Pub. 19 2022 Issue 1

TOC	4
President's Message	6
Executive Vice President's Message	8
Washington Update Leaders in Financial Literacy	12
The Economy of Risk	14
Building Greater Strength with FICO	16
Qustionalbe Incoming Wires and What to do About Them	17
Running CECL in Parallel - What You Should Know	18
Bank News	19
Five Strategies for Strengthening Your Bank's Cybersecurity Posture	20
In Memoriam	22

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