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 West Virginia’s Banking Culture is a Competitive Advantage By Mark Mangano, WVBankers President & CEO 6 Meet Your Chairman Travis G. Delaplain, CPA, FNB Bank 10 Thank You to Our Sponsors 130th WVBankers Annual Convention 12 Consumer Compliance Trends By Kelly Shafer, CPA, Suttle & Stalnaker 14 Utilizing the Corporate Fiduciary By Elisabeth A. Slater, JD, CTFA, Executive Vice President and Wheeling Market Fiduciary Director, Security National Trust Company 16 Amid the Hype, Is AI Right for Your Bank? By Milton Bartley, Co-Founder, President & CEO, ImageQuest 18 The End of Chevron Deference and Its Impact on the Banking Industry By Amy J. Tawney, Partner, and Jessica P. Tarantine, Associate, Bowles Rice LLP 22 Audit Stress? Lessen Annual Audit Anxiety with a 3(16) Fiduciary By John Schafer, VP, National Leader, Financial Institutions Channel, Pentegra 24 Be Proactive and Limit Asset Misappropriation Schemes By Annie Cortez, Managing Consultant, and Macie Latham, Lead Consultant, Forvis Mazars 26 Words of Wisdom — Investing for the Next Rate Cycle By Dale Sheller, Associate Partner, Director of Financial Strategies Group, The Baker Group 6 18 Cover Photo: Fall 2024 Chairman Cover Photo and Convention Photography provided by Erin Hurst, Erin Hurst Photography Lewisburg, WV (www.erinhurstphotography.com). 4 West Virginia Banker
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