Winter 2019 Georgia Communities First Magazine

GeorgiaCommunitiesFirst Official Publication of the Community Bankers Association of Georgia

Winter 2019

INSIDE 2019 Conventions

Hilton Head & amelia

island Grass Roots

Day at the Dome

Women in

banking

Spring Regional Luncheon Meetings educational opportunities

Member:

The Baker Advantage:

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R

For forty years, The Baker Group has been known for its proven software and products, and for helping clients make sound, strategic decisions.

The Baker Group’s Interest Rate Risk and Investment Strategies Seminar was developed specifically for managers of financial institutions. Designed to meet current financial challenges, it is an in-depth examination of topics including: • Economic Overview, Market Update, and Fed Policy Outlook APR

April 25-26, 2019 Dallas, Texas

• Late Cycle Behavior – Preparing the Balance Sheet for the Next Environment • Best Practices to Comply with the Latest Liquidity and IRR Regulatory Guidance • What Should Our Bank Be Buying Today? Seeking the Best Relative Value • Managing Cashflow Optionality to Protect Against Extension and Contraction Risk • Protecting Your Portfolio with a Robust Municipal Credit Process

Guest Speaker Dr. Lacy H. Hunt

Executive Vice President of Hoisington Investment Management Company

Who Should Attend

Financial institutions’ CEOs, CFOs, investment officers, board members, and those who are directly or indirectly responsible for financial management functions will benefit from this seminar. There is no cost for this seminar.

Thursday

Golf 12:00 pm Dinner 6:30 pm

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Breakfast 7:00 am Seminar 8:00 am Lunch 12:00 pm Conclusion 4:00 pm

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Old American Golf Club

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contents Winter 2019

f e at u r e d

C B A S TA F F John McNair President & CEO john@cbaofga.com

2

9

Lori Godfrey Director of Legislative and Regulatory Affairs lori@cbaofga.com

24

17

Lindsay Greene Vice President Marketing & Member Services lindsay@cbaofga.com Jeremy Thomens Graphic Design & Member Services Coordinator jeremy@cbaofga.com Cassie Conklin Marketing Specialist cassie@cbaofga.com Peake Wilson Vice President Corporate Events & Leadership Division, CBA Corporate Secretary peake@cbaofga.com Kristi Greer Director of Professional Development kristi@cbaofga.com Donna Coutant Education Coordinator donna@cbaofga.com Connie Shepard Education Associate connie@cbaofga.com Tammy Maass CFO tammy@cbaofga.com

conventions

2

Here on Main Street

5

We Look Forward to Serving You and Your Community Bank in the Year Ahead

l e g i s l at i v e

6

General Counsel Corner: A Supreme Court Debate

7

A Letter from Lori

18 Save the Date: 51st Annual

Convention & Mini-Trade Show e d u c at i o n

20 Webinars 23 Education Buzz

c o r p o r at e e v e n t s

9

17 41st Annual Leadership Division

Convention & Mini-Trade Show

Grass Roots Day at the Dome

10 Charlie Curry Memorial Spring

Clay Shoot 11 2019 Leadership Academy 13 Women in Banking

24 2019 Compliance Program member services

28 CBA Endorses Holtmeyer & Monson

and STS Group 32 Endorsed Member Spotlight:

David Saylor of Genesys Technology

Group

15 Spring Meetings & PAC/PR Golf

Tournaments

s ta y connected

@CBAofGeorgia

@CBAGeorgia

@company/ cbaofgeorgia

Community Bankers Association of Georgia | 1900 The Exchange, Suite 600, Atlanta, GA 30339 (770) 541-4490 or (800) 648-8215 • Fax (770) 541-4496 | www.cbaofga.com • cba@cbaofga.com W i n t e r 2 0 1 9 | G e org i a Co m m un i ti es F i rs t | 1

From the President’s Desk

From the President’s Desk

Here on Main Street Welcome to 2019! I hope everyone had a wonderful Holiday Season full of warmth, love and happiness with family and friends!

“The best way to predict the future is to create it.”

– Peter Drucker I am not a huge fan of quotes; however, I think about this one a fair amount-especially now as the new President/CEO of CBA. Everyday we have a choice: dwell on our challenges OR seize the opportunity each day provides. At CBA, we are seizing the opportunity to create a bright future for Georgia’s community banks. With this in mind, I would like to share a few changes we have already made:

CBA VISITS: The best part of my job is personally visiting with community bankers in their banks. At the time of writing, I will have already made over 40 visits and my goal is to visit every bank at least once in 2019. The purpose of my visits is to learn more about the goals and objectives of each member bank and introduce solutions that align with each institution’s strategic plan. CBA has a vast array of offerings all designed to help each bank succeed.

ADVOCACY: Raising the profile of Georgia’s community banking industry is a top priority.

The new year ushers in a fresh opportunity to educate legislators and a new administration as to the value of Georgia’s community banks. At the time of writing, CBA has met multiple times with Governor Kemp’s team and participated in the inaugural. I am pleased to report that Governor Kemp understands the vital nature of Georgia’s community banks and is interested in working with CBA to foster the development of greater economic success for all in our state. We are grateful for the opportunity to work closely with the new Governor and his administration.

SOCIAL & DIGITAL STRATEGY: Social media is an effective tool to build a brand and for overall messaging. CBA has already begun to expand its social media outreach effort, and this will continue in 2019. We encourage you to follow us on Facebook, LinkedIn and Twitter and join our LinkedIn Community Bankers Forum. Additionally, CBA will unveil later in the first quarter a new website providing visitors with a higher level of functionality and a more pleasant viewing experience.

ENGAGEMENT: For 2019 and beyond, there will be additional opportunities for community bankers to engage in CBA. Starting in January, CBA will have nine (9) standing committees. CBA is YOUR association and member involvement and engagement is critical to develop our collective future. Throughout the first quarter of 2019, the committee chairs and CBA staff liaisons will add members to serve on the various committees. If you have interest, please contact CBA to discuss the options.

These are but a few of the initiatives underway at CBA. While January 1, 2019, marked a New Year for all, believe me when I say it also marked a New Day for YOUR association – The Community Bankers Association of Georgia – the future is ours to build together!

John McNair President & CEO Community Bankers Association of Georgia

W i n t e r 2 0 1 9 | G e org i a Co m m un i ti es F i rs t | 3

NASHVILLE March

18–22

Community Banks

Music City Convention Center

Turn Up the Volume!

F lo u r i s h

We look forward to serving you and your community bank in the year ahead

Rebeca Romero Rainey President & CEO Independent Community Bankers of America

Happy New Year, community bankers! I hope you all enjoyed the holidays and are ready to start 2019 off right with all that ICBA has to offer. I’m of course talking about advocacy, education and innovation: the three pillars for which ICBA is known.

ICBA ThinkTECH Network, powered by FinXTech Connect.

Launching early this year and free to all ICBA members, this directory is the next step in our drive to promote community bank/fintech partnerships (see more on page 72). I wish I had this when I was running my bank!

I know many of you are eager to get started on your New Year’s resolutions. And if you haven’t already, I encourage you to also come up with a community banking resolution—one that helps you flourish as a professional.

I wish you all a happy and healthy 2019. If there’s anything that we at ICBA can do to make the year more productive on the professional front for you, don’t hesitate to reach out to me or my staff. We’re here to serve you, and we look forward to serving you and your community bank in the year ahead.

Regardless of your priorities, I hope you know that ICBA is here for you every step of the way with tools and resources to help you and your bank flourish. Here are some ideas: Advocacy: I encourage you to take advantage of ICBA’s Be Heard grassroots resources. Set a goal to send a grassroots alert every time you see a request from our team either in NewsWatch Today or in your inbox. We moved mountains in 2018 with the passage of the Economic Growth and Regulatory Relief Act (S.2155), but with a new Congress and new staffs to educate on community banking’s priorities, there will be plenty of opportunity this year to flex our advocacy muscles and make more change happen.

Where I’ll Be This Month I will be at the ICBA ThinkTECH Accelerator in Little Rock, Ark., as we launch the bootcamp phase of the program.

Education: If you haven’t registered yet for our national convention, ICBA Community Banking LIVE, March 18–22 in Nashville, Tenn., now is the time. You’ll save if you sign up by the early bird deadline on Jan. 25. I look forward to this event every year and have found it to be an incredible opportunity to network with my community banking peers and gain the knowledge I need to stay current. With more than 60 workshops and 10 tracks, you’ll be well on your way to completing your education resolution before spring. And to keep the momentum going, check out what’s available through Community Banker University.

Innovation: Last year, ICBA released a Fintech Strategy Roadmap to help you with your innovation planning. (If you haven’t seen it yet, you can do so at icba.org/fintech) We’re now offering you even more help on this front with the new

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l eg i s l at i v e

A Letter

from Lori

Lori Godfrey Director of Legislative and Regulatory Affairs Community Bankers Association of Georgia

The start of the 2019 Legislative Session is underway and there are lots of new faces at the State Capitol that we will get to know in the coming weeks of the session. Georgia has a new Governor - Brian Kemp; a new Lt. Governor - Geoff Duncan; a new Secretary of State - Brad Raffensperger; and, a new Commissioner of Insurance - Jim Beck.

Chris Carr and Gary Black were both elected to maintain their offices as Attorney General and Commissioner of Agriculture, respectively. While Republicans will still be the majority caucus in both the House of Representatives and the State Senate, Democrats gained a total of 13 seats in the House of Representatives during the election.

There will be five new faces in the State Senate this session - three Democrats and two Republicans. There will be 33 new faces in the House of Representatives - 18 Democrats and 15 Republicans. Additionally, there are two open seats in the House of Representatives that will require a special election.

CBA is leading efforts at the Capitol to introduce legislation that would allow local governments to utilize deposit sweep programs as a supplement to existing pledging requirements, provided that deposits subject to the program remain federally insured.

Georgia is the ONLY state in the United States that does not permit local governments to utilize deposit sweep programs as a supplement to existing pledging requirements. We believe that this legislation would make it easier for community banks, particularly in rural Georgia, to accept deposits from their local government, allowing these banks to reinvest these into their own communities and spur economic activity.

Thank you to John Sillay with JamesBates-Brannan-Groover for drafting changes to the current code that would allow this type of activity. Total public deposits in the State of Georgia are approximately $28 billion, while only $4.8 billion is in community banks in Georgia.

Just think of the impact this option

would give to our local communities.

We will continue to update you on the progress of the bill.

CBA needs your help to promote our mission…

The CBA’s mission is to exclusively provide uncompromising advocacy, education and resources for its family of Georgia community banks while passionately promoting the state’s sound community banking industry.

The CBA is making connections with our new representatives, and grassroots advocacy is going to be an important part of our ability to promote our mission. Your participation is critical!

If you know any of our new representatives, talk to them about how Georgia’s community banks provide vital services to citizens throughout the state. The CBA would also welcome the opportunity to meet with any of your representatives, newly elected or incumbent, to discuss matters affecting Georgia’s community banks.

With your active participation in the advocacy process, Georgia’s community bankers will have a strong voice and influence in the shaping of our industry.

We must constantly build and renew relationships with legislators who understand and support community banking.

For more information on how to contribute to Georgia’s only State PAC that is dedicated to advocating exclusively for community banking, visit CBA’s website.

Hope to see you at our Grass Roots Day at the Dome on Wednesday, February 13, 2019!

W i n t e r 2 0 1 9 | G e org i a Co m m un i ti es F i rs t | 7

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l eg i s l at i v e

2019

Grass Roots Day at the Dome wedn e sday, f e b r ua ry 1 3 , 2 0 1 9 State Capitol and G eorgia F reight D epot

2019 Schedule & Format 10:00 – 11:30am

Capitol -“On The Ropes”

Noon – 1:00pm

Depot - Lunch with Georgia’s legislators

Meet CBA Lobbyists John McNair and Lori Godfrey at 10:00 AM inside the Capitol and communicate directly with your legislators during the session. Then join CBA, your peers and legislators for lunch at the Georgia Freight Depot. $50 per member attendee (CBA’s Winter Board Meeting will immediately follow lunch.)

Photos from the 2018

Please RSVP by Thursday, February 4, 2019, to Peake Wilson, (770) 541-0379, peake@cbaofga.com.

Transportation Sponsor

Lunch Sponsor

2019

Banker Regulatory Forums Mark Your Calendar!

The goal of the Banker Regulatory Forum is to establish and maintain a dialogue with the state and federal regulators/agencies regarding their policies, procedures, and objectives. It also serves as a clearing house for CBA member concerns.

Attendance at the meeting is free for CBA Members and lunch is included.

Thursday, February 14 Idle Hour Country Club, Macon Focus on Compliance Thursday, May 2 CBA Headquarters, Atlanta Focus on Safety & Soundness Thursday, August 1 Idle Hour Country Club, Macon Focus on Safety & Soundness Thursday, November 7 CBA Headquarters, Atlanta Focus on Compliance

W i n t e r 2 0 1 9 | G e org i a Co m m un i ti es F i rs t | 9

c o r p o r at e e v e n t s

2019

C h a r l i e C u r r y M e mo r i al

S p r i n g C lay S h oot b e n e f i t t i n g cba’ s pac / p r

Tuesday, March 26, 2019 | Wynfield Plantation | Albany In early 2018, the Georgia community banking industry lost a dear friend and passionate advocate, Mr. Charlie Curry of First State Bank of Randolph County, Cuthbert. In addition to his overall involvement with the Association, its Board of Directors and annual events, Charlie was an avid sportsman and often attended and supported CBA’s PAC/PR Fundraising Clay Shoots. Therefore, it was unanimously decided to name this event in his honor. We are pleased to present the Inaugural Charlie Curry Memorial Spring Clay Shoot.

thank you to our sponsors! premier sponsor

12 Gauge Sponsors

Registration Fees (all packages include lunch, prizes and more): $150 per individual shooter (morning or afternoon flight) $550 per team of four (morning or afternoon flight)

20 Gauge Sponsors

We kindly encourage you to invite your clients and potential clients to join in the fun and register a team of four.

Prizes Overall highest scoring team will be awarded $400; second highest scoring team will be awarded $200.

A Message from CBA’s President and CEO John McNair: “The CBA Political Affairs Committee (PAC) is a vital tool that helps CBA educate members of the Georgia Legislature and advocate for issues and concerns in the community banking industry. We are always working to build and renew relationships with state legislators and need your help! A strong PAC and robust grass roots advocacy plan will help us build the value relationships that are needed to advance the community bank agenda. Remember, the Georgia Legislature shapes our future and can change our profession. With your help and support, Georgia community bankers will have a strong voice and influence in shaping our industry.”

28 Gauge Sponsors

Signage Sponsor

Sponsorships Available! Contact Lindsay Greene at lindsay@cbaofga.com or (770) 541-0376 for sponsorship information.

For general information, contact Peake Wilson at peake@cbaofga.com or (770) 541-0379.

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c o r p o r at e e v e n t s

2019

Leadership Academy Building Leaders Today Ensures Success for Tomorrow

Developed by CBA’s Leadership Division, this Leadership Academy is designed specifically for the future community bank leader. This series of four sessions will benefit the attendees through individual self-discovery, personal and professional growth and career development. Each participant will walk away with their own personal development plan. The workshops are designed to bring continuity and sustainable accomplishments which will allow each future bank leader to build positive influence, team connections and ongoing learning resources. The Academy aims to support Georgia’s community banks in the development of its people so that these bankers will become impactful leaders of influence - for

the bank, themselves and their communities. Participants who consecutively attend all four sessions in a calendar year will receive a Certificate of Completion.

A great way to increase employee retention and engagement is through professional development. The Association of Talent Development states that senior leaders in organizations “understand the critical strategic role learning has, and they are committed to investing in the growth and development of their people.” CBA encourages every Georgia community bank to provide learning opportunities for their teams, especially those who will be leaders.

The “Tool Belt” The sessions are designed to build upon each other so that each leader can create action plans for successful practice in their banks. You will see value plus change. Leaders should choose to professionally grow their knowledge.

This series will encourage not only workshop participation but also ongoing self-development.

In 2019, each session will cover 1.5 days of learning and development and will take place on Tuesday afternooon & evening and all day Wednesday.

Session I - Tuesday - Wednesday, March 5-6 Winning Together: Becoming the Leader Your Team Needs and Wants Session II - Tuesday - Wednesday, May 14-15 My Leadership Impact Session III - Tuesday - Wednesday, July 23-24 Leadership & Mindset Training Session IV - Tuesday - Wednesday, September 17-18 Utilizing the Tool Belt in Your Bank

Thank you to our Lunch & Dinner Sponsors

July March

May

Sponsorships Available! Contact Lindsay Greene at lindsay@ cbaofga.com or (770) 541-0376 for sponsorship information.

David Branch Session I President and CEO, Branch Solutions Group

Darla Harms Sessions II & III Leadership Coach

Dianne Barton Session IV President, Performance Solutions, inc. (PSi)

Registration Fees and Inclusions* CBA Member: $1495 per attendee, per year Non-CBA Member: $1795 per attendee, per year *Registration automatically signs up attendees for all four 2019 sessions.

Learn more and register by visiting the Leadership Academy webpage or by contacting Peake Wilson at peake@cbaofga. com or (770) 541-0379.

W i n t e r 2 0 1 9 | G e org i a Com m un i ti es F i rs t | 11

GENESYS TECHNOLOGY GROUP

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We audit everthing for accuracy before you execute your final contract. We also stay with you for 12 months to audit your invoices and troubleshoot billilng errors.

Bank technology consulting that pays for itself.

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c o r p o r at e e v e n t s

“Investing in You” 6th Annual

WOMEN IN BANKING SEMINAR

Tuesday, March 12, 2019 Idle Hour Country Club Macon

Jana Schmidt & Lauren Kirkley

“Speaking the Language of Business: Show Command of Your Numbers” Harland Clarke, Atlanta

Jana Schmidt is the CEO of Harland Clarke, a leading provider of quality payment solutions, omni-channel marketing campaigns and critical communications. Lauren Kirkley, Chief Operations Officer, is responsible for all of Harland Clarke’s key execution and support processes, including Contact Center Services, manufacturing and IT.

Darla Harms

“Overcoming Shame and Living in Authenticity” Albany, GA Darla Harms is a Leadership Coach, Speaker, and Trainer. Darla has a Master’s Degree in Leadership and Adult Education from the University of Nebraska-Lincoln, she is a John Maxwell Certified Coach, Speaker, and Trainer, and she is a Certified Life Coach through the Arbinger Institute out of Salt Lake City, UT. Darla has been studying leadership for over 20 years and for the last 5 years has owned her own leadership business. She is now venturing into a new role as the Executive Director of The Staffing People’s Leadership Institute. They are a local staffing company eager to bring leadership development to Southwest Georgia and have created a new Leadership Institute to help train soft skills for employees, leadership skills for employers, facilitate leadership conferences, start a youth leadership initiative and continue to work with local organizations to improve their leaders.

Thank You to our Exclusive Sponsor:

Women are very strong managers of finances and budgets, yet in business, too often we don’t effectively communicate our command of the numbers. And let’s face it: leaders today are often measured by their ability to “hit their numbers”. Learning, understanding, and messaging financial acumen is within all of our grasps, and we will help you to become more competent and respected in this area.

Jennifer Hall

“Empowering Women in the Workplace” Founder, MatchKey Consulting LLC, Johns Creek This program reflects tips and techniques that MatchKey’s founder, Jennifer Hall, has accumulated in 27 years of Corporate America experience. After having similar discussions with women of all ages, Jennifer realized there were common behaviors and traits that were making women feel unempowered, so she developed this course.

This structured exercise is sure to help women better define their value proposition, articulate it clearly and concisely and better control their destiny in an organization or in their personal life. Participants can be professionals, students, community activists and/or CEOs of their homes. Women of all ages are welcome to attend. In fact, it is encouraged. Having different generations represented in the same workshop leads to a broader discussion around best practices and idea exchange.

Pricing CBA Members: $150 per person Non-CBA Members: $225 per person For general information, contact Peake Wilson, (770) 541-0379 or peake@cbaofga.com.

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c o r p o r at e e v e n t s

Rally Around the Bell Community Bankers Association of Georgia’s

2019 Fundraiser

CBA’s Leadership Division (comprised of many community bankers across Georgia) has raised over $596,000 for Children’s Healthcare since its fundraising efforts began in 1989. Over $76,000 of that was raised in 2018 alone!

Funds are raised by either the LDRs banks directly, community fundraising efforts or personal donations. Donations have benefited different areas of Children’s Healthcare including student nursing programs, Strong4Life, school health programs and many more all across the state. We are pleased to announce that funds raised during the 2018-2019 term will benefit the Aflac Cancer & Blood Disorders Center.

To participate in the Rally, simply donate $50 to Children’s Healthcare through CBA, its Leadership Division or any participating community banker, and your name will be entered into a drawing for $5,000! The drawing will be held in June 2019; you do not have to be present to win.

How You Can Help: Recruit Banks to…

1. Pick one way to engage customers Adopt an Icon Program Pick a few weeks of the year to ask customers to give $1, $3, or $5 to benefit patients in the Aflac Cancer Center. Allow customers to display the icon with their name within the bank. Children’s will provide the icons.

Skip a Loan Payment Offer members the opportunity to skip a loan payment and convert all or a portion of your processing fees into a donation.

Children’s will help create communication and collateral.

Include Children’s Giving Page on Bank Website Allow Children’s to create a custom online giving page to include on your bank’s website. Share your support of the Aflac Cancer and Blood Disorders Center and ask customers to join you.

2. Host one of the below fundraisers in addition to your current fundraising efforts Social Media Blitz Gather employees to raise $200 each in one day by asking friends and family to donate via a customized giving page.

Dress Down Day Adopt a day of the week or month for which employees pay $5 for the opportunity to dress in jeans or casual-wear.

Packed Lunch Day Encourage everyone to bring in a packed lunch on a specific day.

Participants donate what they would have paid to eat lunch out.

3. Include Children’s in ongoing communication (i.e., newsletters, agenda time on calls with banks, social media) Children’s will provide content, photos, ideas, etc.

Please contact Michelle.Bennett@choa.org to start one of these initiatives today!

Children’s Healthcare of Atlanta

1

Contact Peake Wilson at peake@cbaofga.com or (770) 541-0379 to learn more. You may also contribute online by visiting www.giving.choa.org/cba.

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c co orrppo orrat atee eevveen nttss

Spring Regional Luncheon Meetings & PAC/PR Golf Tournaments

Photos from 2018

These meetings are a fantastic way to stay on top of current legislative issues, industry trends and various hot topics as well as network with your peers. Once again, we’re pleased to host the luncheons in north, central and south Georgia so that all our members can join us without having to travel too far.

•

Tuesday, April 23 – Doublegate Country Club, Albany with Golf & Dinner

•

Wednesday, April 24 – The Club at Lake Sinclair, Milledgeville - with Golf & Dinner

Bankers, start the morning with a “Bankers Only Peer Group” meeting during which you may candidly discuss any concerns you have in your area or proudly share items that are successful in your bank. Following this discussion, there will be time for networking before we open up the buffet and invite everyone to enjoy a wonderful lunch while learning from two industry experts. And, don’t forget to sign up for the PAC/PR fundraising golf tournaments, too.

•

Thursday, April 25 – Country Club of Roswell - with Golf & Dinner

The CBA maintains the only state PAC working exclusively for Georgia’s community banks.

Registration is open! Be on the lookout for more information to arrive at your office in the next few weeks. For golf tournament sponsorship opportunities, contact Lindsay Greene at lindsay@ cbaofga.com or 770-541-0376. For general information, contact Peake Wilson at peake@cbaofga.com or (770) 5410379.

Thank You to our Milledgeville Sponsor:

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NEW LAW PASSED NEW LAW PASSED MOST MOST

RECIPROCAL RECIPROCAL DEPOSITS DEPOSITS NO NO LONGER LONGER BROKERED BROKERED

Most reciprocal deposits are no longer considered brokered deposits under recently passed Most reciprocal deposits are no longer considered deposits under recently passed legislation, the Economic Growth, Regulatory Relief,brokered and Consumer Protection Act. Now your bank legislation, the Economic Growth, Regulatory Relief, and Consumer Protection Act. Now yoursheet; bank can add even more of these traditionally stable, relationship-based deposits to its balance can add even more of these traditionally stable, relationship-based deposits to its balance sheet; expand its customer base; and use the full amount to invest in the local community. expand its customer base; and use the full amount to invest in the local community.

Learn how to start growing today!

Learn how to start growing today!Director, Contact Danny Capitel, Regional Contact Danny Capitel, RegionalorDirector, at dcapitel@promnetwork.com at dcapitel@promnetwork.com (866) 776-6426, ext. 3476. or (866) 776-6426, ext. 3476.

Reciprocal deposits are a win-win for Reciprocal deposits are a win-win for banks and the communities they serve. banks and the communities they serve.

To learn more, visit www.promnetwork.com/no-longer-brokered.

To learn more, visit www.promnetwork.com/no-longer-brokered.

Conventions

41st Annual Leadership Division Convention & Mini-Trade Show Thursday-Sunday, June 6-9, 2019 Omni Hilton Head Oceanfront Resort, Hilton Head, SC

You will not want to miss the 41st Annual Leadership Division Convention & Mini-Trade Show, held Thursday-Sunday, June 6-9, 2019, at the Omni Hilton Head Oceanfront Resort at Hilton Head Island, SC. The convention will feature the popular Mini-Trade Show, dynamic speakers, the Chairman’s Family Banquet and much more!

er

Entertainm

keynote speak

ent

Cam Fine “Community Bank Voices Matter!”

Major legislative and regulatory victories for community and regional banks over the past two decades have come because community banks had their own distinct voice in the policy debates. Imagine what the financial legislative and regulatory landscape would look like without a community bank voice at the policy table? The “one size fits all” legislative and regulatory philosophy would be unchallenged, and community banks would be nothing but a policy afterthought.

Camden R. Fine is president and CEO of Calvert Advisors and served as president and CEO of the Independent Community Bankers of America® (ICBA) from 2003-2018.

Jonathan Burns Born with the gifts of flexibility, curiosity, and goofiness, Jonathan Burns now uses these unique talents to astonish audiences around the globe. Over the course of his career, Jonathan has appeared on The Late Show with David Letterman, The Jay Leno Show, The Late Late Show with James Corden, and La France a un incroyable talent (France’s Got Talent). He’s been dubbed “Extremely funny” by The New York Times, and was named “Variety Artist of the Year”

by Campus Activities Magazine, TWICE! When he’s not performing he can usually be found in an airport terminal or spending time with his beautiful family.

Agenda-at-a-Glance THURSDAY, JUNE 6 th morning free afternoon & evening

Convention Registration Exhibitor Set-Up LD Board Functions (by invitation only) FRIDAY, JUNE 7th morning

Breakfast General Session with Mini-Trade Show

lunchtime free evening

(Dinner on your own) Desserts & Outdoor Party for the whole family SATURDAY, JUNE 8th morning

5k & Fun Run Breakfast General Session 7-Minute Spotlight

SATURDAY, Cont’d. evening - for the whole family Chairman’s Family Reception, Buffet Dinner & Raffle Drawing Family Entertainment SUNDAY, JUNE 9th Departures

afternoon free

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Conventions

thank you to our leadership division sponsors! platinum sponsors

silver sponsors

Bronze sponsors

General sponsor

individual event sponsors

Board Appreciation Reception & Dinner Co-Sponsors

Hotel Key Cards

Convention Totes

Bottled Water

​Chairman’s Family Reception, Dinner & Entertainment Co-Sponsors

Kids’ Welcome Kits & Friday Cash Prize

Board Meeting Refreshments

Friday Promo Items

5K/Fun Run Sponsors Friday Break

7-Minute Spotlight

Friday Cash Prize

Saturday Cash Prize

Saturday Promo Items

Saturday Breakfast

Signage

Save the Date!

51st Annual Convention & Mini-Trade Show Popular e Mini-Trad at!

Show form

Thursday-Sunday, September 12-15, 2019 The Ritz-Carlton, Amelia Island, FL

Gov. Kem p has been invited to speak!

CBA is returning to Amelia Island! Mark your calendar to hear from industry experts, network with other community bankers, and learn about the latest products and services in the popular Mini-Trade Show format. To learn more and register, visit www.cbaofga.com/annual-convention-and-mini-trade-show or call (770) 541-4490.

1 8 | ww w.cbaofga.co m | Winter 2019

Conventions

Celebrating a Lifetime of Service Will you or someone at your bank be celebrating a milestone this year?

Let CBA help you celebrate!

The CBA of Georgia is proud to honor bankers who have reached a significant milestone in the banking industry with the Lifetime Service Awards. CBA pays tribute to bankers reaching a milestone of 30, 40 or 50 years in the community banking industry. Additionally, CBA will honor those who are planning to retire in this calendar year with 30 or more years of service in the community banking industry. The presentation will be made during the 51st Annual Convention & Mini-Trade Show in September 2019.

If you know a community banker who will reach the milestone of 30, 40 or 50 years of banking experience this year and has a proven record in excellent community involvement, please contact Peake Wilson at peake@cbaofga.com or (770) 5410379/(800) 648-8215. You may also find more details on this recognition program and submit names online by visiting our website: www.cbaofga.com/lifetimeservice-awards.

Nominations should be submitted by the bank’s President and/or CEO and should include detailed information on the individual’s accomplishments. Select Lifetime Service Award applicants will be recognized based on their commitment to the banking industry and service to their customers and community. Please submit all information in paragraph form.

CONNECT WITH CBA ON

LOOKING TO STAND OUT IN

2019?

SPONSORSHIPS CAN SET YOU APART! Sponsorships and advertising through the Community Bankers Association of Georgia is a smart way to boost your organization’s visibility among our member banks.

CBA will host over 50 in-person programs in 2019. Each program offers the chance to develop new business leads as well as meet and network with Georgia’s community bank decision makers.

CBA can customize an advertising and sponsorship package for you - designed to target your specific audience and budget.

Advertising in the magazine, on the website, the popular e-newsletter or in the CBA 2019 Directory – all offer maximum exposure for your company.

Don’t wait! Sponsorships are available on a first-come, first-served basis. For more information, contact Lindsay Greene at (770) 541-0376 or email lindsay@cbaofga. com.

FACEBOOK @CBAOFGEORGIA LINKEDIN

@CBAOFGEORGIA

TWITTER

@CBAOFGEORGIA W i n t e r 2 0 1 9 | G e org i a Com m un i ti es F i rs t | 19

e d u c at i o n

EDUCATION ACCESS WHEN AND WHERE YOU CHOOSE

WEBINARS

CPE CREDITS AVAILABLE

CPE CREDITS FROM THE COMFORT OF YOUR OWN SCREEN

CBA is committed to superior customer service and has been a leader in webinar training for over a decade. Webinars are designed for most positions in a community bank from the teller line to the board room. Speakers are industry experts with long-term, real-life, hands-on experience. Benefits of participating in a CBA webinar are: • Easy to use, time effective, cost effective, convenient, interactive • Current topics delivered by experienced speakers

• Continuing Professional Education Credits • Take-Away-Toolkit (consists of an employee training log and a quiz to measure staff learning) • Webinar series for Bank Directors, Compliance Professionals, Risk Managers, Leaders, and much more!

Register today for a webinar training option that best meets your training needs! For the most current listing of webinars, visit www. cbaofga.com.

AUDIT & ACCOUNTING

COLLECTIONS

DIRECTORS

1/16: Call Reports 2019 Update

7/30: Consumer Collection Series: 20 Common Mistakes in Consumer Collections

6/10: Community Bank Mergers & Acquisitions Simplified

6/26: BSA Series: Job-Specific BSA Training for the Board

9/25: What Directors Should Know About CECL, ALLL & the New Credit Impairment Standards

5/2: Call Report Series: Call Report Basics, Including Balance Sheet, Income Statement & Related Schedules 6/13: Call Report Series: Preparing Call Report Lending & AllowanceRelated Schedules 7/2: ALLL Supporting Documentation: Current Rules & Future Expectations Under CECL

7/23: Call Report Series: Call Report Regulatory Capital, Including Key Changes & Other Schedules

8/20: Call Report Series: Introduction to Call Report Loan Classifications

9/4: Auditing E-Policies & Procedures: Risks, Rules & Records

9/10: Conducting the 2019 ACH Audit

9/17: Regulation E Series: Auditing for Reg E Compliance

COLLECTIONS 1/28: Real Estate Loan Collection Rules for Lenders & Mortgage Servicers 4/18: Consumer Collection Series: Your Borrower Filed Bankruptcy, Now What?

5/21: Consumer Collection Series: Repossession Practices, Compliance & Limitations

6/19: Consumer Collection Series: Effective Debt Collection Techniques & Strategies

COMPLIANCE 2/4: Flood Insurance Compliance Update & FAQs 3/19: Advanced BSA Officer Training: In-Depth Risk Issues & Difficult Situations 4/2: UDAAP: Consumer Complaint Monitoring & Avoiding Harm 5/8: BSA Series: Job-Specific BSA Training for Lenders

6/4: BSA Series: Job-Specific BSA Training for Operations

7/16: BSA Series: Job-Specific BSA Training for the Frontline

8/21: E-Compliance Rules, Policies & Best Practices for Email, Web, Mobile & Social Media

9/19: New Compliance Officer Boot Camp

10/3: New BSA Officer Training Part 1: Compliance, Risk Assessment, CTRs, Exemptions, Forms & Regulator Expectations 10/17: New BSA Officer Training Part 2: Reviews, SARs, CDD, Technical Aspects & RealLife Scenarios

11/13: Year-End Compliance Checklist

11/20: BSA Special Risks: Policy, Law Enforcement & Regulator Issues

DIRECTORS 3/28: Board Reporting Series: Red Flags in Board Reports

2 0 | ww w.cbaofga.co m | Winter 2019

FRONTLINE & NEW ACCOUNTS 1/10: Teller Training Series: Compliance Training for the Frontline 1/30: Teller Training Series: Frontline Fraud Prevention: Stopping Fraud at the Teller Line

2/20: Teller Training Series: Risks & Precautions for Endorsements & Other Negotiable Instruments

3/12: Teller Training Series: Cross Selling: The Key to Accountholder Satisfaction & Retention 3/27: Handling Power of Attorney & Living Trust Documents on Deposit Accounts & Loans

4/9: Teller Training Series: Accurately Completing the CTR Line-by-Line

4/11: Notary Essentials & Legalities

5/14: Teller Training Series: Managing Dual Control & Cash Limits

6/25: Living, Grantor & Family Trust Accounts: Common Problems in Account Opening & Lending

FRONTLINE & NEW ACCOUNTS 7/1: Managing Accounts & Records for Nonresident Aliens: Monday Opening, Identifying, Monitoring & Tax Reporting 7/24: Opening Accounts Online: Rules, Risks & Best Practices

8/29: Opening Donation, Memorial & Other Accounts for Nonprofit Organizations & Corporations 9/12: Managing Minor Accounts: Withdrawals, Transfers, CDD, Closing & Best Practices 10/9: Head Teller Training: Maximizing Teller Performance 10/16: POD Account Documentation, Compliance, Beneficiaries & Closing

10/22: Medallion & Signature Guarantee Risks, Rules & Best Practices 10/30: Personal Accounts: Ownership, Authorization, Titling & Documentation

11/6: Closing or Changing Accounts for Consumers & Businesses

12/10: Business Accounts: Who is Authorized to Open, Close, Transact?

HUMAN RESOURCES 6/12: Essential HR Recordkeeping from Hiring to Firing 9/24: Hiring in the Digital Age: What Every HR Manager Needs to Know About Social Media

IRA 1/17: IRA & HSA 2019 Update, Including Tax Reform Considerations

6/11: IRA Series: Handling IRA Required Minimum Distributions & Roth Distributions

7/9: IRA Series: Processing IRA Rollovers & Transfers

8/6: RA Series: IRA Reporting, Common Issues & Error Resolution

8/27: IRA Series: Top 10 Most Misunderstood IRA Issues: Turning Confusion into Confidence INFORMATION TECHNOLOGY 2/27: The New NIST Digital Identity Guidelines: Impact on Passwords, Security Questions & Account Lockouts

3/11: Synthetic ID Fraud: What It Is, How It Works & Real-Life Scenarios 4/4: Mobile Device Risks, Records & Compliance Rules: Managing Your BYOD & COPE Policies & Procedures

4/23: Hacking the Weakest Link: The Role of Staff in Maintaining IT Security

5/15: Hot Issues in Cyber Compliance

6/27: Card Data Security: PCI-DSS Risk, Readiness & Compliance 8/15: FFIEC Cyber Security Risk Assessments: Policy, Recent Findings & Recommendations

9/18: Mitigating a Data Breach: Forensics & Incident Response

e d u c at i o n

INFORMATION TECHNOLOGY 9/26: Emerging Trends & Developments in Online, Mobile & Digital Channels

LENDING 1/9: Credit Analysis & Underwriting Series: Regulator Issues & Update for the Credit Analyst

1/15: 2018 HMDA Submission Due March 1, 2019 Part 1: Identifying Reportable Loans, Data Integrity & FIG Analysis

1/23: 2018 HMDA Submission Due March 1, 2019, Part 2:Requirements, Clearing Edits, Exempt Fields & More

1/24: Determining Cash Flow from Personal Tax Returns After 2018 Tax Reform Part 1: Schedules A, B & C 1/29: Credit Analysis & Underwriting Series: Analyzing Financial Statements for the Credit Analyst

1/31: SBA Lending 2019 Update: Guidance on the Latest Changes to Policies, Procedures & Documentation

2/21: Credit Analysis & Underwriting Series: Debt Service Coverage Calculations in Underwriting 2/25: Determining Cash Flow from Personal Tax Returns After 2018 Tax Reform Part 2: Monday Schedules D, E & F

3/20: Required Compliance for Commercial Loans Secured by Real Estate

3/26: Credit Analysis & Underwriting Series: Global Cash Flow Analysis for Underwriters & Credit Analysts

4/17: Flood Insurance Compliance for Commercial Lending: Unique Issues & Case Studies

4/22: Top 20 Questions About Completing the TRID Loan Estimate & Closing Disclosure 4/25: Advanced Credit & Risk Management in Agricultural Lending

4/30: Escrow Account Shortages, Surpluses & Deficiencies

5/1: Troubled Debt Restructuring: Identifying & Accounting for Impaired Loans

5/9: Developing & Delivering an Effective Loan Presentation

LENDING 5/23: Advanced Commercial Loan Documentation

5/29: Military Lending Act & SCRA: Compliance & Lessons Learned 6/6: Mortgage Lending Hot Spots Series: Construction-Only & Construction-toPermanent Lending

7/10: Mortgage Lending Hot Spots Series: Surviving a TRID Compliance Exam 7/15: Introduction to SBA Lending 7/25: From Prospect to Customer: Skills & Tools for Successful Business Development 8/8: Mortgage Lending Hot Spots Series: Adverse Action in Mortgage Lending: Compliance, Notices & Best Practices

8/14: What Are Those Business Tax Returns Telling Me?

9/11: Mortgage Lending Hot Spots Series: Appraisal & Evaluation Guidance on Collateral Valuation

10/7: Mortgage Lending Hot Spots Series: Monday Demystifying Rules for TRID Tolerances

10/24: Commercial Loan Annual Credit Review

11/12: Mortgage Lending Hot Spots Series: Uniform Residential Loan Application (URLA) Lineby-Line, Required February 1, 2020 11/21: When a Borrower Dies: Rules, Procedures & Liabilities

12/11: Dealing with Joint Signers in Consumer & Real Estate Lending

12/17: Securing Collateral: How to Complete & File UCC-1 Financing Statements

MARKETING 3/6: Federal Requirements for Tech-Based Marketing: Websites, Social Media, Robo Calls & More

10/29: 12 Key Elements of an Effective Digital Marketing Strategy 11/7: Top 10 Compliance Mistakes in Advertising OPERATIONS 1/8: Record Retention & Destruction Rules: Paper & Electronic

OPERATIONS

2/5: ACH Specialist Series: ACH Tax Refund Exceptions, Posting & Liabilities

2/6: Right of Setoff on Deposit Accounts & Loans: Legal Issues 2/13: Prepaid Cards: Your Bank’s Responsibilities Under the New Rules, Effective April 1, 2019 2/26: ACH Specialist Series: ACH Dispute Resolution

2/28: Debit Card Chargebacks Part 1: Understanding Visa Rule Changes 3/13: Debit Card Chargebacks Part 2: Understanding Mastercard Rule Changes

3/14: ACH Specialist Series: 2019 ACH Rules Update

3/21: Banking MarijuanaRelated Businesses

4/15: ACH Specialist Series: Liability with ACH Death Notification Entries (DNEs) & Reclamations

5/16: ACH Specialist Series: Top 10 Ways to Mitigate ACH Payment Risk

5/30: ACH Specialist Series: ACH Stop Payments vs.

Unauthorized Extended Returns: Know the Difference

6/5: Handling Dormant Accounts, Unclaimed Property & Escheatment

6/17: Untangling Complex RDFI Challenges 6/18: Electronic Returned Items: Combating Fraud

6/20: Regulation E Series: Reg E Fundamentals

7/17: Regulation E Series: Legally Handling ATM & Debit Card Claims Under Regulation E

7/18: Wire Transfer Compliance, Including International Remittances

8/5: Official Demands Part 1: Handling Subpoenas, Summonses & Other Legal Process 8/22: Regulation E Series: How to Handle Unauthorized Electronic Fund Transfers Under Reg E 8/28: Effective Management of Credit Report Disputes: Completing ACDVs, AUDs & Correcting Joint Credit

9/5: Official Demands Part 2: Handling Garnishments, Levies & Judgment Liens

OPERATIONS

10/8: When a Depositor Dies: Legal Requirements, Practical Issues & FAQs

10/10: Regulation E Series: Reg E Requirements for Debit Card Error Resolution: Processing, Disclosure & Investigation

SENIOR MANAGEMENT

10/31: 1099 Reporting: Foreclosures, Repossessions & Debt Settlements

11/14: Regulation E Series: Provisional Credit Under Reg E: Rules, Best Practices & FAQs

11/26: Understanding & Navigating ACH Rules for ODFIs

5/22: The UBPR: Understanding Peer Group Comparison to Improve Bank Performance

8/1: Outsourcing Tech Services: Regulations, Examiner Expectations & Actions for Vendor Management

8/13: Developing the Right Strategic Plan for Your Bank

12/3: IRS Reporting Requirements: 1098s, 1099s, TINs & Backup Withholding

12/4: ACH Error Resolution: Returns, Authorizations, WSUDs, Stop Payments & More

12/12: Safe Deposit Issues: Delinquency, Death & Abandonment

SECURITY & FRAUD 4/16: Board Reporting Series: Security Officer Reports to the Board: Fulfilling Your Annual Requirement

5/6: Accurately Completing the SAR Line-by-Line

4/3: C-Suite Series: Enterprise Risk Management: Three Key Risk Assessments

4/24: C-Suite Series: Asset Liability Management Strategies in a Rising Rate Environment

Most webinars are scheduled from 3:00 pm - 4:30 pm EST unless otherwise indicated.

Please visit www.cbaofga.com for webinar details.

To learn more or to register, visit www.cbaofga.com or contact Kristi Greer at Kristi@ cbaofga.com or 770-5414492.

Note: Dates/topics subject to change.

7/11: FinCEN Guidelines on Reporting Elder Financial Exploitation

8/7: New Security Officer Training: Responsibilities, Best Practices & SkillBuilding Tools 11/19: Robbery Preparedness: Meeting Your Annual Compliance Requirement

SENIOR MANAGEMENT 1/14: FFIEC Exam Procedures for Business Continuity 2/7: C-Suite Series: CAMELS Rating for Executives

2/12: Board Reporting Series: Board Secretary Procedural & Compliance Responsibilities 3/5: Board Reporting Series: Essential Board Reporting: Requirements, Timing, Delivery Options, Risks & Concerns 3/7: C-Suite Series: Strategic Decisions Regarding CECL Methodologies, Processes & Governance

W i n t e r 2 0 1 9 | G e org i a Com m un i ti es F i rs t | 21

Th

rough Kn le ow dge.

Success

e d u c at i o n

THE 2019 CBA

UNIVERSITY

SCHOOLS

Monday - Friday, February 11-15 Tuesday - Thursday, February 26-28 Monday - Friday, March 18-22 Monday - Wednesday, April 15-17 Tuesday - Thursday, April 16-18 Tuesday - Friday, June 18 - 21 Tuesday - Thursday, July 23-25 Tuesday - Friday, August 6-9 Tuesday - Thursday, August 6-8 Monday - Thursday, October 21-24

Consumer Lending School | Atlanta Bank Secrecy Act Officer School - The Basics | Atlanta Commercial Lending School | Atlanta The Fundamentals of Secondary Mortgage Lending | Atlanta Training the Credit Analyst | Atlanta Compliance Management School | Braselton Advanced Commercial Lending School | Atlanta Advanced BSA Officer School | St. Simons Island Consumer and Commercial Loan Documentation Boot Camp | Atlanta Compliance Lending School | Young Harris

Dates/locations subject to change. For most current listing, visit www.cbaofga.com or contact the CBA.

2 2 | ww w.cbaofga.co m | Winter 2019

e d u c at i o n

Community Bank Professional Development

Education Buzz Kristi Greer

Director of Professional Development

What’s your learning resolution for 2019? As you make plans to better your diet, exercise more, or create a bucket list, we encourage you to take a moment to envision your professional development goals. Ask yourself and your bank team members these questions: What education do we need to align with our organizational goals and our mission; what do our leaders and employees need to understand and know how to do; and, have we created a budget for our education needs to support employee engagement and motivation?

CBA of GA’s Education works to serve you and your community bank professional development needs. Tell us what we can do to better serve you; contact us to discuss your goals, needs and suggestions as we enhance your

learning experience. When you call us, don’t forget to mention the 20% coupon you received in our membership mailings.* *Note: The 20% off your next class coupon is valid for one CBA educational offering in 2019. Restrictions apply. Discount must be redeemed by June 30, 2019. To redeem, please call CBA at (770) 541-4490/(800) 648-8215.

0 2 20 0 2 20

% Your Next OFF % You in xt2019!

Classr Ne OFF

Class in 2019!

by June 30, 2019.

Restrictions may apply. Discount must be redeemed Valid for any one CBA Educational offering in 2019. at (770) 541-4490/ per bank. To register and redeem, please call CBA Discount is limited to one attendee registration (800) 648-8215.

by June 30, 2019.

Restrictions may apply. Discount must be redeemed Valid for any one CBA Educational offering in 2019. at (770) 541-4490/ per bank. To register and redeem, please call CBA Discount is limited to one attendee registration (800) 648-8215.

% Your Next OFF % You in xt2019!

Classr Ne OFF

Class in 2019!

by June 30, 2019.

Restrictions may apply. Discount must be redeemed Valid for any one CBA Educational offering in 2019. at (770) 541-4490/ per bank. To register and redeem, please call CBA Discount is limited to one attendee registration (800) 648-8215.

by June 30, 2019.

Restrictions may apply. Discount must be redeemed Valid for any one CBA Educational offering in 2019. at (770) 541-4490/ per bank. To register and redeem, please call CBA Discount is limited to one attendee registration (800) 648-8215.

0 2 20

% Your Next OFF % You in xt2019!

Classr Ne OFF

Class in 2019!

by June 30, 2019.

Restrictions may apply. Discount must be redeemed Valid for any one CBA Educational offering in 2019. at (770) 541-4490/ per bank. To register and redeem, please call CBA Discount is limited to one attendee registration (800) 648-8215.

by June 30, 2019.

Restrictions may apply. Discount must be redeemed Valid for any one CBA Educational offering in 2019. at (770) 541-4490/ per bank. To register and redeem, please call CBA Discount is limited to one attendee registration 648-8215.

(800)

At Stokes Carmichael & Ernst LLP, we have been bringing “The Power of Legal Knowledge®” to the challenges faced by the financial community in the areas of credit and collections, banking litigation, fraudulent conveyance litigation, bankruptcy representation, defense of lawsuits, and loan workouts since we opened in 1972.

Our clients appreciate the “Real World Legal Solutions®” that we bring to the myriad legal matters facing banks today. We welcome the opportunity to put our experience to work for you. Please contact us to discuss how we can help you optimize recoveries for your bank.

47

1972 -2019

YEARS STRIVING FOR EXCELLENCE

Stokes Carmichael & Ernst LLP

Stokes Carmichael & Ernst LLP scelaw.com | mje@scelaw.com 404.352.1465 x441

THE POWER OF LEGAL KNOWLEDGE® W i n t e r 2 0 1 9 | G e org i a Com m un i ti es F i rs t | 23

e d u c at i o n

2019

Compliance Program your key to success. membership now open!

Join our annual compliance membership to take full advantage of great education programs. Members rave about how much they learn, take back to their financial institution for implementations and updates to ensure they are complying with bank regulations while completing their annual training requirements.

Each compliance program is an in-depth look at new regulations and changes to existing laws and regulations. Attendees will receive a detailed manual which includes sample policies to support policy and procedure development, suggested training ideas, while serving as a resource tool for your bank.

membership Benefits Quarterly educational programs, ProBank Austin’s InCompliance quarterly newsletter and resource helpline, round table discussions, online networking forums, and discount pricing on other compliance programs we offer through-out the year.

2019 Compliance Program Schedule Compliance Program I - “TRID: Facing the Challenges”

Compliance Program III - “Georgia Deposit Documentation”

•

• •

• • • •

Tuesday, March 12, 2019 - Hilton Garden Inn at Savannah Airport Wednesday, March 13, 2019 - UGA Campus Conference Center - Tifton Tuesday, March 26, 2019 - Embassy Suites at Sugarloaf Duluth Wednesday, March 27, 2019 - Hampton Inn & Suites - Rome Thursday, March 28, 2019 - Idle Hour Country Club - Macon

Compliance Program II - “ACH Compliance Processing” • • • • •

Tuesday, May 7, 2019 - Hilton Garden Inn at Savannah Airport Wednesday, May 8, 2019 - UGA Campus Conference Center - Tifton Thursday, May 9, 2019 - Idle Hour Country Club - Macon Tuesday, May 21, 2019 - Embassy Suites at Sugarloaf - Duluth Wednesday, May 22, 2019 - Hampton Inn & Suites - Rome

• • •

Tuesday, September 24, 2019 - Hilton Garden Inn at Savannah Airport Wednesday, September 25, 2019 - UGA Campus Conference Center Tifton Thursday, September 26, 2019 - Idle Hour Country Club –Macon Tuesday, October 8, 2019 - Embassy Suites at Sugarloaf - Duluth Wednesday, October 9, 2019 - Hampton Inn & Suites - Rome

Compliance Program IV - “Bank Secrecy Act/Anti-Money Laundering” • • • • •

Tuesday, December 3, 2019 - Hilton Garden Inn at Savannah Airport Wednesday, December 4, 2019 - UGA Campus Conference Center Tifton Thursday, December 5, 2019 - Idle Hour Country Club - Macon Wednesday, December 11, 2019 - Embassy Suites at Sugarloaf Duluth Thursday, December 12, 2019 - Hampton Inn & Suites – Rome

Save the Dates!

Lake Lanier 2 4 | ww w.cbaofga.co m | Winter 2019

•

Bank Security/Workplace Violence - Thursday - Friday, June 13 - 14 | Lake Lanier Islands

•

Director’s College - Wednesday, July 17 | Lake Oconee

•

Cyber Risk Summit - Thursday - Friday, August 22-23 | Savannah

•

CFO Conference - October | TBA

e d u c at i o n

Find the Class that’s right for you!

Are you looking for a professional development opportunity specific for your functional area? If you don’t see something here you need, call our education team for assistance. Programs are being added throughout the year. Check out our website listing for specifics.

Frontline & Retail Banking

Bank Support Areas

The Basics of Traditional & Roth IRAs

The Basics of Traditional & Roth IRAs

February

February

Business Development Workshop

Auditing in Action

Lending

Consumer Lending School Mastering HMDA

March

March

February

February

Business Development Workshop

Advertising Compliance Boot Camp

March

Branch Managment Series

Training the Credit Analyst

March, May, June, December

April

Commercial Lending School

Bank Security & Workplace Violence

Universal Banker June

June Sr. Retail Banking Officer Forums

Cyber Risk Summit August

Jan, May, August

Compliance

March & October The Fundamentals of Secondary Mortgage Lending

February TRID: The Basics February & April Mortgage Lending: Start to Finish March

April Advanced Commercial Lending School

Compliance with Construction Loans

July

April

2019

Georgia Financial Directory For more information, contact Lindsay Greene at (770) 541-0376 or lindsay@cbaofga.com.

18

20 RGIA GEONCIAL IN F A CTORY E DIR w

re e a

mun com

We are comm

unity banking.

nk i n g . ity ba

the sary of eorgia G nniver th 50 A ssociation of ng the Marki Bankers A nity mu Com

2016 GEORGIA FINANCIAL DIRECTORY

The 2019 Georgia Financial Directory is your complete resource within the Georgia financial industry and contains information on banks, holding companies, banking products and services, and more.

CBA would like to ensure your bank or company’s info is upto-date for the 2019 Georgia Financial Directory. Bankers will receive a form from the publisher in late January asking them to update information and CBA will be contacting all Associate Members to update information. Directories will be shipped in early June.

Since all CBA members receive a free copy, advertising in the directory is a smart way to keep your company in front of our membership throughout the year.

2016 directory-cover

.indd 1 2/1/2016 12:33:10 PM

W i n t e r 2 0 1 9 | G e org i a Com m un i ti es F i rs t | 25

member services

Thank You, Associate Members!

When Georgia’s community bankers are looking to do business, they look to CBA Associate Members first. All Associate Members are board-approved companies who offer top-notch products and services designed to help community banks succeed.

What’s more, CBA Associate Members support the association with their sponsorships, advertising, informative articles, and participation in CBA programs. We salute this group of professionals and offer our sincere gratitude!

7(A) Funding Group, LLC

Econocheck

A.D.E. Builders, Inc.

Elliott Davis Decosimo

Abernathy Bank Consulting

Bitcoin Depot

Equias Alliance

Blanchard Consulting Group

Evans, Simpson & Associates, Inc.

Bransford & Associates LLC

Eversheds Sutherland, LLP

Adams and Reese, LLP

Carr, Riggs & Ingram, LLC

All Covered

Cash Transactions, LLC

Alston & Bird LLP

CBIZ

Farmer Mac

CenterState Bank

Federal Home Loan Bank of Atlanta

Check Printing Solutions

FEMAC Security Solutions

Compensation Advisors

FIG Partners Financial Institution Strategies Group, LLC

ATM Solutions ATM USA, LLC Atris Technology

Consolidated Banking Services, Inc.

Finosec

Continuity

First Data

Cox Media Group

First National Bankers Bank FirstBank Mortgage Partners FIS

Balch & Bingham LLP

Fiserv

Banc Consulting Partners BancCard BancLeasing

CRS Data

Fowler, Holley, Rambo & Stalvey, PC

Bank Compensation Consulting, Inc.

CSRA Business Lending

G.T. Solutions

Bankers Healthcare Group, Inc.

Cummins-Allison Corporation

Bankers-Insight Group, LLC

Cypress Resources

Bank Line

Dabbs, Hickman, Hill & Cannon, LLP

Banks Street Partners

Darnel Quick Recovery, Inc.

BankSmart

Georgia Department of Community Affairs Georgia Development Authority

Barret School of Banking

DeNyse Companies

Gerrish Smith Tuck, PC

BBVA Compass - Correspondent Banking

Dodgen Security Consulting, LLC

GFG Strategic Advisors

BDS Technology, Inc.

DoverStaffing

GlassRatner Advisory & Capital Group, LLC

Bennett Thrasher

Drew Eckl & Farnham, LLP

Berman Fink Van Horn P.C.

Eclipse Brand Builders

2 6 | ww w.cbaofga.co m | Winter 2019

Gulf Coast Business Credit Hamilton Mortgage Corporation

member services NXG Strategies Hartman Simons & Wood LLP High Cotton

Steve H. Powell & Company OSC Kistler Financial Insurance

Stifel Financial Corp.

Oxford Center for Entrepreneurs

Stokes Carmichael & Ernst LLP

Homeowners Mortgage Enterprises, Inc.

P2Binvestor

StrategyCorps

Hutchins Clenney Rumsey Huckaby, P.C.

PaymentsFirst

i7 strategies

PCBB

SysArc Infomatix Pvt. Ltd.

ICBA Securities Integration 4.0 Inc

Perfect Image

Igler and Pearlman, P.A.

Performance Solutions Inc.

Independent Community Bankers of America

Persons Banking Company

Integration 4.0 Inc.

Sugar Creek Capital, LLC

The Casey Group

Point to Point Environmental Porter Keadle Moore, LLC

The Independent Bankers Bank

Investa Services

Prime Contractors, Inc.

The James Paul Group

Issuer Direct Corporation

ProBank Austin

The Peachtree Group

Intercept Consulting Group

J Outlaw Consulting, LLC J.B. Lloyd & Associates, LLC Jack Henry Banking James-Bates-Brannan-Groover, LLP King Computer KnowBe4

The Plateau Group, Inc. Publix Presto! Network

The Sweeney Compliance Group LLC

QwickRate

Thompson, O’Brien, Kemp & Nasuti, PC

Raymond James and Associates

TJS Deemer Dana LLP

Renasant Bank Mortgage Lending

Top Flite Funding, Inc

Retail Benefits Inc.

Konica Minolta

Triumph Mortgage

Lee & Mason Financial Services, Inc. Lee Davis Law, LLC

Safe Systems

LenderSelect Mortgage Group

Sageworks

Lloyd Associates

Sandler O’Neill & Partners, L.P.

Macey, Wilensky & Hennings, LLC

SBA Funding Depot, LLC

MainStream Merchant Services

SBA Works

Marlin Financial & Leasing Corp.

Martin Snow, LLP MatchKey Consulting LLC Mather Economics Mauldin & Jenkins

Troutman Sanders LLP TTL, Inc.

USDA - Department of Rural Development

Securian Casualty Company Securitas Financial Services, Inc.

VGM Forbin

ServisFirst Bank

Waites & Foshee Insurance

McCalla Raymer Leibert Pierce, LLC

Warren Averett, LLC

McNair, McLemore, Middlebrooks & Co., LLP

Weissman, Nowack, Curry & Wilco, P.C.

Miller & Martin PLLC

SIO Law Group, LLC

Moore Clarke DuBall & Rodgers, P.C.

Southern Bank Equipment & ATM’s

MSB Compliance

Southern Financial Systems LLC

National Bank Products, Inc.

Speaker Connection

Nelson, Mullins, Riley & Scarborough, LLP

Spectrum Financial Network, Inc.

Newtek Business Services Corp Nichols, Cauley & Associates, LLC

Williamsburg Travel Leaders Wolters Kluwer Worldnet TPS York & Associates, LLC

Spivey, Pope, Green & Greer, LLC Stackfolio

CBA Endorsed Member Company has logo displayed.

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member services

Community Bankers Association of Georgia Endorses

Holtmeyer & Monson & STS Group The Community Bankers Association of Georgia (CBA) has announced its endorsement of Holtmeyer & Monson for SBA Lending services and STS Group for bank security equipment and branch automation technology. The endorsements come after a review by both CBA’s Member Services Committee and the CBA Board of Directors.

Holtmeyer & Monson, which is also a Preferred Service Provider of the Independent Community Bankers Association of America (ICBA), helps banks expertly navigate SBA and USDA lending requirements to capture new revenue opportunities and cultivate stronger community relationships.

There’s never been a better time for community banks to offer government-guaranteed loans as part of their portfolios. Last year, $6 billion in small business loans were made by online lenders, including non-bank entities. By participating in SBA and USDA lending, banks can provide small businesses with much-needed capital that benefits their communities, while also deepening their roots on Main Street.

“As the only Georgia trade association that exclusively represents community banks, we take pride in finding vendor products and services that offer significant value to our members,” stated John McNair, president and CEO of CBA. “Holtmeyer & Monson has a proven track record of helping hundreds of banks extend capital to under-served borrowers in their markets and garner new sources of non-fee

STS Group provides bank security equipment products and services. The company was founded by Scott Couch, a career technician and installer. STS started in Huntsville, Alabama and has grown into a regional company serving Georgia, Alabama and Florida. The fastest growing product solution for the company is new branch technology. STS is viewed as an industry expert on branch automation technology and consults with banks all over the US. “We are pleased to announce the endorsement of STS Group,” stated John McNair. “Having worked in the community banking industry for many years, I understand the importance for our member banks to have strong, reliable service for traditional bank equipment such as drive thru remotes, safes, alarms and cameras. In addition, community banks need a

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income. Equally important, Holtmeyer & Monson has a stellar reputation for adhering to strict business ethics.”

Holtmeyer & Monson has more than 35 years of experience guiding banks through every step of the governmentguaranteed lending process. The company’s experts do all the work—generally at no net cost to the bank. Holtmeyer & Monson’s unique business model mitigates risk and removes virtually all the expense associated with establishing and operating an SBA loan department.

“Whether a bank offers one small business loan per year or 50, we can help them increase their bottom line with SBA and USDA lending,” Arne Monson, president of Holtmeyer & Monson. “Sales of SBA loan guarantees currently earn premiums of seven to 10 percent in the secondary market.

Couple that with our services and no overhead, and SBA lending can be lucrative for Georgia’s community banks. We are honored to receive this endorsement from Community Bankers Association of Georgia.”

For more information, visit www.holtandmon.com or call Arne Monson at (800) 340-7304 or amonson@holtandmon.com.

partner who can also introduce new branch technology like Interactive teller machines, teller cash recyclers and more,” Mr. McNair continued.

CBA Board Member Paul Bennett, Chairman of Pineland Bank, Alma, shared his support of the endorsement, “STS Group has been very responsive and professional. Their industry knowledge makes them a strong partner.”

“STS is one of our strongest partners, and they work with more than 80 percent of the community banks in Alabama.

They view customer service the same way that community banks do. The services and solutions that STS provides to community banks is priceless,” Scott Latham, President & CEO of the Alabama Bankers Association, said.

For more information, visit www.stsgrp.com or call Chris Nelson at (205) 567-3613 or cnelson@stsgrp.com

member services

CBA Celebrates 15-Year Partnership with ACG The Community Bankers Association of Georgia (CBA) and ACG are marking the 15th anniversary of ACG as an Endorsed Member Company. Headquartered in Alpharetta, GA, ACG, is a global leader in the refurbishment of ATMs and the supply of ATM parts to ATM service companies. In addition to ATM refurbishment, ACG’s product portfolio includes spare ATM part solutions, anti-skimming protection solutions, repair, compliance solutions, and more! The company has two additional sales and operational offices located in Las Vegas, Nevada and London for optimal market coverage and customer satisfaction.

“We are pleased to partner with ACG for ATM refurbishment as well Anti-Skimming protection devices,” stated John McNair, President & CEO of Community Bankers Association of Georgia. “Working with ACG offers CBA member banks significant savings on refurbished ATMs plus they have a portfolio of Anti-Skimming solutions to prevent card skimming.”

Phil Winn & Tracy Dobson of ACG

our customers are experiencing. Generally, a refurbished ATM is sold at approximately 60-70% of a “new out of box” ATM. ACG has saved Georgia community banks significant dollars over the years due to this savings.”

Mr. Winn explained that the refurbished ATMs are completely stripped down to the safe, then sanded, repainted and rebuilt. Often the rebuild includes the addition of the latest technology desired and replacement with new components.

He noted that refurbished ATMs are expected to be in demand in 2019 with the need for financial institutions to upgrade to Windows 10.

ACG has been a CBA Endorsed Member Company since 2004 which means that ACG has gone through an annual review by both the CBA staff and the CBA Member Services Committee.

“We are honored to continue our partnership with Community Bankers Association of Georgia,” commented Phil Winn, President of ACG. “Our company refurbishes approximately 3,000 ATMs a year and have first-hand knowledge of the savings

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member services

Meet Our

Associate Members

Jeffrey Reeves from High Cotton

Jeffrey Reeves

In this issue, CBA is pleased to feature Jeffrey Reeves, of High Cotton in Birmingham, Alabama. CBA invited Jeffrey to participate in a Q & A so you can learn more about this Associate Member and a little more about Jeffrey.

Tell us about High Cotton and your role with the company: For over 55 years, High Cotton has delivered client communication solutions. By utilizing the latest technologies, they provide customers peace of mind that their statements and notices, both electronic and paper, are secure, accurate and delivered on time. Senior Business Development Manager, Jeffrey Reeves, has been with High Cotton for over a decade. His understanding of Community Banks goes back some 25 years where he was employed with a Community Bank that had an active footprint in Georgia.

What’s the biggest benefit of Associate Membership with CBA? High Cotton’s Associate Membership with the CBA of GA has introduced Jeffrey to numerous individuals and Community Banks Raegan & Christy

over the past 10 years and has allowed High Cotton to be selected as the Vendor of Choice to provide their outsourcing solution.

Interesting facts about you – Education, family, hobbies, etc.

Jeffrey and his wife Christy have been married for 10 years and have a 4 year old daughter Ready for the next big adventure! named Raegan. Jeffrey and Christy enjoy introducing their daughter to new experiences and making memories. Their next big memory planned is Thanksgiving at Disney World!

Another interesting fact, Jeffrey can talk like Donald Duck.

The next time you see him at a CBA of GA event, ask him to say something, he will be more than willing. He will also be more than willing to talk to you about any pain points, business requirements and goals you have regarding your outsourcing needs, and how High Cotton can help meet those needs to bring you peace of mind as well. For more information, contact Jeffrey at (205) 838-2826 or jreeves@highcottonusa.com, or visit www.highcottonusa.com.

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3 0 | ww w.cbaofga.co m | Winter 2019

member services

CBA’s Memorial Scholarships

Now Accepting applications!

On behalf of the Community Bankers Association of Georgia (CBA), we are proud to offer the 2019 Julian & Jan Hester Memorial Scholarship and the J. Steven Walraven Scholarship!

The Hester Scholarship is open to Georgia high school seniors who will be entering a Georgia college, university or technical school (two year program or more) in the fall semester of 2019. The scholarship is named after the late Jan Hester, daughter of Lalia and the late Julian Hester, long-time CEO of the hi p cholars S CBA. The four winning recipients r e t 2019 Hes will each be awarded a $1,000 scholarship.

“CBA is pleased to assist deserving students in their first year of college while honoring the memory of Jan and Julian Hester,” stated John McNair, President & CEO of Community Bankers Association of Georgia (CBA). “Thanks to the generosity of our bankers and associate members, the Education Foundation is fully funded which means the Scholarship Program is completely self-sufficient, giving support to generations of Georgia’s students in the future,” explained Mr. McNair.

The Walraven Scholarship is awarded in the amount of $500 to a bank employee who desires to continue their education while working full-time at a CBA member bank. The scholarship is named after the late J. Steven Walraven, an active 2019 Walraven Scholarship community banker who exemplified professionalism and community involvement. To compete, employees must write a short essay on how community banking has impacted their life and how it will enable them to give back to their community.

Applications for either scholarship should be returned to the bank no later than Friday, April 5, 2019. All completed applications should be submitted by the bank to CBA no later than Friday, April 12, 2019. Only complete applications will be eligible. A panel of independent judges will review the applications and winners will be announced in late April 2019.

CBA’s Leadership Division proudly assists with this initiative.

Please visit www.cbaofga.com to download the scholarship application and encourage participation from your community. For more information on the Hester Scholarship, please contact Peake Wilson at peake@cbaofga.com. For more information on the Walraven Scholarship, please contact Jeremy Thomens at jeremy@cbaofga.com.

YOUR NEW PROGRAM IS ABOUT TO BEGIN. It’s time to take a look at the new Community Bankers of Georgia Program with Staples Business Advantage®.

The CBAG agreement offers a core list of commonly-ordered items & allows for market competitive pricing.

Staples Business Advantage has competitive offerings in Coffee & Breakroom, Janitorial-Sanitation Products, Promotional Products, Custom Printing, Technology Products and Furniture.

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Contact Cindy Stapleton, cindy.stapleton@staples.com or 404-317-5669.

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member services

member services

CBA Endorsed Member Company

Spotlight

David saylor of genesys technology group

In this issue, CBA is pleased to feature David Saylor, President/ Founder, Genesys Technology Group, Norcross, Georgia.

David Saylor

CBA invited David to participate in a Q & A so you can learn more about this Endorsed Member Company and a little more about David.

Tell us about BFS Group and your role with the company: I started Genesys back in 2007 after selling core technology to community banks for the better part of a decade. I felt that banks needed an advocate when it came to evaluating and selecting high-risk vendors as well as negotiating the agreements that govern those relationships. Back in 2007 it was just me and since then we have grown to a team of nine highly motivated, highly passionate individuals who love helping community banks make sense of their technology.

How do you help Georgia’s Community Banks?

There are two sides to Genesys. We have our Core Services division that helps community banks evaluate technology and negotiate the contracts.

We have another side of the house, our Support Services side, that brings certified project managers to our clients.

Support Services manages conversions, mergers, product implementations, new product launches and just about any other project a community bank may need help tackling. We have a great team that are talented at becoming an extension of our customer’s team.

What’s new? Any hot products?

Our bread and butter are core renewals, core evaluations, vendor consolidation, in-house to outsource analyses and merger/ acquisitions. Merger and Acquisitions are really hot right now.

We help banks who are the acquiring institution size up and conduct due diligence on the systems of the bank they are acquiring. We also help negotiate all the contracts with high-risk technology vendors and manage the merger of the acquired bank into the acquiring institutions operating environment. It is really a lot of fun.

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Interesting facts about you – Education, family, hobbies, etc.

First and foremost, I am a fan of God. Life is not always easy but if you keep Him in your crosshairs you are going make it through anything that comes your way. Jesus Christ is an amazing role model and I love telling people to spend a few minutes every day in the “red words”. If you read the New Testament the words that came out of Christ’s mouth are usually in red font. Internalize some red words every day to keep you centered.

Next, I love my bride. I married up… no doubt about it. She is crazy smart and crazy beautiful and the most compassionate and caring person I know. January 22nd is our 25-year anniversary and honestly, I cannot wait to be empty-nesters. Not that I don’t love my kids, but Denise and I have such a good time together that I am looking forward to some travel and down time with my bride.

I used to be a decent golfer but when I started Genesys I pretty much gave that up. Not enough time. I left the game of golf behind as a seven handicap and honestly never looked back.

Family is too important, and you cannot start a business, raise a family AND golf. I still like to stay fit and I usually am in the Crossfit gym at lunch every week day when I am home. I will also visit a gym when I am on the road as well, it is fun to visit other gyms and meet their coaches and staff. At my age (48), it gets harder and harder to stay in shape. I love Olympic lifts with the barbell and seeing if I can keep up with the young guys in our gym.

I am also really passionate about leading middle-school young men into a faith of their own. Every three-years I embark on a new journey with a group of young men. We start in sixthgrade and end as they move up into high-school.

member services

My favorite past-time is hunting. Deer and turkey mostly, but being in the woods when the woods are waking up is how I fill my tanks. Every moment in the woods is a gift. If I had to pick between the two, turkey hunting would be my favorite.

Nothing like calling in a long-beard and having him gobble back at you. We have hunting property in Northeast Alabama and it is heaven on earth. March 15th (start of turkey season) cannot come fast enough.

For more information on Genesys Technology Group, contact David at (770) 729-4140 or david@genesystg.com.

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W i n t e r 2 0 1 9 | G e org i a Com m un i ti es F i rs t | 33

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member services

Regulatory Priorities: A Look into 2019

If you’ve read any recent headlines on the banking industry, you’ve likely seen some combination of the following: record profitability, strong asset quality, and expanding margins. There is plenty of great news out there; however, you will never get the “everything is perfect” rhetoric from the regulators…trust me, I used to be one. Even with a thriving industry, the regulators are always reluctant to get too comfortable, and they definitely don’t want bankers to get too comfortable. Here is my Regulatory Priority List for 2019.

•

Credit Risk – Yes, even with the low charge-off and past due numbers in the industry, credit risk remains a critical regulatory concern. Credit risk should always be on the list, as this is the most likely cause of bank failures. However, we saw zero bank failures in all of 2018. So why now the big concern with credit risk? In 2018, many banks experienced strong loan demand, and as of 3Q 2018, seventy-two percent of banks saw increases in their loan and lease balances from the previous quarter. Loan-to-deposit ratios have increased to pre-financial crisis levels. Additionally, the regulators have identified incremental easing in credit underwriting standards for several years.

Recommendation: Ensure any underwriting and credit administration practices are strong, and exceptions to policy are properly identified, tracked, and documented.

•

Liquidity Risk – In the eyes of the regulators, more loans equal less on-balance-sheet liquidity. Higher loan-to-deposit and loan-to-asset ratios have reduced on-balance-sheet liquidity for many banks. Additionally, reliance on wholesale funding has steadily increased.

Recommendation: Conduct forward-looking cash flow liquidity analysis and run quarterly stress tests to that cash flow analysis. Ensure your liquidity stress testing process is intertwined with your contingency funding planning.

As always run a scenario where you are considered “less than well-capitalized” and consider the effects to your contingency liability sources.

•

Interest Rate Risk – Interest rates have nowhere to go but up, right? We will see about that; however, the regulators have been in our ear about rising interest rates since they were last cut by the Fed in late 2008. There are two major concerns: 1. As rates have increased, some institutions have had to pay up more rapidly on their deposits in order to keep them. These increased liability costs have translated into a more challenging net interest margin picture for them.

Others have been fortunate enough to “lag and drag” the Fed’s rate hikes, and have seen their margins expand.

However, deposit competition has been heating up as of late and the Fed is now well into its tightening phase.

2. Since the historical fall in rates, money has flown into non-maturity deposits (NMDs) at a rapid pace. These low cost NMDs have benefited banks for years, but it is unknown whether depositors will now seek higherdeposit rates at other institutions or shift into higheryielding time deposits.

Recommendation: Stress test your earnings at risk and capital at risk by changing underlying assumptions on your NMDs (repricing betas and time lags). Additionally, simulate a migration of your lower costing NMDs into higher costing time deposits and/or wholesale funding.

•

Cybersecurity Risk – I don’t see cybersecurity risk going away anytime soon and I’m sure you don’t either. Additionally, one could easily argue that it is only going to increase each year.

Banks rely heavily on third-party service providers for their IT and cybersecurity systems. The regulators expect continued due diligence with respect to third-party service providers.

Recommendation: Utilize the publicly available resources from the regulatory agencies including the FFIEC’s Cybersecurity Assessment Tool and the FDIC’s Information Technology Risk Examination work program.

The Cybersecurity Assessment Tool will help look at your cybersecurity preparedness, and the FDIC work program will give you insight into what examiners will be assessing you on.

2018 was a great year for banking; however, the regulators feel that 2019 may present additional challenges and risks. Whether your next examination starts this coming Monday or in eighteen months, always strive to improve your risk management processes.

Dale Sheller is Senior Vice President in the Financial Strategies Group at The Baker Group. Contact: 800-937-2257, dsheller@GoBaker.com.

Dale Sheller

Vice President, Financial Strategies Group The Baker Group A CBA Endorsed Member Company

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member services

Cybersecurity – How Your Retirement Plan Participants Can Help Thwart Potential Hackers

Total US retirement assets surpassed $26.1 trillion in 2017 according to the American Society of Pension Professionals & Actuaries (ASPPA). As a significant investment for many Americans, retirement assets are an attractive target for many hackers globally.

This growing threat is compounded by the fact that most people check their retirement accounts sporadically and not nearly as often as other accounts, such as checking accounts or credit cards. A cursory quarterly glance when a retirement statement is available may be the only review these accounts ever receive, which makes fraudulent activity potentially easier for the unscrupulous hacker lurking on the dark net.

Prevention Is Only As Good As Participation While retirement plan providers and plan sponsors continue to implement multi-level security protocol and procedures to proactively prevent cybersecurity breaches, retirement plan participants also have an active role to play in safeguarding their retirement accounts. In reality, retirement plan security measures are only as good as their adoption by plan participants. With this in mind, there are a number of proactive, common sense steps participants can take now to prevent future fraudulent activity. These protective measures include the following:

Access Account Information Wisely: • Don’t access financial accounts on public Wi-Fi. • Don’t use public computers to check accounts.

Prevent and Protect Against Phishing And Hacking: • Don’t respond to suspicious email or phishing and never open or download suspicious attachments.

• Protect against malware by installing a security suite or program that includes antivirus, antispam and malware protection.

• Ensure that the answers set up for online security questions are not composed of publicly available information such as a birth date, child’s first name or anything readily available on social media.

Pentegra Can Help As cybersecurity threats intensify and hackers gain more access to personal information, proactive steps to protect personal information and access to retirement accounts is key. Reminding participants of their part to play and the ways they can protect their retirement accounts will help to thwart fraudulent activity in the future. Pentegra can help with any questions you may have.

Author: Wade Connor, Regional Director, Pentegra Retirement Services. wconnor@pentegra.com, Phone 800-872-3473, 701 Westchester Avenue, Suite 320E, White Plains, NY 10604

Monitor Retirement Accounts: • Check retirement accounts regularly and immediately report any suspicious activity.

Protect Passwords: • Create strong passwords that are different from the passwords used on other sites and include letters, numbers and special characters.

• Don’t reuse passwords.

• Avoid sharing passwords.

• Change a password at least every 90 days.

• If a browser gives the option to remember a password, just say no.

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Wade Connor

Regional Director Pentegra Retirement Services A CBA Endorsed Member Company

2019 Endorsed Member Companies ACG | Refurbished ATMs Phil Winn | Phil.Winn@acgworld.com | (678) 458-9899​

Kasasa | Branded Suite of Banking Products Shanna James | shanna.james@kasasa.com | (512) 582-7174

Ameriprise Financial Institutions Group (Formerly Investment Professionals, Inc.) | In-Bank Retail Investment Services William J Lavender | j.lavender@ampf.com | (210) 288-1981

OnCourse Learning | Online Training Craig Johnson | cjohnson@oncourselearning.com (404) 476-3460

ATM Response | ATM Service & Cash Logistics Tony Webb | twebb@atmresponse.com | (770) 855-2989

Pentegra | 401k/Retirement Planning Wade Connor | wade.connor@pentegra.com | (704) 608-4563

Bahr Consultants, Inc. | Insurance Review Hank Bahr | hank@bahrconsultantsinc.com | (865) 694-6098

S&P Global Market Intelligence (Formerly SNL Financial) | Financial Data Colin Wyatt | Colin.Wyatt@spglobal.com | (434) 817-5475

BankTrends | Peer Analysis Michael Stinson | michael@bank-trends.com | (877) 717-6743

SecureWorks | Managed Internet Security Program Hourieh Clark | hclark@secureworks.com | (678) 225-8707

BFS Group | BOLI & Executive Benefits John Gianacaci | JGianacaci@bfsgroup.com | (609) 915-9168

SHAZAM | Debit Card/EFT Processing Alex Jernigan | jjernig@Shazam.net | (229) 220-0064

Computer Services, Inc. | Secure-Connect for Directors Andy Lapp | andy.lapp@csiweb.com | (800) 545-4274, ext. 16064

Staples | Office Supply Program Lexie Cook | alexis.cook@staples.com | (912) 656-1852

CRA Partners | Senior Housing Crime Prevention Sue Shaffer | sue.shaffer@shcpfoundation.org (901) 529-4787

STS Group | Bank Security Equipment & Branch Automation Technology Chris Nelson | cnelson@stsgrp.com | (205) 567-3613

Crescent Mortgage | Secondary Market Mortgage Services Ashli Matson | amatson@crescentmortgage.net (770) 714-5417 The Eversole Group, LLC | Marketing Program Craig Eversole | craig@theeversolegroup.com (601) 977-5225 Executive Insurance Agency, Inc. | VSI Program Ryan Sower | ryan@executiveinsuranceagency.com (770) 474-2355 Fitech Payments | Merchant Services Matt Mingenback | mmingenback@fitech.com | (316) 518-8850 Genesys Technology Group, LLC | Vendor Renewal & Evaluation David Saylor | david@genesystg.com | (770) 729-4139 Harland Clarke | Check Program Ryan Busenitz | Ryan.Busenitz@harlandclarke.com | (678) 595-0625 Holtmeyer & Monson | SBA Lending Arne Monson | amonson@holtandmon.com | (800) 340-7304

The Baker Group | Portfolio Management & Asset/Liability Strategies Paul Clanton | pclanton@gobaker.com | (405) 415-7337 Travelers | Insurance/D & O/ Bond Program Diana Baker | dcbaker@travelers.com | (678) 317-7882 UPS | Overnight Delivery Program Monica Sterk | msterk@ups.com | (800) 531-7917 UtiliComm Solutions, Inc. | Telecommunications Mark Tressler | mtressler@utilicomm.com | (678) 965-2256 William Mills Agency | Public Relations & Marketing William Mills | william@williammills.com | (678) 781-7200 Promontory Interfinancial Network, LLC Bank Assetpoint/Insured Cash Sweep (ICS) Danny Capitel | dcapitel@promnetwork.com | (770) 630-6796 *Cooperative Marketing Alliance

For more information on these providers, special discounts for CBA member banks, or to learn about the endorsement process, contact Lindsay Greene at (770) 541-0376 or lindsay@cbaofga.com.

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Presort Standard U.S. Postage Paid Alpharetta, GA Permit 864

1900 The Exchange, Suite 600 Atlanta, GA 30339 www.cbaofga.com