Program | Risk and Compliance Conference

7:00 AM – 5:30 PM

Registration Open

7:00 AM – 9:00 AM

Welcome Continental Breakfast
– in the Foyer

9:00 AM – 10:00 AM

GENERAL SESSION

Industry Update for Risk and Compliance

There is a lot going on for risk and compliance officers and we are pleased to open our conference with ABA’s President and CEO, Rob Nichols who will provide a critical industry update. He will then invite two of ABA’s leaders in risk and compliance to dig deeper into the risk and compliance issues you care about. You will walk away with a deeper understanding of the regulatory and supervisory landscape and the critical issues you need to monitor going forward.

Speakers:

• Rob Nichols, President and CEO, American Bankers Association
• Hugh Carney, Executive Vice President, Financial Institution Policy and Regulatory Affairs, Prudential Regulation and Asset Management, American Bankers Association
• Ginny O’Neill, Executive Vice President, Regulatory Compliance and Policy, American Bankers Association

10:00 AM – 10:15 AM

Break

10:15 AM – 11:00 AM

CONCURRENT SERIES 1

1A: Optimizing Testing: Addressing Resources, Trends and Efficiency Strategies
Repeated in 2A

Optimize your bank's defense testing with dynamic calendars adapting to hot topics, regulatory changes, and business issues. Learn to reduce test duplication through standardized reliance and leverage automation for streamlined processes and real-time insights. Join our session to enhance testing efficiency in risk management. For advanced insights, attend our 90-minute Learning Lab.

Moderator:

• Cara Williams, CERP, CRCM, CCEP-I, Independent Consultant

Speakers:

• Megan Hammersmith, Compliance Director, Risk Evaluation & Assurance, KeyBank
• Katherine Robinson, CFE, CAMS, GRCP, Enterprise Risk Manager, Sterling Bank & Trust, FSB

1B: CRA: An Executive Overview
Repeated in 2B

This session is a high-level overview of the new rule for both risk and compliance professionals who do not have direct responsibility for CRA, but who will be engaged in discussions about bank risk and strategy surrounding CRA implementation.

Moderator:

• Thomas Williams, CRCM, CCBIA, ACT Specialist, Executive Vice President, Compliance Director, United Bank

Speakers:

• Sarah Brons, Senior Vice President, CRA Products and Services, Asurity
• Elizabeth (Beth) A. Reister, Chief Compliance Officer, Fulton Financial Corporation

1C: The 3 C’s to Improve the Efficiency and Effectiveness of Your Governance Practices
Repeated in 2C

Just when you think your governance structure is functioning well, new pressures and tensions come into play causing you to readjust your overall governance practices. Join us as we provide a new way of reviewing your governance practices through the 3-C’s: Communication, Collaboration and Compromise! You’ll leave with new ideas to refocus your governance practices, especially in terms of your lines of defense.

Speakers:

• Charles Corbezzolo  CRCM, CERP | AMCB 1B – Governance and Application Controls, TD Bank
• Marilu Jimenez, (Maria de Lourdes), Esq., CAMS, Chief Compliance Officer, Nave Bank
• Robert Marx, Vice President, Compliance, WebBank

1D: Check Up on Your Data Governance to Avoid New Risks
Repeated in 2D

Is your data governance program keeping up with the latest risks?  Are you considering the impact of these risks in all of your data intersections, from lending decisions to customer interactions to fraud detection/prevention?  This session will review the latest trends in understanding and inventorying your data, where and how it is used, with whom it is shared, and when it can be destroyed. More importantly, we discuss how new technology (like generative AI) and new regulations (such as the forthcoming Section 1033/personal financial data rights rule) will impact your data governance program.

Moderator/Speaker:

• Ryan Miller, Vice President and Senior Counsel, Innovation Policy, American Bankers Association

Speakers:

• Ananeya Abebe, Senior Vice President, Director, Data Risk Governance, KeyBank
• Mike Calvi, Chief Information Security Officer, Arvest Bank

1E: Creative Methods to Obtain Deposits: What Risks are We Taking On 
Repeated in 2E

As banks continue to evolve their customer outreach to attract deposits, are they considering the full range of risk beyond compliance? Join us as we discuss a few new customer relationships banks are pursuing and the associated risks. You will walk away with ideas on how to analyze new customer risks of a variety of customer and deposit classes such as gaming, cannabis and brokered deposits.

Moderator/Speaker:

• Thomas Healy, CRCM, Senior Vice President, Chief Compliance Officer, Discover

Speaker:

• Patti Joyner, CRCM, President & Founder, Financial Solutions

1F: Fees – Where Are We Now? From Overdraft to NSF to Credit Cards
Repeated in 2F

This session will provide current information on recent fee-related regulations and actions taken by regulatory agencies in the effort to avoid the pitfalls that can introduce risk and lead to possible enforcement.

Moderator/Speaker:

• Scott H Pope, CRCM, Senior Vice President, Payments CRO Risk and Compliance Senior Manager - Consumer and Small Business Payments, U.S. Bank

Speakers:

• Randall Patton, Senior Vice President, Executive Director, Mortgage Compliance, Arvest Bank
• Jonathan Thessin, Vice President and Senior Counsel, Regulatory Compliance and Policy, American Bankers Association

1G: Marketing Compliance: New Era = New Risks
Repeated in 2G

From algorithms to AI to distribution channels – the current era of digital marketing carries a lot of risks along with the rewards. We’ll provide specific hazards and help you understand how your ads are being distributed and ways to ensure that unintended consequences do not arise.

Moderator/Speaker:

• Heather Schaefer, Vice President, Chief Compliance Officer, First Financial Bank, NA

Speakers:

• Holly Higginbotham, Principal Compliance Specialist, Discover Financial Services
• Kelly Schlitz, Chief Compliance Officer, Banner Bank

1H: Leading Practices in Managing Appraisal Bias
Repeated in 2H

Regulators are increasingly focused on discrimination issues in the real estate appraisal arena, from ROVs to AVMs and everything in between. As we wait for the final guidance on several key issues, tune into this panel discussion to find out what industry leaders are doing right now in successfully managing appraisal compliance and potential bias.

Moderator/Speaker:

• Maureen Carollo CRCM, CAMS, Consultant, Old Glory Bank

Speakers:

• Salvatore Maiorana, Chief Compliance Officer, KeyBank
• Sharon L Whitaker, Vice President, CRE & Mortgage Finance, American Bankers Association

1I: Navigating Through the Sea of Hot Topics in Mortgage Servicing
Repeated in 2I

From auto loan and consumer loan to mortgage servicing, the regulators are focused on ensuring borrowers are not harmed during the entire life of these products. Hear from seasoned industry experts on the compliance and risk challenges they are facing today and what they predict they will be facing in the future and what you can do to prepare for these rough waters. 

Moderator:

• Lynn Tarantino, CRCM, CAMS, Senior Vice President, Chief Control and Quality Officer, Cenlar

Speakers:

• Reggie Branch, Senior Director, Indirect Lending, Arvest Bank
• Anoush Garakani, Partner, Alston and Bird
• Ingrid Jaschok, Senior Vice President, Default Operations, Cenlar

11:00 AM – 11:15 AM

Break

11:15 AM – 12:00 PM

CONCURRENT SERIES 2

2A: Optimizing Testing: Addressing Resources, Trends and Efficiency Strategies
Repeated from 1A

Optimize your bank's defense testing with dynamic calendars adapting to hot topics, regulatory changes, and business issues. Learn to reduce test duplication through standardized reliance and leverage automation for streamlined processes and real-time insights. Join our session to enhance testing efficiency in risk management. For advanced insights, attend our 90-minute Learning Lab.

Moderator:

• Cara Williams, CERP, CRCM, CCEP-I, Independent Consultant

Speakers:

• Megan Hammersmith, Compliance Director, Risk Evaluation & Assurance, KeyBank
• Katherine Robinson, CFE, CAMS, GRCP, Enterprise Risk Manager, Sterling Bank & Trust, FSB 

2B: CRA: An Executive Overview
Repeated from 1B

This session is a high-level overview of the new rule for both risk and compliance professionals who do not have direct responsibility for CRA, but who will be engaged in discussions about bank risk and strategy surrounding CRA implementation.

Moderator:

• Thomas Williams, CRCM, CCBIA, ACT Specialist, Executive Vice President, Compliance Director, United Bank

Speakers:

• Sarah Brons, Senior Vice President, CRA Products and Services, Asurity
• Elizabeth (Beth) A. Reister, Chief Compliance Officer, Fulton Financial Corporation

2C: The 3 C’s to Improve the Efficiency and Effectiveness of Your Governance Practices
Repeated from 1C

Just when you think your governance structure is functioning well, new pressures and tensions come into play causing you to readjust your overall governance practices. Join us as we provide a new way of reviewing your governance practices through the 3-C’s: Communication, Collaboration and Compromise! You’ll leave with new ideas to refocus your governance practices, especially in terms of your lines of defense.

Speakers:

• Charles Corbezzolo, CRCM, CERP | AMCB 1B – Governance and Application Controls, TD Bank
• Marilu Jimenez, (Maria de Lourdes), Esq., CAMS, Chief Compliance Officer, Nave Bank
• Robert Marx, Vice President, Compliance, WebBank

2D: Check Up on Your Data Governance to Avoid New Risks
Repeated from 1D

Is your data governance program keeping up with the latest risks?  Are you considering the impact of these risks in all of your data intersections, from lending decisions to customer interactions to fraud detection/prevention?  This session will review the latest trends in understanding and inventorying your data, where and how it is used, with whom it is shared, and when it can be destroyed. More importantly, we discuss how new technology (like generative AI) and new regulations (such as the forthcoming Section 1033/personal financial data rights rule) will impact your data governance program.

Moderator/Speaker:

• Ryan Miller, Vice President and Senior Counsel, Innovation Policy, American Bankers Association

Speakers:

• Ananeya Abebe, Senior Vice President, Director, Data Risk Governance, KeyBank
• Mike Calvi, Chief Information Security Officer, Arvest Bank

2E: Creative Methods to Obtain Deposits: What Risks are We Taking On?
Repeated from 1E

As banks continue to evolve their customer outreach to attract deposits, are they considering the full range of risk beyond compliance? Join us as we discuss a few new customer relationships banks are pursuing and the associated risks. You will walk away with ideas on how to analyze new customer risks of a variety of customer and deposit classes such as gaming, cannabis and brokered deposits.

Moderator/Speaker:

• Thomas Healy, CRCM, Senior Vice President, Chief Compliance Officer, Discover

Speaker:

• Patti Joyner, CRCM, President & Founder, Financial Solutions

2F: Where Are We Now? From Overdraft to NSF to Credit Cards
Repeated from 1F

This session will provide current information on recent fee related regulations and actions taken by regulatory agencies in the effort to avoid the pitfalls that can introduce risk and lead to possible enforcement.

Moderator/Speaker:

• Scott H Pope, CRCM, Senior Vice President, Payments CRO Risk and Compliance Senior Manager - Consumer and Small Business Payments, U.S. Bank

Speakers:

• Randall Patton, Senior Vice President, Executive Director, Mortgage Compliance, Arvest Bank
• Jonathan Thessin, Vice President and Senior Counsel, Regulatory Compliance and Policy, American Bankers Association

2G: Marketing Compliance: New Era = New Risks
Repeated from 1G

From algorithms to AI to distribution channels – the current era of digital marketing carries a lot of risks along with the rewards. We’ll provide specific hazards and help you understand how your ads are being distributed and ways to ensure that unintended consequences do not arise.

Moderator/Speaker:

• Heather Schaefer, Vice President, Chief Compliance Officer, First Financial Bank, NA

Speakers:

• Holly Higginbotham, Principal Compliance Specialist, Discover Financial Services
• Kelly Schlitz, Chief Compliance Officer, Banner Bank

2H: Leading Practices in Managing Appraisal Bias
Repeated from 1H

Regulators are increasingly focused on discrimination issues in the real estate appraisal arena, from ROVs to AMVs and everything in between. As we wait for the final guidance on several key issues, tune into this panel discussion to find out what industry leaders are doing right now in successfully managing appraisal compliance and potential bias.

Moderator/Speaker:

• Maureen Carollo CRCM, CAMS, Consultant, Old Glory Bank

Speakers:

• Salvatore Maiorana, Chief Compliance Officer, KeyBank
• Sharon L Whitaker, Vice President, CRE & Mortgage Finance, American Bankers Association

2I: Navigating Through the Sea of Hot Topics in Mortgage Servicing  
Repeated from 1I

From auto loan and consumer loan to mortgage servicing, the regulators are focused on ensuring borrowers are not harmed during the entire life of these products. Hear from seasoned industry experts on the compliance and risk challenges they are facing today and what they predict they will be facing in the future and what you can do to prepare for these rough waters. 

Moderator:

• Lynn Tarantino, CRCM, CAMS, Senior Vice President, Chief Quality and Control Officer, Cenlar

Speakers:

• Reggie Branch, Senior Director, Indirect Lending, Arvest Bank
• Anoush Garakani, Partner, Alston and Bird
• Ingrid Jaschok, Senior Vice President, Default Operations, Cenlar

12:00 PM – 1:30 PM

Innovation Showcase Luncheon

It’s lunch and a show – a solutions show! Enjoy your conference-provided lunch while listening to the latest risk and compliance innovations. Five-minute solution-pitches provide you with a glimpse of the future!

We are pleased to bring you presentations from:

• Archer
• BRG
• EverFi
• Lenders Cooperative
• Mitratech
• PricewaterhouseCoopers LLP (PwC)
• Resolver
• Summit Technology Group / Lenders Cooperative
• Venminder
• American Bankers Association Membership

1:30 PM – 1:45 PM

Break

1:45 PM – 2:30 PM

CONCURRENT SERIES 3

3A: Improving Your Exam Management Program
Repeated in 4A

In today's changing regulatory landscape, the number and criticality of exams keeps rising for financial institutions of all sizes, not just the bigger banks.   All institutions should review their exam management procedures to ensure all stakeholders understand their roles and are prepared to respond and participate as cohesively and effectively as possible. In this session, we will explore moving beyond the typical exam management program and delve into important topics, including how each of the three (3) lines of defense interact in exam management and how to potentially leverage new solutions around artificial intelligence and technology.

Moderator:

• Kevin Georgetti, Esq., CRCM, CAMS, CERP LLM, Chief Compliance Officer, Stifel Bancorp

Speakers:

• Charles Corbezzolo, CRCM, CERP, Governance and Application Controls, TD Bank
• Michelle L. Daniel, Vice President, Head of Consumer Bank 1B Testing, TD Bank

3B: Review Your Product and Change Management Program for Effectiveness
Repeated in 4B

From product to process, from technology to regulatory, there is an increased focus on change management.  Learn from our panel of experts and recovering examiners how to strengthen the culture of change in your bank.  They will share new ideas on how you can build and evaluate your enterprise change management processes, especially as it applies to all three lines of defense.

Moderator/Speaker:

• Aaron Rykowski, CRCM, Executive Vice President, Chief Compliance Officer, WesBanco Bank, Inc.

Speakers:

• Jim Carley, CRCM, CERP, CMS Advisory Group, LLC
• Constandino (Dino) Papagiannis, JD, CRCM, Director, Enterprise Change Management & 1st Line Ops Risk, Senior Vice President, Enterprise Operations, New York Community Bank, a division of Flagstar Bank, N.A.
• Tyler S. Surman, CERP, Assistant Vice President, RPS CRO Agile Risk Lead, US Bank

3C: Adapting Your Third-Party Risk Management Program to New FinTech Risks
Repeated in 4C

There’s a full range of considerations and concerns regarding FinTech Third Party risks. We’ll provide a roadmap to managing the risk including providing: questions you should ask; understanding middleware; oversight of non-bank entities and more.

Moderator:

• Maureen Carollo, CRCM, CAMS, Consultant, Old Glory Bank

Speakers:

• Jennifer Wilkinson, Vice President, Third Party Risk Management, Cenlar FSB
• Salvatore (Sal) Zerilli, CPA, CAMS | Managing Director, Mercadien

3D: Evaluation of the Risks of Artificial Intelligence
Repeated in 4D

We are deep enough into the AI conversation to begin talking about how to assess AI risks. From data integrity, technological glitches, security snags, misbehaving models, staff misuse, violations of privacy rights, discriminatory outcomes, and damage to the bank’s reputation, the list is long. This session will consider how to inventory and assess AI risks as you begin to prepare your policies and procedures to mitigate the risks. Experts will also discuss the infrastructure, data governance and monitoring needed to ensure that the AI solution remains reliable and appropriate for the intended use.

Moderator:

• Jennifer L. Gemma, Director, Operational Risk, Key Bank

Speakers:

• Nick Baxter, Executive Vice President, Chief Risk Officer, Chief Risk Officer at First National Bank of Omaha   
• Richard H. Harvey, Jr., Executive Vice President, General Counsel, Director of Compliance Risk and Board Secretary, Beneficial State Bank
• Harsh Pandya, Vice President, Product Management, Saifr, Fidelity Investments

3E: Asset Liability Management – Part 1: A New Era for Asset / Liability Management
Repeated in 4E

Our two-part look at Asset Liability Management begins with this session where we will review changing liquidity risk management expectations, especially regulatory expectations. We will explore how banks are stress testing earnings, capital, rate risk exposure and liquidity against new scenarios to manage their banks’ balance sheets.

Moderator:

• Allison Touhey, Senior Vice President, Bank Funding Policy, Prudential Regulation and Asset Management

Panel:

• Suzanne L. Clair, Associate Director – Capital Markets, Division of Risk Management Supervision, Federal Deposit Insurance Corporation
• Kevin P. Walsh, Deputy Comptroller, Market Risk Policy, Office of the Comptroller of the Currency Office

3F: Improving the Performance of Your Enterprise Risk Management Framework
Repeated in 4F

While the ERM framework has been around for a while, bankers are still working through issues to ensure efficiency and effectiveness. Join us for a conversation sharing potential answers to some of the common obstacles risk officers face, including breaking down silos, managing multiple risk types within the ERM framework, and how to include and measure operational risks, strategic risks and reputation risk.

Moderator:

• Cara Williams, CERP, CRCM, CCEP-I, Independent Consultant

Speakers:

• Michael Berman, JD, Founder and Chief Executive Officer, Ncontracts
• Stephanie Boryla, CERP, MBA, Senior Director of Enterprise Risk Management, Risk Management Administration, Arvest Bank

3G: UDAAP – The New, The Old and Everything In-Between
Repeated in 4G

As bankers analyze their UDAAP risk, there are many considerations from regulatory enforcement trends to evaluation of controls. This session will provide an overview of the latest UDAAP regulatory expectations and other “hot button concerns.  We’ll also provide thoughts on your risks in areas that have received less UDAAP-related scrutiny.   And we’ll take your questions on addressing UDAAP risks in every nook and cranny of your compliance management program.

Moderator:

• Heather C. Schaefer CRCM, JD, Vice President, Chief Compliance Officer, First Financial Bank, NA

Speaker:

• Sharon Greenbach, Director, Senior Counsel, Discover Financial Services
• Carl Pry, Senior Advisor, Asurity

3H: Hot Topics In RESPA
Repeated in 4H

It is really important to keep up to date with not only new regulations, but changes in enforcement of older regulations. This session will provide a quick review of new concerns including marketing, relationships with realtors, website advertising and more. We’ll cover current enforcement or litigation concerns and provide you with an effective compliance strategy going forward.

Moderators:

• Elizabeth (Betsy) Fredrickson, CRCM, Compliance Director, Wells Fargo Bank NA

Speakers:

• Rod Alba, Senior Vice President, Real Estate Finance-Mortgage, American Bankers Association
• Brian S. Levy, Partner, Katten & Temple, LLP

3I: The New Retail Lending CRA Test – An Initial Dive
Repeated in 4I

With 100 pages of the new CRA rule devoted just to tests, comparators, benchmarks and more, there is no way we can cover everything at RCC.  However, in this session, we’ll start an initial conversation using a case study on the retail test to provide bankers with some ideas on how they may want to consider the calculations and reporting. 

Note: ABA will continue to have ongoing education and information sessions throughout the year – RCC attendees will be notified when more learning opportunities will be planned.

Speakers:

• Tracy Johnson, JD, CRCM, Senior Director, Fair Banking and CRA, Arvest Bank
• Krista Shonk, Senior Vice President and Senior Counsel, Regulatory Compliance and Policy, Fair and Responsible Banking, American Bankers Association

2:30 PM – 2:45 PM

Break

2:45 PM – 3:30 PM

CONCURRENT SERIES 4

4A: Improving Your Exam Management Program
Repeated from 3A

In today's changing regulatory landscape, the number and criticality of exams keeps rising for financial institutions of all sizes, not just the bigger banks.   All institutions should review their exam management procedures to ensure all stakeholders understand their roles and are prepared to respond and participate as cohesively and effectively as possible. In this session, we will explore moving beyond the typical exam management program and delve into important topics, including how each of the three (3) lines of defense interact in exam management and how to potentially leverage new solutions around artificial intelligence and technology.

Moderator:

• Kevin Georgetti, Esq., CRCM, CAMS, CERP LLM, Chief Compliance Officer, Stifel Bancorp

Speakers:

• Charles Corbezzolo, CRCM, CERP, Governance and Application Controls, TD Bank
• Michelle L. Daniel, Vice President, Head of Consumer Bank 1B Testing, TD Bank

4B: Reviewing Your Product and Change Management Program for Effectiveness
Repeated from 3B

From product to process, from technology to regulatory, there is an increased focus on change management.  Learn from our panel of experts and recovering examiners how to strengthen the culture of change in your bank.  They will share new ideas on how you can build and evaluate your enterprise change management processes, especially as it applies to all three lines of defense.

Moderator/Speaker:

• Aaron Rykowski, CRCM, Executive Vice President, Chief Compliance Officer, WesBanco Bank, Inc.

Speakers:

• Jim Carley, CRCM, CERP, CMS Advisory Group, LLC
• Constandino (Dino) Papagiannis, JD, CRCM, Director, Enterprise Change Management & 1st Line Ops Risk, Senior Vice President, Enterprise Operations, New York Community Bank, a division of Flagstar Bank, N.A.
• Tyler S. Surman, CERP, Assistant Vice President, RPS CRO Agile Risk Lead, US Bank

4C: Adapting Your Third-Party Risk Management Program to New FinTech Risks
Repeated from 3C

There’s a full range of considerations and concerns regarding FinTech Third Party risks. We’ll provide a roadmap to managing the risk including providing: questions you should ask; understanding middleware; oversight of non-bank entities and more.

Moderator:

• Maureen Carollo CRCM, CAMS, Consultant, Old Glory Bank

Speakers:

• Jennifer Wilkinson, Vice President, Third Party Risk Management, Cenlar FSB
• Salvatore (Sal) Zerilli, CPA, CAMS| Managing Director, Mercadien

4D: Evaluation of the Risks of Artificial Intelligence
Repeated from 3D

We are deep enough into the AI conversation to begin talking about how to assess AI risks. From data integrity, technological glitches, security snags, misbehaving models, staff misuse, violations of privacy rights, discriminatory outcomes, and damage to the bank’s reputation, the list is long. This session will consider how to inventory and assess AI risks as you begin to prepare your policies and procedures to mitigate the risks. Experts will also discuss the infrastructure, data governance and monitoring need to ensure that the AI solution remains reliable and appropriate for the intended use.

Moderator:

• Jennifer L. Gemma, Director, Operational Risk, KeyBank

Speakers:

• Nick Baxter, Executive Vice President, Chief Risk Officer, First National Bank of Omaha
• Richard H. Harvey, Jr., Executive Vice President, General Counsel, Director of Compliance Risk and Board Secretary, Beneficial State Bank
• Harsh Pandya, Vice President, Product Management, Saifr, Fidelity Investments

4E: Asset Liability Management – Part 1: A New Era for Asset / Liability Management
Repeated from 3E

Our two-part look at Asset Liability Management begins with this session where we will review changing liquidity risk management expectations, especially regulatory expectations. We will explore how banks are stress testing earnings, capital, rate risk exposure and liquidity against new scenarios to manage their banks’ balance sheets.

Moderator:

• Allison Touhey, Senior Vice President, Bank Funding Policy, Prudential Regulation and Asset Management, American Bankers Association

Panel:

• Suzanne L. Clair, Associate Director – Capital Markets, Division of Risk Management Supervision, Federal Deposit Insurance Corporation
• Kevin P. Walsh, Deputy Comptroller, Market Risk Policy, Office of the Comptroller of the Currency

4F: Improving the Performance of Your Enterprise Risk Management Framework
Repeated from 3F

While the ERM framework has been around for a while, bankers are still working through issues to ensure efficiency and effectiveness. Join us for a conversation sharing potential answers to some of the common obstacles risk officers face, including breaking down silos, managing multiple risk types within the ERM framework, and how to include and measure operational risks, strategic risks and reputation risk.

Moderator:

• Cara Williams, CERP, CRCM, CCEP-I, Independent Consultant

Speakers:

• Michael Berman, JD, Founder and Chief Executive Officer, Ncontracts
• Stephanie Boryla, CERP, MBA, Senior Director of Enterprise Risk Management, Risk Management Administration, Arvest Bank

4G: UDAAP – The New, The Old and Everything In-between
Repeated from 3G

As bankers analyze their UDAAP risk, there are many considerations from regulatory enforcement trends to evaluation of controls. This session will provide an overview of the latest UDAAP regulatory expectations and other “hot button concerns.  We’ll also provide thoughts on your risks in areas that have received less UDAAP-related scrutiny.   And we’ll take your questions on addressing UDAAP risks in every nook and cranny of your compliance management program.

Moderator:

• Heather C. Schaefer CRCM, JD, Vice President, Chief Compliance Officer, First Financial Bank, NA

Speaker:

• Sharon Greenbach, Director, Senior Counsel, Discover Financial Services
• Carl Pry, Senior Advisor, Asurity

4H: Hot Topics In RESPA
Repeated from 3H

It is really important to keep up to date with not only new regulations, but changes in enforcement of older regulations. This session will provide a quick review of new concerns including marketing, relationships with realtors, website advertising and more. We’ll cover current enforcement or litigation concerns and provide you with an effective compliance strategy going forward.

Moderators:

• Elizabeth (Betsy) Fredrickson, CRCM, Compliance Director, Wells Fargo Bank NA

Speakers:

• Rod Alba, Senior Vice President, Real Estate Finance-Mortgage, American Bankers Association
• Brian S. Levy, Partner, Katten & Temple, LLP

4I: The New Retail Lending CRA Test – An Initial Dive
Repeated from 3I

With 100 pages of the new CRA rule devoted just to tests, comparators, benchmarks and more, there is no way we can cover everything at RCC.  However, in this session, we’ll start an initial conversation using a case study on the retail test to provide bankers with some ideas on how they may want to consider the calculations and reporting. 

Note: ABA will continue to have ongoing education and information sessions throughout the year – RCC attendees will be notified when more learning opportunities will be planned.

Speakers:

• Tracy Johnson, JD, CRCM, Senior Director, Fair Banking and CRA, Arvest Bank
• Krista Shonk, Senior Vice President and Senior Counsel, Regulatory Compliance and Policy, Fair and Responsible Banking, American Bankers Association

3:30 PM – 3:45 PM

Break

3:45 PM – 5:00 PM

GENERAL SESSION 2

Redirecting Your Cybersecurity Threat Focus to Improve Bank-Wide Effectiveness

Cybersecurity threats remains a top risk for banks and despite the ever-present risk assessments to capture emerging risks, there is an urgent need for bankers to step back and redefine how we understand these threats in the context of the entire enterprise. We are honored to have Marsh Advisory’s Head of the Emerging Risks Group, Reid Sawyer, bring a new way of understanding cyber risk in a broader context that will help bankers, no matter their risk or compliance job role, stay on top of evolving cyber risks. First, Reid will provide an essential overview of changing regulatory requirements. He will then move on to provide a roadmap to understanding cyber risk’s impact on the entire bank’s ecosystem and how it intersects with each area of the bank. Finally, he will provide an updated outline of the significant economic value of cyber risk in all areas of the bank. This session is designed for both compliance and risk officers, from all bank sizes.

Keynote Address:

• Reid Sawyer, Managing Director, Head, Emerging Risks Group, Marsh Advisory

5:00 PM – 6:00 PM

Opening Reception in the Hub: Emerald City Celebration

Welcome to the Hub! See and taste Seattle as you reconnect with industry providers and peers.

Experts Lounge: DSA Winners

7:30 AM – 5:30 PM

Registration Open

7:30 AM – 8:15 AM

WEDNESDAY POWER BREAKFAST SESSIONS

Take full advantage of your conference experience! Join one of our expert corporate partners for a quick-paced informative session all while enjoying breakfast. Seating is first-come, first-served – no reservations are required. A breakfast buffet will be available from 7:15 am – 7:45 am for attendees attending these sessions.

Power Breakfast 1: Navigating Beyond the Obvious: Uncharted Risk and Compliance Topics That Should Be on Your Horizon
Sponsored by: Wolters Kluwer

The financial services industry is a sea of constant change, and traditional risk and compliance programs may not be equipped to navigate the uncharted waters ahead. We will cover four critical areas that should be on your compliance and risk management horizon: The expanding influence of AI, a potential fourth line of defense, data governance in an open banking world, and strengthening your ROV processes to address the appraisal bias risks.  At the end of our presentation, we will be giving attendees a special treasure map to help you stay the course when you return to your institution.

Speakers:

• Elaine Duffus, Senior Specialized Consultant, Wolters Kluwer
• Tom Grundy, Director, Specialized Consulting, Wolters Kluwer
• Mark Miller, Director, Specialized Consulting, Wolters Kluwer
• Kris Stewart, Senior Director, Specialized Consulting, Wolters Kluwer

Power Breakfast 2: Valuation Functions and CECL as it relates to Regional/Community Banks
Sponsored by: BDO USA, P.C.

Our panel of experts discuss part of calculating lifetime expected credit loss (ECL). Join us exploring the four focus areas of Data (data repository, segmentation), Model (methodology, supportable), Reporting (periodic monitoring, qualitative adjustments), and Using the Valuation Function within the firm to determine the baseline for Fair Value to be used within the CECL analysis.

Speakers:

• Sudip Chatterjee, Managing Director, BDO USA, P.C.
• Matthew Foley, Managing Director, BDO USA, P.C.
• Daniel Miller, BDO USA, P.C.

Power Breakfast 3: Better than PPP? — Hear What is Even Better Than PPP in 2024 for Your Bank
Sponsored by: Lenders Cooperative

Join a panel session led by Lenders Cooperative to explore a unique opportunity for deeper engagement with your small business and commercial customers. This panel will discuss strategies to support your commercial customers in navigating the new FinCEN Corporate Transparency Act requirements while driving trust, loyalty and revenue stream to your bank.

Speakers:

• Loughlin Clear, President and National Sales Director, Lender Cooperative
• Ben Wallace, Chief Executive Officer, Summit Technology Group USA, P.C.
• Sheetal Kamani, Head of Partnerships, Wolters Kluwer

Power Breakfast 4: How Banks are Navigating Regulatory Compliance with AI
Sponsored by: Encapture

See how First National Bank Texas and Frandsen Bank are using automation to review loans and ensure data integrity for changing regulations.

Speakers:

• Brynna Desantiago, Head of Marketing, Encapture
• Sandy Knight, Senior Vice President , Director of Compliance, Fair & Responsible Banking, First National Bank Texas
• Melany Wynn, Senior Vice President, Director of Regulatory Affairs, Frandsen Financial Corporation

8:00 AM – 8:30 AM

Coffee and Conversations

Join us for a light breakfast and conversation with your fellow attendees and sponsors.

8:30 AM – 9:45 AM

GENERAL SESSION 3

AI in Risk and Compliance:  What is Here, What is Coming and What May Never Be!

Moderator:

• Brooke Ybarra, Senior Vice President, Innovation and Strategy, American Bankers Association

Speakers:

• Jesse Cresswell, PhD, Lead Machine Learning Scientist, Risk, Layer 6 AI, TD Bank
• Todd Conklin, Chief AI Officer and Deputy Assistant Secretary of Cybersecurity and Critical Infrastructure Protection, US Department of Treasury
• Julia Kaufmann, Senior Vice President, Retail Chief Operating Office, Retail Lending Operational Risk Management, Retail Technology Risk Management, Retail Information Security Risk Management, PNC Bank, National Association
• Harsh Pandya, Vice President, Product Management, Saifr, Fidelity Investments

9:45 AM – 10:30 AM

Coffee Break in The Hub
Sponsored by: NeuAnalytics

10:30 AM – 11:15 AM

CONCURRENT SERIES 5

5A: Building an Effective, Efficient and Interconnected Issues Management Program
Repeated in 6A

Effective interaction among all three lines ensures a comprehensive approach to issues management, with clear responsibilities, oversight, and accountability throughout the organization. Hear from industry experts representing the first line of defense and compliance and risk professionals in the second line of defense on what it takes to build, collaborate, escalate and report between the lines to ensure issues are managed and remediated effectively. 

Moderator:

• Cara Williams, CERP, CRCM, CCEP-I, Independent Consultant

Speakers:

• Stephanie Boryla, CERP, MBA, Senior Director of Enterprise Risk Management, Risk Management Administration, Arvest Bank
• Allyson Kiesel, Vice President, Issues Management, Cenlar
• Shannon Thomason, CRCM, CERP, Chief Compliance Officer, Senior Vice President, Central Bank

5B: CRA: Adapting Your Business Strategy to the New Rule
Repeated in 6B

Join us as we lead a discussion on how banks are beginning to think through how they will alter their current lending strategy to meet new CRA obligations and tests. We will walk through new ideas and questions you need to be asking yourselves as you move into a new era of lending.

Speakers:

• LaReta Lowther, Senior Vice President, CRA Compliance, WesBanco Bank, Inc.
• Krista Shonk, Senior Vice President and Senior Counsel, Regulatory Compliance and Policy, Fair and Responsible Banking, American Bankers Association
• Christopher T. Spellman, CRCM, Senior Vice President, and Corporate Compliance Director, HTLF (Heartland Financial USA, Inc.)

5C: Getting the Risk & Compliance Band Back Together in Models
Repeated in 6C

There are many times when both Risk and Compliance are looking at the same models, sometimes asking the same questions but from a different perspective. Is the model performing as designed? Are the data notes that are coming in accurate? Is it creating beautiful music output?  Is the composition (model document) thorough and are people tapping their feet to the information flow? Join us as we discuss how risk and compliance can coordinate efforts and create a model chorus.

Moderator:

• Ann Marie Tarantino CRCM, CRP, AMLP, Senior Vice President, Chief Compliance Officer & Risk Officer, Esquire Bank

Speakers:

• Mike Guglielmo, Managing, Director, Darling Consulting Group
• Maria E. Mayshura, CERP, Executive Vice President, Chief Risk Officer, First Bank

5D: AML and OFAC Update
Repeated in 6D

Every risk and compliance officer should keep themselves up to date on the latest critical concerns in AML and OFAC especially as it relates to beneficial ownership and OFAC.

Moderator:

• Maureen Carollo CRCM, CAMS, Consultant, Old Glory Bank.

Speaker:

• Heather Trew, Senior Vice President and Counsel, American Bankers Association

5E: Navigating the Climate Minefield: Risks and Strategies for Banks in an Evolving Regulatory Landscape 
Repeated in 6E

The session will focus on the risks facing banks from a number of fronts – regulatory, statutory, as well as from investors, shareholders and elected officials.  Of special focus will be the recently finalized SEC rules, while an improvement over the original proposal, still carry risk in compliance as well as costs for attestation and legal risk over what is deemed material.  For banks doing business across state lines there are also ongoing concerns about state level laws and other actions, like the compliance with California climate disclosure laws that will conflict with – and go far beyond – the SEC requirements.  Added to that mix are concerns about “red” vs. “blue” state approaches, where “red” states may seek to punish banks for taking actions required by “blue” states or determined necessary by investors, customers or their business plans.  This panel will explore these various facets and discuss how banks can successfully navigate the climate minefield.

Moderator:

• Joseph Pigg, Senior Vice President and Senior Counsel, ESG and Mortgage Finance, Fair and Responsible Banking, American Bankers Association

Speakers:

• Amy Betts, Senior Vice President, ESG Director, Strategy and Innovation, Umpqua Bank
• Melanie Cuevas, Vice President, Government Affairs, California Bankers Association
• S. Jason Fraley, Chief ESG Officer, The Huntington National Bank
• Francis Janes, Industry Relations and Partnerships Director, Beneficial State Bank

5F: Credit Risk: Can’t Manage What You Can’t Monitor
Repeated in 6F

From loan portfolio risk to interest rate risks to concentration risk, mitigating credit risk is difficult in today’s environment.  Join this fireside chat with two experienced CROs who will discuss the challenges they face and how they are using data analytics to monitor and mitigate credit risk.

Speakers:

• David Ackley, Chief Risk Officer, Camden National Bank
• Keith Monson, Chief Risk Officer, First Bank of the Lake

5G: Asset Liability Management – Part 2: Evaluating Deposit Stickiness
Repeated in 6G

Last year’s banking turmoil demonstrated the elevated run-off risk of deposits and underscored the importance of understanding and measuring the stability of your deposits – especially large, uninsured accounts. This session will delve into how bankers are identifying deposit concentrations and segments at greater risk to evaluate their “stickiness.”

Moderator:

• Allison Touhey, Senior Vice President, Bank Funding Policy, Prudential Regulation and Asset Management, American Bankers Association

Speaker:

• Bobby Bean, Head of Basel III Program, Truist
• John P. Biestman, CFA, Senior Relationship Manager, Federal Home Loan Bank of Des Moines
• Jason Cave, Senior Consultant, Patomak Global Partners

5H: Remediating Remediation Risks 
Repeated in 6H

With expectations for faster response, yet a need to be exact in your response, what are some leading practices for managing remediation?  We’ll provide ideas and solutions that will help you upgrade your remediation program.

Moderator:

• Scott H Pope, CRCM, Senior Vice President, Payments CRO Risk and Compliance Senior Manager  - Consumer and Small Business Payments, U.S. Bank

Speakers:

• Jeremy Hochberg, Partner, Mitchell Sandler, PLLC
• Bart Leahey, Chief Compliance Officer, Frost Bank

5I: Board Reporting 2024: Shifting from Metrics to Messaging
Repeated in 6I

In today’s turbulent environment, the demands on Boards have never been higher, but the answer isn’t to pile on more reports.  This is an example where less is more.  To be effective board reporting needs to shift from reporting information to providing insight, which means the materials need to focus on the message rather than the metrics.  In this session, we'll explore moving beyond KPIs and KRIs to help you craft a narrative that offers the Board a holistic understanding of risk, allowing them to focus on informed decision-making and more thorough oversight.

Speakers:

• Krysti Cunningham, CRCM, CERP, CAMS, Senior Vice President, Chief Risk Officer, Security National Bank
• Bill Tucker, CRCM, CAFP, CERP, CIA, Chief Compliance Officer, First Carolina Bank

11:15 AM – 11:30 PM

Break

11:30 AM – 12:15 PM

CONCURRENT SERIES 6

6A: Building an Effective, Efficient and Interconnected Issues Management Program 
Repeated from 5A

Effective interaction among all three lines ensures a comprehensive approach to issues management, with clear responsibilities, oversight, and accountability throughout the organization. Hear from industry experts representing the first line of defense and compliance and risk professionals in the second line of defense on what it takes to build, collaborate, escalate and report between the lines to ensure issues are managed and remediated effectively. 

Moderator:

• Cara Williams, CERP, CRCM, CCEP-I, Independent Consultant

Speakers:

• Stephanie Boryla, CERP, MBA, Senior Director of Enterprise Risk Management, Risk Management Administration, Arvest Bank
• Allyson Kiesel, Vice President, Issues Management, Cenlar
• Shannon Thomason, CRCM, CERP, Chief Compliance Officer, Senior Vice President, Central Bank

6B: CRA: Adapting Your Business Strategy to the New Rule
Repeated from 5B

Join us as we lead a discussion on how banks are beginning to think through how they will alter their current lending strategy to meet new CRA obligations and tests. We will walk through new ideas and questions you need to be asking yourselves as you move into a new era of lending.

Speakers:

• LaReta Lowther, Senior Vice President, CRA Compliance, WesBanco Bank, Inc.
• Krista Shonk, Senior Vice President and Senior Counsel, Regulatory Compliance and Policy, Fair and Responsible Banking, American Bankers Association
• Christopher T. Spellman, CRCM, Senior Vice President, and Corporate Compliance Director, HTLF (Heartland Financial USA, Inc.)

6C: Getting the Risk & Compliance Band Back Together in Models
Repeated from 5C

There are many times when both Risk and Compliance are looking at the same models, sometimes asking the same questions but from a different perspective.  Is the model performing as designed?  Are the data notes that are coming in accurate?  Is it creating beautiful music output?  Is the composition (model document) thorough and are people tapping their feet to the information flow?  Join us as we discuss how risk and compliance can coordinate efforts and create a model chorus.

Moderator:

• Ann Marie Tarantino, CRCM, CRP, AMLP, Senior Vice President, Chief Compliance Officer & Risk Officer, Esquire Bank

Speakers:

• Mike Guglielmo, Managing, Director, Darling Consulting Group
• Maria E. Mayshura, CERP, Executive Vice President, Chief Risk Officer, First Bank

6D: AML and OFAC Update
Repeated from 5D

Every risk and compliance officer should keep themselves up to date on the latest critical concerns in AML and OFAC especially as it relates to beneficial ownership and OFAC.

Moderator:

• Maureen Carollo, CRCM, CAMS, Consultant, Old Glory Bank

Speaker:

• Heather Trew, Senior Vice President and Counsel, American Bankers Association

6E: Navigating the Climate Minefield: Risks and Strategies for Banks in an Evolving Regulatory Landscape 
Repeated from 5E

The session will focus on the risks facing banks from a number of fronts – regulatory, statutory, as well as from investors, shareholders and elected officials. Of special focus will be the recently finalized SEC rules, while an improvement over the original proposal, still carry risk in compliance as well as costs for attestation and legal risk over what is deemed material. For banks doing business across state lines there are also ongoing concerns about state level laws and other actions, like the compliance with California climate disclosure laws that will conflict with – and go far beyond – the SEC requirements. Added to that mix are concerns about “red” vs. “blue” state approaches, where “red” states may seek to punish banks for taking actions required by “blue” states or determined necessary by investors, customers or their business plans. This panel will explore these various facets and discuss how banks can successfully navigate the climate minefield.

Moderator:

• Joseph Pigg, Senior Vice President and Senior Counsel, ESG and Mortgage Finance, Fair and Responsible Banking, American Bankers Association

Speakers:

• Amy Betts, Senior Vice President, ESG Director, Strategy and Innovation, Umpqua Bank
• Melanie Cuevas, Vice President, Government Affairs, California Bankers Association
• S. Jason Fraley, Chief ESG Officer, The Huntington National Bank
• Francis Janes, Industry Relations and Partnerships Director, Beneficial State Bank

6F: Credit Risk: Can’t Manage What You Can’t Monitor
Repeated from 5F

From loan portfolio risk to interest rate risks to concentration risk, mitigating credit risk is difficult in today’s environment.  Join this fireside chat with two experienced CROs who will discuss the challenges they face and how they are using data analytics to monitor and mitigate credit risk.  

Speakers:

• David Ackley, Chief Risk Officer, Camden National Bank
• Keith Monson, Chief Risk Officer, First Bank of the Lake

6G: Asset Liability Management – Part 2: Evaluating Deposit Stickiness
Repeated from 5G

Last year’s banking turmoil demonstrated the elevated run-off risk of deposits and underscored the importance of understanding and measuring the stability of your deposits – especially large, uninsured accounts. This session will delve into how bankers are identifying deposit concentrations and segments at greater risk to evaluate their “stickiness.”

Moderator:

• Allison Touhey, Senior Vice President, Bank Funding Policy, Prudential Regulation and Asset Management, American Bankers Association

Speaker:

• Bobby Bean, Head of Basel III Program, Truist
• John P. Biestman, CFA, Senior Relationship Manager, Federal Home Loan Bank of Des Moines
• Jason Cave, Senior Consultant, Patomak Global Partners

6H: Remediating Remediation Risks
Repeated from 5H

With expectations for faster response, yet a need to be exact in your response, what are some leading practices for managing remediation? We’ll provide ideas and solutions that will help you upgrade your remediation program.

Moderator:

• Scott H Pope, CRCM, Senior Vice President, Payments CRO Risk and Compliance Senior Manager  - Consumer and Small Business Payments, U.S. Bank

Speakers:

• Jeremy Hochberg, Partner, Mitchell Sandler, PLLC
• Bart Leahey, Chief Compliance Officer, Frost Bank

6I: Board Reporting 2024: Shifting from Metrics to Messaging
Repeated from 5J

In today’s turbulent environment, the demands on Boards have never been higher, but the answer isn’t to pile on more reports. This is an example where less is more. To be effective board reporting needs to shift from reporting information to providing insight, which means the materials need to focus on the message rather than the metrics. In this session, we'll explore moving beyond KPIs and KRIs to help you craft a narrative that offers the Board a holistic understanding of risk, allowing them to focus on informed decision-making and more thorough oversight.

Speakers:

• Krysti Cunningham, CRCM, CERP, CAMS, Senior Vice President, Chief Risk Officer, Security National Bank
• Bill Tucker, CRCM, CAFP, CERP, CIA, Chief Compliance Officer, First Carolina Bank 

12:15 PM – 1:45 PM

Lunch in The Hub

1:45 PM – 2:30 PM

CONCURRENT SERIES 7

7A: AI – The Next Frontier for Models 
Repeated in 8A

Join our voyage as we travel through the world of AI in models.  Our journey follows a case study – using AI to support the front line regarding policy and procedure.  We’ll explore strange, new risks associated with using AI, avoiding black holes along the way (bias, non-compliance, cybersecurity and explainability, to mention a few).  We will seek out new operational challenges and transparency, and boldly go where models are heading!

Moderators:

• Ann Marie Tarantino CRCM, CRP, AMLP, Senior Vice President, Chief Compliance Officer & Risk Officer, Esquire Bank

Speakers:

• Debra (Debbi) Avidon, Sr. Operations Risk Manager, Bessemer Trust Company, Co-Chair Women in Model Risk Management and Development
• Jennifer (Jen) Pederson, Director of Model Risk, SouthState Bank, Co-Chair Women in Model Risk Management and Development
• Denise Rinear, Managing Principal – Enterprise Risk Management, Capco

7B: Top Fraud Risks
Repeated in 8B

Fraud is everyone’s concern, especially for compliance and risk professionals. Join our experts for an overview of critical risk areas including check fraud, business email compromise, ransomware and more.

Moderators:

• Maria E. Mayshura, CERP, Executive Vice President, Chief Risk Officer, First Bank

Speakers:

• Luisa Franco, Founder/CEO, LFP Risk Solutions.
• Jim Hitchcock, Vice President, Fraud Mitigation, American Bankers Association

7C: Preparing for Large Bank Status – A Roadmap for Compliance
Repeated in 8C

With mergers and acquisitions continuing to rise and revenue growth continuing, every bank should have as part of their growth discussions an understanding of the level of impact such a transition would have on the compliance program, especially as it relates to heightened standards. We’ll provide you with a checklist of considerations to prepare you for discussions regarding growth.

Moderator/Speaker:

• Lynn Tarantino, CRCM, CAMS, Senior Vice President, Chief Control and Quality Officer, Cenlar, FSB

Speakers:

• Lynne Johnston, Senior Director, Treliant LLC
• Christopher T. Spellman, CRCM, Senior Vice President, and Corporate Compliance Director, HTLF (Heartland Financial USA, Inc.)

7D: Reframing the Debate Over ESG: A Presentation and Discussion with maslansky+partners
Repeated in 8D

ESG (Environmental, Social and Governance) has gone from a little understood term to a highly polarizing one in a remarkably short time, with many still not understanding what the term means, or that it means different things to different audiences.  In this session, Ben Feller, a partner in the language strategy firm maslansky+partners, will present their work on why it is important to engage on ESG issues, and why it is even more important to reframe the debate with an eye (and ear) toward recognizing it is not what you say, it is what they hear that matters.  Feller will then join in a fireside chat with ABA Senior Vice President for ESG, Joseph Pigg on how banks can apply the lessons from maslansky’s research into their own practices and approach to ESG.

Moderator:

• Joseph Pigg, Senior Vice President and Senior Counsel, ESG and Mortgage Finance, Fair and Responsible Banking, American Bankers Association

Speaker:

• Ben Feller, Partner, maslansky+partners

7E: Capital Management: Evolving Regulatory Expectations
Repeated in 8E

This session will focus on current concerns and regulatory expectations of Capital Management. You will walk away with a better sense of where to direct your Capital Management Program.

Speakers:

• Hu Benton, Senior Vice President and Policy Counsel, Prudential Regulation and Asset Management, American Bankers Association
• Hugh Carney, Executive Vice President, Financial Institution Policy and Regulatory Affairs, Prudential Regulation and Asset Management, American Bankers Association

7F: 2024 Approach to Deepen Your Analysis and Managing CRE Assets
Repeated in 8F

Banks are increasing credit risk management with an evolving economic landscape by focusing on the importance of robust asset management strategies. Join an insightful and timely session that delves into the intricacies of effectively managing CRE loans in increasing credit and interest rate risks. An expert panel of seasoned financial professionals will explore the key issues and best practices for mitigating credit and interest rate risks, that will help you to meet the expectations for your next regulatory exam

Moderator:

• Sharon L Whitaker, Vice President, CRE & Mortgage Finance, American Bankers Association

Speakers:

• John Markovich, Chief Credit Officer, FirstBank
• Neena Miller, Senior Vice President and Chief Credit Officer; OceanFirst Bank, Red Bank

7G: Fair Lending Hot Topics
Repeated in 8G

From system modeling to redlining to immigration status. There seems to be no end to the ever-changing expectations in the fair lending arena. Tune in to this expert panel to hear the latest developments in the legal and enforcement world to better prepare for your next fair lending exam.

Moderator:

• Maureen Carollo CRCM, CAMS, Consultant, Old Glory Bank

Speakers:

• Gregory Imm, Retired, Chief Compliance Officer, M&T Bank
• Andrea Mitchell, Managing Partner, Mitchell Sandler, PLLC

7H: Not Just Flood Insurance, But Most Definitely Flood Insurance
Repeated in 8H

Join our panel as we walk through the latest issues in residential and commercial flood compliance concerns, as well as other issues and developments that we are seeing in the insurance industry, including the rising cost of insurance and availability of hazard insurance for commercial properties. 

Moderator/Speaker:

• Teshale Smith, Senior Counsel, Consumer Regulations and Compliance Solutions, American Bankers Association

Speakers:

• Crystal S. Boyers, Senior Vice President, Truist Wholesale Credit Servicing/Flood, Hazard & Tax Compliance Manager, Truist
• Robert Cole, Executive Vice President, National Risk Brokerage

7I: Surfin’ the Waves of Change in Payments
Repeated in 8I

Join us in a discussion on recent and anticipated regulatory actions and their impacts in the payments space, including some that may have been overlooked. This session will focus on reviewing actions spanning from Rule 1071 and Rule 370 to proposed Rules 1033 to Overdraft. The information provided will assist with you keeping your head above water in this rapidly evolving space.

Moderator:

• Scott H Pope, CRCM, Senior Vice President, Payments CRO Risk and Compliance Senior Manager - Consumer and Small Business Payments, U.S. Bank

Speaker:

• Rob Wilcox, Senior Vice President, Chief Compliance Officer, First National Bank of Omaha

2:30 PM – 3:30 PM

Dessert in The Hub

3:30 PM – 4:30 PM

GENERAL SESSION 4

What Would You Do? CRO and CCO Collaboration with Today’s Challenges

Our panel of CCOs and CROs will take scenarios real-time, providing their response to a variety of scenarios. This is a great way to benchmark how you might respond to a particular challenge!

Moderator:

• Ryan Rasske, Senior Vice President, Risk and Compliance Markets, Member Engagement Group; American Bankers Association

Speakers:

• Mary Clouthier, CERP, CRCM, Executive Vice President, Chief Risk Officer, Cornerstone Capital Bank, SSB
• Krysti Cunningham, CRCM, CAMS, Senior Vice President, Chief Risk Officer, Security National Bank
• Salvatore Maiorana, Chief Compliance Officer, KeyBank
• Kelly O’Brien, JD, Chief Compliance Officer, M&T Bank
• Tina Shaver, CRCM, CAMS, Executive Vice President, Chief Risk Officer, Premier Bank
• Daniel D. Soto, CAMS, Chief Compliance Officer, Ally Financial

4:30 PM – 5:30 PM

Wonders in the Wilderness Reception
An experience inspired by Seattle’s natural beauty awaits you.

5:30 PM – 6:30 PM

No Assessments Reception
For current CRCMs and CERPs only

7:30 AM – 5:30 PM

Registration Open

7:30 AM – 8:15 AM

THURSDAY POWER BREAKFAST SESSIONS

Take full advantage of your conference experience! Join one of our expert corporate partners for a quick-paced informative session all while enjoying breakfast. Seating is first-come, first-served - no reservations are required. A breakfast buffet will be available from 7:15 am – 7:45 am for attendees attending these sessions.

Power Breakfast 1: Navigating Turbulent Waters - Are Legal Challenges to Agency Rulemaking the New Normal?
Sponsored by: Finastra

Explore the growing legal challenges facing final agency rules, and gain insight into their potential outcomes and the implications for your financial institution's compliance management process. This session will highlight ongoing litigation related to 1071, CRA, Credit Card Late Fees, and more and equip you with best practices and strategies for effective readiness as you adjust to today’s unstable compliance landscape.

Speaker:

• Mike Fowdy, Principal Compliance Counsel, Finastra

Power Breakfast 2: Artificial Intelligence: The New Compliance Frontier
Sponsored by: NContracts

Join a panel of experts as they discuss the compliance challenges – and opportunities – created by AI solutions and how to manage this emerging technology. This session will cover the ways AI is transforming banking operations, existing and emerging AI risks (including what regulators have to say), data security and privacy, measuring and managing AI risk, and responsible use and ethics.

Speakers:

• Michael Berman, JD, Founder and Chief Executive Officer, Ncontracts
• Monica Bolin, Risk Management Expert, Ncontracts
• Rafael DeLeon, Senior Vice President of Industry Engagement, Ncontracts

Power Breakfast 3: Mitigating Loss: Combating the True Cost of Fraud
Sponsored by: Abrigo

Fraud continues to be top of mind for financial institutions, with hard dollar losses growing at an all-time high. We will discuss the true cost of fraud and gain valuable insights into the tangible and intangible losses incurred due to simple and complex fraud schemes. You will come away with a comprehensive understanding of various types of fraud affecting financial institutions, actionable steps to mitigate their impact, and the importance of collaboration among industry peers and law enforcement partners.

Speaker:

• Terri Luttrell, CAMS-Audit, CFCS, Compliance and Engagement Director, Abrigo

8:00 AM – 8:30 AM

Coffee and Conversations in the Foyer

Join us for a light breakfast and conversation with your fellow attendees and sponsors.

8:30 AM – 10:00 AM

GENERAL SESSION 5

Part 1: Silicon Valley 2.0 – Where Are We Now and Where Are We Heading?:  A Fireside Chat

Speakers:

• Bobby Bean, Head of Basel III Program, Truist
• Hugh Carney, Executive Vice President, Prudential Regulation and Asset Management,  American Bankers Association
  

Part 2: Risk Management’s ‘Secret Sauce’ Includes a Culture of Ethics and Inclusion

Best in class risk governance for any sized institution is ensuring that they subscribe to 1) a robust corporate culture; 2) a highly ethical culture; and 3) a strong risk culture. This three-legged stool can stand the test of time as long as all three legs are firmly in place and they are working together to hold up the weight of the corporate risk governance framework. Join our seasoned compliance and risk experts as they examine the elements of the three-legged stool, highlighting the importance of each of these cultural dimensions and their critical interdependence in strengthening the overall corporate risk governance structure.

Speakers:

• Calvin R. Hagins, Principal Deputy Assistant Director for the Office of Supervision Examinations, Consumer Financial Protection Bureau
• Richard H. Harvey, Jr., Executive Vice President, General Counsel, Director of Compliance Risk and Board Secretary, Beneficial State Bank
• Bill Tucker, CRCM, CAFP, CERP, CIA, Chief Compliance Officer, First Carolina Bank

10:00 AM – 11:00 AM

Coffee Break in The Hub

11:00 AM – 11:45 AM

CONCURRENT SERIES 8
Repeated from Series 7

8A: AI– The Next Frontier for Models
Repeated from 7A

Join our voyage as we travel through the world of AI in models.  Our journey follows a case study – using AI to support the front line regarding policy and procedure.  We’ll explore strange, new risks associated with using AI, avoiding black holes along the way (bias, non-compliance, cybersecurity and explainability, to mention a few).  We will seek out new operational challenges and transparency, and boldly go where models are heading!

Moderator:

• Ann Marie Tarantino CRCM, CRP, AMLP,   Senior Vice President, Chief Compliance Officer & Risk Officer, Esquire Bank

Speakers:

• Debra (Debbi) Avidon, Sr. Operations Risk Manager, Bessemer Trust Company, Co-Chair Women in Model Risk Management and Development
• Jennifer (Jen) Pederson, Director of Model Risk, SouthState Bank, Co-Chair Women in Model Risk Management and Development
• Denise Rinear, Managing Principal – ERM Practice, Capco Community Banking

8B: Top Fraud Risks
Repeated from 7B

Fraud is everyone’s concern, especially for compliance and risk professionals. Join our experts for an overview of critical risk areas including check fraud, business email compromise, ransomware and more.

Moderator:

• Maria E. Mayshura, CERP, Executive Vice President, Chief Risk Officer, First Bank

Speakers:

• Luisa Franco, Founder/CEO, LFP Risk Solutions.
• Jim Hitchcock, Vice President, Fraud Mitigation, American Bankers Association

8C: Preparing for Large Bank Status – A Roadmap for Compliance
Repeated from 7C

With mergers and acquisitions continuing to rise and revenue growth continuing, every bank should have as part of their growth discussions an understanding of the level of impact such a transition would have on the compliance program, especially as it relates to heightened standards. We’ll provide you with a checklist of considerations to prepare you for discussions regarding growth. 

Moderator/Speaker:

• Lynn Tarantino, CRCM, CAMS, Senior Vice President, Chief Control and Quality Officer, Cenlar, FSB

Speakers:

• Lynne Johnston, Senior Director. Treliant LLC
• Christopher T. Spellman, CRCM, Senior Vice President, and Corporate Compliance Director, HTLF (Heartland Financial USA, Inc.)

8D: Reframing the Debate Over ESG: A Presentation and Discussion with maslansky+partners
Repeated from 7D

ESG (Environmental, Social and Governance) has gone from a little understood term to a highly polarizing one in a remarkably short time, with many still not understanding what the term means, or that it means different things to different audiences.  In this session, Ben Feller, a partner in the language strategy firm maslansky+partners, will present their work on why it is important to engage on ESG issues, and why it is even more important to reframe the debate with an eye (and ear) toward recognizing it is not what you say, it is what they hear that matters.  Feller will then join in a fireside chat with ABA Senior Vice President for ESG, Joseph Pigg on how banks can apply the lessons from maslansky’s research into their own practices and approach to ESG.

Moderator:

• Joseph Pigg, Senior Vice President and Senior Counsel, ESG and Mortgage Finance, Fair and Responsible Banking, American Bankers Association

Speaker:

• Ben Feller, Partner, maslansky+partners

8E: Capital Management: Evolving Regulatory Expectations
Repeated from 7E

This session will focus on current concerns and regulatory expectations of Capital Management. You will walk away with a better sense of where to direct your Capital Management Program.

Speakers:

• Hu Benton, Senior Vice President and Policy Counsel, Prudential Regulation and Asset Management, American Bankers Association
• Hugh Carney, Executive Vice President, Financial Institution Policy and Regulatory Affairs, Prudential Regulation and Asset Management, American Bankers Association

8F: 2024 Approach to Deepen Your Analysis and Managing CRE Assets
Repeated from 7F

Banks are increasing credit risk management with an evolving economic landscape by focusing on the importance of robust asset management strategies. Join an insightful and timely session that delves into the intricacies of effectively managing CRE loans in increasing credit and interest rate risks. An expert panel of seasoned financial professionals will explore the key issues and best practices for mitigating credit and interest rate risks, that will help you to meet the expectations for your next regulatory exam.

Moderator:

• Sharon L Whitaker, Vice President, CRE & Mortgage Finance, American Bankers Association

Speakers:

• John Markovich, Chief Credit Officer, FirstBank
• Neena Miller, Senior Vice President and Chief Credit Officer; OceanFirst Bank

8G: Fair Lending Hot Topics
Repeated from 7G

From system modeling to redlining to immigration status. There seems to be no end to the ever-changing expectations in the fair lending arena. Tune in to this expert panel to hear the latest developments in the legal and enforcement world to better prepare for your next fair lending exam.

Moderator:

• Maureen Carollo CRCM, CAMS, Consultant, Old Glory Bank

Speakers:

• Gregory Imm, Retired, Chief Compliance Officer, M&T Bank
• Andrea Mitchell, Managing Partner, Mitchell Sandler, LLC

8H: Not Just Flood Insurance, But Most Definitely Flood Insurance
Repeated from 7H

Join our panel as we walk through the latest issues in residential and commercial flood compliance concerns, as well as other issues and developments that we are seeing in the insurance industry, including the rising cost of insurance and availability of hazard insurance for commercial properties.

Moderator/Speaker:

• Teshale Smith, Senior Counsel, Consumer Regulations and Compliance Solutions, American Bankers Association

Speakers:

• Crystal S. Boyers, Senior Vice President, Truist Wholesale Credit Servicing / Flood, Hazard & Tax Compliance Manager, Truist
• Robert Cole, Executive Vice President, National Risk Brokerage

8I: Surfin’ the Waves of Change in Payments
Repeated from 7I

Join us in a discussion on recent and anticipated regulatory actions and their impacts in the payments space, including some that may have been overlooked.  This session will focus on reviewing actions spanning from Rule 1071 and Rule 370 to proposed Rules 1033 to Overdraft.  The information provided will assist with you keeping your head above water in this rapidly evolving space.

Moderator:

• Scott H Pope, CRCM, Senior Vice President, Payments CRO Risk and Compliance Senior Manager  - Consumer and Small Business Payments, U.S. Bank

Speaker:

• Rob Wilcox, Senior Vice President, Chief Compliance Officer, First National Bank of Omaha

11:45 AM – 1:45 PM

Seated Luncheon

Enjoy a delicious lunch with your peers and plan to be delighted with a surprise special presentation that highlights collaboration and being nimble in a fast-moving environment!

1:45 PM – 2:45 PM

Final Dessert in The Hub

Don’t miss your final opportunity to visit the Hub at this conference

2:45 PM – 4:30 PM

CONCURRENT SERIES 9

Learning Labs with Libations

Pick your topic area and prepare to spend two hours hearing the latest trends and solutions from experts and your peers. These learning labs are designed with most of the session devoted to peer-to-peer idea exchange and Q&A. You will walk away with an advanced level ability to respond to a particular risk area.

Important: These sessions will only be offered one time and most will not be recorded as most of the session time is devoted to open peer discussions and Q&A.

9A: Compliance Officer of the Future: New Risks, New Technology, New Opportunities
Single Session

This session will be an open dialogue troubleshooting common workplace challenges we all face. Included in this discussion will be leading a hybrid workforce, mentoring remotely, empowering employees, reskilling for a technology-based job role; strategic development of subject matter experts and generalists to create strong career paths, maximizing new interactions with key stakeholders within the organization, your influence with other departments and more. This will also include conversations about succession planning beyond the plan – building internal talent for continuity.

Moderator/Speaker:

• Krysti Cunningham, CRCM, CAMS, Senior Vice President, Chief Risk Officer, Security National Bank

Speakers:

• Jim Bedsole, CRCM, CERP, CAFP, CCBP, CBA, CFSA, FLE, Senior Vice President, Chief Compliance and Risk Officer, BankSouth
• David Dickinson, President, Banker’s Compliance Consulting
• Marilu Jimenez, (Maria de Lourdes), Esq., CAMS, Chief Compliance Officer, Nave Bank

9B: Test Drive Your Testing: Creating Efficiencies in Testing
Single Session

Insanity is defined as doing the same thing over and over, while expecting different outcomes.  Do you live under the burden of testers, testing testers, testing testers, with no clear understanding of what the outcome is supposed to be across the firm?  This session will provide participants an opportunity to kick the tires of their company’s testing strategy to see where it might fall flat.  By thoughtfully examining the testing life cycle you can identify where it might need a tune up to become more efficient and effective.  This session aims to facilitate an open conversation on managing testing in various lines of defense and to differentiate between testing outcomes and the testing process, emphasizing the identification of root causes.  Come willing to share your perspective and lessons learned in your testing process, including regulatory inventory to controls.

Moderator/Speaker:

• Bill Tucker, CRCM, CAFP, CERP, CIA, Chief Compliance Officer, First Carolina Bank

Speakers:

• Megan Hammersmith, Compliance Director, Risk Evaluation & Assurance, KeyBank
• Katherine Robinson, CFE, CAMS, GRCP, Enterprise Risk Manager, Sterling Bank & Trust, FSB

9C: My Name is __ and I Struggle with Third Party Risk Management
Single Session

While we have a session specifically focused on third- and fourth-party risks associated with FinTechs, we thought attendees would benefit from talking to each other about how they handle all things third party risk management.  This is an audience-led therapy session to drill down, roll-up-your sleeves and look under the hood of your third-party risk management program.  We’ll talk about liability risks, regulatory expectations, new controls for new risks, testing and whatever is on your mind.  Bring your questions/thoughts/experiences and even the experiences of “a friend” as we help each other through these challenging times. 

Speakers:

• Jill Czerwinski, CISSP, CISA, CIPP, PMP, Managing Principal, Third Party Risk, Crowe LLP
• Rafael E. DeLeon, Senior Vice President of Industry Engagement, NContracts
• Raji Sathappan, CPA, MBA,CRCM,CISA,CAMS | Managing Director, Mercadien
• Ann Marie Tarantino CRCM, CRP, AMLP, Senior Vice President, Chief Compliance Officer & Risk Officer, Esquire Bank

9D: Cybersecurity Incident Response: A Tabletop Exercise
Single Session

This will not be your typical cybersecurity breach exercise! We will run through a scenario and just like a comedy improv, we’ll take audience suggestions on not only steps people take, but also complications to be worked through. By the end, you will get a better sense of not only what not to do, but how to plan for the unexpected and create a coordinated response plan.

Speakers:

• David Ackley, Chief Risk Officer, Camden National Bank
• Tan Ansari, Esq.,  Executive Vice President, General Counsel and Chief Risk Officer, The First National Bank of Long Island
• Paul Benda, Executive Vice President, Risk, Fraud and Cybersecurity, American Bankers Association
• Stephanie Boryla, CERP, MBA, Senior Director of Enterprise Risk Management, Risk Management Administration, Arvest Bank
• John Carlson, Senior Vice President, Cybersecurity Regulation and Resilience, American Bankers Association
• Maureen Carollo CRCM, CAMS, Consultant, Old Glory Bank
• LeAnne B. Staalenburg, CRCM, CISSP, Senior Vice President, Chief Information Security Officer, Capital City Bank

9E: Career Paths for Risk and Compliance: Mapping Out Your Future
Single Session

This session is designed to foster creative thinking in mapping out your future career in risk and compliance. Mostly interactive, we will provide ideas on creating a personalized plan for growing your career. We also will provide time for peer-to-peer mentoring conversations.

Speakers:

• Allen Brady, Managing Director, ZRG Partners Americas, EMEA, Asia Pacific
• Robert M. Iommazzo,  Managing Director, Global Practice Leader, Enterprise Risk & Analytics, Seba Executive Search, a ZRG Company

9F: Check Up on 1071: An Interactive Discussion
Single Session

As banks build out their 1071 program, there have been more questions – and this session is designed to dig deep into those questions. We’ll talk through lessons learned from those who are already ahead in implementing 1071. We’ll sort through the intersections with risk management, including things like balancing credit risk with 1071 requirements. We’ll talk about data and what it should look like. We’ll also touch on what this looks like for banks that have multiple regions where they operate and we’ll talk about collaborating with vendors as well as impacts across the organization. And throughout this session – we’ll take your questions.

Moderator/Speaker:

• Kitty Ryan, Senior Vice President, Fair and Responsible Banking, American Bankers Association

Speakers:

• Firas Mustapha, CRCM, Senior Director of Compliance, Arvest Bank
• Aaron Rykowski, CRCM, Executive Vice President, Chief Compliance Officer, WesBanco Bank, Inc.
• Christopher T. Spellman, CRCM, Senior Vice President, and Corporate Compliance Director, HTLF (Heartland Financial USA, Inc.)

9G: Mortgage Lending Question Jam
Single Session

This session is designed to give you a brief update on all things mortgage lending related followed by an extensive interactive conversation with our experts on managing through challenges. Expect a lively discussion, led by ABA’s Rod Alba who is the master of all things mortgage related.

Speakers:

• Rod Alba, Senior Vice President, Real Estate Finance-Mortgage, American Bankers Association
• Elizabeth (Betsy) Fredrickson, CRCM, Compliance Director, Wells Fargo Bank NA
• Shaun Harms, CRCM, Principal / Consulting - Regulatory Compliance, Forvis
• Jerod Moyer, Banker’s Compliance Consulting

7:30 AM – 9:00 AM

Registration Open

7:30 AM – 10:00 AM

BUFFET BREAKFAST + CLOSING GENERAL SESSIONS

Fuel Up for the Road Ahead

Recognizing many of you will be taking early afternoon flights or want to spend the afternoon sight-seeing, we planned this morning’s multi-speaker line up to end earlier than previous RCCs, but it will be impactful as you prepare you for the road ahead. We will provide you with recommended actions and focus for the next six months – and beyond. With the breakfast and the session – you will be fueled in body and mind for whatever is waiting for you back home!

Part 1: What Are Your Next Steps Next Week?

We will outline what we think are your key risks, critical discussions with leadership and to-dos.

Part 2: Convergence:  How Governance, Operations and Controls Must Interact and Engage in the Face of Rapid Change

Keynote Address:

• Patti Joyner, President and Founder, Financial Solutions for Growing Companies, Inc.

10:00 AM

Conference Concludes