ABA Banking Journal - September/October 2017 - 53

knew she wanted to be a lender. A
leader at her bank suggested she work
in collections-which would teach her
all about the importance of making good
loans and the risks of bad loans-which
began a 34-year career in banking that
led her to be COO at Croghan Colonial
Bank in Fremont, Ohio.
Early in her career, she worked for a
COO at a large regional bank who was
recruited to a community bank-and
took Cox with her. "That was the first
step in a long history that we've had
together where she actually pulled me
away from a job that I really liked to put
me in a different field. And that was the
first time she said, 'I know you don't like
this right now, but this is going to make
you more well-rounded.'"
"She invested personal time in me
beyond the performance appraisal,
beyond just normal coaching," Cox
recalls. "She had the courage to say,
'You did this really well, try this next
time,' and then, when I tried it next time,
if I did it well, she followed up. A lot of
leaders don't coach actively."

or 11:00 and said, 'Oh, you're probably
on your way to San Diego now.' I said,
'No. I'm here until 5:00.' Because what
am I telling all my employees?"
Gerken describes a sense of entitlement
as "one of the cardinal sins of
managers." Bank leaders should not
consider themselves special in terms
of their role in the bank, he adds. "If
you don't watch out for that all the time,
you can get yourself into a lot of ethical

No one is exempt. Jeremy Callais,
COO and CFO of M C Bank and
Trust in Morgan City, La., urges every
leader to remember that even they are
replaceable. "We know we'll just hire
a person and teach him how to bank,
right? So remember that. That goes with
the humility."

Your Corner Just Got
a Lot Bigger
Pryor Cashman is pleased to announce that Jeffrey Alberts
has joined Pinchus Raice as a co-lead of the firm's rapidlyexpanding Financial Institutions Group.

'Hungry and humble'
A hunger for learning and new
opportunities has to be balanced
with humility, Gerken says. "If you're
humble, you generally have a pretty
good sense of self-awareness," he says,
"so that when you do come across
new information or you encounter
something that changes your paradigm,
you're willing to integrate that within
yourself and prepare for changes in
the business."

messes as well. If you look at some of
the big scandals, they felt that they were
special or different."

Alberts, a former federal prosecutor in the
Manhattan U.S. Attorney's Office, has extensive
experience representing banks and bank executives
in government investigations, regulatory
enforcement proceedings and criminal matters.
We are also pleased to announce the 2017
additions of five new associates to the group:
Nofziger, NYU Law School J.D. '10
· Dustin
Yvonne
Saadi, Harvard Law School J.D. '12
· Ryan Gersovitz,
University of Michigan Law School J.D., cum laude, '12
· Ingrid He, Fordham
School of Law J.D., cum laude, '12
· Sarah Ciopyk, CornellUniversity
Law
School
J.D., cum laude, '13
·

Leading by example is key here. "If you
want your team to work hard, you don't
come in at 9:00, leave at noon and go
golfing," says Cox. "There is a balance
at the executive level; I get that. But you
need to lead by example."
Edney agrees. "I can't tell you how many
times in the last three or four years, one
of my board members has called me on
a Friday of a three-day weekend at noon
871658_Pryor.indd 1

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Table of Contents for the Digital Edition of ABA Banking Journal - September/October 2017

CHAIRMAN’S VIEW
UPFRONT
PICTURE THIS
LEGAL BRIEFS
POWER UP PROFILE
THE TOP FINTECH TRENDS DRIVING THE NEXT DECADE
PLUG AND PLAY: FOUR WAYS TO LEVEL UP YOUR MOBILE BANKING APP
MAKING FRIENDS WITH FINTECH
LOOKING AT FINTECH THROUGH THE LEGISLATIVE LENS
LET’S TALK PAYMENTS
IS OUTSOURCING IT SECURITY RIGHT FOR YOUR BANK?
THE CECL RIPPLE EFFECT
FROM YOUNG AMERICANS TO ENTREPRENEURIAL CITIZENS
FINDING THE PERFECT NICHE
THREE ELEMENTS OF BANK LEADERSHIP
REAL ESTATE LENDING
ABA COMPLIANCE CENTER INBOX
WEALTH MANAGEMENT
FROM THE STATES
CORPORATE SOCIAL RESPONSIBILITY
INDEX OF ADVERTISERS
FROM THE VAULT
ABA Banking Journal - September/October 2017 - Intro
ABA Banking Journal - September/October 2017 - bellyband1
ABA Banking Journal - September/October 2017 - bellyband2
ABA Banking Journal - September/October 2017 - cover1
ABA Banking Journal - September/October 2017 - cover2
ABA Banking Journal - September/October 2017 - 3
ABA Banking Journal - September/October 2017 - 4
ABA Banking Journal - September/October 2017 - 5
ABA Banking Journal - September/October 2017 - 6
ABA Banking Journal - September/October 2017 - 7
ABA Banking Journal - September/October 2017 - CHAIRMAN’S VIEW
ABA Banking Journal - September/October 2017 - 9
ABA Banking Journal - September/October 2017 - 10
ABA Banking Journal - September/October 2017 - UPFRONT
ABA Banking Journal - September/October 2017 - 12
ABA Banking Journal - September/October 2017 - 13
ABA Banking Journal - September/October 2017 - 14
ABA Banking Journal - September/October 2017 - 15
ABA Banking Journal - September/October 2017 - PICTURE THIS
ABA Banking Journal - September/October 2017 - 17
ABA Banking Journal - September/October 2017 - LEGAL BRIEFS
ABA Banking Journal - September/October 2017 - 19
ABA Banking Journal - September/October 2017 - POWER UP PROFILE
ABA Banking Journal - September/October 2017 - 21
ABA Banking Journal - September/October 2017 - THE TOP FINTECH TRENDS DRIVING THE NEXT DECADE
ABA Banking Journal - September/October 2017 - 23
ABA Banking Journal - September/October 2017 - 24
ABA Banking Journal - September/October 2017 - 25
ABA Banking Journal - September/October 2017 - 26
ABA Banking Journal - September/October 2017 - 27
ABA Banking Journal - September/October 2017 - PLUG AND PLAY: FOUR WAYS TO LEVEL UP YOUR MOBILE BANKING APP
ABA Banking Journal - September/October 2017 - 29
ABA Banking Journal - September/October 2017 - 30
ABA Banking Journal - September/October 2017 - 31
ABA Banking Journal - September/October 2017 - MAKING FRIENDS WITH FINTECH
ABA Banking Journal - September/October 2017 - 33
ABA Banking Journal - September/October 2017 - LOOKING AT FINTECH THROUGH THE LEGISLATIVE LENS
ABA Banking Journal - September/October 2017 - 35
ABA Banking Journal - September/October 2017 - LET’S TALK PAYMENTS
ABA Banking Journal - September/October 2017 - 37
ABA Banking Journal - September/October 2017 - 38
ABA Banking Journal - September/October 2017 - IS OUTSOURCING IT SECURITY RIGHT FOR YOUR BANK?
ABA Banking Journal - September/October 2017 - THE CECL RIPPLE EFFECT
ABA Banking Journal - September/October 2017 - 41
ABA Banking Journal - September/October 2017 - 42
ABA Banking Journal - September/October 2017 - FROM YOUNG AMERICANS TO ENTREPRENEURIAL CITIZENS
ABA Banking Journal - September/October 2017 - 44
ABA Banking Journal - September/October 2017 - 45
ABA Banking Journal - September/October 2017 - 46
ABA Banking Journal - September/October 2017 - FINDING THE PERFECT NICHE
ABA Banking Journal - September/October 2017 - 48
ABA Banking Journal - September/October 2017 - 49
ABA Banking Journal - September/October 2017 - 50
ABA Banking Journal - September/October 2017 - THREE ELEMENTS OF BANK LEADERSHIP
ABA Banking Journal - September/October 2017 - 52
ABA Banking Journal - September/October 2017 - 53
ABA Banking Journal - September/October 2017 - REAL ESTATE LENDING
ABA Banking Journal - September/October 2017 - 55
ABA Banking Journal - September/October 2017 - 56
ABA Banking Journal - September/October 2017 - 57
ABA Banking Journal - September/October 2017 - 58
ABA Banking Journal - September/October 2017 - 59
ABA Banking Journal - September/October 2017 - ABA COMPLIANCE CENTER INBOX
ABA Banking Journal - September/October 2017 - 61
ABA Banking Journal - September/October 2017 - WEALTH MANAGEMENT
ABA Banking Journal - September/October 2017 - FROM THE STATES
ABA Banking Journal - September/October 2017 - CORPORATE SOCIAL RESPONSIBILITY
ABA Banking Journal - September/October 2017 - INDEX OF ADVERTISERS
ABA Banking Journal - September/October 2017 - FROM THE VAULT
ABA Banking Journal - September/October 2017 - cover3
ABA Banking Journal - September/October 2017 - cover4
ABA Banking Journal - September/October 2017 - outsert1
ABA Banking Journal - September/October 2017 - outsert2
ABA Banking Journal - September/October 2017 - outsert3
ABA Banking Journal - September/October 2017 - outsert4
ABA Banking Journal - September/October 2017 - outsert5
ABA Banking Journal - September/October 2017 - outsert6
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