FEDNOW RESOURCE GUIDE PAGE 20 MARCH 2023 independentbanker.org First‑party data's high potential Supercharge your customer acquisition Fixing phishing Defensive strategies for your staff Profile: Terry Jorde Reflections from ICBA's retiring chief of staff Incoming ICBA chairman Derek Williams believes in the power of community banking LIGHTING THE WAY PAGE 46 BENEFICIAL OWNERSHIP UPDATE PAGE 33http://www.independentbanker.org