Keep Up with the Fraud Frenzy? By Carol Ann Warren, Associate General Counsel, Compliance Alliance 3 Colorado Banker
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