22 2024 MIB EXECUTIVE OFFICERS Loren Brown, President Ascent Bank, Helena lbrown@ascentbank.com Amber Brown, Vice President Peoples Bank of Deer Lodge abrown@pbdl.net Clinton Gerst, Secretary Bank of Bozeman cgerst@bankofbozeman.com Laura Clark, Treasurer Opportunity Bank lclark@oppbank.com Tim Schreiber, Immediate Past President Farmers State Bank tims@farmersebank.com Kenny Martin, ICBA State Director First Montana Bank, Helena kmartin@firstmontanabank.com 2024 MIB BOARD OF DIRECTORS Tom Christnacht First Security Bank of Deer Lodge Bill Coffee Stockman Bank, Miles City Daniel Day Bank of Montana, Missoula Shawn Dutton First Security Bank of Roundup Logan Hensley Valley Bank of Kalispell Brice Kluth First State Bank of Shelby Scott Mizner American Bank, Bozeman Mike Moore Stockmens Bank, Cascade Joel Rosenberg Three Rivers Bank of Montana, Kalispell Andrew West Eagle Bank, Polson Phil Willett Pioneer Federal Savings and Loan, Dillon ASSOCIATE BOARD MEMBER Ryan Fritz Citizens Alliance Bank rfritz@citizensalliancebank.com MIB STAFF Jim Brown, Esq., Executive Director Montana Independent Bankers jbrown@mibonline.org ©2024 Montana Independent Bankers | The newsLINK Group LLC. All rights reserved. Community Banker is published four times each year by The newsLINK Group LLC for the Montana Independent Bankers and is the official publication for this association. The information contained in this publication is intended to provide general information for review, consideration and education. The contents do not constitute legal advice and should not be relied on as such. If you need legal advice or assistance, it is strongly recommended that you contact an attorney as to your circumstances. The statements and opinions expressed in this publication are those of the individual authors and do not necessarily represent the views of the Montana Independent Bankers, its board of directors or the publisher. Likewise, the appearance of advertisements within this publication does not constitute an endorsement or recommendation of any product or service advertised. Community Banker is a collective work, and as such, some articles are submitted by authors who are independent of the Montana Independent Bankers. While Community Banker encourages a first-print policy, in cases where this is not possible, every effort has been made to comply with any known reprint guidelines or restrictions. Content may not be reproduced or reprinted without prior written permission. For further information, please contact the publisher at (855) 747-4003. Montana Independent Bankers 1812 11th Ave. PO Box 4893 Helena, MT 59604 (406) 449-7444 jbrown@mibonline.org mibonline.org 12 4 PRESIDENT’S MESSAGE 4 Thankful for Our Montana Community Bankers By Loren Brown, President, MIB EXECUTIVE DIRECTOR’S MESSAGE 6 Finishing the Year Strong By James E. Brown, Esq., Executive Director, MIB FLOURISH 8 Communication Is Key To Mitigating Fraud By Rebeca Romero Rainey, President and CEO, ICBA FROM THE TOP 10 Conquering Check Fraud One Check at a Time By Lucas White, Chairman, ICBA 12 October, Effectively How Have the Financial Markets Performed in the Tenth Month? By Jim Reber, President and CEO, ICBA Securities 14 Women in Banking Conference Recap FEATURED ASSOCIATE MEMBER 16 Collection Professionals Inc. Serving the Banking Industry By Collection Professionals Inc. 18 Managing Customer Complaints Is Important to an Effective CMS By William J. Showalter, CRCM, Senior Consultant, Young & Associates Inc. 21 MIB Upcoming Events 22 University of Montana Tailgate Cosponsored by MIB and Bell Bank 23 Montana State University Tailgate Cosponsored By MIB and UBB 24 2024 MIB Membership Directory 25 MIB Associate Member Resource Guide 26 MIB Associate Member Banks 27 Bank Training Webinars Contents FALL 2024
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