Florida Banking October 2023

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 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 2022 Alex Sanchez President and Chief Executive Officer

THE MAGAZINE OF THE FLORIDA BANKERS ASSOCIATION

VOLUME 38

NUMBER 9

OCTOBER 2023

ON THE COVER 8 �� �� �� �� �� �� �� �� �� � Evermore Bank: Answering the Community's Call CONTENTS 4 �� �� �� �� �� �� �� �� �Chair’s Message 6 �� �� �� �� �� ��Straight Talk from the President’s Desk 12 �� �� �� �� Government Relations: A Silver Anniversary: Twenty-Five Years with FBA in the Books 14 �� �� �� �Florida BankPac Update 16 �� ��Bancserv Endorsed Partner: Wire Transfer Fraud Loss Prevention: The importance of written agreements and following funds transfer procedures 20 �� �� �� Trust Banking: Who’s the Boss? Navigating the Trustee Guardian Relationship 23 �� �Florida Bankers Educational Foundation: Go Back to School With FBA’s Help – Apply For an FBEF Scholarship! 24 �� �� �� �� ��Florida Bar Grievance Mediation and Fee Arbitration Program is Seeking Volunteers 25 �� �� �� �� ��Personal Transactions 27 �� �� �� �� �� �� �� �� �� �� �� �� ��Kudos 31 �� �� �� �� �� �� ��Upcoming Events 31 �� �� �� �� �� Advertising Directory 31 �� �� �� �� �� �� �� �� Did You Know?

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

Jose Cueto Chair

Derek Jones Chair-Elect

Bill Penney Immediate Past Chair

Fab Brumley Second Immediate Past Chair

28

On the Cover: The Evermore Bank leadership, from left: Kris Barnhart, Steven Sanzone, and Filip Feller.

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

Photos by Steven Martine Photography