2024 Vol. 108 No. 3

Features 6 Vantage Viewpoint By Amber R. Van Til, Indiana Bankers Association 7 Chairman’s Report By Benjamin J. Bochnowski, Indiana Bankers Association 8 Indiana Bankers Association Member Benefits Report 2023 11 2024 IBA Education Calendar July-October COVER STORY 12 Lucas White Indiana Banker Takes the Helm of ICBA 22 Putting the Person in Personalized Marketing By Rebeca Romero Rainey, Independent Community Bankers of America 24 The Real Losers in the Reg II Fight By Robert S. Nichols, American Bankers Association Articles FLD FOCUS 18 FLD Day At the Statehouse By Josh Myers, Indiana Bankers Association GR SUMMIT 20 2024 Legislative Session Summary By Dax Denton & Ross Teare, Indiana Bankers Association SECURITY & FRAUD 32 Fraud Prevention What Responsibility Does Your Bank Have to Customers? By Jim Rechel, The Rechel Group Inc. DIRECTORS & SENIOR MANAGEMENT 36 It’s Time to Enhance Your Contingency Funding Plan By Dale Sheller, The Baker Group 52 How Examiners are Assessing Your Risk Strategies in 2024 By Milton Bartley, ImageQuest LLC LENDING & CREDIT 39 Hold On! Bank Loan Quality Doesn’t Align with Wall Street Metrics By David Ruffin, IntelliCredit PSP SHOWCASE 44 The Power of Integrated Marketing Campaigns in Serving Industry Sectors By Nicole DeRogatis, K4 Marketing + Branding PRODUCT & SERVICES PROFILE 48 Things Change: Use a Company That Keeps Up With That Change By Rod Lasley, Indiana Bankers Association FINANCIAL MANAGEMENT 50 How Financial Advisors Should Be Thinking About Tech in 2024 By Nick Graham, Cambridge Investment Research Inc. COMPLIANCE CONNECTION 56 Counterfeit Checks By Brett J. Ashton, Krieg Devault LLP HUMAN RESOURCES 59 Artificial Intelligence Legal Risks With Use of AI for Employment Purposes By Debra A. Mastrian, Amundsen Davis LLC Departments 6 Don’t Miss Out 26 Bankers on the Move 30 In Memory Of … 35 IBA ‘High Five’ Awards 42 Banking Center News 49 Honorable Mentions 49 From the Board Room 55 Associate Members’ Corner 57 Taking It Easy 57 Advertiser Index 62 Banking on Community 56 59 Cover Photo by Chris A. Williams for ICBA MAY/JUNE 2024 5 INTERACT WITH IBA

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