Florida Banking December 2024-January 2025

Editorial & Executive Offices 1001 Thomasville Road, Suite 201 Tallahassee, FL 32303 850-224-2265 www.floridabankers.com Advertising & Production Offices 250 Prairie Center Dr., Ste. 300 Eden Prairie, MN 55344 952-835-2275 www.nfrcom.com For advertising information, contact Erica Nelson Advertising Sales Executive 763-497-1778 Erica@NFRcom.com For reprints or single issues, contact 800-336-1120 Statements of fact and opinion are made on the responsibility of the authors alone and do not imply an opinion or endorsement on the part of the officers or members of FBA. Florida Banking is published six times annually. Subscription price is $50 per year for nonmembers. Postmaster, send address changes to Florida Bankers Association, P.O. Box 1360, Tallahassee, FL 32302. Copyright 2024 Kathy Kraninger President and Chief Executive Officer Florida Bankers Association kkraninger@floridabankers.com Pamela Ricco Executive Vice President and Chief Operating Officer A

THE MAGAZINE OF THE FLORIDA BANKERS ASSOCIATION

VOLUME 39

NUMBER 9 DECEMBER 2024/JANUARY 2025

ON THE COVER 8 - - - - - - - - - - Bradesco Bank

Bridging International Banking and Finance

CONTENTS 4 ---------- Chair’s Message Year-End Reflections and 2025 Priorities for Florida’s Banking Community 6 - - - - - - President's Perspective Election Outcomes and the Ripple Effects 12 - - BancServ Endorsed Partner Four Ways to Protect Your Financial Institution from Online Threats 14 - - Trust & Wealth Management Ignore the Weather – Stay the Course With the U.S. 16 - - - - - Government Relations Looking Ahead: The 2025-26 Florida Legislature 18 - - - - - - - FBA Trust & Wealth 20 - - - - - - - - - BankPac Update 22 - - - - - - - - - - - FBEF Donors 24 - - - - - - Personal Transactions 26 - - - - - - - - - - - - - - Kudos 30 - - - - - - - - Upcoming Events 31 - - - - - - Advertising Directory Management Conference Here are highlights from the 2024 Conference

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Cover Story (left to right): Bradesco Bank Head of Real Estate Finance Jeff Gross, President & CEO Henrique Lima, and Head of Private Wealth Management Mauricio Farias Photos by Steven Martine Photography

Florida Bankers Association pricco@floridabankers.com Suellen Wilkins Director of Communications Florida Bankers Association swilkins@floridabankers.com

Derek Jones Chair

Keith Costello Chair-Elect

Jose Cueto Immediate Past Chair

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Florida Bankers Association: The voice of Florida banking since 1888.

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