TABLE of CONTENTS 4 The Bottom Line By Howard Headlee, President and CEO, Utah Bankers Association WASHINGTON UPDATE 5 It’s Time for a Regulatory Reset By Rob Nichols, President and CEO, American Bankers Association 6 UBA Bank Executive Winter Conference Wrap-Up By Brian Comstock, Director of Communications & Marketing, Utah Bankers Association 8 Executive Development Program Class of 2024 10 2024 UBA Fall Compliance Conference Recap By Brian Comstock, Director of Communications & Marketing, Utah Bankers Association 12 Advancing Market‑Based Solutions for Liquidity and Deposit Stability in U.S. Banks By Jason Cave, Strategic Advisor, Regulatory Affairs, R&T Deposit Solutions 14 Emerging Bank Leaders “Igniting Leadership” Conference Recap By Brian Comstock, Director of Communications & Marketing, Utah Bankers Association 17 Strategies to Make Your Debit Program Best-in-Class By Steve Sievert, Executive Vice President of Marketing & Brand Management, PULSE® 20 Bank Kudos 23 Becky Wilkes Retires 24 Bankers on the Move 26 Tapping Into SBA Refinancing Lower Rates, More Opportunities By Jessica Stutz, Lending Director, B:Side Capital 28 Welcome to Our New Endorsed Vendors and Associate Members! 29 UBA Associate Members Utah Banker 3
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