|Monday, June 15, 2015|
|7:30 am -
|7:30 am -
POWER BREAKFAST SESSIONS (Three 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.
Monday Power Breakfast #1: Sponsored by Treliant Risk Advisors
The Seven Deadly Sins of Overdraft Protection
Overdraft protection programs have been a major source of UDAAP violations for the past five years. The CFPB has conducted extensive research on these practices and has issued white papers discussing the findings. Regulation of overdraft protection practices has been long expected. Join Treliant Risk Advisors’ panel of consumer and regulatory compliance experts to learn how to get your overdraft protection program ready for the expected overdraft protection rules and ongoing UDAAP scrutiny. All participants will receive a “Ten Questions to Ask When Conducting a UDAAP Risk Assessment of Overdraft Practices” tool.
Susanna Tisa, Chief Business Officer, Treliant Risk Advisors
Lyn Farrell, Managing Director, Treliant Risk Advisors
Carl Pry, Managing Director, Treliant Risk Advisors
Kat Sanchez, Engagement Director, Treliant Risk Advisors
Monday Power Breakfast #2: Sponsored by BAE Systems Applied Intelligence
Analytics for AML – Will Analytics Be the Silver Bullet to Reduce False Positives?
Discover how analytics can enhance traditional detection methods by uncovering hidden connections between seemingly unrelated parties.
Learn about the benefits of using analytics in the absence of data scientists on staff
Combining analytics with transaction monitoring and sanctions screening to achieve accurate results
Laurie Gentz, CAMS, Product Manager, BAE Systems Applied Intelligence
Monday Power Breakfast #3: Sponsored by Metric Stream
Managing Regulatory Change for Financial Institutions in a Highly Dynamic Environment
This session will discusses challenges organizations cope with in a changing regulatory environment. Problem solving methods of ways to deal with the sheer volume of regulations. Outline practices to proactively manage regulatory changes. Finally, we will identify opportunities to leverage technology implementation yielding in efficient regulatory change management.
French Caldwell, Chief GRC Evangelist
|8:00 am -
CONTINENTAL BREAKFAST IN THE MARKETPLACE
|8:30 am -
|Travel to Next Session|
|8:45 am -
|GENERAL SESSION: |
TILA-RESPA Integrated Disclosure Rule: Count Down To August 1
We know the regulation. We know the deadline. The question is – how are banks handling the intricacies of the new TILA/RESPA integration? This session will walk through operational pain points and provide views and recommendations for resolving issues. We’ll also discuss communication with title companies/servicers as well as what you should be discussing with compliance vendors at this juncture.
, Senior Vice President, Real Estate Finance/Senior Regulatory Counsel
American Bankers Association
Bruce W. Schultz, Senior Vice President, Mortgage, SpiritBank
Joshua Weinberg, Senior Vice President, Compliance, First Choice Bank
|10:15 am -
|COFFEE BREAK IN THE MARKETPLACE|
|CONCURRENT SESSIONS: Series #3 (Seven Options)|
3A: Strengthening Your Lines of Defense Repeated in 4A
Sunday, we heard how different organizations manage compliance governance. In this session, we’ll drill-down and discuss the specifics of compliance’s role as the second line, how compliance policy and governance should be divided between the first and second line and how quality control monitoring, compliance testing and monitoring can successfully be apportioned between all three lines of defense. We’ll also discuss reporting structures and responsibilities between the three lines and the key metrics involved
Lyn Farrell, CRCM, CAMS, AMLP
, Managing Director, Treliant Risk Advisors LLC
Ron DiGiacomo, Deputy Chief Compliance Officer, Consumer, Wells Fargo
Tina M. Shaver, CRCM, Chief Compliance Officer, FirstMerit Bank, NA
Bill Tucker, CRCM, Director of Compliance and Operational Risk Management, State Bank & Trust Company
3B: Reconsidering Your QM/ATR Processes for Efficiency and Production Repeated in 4B
QM/ATR is over a year old so it’s time to reexamine roles and responsibilities. We’ll discuss QM/ATR related efficiencies and opportunities such as: loan product design and marketing; monitoring; educating customers, loan originators and regulators; compliance, documentation and repurchase risks. We’ll also discuss implications of the CFPB 2016 revised definitions of rural and small creditors.
Rod Alba, Senior Vice President, Real Estate Finance/Senior Regulatory Counsel
American Bankers Association
Bruce W. Schultz, Senior Vice President, Mortgage, SpiritBank
3C: .Bank: Are You Ready? Repeated in 4D
Thousands of new domains are making their way to the Internet including .bank, which will be a protected, trusted and easily identifiable space on the Net for banks and the customers they serve. Is your bank ready? In this session you will hear all of the critical issues surrounding the .bank change, including roles and responsibilities, potential impacts and how to address them.
Doug Johnson, Senior Vice President and Senior Advisor, Risk Management Policy, Office of the Chief Economist, American Bankers Association
Craig Schwartz, Managing Director, fTLD Registry Services, LLC
|3D: Big Data and Compliance Repeated from 1E|
3E: Effective Control Testing and Monitoring Repeated in 5E
Control testing and monitoring is essential when managing compliance risk. This session will describe control testing and monitoring expectations and control testing program elements, explain how to design and execute a control design test, and identify best practices for identifying and responding to potential regulatory violations.
Neal P. Barrow, Director of Compliance Monitoring and Testing – Consumer, Wells Fargo
Megan D. Hodge, Chief Compliance Officer, RBC Bank, (Georgia) NA
Richard Reynolds, CRCM, Partner, PricewaterhouseCoopers
Ellen C. Rullman, CAMS, CIA, CRCM, Director – Testing and Validation, Corporate Compliance, Capital One
3F: Payments: Connecting the Compliance Dots in a Spirograph World Repeated from 1F
3G: Threat Finance: New Ways to Detect Threats to Our Financial System Repeated in 4G
Disrupting and preventing the flow of funds to and from criminal and terrorist organizations and their operatives is a fundamental strategy of law-enforcement. In this cutting-edge session, our panel will describe fundraising sources and potential “red flags” for the identification and detection of potential illegal activity. Our panel will also talk about proactive strategies that can assist your staff in anticipating changes in criminal behavior as activity evolves and changes.
Anna M. Rentschler, CRCM, CAMS, Vice President and BSA Officer, Central Bancompany
Dennis M. Lormel, President and CEO, DML Associates, Landsdowne, VA
Chip Poncy, Co-Founder, Financial Integrity Network, Fairfax, Virginia
3H: Banking Members of the Armed Forces Repeated in 5B
Members of the armed forces and their families are granted special considerations and protections under the Servicemembers Civil Relief Act (SCRA) and the Military Lending Act (MLA). After this session, you’ll know about current SCRA compliance issues, what’s on the horizon under the MLA, and how to meet the needs of service members and their families.
Nessa Feddis, Senior Vice President and Deputy Chief Counsel Consumer Protection and Payments, Center for Regulatory Compliance, Center for Regulatory Compliance, American Bankers Association
Robert G. Rowe (Rob), III, Vice President/Associate Chief Counsel, Center for Regulatory Compliance, American Bankers Association
Jerry Quinn, Military & Veteran Segment Manager, Wells Fargo Bank, N.A.
3I: E-Sign Compliance Throughout the Account Life Cycle Repeated in 4I
Just as the digital world has invaded every part of our lives, so has e-sign, which is now part of every aspect in the account lifecycle. We will identify the full range of considerations that you need to ensure your account lifecycle is ESIGN compliant including: account opening, e-statements, notifications, change in terms notices, appraisals, disclosures and more.
Christopher T. Spellman, CRCM, Senior Vice President and Corporate Compliance Director, Heartland Financial USA, Inc.
Rebecca Conner, Senior Vice President– Director of Operational Administration, Lakeside Operations Center, Texas Capital Bank
John Podvin, Partner, Bieging, Shapiro & Barber, LLC
|12:00 pm -
SEATED LUNCHEON WITH SPEAKER
Don’t Play Musical Chairs at the Executive Table:
Executive Skills You Need to Keep Your Seat When the Music Stops
Chuck Lewis, CRCM, Vice President Compliance Services, Missouri Bankers Association
|1:45 pm -
|DESSERT BREAK IN THE MARKETPLACE |
|2:30 pm -
|CONCURRENT SESSIONS: Series #4 (Nine Options)|
|4A: Strengthening Your Lines of Defense Repeated from 3A|
4B: Reconsidering Your QM/ATR Processes for Efficiency and Production
Repeated from 3B
4C: Your Regulatory Relationships: Are You Going Steady or Just Friends?
Repeated in 6C
In today's regulatory climate of heightened expectations, it is essential that you foster a strong relationship with your examiners. This session will offer viewpoints from both the bank and regulatory side and offer recommendations for creating and maintaining a “steady” relationship.
Jeffrey A. Asher, CRCM, CAMS, Senior Vice President, FirstBank Holding Company
Timothy R. Burniston, Executive Vice President, Wolters Kluwer Financial Services
Maggie Weir, CRCM, Vice President, Assistant General Counsel and Chief Compliance Officer, Cambridge Savings Bank
|4D: .Bank: Are You Ready? Repeated from 3C|
|4E: Complaint Management 2.0: Now That You Have a Program, How Do You Optimize It? Repeated from 2E|
4F: Keeping Your Eye on Commercial Lending Compliance Repeated in 5F
With all of the focus on consumer protection, it's easy to miss the latest regulatory concerns surrounding commercial lending. From applications to appraisal requirements to HMDA and CRA issues - we'll update you on the current regulatory concerns and provide tips and tools that will keep you updated and compliant.
Patti J. Blenden, CPA, President, Financial Solutions for Growing Companies, Inc.
Thomas J. Healy, CRCM, Chief Compliance Officer, Ally Bank
4G: Threat Finance: New Ways to Detect Threats to Our Financial System Repeated from 3G
4H: Life Cycle of Fair Lending Repeated in 5I
An expert panel of fair lending practitioners will guide you through the fair lending life cycle from pre-application activities through mitigation practices. The discussion will help you identify risks, will explore related regulations and activities, and outline how to monitor compliance with fair lending principles.
Cara C. James, CRCM, Senior Vice President and Director of Compliance, Arvest Bank
Irene Fang, Executive Vice President, Director, Strategic Analytics, Regulatory Compliance Risk Management, Wells Fargo and Company, Inc
Andrew L. Sandler, Esq., Chairman and Executive Partner, BuckleySandler LLP
|4I: E-Sign Compliance Throughout the Account Life Cycle Repeated from 3I|
|3:45 pm -
|Travel to Next Session|
|4:00 pm -
|CONCURRENT SESSIONS: Series #5 (Nine Options)|
5A: Next Gen Marketing: Bunnies, Boarders, Bathroom Breaks and Banks?
Repeated in 7C
In this session, a veteran bank marketer will demonstrate and discuss pitfalls of the innovative methods and channels currently being used to promote banks and bank products including social media. In turn, a compliance expert will provide compliance considerations and solutions surrounding these next generation marketing techniques.
Jeffrey A. Asher, CRCM CAMS, Senior Vice President, FirstBank Holding Company
Brian Jensen, Senior Vice President – Marketing, FirstBank Support Services
Kyle Miller, CRCM, Vice President, Compliance Manager, Umpqua Bank
|5B: Banking Members of the Armed Forces Repeated from 3H|
|5C: Untested Waters – Personal Liability for Compliance Officers Repeated from 2C|
5D: Incident Response Concerns for Community Bank Compliance Officers Repeated in 6F
We’ve all heard recent news stories about DDoS attacks, Fraudulent Tax Refunds, Computer Hacking, Social Engineering, Retailer breaches—but how do those events affect Compliance? In this session, you will hear about the latest trends in Cyber and Physical Security incidents and why Compliance Officers should be an integral part of your institution’s response efforts.
LeAnne Bailey Staalenburg, CISSP CRCM, Senior Vice President, Security Administration, Capital City Bank
David J. Ackley Jr., Senior Vice President, Senior Information and Corporate Security Officer, Camden National Bank
|5E: Effective Control Testing and Monitoring Repeated from 3E|
|5F: Keeping Your Eye on Commercial Lending Compliance Repeated from 4F|
|5G: Managing Deposit Account Access Risk Repeated in 6H |
Deposit account access issues are nothing new, so it’s no surprise the CFPB is studying them in conjunction with overdrafts and consumer reporting. In this session, we’ll discuss options and screening tools to manage risk – help you understand specialty credit reporting agencies and explore issues presented by providing access to full-service vs. “safe” accounts.
Moderator for 5G:
Virginia O'Neill, Senior Vice President, Center for Regulatory Compliance, American Bankers Association
Mark Erhardt, Senior Vice President and Director, Retail Product Management,
Fifth Third Bank
Erik Stein, Vice President, Authentication Solutions, Early Warning Services LLC
Corey Stone, Assistant Director, Office of Deposits, Liquidity Lending, and Reporting Markets, Consumer Financial Protection Bureau
|5H: Mortgage Compliance: Why Do I Always Feel Like I Am Missing Something? |
Repeated in 7H
Mortgage origination regulations are an overlapping minefield for the Compliance Officer. Solving for one regulatory challenge can violate another. This panel will help you put it all together to navigate key overlapping regulations such as MLO compensation, QM/ATR, NMLS licensing, RESPA and affiliate sharing rules in the context of business relationships like brokering, mini-correspondent structures, internal referrals, warehouse lending, desk leases, marketing service agreements, and more.
Rod Alba, Vice President and Senior Regulatory Counsel, Office of Mortgage Finance, Risk Management and Public Policy, American Bankers Association, Washington, DC
Brian S. Levy, Counsel, Katten & Temple, LLP
Loretta Salzano, Founding Partner, Franzén and Salzano, P.C.
5I: Life Cycle of Fair Lending Repeated from 4H
|5:15 pm -
|RECEPTION IN THE MARKETPLACE|