Pub. 2 2023 Issue 5

President’s Message: Embracing the Harvest Season	4
Flourish	6
The Human Firewall	9
Data-Driven Strategies For Banks Start Here	12
Is Your Bank Ready to Accelerate Payments with the FedNow Service?	16
Remember the Munis - Don’t Go To Sleep on a Profitable Bond Sector	18
2022’s Top Third-Party Sender Audit Findings	20
Santander US CEO Talks Business Strategy, Industry Challenges	22
NICB Endorsed Partners	26
Associate Members 2023	26

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