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 AM

Concurrent Series 1: The Rev Up Zone (Choose from ten sessions)
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, this series will offer a lot of compliance policy updates, which will be of interest to both risk and compliance officers.

1A: Overdraft Guidance Repeated in 2A 

1B New Credit Score TypesRepeated in 2B

1C Managing Intraday Liquidity RiskRepeated in 2C 

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

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.

1E Reasonable Cause HoldsRepeated in 2E

1F Medical Debt Collection - CFPB Rules and ChangesRepeated in 2F

1G Responding to Customer Request for Information in a Timely Manner: Section 1034cRepeated in 2G 

1H Don’t Drown – Turn Around – Latest Flood Insurance RisksRepeated in 2H

Moderator:

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

1I O pen for Late Breaking Developments 
Repeated in 2I

1J Open for Late Breaking Developments 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 (Choose from ten sessions)
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! Many of these topics will be explored in deeper ways later in the conference.

NOTE: Because of the uncertainty in latest policy changes, this series will offer a lot of compliance policy updates, which will be of interest to both risk and compliance officers.

2A: Overdraft Guidance Repeated from 1A 

2B New Credit Score TypesRepeated from 1B

2C Managing IntraDay Liquidity RiskRepeated from 1C 

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

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.

2E Reasonable Cause HoldsRepeated from 1E

2F Medical Debt Collection - CFPB Rules and ChangesRepeated from 1F

2G Responding to Customer Request for Information in a Timely Manner: Section 1034cRepeated from 1G 

2H Don’t Drown – Turn Around – Latest Flood Insurance RisksRepeated from 1H

Moderator:

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

2I Open for Late Breaking DevelopmentsRepeated from 1I

2J Open for Late Breaking DevelopmentsRepeated 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. 

Moderator:

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

Speaker:

• 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 Acquiring Minds Want to Know: The M&A Download Repeated in 4E 

It’s not business as usual in M&A. In fact, the Acting Comptroller of the Currency recently talked about streamlining the merger application process and how to improve the market share scores. These changes alone could shift the entire merger and acquisition process. From current merger guidelines to the latest initiatives in streamlining the application process, this session will provide a playbook for acquisition readiness.

3F Credit Risks Under the Magnifying Glass: What is the Action Plan?Repeated in 4F 

3G What is In and What’s Out: Regulatory Change Management Repeated in 4G 

The only thing known is the unknown. Your biggest compliance challenge is regulatory change. This session will provide a regulatory change roadmap on how to update your program for what stays and what goes. While this won’t be a comprehensive conversation about 1071, CRA Modernization or even 1033, it will be a session managing those changes and others to ensure your overall compliance program is effective and efficient. 

3H Banking as a Service – Delegation or Collaboration? Repeated in 4H 

Banking as a Service can be an opportunity for banks to digitize and modernize. If done well, BaaS benefits can be multifaceted, bringing customers (and revenue streams) to your bank. But how much can you rely on a third party in these partnerships? Join us as we discuss the division of oversight and service responsibilities to manage BaaS relationships in a safe and sound manner. 

3I Electronic Banking and All Things 1033 Repeated in 4I

3J Managing Credit Risk During a Disaster – Part 1 
Assessing the Impact of Disaster on Your Credit Portfolio Repeated in 4J

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. 

Moderator:

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

Speaker:

• 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 Acquiring Minds Want to Know: The M&A DownloadRepeated from 3E 

It’s not business as usual in M&A. In fact, the Acting Comptroller of the Currency recently talked about streamlining the merger application process and how to improve the market share scores. These changes alone could shift the entire merger and acquisition process. From current merger guidelines to the latest initiatives in streamlining the application process, this session will provide a playbook for acquisition readiness.

4F Credit Risks Under the Magnifying Glass: What is the Action Plan?Repeated from 3F 

4G What is In and What’s Out: Regulatory Change ManagementRepeated from 3G 

The only thing known is the unknown. Your biggest compliance challenge is regulatory change. This session will provide a regulatory change roadmap on how to update your program for what stays and what goes. While this won’t be a comprehensive conversation about 1071, CRA Modernization or even 1033, it will be a session managing those changes and others to ensure your overall compliance program is effective and efficient. 

4H Banking as a Service – Delegation or Collaboration?Repeated from 3H 

Banking as a Service can be an opportunity for banks to digitize and modernize. If done well, BaaS benefits can be multifaceted, bringing customers (and revenue streams) to your bank. But how much can you rely on a third party in these partnerships? Join us as we discuss the division of oversight and service responsibilities to manage BaaS relationships in a safe and sound manner. 

4I Electronic Banking and All Things 1033Repeated from 3I

4J Managing Credit Risk During a Disaster – Part 1
Assessing the Impact of Disaster on Your Credit PortfolioRepeated from 3J 

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 for attendees attending these sessions.

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 – 10:00 AM

General Session 3

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 FinTechsRepeated 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 thinking through fourth-parties and most importantly, documenting where the data is stored and how it is protected – there’s a wide range of risks exclusive to FinTechs. This session will explore the various risks presented when partnering with a FinTech. 

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

5E Leveraging AI for Lending and Credit Risk ManagementRepeated in 6E

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

5G Setting Fees with Intention and DocumentationRepeated in 6G 

5H 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 creating 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 FinTechsRepeated 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 thinking through fourth-parties and most importantly, documenting where the data is stored and how it is protected – there’s a wide range of risks exclusive to FinTechs. This session will explore the various risks presented when partnering with a FinTech. 

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

6E Leveraging AI for Lending and Credit Risk ManagementRepeated from 5E

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

6G Setting Fees with Intention and DocumentationRepeated from 5G 

6H 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 creating 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 Don’t Get Schooled on Old School Fraud Methods Repeated in 8A 

7B Risk Conduct: Culture and EthicsRepeated in 8B

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. 

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

7E CECL UpdatesRepeated in 8E 

7F Enterprise Evolution Risk Management ChangeRepeated in 8F 

7G Appraising Your Appraisal Program For Current RisksRepeated in 8G 

7H AI and Algorithmic Compliance RisksRepeated in 8H

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

2:30 PM – 3:30 PM

Dessert Break in The Hub

3:30 PM – 4:45 PM

General Session 4

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, good food, music, conversation and all within a quick walk from the Convention Center. The stadium is covered and fully air conditioned and 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 for attendees attending these sessions.

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 – 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 Don’t Get Schooled on Old School Fraud MethodsRepeated from 7A 

8B Risk Conduct: Culture and EthicsRepeated from 7B

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. 

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

8E CECL UpdatesRepeated from 7E 

8F Enterprise Evolution Risk Management ChangeRepeated from 7F 

8G Appraising Your Appraisal Program For Current RisksRepeated from 7G 

8H AI and Algorithmic Compliance RisksRepeated from 7H

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

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 (Choose from 8-10 sessions)

Learning Labs with Libations

Single Sessions; These sessions will not be recorded

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 Assessing Cyber Risk Post CAT

9C Optimizing the Three Lines of Defense

9D: AI Governance: Mapping Out a Strategy for Today and Tomorrow

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! 

9G Managing Your Compliance Function in the Middle of Responding to a Regulatory Concerns

9H 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 to give you the full update on all that is happening in the mortgage space as well as answer all of your questions. You’ll walk away with actionable updates directly from ABA’s top expert!

Speaker:

• Rod Alba, Senior Vice President, Real Estate Finance, American Bankers Association

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 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