20 CONTENTS 7 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 2026 PUB. 5 ISSUE 2 4 Support the ICBC’s Associate Members! 5 ICBC Preferred Providers FLOURISH 6 Battling Check Fraud Together By Rebeca Romero Rainey, President and CEO, ICBA FROM THE TOP 7 Turning Fraud on its Head By Alice P. Frazier, ICBA Chair, President & CEO, Potomac Bank 8 Vendor Consolidation as a Modernization Strategy Fixing Fragmentation in Financial Institutions By Monica Moore, Chief Technology Officer, Alogent, ICBC Associate Member 10 Building the Foundation for Effective AI Closing the Data Readiness Gap By Ajay John, VP of Data Science & AI, CSI, ICBC Associate Member 13 Congratulations ICBC High School Scholarship Recipients 14 Why Community Bank Managers Need Better Conversations By Connie West, Gallup Certified Strengths Coach, High Performance Coach, Regional Vice President, The James Paul Group, ICBC Associate Member 16 Secure Real-Time Payments With Smarter Controls By Ben LeClaire, Principal, and Matt Babicz, Senior Manager, Plante Moran, ICBC Silver Associate Member 18 The Comeback of Direct Mail How Tangible Marketing Outperforms Email By Bella Ruscheinski, Spry, ICBC Associate Member 20 Culture, Career Purpose and Retention The New Competitive Advantage for Community Banks By Emanuel Wilder, Program Manager, Watson Institute, ICBC Associate Member 22 Driving Community Prosperity with Reciprocal Deposits By Joe Hooker, Chief Sales Officer, IntraFi, ICBC Associate Member SAVE THE DATE 24 53rd Annual Convention 25 B:Side Assist Launches AI-Powered Financial Platform for Small Business Owners By B:Side Capital INDEPENDENT REPORT | 3
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