2026 Pub. 7 Issue 3

As fast as the fraud landscape evolves, so, too, do the solutions to stop it in its tracks. Another ThinkTECH Accelerator graduate, Overwatch Data, offers dark web monitoring to alert community banks to compromised card and check numbers, helping to prevent fraud campaigns, data breaches and cyberattacks before they affect customers or staff. And because so much of what takes place today is on cell phones, we can use tools that identify behavior that seems out of sync with normal activities. ICBA Support I share these solutions with you not to push certain products, but to raise awareness of the growing number of resources available to your bank. As fast as the fraud landscape evolves, so, too, do the solutions to stop it in its tracks. ICBA Innovation is here to support your fraud mitigation efforts. In every cycle, the ThinkTECH Accelerator selection and advisory committee seeks out the latest technologies that support fraud prevention and mitigation, because fraud is a constant consideration for all bankers. We encourage you to engage with us as we launch future cohorts. Join other bankers at the Accelerator to hear from the companies that will be part of the next generation of fraud solutions. While we can’t eliminate fraud completely, we can minimize its impact. And with new technologies at our disposal, we’re poised to be stronger than ever. Wayne Miller is executive vice president and chief innovation officer at the Independent Community Bankers of America. 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

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