Florida Banking October 2021

Editorial & Executive Offices 1001 Thomasville Road, Suite 201 Tallahassee, FL 32303 850-224-2265 www.floridabankers.com Advertising & Production Offices 945 Winnetka Ave. N., Ste. 145 Golden Valley, MN 55427 952-835-2275 For advertising information, contact Valerie Fischer, sales account executive 913-261-7055 Valerie@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 11 times annually with a combined issue in December/January. Subscription price is $50 per year for nonmembers. Postmaster, send address changes to Florida Bankers Association, P.O. Box 1360, Tallahassee, FL 32302. Copyright 2021 Alex Sanchez President and Chief Executive Officer Fax 952-835-2295 www.BankBeat.biz

THE MAGAZINE OF THE FLORIDA BANKERS ASSOCIATION

VOLUME 36

NUMBER 9

OCTOBER 2021

ON THE COVER 8 - - Terrabank: A Domestic Bank with an International Bend CONTENTS 4 - - - - - - - - -Chair’s Message 6 - - - - - - Straight Talk from the President's Desk 12 - - - - Government Relations: OUR Florida Program Helps Renters and Landlords Recover From the Pandemic 14 - - - - - - - -EIDL: A Program Beset By Fraud 16 - -BancServ Endorsed Partner: Ransomware Attacks Are Becoming More Prolific 18 - - - - - - FBEF: Faces of the Foundation 20 - - FBA's 2021 Trust & Wealth Management Conference 24 - - - - - Personal Transactions 26 - - - - - - - - - - - - - Kudos 29 - - - - - - FBA Staff Spotlight 30 - - - - - - - Upcoming Events 31 - - - - - - - - - Did You Know 31 - - - - - Advertising Directory

8

Florida Bankers Association asanchez@floridabankers.com Pamela Ricco Executive Vice President and Chief Operating Officer Florida Bankers Association pricco@floridabankers.com Brooke Harrison Publications Director Florida Bankers Association bharrison@floridabankers.com

4

6

Fab Brumley Chair

Bill Penney Chair-Elect

Greg Nelson Immediate Past Chair

Lloyd DeVaux Second Immediate Past Chair

20

On the Cover: Francisco Martinez Henares (Left), Chair, and Antonio Uribe, President and CEO. Photos by Daniese Betito, Images for Business, Orlando, Fla.

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