September 28, 2018   

It Never Gets Old... Georgia Again No. 1 State for Business
Area Development magazine last week named Georgia the top state for business for the fifth straight year. The magazine is a top corporate site selection publication. "Behind this ranking are hundreds of thousands of jobs for Georgia families and billions of dollars of meaningful investment in our communities," Gov. Nathan Deal said in an announcement about the recognition. Georgia Bank CEOs, lawyers and accountants will hear from a panel of Georgia economic development experts next week at their fall conferences about some of the things that make Georgia so attractive. In addition to being named the top state for business, Georgia ranked first among the states for workforce development programs and cooperative and responsive state government. Georgia also ranked in the top five spots in each of the other nine categories examined in the survey. Related: President/CEO Conference; Bank Counsel Conference; Bank Accountant Conference
Update on Loudermilk Bill to Reform SARs/CTRs
We heard this week that the bill we told you about recently by Rep. Barry Loudermilk (R-GA11) to increase the BSA’s currency transaction report threshold and suspicious activity report threshold will likely be a part of a group of bills the House will consider after the November election. According to reports, Loudermilk’s bill (H.R. 6850) is among several that will go straight to the House floor as opposed to through the Financial Services Committee because of special rules in place for noncontroversial bills. Please relay your support of the bill to your representative to the U.S. House. Contact info here. Stay tuned, as we’ll keep you posted on the bill’s progress. With questions, please call Elizabeth Chandler at 404.420.2027 or Joe Brannen at 404.420.2026.
OCC Invites Input on CRA Modernization
Earlier this month, the Office of the Comptroller of the Currency published in the Federal Register its Advanced Notice of Proposed Rulemaking to request comments on ideas to modernize the Community Reinvestment Act regulatory framework. GBA plans to submit a comment letter on this important topic and your feedback is needed. While the OCC is the only agency so far to ask for such feedback, it’s important for all type chartered banks to review this proposal as other agencies are expected to follow suit. We would appreciate those involved with this process at your bank reviewing this proposal and letting us know your thoughts so we may compile them into our comment letter. We ask for your comments by Nov. 1 so that we may meet the Nov. 19 submission deadline. Please send feedback to Elizabeth Chandler at GBA or give her a call with any questions at 404.420.2027.
Ops/Tech Committee Hashes out Key Issues
Collaboration and information sharing were at high levels Wednesday at the meeting of GBA’s Operations and Technology Committee. Committee members shared key issues with peers from their respective GBA geographic groups and thoughts about advocacy and educational needs for Ops/Tech pros. With Hurricane Florence affecting the region recently, disaster recovery and incidence response best practices were top of mind. And, there was lots of chatter about efficiency initiatives, fraud protection, branch transformation and payments. The committee is taking those issues and others to craft the agenda for the next GBA Operations and Technology Conference, which is March 25-27 at the King and Prince, St. Simons Island. Mark your calendar to attend now and look for registration and program details soon. The committee chair is Lamar Doolittle of the Geo. D. Warthen Bank, Sandersville, and the vice chair is Jaye Eubanks, United Bank, Zebulon. You may email either one of them or contact GBA’s Alison Moreau, 404.420.2034, if you have programming ideas.
Slaughter
Member Profile
Funding Entrepreneurs, the Future of Banking and Football Grill-Outs with Jay Slaughter

Nothing is a better stress reliever for Century Bank of Georgia’s Jay Slaughter than cooking for friends and family. "I believe I inherited this from my grandfather as I remember as a young boy enjoying his cooking and watching him be happy that everyone else was enjoying themselves," he tells us in this week’s GBA member profile. Slaughter, GBA’s Group 7 representative to the Leadership GBA Executive Committee, talks about the two areas banks must focus on for longevity in the future, his work with entrepreneurs and the joy of grilling out on fall UGA football weekends. Read his profile here…
Georgia Bankers Democracy Days
Resources for Banks and Key Dates for Registration and other Election Activities

We’re about to see the biggest shakeup in Georgia’s elected leadership in almost a decade. All the statewide constitutional officers, every member of the state House and Senate, all 14 Members of our U.S. House delegation and countless local officials will be on the ballot. So, we encourage member banks and bankers to take full advantage of their standing in the community to participate in this year’s elections. Please vote, and please also encourage staff, customers and friends to vote. Every vote counts. Just take a look at the runoff for the Republican nominee for Lt. Governor this year. It was decided by fewer than 2,000 votes. We’ve got some handy resources again we’ll send you if you’d like. They are:
  • A sample employee newsletter article or e-mail about the key dates and your company’s participation
  • A flier you can post in your offices or hand out to customers with key dates and resources
  • A business-card-sized reminder to vote you can print and pass out in the days before the election.
  • A news release announcing your participation in the campaign
  • A list of possible Tweets or Facebook posts for social media - don’t forget the #GABankersVote hashtag
  • Specialty logos
  • A flyer with quotations about voting from prominent Americans.
Sign Up for GBA Democracy Days 2018 Here
And click here to see key election dates and official voter information and resources.
Synovus CEO Kessel Stelling, Elizabeth Chandler and Chamber CEO Chris Clark
Banks Represented on GA Chamber D.C. Visit
As Congress considers recessing for the elections coming on Nov. 6, Georgia’s business community spent some quality time in Washington, D.C., this week with the state's congressional delegation reinforcing issues that are top of mind. As part of the Georgia Chamber of Commerce’s annual fly-in, bankers from around the state joined in. GBA’s Elizabeth Chandler, SVP-Government Relations, was there also and said, "Members of our delegation were very generous with their time and I appreciated the many comments on the reform thus far of the Dodd Frank Act and the recognition that there are still many issues on the table." Other topics discussed include efforts to reauthorize the farm bill, rural Georgia concerns including access to healthcare and broadband infrastructure, the importance of Georgia’s military bases and workforce development. With questions, contact Elizabeth Chandler, 404.420.2027.
Female Georgia Bank Executives Recognized Nationally
Three member bank executives have been recognized as being among the top women to watch in the industry this year. American Banker included SunTrust’s CFO Allison Dukes and Head of Branch Banking Debbie Crowder, along with Synovus Chief Strategy and Customer Experience Officer Liz Wolverton, among the 25 women making significant contributions to the success of their companies and for being leaders throughout the industry.
Dukes
Crowder
Wolverton
It’s not Amazon HQ2, but…
CFPB Office Coming to Atlanta

The CFPB last week confirmed it plans to move a small group of employees from Washington, D.C., to an office in Atlanta within the next 15 months. The employees are analysts and managers supporting examiners in the South. The bureau says having the group in Atlanta will help align its staff regulators such as the Federal Reserve, FDIC and OCC, which already have a regional presence in town. "The city selection process led to Atlanta as the city that best enables the Bureau to fulfill its statutory mission and enhance its collaboration with its regulatory partners, while being as efficient as possible," the agency said in a statement to The Hill online news outlet.
42nd-Annual Georgia Peanut Bank Week Starts Oct. 15!
583 cases of world-famous, red bag peanuts? Check! 123 participating Georgia banks? Check! Lots of banker love for our Georgia Peanut Farmers? Check! We are excited to announce this week that peanut orders have been shipped for the upcoming 42nd-Annual Georgia Peanut Bank Week, co-sponsored by GBA and the Georgia Peanut Commission (GPC). This year's theme is: "Bank on Georgia Peanuts." Click the links below for helpful resources your bank can use to promote this fun partnership. Also, remember to send any news or photos of your bank’s Georgia Peanut Bank Week participation to us, so we can feature it in a future GBA newsletter. See resources here...
Tee it up for Chance to Win $20,000 at the Bank PAC Golf Tournament Oct. 17
Take a day to entertain clients, prospects, directors and perhaps even your local elected officials at this year’s Georgia BankPAC Classic on Oct. 17 at the Club at River Forest, Forsyth. One of the prizes is a $20,000 hole-in-one opportunity and there are prizes for longest drive and closest to the pin shots. The proceeds from this tournament will be donated to the GBA StatePAC, which contributes only to candidates running for state-level office. Leadership GBA sponsors this annual event, and this year we’re at an amazing course. The course at River Forest was designed to include natural elements such as granite formations deriving from the Stone Mountain rock system spreading through Georgia. Registration includes a boxed-lunch and other goodies. Click here for format details and registration information. Contact Kathy Friestad, 404.420.2024, with questions.
Daniel
Congratulations, Tanner Daniel
We were pleased to learn the news that Tanner Daniel will be joining ABA’s congressional relations department as a Vice President for Congressional Relations. Many of our members know Tanner as he’s joining ABA from having served as Senior Legislative Assistant for House Financial Services Committee member, Representative David Scott (D-GA). He was responsible for a wide portfolio of financial services issues including securities, insurance, consumer credit and housing. Before that, Tanner was a Policy Advisor at Third Way and also worked for Congressman Scott Peters (D-CA). Tanner will be responsible for working with a number of members in the House Democratic Caucus, and will officially join ABA on Oct. 1. "We’ve enjoyed a great working relationship with Tanner and although we’ll miss him on Rep. Scott’s staff, we’ll continue working with him through the ABA," said Elizabeth Chandler, GBA’s Senior Vice President for Government Relations. More info here...
Sands
Financial Risk Management Conference
The Payments Utopia and the Future of Paying and Getting Paid

Terri Sands of Secura Risk Management will take attendees at the GBA Financial Risk Management Conference through the evolution of moving money from the bartering days to the utopia of paying and getting paid today and in the future. The conference is Nov. 7-8 at the Hyatt Regency Perimeter at Villa Christina. This session will humanize the payments movement and give attendees great visibility into the "payments buzz," simplify real-time, near-time and now-time payments and review old school pay, tap-and-pay and voice pay methods. Sands will also focus on digital channels available for financial institutions as well as the fraud channels used to disrupt you and your corporate clients. This will be an interactive and high-energy session everyone will enjoy. Click here for more conference details…
Bank Marketing Center Joins Program for Marketing Peer Group Oct. 23
Last week we announced that Third Wave Digital will be sharing tips and tricks for video production and marketing as part of the program at the Marketing Peer Group meeting on Oct. 23 at Middle Georgia State University in Macon. This week we’re excited to announce that we'll be joined by Keith Pagel with GBA Strategic Partner BankMarketingCenter.com, a web-based platform that puts you in complete control of the marketing production process for your bank. Their technology allows banks to protect their brand and compliance, while allowing users in the branches to personalize and customize their own ads. The team from BankMarketingCenter.com will talk about the benefits of using custom ads at your bank while conducting a demonstration of their online ad portal. Attendees will also come away with a special offer from BankMarketingCenter.com. Registration is $125 per person. Click here to register online. With questions, please contact GBA's Jenna Lynn Warner at 404.420.2035.
Foley
Credit Conference Spotlight
BRAVE Business Leadership: Growing Competent, Confident Leaders to Achieve Greater Results

We are all in a life-long journey of growing as a leader. Jeff Foley, brigadier general, U.S. Army (Ret.) and CEO/president, Loral Mountain Solutions, LLC, will share his model based on the word BRAVE, with each letter representing a key element of what it takes to be a competent, confident leader. His simple, practical model was derived from more than 32 years serving in the army and highlights best practices that can have an immediate and positive impact on leaders and their staff. The advantage of his model is that it is time-tested, having evolved from his own experience combined with best practices from the United States Army to develop leaders. See conference details here...
GBA-U Upcoming Seminars in Macon - Lending and BSA Featured
Nov. 14: Basics of Asset-Based Lending - This workshop provides participants with a basic understanding of asset-based lending (ABL) concepts, procedures, and documentation. Participants, through a group case study environment, will learn: basic balance sheet fundamentals, sizing the loan, the importance of A/R and A/P agings, inventory considerations, basic documentation as well as lien perfection and monitoring.
Dec. 6: Bank Secrecy Act (BSA) - Participants of this seminar will review reporting and recordkeeping requirements - including CTRs, SARs, etc., current BSA exam procedures, learn how to prepare and document BSA + OFAC Risk Assessments - including CDD and EDD for "high risk" customers and go over how to verify compliance with new CDD -Beneficial Ownership Rules.
Registration is $250 per person ($275 per person within one week of the seminar date). With questions, please contact GBA's Jenna Lynn Warner, 404.420.2035.
Budgeting for Next Year? Why GBA Schools are a Solid Investment!
While planning for 2019 be sure to include Georgia Banking School or GBA Compliance School in your budgets and employee development plans. Our schools are designed for career bankers willing to put forth the extra commitment to classroom study and home exercises. Graduates of Georgia Bankers Association schools universally praise the curriculum, instructors and organization as the best available. The curriculum for all GBA-sponsored and supported schools is professionally developed; instructors are selected from the banking industry, university professors and top bank consultants. The Georgia Banking School is a three-year program. Click here for more information…
Time for an Insurance Program Review?
GBA Strategic Partner ABA Insurance Services is the Most Reliable Source of Insurance for Banks

If your bank is undergoing or considering a review of its comprehensive insurance programs, please keep in mind that GBA Strategic Partner ABA Insurance Services (ABAIS) is committed to serving and supporting banks by providing quality insurance and excellent customer service. We know you may have a local agent or broker you prefer to use, so the ABA Insurance program will work with your local agent to develop quotes for you. Just ask your agent or broker to check in with Pat Williams at ABA Insurance Services for details. This unique bank-owned, banker-directed program has been supporting the banking industry for over 30 years. Contact Pat, 410.960.6878, with questions.
With Discover® Debit, Your Bank Will Develop a More Profitable Debit Program
The Discover Debit program makes your brand stand out above the rest. The list of Consumer and Business Card Benefits available through Discover’s program are simply unmatched. Here are just a few of the valuable options your bank can choose from:
  • Lowest Purchase Price Guarantee - Consumer
  • Identity Theft Defense - Consumer
  • Zero Liability - Consumer
  • Human Resources Consultant - Business
  • Attorney on Call - Business
Discover Debit is also the only program that delivers superior economics, simplified rules, fee transparency and unmatched program flexibility. Discover Debit is an offering of the PULSE Network, a Discover Company. With questions, contact Mark Reda, 813.854.2210.
Online Classes - October & November
Attention Commercial Lenders
ABA facilitated online courses feature an online learning community with fellow students, instructor guidance and feedback. For more information, contact Shan Haugabrook, 404.420.2020. Click here for a list of all ABA offerings. Click here to see the upcoming courses scheduled to begin in October and November…
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 Katina Prokos at 404.420.2021.
Click the image to learn more
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 Katina Prokos and David Oliver, or if your company would like to sponsor this content, let us know. Here's our latest installment...
Flint Community Bank
Wells Fargo
Citizens Bank of Laurens County
Pinnacle Bank
Planters First Bank
Citizens Bank and Trust Company
Ameris Bank
Planters First Bank
Cynthia
Day
Steve
Pallone
John
Carson
Charlotte
Hodges
Kirk
Ransom
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 Katina Prokos.