Pub. 3 2024 Issue 1

CONTENTS 04 Support the ICBC’s Associate Members! 06 Stronger Together By Michael Van Norstrand, Executive Director, ICBC 08 Congratulations ICBC! 2023 MarCom Awards Winner 09 FLOURISH Continuing the Climb for Our Communities By Rebeca Romero Rainey, President and CEO, ICBA 10 FROM THE TOP Why Instant Payments Need To Be a 2024 Priority By Derek Williams, ICBA Chairman, President and CEO of Century Bank & Trust 11 Welcome Blendification and Kristopher James Company ICBC’s Newest Associate Members 12 Give Credit Where It’s Due Secondary Market for Whole Loans is Deep and Active By Jim Reber, President and CEO, ICBA Securities, ICBC Preferred Provider and ICBC Associate Member 14 What Are Bankers’ Top 8 Factors in Deciding the Best Core Banking System? By Jason Young, Senior Director of Enterprise Banking, CSI, ICBC Associate Member 16 3 Stages to Unlock a People-First Work Culture By Katie Barnes, Chief People Officer, BHG Financial, ICBC Preferred Provider and ICBC Associate Member 18 Protect Your ATMs From Top Hat Attacks By Mike Burke, Senior Robbery and Crisis Management Consultant, SHAZAM, ICBC Associate Member 19 ICBC Preferred Providers 20 ICBC’s 24-ATM Surcharge-Free Network! 22 From Vision to Velocity The Making of the FedNow Service By Matt Helsing, SVP & Northwest Regional Manager, PCBB, ICBC Associate Member 24 Cutting Costs Through Modernization Fix These Gaps in Your Deposits Strategy By Jason Schwablin, Chief Strategy Officer, Alogent, ICBC Associate Member 26 Independent Community Bankers of Colorado High School Scholarship 27 2024 Conference Calendar 28 Software’s Next Frontier (AI) and How It Blends with Community Banks Generative AI’s Impact on Changing the Role of Software in Your Bank By Dan Bruder, CEO, Co-founder at Blendification, Instructor of Strategy and Entrepreneurship at CU, Boulder, ICBC Associate Member 30 Burnout! Keeping Your Best Employees By Connie West, Gallup Certified Strengths Coach, Regional Vice President, The James Paul Group, ICBC Associate Member 31 Independent Community Bankers of Colorado Endorses BHG Financial, a Top Source for High-Quality Loans 31 ICBC Tour de Colorado 12 16 24 CONNECT Like us on Facebook ICBColo Connect with us ICBColo Follow us on X ICBColo Give us a call 303.832.2000 Follow us on Instagram ICBColo INDEPENDENT REPORT | 3

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