OFFICIAL PUBLICATION OF KANSAS BANKERS ASSOCIATION Kansas Bankers Educational Foundation Awards Scholarships 2024 Women in Banking Conference BLOK Session II Class Convenes in Kansas City MAY/JUNE ISSUE 3 2024
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© 2024 Kansas Bankers Association | The newsLINK Group, LLC. All rights reserved. The Kansas Banker is published six times each year by The newsLINK Group, LLC for the KBA 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 Kansas Bankers 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 Kansas Banker is a collective work, and as such, some articles are submitted by authors who are independent of the Kansas Bankers Association. While the The Kansas 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. CONTENTS Washington Update 5 Courts Pump the Brakes on CRA Overhaul By Rob Nichols, President and CEO, American Bankers Association 6 JAG-K Month with the KBA 10 2024 KBA Golf Classic 12 Kansas Bankers Educational Foundation Awards Scholarships 14 V2Verify Revolutionizing Identity Verification for the Financial Industry — Simplify Life 16 2024 Women in Banking Conference 22 BLOK Session II Class Convenes in Kansas City 26 Peace of Mind for World Travelers Help Your Employees Safeguard Their Health When Traveling Abroad By Blue Cross and Blue Shield of Kansas In Memory 28 Cari Christine Charter 29 KBA Promotes Rayanna Breshears 30 Briefly in Kansas Banking Executive Doug Wareham, President & CEO Kathy Taylor, EVP, General Counsel Terri D. Thomas, EVP, COO Administration Alex Orel, SVP, Government Relations Eric Stofer, SVP, Chief Financial Officer Sara Blubaugh, SVP, Administration & Board Secretary Julie Taylor, VP, Computer & Information Systems Kelly VanZwoll, JD, VP, Staff Attorney & Gov’t Relations Alana Seelbach, AVP, Administration & Special Projects J.W. Wells, Ag Division Coordinator/ Government Relations Assistant Communications & Marketing Mary Taylor, SVP, Director of Communications & Marketing Bree Hull, AVP, Communications & Marketing Rayanna Breshears, Marketing & Strategic Partnerships Coordinator Education and Conferences Brenda L. Unruh, SVP, Director, Education & Conferences/Strategic Partnerships LeAnn Mott, VP, Education & Conferences Natalie Wareham, AVP, Education & Conferences Insurance Alex Greig, President, KBA Insurance Inc. Kent Owens, SVP, KBA Insurance Inc. Elizabeth Roche, SVP, Employee Benefits Administration Jenny Figge, SVP, Operations Cole Thompson, AVP, KBA Insurance Inc. Clinton Moore, KBA Insurance Inc. Samantha Lee, Employee Benefits Specialist Legal/Compliance Jackie Kuhn, JD, VP, Staff Attorney Gwen Hill, JD, VP, Staff Attorney Jamie Cosgrove, JD, VP, Legal Dept. Manager Dylan Serrault, JD, VP, CFBS Manager Bobby Young, JD, VP, Staff Attorney Adeel Syed, JD, VP, Staff Attorney Neal Barclay, AVP, Compliance Specialist/Auditor Jeff Narron, AVP, Compliance Specialist/Auditor Kerry Clark, AVP, JD, Staff Attorney & Publications Editor Lewis Walton, AVP, JD, Compliance Specialist/Auditor Heather Williams, Compliance Operations Specialist/Auditor Sarah Weltmer, Compliance Operations Specialist Lindsay Bryant, Compliance Operations Specialist, Auditor Shannon Capps, Compliance Operations Specialist, Auditor Meridith DeForest, AVP, Administrative Legal Assistant Sarah Lynch-Chaput, Legal Intern Gabe Walker, Legal Intern Tom Thomsen, Legal Intern Darby Leitch, Legal Intern Kat Eusey-Zuckerman, Legal Intern
While the banking industry has been battered about by the “regulatory tsunami” in recent months, bankers can now breathe a small sigh of relief. In a win for the industry, a Texas federal judge in late March issued a preliminary injunction in ABA’s lawsuit challenging the Community Reinvestment Act’s final rule. This injunction means that banks can put their compliance efforts on pause until the court decides the merits of the case. It is also the latest signal from the courts that they agree with our view that in a number of these recent regulatory actions, the agencies have gone too far. That has been our argument in several legal challenges that are currently pending in federal court. ABA has filed four lawsuits over the past two years on behalf of our members, challenging a UDAAP examination manual update by the CFPB, the CFPB’s section 1071 final rule, the CFPB’s late fee rule and, of course, the CRA final rule. As I mentioned in my remarks at the ABA Washington Summit earlier this year, suing federal regulators is never our first or preferred course of action, and we remain committed to engaging constructively with the agencies wherever we can. But we’ve seen a disturbing pattern recently of regulators moving ahead with rulemakings that fall outside their regulatory authority and ignoring constructive feedback from banks and other stakeholders. When that happens, litigation is the only tool left in the toolbox. It’s one we’ve wielded reluctantly, but one we’ll never shy away from using when it’s warranted. ABA and our members fully support the goals and principles underlying the CRA, and we agree that the 30-year-old regulations should be updated to reflect the realities of modern day banking. However, the “updates” made in the final rule exceed the lines drawn by Congress in the CRA statute by authorizing the evaluation of some banks outside of their physical deposit-taking footprint and on their deposit products, in addition to whether the bank meets the credit needs of the communities it serves. And as we reviewed this final rule, we concluded that it fails to consider banks’ demonstrated commitment to all communities and instead creates a framework that risks undermining the very spirit of the original law by creating disincentives for banks to offer certain products or lend outside their branch networks. We were heartened to see the Courts Pump the Brakes on CRA Overhaul WASHINGTON UPDATE By Rob Nichols, President and CEO, American Bankers Association court agree that our arguments to that effect have merit. We share this CRA win with our counterparts at the Texas Bankers Association, the Independent Community Bankers of America, the Independent Bankers of Texas, the Amarillo Chamber of Commerce, the U.S. Chamber of Commerce and the Longview Chamber of Commerce. As the case moves forward, we will continue to speak with one unified voice to amplify the concerns we all share about what these rules would mean for bank customers and local communities. Serving communities is at the core of what banks do. We need to ensure that the regulations governing America’s banks are supporting that important work, not hindering it. Email Rob at nichols@aba.com. 5
JAG-K Month with the KBA Kansas bankers teamed up with Jobs for America’s GraduatesKansas (JAG-K) throughout the month of April to educate students about opportunities in the banking industry, as well as tips on financial literacy. The partnership has evolved over three years to become “JAG-K Month with the KBA.” JAG-K programs throughout the state collaborated with banks in their respective areas to plan educational opportunities for students. Throughout April, employees of participating banks visited local JAG-K classes in person or virtually or hosted groups for visits to their facilities. JAG-K is a multi-year, in-school program for students in grades 6-12 that offers tools to successfully transition students into post-secondary school, the military or directly into the workforce with marketable skills. One of the responsibilities of JAG-K is the instruction of sound financial management to its participants, 75% of whom qualify for free or subsidized lunches. Julie Voelker, EVP & Chief Operations Officer, and Samantha Bloome, Customer Service Experience Manager with Community State Bank in Coffeyville at Field Kinley High School. Jag-K students from Field Kinley High School toured the Community State Bank in Coffeyville. Jon Thornton, with FirstOak Bank in Independence, visited with a larger JAG-K class at Independence High School. 6
April is recognized nationally as both Community Banking Month and Financial Literacy Month. Through participating in JAG-K Month with the KBA, students were introduced to the tools made available to them by financial institutions. “The Kansas Bankers Association focuses on promoting financial literacy among students because it is vital for a stable and healthy economic future,” said Alex Orel, senior vice president of government relations at the KBA. “By equipping students with essential financial knowledge and skills, the banking industry can help them make informed decisions about their finances, contributing to personal growth and community development.” JAG-K programs across the state visited banking institutions or met in their classrooms with representatives of banks. The program at Royal Valley High School hosted Trevor Bausch, vice president of Denison State Bank. Denison State Bank in Holton with Liberty Homeschool Fellowship. Pamela Szuba, AVP & Branch Manager with Equity Bank in Topeka at Highland Park High School. Trevor Bausch, AVP & Loan Officer with Denison State Bank in Holton with Royal Valley High School. Stacy Kite, Retail Office Supervisor with First State Bank & Trust in Tonganoxie at Basehor-Linwood High School. 7
“It’s important that we understand how to take care of our finances when we get out into the real world,” said Royal Valley High School junior Tristan Thorton. “Hearing from Mr. Bausch was helpful because we are young kids, and we need to learn how to take care of our money for when we get older.” Representatives of the KBA emphasized the need to develop future employees in the field of banking. Through interactions with banking professionals, students learned about the many career opportunities in the financial industry. “Growing a new generation of Kansans to work in local banking is vital for maintaining the continuity of community-focused services, integrating innovative banking technologies and supporting local economic development,” Orel said. “When local youth are employed in banking, they bring a personal understanding of community needs, which can lead to more effective and personalized financial services.” Orel said, “Kansas banks have a significant need in the areas of information technology and cybersecurity, regulatory compliance, public relations and marketing, among others.” “Young Kansans looking to enter the banking sector might start in roles such as bank tellers or customer service representatives, which typically require minimal experience ... These positions offer foundational experiences in financial services, allowing individuals to learn and grow within the industry,” Orel said. “Over time, with experience and further education, young employees can advance into higher roles or specialized positions within the industry. This progression and diverse job opportunities not only enhance their careers but also strengthens the local banking sector’s capacity to serve its community effectively.” Shari Fabrizius, Customer Service Representative with Golden Belt Bank in Hays, at Hays High School. Chidera Machebe, System Analyst with INTRUST Bank in Wichita, at Southeast High School. Jon Thornton, Assistant Retail Banking Manager with FirstOak Bank in Independence, at Independence High School. 8
Mortgage Investment Services Corporation 22316 Midland Drive • Shawnee, KS • 66226 • 913-390-1010 NMLS# 194708 • A Kansas licensed mortgage company #MC 0001182 Missouri Residential Mortgage Loan Broker Licence # 10-1912 Oklahome Mortgage Broker #MB001953 Colorado License #100044344 Nebraska Licensed Mortgage Company NMLS#194708 Arkansas Licensed Mortgage Company License #124530 20+ Years! Depend On Us! For 20+ years, community banks in the Midwest have depended on MISC’s expert mortgage services for their customers. • Free Loan Officer Training & Webinars •Offer all secondary market loan programs: VA, FHA, USDA/RD, Conventional & Jumbo •Earn more fee income with less risk Call or email today. Let’s discuss how MISC can help you! Andrew Holtgraves, Senior Vice President Cell: 913-558-2555 Email: Andrew@MISCHomeLoans.com Associate Member Kansas’ 112 JAG-K programs serve approximately 6,000 students in 47 school districts across the state. JAG-K career specialists help students graduate and learn career, leadership and life skills by executing a nationally-accredited, evidence-based model. Participants must meet criteria to be selected for the program and have potential to overcome various barriers to postsecondary success. The 501(c)(3) not-for-profit organization is a state affiliate of the national JAG program network, which operates in 38 different states and territories. It is primarily funded through the Temporary Assistance for Needy Families block grant to the state of Kansas administered by the Kansas Department for Children and Families (DCF). In addition to school districts and DCF, JAG-K partners with the Kansas Department of Education. Other JAG-K funding sources include ADM, AT&T, EagleU, Evergy, Goldstein Charitable Trust, the JB and Anne Hodgdon Foundation, John Deere, the Kansas Chamber of Commerce, the Kansas City Royals Foundation, Kansas Gas Service, the Kansas Insurance Department, the Kansas State Bank Commissioner, Kohl’s, Synchrony Financial, the Taco Bell Foundation, the City of Topeka, United Way of Kaw Valley, United Way of the Plains, U.S. Bank and Walmart. To learn more about JAG-K, visit www.jagkansas.org, “Jobs for America’s Graduates-Kansas” on Facebook, or on X at @JAG_Kansas. 9
2024 KBA Golf Classic On May 6, 2024, the KBA Golf Classic was held at Sand Creek Station in Newton. Congratulations to all the winners! FIRST FLIGHT First Place Justin Ahlers Andrew Manley Brad Shields Dahx Marrs Second Place Scott Carrithers Craig Heideman Mark Schifferdecker Jeff Steiner Third Place Brett Wicker Patrick Murphy Corey Reece Connor Clune SECOND FLIGHT First Place John Lehman Ron Johnson Herb Iams Second Place Blake Hemberger Brian Schwindt Alex Gunderson Fred Ostdiek Third Place Neal Barclay Tom Strickler Mike Waldman John Masterson THIRD FLIGHT First Place Cara Daise Terry Daise John Copeland Paul Bures Second Place Brock Stuhlsatz Sam Jackson Gregg Theissen Cole Thompson Third Place Paul Badura Ed Dewey Alan Meyer Aaron Stoffer PROXIMITY PRIZES Closest to the Pin Hole 3: Dale Winklepleck Hole 7: Francis Scheuerman Hole 13: Corey Reece Hole 17: Scott Carrithers Longest Putt Hole 2: Jordan Lauer Longest Drive Hole 14: Andrew Manley 10
2024 KBA GOLF CLASSIC SPONSORS Hole Sponsor Hole Sponsor Hole Sponsor Hole Sponsor Hole Sponsor
Kansas Bankers Educational Foundation AWARDS SCHOLARSHIPS CHILDREN OF KANSAS BANKERS SCHOLARSHIPS Anexi Gaucin Kansas State University Father: Noel Gaucin, Vice President at Fidelity State Bank and Trust Company, Dodge City Anexi graduated in May from Dodge City Community College with an associate degree in science. She will be studying business and accounting as a junior at K-State this fall. She is exploring career paths as a chief financial officer or a certified public accountant in western Kansas. Maecyn Gunn Kansas State University Mother: Emily Gunn, Information Technology Coordinator at First Commerce Bank, Marysville Maecyn is majoring in organizational management as a junior at K-State. She has worked part time at First Commerce Bank for two years, and she hopes to work her way up to a management/ officer position at a bank. Reid Hughes University of Kansas Father: Scott Hughes, Vice President at Silver Lake Bank, Topeka Reid will be a senior at KU this fall and is majoring in finance. Upon graduation, Reid is looking forward to a thriving career in wealth management after having completed an internship at Advisors Excel in Topeka. Halle Latham Kansas State University Mother: Amber McCauley, Vice President/Chief Operating Officer at Lyons Federal Bank, Lyons Halle will be a senior at K-State this fall majoring in finance with a certificate in investment management. She currently works as a finance co-op for Koch Industries. She is considering a career in banking after college. Keegan O’Shea Emporia State University Mother: Molly O’Shea, EVP at Citizens State Bank, Cheney Keegan plans to attend Emporia State University in the fall where he will pursue a bachelor's degree in business administration with an emphasis in finance. He plans to apply for an internship at Koch Industries. Eventually, he hopes to have a career in banking or the finance industry. Dawson Taylor Kansas State University Father: Scott Taylor, Vice President at Fidelity State Bank, Dodge City Dawson will graduate from Dodge City Community College this spring with an Associate of Arts degree. In the fall, he plans to attend K-State where he will pursue a finance degree. With a passion for financial advising and strategic decision making, he is looking forward to a career in the financial industry. BANKER REFERENCE SCHOLARSHIPS Maeve McGrath University of Kansas Banker Reference: Dan Bolen, President and CEO at Bank of Prairie Village, Prairie Village Maeve will be a junior at KU this fall, majoring in finance. She participated in the Jennett Finance Scholars Program while at KU, and she will be interning at R.W. Baird in Chicago this summer. Her goal is to raise her family in Kansas while having a career as a professional banker. 12
COLLEGE/UNIVERSITY BANKING SCHOLARSHIPS Pierce Applegate Fort Hays State University, Robbins Banking Institute Pierce Applegate is a junior at FHSU, majoring in finance and also completing the banking certificate. He serves as vice president of the Finance Club and as treasurer of the International Business Club and is a member of Alpha Kappa Psi, the Economics Club and the Accounting Club. This summer Pierce is working for the FDIC as a financial institution intern in risk management. After graduation next year, he hopes to find a position in a community bank as an ag lender. Kyle Lampert Fort Hays State University, Robbins Banking Institute Kyle Lampert is a senior at FHSU, majoring in finance with a banking concentration. His ultimate goal after graduation is to work in the finance department of a bank so he can use his analytical skills to make informed decisions that benefit the bank and its customers. Halle Lutz Fort Hays State University, Robbins Banking Institute Halle Lutz is a senior at FHSU, majoring in finance with a banking concentration. She is currently employed at Golden Belt Bank and plans to continue working there after graduation with aspirations to be a loan officer. Halle began working as a teller in a community bank when she was in high school and looks forward to being a life-long learner in the field of banking as she intends to pursue a master’s level program in banking in the future. Jacob Hawley Byron G. Thompson Center for Integrity in Finance and Economics, Benedictine College Jacob is an upcoming senior from Overland Park, Kansas. He is a finance major. Growing up, Jacob was instilled with a strong curiosity and work ethic. Jacob is already a successful serial entrepreneur, a high-achieving amateur physicist, and has successfully completed internships. Upon graduation, Jacob seeks a career in commercial lending, private equity or investment banking, where he can continue to learn, excel and contribute to a high-performing team. Yonathan Tobar Cubias Byron G. Thompson Center for Integrity in Finance and Economics, Benedictine College Yonathan is an upcoming senior from Kansas City, Kansas. He is double majoring in finance and management. He was born and raised in KCK and plays on the Benedictine men's soccer team. Since his early childhood, Yonathan has had a natural affinity with numbers and finance. His family runs multiple small businesses, showing him firsthand the importance of banking for small enterprises. After graduation, Yonathan plans on pursuing further education in finance and a career in banking. Thomas Wurtenberger Byron G. Thompson Center for Integrity in Finance and Economics, Benedictine College Thomas is an upcoming senior from Wichita, Kansas. He will earn a major in finance and a minor in economics. Thomas has already completed two summer internships (in 2022 for Corner Capital Partners as a financial analyst intern and in 2023 for Rx Savings SolutionsMcKesson as a finance intern) and is interning this summer for Koch Industries. His father, who was a loan officer, played a significant role in shaping his career path and his decision to pursue a degree in finance. Thomas plans on pursuing a career in Corporate Finance. Riley Rottinghaus Byron G. Thompson Center for Integrity in Finance and Economics, Benedictine College Riley Rottinghaus grew up in Seneca, Kansas. She plans on graduating in May 2025 with a degree in finance and marketing. After college, Riley plans on pursuing opportunities in financial planning within the banking industry. Growing up she loved math and numbers. In high school, she took an accounting and finance class which sparked her immediate interest in the field. In the future, she is hoping to help a variety of clients manage their assets and reach their financial goals. The Kansas Bankers Association (KBA) is pleased to announce the recipients of fourteen scholarships awarded by the Kansas Bankers Educational Foundation (KBEF), a 501(c)(3) corporation created and operated by the KBA. Six scholarships were awarded to children of Kansas bankers, one scholarship was awarded to a student with a banker reference letter, and seven scholarships were awarded to students who are currently enrolled in one of two Kansas colleges/universities that offer bankingspecific degrees and/or concentrations. 13
V2VERIFY Revolutionizing Identity Verification for the Financial Industry — Simplify Life In the ever-evolving financial industry, V2Verify is making waves with its commitment to fortifying security and enhancing user experience while adhering to the mantra of “Simplify Life.” As a leader in voice biometric authentication, the company has introduced a secure, efficient and userfriendly alternative to traditional authentication methods. V2Verify’s technology, which encompasses not only voice biometrics but also analyzes and adapts to user behavioral patterns, has garnered attention for its practical applications in addressing critical challenges faced by the financial sector. Notably: • Password Replacement: V2Verify eliminates the need for cumbersome passwords by leveraging the unique vocal and behavioral characteristics of individuals for secure authentication. • Mobile App Security: V2’s technology ensures a robust layer of security for mobile app logins, safeguarding sensitive financial information with a seamless and userfriendly experience. 14
• Call Center Pre-Authentication: V2 enhances call center security by pre-authenticating callers through voice biometrics, streamlining the authentication process and fortifying the overall security of your customer interactions. • MFA in a Single Pass: V2’s innovative approach integrates multi-factor authentication seamlessly into a single pass, providing an additional layer of security across all authentication scenarios. To complete the MFA in a single pass, all the user is asked to do is speak the One Time Password (OTP) numbers, and the user’s OTP, voice and behavioral patterns are verified during the authentication process. This streamlined process ensures a comprehensive and efficient security protocol without compromising user experience. V2Verify’s focus on Voice Biometric Authentication and the integration of behavioral patterns signify a transformative shift in how the financial industry secures digital transactions. For institutions seeking practical solutions to enhance security measures, the technology’s diverse applications are poised to play a significant role. For further insights or inquiries about the practical implications of V2Verify’s technology for your institution, please contact them at sales@v2verify.com. More opti ons for your customers, without more risk to your bank. Why Partner With Us? Ag Resource Management offers an innovative solution to lenders by mitigating your risks with watch list and non-performing loans. We can help you take these assets off of your balance sheet and increase your lending ability. We achieve this with a blend of proprietary technology and data validation in valuing a growing crop, monitoring that crop, and keeping track of collateral as it approaches maturity. Loans are processed swiftly and we communicate with you throughout the process. We’re just a call away. Get started today with our teams in Kansas. Ryan Schreibvogel 1805 East Mary Street, Suite B Garden City, KS 67846 (620) 371-4858 RSchreibvogel@armlend.com Wade Simpson 7505 NW Tiffany Springs Pkwy. Suite 220 Kansas City, MO 64153 (816) 226-4574 WSimpson@armlend.com ARM is an equal opportunity provider. 15
2024 Women in Banking Conference Alyson Van Hooser Level Up: Elevate Your Leadership Game Alyson Van Hooser revealed to attendees a proven leadership strategy that creates a breeding ground for empowerment, leadership, and high-performance accountability and success. This year’s Women in Banking Conference was held on March 20-22 at Overland Park Marriott. It was a definite success! We had an exceptional line-up of presenters and 150 attendees. Here are some of this year’s highlights! 16
Kathy Taylor and Kelly VanZwoll Government Relations Update Kathy and Kelly gave bankers in attendance an update on the issues of interest to the banking industry at the Federal level and the Kansas statehouse. Federal issues covered included the ACRE Act, CCCA and lawsuits filed against the Federal bank regulatory agencies. Kelly tackled the effort at the state level to modernize the UCCC and bring tax relief to Kansans — including privilege tax-paying banks. Sherene McHenry Less Burnout and Stress! More Success! Sherene McHenry shared with attendees how to combat burnout and stress while keeping themselves energized and engaged, and how they can operate from a position of strength while guiding others simultaneously. 17
Emily Lehning A Balancing Act: Embracing Our Seasons Attendees joined the conversation with Emily Lehning to uncover strategies for growth and achievement while also building in renewal and celebration. 18
Joyce Marter The Financial Mindset Fix In her workshop, Joyce Marter provided practical tools to attendees for recovering from financial trauma, healing money anxiety, setting healthy financial boundaries and more. Attendees discovered how to promote mental and financial health using cognitive behavioral therapy, narrative therapy and mindfulness practices. 19
Natalie Bartholomew The Girl Banker Natalie Bartholomew discussed how she launched her platform to act on her passion for educating young women on opportunities within the banking industry and raising awareness of what it means to be a community banker. 2025 WOMEN IN BANKING CONFERENCE March 27-28, 2025 in Wichita 20
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BLOK Session II Class Convenes in Kansas City The 2024 BLOK class members met in Kansas City on April 17-19 to continue their training, which kicked off at the Greater Kansas City Chamber of Commerce’s headquarters at Union Station. Katrina Abraham, government relations specialist for the Chamber, welcomed the class and gave an update on the efforts to bring the World Cup games to Kansas City in 2026. Ted Garnett of Performance Resources Consulting LLC led the class in a half-day session titled “Leadership Accountability.” During his presentation, Mr. Garnett took the class through several hands-on exercises that helped the group learn effective leadership strategies and how to be accountable to your team and yourself. KC Fed President Jeff Schmid welcomed the class and gave an inside look into his first year as Fed president. 22
FDIC Deputy Regional Director Jilovec kicked off the last day of the session, highlighting the importance of engaging with our regulators. Panelists (L-R), Country Club Bank President Joe Close, TriCentury Bank CEO Travis Hicks and Arvest Bank CEO Mark Larrabee discussed the competitiveness of the banking industry and workforce challenges. Dr. Bruce Morgan, Professional Bank Consultants, revealed what it takes to be a great bank that can survive in this competitive industry. Day two started with a full slate of speakers at the Federal Reserve Bank in Kansas City, starting with a brief history of the Federal Reserve presented by Executive Writer and Historian Tim Todd. Mr. Todd talked about the bank’s origins, what the banking system looked like before its founding and how it has transformed over the years. Jason Brown, vice president and economist, led the class through an Economic Outlook focused on Kansas and the 10th Federal Reserve District. The morning concluded with Jamar Turner, senior manager of Kansas City E&I Community Banking Organizations, providing an interactive and detailed review of Kansas banking conditions and trends. Kansas City Fed President Jeff Schmid joined the BLOK Class for lunch and gave a candid look into the world of a new Fed president. Following lunch and a group photo, the class enjoyed a tour of the Fed. Once the class reconvened, Stephanie Miracle, product director for FedNow, gave an overview about the FedNow payment rail and advice on adopting the new system. Dr. Bruce Morgan, Professional Bank Consultants, continued the afternoon sessions and gave a presentation entitled “What’s the Future for Community Banks?” On day two, the session came to an end with a distinguished Urban Banker panel comprised of Joe Close, president of Country Club Bank in Kansas City; Travis Hicks, CEO of TriCentury Bank in DeSoto; and Mark Larrabee, CEO of Arvest Bank in Shawnee Mission. They gave the class a look into their market space, how they hire and retain the best talent, and pivotal moments in their career that put them where they are today. The group also talked about how they are competitors yet resources for each other in the highly competitive marketplace of Kansas City. On the final day, the first speaker was FDIC Deputy Regional Director John Jilovec, who welcomed the class to the FDIC’s Kansas City office 23
and discussed the FDIC’s regulatory priorities. Mr. Jilovec took questions from the class on the current banking conditions, including recent bank failures and proposed changes to the FDIC assessments. The class also heard from Regional Economist Nathan Hinton and Senior Financial Analyst Shawn Schreier from the FDIC’s Division of Insurance and Research. These gentlemen presented current trends in Kansas and Midwest economies, including housing supply and demand coming back into balance post-pandemic, resulting in Kansas home price growth that is in line with the national average. They also talked about the Kansas ag economy, where net farm income is projected to fall sharply for the second consecutive year, largely due to falling crop prices and continued high input costs. The session closed with an interactive hot topic discussion that revolved around fraud. Class members candidly shared what they are seeing with their customers and exchanged ideas to combat everything from check fraud to romance scams. For Session III, the class will head to Wichita in July to continue training before going to Washington, D.C., with KBA’s board of directors and Federal Affairs Committee in September. Thanks to our BLOK Sponsors! Premier: Blue Cross Blue Shield of Kansas and KBA Insurance Inc.; Platinum: FHLBank Topeka; Silver: INTRUST Bank, N.A.; Bronze: Bankers’ Bank of Kansas, Professional Bank Consultants LLC and Schools of Banking. BLOK class members held a roundtable discussion on fraud prevention. Class members on their tour of the KC Fed’s money museum and vault. Ted Garnett, Performance Resources Consulting LLC, challenged class members to set lofty personal and professional goals and commit them to people who matter. 24
2024 BLOK Class Members Stephen Austin, Vice President — Commercial Lending, Bank7, Montezuma Ali Aylward, Vice President, Real Estate Loan Officer, Bank of Commerce, Chanute Shannon Beal, Community Bank President, Vice President, Citizens Bank of Kansas, El Dorado Brian Berkley, Loan Officer, Senior Vice President, Solutions North Bank, Stockton Michael Carlson, Vice President — Loan Officer, Denison State Bank, Holton Kerry Clark, AVP, Staff Attorney/Publications Editor, Kansas Bankers Association, Topeka Alison Clutter, Vice President, Lender, Bankers’ Bank of Kansas, Wichita Loren Erway, Chief Financial Officer, Farmers Bank & Trust, Atwood Jenny Figge, Senior Vice President, Insurance Operations, Kansas Bankers Association, Topeka Ryan Fleck, Vice President — Information Technology, Legacy Bank, Wichita Mark Galloway, Vice President of Leadership and Development, Bank of Tescott, Salina Kate Haverkamp, Vice President — Deposit Operations, First Heritage Bank, Centralia Jenell B. Hulse, Commercial Loan Officer & Construction Division Manager, Bank of the Plains, Salina Jessica Kerr, Chief Compliance and Marketing Officer, Golden Belt Bank, Hays Cher McLachlan, Senior Vice President and Manager, Retail Banking, First National Bank of Hutchinson, Hutchinson Taylor Sharp, Chief Financial Officer, TriCentury Bank, De Soto Billy Skrobacz Jr., Chief Retail Operations Officer, Capitol Federal Savings Bank, Topeka Andy Stegman, Community Bank President, GNBank, N.A., Offerle Taylor Stos, Vice President/Senior Credit Analyst, First State Bank & Trust, Tonganoxie Lance Tilton, Regional President, Astra Bank, Chapman George von Leonrod, President & CEO, First National Bank, Dighton Andy Watkins, Senior Commercial Relationship Manager, INTRUST Bank, N.A., Wichita Gant Welborn, Director of Product Administration & Lending, FHLBank Topeka, Topeka Candace Wolke, Market President/Chief Credit Officer, Vintage Bank Kansas, Conway Springs 25
When you or your employees take time off from work, it’s an investment in time, money and effort. You want a worry‑free travel experience wherever you go, especially if you’re traveling to a foreign country. Whether the destination is a relaxing retreat or the adventure of a lifetime, you don’t want potential hiccups to derail your entire trip. Travel insurance provides protection from unexpected events while you’re traveling abroad. You and your employees can find affordable plans that cover a variety of services, such as medical emergencies, trip cancellation, lost baggage and emergency evacuation. Purchase travel insurance if you want coverage for: • Medical Emergencies: You may have great medical coverage in the U.S., but most of those benefits don’t extend overseas. It could be difficult to find the right care, and you may have no coverage and face unexpected medical bills. Travel insurance can help cover hospital stays, doctor visits and prescriptions. • Trip Cancellation or Interruption: An unexpected illness or emergency can force you to cancel or cut short your trip. Travel insurance can help you recover non-refundable expenses like flight tickets and accommodations. • Lost or Stolen Belongings: Travel insurance typically offers coverage for lost, stolen or damaged belongings such as luggage, personal items and important documents like passports. This can be crucial in the event of a catastrophe. • Travel Delays or Missed Connections: If your flight is delayed, canceled, or you miss a connecting flight, travel insurance can provide coverage for additional expenses such as accommodation, meals and transportation until you can resume your journey. • Emergency Evacuation: In the event of a natural disaster, political unrest or a medical emergency, travel insurance may cover the cost of emergency evacuation to the nearest medical facility or back to your home country. • 24/7 Assistance Services: Many travel insurance policies come with 24/7 assistance services that can help you with various issues, such as finding medical facilities, arranging transportation or locating emergency assistance. • Activities: If you plan to engage in adventure activities or sports during your trip, some travel insurance policies offer coverage for potential injuries or accidents related to these activities. Life is unpredictable, especially when you travel abroad. Travel insurance provides peace of mind, knowing that you have Peace of Mind for World Travelers Help Your Employees Safeguard Their Health When Traveling Abroad By Blue Cross and Blue Shield of Kansas 26
financial protection against unexpected events. It can help you to enjoy your trip without worry. Before purchasing travel insurance, be sure to carefully review the policy details, coverage limits, exclusions and any additional options or add-ons to ensure that it meets your specific needs and provides adequate protection for your trip. Help Your Employees Travel Safe and Travel Smart: Blue Cross and Blue Shield of Kansas can help you and your employees enjoy worry-free travel with affordable international health insurance plans through GeoBlue.® World travelers can enjoy: • Comprehensive coverage for hospitalizations, doctor visits and prescriptions. • An elite network of “best in class” doctors in 180 countries. • No need to file for reimbursement. Get a Quick Quote: Anyone can enroll in GeoBlue, even if they are not covered by Blue Cross and Blue Shield insurance. Get a GeoBlue quote in just a few minutes at bcbsks.com/travel. For more information about national and global coverage, contact your Blue Cross and Blue Shield of Kansas representative today, or call (800) 432-3990. Blue Cross and Blue Shield of Kansas is an independent licensee of the Blue Cross Blue Shield Association. See all the deals: Blue365Deals.com Blue365® is a free health and wellness discount program offered to you as a member of Blue Cross and Blue Shield of Kansas. We offer year-round discounts on gym memberships, fitness gear, healthy eating options and more. Healthy living is just a deal away KBA 0324 STRONG? Is Your Marketing Plan (801) 676-9722 | (855) 747-4003 sales@thenewslinkgroup.com Advertise in this magazine and strengthen your business. CONTACT US TODAY. QR Code: website /#ad-space 27
IN MEMORY Cari Christine Charter August 12, 1969-April 20, 2024 Cari joined KBA in 2010. She immediately became an integral part of the insurance operation. She supported our members with life insurance, collateral protection, health plan, COBRA and benefits administration. Her strong attention to detail and dedicated work ethic was shown in everything she did. Elizabeth Roche, SVP of employee benefits, recalled, “Cari was both a co‑worker and a friend. We enjoyed watching the hummingbirds outside my office window in the summer. She will be greatly missed.” Evidence of this was shown in one of her favorite hobbies, photography. She spent much of her vacation and off-time taking pictures of Kansas. When it came time to redecorate, she supplied us with some of her favorite pictures of Kansas to display on our walls. We called it her own personal “gallery.” One of her favorite association activities was the annual golf tournament. She had a great time seeing people she worked with and taking pictures of the fun. President of KBA Insurance Alex Greig said, “Cari was a big part of what makes KBA Insurance special. She will be missed not only by our staff but also by the many bankers that she served. The size of our group makes us more than just co-workers; we are family.” Photo taken by Cari Charter 28
Rayanna recently graduated from Kansas State University with a degree in business marketing and has seamlessly transitioned from her role as a communications and marketing intern at the KBA to become our marketing and strategic partnerships coordinator. Originally from Emporia, Kansas, and a graduate of Emporia High School, Rayanna enjoys spending her free time outdoors, visiting coffee shops and spending time with family and friends. In her new role, Rayanna will coordinate activities for the Robbins Banking Institute and represent KBA and RBI at events across the state. She’ll also play a vital role in maintaining our strategic partnerships and providing administrative support to KBA’s Education and Conferences department. Additionally, she’ll continue to contribute to our electronic newsletters, videos, social media, graphic design projects and podcast production. KBA’s communications and marketing director, Mary Taylor, states, “I’m thrilled to welcome Rayanna to our department! With her dynamic skillset and unmistakable eagerness to dive into her new role at KBA, we’re excited for her contributions.” KBA Promotes Rayanna Breshears 29
Tina Call Joins Bank of the Plains Bank of the Plains is happy to announce Tina Call has joined its team as chief risk officer. Tina brings a variety of experience, including eight years of FDIC examination and 22 years of community banking experience. She has served on many boards and committees throughout her communities, including Seward County Community College Board of Trustees, Southwest Medical Center Board of Trustees and United Way Board, and was selected as the SBA’s Women in Business Champion of the Year for the Wichita District, Women Who Lead in the Wichita Business Journal, and Women Who Lead-Diversity, Equity & Inclusion in the Wichita Business Journal 2021. “We cannot wait to see what she does next as a part of the Bank of the Plains team,” a press release from the bank said. (L-R) KBA President and CEO Doug Wareham, Benedictine College President Stephen Minnis, Ether George and Country Club Bank Chairman and CEO Paul Thompson. Benedictine’s Thompson Center Honors Esther George With 2024 Thompson Medal On April 17, 2024 Benedictine College’s Byron G. Thompson Center for Integrity in Finance and Economics awarded its annual Thompson Medal to Esther George, former president of the Federal Reserve Bank of Kansas City. This award, given in conjunction with Country Club Bank of Kansas City, recognizes an individual in business who exemplifies integrity and competence, as well as making significant contributions to both their sphere of business and their community. Troy Hutton Announced as Chairman of the Board for First National Bank First National Bank is pleased to announce that Troy Hutton, current president and CEO of First National Bank, has been elected as the new chairman of the board for First National Bank, effective April 16. Troy has been an integral part of First National Bank’s leadership team since January 2013, and has provided exceptional guidance and vision as president and CEO for the past four years. Under his leadership, the bank has achieved significant milestones and maintained a steadfast commitment to customers, employees and the community. In addition to his role as president and CEO, Troy will now assume the responsibilities of chairman of the board. His extensive experience, strategic insight and dedication to First National Bank’s mission will continue to drive success and growth. Congrats to Troy on being elected as chairman of the board! BRIEFLY IN KANSAS BANKING 30
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