The Community Banker - Summer 2017

OF F I C I A L PUB L I CA T I ON OF THE COMMUN I T Y B ANK E R S OF WE S T V I RG I N I A S UMME R 2 0 1 7 CONTENTS: •3 Gratitude! •5 CECL: 22nd Annual Convention Sponsors •6 A Call for Consistency •8 The Human Touch •9 CBWVContinuestobeStrongAdvocateforCommunityBanking •10 ToBuildorNotBuild-ThatistheQuestion •11 Benefits Buzz • 12 Thank You • 13 Baby Boomers andGen Xers and the “T”Word •14 Client Alert: Avoiding Pitfalls in Responding to Subpoenas •15 ICBA Announces National Community Bank Service Award Honorees •17 Down the Road: What to Expect with Visa, Mastercard Delaying AFD Liability Shift to 2020 •18 BSA/AMLModel Validation •19 Understanding SBA’s EPC/ OC Rules •21 2017 Convention Highlights •22 Let’s Authenticate: The New Digital Payment Fraud •23 By the Numbers: Reduction in Call Report Requirements for Small Financial Institutions •24 Feature Associate Member: AaSys •25 Featured Member Banks: Calhoun County Bank&ClearMountain Bank •26 UpcomingWebinars