October 2023

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As we wrap up October and Cybersecurity Awareness Month, I’d like to put forth a challenge: Think of risk mitigation not as a reminder of necessary defenses but as an opportunity to put innovative thinking to work. At their core, risk mitigation and innovation are intricately tied. Neither is an individual project; they’re ways of

Tailgate Cosponsored by MIB and Bell Bank October 14thMontana STATE BOBCATS vs. Cal Poly MustangsScore: Bobcats 59 / Cal Poly 19Cooler Drawing Winner: Caleb VelgersdykRTIC Cooler Donated by Bell Bank

Tailgate Cosponsored by MIB and UBB September 16thMontana Grizzlies vs. Ferris State BulldogsScore: Grizzlies 17 / Ferris State 10Game Winners: AJ King, Three Rivers Bank and Gary Wagner, Ascent Bank

Young & Associates provides banks and thrifts with support for their compliance programs, independent reviews, and in-bank training, as well as a full menu of management consulting, loan review, IT consulting and policy systems. BSA. Q: Are we required to verify the identity of the beneficial owners that are listed on the beneficial ownership certification

Technology continues to insinuate itself into almost every facet of our daily lives, whether it is personal or work-related. As a result, protecting data privacy has become increasingly more relevant to every consumer and business. In 2022, 422 million people were affected by data breaches at U.S. companies with an average of 4.8 breaches per

The phenomenon of “quiet quitting” in the workplace is growing in recognition. It often refers to workers fulfilling their job description duties while refusing to go above and beyond or invest emotionally in their work. Over 50% of workers surveyed by Gallup in June 2022 said they feel this way about their current positions. Other

Home Equity Line of Credit (HELOC) scams continue to be a costly and challenging issue for financial institutions. Wire transfer fraud can easily reach millions of dollars, and with advancements in technology such as online databases for county clerk records, online banking and online title searching, data commonly used by financial institutions to verify customer

“As you get older, three things happen: the memory goes, and I forget the other two.” — Erma Bombeck Being one who can empathize with the late, great humorist Ms. Bombeck, I thought it might be interesting to discuss a segment of the fixed-income universe that has served community banking well over the decades. It’s

In the ever-evolving landscape of the financial industry, Young & Associates, Inc. (Y&A) has consistently stood as a beacon of expertise and guidance for banks, credit unions and financial institutions across the nation. Founded in 1978, Y&A has not only weathered the storms of change but has thrived in this dynamic arena, offering a comprehensive