The world of financial services is constantly evolving. The intersection of technology and finance has resulted in phenomenal advances in how financial services are delivered to consumers.For average consumers of financial services, these advances have improved the convenience and speed of doing business with banks, credit unions, insurance companies, and investment firms, for example.Even with all the advancements that have taken place, consumers still need to know that the people working in financial institutions are making ethical decisions, that they are knowledgeable, and that they are not making decisions that put people’s savings and investments at risk.In the United States, observers are keenly following the rising number of bank failures. The collapse of Silicon Valley Bank in March reportedly panicked financial markets. It was the first major bank failure in the US since the global financial crisis of 2007.Soon after Silicon Valley Bank’s demise, Signature Bank, an Americ