Tim Malzahn @TimMalzahn

Bitcoin is 50% pain, 45% boredom, 5% enthusiasm. Learn to deal with it, or get crushed.

Treasury Management: A Powerful Tool to Increase Deposits and Fee Income - Learn how to grow core deposits, increase fee income, and strengthen collaboration across your institution with this live, in-person, comprehensive introduction to Treasury Management. Join Marcia (Marci) Malzahn for her upcoming live seminar for Community Banks, Treasury Management: A Powerful Tool to Increase Deposits and Fee Income, on May 19, 2026 all day. Registration information in the first reply. Presenting in partnership with: @MinnBankers You'll learn strategies to offer the right Treasury Management services your business customers need based on the value these services provide to businesses. See you there!

Join @MarciMalzahn for her upcoming live training webinar, Vendor Management: How Model Risk Fits In, on March 31, 2026 from 1:30 - 3:00 Central. Register at: go.malzahnstrategic.com/vendor-managem… Presenting in partnership with: @OnCourseFS Strengthen Your Bank’s Vendor & Model Risk Management Strategy As banks increasingly depend on third-party providers for essential products and services, the risks associated with these partnerships continue to grow. Are you confident your institution has the right safeguards in place? Join us for an insightful training session designed to simplify and strengthen your Vendor Management Program and Model Risk Management Program - critical components of your Enterprise Risk Management (ERM) framework. This webinar will provide practical, actionable strategies to ensure your bank maintains regulatory compliance and operational resilience. What You’ll Learn: ✅ How to develop a comprehensive yet manageable Vendor Management Program ✅ Essential due diligence steps for assessing vendors, from your core system to technology-dependent banking products ✅ How to monitor, assess, and report vendor risk effectively ✅ An overview of OCC SR Letter 11-7 and its guidance on Model Risk Management ✅ How to define Model Risk and create a Model Risk Management Program tailored to your institution By the end of this session, you’ll walk away with a clear, structured approach to managing vendor and model risks, ensuring your institution stays compliant, secure, and prepared for the evolving regulatory landscape. Don’t miss this essential training! Secure your spot now and take a proactive approach to risk management. See you there!

Don't miss your chance to enhance your Enterprise Risk Management skills! Join Marcia (Marci) Malzahn on March 12th, 2026 from 2:00 - 3:30 CT for an in-depth training webinar, "Characteristics of Strong Risk Assessments and Tools to Monitor and Report Results." This session will equip you with practical tools and real-world examples that you can apply immediately to improve and develop your institution's risk assessments. In this dynamic webinar, you'll explore: ✅ An overall view of Enterprise Risk Management and its key components ✅ The three key phases of ERM and the integral role of risk assessments ✅ A step-by-step process to enhance your existing risk assessments ✅ The essential goal and defining characteristics of effective risk assessments ✅ The concept of a Risk Assessment System (RAS) and its connection to the CAMELS rating ✅ An analysis of the top eight risks and other critical factors ✅ How to use a matrix for conducting comprehensive ERM risk assessments ✅ Insights into various types of risk assessments tailored to different risk areas ✅ Examples of ongoing monitoring and reporting tools Register today at: go.malzahnstrategic.com/characteristic… Take the next step towards a more robust risk management framework. We look forward to seeing you there!

Join @MarciMalzahn for her upcoming live training webinar, Characteristics of Strong Risk Assessments and Tools to Monitor and Report Results, on March 12th, 2026 from 2:00 - 3:30 CT. Register today at: go.malzahnstrategic.com/characteristic… Risk Assessments are at the core of a strong Enterprise Risk Management (ERM) Program. Therefore, developing strong risk assessments for all key areas of your institution is crucial. You’ll walk away with practical tools and examples you can implement in your organization immediately. See you there!

Treasury Management: A Powerful Tool to Increase Deposits and Fee Income - Learn how to grow core deposits, increase fee income, and strengthen collaboration across your institution with a comprehensive introduction to Treasury Management. Join Marcia (Marci) Malzahn for her upcoming live webinar for Community Banks, Treasury Management: A Powerful Tool to Increase Deposits and Fee Income, on February 23, 2026 from 1:30-3:30 CT. Register today at: go.malzahnstrategic.com/treasury-manag… Presenting in partnership with: @OnCourseFS You'll learn strategies to offer the right Treasury Management services your business customers need based on the value these services provide to businesses. See you there!

Talent risk shows up quietly. Turnover in key roles Burnout among top performers Inconsistent execution across departments Knowledge walking out the door These are not HR issues alone. They are enterprise risks. Strong Talent Management helps institutions reduce operational risk, improve continuity, and protect institutional knowledge. If your risk discussions rarely include talent, that is a blind spot worth addressing.

Join Marcia (Marci) Malzahn and the Massachusetts Bankers Association for a two-part online workshop: Succession Planning for Community Banks January 15 & 22, 2026 | 10:00–12:00 ET This series will guide community bank leaders through a proven process to: • Build a structured succession plan • Assess and develop key talent • Strengthen leadership readiness across the organization Ensure your institution’s future leadership pipeline is ready for tomorrow. Registration Link: go.malzahnstrategic.com/succession-pla…

Succession Planning is critical for the long-term success of every community bank. Malzahn Strategic is offering a two-part Succession Planning for Community Banks Workshop presented with the Massachusetts Bankers Association on January 15, 2026 (First Part) and January 22, 2026 (Second Part) from 10:00 to 12:00 ET each day. Part two builds on part one, so be sure to mark your calendars for both days. Registration Link: go.malzahnstrategic.com/succession-pla… The two-part virtual workshop will help institutions: * Establish a structured succession process * Conduct talent assessments and identify skills gaps * Create personalized development plans for future leaders Participants will gain practical tools and AI-driven insights to build a strong leadership pipeline that ensures smooth transitions and sustained growth. Senior executives, board members, HR leaders, and department managers are encouraged to attend. See you there!

Risk management is at the heart of your bank’s success, and it’s essential for you to have the right processes, policies, and procedures in place to assess and manage the risks on your balance sheet effectively. Join Marcia (Marci) Malzahn for her upcoming training webinar, Creating the Right Enterprise Risk Management (ERM) Program for YOUR Community Bank, on October 16th, 2025 from 2:00 - 3:30 pm CT. Register at go.malzahnstrategic.com/creating-the-r… Learn the fundamental pieces of the ERM puzzle, how they relate to each other, and how to integrate your ERM program into your bank’s Strategic Plan. Topics Covered: ✅ERM general background and key definitions ✅How implementing an ERM Program can help your Community Bank survive and thrive ✅Identifying the specific building blocks/components of a simple yet complete ERM Program ✅The three key ongoing Phases of ERM: Identifying and Assessing Risk, Mitigating and Eliminating Risk, Monitoring and Reporting Risk ✅Creating an ERM Committee Charter and choosing the right ERM Committee members ✅Integrating the ERM Program into your Strategic Plan ✅Identifying Top Risk Categories, definitions, and how they are interrelated ✅ERM Risk Assessment Matrix – Definitions and example ✅Creating the Risk Management Appetite and Tolerance Statement ✅Implementing your ERM Program ✅The ERM Program Flowchart See you there!

@MalzStrategic Registration Link: go.malzahnstrategic.com/2025-iba-succe…

Join Marcia (Marci) Malzahn for her upcoming training webinar, Creating the Right Enterprise Risk Management (ERM) Program for YOUR Community Bank, on October 16th, 2025 from 2:00 - 3:30 pm CT. Register at go.malzahnstrategic.com/creating-the-r… Risk management is at the heart of your bank’s success, and it’s essential for you to have the right processes, policies, and procedures in place to assess and manage the risks on your balance sheet effectively. Learn the fundamental pieces of the ERM puzzle, how they relate to each other, and how to integrate your ERM program into your bank’s Strategic Plan. Topics Covered: ✅ERM general background and key definitions ✅How implementing an ERM Program can help your Community Bank survive and thrive ✅Identifying the specific building blocks/components of a simple yet complete ERM Program ✅The three key ongoing Phases of ERM: Identifying and Assessing Risk, Mitigating and Eliminating Risk, Monitoring and Reporting Risk ✅Creating an ERM Committee Charter and choosing the right ERM Committee members ✅Integrating the ERM Program into your Strategic Plan ✅Identifying Top Risk Categories, definitions, and how they are interrelated ✅ERM Risk Assessment Matrix – Definitions and example ✅Creating the Risk Management Appetite and Tolerance Statement ✅Implementing your ERM Program ✅The ERM Program Flowchart See you there!

Strengthen Your Bank’s Vendor & Model Risk Management Strategy - Join Marcia (Marci) Malzahn for her upcoming live training webinar, Vendor Management: How Model Risk Fits In, on August 21st, 2025 from 10:00 - 11:30 Central. Register at icba.org/events/details… Join us for an insightful training session designed to simplify and strengthen your Vendor Management Program and Model Risk Management Program - critical components of your Enterprise Risk Management (ERM) framework. This webinar will provide practical, actionable strategies to ensure your bank maintains regulatory compliance and operational resilience. What You’ll Learn: ✅ How to develop a comprehensive yet manageable Vendor Management Program ✅ Essential due diligence steps for assessing vendors, from your core system to technology-dependent banking products ✅ How to monitor, assess, and report vendor risk effectively ✅ An overview of OCC SR Letter 11-7 and its guidance on Model Risk Management ✅ How to define Model Risk and create a Model Risk Management Program tailored to your institution By the end of this session, you’ll walk away with a clear, structured approach to managing vendor and model risks, ensuring your institution stays compliant, secure, and prepared for the evolving regulatory landscape. Don’t miss this essential training! Secure your spot now and take a proactive approach to risk management.

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Join Marcia (Marci) Malzahn for her upcoming live training webinar, Vendor Management: How Model Risk Fits In, on August 21st, 2025 from 10:00 - 11:30 Central. Register at icba.org/events/details… Strengthen Your Bank’s Vendor & Model Risk Management Strategy As banks increasingly depend on third-party providers for essential products and services, the risks associated with these partnerships continue to grow. Are you confident your institution has the right safeguards in place? Join us for an insightful training session designed to simplify and strengthen your Vendor Management Program and Model Risk Management Program - critical components of your Enterprise Risk Management (ERM) framework. This webinar will provide practical, actionable strategies to ensure your bank maintains regulatory compliance and operational resilience. What You’ll Learn: ✅ How to develop a comprehensive yet manageable Vendor Management Program ✅ Essential due diligence steps for assessing vendors, from your core system to technology-dependent banking products ✅ How to monitor, assess, and report vendor risk effectively ✅ An overview of OCC SR Letter 11-7 and its guidance on Model Risk Management ✅ How to define Model Risk and create a Model Risk Management Program tailored to your institution By the end of this session, you’ll walk away with a clear, structured approach to managing vendor and model risks, ensuring your institution stays compliant, secure, and prepared for the evolving regulatory landscape. Don’t miss this essential training! Secure your spot now and take a proactive approach to risk management.

📣 Calling all Treasury Management Leaders! The Indiana Bankers Association is once again hosting its Treasury Management Forum - a high-impact event for professionals who sell, support, or manage TM services. Seats are limited to keep discussions meaningful. Don’t miss your chance to grow your TM team’s impact. 📅 Meets three times per year 🔗Details & registration here: indiana.bank/event/4876-2

Webinar is Today! Join my webinar on the topic of: Encouraging the Next Generation of Women Leaders. Dt/Tm: July 24th, 2025 from 1:30 - 3:00 CT Reg Link: bit.ly/44O2ZTM Missed it? Recording available for purchase at the same link.

Join Marcia (Marci) Malzahn for her upcoming training webinar, Encouraging the Next Generation of Women Leaders: July 24th, 2025 from 1:30 - 3:00 CT. Register today at bit.ly/44O2ZTM See you there!

Webinar is Today! Join our webinar on the topic of: Treasury Management: A Powerful Tool to Increase Deposits and Fee Income. Dt/Tm: June 26th, 2025 from 1:30 - 3:30 CT Reg Link: bit.ly/4krWElT Missed it? Recording available for purchase at the same link.