ABA Regulatory Compliance Conference

June 12-15, 2016 • Manchester Grand Hyatt Hotel • San Diego, California

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Overview  |  Registration/Fees  |  Program |  Venue  |  Sponsors/Exhibitors  |  ABA Fair Lending Workshop  |  Optional Baseball Event​

2016 Preliminary Program

Below is the preliminary program which is subject to change. The beginning and ending times, however will be unchanged. Bookmark this page and check back frequently for updates.​

This conference is designed for the seasoned compliance professional. If you are new to compliance, we suggest you take advantage of our ABA National Compliance School.

Continuing Education Credits:  Information about continuing education credits will be posted 1-2 months prior to the Conference. To compare to last year, this program received points from The Institute of Certified Bankers (ICB) as follows: In 2015, CRCMs were able to claim up to 23.25 credits, CFSSPs and CSOPs were able to claim up to 12.5 credits and CLBBs were able to claim up to 9.5 credits.

Additionally, the American Bankers Association is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be submitted to the National Registry of CPE Sponsors through its website: www.learningmarket.org. This program will be reviewed for CPE credits 1-2 months before the program. For comparison purposes, in 2015, CPA's were able to claim up to 17.5 CPE credits for attending the conference, session, depending.

NEW: The CRCM Exam held in conjunction with the 2016 Conference will be held on Saturday, June 11, 2016, from 1:00 - 5:00 pm. Please contact ICB's Sandra Williams for details.
 
2016 ABA Regulatory Compliance Conference Program
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.
​Sunday, June 12, 2016

8:00 am -
7:30 pm

REGISTRATION OPEN

9:00 am -
9:45 am

NEW ATTENDEE WELCOME (Optional)
Newcomers, don your newcomers badge ribbon (found at registration) and stop by 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 (Three Options)
These sessions are designed to dig deep into a particular topic area.  They will not be repeated.
Deep Dive #1: 
Compliance Governance: It’s a Wonderful Life!
How do you sustain a culture of compliance? This session will utilize a panel of experts to discuss framework considerations (top down and bottom up) on how to develop solid compliance governance, key dashboard elements, metrics, and reporting that resonates with executive management and the board, and a practical approach for building partnerships with Lines of Businesses.


 
Moderator/Speaker:
Scott Q. Nininger, CRCM, CFSSPSenior Vice President, Director of Regulatory Risk Management, Union Bank & Trust

Speakers:
Agnes Bundy Scanlan, Regional Director, Northeast Region, Consumer Financial Protection Bureau
Daniel F. Hayes, Executive Director, Financial Services, Ernst & Young
Thomas J. Ryan, Managing Director, Citigroup​

Deep Dive #2: Deposit Deep Dive: Finding UDAAP in the Cracks
In this deep dive we will examine enhanced UDAAP deposit compliance programs and controls that prevent inadvertent UDAAP errors.  Our panel will use case studies to illustrate how errors and high-risk products have catalyzed their efforts to strengthen their UDAAP deposit compliance programs to be more proactive.

Moderator:
Lyn Farrell, Managing Director, Treliant Risk Advisors

Speakers:
C. Jeanne Applegate, CRCM, CAMS, AMLP, Senior Compliance Manager – Group Compliance, Arvest Bank 
Kim Quental, Senior Compliance Manager, Everyday Banking, Citizens Bank, NA
Elizabeth Schroeder, CRCM, CCBCO, Vice President, Compliance Manager, CRA Officer, Compliance Department, Washington Trust Bank

Deep Dive #3: Fifty Shades of Confusion:  UDAAP Issues in Lending
Each bank has assessed its own UDAAP risks in lending – but how do you control for these risks?  Join this all-banker panel for a discussion on designing UDAAP lending controls. We’ll use real-world case studies and open discussion among panelists and the audience to take a comprehensive look at controlling for UDAAP lending risks.  

Moderator:
Tina M. Shaver, CRCM, Senior Vice President & Chief Compliance Officer, FirstMerit Bank, NA    

Speakers:
Maureen Carollo, CRCM, CAMS, Senior Vice President, Compliance/CRA Officer, Great Plains National Bank
Gary A. Pacos, Senior Vice President, First Niagara Bank, National Association   ​
Meg L. Sczyrba, CRCM, Program Administration, Head, Wells Fargo Bank NA 

 
12:00 pm -
2:00 pm
LUNCH ON YOUR OWN
2:00 pm -
3:15 pm
            
CONCURRENT SESSIONS:  Series #1  (Nine Options)
1A:  Product Development and Compliance: Balancing Risk and Reward -Repeated in 2A
Hear our product development and compliance experts discuss compliance management system designs which identify and mitigate risks, all while improving “speed to market.”  We will  contrast the role of product development and compliance oversight, provide tools to assist in evaluating risks and we’ll discuss regulatory expectations for a strong product and service governance program.​

Moderator:
Jennifer Mazurek, CRCM
Senior Vice President and Compliance Manager, 
Camden National Bank​

Speakers:

​Jeffrey Jaffee, Senior Vice President, Responsible Banking and Fair Lending Officer, Bank of the West
Kara Tucker, JD, First Vice President, Consumer Fair and Responsible Banking, SunTrust Bank

1B: Fair Lending and CRA; A Holistic Approach to Reviewing and Monitoring Risk -Repeated in 2B
We will discuss how to mesh fair lending risk assessment analyses and HMDA/CRA data monitoring using a common set of assumptions and data strategies to develop a sound and realistic fair lending risk profile. 
Additionally, we’ll discuss which data analyses are key fair lending indicators, and using that data combined with bank strategic goals, policies, and procedures to strengthen  and document CRA Performance.

Moderator:
Rick Freer, Senior Director, Exam and Compliance Programs, ABA Center for Regulatory Compliance, American Bankers Association

Speakers:
Jim Bedsole, CRCM, CBA, CFSA, Senior Vice President, Chief Compliance and Risk Officer, 
BankSouth
Marsha Courchane, Vice President and Practice Leader, Financial Economics, Charles River Associates
Brian C. McCormally, Partner, Arnold & Porter LLP

 
1C:  Debt Collection:  Lessons Learned and What They Portend  -Repeated in 2C
What should you take away from the Bureau’s recent debt collection enforcement actions?  And what do those lessons predict for the future debt collection rulemaking?  This session will help you answer these questions as we analyze recent enforcement efforts and look ahead.


Moderator:
Anjali Phillips, Senior Counsel, Center for Regulatory Compliance, American Bankers Association

Speakers:
Stephen Brownback
Director, Assistant General Counsel, 
U.S. Card Recoveries, 
Capital One Services, LLC
John L. Culhane, Jr., 
Partner, Ballard Spahr LLP​

1D:  Marketing Compliance Risks: It’s Not Just About Advertising!  -Repeated in 2D
Marketing compliance programs are not only incorporating UDAAP risk reviews but also reviews for fair lending risks.  Additionally, today’s programs evaluate the mobile sites for readability, examine the full range of social media touchpoints, analyze complaint data to reveal marketing-related deficiencies, as well as incorporate a thorough TCPA risk review process.  We’ll walk you through first, second and third line responsibilities in managing today’s complex marketing compliance program.

Speakers:
Megan Hammersmith, Assistant Vice President, Compliance Analyst III, FirstMerit
Jonathan Thessin, Senior Counsel II, Center for Regulatory Compliance, American Bankers Association

 

1E:  Shifting Sands:  Legal Risk in an Unstable Environment  -Repeated in 2E
Legal risk is the ultimate risk chameleon changing colors to match whichever risk results in litigation. Corralling this shape shifter requires infrastructure, diligence and centralization.  Join our panel as they discuss the reissued OCC Safety and Soundness Handbook section, “Litigation and Other Matters,” current developments in individual liability, and other legal risk elements.

Speakers:
Dawn Causey, CRCM, General Counsel, American Bankers Association
Maggie Weir, CRCM
Vice President, Assistant General Counsel and Chief Compliance Officer, Cambridge Savings Bank​
 
1F:  The Heat Is On - Regulatory Hot Spots of Mortgage Servicing - Repeated in 2F
Attend this session to learn about the top servicing issues on the minds of regulators, how other banks are keeping up with evolving expectations, and what regulatory changes to plan for in 2016.  
 
Moderator/Speaker:
Krista ShonkVice President, Mortgage Finance and Senior Regulatory Counsel, American Bankers Association

Speakers:
Regina M. Lawrence, CRCM, Senior Vice President and Director, Corporate Compliance, Hancock Bank
Lynn A. Tarantino, CAMS, CRCM, Vice President, BSA and Compliance Officer, Cenlar, FSB

1G: Navigating the eLending Compliance Labyrinth  -Repeated in 3H
​​​As eLending becomes more pervasive, ensuring compliance with the myriad of laws and regulations is increasingly important.  This session will describe the current eLending landscape, define a lifecycle approach to ensuring compliance for lending products and share both common pitfalls and leading practices.

Speakers:
​INVITED:  Robert Marx, CRCM, Vice President of Compliance, WebBank
Stanle​y F. Orszula, Partner​, Financial Institutions Group, Barack Ferrazzano

1H:  Top TRID Issues and What You Can Do About Them  -Repeated in 2H
Despite living with TRID for months, lenders remain challenged by numerous compliance questions.  Informal assurances from CFPB about enforcement efforts notwithstanding, the industry remains nervous about TRID implementation, and data shows TRID is disrupting the market.  This panel will identify some of the most common TRID questions and offer specific guidance on how to best manage your way through the challenges.​

Moderator:
Brian S. Levy
, Counsel, Katten & Temple, LLP​

Speakers:
Rod Alba, Senior Vice President, Real Estate Finance/Senior Regulatory Counsel, Mortgage Markets, Financial Management & Public Policy, American Bankers Association
Elizabeth (Betsy) Fredrickson, CRCM, Vice President, Wells Fargo Bank NA 
Richard HornFounding Attorney, Richard Horn Legal, PLLC 

1I:  Let's Make a Deal!  M&A Due Diligence -Repeated in 2I
Mergers and Acquisitions volume in the U.S. reached a record high in 2015.  Most of these deals involved community banks.  As a compliance professional, learn from fellow bankers on what due diligence you need to conduct prior to a purchase and how to develop a project plan to identify compliance steps involved in a system conversion.  In addition we’ll discuss reverse due diligence and other vital documentation needed to have a successful acquisition.

 
Moderator/Speaker:
Christopher T. Spellman, CRCMSenior Vice President and Corporate Compliance Director, Heartland Financial USA, Inc.
 

​Speakers:
Joanne T. Campbell, CRCM, Executive Vice President, Risk Management, Camden National Bank
John Podvin, Partner, Bieging, Shapiro & Barber, LLC

3:15 pm -
3:30 pm
Travel to Next Session
3:30 pm -
4:45 pm
                
CONCURRENT SESSIONS:  Series #2 (Nine Options)
2A:   Product Development and Compliance: Balancing Risk and Reward -Repeated from 1A

2B:  Fair Lending and CRA; A Holistic Approach to Reviewing and Monitoring Risk -Repeated from 1B

2C:  Debt Collection:  Lessons Learned and What They Portend   -Repeated from 2C

2D:  Marketing Compliance Risks: It’s Not Just About Advertising!  -Repeated from 1D

2E:   Shifting Sands:  Legal Risk in an Unstable Environment -Repeated from 1E

2F:  The Heat Is On - Regulatory Hot Spots of Mortgage Servicing -Repeated from 1F

2G:  Strategies for Preventing Elder Financial Abuse and Exploitation -Repeated in 3G
This session will feature strategies in preventing elder financial abuse and exploitation, with a focus on the Consumer Financial Protection Bureau’s advisory and report for financial institutions on preventing and responding to elder financial exploitation released this March and examples from bankers on implementing these recommendations.

Moderator:
Corey Carlisle, Senior Vice President, Bank Community Engagement, American Bankers Association

Speakers:
Naomi Karp, JD, Senior Policy Analyst, Office for Older Americans, Consumer Financial Protection Bureau

2H:  Top TRID Issues and What You Can Do About Them  -Repeated from 1H

2I:  Let's Make a Deal!  M&A Due Diligence -Repeated from 1I

4:45 pm -
5:00 pm
Travel to Next Session
5:00 pm -
6:15 pm
GENERAL SESSION:  
Chief Compliance Officer Roundtable 
As we celebrate our 30th year leading the national conversation on bank compliance, a panel of chief compliance officers will share their views on emerging risks, including individual liability concerns, and how they are dealing with an unprecedented amount of regulatory change. From new expectations, to managing the three lines of defense, to attracting and retaining top talent – we’ll cover it all.  
Moderator:
Ryan RasskeSenior Vice President, Risk and Compliance Markets, American Bankers Association

 
Speakers:
Richard H. Harvey, CRCMSenior Vice President and Chief Compliance Officer, 
Colonial Savings, FA 
Cara C. James, CRCM, Senior Vice President and Chief Compliance Officer, Arvest Bank
John KrenitskyChief Compliance Officer, Discover Financial Services
Kathryn S. Reimann, Managing Director, Chief Compliance Officer, Citibank, NA and Global Consumer Banking​
6:15 pm -
7:30 pm
Opening Reception in the Marketplace
-Reception Sponsored by:  Corporation for American Banking
 

Monday, June 13, 2016
7:00 am -
6:30 pm
REGISTRATION OPEN
7:15 am -
8:15 am
POWER BREAKFAST SESSIONS (Multiple Options)
Take full advantage of your conference experience!  Join one of our expert corporate partners for a quick-paced informative session all while enjoying a continental breakfast.  Seating is first-come, first-served - no reservations are required.

7:45 am -
8:15 am
CONTINENTAL BREAKFAST IN THE MARKETPLACE
8:15 am -
8:30 am
Travel to Next Session
8:30 am -
10:15 am
GENERAL SESSION: 
Part 1:  Key Note Address
Featuring:  Rob Nichols, President and CEO, American Bankers Association

Part 2:  ​Creative Approaches to Serving Diverse Communities:  Bankers Tell Their Stories
Every single day, bankers across the country are creating new ways to serve a rapidly diversifying customer base.  Join us as we hear from two ABA-award winning banks as they describe their unique approaches to meeting the needs of their diverse communities.  You'll walk away inspired and with new ideas to try at your bank.

Speakers:
Ben Joergens, Vice President, Financial Empower Officer, Old National Bancorp
Erica L. Opstad, Vice President, National Manager - Community Relations Department, Foundatin and Community Relations Division, U.S. Bank
10:15 am -
11:00 am
COFFEE BREAK IN THE MARKETPLACE
11:00 am-
12:15 pm
CONCURRENT SESSIONS:  Series #3 (Seven Options)
3A:  Rethinking Your Threat Finance Strategy -Repeated in 4A
​As bankers one of our core functions is to assist in the preventing terrorists (and criminals), home and abroad, from accessing financial markets.  This session will present tactical and practical information related to identifying:  Potential red-flags in account onboarding and opening and transactions and other alerts from customer’s activity.​

Speakers:
Sepideh Behram, Esq., CAFP, CCBCO, Senior Vice President and Chief Compliance Officer​, The Bancorp Bank
Dennis M. LormelPresident and Chief Executive Officer, DML Associates LLC

3B:  Oh No, The Check Engine Light Is On!  How to Fine Tune Your Compliance Management System (CMS) -Repeated in 4B
Regulators have an expectation that all banks should have a robust CMS.  Have you had yours checked? We will discuss these expectations, how to enhance the required elements, utilizing your strategic plan to build alignment with LOBs, and considerations as to how automation may provide scale and efficiency for a growing bank.

 
Moderator/Speaker:
Scott Q. Nininger, CRCM, CFSSPSenior Vice President, Director of Regulatory Risk Management, Union Bank & Trust

 
Speakers:
Pamela C. Buckley, CRCM, Managing Director, Risk, Information Security and Compliance (RISC) Solutions, FIS
Raji Sathappan, MBA, CRCM, CAMS, CISA, Director, Mercadien PC, Certified Public Accountants

 
3C:  Swimming Yourself out of the New Flood Rules and Flood Issues   -Repeated in 6C
​Where are institutions struggling in regard to the new flood rules and what are some strategies for implementation?  This session will answer these questions and provide you with tangible guidance and takeaways for you to think about and implement in your own institution.

​​Moderator:
Lynn A. Tarantino, CAMS, CRCM, Vice President, BSA and Compliance Officer, Cenlar FSB

Speakers:
Donald J. Brown, CRP, CCS, Vice President - FDPA Officer, Commercial Regulatory Oversight Team, Corporate Compliance - Senior Compliance-Risk Manager, Webster Bank, NA
Rich Slevin, Senior Territory Manager - Chicago, National Flood Insurance (NFIP) Training, H20 Partners, Inc.
3D:  What's Hot and What's Not in Commercial Lending Compliance -Repeated in 7C
Given all that is currently on your compliance plate – how can you assess your current commercial lending compliance program against leading practices and emerging regulatory concerns?  In this session, we’ll provide you with tips and tools allowing you to “rethink and recalibrate” your commercial lending compliance program to meet current expectations.  ​

Moderator/Speaker:
Patti J. Blenden, CPA, President, Financial Solutions for Growing Companies, Inc.

Speaker:
Thomas J. Healy, CRCM, Chief Compliance Officer, Ally Bank  
3E:  Fair Lending Hot Topics  -Repeated in 4G and 6G
Panelists will examine recent enforcement actions and emerging fair lending topics and will provide compliance management strategies to mitigate risk and satisfy examiners.  Issues covered  include redlining, indirect auto, the new HMDA rule, loan servicing, use of proxies, statistical analysis, small business and more.​

Moderator/Speaker:
Cara C. James, CPA, CRCM, 
Senior Vice President and Chief Compliance Officer, 
Arvest Bank 

Speakers:
Carl G. Pry, CRCM
Managing Director, 
Treliant Risk Advisors LLC 
Andrew L. Sandler, Esq., 
Chairman and Executive Partner, 
BuckleySandler LLP

 

3F:  Overdraft Compliance:  A Lifecycle Approach to Managing Operational Pitfalls -Repeated in 5G
Our panel will review potential pitfalls in the overdraft operational lifecycle including disclosures, opt-in processes, transaction posting order, fees, monitoring and counseling.  We’ll also provide tools such as metrics and reporting samples to help you manage your program.  You’ll also hear ideas on responding to regulatory issues as well as an update on the upcoming rulemaking.​

Moderator:
Jonathan Thessin, Senior Counsel II, Center for Regulatory Compliance, American Bankers Association

Speakers:
Sandra K. Chapman, CRCMExecutive Vice President, Compliance Officer, Busey Bank 
Maria E. MayshuraFirst Vice President and Internal Auditor, Ocean City Home Bank  
Cara Thompson, Senior Vice President, Chief Compliance Officer, Columbia Bank

3G:  Strategies for Preventing Elder Financial Abuse and Exploitation -Repeated from 2G
 
3H:  Navigating the eLending Compliance Labyrinth  -Repeated from 1G

 
3I:  Americans with Disabilities Act:  Latest Expectations/Emerging Risks -Single Session
You've made sure your bank branches and ATMs comply with the ADA standards, but as ADA compliance continues to evolve, are you certain you are doing what you need to do to "communicate effectively" with hearing and vision impaired customers? Our panel will explain the ADA's effective communication requirements, including the latest expectations for website and mobile banking accessibility.

Moderator:
Mike DosedelWells Fargo Home Lending Group, Compliance and Operational Risk Manager, Wells Fargo

Speakers:
Bob Boerschel
Senior Counsel, 
Wells Fargo Law Department
Adrien Van NoteTitle III ADA Coordinator, Capital One Bank
Minh N. Vu, Partner, Seyfarth Shaw LLP

 
 
12:15 pm -
1:45 pm
SEATED LUNCHEON WITH SPEAKER
Featuring:
Kathy Pearson, PhD., President, Enterprise Learning Solutions,  The Wharton School of Business, University of Pennsylvania
1:45 pm -
2:30 pm
DESSERT BREAK IN THE MARKETPLACE 
2:30 pm - 
3:45 pm
 
CONCURRENT SESSIONS: Series #4 (Nine Options)
4A:  Rethinking Your Threat Finance Strategy -Repeated from 3A

4B:  Oh No, The Check Engine Light Is On!  How to Fine Tune Your Compliance Management System (CMS)-Repeated from 3B

4C:  The Relationship Between Operational Risk and Compliance Risk  -Repeated in 5C

 
Speakers:
Kris Hanson, CRCM, 
Senior Vice President, Surveillance and Process Governance, 
Synchrony Financial
Michael D. Maher, CRCM, Compliance Consultant; Retired Executive Vice President, Group Chief Compliance Officer, Wells Fargo Consumer Lending Group
4D:    RESPA, LO Comp and Regulatory Enforcement:  Putting It All Together To Advise Your Mortgage Units  -Repeated in 5D​
Recent CFPB enforcement actions challenge old HUD RESPA guidance. LO Comp and UDAAP issues are also hot enforcement topics. Using issue spotting fact patterns, this panel will help you recognize trouble in business relationships like MSA’s, joint marketing, lead sharing, brokering, and desk leases and LO compensation structures like “pick-a- pay”, profit bonuses 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.
4E:  Military Lending Act:  New Obligations and Compliance Risks  -Repeated in 5E
​Are you ready for the October 3 compliance date?  Our experts will walk you through the changes in the revised Military Lending Act regulation that include not only its expanded application and a 36% “Military” APR cap, but also other prohibited terms and required written – and oral -- disclosures. If you make consumer loans, this is information you need to know.​

Moderator:
Gary A. Pacos, Senior Vice President, First Niagara Bank, National Association

Speakers:
Leonard N. Chanin, Of Counsel, Morrison & Foerster LLP
Nessa Feddis, Senior Vice President, Deputy Chief Counsel, Center for Regulatory Compliance, American Bankers Association
4F:  On The Radar:  Critical Challenges in Managing AML/Fraud Risks  -Repeated in 5F
This session is an overview of the top AML issues that bankers are facing today.  We will present a look into our crystal ball to alert you of looming challenges  and address many of the leading practices addressing these and other issues of interest.  

Moderator:
Shannon Thomason, CRCM, Senior Vice President, Chief Compliance Officer, Central Bancompany

Speakers:
​Anna M. Rentschler, CRCM, Vice President and BSA Officer, Central Bancompany
Brian Wimpling, CRCM, Consultant, American Bankers Association

4G:  Fair Lending Hot Topics  -Repeated from 3E and Repeated in 6G

4H:  Lessons Learned from Recent Consumer Protection Enforcement Actions -Repeated in 5H
​Enforcement actions offer valuable insight into regulator priorities and expectations and provide a roadmap for evaluting your compliance management system.  using a case study approach, we'll dign into the scope and breadth of notable and recent enforcement actions and discuss potential risk and key thems.  More importantly, we'll define a frameowrk for you to use to assess your own compliance risk exposure.

Moderator/Speaker:
Maggie Weir, CRCM
Vice President, Assistant General Counsel and Chief Compliance Officer, Cambridge Savings Bank​​

Speakers:  

Eric J. Mogilnicki, Partner, Covington & Burling LLP
Sarah Olthoff, Vice President, Corporate Compliance, Capital One
4I:  Credible Challenge as a Part of Enterprise Compliance Risk (Large Banks)   -Single Session
Heightened Standards has defined credible challenge as enhanced risk management for all banks and a regulatory requirement for large banks. This session will cover a range of approaches and ideas in how to best implement compliance credible challenge on an enterprise-wide level as an integral process of corporate governance within your organization​.

Moderator:
Christopher T. Spellman, CRCMSenior Vice President and Corporate Compliance Director, Heartland Financial USA, Inc.

Speakers:
Mary A. Clouthier, Vice President/Acting Director of Consumer Bank Compliance, US Bank, NA 
Robert L. Curry, CRCM, Chief Compliance Officer, KeyBank NA ​
Beth A. Skillman, CRMA, Crowe Horwath LLP
3:45 pm -
4:00 pm
Travel to Next Session
4:00 pm - 
5:15 pm
      
CONCURRENT SESSIONS: Series #5 (Nine Options)
5A:  Effective Testing and Monitoring of Controls  -Repeated in 6A
​​
Speakers:
María De Lourdes Jiménez, Esq.​, Senior Vice President and Manager, Corporate Compliance Director, Popular, Inc.
Richard Reynolds, CRCM, Partner, PriceWaterhouseCoopers
5B:  Lifecycle of Third-Party Risk Management  -Repeated in 6B
Is your third party risk management program up to par? Fresh insights will help you rethink your entire process.  You’ll hear the latest expectations for due diligence and oversight of your third parties. We’ll  provide tools that covers the entire process including risk rating, vendor's vendors, contract issues and ongoing monitoring red flags.​

Speakers:
Michele Sullivan, Risk Consulting Partner, Crowe Horwath LLP​
​Krisa Shonk, Vice President, Mortgage Finance and Senior Regulatory Counsel, American Bankers Association
Jeanni Stahl, Senior Vice President, Credit and Risk Management, Metapay
5C:  The Relationship Between Operational Risk and Compliance Risk  -Repeated from 4C

5D:  RESPA, LO Comp and Regulatory Enforcement:  Putting It All Together To Advise Your Mortgage Units   -Repeated from 4D
 
5E:  Military Lending Act:  New Obligations and Compliance Risks  -Repeated from 4E

5F:  On The Radar:  Critical Challenges in Managing AML/Fraud Risks  -Repeated from 4F

5G:  Overdraft Compliance:  A Lifecycle Approach to Managing Operational Pitfalls -Repeated from 3F

5H:  Lessons Learned from Recent Consumer Protection Enforcement Actions -Repeated from 4H

5I:  Strengthening Your Fortress:  Three Lines of Defense For Community Bankers -Repeated in 6E
A fortress is only as good as its lines of defense and this session will bring fresh perspectives on 
strengthening the community bank’s programs with evolving issues in the ownership, monitoring and auditing areas.We will provide solutions on developing and enhancing all 3 lines of defense including hot topics, identifying weaknesses, regulator expectations and due diligence.

Speakers:
Maureen E. Carollo, CRCM, CAMS, Senior Vice President, Compliance/CRA Officer, Great Plains National Bank
Elizabeth M. Snyder, CRCM, Senior Associate, Financial Services, Plante Moran
Christopher T. Spellman, CRCMSenior Vice President and Corporate Compliance Director, Heartland Financial USA, Inc.
5:15 pm -
6:15 pm
RECEPTION IN THE MARKETPLACE
​6:15 pm
- 7:15 pm
​CRCM Reception (for CRCMs Only)

Tuesday, June 14, 2016
7:00 am -
4:15 pm
REGISTRATION OPEN
7:15 am -
8:15 am
POWER BREAKFAST SESSIONS (Multiple Options)
Take full advantage of your conference experience!  Join one of our expert corporate partners for a quick-paced informative session all while enjoying a continental breakfast.  Seating is first-come, first-served - no reservations are required.
 
7:45 am -
8:15 am
CONTINENTAL BREAKFAST IN THE MARKETPLACE
8:15 am -
8:30 am
Travel to Next Session
8:30 am -
9:45 am
GENERAL SESSION:
It’s a Brave New World: Financial Innovation and Evolving Compliance Management 
Innovation! FinTech! Disruption!  How will consumers bank in five years?  Ten years? How will compliance professionals adjust CMS programs to adapt to innovative financial services delivery?  Hear how the compliance world is evolving from our panel of innovation teams at two large US banks and the compliance managers supporting them.   

Moderator:
Lyn Farrell, Managing Director, Treliant Risk Advisors

Speakers:
Chris Lucas, Compliance Director, Open Platform and Innovation, BBVA
Thomas J. Ryan, Managing Director, Citigroup
Adam Shapiro, Global C
hief Control Officer, Open Platform, BBVA​
Andres Wolberg-Stok
Director, Citi FinTech​

9:45 am - 
10:15 am
COFFEE BREAK IN THE MARKETPLACE
10:15 am - 
11:30 am
   
CONCURRENT SESSIONS: Series #6 (Nine Options)
6A:  Effective Testing and Monitoring of Controls  -Repeated from 5A

6B: ​ Lifecycle of Third-Party Risk Management  -Repeated from 5B

6C:  Swimming Yourself out of the New Flood Rules and Flood Issues   -Repeated from 3C

6D:  HMDA Rules Are Here; No Ifs Ands or Buts About It!  -Repeated in 7D
Are you thinking strategically about how to “plan now” and “not later” for the new HMDA data submission and collection requirements? Experts will provide leading practices and tactics on how to align all impacted areas of your organization from training, processes and procedures straight through to implementation.   

Moderator:
Jennifer Mazurek, CRCM
Senior Vice President and Compliance Manager, 
Camden National Bank   
Speakers:
Ellen K. Costa, HMDA 
Strategy Consultant, 
Wells Fargo
Robert G. Rowe (Rob), III, Vice President and Associate Chief Counsel, Regulatory Compliance, American Bankers Association

 

6E: Strengthening Your Fortress:  Three Lines of Defense For Community Bankers  -Repeated from 5I

6F:  Mitigating Operational Pitfalls in Credit Reporting  -Repeated in 7F
Rules governing furnishers responsibilities about reporting information to consumer reporting agencies (for both credit and deposit accounts) have been around for a while but we continue to see operational and compliance pitfalls. Join us to understand regulatory expectations as well as operational risk challenges in ensuring you report information accurately and completely. Managing disputes will also be covered.

Moderator:
Nessa Feddis, Senior Vice President, Deputy Chief Counsel, Center for Regulatory Compliance, American Bankers Association

Speakers:
Patricia Hartsfield-Davis, Consumer Practices Compliance Director, Fifth Third Bank 
Stuart PrattChief Executive Officer, Consumer Data Industry Association (CDIA)

Lynn A. Tarantino, CAMS, CRCMVice President, BSA and Compliance Officer, Cenlar FSB


6G:  Fair Lending Hot Topics  -Repeated from 3E and 4G  

6H:  
Optimizing Your Complaint Management Program -Repeated in 7H

As complaint management systems continue to evolve to meet regulatory expectations, our presenters will discuss how institutions optimize their program to improve customer experience scores, and provide critical data to UDAAP compliance and vendor management programs. Additionally, we will cover updated root cause analysis programs and data mining.


Moderator/Speaker:
Mark Westmoreland, Principal, Treliant Risk Advisors

Speakers:
Elizabeth M. Clarkson, CRCMSenior Vice President and Chief Compliance Officer, Umpqua Bank 
Mark Gomez, Vice President, Chief Operating and Customer Service Officer, American Express

6I:  Transitioning to CFPB Supervision:  What to Expect When You Are Expecting   -Single Session
The CFPB regulates institutions over $10 billion so if you are approaching that threshold, plan to attend this session!  Hear from industry experts about how the Bureau is organized and what you can do to help make a smooth transition.  Learn about expectations and pitfalls to avoid to build a transparent working relationship with your new regulator.

Moderator:
Barbara Brown, Senior Vice President, Consumer Lending Compliance, Regions Bank

Speakers:
Paul R. Osborne, CPA, CPO, AMLP, Partner, Crowe Horwath LLP
Randall Patton, CRCMDirector, Compliance, MidFirst Bank 

11:30 am -
1:00 pm
BUFFET LUNCH IN THE MARKETPLACE
1:00 pm -
2:15 pm
               
CONCURRENT SESSIONS: Series #7 (Nine Options)
7A: Compliance's Role in Mitigating Internal and External Risks of Data Breaches   -Single Session 
Data breaches have become too common and more public.  This session will focus on the elements of an effect data breach program including controls and monitoring, breach identification, customer and regulator communication, responding to media inquiries, and performing post-event lessons learned.​

Moderator:
Mike Dosedel, Compliance and Operational Risk Manager, Wells Fargo Home Lending Group, Wells Fargo
Speakers:
Daniel Goldstein, Senior Director, Treliant Risk Advisors

7B:  INTERACTIVE DISCUSSION:  What To Do When Your Vendors Say No - Case Studies in Managing Vendor Relationships   -Repeated in 8B

​Moderator:
Krista Shonk, Vice President, Mortgage Finance and Senior Regulatory Counsel, American Bankers Association​

Speakers:
​Michael A. Cavallaro, Partner,  Lindquist & Vennum LLP
Greg Matthews, KPMG
Jeanni StahlSenior Vice President, Credit and Risk Management, Metapay
7C:  What's Hot and What's Not in Commercial Lending Compliance -Repeated from 3D

7D:  HMDA Rules Are Here; No Ifs Ands or Buts About It!   -Repeated from 6D

7E:  CDD/EDD:  New Rule or No New Rule - Your Obligations? -Repeated in 8E

Speakers:
Maleka Ali, CAMS-Audit, Director of Consulting, Banker's Toolbox, Inc.

7F:  Mitigating Operational Pitfalls in Credit Reporting  -Repeated from 6F

7G:  Construction Loans and TRID: Are You Open For Business? -Repeated in 8D
One of the biggest challenges for lenders in the new disclosure regime is the proper disclosure of residential construction loans under KBYO/TRID.  This panel will offer practical considerations and ways to overcome any limitations of seeking compliant disclosures, whether you offer one or two time loan closings.​

Moderator:
Jennifer Mazurek, CRCM
Senior Vice President and Compliance Manager, 
Camden National Bank​​
 
Speakers:
​Richard Horn, Founding Attorney, Richard Horn Legal PLLC
Jerod Moyer, Consultant, Banker's Compliance Consulting
Tracy Sanderson, MML, CME, CMI, Vice President, Policy and Training Manager, Morgage Banking, Banner Bank

7H:  Optimizing Your Complaint Management Program -Repeated from 6H

7I:   Model Risk/Model Validation - For Small and Medium Size Institutions  -Repeated in 8C
Examiners now expect banks of all sizes to comply with the 2011 supervisory guidance on model risk management.​ Community and mid-size bankers are asking how far they have to go to meet these expectations. Our experts will provide their unique experienced-based insights and tactics.​

Speakers:
Mark Levonian, Managing Director and Glboal Head for Enterprise Economics and Risk Analysis, Promontory Financial Group LLC
Ann Marie Tarantino CRCM, CRP, AMLP, Senior Vice President and Chief Compliance Officer, Esquire Bank ​
2:15 pm -
3:00 pm
FINAL DESSERT BREAK IN THE MARKETPLACE
​​​​​​​​​3:00 pm -
4:15 pm
          ​ ​ ​ ​ ​ ​ ​ ​ ​

CONCURRENT SESSIONS: Series #8  (Nine Options)

8A:  Exam Management:  It Doesn't Have to Be an Oxymoron   - Single Session
This session will focus on strategies and approaches to control what seems to be uncontrollable.  Whether it be scrutiny by regulators or auditors; whether directed at your program, or your bank’s transactions or, (gasp) of your technology vendor (and therefore out of your direct control), we are here to help.  The session will focus on proper preparation, affable attitudes, disagreeing diplomatically, and other tactical techniques for success.  ​

Moderator/​​Speaker:
Maureen E. Carollo, CRCM, CAMS, Senior Vice President, Compliance/CRA Officer, Great Plains National Bank

Speakers:
Stuart J. Lehr, CRCM, Head of Global Regulatory Compliance, Finacle, Infosys Limited 
Elizabeth M. Snyder, CRCM, Senior Associate, Financial Services, Plante Moran

8B:  INTERACTIVE DISCUSSION:  What To Do When Your Vendors Say No - Case Studies in Managing Vendor Relationships   -Repeated from 7B

8C:  Model Risk/Model Validation - For Small and Medium Size Institutions  -Repeated from 7I

​8D:  Construction Loans and TRID:  Are You Open For Business? -Repeated in from 7G

8E:  CDD/EDD:  New Rule or No New Rule - Your Obligations -Repeated from 7E

8F:  Consumer Protection Peer Exchange - Single Session
Share ideas and solutions with your peers seated by asset size.  You’ll receive consumer protection discussion topics and experts will float to facilitate conversations.  You set the agenda - there will be no lecture and no handouts.  Not open to non-bankers or the press.  Government attendees can participate by sitting at their own designated tables.

8G:  Lending Peer Exchange - Single Session
Share ideas and solutions with your peers seated by asset size.  You’ll receive lending discussion topics and experts will float to facilitate conversations.  You set the agenda - there will be no lecture and no handouts.  Not open to non-bankers or the press.  Government attendees can participate by sitting at their own designated tables.
8H:  Compliance Management Peer Exchange - Single Session
Share ideas and solutions with your peers seated by asset size.  You’ll receive compliance management discussion topics and experts will float to facilitate conversations.  You set the agenda - there will be no lecture and no handouts.  Not open to non-bankers or the press.  Government attendees can participate by sitting at their own designated tables.
​8I:  Cyber Risk/Payments Risk/AML Risk/Fraud Risk Peer Exchange  - Single Session
Share ideas and solutions with your peers seated by asset size.  You’ll receive cyber risk, payments, AML, and fraud discussion topics and experts will float to facilitate conversations.  You set the agenda - there will be no lecture and no handouts.  Not open to non-bankers or the press.  Government attendees can participate by sitting at their own designated tables.
4:15 pm

Adjourn for the Day

Attendees May Opt to Participate in our "Tuesday Night on the Town" Baseball Event.   Limited Tickets Available.  Click Here for More Information. 


Wednesday, June 15, 2016
7:00 am -
12:30 pm
REGISTRATION OPEN
7:00 am -
8:00 am

POWER BREAKFAST SESSIONS (Multiple Options)
Take full advantage of your conference experience!  Join one of our expert corporate partners for a quick-paced informative session all while enjoying a continental breakfast.  Seating is first-come, first-served - no reservations are required.

Wednesday Power Breakfast #1:  Sponsored by:  Institute of Certified Bankers
CRCM Information Session
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.   

Speakers:
Dr. Eric Belsky, Director, Division of Consumer and Community Affairs, Board of Governors of the Federal Reserve System  
Kimberly G. HebbDirector for Compliance Policy, Office of the Comptroller of the Currency​
Mark Pearce
, Director, Division of Depositor and Consumer Protection, Federal Deposit Insurance Corporation 
Peggy Twohig, Assistant Director for Supervision Policy, Consumer Financial Protection Bureau

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.   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 
Paul Mondor, Managing Counseil in the Office of Regulations
Peggy Twohig, Assistant Director for Supervision Policy

Regulator Town Hall: OCC
Kimberly G. Hebb, Director for Compliance Policy

Regulator Town Hall: FDIC
Mark Pearce, Director, Division of Depositor and Consumer Protection

Regulator Town Hall: FRB
Dr. Eric Belsky, Director, Division of Consumer and Community Affairs

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

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