Dive #1:  Complaint Management - CFPB Regulated Institutions
Handling complaints is a major undertaking for a large institution.  The CFPB expects that consumer complaints will be promptly and fairly handled in the context of a comprehensive complaint management program.  We will have experts from large institutions discuss the components of an effective complaints management program, including: 

• The population of complaints collected, analyzed and reported;
• The issues surrounding complaint escalation;
• The definition of “complaint”;
• How best to implement a root cause analysis process;
• How to review complaints for “fairness factors”;
• The relationship of complaint management to corrective action—is the business held accountable for changes and remediation surfaced by complaints; 
• Complaint trending and reporting.

Moderator:
Michael Dosedel, Senior Vice President and Wells Fargo Home Mortgage Compliance Manager, Wells Fargo Home Mortgage
Speakers:
Mary A. Clouthier, Senior Audit Manager, Compliance and Operational Risk Audit Team, Wells Fargo Audit Services
Lyn Farrell, CRCM, CAMS, AMLP, Managing Director, Treliant Risk Advisors LLC
Nitish A. Pandey, Deputy Chief Compliance Officer, American Express Centurion Bank

• Complaints vs. inquiries; 
• Complaint channels; 
• Social media and the internet – what to monitor; 
• Tools for gathering complaints;
• Tools for tracking, trending, and reporting;
• Responding to negative trends and more.

1A: Flood Insurance: Now and Beyond (Repeated in 2A)
Last year, President Obama signed into law the Biggert-Waters Flood Insurance Reform Act of 2012.  This legislation will bring significant changes to the National Flood Insurance Program and bank compliance with the mandatory purchase requirement.  We’ll discuss what has changed and what’s in store for the future, and we’ll share the latest news on regulatory implementation.  Meanwhile we still have to work with the rules as they are today and we’ll discuss common challenges such as insurable value, zone discrepancies, loan purchases and workouts.  We will also provide time for audience Q&As.

Moderator:
Marcia Geike, Vice President & Compliance Officer, Home State Bank
Speakers:
Joel T. Palmer, Assistant Deputy Comptroller, Office of the Comptroller of the Currency, Atlanta Field Office - Midtown
Rich Slevin, Senior Territory Training Manager National Flood Insurance Program (NFIP) Training
Virginia O'Neill, Senior Counsel, Center for Regulatory Compliance, American Bankers Association

1B: Managing the Evolving Compliance Risk for Small Banks – The Impact of Incorporating other Risk Assessments (from UDAAP to BSA/AML) to Current Methodologies (Repeated in 3C)

A strong risk assessment process is a must for all banks. In this session, we’ll look at the evolving challenges and demonstrate how smaller banks can make the most of their risk assessment process by consolidating information from various risk assessments into one cohesive view of compliance risk in your organization. We’ll explain how incorporating other risk assessments from UDAAP to BSA/AML views into your risk assessment methodology will create a 3-dimensional view, the next stage of compliance risk analysis needed by your organization.

Moderator/Speaker:
Elizabeth M. Snyder, CRCM, Senior Vice President Compliance and Risk Management, Illinois Bankers Association
Speakers:
Ana M Foster, CRCM, Vice President, Risk/Compliance, Cambridge Trust Company
Ann Marie Tarantino, CRCM, CRP, AMLP, Vice President/Chief Compliance Officer and Risk Officer, The First National Bank of Long Island

1C:  Managing the Evolving Compliance Risk for Large Banks – The Impact of Incorporating other Risk Assessments (from UDAAP to BSA/AML) to Current Methodologies (Repeated in 3D)

1D:    New Expectations For Customer Due Diligence (Repeated in 2C)
Over the past year FinCEN has proposed and refined its expectations regarding Customer Due Diligence, including Beneficial Ownership, for financial institutions of all sizes.  This session is designed to bring what these expectations mean to your financial institution, how to implement and incorporate them into your Anti-Money Laundering program.

Moderator/Speaker:
Debra Geister, Senior Vice President, AML and Fraud, MetaBank
Speakers:
John H. Atkinson, Director, Regulatory Risk Consulting, Protiviti Inc.
Aaron Borst, Director of Surveillance, AML Compliance, Capital One

• What does a "Strong" audit program look like?
• How do you develop a risk-based test plan that covers your bases?
• Learn about different types of audits and when they are appropriate to use (assurance audit, internal control audit, project audit, etc.)
• What is Audit’s role in testing corrective action to meet enforcement action requirements?
• What do you do when audit deficiencies end up in the Exam report? 
• What does it mean to be independent?  How much can audit participate in new product launches, vendor reviews, development of new processes, etc.?  For smaller banks, can the auditor be in the business unit and still be independent?
• What are the characteristics of a good auditor?  What do you look for in talent?  What can you do to help decrease one of Audit’s biggest issues….turnover?

Moderator/Speaker:
Mary Clouthier, Senior Audit Manager, Compliance and Operational Risk Audit Team, Wells Fargo Audit Services
Speaker:
Paul R. Osborne, CPA, Partner, Crowe Horwath LLP

1G: Talking to Customers: Phone Calls, Texting and Email Best Practices
(Repeated in 2F)
Contacting customers and clients is constantly changing—from phones, faxes, email, texts, instant messaging the methods of communication are also evolving.  The list of laws and regulations has also grown—Do Not Call, Can Spam, COPA, TCPA.  In this session we will explore the regulations that apply to contacting your customers, marketing to potential clients, the best practices surrounding this topic and some hot buttons and tools that you can implement when you get back to your institution. 

Moderator:
Forrest F. Stanley, Deputy General Counsel, Key Bank National Association
Speakers:
Cynthia N. Jon-Ubabuco, Assistant  General Counsel, Enterprise Privacy, Bank of America
Charles H. Kennedy, Partner, Wilkinson Barker Knauer, LLP
John Tallarico, Vice President, Product Management, SoundBite Communications

1H: Pre-Paid Compliance (Repeated in 2G)
Prepaid Products have experienced huge growth in the past several years and has become more mainstream and competitive in Financial Services.  If you bank manages a pre-paid portfolio or even if you are thinking about offering a product , how do you manage the compliance risk?  What are the current hot topics in Prepaid Compliance?  Should you venture into this new frontier? What should you know about the current compliance landscape?  In this session we will discuss the current issues facing prepaid today in both national and state legislation and our panel of experts will discuss what lies ahead for the Prepaid Markets.

Speakers:
John Hagy, Chief Legal Officer, Metabank
James H. Freis, Counsel, Cleary Gottlieb Steen & Hamilton LLP
Deborah S. Thoren-Peden, Partner, Pillsbury Winthrop Shaw Pittman LLP

2A: Flood Insurance (Repeated from 1A)

2B: Consumer Compliance in Commercial Lending (Repeated in 3H)
Focus is shifting from loan quality and loan underwriting to compliance related issues in the Commercial Loan Division.  This session will provide background on some of the compliance responsibilities that commercial loan officers face (flood, foreclosure rights, spousal guarantees) and provide insight on some regulations that are creeping into the commercial area (beneficial ownership, small business data collection).  Finally, this session will discuss ways in which the actions of the Consumer Financial Protection Bureau are affecting compliance issues for commercial loans.

Moderator:
Joanne T. Campbell, CRCM, Executive Vice President of Risk Management, Camden National Corporation
Speaker:
Lucy H. Griffin, President, Compliance Resources, Inc.,

2C: New Expectations for Customer Due Diligence (Repeated from 1D)


2D: A Fair-Lending Checkup (Repeated in 3F)

Fair lending and enforcing fair lending laws are at the top of the list for regulators and law enforcement.  Fair lending should be a top compliance concern for you and your bank, too.  This session will help you understand some recent enforcement actions and what they might mean for your bank.  Our panel will also discuss the renewed focus on disparate impact, including the new HUD rule, the pending Supreme Court case and what the regulators are doing.

Moderator:
Cindy Williams, CRCM, AAP, Senior Vice President, Compliance, and Internal Controls, Community State Bank, N.A
Speakers:
Paul F. Hancock, Partner, K&L Gates LLP
Carl Pry, CRCM, CRP, Senior Director, Treliant Risk Advisors, LLC
Scott Reich, CRCM, Vice President/CRA and Fair Lending Manager, Central Compliance, Umpqua Bank


2E: Audit This - Not That!  (Repeated from 1F)

2F: Talking to Customers: Phone Calls, Texting and Email Best Practices
(Repeated from 1G)

2G: Pre-Paid Compliance (Repeated from 1H)

2H:  Capturing That Risky UDAAP Beast Before You Get Trapped (Repeated in 5C)
We’ve all heard the call of the UDAAP beast and wondered where it might strike next. In this session your UDAAP Hunters will discuss how you too can venture forward to observe the beast in its natural habitat and then set traps in order to control it. In other words, we’ll describe how to develop a UDAAP risk assessment for your bank in the new environment where we must address harm to consumers in addition to “just complying”. The process described is scalable for banks of any size and demonstrates how to go beyond the specifics of the traditional alphabet soup regulations. From this, you can chart your own adventure into UDAAP territory and successfully contain the horror.

Moderator/Speaker:
Rick Freer, Senior Director, Exam and Compliance Programs, ABA Center for Regulatory Compliance, American Bankers Associatio0n
Speaker:
Meg Sczyrba, CRCM, Industry Principal, Infosys Ltd.

GENERAL SESSION
Customers in a Different Light:  Serving Customers in a Dodd-Frank World
Compliance risk management is evolutionary, but the recent financial crisis it has become revolutionary.  Hear directly from a panel of Chief Compliance Officers on how they are leading their bank, post-crisis, in a thorough review of products and services to ensure compliance with Dodd-Frank and other new regulations.  The nexus between meeting customer need, maintaining bank profitability and meeting the new expectations of regulators and other stakeholders will be the center of this dynamic interactive discussion.

Moderator:
Lyn Farrell, CRCM, CAMS, AMLP , Managing Director, Treliant Risk Advisors LLC
Speakers:
Paula Dominick, Chief Compliance Officer, Bank of America
Yvette Hollingsworth, Executive Vice President, Chief Compliance Officer
Wells Fargo
Kathryn S. Reimann, Chief Compliance Officer & Managing Director, Global Consumer Businesses, Citibank, N.A.

Jo Ann Barefoot has been prominent in the field of regulatory compliance since her role as the first Deputy Controller of the Currency for Compliance more than 30 years ago.  She has consulted with large and small institution on all areas of regulatory compliance, including her innovative work in UDAAP program building.  She is an industry thought leader in UDAAP compliance.

Speakers:
Jo Ann Barefoot, Co-Chairman, Treliant Risk Advisors, LLC
Lyn Farrell, CRCM, CAMS, AMLP , Managing Director, Treliant Risk Advisors, LLC
Carl Pry, CRCM, CRP, Senior Director, Treliant Risk Advisors, LLC

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Power Breakfast #2:  
The Secret of Customer Centricity and Risk Management
Sponsored by:  Ernst & Young LLP

Redefining customer relationships
a) Customer experience strategy and design
b) Complaints management, process improvement and predictive analytics
c) Customer analytics for retention, cross-sell and acquisition
d) Customer impact assessment of regulatory change

Fundamental elements of customer-centric organizations
a) Driving customer-centric culture and commitment from the top down
b) Designing an organization that defines clear accountability for customer experience
c) Defining business processes to recognize and respond to different customer needs
d) Creating active dialogues with customers to obtain and act upon feedback
e) Empowering and training associates to find customer solutions

Moderator:
Lisa Ducharme, Ernst & Young LLP

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Power Breakfast #3:  Consumer Compliance Risk Management  in the New Age of Dodd-Frank and the CFPB 
Sponsored by:  NICE Systems
 
Customer service is increasingly featured as the flashpoint in high profile enforcement actions by the CFPB/OCC and FDIC.  The compliance systems of firms are overburdened with the increased use of disclosures, a plethora of new consumer regulation and new standards of care. These challenges are further exacerbated by the ability of consumers to complain directly to the CFPB as a first recourse. New best practices aided by technological breakthroughs are enabling financial firms to mitigate these challenges through real time guidance, monitoring, coaching and training of front line employees when they communicate with the public.

GENERAL SESSION
Critical Issues in Mortgage Finance
This session is designed to kick off the conference’s mortgage-related programming by looking at all angles of the impact of Dodd-Frank on mortgage lending.  Hear market experts present a “macro” view of housing finance reform and its economic impact, as well as reviews of key compliance challenges and concerns as bankers begin to implement all of the new mortgage regulations.  Understand the ramifications the rules have for your bank’s business planning and risk management.  Later breakout sessions will build on this foundation.

Key Note Speaker:
Carl R. Tannenbaum, Senior Vice President, Chief Economist, Northern Trust

Overview of Compliance Impact of New Mortgage Rules:
David Kelly, CRCM, AMLP, President, Loan Operations, FirstBank
Chuck Lewis, CRCM, Vice President, MBA Compliance Services, Missouri Bankers Association

3A: QM: Threading the Ability-to-Repay Needle (Repeated in 4A)
This session will provide a comprehensive look at the issues stemming from the CFPB’s new “Ability to Repay” rule.    Expect speakers to discuss:

• The key challenges in making qualified mortgages, especially in terms of underwriting to comply with Appendix Q;
• Meeting QM through GSE lending;
• Navigating Points and Fees triggers;
• How appraisals fit into your new mortgage lending process;
• And more.

3B: SCRA: Treating Servicemembers Fairly (Repeated in 4H)
SCRA issues continue to be front and center on the regulatory risk horizon.  Institutions have paid thousands of dollars in SCRA-related enforcement actions.  While the rules may seem easy, their implementation is not.  Not only are there federal rules, but states have developed their own SCRA laws that must be taken into consideration. In this session we will discuss the latest enforcement actions involving SCRA, the most common SCRA compliance errors in mortgage and consumer lending and we will discuss how institutions have successfully implemented SCRA compliance programs that help them effectively and fairly serve servicemember communities.

Moderator:
Lyn Farrell, CRCM, CAMS, AMLP , Managing Director, Treliant Risk Advisors LLC
Speakers:
Kirk D. Jensen, Partner, BuckleySandler LLP
Hope Mehlman, Senior Vice President, Senior Compliance Manager, Regions Financial Corporation
Gary A. Pacos, Senior Vice President, Compliance and  Operational Risk
Monitoring, Testing, Assessment and  Analytics, First Niagara Financial Group, Inc.

3C: Managing the Evolving Compliance Risk for Small Banks – The Impact of Incorporating other Risk Assessments (from UDAAP to BSA/AML) to Current Methodologies (Repeated from 1B)


3D:  Managing the Evolving Compliance Risk for Large Banks – The Impact of Incorporating other Risk Assessments (from UDAAP to BSA/AML) to Current Methodologies (Repeated from 1C)

• Resource allocation and staff training to cover a myriad of AML related issues; 
• Enforcement action themes and how to adjust your programs to address identified gaps;
• Working with reluctant business lines;
• Risk assessments covering AML/sanctions/financial crime;
• Anticipating new regulatory requirements on CDD/beneficial ownership.

Moderator:
John J. Byrne, CAMS, Executive Vice President, Association of Certified Anti-Money Laundering Specialists (ACAMS)
Speakers:
Lester M. Joseph, Manager, Global Financial Crimes Intelligence Group, Wells Fargo & Company
Anna M. Rentschler, CRCM, AMLP, CAMS, Vice President and BSA Officer, Central Bancompany
Timothy R. White, CAMS, BSA and OFAC Automation Specialist, Banker's Toolbox, Inc.

3F:  A Fair-Lending Checkup (Repeated from 2D)


3G: Mobile Banking:  What, Why, and How to Mitigate Compliance Risk (Repeated in 5F)
Consumers demand access to mobile banking. Offering your customers mobile financial services is a necessity in order to stay competitive in the financial services industry. It is important for banks to adopt mobile financial services strategies that will enhance your customers' banking experiences, and at the same time ensure that you are meeting compliance requirements. This session will cover:

Moderator:
Cynthia L. Crane, Vice President, The Park National Bank
Speakers:
Corbin Del Carlo, Director, Technology Risk Advisory Services, McGladrey, LLP
Joel Ramos, Chief Compliance Officer, Urban Partnership Bank

3H: Consumer Compliance in Commercial Lending (Repeated from 2B)

4A: QM: Threading the Ability-to-Repay Needle (Repeated from 3A)

4B: Minimizing Social Media Compliance Risk: #compliant&engaged (Repeated in 5D)
Speakers:
Wylli Foote, CRCM, Director of VCM Services, TCA, Inc.
Elizabeth Khalil, Senior Policy Analyst, Supervisory Policy, FDIC

4C: More Regulation Spurs More Litigation (Repeated in 5B)
New regulations continue to come out of Washington at an alarming pace. Not to be outdone, attorneys are filing more  and more lawsuits seeking favorable interpretations of the regulations for their clients. Even the Constitutionality of the CFPB and the recess appointment of Director Cordray were challenged. Experienced bank counsel will discuss recent cases and the practical implications for your bank's compliance program. The discussion will focus on lawsuits involving the following topics:

• CFPB
• Overdraft and UDAAP
• Fraud and Cybercrime
• Telephone Communications Protection Act
• ATMs and the Americans with Disabilities Act
• And more, including old favorites like Truth in Lending.
  

Moderator/Speaker:
Debbie Rawlings, CRCM, Assistant Compliance Officer, Central Bancompany
Speakers:
Nessa Feddis, Senior Vice President and Deputy Chief Counsel  Consumer Protection and Payments Center for Regulatory Compliance Financial Institution Policy and Regulatory Affairs (FIPRA), American Bankers Association
Stuart Pratt, Chief Executive Officer, Consumer Data Industry Association (CDIA)


4E: It's the Same Old Song--But Different Meaning Since AML is So Broad
(Repeated from 3E)


4F:  Rural QM Balloon Mortgages – Rural/ Underserved (Single Session)
Session presenters will review opportunities and challenges in making balloon payment QM mortgages to rural or underserved populations.  Hear how to navigate regulatory standards and related compliance concerns. 

Moderator/Speaker:
Christopher T. Spellman, CRCM, Senior Vice President and Compliance Officer, Morrill & Janes Bank
Speakers:
Denny Deischer, CRCM, Vice President, Educational Services, Missouri Bankers Association
Jerod Moyer, CRCM, Banker's Compliance Consulting

4H: SCRA: Treating Servicemembers Fairly   (Repeated from 3B)

5A:  Critical Issues in Third Party Risk Management (Repeated from 4G)


5B: More Regulation Spurs More Litigation (Repeated from 4C)


5C: Capturing That Risky UDAAP Beast Before You Get Trapped (Repeated from 2H)


5D: Minimizing Social Media Compliance Risk: #compliant&engaged
(Repeated from 4B)


5E: FACTA/FCRA:  Credit Reporting Issues (Repeated from 4D)


5F: Mobile Banking: What, Why, and How to Mitigate Compliance Risk  (Repeated from 3G)


5G:  HPML, Jumbo and Non-QM Loans (Repeated in 6C)
For banks interested in understanding the viability of the mortgage market revolving around HPML, Jumbo and Non-QM loans, this session is for you! Take a look at risks/rewards for meeting ATR requirements for non- QM loans.  Review current concerns and challenges, and how the legal risks and requirements in this market segment will differ under the new reforms.  This session will enhance your understanding of your options regarding non-QM possibilities.

Moderator:
Christopher T. Spellman, CRCM, Senior Vice President and Compliance Officer, Morrill & Janes Bank

Speakers:
Scott Kinsella, CRCM, Vice President – Compliance, Salem Five Cents Savings Bank
Brian S. Levy, Of Counsel, Katten & Temple, LLP

5H: Responding to Exam Findings (Repeated in 6G)
This session will cover the suggested ways you should be responding to the full range of various types of regulatory exam findings with a special focus what should be an established routine for responding to exam findings. We will also review managing more serious findings like MRAs, MOUs, CMPs, and Enforcement Actions.

Moderator:
Cara C. James, CRCM, Senior Vice President and Director of Compliance, Arvest Bank
Speakers:
Scott A. Almy, Executive Vice President, Chief Risk Officer and General Counsel, ViewPoint Bank
Bonita G. Jones, President, Bonita Jones & Associates, LLC
F. John . Podvin, Of Counsel, Haynes and Boone, LLP  

Power Breakfast #1: 
Digital and Mobile Accessibility: Is Your Bank Prepared?
Sponsored by:  Deque Systems
Digital Accessibility compliance is one of the most pressing issues in online finance.  Making sure your company's web content and mobile applications are accessible to users with disabilities and the elderly will not only extend your services to a very loyal and appreciative client base and improve the overall quality of your digital content, but will also protect your company from potential litigation, saving valuable resources. 
 
Minh Vu, Partner at Seyfarth Shaw LLC in Washington, DC, and Preety Kumar, CEO of Deque Systems, will be offering an enlightening breakfast session covering everything you need to know about digital accessibility compliance and offering practical solutions for getting your company on the path to compliance, including the details of a new service being offered jointly by Seyfarth Shaw and Deque.  You won't want to miss it!

Speakers:
Preety Kumar, CEO, Deque Systems
Minh Vu, Partner, Seyfarth Shaw LLC, Washington, DC

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Power Breakfast #2:
Putting Compliance to the Test
Sponsored by: Promontory Financial Group

• Translating a comprehensive risk assessment into a well-calibrated monitoring and testing plan
• Determining the scope and frequency of monitoring and testing, including designing robust sampling methodologies
• Who should conduct testing and what qualifications and authority do they need
• What to do if testing detects problems
• Designing meaningful reports on consumer protection risks
• Housing data in ways that facilitate reporting

Speakers:
Linda Gallagher, Managing Director and Global Head of the Consumer Protection Practice
Promontory Financial Group, LLC
Matthew Ondus, Director, Promontory Financial Group, LLC

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Power Breakfast #3: 
Regulatory Change Management: 3 Questions, 6 Assessment Areas, 1 Process
Sponsored by: Wolters Kluwer Financial Services
Every day you face three questions: 1) What laws are we beholden to?; 2) Are we following them?; and 3) Can we prove it? The answers boil down to the effectiveness of your regulatory change management process. From missing legislation all together to failing to follow through, your institution is vulnerable to operational and compliance breakdowns when the regulatory change management process fails.
This session will identify six key functions that compliance executives can examine to assess organizational capabilities in the regulatory change management workflow. Attend this session and learn how your peers feel they are progressing with implementing regulatory changes in their institutions. Compliance veterans will share practical ideas for assessing compliance risks in key areas of the process, and realistic strategies for tightening the workflow.  All session attendees will receive a complimentary “Assessment Questionnaire for Evaluating Regulatory Change Management” to evaluate their institution’s performance in the six key functions. 

Speakers:
James Bork, Senior Banking Compliance Analyst, Wolters Kluwer Financial Services
Amy Downey, JD, U.S. Banking and Regulatory Expert, Wolters Kluwer Financial Services
JB Sloan, Senior Product Market Manager, Enterprise Risk Management, Wolters Kluwer Financial Services
Wesley Zickefoose, Consulting Manager, Fair Lending, Wolters Kluwer Financial Services

6A: Remittances: The New Rules for International Consumer Wire Transfers (Repeated in 7H)
At the end of April, the Consumer Financial Protection Bureau issued final amendments to the rules on international remittances.  These changes to Regulation E govern wire transfers sent by consumers in the United States to any recipient outside the United States.  The amendments simplify the disclosures about foreign taxes and third-party fees and also changes the liability when the sender gives the provider incorrect account or bank identifier information.  Sending wire transfers for customers is an important service and this session will cover the new changes and review the entire rule so that you can be prepared by October 28, 2013.  In this session, ABA’s own staff expert Robert Rowe, will walk you through the changes and you will leave this session with a good understanding of your obligations so you can be in compliance by the deadline.

Moderator:
Anna M. Rentschler, CRCM, AMLP, CAMS, Vice President and  BSA Officer, Central Bancompany
Speaker:
Robert G. Rowe, Vice President and Senior Counsel II, ABA Center for Regulatory Compliance, American Bankers Association

6B: Mortgage Servicing (Repeated in 7B)

Moderator/Speaker:
Krista Shonk, Vice President, Mortgage Finance, Senior Regulatory Counsel, American Bankers Association
Speaker:
Mike Budinger, Senior Manager, Crowe Horwath
Jeffrey  Naimon, Partner, BuckleySandler LLP  

6C: HPML, Jumbo and Non-QM Loans (Repeated from 5G)


6D: Taking Compliance Training from "Ho Hum" to "So Fun" (Repeated in 7A)
Training bank staff on regulatory compliance topic is not only required by regulators, it is an important risk mitigant for every compliance program. But year after year you cover the same topics and meet the same blank stares from your audience. Just because compliance training is necessary it doesn’t have to be a “necessary evil.” With all the increased training that will be needed to bring staff up-to-date on the changes due to Dodd-Frank and other emerging regulatory issues, now is a great time to revitalize your training program. During this session we will discuss best practices for combining various training methods including web based, instructor led, and independent study to get the most out of your education time and budget. We’ll review both the training topics and frequency requirements to satisfy regulatory guidelines, but most importantly we’ll share creative ideas for incorporating fun into your learning so staff will actually look forward to attending compliance training. Whether you are responsible for training large groups or small, you’ll leave this session with practical ideas that can be used as soon as you return to your bank.

Moderator:
Maureen E. Carollo, CRCM, Senior Vice President/Compliance, and BSA Officer, NBC Oklahoma
Speakers:
Kathy Enbom, Senior Manager - Compliance, Wipfli, LLP
Patricia Hartmann, Senior Vice President - CFO, Compliance Officer, First National Bank of McHenry

6E: Fair and Responsible Banking:  Beyond Mortgages (Repeated in 7D)
Learn what the regulators’ fair lending/UDAAP concerns are regarding non-mortgage products and the focus of recent non-mortgage fair lending examinations especially direct and indirect auto lending. Issues raised in non-mortgage fair lending enforcement cases will be highlighted and what may be coming in the future including the use of the disparate impact discrimination theory. Learn about the tools, including regression analysis, and some of the pitfalls you may encounter in ensuring you are appropriately managing your non-mortgage fair lending risks; assessing the risks, monitoring indirect dealer relationships, selecting surrogates for analysis, handling pricing discretion and exceptions, and other key aspects of fair lending risk management.

Moderator:
Rick Freer, Senior Director, Exam and Compliance Programs, ABA Center for Regulatory Compliance, American Bankers Association
Speakers:
Gregory Imm, Chief Compliance Officer, Fifth Third Bank
Andrew L. Sandler, Esq., Chairman and Executive Partner, BuckleySandler LLP


6F: Current Compliance Issues in Mortgage Loan Originator Compensation  (Repeated in 7E)
Mortgage reform has modified the rules pertaining to Mortgage Loan Originator Compensation.  Hear about meeting the challenges of marrying the new rules with the still-standing regulations.   Presenters will explain the changes and developments affecting loan officer compensation rules, SAFE Act registration issues, legal challenges affecting mortgage broker and wholesale operations, RESPA and TILA disclosure matters, and more.

Elizabeth Fredrickson, JD, CRCM, Vice President, Compliance Manager, Real Estate Compliance and Operational Risk, Wells Fargo

6G: Responding to Exam Findings (Repeated from 5H)

6H: Managing the Cloud (Repeated in 7C)
“Cloud” is the new buzzword these days, but do you really know what the cloud is and what it means for your bank?  This session will provide easy-to-understand information about the different types of clouds (yes, there is more than one cloud!), the associated risks of using the cloud or contracting with vendors who use the cloud, and a discussion of the requirements of the FFIEC Guidance “Outsourced Cloud Computing”.   You will also hear how to enhance your vendor due diligence and risk management programs to address cloud vendors, as well as tips for auditing cloud services.

7A: Taking Compliance Training from "Ho Hum" to "So Fun" (Repeated from 6D)

7B: Mortgage Servicing (Repeated from 6B)

7C: Managing the Cloud (Repeated from 6H)

7D: Fair and Responsible Banking: Beyond Mortgages (Repeated from 6E)

7E: Current Compliance Issues in Mortgage Loan Originator Compensation(Repeated from 6F)

7F: Defiance-Alliance-Compliance:  The Path to Implementing Change for Small Banks (Single Session)
Now is the time to make your plan to manage the extensive changes that are coming in the months ahead.  This may seem like an overwhelming task, but the speakers for this session will provide real life tips, techniques, and sample documents to help you make these changes manageable.  You will learn how to establish goals, refine your culture, provide purpose throughout the process and promote unity among business lines.  Using these tools will help you successfully and effectively implement change management at your institution.

Moderator:
Debbie Rawlings, CRCM, Assistant Compliance Officer, Central Bancompany
Speakers:
Jim Bedsole, CRCM, CBA, CFSA, Director of Compliance, Armed Forces Bank
David A. Dickinson, President, Banker's Compliance Consulting


7G: Things - They Are A'Changing!  Change Management:  Large Banks 
(Single Session)
With the evolution of the CFPB and the roll out of Dodd Frank and regulatory reform in general, there is no time like now that companies are experiencing rapid levels of change, particularly large banks that are being fully impacting by having new regulators, new regulations and challenges in obtaining the right talent and having the ability to manage their organizations through these times of massive change.  This panel of Compliance Leaders will share with you stories of how the changes have impacted their companies, what they have done to effectively manage change in the organizations and how they intend to keep abreast to ensure their organizations are adept enough to implement the necessary things to comply and to have the means inside their organization to actively effectuate the necessary adjustments and changes to ensure that they are in compliance and ready as deadlines loom.

Moderator:
Lyn Farrell, CRCM, CAMS, AMLP, Managing Director, Treliant Risk Advisors LLC
Speakers:
Tracy Johnson, Director of Corporate Compliance, First National of Omaha
Cherie Woodbury, Senior Vice President, Compliance Learning and Communication, Bank of the West   
Carol Yee, Senior Vice President, Chief Compliance Officer, People’s United Bank

7H: Remittances: The New Rules for International Consumer Wire Transfers  (Repeated from 6A)

BANKER AND GOVERNMENT PEER GROUP EXCHANGE SESSIONS
Concurrent Sessions - Series #8 (Select from four options)
You asked for this last year and we listened!  Exchanging ideas and solutions are the goals of these highly interactive sessions.  You will be grouped with peers by asset size and session leaders will provide topics for you to discuss among your small group.  You can follow the suggested topics or create one of your own at your table!  Learn how others are creating training materials, reporting to their boards, or implementing the new real estate regulations.  Come prepared to share your experiences with others. The session will be totally designed by you but with our careful facilitation, you will walk away more informed!

Note: These sessions are not open to the press or to non-bankers.

8A:  Large Bank Peer Exchange Session ($10B and Higher - Bankers Only)
Facilitators:
Robert Curry, Deputy Chief Compliance Officer, US Bank
Tina Shaver, CRCM, CAMS, Senior Vice President and Corporate Compliance Manager, FirstMerit

8B:  Medium-Size Bank Peer Exchange Session ($1B-$10B - Bankers Only)
Facilitators:
Jeffrey A. Asher, CRCM, CAMS, Senior Vice President, FirstBank Holding Company
Cara C. James, CRCM, Senior Vice President and Director of Compliance, Arvest Bank


8C:  Small Bank Peer Exchange Session ($1B and Less - Bankers Only)
Facilitators:
Marcia Geike, CRCM, Vice President & Compliance Officer, Home State Bank, N.A.
Cara L. Quick, CRCM, Vice President for Compliance, First Hope Bank
Jon Allen, CRCM, Chief Compliance Officer, Bank of American Fork 
Rhonda R. Castaneda, Vice President, Compliance/BSA/CRA Officer, The Bank of Fayette County

8D:  Government Peer Exchange Session (government only)
Facilitator:
Rick Freer, Senior Director, Exam and Compliance Programs, ABA Center for Regulatory Compliance, American Bankers Association

TUESDAY NIGHT ON THE TOWN: Optional Baseball Outing
Chicago Cubs vs. Cincinnati Reds
Wrigley Field - 7:05 pm Game Time

Registration for this event can be done when you register online for the conference.  For more information - scroll to  the top of this page and click "Optional Baseball Outing"

• Using daily analysis of data to identify and remediate potential compliance issues before they occur
• Social media/mass opinion sentiment monitoring to identify emerging customer concerns / issues before they become formal customer complaints, and to get out in front of potential issues
• Technology-enablement and real-time interface capabilities using phone contact center data
• Examples of real-time compliance underway at leading financial institutions, including the use of disparate impact testing during model development
  

GENERAL SESSION
Lessons Learned from UDAAP Enforcements
UDAAP enforcement has reshaped compliance risk management-- transforming the focus from regulatory impact on banks to business practice impacts on consumers.  We will explore the lessons learned from this new approach to identify how risk assessment, program controls, third party arrangements, compliance culture and business planning need to change to keep pace with evolving supervisory expectations.

Moderator:
Richard R. Riese, Senior Vice President, ABA Center for Regulatory Compliance, American Bankers Association
Speakers:
Timothy Burniston, Vice President and Senior Director, Risk and  Compliance Consulting Practice, Wolters Kluwer Financial Services
Leonard N. Chanin, Partner, Morrison & Foerster LLP
Forrest F. Stanley, Deputy General Counsel, Key Bank National Association

UP CLOSE AND PERSONAL WITH THE REGULATORS
This is your annual opportunity to meet directly with your supervisors.  Question cards will be available at the beginning the conference for you to turn-in before this session.
Regulators will do their best to get to all questions submitted as well as from the floor.

FDIC

Moderator:
Christopher T. Spellman, CRCM, Senior Vice President and Compliance Officer, Morrill & Janes Bank
Speakers:
Dianne E. Dixon, Associate Director for Exams, FDIC
Chris Finnegan, Assistant Regional Director, Division of Depositor & Consumer Protection, Dallas Region, FDIC
L. Ray Jackson, Deputy Regional Director, Division of Depositor and Consumer Protection, Chicago Region, FDIC


FED
Speakers:
LaVonda Bailey, Senior Supervisory Consumer Financial Services Analyst, Division of Consumer and Community Affairs, Board of Governors of the Federal Reserve System
Suzanne Killian, Senior Division of Consumer and Community Affairs Associate Director, Board of Governors of the Federal Reserve System

OCC
Speakers:
Grovetta N. Gardineer, Deputy Comptroller for Compliance Policy,  Office of the Comptroller of the Currency
Kimberly G. Hebb, Director, Compliance Policy, Office of the Comptroller of the Currency

CFPB
Speakers:
April Breslaw, Deputy Assistant Director, Supervision Policy, Supervision, Fair Lending and Enforcement, Consumer Financial Protection Bureau
Allison Brown, Program Manager, Supervision Policy,Consumer Financial Protection Bureau
Calvin R. Hagins, Program Manager, Supervision Policy, Consumer Financial Protection Bureau
Peggy Twohig, Assistant Director for Supervision Policy, Consumer Financial Protection Bureau