ABA Regulatory Compliance Conference

​June 14-17, 2015 • Washington Marriott Wardman Park Hotel • Washington, DC

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Overview  |  Registration/Fees  |  Program  |  Venue  |  Sponsors/Exhibitors |
Optional Pre-Conference Workshop

Who Should Attend:   
  • Bank Compliance Officers
  • Compliance Risk Managers
  • In-House and Outside Counsel
  • Bank Auditors, Examiners and Regulators
  • Compliance Consultants and Service Providers

ABA Regulatory Compliance Conference 2015:  Advance Program

Below is the schedule for the 2015 conference.  This schedule is subject to change
We advise you to arrange travel which will accommodate attending the entire program. As the program continues to evolve in the next couple of months, speaker travel schedules may necessitate moving sessions to different days/times.  The beginning and ending times of the conference will not change. 
  • This program will be continuously updated with revised titles, session descriptions and speakers during the next two months.  The speakers listed below are not a complete listing, as only confirmed speakers will be published.
  • This program will be reviewed for continuing education credits in early May, 2015 and we will post the credit information soon after.
  • Concurrent Sessions:  We offer multiple options in each of our concurrent session series, many of which are repeated somewhere else in the program.  All seating is open and cannot be reserved in advance
  • This year, we occupy all of the expanded meeting space at the Wardman Park Hotel.  With nine options per concurrent series, many of which are repeated, we anticipate that most attendees will be able to attend all of their desired sessions without difficulty.
  • Our annual Tuesday Night on the Town Event is cancelled for 2015, allowing attendees to individually enjoy the myriad of rich cultural, historic and dining experiences of our Nation's Capital.  The hotel's concierge can assist you with your evening plans.
Sunday, June 14, 2015

8:00 am -
7:30 pm

REGISTRATION OPEN

9:00 am -
9:45 am

NEW ATTENDEE WELCOME (Optional)
Newcomers, don your newcomers badge ribbon and stop this this optional 45 minute newcomers welcome.  Hear tips on maximizing your conference ROI.  This optional welcome briefing is open to all first-time attendees who plan on attending the educational offerings. 
10:00 am -
12:00 pm
  
DEEP DIVE EXPANDED SESSIONS (Four Options)
These sessions are designed to dig deep into a particular topic area.  They will not be repeated.
Deep Dive #1: Operational Risk Impacts on Your Compliance Program: 
A Case Study in Deposit Operations Risk
UDAAP risks hide in the operational areas of banking.  Identifying and mitigating UDAAP risk in operations are essential to a well-functioning compliance program. We will use case studies to discuss how to identify and mitigate UDAAP risks in deposit operations and consider methods to build effective UDAAP risk assessment processes. 
Moderator/Speaker:
Lyn Farrell, CRCM, CAMS, AMLP, Managing Director, Treliant Risk Advisors LLC
Speakers:
Maureen E. Carollo, CRCM, CAMS, Senior Vice President, BSA Officer and Associate Director of Compliance, Bank SNB  
Sandra K. Chapman, CRCM (Sandy), Senior Vice President, Compliance Officer, Busey Bank
Scott Essex, Executive Vice President, Chief Business Compliance Officer, Citizens Financial Group, Inc.
 

Deep Dive #2: Operational Risk Impacts on Your Compliance Program: 
A Case Study in Lending Operations Risk
UDAAP risks are often found in lending operational areas, particularly servicing functions. We will use case studies in this session to discuss how to identify and mitigate UDAAP risks in lending operations.  We will also cover the best ways to build UDAAP risk assessments in lending operations.

Moderator/Speaker:
Jennifer Mazurek, CRCM (Jenn), Senior Vice President and Compliance Manager, Camden National Bank  
Speakers:
Christano A. Andrade, Senior Vice President and Head of Fair Banking, CFG Compliance
Citizens Financial Group, Inc.  
Shelley Metz Galloway, Managing Director, Treliant Risk Advisors
Maggie Weir, CRCM, Vice President, Assistant General Counsel and Chief Compliance Officer, Cambridge Savings Bank
 
Deep Dive #3: Compliance Management Systems:  Does One Size Fit Most?
 
Your Compliance Management System is the framework by which you promote compliance with the laws, rules and regulations that impact the products and services your company offers.  This session will explore the benefits of building a scalable program that fits your company’s compliance culture by addressing roles, responsibilities and accountabilities, as well as discussing strategies for meeting compliance challenges head on.  This session will compare the varying regulatory expectations for a strong CMS and help you determine what the right fit is for building your compliance management system.
 
Moderator:
Sharri L. Logsdon, Compliance Executive, Consumer and Business Regions Financial Corporation  
Confirmed Speakers:
María De Lourdes Jiménez, Esq., Senior Vice President and Manager, Corporate Compliance Director, Corporate Compliance Division, Popular, Inc.
Elizabeth M. Snyder, Associate, Financial Institutions Practice, Plante Moran
 
Deep Dive #4:  Helping the First Line Establish Their Own Controls
Both the 1st and 2nd line have important roles in establishing and maintaining an effective control environment.  Session attendees will recognize control development roles and responsibilities, the 2nd line’s oversight role and the effective challenge it provides, and best practices for assessing control adequacy and coverage.
Confirmed Speakers:
Megan D. Hodge, Chief Compliance Officer, RBC Bank, (Georgia) NA  
 
12:00 pm -
2:00 pm
LUNCH ON YOUR OWN
2:00 pm -
3:15 pm
            
CONCURRENT SESSIONS:  Series #1  (Nine Options)
1A:  More Than Just Getting the New HMDA Changes Right Repeated in 2A
This session will discuss your strategic HMDA thinking, define the new data elements, and discuss a process to minimize the impact on your current processes and procedures.  Our expert panel will provide you with valuable information, ideas, and tips on how to prepare seamlessly for the new requirements without skipping a beat.
Moderator:
Jennifer Mazurek, CRCM (Jenn),
Senior Vice President and Compliance Manager, Camden National Bank  
 
Confirmed Speakers:
David A. Dickinson, President, Banker's Compliance Consulting
Rick Freer, Senior Director, Exam and Compliance Programs, ABA Center for Regulatory Compliance, American Bankers Association
Mark Kruhm, Senior Analyst, Compliance, ABA Center for Regulatory Compliance, American Bankers Association
1B: UDAAP Governance Repeated in 2B
Cooking up a strong UDAAP governance program is a necessity in today’s regulatory caldron.  In this session, we’ll look at some of the key ingredients that should be simmering in your compliance kettle and provide helpful recipes and tips to set you up for a successful gourmet experience:  policies and procedures; tools and resources; risk assessment; change management.
Moderator/Speaker:
Meg Sczyrba, CRCM
. Program Administrator, Regulatory Risk Management, Wells Fargo & Company
Confirmed Speakers:
Michael D. Maher, CRCM, Executive Vice President, Consumer Lending, Cross Group Compliance, Wells Fargo & Company 
Kara Tucker, JD, UDAAP, Privacy, and Complaints Team Lead, Regulatory Compliance, BankUnited, N.A
1C: FCRA:  New Focus For Banks  Repeated in 2F
While FCRA law has not changed in recent years, the focus on certain provisions has. Areas impacting banks relate to their roles as users of consumer reports and furnishers of information. This program will enlighten you about the impact on banks of the New York AG’s agreement with the CRAs and of the CRA’s annual data submission to the Bureau, and other topical issues.
 
Moderator/Speaker:
Nessa Feddis, Senior Vice President and Deputy Chief Counsel  Consumer Protection and Payments, Center for Regulatory Compliance, American Bankers Association

Speaker:
Kim C. Oliver, Senior Vice President, Chief Compliance Officer, Equifax INC

1D: What's Hot and What's Not in AML  Repeated in 2D
Seasoned experts will provide you with a comprehensive overview of recent enforcement actions, pending regulatory proposals and leading edge information related to virtual currencies.  This must-see session will provide you with the information you need as you constantly refocus your AML program efforts.

Moderator/Speaker: 
John J. Byrne, CAMS, Executive Vice President, Association of Certified Anti-Money Laundering Specialists (ACAMS)
Confirmed Speakers:
Peter J. Neilson, CAMS, Managing Director, Anti-Money Laundering Compliance, JPMorgan Chase Bank
Brian J. Wimpling, Senior Vice President, Corporate Compliance-BSA, Capital City Bank
1E: Big Data and Compliance - Large Banks  Single Session
- Session for Small Banks can be found in 3D
What is big data? How are banks using it and what risks are associated with it? This session will demystify big data by defining what it is and what it is not, describe how large banks are leveraging internal and external data to make decisions and identify potential risks, and explain common pitfalls to avoid.
1F:  Payments: Connecting the Compliance Dots in a Spirograph World Repeated in 3F
The payments world is full of complexity and continues to change at lightning speed.  These shiny new products and delivery channels must still co-exist with those grizzled old compliance rules you know and love.  Our seasoned experts will help you make the connection between the old and the new.
Confirmed Speakers:
Erin Fonte, Shareholder, Cox Smith
1G: Lotteries and Contests and Sweepstakes—Oh My!  Repeated in 2G
Are you afraid to walk down the yellow brick road of lotteries, contests, rewards programs and sweepstakes? Learn the differences between a lottery and sweepstakes, how to design a campaign where giveaways and rewards are provided to customers, your IRS responsibilities  and how to effectively use third parties to administer results.  You will walk away with the courage of a lion. 
Moderator:
Christopher T. Spellman, CRCM, Senior Vice President and Corporate Compliance Director, Heartland Financial USA, Inc.
Speakers:
Charles Lewis, CRCM, Vice President Compliance Services, Missouri Bankers Association
Ronette Schlatter, CRCM, Senior Compliance Coordinator, Iowa Bankers Association

1H: Beyond the Law:  Identifying and Articulating Compliance Expectations of Regulators Today Repeated in 2H
Compliance professionals today must go beyond the written regulations.  Right or wrong, Consent Orders, press releases, speeches by high (or low) ranking officials, and even rumored investigations all offer insights into policy extensions you are expected to know.  Learn about extrapolating future regulatory action from these sources and how to explain these nuances to business people.

Moderator/Speaker:
Brian S. Levy
, Counsel, Katten & Temple LLP
 
Confirmed Speakers:
Lucy H. Griffin, President, Compliance Resources Incorporated  
Bonita G. Jones, President, Bonita Jones & Associates, LLC
1I:  Mortgage Servicing: Lessons Learned from 1.0 and Preparing for 2.0   Repeated in 2I
Mortgage Servicing continues to evolve from a back office function into a highly-regulated industry, in which compliance risk is a key focus. We will explain what can be learned from recent enforcement actions, and we will identify the key issues to monitor in the new proposal.
Moderator:
Sandra K. Chapman, CRCM (Sandy), Senior Vice President, Compliance Officer, Busey Bank
Speakers:
Regina M. Lawrence, CRCM, Senior Vice President| Corporate Compliance Director
Krista Shonk, Vice President, Mortgage Finance, Senior Regulatory Counsel, American Bankers Association
3:15 pm -
3:30 pm
Travel to Next Session
3:30 pm -
4:45 pm
                
CONCURRENT SESSIONS:  Series #2 (Nine Options)
2A: More Than Just Getting the New HMDA Changes Right  Repeated from 1A
2B: UDAAP Governance Repeated from 1B

2C: Untested Waters – Personal Liability for Compliance Officers Repeated in 5C
In light of two recent cases holding chief compliance officers personally liable for their companies’ anti-money laundering and BSA compliance failures, concerned compliance folks need to know the facts of the cases, practical steps to take to mitigate that risk, and how insurance may provide a source of defense and funding.  Join our panelists as they discuss the Moneygram and Brown Brothers cases and other enforcement approaches being used to hold compliance chiefs’ feet to the fire as well as provide thoughts on risk mitigation. 

Moderator/Speaker:
Dawn Causey, CRCM, General Counsel, American Bankers Association
Speakers:
Adam D. Cornett, Senior Attorney, ABA Insurance Services
Maggie Weir, CRCM, Vice President, Assistant General Counsel and Chief Compliance Officer, Cambridge Savings Bank
 
2D: What's Hot and What's Not in AML  Repeated from 1D

2E: Complaint Management  2.0: 
Now That You Have a Program, How Do You Optimize It? 
Repeated in 4E
Complaint data is a rich source of information about your compliance program, business processes and your products and services.  In this session we will discuss how to maximize complaint collection to include oral complaints, social media information and branch information; how complaint information can be used to identify and address deficiencies (training, risk assessments, monitoring, etc.) and how they can be used to strengthen businesses processes in the second line of defense and create meaningful KRIs and metrics within the organization.

Moderator/Speaker:
Mark Westmoreland, Principal, Treliant Risk Advisors
 
Confirmed Speakers:
William  Askew, Senior Executive Vice President, Strategic Execution and Service Quality, Regions Bank
Nitish Pandey, Chief Compliance Officer, Personal and Commercial, U.S., BMO Financial Group
Tammy Sawyel, Vice President, Chief Compliance Officer, First Bank Financial Centre

2F:   FCRA:  New Focus For Banks Repeated from 1C

2G: Lotteries and Contests and Sweepstakes—Oh My! Repeated from 1G
2H: Beyond the Law:  Identifying and Articulating Compliance Expectations of Regulators Today Repeated from 1H
​2I: Mortgage Servicing: Lessons Learned from 1.0 and Preparing for 2.0  Repeated from 1I
4:45 pm -
5:00 pm
Travel to Next Session
5:00 pm -
6:15 pm
GENERAL SESSION:  
Lining Up Your Lines of Defense
Four experienced CCOs from large and small institutions will discuss the role of compliance and its relationship to the first line of defense and the third line of defense.  We will discover how different organizations with different structures and cultures have made these relationships work.  From evolving roles and responsibilities, governance, the development of business processes and KRIs, testing roles and ownership are some of what we will cover in this must-see session. 
Moderator:
Ryan Rasske, Senior Vice President, Risk and Compliance, American Bankers Association
 
Confirmed Speakers:
Cara C. James, CRCM, Senior Vice President and Director of Compliance, Arvest Bank
Kathryn S. Reimann, Chief Compliance Officer & Managing Director, Citigroup, Inc.  
Gillian Van Schaick, US Head of Regulatory Compliance, HSBC
Bill Tucker, CRCM, Director of Compliance and Operational Risk Management, State Bank & Trust Company
 
 
6:15 pm -
7:30 pm
Opening Reception in the Marketplace
-Reception Sponsored by:  Corporation for American Banking
 
Monday, June 15, 2015
7:30 am -
6:30 pm
REGISTRATION OPEN
7:30 am -
8:30 am
POWER BREAKFAST SESSIONS (Three Options)
8:00 am -
8:30 am
CONTINENTAL BREAKFAST IN THE MARKETPLACE
8:30 am -
8:45 am
Travel to Next Session
8:45 am -
10:15 am
GENERAL SESSION: 
TILA-RESPA Integrated Disclosure Rule: Count Down To August 1
We know the regulation.  We know the deadline.  The question is – how are banks handling the intricacies of the new TILA/RESPA integration?  This session will walk through operational pain points and provide views and recommendations for resolving issues.  We’ll also discuss communication with title companies/servicers as well as what you should be discussing with compliance vendors at this juncture.
Moderator/Speaker:
Rod Alba
, Senior Vice President, Real Estate Finance/Senior Regulatory Counsel
American Bankers Association
Confirmed Speakers:
Bruce W. Schultz
, Senior Vice President, Mortgage, SpiritBank
Joshua Weinberg, Senior Vice President, Compliance, First Choice Bank  
10:15 am -
10:45 am
COFFEE BREAK IN THE MARKETPLACE
10:45 am-
12:00 pm
CONCURRENT SESSIONS:  Series #3 (Seven Options)
3A: Strengthening Your Lines of Defense Repeated in 4A
Sunday, we heard how different organizations manage compliance governance. In this session, we’ll drill-down and discuss the specifics of compliance’s role as the second line, how compliance policy and governance should be divided between the first and second line and how quality control monitoring, compliance testing and monitoring can successfully be apportioned between all three lines of defense.  We’ll also discuss reporting structures and responsibilities between the three lines and the key metrics involved
Moderator:
Lyn Farrell, CRCM, CAMS, AMLP, Managing Director, Treliant Risk Advisors LLC
Confirmed Speakers:
Ron DiGiacomo, Deputy Chief Compliance Officer, Consumer, Wells Fargo
Tina M. Shaver, CRCM, Chief Compliance Officer, FirstMerit Bank, NA  
Bill Tucker, CRCM, Director of Compliance and Operational Risk Management, State Bank & Trust Company
3B:  Reconsidering Your QM/ATR Processes for Efficiency and Production Repeated in 4B
QM/ATR is over a year old so it’s time to reexamine roles and responsibilities. We’ll discuss QM/ATR related efficiencies and opportunities such as:  loan product design and marketing; monitoring; educating customers, loan originators and regulators; compliance, documentation and repurchase risks. We’ll also discuss implications of the CFPB 2016 revised definitions of rural and small creditors.
 
Confirmed Speakers:
Bruce W. Schultz, Senior Vice President, Mortgage, SpiritBank
3C:  Implications of Dot Bank for Compliance Repeated in 4D
3D: Big Data and Compliance - Small Banks Single Session 
- Session for Large Banks can be found in 1E
Small banks and big data – an oxymoron or a reality? This session will demystify big data by defining what it is and what it is not, describe how small banks are leveraging internal and external data to make decisions and identify potential risks, and explain common pitfalls to avoid.
3E: Effective Control Testing and Monitoring  Repeated in 5E
Control testing and monitoring is essential when managing compliance risk. This session will describe control testing and monitoring expectations and control testing program elements, explain how to design and execute a control design test, and identify best practices for identifying and responding to potential regulatory violations.
Moderator:
Sterling W. Hening, CRCM, Vice President, Compliance, Capital One
Confirmed Speakers:
Megan D. Hodge, Chief Compliance Officer, RBC Bank, (Georgia) NA  
Ellen C. Rullman, CAMS, CIA, CRCM, Director – Testing and Validation, Corporate Compliance, Capital One

3F:  Payments: Connecting the Compliance Dots in a Spirograph World Repeated from 1F

3G: Threat Finance:  New Ways to Detect Threats to Our Financial System  Repeated in 4G
Disrupting and preventing the flow of funds to and from criminal and terrorist organizations and their operatives is a fundamental strategy of law-enforcement.  In this cutting-edge session, our panel will describe fundraising sources and potential “red flags” for the identification and detection of potential illegal activity.  Our panel will also talk about proactive strategies that can assist your staff in anticipating changes in criminal behavior as activity evolves and changes.
Confirmed Speakers:
Dennis M. Lormel, President and CEO, DML Associates, Landsdowne, VA
Chip Poncy, Co-Founder, Financial Integrity Network, Fairfax, Virginia
Anna M. Rentschler, CRCM, CAMS, Vice President and BSA Officer, Central Bancompany
 
3H: Banking Members of the Armed Forces (Repeated in 5B) 
Members of the armed forces and their families are granted special considerations and protections under the Servicemembers Civil Relief Act (SCRA) and the Military Lending Act (MLA). After this session, you’ll know about current SCRA compliance issues, what’s on the horizon under the MLA, and how to meet the needs of service members and their families.
Confirmed Speakers:
Nessa Feddis, Senior Vice President and Deputy Chief Counsel  Consumer Protection and Payments, Center for Regulatory Compliance, Center for Regulatory Compliance, American Bankers Association
Robert G. Rowe (Rob), III, Vice President/Associate Chief Counsel, Center for Regulatory Compliance, American Bankers Association
Jerry Quinn, Military & Veteran Segment Manager, Wells Fargo Bank, N.A.
​3I:  E-Sign Compliance Throughout the Account Life Cycle Repeated fin 4I
Just as the digital world has invaded every part of our lives, so has e-sign, which is now part of every aspect in the account lifecycle.  We will identify the full range of considerations that you need to ensure your account lifecycle is ESIGN compliant including: account opening, e-statements, notifications, change in terms notices, appraisals, disclosures and more.
 
Moderator:
Christopher T. Spellman, CRCM, Senior Vice President and Corporate Compliance Director, Heartland Financial USA, Inc.
Confirmed Speakers:
Rebecca Conner, Senior Vice President– Director of Operational Administration, Lakeside Operations Center, Texas Capital Bank
John Podvin, Partner, Bieging, Shapiro & Barber, LLC
12:00 pm -
1:45 pm
SEATED LUNCHEON WITH SPEAKER
Don’t Play Musical Chairs at the Executive Table: 
Executive Skills You Need to Keep Your Seat When the Music Stops
Featuring: 
Chuck Lewis, CRCM
, Vice President Compliance Services, Missouri Bankers Association
1:45 pm -
2:30 pm
DESSERT BREAK IN THE MARKETPLACE 
2:30 pm - 
3:45 pm
 
CONCURRENT SESSIONS: Series #4 (Nine Options)
4A: Strengthening Your Lines of Defense  Repeated from 3A

4B: Reconsidering Your QM/ATR Processes for Efficiency and Production 
Repeated from 3B

4C:  Your Regulatory Relationships:  Are You Going Steady or Just Friends?  
Repeated in 6C
In today's regulatory climate of heightened expectations, it is essential that you foster a strong relationship with your examiners.  This session will offer viewpoints from both the bank and regulatory side and offer recommendations for creating and maintaining a “steady” relationship.
 
Moderator/Speaker:
Jeffrey A. Asher, CRCM, CAMS, Senior Vice President, FirstBank Holding Company

Confirmed Speakers:
Timothy R. Burniston,
Executive Vice President, Wolters Kluwer Financial Services
Maggie Weir, CRCM, Vice President, Assistant General Counsel and Chief Compliance Officer, Cambridge Savings Bank
4D:  Implications of Dot Bank for Compliance  Repeated from 3C
4E: Complaint Management  2.0:  Now That You Have a Program, How Do You Optimize It? Repeated from 2E
4F: Keeping Your Eye on Commercial Lending Compliance  Repeated in 5F
With all of the focus on consumer protection, it's easy to miss the latest regulatory concerns surrounding commercial lending. From applications to appraisal requirements to HMDA and CRA issues - we'll update you on the current regulatory concerns and provide tips and tools that will keep you updated and compliant.
Moderator:
Christopher T. Spellman, CRCM, Senior Vice President and Corporate Compliance Director, Heartland Financial USA, Inc.
Confirmed Speakers:
Patti J. Blenden, CPA, President, Financial Solutions for Growing Companies, Inc.
Thomas J. Healy, CRCM, Chief Compliance Officer, Ally Bank
4G: Threat Finance:  New Ways to Detect Threats to Our Financial System  Repeated from 3G
4H: Life Cycle of Fair Lending Repeated in 5I
An expert panel of fair lending practitioners will guide you through the fair lending life cycle from pre-application activities through mitigation practices.  The discussion will help you identify risks, will explore related regulations and activities, and outline how to monitor compliance with fair lending principles.
 
Moderator/Speaker:
Cara C. James, CRCM, Senior Vice President and Director of Compliance, Arvest Bank

Confirmed Speakers:
Irene Fang, Director, Strategic Analytics and Reporting, Regulatory Compliance Risk Management, Wells Fargo and Company, Inc
Andrew L. Sandler, Esq., Chairman and Executive Partner, BuckleySandler LLP
4I: E-Sign Compliance Throughout the Account Life Cycle Repeated from 3I
3:45 pm -
4:00 pm
Travel to Next Session
4:00 pm - 
5:15 pm
      
CONCURRENT SESSIONS: Series #5 (Nine Options)
5A: Next Gen Marketing: Bunnies, Boarders, Bathroom Breaks and Banks? 
Repeated in 7C
In this session, a veteran bank marketer will demonstrate and discuss pitfalls of the innovative methods and channels currently being used to promote banks and bank products including social media.  In turn, a compliance expert will provide compliance considerations and solutions surrounding these next generation marketing techniques.
Moderator:
Jeffrey A. Asher, CRCM CAMS, Senior Vice President, FirstBank Holding Company
 
Confirmed Speakers:
Brian Jensen, Senior Vice President – Marketing, FirstBank Support Services
Kyle Miller, CRCM, Vice President, Compliance Manager, Umpqua Bank
5B: Banking Members of the Armed Forces  (Repeated from 3H)
5C: Untested Waters – Personal Liability for Compliance Officers  Repeated  from 2C
5D: Incident Response Concerns for Community Bank Compliance Officers  Repeated in 6F
We’ve all heard recent news stories about DDoS attacks, Fraudulent Tax Refunds, Computer Hacking, Social Engineering, Retailer breaches—but how do those events affect Compliance? In this session, you will hear about the latest trends in Cyber and Physical Security incidents and why Compliance Officers should be an integral part of your institution’s response efforts. 
Moderator:
Nicole R. Peoples, CRCM, Senior Vice President, Central Bank of the Midwest 

Confirmed Speakers:
David J. Ackley Jr., Senior Vice President, Senior Information and Corporate Security Officer, Camden National Bank
LeAnne Bailey Staalenburg, CISSP CRCM, Senior Vice President, Security Administration, Capital City Bank
 
5E:  Effective Control Testing and Monitoring  Repeated from 3E
5F:  Keeping Your Eye on Commercial Lending Compliance  Repeated from 4F
5G: Managing Deposit Account Access Risk Repeated in 6H
Deposit account access issues are nothing new, so it’s no surprise the CFPB is studying them in conjunction with overdrafts and consumer reporting. In this session, we’ll discuss options and screening tools to manage risk – help you understand specialty credit reporting agencies and explore issues presented by providing access to full-service vs. “safe” accounts.
Moderator:
Virginia O'Neill, Senior Vice President, Center for Regulatory Compliance, American Bankers Association
Speakers:
Erik Stein, Vice President, Authentication Solutions, Early Warning Services LLC
Gary Stein, Deposits Markets Program Manager, Office of Deposits, Liquidity Lending, and Reporting Markets, Consumer Financial Protection Bureau
5H: Mortgage Compliance:  Why Do I Always Feel Like I Am Missing Something?
Repeated in 7H
Mortgage origination regulations are an overlapping minefield for the Compliance Officer.  Solving for one regulatory challenge can violate another.  This panel will help you put it all together to navigate key overlapping regulations such as MLO compensation, QM/ATR, NMLS licensing, RESPA and affiliate sharing rules in the context of business relationships like  brokering, mini-correspondent structures, internal referrals, warehouse lending, desk leases, marketing service agreements, and more.
 
Moderator:
Rod Alba, Vice President and Senior Regulatory Counsel, Office of Mortgage Finance, Risk Management and Public Policy, American Bankers Association, Washington, DC
Speakers:
Brian S. Levy, Counsel, Katten & Temple, LLP
Loretta Salzano, Founding Partner, Franzén and Salzano, P.C.
5I: Life Cycle of Fair Lending  Repeated from 4H
5:15 pm -
6:15 pm
RECEPTION IN THE MARKETPLACE

Tuesday, June 16, 2015
7:00 am -
6:00 pm
REGISTRATION OPEN
7:15 am -
8:15 am
POWER BREAKFAST SESSIONS (Three Options)
 
7:45 am -
8:15 am
CONTINENTAL BREAKFAST IN THE MARKETPLACE
8:15 am -
8:30 am
Travel to Next Session
8:30 am -
10:00 am
GENERAL SESSION:
The Next Generation of Payments Concerns
It is no longer acceptable to take a “wait and see” approach when it comes to understanding the rapidly evolving payments options.  As compliance officers, it is essential you know the full range of payments possibilities now, so you can be an active participant in technology adoption discussions.  Experts will discuss the next generation of payments including mobile, P to P, virtual, digital wallets and more.
Confirmed Speakers:
Erin Fonte, Shareholder, Cox Smith
10:00 am - 
10:30 am
COFFEE BREAK IN THE MARKETPLACE
10:30 am - 
11:45 am
   
CONCURRENT SESSIONS: Series #6 (Nine Options)
6A: Partners in Preventing Senior Financial Abuse and Exploitation   Repeated in 7A
For the next 18 years, boomers will be turning 65 at a rate of one every 8 seconds and the “Silver Tsunami” already represents a growing share of the American population. Experts will walk through issues and trends in identifying and preventing senior financial abuse and exploitation.  You will also receive an update on SAR reporting, interagency guidance and you will hear strategies for consumer education and frontline training.
 
Moderator:
Corey Carlisle, Senior Vice President, Bank Community Engagement, American Bankers Association

Confirmed Speaker:
Paul R. Osborne, CPA, CPO, AMLP Partner, Crowe Horwath LLP
6B: Flood Insurance: Where Are We Now and Where Are We Going - Take 2 
Repeated in 7B
This session will provide the latest news on the Biggert-Waters Act and Homeowners Flood Insurance Affordability Act; focusing on implementing leading practices where the laws have yet to be finalized or require clarification. We will also revisit perennial compliance challenges, including current supervisory expectations for calculating “insurable value” and contents coverage.
 
Moderator/Speaker:
Moderator:
Nicole R. Peoples, CRCM, Senior Vice President, Central Bank of the Midwest 

Speakers:
Virginia O'Neill, Senior Vice President, Center for Regulatory Compliance, American Bankers Association
Randall B. Reed, Assistant General Counsel, Wells Fargo Law Department, Wells Fargo
Rich Slevin, Senior Territory Training Manager-Chicago (IA, IL, IN, KY, MI, MN, OH, TN & WI), National Flood Insurance Program (NFIP) Training, H2O Partners, Inc.
 

6C: Managing Regulatory Relationships:  Whose Exam is it Anyway?  Repeated from 4C

6D: High Risk Customers:  Love 'Em or Leave 'Em?   Repeated in 7D
Identification of high-risk customers and mitigating their risk is an important pillar to your AML program.  In this session, we’ll discuss the impact of new beneficial ownership rules on your due diligence process; potential pitfalls to derisking customers and provide some tools for analyzing your customer.  
Moderator/Speaker:
Robert G. Rowe (Rob), III, Vice President/Associate Chief Counsel, Regulatory Compliance, American Bankers Association

Confirmed Speakers:
Anna M. Rentschler, CRCM, CAMS, Vice President and BSA Officer, Central Bancompany
Christopher D. Simpkins, CAMS, BSA and OFAC Officer, Arvest Bank  
Daniel D. Soto, CAMS, Chief Compliance Officer, Ally Financial  
 

6E: It’s My Third-Party, I Can Cry if I Want To…   Repeated in 7E
This session will highlight key regulatory expectations banks must meet and explore evolving practices for effective due diligence, contract considerations, and ongoing oversight of third-party service providers  to minimize risk exposure. Attendees will take away an understanding of the need for differing risk approaches as well as emerging issues.

Confirmed Speakers:
Thomas W. Grundy, CRCM
, Senior Regulatory Consultant, Wolters Kluwer Financial Services
Stuart J. Lehr, CRCM, Head of Global Regulatory Compliance, Finnacle, Infosys Limited  
6F: Incident Response Concerns for Compliance Officers  Repeated from 5D
6G:   Fair Lending and Data Analytics: You Do Not Have to Be a Statistics Expert to Get It Right (Repeated in 7F)
Financial institutions have significant amounts of data available to use in monitoring compliance with the various fair lending and UDAAP laws and regulations. Statistical analysis is one tool you can use to help in your efforts to ensure compliance. However, you may be asking is it the best choice for my institution? Our panel of experts will address this question and discuss the mechanics of both manual and statistical reviews, basic facts you need to know when deciding which method to use, importance of manual and statistical process protocols, and help you easily understand how to use statistical tools in your compliance management and monitoring efforts.
Moderator:
Rick Freer, Senior Director, Exam and Compliance Programs, ABA Center for Regulatory Compliance, American Bankers Association, Washington, DC
 
Confirmed Speakers:
Mark K Brown, Senior Fair Lending Retail Risk Manager, Five Star Bank
Arthur R. Preiss (Rick), President, Preiss & Associates, LLC  
Carl G. Pry, Managing Director, Treliant Risk Advisors
 
6H: Managing Deposit Account Access Risk Repeated from 5G
6I:  Privacy 2.0: When Privacy and Information Security Collide   Repeated in 7I
As organizations continue to transform business strategy, develop new products and services, and utilize innovative technologies, the synergy between privacy and security concerns are increasingly raised.  This session will walk through how privacy and information security should interact and the benefits of a strong relationship between the two.  We’ll also take a look at what we believe is the evolving role of the Privacy/Information Security Officer.
Confirmed Speakers:
Natalie Christine Buck, Director, Treliant Risk Advisors
Agnes Bundy Scanlan, Regional Director, Northeast Region, Consumer Financial Protection Bureau
11:45 am -
1:15 pm
BUFFET LUNCH IN THE MARKETPLACE
1:15 pm -
2:30 pm
               
CONCURRENT SESSIONS: Series #7 (Nine Options)
7A: Partners in Preventing Senior Financial Abuse and Exploitation   Repeated from 6A 
7B: Flood Insurance: Where Are We Now and Where Are We Going-Take 2 
Repeated from 6B
7C: Next Gen Marketing: Bunnies, Boarders, Bathroom Breaks and Banks?  Repeated from 5A
7D: High Risk Customers:  Love 'Em or Leave 'Em? Repeated from 6D
7E: It’s My Third-Party, I Can Cry if I Want To…  Repeated from 6E
7F:  Fair Lending and Data Analytics: You Do Not Have to Be a Statistics Expert to Get It Right Repeated from 6G
7G: Seeking the Virtuous Banker – Matching Ethical Behavior and High Performance on the Same Balance Sheet Single Session
Is a value driven culture compatible with a high performing bank?  Our panelists think so and encourage you to join the discussion as they examine the pitfalls of daily life that raise ethical issues and systemic structures that may provide a more encouraging framework for a value based work environment.

Moderator/Speaker:
Dawn Causey, CRCM, General Counsel, American Bankers Association
Speaker:
Maggie Weir, CRCM, Vice President, Assistant General Counsel and Chief Compliance Officer, Cambridge Savings Bank

7H: Mortgage Compliance:  Why Do I Always Feel Like I Am Missing Something?
Repeated from 5H

​7I:   Privacy 2.0: When Privacy and Information Security Collide  Repeated from 6I
2:30 pm -
3:30 pm
DESSERT BREAK IN THE MARKETPLACE
3:30 pm -
5:00 pm
         
CONCURRENT SESSIONS: Series #8 
PEER EXCHANGE SESSIONS
A session designed by you and your peers!
5:00 pm -
6:15 pm

CRCM RECEPTION
-CRCMs only


Wednesday, June 17, 2015
7:00 am -
12:30 pm
REGISTRATION OPEN
7:00 am -
8:00 am
POWER BREAKFAST SESSIONS (Three Options)

#1 and #2:  To be determined.


#3:  CRCM Information Session
-Sponsored by:  Institute of Certified Bankers
Join representatives from the ABA’s Institute of Certified Bankers as they walk you through an overview of the certification process and how to best prepare for the CRCM exam.
7:30 am -
8:00 am
CONTINENTAL BREAKFAST
8:00 am -
8:15 am
Travel to Next Session
8:15 am -
9:30 am
GENERAL SESSION
Regulatory Roundtable
Senior Representatives from all banking supervisory agencies will discuss the latest exam concerns, guidance and what's on the horizon.
Confirmed Speakers:
Eric S. Belsky, Director, Division of Consumer and Community Affairs, Board of Governors of the Federal Reserve
Grovetta N. Gardineer, Deputy Comptroller for Compliance Policy, Office of the Comptroller of the Currency
Mark Pearce, Director, Division of Depositor and Consumer Protection, Federal Deposit Insurance Corporation
Representative from the CFPB
 
9:30 am -
9:45 am
Travel to Next Session
9:45 am -
11:00 am

REGULATOR TOWN HALL SESSIONS - Series 9 (Four Options)
This is your annual opportunity to meet directly with your supervisors in their own session.   Time permitting, regulators will do their best to address all questions submitted prior to this session. 

These sessions are open to the press, however, no press questions will be accepted.  This session is considered “off the record” for background purposes only.

Regulator Town Hall: CFPB


Regulator Town Hall:
 OCC

Regulator Town Hall: FDIC

Regulator Town Hall: FRB

11:00 am -
11:15 am
Travel to Next Session
11:15 am -
12:15 pm
GENERAL SESSION:
What to Tell Your CEO When You Return Home
How will you summarize four days' worth of learning into a presentation to your senior management and board?  Don’t miss ABA’s Regulatory Relations Staff’s comprehensive overview of the critical takeaways from the conference.  They will also update you on late breaking developments that weren’t covered in conference sessions.
12:15 pm CONFERENCE ADJOURNS

 

Registration Questions? Please contact Daisy Johnson.
Program Questions? Please contact Dorothy Friedlander for more information.