® ® November 2017 ADVERTISER INDEX NOVEMBER 2017 ACH Alert..........................................................51 Canon USA.......................................................20 CPI Card Group................................................41 Cyberfortis.......................................................50 Eide Bailly LLP.................................................73 Electronic Payments.......................................C3 First Close........................................................27 FIS..................................................................6, 54 Global Outsource Services............................45 IBT...............................................................C2, 49 ICBA Bancard VISA............................................4 ICBA Reinsurance...........................................58 ICBA Securities................................................24 ICBA Strategic Technology Solutions...........74 Ignite Sales Inc. webinar................................23 Loomis..............................................................13 Modern Banking Systems................................3 MoneyPass......................................................66 Moody's Analytics...........................................52 MyBoardPacket...............................................19 NACHA..............................................................77 Oberthur Technologies.....................................8 PayNet Inc........................................................53 Promontory Interfinancial Network, LLC.....35 QwickRate........................................................63 SHAZAM...........................................................C4 United Wholesale Mortgage..........................48 contents departments 21 Risks & Rules 67 Dirty money Grassroots 21 Washington Watch The Basel III simplification plan, which includes standards for mortgage-servicing rights, is so far a missed opportunity for community banks 25 Speaking up for what's right ICBA's recent white papers in support of community banks Criminals view community banks as easier targets for their money laundering activities. What are the warning signs, and how can community banks protect themselves? 70 Internal audit: in-house or third-party? Internal audit is a crucial safety net for assessing risk. We look at who's best placed to do it Nuts & Bolts 75 How does encryption work? All about encryption and how it keeps customer data safe 78 Laying the foundations Real-time payments are here. Should your community bank jump on the bandwagon? 64 Lender Life 59 Ups and downs Could the commercial real estate lending surge be dwindling? Analysts and community bankers weigh in on the prospects for CRE lending in the medium term 62 Small-Business Smarts Bill Atkinson on why CRM software can strengthen your smallbusiness lending relationships 64 Heads in the cloud Experts share why leveraging cloud-based lending is one way to compete more effectively with fintech lenders 80 All aboard the tech train How smaller community banks can get in on the user experiences customers have come to expect 82 Portfolio Management LIBOR, a key financing rate, is set to ride into the sunset By Jim Reber and Greg Roll The Back Page 84 15 Minutes With... Tom Wilbur, president and CEO of BANK VI and occasional rock star 84