MARCH 2023 5 Flourish 7 From the Top IN EVERY ISSUE CURRENCIES ¡ Media Memo: The voices of business management ¡ History Lesson: The bank jingle that became a hit song ¡ The Ledger: Where are consumers looking for financial advice? ¡ Defining Finance: What is microfinance? 10 32 PORTFOLIO 20 FedNow resources How to prep for the FedNow Service 24 The rise of virtual advisor services Learn about digital advising and its necessary security measures. 27 Leadership at All Levels Inspire your staff members. 68 CONNECTIONS 68 Trailblazer BankOnBuffalo hits the road with its mobile banking unit, BankOnWheels. 72 Community Spirit Valley Bank and Walter Hoving Home help women through life challenges by providing financial education. 74 Member Benefits Tell your bank's story with the Marketing Communications Toolkit. 78 Listen Up Protect your customers from fraud. 80 Out of Office Natalie Bartholomew continues tradition on the family farm. 32 Innovation Station How data factors into bank growth 28 Market smarter with first-party data First-party data can bolster community bank marketing efforts. 33 Beneficial ownership rules: An update A new rule is changing how beneficial owners report their information. 36 Portfolio Management Mortgage-backed securities and managing risk 39 Fixing phishing Prep community bank staff to avoid phishing attacks and scams. 43 Checks & Balances A letter to the new Congress covers ICBA's stances on new legislation. Connect with ICBA @icba facebook.com/icbaorg linkedin.com/company/icba youtube.com/user/ communitybankchannel @banklocally @myicba 2 // ICBA Independent Banker // March 2023http://www.youtube.com/user/ http://www.facebook.com/icbaorg http://www.linkedin.com/company/icba