2025 ISSUE 2 Official Publication of the Community Bankers Association of Kansas CRYPTO SCAMS AND CRYPTO FRAUD DETECTION FOR FINANCIAL INSTITUTIONS Top Challenges and Opportunities for Community Banks in 2025 Three Tips to Build Your Case for Regulatory Change Automation
CONTENTS ISSUE 2 www.cbak.com ©2025 The Community Bankers Association of Kansas (CBAK) | The newsLINK Group LLC. All rights reserved. In Touch is published six times per year by The newsLINK Group LLC for CBAK 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 CBAK, 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. In Touch is a collective work, and as such, some articles are submitted by authors who are independent of CBAK. 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. 11 CRYPTO SCAMS AND CRYPTO FRAUD DETECTION FOR FINANCIAL INSTITUTIONS 18 THREE TIPS TO BUILD YOUR CASE FOR REGULATORY CHANGE AUTOMATION 20 THE SECTION 1033 FINAL RULE 4 FLOURISH AMPLIFYING THE COMMUNITY BANK DIFFERENCE By Rebeca Romero Rainey, President and CEO, ICBA 6 PORTFOLIO MANAGEMENT CONCEPTS AND FACTS ChatGPT Gets it Mostly Right on Yield Curve Shapes By Jim Reber, President and CEO, ICBA Securities 8 SAVE THE DATE CBA 47TH ANNUAL CONVENTION & TRADE SHOW July 7-9, 2025 10 ICBA CAPITAL SUMMIT May 12-15, 2025 | Washington, D.C. 11 CRYPTO SCAMS AND CRYPTO FRAUD DETECTION FOR FINANCIAL INSTITUTIONS By Terri Luttrell, CAMS-Audit, CFCS, Compliance and Engagement Director, Abrigo 14 TOP CHALLENGES AND OPPORTUNITIES FOR COMMUNITY BANKS IN 2025 By Allison Maddock, Senior Vice President and Chief Product Officer, CSI 16 CBA EDUCATIONAL CRUISE Where Relaxation, Entertainment and Education Meet 18 THREE TIPS TO BUILD YOUR CASE FOR REGULATORY CHANGE AUTOMATION By Wolter Kluwer 20 THE SECTION 1033 FINAL RULE Providing Community Banks With the Perfect Innovation Opportunity By Bradley Wallace, Director of Compliance, CSI 22 ANNIVERSARIES 23 OFFICERS AND DIRECTORS 23 PRODUCTS AND SERVICES REFERENCE LIST 26 BANK WEBINARS 3 In Touch
ICBA’s 2025 Community Bank CEO Outlook Survey revealed that 77% of community bank executives believe their greatest business opportunity this year will be differentiating their community bank from other financial services firms. Demonstrating our unique value proposition is a growing priority for two key reasons. The first reason is today’s competitive landscape. We are living in an environment where everyone wants to be a bank, but they aren’t operating by the same rules, which is driving a need to differentiate what we do and who we are as community bankers. It’s our job to help our customers recognize the community bank difference, both to strengthen our relationships with them and protect them from potential pitfalls with other providers. The second reason is the growing demand for community connection. There’s a rising awareness of “bank local” and what that means, but we must continue emphasizing the message that we are different from the nonbank providers that are calling themselves banks, credit unions that are tax-advantaged, and megabanks that treat their customers like numbers. We need to reiterate the positive impact we have on our customers and communities. We must acknowledge both competitive headwinds and know that we have tailwinds to drive us forward when it comes to what we do at a local level. The good we do for our communities can’t be overstated. But it’s not just our customers and potential customers we need to reach with this messaging. Rulemakers and regulation writers must understand our uniqueness. They need to know that we offer a completely different risk paradigm, keep capital in our communities (their districts), and drive the local economy — and that requires our voices to tell those stories. Storytelling, marketing, differentiation: Conceptually, they all make sense, but with each comes a question of, “Now what?” The answer falls in how we apply our stories to cut through the noise of today’s financial services landscape and resonate with our audiences. That’s why ICBA has launched our ICBA Marketing Resource Center (icba.org/mrc). From search engine optimization tips and ready-to-go segments to produced materials that can be customized for your institution, the resources we’ve provided not only offer information on marketing concepts but deliver the tools to highlight what’s unique about our industry and your bank. And the work continues: We are committed to making this center evergreen, providing new resources as opportunities arise. Our unique value proposition makes us second to none, and with our collective efforts, we will drive home that message and the community bank difference. FLOURISH AMPLIFYING THE COMMUNITY BANK DIFFERENCE BY REBECA ROMERO RAINEY PRESIDENT AND CEO, ICBA 4 In Touch
PORTFOLIO MANAGEMENT CONCEPTS AND FACTS ChatGPT Gets it Mostly Right on Yield Curve Shapes BY JIM REBER PRESIDENT AND CEO, ICBA SECURITIES The Impact of the Treasury Yield Curve on Community Banks The Treasury yield curve is a critical financial indicator that depicts the relationship between interest rates and the maturity dates of U.S. government debt. Typically, the yield curve slopes upward, reflecting higher yields for long-term securities compared to short-term ones. This essay explores how the shape of the Treasury yield curve affects community banks, focusing on their lending practices, interest rate risk management, and overall financial health. Understanding the Yield Curve The yield curve can take on various shapes, primarily categorized as normal, inverted, or flat. A normal yield curve indicates that longer-term bonds have higher yields, suggesting economic growth; an inverted yield curve occurs when short‑term yields exceed long‑term yields, often seen as a predictor of recession; and a flat yield curve signifies uncertainty in the economy, where there is little difference between short‑term and long‑term rates. Each of these shapes presents unique challenges and opportunities for community banks. Lending Practices Community banks primarily generate revenue through lending, and the yield curve significantly influences their lending practices. In a normal yield curve environment, community banks can borrow at lower short-term interest rates and lend at higher long-term rates, which supports their profitability. For example, if a bank can secure funding at a 1% interest rate for a one-year loan and lend it out at 4% for a 30-year mortgage, the spread — essentially the bank’s profit — is 3%. This difference allows community banks to support local economies, providing loans for homes, businesses, and other community projects. Conversely, when the yield curve flattens or inverts, the profitability of these lending activities diminishes. In an inverted yield curve scenario, community banks may find themselves in a position where they borrow at higher short-term rates than the rates at which they can lend long‑term. This situation compresses margins, potentially leading to a reduction in loan origination and, consequently, a slowdown in economic activity within the communities they serve. Interest Rate Risk Management Community banks must also navigate interest rate risk, which is the risk of financial loss due to changes in interest rates. The shape of the yield curve plays a crucial role in how banks manage this risk. In a normal yield curve scenario, banks can match the duration of their assets (loans) with their liabilities (deposits) effectively. For instance, if a community bank has long-term fixed-rate mortgages, it can rely on stable, lower-cost funding from short-term deposits. Wrong! This is the very recipe for exposure to rising rates. This alignment helps mitigate the risk of rising interest rates. However, during periods of an inverted or flat yield curve, community banks face increased interest rate risk. Not necessarily. The duration mismatch can lead to a situation where liabilities reprice before assets, exposing banks to potential losses. To manage this risk, community banks may engage in interest rate swaps or other hedging strategies, but these can be costly and complex, particularly for smaller institutions with limited resources. Asset Quality and Loan Demand The shape of the yield curve also affects asset quality and loan demand, which are critical for community banks’ stability. In a normal yield curve environment, economic growth typically leads to increased demand for loans as businesses and consumers have greater confidence in their financial prospects. Community banks can capitalize on this demand, extending credit while maintaining healthy asset quality. However, when the yield curve inverts, it often signals an impending economic slowdown. As businesses and consumers become more cautious, loan demand may decline, and existing borrowers may Note: In this column, for the first time, I relied on ChatGPT, the generative artificial intelligence (AI) platform. For the record, I submitted this inquiry: “Write a 700-word essay on how the shape of the Treasury yield curve affects community banks.” The following was generated in, I guess, three seconds, and most of it appears to be correct. I’ve taken the liberty of adding some commentary in bold, and there really aren’t many changes. In the future, I will only use AI if I fully disclose its assistance. And you’ll be able to tell because there’s no snark in AI-generated documents. 6 In Touch
struggle to meet their obligations, leading to increased default rates. This deterioration in asset quality can significantly impact community banks, which often have concentrated loan portfolios tied to local economies. It’s a bit of a non-sequitur to claim inverted curves cause a decline in credit quality. It’s more like the curve is reacting to that expectation. A rise in non-performing loans can strain capital reserves and lead to regulatory scrutiny. Conclusion The shape of the Treasury yield curve is a pivotal factor influencing the operations and financial health of community banks. A normal upward-sloping curve supports profitable lending practices and encourages economic growth, while an inverted or flat curve presents challenges related to interest rate risk, profitability, and asset quality. Community banks must remain vigilant and adaptable to changes in the yield curve, employing sound risk management strategies and maintaining strong relationships with their local communities. Understanding these dynamics is essential for community banks as they strive to navigate the complexities of the financial landscape and continue to support their local economies. Jim Reber (jreber@icbasecurities.com) is president and CEO of ICBA Securities, ICBA’s institutional, fixed-income broker-dealer for community banks. Education on Tap Thanks to ICBA Affiliates for Your 2024 Support ICBA Securities and its exclusive broker-dealer Stifel participated in education events for 28 ICBA state affiliates this year, which is the most in our history. We are grateful for the relationships and look forward to more collaboration in 2025. 7 In Touch
CBA 47th ANNUAL CONVENTION & TRADE SHOW JULY 7-9, 2025 Kansas City Marriott Downtown 200 W. 12th St. Kansas City, MO Call (816) 421-6800 for more information!
FMSI www.fmsiconsulting.com 913.955.3355 FMSI is a small business founded and located in Kansas, specializing in assisting community banks to succeed, a mission consistent with core CBA values. We have partnered with community banks for nearly 25-years providing core advisory services including asset/ liability, investment, and liquidity management. FMSI advisors actively assess market conditions and bank balance sheets of different size, mix, and capital levels. Market conditions are constantly changing presenting opportunities and challenges for CBA member banks. Interest rates are increasing for the first time in nearly a decade and now is a perfect time to partner with a trusted, industry leader. Establishing an FMSI relationship provides confidence your bank is optimizing the balance sheet, deploying necessary strategies, maximizing profitability, and managing balance sheet risks. FMSI is a Kansas CBA Endorsed Provider 9 In Touch
ICBA.ORG/CAPITALSUMMIT REGISTER TODAY → Join community bankers from across the country in Washington, D.C., to champion the role of community banking. Connect directly with lawmakers and regulators, share the real-world stories behind your work, and influence policies that strengthen your community. This is your opportunity to create meaningful change. Registration is free for all of our Nation's community bankers. Make Your Mark. Shape the Future of Community Banking. ICBA Capital Summit May 12–15, 2025 | Washington, D.C.
With cryptocurrency investments rallying post-election 2024, consumers and financial institutions alike must stay alert to an ever-growing threat of crypto fraud. Offering many opportunities for investors, cryptocurrency is also a playground for scammers. As it becomes more integrated into our financial system and scams increase, crypto fraud prevention must be a priority. Fraud, in general, has continued to surge in the past several years. The FTC reports a staggering $10 billion in consumer losses to fraud in 2023, up from $3.5 billion in 2020. According to the FBI, cryptocurrency is fast becoming a favorite for scammers, not just in the murky realms of the dark web, but in everyday transactions. Fraud involving crypto represents more than half of the reported fraud losses in 2023 at $5.6 billion. These numbers are likely lower than the actual losses, as many victims choose not to report due to embarrassment that they were fooled, possibly by someone they trusted. Why is crypto fraud skyrocketing? It boils down to opportunity. Cryptocurrencies have become more mainstream and accepted as legitimate investments, attracting not only investors but also international crime syndicates and tech-savvy scammers. Here are some driving factors: • More Investors, More Targets: As cryptocurrencies gain traction, even less-savvy individuals jump in, often without a complete understanding of the risks. There are currently an estimated 560 million crypto owners worldwide, creating a larger victim pool for fraudsters. • More Types of Cryptocurrencies Are Entering the Market: Cryptocurrencies come and go, sometimes rather quickly. In the first quarter of 2024, there were approximately 9,000 active cryptocurrencies. Some are more legitimate than others, and investors should research them carefully. • A Hidden Transaction Trail: Crypto transactions’ decentralized, often anonymous nature makes it easier for fraudsters to stay concealed, and the growing popularity of digital assets creates an ideal breeding ground for deception. • Loose Government Regulation: The lack of regulation in the crypto space can create opportunities for fraudulent schemes. Although the regulatory agencies have pushed for enhanced regulation, it is unlikely that the incoming administration will call for oversight anytime soon. • Global Targeting: The U.S. is a prime target for scams because of its comparative wealth and willingness to embrace speculative markets. In addition, many Americans value online relationships, making them easy prey. Plus, let’s face it — many investors are drawn to get-rich-quick schemes. Should AI Be Blamed for the Rise in Crypto Fraud? Not entirely, but AI has made scams more convincing. While AI gets much of the blame, it’s one piece of the puzzle. AI‑generated phishing emails are grammatically flawless, and deepfake technology allows scammers to impersonate high-profile figures CRYPTO SCAMS AND CRYPTO FRAUD DETECTION FOR FINANCIAL INSTITUTIONS BY TERRI LUTTRELL CAMS-AUDIT, CFCS, COMPLIANCE AND ENGAGEMENT DIRECTOR, ABRIGO 11 In Touch
and even executives. The result? Fake investment pitches or urgent transfer requests that seem legitimate. However, AI isn’t just a tool for bad actors. It’s also a game-changer for crypto fraud detection. Machine learning helps financial institutions analyze large amounts of data to identify red flags, like unusual transactions or deviations from a customer’s normal behavior. The key is leveraging fraud detection software to stay one step ahead of evolving tactics. Top 10 Crypto Scams According to the FTC, the top 10 crypto fraud trends to watch are: 1. Investment Scams: Investment scams come with “get rich quick” and “no risk” promises, often initiated through social media or online dating apps. In these scams, crypto can be the investment offered or the payment method. The invested crypto goes straight into the scammer’s wallet. 2. Romance Scams: Romance scams prey on relationships and have both an investment and payment angle. After gaining trust, the perpetrator pretends to have wealth and casually offers investment tips to get their scheme rolling. Once a rapport is established, the victim is asked to send crypto to the scammer. 3. Business, Government or Job Impersonation Scams: In a business, government or job impersonation scheme, the perpetrator presents themselves as a trusted online source, such as Amazon, FedEx or a user’s bank, and convinces users to send them funds by buying crypto. The crypto offered by the scammer is fraudulent. 4. Rug Pull Scams: So-called rug pull scams are when investment scammers propose a new crypto opportunity or nonfungible token (NFT) that requires funding. After the project initiators receive payment, they disappear, leaving their investors no avenue to get money back. 5. Phishing Scams: Phishing scams use emails with malicious links to gather personal details, such as users’ crypto wallet key information. If they obtain enough information, the scammer can gain unfettered access to victims’ crypto. This type of fraud can also be perpetrated via text message in a method known as “smishing.” 6. Social Media Scams: The FTC reports that half of those who have reported crypto losses since 2021 said the scam began with an ad, post or message on social media. The most identified platforms used were Instagram, Facebook, WhatsApp and Telegram. 7. Ponzi Schemes: Ponzi schemes via cryptocurrencies work the same way they do with traditional payment methods. Scammers collect funds from new investors in order to pay the older investors, creating no legitimate investment opportunity and leaving investors with no recourse. 8. Upgrade Scams: Crypto platforms are a form of software that, at times, requires upgrades. Consumers are accustomed to upgrades as part of innovative technology. They can easily be scammed into giving up their private keys as part of an “upgrade” that turns out to be fraudulent. 9. SIM-Swap Scams: SIM-swap scams occur when someone obtains a copy of your cellphone’s SIM card to access your phone data. With a user’s data in hand, scammers can steal two-step authentication codes required to open their crypto wallet, allowing the scammer access to account funds and information. 10.Fake Crypto Exchanges and Crypto Wallets: Inexperienced crypto users may be lured into investing in a new high-value cryptocurrency exchange opportunity or a “cheap” Bitcoin that doesn’t exist. Scammers advertise the investment at a price under market value, and the victim is unaware that the exchange is fake until their investment is lost. A fake crypto wallet is a malware scam that infects a computer and eventually steals the user’s private key. Recognizing Cryptocurrency AML/CFT Red Flags Consumers must be vigilant and conduct thorough research before engaging with any cryptocurrency platforms or investments. Crypto schemes vary in sophistication and complexity, and anyone can fall victim. Financial institutions can help their clients avoid falling prey by understanding and communicating the red flags offered by the FTC: • Scammers will guarantee profits or significant returns. No crypto investment is guaranteed to make money, let alone big money. No legitimate entity will require you to buy crypto. Not to solve a problem, not to protect your money. That’s a scam. • Never mix online dating and investment advice. If a new love interest wants to show you how to invest in crypto or asks you to send them crypto, be wary of a scam. • No legitimate business or government will ever email, text or message you on social media to ask for crypto. Legitimate fundraisers will never demand that you buy or pay with crypto. • Never click on a link from a random text, email or social media message, even if it seems to come from a company you know. • Don’t pay anyone who contacts you unexpectedly and demands payment with crypto. Urgency is a red flag. • Never pay a fee to get a job. If someone asks you to pay upfront for a job or says you should buy crypto as part of your job, it’s a scam. • Use reputable crypto wallets and platforms with solid security measures, such as multi-factor authentication. • Beware of “too good to be true” investments — if it seems off, it probably is. • Educate yourself and vulnerable loved ones about common scams, especially seniors and individuals with diminished capacity, especially romance schemes that evolve into crypto cons. 12 In Touch
In a Joint Statement on Crypto-Asset Risks to Banking Organizations, the regulatory agencies stated that their examiners will focus on risk assessments relating to crypto custody services and other distributed-ledger technology products and services. Your AML risk assessment must be enhanced to include a thorough analysis of crypto risk within your financial institutions, along with all mitigating factors. How To Avoid Crypto Fraud: Protecting Your Clients The good news? Financial institutions aren’t powerless. They can help protect consumers and fight back against fraud. Here’s what financial institutions can do: • Invest in fraud detection software like Abrigo’s AML software solutions, which flag suspicious activity and alert the client of potential fraud. • Monitor unusual transactions, such as large transfers to high-risk regions or activity on less reputable digital currency exchanges. • Conduct regular staff training to recognize red flags and respond quickly. • Engage your customers with educational resources to empower them against scams. • Employ customizable rules that are tailored to your institution’s specific risk profile, including monitoring senior accounts or transactions involving privacy coins. Conclusion: The Future of Crypto Fraud The threat of crypto scams underscores the need for constant vigilance. Whether it’s investment opportunities that seem too good to be true or the peculiar urgency of a stranger’s request for crypto, recognizing the red flags can help prevent falling victim to crypto fraud. With the right tools and proactive strategies, you can protect your clients — and your reputation — from these emerging threats. Crypto is most likely here to stay, and so is the fight against fraud. Fraud detection can be resource-intensive, but with Abrigo’s “human-in-the-loop” approach, the technology works alongside investigators, streamlining efforts and ensuring critical cases get the attention they deserve. Together, financial institutions and consumers can navigate this threat and build a safer investment future for everyone. Terri Luttrell is a seasoned AML professional, former director and AML/OFAC officer with over 20 years in the banking industry, working in medium and large community and commercial banks ranging from $2 billion to $330 billion in asset size. 13 In Touch
Continued adoption of open banking, enhanced cybersecurity and evolving regulatory concerns shape what financial institutions must consider when developing their strategies. However, these areas also represent a tremendous opportunity for those who adapt. CSI’s Banking Priorities Survey — which asked a cross-section of community bankers nationwide about their strategies and priorities for 2025 — explored both, taking the industry’s pulse and plans for the year. 2025’s Foremost Challenge: Cybersecurity/Data Privacy Although we’ve made advances in cybersecurity monitoring technology, cyberattacks continue making headlines and concern institutions of all sizes. The average cost of a data breach rose from $5.9 million in 2023 to $6.08 million in 2024. A successful cyberattack can also expose an institution to reputational and legal consequences. For all these reasons, paired with regulatory scrutiny, 28% listed cybersecurity/data privacy as the most pressing issue, surpassing all other concerns. To stay ahead of cyber threats, institutions need around-the-clock monitoring and response. A managed cybersecurity monitoring platform helps institutions identify anomalies and send alerts for investigation to ensure the threat doesn’t spread. Solutions like data loss prevention (DLP) help institutions protect their data and control how it’s shared. Implementing cyber hygiene is another effective strategy to improve security and keep employees and consumers safe. 2025’s Second Most Significant Challenge: Interest Rates Interest rates surged in 2022 and 2023 due to the Federal Reserve’s efforts to curb inflation, creating a challenging environment for community banks. Bankers’ concern for interest rates has lowered since 2023, potentially due to stabilizing rates and anticipated future rate changes from the Fed. Nevertheless, it ranked second highest on their list of concerns. This economic uncertainty is prompting a prioritization of digital account opening and related technologies, emphasizing gaining new accounts and low-interest deposits. Institutions should also evaluate opportunities within their existing market and portfolio. Diversifying portfolios through resources like lending marketplaces is another avenue institutions are exploring to weather the effect of high interest rates. Bankers’ Top Technology Investments Financial institutions are doubling down on digital-first technology investments to meet the evolving needs of a convenience-driven, tech-savvy clientele. 2025’s Leading Investment: Efficiency Drivers like Automation or AI At the forefront of technology investments lies efficiency drivers like automation or AI, with 43% of bankers acknowledging its importance. Most banks are seeking efficiencies in back-office processes, with some beginning to utilize AI and automation to remove manual steps and add new functionality. The rise of generative AI tools, which the following discusses, offers the potential for heightened efficiency in the banking sector. Automation enables banks to streamline processes, improve customer interactions and strengthen fraud detection. 2025’s Second Highest Ranking Investment: Data Analytics and Reporting Garnering 42% of the vote, data analytics and reporting are transforming banking and customer experience. Data analytics and reporting provide banks with insight to understand customer behavior and identify areas to better serve them, including TOP CHALLENGES AND OPPORTUNITIES FOR COMMUNITY BANKS IN 2025 BY ALLISON MADDOCK SENIOR VICE PRESIDENT AND CHIEF PRODUCT OFFICER, CSI 14 In Touch
customizing offerings and promoting them via the digital experience. Using data analytics and reporting to personalize the digital experience is the core of digital engagement. To improve digital engagement, banks should strive to provide unique solutions to best serve customers and increase the adoption of those services. The more personalization banks build into their products and experiences, the more they will drive engagement, adoption and loyalty. Bankers’ Top Opportunities for 2025 Bankers are strategically engaging with consumers and embracing transformative trends that promise to redefine banking operations and customer service in the years to come. 2025’s Greatest Opportunity: Harnessing the Power of AI 33% of bankers surveyed named AI as 2025’s top technology trend. Generative AI applications, for example, promise hyper‑personalized, around-the-clock service. If deployed well, this could enable community banks to level the playing field. From virtual assistants to content creation tools, the applications of generative AI are vast, offering banks newfound agility and efficiency in meeting customer needs. By embracing these deep learning technologies, institutions can position themselves as leaders in innovation and customer‑centricity, driving sustained growth and profitability in an ever-evolving landscape. However, time will tell how regulations and successful use cases permeate the industry. 2025’s Second-Greatest Opportunity: Real-Time Fraud Detection As fraud continues to skyrocket, 17% of bankers selected real-time fraud detection as the top technology trend poised to affect the industry in 2025. FTC data showed consumers reported fraud losses totaling more than $10 billion in 2023, particularly in areas like check fraud. Real-time fraud detection presents a valuable opportunity for community banks in 2025. From synthetic identity fraud to check fraud, AI-powered solutions that analyze copious amounts of data stand to help institutions fight these evolving threats. Institutions should inform customers about these evolving fraud tactics. Navigating the Road Ahead for Community Banking From digital banking to AI and open banking, bankers are strategically engaging consumers and capitalizing on emerging trends, demonstrating measured confidence in navigating the ever‑changing financial landscape. This article only scratches the surface of their planned investments. See a more complete picture in the 2025 Banking Priorities Executive Report by scanning the QR code. https://info.csiweb.com/csi-banking-priorities-2025 Allison Maddock serves as senior vice president and chief product officer, a role in which she leads CSI’s product management team to deliver solutions aligned with CSI’s vision and strategy. As a member of the executive leadership team, she uses her product management, strategy, operations and technology expertise to advance CSI’s products and services. Bankers are strategically engaging with consumers and embracing transformative trends that promise to redefine banking operations and customer service in the years to come. 15 In Touch
CBA EDUCATIONAL CRUISE Where Relaxation, Entertainment and Education Meet Feb. 8-15, 2026 Puerto Rico, British Virgin Islands, Antigua, Barbados, St. Lucia, St. Maarten and U.S. Virgin Islands CBA invites community bankers, directors, employees, associate members, family and friends to join us for an unforgettable journey to tropical islands throughout the Caribbean. This “All-Inclusive at Sea” adventure is the perfect opportunity to relax in the sun while also networking with banking professionals. Visit www.cbak.com for more details. For more information, contact Marilyn Boeding at (785) 336-6383 or by email at pm_boeding@yahoo.com. 16 In Touch
THREE TIPS TO BUILD YOUR CASE FOR REGULATORY CHANGE AUTOMATION BY WOLTER KLUWER Today’s ever-evolving and increasingly complex regulatory landscape has made automating regulatory change management (RCM) more critical than ever. Community financial institutions that rely on manual processes to navigate this ecosystem face enormous challenges while exposing themselves to significant risks. Although web searches and spreadsheets may seem like an economical alternative, the process leaves organizations vulnerable to serious — and potentially costly — ramifications. To increase efficiency and productivity, manage complexity, and reduce overall compliance risk, it is imperative for financial institutions to allocate funding for RCM automation. Doing so can help your organization avoid fees, fines and penalties associated with compliance failures resulting from manual process errors while delivering numerous organizational advantages. Not sure how to persuade your financial institution’s board members and decision-makers that automation is necessary? Consider this three-prong approach: 1. Quantify the Problems with Manual Processes Documenting the time and resources your company spends on manual RCM is just as crucial as highlighting the numerous drawbacks inherent in these processes. For example, not knowing who modified a record or why, or even worse, not knowing what to do when the person who created and managed the spreadsheet leaves the department, leaving others unable to understand the formulas they created. This puts the organization at considerable risk and exposure when only one or a few people hold the knowledge via manual processes. Consider how these common problems with manual processes impact your organization: 18 In Touch
2. Highlight the Benefits of Automation RCM automation has the potential to yield significant paybacks for your organization, and presenting the advantages can be instrumental in building a solid case for investment. Automating RCM helps foster a stronger, more competitive financial institution by maturing your compliance program, enhancing efficiency, reducing compliance costs and risks, and empowering your staff to focus on other business growth initiatives. The optimal solution will: 3. Partner with Key Stakeholders The best way to achieve buy-in for implementing RCM automation is to gain support from leaders in other areas of your organization, such as senior management, legal, operations and IT. You can also build a compelling case by demonstrating the return on investment (ROI) afforded by an automation solution, as well as helping stakeholders recognize how RCM automation will benefit their work. Even more, decision-makers need to understand that while their overwhelmed compliance department struggles to manually manage the tsunami of information and regulatory changes, without an automated solution, other areas of the financial institution may not be aware of or implement new business requirements. Need More Help Making Your Case For Automation? The experts at Wolters Kluwer will help you zero in on the key regulatory insights for your financial institution as well as provide information about our AI-powered OneSumX® Reg Manager. This cutting-edge SaaS-based automation solution leverages advanced technology to monitor, structure and connect your regulatory changes, streamlining your compliance processes and enhancing efficiency. Wolters Kluwer is a global leader in information, software solutions and services for professionals in healthcare; tax and accounting; financial and corporate compliance; legal and regulatory; corporate performance and ESG. We help our customers make critical decisions every day by providing expert solutions that combine deep domain knowledge with technology and services. The group serves customers in over 180 countries, maintains operations in over 40 countries, and employs approximately 21,400 people worldwide. The company is headquartered in Alphen aan den Rijn, Netherlands. 19 In Touch
THE SECTION 1033 FINAL RULE Providing Community Banks With the Perfect Innovation Opportunity BY BRADLEY WALLACE, DIRECTOR OF COMPLIANCE, CSI After more than a year of debate and uncertainty, the Notice of Final Ruling on section 1033 is finally here. The vast majority of community banks — with the exception of those with fewer than $850 million in assets — now face a compliance timeline of about two to five years, depending on asset size. However, this new open banking regulatory landscape is about more than compliance. It’s about embracing innovation and the opportunities it creates for community banks to better understand their account holders — and to acquire and retain them. With the Final Rule in place, community banks can now take the steps to prepare for and capitalize on the opportunity 1033 presents when the compliance deadline arrives. The following are a few things community banks should focus on between now and then. Updating Vendor Due Diligence and Gaining Alignment With Service Providers How community banks assess and model risk will need to change, especially when integrating third parties like fintechs and core providers. The growth of open banking over the last decade has created a complex web of partners, technologies and data flows. A lack of control until now can increase the risk that comes with data living with multiple entities, each with its own set of standards and processes. Compliance teams should start an open dialogue with their vendors to assess their current data standards, how they update their policies as a result of the Final Rule, and how they manage user controls and permissions. Start the Discussion About Customer Education and Awareness Community banks have a fundamental advantage over their national competitors: They understand their local markets and provide a more intimate banking relationship with their customers. Lean into that advantage. Take the time now to determine how you can effectively communicate the impact 1033 will have on them. How will you engage with every account holder every year to reauthorize data-sharing permissions? How do you reach the digital-savvy millennial versus the 85-year-old retiree who still writes checks and prefers mailed statements? Create that policy now so that, when the deadline comes, it’s embedded in every process, employee and department. Embrace Innovation Community banks have several years to meet the 1033 compliance deadline. Use that time to gain even greater insight into what your account holders want. That starts with reducing friction within existing products and workflows, such as digital banking, account opening and lending applications. But what else do your account holders want and need? Hold focus groups, distribute a survey to critical customer segments, and conduct one-to-one outreach to loyal customers and those at risk of leaving. Build a policy for tellers and in-branch representatives to ask branch visitors what else they’d like to see from your bank. Leverage existing customer data to yield insights about individual behavior and trends at scale. Collect those inputs, analyze them, then assess how you can adjust your offerings and implement new ones across your most important lines of business and find the next solution that gives customers what they want and perhaps something they didn’t even know they wanted. That way, when the time comes, not only has your community bank deepened its existing relationships and minimized the risk of losing customers — it will be fully prepared to welcome new ones with open arms and a full suite of solutions that satisfy both their expectations and their needs. Bradley Wallace is the director of compliance at CSI, where he works directly with community banks of all asset sizes to understand and meet evolving regulatory and compliance requirements as they innovate and grow. 20 In Touch
SPACE AVAILABLE Advertise in this magazine and reach your customers anywhere in the cosmos. CONTACT US TO GET STARTED! (801) 676-9722 • (855) 747-4003 sales@thenewslinkgroup.com QR Code: website /ad-space Mortgage Investment Services Corporation • 22316 Midland Drive Shawnee, KS • 66226 • 913-390-1010 NMLS# 194708 • A Kansas licensed mortgage company #MC 0001182 Missouri Residential Mortgage Loan Broker License #10-1912 Oklahoma Mortgage Broker #MB001953 • Colorado License #100044344 Nebraska Licensed Mortgage Company NMLS#194708 Arkansas License #124530 YEARS 25 Let’s Talk Fair Lending! Partnering with Mortgage Investment Services Corporation (MISC) means equal access to credit for housing to all within your community. Here’s why collaborating with us sets you apart: • Fair Lending Protocols, Regulatory Compliance • Tailored Solutions for Diverse Clientele • Government financing options: FHA, VA, & USDA-RD • Rebuilding your community with renovation lending • Expand your customer reach Join forces with MISC to provide every member of your community with the opportunity for homeownership. We get it right the first time! Andrew Holtgraves, Senior Vice President • Cell: 913-558-2555 Email: Andrew@MISCHomeLoans.com • NMLS: #276932 Associate Member 21 In Touch
Congratulations to the banks celebrating March and April anniversaries as chartered institutions! ANNIVERSARIES March 143 years Farmers & Drovers Bank — Council Grove 133 years State Bank of Downs — Downs 124 years ESB Financial — Emporia 119 years Dream First Bank — Syracuse 118 years Farmers State Bank — Oakley 112 years Kaw Valley State Bank & Trust Co. — Wamego 112 years Swedish-American State Bank — Courtland 27 years The Farmers & Merchants Bank of Colby — Colby April 142 years FNB Washington — Washington 141 years Central National Bank — Junction City 131 years TriCentury Bank — De Soto 128 years First Security Bank — Overbrook 127 years Farmers State Bank — Westmoreland 122 years Farmers State Bank — Wathena 120 years Solomon State Bank — Solomon 116 years Silver Lake Bank — Topeka 116 years Southwind Bank — Natoma 104 years First National Bank — Frankfort 45 years The Bank of Protection — Protection 22 In Touch
PRODUCTS AND SERVICES REFERENCE LIST 2024‑2025 CBA OFFICERS AND DIRECTORS Joe Rottinghaus Chairman Conway Bank Tanner Johnson Chairman‑Elect Swedish‑American Bank Tom Pruitt Secretary/Treasurer Peoples Bank & Trust Company Irv Mitchell Immediate Past Chairman Wilson State Bank DIRECTORS Jeff Caudle Union State Bank Kent Culbertson First National Bank and Trust Matt Engel Farmers State Bank Cheri Fahrbach First National Bank of Hutchinson Chris Floyd Dream First Bank Brandon Lee Union State Bank Margaret Nightengale Grant County Bank Steven Suellentrop Legacy Bank Michele C. (Mickey) Lundy Past Chairman Tampa State Bank STATE ICBA DIRECTOR Blake Heid First Option Bank CBA STAFF Shawn Mitchell President and CEO shawn@cbak.com Nikki Dohrman Senior Vice President/ Executive Director nikki@cbak.com Yvonna Hansen Vice President of Member Services yvonna@cbak.com Stuart Little Little Government Relations LLC OFFICERS AND DIRECTORS The following CBA Associate Members are ready to serve you when you need them. Please keep this list handy, and the next time you’re looking for a specific service, you’ll know where to look first! Remember, this is just a sampling of what each company provides. The “*” represents an agreement for a specific endorsed product with that company. Not all products that these companies offer are endorsed by CBA. To see a detailed list and explanation of endorsements, visit CBA at www.cbak.com. Keep in mind that the services listed by each company on this page may only be a sampling of the many services they offer. By their CBA Associate Membership, these companies have shown their commitment to serving community banks. Please look to these companies first, whenever possible, to meet your banking needs. ABSTRACTING Security 1st Title Wichita, KS . . . . . . . . . . ...........(316) 267‑8371 ACCOUNTING/TAX RETURNS Allen, Gibbs & Houlik LC Wichita, KS . . . . . . . . . . ........... (316) 267‑7231 Varney & Associates, CPAs LLC Manhattan, KS . . . . . . . . ......... (785) 537‑2202 ACH *SHAZAM Johnston, IA . . . . . . . . . . .......... (515) 288‑2828 ADVERTISING SPECIALTIES *SJC Marketing Susan: St. Joseph, MO . . . . . ...... (816) 396‑8575 *Works24 Brian: Edmond, OK . . . . . ....... (800) 460‑4653 ALARMS & SECURITY PRODUCTS Federal Protection Springfield, MO . . . . . . . ....... (800) 299‑5400 Oppliger Banking Systems Inc. Lenexa, KS . . . . . . . . . . . . . . . . . . . ..(800) 487‑7875 ARTIFICIAL INTELLIGENCE *Agent IQ Drew: Austin, TX . . . . . . . ....... (830) 708‑9370 ASSET LIABILITY MANAGEMENT *Financial Management Services Inc. (FMSI) Chuck: Overland Park, KS (913) 955‑3355 See ad pg. 9 *QwickRate Dan: Marietta, GA . . . . . . .......(800) 285‑8626 ATM EQUIPMENT (NEW/USED) Federal Protection Springfield, MO. . . . . . . . ....... (800) 299‑5400 Oppliger Banking Systems Inc. Lenexa, KS . . . . . . . . . . . . . . . . . . . . (800) 487‑7875 AUCTION Purple Wave Manhattan, KS . . . . . . . . ......... (785) 537‑7653 BACK ROOM SERVICE Modern Banking Systems Ralston, NE . . . . . . . . . .......... (800) 592‑7500 BALANCE SHEET CONSULTING *Financial Management Services Inc. (FMSI) Chuck: Overland Park, KS (913) 955‑3355 See ad pg. 9 BANK OPERATIONS The Baker Group Oklahoma City, OK . . . . . . ....... (800) 937‑2257 *QwickRate Dan: Marietta, GA . . . . . . .......(800) 285‑8626 BANK/PEER PERFORMANCE *QwickRate Dan: Marietta, GA . . . . . . .......(800) 285‑8626 BANKRUPTCY Spencer Fane LLP Overland Park, KS . . . . . . .......(800) 526‑6529 BANK STOCK LOANS & LOAN OVERLINES Commerce Bank Kansas City, MO . . . . . . . ........ (800) 821‑2182 *S&P Global Stacy: Charlottesville, VA . . . . ..... (434) 951‑4419 BOND ACCOUNTING First Bankers Banc Securities Overland Park, KS . . . . . . ....... (913) 469‑5400 *ICBA Securities Corporation Jim: Memphis, TN . . . . . . . .......(800) 422‑6442 COMPLIANCE ASSISTANCE/REVIEWS *Advanced Business Solutions (ABS) Sandy: Olathe, KS . . . . . . . . . . . . . . .(913) 340‑7041 Allen, Gibbs & Houlik LC Wichita, KS . . . . . . . . . . ........... (316) 267‑7231 *BHG Bank Group Tom: Syracuse, NY . . . . . . . ........ (315) 372‑4510 *MPA Systems David: Fort Worth, TX . . . . . .....(888) 233‑1584 23 In Touch
Purple Wave Manhattan, KS . . . . . . . . ......... (785) 313‑2094 Varney & Associates, CPAs LLC Manhattan, KS . . . . . . . . ......... (785) 537‑2202 Young & Associates Inc. Kent, OH . . . . . . . . . . ........... (800) 525‑9775 CONSULTING *Bank Compensation Consulting (BCC) Rich: Plano, TX | (303) 482‑1844 See ad pg. 9 *CRA Partners | SHCP Foundation Kristine . . . . . . . . . . . ............. (914) 656‑8643 Young & Associates Inc. Kent, OH . . . . . . . . . . ........... (800) 525‑9775 CORRESPONDENT SERVICES Commerce Bank Kansas City, MO . . . . . . . ........ (800) 821‑2182 First National Bank of Hutchinson Hutchinson, KS | (800) 293‑0683 See ad pg. 17 The Bankers Bank Oklahoma City, OK . . . . . . ......(800) 522-9220 CORE SERVICES Data Center Inc. (DCI) Hutchinson, KS | (620) 694‑6800 See ad pg. 27 Modern Banking Systems Ralston, NE . . . . . . . . . .......... (800) 592‑7500 *SHAZAM Bill M. Johnston: IA . . . . . . . .......(515) 306‑8012 CRA/COMPLIANCE *CRA Partners | SHCP Foundation Kristine . . . . . . . . . . . ............. (914) 656‑8643 CREDIT AND PORTFOLIO RISK MANAGEMENT Young & Associates Inc. Kent, OH . . . . . . . . . . ........... (800) 525‑9775 CREDIT CARD PROGRAM *ICBA Payments Heather: Washington, D.C. . . . ...(800) 242‑4770 CREDIT SUPPORT *Advanced Business Solutions (ABS) Sandy: Olathe, KS . . . . . . . . . . . . . . .(913) 340‑7041 DATA ANALYTICS KlariVis Roanoke, VA . . . . . . . . . .......... (540) 357‑0011 *QwickRate Dan: Marietta, GA . . . . . . .......(800) 285‑8626 DATA PROCESSING Data Center Inc. (DCI) Hutchinson, KS | (620) 694‑6800 See ad pg. 27 Modern Banking Systems Ralston, NE . . . . . . . . . .......... (800) 592‑7500 DEBIT/ATM CARD SERVICES *ICBA Payments Heather: Washington, D.C. . . . ...(800) 242‑4770 *SHAZAM Matt M. Johnston: IA . . . . . . ...... (515) 480‑5767 DIGITAL LENDING *BHG Bank Group Tom: Syracuse, NY . . . . . . . ........ (315) 372‑4510 DIGITAL RELATIONSHIP BANKING *Agent IQ Drew: Austin, TX . . . . . . . ....... (830) 708‑9370 DIRECTORS AND OFFICERS INS. *Travelers Danielle: St. Louis, MO . . . . ..... (800) 255‑5072 *UNICO Group Inc. Diana: Lenexa, KS | (800) 755‑0048 See ad pg. 28 DIRECTORS EXAMS Allen, Gibbs & Houlik LC Wichita, KS . . . . . . . . . . ........... (316) 267‑7231 Varney & Associates, CPAs LLC Manhattan, KS . . . . . . . . ......... (785) 537‑2202 DISASTER RECOVERY FACILITY PROGRAM *MPA Systems David: Fort Worth, TX . . . . . .....(888) 233‑1584 DOCUMENT MANAGEMENT *Trust Exchange Leo: Austin, TX . . . . . . . . ......... (888) 777‑8434 EDUCATION *CRA Partners | SHCP Foundation Kristine . . . . . . . . . . . ............. (914) 656‑8643 EMERGENCY FACILITIES/MODULAR BANK BUILDINGS FOR LEASE *MPA Systems David: Fort Worth, TX . . . . . .....(888) 233‑1584 EMPLOYEE AND EXEC. BENEFITS *Bank Compensation Consulting (BCC) Rich: Plano, TX | (303) 482‑1844 See ad pg. 9 Woner, Reeder & Girard P.A. Topeka, KS . . . . . . . . . . ........... (785) 235‑5330 ESCROWS Security 1st Title Wichita, KS . . . . . . . . . . ...........(316) 267‑8371 FINANCIAL INST. BOND *Travelers Danielle: St. Louis, MO . . . . ..... (800) 255‑5072 *UNICO Group Inc. Diana: Lenexa, KS | (800) 755‑0048 See ad pg. 28 HUMAN RESOURCES *UNICO Group Inc. Diana: Lenexa, KS | (800) 755‑0048 See ad pg. 28 INFORMATION TECHNOLOGY Integris Olathe, KS . . . . . . . . . . ........... (325) 947‑5550 Kansas Bankers Technologies Salina, KS . . . . . . . . . . ............ (888) 752‑8435 KlariVis Roanoke, VA . . . . . . . . . .......... (540) 357-0011 RESULTS Technology Overland Park, KS . . . . . . . .......(877) 435‑8877 Varney & Associates, CPAs LLC Manhattan, KS . . . . . . . . ......... (785) 537‑2202 INSURANCE — BANK *Bank Compensation Consulting (BCC) Rich: Plano, TX | (303) 482‑1844 See ad pg. 9 *Travelers Danielle: St. Louis, MO . . . . ..... (800) 255‑5072 *UNICO Group Inc. Diana: Lenexa, KS | (800) 755‑0048 See ad pg. 28 INTEREST RATE RISK SERVICE *Financial Management Services Inc. (FMSI) Chuck: Overland Park, KS (913) 955‑3355 See ad pg. 9 *ICBA Securities Corporation Jim: Memphis, TN . . . . . . . .......(800) 422‑6442 INTERNAL AUDIT *Advanced Business Solutions (ABS) Sandy: Olathe, KS . . . . . . . . . . . . . . .(913) 340‑7041 24 In Touch
INTERNET BANKING Data Center Inc. (DCI) Hutchinson, KS | (620) 694‑6800 See ad pg. 27 *ICBA Payments Heather: Washington, D.C. . . . ...(800) 242‑4770 KlariVis Roanoke, VA . . . . . . . . . .......... (540) 357-0011 INTERNET WORLD WIDE W.E.B. Oppliger Banking Systems Inc. Lenexa, KS . . . . . . . . . . . . . . . . . . . . (800) 487‑7875 INVESTMENTS Central States Capital Markets Kansas City, MO . . . . . . . ....... (800) 851‑6459 Commerce Bank Kansas City, MO . . . . . . . ........ (800) 821‑2182 *Financial Management Services Inc. (FMSI) Chuck: Overland Park, KS (913) 955‑3355 See ad pg. 9 First Bankers Banc Securities Overland Park, KS . . . . . . ....... (913) 469‑5400 *ICBA Securities Corporation Jim: Memphis, TN . . . . . . . .......(800) 422‑6442 IT SECURITY Integris Olathe, KS . . . . . . . . . . .......... .(325) 947‑5550 Kansas Bankers Technologies Salina, KS . . . . . . . . . . ............ (888) 752‑8435 *RESULTS Technology Darla: Overland Park, KS . . . . ....(877) 435‑8877 LEGAL SERVICES Spencer Fane LLP Overland Park, KS . . . . . . .......(800) 526‑6529 Woner, Reeder & Girard P.A. Topeka, KS . . . . . . . . . . ...........(785) 235‑5333 LENDING *BHG Bank Group Tom: Syracuse, NY . . . . . . . ........ (315) 372‑4510 LOAN COLLECTIONS AND WORKOUTS Spencer Fane LLP Overland Park, KS . . . . . . .......(800) 526‑6529 Woner, Reeder & Girard P.A. Topeka, KS . . . . . . . . . . ........... (785) 235‑5330 LONG RANGE PLANNING The Capital Corporation LLC Overland Park, KS . . . . . . . ........ (913) 498‑8188 Varney & Associates, CPAs LLC Manhattan, KS . . . . . . . . ......... (785) 537‑2202 MARKETING Harland Clarke Newton, KS . . . . . . . . . .......... (800) 322‑0818 *SHAZAM Johnston, IA . . . . . . . . . . .......... (515) 288‑2828 *SJC Marketing Susan: St. Joseph, MO . . . . . ...... (816) 396‑8575 *Works24 Brian: Edmond, OK . . . . . ....... (800) 460‑4653 MERCHANT PROCESSING *SHAZAM Johnston, IA . . . . . . . . . . .......... (515) 288‑2828 MERGERS/ACQUISITIONS The Capital Corporation LLC Overland Park, KS . . . . . . . ........ (913) 498‑8188 Olsen Palmer Kansas City, MO . . . . . . . ........ (816) 379‑4029 Spencer Fane LLP Overland Park, KS . . . . . . .......(800) 526‑6529 MOBIL CUSTOMER ENGAGEMENT *Agent IQ Drew: Austin, TX . . . . . . . ....... (830) 708‑9370 NETWORK SECURITY Kansas Bankers Technologies Salina, KS . . . . . . . . . . ............ (888) 752‑8435 PAYMENTS *ICBA Payments Heather: Washington, D.C. . . . ...(800) 242‑4770 PORTFOLIO MANAGEMENT Central States Capital Markets Kansas City, MO . . . . . . . ....... (800) 851‑6459 *Financial Management Services Inc. (FMSI) Chuck: Overland Park, KS (913) 955‑3355 See ad pg. 9 PROMOTIONAL PRODUCTS Harland Clarke Newton, KS . . . . . . . . . .......... (800) 322‑0818 RETIREMENT PLANNING Central States Capital Markets Kansas City, MO . . . . . . . ....... (800) 851‑6459 First Bankers Banc Securities Overland Park, KS . . . . . . ....... (913) 469‑5400 SECONDARY MORTGAGE MARKET LENDING FHLBank Topeka Topeka, KS . . . . . . . . . . .......... (800) 933‑2988 Mortgage Investment Services Shawnee, KS . . . . . . . . . .......... (913) 390‑1010 SECURITY MONITORING Federal Protection Springfield, MO . . . . . . . ....... (800) 299‑5400 SUPPLEMENTAL HEALTH INSURANCE *UNICO Group Inc. Diana: Lenexa, KS | (800) 755‑0048 See ad pg. 28 TECHNOLOGY SERVICES Integris Olathe, KS . . . . . . . . . . ........... (325) 947‑5530 Kansas Bankers Technologies Salina, KS . . . . . . . . . . ............ (888) 752‑8435 KlariVis Roanoke, VA . . . . . . . . . .......... (540) 357-0011 *RESULTS Technology Darla: Overland Park, KS . . . . ....(877) 435‑8877 *QwickRate Dan: Marietta, GA . . . . . . .......(800) 285‑8626 *S&P Global Stacy: Charlottesville, VA . . . . ..... (434) 951‑4419 TELECOMMUNICATIONS CONSULTING Verge Network Solutions Inc. Oklahoma City, OK . . . . . ....... (405) 782‑8400 TELECOMMUNICATIONS SERVICES Verge Network Solutions Inc. Oklahoma City, OK . . . . . ....... (405) 782‑8400 TELECOMMUNICATIONS SYSTEMS Verge Network Solutions Inc. Oklahoma City, OK . . . . . ....... (405) 782‑8400 THIRD PARTY COMPLIANCE MANAGEMENT *Trust Exchange Leo: Austin, TX . . . . . . . . ......... (888) 777‑8434 THIRD PARTY RISK MANAGEMENT & CONSULTING *Trust Exchange Leo: Austin, TX . . . . . . . . ......... (888) 777‑8434 TITLE INSURANCE Security 1st Title Wichita, KS . . . . . . . . . . ...........(316) 267‑8371 WEBSITE DEVELOPMENT *S&P Global Stacy: Charlottesville, VA . . . . ..... (434) 951‑4419 WHOLESALE LENDING FHLBank Topeka Topeka, KS . . . . . . . . . . .......... (800) 933‑2988 Mortgage Investment Services Shawnee, KS . . . . . . . . . .......... (913) 390‑1010 Last Update: Sept. 10, 2024 Visit CBA online at www.cbak.com. 25 In Touch
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