Contents 4 The Bottom Line By Howard Headlee, President and CEO, Utah Bankers Association 5 Washington Update Against a Rising Tide of Regulation, Banks Must Row Together By Rob Nichols, President and CEO, American Bankers Association 6 “Keep It Long Enough, It Will Come Back in Fashion” Buydown Program Considerations By Elizabeth Madlem, Vice President of Compliance Operations and Deputy General Counsel, Compliance Alliance 8 Federal Reserve Governor Bowman Visits Salt Lake City 9 The Edulogue ROI for Learning and Development By Beth Parker, Director of Education, Utah Bankers Association 12 The Future of Banking How AI Is Revolutionizing Operations By Brandon Koeser, Financial Services Senior Analyst, RSM, and Angela Kramer, Financial Services Senior Analyst, RSM 14 UBA Fall Compliance Conference Recap By Brian Comstock, Director of Communications & Marketing, Utah Bankers Association 15 Emerging Bank Leaders “Igniting Leadership” Conference Wrap-Up By Brian Comstock, Director of Communications & Marketing, Utah Bankers Association 16 Meeting the Credit Needs of the Community Through Special Purpose Credit Programs By Keenan Neal, Manager, CrossCheck Compliance, LLC 10 Executive Development Program Class of 2023 18 Deposit Growth Strategies for Banks Building Lasting Customer Relationships with Treasury Management By Jordan Sternlieb, Senior Partner, West Monroe 20 Bank Kudos 22 Bankers on the Move 23 UBA Associate Members 26 By Banding Together, Community Banks Can Participate in Bigger Loans By Jay Kenney, SVP & Southwest Regional Manager, PCBB Utah Banker 3
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