IN THIS ISSUE @ 2023 Arizona Banker Association (AZBA) |The newsLINK Group, LLC. All rights reserved. The Arizona Banker is published four times each year by The newsLINK Group, LLC for AZBA and is the official publication for the association. The information contained in this publication is intended to provide general information for review and consideration. 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 specific circumstances. The statements and opinions expressed in this publication are those of the individual authors and do not necessarily represent the views of the association, 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. The Arizona Banker is a collective work, and as such, some articles are submitted by authors who are independent of AZBA. While AZBA and The newsLINK Group encourage 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 newsLINK Group at 855-747-4003. 111 West Monroe, Suite 440 Phoenix, Arizona 85003 Phone: (602) 258-1200 2023 AZBA BOARD OF DIRECTORS AND STAFF 6 WASHINGTON UPDATE America’s Banks Are Stronger Together By Rob Nichols, President and CEO, American Bankers Association 8 Section 1071 Final Rule — What You Need to Know By Victoria E. Stephen, Compliance Alliance 11 Congratulations AZBA! 2023 Hermes Awards Winner! 12 Keep It Long Enough, It Will Come Back In Fashion: Buydown Program Considerations By Elizabeth Madlem, Bankers Alliance 15 Congratulations! AZBA 2023 Communicator Award Winner! 16 Are Password Managers Secure? By Shane Daniel, SVP Information Security Consultant/Regional Director and Terry Kuxhaus, Senior Information Security Consultant, SBS CyberSecurity 18 They Opened Your Email. Now What? By Neal Reynolds, President, BankMarketingCenter.com 20 S&P Webinar: U.S. Banks To Stockpile ‘Precious’ Deposits With Recession Forecast By Tim Weatherhead, S&P Global 22 Helping Small Businesses Go International By Jay Kenney, SVP and Southwest Regional Manager, PCBB Paul Hickman CEO & President Steven Killian Director of Government Relations Michal Plavecky Executive Administrator Kerensa Williams Chief Operating Officer William Ridenour General Counsel AZBA STAFF Jack Barry Enterprise Bank & Trust Bill Callahan Arizona Bank & Trust Neal Crapo Wells Fargo Bank Frank Coumides KS State Bank Wayne Gale 1st Bank Yuma Peter Hill Goldwater Bank Joel Johnson FirstBank Kyle Kennedy Bell Bank Dave Matthews First Western Trust Christine Nowaczyk BOK Financial Brad Parker PNC Bank Steve Richins Comerica Bank Tyson Rigby JPMorgan Chase Craig Robb City National Bank Dina Ryan Citigroup Patrick Strieck BMO Chris Webster Commerce Bank of Arizona Mark Young National Bank of Arizona DIRECTORS Brian Schwallie Immediate Past Chairman U.S. Bank Scott Vanderpool Chairman Bank of America Don Garner Chairman-Elect Alliance Bank of Arizona Bo Hughes Treasurer Canyon Community Bank Brian Riley Vice Chairman Foothills Bank Brian Ruisinger Secretary Republic Bank of Arizona EXECUTIVE COMMITTEE
RkJQdWJsaXNoZXIy ODQxMjUw