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A Culture of Continuous Improvement at Every Level

David Holmes provides a firsthand look into State National’s long-term growth and development culture.

My firsthand experience helping develop State National's learning culture.

Every learning professional hopes to be part of that rare organization that recognizes and lives a learning culture. When I walked into State National over a decade ago, I was at a point in my career where I eagerly wanted to be part of that elusive culture of improvement.

I had been in positions of learning leadership but felt that upper management had those positions because a company is supposed to have them. This was different, it felt different, and I could tell from every individual I engaged with that State National was committed to a culture of learning.

While interviewing, I met not only the HR team but also several executive leadership and sales leaders. After my final training presentation for the interview team, the CEO came in and kicked everyone out of the room. Lonnie Ledbetter and I talked for about 30 minutes. His strong belief in a learning culture was evident, and so was his desire for individuals to carry that vision forward within State National.

Lonnie and I had many conversations over the years but I will never forget that first one. His message to me was one of growth and constant learning by all employees. Lonnie emphasized the importance of this position as one that moves the entire company forward through instilling a culture of growth and knowledge.

Having trained virtually everyone in the organization at one time or another, I always assured team members that learning is not only expected at State National but is also highly rewarded. New associates enter the organization with a clear message that everyone helps each other and that the client is first and foremost in every action we take.

Accuracy is critical in providing a quality solution to our clients, but making a mistake is a learning moment as well. The culture of continuous improvement — both in our business and in ourselves as associates — is one aspect that sets the State National team apart from the competition.

David Holmes
David Holmes
As Director of Learning and Development as well as Director of Sales & Service Support, David Holmes spent more than a decade building a learning culture and expanding the sense of “customer first” throughout the company, including a specialized focus on development of State National’s sales team and unique dedicated service team.

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Strengthening Your Defenses: Why Secure Partners Are Critical With third-party risk on the rise, here's how to ensure your vendors are allies, not liabilities Cybersecurity Awareness Month each October is a critical reminder for organizations to evaluate their security posture. For financial institutions, including credit unions, banks, and finance companies, this evaluation must extend beyond your own walls and into the practices of every vendor you work with. In today’s interconnected environment, the security of your business partners is an extension of your own. Choosing a partner with a robust, proactive security posture isn't just a matter of compliance; it's a fundamental part of protecting your institution and those you serve. The Stakes Have Never Been Higher The threat landscape continues to evolve, and recent data shows that third-party risk is a primary driver of costly breaches — and the financial industry remains a prime target. Consider these findings: Third-party risk is a direct cause of breaches. A 2024 report found that at least 35.5% of all data breaches originated from compromises at a third-party vendor. (SecurityScorecard) Costs for financial institutions remain high. The average cost of a data breach for the financial industry is $6.08 million per incident, significantly higher than the global average. (IBM) The human element is a key factor. The "human element," which includes errors, phishing, and social engineering, plays a role in 60% of all breaches. (Verizon) Stolen credentials are a primary entry point. The use of stolen or compromised credentials was a factor in nearly one-third of all breaches, underscoring the need for strong authentication. (Verizon via Abnormal) What to Look for in a Secure Partner A partner’s commitment to security should be proactive, not reactive. Lenders must look for organizations that employ impeccable controls and can demonstrate their strength in this area. Proactive Due Diligence: Does a potential partner voluntarily offer a due diligence packet because they are confident in their security? Or do you have to ask multiple times? A proactive partner is a secure partner. Advanced, Demonstrable Safeguards: Look for partners who can show you their security in action. A key feature to look for is multifactor authentication (MFA), especially on platforms where your members or customers interact. MFA provides an essential extra layer of defense beyond a simple password, ensuring that sensitive data remains protected. “Security threats don’t stop when the whistle blows at 5 p.m. and hackers don’t take vacations,” says Michael Weiskircher, State National’s CIO, “so protecting against attacks has to be an ongoing, real-time process of fixing vulnerabilities immediately.” Security in Action at State National At State National, we believe that protecting our clients' data is a foundational part of the service we provide. We are on a mission to not only meet but exceed all security standards. MFA on Borrower Platforms: We practice what we preach. Our MyLoanInsurance.com borrower portal is protected with two-factor multifactor authentication (MFA). This safeguard helps ensure that borrower data is protected from unauthorized access. Constant Vigilance: We know that security is a 24/7/365 commitment. As Michael Weiskircher, State National’s CIO, says, “Security threats don’t stop when the whistle blows at 5 p.m. and hackers don’t take vacations, so protecting against attacks has to be an ongoing, real-time process of fixing vulnerabilities immediately.” A Dedicated Compliance Department: A partner with a proactive, in-house compliance team demonstrates a deeper commitment to security. This team ensures the company rigorously adheres to all state and federal data protection laws, providing a critical layer of assurance that security policies are consistently followed and enforced. The Markel Advantage: As part of the Markel family of companies, State National has access to the security tools, resources, and expertise of a multi-billion dollar, multinational insurance holding company. This adds yet another layer of enterprise-level protection. Choosing an Ally, Not a Risk Vetting a business partner's security is a critical fiduciary responsibility, and choosing the right one allows you to focus on serving your members. You can rest easy knowing that when it comes to your portfolio protection program, State National has you covered. Do Your Part. #BeCyberSmart

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