Pub. 2 2023 Issue 3a

Bank On Women Summit	2
Support the ICBC’s Associate Members!	6
Flourish	8
From the Top	10
Santander US CEO Talks Business Strategy, Industry Challenges	12
Check Volumes Are Down, But Check Fraud Is Up, What’s It Costing Your Bank?	16
Is Your Bank Ready To Accelerate Payments With the FedNow Service?	18
Thank You to Our Convention Sponsors	20
Convention Exhibitors	21
The Value of Customer Profitability Modeling	22
ICBC Preferred Providers	25
Securing Your Data: Advice From an Award‑Winning Cybersecurity Team	26
Barbell Structure May Be the Right Regimen	28
ICBC’s 24-ATM Surcharge-Free Network!	32
Using IT Governance To Achieve Your Bank’s Business Goals	33

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