2020 Journal of Community Bank Studies

2020 COMMUNITY BANK CASE STUDY COMPETITION

Strischek, Dev. “Part 2: Types of Credit Cultures.” Cms.rmau.org , Credit Considerations, Dec. 2002, cms.rmau.org/uploadedFiles/Credit_Risk/Library/RMA_Journal/Credit_Culture/Credit%20Culture_%20 Part%20II%20Types%20of%20Credit%20Cultures.pdf. Teng, Zhang. Defensive SAR Filing: An Unnecessarily Heavy Burden on the AML Field . ACAMS-FCI WHITE PAPER, 2018, Defensive SAR Filing: An Unnecessarily Heavy Burden on the AML Field , files.acams.org/pdfs/2019/Teng-Zhang-3-20-18.pdf. “Virginia Farm Bureau Agriculture Facts.” Virginia Farm Bureau, www.vafb.com/membership-at-work/ agriculture/agriculture-facts. Walsh, Patrick D. “Check Kiting.” Encyclopædia Britannica , Encyclopædia Britannica, Inc., 5 June 2016, www.britannica.com/topic/check-kiting. Wooten, Kylee. “Measuring What Community Banks Bring to the Table.” ABA Banking Journal, 24 Apr. 2019, bankingjournal.aba.com/2019/04/measuring-what-community-banks-bring-to-the-table/. United States, Congress, The Illicit Cash Act . 2019. U.S. Government Accountability Office. “Bank Secrecy Act: De-risking along the Southwest Border Highlights Need for Regulators to Enhance Retrospective Reviews.” U.S. Government Accountability Office (U.S. GAO) , 26 Feb. 2018, www.gao.gov/products/GAO-18-263. “Yellow Hammer BSA.” Jack Henry Banking , Jack Henry & Associates, Inc., www.jackhenrybanking.com/ information-security-and-risk-management/financial-crimes-solutions/pages/yellow-hammer-bsa.aspx. Acknowledgments We would first and foremost like to thank Dr. Carl Larsson for all his help throughout the duration of the project. This case study would not have been possible without his weekly motivation and guidance. A huge thank you to the members of F&M Bank who were crucial for the completion of this project, primarily Mark Hanna, Karen Rose, Niki Park, Meghan Hise, and Stephanie Shillingburg. It was a pleasure to work with them throughout this past year. We would also like to thank our additional readers for taking the time out to provide feedback throughout this process – Dr. Weiwei Zhang and Professor William B. Collier. We appreciate the encouragement and insight all of those listed have offered. We simply could not have completed this case study without them. *The authors alone are responsible for any errors and for the views expressed in this paper.

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