Thank you for the kind introduction, Emily, and thanks to all of you for joining us today for our third annual Eleventh District Banking Conference. I’m excited to gather bankers, regulators and supervisors to discuss the timely topics of banking conditions, fraud mitigation and integration with service providers. We regularly host events such as today’s conference to connect with bankers and deepen our understanding of the current landscape. It’s a pleasure to partner once again with the Texas Department of Banking to host this event. Thank you for being here and for taking part in this important dialogue. We have ... (full story)