Contents 4 THE BOTTOM LINE By Howard Headlee, President and CEO, Utah Bankers Association 5 WASHINGTON UPDATE ADVOCATING FOR ACRE: How Congress Can Help Rural America By Rob Nichols, President and CEO, American Bankers Association 8 THE EDULOGUE ARE YOU EXPERIENCING A SKILLS GAP? By Beth Parker, Director of Education, Utah Bankers Association 9 BANKERS ON THE MOVE 10 10 TIPS FOR PROTECTING YOUR INSTITUTION & CUSTOMERS FROM CHECK FRAUD 12 UBA’S COMMUNITY REINVESTMENT CONFERENCE By Brian Comstock, Director of Communications & Marketing, Utah Bankers Association 14 NEW BANK GUIDANCE: Regulators Share Direction on Third-Party Risk Management By Brandon Koeser, Financial Services Senior Analyst, RSM and Angela Kramer, Financial Services Senior Analyst, RSM 6 7th Annual Utah Banks & Partners Golf Classic By Brian Comstock, Director of Communications & Marketing, Utah Bankers Association 20 BANK KUDOS 23 UBA ASSOCIATE MEMBERS 26 NEW ASSOCIATE MEMBERS 26 UBA STAFF 16 EMERGING BANK LEADERS AT TOPGOLF 17 FALL WASHINGTON D.C. FLY-IN 18 Artificial Intelligence — The Benefits and Challenges for Financial Institutions By Julia A. Gutierrez, Director of Education, Compliance Alliance Utah Banker 3
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