TABLE of CONTENTS 4 The Bottom Line By Howard Headlee, President and CEO, Utah Bankers Association WASHINGTON UPDATE 5 Celebrating a Legacy of Collaboration By Rob Nichols, President and CEO, American Bankers Association 6 Banker Day at the Utah State Legislature By Brian Comstock, Director of Communications & Marketing, Utah Bankers Association 8 The Onus of “On-Us” Checks By Theodore Kelly, JD, MBA, CCEP, Associate General Counsel, Compliance Alliance 10 2025 Ag Outlook & Conference Report By Brian Comstock, Director of Communications & Marketing, Utah Bankers Association 12 Compliance Updates Banking HR Leaders Need to Know By Rachel Barr, SHRM-SCP, Director of HR Services, isolved 14 Next-Gen Fraud Prevention Conference 16 The Sneaky Foe in Cybersecurity By James Fair, Senior Security Architect, Executech 18 Bank Kudos 21 Eric Schmutz Retires as President and CEO of State Bank of Southern Utah 22 Bankers on the Move 24 Welcome to Our New Associate Members! 25 UBA Associate Members Utah Banker 3
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