CONTENTS ©2024 The West Virginia Bankers Association | The newsLINK Group LLC. All rights reserved. West Virginia Banker is published four times each year by The newsLINK Group LLC for the West Virginia Bankers Association and is the official publication for 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 West Virginia Bankers Association, 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. West Virginia Banker is a collective work, and as such, some articles are submitted by authors who are independent of the West Virginia Bankers Association. While West Virginia Banker encourages a first-print policy, in cases where this is not possible, every effort has been made to comply with any known reprint guidelines or restrictions. Content may not be reproduced or reprinted without prior written permission. For further information, please contact the publisher at (855) 747-4003. 5 PRESIDENT’S MESSAGE Professional Development Resources for a New Generation By Mark Mangano, WVBankers President & CEO 6 A Conversation with Tim Broyles 2024 West Virginia Young Banker of the Year 10 West Virginia Young Banker of the Year Nominees 12 Unlock More Profitable Customer Relationships By Dennis Falk, SVP and Regional Manager, and Jo Ellen McKinley, SVP and National Business Development Manager, PCBB 14 A Disaster Can Happen at Any Minute. Are You Prepared? By ImageQuest 16 What Is the Impact of the FTC Non-Compete Ban On Banks and Bank Holding Companies? By Amy J. Tawney, Partner, Bowles Rice 19 How Positive Pay Helps Fight Check Fraud By Jason Young, Senior Director of Enterprise Banking, CSI 21 Cybersecurity in the Banking Industry Check Your Blind Spots By Randall Saunders, Partner, and Jonah Samples, Senior Associate, Nelson Mullins Riley & Scarborough LLP 24 Meet Your Fiduciary Obligations ... With a Little Help By John Schafer, VP, National Leader, Financial Institutions Channel, Pentegra 26 Credit for Funding on Non‑Maturity Deposits By Forvis Mazars 28 Unlocking Growth A Practical Guide To Leveraging Your Bank’s Data By Achim Griesel, President, and Dr. Sean Payant, CSO, Haberfeld 30 Congratulations WVBA! 2023 MarCom Awards Winner 4 West Virginia Banker 16 6
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