Connecticut Banking 2Q 2019

Second Quarter 2019

CONGRATULATIONS

TO THE CLASS OF 2019!

Connecticut School of Finance & Management

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Second Quarter 2019 • Connecticut Banking Magazine

CONNECTICUT BANKERS ASSOCIATION

10 Waterside Dr. Farmington, CT 06032-3083 Telephone: 860-677-5060 • Fax: 860-677-5066

COVER STORY

Connecticut School of Finance & Management .................. 12 Chair

Stephen L. Lewis President and CEO Thomaston Savings Bank First Vice Chair

Cynthia C. Merkle President and CEO Union Savings Bank Second Vice Chair

Michael J. LaBella Market President, Connecticut, TD Bank, N.A.

Page 4

Page 6

President & CEO

Lindsey R. Pinkham

FEATURES

Thomas S. Mongellow

Increasing Fee Income Without Raising Fees............................................................ 4

First Senior Vice President & Secretary Colleen E. Clancy

Connecticut Bankers Advocate in Washington D.C................ 6

Executive Vice President & Treasurer

Lindsey Pinkham To Retire As President & CEO................... 7 2019: The Year to Get Out of Cybersecurity Ostrich Mode................................................. 8 Connecticut Banking is an official publication of the Connecticut Bankers Association and is published quarterly by

2021 CSFM Application & Information................................ 10 Future Bankers Program.................................................... 11

The Warren Group

2 Corporation Way, Suite 250 Peabody, Massachusetts 01960 www.thewarrengroup.com Design / Production / Advertising custompubs@thewarrengroup.com With the exception of official association announcements, the Connecticut Bankers Association and The Warren Group disclaim responsibility for opinions expressed in Connecticut Banking. This publication is intended and designed to provide accurate and authoritative information, not to provide legal, accounting or other professional advice.

CONNECTICUT BANKING Editor

Karen Horanzy

©2019 The Warren Group Inc. All rights reserved. The Warren

Group is a trademark of The Warren Group Inc. No part of this publication may be reproduced in any form or by any means, electronic or mechanical, including photocopying, recording, or by any information storage and retrieval system, without written permission from the publisher. Advertising, editorial and production inquiries should be directed to: The Warren Group, The Warren Group 2 Corporation Way, Suite 250, Peabody, Massachusetts 01960. Call 800-356-8805.

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CBA Calendar.............................................................. 11 Bankers in the News .................................................... 14 Associate Members in the News .................................. 15 Banks in the News........................................................ 17 3

Connecticut Banking Magazine • Second Quarter 2019

Increasing Fee Income Without Raising Fees

By Sean Payant, Chief Consulting Officer, Haberfeld

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ver the last 10 years the banking industry has seen a steady decline in fee income associated with checking accounts – community banks under $10B have seen a 32% decline and banks over $10B have seen a 45% decline in fee income when compared to a 2008 baseline. Many institutions are raising fees.

Should you?

One option: start adding minimum balances in order to get additional income from your current customers. Following the lead of big institutions, some community banks have tried to make up fee income by instituting additional account fees with disappointing results.

This is not isolated to the banking industry; other retailers and business have tried this approach.

Case in point, several years ago, Starbucks ran a test where they required a minimum purchase in the drive-thru to encourage those wanting a $1.85 cup of coffee to come into the store. As you can imagine, the pilot-test ended abruptly – less than a

month later. What Starbucks really knows is when customers come into the store they will spend more; however, creating a minimum purchase requirement was not the solution, it upset customers and hurt their image in those markets.

As community bankers, we need to look through the lens of the prospective customer. One of the primary reasons consumers switch banking providers is to eliminate monthly checking account service charges. The majority of consumers still do not want to pay for a checking account. Price matters.

In 2010 prior to the implementation of the Dodd-Frank changes related to retail debit cards and overdrafts services, an extremely profitable-midsize bank in the northwest decided to implement a $9 per month service fee on checking accounts.

Their fee income dropped dramatically and attrition went up substantially. In a public statement, the CEO ultimately stated the bank made a mistake; however, much of the damage was already done. If monthly 4

service charges aren’t the answer, then what is?

UNDERSTAND CAPACITY Understanding capacity is one of the biggest challenges in the banking industry. Banks have very high fixed costs and very low marginal costs. Each branch is an expensive “factory” that is running at 15%40% capacity, 50% if you’re lucky. The typical community institution averages 1,0001,200 core relationships per branch. The big banks average 3,000-5,000 per branch. If you have factories running at 30% capacity, your primary objective should be to fill the excess capacity by serving more customers.

Client data shows marginal expenses (core processor, account servicing, etc.) for the next core customer are approximately $30-$50 per year; however, each new core customer generates approximately $300$500 in revenue each year. Excess capacity allows us to look at the each new customer as a marginal investment who can spin off multiples in revenue.

Second Quarter 2019 • Connecticut Banking Magazine

While not all customers drive the same level of fee income, it is important to create and grow primary financial institute (PFI) relationships. After analyzing millions of core banking relationships, over many years – the data shows for 73% of customers the checking account is the foundation of the relationship, creating opportunities to provide additional products and services.

UNDERSTAND RISK - REMOVE INEFFECTIVE FILTERS Most financial institutions use some type of screening service during the account opening process. Banks need to understand these services only report negative information, which is rarely updated.

Client data consistently shows these systems are not doing what banks think they are doing – reducing fraud. They are, in fact, reducing opportunities to grow fee income by turning away customers who value overdraft services.

What other filters are you using? Do you require a spouse to be present to open

a checking account? If your organization does, you need a better process for adding joint signers after account opening. Credit scoring? Stop it. There is no viable reason to evaluate a credit score prior to opening a checking account. How many forms of ID do you require to establish a relationship? One government issued, unexpired ID should be sufficient as long as consumers can provide their Social Security number (not their Social Security card), physical address (does not need to match the address on the ID) and date of birth. Are you in compliance or well beyond? Think through why your bank is saying no today and develop strategies to say yes more frequently.

REVIEW OD/NSF SERVICES POLICIES Provide everyone with up to $100 of overdraft credit at account opening. People who value this service will not wait 30- or 60-days to utilize it. Be there when your new customer needs you.

We analyzed the subsection of new customers who had an overdraft in the first

30 days. We found over a seven-month period banks were seeing a 51% closure of accounts where the bank required a 30-day waiting period. We then looked at banks that paid overdrafts early within the first 30 days. There was only a 36% attrition rate, meaning 64% of the new customers were still active and 79% of them continued to utilize overdraft services.

Banking is a business of high fixed costs with low marginal costs for the next customer and high additional revenues. Nearly every bank has tremendous capacity. In addition, client data continues to show more accounts equals more profitability and opportunity. The focus should be on growing core customers and making sound decisions in the process. u Sean C. Payant, Ph.D., - is Chief Consulting Officer at Haberfeld Holdings, a datadriven consulting firm specializing in core relationships and profitability growth for community-based financial institutions.

Sean can be reached at 402.323-3614 or Sean@haberfeld.com.

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Connecticut Banking Magazine • Second Quarter 2019

Connecticut Bankers Advocate in Washington D.C.

T

wenty-one Connecticut Bankers Association bankers traveled to Washington DC on April 1-2 for the ABA’s Annual Government Relations Summit. Joining a total of 1,300 bankers from around the country, they were provided with important information about key proposals the industry is working on to move through the House and Senate. There was no shortage of these concepts including the SAFE cannabis banking bill, developing a national framework for data security and protection, the modernization of BSA/AML, reintroducing the tailored bank regulation proposal, and studying/delaying the consequences of CECL. Attendees also heard from the Chair of the House Financial Services Committee Maxine Waters and nationally recognized political commentators.

CBA bankers broke into groups based on congressional districts and fanned out across the nation’s capital, visiting each of Connecticut’s House members and both offices of our US Senators. Key messages were delivered on industry proposals during those meetings, signaling the beginning of the new 116th Congress and the hope that our industry can successfully continue its efforts to ease regulatory burden, increase profitability, and level the playing field to compete and expand. u 6

Second Quarter 2019 • Connecticut Banking Magazine

Lindsey Pinkham To Retire As President & CEO Of Connecticut Bankers Association

L

indsey Pinkham, President and CEO of the Connecticut Bankers Association (CBA) for the past seven years is retiring in mid-June. Lindsey has been with the CBA for over 37 years, having joined the then Savings Banks Association in November 1981. Over that time, he steadily rose through the ranks from the entry level position of AdLindsey Pinkham ministrative Assistant to the top job of President & CEO. Thomas Mongellow, who has served as Executive Vice President and Treasurer of the CBA for the entirety of Lindsey’s term as President, will assume the President & CEO role immediately upon Pinkham’s retirement.

Mr. Mongellow has been with the CBA for over 32 years.

Thomas S. Mongellow The CBA’s Executive Committee Chairman Stephen Lewis, who also serves as President and CEO of Thomaston Savings Bank, said “Lindsey’s contributions to our association over his career have been immeasurable, and we cannot thank him enough for his leadership, talent and foresight, all of which have greatly enhanced the state’s banking industry. While we are sorry to see him go, we wish him the very best in his wellearned retirement. We also know that the CBA will remain in the highly capable hands of Tom Mongellow, who will lead a seamless transition and continue with the same level of strategic vision

that Lindsey has always brought to the organization”.

Commenting on his tenure with the CBA Lindsey said “It has been an honor over the past seven years to lead this professional association. We have seen impressive growth and advancements in community and regional banking during that time, and my decision to retire comes at a time when our member banks are as strong as ever. I am always proud to point out that our member banks are the economic drivers of Connecticut’s economy. I want to thank Chairman Lewis and the Executive Committee for their stewardship of our association and my CBA teammates for their steady support these many years. I’m also delighted to see my long-time colleague Tom Mongellow take over the reins.”

Mr. Mongellow said, “I’m humbled to be selected to succeed my good friend Lindsey at the helm of the Connecticut Bankers Association, and excited to continue his legacy of excellence for our industry. Connecticut’s entire banking community owes Lindsey a debt of gratitude for his tireless work on their behalf.”

The Connecticut Bankers Association is recognized as the premier advocacy organization for financial institutions in Connecticut, supporting and promoting legislative and regulatory actions in Connecticut and Washington, DC. The CBA also operates the industry’s hallmark talent development program, the Connecticut School of Finance & Management as well as many educational programs designed for its member banks. Through its activities, the CBA facilitates the essential interchange of information and ideas among members and the communities they serve. u

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Connecticut Banking Magazine • Second Quarter 2019

2019: The Year to Get Out of Cybersecurity Ostrich Mode

By Carl Cadregari, CISA, CCSFP, Executive Vice President at The Bonadio Group

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his is the year to get all the security ostriches’ and data loss non-believers’ thoughts out of the sand and become proactive. Too many organizations have their heads in the sand leaving their other vital parts exposed. It’s clear that we should all address the concerns surrounding these facts: • Cyber attackers are focused on the data of small to medium-sized businesses.

Fraud attacks will become more coordinated and disruptive, and businesses need to proactively safeguard their data.

• Major multi-million dollar fines for healthcare organizations from HIPAA breach audits will continue.

• There was a time when having an Apple computer may have helped to protect you. Not anymore.

• Social networking sites remain a significant threat to data security.

• IoT devices are the new gateway for hackers and for lateral movement of malicious code.

• There’s no end in sight for lost or stolen unencrypted laptops, USB drives, cellphones, and other portable devices.

• The needed education for the user community and key individuals tasked with protecting assets will require additional budget and continuing professional education.

• The proliferation of cybersecurity laws and regulations is not stopping.

WHAT TO DO NOW While any information security process improvement—including enhanced and auditable security controls, such as true penetration testing and social engineering attacks, proactive protection and

automated event monitoring—are advisable, and required by many laws, there are 10 key areas that you may want to focus on first, including: 1. RISK ASSESSMENTS. Accurate, thorough and repeatable assessments are required to meet HIPAA and many other data security laws.

Don’t shortchange or underestimate your risks by limiting your assessment scope. Currently, an effective risk assessment and risk management program is one of the key OCR Deskside Audits requirements. It is also one of the top five reasons auditees fail an investigation or have had a data breach.

Focus on performing a risk assessment over a period of time, not just a point in time. It will give you an evidence-based picture of how well your controls are operating for the periods assessed.

2. DATA ENCRYPTION. Effective, enterprise-wide data encryption wherever your data is stored, transmitted (i.e. email), accessible or located on portable (laptops, thumb drives, cell phones, backup tapes, etc.) devices is a requirement and traditionally has a highly significant return on your protection investment.

3. USER ACCESS CONTROL AND REGULAR ACCESS RECERTIFICATION. Your users are your single greatest data strength if adequately trained and audited, and your largest weakness if they are not. Use a process of 8

least rights; i.e. the person accessing the data should only be able to interact with the data required to complete their documented job description. No more, no less. Don’t forget to include the personnel with enhanced access, those with superuser, domain, or administrator levels of access, as they hold all the keys to your data. As people move and change jobs within an organization, it is critical to re-certify all users’ access on an ongoing basis.

4. VENDOR AUDITS. OCR stated in May 2016 that the Business Associate (BA) Agreement may not be the only HIPAA compliance assurance required. It is advisable, with the ever-growing and enhanced use of outsourced services, Cloud vendors, managed security providers, and third parties who somehow interact with your protected data, that you, as part of your risk assessment, fully document the need for those additional assurances, then gather the needed data to assure their compliance with the laws and regulations that affect you. This is critical as your vendors are normally seen as your second-largest risk area for data loss.

5.

OPENDNS, “UMBRELLA” AGENTS AND OTHER TOOLS. It’s time to start exploring these types of advanced services to protect you from malicious access to data, your users from phishing, pharming, malware and continued on next page

Second Quarter 2019 • Connecticut Banking Magazine

other threats, even when not connected to your local network.

6. WHITELISTING. This is the process of identifying and allowing only those sites and internet addresses approved by the organization, which are legitimately required to send or receive data from your organization or communicate with your company personnel.

7.

DATA EXFILTRATION TESTING. Many companies do a great job blocking access and data transfers from the outside, but few test and block data being sent from the internal network to the internet. Knowing and limiting what data leaves your company and in what volume, is just as important as blocking malicious incoming data.

8.

SECURITY AWARENESS TRAINING. Don’t scrimp here, perform and test your training—at hire, at least

annually, and in response to any impermissible disclosure, security incident or data breach. Testing your training can be accomplished with social engineering attacks such as phishing campaigns or other attempts at gaining data or access, such as riding the coattails of an employee to gain access to a controlled area.

9. ADVANCED PENETRATION (AKA “HACKING”) TESTING. Find out what the bad guys can actually get to. Penetration testing is NOT a vulnerability assessment. They are two different processes. Vulnerability assessments report on identified or suspected weaknesses in your technological environment, whereas a penetration test takes those vulnerabilities and adds actions required to see if the vulnerability can be exploited to bypass your protection processes and technologies.

10. REPEAT ALL OF THE ABOVE. Implementing effective information security is not a one-time process or action. Summarily, the testing, assessments and process improvements needed are not solely the responsibility of your IT department. Technical, administrative, and physical risks must be measured and taken into account across the enterprise.

You cannot protect yourself from an unknown or unmeasured risk. Ignoring the needed actions will only accelerate your chances of exposing your organization to a data loss, disclosure or breach. u Carl Cadregari is a Certified Information Systems Auditor (CISA), Certified HITRUST CSF Assessor (CCSFP) and is in the process of completing the Shared Assessments Certified Third Party Risk Professional (CTPRP) Program and is an executive vice president in the Enterprise Risk Management Team at Bonadio.

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Connecticut Banking Magazine • Second Quarter 2019

2021Connecticut School of Finance & Management Application & Information

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he Connecticut School of Finance & Management (CSFM) is a proven management development staple within many Connecticut banks, and a critical tool in shaping future leadership teams. This two-year program, instructed at the undergraduate level, has a curriculum designed to provide an opportunity for junior bank management personnel to obtain a more comprehensive knowledge of the financial services industry. Class work includes banking theory, practices and procedures, capital markets and management functions, all of which will be of substantial value in the student’s preparation for greater responsibilities at the management level.

The program is designed to increase the knowledge of the students in their own specialties and, at the same time, introduce them to a wide range of banking topics. CSFM instructors are experts on their respective topics and, thanks to their energy, expertise and professionalism, they offer an unparalleled commitment to creating a program that has become a destination and a rite of passage for our industry’s brightest future leaders. Upon completion, students will have developed a broader perspective of the industry, a more enlightened view of their own bank and most importantly, a greater awareness of their individual capabilities.

The syllabus and application for the CSFM Class of 2021 is currently available on the CBA website at www.ctbank.com/ CSFM/Application.aspx. The application, which includes course descriptions, class schedules, fees associated with attendance, and much more - is due by Friday, June 14, 2019. Get your applications in now, as space is limited and spots fill quickly!

For more information and to learn how you or one of your fellow bankers can become a part of the CSFM experience, please visit the CBA website at www.ctbank.com or contact Kim Tuttle at ktuttle@ctbank.com. u

I cannot say enough good things about this program, I think you do a fantastic job of giving students a "big picture"' perspective of banking and I left feeling like I had a more well-rounded knowledge of the industry and my role in my bank.

– Melissa Waite, Jewett City Savings Bank, CSFM Class of 2018

Through the two years at CSFM I met a lot of people and made connections that I will keep throughout my career.

– John Rice, United Bank, CSFM Class of 2017

The entire session/program was excellent - well organized and great example on a different scale of the inner workings of bank and decisions that are made.

– Jennifer DeLucia, Chelsea Groton Bank, CSFM Class of 2016

This was a great help to my current position as well as future career path. It increased my understanding of the underlying strategic plans of the bank.

– James McLoughlin, First Niagara Bank, CSFM Class of 2016

The whole program was amazing.

– Michelle Wollack, Essex Savings Bank, CSFM Class of 2016 10

Second Quarter 2019 • Connecticut Banking Magazine

Future Bankers Program

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collaborative effort between the Center for Financial Training (CFT), area public schools and local banks including ION Bank, Savings Bank of Danbury and Thomaston Savings Bank, in conjunction with the Northwest Regional Workforce Investment Board’s (NRWIB) Future Bankers Program is motivating and tapping into the talent of high-achieving students, providing them a clear and promising career path in the banking industry.

The pilot program began in October 2018 and is currently underway at Crosby High School in Waterbury, CT. There are twelve students presently enrolled in the program which meets twice per week after school. The students have recently completed their first online course, Principles of Banking, and will receive three ACEaccredited, transferable college credits.

In the second portion of the program the students participated in the online course known as Practell: Teller Training. The third and final piece of the online program is the OnCourse Learning Catalog which has been specifically customized for the students by CFT.

Upon completion of their online courses, the students participated in a job shadow experience during the April break week at either Ion Bank, Savings Bank of Danbury or Thomaston Savings Bank, beginning with a field trip to COCC. Shadowing will include a variety of jobs available within banking and students will be invited to step outside the classroom to experience the role of professionals within the financial field. For many, this will be their first experience requiring accountability and professionalism and it is this hands-on, pragmatic approach which will provide the real-life skills needed in a competitive, global market.

The Connecticut Bankers Association (CBA) is proud to support the collaborative effort between NRWIB with CFT, ION Bank, Savings Bank of Danbury and Thomaston Savings Bank to make this program a reality. Recruitment for the next cohort will soon be underway and financial institutions interested in learning more about becoming a partner should contact Kim Tuttle, Director of Education at the CBA at ktuttle@ctbank.com or Cathy Awwad, NRWIB Executive Director at 203-574-6971 ext. 426 or via email catherine.awwad@nrwib.org. u

Upcoming CBA Calendar JUNE

13 UPOA Seminar 20 2019 CT Legislative Update Seminar

AUGUST 26

CBA Annual Golf Tournament

SEPTEMBER 9-10 11

CSFM Resident Session Director’s College

1

FDIC Outreach

JANUARY 2020

OCTOBER 1 16

NOVEMBER

ALM Seminar Bank Security Seminar

11

16 17

New Leaders In Banking Awards BankWorld 2020

Connecticut Banking Magazine • Second Quarter 2019

Congratulations to the Class of 2019!

C O N G R AT U L AT I O N S T O T H E S E

Connecticut School of Finance & Management

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he Connecticut Bankers Association is proud to announce that 65 students in the Connecticut School of Finance & Management’s Class of 2019 graduated on April 10, 2019 as the largest graduating class in program history!

Congratulations to all the graduates and to Petra-Ann Brown of the CT Department of Banking, who was awarded the John C. Shortell Award for Academic Excellence, which is presented to the student who achieved the highest academic grade while attending the CSFM two-year program.

The Connecticut School of Finance & Management (CSFM) is the premiere management training program offered by the CBA and has long proven to be a staple within many of the banks in Connecticut and surrounding states, as a critical tool in helping to shape their leadership team of the future.

CSFM students from New York, Massachusetts and all across Connecticut traveled to the Trumbull Marriott in Connecticut to participate in the multi-day BankSim, a simulation that allows them to practice the multitude of concepts developed during the preceding two years at the school in a fun and competitive atmosphere and brings their CSFM studies to a close. This resident program culminates with the CSFM graduation ceremony.

The syllabus and application for the CSFM Class of 2021 is currently available on the CBA website at www.ctbank.com/CSFM/Application.aspx. The application which includes course descriptions, class schedules, fees associated with attendance, and much more - is due by Friday, June 14, 2019. Get your applications in now, as space is limited and spots fill quickly!

u

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ACBB Brittany Blythe Chelsea Groton Bank Barbara Curto Sara Lundy Marielle Winkelman Collinsville Savings Bank Shane Walker CT Department of Banking Petra-Ann Brown* Joseph Wallace Dime Bank Amber McClurg Michael Wren

Essex Savings Bank Elizabeth Kuhns* Gregory Pilney Fairfield County Bank Karen DaukHonors Sean Hargraves Luis Lucero Walter Romero First County Bank Maria Bivona Duncan Lee

Second Quarter 2019 • Connecticut Banking Magazine

C S F M C L A S S O F 2 0 1 9 G R A D U AT E S : Guilford Savings Bank Kristopher Cricchi Abigail Patrizio* Randy Sonzoni* Ion Bank Kendra Shade Hoyt Nancy Matos Jane Pinho Key Bank Monthira Phothisaeng Liberty Bank Ashley Aiello Nicole Castelli Laura Kuskey Katharine Washburn Timiki White

Northwest Community Bank Pamela Dean People’s United Bank Sebastian Liseo Angela Presta Michael Riina Silveras Sboui Benish Shah Stephanie Wild-Lynes Peoples Bank Timothy Wegiel

TD Bank, N.A. Brian Balzano Jordan Dennis Brandi Flamengo Katie Merriam Thomaston Savings Bank Amanda Burch Charles McCormick Torrington Savings Bank Michael Sweeney Union Savings Bank Jennifer Molony

Salisbury Bank Jean Stapf Savings Bank of Danbury DoriAnn Youngberg

Litchfield Bancorp Laura Berendsohn Casey Smith

Simsbury Bank Joseph Beale Jennifer Onion

Milford Bank John Bailly Rebecca Tudor

Stafford Savings Bank Roland Chirico Jaime Miller

Newtown Savings Bank Gregory Busch Katie Smith

United Bank Joseph Brigandi Kimberly Deome Serge Njeim Brendan Theroux Webster Bank, N.A. Amy Gendreau Windsor Federal Savings & Loan Janet Schmidt* Joanna Gould Andrew White * Denotes Honors recipient

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Connecticut Banking Magazine • Second Quarter 2019

Trish Fontes

Robert Mallozzi

Barry Citrin

Scott Messina

Jayne Goncalves

Maria Genier

Sarah Duval

Kristin Zummo

Alex Masse

Mario Siciliano

Penni Harlow

Kelly Meakem

Ana Healy

Bill Mundell

Guisy Beaman

Nancy Murphy

Kelly Hoadley

June Holaday

Susan Bailey

Joseph Castelli

Michael Bartolotta

Aya Beckles Swsanson

James Parker

Diane Arnold

Ralph DePanfilis

Lynne Byington

Michelle Dziubina

David Carswell

Kristen Conlon

Kathy Duncan

Brian Toman

Loriann Mancuso

Patrick Murphy

Norbert Deslauriers

William Patterson

James Gannuscio

Randy Sonzoni

Michael DeBlieux

Brett Eagelson

Victoria Magin

Bryan Mierzejewski

Ryan Todd

Alexander Sulpasso

Heidi Samuelson

Jessica Boardman

Elizabeth Sheridan

Brendan Goodrich

Scott Blois

Angelo Piccolo

Michelle Smith

Bankwell Trish Fontes was named senior vice president, director of treasury management sales. Robert Mallozzi was named to the Board of Directors of the Western Connecticut Economic Development District. Barry Citrin was promoted to senior vice president, director of portfolio management. Scott Messina was promoted to senior vice president, chief information officer. Jayne Goncalves joined as vice president, treasury management sales officer.

Chelsea Groton Bank Maria Genier joined as AT, deposit operations manager. Sarah Duval joined as assistant vice president, product and project manager. Kristin Zummo joined as assistant vice president, learning & development manager. Alex Masse was named operations

and business banking manager. Mario Siciliano was promoted to assistant secretary. Rebecca Magner was promoted to assistant secretary. Penni Harlow was promoted to assistant vice president. Kelly Meakem was promoted to business banking operations manager and assistant treasurer.

Ana Healy was promoted to assistant treasurer. Bill Mundell was promoted to technology operations manager and vice president in the operations department.

Guisy Beaman was promoted to assistant treasurer, branch operations manager.

Reagan Nichols was promoted to assistant vice president, customer solutions manager.

Nancy Murphy was promoted to assistant vice president, data manager specialist.

Kelly Hoadley was promoted to assistant vice president, portfolio administrator.

June Holaday was promoted to assistant secretary. Susan Bailey was promoted to 14

assistant vice president for the retail lending department.

Eastern Connecticut Savings Bank Joseph Castelli was hired as vice president, residential lending. Michael Bartolotta was promoted to senior vice president, chief information officer and Tim Dyl was promoted to senior vice president, chief financal officer.

Essex Savings Bank Aya Beckles Swanson delivered several talks on Small Access to Capital at the Women's Business Development Council's lectures and at Gateway College. Sean Rotemund was named a new board director. Anne Edglely, Marissa Guillen and Jeffrey Nelson were named as new trustees. James Parker joined as vice president and trust officer.

Diane Arnold was named a director to the

Second Quarter 2019 • Connecticut Banking Magazine

Bob Mezzo

Cherilyn Spatola

Jeff Hubbard

David Glidden

William McDougall

Alisa Feliberty

Marc Scanapieco

Laura Bertekap

Lina Curtin

Kathy Doucette

Mark Vickery

Lori Grillo

Pamela Hippolyte

Lou D'Amico

Kari Jonikas

Douglas Hensal

Maria Elena DaddiGreene

Holly Dudley

Nadine Paine

Brian Fonk

Board of the Estuary Council of Seniors.

Tony Russo and Dave Delfino were selected to participate in Barron's Independent Summit.

Fairfield County Bank Ralph DePanfilis was appointed the new chairman of the board. Lynne Byington was recognized by The Exchange Club of Norwalk as a Pillar of Public Service.

Guilford Savings Bank Michelle Dziubina joined as retail sales and innovation analyst. David Carswell was promoted to assistant vice president, branch manager. Kristen Conlon was promoted to assistant vice president, marketing manager.

Kathy Duncan was promoted to assistant vice president, reverse mortgage specialist.

Brian Toman was promoted to assistant vice president, training and development manager. Loriann Mancuso joined as a branch manager. Patrick Murphy was promoted to assistant vice president, digital banking manager. Norbert Deslauriers joined as vice president, retail lending manager. William Patterson joined the wealth management team as vice president.

Gay Butler was promoted to assistant vice president, senior credit analyst. James Gannuscio was promoted to vice president, compliance officer. Randy Sonzoni was promoted to assistant vice president, human resources supervisor. Michael DeBlieux was promoted to vice president, loan operations manager. Brett Eagelson was promoted to vice president, commercial loan officer. Victoria Magin was promoted to assistant vice president, facilities and vendor management. Bryan Mierzejewski was promoted to vice president, network and security manager. Ryan Todd was promoted to vice president, information security officer. Alexander Sulpasso was promoted

to vice president, operations manager. Heidi Samuelson was promoted to vice president, market manager. Jessica Boardman was promoted to assistant vice president, finance manager.

Ion Bank Elizabeth Sheridan was hired as vice president, business relationship officer Brendan Goodrich joined as vice president, branch manager. Scott Blois joined as senior vice president, commercial lending.

Angelo Piccolo was hired as assistant vice president and an investment executive of Infinex Investments. Michelle Smith joined as assistant vice president, branch manager.

Bob Mezzo was promoted to assistant vice president, commercial lending. Cherilyn Spatola joined as vice president, branch manager.

KeyBank Jeff Hubbard was recognized at the 16th Annual ACES Education Foundation Gala.

Liberty Bank David Glidden was named president and chief executive officer. William McDougall was named vice president, business banking.

Alisa Feliberty was promoted to vice president, customer service center manager.

Marc Scanapieco was named vice president, business banking. Laura Bertekap was named senior vice president, general auditor.

Lina Curtin was promoted to senior vice president, comptroller. Kathy Doucette was promoted to senior vice president, treasurer. Denise Brewer was named as a member of the Middlesex United Way's Board of Directors. Mark Vickery was named first vice president, small business loan center manager. Lori Grillo was named internet inside sales loan originator. Pamela Hippolyte was named affordable lending originator. Lou D'Amico's photograph was selected for the 2019 NEACH calendar and will be prepresenting Liberty Bank in August.Kari Jonikas was promoted to continued on next page

ASSOCIATE MEMBERS COCC was selected by Millbury National Bank as its new partner for core banking services. COCC was selected by Ledyard National Bank as their new core provider based on the company's state-of-the-art system, extensive products and services, and trusted reputation. Alex Campbell, AVP Client Services, was recognized by the Scribe's Institute in Hartford for his outstanding service and dedication to children's education and advocacy. Jamie Perry was honored as one of 11 winners at the 15th Annual Women of Innovation Awards presented by the Connecticut Technology Council.

PWCampbell announced expansion of its physical space to their Retail Branding

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Brandon Reynolds

The Barbara Bush Children's Hospital

Division. Brandon Reynolds joined the newly relocated Huntington Valley office and warehouse enabling them to more than double their capacity for the rapid business growth.

Smith & Wilkinson presented a check for $12,500 to The Barbara Bush Children's Hospital as well as philanthropic organizations throughout Connecticut. u

Connecticut Banking Magazine • Second Quarter 2019

Kathleen Gugliotti

Timothy Chamberlin

Jacob Rosenstein

Darrel Long

Amy Raymond

Shelly Humeston

Doug Cahill

Aidan Gilligan

Amanda Goewey

Elizabeth Summerville

Mario Martioano

Paula Woodhouse

Caroline Corbett

Patricia Tomlinson

Jason Alldredge

Rebekah Stokes

Whitney Cadett

Alan Saxena

Neyda Rosado

Sorangel Ynfante

Cindy Merkle

senior vice president, small business loan center manager.

Newtown Savings Bank Douglas Hensal was promoted to first vice president, co-head retail banking sales.

Maria Elena Daddi-Greene was promoted to assistant treasurer, loan project manager.

Holly Dudley was promoted to assistant vice president, compliance officer. Nadine Paine was promoted to assistant treasurer, financial advisor. Brian Fonk was promoted to first vice president co-head retail banking operations. Kathleen Gugliotti was promoted to senior vice president, marketing director.

Timothy Chamberlin was promoted to assistant treasurer, senior credit analyst.

Michele Bonvicini

Teri Szlosek

manager. Charlene Fitzgerald joined as vice president, customer support and electronic services manager. Elizabeth Summerville was named executive vice president, chief retail and loan operations officer.

Savings Bank of Danbury Mario Martioano joined as mortgage loan officer. Paula Woodhouse joined as vice president, commercial lending. Caroline Corbett joined as vice president, human resources.

Thomaston Savings Bank Patricia Tomlinson joined as vice president, senior commercial lending officer. Jason Alldredge originated the most loans in Litchfield County in 2018 and of the 92 Northwest Community Bank loans, 67 were purchases. Rebekah Stokes Jacob Rosenstein joined as a mortgage loan was named senior vice president, chief officer. financial officer. Whitney Cadett was named Young Professional of the Year.

Salisbury Bank & Trust Company Darrel Long was recognized with the Torrington Savings Bank "Employee of the Year" award. Amy Kim Hanson was promoted to senior Raymond was named executive vice branch officer. Alan Saxena was hired as president, chief retail banking officer, chief risk officer and senior vice president.

CRA officer. Shelly Humeston received Katharine Briggs was promoted to assistant the 2018 President's Award. Doug Cahill vice president and senior branch officer. was recognized as "Volunteer of the Year".

Michael Sweeney was promoted to assistant Aidan Gilligan was recognized as "Rookie vice president, commercial lending. Nathan of the Year"and was named commercial Browning was promoted to vice president, lender. Amanda Goewey was promoted to information technology. Steve Temkin was vice president, Berkshire regional branch appointed to the board of trustees. Mark 16

Thomas Cebula

Charlene Fitzgerald

Steve Temkin

Catherine Turowsky

Perbeck was promoted to vice president and security officer.

Union Savings Bank Neyda Rosado and Sorangel Ynfante donated their time and talent to The Volunteer Income Tax Assistance program. Michele Bonvicini visited The Nutmeg Conservatory for the Arts. Cindy Merkle welcomed the 2019 Class of Leadership Danbury as a commitment to preparing future community leaders for positions of responsibility.

Announced the appointment of the following new Corporators: Sheila Anne Denton, Tom Hinman, Heather Katz and Anthony Rizzo.

Webster Bank, N.A. Raymond Beloin, Sandra Cerqueira, Kevin Fretz, Jason Giordano, Kathleen Hanson, Anthony Marciano, Kusum Ramchandani, Kevin Sullivan, Carol Tartaglia, James Collins, Christopher Cymbala, Eli Meyer, Dawn Rosa, Danielle House, Brent Silano and Brian Davis earned Five Star wealth manager designations.

Westfield Bank Teri Szlosek was promoted to assistant vice president, corporate secretary. Thomas Cebula was promoted to senior vice president, team leader of small business lending. Catherine Turowsky joined as vice president, business and government deposit services sales officer. u

Second Quarter 2019 • Connecticut Banking Magazine

Bank of America sponsored the MetroHartford Alliance's State of the City Breakfast.

Bank of America celetrated the newly renovated Park Street Financial Center in Hartford.

Chelsea Groton Bank earned BauerFinancial's 5-Star rating for 100 consecutive quarters and has the designation "Best of Bauer Bank".

First County Bank representatives from retail and business banking attended the Annual Community Association Institute of Connecticut Conference.

Eastern Connecticut Savings Bank announced the opening of their new mortgage center in Guilford.

First County Bank volunteers were on hand throughout the 2-day event to greet visitors with teal giveaways and hand out the signature First County Bank popcorn.

Essex Savings Bank announced the allocation of $132,000 for its 2019 Community Investment Program to support 72 local nonprofit organizations.

Bank of America volunteers sorted and packed produce for Foodshare. In 2018, 135 Bank of America employees volunteered a total of 529 hours with Foodshare.

Bank of America recognized the accomplishments of top leaders and volunteers in the Greater Hartford market at their annual Recognition Celebration.

Chelsea Groton Bank hosted the 13th annual Money Madness Seminar for over 250 local high school students.

Fairfield County Bank donated $5,000 to SCORE of Western Connecticut and participated in a new series of workshops to the Library's Skillsbox program.

First County Bank was honored by The Business Council of Fairfield County in their 2019 Healthy Workplace Employer Recognition Program as a Gold category employer.

First County Bank sponsored Fairfield County Commercial Brokers Network Business Meeting.

First County Bank sponsored the Teen Chef Challenge at the Maple Sugar Festival Weekend held at the Stamford Museum & Nature Center.

First County Bank announced the winners of the First Prize $avings account $1,000 drawing.

Guilford Savings Bank employees raised $375 to benefit the American Heart Association while the Bank matched the donation contributing a total of $750 to cardiovascular research and education.

continued on next page 17

Connecticut Banking Magazine • Second Quarter 2019

Guilford Savings Bank was named the 2018 Business of the year by the Old Saybrook Chamber of Commerce

Liberty Bank employees taught a basic banking class to 36 college freshman at a nearby nonprofit called Higher Edge.

Liberty Bank employees collected over 2,200 items for Save-A-Suit since January.

The Ion Bank Foundation donated $10,250 to the Naugatuck Economic Development Corporation.

Liberty Bank's Quaker Hill Branch hosted two very successful collection drives, one for their local Rotary Club and one for the Department for Children and Families.

Liberty Bank presented a check for $1,300 to Douglas Fuchs of Fidelco Guide Dogs.

The Ion Bank Foundation awarded a $7,500 grant to Hidden Acres Therapeutic Riding Center.

Liberty Bank presented a $5,000 check to Connecticut Coalition to End Homelessness.

Liberty Bank employees conducted "Money Smart for Older Adults", a Liberty Bank Lunch and Learn for the Stonington Housing Authority.

Liberty Bankers joined together at the Wallingford's Credit for Life Fair aimed at helping high schoolers learn about smarter ways to save and how to develop realistic spending habits.

Liberty Bank presented a $4,950 check to the Hal Kaplan Middletown Mentor Program from the Liberty Bank Foundation.

Ion Bank celebrated the ribbon cutting for its new Farmington branch.

KeyBank hosted a Key4Women networking event at the UCONN Women's basketball game for female business owners.

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continued on next page

Second Quarter 2019 • Connecticut Banking Magazine

Litchfield Bancorp continued their ongoing series of local Cash Mob events at Devine Hair Company in New Preston.

Salisbury Bank & Trust completed another successful "Fill-the-Basket" food drive to benefit local food pantries.

Liberty Bank's Technology and Deposit Operations teams hosted a Job Shadow Day for students from Middletown's Vinal Technical High School.

Salisbury Bank & Trust announced its 2019 Community Days including Community Shred Days and a Food Drive during the months of June through August.

Savings Bank of Danbury employees spent time at the Women's Center of Greater Danbury making puppets to promote safe touch to children.

Liberty Bank employees participated in the St. Patrick's day Parade in New London.

Savings Bank of Danbury employees and directors supported the 2018 Chamber Luncheon.

Savings Bank of Danbury and their families participated in a successful Junior Achievement Bowl A Thon.

Liberty Bank presented a $1,492.64 check to Middlesex Hospice & Palliative Care Annual Golf Benefit.

Savings Bank of Danbury's North Main Street Waterbury office collected winter wear and coats for the Waterbury Youth Services.

Liberty Bank was named one of the 2019 "World's Best Banks" by Forbes, ranking 4th in the United States.

Liberty Bank and SBT Bancorp jointly announced they have entered into a definitive agreement for the merger of SBT Bancorp, Inc. and its subsidiary, The Simsbury Bank & Trust Company, with and into Liberty Bank.

Litchfield Bancorp was honored as one of the 18 community banks and credit unions throughout New England as a Community Hero by American Business Media.

Savings Bank of Danbury sponsored the Halas Farm Market Juvenile Diabetes Research Foundation PaintA-Pumpkin event.

Savings Bank of Danbury employees held the Daily Bread Food Pantry with their Thanksgiving Food Distribution program.

Savings Bank of Danbury teamed up with Family and Children's Aid to help a family in need with an SUV load of gifts for the agency.

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Savings Bank of Danbury participated in the Northern Fairfield County Association of Realtors 23rd Annual Expo.

continued on next page

Connecticut Banking Magazine • Second Quarter 2019

Savings Bank of Danbury received The Award for Preservation Excellence from the Danbury Museum & Historical Society at their annual Hat City Ball.

Savings Bank of Danbury hosted two foundation receptions and distributed $190,075 to 73 non-profit agencies in the community.

Savings Bank of Danbury employees assisted with the Connecticut Food Bank Mobile Food Pantry in Bethel.

Savings Bank of Danbury suppored the American Heart Association with their Go Red for Women campaign.

Savings Bank of Danbury employees gave "financial health checkups" at the Best of Brookfield event.

Savings Bank of Danbury employee made 64 Thanskgiving Fruit Baskets for the Salvation Army in Danbury.

Savings Bank of Danbury hosted two successful First Time Home Buyers seminars.

Savings Bank of Danbury employees and guests attended the 25th Anniversary Gala for the Latino Scholarship Fund.

Savings Bank of Danbury representatives attended the Saint Mary's Hospital Foundation Gala.

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Savings Bank of Danbury donated a car to someone in need.

Savings Bank of Danbury's Great Place to Work Committee participated in Operation Cupid Valentine Gift Boxes for troops serving the US overseas.

continued on next page

Second Quarter 2019 • Connecticut Banking Magazine

Thomaston Savings Bank is expanding their branch network to Farmington in late summer/early fall.

Simsbury Bank was named as Best Bank/Financial Institution in West Hartford by visitors to West Hartford Media's we-com site.

Thomaston Savings Bank Foundation established a new giving campaign, Act of Impact Employee Giving Grants allowing employees to give back distributing $30,000 in Foundation grants.

Thomaston Savings Bank participated in Future Bankers Program signing day where students signed on for an apprenticeship with participating banks.

Simsbury Bank was a $1,100 "Swarm Sponsor" of the Granby Education Foundation's 16th annual Gran-Bee event and also paricipated in a trivia team.

Start Community Bank was a Rock Fans Sponsor of New Haven Ecology Project's Rock to Rock Earth Day Ride.

Thomaston Savings Bank received the Community Bank Heroes Award from American Business Media.

Thomaston Savings Bank employees raised funds in support of Imagine Nation Museum's STEAM Education Program.

Start Community Bank was a Bronze Sponsor of St. Martin de Porres Academy Spring Fling honoring board member David Newton.

Start Community Bank was a Bronze Sponsor of the United Way's Read Across America event.

Start Community Bank was a Friend Sponsor of LEAP's LEAP Year Event 2019.

Start Community Bank was a Silver Sponsor of Junior Achievement's 2019 Business Hall of Fame Honoring Board Chair Rolan Joni Young.

Start Community Bank was a Silver Bead Sponsor of the New Haven Free Public Library's 2019 Mardi Gras Celebration.

Thomaston Savings Bank participated in the Mattatuck Museum ground breaking for the museum's renovation and addition project.

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Union Savings Bank New Fairfield branch team shared wishes of "Luck" and tasty treats with their customers in celebration of St. Patrick's Day and a meet and greet with their new branch manager.

continued on next page

Connecticut Banking Magazine • Second Quarter 2019

Union Savings Bank awarded winners of the Ellis Island essay contest and applauded The Ridgefield Playhouse for their participation.

Union Savings Bank team participated in The Western New England Home show.

Union Savings Bank donated totes filled with school supplies at Morris Street, Vogel-Wetmore and South Street Elementary Schools.

Union Savings Bank team members participated in Read Across America Day and Share Our Love of Reading with Morris Street School.

Union Savings Bank employees, customers, and the community supported the USB food drive benefiting neighbors impacted by the government shutdown.

Union Savings Bank participated as judges at the Invention Convention at South Street Elementary School.

Union Savings Bank employees participated in debates about "Charlotte's Web" with fourth -grade children at Shelter Rock Elementary School as part of the Ridgefield Playhouse Arts in Education program.

Union Savings Bank team shared the love of reading with hundreds of children at the 28th Annual Read Aloud Day hosted by the Northwest Connecticut Chamber of Commerce Education Foundation.

Union Savings Bank team members wrapped Valentine's Day gifts for tips to benefit Housatonic Habitat for Humanity at the Danbury Fair Mall.

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Union Savings Bank team members donated nearly 900 items to their Teacher's Closet which helps support teachers and students in their community.

continued on next page

Second Quarter 2019 • Connecticut Banking Magazine

United Bank and its two charitable foundations invested over $1.2 million in non-profit organizations, student scholarships and corporate sponsorships in the communities they serve.

Union Savings Bank newest employees packaged "Sunflower Grow Kits" with inspirational notes to be shared with local students in celebration of National Mentor Month.

United Bank teammates and friends volunteered at Connecticut Food Bank.

United Bank introduced their Westport branch banking team.

United Bank participated in the HYPE Cup Dodgeball Tournament.

United Bank was the top sponsor of the East of the River Chambers of Commerce Association's Warming Hands, Warning Hearts event.

United Bank waived all deposit account monthly charges and offered loan assistance to those federal government employee customers affected by the government shutdown.

United Bank sponsored Asnuntuck Community College's Murder Mystery Dinner.

United Bank employees volunteered in the United Way's Read Across America event.

United Bank Foundation supported MakerspaceCT with a $5,000 grant

The United Bank team participated in the Tolland County Chamber's 13th Annual Business Showcase.

United Bank in Hartford hosted students from ECSU for a Career Shadow Day.

Webster Bank United Way Employee Campaign raised $1.55 million in 2018.

Webster Bank was included in Forbes' America's Best Banks 2019, ranked as number 68 and the highest-ranked bank in Connecticut.

The United Bank team attended the annual Economic Outlook meeting for the Business Council of Fairfield County.

Webster Bank was recognized among the World's Best Banks in Forbes' inaugural World's Best Banks list.

United Bank supported the Hartford Yard Goats.

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