APRIL 2023 5 Flourish 7 From the Top IN EVERY ISSUE CURRENCIES ¡ Media Memo: An animated approach to creativity ¡ History Lesson: British goldsmiths: The rise of modern banking? ¡ The Ledger: Compensation is on the rise ¡ Defining Finance: What is buy now, pay later (BNPL)? 16 28 PORTFOLIO 18 How to market your bank as an employer What Great Resignation? 22 Are your bank's BSA/ AML programs up to date? Tips for better compliance 24 Leadership at All Levels Crafting a standout job post CONNECTIONS 68 64 Trailblazer Webster Bank supports financial education at the Wakeman Boys & Girls club. 68 Community Spirit How Native American Bank is helping Indian country heal 70 Bulletin Board A look back at ICBA LIVE 2023 72 Member Benefits ICBA's national public awareness campaign 74 Listen Up Passionate about innovation 76 Out of Office Birding is Liz McIntyre's form of meditation. 25 Add text-to-pay to your payments toolbox Text-to-pay helps businesses offer convenience to their customers. 27 Innovation Station Four places to recruit tech talent 28 Scaling your core as you grow Ensure your core banking platform scales with you. 30 Mortgage lenders adapt to higher-rate cycle Lenders are getting creative to shore up originations as rates rise. 32 Portfolio Management The complicated relationship between yield and risk 34 Checks & Balances What to expect at ICBA Capital Summit 2023 next month 0001011 10101110 10110 01101 0001011 10101110 10110 01101 0001011 10101110 10110 01101 0001011 0001011 10101110 10110 01101 0001011 10101110 10110 01101 0001011 10101110 10110 01101 0001011 10101110 10110 01101 0001011 10101110 Connect with ICBA @icba facebook.com/icbaorg linkedin.com/company/icba youtube.com/user/ communitybankchannel @banklocally @myicba 2 // ICBA Independent Banker // April 2023http://www.youtube.com/user/communitybankchannel http://www.youtube.com/user/communitybankchannel http://www.facebook.com/icbaorg http://www.linkedin.com/company/icba