® ® July 2017 ADVERTISER INDEX JULY 2017 CenterState Bank............................................13 Cloud Lending Solutions.................................44 Dougherty Funding LLC....................................3 Eide Bailly LLP.................................................31 EDR...................................................................43 Farmer Mac......................................................35 Freddie Mac.....................................................C3 Holtmeyer & Monson......................................63 Hunt Companies................................................6 IBT.....................................................................C2 ICBA Bancard VISA............................................4 ICBA Mortgage................................................46 ICBA Reinsurance............................................54 ICBA Securities................................................60 Independentbanker.org....................................3 Integrated Lending Technologies.................42 Mortgage Partnership Finance.....................45 NewTek Business Services............................37 Open Lending...................................................19 PayNet Inc........................................................39 Promontory Interfinancial Network, LLC.....25 QwickRate........................................................27 SageWorks Inc................................................41 SHAZAM...........................................................C4 TRUPOINT Partners.........................................40 United Bankers Bank......................................57 Wallaby Financial..............................................8 Young & Associates........................................69 contents departments Risks & Rules 20 Grassroots 20 Washington Watch With August recess approaching, here's our step-by-step guide to inviting a member of Congress to your bank 55 Bird's-eye view The surprising benefi ts of a solid enterprise risk management (ERM) program 58 Compliance Corner Tracking and managing customer complaints is benefi cial for not only compliance but also your bank's reputation Nuts & Bolts 61 Tech Talk Biometric authentication is slowly but surely working its way into the banking mainstream 47 Lender Life 47 Engine of growth An improving economy could make auto lending a bright spot for community banks 50 Mortgage messengers A combination of digital tools and personal service can keep community banks competitive in the mortgage market 52 Warehouse deals The risks to watch out for when it comes to asset-based lending 64 Payments Exchange A look at how instant issuance works, the costs and the potential benefi ts to your community bank 67 Cybersecurity World What are the potential security risks associated with third-party service providers? 70 Portfolio Management The proposed drop in tax rates would have an impact on your bank's investment portfolio By Jim Reber The Back Page 72 15 Minutes With... Ginger Martin, president and CEO of American National Bank 72