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