Program | Risk and Compliance Conference

7:00 AM – 5:30 PM

Registration Open

7:00 AM – 9:00 AM

Welcome Continental Breakfast

9:00 AM – 10:00 AM

General Session 1

10:00 AM – 11:00 AM

Move to Next Session

11:00 AM – 11:30 A

Concurrent Series 1: "The Rev Up Zone"
Repeated in Series 2

Fast and Furious! Rev up your understanding of the latest policy changes in Washington as well as the latest ABA industry-impactful projects. These 30-minute briefings are exactly what you need to rev up for the race on the RCC information superhighway!

NOTE: Because of the uncertainty in latest policy changes, topics are subject to change and we haven’t expanded heavily on what we will offer because so much is up in the air. You can count on ABA to bring you the absolute latest information and guidance as you navigate this difficult time.

1A: Pace Car or Race Car – Check Engine Light on Your Overdraft Program Repeated in 2A

Is your overdraft program in overdrive or keeping pace with industry standards? Join us for this Rev Up Zone session where we will cover the latest regulatory developments on overdraft program expectations as well as talk through practical things you can be reviewing and doing at your bank to gauge if your program is in the right gear for the road ahead, even if the forecast is uncertain.

• Jonathan Thessin, Vice President and Senior Counsel, Regulatory Compliance and Policy, American Bankers Association
• Moderator: Cara Williams, CERP, CRCM, CCEP-I, Chief Compliance Officer, Cornerstone Bank

1B Managing Intraday Liquidity RiskRepeated in 2B

1C Do All of the AMLA Proposals and Recent BSA Updates Have You Spinning in Circles?Repeated in 2C

AML/CFT compliance remains in the spotlight and bankers seem to have more questions than answers with all the proposed changes these days. The session will provide an update on the latest topics gaining focus in AML/CFT. We will discuss the most recent changes to the Corporate Transparency Act (CTA) and what this might mean for CDD expectations, as well as what the status of the AMLA proposal and its potential finalization. We will also revisit the latest developments in BSA reporting, cryptocurrency, debanking concerns and sanctions compliance. Lastly, we provide an overview of legislative developments that banks and their board should be keeping an eye on.

1D Hit the Gas or Pump the Brakes – When Are Your Holds Reasonable?Repeated in 2D

Striking the right balance between preventing fraud and providing timely access to funds is an ongoing challenge for banks. With increased scrutiny from customers and attention from the CFPB, the pressure to implement reasonable policies for check holds has never been greater. This session delves into the latest regulatory expectations for reasonable cause holds and showcases how bankers are navigating these challenges within their institutions. Gain practical insights and strategies to refine your approach, ensuring compliance while maintaining customer trust. You'll leave with a clearer understanding of what “reasonable” really means—and how to achieve it effectively.

• Halle Morgan, Vice President and Senior Counsel, Regulatory Compliance and Policy, American Bankers Association
• Moderator/Speaker: Aaron Rykowski, CRCM, Senior Vice President and Chief Compliance Officer, WesBanco Bank, Inc. 

1E Turn Around – Don’t Drown: Understanding Your Flood Insurance Risk ExposuresRepeated in 2E

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

1F 1071: Are We Done or Just Getting Started?Repeated in 2F

Right now, we are waiting for a lot to be decided surrounding 1071. We are going to hold a placeholder for this critical topic because we do believe we will have answers by June. ABA is monitoring the latest developments, and we will share what we know in June.

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

1G Servicing: A Comprehensive Overview of Potential Regulatory Changes and Litigation Challenges Repeated in 2G

Servicing faces pressure from every angle—regulatory scrutiny, litigation risks, and the complexities of operational and technological innovation. This session sets the stage for a deeper dive into operational and innovation challenges later in the conference.

In this 30-minute session, you’ll gain a concise yet comprehensive overview of the most critical regulatory, enforcement, and litigation issues impacting servicing today. Gain critical insights to help you navigate the growing complexities of compliance, preparing you for Part 2, where we’ll explore practical strategies for adapting operations and integrating emerging technologies in the evolving regulatory environment of servicing

1H Red Light – Green Light: An Overview of Responding to Enforcement ConcernsRepeated in 2H

1I Open for Late Breaking DevelopmentsRepeated in 2I

1J Open
Repeated in 2J

11:30 AM – 11:45 AM

Move to Next Session

11:45 AM – 12:15 PM

Concurrent Series 2 "The Rev Up Zone"
Repeated from Series 1

Fast and Furious! Rev up your understanding of the latest policy changes in Washington as well as the latest ABA industry-impactful projects. These 30-minute briefings are exactly what you need to rev up for the race on the RCC information superhighway!

NOTE: Because of the uncertainty in latest policy changes, topics are subject to change and we haven’t expanded heavily on what we will offer because so much is up in the air. You can count on ABA to bring you the absolute latest information and guidance as you navigate this difficult time.

2A: Pace Car or Race Car – Check Engine Lights On Your Overdraft Program Repeated from 1A

Is your overdraft program in overdrive or keeping pace with industry standards? Join us for this Rev Up Zone session where we will cover the latest regulatory developments on overdraft program expectations as well as talk through practical things you can be reviewing and doing at your bank to gauge if your program is in the right gear for the road ahead, even if the forecast is uncertain.

• Jonathan Thessin, Vice President and Senior Counsel, Regulatory Compliance and Policy, American Bankers Association
• Moderator: Cara Williams, CERP, CRCM, CCEP-I, Chief Compliance Officer, Cornerstone Bank

2B Managing IntraDay Liquidity Risk
Repeated from 1B 

2C Do All of the AMLA Proposals and Recent BSA Updates Have you Spinning in Circles?Repeated from 1C

AML/CFT compliance remains in the spotlight and bankers seem to have more questions than answers with all the proposed changes these days. The session will provide an update on the latest topics gaining focus in AML/CFT. We will discuss the most recent changes to the Corporate Transparency Act (CTA) and what this might mean for CDD expectations, as well as the status of the AMLA proposal and its potential finalization. We will also revisit the latest developments in BSA reporting, cryptocurrency, debanking concerns and sanctions compliance. Lastly, we provide an overview of legislative developments that banks and their board should be keeping an eye on.

2D Hit the Gas or Pump the Brakes – When Are Your Holds Reasonable? Repeated from 1D

Striking the right balance between preventing fraud and providing timely access to funds is an ongoing challenge for banks. With increased scrutiny from customers and attention from the CFPB, the pressure to implement reasonable policies for check holds has never been greater. This session delves into the latest regulatory expectations for reasonable cause holds and showcases how bankers are navigating these challenges within their institutions. Gain practical insights and strategies to refine your approach, ensuring compliance while maintaining customer trust. You'll leave with a clearer understanding of what “reasonable” really means—and how to achieve it effectively.

• Halle Morgan, Vice President and Senior Counsel, Regulatory Compliance and Policy, American Bankers Association
• Moderator/Speaker: Aaron Rykowski, CRCM, Senior Vice President and Chief Compliance Officer, WesBanco Bank, Inc. 

2G Servicing: A Comprehensive Overview of Potential Regulatory Changes and Litigation ChallengesRepeated from 1G

Servicing faces pressure from every angle—regulatory scrutiny, litigation risks, and the complexities of operational and technological innovation. This session sets the stage for a deeper dive into operational and innovation challenges later in the conference.

In this 30-minute session, you’ll gain a concise yet comprehensive overview of the most critical regulatory, enforcement, and litigation issues impacting servicing today. Gain critical insights to help you navigate the growing complexities of compliance, preparing you for Part 2, where we’ll explore practical strategies for adapting operations and integrating emerging technologies in the evolving regulatory environment of servicing

2H Red Light – Green Light: An Overview of Responding to Enforcement ConcernsRepeated from 1H

2I Open for Late Breaking DevelopmentsRepeated from 1I

2J OpenRepeated from 1J

12:15 PM – 1:30 PM

Innovation Showcase Luncheon

It’s Lunch and a Show!
But it is a show you can’t miss. The speed of change in technology requires you to keep up with the latest innovations from our key partners. Through five-minute ‘pitches’ you will get a glimpse of how new technology and ideas can provide your program with the booster it needs for maximum effectiveness.

1:30 PM – 1:45 PM

Move to Next Session

1:45 PM – 2:30 PM

Concurrent Series 3
Repeated in Series 4

3A Not all Deposits Are the Same! Evaluating New Deposit Risks Against Your Risk Appetite.Repeated in 4A 

Are you creating additional risk in pursuit of deposits to lower funding costs? Once you get these deposits – are they sticky or is there a risk of concentration run-off? We’ll walk you through evaluating various deposit product risks and their impact on other risks, such as credit risk, concentration risk and liquidity risk. 

3B Is Your Data Safe in the Age of AI? Repeated in 4B 

AI data has emerged as a critical asset, driving innovation, decision-making and efficiencies. It also raises significant challenges related to data security, quality, accuracy and privacy. This session will provide a Data Audit Framework which will provide a means to evaluate the effectiveness of data controls throughout the organization. 

• Ryan T. Miller, CIPP/US, Vice President & Senior Counsel, Innovation Policy, American Bankers Association
• Cindy Tu, CISA, CISSP, CPA, CDMC, AWS SAA l Discover Financial Services, Director of Data & IT Audit, Internal Audit

3C How Hungry Are You? Tying your Risk Appetite Statement to Your Strategic PlanRepeated in 4C 

3D Interested in Interest Rates? Hedging Your Strategy to Changing Interest Rate Risk Environment Repeated in 4D 

3E From Chaos to Clarity: Advanced M&A Due Diligence Strategies for Risk Mitigation Repeated in 4E 

Bank mergers and acquisitions come with complex compliance and due diligence challenges that can make or break the deal. Ensuring a seamless process requires a robust due diligence checklist, a thorough understanding of regulatory expectations, and risk identification. In this session, industry experts will walk you through the latest compliance considerations, from due diligence best practices to regulatory approvals. Learn how to capture sufficient documentation, identify potential risks and mitigate compliance pitfalls to set up your institution for success. Whether you're navigating your first M&A transaction or refining your process for future deals, this session will provide actionable insights to help you lead with confidence in the high-stakes world of bank M&A.

• Moderator: Christopher T. Spellman, CRCM, Risk and Compliance Consultant (Former Senior Vice President, and Corporate Compliance Director, HTLF)

3F Under the Microscope: A Closer Look at Mitigating Credit Risks in the Current EnvironmentRepeated in 4F

Credit risks are ever changing and it is critical for risk officers to not just mitigate credit risks, but make strong credit policy decisions well informed on the intersection of these risks. Join our panel of experts as they explore the complex landscape of credit risks currently influencing our industry. We’ll examine the key factors influencing borrower behavior, market fluctuations and economic shifts that are transforming credit risk assessments. Our conversation will cover crucial topics such as interest rate fluctuations, housing market volatility, regulatory developments, unemployment, inflation, natural disasters and cybersecurity threats examining how these risks can create vulnerabilities in your credit risk profile and mitigation strategies. Additionally, we’ll discuss the obstacles we face and the strategies we deploy to navigate this constantly evolving environment. You will walk away better able to update your credit risk policy based on these potential exposures, especially those that may be specific to a geographic area or portfolio concentration.

3G New Turns on the Track: Regulatory Change Management Repeated in 4G 

The only certainty is uncertainty, and this year's biggest compliance challenge is regulatory change. To stay ahead, it's crucial to devise a strategic roadmap that identifies what to proactively pursue, what requires monitoring, and what demands immediate action. Join us as bankers from three different asset sizes reveal where they see the most significant compliance risk exposures from federal and state regulators. They'll also discuss risks from a safety and soundness perspective, providing you with a robust framework for evaluating both your short-term and long-term strategies in managing regulatory change. Don't miss this opportunity to equip yourself with the insights and tools needed to thrive in an ever-evolving regulatory landscape.

• Thomas Williams, CRCM, CCBIA, ACT Specialist, Executive Vice President, Compliance Director, United Bank
• Stacey Hyre, Senior Manager, Corporate Compliance, Regulatory Change Management, US Bank
• Moderator: Kevin Georgetti, Esq. CRCM CERP CAMS LLM, Senior Vice President, Chief Compliance Officer, OceanFirst Bank N.A.

3H We Didn't Start the Fire - Managing Credit Risk in Times of Crisis – Part 1
Repeated in 4H 

While banks have taken steps to prepare for the impact of natural disasters, the California wildfires introduced new sets of credit risk challenges. Despite their readiness, banks still found themselves making reactive decisions and implementing mitigating controls for the first time. Join our panel of experts as they share their first-hand experiences with the effects of the wildfires on their credit risk. They will discuss how they navigated both immediate and long term changes as well as the lessons learned that they have integrated into their credit risk management systems to better prevent or mitigate future losses from evolving disasters across the country. 

3I The Ghosts of Credit Scores Past, Present and Future
Repeated in 4I 

Don't let the ghosts of historical credit models haunt your lending practices. Learn about the challenges of preparing your team for a credit model transition. In this session, we will discuss the status of FHFA's planned credit model modernization and provide overviews to understand the challenges with the new models, how they could impact borrower eligibility and loan performance, why you should be thinking about the models beyond mortgage loans, and how to ensure a positive customer experience. What are the possibilities of credit modernizations advancing in the current administration?

• Moderator/Speaker: Rod Alba, Senior Vice President, Real Estate Finance-Mortgage, American Bankers Association

3J: The CFPB at a Crossroads: What's Next?Repeated in 4J

While it is likely we will all know more by June, we thought it would be important to have a placeholder session which is designed to provide you with an overview of the key CFPB changes and the implications for your compliance program. While we do not expect that regulators will be able to travel, we will provide you with inside-Washington insights that will help you navigate the complex regulatory road ahead.

• Halle Morgan, Vice President and Senior Counsel, Regulatory Compliance and Policy, American Bankers Association

2:30 PM – 2:45 PM

Move to Next Session

2:45 PM – 3:30 PM

Concurrent Series 4
Repeated from Series 3

4A Not all Deposits Are the Same! Evaluating New Deposit Risks Against Your Risk Appetite.Repeated from 3A 

Are you creating additional risk in pursuit of deposits to lower funding costs? Once you get these deposits – are they sticky or is there a risk of concentration run-off? We’ll walk you through evaluating various deposit product risks and their impact on other risks, such as credit risk, concentration risk and liquidity risk. 

4B Is Your Data Safe in the Age of AI?Repeated from 3B 

AI data has emerged as a critical asset, driving innovation, decision-making and efficiencies. It also raises significant challenges related to data security, quality, accuracy and privacy. This session will provide a Data Audit Framework which will provide a means to evaluate the effectiveness of data controls throughout the organization. 

• Ryan T. Miller, CIPP/US, Vice President & Senior Counsel, Innovation Policy, American Bankers Association
• Cindy Tu, CISA, CISSP, CPA, CDMC, AWS SAA l Discover Financial Services Director of Data & IT Audit, Internal Audit

4C How Hungry Are You? Tying your Risk Appetite Statement to Your Strategic PlanRepeated from 3C

4D Interested in Interest Rates? Hedging Your Strategy to Changing Interest Rate Risk EnvironmentRepeated from 3D 

4E From Chaos to Clarity: Advanced M&A Due Diligence Strategies for Risk MitigationRepeated from 3E 

Bank mergers and acquisitions come with complex compliance and due diligence challenges that can make or break the deal. Ensuring a seamless process requires a robust due diligence checklist, a thorough understanding of regulatory expectations, and risk identification. In this session, industry experts will walk you through the latest compliance considerations, from due diligence best practices to regulatory approvals. Learn how to capture sufficient documentation, identify potential risks and mitigate compliance pitfalls to set up your institution for success. Whether you're navigating your first M&A transaction or refining your process for future deals, this session will provide actionable insights to help you lead with confidence in the high-stakes world of bank M&A.

• Moderator: Christopher T. Spellman, CRCM, Risk and Compliance Consultant (Former Senior Vice President, and Corporate Compliance Director, HTLF)

4F Under the Microscope: A Closer Look at Mitigating Credit Risks in the Current EnvironmentRepeated from 3F

Credit risks are ever changing and it is critical for risk officers to not just mitigate credit risks, but make strong credit policy decisions well informed on the intersection of these risks. Join our panel of experts as they explore the complex landscape of credit risks currently influencing our industry. We’ll examine the key factors influencing borrower behavior, market fluctuations and economic shifts that are transforming credit risk assessments. Our conversation will cover crucial topics such as interest rate fluctuations, housing market volatility, regulatory developments, unemployment, inflation, natural disasters and cybersecurity threats examining how these risks can create vulnerabilities in your credit risk profile and mitigation strategies. Additionally, we’ll discuss the obstacles we face and the strategies we deploy to navigate this constantly evolving environment. You will walk away better able to update your credit risk policy based on these potential exposures, especially those that may be specific to a geographic area or portfolio concentration.

4G New Turns on the Track: Regulatory Change Management Repeated from 3G 

The only certainty is uncertainty, and this year's biggest compliance challenge is regulatory change. To stay ahead, it's crucial to devise a strategic roadmap that identifies what to proactively pursue, what requires monitoring, and what demands immediate action. Join us as bankers from three different asset sizes reveal where they see the most significant compliance risk exposures from federal and state regulators. They'll also discuss risks from a safety and soundness perspective, providing you with a robust framework for evaluating both your short-term and long-term strategies in managing regulatory change. Don't miss this opportunity to equip yourself with the insights and tools needed to thrive in an ever-evolving regulatory landscape.

• Stacey Hyre, Senior Manager, Corporate Compliance, Regulatory Change Management, US Bank
• Thomas Williams, CRCM, CCBIA, ACT Specialist, Executive Vice President, Compliance Director, United Bank
• Moderator: Kevin Georgetti, Esq. CRCM, CERP, CAMS, LLM, Senior Vice President, Chief Compliance Officer, OceanFirst Bank N.A.

4H We Didn't Start the Fire - Managing Credit Risk in Times of Crisis – Part 1
Repeated from 3H 

While banks have taken steps to prepare for the impact of natural disasters, the California wildfires introduced new sets of credit risk challenges. Despite their readiness, banks still found themselves making reactive decisions and implementing mitigating controls for the first time. Join our panel of experts as they share their first-hand experiences with the effects of the wildfires on their credit risk. They will discuss how they navigated both immediate and long term changes as well as the lessons learned that they have integrated into their credit risk management systems to better prevent or mitigate future losses from evolving disasters across the country. 

4I The Ghosts of Credit Scores Past, Present and Future
Repeated from 3I 

Don't let the ghosts of historical credit models haunt your lending practices. Learn about the challenges of preparing your team for a credit model transition. In this session, we will discuss the status of FHFA's planned credit model modernization and provide overviews to understand the challenges with the new models, how they could impact borrower eligibility and loan performance, why you should be thinking about the models beyond mortgage loans, and how to ensure a positive customer experience. What are the possibilities of credit modernizations advancing in the current administration?

• Moderator/Speaker: Rod Alba, Senior Vice President, Real Estate Finance-Mortgage, American Bankers Association

4J: The CFPB at a Crossroads: What's Next?Repeated from 3J

While it is likely we will all know more by June, we thought it would be important to have a placeholder session which is designed to provide you with an overview of the key CFPB changes and the implications for your compliance program. While we do not expect that regulators will be able to travel, we will provide you with inside-Washington insights that will help you navigate the complex regulatory road ahead.

• Halle Morgan, Vice President and Senior Counsel, Regulatory Compliance and Policy, American Bankers Association

3:30 PM – 3:45 PM

Move to Next Session

3:45 PM – 5:00 PM

General Session 2

Tick Tock, It’s Time for Tech Talk: Can’t Turn a Blind Eye to AI

5:00 PM – 6:00 PM

Opening Reception in The Hub

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 7:15 AM to 7:45 AM for attendees attending these sessions.

8:00 AM – 8:30 AM

Coffee and Conversation

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

8:30 AM – 10:00 AM

General Session 3

• 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
• Sayee Srinivasan, Chief Economist, American Bankers Association

10:00 AM – 10:30 AM

Coffee Break in The Hub

10:30 AM – 11:15 AM

Concurrent Series 5Repeated in Series 6

5A Managing Credit Risk During a Disaster – Part 2 Looking Ahead: Mitigating Future Losses
Repeated in 6A 

5B Don’t Pay the Piper in Payments TechnologiesRepeated in 6B 

5C Exploring the Risks in FinTechs and BaaSRepeated in 6C 

Third-party risk management is challenging, and even more so when the third party is a FinTech. The main question is – what do you need to do differently because it is a FinTech? From onboarding to documenting where the data is stored to the division of responsibilities in BaaS – there’s a wide range of risks partnering with third parties in innovative ways. This session will explore the various risks presented when partnering with a FinTech.

• Moderator: Maureen E. Carollo, CRCM, CAMS, Compliance and Risk Consultant

5D Asset Liability Management: Monitoring and Stress TestingRepeated in 6D 

5E Leveraging AI for Lending and Credit Risk Management of Special Interest to Small and Mid-Size Institutions Repeated in 6E

5F “We’re Not in Kansas Anymore”: Measuring the Risk of Unusual Weather EventsRepeated in 6F

5G Fee Fear? Setting Fees with Focus and DocumentationRepeated in 6G

In racing, it is said that when a car starts to slide, your reflex is to look at the wall to avoid it. However, if you focus on what you fear, that is where you'll end up. The same can happen with setting fee policies within the bank. This session will explore leading practices on what should be focused on and how to document fee policies and practices to help avoid ending up where you may fear being.

• Bart Leahey, Chief Compliance Officer, Frost Bank
• Scott H. Pope, CRCM, Senior Vice President, Payments CRO Risk and Compliance Senior Manager - Consumer and Small Business Payments, U.S. Bank
• Moderator/Speaker: Jonathan Thessin, Vice President and Senior Counsel, Regulatory Compliance and Policy, American Bankers Association

5H Achieving Operational Efficiencies and Adopting New Innovation in ServicingRepeated in 6H 

5I UDAAP as a Customer ExperienceRepeated in 6I

5J Extend and Pretend and Other CRE Myths Repeated in 6J

We’ve seen all kinds of opinions on the current state of commercial real estate credit risk management but is it really descriptive of the current state of affairs? Your CRE risk management strategy relies on an accurate assessment of the current state of CRE risks so you can create a customized approach to the business. Our experts will separate fact from fiction on risks and provide you with a map to create the best CRE risk strategy for your bank.

11:15 AM – 11:30 PM

Move to Next Session

11:30 AM – 12:15 PM

Concurrent Series 6
Repeated from Series 5

6A Managing Credit Risk During a Disaster – Part 2 Looking Ahead: Mitigating Future LossesRepeated from 5A 

6B Don’t Pay the Piper in Payments TechnologiesRepeated from 5B 

6C Exploring the Risks in FinTechs and BaaSRepeated from 5C 

Third-party risk management is challenging, and even more so when the third party is a FinTech. The main question is – what do you need to do differently because it is a FinTech? From onboarding to documenting where the data is stored to the division of responsibilities in BaaS – there’s a wide range of risks partnering with third parties in innovative ways. This session will explore the various risks presented when partnering with a FinTech.

• Moderator: Maureen E. Carollo, CRCM, CAMS, Compliance and Risk Consultant

6D Asset Liability Management: Monitoring and Stress TestingRepeated from 5D 

6E Leveraging AI for Lending and Credit Risk Management of Special Interest to Small and Mid-Size InstitutionsRepeated from 5E

6F “We’re Not in Kansas Anymore”: Measuring the Risk of Unusual Weather EventsRepeated from 5F

6G Fee Fear? Setting Fees with Focus Intention and DocumentationRepeated from 5G

In racing, it is said that when a car starts to slide, your reflex is to look at the wall to avoid it. However, if you focus on what you fear, that is where you'll end up. The same can happen with setting fee policies within the bank. This session will explore leading practices on what should be focused on and how to document fee policies and practices to help avoid ending up where you may fear being.

• Bart Leahey, Chief Compliance Officer, Frost Bank
• Scott H. Pope, CRCM, Senior Vice President, Payments CRO Risk and Compliance Senior Manager - Consumer and Small Business Payments, U.S. Bank
• Moderator/Speaker: Jonathan Thessin, Vice President and Senior Counsel, Regulatory Compliance and Policy, American Bankers Association

6H Achieving Operational Efficiencies and Adopting New Innovation in ServicingRepeated from 5H 

6I UDAAP as a Customer ExperienceRepeated from 5I

6J Extend and Pretend and Other CRE MythsRepeated from 5J

We’ve seen all kinds of opinions on the current state of commercial real estate credit risk management but is it really descriptive of the current state of affairs? Your CRE risk management strategy relies on an accurate assessment of the current state of CRE risks so you can create a customized approach to the business. Our experts will separate fact from fiction on risks and provide you with a map to create the best CRE risk strategy for your bank.

12:15 PM – 1:45 PM

Lunch in The Hub

1:45 PM – 2:30 PM

Concurrent Series 7
Repeated in Series 8

7A Fraud Management: Detect, Mitigate, and Protect Repeated in 8A 

7B Ethics and Conduct Risk: Driving a Strong Risk CultureRepeated in 8B

For years, banks have engaged in discussions around ethics and conduct risk, yet they continue to grapple with ever-evolving themes and programmatic challenges. How can institutions of any size establish clear standards to foster a strong risk culture? And how can they enhance and develop programs to effectively monitor and assess conduct risks? This session will explore practical strategies for embedding ethics into your organization’s culture and creating robust frameworks to stay ahead of emerging challenges in conduct risk management.

• Cara Williams, CERP, CRCM, CCEP-1, Chief Compliance Officer, Cornerstone Bank
• Jennifer L. Gemma, Director, Operational Risk, KeyBank 

7C Where are Models Lurking, and What to Do When You Find Them?For Community and Mid-Sized Banks
Repeated in 8C 

Model Risk Management in community and mid-sized banks is often considered ‘another language’, spoken only by Risk and Compliance. Models are lurking everywhere, so how can you translate model language in a way that others understand so that models can be identified? And then, once they are identified, what are the next steps? This session will delve into ways to identify models around the bank and then categorize and assess the risks. 

• Mike Guglielmo, Managing Director, Darling Consulting Group
• Cass Robb, CAMS, CFE, Vice President, BSA Officer, Camden National Bank
• Ann Marie Tarantino, CRCM, CRP, AMLP, Senior Vice President, Chief Compliance Officer & Risk Officer, Esquire Bank

7D Capital Management: Effective Challenge in the Evolving Use of MetricsRepeated in 8D

7E CECL UpdatesRepeated in 8E 

• Michael Gullette, SVP, Tax & Accounting, American Bankers Association
• Tiffany Temple, Senior Vice President, Director, Credit Risk Analytics, Hancock Whitney Bank
• Moderator: Joshua Stein, VP, Accounting & Financial Management, American Bankers Association

7F Enterprise Evolution Risk Management ChangeRepeated in 8F 

7G Appraising Your Appraisal Program Repeated in 8G

Regulatory and investor expectations require more oversight and changes for monitoring your appraisal processes. Compliance and risk assessments require additional considerations to identify appraisal bias, along with reconsideration of value steps to be compliant for your next exam. Come to hear ideas how to reevaluate your processes to ensure you are proactively managing these changes efficiently and effectively at your bank. 

• Moderator: Sharon Whitaker, VP, CRE &: Mortgage Finance, American Bankers Association

7H AI Governance: Mapping Out a Strategy for Today and TomorrowRepeated in 8H

7I Are There Cracks in Your CRA Foundation?Repeated in 8I

7J Why Should You Care About Section 1033 Now? Repeated in 8J

Privacy and security around consumers’ personal financial information are core bank values. ABA shares goals with the industry of bringing consistency to the consumer-permissioned data sharing ecosystem. More than a decade since Dodd-Frank's passage and building upon regulatory actions since 2016, the final rule for Section 1033 was released by the CFPB in October 2024. While legal challenges to the rule persist, many banks are already examining operational considerations, with compliance dates set for 2026 through 2030 based on asset size. While banks of $850 million or less are exempt from data provider requirements, they are still subject to the rule's obligations for authorized third parties.

As with many regulatory issues this year, uncertainties abound. This session will deliver the latest regulatory updates, offer insights into implementation timelines, and explore potential operational challenges and solutions, equipping you with a framework to manage 1033 implementation effectively.

• Ryan T. Miller, CIPP/US, Vice President & Senior Counsel, Innovation Policy, American Bankers Association

2:30 PM – 3:30 PM

Dessert Break in The Hub

3:30 PM – 4:45 PM

General Session 4

Riding the Economic Rollercoaster: Impacts to Risk and Compliance

There’s not one banker that can’t benefit from understanding how economic changes impact their jobs, but especially in risk and compliance. Join ABA’s Chief Economist in a fireside chat with one of ABA’s Economic Advisory Council Members as they explore economic key risk indicators, especially as they may impact risk frameworks across the enterprise.

You can also expect to hear the results from the survey you took this morning on the cost of compliance across asset categories. This is a must-see session!!

• Simona Mocuta, Chief Economist, State Street Global Advisors
• Moderator: Sayee Srinivasan, Chief Economist, American Bankers Association

4:45 PM – 5:00 PM

Travel to Conference Reception

5:00 PM – 6:15 PM

Special Conference Reception at the Famous Lucas Oil Stadium – Home to the Indianapolis Colts

This is no ordinary reception and this is no ordinary stadium! We have booked Lucas Oil Plaza right above the football field for great drinks, food, and more, all within a quick walk from the convention center. You’ll love catching up at one of the most interesting football stadiums in the league!!

6:30 PM – 7:30 PM

No Assessments Receptionfor 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 to 7:45 AM for attendees attending these sessions.

8:00 AM – 8:30 AM

Coffee and Conversation

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

8:30 AM – 10:00 AM

General Session 5

Creating a Cyber-Aware Risk Culture

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 Fraud Management:    Detect, Mitigate, and ProtectRepeated from 7A 

8B Ethics and Conduct Risk: Driving a Strong Risk CultureRepeated from 7B

For years, banks have engaged in discussions around ethics and conduct risk, yet they continue to grapple with ever-evolving themes and programmatic challenges. How can institutions of any size establish clear standards to foster a strong risk culture? And how can they enhance and develop programs to effectively monitor and assess conduct risks?    This session will explore practical strategies for embedding ethics into your organization’s culture and creating robust frameworks to stay ahead of emerging challenges in conduct risk management.

• Cara Williams, CERP, CRCM, CCEP-1, Chief Compliance Officer, Cornerstone Bank
• Moderator: Jennifer L. Gemma, Director, Operational Risk, KeyBank

8C Where are Models Lurking, and What to Do When You Find Them?Repeated from 7C 

Model Risk Management in community and mid-sized banks is often considered ‘another language’, spoken only by Risk and Compliance. Models are lurking everywhere, so how can you translate model language in a way that others understand so that models can be identified? And then, once they are identified, what are the next steps? This session will delve into ways to identify models around the bank and then categorize and assess the risks. 

• Mike Guglielmo, Managing Director, Darling Consulting Group
• Cass Robb, CAMS, CFE, Vice President, BSA Officer, Camden National Bank
• Moderator/Speaker: Ann Marie Tarantino, CRCM, CRP, AMLP, Senior Vice President, Chief Compliance Officer & Risk Officer, Esquire Bank

8D Capital Management: Effective Challenge in the Evolving Use of Metrics Repeated from 7D

8E CECL UpdatesRepeated from 7E 

• Michael Gullette, SVP, Tax & Accounting, American Bankers Association
• Tiffany Temple, Senior Vice President, Director, Credit Risk Analytics, Hancock Whitney Bank
• Moderator: Joshua Stein, VP, Accounting & Financial Management, American Bankers Association

8F Enterprise Evolution Risk Management ChangeRepeated from 7F 

8G Appraising Your Appraisal Program Repeated from 7G

Regulatory and investor expectations require more oversight and changes for monitoring your appraisal processes.    Compliance and risk assessments require additional considerations to identify appraisal bias, along with reconsideration of value steps to be compliant for your next exam. Come to hear ideas how to reevaluate your processes to ensure you are proactively managing these changes efficiently and effectively at your bank. 

• Moderator: Sharon Whitaker, VP, CRE & Mortgage Finance, American Bankers Association

8H AI Governance:    Mapping Out a Strategy for Today and TomorrowRepeated from 7H

8I Are There Cracks in Your CRA Foundation?Repeated from 7I

8J Why Should You Care About Section 1033 and Open Banking Now?Repeated from 7J

Privacy and security around consumers’ personal financial information are core bank values. More than a decade since Dodd-Frank's passage and building upon regulatory actions since 2016, the final rule for Section 1033 was released by the CFPB in October 2024.    While legal challenges to the rule persist, many banks are already examining operational considerations, with compliance dates set for 2026 through 2030 based on asset size. While banks of $850 million or less are exempt from data provider requirements, they are still subject to the rule's obligations for authorized third parties.

As with many regulatory issues this year, uncertainties abound. This session will deliver the latest regulatory updates, offer insights into implementation timelines, and explore potential operational challenges and solutions, equipping you with a framework to manage 1033 implementation effectively.  

• Ryan T. Miller, CIPP/US, Vice President & Senior Counsel, Innovation Policy, American Bankers Association

11:45 AM – 1:45 PM

Seated Luncheon with Speaker

1:45 PM – 2:45 PM

Dessert Break in The Hub

2:45 PM – 4:30 PM

Concurrent Sessions – Series 9

Learning Labs with Libations

Single Sessions

Pick your topic area and prepare to spend 90 minutes hearing the latest trends and solutions from experts and exchange challenges and solutions with 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. 

These sessions will only be offered once, and they will not be recorded as most of the session time is devoted to table discussions and Q&A.

9A Fraud Risk Management- Governance and Controls 

Shape shifting fraud typologies require constant shifts in managing and mitigating the risks. The session will provide tools, including ideas for improving your risk assessment, map of ownership, documentation and reporting structure.

9B Sunsetting the Cyber Assessment Tool (CAT): What’s the Purrfect Next Cyber Framework

Many adapted the FFIEC CAT as part of their cybersecurity risk assessment process.    But since 2015, there have been an increase of cyber changes and challenges. This session will outline the issues surrounding sunsetting the CAT and provide new frameworks that will work seamlessly in managing compliance, senior management and board reporting as well as drive harmonization. With 90 minutes and some libations, we can also dig into how these new frameworks can mitigate the risks of third parties and the increased use of artificial intelligence.    You will walk away with a strong direction in selecting and use of your next framework and an improved posture for mitigating cybersecurity risks.

• Moderator: John Carlson, Senior Vice President, Cybersecurity Regulation and Resilience, American Bankers Association

9C Optimizing the Three Lines of Defense

9D AI and Algorithmic Compliance Risks

• Kitty Ryan, Senior Vice President, Fair and Responsible Banking, American Bankers Association
• Aaron Rykowski, CRCM, Senior Vice President and Chief Compliance Officer, WesBanco Bank, Inc.
• Moderator: Sterling W. Hening, CRCM, Compliance and Risk Consultant

9E Modeling Operational Risk

9F It’s Party Time – Third Party Risk Management!

Third-parties, fourth-parties, fifth parties – there are many party-crashers! How do you ensure that you’re doing enough to manage the risks? This session is an audience-driven discussion covering third-party risk management. Some topics include information security, incident notification protocols, AI and FinTech oversight – plus any questions that the audience brings to the table. Learn from and help your peers – join this session ready to participate in a robust discussion!

Speakers:

• Rafael E. DeLeon, Senior Vice President of Industry Engagement, NContracts
• Moderator/Speaker: David Ackley, Chief Risk Officer, Camden National Bank

9G Mortgage Lending Question Jam

There never seems to be enough time for answers to your critical mortgage lending compliance questions so we’ve set aside 90-minutes for Rod Alba, ABA’s mortgage guru and his expert panel to talk through mortgage compliance challenges and answer your questions! Everything is on the table, especially challenges arising from the current rate environment, investor requirements and new questions on old rules (think TRID and RESPA Section 8)! You’ll walk away with ideas on how to tackle new challenges in a well thought out way. 

• Rod Alba, Senior Vice President, Real Estate Finance, American Bankers Association
• Moderator: Elizabeth (Betsy) Fredrickson, CRCM, Compliance Director, Wells Fargo Bank NA
  
   

4:30 PM

Thursday Concludes

It’s the final night of the Conference – we’re ending earlier tonight so you can enjoy exploring all that Indianapolis has to offer! 

7:30 AM – 9:00 AM

Registration Open

7:30 AM – 8:15 AM

Friday 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 to 7:45AM  for attendees attending these sessions.

8:15 AM – 8:30 AM

Coffee and Conversations in the Foyers

8:30 AM – 11:00 AM

General Session 6

Fuel Up for the Road Ahead

This morning’s line up will help you look ahead, providing you with recommended actions and focus for the next six months – and beyond.

11:00 AM

Conference Concludes