Pub. 2 2023 Issue 4

President’s Message	4
Flourish	6
Portfolio Power, Barbell Structure May Be the Right Regimen	8
Can Enhanced Due Diligence Help Your Bank Avoid Cybersecurity Risk?	11
Lenders Covered by New Small Business Data Rule	13
10 Reports Every Bank Should Run Now	16
Adopting a Holistic FRAML Approach To Fight Financial Crime	20
The Myth, Lure and Reality of AI	23
Is It Time to Hedge Interest Rate Risk With a Forward Rate Lock?	24
NICB Endorsed Partners	26
Associate Members 2023	26

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