2023 BUSINESS PARTNER DIRECTORY
MISSION STATEMENT The Utah Bankers Association is a financial services trade association comprised of Regional, Community, and Industrial Banks. The Association’s mission is to: • Promote a favorable image and understanding of the banking industry to the general public and maintain the public confidence in the strength and security of Utah’s financial service industry. • Protect the industry against legislation or regulation which could result in undue or burdensome oversight or competitive disadvantage. • Provide (i) membership with assistance and resources designed to improve operational efficiency and profitability and (ii) a forum for open communication between providers of financial services in Utah.
2023 BUSINESS PARTNER DIRECTORY 3 ©2023 UBA Business Partner Directory | The newsLINK Group, LLC. All rights reserved. UBA Business Partner Directory is published one time each year by The newsLINK Group, LLC for the Utah Bankers Association (UBA) and is the official publication of 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 UBA, 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. Content may not be reproduced or reprinted without prior written permission. For further information, please contact the publisher at (855) 747-4003. PRESIDENT’S MESSAGE UBA Business Partners are a valuable resource for you, offering the best people, products, and services across accounting, correspondent banking, consulting, investment, legal, technology, and more. Some of these companies have been partners for more than two decades, and they are consistently evolving and innovating to meet your needs. We are also excited about the new relationships we have created this past year. In addition to providing effective business solutions, these partners sponsor the UBA conferences and events you attend each year, and their sponsorship dollars allow us to present the very best educational opportunities. Keep this guide close and refer to it as needed throughout the year. You’ll find a directory of the companies broken up by category, followed by an alphabetized list with company descriptions and contact information. Thank you for your continued support of the UBA and our Business Partners. Sincerely, Howard Headlee President Utah Bankers Association
UTAH BANKERS ASSOCIATION 4 ASSOCIATE MEMBERS BY CATEGORY Accountants / CPAs Eide Bailly, LLP FORVIS Moss Adams PwC RSM US, LLP Simpson & Company, CPAs Asset / Real Estate Management BancAlliance Cherrywood Enterprises, LLC EVO Asset Consulting Utah Center for Neighborhood Stabilization Attorneys / Law Firms Dorsey & Whitney, LLP Holland & Hart, LLP Kirton McConkie Parsons Behle & Latimer Ray Quinney & Nebeker P.C. Scalley Reading Bates Hansen & Rasmussen Bank Advisory Services FinPro, Inc. Bank Building & Construction Integrated Builders Group, Inc. Nuveen Green Capital Bank / Office Supplies ODP Business Solutions Brokerage Services FBBS FHN Financial GPS Capital Markets, Inc. Capital Partners GPS Capital Markets, Inc. IntraFi Network Nuveen Green Capital Stephens, Inc. Card Services Discover Debit PULSE, a Discover Company Certified Development Company B:Side Capital Mountain West Small Business Finance Check Printing Vericast Collections Cherrywood Enterprises, LLC Compliance / Audits Abrigo Compliance Alliance, Inc. Compliance Services Group CrossCheck Compliance RSM US, LLP Core / Data Processing BMA FPS GOLD SPARK Correspondent Services Bankers’ Bank of the West Bell Bank GPS Capital Markets, Inc. PCBB Zions Correspondent Banking Group CRA Services Rocky Mountain CRC Utah Center for Neighborhood Stabilization Cybersecurity Executech Document Shredding Shred-It Due Diligence CrossCheck Compliance
2023 BUSINESS PARTNER DIRECTORY 5 Education OnCourse Learning Fee Income Strategies StrategyCorps Furniture & Fixtures Integrated Builders Group, Inc. ODP Business Solutions Insurance ABA Insurance Services, Inc. KeyState Captive Management, LLC Newcleus, LLC Unitas Financial Services Interest Rate Risk Management FBBS PCBB The Baker Group Investment Services BancAlliance D.A. Davidson & Co. FBBS FHN Financial Newcleus, LLC Piper Sandler Companies IT Executech Job Board BankTalentHQ Lending Partners Abrigo B:Side Capital BancAlliance Bell Bank Federal Home Loan Bank of Des Moines Mountain West Small Business Finance Nuveen Green Capital Rocky Mountain CRC Upgrade, Inc Utah Center for Neighborhood Stabilization Utah Housing Corporation Wasatch Business Finance Loan Services BHG Financial Management Consultants Cherrywood Enterprises, LLC West Monroe Partners, LLC Marketing Solutions Bank Marketing Center StrategyCorps Vericast Merchant Services Select Bankcard Mergers and Acquisitions Stephens, Inc. Printing ODP Business Solutions Quality Control CrossCheck Compliance Software Providers Abrigo SPARK vCom Technology Audits & Risk Assessments RSM US, LLP Training OnCourse Learning Wholesale Function & Treasury Services GPS Capital Markets, Inc.
UTAH BANKERS ASSOCIATION 6 ABA Insurance Services, Inc. 3401 Tuttle Rd., Ste. 300 Shaker Heights, OH 44122 Mike Read (800) 274-5222 mread@abais.com www.abais.com ABA Insurance Services, a member of Great American Insurance Group, provides D&O, bond and cyber insurance to financial institutions, including trust companies and banks in the organization through UBA’s Endorsed Vendor program. Recognized as insurance experts who understand banking operations, our tenured and experienced team of underwriting and claims professionals are highly regarded for their in-depth knowledge and expertise. We help mitigate risks by providing valuable loss control resources such as SafeTalk® newsletters, SafeAlert® bulletins, and webinars. With a 30% nationwide market share, the program is a market leader that has been supporting the banking industry for over 30 years; the program’s primary reinsurer, American Bankers Mutual Insurance, Ltd., has declared a distribution to eligible banks for 31 consecutive years, totaling over $91 million. P&C, Excess insurance and STAMP surety bonds are also available from ABA Insurance Services. Abrigo 5444 Wade Park Blvd., Ste. 400 Raleigh, NC 27607 (512) 279-5797 www.abrigo.com Abrigo enables more than 2,300 U.S. financial institutions to support their communities through technology and advisory services that grow loans and deposits and optimize risk. Abrigo’s platform centralizes the institution’s data, creates a digital user experience, and delivers efficiency for scale and profitable growth. Abrigo’s team of industry experts can give your institution the guidance needed to stay on the path toward increased profitability. From portfolio risk and CECL to BSA/AML, our advisory services team helps you solve problems. Learn more at www.abrigo.com. B:Side Capital 3350 Brighton Blvd., Ste. 135 Golden, CO 80401 Lauren Kloock (303) 657-0010 lkloock@bside.org www.bsidecapital.org B:Side Capital is shaking up small business lending in the Rocky Mountain Region. They remain steadfast in their mission of over 30 years to foster the economic growth of diverse small businesses. As a Certified Development Company and Lender Service Provider, B:Side Capital is committed to serving their lending partners through Small Business Administration 504 and 7(a) loans. They care about creating access to responsible capital for small businesses and being a resource for ASSOCIATE MEMBERS ALPHABETICALLY
2023 BUSINESS PARTNER DIRECTORY 7 banks and entrepreneurs alike. Since 1990, they’ve funded nearly 4,100 small business loans helping to create over 30,000 jobs, injecting $4.98 billion into the economy. More information can be found at www.bsidecapital.org. BancAlliance 4445 Willard Ave., Ste. 1100 Chevy Chase, MD 20815 Brendan Hart (301) 232-5423 bhart@alliancepartners.com www.bancalliance.com BancAlliance provides community banks with efficient access to lending services available only through membership. Join 260+ banks nationwide in the benefits of the network to: • Grow and diversify your loan portfolios • Maintain and grow your customer base • Participate in engaging training • Have efficiency and regulatory support BankMarketingCenter.com 95 Old Stratton Chase Atlanta, GA 30328 Neal Reynolds (678) 528-6688 nreynolds@bankmarketingcenter.com www.bankmarketingcenter.com BankMarketingCenter.com (BMC) is a webbased marketing portal that empowers banks to produce professionally designed, bankbranded marketing materials in a matter of seconds. BMC puts you in complete control of the ad production process for your bank, saving valuable time and money. BMC has thousands of successful marketing materials including ads, direct mail, statement stuffers, flyers, posters, digital signage and more. The process is easy. On the site, you can select a marketing piece and customize it within seconds. Your bank’s logo and contact info will be automatically inserted into the ad. You can edit the copy, colors, fonts, and select from over nine million stock photos from Getty Images. Finished materials are then sent automatically to your compliance department for approval and then to your publication or printer. BankMarketingCenter.com has proven to be so successful that banks of all sizes are now using this valuable service nationwide. Program benefits include: • 20% discount for UBA members • Easy to use and no software required • Software routes ad materials through the bank’s compliance approval process • Order history allows ad materials to be reviewed by regulators • Professional advertising and marketing materials can be produced in seconds • Private labeled marketing sites can be developed for large banks. • Databases can be added with completed letters produced and printed in seconds
UTAH BANKERS ASSOCIATION 8 Bankers’ Bank of the West 1099 18th St., Ste. 2700 Denver, CO 80202 Karen Maydick (303) 291-3700 kmaydick@bbwest.com bbwest.com Bankers’ Bank of the West (Member FDIC) has supported community banks with highquality, affordably priced correspondent solutions and expert customer service since 1980. Services include loan participations for overline, share-the-risk, and concentration management; bank stock and direct loans to banks; and municipal leasing. We offer professional safekeeping and access to investment portfolio accounting services. Additionally, we provide cash letter processing and settlement services; agent fed funds and fed funds lines; wire transfers; international services; and certificates of deposit. Bank card products include ATM and debit card processing; merchant services and mobile payments solutions; and credit, debit, and prepaid cards. BankTalentHQ 3201 W. White Oaks Dr., Ste. 400 Springfield, IL 62704 www.banktalenthq.com BankTalentHQ is the premier talent management site for banking careers. It allows Utah banks to reach a nationwide audience by posting job openings for your institutions, with the ability to purchase a single 30-day post or a discounted posting package to fill multiple vacancies. Visit www.banktalenthq.com to post or search for a job. Bell Bank 2435 S. Honeysuckle Cir. Mesa, AZ 85209 Tracy Peterson (480) 339-8533 tpeterson@bell.bank bell.bank Bell Bank is one of the largest independently owned banks in the nation, with assets of more than $9 billion. As a privately held company, owned by several majority stockholders, about 140 additional stockholders and Bell Bank employees through an employee stock ownership plan (ESOP), we don’t have the pressure of next quarter’s earnings. Instead, we focus on a healthy balance of profitability, growth and nurturing relationships. Unlike a typical correspondent bank, Bell Bank’s focus is working as your partner. We have larger hold limits, so we won’t resell your loan participation with us. We also have a team dedicated to correspondent banking and credit, so we can provide flexible underwriting, competitive lending terms and prices, fast decision-making, and consistent communication. Having partnered with more than 300 other independent community banks across 16 states, we’ll help you enhance your customer relationships through our experience-based expertise in participation loans, bank stock and ownership loans and equipment financing. In providing these services, we become your behind-the-scenes partner, helping you work in a larger relationship without threatening your relationship with your customer.
2023 BUSINESS PARTNER DIRECTORY 9 BHG Financial 10234 W. State Rd. 84 Davie, FL 33324 Meaghan Kincaid (866) 297-4664 mkincaid@bhg-inc.com bhgfinancial.com Since 2001, BHG has originated $9.4 billion in loan solutions for top-performing borrowers, which community banks can purchase through a state-of-the-art platform: The BHG Loan Hub. To date, 1,400+ banks have diversified their portfolios and earned nearly $1 billion in combined interest income by trusting in BHG’s time-tested and proven assets. BMA 2151 S. 3600 W. Salt Lake City, UT 84119 Adam Weight (801) 887-0103 adam.weight@bmabankingsystems.com bmabankingsystems.com BMA offers expert individualized software solutions to make your bank successful. BMA is an innovative leader in software technology by providing outstanding core processing services. Whether you have an existing bank, creating a new bank, or need custom programming or IT services, our software can be built to meet your specific needs and wants. Our team is customercentric; we put you first! We’re focused on providing the ultimate customer care experience while delivering outstanding products. Call to schedule a discovery meeting or demonstration. Cherrywood Enterprises, LLC 6901 Okeechobee Blvd., # D5-l2 West Palm Beach, FL 33411 Craig M. Geisler (561) 508-7650 cgeisler@cherrywoodenterprises.com cherrywoodenterprises.com Cherrywood Enterprises is a buyer of charged off debt files. We purchase charged off credit cards, consumer loans, overdraft accounts, commercial loans, and even judgments! Compliance Alliance, Inc. PO Box 162407 Austin, TX 78716 Scott Daugherty (888) 353-3933 scott@compliancealliance.com compliancealliance.com Owned by 30 State Bankers Associations, Compliance Alliance provides an allinclusive compliance solution for banks of all sizes. Membership offers three main areas of support including downloadable documents, a compliance hotline and review services. Compliance Alliance members receive unlimited access to all products and services for one annual fee.
UTAH BANKERS ASSOCIATION 10 Compliance Services Group, LLC 2405 Evergreen Park Dr. S.W., Ste. B4 Olympia, WA 98502 John Bley (360) 943-7137 john.bley@complianceservicesgroup.com complianceservicesgroup.com Compliance Services Group, LLC is the product of two nationally respected companies that provide responsive and high-quality compliance consulting and audit services for financial institutions of all types. Our team of consulting and auditing professionals, with decades of consulting, auditing, and financial institution experience, serves over 175 financial institutions throughout the nation. Compliance Services Group is focused on meeting your financial services compliance needs at a value proposition. We can help you implement and maintain a high-quality compliance management program for less than it costs to maintain internal expertise. We also offer compliance audit services either on an independent basis for board audit and supervisory committees or on behalf of the management team. We invite you to explore our service options to examine what we can do for the benefit of your institution. CrossCheck Compliance, LLC 810 W. Washington Blvd. Chicago, IL 60607 Liza Warner (312) 346-4600 lwarner@crosscheckcompliance.com crosscheckcompliance.com CrossCheck Compliance, LLC, headquartered in Chicago, is a nationwide consulting firm providing regulatory compliance, internal audit, fair lending, loan review/due diligence and litigation support services exclusively to the financial services industry. Since our founding in 2008, we have built a reputation for tailoring solutions that fit each client’s size, complexity, and business needs. Our experts adeptly identify the needs and challenges of our clients, having held similar positions as compliance officers, internal auditors, general counsel, outside counsel, regulators, underwriters, and consultants. Our experienced and credentialed professionals have expertise in federal and state financial regulations, as well as certifications in accounting, compliance, risk, internal audit, fraud, underwriting, BSA/AML and mortgage banking. This means our clients receive the highest level of professional standards of knowledge and ethics. We are also well-known for our industry involvement with trade associations serving on boards and committees, presenting at industry events, and as published authors for key industry publications.
2023 BUSINESS PARTNER DIRECTORY 11 D.A. Davidson & Co. 8 Third St., N Great Falls, MT 59401 Tom Hayes (406) 268-3084 thayes@dadco.com dadavidson.com D.A. Davidson & Co. is a full-service investment banking firm. In addition to research, market making and fixed-income sales and trading, D.A. Davidson is the leading provider of investment banking services (M&A advisory services and capital raising) to banks in the western U.S. Discover® Debit 1301 McKinney St., Ste. 2500 Houston, TX 77010 Jim Foster 303-993-4701 jimfoster@discover.com www.discoverdebit.com Discover® Debit offers banks a compelling alternative in signature debit. With superior economics, simplified rules and fee transparency, a comprehensive fraud mitigation program and stronger program flexibility, Discover Debit is a direct route to greater profitability. FEEL SECURE. BE SECURE. Contact us today! 801.489.9600 securityservicesutah.com Video Surveillance Electronic Alarm Systems Vault and Safe Locks Access Control Under Counter Steel Pneumatic Drive Up Equipment Deal Drawers Audio/Visual Sound Systems Networking/Structured Wiring
UTAH BANKERS ASSOCIATION 12 Dorsey & Whitney, LLP 111 S. Main St., 21st Floor Salt Lake City, UT 84111 Steven Waterman (801) 933-7365 waterman.steven@dorsey.com www.dorsey.com Dorsey & Whitney provides legal representation in all aspects of commercial banking with particular experience in all types of lending, litigation, bankruptcy and receiverships, mergers and acquisitions, and regulatory matters. Founded in 1912 at the request of a bank, Dorsey has a century of service in the financial services industry. Dorsey represents lead arrangers, administrative agents, lending banks and borrowers in syndicated, club and singlebank credit transactions. The firm also represents banks in out-of-court workouts, receiverships, bankruptcy and financial restructurings. Its experience includes representing underwriters and issuers in high yield and Rule 144A transactions. In addition, Dorsey advises national banks, multi-bank holding companies, regional banks, and foreign banks on regulatory matters. Dorsey attorneys have experience before regulatory bodies, including the Board of Governors of the Federal Reserve System, the U.S. Treasury Department (including the Office of the Comptroller of the Currency, the Office of Foreign Assets Control and the Financial Crimes Enforcement Network), FDIC, SEC, FINRA, NYSE, SIPC, and State banking, insurance and securities regulators. Dorsey’s experience extends to representing banks in commercial litigation, including commercial collections, foreclosures, class actions, and defense of lender liability and consumer cases. Please visit www.dorsey.com for more information. Eide Bailly, LLP 5 Triad Center, Ste. 600 Salt Lake City, UT 84121 Gary Smith (888) 777-2015 gsmith@eidebailly.com www.eidebailly.com/fi As CPAs and business advisors, Eide Bailly serves banks by providing tax and assurance services, internal audits, compliance consulting and loan review services, technology examination services, strategic planning, bank stock valuations and bank merger & acquisition analysis and assistance and fraud investigation. Eide Bailly is ranked as one of the 25 largest CPA firms in the nation. The regional CPA and business advisory firm offers a team of professionals who works specifically with clients in the financial institutions industry. What inspires you, inspires us. EVO Asset Consulting 114 S. 140 W. Lindon, UT 84042 Anthony Powell (801) 953-8408 tony@joinevo.com www.joinevo.com EVO Asset Consulting delivers a fullfeatured REO solution and a seasoned consulting team to handle everything it takes to liquidate a property. REO doesn’t need to be a headache. In fact, we can change your whole outlook on asset management with an easy-to-use solution that simplifies your processes, drives efficiency, increases compliance, and most importantly, generates profit. No matter your size, no matter the property type or how many you have, EVO and Zoocom deliver results.
2023 BUSINESS PARTNER DIRECTORY 13 Executech 1314 W. 11400 S. South Jordan, UT 84095 Lee Weech (801) 253-4541 lee.weech@executech.com www.executech.com Executech is an award-winning, managed IT services provider. Executech provides enterprise-quality IT support to small and medium-sized organizations across the West. Executech is defined by its people and every client is supported by a team of professional and friendly experts. FBBS 1099 18th St., Ste. 2700 Denver, CO 80202 Duane Kerner (720) 709-7613 dkerner@fbbsinc.com firstbankersbanc.com FBBS was founded in 1984 to service community banks and their investment portfolio needs in a simple and straightforward manner. For over 30 years, FBBS has worked with over 1,000 clients in more than 25 states. Initially founded with the purpose to service community bank investment needs, the scope of our client coverage has evolved over time. Today, we service investment needs for not only community banks but also trust companies, insurance companies, investment advisors, wealth managers, municipalities, corporations and individuals. No matter the type of client, we are committed to upholding our philosophy of exceptional service through individualized attention. Our experienced traders and sales representatives are dedicated to providing the appropriate products, services and trade execution tailored to our clients’ needs. The FBBS team believes the success of our clientele is the future of our firm. Federal Home Loan Bank of Des Moines 909 Locust St. Des Moines, IA 50309 Zachary Bassett (800) 544-3452 zbassett@fhlbdm.com www.fhlbdm.com The Federal Home Loan Bank of Des Moines is a member-owned financial cooperative that provides liquidity, funding, and services to enhance our members’ success and the availability of affordable homes and economic development in their communities. FHN Financial 1000 Ridgeway Loop Rd., Ste. 200 Memphis, TN 38120 Trae Winston (901) 435-8757 trae.winston@fhnfinancial.com www.fhnfinancial.com For over 155 years, FHN Financial has been dedicated to helping our customers achieve their fixed-income goals. Whether you want to buy or sell securities, need help managing your balance sheet, or seek to limit interest rate risk, we can deliver the appropriate products and services, precisely tailored to your needs. We’re confident you won’t find a more responsive, customer-focused fixedincome shop anywhere. FHN Financial is
UTAH BANKERS ASSOCIATION 14 an industry leader in fixed-income sales, trading, and strategies for institutional customers in the U.S. and abroad. We also provide investment services and balance sheet management solutions. With an average daily trading volume of $7+ billion, FHN Financial transacts business with approximately 50% of all U.S. banks with portfolios over $100 million (for 24-month period ending 4Q21). FinPro, Inc. 158 Route 206 Gladstone, NJ 07934 Scott Polakoff (908) 234-9398 spolakoff@finpro.us www.finpro.us FinPro, Inc. is a full-service management consulting firm specializing in providing advisory services to the financial institutions industry. FinPro is an industry leader in strategic planning, board retreat moderation, planning, enterprise risk management, leadership and education, corporate governance, market feasibility, de novo bank formation, asset/liability management, and regulatory consulting. FinPro also conducts M&A through its wholly owned subsidiary, FCA, as a FINRA registered broker/dealer. FORVIS, LLP 510 S. 200 W., Ste. 200 Salt Lake City, UT 84101 Bud Hollenkamp (303) 861-4545 bud.hollenkamp@forvis.com www.forvis.com FORVIS, LLP ranks among the nation’s top 10 professional services firms. Created by the merger of equals of BKD, LLP and Dixon Hughes Goodman, LLP (DHG), FORVIS is driven by the commitment to use their forward vision to deliver unmatched client experiences. FORVIS is built upon the strong legacies of BKD and DHG, which is reflected in a name comprised from partner initials that represents their unique focus on preparing clients for what is next. With more than 5,400 dedicated professionals who serve clients in all 50 states and around the globe, FORVIS offers comprehensive assurance, tax, advisory and wealth management services. Visit www.forvis.com for additional information. FPS GOLD 1525 W. 820 N. Provo, UT 84601 Matt DeVisser (801) 429-2126 mattd@fps-gold.com www.fpsgold.com Since 1964, FPS GOLD has been an integral part of the computerized data-processing industry. We specialize in helping banks gain a competitive advantage immediately by providing better banking services — services that include a core and wire system to help you cut your data processing costs, add greater flexibility, improve productivity, and integrate all systems for better profitability
2023 BUSINESS PARTNER DIRECTORY 15 management and reporting. We know from experience that FPS GOLD’s products and services will give your bank a competitive advantage, one that will lead to profitability at a very fast pace. Core Processing, Relationship Banking, General Ledger, Deposit Platform, Loan Origination, Internet Banking, Telephone Banking, Item & Payment Processing, Check Imaging, Customer Verification and Wire System. GPS Capital Markets, Inc. 10813 S. River Front Pkwy., Ste. 400 South Jordan, UT 84095 Randal Roberts (800) 459-8181 rroberts@gpsfx.com www.gpsfx.com GPS Capital Markets is a leading corporate foreign exchange brokerage firm. We have around-the-world, around-theclock FX services. Holland & Hart, LLP 222 S. Main St., Ste. 2200 Salt Lake City, UT 84101 Timothy Crisp (801) 799-5800 TSCrisp@hollandhart.com www.hollandhart.com Founded in 1947, Holland & Hart is a full-service Am Law 200 firm with offices in eight states and in Washington, D.C. We deliver integrated legal solutions to regional, national, and international clients of all sizes in a diverse range of industries. For more information, visit www.hollandhart.com. Follow us on Twitter @HollandHart. MEET YOUR UTAH RELATIONSHIP MANAGERS Bankers’ Bank of the West bBWEST.COM 800-873-4722 WHERE COMMUNITY BANKS BANK Member FDIC Scan to call now As a bankers’ bank we strive to help with every level of service and expertise, covering anything from loan participations, merchant services, ATM/Debit and much more, because we aim to answer your questions with, “…yes, we can do that too!” Lance Niles, lniles@bbwest.com David Philippi, dphilippi@bbwest.com
UTAH BANKERS ASSOCIATION 16 Integrated Builders Group, Inc. 5137 Golden Foothill Pkwy., Ste. 140 El Dorado Hills, CA 95762 Tyler Mills (916) 933-8401 tmills@integratedbg.com integratedbg.com Since 2006, Integrated Builders Group has successfully completed over 300 turnkey projects in the financial sector across the western United States. Our team of professionals is dedicated to delivering top-quality work in every aspect of project development and execution, from strategic planning to project commissioning. IntraFi Network 1300 17th St. N., Ste. 1800 Arlington, VA 22209 Bryan Harper (703) 292-3462 bharper@intrafi.com www.intrafi.com Promontory Interfinancial Network is now IntraFi Network. Having built the largest bank network of its kind, we’re a trusted ally to community banks that never competes with banks for their customers and that helps them to attract and maintain valuable customer relationships, grow reciprocal deposits, manage liquidity and generate fee income, diversify funding, and reduce collateralization. Work with the market leader to grow profitability and increase franchise value. IntraFi Network’s innovative balance-sheet management solution — known as IntraFi Network Deposits (formerly CDARS, ICS, and IND deposit solutions) — empowers institutions to increase profitability, grow franchise value, manage liquidity more easily, and serve customers better. To learn more, visit www.intrafi.com. isolved 324 S. State St., Ste. 500 Salt Lake City, UT 84111 Brad Rich (801) 664-4454 brich@isolvedhcm.com www.isolvedhcm.com Employee experience is core to everything we do. isolved is committed to providing future-proof HCM software solutions and services to enable customers to exceed their goals through transformational employee experience. KeyState Captive Management, LLC PO Box 50102 Henderson, NV 89016 Brian Amend (702) 598-3738 bamend@key-state.com www.key-state.com/captivemanagement.aspx KeyState Captive Management, LLC, an affiliate of The KeyState Companies, has partnered with the Utah Bankers Association to offer a unique bank captive insurance program to Utah banks. The bank captive program is designed by
2023 BUSINESS PARTNER DIRECTORY 17 national accounting firm Crowe Horwath, LLP and then administered by KeyState Captive Management. Banks that fit a certain asset size and earnings criteria can form their own wholly owned captive insurance company to finance risks (that are not commercially insured) in a tax advantaged way. KeyState and its affiliates have been working with banks for over 22 years, providing Nevada investment subsidiary, portfolio management, and asset liability consulting services. Kirton McConkie 50 E. South Temple, Ste. 400 Salt Lake City, UT 84111 Gary Winger (801) 328-3600 gwinger@kmclaw.com www.kmclaw.com Kirton McConkie is a full-service law firm successfully representing business, real estate, intellectual property, litigation, international, technology, healthcare, construction, employment, tax and estate planning clients. Our attorneys understand how clients think about their challenging situations and strive to guide them through legal processes while keeping business objectives in mind. For this reason, clients from start-ups to multinational companies have come to rely on our attorneys for their business advice and legal acumen. Moss Adams 601 W. Riverside Ave., Ste. 1800 Spokane, WA 99201 Mike Thronson (509) 747-2600 mike.thronson@mossadams.com www.mossadams.com With more than 3,800 professionals across 30-plus locations in the West and beyond, Moss Adams provides the world’s most innovative companies with specialized accounting, consulting, and wealth management services to help them embrace emerging opportunities. Financial institutions of all sizes face complex challenges, from implementing new regulations to maintaining adequate IT security to managing a compliance program with limited resources. Our financial institution’s practice currently serves more than 500 depository institutions — from community banks to credit unions to publicly traded organizations with assets in excess of $25 billion. Beyond analyzing your financial statements and addressing your tax and assurance needs, we offer a coherent, solutions-based approach catered to the financial service industry’s unique complexities. Discover how Moss Adams brings more West to business.
UTAH BANKERS ASSOCIATION 18 Mountain West Small Business Finance 2595 E. 3300 S. Salt Lake City, UT 84109 Danny Mangum (801) 474-3232 dmangum@mwsbf.com mwsbf.com Mountain West Small Business Finance (formerly Deseret CDC) is one of the nation’s leading SBA 504 lenders. Since 1981, MWSBF has done over 3000 SBA 504 loans, helping to create 50,000 Utah small business jobs and bringing together over $2.5 billion dollars of fixed asset capital. Each SBA 504 loan requires the participation of a bank and the partnership of MWSBF to give the small business customer low interest, fixed-rate 20-year loan for an owner-occupied building, expansion or equipment. The attractiveness of a first collateral position by the bank and a 10% down payment by the borrower makes the SBA 504 loan the loan of choice for the bank’s small business borrower. Newcleus, LLC 411 S. State St., 3rd Floor Newtown, PA 18940 Larry Rowley (267) 291-2130 lrowley@newcleus.com newcleus.com Newcleus, LLC sells, designs, and administers compensation, benefit, investment, and financing strategies. Nuveen Green Capital 409 Oneida St. Denver, CO 80220 Jason Bonanno (720) 785-6655 Jason.Bonanno@Nuveen.com greencapital.nuveen.com Nuveen Green Capital is a national leader in sustainable commercial real estate financing solutions and an affiliate of Nuveen, the over $1T asset manager and wholly owned subsidiary of TIAA. ODP Business Solutions 9501 Amberglen Blvd., Ste. 200 Austin, TX 78729 Kimberly Gilbert (512) 661-7615 kimberly.gilbert@odpbusiness.com www.odpbusiness.com UBA has partnered with ODP Business Solutions to provide association members with significant discounts on a wide range of office and banking supplies, cleaning supplies, furniture, break room provisions, print solutions and promotional products. SBA’s partnership with ODP Business Solutions is part of a national state bankers association discount program accessed by hundreds of banks across the country. The program has proven to deliver an average cost savings of 20–30% to participating members. Program Benefits • Select from 1,300+ discounted items that are frequently used by the banking industry.
2023 BUSINESS PARTNER DIRECTORY 19 • Customize a list of up to 75 additional items from a select group of office supplies to help meet your specific objectives. • Enjoy free, next-day delivery on qualifying orders of $50 or more, within our local delivery areas. • Give your associates access to the contract pricing through our Employee Purchase Program. • Buy online and pick up in-store in one hour. • Leverage cost-saving tools, convenient reporting and bill management through our world-class e-commerce platform. • Help drive savings and compliance with quarterly business reviews from our highly trained sales team. OnCourse Learning PO Box 310 Waunakee, WI 53597 www.oncourselearning.com/business/ financial-services/bank/ OnCourse Learning is a member of Adtalem Global Education (NYSE:ATGE), a global education provider headquartered in the United States. We empower financial institutions to prepare their frontlines, compliance teams, executive leadership and board of directors with comprehensive enterprise compliance, risk management and professional development education
UTAH BANKERS ASSOCIATION 20 that is effective and engaging. Over 10,000 clients and partners have adopted OnCourse Learning solutions to efficiently manage complexity, change and growth. Plus, over the course of our 40+ year history, we have trained over 190,000 individuals with our NMLS-approved licensure and continuing education courses. Parsons Behle & Latimer 201 S. Main St., Ste. 1800 Salt Lake City, UT 84111 Gary E. Doctorman (801) 532-1234 GDoctorman@parsonsbehle.com parsonsbehle.com Parsons Behle & Latimer offers national expertise in a regional law firm. In addition to being the largest Utah-based law firm, Parsons Behle & Latimer is one of the oldest and best-known firms in the Intermountain Region, offering litigation and business law services since 1882. The firm offers the resources and capabilities of a large and diverse firm, coupled with the highest levels of accessibility and responsiveness. With more than 150 attorneys, it brings a depth and range of experience in the following major areas: Banking & Finance; Corporate Transactions & Securities; Chapter 11 Bankruptcy & Restructuring; Energy; Environmental & Natural Resources; Cybersecurity & Data Privacy; Employment & Labor; Government Relations & Lobbying; Healthcare; Intellectual Property; Litigation; Real Estate; and Tax law. Headquartered in Salt Lake City, Parsons Behle & Latimer has offices in Boise and Idaho Falls, Idaho; Lehi, Utah; Helena and Missoula, Montana; and Reno, Nevada. PCBB 1676 N. California Blvd., Ste. 300 Walnut Creek, CA 94596 Jay Kenney (415) 399-5800 jkenney@pcbb.com www.pcbb.com Founded by community bankers in 1997, PCBB was created with the sole purpose of helping community-based financial institutions become stronger. Our goal was to create an organization that could provide fellow bankers with high-quality, competitively priced correspondent banking solutions and personalized service. PCBB provides a comprehensive set of products and services covering multiple areas important to community banks, including correspondent and commercial banking, hedging, and international. PCBB also offers a variety of consulting services ranging from asset liability management, relationship profitability, loan reserve analysis, and stress testing. Our services are designed to help you compete more effectively, but never to compete against you for your own customers. Piper Sandler Companies 1251 Avenue of the Americas, 6th Floor New York, NY 10020 Avi Barak (212) 466-7700 Avi.Barak@psc.com www.pipersandler.com Piper Sandler is a leading investment bank and institutional securities firm driven to help clients Realize the Power of Partnership.® Through a distinct combination of candid counsel, focused expertise, and empowered employees, we deliver insight and impact to each and
2023 BUSINESS PARTNER DIRECTORY 21 every relationship. Our proven advisory teams combine deep product and sector expertise with ready access to global capital. Founded in 1895, the firm is headquartered in Minneapolis with offices across the United States and in London, Aberdeen, and Hong Kong. PULSE, a Discover Company 1301 McKinney St., Ste. 600 Houston, TX 77010 Matt McKinney (281) 884-8663 mattmckinney@pulsenetwork.com www.pulsenetwork.com/public/ discover-debit/ Discover® Debit is the first debit card brand designed for community banks just like yours who want the freedom and choice to issue cards without the high costs and restrictions imposed by legacy brands. PwC 201 S. Main St., Ste. 900 Salt Lake City, UT 84111 Ryan Dent (801) 534-3883 ryan.j.dent@pwc.com www.pwc.com PwC is the leading provider of audit, tax, and advisory services to financial services companies. The breadth and depth of our experience in the financial services and banking industry cover the areas most relevant to your business, including technical accounting, regulatory, compliance, risk management, outsourcing, securities processing, payments, information risk and security, data quality, mergers and acquisitions, tax, and other services. Our local financial services practice provides these services to many of the top banking institutions in Utah. We help our clients navigate the transformation of the financial services industry by rethinking business strategies, evaluating risk and compliance and implementing smart solutions that work. Ray Quinney & Nebeker, PC 36 S. State St., Ste. 1400 Salt Lake City, UT 84111 (801) 532-1500 rqn.com Ray Quinney & Nebeker is the region’s top law firm for banks, lease finance companies, and other financial institutions. We have the largest and most sophisticated banking and financial institutions practice in Utah, with many of our lawyers having more than 25 years of experience in this practice area. For decades, the firm has represented the largest multi-state bank holding company in the Intermountain West and the largest bank in Utah. We continue to represent a broad range of financial institutions, equipment leasing companies and other credit providers, both large and small, including Utah, regional and national financial institutions. We have years of transactional experience with commercial, real estate, and consumer transactions as well as in other more specialized lending and leasing areas. We have demonstrated expertise in resolving risk management issues for financial institutions and other clients such as with problem loans and leases, workouts, and bankruptcy representation. In short, Ray Quinney & Nebeker is the “go-to” law firm for Utah’s most important and prosperous lenders and lessors.
UTAH BANKERS ASSOCIATION 22 Rocky Mountain CRC 64 E. Winchester St., Ste. 230 Salt Lake City, UT 84107 Steven Nielsen (801) 366-0040 snielsen@rmcrc.org rmcrc.org Rocky Mountain Community Reinvestment Corporation (RMCRC) is a private nonprofit supported by Utah’s banking community. RMCRC was created over 20 years ago to increase access to financing for housing in low- and moderate-income communities. With the support of its 30-member bank network, RMCRC originates and services commercial loans for affordable housing and community development. Rocky Mountain CRC provides technical assistance, community advocacy, and financial products for both nonprofit and for-profit developers and service providers. Rocky Mountain CRC is certified as a CDFI. RSM US, LLP 515 S. Flower St., 17th Floor Los Angeles, CA 90071 Dan Shumovich (213) 330-4736 dan.shumovich@rsmus.com rsmus.com RSM’s purpose is to deliver the power of being understood to our clients, colleagues and communities through world-class audit, tax and consulting services focused on middle-market businesses. The clients we serve are the engine of global commerce and economic growth, and we are focused on developing leading professionals and services to meet their evolving needs in today’s ever-changing business environment. RSM US, LLP is the U.S. member of RSM International, a global network of independent audit, tax and consulting firms with more than 43,000 people in more than 120 countries. Contact us today for more information. Connect with us on Facebook, Twitter, and/or LinkedIn. Scalley Reading Bates Hansen & Rasmussen, P.C. 15 W. S. Temple, Ste. 600 Salt Lake City, UT 84101 Darwin Bingham (801) 531-7870 dbingham@scalleyreading.net www.scalleyreading.com Scalley Reading Bates Hansen & Rasmussen, P.C. is a full-service law firm serving Utah businesses for over 35 years. Lending institutions represent the largest single segment of our clients. Thus, our attorneys are knowledgeable and skilled in addressing all of the specific needs of lenders. With numerous laws enacted to protect the borrower, a lender needs an experienced attorney who knows how to document transactions, enforce loans, and protect the lender. Our firm has attorneys specializing in foreclosures, creditor bankruptcy, debt collection, loan documentation, modification agreements, forbearance agreements, compliance, and lender liability defense. Our firm is large enough to handle complex commercial transactions and litigation, but small enough to respond effectively to each lender’s specific needs.
2023 BUSINESS PARTNER DIRECTORY 23 Select Bankcard 170 S. Interstate Plz., Ste. 200 Lehi, UT 84043 Pete Mudrow (801) 791-1938 pmudrow@selectbankcard.com www.selectbankcard.com Select Bankcard was founded in 2010 as a full-service merchant account provider. Headquartered in Lehi, Utah, Select Bankcard is focused on creating relationships with its banking partner that engender trust with the bank and its customers, facilitate a streamlined and enhanced experience via technology, and provide meaningful non-interest revenue to the bank. Select Bankcard’s goal is to make merchant accounts a core offering of the bank (rather than being positioned as a defensive product), which better ties customers to the bank and generates significantly more income. Select Bankcard’s team provides a program that is tailored to the needs of each bank, providing training, customized marketing materials, local servicing (both over the phone and in-person), co-branded online interfaces, portfolio reporting, and growth consulting. As an endorsed vendor of the UBA (and as a Utah-based company itself), Select Bankcard understands that the Utah community banking environment has a proven track record of treating bank depositors exceptionally. Select Bankcard will give you and your customers a better, and more profitable, payment experience. Contact us to find out how we can do this for your bank. Shred-It 205 Winchester Dr. East Stroudsburg, PA 18301 Kevin Kroboth (917) 528-7940 kevin.kroboth@stericycle.com www.shredit.com/en-us/ national-accounts/state-bankersassociation-program Shred-It Document Destruction Services can help you develop and implement a cost-effective, secure, and compliant document destruction solution. Shred-It security consultants will help you establish a complete document destruction program that is customized to your specific business needs — no matter the size of your organization. Their solutions provide secure mobile or off-site document destruction; proof-of-service tracking to ensure accuracy; a Certificate of Destruction for a legal audit trail (chain of custody); flexible, customized service options; and 100% recycled document destruction, leading the industry in environmental sustainability. UBA program highlights include reducing your costs with our national account pricing structure; being Certified PCI Compliant and NAID AAA Certified; having local flexibility with organizational scalability; having onsite and offsite destruction options; having superior service from the most customer-oriented vendor in the industry; and streamlining your operations with an organization-wide syndicated document destruction program, reducing your risk and documenting related exposure to breaches and compliance issues.
UTAH BANKERS ASSOCIATION 24 Simpson & Company, CPAs 5353 S. 960 E., Ste. 102 Salt Lake City, UT 84117 Kenneth Simpson (801) 484-5206 krsimpson@simpson-co.com simpson-co.com Simpson & Company has been a leader in service to community banks in the intermountain area for over 40 years. We offer a wide range of services in auditing, accounting, taxation, and consulting. We provide quality service at a competitive and predictable cost. At our firm, you deal directly with an experienced partner. SPARK 801 Nicollet Mall Minneapolis, MN 55402 Erik Swenson (612) 345-0683 erik.swenson@lendwithspark.com lendwithspark.com For nearly a decade, SPARK has made the origination of SBA and non-SBA loans easier, more secure, and more transparent for our clients and their customers. SPARK digitizes the entire origination process from initial lead capture to funding and is fast becoming the industry standard for SBA lending. Banks, lender service providers and other regulated institutions have used SPARK to originate and fund over $6 billion in loans, including 60,000 PPP loans. Stephens, Inc. 101 2nd St., Ste. 850 San Francisco, CA 94105 Steven Egli (415) 548-6912 steve.egli@stephens.com www.stephens.com Stephens, Inc. is an investment banking advisor to a broad spectrum of financial services companies. Representative clients include regional and various community banks and thrifts, consumer finance companies, broker/dealers, wealth managers, insurance brokers and underwriters and third-party administrators. The Financial Services Group serves public and private companies in addition to private equity groups. Since Jan. 1, 2016, Stephens, Inc. has advised on 67 M&A transactions in the banking sector with a total transaction value of $12 billion. In addition to our M&A experience, we have lead-managed or co-managed more than 72 equity and debt
2023 BUSINESS PARTNER DIRECTORY 25 offerings in the banking sector since 2016, with a total offering value approaching $7.7 billion. StrategyCorps 100 Westwood Pl., Ste. 400 Brentwood, TN 37027 Emily Harrington (615) 263-7777 emily.harrington@strategycorps.com strategycorps.com As recurring revenue experts with retail banking backgrounds, StrategyCorps brings the subscription revenue model – think Amazon, Netflix, and Spotify – to retail checking. StrategyCorps materially increases the financial productivity of retail checking by generating recurring, consumer-friendly fee income and boosting revenue-generating banking behaviors to deliver about $500,000 of new annual revenue per billion dollars of assets. And their subscription fee-based products are attractive to all demographics, especially millennials and value-based customers. These modern and different products deepen consumer engagement, making the FI more likely to be the primary FI for retail banking needs. The Baker Group 2975 W. Executive Pkwy., Ste. 139 Lehi, UT 84043 Brian Bates (800) 937-2257 bbates@gobaker.com www.gobaker.com The Baker Group is one of the nation’s largest independently owned securities firm, (801) 683-0748 info@bmabankingsystems.com END-TO-END CORE CONVERSION BMA provides customized Core Conversion solutions to fit your bank's needs. Our new core operating system will transform your ability to be more competitive with current technology. The consistency presented by our core will offer you customized products, enhancements, and services to meet the unique needs of your clients. "Best of Class" Customer Service and Custom Pricing Safe and Secure Cloud based Solutions Extensive Fintech API Integration Solutions Consistent Expanding Solutions such as, IT as a Service, Teller Capture, and Auto Account Opening BMA’s specializing in asset/liability and investment portfolio management for community financial institutions. We’ve helped our clients improve decision-making, manage interest rate risk, and maximize investment portfolio performance since 1979. Our proven approach of total resource integration for community financial institutions utilizes software and products developed by Baker’s Software Solutions combined with the firm’s investment experience and advice. The Baker Group’s main office is located in Oklahoma City with branch offices nationwide.
UTAH BANKERS ASSOCIATION 26 Unitas Financial Services 6543 Commerce Pkwy., Ste. M Dublin, OH 43017 Brian Ruhe (740) 967-1131 Brian.Ruhe@unitas360.com www.unitas360.com Unitas Financial Services came together when Golden Eagle Insurance, a leading provider of blanket insurance products founded in 1995, and Innovative Risk Solutions, an expert in lender and real estate investor protection founded in 2006, merged in 2020. Both companies agreed that they wanted to expand their presence in the lending world, and joining forces set them on the fast track toward that goal. Unitas is a Latin word that means “oneness” or “unity,” which aligns with the founders’ goal of having a close-knit relationship with employees and clients to create a customercentric culture of innovation. Upgrade, Inc. 275 Battery St., Ste. 2300 San Francisco, CA 94111 Nik Vukovich (415) 940-7688 nvukovich@upgrade.com www.upgrade.com/institutions/ Upgrade is a marketplace lender having facilitated the origination of about $3 billion in personal loans since its inception. We partner with community banks to give them access to prime consumer assets for income goals, customer base growth as well as co-branded digital solutions. Upgrade can offer community banks digital unsecured consumer loans, secured consumer loans, cards, auto loans as well as HELOCs. We can provide community banks with a digital channel to access customers in their communities with a flawless user experience. Utah Center for Neighborhood Stabilization 6880 S. 700 W., 2nd Floor Midvale, UT 84047 Daniel J. Adams (801) 316-9111 dan@utcns.com www.utcns.com UCNS stabilizes neighborhoods through its subsidiary organizations by providing single and multi-family affordable housing, neighborhood revitalization, transit-oriented development, and small business lending and investing. Utah Housing Corporation 2479 S. Lake Park Blvd. Salt Lake City, UT 84120 Grant Whitaker (801) 902-8290 gwhitaker@uthc.org utahhousingcorp.org Established by legislation in 1975 as an independent public corporation, Utah Housing Corporation is the leader in serving Utah’s affordable housing needs. Working with the private sector, Utah Housing provides mortgages and down payment assistance to low- and moderateincome homebuyers, finances affordable rental properties, and develops special needs housing. At no cost to the state, Utah Housing has provided financing for more than 97,000 Utah homebuyers, 30,000 affordable rental units, and over 7,500 special needs units of housing.
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