2025 ICBC Pub. 4 Issue 3

18 CONTENTS 10 14 CONNECT Email us mlewis@icbcolo.org Like us on Facebook ICBColo Connect with us ICBColo Follow us on X ICBColo Give us a call (303) 832-2000 Follow us on Instagram ICBColo 2025 PUB. 4 ISSUE 3 4 Support the ICBC’s Associate Members! 6 ICBC Preferred Providers FLOURISH 7 Let’s Come Together To Address Fraud By Rebeca Romero Rainey, President and CEO, ICBA FROM THE TOP 8 The Key to Driving Down Fraud Risk By Jack E. Hopkins, Chairman, ICBA 10 Unlocking Your Potential High-Performance Coaching and the 6 Pillars of Success By Connie West, Certified High‑Performance Coach, Gallup Certified Strengths Coach, Regional Vice President, The James Paul Group, ICBC Associate Member 12 Is It Time to Realign Your Legacy Consumer Liquidity Strategy? Yes — Now More Than Ever By Tim Barrett, Executive DDA Strategies, CSI, ICBC Associate Member 14 Vigilante Justice? Financial Markets React Quickly to Policy Changes By Jim Reber, President and CEO, ICBA Securities, ICBC Associate Member and Preferred Provider 16 ACT Deposit Program Can Help Improve Your Bank’s CRA Rating A Simple Solution for Improving Your Bank’s CRA Rating By Diane Ellis, Senior Managing Director, IntraFi SAVE THE DATE! 17 52nd Annual Convention 18 Deposit Strategies To Deepen Commercial Relationships By Matt Helsing, SVP and Northwest Regional Manager, PCBB, ICBC Associate Member 20 Strengthening Internal Controls in Community Banks By Plante Moran, ICBC Associate Member 22 Red Team Testing Simulating Real-World Attacks to Strengthen Security By Will Keller, Network Security Engineer, SBS CyberSecurity, ICBC Associate Member and ICBC Preferred Provider 24 Powering Up Your Debit Card Program Profitability By Matt Morrow, Regional Director of Sales — EFT, SHAZAM, ICBC Associate Member 26 Why Marketing Is More Important Than Ever in an Uncertain Economy By Jennie Brady, Director of Creative Solutions, Spry Inc., ICBC Associate Member 28 A Layered Approach to ATM Security By Levi Daily, CTO, Cook Solutions Group, ICBC Associate Member 30 Fighting Check Fraud on Day Zero By Ashish Bhatia, VP Product Management, Alogent, ICBC Associate Member 31 ICBA Community Network INDEPENDENT REPORT | 3

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