Category Archives: Uncategorized

Longtime San Diego Banker & Business Executive Joins Regents Bank

Screen Shot 2017-05-07 at 5.22.24 PMWe’re pleased to announce that Jim Kelley has joined our bank as Senior Vice President/Senior Relationship Manager. Jim will work out of our Escondido Office. A seasoned banker, Jim brings over 30 years of commercial banking and business development experience with an extensive background in commercial, small business administration (SBA) and real estate lending.

Jim worked for several successful commercial banks throughout San Diego in various capacities, ranging from Vice President/Branch Manager many years ago to Senior Vice President/Chief Lending Officer in the late 90s to President/CEO of Discovery Bank from 2000 to 2007. He most recently served as Senior Vice President/Group Manager for Comerica Bank.

In addition to his extensive banking experience, Jim served as CFO for the sports cards and memorabilia company Upper Deck and for the computer cable manufacturer C Enterprises—both headquartered in San Diego.

“Between my experience as CFO of multi-million dollar companies and my work as founding president of Discovery Bank, I understand what it takes to start and run a business,” said Jim. “I love that I can use that expertise to help a wide variety of San Diego businesses and that I’m doing it with a bank that forms such close connections with its clients.”

While he works with a wide cross section of businesses, Jim has specialized expertise working with manufacturing, distribution and service companies.

Jim resides in Vista. He earned his bachelor’s degree from San Diego State University and received his executive MBA from Pacific Coast Banking School in Washington.

When he’s not working, Jim and his family enjoy sailing around San Diego Harbor or further afield off the San Diego coast.

We look forward to Jim’s contributions to our team. Welcome, Jim!

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Regents Rovers Raising Funds to Save Animals

Regents Bank is excited to participate once again in San Diego Humane Society’s Walk for Animals San Diego. On Saturday, May 7, we’ll grab our pups (or other leashed pets), put on our walking shoes and hit the pavement for a two-mile walk at Liberty Station.

San Diego Humane Society raised so much money last year that San Diego County became a no-kill county for the first time ever! We want to continue that effort.

Regents Rovers - SDHS Blog & FB cover

Regents Rovers 2015

This year, we aim to grow our walking team and the donations we raise, and we’re inviting you to join us. We’d love to have you on our team. You and your furry friend(s) will enjoy free giveaways and great company (if we do say so ourselves).

If you can’t walk, a small donation would help so many animals in such a big way. Donations provide food, medical care and a safe haven for thousands of animals in need. Furthermore, this event has literally made the difference between life and death for San Diego animals.

Want to walk with us? Click herescreen-shot-2016-09-13-at-11-07-51-am and go to Join Team – we are the Regents Rovers. This linkscreen-shot-2016-09-13-at-11-07-51-am takes you to our team page, where you can donate.

Location
NTC Park at Liberty Station
2455 Cushing Road
San Diego, CA 92106

Schedule of Events

  • 7:00 a.m. — Registration, Pancake Breakfast, Doggie Activities, Vendor Village
  • 8:30 a.m. — Blessing of the Animals
  • 8:45 a.m. — Warm-up
  • 9:00 a.m. — Walk begins
  • 9:30 a.m. — Doggie activities and Vendor Village continue until noon

Fees

  • $40 – Adults (ages 18+)
  • $20 – Children (ages 17 and under)
  • $10 – Cat Nappers (Individuals who are raising funds but not attending the Walk)

All registered participants will receive a commemorative Walk for Animals T-shirt! T-shirts for Cat Nappers will be mailed after the event.

Thank you in advance for all who participate and/or donate. It’s a doggone good thing you’ll be doing! (You didn’t think we could get through this whole article without a pun, did you?)

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screen-shot-2016-09-13-at-11-07-51-am Linking to Non-Regents Bank Websites

This icon appears next to every link that directs to a third party website not affiliated with Regents Bank. Please be advised that if you click this link you will be taken to a website hosted by another party, where you will no longer be subject to, or under the protection of, the privacy and security policies of Regents Bank. We recommend that you review and evaluate the privacy and security policies of the site that you are entering. Regents Bank assumes no liability for the content, information, security, policies or transactions provided by these other sites.

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FBI Article: Ransomware on the Rise

We noticed that a lot of you really liked the last FBI cyber security article we ran. We’re pleased the Bureau has encouraged us to share their articles on this topic, so we’re happy to do so again. This article deals with a concerning type of cybercrime called ransomware, where a malware restricts access to the infected computer/network and demands that the operators pay some sort of ransom to regain control of their network. We hope this article is helpful to you. Please let us know if you have information or ideas on this topic that our readers may want to hear.

You can find this article, as well as many other articles you may find valuable to keep your business and staff secure against cybercrime, at this web address:

https://www.fbi.gov/news/stories/2015/january/ransomware-on-the-rise/ransomware-on-the-risescreen-shot-2016-09-13-at-11-07-51-am

For more information about fraud protection tools and product features provided by Regents Bank, please visit our website.

Ransomware on the Rise
FBI and Partners Working to Combat This Cyber Threat

Your computer screen freezes with a pop-up message—supposedly from the FBI or another federal agency—saying that because you violated some sort of federal law your computer will remain locked until you pay a fine. Or you get a pop-up message telling you that your personal files have been encrypted and you have to pay to get the key needed decrypt them.

Screen Shot 2015-12-03 at 10.50.23 AMThese scenarios are examples of ransomware scams, which involve a type of malware that infects computers and restricts users’ access to their files or threatens the permanent destruction of their information unless a ransom—anywhere from hundreds to thousands of dollars—is paid.

Ransomware doesn’t just impact home computers.
Businesses, financial institutions, government agencies, academic institutions, and other organizations can and have become infected with it as well, resulting in the loss of sensitive or proprietary information, a disruption to regular operations, financial losses incurred to restore systems and files, and/or potential harm to an organization’s reputation.

Ransomware has been around for several years, but there’s been a definite uptick lately in its use by cyber criminals. And the FBI, along with public and private sector partners, is targeting these offenders and their scams.

Screen Shot 2015-12-03 at 10.47.22 AMWhen ransomware first hit the scene, computers predominately became infected with it when users opened e-mail attachments that contained the malware.
But more recently, we’re seeing an increasing number of incidents involving so-called “drive-by” ransomware, where users can infect their computers simply by clicking on a compromised website, often lured there by a deceptive e-mail or pop-up window.

Another new trend involves the ransom payment method. While some of the earlier ransomware scams involved having victims pay “ransom” with pre-paid cards, victims are now increasingly asked to pay with Bitcoin, a decentralized virtual currency network that attracts criminals because of the anonymity the system offers.

Also a growing problem is ransomware that locks down mobile phones and demands payments to unlock them.

The FBI and our federal, international, and private sector partners have taken proactive steps to neutralize some of the more significant ransomware scams through law enforcement actions against major botnetsscreen-shot-2016-09-13-at-11-07-51-am that facilitated the distribution and operation of ransomware.

For example:

  • Reveton ransomware, delivered by malware known as Citadel, falsely warned victims that their computers had been identified by the FBI or Department of Justice as being associated with child pornography websites or other illegal online activity. In June 2013, Microsoft, the FBI, and our financial partners disrupted a massive criminal botnet built on the Citadel malware, putting the brakes on Reveton’s distribution. FBI statementscreen-shot-2016-09-13-at-11-07-51-am and additional details.screen-shot-2016-09-13-at-11-07-51-am
  • Cryptolocker was a highly sophisticated ransomware that used cryptographic key pairs to encrypt the computer files of its victims and demanded ransom for the encryption key. In June 2014, the FBI announced—in conjunction with the Gameover Zeus botnet disruption—that U.S. and foreign law enforcement officials had seized Cryptolocker command and control servers. The investigation into the criminals behind Cryptolocker continues, but the malware is unable to encrypt any additional computers.Additional details.screen-shot-2016-09-13-at-11-07-51-am

If you think you’ve been a victim of Cryptolocker, visit the Department of Homeland Security’s U.S. Computer Emergency Readiness Team (CERT) CryptoLocker webpagescreen-shot-2016-09-13-at-11-07-51-am for remediation information.

The FBI—along with its federal, international, and private sector partners—will continue to combat ransomware and other cyber threats. If you believe you’ve been the victim of a ransomware scheme or other cyber fraud activity, please report it to the Bureau’s Internet Crime Complaint Center.screen-shot-2016-09-13-at-11-07-51-am

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screen-shot-2016-09-13-at-11-07-51-am Linking to Non-Regents Bank Websites

This icon appears next to every link that directs to a third party website not affiliated with Regents Bank. Please be advised that if you click this link you will be taken to a website hosted by another party, where you will no longer be subject to, or under the protection of, the privacy and security policies of Regents Bank. We recommend that you review and evaluate the privacy and security policies of the site that you are entering. Regents Bank assumes no liability for the content, information, security, policies or transactions provided by these other sites.

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Regents Bank Welcomes Hanaa Zahran as Senior Vice President/Senior Relationship Manager

Hanaa Zahran Hensersky headshot
Do you prefer to converse with your banker in Spanish? How about French? Arabic? Russian? We’re very pleased to welcome the multi-lingual and remarkably accomplished banker Hanaa Zahran to our Regents Bank team. Hanaa joins us as a senior vice president and senior relationship manager in our La Jolla office.  While she is prepared to speak with you in five different languages, working capital cash flow lingo is by far her favorite!

Hanaa looks forward to promoting and practicing the Regents Bank philosophy of advisory relationship banking within the San Diegan business community. She has worked extensively with clients in the technology and government sectors, but says that she enjoys being a generalist. “The opportunity to add value to many types of businesses and see the impact of the advice I share is tremendously exciting,” she said. “As bankers, we help our clients from the outside looking in, but if you really take the time and care, you can become an even more valuable asset to your client; you become part of your client’s team.”

No stranger to San Diego, Hanaa has worked at local offices of Bank of America/Merrill Lynch as a global treasury management advisor and senior vice president, as well as Union Bank of California and Silicon Valley Bank. She is a Certified Treasury Professional with extensive background in global treasury management, advisory sales, business development and relationship management.

Hanaa has applied her training and experience in treasury management to help her clients more effectively manage their cash flow. Hanaa believes that the impact of ineffective working capital management can be disastrous to a business. Hanaa states, “It is our duty as bankers to guide our clients into effective working capital management practices and help them navigate and mitigate risk.”

When not at work, theater goers may find Hanaa at La Jolla Playhouse,screen-shot-2016-09-13-at-11-07-51-am where she has served as a board member for nine years, also serving on the theater’s finance, investment and audit committees. She is an active member of both the national and regional Associations for Financial Professionals, Business Executives Councilscreen-shot-2016-09-13-at-11-07-51-am and supports various local charities. She has a soft spot for helping children specifically in the areas of health, safety and education.

Hanaa is originally from Alexandria, Egypt and earned her degree in English Language and Literature from the University of Alexandria. She earned her accreditation as a Certified Treasury Professional from the Association of Financial Professionals.

If our Mandarin-speaking friends are asking why Hanaa doesn’t speak Mandarin too, fear not, she’s currently studying the language…and trying to keep up with her high school-aged son who is already fluent.

Welcome, bienvenudos, bienvenue, Marhaba and Dobro Pozhalovt, Hanaa! (Um, we’re still working on our Mandarin, too.)

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screen-shot-2016-09-13-at-11-07-51-am Linking to Non-Regents Bank Websites

This icon appears next to every link that directs to a third party website not affiliated with Regents Bank. Please be advised that if you click this link you will be taken to a website hosted by another party, where you will no longer be subject to, or under the protection of, the privacy and security policies of Regents Bank. We recommend that you review and evaluate the privacy and security policies of the site that you are entering. Regents Bank assumes no liability for the content, information, security, policies or transactions provided by these other sites.

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Eighth Consecutive Quarter of BauerFinancial 5-Star Rating for Grandpoint Bank and its Divisions

5starjun15It means a lot to us to have our clients’ trust, and we work hard to maintain it. We know you want to have top-notch business advisors and a rock-solid financial institution at your disposal, and on that note, we’re happy to share that Grandpoint Bank and its divisions Regents BankBank of Tucson and The Biltmore Bank of Arizona, received an eighth consecutive 5-Star rating for strength, stability and soundness from independent rating and research firm BauerFinancial.screen-shot-2016-09-13-at-11-07-51-am The five star rating, which was based on March 31, 2015 financial data, goes only to banks that are considered the strongest in the nation.

BauerFinancial is regarded as “the nation’s bank rating service,” and banks cannot pay to be rated nor opt out of being rated. Ratings, which range from zero to five stars, are determined by a bank’s capital strength, asset quality and profitability, using quarterly financial reports filed with the government by each bank, with historical comparison for consistency.

First quarter results also earned Grandpoint and its divisions another A+ health rating from DepositAccounts.com,screen-shot-2016-09-13-at-11-07-51-am an independent bank health monitoring publication covering banks for nearly a decade. Grandpoint has earned their A+ rating for 17 consecutive quarters.

DepositAccounts.com provides information about bank health free of charge to consumers. Using a proprietary algorithm, DepositAccounts.com’s ratings reflect the strength and stability of more than 14,000 financial institutions.

Thanks to all of our wonderful team members and clients who help make this possible.

screen-shot-2016-09-28-at-7-28-21-pm_______________________________________________________________________________________________________________________________

screen-shot-2016-09-13-at-11-07-51-am Linking to Non-Regents Bank Websites

This icon appears next to every link that directs to a third party website not affiliated with Regents Bank. Please be advised that if you click this link you will be taken to a website hosted by another party, where you will no longer be subject to, or under the protection of, the privacy and security policies of Regents Bank. We recommend that you review and evaluate the privacy and security policies of the site that you are entering. Regents Bank assumes no liability for the content, information, security, policies or transactions provided by these other sites.

Meet Devin Jackson, Relationship Manager at Regents Bank

Devin JacksonVancouver, Washington and the Portland metro area are often called out as a great place to live. We know it’s also a great place to do business, and our Vancouver office is staffed with people, like Devin Jackson, who are passionate about helping local companies grow and succeed.

Devin, a vice president at Regents Bank, is home-grown and even knows some of his clients from his school days at Skyview High School, Gonzaga University (BS degree in Finance) and Willamette University (current MBA program). He enjoys living in an area that’s very metropolitan but retains a small town vibe. He likes that he’s always running into his clients at the grocery store, the movie theater (he’s a film buff), Portland Timbers soccer games (and a soccer fan) and just about everywhere else he goes.

That’s not all he does with his free time, though. He just wrapped up a seven-year stint as a Big Brother to a local youth (who’s not so young anymore), and he’s currently chair of the Fort Vancouver Regional Library Foundation,screen-shot-2016-09-13-at-11-07-51-am which supports ongoing activities promoting lifelong learning and literacy. As chair of the Foundation, Devin is focused on building new libraries in three local communities. It’s a capital project he expects will take five years. He’s also a big supporter of the Library’s free educational seminars for current and would-be business owners and entrepreneurs.

Helping businesses focused on growth is what most excites Devin about his work at Regents Bank. The service he strives to provide goes beyond standard banking assistance. He enjoys determining the resources his clients need and providing useful connections and information that will help his clients succeed. His clients often describe him as a consultant as well as a banker – something that distinguishes Devin and Regents Bank from competitors.

Devin believes that being a good community banker means understanding the unique challenges of his clients and their industries. He knows that his construction-related companies in the northwest face seasonal challenges, which can translate into cash flow issues and the need to maintain lines of credit. Manufacturers run into similar challenges with the ebb and flow of fulfilling orders and receiving payments. No matter what the industry, Devin says that long-term, close relationships between Regents’ bankers and their clients are always important, especially during challenging economic times or when the business is contemplating a big change, such as an acquisition or building purchase.

Devin is also frequently part of the team of relationship managers at Regents Bank who work with multi-generational business owners in our area in order to help maintain a relationship legacy. When one generation passes along the reins to the next, no one wants to sacrifice or compromise the professional relationships they’ve worked so hard to cultivate.

So, the next time you see Devin around town or at the movies – or maybe at a Vancouver Chamber of Commerce or Southwest Washington Contractors Association meeting -be sure to say hello. Devin looks forward to chatting with you.

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screen-shot-2016-09-13-at-11-07-51-am Linking to Non-Regents Bank Websites

This icon appears next to every link that directs to a third party website not affiliated with Regents Bank. Please be advised that if you click this link you will be taken to a website hosted by another party, where you will no longer be subject to, or under the protection of, the privacy and security policies of Regents Bank. We recommend that you review and evaluate the privacy and security policies of the site that you are entering. Regents Bank assumes no liability for the content, information, security, policies or transactions provided by these other sites.

“Banker for the Day” at Regents Bank Vancouver

 

Vancouver Banker for the Day, Jo’siah: Regents Treatment – Easter goodies and office with a view

Vancouver Banker for the Day, Jo’siah: Regents Treatment – Easter goodies and office with a view

Our Vancouver, Washington office works closely with their local Boys & Girls Club to serve and mentor youth in the community.  Their office recently hosted nine-year old Jo’siah and provided him the opportunity to be a “Banker for the Day.”  He observed the staff perform their duties and interact with clients, and even rolled up his own sleeves for some hands-on banking experience..

Jo’siah was given the “Regents Treatment,” which consisted of lunch with our employees and an Easter basket filled with goodies for a job well done.  Following his visit, Kaitie Swengel, the Boys & Girls Club Coordinator, sent an email thanking the staff for making Jo’siah’s day so special, stating “The kid can’t stop smiling!”

The Boys & Girls Clubs of Southwest Washington seek to provide a positive environment, quality programs and lifelong learning skills for all school age youth in Vancouver and its surrounding areas, with special concern for those coming from disadvantaged circumstances.  Instead of walking the streets or being home alone, youth come to the Club where trained professionals provide: a safe environment for kids to have fun and be themselves; constructive programs that channel youthful energy into challenging pursuits; and supportive relationships that help build young people’s self-esteem.

We enjoyed having you work with us, Jo’siah, and we think you have what it takes to be a great banker someday.

Regents Bank hosts Jo'siah blog photo1

(l to r back): Tami Nesburg, Debbie Schlinkmeier, Bob Hinojosa, Jesse Murphy-Hill and Devin Jackson (front & center): Boys & Girls Club youth, Jo’siah

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Regents Bank sponsors Renaissance Executive Forum event

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Seminar attendees gathered at The Prado in Balboa Park to hear from David Finkel. © Zhukovsky

Regents Bank proudly sponsored the Renaissance Executive Forums’↗ March event, entitled Scale! A Concrete Road Map to Work Less and Produce More. Approximately 120 attendees, primarily business owners and key executives, heard from David Finkel, an ex-Olympic level athlete turned serial entrepreneur and best-selling author. He is founder of Maui Mastermind®,screen-shot-2016-09-13-at-11-07-51-am a business coaching company that helps organizations build their companies to sell, scale or own passively.

David spoke about creating a sustainable business that reduces the reliance on the owner/entrepreneur, in turn creating greater long term value while simultaneously improving the quality of life for the owner. Done right, he says, business owners can grow their businesses while sacrificing less of their time.

At Regents Bank, helping our clients reach their goals means being active in the local business community. We are always looking for new ideas, valuable information and opportunities to present to our clients. Renaissance Executive Forums is an excellent resource for business owners, presidents and top executives to gain advice, support and insight. Our own Executive Vice President, Stephen Friedman is a member of this group, as are many of our clients. Sponsoring an event like this helps us and our clients stay connected and forward-thinking.

To that effect, we’d like to share some of the key takeaways from David’s presentation:

  • Shift reliance away from the owner and the management team by building the “Three Legged Stool” of successful management:  Team, Systems and Controls
  • Focus on “Sweet Spot” activities:  Activities that lie at the intersection of Low Hanging Fruit (easiest to implement) and Home Runs (most impactful outcome)
  • Recognize and leverage the difference between Control (centralized decision making) and Controls (pre-established parameters for decentralized decision making)
  • Free your calendar from lower value activities by utilizing “The Four Ds”:  Delete, Delegate, Defer and Design.

We will continue to identify and create ways to support our clients in their pursuit of business and professional growth and look forward to sharing this information with you. 

screen-shot-2016-09-28-at-7-28-21-pm_______________________________________________________________________________________________________________________________

screen-shot-2016-09-13-at-11-07-51-am Linking to Non-Regents Bank Websites

This icon appears next to every link that directs to a third party website not affiliated with Regents Bank. Please be advised that if you click this link you will be taken to a website hosted by another party, where you will no longer be subject to, or under the protection of, the privacy and security policies of Regents Bank. We recommend that you review and evaluate the privacy and security policies of the site that you are entering. Regents Bank assumes no liability for the content, information, security, policies or transactions provided by these other sites.

 

Regents Bank Sponsors Bisnow’s San Diego State of the Market

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Regents Bank is proud to sponsor the 2nd Annual San Diego State of the Market,screen-shot-2016-09-13-at-11-07-51-am hosted by Bisnow.  We hope you can join our president, and moderator of the San Diego State of the Market, Steve Sefton on Thursday, March 12 from 8 to 11 a.m. at the Hilton San Diego Bayfront Sapphire Ballroom.

The real estate market is top-of-mind for many of our clients, and this is a great chance to hear insider intelligence about the state and direction of the San Diego real estate market.  Real estate activity, especially construction, greatly affects the local economy across industry sectors, and intertwines with employment, spending, interest rates and more.  Attendees will surely leave with new insights and ideas, and hopefully some valuable new connections.

The San Diego State of the Market event will start with breakfast and some valuable networking time. Then, top real estate figures will discuss development, public-private partnerships, economic trends, deal flow, leasing conditions, financing, tenant demographics and other market indicators and dynamics.

Steve and fellow moderator Matthew Marino, partner at Allen Matkins, will pose evocative questions about San Diego’s real estate and local economy to the following panel of experts:

  • Dennis Cruzan – Founder, Cruzan
  • Doug Wilson – CEO, Douglas Wilson Companies
  • Mitch Siegler – Senior MD, Pathfinder Partners
  • Dan Ryan – EVP, Alexandria Real Estate Equities
  • Eric Northbrook – MD, Voit Real Estate Services
  • Jamas GwilliamVP, Kilroy Realty Corporation
  • Seth GrossmanMD, Meridian Capital Group
  • Travis KingCEO, Brixton Capital
  • Kaitlin MurphyEVP, Murphy Development

To attend, register here.screen-shot-2016-09-13-at-11-07-51-am And remember to say hello to Steve while you’re at the event. He’d love to see you.

screen-shot-2016-09-28-at-7-28-21-pm_______________________________________________________________________________________________________________________________

screen-shot-2016-09-13-at-11-07-51-am Linking to Non-Regents Bank Websites

This icon appears next to every link that directs to a third party website not affiliated with Regents Bank. Please be advised that if you click this link you will be taken to a website hosted by another party, where you will no longer be subject to, or under the protection of, the privacy and security policies of Regents Bank. We recommend that you review and evaluate the privacy and security policies of the site that you are entering. Regents Bank assumes no liability for the content, information, security, policies or transactions provided by these other sites.

A Valentine’s Message to Our Clients

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This Valentine’s Day, we’d like to take one more opportunity to let our clients and friends know how much they mean to us. We genuinely appreciate you and all of the hard work you do. Regents Bank is proud to be affiliated with so many esteemed companies and individuals. The meaningful, personal relationships we have developed drive us to consistently raise the bar on our offerings and services.

Our clients are not an account number to us. You’re a name, a reputation, a company that’s contributing to the economic engine of our community. Your success inspires us, and we’re excited to support you in your journey.

We have much to love about our clients and friends, and we look forward to a bright future with you.

Happy Valentine’s Day.

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