Pub. 2 2023 Issue 4

2023 Golden Jubilee Convention	2
Support the ICBC’s Associate Members!	6
ICBC Capital Summit	8
Flourish	10
2023 Conference Calendar	12
From the Top	13
Adopting a Holistic FRAML Approach To Fight Financial Crime	14
Back-Office Automation Adapt Today for Tomorrow’s Successes	17
Welcome Alamosa State Bank ICBC’s Newest Member	19
Is It Time to Hedge Interest Rate Risk With a Forward Rate Lock?	20
In Memoriam Leslie “Les” Mergelman	22
ICBC Preferred Providers	22
The Power of Coaching: How Employee Development Benefits the Bank	24
The Myth, Lure and Reality of AI	25
General Counsel Strategies for Community Banks	26
Value Added: High Baseline Yields Accompany Surprisingly Wide Spreads	29
Consumer Bankers Association’s Lindsey Johnson on the Causes and Aftermath of Recent Bank Failures	30
ICBC’s 24-ATM Surcharge-Free Network!	33
SBA 504 Loan Refinance Program An Empowering Tool for Small Businesses Amid Rising Interest Rates and Economic Uncertainty	34

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