Contents ©2025 West Virginia Bankers Association (WVBA) | The newsLINK Group LLC. All rights reserved. West Virginia Banker is published four times per year by The newsLINK Group LLC for WVBA 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 WVBA, 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. West Virginia Banker is a collective work, and as such, some articles are submitted by authors who are independent of WVBA. 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 (855) 747-4003. 18 25 PRESIDENT’S MESSAGE 5 West Virginia School of Banking Transformative Education Right Here at Home By Mark Mangano, President & CEO, WVBankers 6 Debanking: Financial Services as a Public Utility? By Drew A. Proudfoot, Partner, and Amy J. Tawney, Partner, Bowles Rice LLP 10 “Don’t Get Fooled Again!” Refinance Borrower Imposter Fraud By Bob Wisman, Business Development Officer, West Virginia Bankers Title LLC 16 Preparing for the FFIEC CAT Phase-Out Exploring New Cybersecurity Assessment Options for Financial Institutions By Bryan Newlin, CPA, CISA, Risk Advisory Services Principal, YHB 18 Navigating the Future Key Trends for CAEs to Watch in 2025 By Prashant Panavalli, Principal, Forvis Mazars 22 Top Challenges and Opportunities for Community Banks in 2025 By Allison Maddock, Senior Vice President and Chief Product Officer, CSI 25 Plan Sponsors’ Five Deadly Sins By John Schafer, Vice President, National Leader, Financial Institutions Channel, Pentegra 4 WEST VIRGINIA BANKER
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