5 WISHING YOU HAPPY HOLIDAYS 6 FLOURISH RISING CONCERNS OVER NATIONAL BANK TRUST CHARTERS By Rebeca Romero Rainey, President and CEO, ICBA 8 MAKING A LIST, CHECKING IT TWICE Year-End Is Approaching. Here Are Some Seasonal Reminders. By Jim Reber, CPA, CFA, President and CEO, ICBA Securities 10 AI-DRIVEN ELDER FRAUD Deepfakes: The Newest Threat By Terri Luttrell, CAMS-Audit, CFCS, Compliance and Engagement Director, Abrigo 12 YOUR BOARD’S CYBERSECURITY OVERSIGHT PROBABLY ISN’T GOOD ENOUGH By Steve Sanders, Chief Risk Officer and Chief Information Security Officer, CSI 14 THE FUTURE OF AI IN BANKING Exploring Opportunities and Overcoming Challenges By Patrick Murphy, President, RESULTS Technology 17 EMBRACING INNOVATION Banking Digital Assets Beyond GENIUS By Kirstin D. Kanski and Alex R. Schoephoerster, Spencer Fane LLP 20 CHOOSING THE RIGHT RETIREMENT PLAN FOR YOUR SMALL BUSINESS SEP, SIMPLE, or Individual (k)? By Jodie Norquist, CIP, CHSP, Ascensus 22 ANNOUNCEMENTS 22 ANNIVERSARIES 23 OFFICERS AND DIRECTORS 23 PRODUCTS AND SERVICES REFERENCE LIST 27 UNDERSTANDING BANKERS’ BANKS AND THEIR IMPORTANCE 30 BANK WEBINARS Live & On-Demand CONTENTS ISSUE 6 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. 14 THE FUTURE OF AI IN BANKING 20 CHOOSING THE RIGHT RETIREMENT PLAN FOR YOUR SMALL BUSINESS 10 AI-DRIVEN ELDER FRAUD 4
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