Pub. 3 2012 Issue 4

www.wvbankers.org 4 22 8 7 Changing West Virginia’s Attitude Our Association can only grow stronger by taking your feedback into account, and striving for continuous improvement in response to the needs and advice of our members. By Joe Ellison, President and CEO 8 Servicemembers Civil Relief Act: Protections Against Default Judgment By understanding the procedural protections and remedies provided by section 521, your business will be better prepared to take the necessary precautionary measures to avoid additional litigation, obtain valid judgments, promote your good will in the community, and reduce the chance of damage to your reputation. By Angela L. Beblo and Brienne T. Marco, Spilman Thomas & Battle, PLLC 10 Your Bank Branches: What Role Will They Play in Your Future Business Model? You’ll need to be more deliberate about building in customer experience methodology and measurement to ensure you stay on the right path. When customers don’t feel valued or appreciated, they leave – regardless of your branch banking strategy. By Petro Tsarehradsky, Vice President Marketing, Financial Services, Deluxe Corporation 12 EEOC Issues — Updated Guidance on Employer Use of Criminal Background Information Because many employers obtain information about criminal records as part their background checks, changes to their policies and practices may be warranted as a result of this development. By Mark H. Dellinger, Partner, Bowles Rice LLP 18 Investment Management: Rules for Risk and Reward Among other things, the bond portfolio has suddenly taken on greater importance as an earning asset. This raises questions about the best method for strategic management of the investment process. By Jeffrey F. Caughron, Associate Partner, The Baker Group LP 22 Supervision of Technology Service Providers The financial institution should ensure their risk management process includes the use of TSPs to adequately address the risks introduced with using TSPs to provide customer products and services. By Chris Joseph, CPA, CISA, CRISC, CITP 25 The Five Enduring Principles of Enterprise Risk Management ERM is certainly the buzz right now, raising questions as diverse as: Is it just one more regulatory requirement? Is it a sophisticated management method to build performance? Is it a welcome aid in difficult operating environments? Does it identify the risk/reward dynamic that captures the essence of banking? . By Jack R. Salvetti and Nancy D. Schell, S.R. Snodgrass, A.C. 26 Calendar of Events