EDITORIAL: Nebraska Banker seeks to provide news and information relevant to Nebraska and other news and information of direct interest to members of the Nebraska Bankers Association. Statement of fact and opinion are made on the responsibility of the authors alone and do not represent the opinion or endorsement of the NBA. Articles may be reproduced with written permission only. ADVERTISEMENTS: The publication of advertisements does not necessarily represent endorsement of those products or services by the NBA. The editor reserves the right to refuse any advertisement. SUBSCRIPTION: Subscription to the magazine, which began bimonthly publication in May 2006, is included in membership fees to the NBA. ©2026 The Nebraska Bankers Association (NBA) | MBR Connect™. All rights reserved. Nebraska Banker is published six times per year 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 NBA, 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. Nebraska Banker is a collective work, and as such, some articles are submitted by authors who are independent of NBA. 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 (801) 676-9722. CONTENTS 6 20 6 PRESIDENT’S MESSAGE BUILDING THE BANKING INDUSTRY’S NEXT GENERATION Richard Baier, President and CEO, Nebraska Bankers Association 9 WASHINGTON UPDATE IT’S TIME TO TALK TOKENIZATION Rob Nichols, President and CEO, American Bankers Association 11 THE FORENSICS BEHIND FRAUD INVESTIGATIONS Sheriff Aaron Hanson on Evidence, Prevention and Bank Cooperation Laurie Johnson, Communications & Marketing Coordinator, Nebraska Bankers Association 14 TECH TALK GENAI SECURITY AND PRIVACY: WHAT IT PROS NEED TO KNOW Jon Waldman, President and Co-Founder, SBS CyberSecurity 17 COUNSELOR’S CORNER TAX SALE CERTIFICATES What Nebraska Lenders Need to Know Laura P. Genett, Associate, Baird Holm LLP 20 MODERN CHECK FRAUD AND A FRAMEWORK FOR RECOVERY Which Bank Takes the Loss? David J. Routh, Partner, and Roger D. Sack, Associate, Cline Williams Wright Johnson & Oldfather LLP 24 THE CASE FOR A DEPOSIT RETENTION STRATEGY Profit Resources Inc. 26 HOW AI COULD RESHAPE THE MORTGAGE MARKET Andrea F. Pringle, Senior Vice President, The Baker Group 29 5 WAYS YOUR FRONTLINE STAFF CAN FIGHT FRAUD Haberfeld 32 2026-2027 EDUCATION CALENDAR Cover photo: The NBA has been active in connecting Nebraska bankers with college students interested in banking through Meet the Bankers events at various campuses. 5 NEBRASKA BANKER
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