2024 Vol. 108 No. 5

Vantage Viewpoint	6
Chairman’s Report	7
2024 IBA Education Calendar	8
Leaders in Banking Excellence: Class of 2024	10
Beyond a Buzzword: A Look Into the World of Digital Transformation in Banking	16
Faster Payments, Faster Fraud? Not So Fast!	18
Indiana Fair Lending Regulations	20
Taking It Easy	21
Regional Meetings: New Look, Same Mission	22
Creating Connection Through Leadership	24
Remaining Nimble Against a Litany of Regulation	28
The “Other” CRA: A Lesser-Known Tool in the Policy Toolbox	30
Mollie Fry: Director of Wellbeing & Total Rewards - First Financial Bank, Cincinnati	32
Bankers on the Move	34
Banking on Community	38
In Memory Of ...	39
Common FLSA Mistakes and Misconceptions About Overtime Pay	41
Lake City Bank Welcomes Summer Intern Class of 2024	43
State Deposits in Indiana Financial Institutions	44
Interest Rate Risk in 2024: Model Assumptions in a Falling Rate Environment	46
How CFPB’s Rule 1033 Could Affect Data Rights and Open Banking	48
Honorable Mentions	50
Branch Closings: Requirements and Nuances	53
Interest Rate Risk and Liquidity Risk: Are Your ALCO and Board Ready for the Next Exam or Falling	56
IBA ‘High Five’ Awards	57
Banking Center News	59
Associate Members’ Corner	60
16 Complete IBA Commercial Lending School	62
Anniversary Milestones	62
From the Board Room	63
Advertiser Index	63

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