MAY 2023 5 Flourish 7 From the Top IN EVERY ISSUE CURRENCIES ¡ Photo News: Animal magic ¡ Media Memo: How to make a team work ¡ History Lesson: Hugh McCulloch: From opponent to regulatory leader ¡ The Ledger: The executive perspective on business risks ¡ Defining Finance: What is user experience (UX)? 10 30 PORTFOLIO 18 Finding the right general counsel Strategize with in-house and external counsel 68 CONNECTIONS 58 Trailblazer American Commerce Bank launched a digital-only " branch, " Monesty. 62 Community Spirit Through its annual event, Availa Bank educates families on college financing. 64 Member Benefits TCM Bank's suite of credit-related program offerings 66 Listen Up Finding successful fintech partnerships 68 Out of Office Julie Bauer fundraises for the last remaining Frank Lloyd Wright-designed hotel. 21 Innovation Station Why you need a digital back office 22 What makes a strong compliance management program? How community banks can avoid megabanks' mistakes 25 Leadership at All Levels A how-to guide for new employees Connect with ICBA @icba facebook.com/icbaorg linkedin.com/company/icba youtube.com/user/ communitybankchannel @banklocally @myicba 26 Tackling business payments fraud How you can protect your bank and customers 28 Portfolio Management Cash-management instruments 30 Checks & Balances ICBA is lobbying for a comprehensive Farm Bill that will support rural America 2 // ICBA Independent Banker // May 2023http://www.youtube.com/user/communitebankchanel http://www.youtube.com/user/communitebankchanel http://www.facebook.com/icbaorg http://www.linkedin.com/company/icba