January 27, 2017      

How to Help South Georgia Storm Victims

Our thoughts, prayers and well wishes this week have been with members in the South Georgia counties affected by tornadoes and severe weather Jan. 21-22. At least 24 tornadoes that killed 15 people were confirmed in Georgia. Gov. Deal declared a state of emergency in 16 Georgia counties: Atkinson, Baker, Berrien, Brooks, Calhoun, Clay, Colquitt, Cook, Crisp, Dougherty, Lowndes, Mitchell, Thomas, Turner, Wilcox and Worth. We have not heard about any bankers or family members who were injured, thankfully. We ask that members share with us any efforts to help with relief and recovery so we can recognize that as part of the many ways the heart of Georgia’s banking community goes into serving the people of Georgia. Click here for a variety of specific ways you can help and some updates from members…

Georgia General Assembly Back to Full Throttle

After a weeklong recess to recognize Martin Luther King, Jr., Day and hold budget hearings, the Georgia General Assembly came back to work Monday ready to get down to business. In a joint session, Legislators heard the annual State of the Judiciary address, and the House passed its version of the budget finalizing expenditures from last fiscal year. We saw the introduction of legislation long in the works through task forces and planning committees such as the Department of Banking and Finance annual housekeeping bill. Other bills came from legislators responding to specific constituent input such as a bill creating a new fee on certain wire transfers. GBA has been involved directly with many of the task forces and study groups, and we appreciate the opportunity to share real-world experiences as legislators perfect their ideas. The Legislature was in session Monday through Thursday this week, completing Day 8 of the 40-Day session. We’ll cover all the goings on in our Legislative Update published later this week. With questions, contact Elizabeth Chandler at 404.420.2027, Steve Bridges at 404.420.2037, or Joe Brannen at 404.420.2026.

Last Call! Analyzing Financial Statements - Feb. 2

There is still time to register for GBA’s Analyzing Financial Statements seminar Feb. 2 at Idle Hour Country Club in Macon. A faculty member of the Georgia Banking School with more than 35 years of industry experience, Mike Allen, State Bank and Trust, will teach attendees how to analyze personal tax returns and commercial financial statements during this hands-on program designed for commercial lending officers, credit trainees and analysts. The price for this event is $225 per person. Click here to register online. Please contact GBA's Katina Prokos at 404.420.2021 with questions.

Early Read on Trump Administration’s Effects on Employment Law Issues

The team at GBA’s Strategic Partner for employment law issues Employment Law Compliance (ELC), recently shared an early look at how a variety of pending employment law issues could turn out now that the Trump administration is in office. The expectation is that the Overtime Exemption Regulations currently in court review likely will not take effect. Banks should take note, however, that Diversity Guidelines released by the Federal Reserve, FDIC, and OCC continue to move forward, with those agencies “strongly encouraging” banks with at least 100 employees to submit self-assessment reports by the end of March. Details are forthcoming from regulators. Find out more here...

Customer Satisfaction at 4-Year High

Customers are more satisfied with their banks and are more likely to recommend their bank to others says results of a major consumer survey out Thursday. The Bank Satisfaction Barometer from the CFI Group is at a 4-year high. The study also identifies four ways banks can leverage service to drive business results:
  • Engage Local Communities
  • Enhance Loyalty Programs
  • Promote Digital Experiences
  • Develop Millennial Customers

National Industry News Roundup

  • Mnuchin a fan of Tailored Reg. Relief - Treasury Secretary nominee Steven Mnuchin’s written replies to Senators for his confirmation hearing say that he wants Dodd-Frank Act relief to focus on addressing issues crimping banks’ efforts to serve small and medium-size businesses. He also said, “I believe in a regulatory framework that is determined by complexity and activity, not simply size.”

  • Risk-Management Procedures Outlined - The OCC has issued exam procedures to help examiners assess banks’ third-party risk management programs. The exam procedures supplement previous guidance issued by the OCC in 2013. View the exam procedures...

  • EMV Facts and Figures - More than 700 million chip cards have been issued in the U.S. by banks and others, more than in any other country. Counterfeit card fraud is down 54 percent at MasterCard’s EMV-enabled merchants. More facts here...

GBA Member Profile

How Stacey Kleeberg Caught the Banking Bug

Stacey Kleeberg never thought her part-time teller job would lead to a 30-plus-year career. “But, banking is infectious and gets in your blood. At some point I couldn’t imagine myself doing anything else,” says Kleeberg, senior vice president, deposit services director, at First Landmark Bank in Marietta and a member of GBA’s Women in Banking Executive Committee. Kleeberg had a good role model, her mother; who she says did an amazing job juggling a government career and a family. Read more about Kleeberg in this week’s GBA member profile, including why she thinks all her female peers need to plan to be at GBA's upcoming Women in Banking Conference...

More Reasons to Attend GBA's Women in Banking Conference - Feb. 9-10

Crime and Punishment

Robber Faces up to 25 Years in Prison

A federal jury has convicted Lamarlvin Arkeena Watts, 22, of armed bank robbery and brandishing a firearm during a 2015 robbery of a Wells Fargo branch in Savannah. Watts could be sentenced to up to 25 years in prison and a $250,000 fine. “Savannah is the Hostess City of the South; not the Wild West. This office will continue to aggressively prosecute violent offenders who endanger the community through their criminal misuse of firearms,” said United States Attorney Edward J. Tarver. Read details here...

Reminder: Update Your MyGBA Login Information

If you haven’t logged in to MyGBA to update your user profile and adjust your username and password, we encourage you to do so as soon as possible. If you’re unsure of your login information, you can do a search for your user account and some basic credentials to get you started on our User Account Search page. If you’re new to GBA, we’ll need to set up a member record for you. We can do that, as well as answer any other questions, with a request to webmaster@gabankers.com...

IRAs: The Basics Seminar - Feb. 8

Get Answers to Simple and Complex IRA Questions

IRAs are extremely complicated and very difficult to learn on the job. If you are a new IRA banker or supervisor, get a complete understanding of all areas of the account as well as newly enacted regulations at GBA’s IRA Basics seminar Feb. 8 at Idle Hour Country Club in Macon. Each participant will receive a completely updated 275-page IRA Training and Reference Manual. The price for this event is $225 per person. Click here to register online. Please contact GBA's Katina Prokos at 404.420.2021 with questions.

HR Professionals Institute, Feb. 22-24, Jekyll Island

Steve Greene Back to Share Expertise - Twice!

One of the most highly anticipated sessions of GBA’s annual HR Professionals Institute is the Legal Update from employment and labor attorney Steve Greene, Matthews & Greene, LLC. More than just a legal compliance update, Steve’s session is a three-hour interactive workshop. If you haven’t been to this conference before, this session is an HR pro’s dream, with Steve providing practical information and take-home materials as well as responding to attendees’ questions regarding tough HR issues they are dealing with right now. And this year, attendees will hear from Steve twice! Steve will also lead a session on employee training, in which he’ll discuss the requirements, timelines, and preferred methods for employee training. So sign up today! The 2017 HR Professionals Institute will be Feb. 22-24 at the Westin Jekyll Island. Click here to access the full agenda, and registration and hotel information.

Compliance Peer Group Meeting - March 8

Join us March 8 at Idle Hour Country Club in Macon for the GBA Compliance Peer Group Meeting. The topic for this meeting is, "CRA-Telling the Bank’s Story." Amanda Hunt, Citizens Bank & Trust, Trenton, and Donna Russell, Queensborough National Bank & Trust, Louisville, will share their stories. Lisa Anne Mifflin, OCC, Tampa, and David Sharp, FDIC, Atlanta, will be on hand to answer your questions about CRA. The price is $125, and CRCM credits will be applied for. Thanks to GBA's Compliance Committee for planning the program. Jim Bedsole, BankSouth, Greensboro, is the committee chair. To register, please contact GBA’s Alison Moreau at 404.420.2034.

Operations and Technology Conference, March 15-16/ Pre-Conference Sessions, March 14-15

Crowd Favorite Terri Sands set for Return

Attendees at this year’s Operations and Technology Conference March 15-16 will be excited to hear that Terri Sands is back on the agenda for two sessions. Operations folks coming to the Pre-Conference Sessions will hear Terri speak on “The Regulatory Backdrop of Payments.” Terri will speak on “The Blind Spots of Payment Risks” during the full conference. Click here to access the registration brochure and to see hotel information. This year’s conference is at the Atlanta Marriott Northwest. Contact GBA’s Kathy Friestad with questions, 404.420.2024.

Bank Security Conference, April 6-7, Jekyll Island

Elder Abuse: Prevent, Protect, Prosecute

Georgia banks continue to experience and handle cases of elder financial abuse and exploitation. Security officers won’t want to miss this year’s Bank Security Conference. David Blake, CFE, a Financial Forensic Specialist with the Forensic Special Initiatives Unit (FSIU) for the Division of Aging Services at the Georgia Department of Human Services, will discuss initiatives by the Department to address the rising tide of elder financial exploitation and abuse. Click here to register online, see the brochure and for hotel information.

GBA Agriculture Committee Meets to Plan Spring Conference

The GBA Agriculture Committee met this week to discuss issues of the day and begin planning the 2017 Rural Development & Lending Conference. The committee is led by Chair Luke Lanier, Metter Bank, a division of Durden Banking Company, and Vice Chair Chris McCard from South Georgia Banking Company. The committee welcomed two new members: Kevin Cobb, Queensborough National Bank & Trust, Louisville, and Will Moore from Guardian Bank, Valdosta. The committee's annual conference is May 17-18 at The King & Prince in St. Simons. Preliminary ideas for the agenda include traditional sessions such as an economic outlook and legal update, along with a session about crop insurance and a panel discussion about best practices in ag loan underwriting. Registration is $350 per person through May 3. You can register online now...

Online Course Schedule

Commercial Lending, CTFA, Supervisor Certificate among Courses Coming up

These courses have weekly assignments as well as midterm and final exams. Any employee of a GBA member company can participate at the member rate. Your bank does not have to be an ABA member. All you need is a computer, printer and Internet access. Please register two weeks in advance to secure a "seat." For more information, contact Alison Moreau, 404.420.2034. Click here for a list of all ABA offerings...

Upcoming GBA-U Webinars

A GBA Webinar is a great way to quickly get the training you need without travel or time out of the bank. Webinars are live and allow time for questions and answers. The $265 registration price gives you access to one web site "seat," one telephone site license and all handout materials. If you can't attend the webinar, you may buy the audio CD, handout materials and a password to see the session online. With questions, please contact GBA's Katina Prokos at 404.420.2021. Here is a sample of upcoming offerings. Check the GBA-U Calendar of Events at www.gabankers.com for more details.

GBA Job Bank

More than 16 New Positions Posted this Week

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.

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.