March 30, 2018       

General Assembly Session Wrapping Up
At press time for this issue, the Georgia General Assembly was moving through its final day of the legislative session. Our team has been on site at the Capitol for all of the final day's activity to ensure the industry positions are covered in any last-minute legislative activity. Be on the lookout for a wrap-up Legislative Update once the gavel drops and sine die is declared.
GBA Advocacy
Regulatory Relief Bill Needs to be Passed

GBA joined with our colleagues at the Community Bankers Association of Georgia and the Georgia Credit Union Affiliates sending a joint letter to the Georgia House delegation calling on the U.S. House of Representatives to pass S. 2155, the bipartisan regulatory relief bill recently passed by the Senate. The Senate bill was mostly comprised of previously House-passed bills and would be the first step by Congress making much-needed changes to the Dodd-Frank Act. If you see your member of Congress while they’re home during the district work period, please join us in encouraging them to support the bill. There’s been quite a bit of press interest in the regulatory reform package. The Atlanta Business Chronicle ran an article last week giving an overview of the legislation and outlining the intent to simplify many parts of the Dodd-Frank act for community banks while ensuring appropriate oversight for safety and soundness as well as appropriate consumer protections. GBA President and CEO Joe Brannen was a resource for the reporter covering the story, and he’s quoted. Read the story here...
Modernizing CRA on Fed’s Mind
Simpler, more efficient and more transparent supervision is an area of focus for the Federal Reserve right now, said Randal Quarles, the Federal Reserve vice chairman for Supervision, during a talk in Atlanta this week. Quarles noted the agency is looking at revising the Community Reinvestment Act regulations and the way the agency examines for CRA compliance. He told the audience at Operation Hope’s Global Forum to expect a formal request for comment in the coming weeks. Advances in technology and other shifts in the industry make the time right for updated approaches, he said. “We continue to study these shifts, and share the common goal of improving the current supervisory and regulatory framework for CRA to further the statute’s core objective of promoting access to credit and financial inclusion.”
Key Items in Government Funding Bill
There are several key banking-related items included in the federal spending bill to fund the government through Sept. 30 signed March 23. SBA 7(a) and 504 loan program caps rise to $29 billion and $7.5 billion, respectively. The CDFI Fund will be fully funded. There’s an increase of 12.5 percent for the low-income housing tax credit allocations for 2018-2021, and an extension of the National Flood Insurance Program through July 31.
GBA Member Profile
The Rules May Change, but the Pledge Remains the Same for Frederick

When Altamaha Bank & Trust Company’s Brian Frederick began his banking career 25 years ago, he figured out quickly that he would need a good mentor to give him direction and advice if he wanted to be successful. He told us he was lucky enough to find two individuals, who likely are familiar names to a lot of Georgia Bankers, to guide him. Find out who they were and learn more about Frederick, this year’s chair of the GBA Security Committee, in this week’s GBA member profile here. He also shared with us what he is specifically looking forward to at our upcoming Bank Security Conference. Learn more about the conference below.
GBA Bank Security Conference Coming Up - Still Time to Register
Be sure your bank’s security officer is among the big crowd who will attend GBA’s Bank Security Conference, coming up week after next, April 12-13 at The King and Prince Hotel on St. Simons. Click here to see a detailed agenda and to register online. The GBA room block at the King and Prince is now full. Contact the hotel at 800.342.0212 to double-check availability or to be waitlisted. The hotel-recommended alternative for accommodations is the nearby Home 2 Suites by Hilton. Questions? Contact GBA’s Kathy Friestad, 404.420.2024.
Miller shown signing GBA’s priority bill in the 1996 legislative session
Passing of Legend - Zell Miller
We join his family, friends and other Georgians who mourn the passing of Zell Miller last week after a long battle with Parkinson’s Disease. A fixture in Georgia political circles for decades, Miller was best known for his love of his family, the mountain communities of north Georgia and the hard working families he fought for his entire life. Over 1.8 million Georgians have benefitted from his HOPE scholarship vision. “Georgia bankers should especially pause to honor this great Georgian. He never once waivered in his support for our industry. He knew the important role bankers play in building up communities and he always supported free and open competition. As a state senator, the longest serving Lt. Gov. in Georgia history, a two-term Governor and U.S. Senator, Miller was a constant source of strength and we are all better because of his service,” said GBA president and CEO Joe Brannen. Read more about Governor Miller here...
Official Deadline is Friday - Volunteer for a GBA Committee!
Just a reminder that March 30 is the deadline to submit volunteer and nomination forms for our standing committees and Boards. If you are still working on approval to volunteer, don’t let the deadline stop you - please submit forms as soon as possible. Getting involved in this way is a great way to meet people, learn and share, and to give back to banking. Click here to read more about nominations for GBA's committees and boards and their roles. Contact GBA’s Kathy Friestad with questions at 404.420.2024.
Leadership Conference Brochures Available
Brochures detailing GBA’s 2018 Leadership Conference, July 16-19 at Ponte Vedra Inn & Club, are included in this week’s Bulletin and on GBA’s website. The Leadership GBA Executive Committee has planned a great program. Access the brochure here and the detailed online registration form here. With questions about the conference or Leadership GBA in general, contact GBA’s Susie McGehee at 404.420.2010.
Take Advantage of Tours and Activities at GBA Annual Meeting
Program content and networking always are top reasons to come to GBA’s 2018 Annual Meeting. But, there’s also going to be no shortage of tours and activities for groups of bankers visiting California. Half Moon Bay offers incredibly unique experiences year-round, but we have picked out some of the best to offer attendees this year. Whether you’re looking for outdoor thrills or educational and cultural activities, there is no shortage of activities in and around the area. Click here for complete details about everything we have scheduled....
Last call for Two Important Programs!
Documenting Debit Card Risk Assessment - April 3, 2:30 p.m.

GBA’s Documenting Your Debit Card Risk Assessment webinar will focus on all applicable risks including operational, fraud, third party, compliance, reputational and credit risks impacting your bank’s debit card program and outline those areas that should be examined periodically to ensure your bank’s debit card program is sustainable and scalable based on regulatory guidance, expectations and incident response plans. Click here to register...
Current Expected Credit Loss (CECL) Workshop - April 4
GBA’s Current Expected Credit Loss (CECL) Workshop is April 4 at Idle Hour Country Club in Macon. Representatives from Mauldin & Jenkins and Bryan Cave, LLP will go over a summary of the final CECL standard, where you should be at this point in the process, methodologies to meet the new requirements, data challenges of the new CECL model, how you can use what you have currently have but with required modifications to address CECL, strategic implications of the Tax Cuts and Jobs Act on financial institutions and emerging legal and compliance issues. Click here to register online...
Nominate a Young Banker for National Recognition
Help us continue to recognize the outstanding Georgians who happen to be bankers by making a nomination for one of your bank standouts to a national awards program. Banking Exchange Magazine is taking nominations for its annual 20 under 40 awards. The goal is to highlight the people who will help banks thrive in the next decade—noteworthy next-gen bankers under the age of 40. There is no charge for entering a nomination. The rules are spelled out here. A panel of judges will choose the 20 "best of the best," who will be featured in Banking Exchange’s June issue. Deadline for entries is midnight of April 22.
Mark Your Calendar for Aug 23-24 Conference
Women in Banking Committee Meets

We’re starting to gear up for our annual two-day Women in Banking Conference, which this year will be Aug. 23-24. Our committee of 13 member representatives met Thursday at the GBA offices to start mapping out the program. We’ll feature economic and legislative updates as well as a variety of leadership, management and life-skill sessions. Look for full details and registration information soon.
Summer Deadline - April 15
New Compliance Juris Master Degree Opportunity

We’ve got a great new career development offering for Georgia bank compliance professionals. We are proud to partner with the Florida State University (FSU) College of Law to sponsor a Juris Masters (JM) program in financial services compliance. The JM program is offered entirely online through the FSU College of Law and takes about 18 months to complete (depending on course load). The application deadline for enrollment in the Summer 2018 program is April 15 and the Fall 2018 enrollment deadline is July 31. Learn more about the program here...
GBA-U Seminars
Accounting Changes, Lending, New Accounts Front-and-Center in April
Career bankers at any level will benefit from our lineup of timely and informative seminars coming up in April. See below for the schedule of upcoming GBA-U seminars:
  • On April 17, Peter Faser, SunTrust Robinson Humphrey, will provide an introduction and practical approach to cash flow analysis during the Cash Flow Analysis seminar, designed to teach participants how to craft a statement of cash flows, improve the quality of credit decisions and increase the understanding of how a potential borrower will repay your loan. Click here to register…

  • On April 18, Suzie Jones, Training Resources Consulting, LLC, will teach new account personnel proper New Account Documentation and Compliance procedures, including proper identification and the correct TIN for every new account, and the four fundamental questions that should be asked of every potential accountholder. Click here to register...

  • GBA’s Information Security Officer seminar May 1 at Idle Hour Country Club in Macon will delve deep into the ISO’s regulatory requirements and internal responsibilities. Current and prospective ISOs, network administrators and compliance officers will all benefit from this full-day session presented by Tom Hinkel of Safe Systems.
Registration is $225 per person ($250 per person within one week of the seminar date). With questions, please contact GBA's Katina Prokos, 404.420.2021.
Join the Class of 2020 at Upcoming Session of Georgia Banking School
We’re excited to welcome more than 40 new Georgia Banking School students to the May 6-11 session in Athens, and our freshman class continues to grow. There is still time to enroll, or to send your star banker. Enrollment ends April 20. To see what the curriculum looks like for each of the three years, click here to see the brochure. You’ll also find tuition cost, inclusions and other details about the school. More questions? Contact Kathy Friestad, 404.420.2024 or Alison Moreau, 404.217.1804.
Enrollment Growing for GBA Basic Compliance School - Don't Miss Out!
We look forward to welcoming about 35 compliance professionals to the 2018 GBA Basic Compliance School May 6-11 in Athens. If you are involved in compliance at your bank or have at least three years of banking experience, GBA Basic Compliance School provides a solid foundation on which students can build a successful compliance management program that will thrive as things change in our regulatory environment. To see the curriculum, tuition and other information, click here. Contact Kathy Friestad, 404.420.2024 or Alison Moreau, 404.217.1804.
Metro-Atlanta Bank Robber Sentenced to 14 Years in Prison
Rondell Muwwakkil has been sentenced to 14 years in prison for robbing five metro-Atlanta banks in 2016. He passed notes to tellers at banks inside of stores demanding they give him small bills in each robbery. “The FBI would like to thank the public who helped us locate and arrest this suspect,” said David J. LeValley, Special Agent in Charge of FBI Atlanta. “As frightening as the five robberies were to the victims in the banks, there is little doubt there would have been more robberies, and more victims, had it not been for a concerned citizen’s tip.” Read more here…
Online Classes - April and May
Marketing, Lending, Trust

ABA facilitated online courses feature an online learning community with fellow students, instructor guidance and feedback. These seven courses are scheduled to begin from April to May...
Fill a Job, Find a Job with the GBA Job Bank
The GBA Job Bank is among the most popular and valuable benefits we provide to member banks and bankers. The Positions Available and Bankers Available sections on our website consistently are among the most visited pages. Best of all, the service costs nothing for member banks and bankers. To make the process of posting a job or resume easier and to answer any questions you may have, we've developed this Q & A document as a resource. It outlines how to submit open positions and resumes, our deadlines and timelines for posting, and other helpful details. If you have any questions, please contact GBA's Bo Brannen at 404.420.2014.
GBA’s Office Depot Program can Supplement Your Local Supplier
Through GBA’s Strategic Partnership with Office Depot you can access a national group buying program. In addition to providing your bank with big savings, Office Depot shares a small percentage of every purchase made with the GBA. Every bank in Georgia needs office and banking supplies. Make sure you are getting the very best deal by signing up for the GBA’s Office Depot program. If you are purchasing supplies from a local vendor or bank customer you can still support the GBA by accessing Office Depot products and solutions that your local vendor may not offer. This could include anything from your print and copy needs, promotional products and branded collateral, cleaning and breakroom provisions, technology, furniture, and much more. To learn more about supplementing your local relationship with Office Depot solutions, email With questions, contact GBA’s David Oliver, 404.420.2036.
New CertMap Update form ServiceLink National Flood
GBA Strategic Partner ServiceLink is one of the most experienced flood certification vendors in the U.S. They have recently enhanced their CertMap product, which is automatically included on flood zone determinations that require flood insurance. See a few samples of the new and improved CertMap reports here. The redesigned flood zone legend offers more clarity and will help your loan processors and underwriters by verifying structures to prevent over-insuring. CertMap reports can also be provided to the borrower so they can see what is “in” the flood zone and call the toll free telephone number to obtain an NFIP and private flood insurance quote. No matter what Loan Origination Software your bank is using, ServiceLink can help. Contact ServiceLink’s Virgil Draper, 800.833.6347/ext. 52076 for more details
GBA Community Connections
We want to share all the good work GBA member banks, bankers, Associate Members and Bank Counsel Section members do to support their communities. Read all about the Community Connections our banks and members have below. Share your Community Connections by sending a brief paragraph and any photos of activities you have to us and we'll publish them at our earliest opportunity. Send information to Bo Brannen and David Oliver, or if your company would like to sponsor this content, let us know. Here's our latest installment...
Citizens Bank of Laurens County
Synovus Bank
Pinnacle Bank
Read All About It: Send Us Your News
Please remember to include the Georgia Bankers Association on the list of recipients for announcements about promotions, new employees and special recognition your bank has received. We want to share your news with your colleagues across the state. Please forward your announcements and photos to GBA's David Oliver and Bogan Brannen.