2026-07-14T15:30:01-05:00 2025-08-31 410746749 CLIFTONLARSONALLEN LLP 901 N GLEBE ROAD SUITE 200 ARLINGTON VA 22203 990 2024-09-01 830397856 AMERICAN BANKERS ASSOCIATION COMMUNITY ENGAGEMENT FOUNDATION AMER 2026635054 1333 NEW HAMPSHIRE AVENUE NW WASHINGTON DC 20036 KARIN PETERSEN FLYNN CFAO 2026635054 2026-07-10 1 1 CHICHI MSANGI P01972113 5712279500 2026-07-10 2024 2025-03-06 01:10:19Z ABA FOUNDATION PETER COOK 1333 NEW HAMPSHIRE AVENUE NW WASHINGTON DC 20036 2392200 0 X WWW.ABA.COM/ABOUT-US/ABA-FOUNDATION X 2004 DC HELP BANKS & BANKERS MAKE THEIR COMMUNITIES BETTER THROUGH LEADERSHIP, PARTNERSHIPS & PROGRAMS. 16 16 0 1500 0 0 815980 994971 140000 75427 666574 314042 0 0 1622554 1384440 639500 657998 0 0 478705 534905 0 0 43279 440903 477583 1559108 1670486 63446 -286046 9196670 9490646 151231 194444 9045439 9296202 X SEE SCHEDULE OTHE ABA COMMUNITY ENGAGEMENT FOUNDATION IS A 501(C)3 CORPORATION THAT HELPS BANKS AND BANKERS MAKE THEIR COMMUNITIES BETTER. THROUGH ITS LEADERSHIP, PARTNERSHIPS AND NATIONAL PROGRAMS, THE FOUNDATION SUPPORTS BANKERS AS THEY PROVIDE FINANCIAL EDUCATION TO INDIVIDUALS AT EVERY AGE, ELEVATE ISSUES AROUND AFFORDABLE HOUSING AND COMMUNITY DEVELOPMENT AND ACHIEVE CORPORATE SOCIAL RESPONSIBILITY OBJECTIVES TO IMPROVE THE WELL-BEING OF THEIR CUSTOMERS AND THEIR COMMUNITIES. 0 0 632998 632998 0 ASSOCIATION OF MILITARY BANKS OF AMERICA: ABA IS FISCAL SPONSOR FOR THE ASSOCIATION OF MILITARY BANKS OF AMERICA (AMBA) TO SUPPORT THE VETERANS BENEFITS BANKING PROGRAM (VBBP). THE PROGRAM HELPS UNBANKED VETERANS FIND ACCESS TO THE FINANCIAL PRODUCTS AND SERVICES THEY NEED. 288468 25000 54594 SAFE BANKING FOR SENIORS: SAFE BANKING FOR SENIORS (SBFS) IS A FREE NATIONAL PROGRAM, SPONSORED BY THE ABA COMMUNITY ENGAGEMENT FOUNDATION, THAT PROVIDES BANKERS WITH THE TOOLS AND RESOURCES NECESSARY TO HELP OLDER ADULTS, THEIR FAMILIES AND CAREGIVERS PREVENT ELDER FINANCIAL ABUSE AND EXPLOITATION. MORE DETAIL AT: HTTPS://WWW.ABA.COM/ADVOCACY/COMMUNITY-PROGRAMS/SAFE-BANKING-FOR- SENIORS. 216147 0 20833 TEACH CHILDREN TO SAVE: GEARED TOWARD GRADES K-8, TEACH CHILDREN TO SAVE (TCTS), IS A FREE NATIONAL PROGRAM SPONSORED BY THE ABA COMMUNITY ENGAGEMENT FOUNDATION, THAT ORGANIZES BANKER VOLUNTEERS THROUGHOUT THE YEAR TO HELP YOUNG PEOPLE DEVELOP A SAVINGS HABIT EARLY IN LIFE. MORE DETAIL AT: HTTPS://WWW.ABA.COM/ADVOCACY/COMMUNITY-PROGRAMS/TEACH-CHILDREN-SAVE. 49278 0 0 PATHWAYS TO WEALTH: PATHWAYS TO WEALTH IS A PROGRAM THAT PROMOTES LONGTERM FINANCIAL SECURITY BY EXPANDING ACCESS TO FINANCIAL EDUCATION AND ASSETBUILDING RESOURCES. THE PROGRAM SUPPORTS BANKS AND BANKERS IN DELIVERING COMMUNITYBASED FINANCIAL CAPABILITY INITIATIVES FOCUSED ON SAVING, CREDIT, AND WEALTHBUILDING, PARTICULARLY FOR UNDERSERVED AND LOW TO MODERATEINCOME INDIVIDUALS AND FAMILIES. 15108 0 0 COMMUNITY COMMITMENT AWARD: COMMUNITY COMMITMENT AWARDS RECOGNIZES AND SUPPORTS BANKS FOR DEMONSTRATED LEADERSHIP AND SUSTAINED COMMITMENT TO COMMUNITY ENGAGEMENT. THE PROGRAM HIGHLIGHTS EXEMPLARY BANK INITIATIVES THAT ADVANCE FINANCIAL EDUCATION, COMMUNITY DEVELOPMENT, AND ECONOMIC OPPORTUNITY, ENCOURAGING BEST PRACTICES AND INCREASED INDUSTRY PARTICIPATION IN COMMUNITY-FOCUSED EFFORTS. 16580 0 0 AFFORDABLE HOUSING: AFFORDABLE HOUSING IS A PROGRAM THAT SUPPORTS BANKS' EFFORTS TO ADVANCE ACCESS TO SAFE AND AFFORDABLE HOUSING. THE PROGRAM PROMOTES COMMUNITY DEVELOPMENT INITIATIVES THAT ADDRESS HOUSING STABILITY AND ECONOMIC OPPORTUNITY, PARTICULARLY FOR LOW TO MODERATEINCOME INDIVIDUALS AND FAMILIES. 51193 0 0 ALL OTHER PROGRAMS 132159 0 0 1269772 1 1 0 0 0 0 0 0 0 1 0 1 0 0 1 1 0 1 0 0 0 0 0 0 0 0 0 1 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 1 0 1 0 1 9 0 0 0 0 0 0 0 0 0 0 0 0 0 0 X 16 16 0 0 0 0 1 1 1 1 0 0 0 0 1 1 1 1 1 1 1 0 AK AL AR CA CO CT DC FL GA HI IL KS KY MA MD ME MI MN MO MS NC ND NH NJ NM NV NY OH OK OR PA RI SC TN VA WA WI WV X LIA FORDJOUR 2026635150 1333 NEW HAMPSHIRE AVENUE NW WASHINGTON DC 20036 JANET GARUFIS CHAIR UNTIL OCTOBER 2024 1.00 0.00 X X 0 0 0 MICHELLE THORNHILL CHAIR FROM OCTOBER 2024 1.00 0.00 X X 0 0 0 DAVE HANRAHAN VICE CHAIR 1.00 0.00 X X 0 0 0 ANGIE GARCIA-LATHROP BOARD MEMBER UNTIL OCTOBER 2024 1.00 0.00 X 0 0 0 BONNIE WALLACE BOARD MEMBER 1.00 0.00 X 0 0 0 CANDICE CAMBRIDGE BOARD MEMBER 1.00 0.00 X 0 0 0 CARISSA RODEHEAVER BOARD MEMBER 1.00 0.00 X 0 0 0 COURTNEY HODAPP BOARD MEMBER 1.00 0.00 X 0 0 0 DARLENE GOINS BOARD MEMBER 1.00 0.00 X 0 0 0 DIEDRA PORCHE BOARD MEMBER 1.00 0.00 X 0 0 0 JACQUELINE J HOWARD BOARD MEMBER 1.00 0.00 X 0 0 0 KARINA SALTMAN BOARD MEMBER 1.00 0.00 X 0 0 0 KATHRYN LURIA BOARD MEMBER UNTIL OCTOBER 2024 1.00 0.00 X 0 0 0 MANDY KELSO BOARD MEMBER 1.00 0.00 X 0 0 0 MICHAEL E GROVE BOARD MEMBER 1.00 0.00 X 0 0 0 PETER GWALTNEY BOARD MEMBER 1.00 0.00 X 0 0 0 ROBERT J FOUBERG BOARD MEMBER 1.00 0.00 X 0 0 0 STEPHANIE LOMIBAO BOARD MEMBER 1.00 0.00 X 0 0 0 WAYNE WICKER BOARD MEMBER 1.00 0.00 X 0 0 0 PETER COOK CHIEF COMMUNICATIONS OFFICER 1.00 36.50 X 0 671514 83860 KARIN PETERSEN FLYNN CFAO 1.00 36.50 X 0 656638 124160 JIM MOYE SVP & SENIOR COUNSEL, CONTRACTS 1.00 36.50 X 0 330998 54192 LIA FORDJOUR SVP, PLANNING & REPORTING, TREASURER 1.00 36.50 X 0 277301 79276 LINDSAY TORRICO SVP, EXECUTIVE DIRECTOR 33.75 3.75 X 0 266225 34682 MELISSA MURRAY SR. DIRECTOR, COMMUNITY & ECONOMIC DEVELOPMENT 18.75 18.75 X 0 126457 30902 SAMUEL KUNJUKUNJU VP, CONSUMER EDUCATION 37.50 0.00 X 0 172782 21588 0 2501915 428660 0 0 1 0 0 1973 992998 994971 SAFE BANKING FOR SENIORS 611710 54594 54594 TEACH CHILDREN TO SAVE 611710 20833 20833 75427 218248 218248 1103554 1007760 95794 95794 95794 1384440 75427 0 314042 657998 657998 33597 33597 382397 241554 100752 40091 43235 28547 14688 42051 29571 12480 33625 19847 10590 3188 5077 5077 32496 32496 5082 5082 117521 117521 12399 12399 3516 3054 462 39823 39823 52741 36513 16228 38507 23484 15023 30385 21161 9224 OVERHEAD 104375 104375 MEMBERSHIP DUES 16500 16500 GIFTS 10361 10361 LICENSE FEES 4281 4281 4519 2081 2438 1670486 1269772 357435 43279 29012 202305 101247 841 8835 10686 8517335 8560251 525852 716563 14389 0 9196670 9490646 24801 54939 42167 84263 139505 151231 194444 X 9045439 9296202 9045439 9296202 9196670 9490646 -286046 536809 0 X 0 1 X 1 0 X X X 1 AMERICAN BANKERS ASSOCIATION 521001304 10 1 0 0 1 0 0 1 0 1 1 1 0 0 1 0 0 0 0 0 0 0 0 0 1 0 PART IV, SECTION A, LINE 3B THE SUPPORTED ORGANIZATION, THE AMERICAN BANKERS ASSOCIATION QUALIFIES UNDER SECTION 501(C)(6) AND HAS RECEIVED AN IRS DETERMINATION LETTER DATED AUGUST 24, 1977. THE AMERICAN BANKERS ASSOCIATION COMPLETES ANNUALLY A PROFORMA SCHEDULE A. PART IV, SECTION A, LINE 3C SUPPORT GIVEN TO A SUPPORTED SECTION 501(C)(6) ORGANIZATION IS USED SOLELY FOR CHARITABLE PURPOSES. THERE WAS NO SUPPORT GIVEN TO THE AMERICAN BANKERS ASSOCIATION FOR THE TAX YEAR. PART IV, SECTION A, LINE 6 ASSOCIATION OF MILITARY BANKS OF AMERICA: ABACEF IS FISCAL SPONSOR FOR THE ASSOCIATION OF MILITARY BANKS OF AMERICA (AMBA) TO SUPPORT THE VETERANS BENEFITS BANKING PROGRAM (VBBP). THE PROGRAM HELPS UNBANKED VETERANS FIND ACCESS TO THE FINANCIAL PRODUCTS AND SERVICES THEY NEED. RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED 8066419 211773 8278192 7068627 997792 8066419 7082303 -13676 7068627 9090104 -2007801 7082303 7833239 1256865 9090104 1.00000 0.00000 0.00000 0 1 1 0 OTHER INVESTMENTS 716563 F 716563 DUE TO AFFILIATES 139505 139505 X PART V, LINE 4: AN ANNUALLY DETERMINED AMOUNT OF INCOME FROM THE ENDOWMENT FUNDS IS USED FOR THE GENERAL EXEMPT PURPOSES OF THE ORGANIZATION. PART X, LINE 2: MANAGEMENT EVALUATED THE ASSOCIATION'S TAX POSITIONS AND CONCLUDED THAT THE ASSOCIATION HAS TAKEN NO UNCERTAIN TAX POSITIONS THAT REQUIRE ADJUSTMENT TO THE CONSOLIDATED FINANCIAL STATEMENTS TO COMPLY WITH THE PROVISIONS OF THE GUIDANCE. GENERALLY, THE ASSOCIATION IS NO LONGER SUBJECT TO INCOME TAX EXAMINATIONS BY THE U.S. FEDERAL, STATE, OR LOCAL TAX AUTHORITIES FOR YEARS BEFORE 2022. 1 ASSOCIATION OF MILITARY BANKS OF AMERICA INC 2300 WILSON BLVD STE 700 1042 ARLINGTON VA 22201 470583461 501(C)(6) 632998 0 N/A N/A TO HELP VETERANS ACCESS AND MANAGE THEIR FINANCIAL BENEFITS THROUGH RELIABLE BANKING INSTITUTIONS STOP SCAMS ALLIANCE INC 1457 BEULAH ROAD VIENNA VA 22182 933456513 501(C)(3) 25000 0 N/A N/A TO SUPPORT BANKINGS FOR SENIORS 1 1 PART I, LINE 2: TOTAL DONATIONS RECEIVED FROM THE FISCAL SPONSOR: $675,000 ITEMIZED SPENDING OF ANY FISCAL SPONSOR-DONATED FUNDS: $642,998 FISCAL SPONSOR-DONATED CASH ON HAND AT THE END OF THE REPORTING PERIOD (FY 2025): $26,613 THERE IS NO KNOWN FINANCIAL INFORMATION THAT WILL IMPACT, OR COULD HAVE AN EXPECTED IMPACT, ON THE FISCAL SPONSOR'S STATUS RELATED TO THE PROJECT. NUMBER OF NEW BANKS ENROLLED IN THE PROJECT: 14 0 1 0 0 0 0 0 0 0 KARIN PETERSEN FLYNN CFAO 0 529085 0 108035 0 19518 0 78217 0 45943 0 780798 0 0 PETER COOK CHIEF COMMUNICATIONS OFFICER 0 518633 0 105000 0 47881 0 41400 0 42460 0 755374 0 0 JIM MOYE SVP & SENIOR COUNSEL, CONTRACTS 0 292563 0 35341 0 3094 0 39643 0 14549 0 385190 0 0 LIA FORDJOUR SVP, PLANNING & REPORTING, TREASURER 0 234924 0 38296 0 4081 0 34430 0 44846 0 356577 0 0 LINDSAY TORRICO SVP, EXECUTIVE DIRECTOR 0 230614 0 33539 0 2072 0 32000 0 2682 0 300907 0 0 SAMUEL KUNJUKUNJU VP, CONSUMER EDUCATION 0 159361 0 11925 0 1496 0 20555 0 1033 0 194370 0 0 MELISSA MURRAY SR. DIRECTOR, COMMUNITY & ECONOMIC D 0 114025 0 10392 0 2040 0 15613 0 15289 0 157359 0 0 PART I, LINE 4B THE AMERICAN BANKERS ASSOCIATION, A RELATED ORGANIZATION, PROVIDES NON-QUALIFIED RETIREMENT BENEFITS TO THE EXECUTIVE LEADERSHIP DESIGNED AS BENEFIT RESTORATION. KARIN PETERSEN FLYNN PARTICIPATED IN SUPPLEMENTAL NON-QUALIFIED RETIREMENT PLAN WITH ACCRUED PRESENT VALUE ESTIMATED BENEFITS FOR THE YEAR: $36,817. FORM 990, PART VI, SECTION A, LINE 6 THE SOLE MEMBER OF THE AMERICAN BANKERS ASSOCIATION COMMUNITY ENGAGEMENT FOUNDATION IS THE AMERICAN BANKERS ASSOCIATION. FORM 990, PART VI, SECTION A, LINE 7A THE BOARD OF DIRECTORS AND OFFICERS OF THE ABA COMMUNITY ENGAGEMENT FOUNDATION ARE APPOINTED AND ELECTED ANNUALLY BY THE AMERICAN BANKERS ASSOCIATION. FORM 990, PART VI, SECTION A, LINE 7B THE SUPREME AUTHORITY OF THE FOUNDATION IS VESTED AT THE ANNUAL MEETING. THE CHAIR OF THE AMERICAN BANKERS ASSOCIATION APPOINTS THE FOUNDATION'S BOARD OF DIRECTORS AT THE ANNUAL MEETING. THE BOARD OF DIRECTORS ADMINISTERS THE AFFAIRS OF THE FOUNDATION AND HAS FULL AUTHORITY TO ACT BETWEEN ANNUAL MEETINGS. FORM 990, PART VI, SECTION A, LINE 8B THERE ARE NO COMMITTEES WITH AUTHORITY TO ACT ON BEHALF OF THE GOVERNING BODY. FORM 990, PART VI, SECTION B, LINE 11B THE CFO OF AMERICAN BANKERS ASSOCIATION SERVES AS AN APPOINTED CFO OF THE ORGANIZATION. ABA'S MANAGEMENT WHICH INCLUDES CERTIFIED PUBLIC ACCOUNTANTS CONDUCTED SEVERAL INTERNAL REVIEWS OF THE COMPLETED FORM 990S PREPARED BY AN EXTERNAL ACCOUNTING FIRM. FORM 990, PART VI, SECTION B, LINE 12C THE FOUNDATION MONITORS AND ENFORCES ITS CONFLICTS OF INTEREST POLICY BY AT LEAST ANNUALLY, HAVING EACH OFFICER, MEMBER OF THE BOARD OF DIRECTORS, AND KEY EMPLOYEES ATTEST BY SIGNATURE THAT THEY HAVE READ, UNDERSTAND, AND ARE IN COMPLIANCE WITH THE POLICY. ON AN ANNUAL BASIS, THE BOARD IS PROVIDED A COPY OF THE POLICY, OFFERED AN OPPORTUNITY TO DISCUSS ITS REQUIREMENTS, AND HAVE ANY QUESTIONS ANSWERED. STAFF ATTENDS THE MEETINGS OF THE BOARD IN ORDER TO MONITOR COMPLIANCE WITH THE REQUIREMENTS AND THAT THE MINUTES OF THE MEETINGS FAIRLY REPRESENT THE DISCUSSIONS OF THE BOARD. FORM 990, PART VI, SECTION B, LINE 15 ABACEF HAS NO EMPLOYEES. THE OFFICERS AND EMPLOYEES SHOWN ON PART VII, SECTION A, ARE EMPLOYEES OF THE RELATED ORGANIZATION, AMERICAN BANKERS ASSOCIATION (ABA). ABA'S COMPENSATION COMMITTEE, COMPRISED OF BOARD OF DIRECTOR MEMBERS, IS RESPONSIBLE FOR REVIEWING THE COMPENSATION OF THE OFFICERS AND EMPLOYEES AND MAKES THE FINAL COMPENSATION RECOMMENDATION TO THE BOARD OF DIRECTORS, WHICH HAS FINAL APPROVAL. THE PROCESS USED BY THE COMPENSATION COMMITTEE IS MADE IN CONJUNCTION WITH AN OUTSIDE INDEPENDENT CONSULTING FIRM THAT CONDUCTED A COMPREHENSIVE COMPENSATION STUDY FOR THE ASSOCIATION. THE METHODOLOGY USED TO DETERMINE COMPENSATION INCLUDED THE FOLLOWING: - UTILIZING SALARY SURVEYS, INCLUDING THOSE FROM MERCER, WATSON WYATT, PRM CONSULTING, QUATT ASSOCIATES AND ASAE, JOBS WERE BENCHMARKED TO COMPARABLE POSITIONS. - THE OUTSIDE COMPENSATION CONSULTING FIRM REVIEWED APPLICABLE MARKET DATA AND THE BENCHMARKED POSITION INFORMATION AND DEVELOPED A MARKET-BASED PAY STRUCTURE. - ADDITIONAL FACTORS CONSIDERED WERE POSITION REQUIREMENTS, ORGANIZATIONAL IMPACT, AND JOB COMPLEXITY. THE PROCESS DESCRIBED HERE WAS LAST COMPLETED IN 2024. FORM 990, PART VI, SECTION C, LINE 19 ABACEF DOES NOT MAKE ITS GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, OR ITS FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC. THE ORGANIZATION'S FORM 990 IS AVAILABLE FOR PUBLIC INSPECTION UPON REQUEST. AMERICAN BANKERS ASSOCIATION 1333 NEW HAMPSHIRE AVE NW WASHINGTON DC 20036 521001304 BANKING MEMBERSHIP DC 501(C)(6) N/A 0 ABA SECURITIES ASSOCIATION 1333 NEW HAMPSHIRE AVE NW WASHINGTON DC 20036 521935145 ADVOCACY DE 501(C)(6) AMERICAN BANKERS ASSOCIATION 0 BAFT INC 1333 NEW HAMPSHIRE AVE NW WASHINGTON DC 20036 113642835 EDUCATION, ADVOCACY DE 501(C)(6) AMERICAN BANKERS ASSOCIATION 0 INTERNATIONAL MONETARY CONFERENCE 1333 NEW HAMPSHIRE AVE NW WASHINGTON DC 20036 237244320 INTERNATIONAL BANKING MEMBERSHIP ORGANIZATION DC 501(C)(6) AMERICAN BANKERS ASSOCIATION 0 ABA STONIER SCHOLARSHIP INC 1333 NEW HAMPSHIRE AVE NW WASHINGTON DC 20036 823857091 EDUCATIONAL ACTIVITIES DC 501(C)(3) LINE 12A, I AMERICAN BANKERS ASSOCIATION 0 ABA CARD SOLUTIONS INC 1333 NEW HAMPSHIRE AVE NW WASHINGTON DC 20036 363515025 BUSINESS SERVICES DE C 0 0 0 1 0 0 0 0 0 0 0 0 0 0 1 1 1 0 0 0 AMERICAN BANKERS ASSOCIATION N 52742 ALLOCATION AMERICAN BANKERS ASSOCIATION O 534906 ALLOCATION AMERICAN BANKERS ASSOCIATION P 1660887 ACTUAL/CASH