Pub. 4 2015 Issue 3

C O N T E N T S VACB EXECUTIVE COMMITTEE CHAIRMAN John R. Caldwell President & CEO The Farmers Bank of Appomat- tox Appomattox CHAIRMAN ELECT Michael A. Ewing Chairman, Vice President & CEO Oak View National Bank Warrenton VICE CHAIR Alice P. Frazier EVP & COO Cardinal Bank McLean PRESIDENT & CEO Steven C. Yeakel, CAE President & CEO VACB Richmond IMMEDIATE PAST CHAIRMAN Jeff W. Dick President & CEO MainStreet Bank Fairfax ICBA STATE DIRECTOR Samuel L. Neese President & CEO Highlands Union Bank Abingdon VACB DIRECTORS CHAIR SERVICES COMMITTEE Elizabeth M. Bentley Union First Market Bank Richmond 2015 Randal R. Greene Bank of Lancaster Kilmarnock 2015 Lloyd B. Harrison Virginia Partners Bank Fredericksburg 2016 Brian K. Plum Blue Ridge Bank Luray 2017 Elizabeth Berkner Burke & Herbert Bank Alexandria 2017 Lynda P. Cunningham Bank of McKenney McKenney 2017 Dennis A. Dysart First Bank Strasburg 2017 J. Allan Funk Grayson National Bank Independence 2017 Mark C. Hanna EVB Newport News 2017 G. Lyn Hayth, III Bank of Botetourt Buchanan 2017 A. Preston Moore, Jr. Virginia Community Bank Louisa 2017 Howard F. Pisons Community Banker’s Bank Midlothian VACB STAFF Katharine C. Garner, CMP Vice President Education & Communications Kelli C. Mallinger Director Member Services © 2015 Virginia Association of Community Banks | e newsLINKGroup, LLC. All rights reserved. e Community Banker is published four times each year by e newsLINKGroup, LLC for the Virginia Association of Community Banks and is the o cial publication for this association. e information contained in this publication is intended to provide general information for review and consideration. e contents do not constitute legal advice and should not be relied on as such. If you need legal advice or assistance, it is strongly recommended that you contact an attorney as to your speci c circumstances. e statements and opinions expressed in this publication are those of the individual authors and do not necessarily represent the views of the Virginia Association of Community Banks, its board of directors, or the publisher. Likewise, the appearance of advertisements within this publication does not constitute an endorsement or recommendation of any product or serviced advertised. e Community Banker is a collective work and as such some articles are submitted by authors that are independent of the Virginia Association of Community Banks. While e Community Banker encourages a rst print policy, in cases where this is notpossible,everye orthasbeenmadetocomplywithanyknownreprintguidelinesorrestrictions.Contentmaynotbereproducedorreprintedwithoutpriorwrittenpermission.Forfurther information,pleasecontactthepublisherat:855-747-4003. 8 12 20 6 Chairman’s Message 6 President’s Message 8 FromDesperation to Dedication: Robbery Prevention, Apprehension and Recovery through the Eyes of a Former Bank Robber 10 Organizing Sales & Marketing Data to Improve ROI 12 Can You Tame the Black Swan? 16 Bank Bytes: FFIEC Cybersecurity Assessment Tool—Reader’s Digest Version 19 Mobile Fraud Alerts 20 How Financial Institutions Need to Market to Emerging Affluent Millennials 10