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

See What Happened at the Conference in 2014

 
The 2015 preliminary program will be announced in mid-February, 2015. Bookmark this page to check back for updates. At this time, we have not made a decision with regards to which pre-conference workshop topic(s) we will offer, so watch this page for information regarding our add-on pre-conference workshops.
The 2014 program below will give you an idea of the breadth of the program you can expect in 2015.

Who Should Attend:   
  • Bank Compliance Officers
  • Compliance Risk Managers
  • In-House and Outside Counsel
  • Bank Auditors, Examiners and Regulators
  • Compliance Consultants and Service Providers
 
Saturday, June 7, 2014 - Pre Conference Workshops
ALL DAY Pre Conference Workshop #1:  Fair Lending Workshop 2.0:  Beyond the Basics
ALL DAY Pre Conference Workshop #2:  Life Cycle of Third Party Risk Management

Sunday, June 8, 2014

8:00 am
-7:30 pm

Registration Open
9:00-9:45 am New Attendee Welcome
If you are new to the Conference, please get a newcomers ribbon from the registration area so we can identify you and welcome you.    Also, stop by this optional 45 minute newcomer session where you will hear tips on how to take advantage of the vast conference resources.  This optional welcome briefing is open to all first-time attendees who plan on attending the educational offerings. 
10:00 am-Noon   Deep Dive Expanded Sessions (Three Options)
Deep Dive #1: Building Blocks of an Effective Compliance Risk Management Framework
- For Large Banks
While we’ve moved beyond the basics of establishing an effective compliance risk management framework, the hard work begins in refining your framework to achieve desired results.  Issues surrounding roles and responsibilities especially how the first, second and third lines of defense interact must be continually fine-tuned.  This session will provide bankers, who work for large institutions, ideas on designing an effective compliance risk management framework.  Seasoned executives from large and regional institutions will discuss ideas on the components of an effective framework and how to evaluate and monitor your framework for maximum effectiveness.  They will also discuss navigating culture issues, including accountability, risk ownership and reporting.  You’ll walk away with ideas from which you can benchmark your own framework against those from leading practitioners.
Moderator: 
Lyn Farrell, CRCM, CAMS, AMLP, Managing Director, Treliant Risk Advisors LLC

Speakers:

Sterling W. Hening, CRCM, Vice President, Compliance, Capital One Bank (USA), NA 
Yvette Hollingsworth, Executive Vice President, Chief Compliance Officer, Wells Fargo
Sharri L. Logsdon, Compliance Executive, Consumer and Business, Regions Financial Corporation

Deep Dive #2: Building Blocks of an Effective Compliance Risk Management Framework
- For Medium Size Banks
The CFPB expects regulated institutions to have a compliance management system adapted to its business strategy and operations.  Banks are expected to comply with financial laws and regulations and have a program to prevent and address instances of consumer harm.  This session will discuss basic regulatory expectations as well as emerging leading practices that will assist compliance professionals in maintaining such a program in the unique environment of a mid-size bank.

Moderator: 
Jeffrey A. Asher, CRCM, CAMS, Senior Vice President, FirstBank Holding Company

Speakers:

Kimberly G. Hebb, CAMS, Director for Compliance Policy, Office of the Comptroller of the Currency Cara C. James, CRCM, Senior Vice President and Director of Compliance, Arvest Bank
María De Lourdes Jiménez, Esq., Senior Vice President and Division Head, Corporate Compliance Division, Popular, Inc.

Deep Dive #3: Building Blocks of an Effective Compliance Risk Management Framework
- For Community Banks
Regulators are now expecting and testing for strong Compliance Risk Management (“CRM”) programs, even in the smallest of community banks.  A strong compliance risk framework can help you to manage the workload arising from the myriad of regulatory changes over the past few years.  Let David Dickinson and Jim Bedsole walk you through the blueprint of an effective CRM program.

Moderator
:
Sandra K. Chapman, CRCM (Sandy), Senior Vice President, Chief Compliance Officer, Busey Bank

Speakers:

Jim Bedsole, CRCM, CBA, CFSA, Chief Compliance Officer, BankSouth
David A. Dickinson, CRCM, President, Banker's Compliance Consulting
Noon-2:00 pm Lunch on Your Own
 2:00-3:15 pm             Concurrent Sessions:  Series #1  (Eight Options)
1A: Flood Insurance: Where Are We Now and Where Are We Going?  Repeated in 2A
Big changes are coming in the flood area and in this session, you will hear a complete status update on pending and current flood insurance regulatory changes as well as issues surrounding implementation of the Biggert-Waters Act.  You will hear effective dates for changes along with details of the specific requirements.  Also, speakers will discuss policy and procedure changes and training that will need to be implemented at your bank now, along with what we project will be the timeline for future changes.   

Moderator/Speaker:

Virginia O'Neill, Vice President, Assistant Chief Counsel for Regulatory Compliance, Center for Regulatory Compliance, American Bankers Association,

Speakers:

Randall B. Reed, Assistant General Counsel, Wells Fargo Law Department
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.
1B: The Hottest Topics in HR Compliance  Repeated in 2B
The intersection of human resources and regulatory compliance can present significant challenges for financial institutions.  Learn what to look for and how to partner with your HR team to avoid common pitfalls

Moderator:

Sharri L. Logsdon, Compliance Executive, Consumer and Business, Regions Financial Corporation

Speakers:

Christinne L. Johnson, CRCM, Executive Vice President, FirstBank Data Corporation
Stacey McDuffa Turner, Manager of Human Resources Risk Management and Employment Counsel Vice President, Regions Bank
1C: Oops We Screwed Up!   What To Do When You Find Something Yourself:
General Remediation Issues 
Repeated in 2C
The good news: Your detective monitoring works; the bad news: you’re identified a control breakdown that has business and customer impacts … now what do you do?  This session will focus on next steps and important considerations of a remediation process including assessment, root cause, potential customer harm, restitution, escalation, employee actions and other key remediation activities.  The session will also discuss impacts from the recent CFPB’s Responsible Business Conduct bulletin including discussion of self-reporting, the need for timely action and opportunities to mitigate potential enforcement action.
Moderator for 1C:  Christopher T. Spellman, CRCM, Senior Vice President and Corporate Compliance Director, Heartland Financial USA, Inc.
Moderator for 2C:  Michael Dosedel, Senior Vice President and Wells Fargo Home Mortgage Compliance Manager, Wells Fargo Home Mortgage

Speakers:
Elliot H. Berman, Principal, Bowtie Advisors, LLC
F. John Podvin, Of Counsel, Haynes and Boone, LLP  

1D: Current Trends and Threats in Cyber Security  Repeated in 2D
With the advent of “smart” devices and electronic convenience, the dynamics of the type of risks in banking have changed significantly.  How do you plan for such potential risks?  What are the emerging cyber-threats you should be concerned about?  In this session we will discuss the top three emerging internal and the top three external cyber threats to your institution and how you prepare for them.

Moderator/Speaker:

Debra J. Geister, Senior Vice President, AML and Fraud, MetaBank

Speakers:

Michael B. Benardo, Chief, Cyber Fraud and Financial Crimes Section, Division of Risk Management Supervision, Federal Deposit Insurance Corporation
Jonathan Jackson, Information Security Manager, Metabank

1E: Change Management  Repeated in 2E
Managing change within your institution can no longer be an informal process.  From regulators asking to see your process to the onslaught of new regulations demanding a formalized process, a formal approach to change ensures a strong risk management program.  This session will explore leading practices in executing a successful enterprise change management process, using regulatory change as the primary focus for the discussion.  Our experts will discuss:
  • Who are the stakeholders and defining what is change for the stakeholders;
  • Making it work - success stories or not-so successful stories, or lessons learned;
  • Strategies for rolling it out;
  • Using technology to make it work (or do you need a fancy system at all?);
  • Recordkeeping and reporting;
  • One size does not fit all.
Moderator/Speaker:
Mary A. Clouthier, Vice President and Director of Consumer Bank Enterprise Compliance, US Bank, NA

Speakers:
Scott A. Almy, Executive Vice President, Chief Risk Officer and General Counsel, ViewPoint Bank, NA
Susanna K. Tisa,  Chief Business Officer, Treliant Risk Advisors LLC
 
1F:   Payments 2014:  Emerging Regulatory Concerns  Repeated in 2F
Experts will discuss not only new payment products and their potential compliance risks, but they will also delve into the new risks associated with existing products.  From mobile wallets to pre-paid cards to virtual currency to remote deposit capture – we’ll cover it all. 

Moderator:
Stephen K. Kenneally, CFE, AAP, Vice President, Center for Regulatory Compliance, American Bankers Association

Speakers:
Erin Fonte, CIPP, Shareholder, Cox Smith
Deborah S. Thoren-Peden, Partner, Pillsbury Winthrop Shaw Pittman LLP
1G: Is This UDAAP or Not? Case Studies in Managing UDAAP at Your Institution
Repeated in 2G
UDAAP compliance is tricky.  While there are definitions of “unfair”, “deceptive” and “abusive”, there is not much guidance on how to apply them in real life financial services situations.  In this interactive session, regulatory experts will use case studies to illustrate how to analyze products, marketing and servicing issues for UDAAP compliance.

Moderator/Speaker: 

Lyn Farrell, CRCM, CAMS, AMLP, Managing Director, Treliant Risk Advisors LLC

Speaker:
Gregory L. Imm, Senior Vice President/Chief Compliance Officer and Director, Community Affairs/Fair Lending and Responsible Banking, Fifth Third Bank

1H: HMDA – Same Song, New Verse  Repeated in 3F
We all knew it was coming and now it’s just about here!  The speakers for this session will discuss the long-awaited changes to HMDA data requirements, as well as the new data collection requirements for small businesses.  You will hear about what you can do NOW to get ready for these changes.  And, as we plan for all these new changes, we can’t forget about the importance of current data integrity submission requirements.  This session will provide you with information, ideas, and tips for managing current HMDA requirements, as well as how to begin planning for the changes coming in the near future.
Moderator:
Cindy Williams, CRCM, AAP, Compliance Consultant, Wells Fargo Regulatory Risk Management

Speakers:

Ana M. Foster, CRCM, Vice President, Risk and Compliance Officer, Cambridge Trust Company 
Rick Freer, Senior Director, Exam and Compliance Programs, ABA Center for Regulatory Compliance, American Bankers Association
Lucy H. Griffin, President, Compliance Resources, Inc.
3:15-3:30 pm Travel to Next Session
3:30-4:45 pm                 Concurrent Sessions:  Series #2 (Eight Options)
2A: Flood Insurance: Where Are We Now and Where Are We Going?  Repeated from 1A
2B: The Hottest Topics in HR Compliance Repeated from 1B
2C: Oops We Screwed Up!   What To Do When You Find Something Yourself:
General Remediation Issues 
Repeated from 1C
2D: Current Trends and Threats in Cyber Security  Repeated from 1D
2E: Change Management  Repeated from 1E
2F:  Payments 2014: Emerging Regulatory Concerns  Repeated from 1F
2G: Is This UDAAP or Not? Case Studies in Managing UDAAP at Your Institution 
Repeated from 1G
2H: Partners in Preventing Senior Financial Abuse and Exploitation  Repeated in 3C
In 2011, the first of the baby boom generation reached what used to be known as retirement age. For the next 18 years, boomers will be turning 65 at a rate of one every 8 seconds. With the “Silver Tsunami” gaining steam, seniors represent a growing share of the American population. This session will feature partners in preventing senior financial abuse and exploitation, including consumer educators, regulators and other bankers.  Panelists will highlight current trends in senior financial abuse and exploitation, including an update on SARs reporting and interagency guidance.  Finally, banking peers will discuss their strategies for consumer education and frontline training to better serve their senior customers and prevent senior financial abuse.

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

Speakers:
Jilenne Gunther, Senior Strategic Policy Advisor, Public Policy Institute, AARP
Shelly L. Jackson, Ph.D., Financial Fraud and Abuse Visiting Fellow, Office for Victims of Crime, US Department of Justice
Celie C. Niehaus, CRCM, Managing Vice President, Corporate Compliance, Capital One
4:45-5:00 pm Travel to Next Session
5:00-6:15 pm General Session  
Leading Practices in Responding to Your Customers:
Learning from the Past and Recommendations for the Future
Join us on a journey through time as we consider complaint management as it has evolved through the ages, revealing leading practices that you can put to use today – and for the future.

Speakers:
Lucy H. Griffin, President, Compliance Resources, Inc.,
Chuck D. Lewis, CRCM,Vice President, MBA Compliance Services, Missouri Bankers Association
Stuart J. Lehr, CRCM, Industry Principal - Finacle, Infosys Technologies Ltd.
Michael D. Maher, CRCM, Executive Vice President – Consumer Lending, Cross Group Compliance and Operational Risk, Wells Fargo Consumer Lending Group
6:15-7:30 pm Opening Reception in the Marketplace
-Reception Sponsored by:  Corporation for American Banking
 
Monday, June 9, 2014
7:00 am
- 6:30 pm
Registration Open
7:30-8:30 am Power Breakfast Sessions (Three Options)

#1: Online Banking for Everyone: How and Why Leading Banks are Ensuring That People with Disabilities Can Use Their Online Services

-Sponsored by:  Deque Systems
Several leading banks have a digital accessibility initiative in place.  Why did they do it?  What have they accomplished?  What were the lessons learned?  Join Preety Kumar, CEO of Deque Systems and digital accessibility expert, and Minh Vu, partner at Seyfarth Shaw, LLP and the leader of the Firm’s ADA Title III Specialty Practice Team, for an illuminating Power Breakfast session covering: 
  • How inaccessible web pages and mobile apps affect users;
  • The facts about non-compliance risk and consequences;
  • Best practices for developing an accessibility initiative, including monitoring and testing your web content and mobile applications, third party management, and complaint handling;
  • Practical steps for establishing a digital accessibility program.

Speakers:
Preety Kumar, CEO of Deque Systems
Minh Vu, Partner, Seyfarth Shaw, LLP

#2: CFPB Examination and Enforcement Trends: Beyond Mortgages
-Sponsored by: BuckleySandler LLP
Three years after the Consumer Financial Protection Bureau's entrance into the supervision and enforcement of consumer protection laws, the Bureau continues to rapidly shape the landscape for offering and servicing consumer financial products and services. Bankers and their service providers still consider compliance efforts under the CFPB’s supervision to be one of the most challenging tasks their institutions face. Many retail banks and their service providers have devoted the first half of 2014 to implementing and complying with the new mortgage rules. However, the CFPB has been very active in other areas of consumer financial services in 2013 and 2014, including ancillary products, indirect auto finance, practices related to overdraft services, student lending and servicing, vendor management, and debt collection. Have you heard about the supervisory and enforcement developments in these areas? Are your business practices similar to those who have fallen under the Bureau's scrutiny? Discussion will include:
  • Recent developments in compliance examinations;
  • New interpretations and applications of existing consumer protection laws and regulations;
  • Lessons learned from public enforcement actions by the CFPB;
  • What common business practices are under CFPB scrutiny.
Moderator:
Andrew L. Sandler, Chairman and Executive Partner, BuckleySandler LLP
 
Speakers:
Kirk D. Jensen, Partner, BuckleySandler LLP
Andrea K. Mitchell, Partner, BuckleySandler LLP
John C. Redding, Partner, BuckleySandler LLP
 
 
#3:  The Latest Trends in Vendor Risk Management
 -Sponsored by:  Fortrex Technologies, Inc.
In recent months the FFIEC, CFPB, OCC and FDIC all have issued regulatory guidance regarding Vendor Risk Management (VRM).  Areas such as chain of responsibility, contract negotiation, and subcontractor risk have come to the forefront. Clearly the examiners’ heightened expectations for Vendor Risk Management will become self-evident in your next safety and soundness exam. Is your bank prepared?  Are you overwhelmed by the tremendous burden of Vendor Risk Management?  Join us for a breakfast discussion of the latest trends in vendor risk management and learn how the industry’s first Compliance Information Exchange helps CEOs, CIOs, CROs, and Vendor Risk Managers efficiently and effectively manage vendor risk while reducing the compliance burden.

Speakers:
J. Michael Edison, Chief Executive Officer, Fortrex Technologies
Tasha Liddell, Vendor Risk Manager, Trustmark National Bank
 
8:00-8:30 am
Continental Breakfast in the Marketplace
8:30-8:45 am Travel to Next Session
8:45-10:15 am General Session:
QM 2014: You've Threaded the Ability-to-Repay Needle (Or Not): Now What? 
A year ago experts walked you through what they believed would be the impacts of the Dodd-Frank rules on mortgage lending from a “macro” housing market view to potential compliance challenges.  So, a year later, did those predictions come true?  Join us as we check in on what actually have been the impacts of the new mortgage rules now that we’re six months past the implementation date.  We’ll discuss:  market-related impacts;  unintended consequences, if any, and, overall, how have compliance and lending operations managed the implementation.   After this overview session, you will have the opportunity to choose from several mortgage compliance sessions which will drill down to specific  compliance concerns and how to mitigate those risks.

Moderator:
Jo Ann S. Barefoot, Chief Executive Officer, Jo Ann Barefoot Group

Speakers:

Leonard N. Chanin, Partner, Morrison & Foerster LLP
Bruce W. Schultz, Senior Vice President, Secondary Mortgage, SpiritBank 
Cheryl L. Snyder, Senior Vice President, Head Retail Banking, Park National Bank
10:15-10:45 am Coffee Break in the Marketplace
10:45 am-Noon         Concurrent Sessions:  Series #3 (Seven Options)

3A: Model Governance:  It's Not Just for Quants!   Repeated in 4A
This session will provide an overview of model risk management and governance, considering the roles of model validation and governance staff, compliance officers, internal audit, business line managers, and senior staff. Learn about how models are identified, inventoried, assessed, and reviewed on schedule in line with the recent, major supervisory guidance (SR 11-7 / OCC 2011-12).

Moderator:
Michael Dosedel, Senior Vice President and Wells Fargo Home Mortgage Compliance Manager, Wells Fargo Home Mortgage

Speakers:
Smita Chaturvedi, Vice President, Enterprise Risk Management, Comerica Bank
Donna DeMartino, Senior Director, Forensic Technology Services,  Global Forensic and Dispute Services, Alvarez & Marsal, LLC

3B: What You Need to Know About Servicing   Repeated in 4B
The servicing business is rapidly evolving-- from ever changing investor requirements, to new compliance responsibilities and borrower rights, to unfavorable capital treatment for servicing rights.  This session will explore the full range of compliance challenges that have evolved since the new rules took effect and how you should address them.  
Moderator/Speaker:
Krista Shonk, Vice President, Mortgage Finance, Senior Regulatory Counsel, American Bankers Association

Speaker:
Linda Gallagher, Managing Director and Global Head of Consumer Protection Practice, Promontory Financial Group
3C:  Partners in Preventing Senior Financial Abuse and Exploitation Repeated from 2H
3D: Emerging Issues in BSA and Fraud   Repeated in 4E
In this session, you will hear from two industry experts who will discuss some of the top emerging issues in the BSA and Fraud environment and provide perspectives on how banks, large and small, should prepare for and manage/mitigate these issues.

Moderator:

Neal P. Barrow, Senior Vice President and Retail/Consumer Compliance, Executive, Bank of America NA  

Speakers:

Paul Dougherty, Senior Global Financial Crimes Compliance Executive, Bank of America, NA  
Brian J. Wimpling, Senior Vice President, Corporate Compliance - BSA, Capital City Bank
3E: Managing the Compliance Risk of Today's Mortgage Loans   Repeated in 4F
Regardless of the type of mortgage lending you do (QM/Non-QM), the ability-to-repay requirement is something that all bankers have to manage carefully.  This session will walk you through how to manage the risk presented in your mortgage lending area by outlining leading practices and addressing key issues and risks like:
  • Prescriptive underwriting standards initiated by 3rd parties;
  • Impacts within your organization;
  • Impact on your current loan portfolio;
  • Long term implications and record retention.
We’ll discuss common pitfalls and ideas to help you avoid them to insure your mortgage lending operations are compliant with the new mortgage requirements.
 
Moderator:
Christopher T. Spellman, CRCM, Senior Vice President and Corporate Compliance Director, Heartland Financial USA, Inc.

Speakers:

Melissa Downey, Vice President, Senior Compliance Manager, U.S. Bank Consumer Banking Compliance
Jerod Moyer, CRCM, Banker's Compliance Consulting
Elizabeth M. Snyder, CRCM, Associate, Financial Institutions Practice, Plante Moran
3F: HMDA – Same Song, New Verse   Repeated from 1H
3G: How Do You Deal With People's Short Term Liquidity Needs?
Regulatory Issues and Tensions 
Repeated in 5F
Getting small dollar loans to people, especially those who lack access to or find challenging to manage mainstream small dollar loans has been a perennial and frustrating endeavor. Many people willingly understand, choose, and value options such as pay day loans, direct deposit advance products, and overdraft products, but are there better options that might accommodate their needs, allow them to move up in banking products  --  and allow the bank to make a profit and comply with regulators’ expectations? This program will discuss regulatory expectations and concerns with regard to small dollar loan products and explain what the goals and features of small dollar loans might be – without running into compliance headaches.

Moderator/Speaker:

Nessa E. Feddis, Senior Vice President, Deputy Chief Counsel Consumer Protection and Payments, Center for Regulatory Compliance, American Bankers Association

Speakers:

Jeanne M. Hogarth, Vice President, Policy, Center for Financial Services Innovation
Noon-1:45 pm

Seated Luncheon Speaker
-Luncheon sponsored by: Wolters Kluwer Financial Services

Featuring:  
Steven L. Antonakes, Deputy Director and Associate Director for Supervision, Enforcement, and Fair Lending, Consumer Financial Protection Bureau (CFPB)

 1:45-2:30 pm Dessert Break in the Marketplace 
 2:30-3:45 pm             Concurrent Sessions: Series #4 (Eight Options)
4A:  Model Governance: It's Not Just for Quants!  Repeated from 3A
4B: What You Need to Know About Servicing  Repeated from 3B
4C: Legal Risk  Repeated in 6F  (New!)
Legal risk has been swept into the operational risk umbrella  for tracking, trending and reporting to boards of directors.  Join this discussion on regulatory expectations, thoughts and stories from the field on creating processes that work (and don’t work) as you face the conundrum of moving legal risk beyond the exclusive purview of the lawyers and integrating it into your risk profile.   Even if legal risk is not currently in your compliance unit’s area of responsibility, this session will still be useful as it is important to understand the legal risks that impact compliance and how to manage them.

Moderator:
Dawn Causey, CRCM, General Counsel, American Bankers Association
Speakers:
Joanne T. Campbell, CRCM, Executive Vice President of Risk Management, Camden National Bank
Holly A. Ford, Risk Management Consulting
4D: Leading Practices in Debt Collection  Repeated in 5D
The landscape and oversight of debt collection practices are changing with the CFPB’s initiation of the rulemaking process. Although new rules are unlikely to be finalized until sometime in 2015, the regulatory landscape is already changing. From the OCC’s expectations for debt sale “leading practices” to CFPB examinations and enforcement actions, there are strong signals about operational, compliance, and vendor management changes you should consider making now to help you get ahead of the curve. We’ll help you anticipate how your bank’s debt collection process, communication strategies, and oversight of third-party debt collectors may need to change to achieve compliance and operational excellence.

Moderator/Speaker:

Virginia E. O'Neill, Vice President, Assistant Chief Counsel for Regulatory Compliance, Center for Regulatory Compliance, American Bankers Association
Speakers:
Denise Irene Cross, Senior Receivables Solutions Consultant, LexisNexis Risk Solutions
John L. Culhane, Jr., Partner, Ballard Spahr LLP
Dan Erhard, Senior Director, Associate General Counsel, Legal Loss Mitigation (Litigation), Capital One
4E: Emerging Issues in BSA and Fraud   Repeated from 3D
4F: Managing the Compliance Risk of Today's Mortgage Loans   Repeated from 3E
4G: Complaint Management- Small Bank Single session
Our panel of community bankers will discuss how they have met the challenges of complaint management within their own institutions and they will discuss how they have successfully:
  • Met regulator expectations for a community bank complaint program;
  • Created a definition of “complaint” that works across the enterprise;
  • Instituted a formalized complaint tracking program;
  • Created meaningful board reports; 
  • Cultivated participation in the complaints program from the rest of the bank.
Moderator:
Nicole R. Peoples, CRCM, Vice President and Compliance Manager, Metcalf Bank  

Speakers:

Maureen E. Carollo, CRCM, Senior Vice President, BSA Officer and Associate Director of Compliance, Bank SNB, N.A.
Nancy E. Justice, CRCM, Senior Vice President, Compliance, Central Bancompany
Vicki L. Stec, CAMS, CRCM, Senior. Vice President, Compliance and Bank Secrecy Act Officer, Northwest Savings Bank

4H: Lessons Learned from Recent Fair Lending Cases  Repeated in 5H
Fair lending continues to be a thorny issue for banks of all sizes.    Our panel of legal and banking experts will discuss the most recent fair lending cases from the banking regulatory agencies and the Department of Justice and will offer both legal and practical lessons to be learned from them.

Moderator:
Carl G. Pry, CRCM, CRP, Managing Director, Treliant Risk Advisors

Speakers:

Cara C. James, CRCM, Senior Vice President and Director of Compliance, Arvest Bank
Andrew L. Sandler, Esq., Chairman and Executive Partner, BuckleySandler LLP

3:45-4:00 pm Travel to Next Session
4:00-5:15 pm                 Concurrent Sessions: Series #5 (Eight Options)

5A: CRA Success Stories- Large Bank  Single Session
The mechanics of a good CRA program and process create the foundation for a successful performance evaluation. During this session we will discuss common themes that can help you continue to have successful community reinvestment performance even in a changing landscape of new mortgage regulatory requirements, other changes that may be coming, and enhanced community development opportunities provided by the revised interagency CRA questions and answers.  This session is designed for large banks.

Moderator/Speaker:

Stephen M. Cross, Senior Director, Consulting and Advisory Services, Wolters Kluwer Financial Services

Speakers:
Vonda J. Eanes, District Community Affairs Officer (NBE), Office of the Comptroller of the Currency
Amy R. Howcroft, Senior Vice President, Manager CRA Compliance, PNC Bank
Bobbie Salgado, Deputy Vice President, CRA Strategy and Operations, Corporate Social Responsibility, Union Bank, NA

5B: CRA Success Stories- Small Bank   Single Session
The mechanics of a good CRA program and process create the foundation for a successful performance evaluation. During this session we will discuss common themes that can help you continue to have successful community reinvestment performance even in a changing landscape of new mortgage regulatory requirements, other changes that may be coming, and enhanced community development opportunities provided by the revised interagency CRA questions and answers. This session is designed for small banks.

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

Speakers:
Catherine M. J. Gates, Senior Project Manager, Division of Consumer and Community Affairs, Board of Governors of the Federal Reserve System
Cara L. Quick, CRCM, Vice President, Compliance, First Hope Bank NA  
Bonita G. Jones, President, Bonita Jones & Associates, LLC

5C: Understanding Disparate Impact Risk  Repeated in 7F
Much of the fair lending news during the past year has involved non-mortgage loans. In this session panelists will discuss current fair lending issues for non-mortgage lending including indirect auto lending, credit cards, consumer loans and student loans.  The discussion will include disparate impact analyses and the use of proxies as well as practical advice about:
•        whether to proactively remediate loans,
•        conduct fair lending look backs and
•        how to proactively handle fair lending issues in non-mortgage portfolios.

Moderator:
Sharri L. Logsdon, Compliance Executive, Consumer and Business, Regions Financial Corporation

Speakers:

Marsha Courchane, CRE, Ph.D., Vice President and Practice Leader, Financial Economics, Charles River Associates
Kirk D. Jensen, Partner, BuckleySandler LLP
Daniel D. Soto, CAMS, Chief Compliance Officer, Ally Financial Inc.,

5D: Leading Practices in Debt Collection  Repeated from 4D
5E: Complaint Management- Large Bank  Single Session
Complaint management becomes more important every year for large financial institutions.  Since the CFPB solicits complaints from the public, it’s important to cultivate information from your own customers before they complain to regulatory agencies.  Our panel of large bank experts will drill down into complaints management and discuss how they have successfully established a program within their own banks.  We will focus also on how technology can improve the quality and efficiency of complaint data collection, resolution and reporting.

Moderator:
Lyn Farrell, Managing Director, Treliant Risk Advisors LLC

Speakers:

William E. Askew, Senior Executive Vice President, Strategic Initiatives and Service Quality, Regions Bank
Lucinda (Cindy) K. Reeves, CRCM, Executive Vice President, Frost Bank   
Kathleen (Kat) Sanchez, Director, Regulatory Compliance, Treliant Risk Advisors
5F: How Do You Deal With People's Short Term Liquidity Needs?
Regulatory Issues and Tensions 
Repeated from 3G

5G: The Right Tool for the Job:  Effective 2nd Line of Defense Compliance Testing
Repeated in 6G
Compliance testing is a key component of an effective compliance management program and when implemented well can be a powerful tool for business line management to understand risk exposure. However, implementing an effective program in today’s increasingly complicated and challenging regulatory and competitive environment is a challenge for all banks, large and small. Session attendees will be able to recognize the impact of evolving regulatory compliance testing expectations, identify essential testing program elements, and describe leading practices for designing, implementing and maintaining effective testing programs.

Moderator:
Sterling W. Hening, CRCM, Vice President, Compliance , Capital One Bank (USA) NA

Speakers:
Bridget J. Phillips, CRCM, CAMS, Group Manager, ERM Compliance Training, Capital One Financial Corp.  
Scott H. Pope, CRCM, Senior Director, Compliance Review and Risk Program, First National Bank of Omaha

5H: Lessons Learned from Recent Fair Lending Cases
Repeated from 4H
5:15-6:15 pm Reception in the Marketplace
6:15-7:15 pm CRCM Reception

Tuesday, June 10
7:00 am-5:00 pm Registration Open
7:15-8:15 am
Power Breakfast Sessions (Three Options)
#1:  Top Ten Strategies to Improve Your Fair Banking Compliance Program
-Sponsored by Treliant Risk Advisors LLC   

What will the best UDAAP and Fair Lending compliance programs look like in the future?  How will compliance officers and line of business leaders cope with more “principles-based” regulations? Enforcement actions related to UDAAP continue to flow from the CFPB and the prudential regulators.  UDAAP compliance managers in the future will need to deeply understand how to engage the entire enterprise in fairness and transparency principles.  As the “abusive” standard becomes more clear over time, risk controls will need to account for this element of UDAAP compliance as well.
Our panel of Treliant experts will discuss the top ten strategies to up your game in Fair Banking Compliance, including:
  • Methods to better engage the first line of defense in regulatory excellence
  • The role of bank culture in fair banking compliance and how compliance professionals can influence it
  • The future of principles-based regulatory monitoring
  • Best practices for product innovation in the age of principles-based regulation
  • Implementing UDAAP/fairness metrics
Join us for this timely, important session.  We will provide a UDAAP Product Gap Analysis “10 Questions” tool to all participants.

Speakers:
Catherine Brown, Esq., Managing Director
Lyn Farrell, CRCM, CAMS, AMLP, Managing Director
Carl G. Pry, CRCM, CRP, Managing Director
Susanna K. Tisa,  Chief Business Officer
 
#2:  Playing Team Defense:  Strengthening Compliance And Looking for Synergies Across the Three Lines of Defense
-Sponsored by Wolters Kluwer Financial Services
Regulators are clarifying the definition of the three lines of defense and expecting organizations to reexamine how they align and work together across the organization.  The most nimble and cohesive teams are going to be the most successful.  Join us while we discuss the best practices and emerging trends in compliance risk management including the use of technology to enhance performance.  Key areas of focus will include: 
  • Meeting heightened regulator expectations around compliance management systems
  • Holding all the three lines of defense responsible and accountable
  • Enabling a quick response for the entire organization to regulatory changes 
  • Monitoring and tracking third party providers as part of your system
  • Using technology to improve compliance management
NEW:  Complimentary Assessment Worksheet: All session attendees will receive a worksheet for evaluating how much stress their three lines of defense can take and identify options for improving scalability.

Moderator:
Timothy Burniston, CRCM, Executive Vice President, Risk and Compliance Consulting Practice, Wolters Kluwer Financial Services

Speakers:

Stephen M. Cross, Senior Director, Compliance and Advisory Services, Wolters Kluwer Financial Services
Thomas Grundy, CRCM, Senior Regulatory Consultant, Wolters Kluwer Financial Services
Jeffrey J. Kalscheur, Senior Regulatory Consultant, Finance Risk and Compliance, Wolters Kluwer Financial Services
JB Sloan, Senior Product Market Manager, Enterprise Risk Management, Wolters Kluwer Financial Services
 
 
7:45-8:15 am Continental Breakfast in the Marketplace
​7:45 - 8:15 am ​Breakfast Roundtable Networking Discussions
Join your fellow industry professionals for breakfast in the Marketplace and participate in roundtable discussions focused on current issues.  Table signs will point you to topics.  This informal format allows you to customize your education/networking and is a great way to share best practices.
8:15-8:30 am Travel to Next Session
8:30-10:00 am

General Session
Ask the CEO!   CEO Expectations of Compliance Officers and Business Lines - Instilling an Efficient and Effective Compliance Culture
We welcome three CEOs to the ABA Regulatory Compliance Conference to share with you their thoughts in this post-recession era of compliance.  This diverse group will discuss how they are managing their compliance culture within their institutions.  You will also hear what they expect of their compliance units and business lines to meet regulatory and customer expectations.  Moderated by a Chief Compliance Officer, this interactive panel discussion is designed to help you benchmark your own reporting structure and culture against industry trends.  We hope you will hear a few new ideas to take back to your institution on how your own compliance units can work with and support the “C-Suite” in your enterprise-wide compliance efforts.

Moderator:
Daniel D. Soto, CAMS, Chief Compliance Officer, Ally Financial

Speakers:
Michael A. Carpenter, Chief Executive Officer, Ally Financial, Inc.
John M. Hairston, Co-CEO and COO, Hancock Holding Co. 
John A. Ikard, President and CEO, FirstBank Holding Company, Lakewood, CO and Chairman-Elect, American Bankers Association

10:00- 10:30 am Coffee Break in the Marketplace
10:30-11:45 am                 Concurrent Sessions: Series #6 (Eight Options)
6A: Anatomy of a Breach: How Should Compliance and Business Lines Respond to Breaches?  Repeated in 7A 
Major breach events have, unfortunately, become a standard part of the corporate landscape.  What kinds of things should you do as the compliance officer to mitigate the risks?  Where are the greatest risks from inside your institution's walls?  And what are the biggest external risks to be concerned with?  Our experts will walk you through the mechanics and tools for response to a breach event and how you can be more prepared for this looming threat.

Moderator/Speaker:
Debra Geister, Senior Vice President, AML and Fraud, MetaBank

Speakers:

Jonathan Jackson, Information Security Manager, Metabank
Gerard Stegmaier, Partner, Goodwin Procter LLP
Cindy Williams, CRCM, AAP, Compliance Consultant, Wells Fargo Regulatory Risk Management

6B: TILA/RESPA:  Will Your Bank Be Ready for the New and Merged Mortgage Disclosures?   Repeated in 7B
The integration of the RESPA and TILA disclosures has now risen to the top of the priority list for compliance officers as there will be considerable changes to your systems and origination practices. This session will give you a head start on the road to compliance by providing a comprehensive review of these changes and focusing attention on the key amendments that will affect your operations.  We will also outline what you should be doing now to get ready for the fast-approaching compliance date. 

Moderator/Speaker:

Rod J. Alba, Vice President and Senior Regulatory Counsel, Office of Mortgage Finance, Risk Management and Public Policy, American Bankers Association

Speakers
:
Richard B. Horn, Partner, Dentons, US LLP
David Kelly, CRCM, AMLP, President - Loan Operations, FirstBank

6C: UDAAP Monitoring and Testing: How to Make it Work for Your Institution
Repeated in 7C
Most institutions have UDAAP compliance programs developed. However, designing and executing UDAAP testing is difficult since root causes of unfairness, deception and/or abusiveness lie in areas that are not usually checked in traditional compliance monitoring.  The failure of UDAAP monitoring has been cited as a control failure in several regulatory enforcement actions.   Our panel of experts will discuss the leading practices in UDAAP monitoring and testing, including, how to scope a UDAAP audit, developing UDAAP testing processes and testing questionnaires, measuring UDAAP risks, and reporting and remediating findings.

Moderator:
Lyn Farrell, CRCM, CAMS, AMLP , Managing Director, Treliant Risk Advisors LLC

Speakers:
Catherine Brown, Esq., Managing Director, Treliant Risk Advisors, LLC  
Meg L. Sczyrba, CRCM, Program Administrator, Regulatory Risk Management, Wells Fargo

6D: Emerging Risk - Defining the Canary in a Coal Mine   Repeated in 7D
Risks continuously emerge from many places – both internally and externally. The CFPB’s “principles” based approach to compliance makes it more important than ever to proactively monitor for and evaluate impacts of emerging risks. Knowing where to look for emerging risks, understanding their potential impact on your organization and influencing the right mitigation strategy is core to the role of the compliance professional. In this session, you will learn some leading practices for identifying, tracking, assessing and reporting emerging compliance risks.

Moderator:
Tracy A. Johnson, CRCM, Senior Vice President, First National Bank of Omaha  

Speakers:
Joanne Granata, CRCM, Managing Vice President, Capital One Bank (USA) NA  
Douglas Jackson, Executive Vice President and Director, Regulatory Risk, Regions Bank  
Carol Yee, Senior Vice President and Chief Compliance Officer, People's United Bank
6E: Current Issues in Credit Bureau Reporting   Repeated in 7G
Though there are no major changes to FCRA in recent years, it seems that FCRA can tie even experienced compliance officers into knots. Back by popular demand, this session is designed as a review of vexing aspects of FCRA, including: the challenging questions surrounding adverse action notices and how they complement and differ from Reg B; when and how to provide risk-based pricing notices; understanding when a bank has a permissible purpose to obtain consumer reports; how to use consumer reports to prescreen; requirements around reporting  customer information to consumer reporting agencies; handling disputes with the information reported and requirements related to address changes.  The session will also provide an update on any recent regulatory issues.

Moderator/Speaker:
Nessa E. Feddis, Senior Vice President, Deputy Chief Counsel Consumer Protection, Center for Regulatory Compliance, American Bankers Association

Speakers:

James H. Mann, Partner, Davis Wright Tremaine
6F: Legal Risk  Repeated from 4C 
6G: The Right Tool for the Job: Effective 2nd Line of Defense Compliance Testing
Repeated from 5G

6H:   Dude Where's My Bank?  Banking and the Marijuana Industry  Repeated in 7H
If your bank has not yet been affected by the state-level legalization of marijuana use, it likely will be soon as many states have either legalized or have legislation pending to legalize marijuana for either medical or recreational uses.  Regardless of state law, the cultivation, sale, and use of marijuana remains federally illegal - including handling proceeds connected to the business.  Recent efforts to address the conflict by the Department of Justice and the Financial Crimes Enforcement Network, while well-meaning, failed to satisfy banker concerns and have likely added regulatory obligations.  In this session the speakers will address the legal, compliance, reputational, and operational risks associated with banking marijuana businesses.

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

Speakers:

Jeffrey A. Asher, CRCM, CAMS, Senior Vice President, FirstBank Holding Company
Robert G. Rowe (Rob), III, Vice President and Senior Compliance Counsel, ABA Center for Regulatory Compliance, American Bankers Association

11:45 am-1:15 pm Buffet Lunch in the Marketplace
1:15-2:30 pm                 Concurrent Sessions: Series #7 (Eight Options)
7A: Anatomy of a Breach: How Should Compliance and Business Lines Respond to Breaches?  Repeated from 6A
7B: TILA/RESPA: Will Your Bank Be Ready for the New and Merged Mortgage Disclosures?   Repeated from 6B
7C: UDAAP Monitoring and Testing: How to Make it Work for Your Institution
Repeated from 6C
7D: Emerging Risk - Defining the Canary in a Coal Mine
Repeated from 6D
7E: What’s Permissible under RESPA Section 8: New Fleas on an Old Dog  Single Session
With interest rates rising and the switch from refinances to purchase transactions, many banks are asking questions about Section 8 of RESPA.  In this session, the panel will recap the current Section 8 landscape, update you on allowable compensation practices such as marketing agreements and discuss other compliant ideas for expanding your mortgage production with realtors and other strategic partners.
Moderator/Speaker:
Christopher T. Spellman, CRCM, Senior Vice President and Corporate Compliance Director, Heartland Financial USA, Inc.

Speakers:

Brian S. Levy, Counsel, Katten & Temple, LLP
Mark L Meyer, Founder and CEO, MLinc Mortgage Solutions
7F: Understanding Disparate Impact Risk
Repeated from 5C
7G: Current Issues in Credit Bureau Reporting
Repeated from 6E

7H: Dude Where's My Bank? Banking and the Marijuana Industry  Repeated from 6H

2:30-3:30 pm Dessert Break in the Marketplace
3:30-4:30 pm           Concurrent Sessions: Series #8  (Five Options)
Peer Exchange: Learn from Colleagues

Our Peer Exchange Session was such a hit last year that we are bringing this back again this year!  Exchanging ideas and solutions are the goals of these highly interactive sessions.  You will be grouped with peers by asset size and you can follow the suggested topics or create one of your own at your table!  The topic possibilities are endless!  Learn how others are creating training materials, reporting to their boards, or implementing the new mortgage regulations.  Come prepared to share your experiences with others. The session will be totally designed by you and we are confident that you will walk away with many new ideas and resources to tap in the year ahead! 
8A: $50B and Higher - Peer Exchange Session
Bankers Only
8B: $10B - $50B - Peer Exchange Session
Bankers Only
8C: $1B - $10B - Peer Exchange Session
Bankers Only
8D: $1B and Less - Peer Exchange Session
Bankers Only: $1B and less
8E: Government Peer Exchange Session
Government Only
5:30-9:00 pm Special Optional Event: Tuesday Night in the Big Easy (separately priced/optional event)

Wednesday, June 11, 2014
7:00 am-12:30 pm Registration Open
7:00-8:00 am Power Breakfast Sessions (Three Options)

#1:  Compliance Testing Best Practices:
Building a Credible Testing Function from the Ground Up 

 -Sponsored by:  PwC
In recent years, many banking organizations have implemented and/or enhanced their firm wide compliance risk management programs and program oversight due to increased regulatory expectations, particularly those related to compliance testing requirements as outlined in the FRB Supervisory letter SR08-8. Despite these improvements, a recent survey indicates that the level of progress at individual banking organizations varies and opportunity for improvements remain. To identify opportunities to address these requirements, PwC conducted a survey of 10 large financial service institutions to gain more in-depth insight on their current and future compliance testing frameworks. The results of the survey provide a view of market practices around various key compliance testing framework elements. This session will be constructed to not only provide an overview of the study results, but also offer the first hand perspective of one of its participants, HSBC, on how their organization is addressing the challenges and opportunities associated with compliance testing.
Speakers:
Nicole Anderson, Director, PwC
Rich Reynolds, Partner, PwC 
Mike T. Walker, Senior Vice President, Head Compliance Control Review, HSBC 


#2:  Compliance Risk Assessments in a Dynamic Regulatory Environment
- Sponsored by: KPMG
Most banks are (or should be) performing compliance risk assessments across the enterprise. The resulting residual compliance risk ratings should drive the prioritization of compliance testing and monitoring activities and are an indicator of potential additional compliance resource needs. What does a good compliance risk assessment methodology look like? How should the compliance risk assessments be scoped / organized? How often should they be updated?
Join us for an illuminating panel discussion that will cover key compliance risk assessment considerations including:
  • Determining inherent risk, operating effectiveness of compliance controls, and residual risk 
  • Scope / coverage – by business unit, process, product, and/or regulation
  • Frequency – annually, when significant internal or external changes or events occur, etc. 
  • How to best utilize the results
  • Senior management and Board reporting
  • Use of technology
Moderator:
Stacey A. Guardino, Partner, KPMG

Speaker:

Greg E. Morris, Director, KPMG


#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.
7:30-8:00 am Continental Breakfast
8:00-8:15 am Travel to Next Session
8:15-9:30 am

General Session
Trends in Managing Your Third Party Relationships:   It's Not Your Father's Vendor Management Program!
Ten years ago, compliance professionals were not thinking about risks associated with third party relationships…such as those with appraisers, flood certification companies, title companies and others that provided services for the bank.  The 2001 OCC circular on third party risk principles didn’t provide much guidance on what was to be included  Today, that is much different, especially considering the OCC 2013 circular which rescinded the 2001 document and provides much more detail on expectations of third party risks.  This panel session will discuss how third party risks are being addressed in a “life-cycle”, from vendor due diligence, to onboarding to ongoing relationships and the services being provided, to your vendors customers, coupled with the regulations that intersect with those specific services. 

Moderator:
Paul R. Osborne, Partner, Crowe Horwath LLP

Speakers:
J. Michael  Edison, Chief Executive Officer, Fortrex Technologies
Harold H. Hardin, CISM, Senior Vice-President and Chief Information Security Officer, Trustmark National Bank

9:30-9:45 am Travel to Next Session
9:45-11:00 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

Speakers:
April Breslaw, Deputy Assistant Director, Supervision Policy, Supervision, Fair Lending and Enforcement Andy Arculin, Counsel, CFPB Office of Regulations
Alice Hrdy, Deputy Assistant Director, Supervision Policy, Supervision, Fair Lending and Enforcement
Peggy Twohig, Assistant Director, Supervision Policy, Supervision, Fair Lending and Enforcement
Brian Webster, Originations Project Manager

Regulator Town Hall:
   OCC
Moderator:
Maureen E. Carollo, CRCM, Senior Vice President, BSA Officer and Associate Director of Compliance, Bank SNB, N.A.

Speakers:

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

Regulator Town Hall: FDIC
Moderator:
Sandra K. Chapman, CRCM (Sandy), Senior Vice President, Chief Compliance Officer, Busey Bank

Speakers:

Jonathan Miller, Deputy Director, Federal Deposit Insurance Corporation (FDIC)  

Regulator Town Hall: FRB

Moderator:
Nicole R. Peoples, CRCM, Vice President and Compliance Manager, Metcalf Bank

Speakers:

Phyllis L. Harwell, CRCM, Assistant Director, Applications and Bank Holding Company/Financial Institutions Supervision, Board of Governors of the Federal Reserve System, Division of Consumer and Community Affairs
Lanette Meister, Senior Supervisory Consumer Financial Services Analyst

11:00 -11:15 am Travel to Next Session
11:15 am-12:15 pm General Session:
What to Tell Your CEO When You Return Home
You’ve just spent the better part of four days trying to download a ton of new compliance information.  And as you pack your bags to go home, your head is spinning trying to distill what you’ve learned into a brief presentation to your CEO/senior management. 

ABA’s Regulatory Relations Staff will make this a little easier for you by summing up the critical takeaways you need to bring back to your management and board.  This is also the session where we will discuss any major 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.