The Liberty Bell: 36 Hours

Olivia Kirn, Treasury Management Officer in Bowling Green

Spring 2025 Edition 

With 12 years in banking, eight years in accounting and HR and over five years as a small business owner, steeping into a treasury management role felt like the perfect fit.

I know firsthand the challenges business owners face – waiting for invoices to be paid, managing cash flow and ensuring employees are taken care of. That experience allows me to truly empathize with our clients and help them navigate their financial needs with confidence.

Thursday, 5:15 A.M.

My day starts early with a walk, Pilates, or yoga to set a positive tone. By 6:45, I’m back home getting myself and our two daughters, Piper (11) and Meadow (9), ready for school. Mornings with two girls are always interesting, but my husband, Kevin, is an amazing partner in keeping things running smoothly. As I head to the bank, he takes care of school drop off.

8:00 A.M. 

Once I arrive at the office, I start by checking emails and addressing urgent client needs. Treasury is always busy in the morning with high-dollar returns, ACH payroll corrections and troubleshooting remote deposit issues. Today, my teammate and I also have two new client installations scheduled that we need to get started on.

9:30 A.M.

The strong teamwork with my teammate makes all the difference in delivering the best service possible. We collaborate to ensure we’re reaching clients efficiently and brainstorming solutions tailored to their needs. Then, it’s back to emails and client follow-ups.

11:30 A.M. 

I typically take an earlier lunch so I can stay in the office during lunch since this is a peak time for client calls. I rely heavily on my planner and handwritten to-do lists to keep track of priorities. After a quick bite and supporting the rush, I head out for the second installation of the day. Today, I also have a board meeting for a local nonprofit I’m passionate about. It’s inspiring to be part of an organization that does so much for our community.

3:00 P.M.

Back at the location, I check in with my teammate, follow up with clients, and process a periodic review that’s due today. Just before closing, a client calls, panicked about a past-due loan payment. I quickly email Treasury Support, hop in my car and call them on the way to ensure everything gets processed.

4:45 P.M.

As I head home, I touch base with Treasury Support, who (as always) works their magic to resolve the issue. I call the client with good news, knowing she can rest easy tonight.

5:30 P.M.

The evening rush begins as I get the girls to swim practice—our routine four nights a week. While they’re in the pool, I take a walk around the track. By 7:30 p.m., we’re back home, and the girls get ready for bed while I prep a quick dinner. Despite our busy schedules, we make family dinner a priority. We always end the night on a positive note, sharing something good about our day before lights out. After some quiet time catching up with my husband, I’m in bed by 10:00, ready to do it all again.

Friday, 8:00 A.M.

After my usual active morning and getting the girls to school and getting myself to work, I get moving. Fridays are packed with payroll processing, remote deposits and ACH limits. One of my favorite parts of Treasury is that no two days are the same—each client has unique needs, and we treat every situation with a personalized approach!

10:00 A.M.

Today, my teammate and I visit clients for a customer appreciation event and stop by a prospect’s office. The CFO is appreciative of our time, and we schedule a follow-up in three weeks. My day is packed trying to do what I can to serve others, because I know how much every step matters to my clients as I was in their shoes just a few years ago as a small business owner myself.

A day in my life in 2025 is full of serving small business owners through bank products and personal experience, always offering a value of superior service. Eleven years ago, my 36 hours looked much different.

Eleven Years Ago, 2014

My days would start with serving my family, especially our baby Piper. My husband would work until the early hours of the morning to fulfill orders, which we would use for payroll. After long nights of screen printing and caring for the family, we both stayed tired, but we needed to keep going to build our dream.

Days would include working through emails, taking phone calls, reconciling accounts, handling pickups, printing checks, managing payroll, troubleshooting difficult technology, strategizing the future, all while improving our store to be the best it can be for our customers.

Running a business requires an immense amount of organization, and I know having the right team on your side can make a huge difference.

I still remember the day two Independence Bank employees visited our business, offering solutions that made a real difference. Their support and personalized service convinced us to move all of our business and personal accounts to Independence Bank, and we’ve never looked back. The tellers knew our names, our families and treated us like valued clients – regardless of the balance in our accounts. Now that I have joined the Independence Bank team, I see how we still strive to provide this level of service every day, and I’m proud to be a part of a team that goes above and beyond for our clients.