Pub. 14 2023 Issue 2

President’s Message Successful Leadership Has Set the Stage for the Association’s Continued Relevance	4
A Conversation with Deborah L. Swiger 2023 West Virginia Young Banker of the Year	6
WV Young Banker of the Year Nominees	8
Interagency Guidance on Third-Party Relationships Continues to Require a Tailored Approach Based on Risk Profile and Complexity	12
Home Equity Line of Credit Scams	16
Changes to TDR Accounting and Disclosures for CECL Adopters	18
Empowering the Next Generation of Bank Leaders: The Future Leaders Council’s Involvement in the ABA Government Relations Summit	20
West Virginia School of Banking Prepares Future Industry Leaders	22
Adopting a Holistic FRAML Approach to Fight Financial Crime	24
Why It’s Necessary to Implement a Zero Trust Security Model for Your Business’s Network	27
2023 Calendar of Events	30

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