ABA Risk Management Forum

April 15 - 17, 2015 • Hyatt Regency at the Arch • St. Louis, Missouri

Overview  |  Registration/Fees  |  Program  |  Venue  |  Sponsors/Exhibitors

Program

2015 Forum program planning will begin in Fall 2014. Review the 2014 Program below for an idea of the depth and breadth of content you can expect at the 2015 Forum.

Who Should Attend:

Risk Managers and Officers, Business Line Risk Managers, Operational Risk Managers, Cyber Security Officers,
Physical Security Officers, Internal Auditors

Every Year, Attendees Benefit From:

  • Programming focused for the risk manager – created by bankers for bankers.
  • Tactics to enable you to build a stronger risk management program.
  • Earning continuing education credits including CPE, CRCM, CFSSP, CSOP.  The 2015 program will be reviewed for credits. For more information on credits earned for the 2014 program, click here.  
  • Viewing the latest products, services, and technologies when meeting industry suppliers in one convenient, time-saving location.

2014 Forum Program

Final 2014 Program (PDF)

Wednesday, April 9, 2014
8:30 am – 6:00 pm REGISTRATION OPEN
9:30 am – 11:30 pm
DEEP DIVE SESSIONS (Select from three options.)
 
Deep Dive #1: Life Cycle of Third Party Risk Management (Single Session)
In the recently released OCC bulletin 2013-29, the OCC detailed the critical risk management activities for third party relationships that center around a life cycle of the relationship.    This deep dive session will outline, in detail, the key pieces of a successful third party risk management program based on the recent OCC and FED guidance.  We’ll walk you through the life cycle of the relationship which includes:
• Planning
• Due Diligence and Third Party Selection
• Contract Negotiation
• Ongoing Monitoring and
• Termination
Additionally, we’ll cover the critical activities in managing the life cycle such as documentation and reporting, oversight and accountability as well as independent reviews.  We'll also discuss examiner hot buttons.  You will walk away fully equipped to to reassess the effectiveness your current third party risk management program against current regulatory expectations.

Moderator:
Doug Johnson, Vice President and Senior Advisor, Risk Management Policy, Office of the Chief Economist, American Bankers Association, Washington, DC

Speakers:
Valerie Abend, Senior Critical Infrastructure Officer, Office of the Comptroller of the Currency
Yolanda (Landy) P. Dutton, Vice President and Internal Auditor, Summit Bank, NA
Patrick D. Warren, Principal, Crowe Horwath

Deep Dive #2: Getting to “Strong” in Risk Management
(Single Session)
In the world of risk management, satisfactory just doesn't cut it!  Regulators have been raising the bar with the largest banks over the last several years and have now proposed formal heightened expectations for a "strong" risk management program, applicable to financial institutions with $50B in assets or more.  In this deep dive session, you will learn more about the heightened expectations, as well as strategies to prioritize initiatives and tackle projects on your journey to strong.  Specific topics will include how to go about designing and implementing a comprehensive risk management framework, articulating risk appetite, defining Board of Directors' oversight responsibilities and establishing management accountability for adhering to the risk management framework. The panel will share best practices and lessons learned on their own journey in mapping their way through these changing expectations.  The panel includes large bank representatives from the areas of Operational Risk and Audit.  Also included on the panel is a community bank representative who will share a perspective on what this means for smaller banks.  

Moderator:
Mary A. Clouthier, Vice President/Director of Enterprise Compliance, US Bank, NA

Speakers:
Joanne T. Campbell, CRCM, Executive Vice President of Risk Management, Camden National Bank
Beth Knickerbocker, Vice President and  Senior Counsel, Financial Institutions Policy and Regulatory Affairs, American Bankers Association
Jim Thvedt, Chief Compliance Officer, U.S. Bancorp Center
 
Deep Dive #3:  What is Keeping You Awake?  A View of Top and Emerging Risks 
(Single Session)
The purpose of this session is to explore current techniques to identify top and emerging risks as well as tools to assess such as scenario analysis.  Due to the nature and source of risk, Operational Risk continues to be a key focus.  However, it is not always easy to quantify.  Therefore, an effective risk management framework is critical to embed the governance and risk processes needed to appropriately identify, assess, monitor and manage operational risk.  In this session, we will review the following key topics:
  • What is keeping you awake?   
  • Key elements of an effective Risk Management Framework
  • COSO Internal Control Framework – it is not enough to only identify risks, we need to assess controls to mitigate as well 
  • Scenario analysis – what is it and how can it be used for risk management?
You will walk away with a clearer picture of how an effective operational risk management program can help focus management attention to improve risk identification, monitoring and management.
 
Moderator/Speaker:
Jennifer Gemma, Director, P&C US Operational Risk Officer, BMO Harris Bank, NA
Speakers:
Verita (Tina) H. Francis, Vice President, Risk Manager, Union Center National Bank
Eric Holmquist, Managing Director, Enterprise Risk Management, Accume Partners
11:30 am – 12:45 pm LUNCH ON YOUR OWN
12:45 pm – 1:00 pm Travel to next session
1:00 pm – 2:15 pm OPENING GENERAL SESSION
Key Risks for 2014-2015:  What Haven’t You Thought Of?
There are many risks facing organizations today:  sustained low interest rates, slow economic and housing recovery and increased competition.  To address these risks and many others banks, are seeking out new products, business lines and new customers to remain competitive and profitable.  This general session is designed to assist risk officers in better understanding the key economic and industry risk facing institutions today and steps risk officers can take to oversee how their bank is managing those risks.   In addition, we will touch on exam hot buttons, emerging risks and how you might organize your efforts to manage these critical risk areas.
 
Moderator/Speaker:
Beth Knickerbocker, Vice President, Senior Counsel, III, Financial Institutions Policy and Regulatory Affairs, American Bankers Association
Speakers:
Anthony Donatelli, Director of Enterprise Risk Management, New York Community Bancorp, Inc.
Robert Strand, Senior Economist, Office of the Chief Economist, Economic Policy and Research, American Bankers Association
2:15 pm – 2:30 pm Travel to next session
2:30 pm – 3:45 pm
CONCURRENT SESSIONS - Series 1 (Select from four options.)
 
1A: Payments and the Art of Risk Management in 2014 (Single Session)
This session will explore up to date risks associated with the payment system. Topics to be covered include the EMV Liability Shift, Third Party Payment Processors, and Virtual Currency. The topics will be discussed in the context of the legal and regulatory environment as well as the potential impact on your customers.
Moderator:
Stephen Kenneally, AAP, Vice President, Center for Regulatory Compliance, American Bankers Association
Speakers:
Matthew Friend, Managing Director, Accenture  
Mike Urban, Director, Financial Crime Risk Management, Fiserv


1B: Best Practices in Enterprise Change Management – Small Bank
(Single Session – Large Bank Session is in 2B)
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 best practices in executing a successful enterprise change management process, using regulatory change as the primary focus for the discussion.  Our experts will discuss:
•         Selling the need for an enterprise change process;
•         What is change?  How to define for the stakeholders, may not be same for all banks;
•         How to make it work?  Success stories or not-so successful stories, or lessons learned;
•         Who should be involved? - strategies for rolling it out?
•         Using technology to make it work or do you need a fancy system to do so [resource angle];
•         Recordkeeping and reporting.
•         One size does not fit all/advantages of size.

Moderator:
Yolanda (Landy) P. Dutton, Vice President and Internal Auditor, Summit Bank, NA
Speakers:
Ana M. Foster, Vice President, Risk and Compliance Officer, Cambridge Trust Company 
Edward J. Keck, Jr. CISSP, Senior Director, Operational Risk Management and Innovation, Treliant Risk Advisors
 
1C: Incorporating Risk Management Practices Throughout the Organization  (Repeated in 2C)
Not only should banks have a formalized framework for managing risk throughout the organization, but that framework should be integrated into daily business processes and strategy, from the business lines to the Board.    This session, designed for both large and small institutions, will explore best practices surrounding the integration of successful risk management practices throughout the organization, especially focused on the roles of the first, second and third lines of defense in managing your organizational risk.  We will also focus on the role of the board and executive management in driving your overall risk culture, how to make your risk appetite statements part of your daily business strategy and the use of credible challenge as  means of monitoring business line risk.  Speakers will specifically discuss:
  • Metrics/Defining Your Risk Appetite/Use of Risk Appetite Statements;
  • Risk Structure and Definition;
  • Overall governance and the role of the Board;
  • And more.
Moderator/Speaker:
Eric Holmquist, Managing Director, Enterprise Risk Management, Accume Partners
Speaker:
Eugene (Gene) F. Shugrue, Senior Executive Vice President and Chief Credit and Chief Risk Officer, Liberty Bank  

 
1D: What’s the Right Model for Managing Model Risk?  (Repeated in 4B)
Losses from misguided use of models during the recent financial crisis, leading to a detailed supervisory guidance in 2011, significantly expanded expectations for all banks to manage model risk better. In this session, a seasoned advisor and bankers experienced in managing model risk will lay out what a bank needs to do to protect the bank and satisfy regulatory requirements  or regulators  vs.  supervisors, including:
  • Determining what counts as a "model" and finding all the "models" in the bank;
  • Expectations for tracking and regular review of all "models"; 
  • Responsibilities across the organization for managing the risk, while scaling expectations relative to institution size.
Moderator:
Robert Strand, Senior Economist, Office of the Chief Economist, Economic Policy and Research, American Bankers Association
Speakers: 
Jason Dulnev , Director, Model Risk Management, PriceWaterhouse Coopers LLC
Nav Vaidhyanathan, Director, Model Risk Management, Wintrust Financial Corporation

 

3:45 pm – 4:00 pm Travel to next session
4:00 pm – 5:15 pm

CONCURRENT SESSIONS - Series 2 (Select from four options.)

2A: A Hostile Environment:  Addressing Active Shooters (Single Session)
Whether random or targeted, instances of workplace violence and active shooters are increasing. In many cases, the event is over before law enforcement arrives, leaving employees and customers to defend themselves. But do they know how to react in a way that will increase their chance of survival? This session will identify behaviors and actions that could potentially threaten the security of your workplace and outline high level survival steps employees  can take when seconds count.

Moderator:
Heather Wyson-Constantine, Senior Director, Risk Management Policy, American Bankers Association
Speakers:
Dave Benson, Principal and Executive Vice President for Operations, Center for Personal Protection and Safety
Jeff Gauntlett, Senior Vice President, East Region Security Manager, Regions Bank



2B: Best Practices in Enterprise Change Management – Large Bank

(Single Session - Small Bank Session is in 1B)
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 best practices in executing a successful enterprise change management process, using regulatory change as the primary focus for the discussion.  Our experts will discuss:
•         Selling the need for an enterprise change process;
•         What is change?  How to define for the stakeholders, may not be same for all banks;
•         How to make it work?  Success stories or not-so successful stories, or lessons learned;
•         Who should be involved? - strategies for rolling it out?
•         Using technology to make it work or do you need a fancy system to do so [resource angle];
•         Recordkeeping and reporting.
•         One size does not fit all/advantages of size.


Moderator/Speaker:

Mary A. Clouthier
, Vice President/Director of Enterprise Compliance, US Bank, NA
Speakers:
Deb Arenson, Senior Vice President and Chief Project Officer, Enterprise Program Management Office, Fifth Third Bank
Susanna K. Tisa,  Chief Business Officer, Treliant Risk Advisors


2C: Incorporating Risk Management Practices Throughout the Organization
(Repeated from 1C)


2D: Collecting Operational Loss Data and Building Risk Metrics
(Single Session)
It has been said that operational loss data is fuel that powers the risk management engine.  Any bank that has worked, or is working to build a strong risk management framework knows that operational loss data is the foundation for which other risk management components are built upon.  In addition, requirements under CCAR or DFA heighten the need for maintaining a robust loss database.  Establishing an enterprise-wide operational loss database is not an easy task, and just as difficult is to utilize the data not only to support other components of the risk management framework, but to also provide added value to the company’s bottom line.  The panelists of this session will share their experiences in establishing a robust and sustainable operational loss database, and how the data is effectively used through analytics, reporting and benchmarking.

Moderator/Speaker:
MaryAnn DiPinto, Vice President and Senior Operational Risk Analyst, Union Bank NA
Speaker:
Robert Malcomson, Vice President, Operational Risk Management, Office of Enterprise Risk Management, U.S. Bank National Association  
Jeffrey Napper, Vice President, ORM, Capital One Financial Corp. 

5:15 pm – 6:15 pm OPENING RECEPTION IN THE MARKETPLACE
Thursday, April 10, 2014
7:00 am – 6:00 pm REGISTRATION OPEN
7:00 am – 8:00 am INNOVATION SHOWCASE
8:00 am – 9:15 am GENERAL SESSION: Cybersecurity - - Awareness, Preparedness and Strategy
As cybersecurity threats are getting more sophisticated, protecting financial institutions and their customers must ramp up their game as well.  This session will explore the exploits and perpetrators we saw in 2013 and what we can envision for this year and beyond, as well as what tools and strategies are available from ABA and others to further protect the environment.

Moderator/Speaker:
Doug Johnson, Vice President and Senior Advisor, Risk Management Policy, Office of the Chief Economist, American Bankers Association, Washington, DC
Speakers:
Valerie Abend, Senior Critical Infrastructure Officer, Office of the Comptroller of the Currency
Denise Anderson, Vice President FS-ISAC, Government and Cross-Sector Programs, Financial Services Information Sharing and Analysis Center (FS-ISAC)
Anthony Scarola, Senior Vice President, Information Security Officer, TowneBank
9:15 am – 9:30 am Travel to next session
9:30 am – 10:45 am CONCURRENT SESSIONS - Series 3 (Select from four options.)

3A: Protecting Your Customer from Cross Channel Fraud (Repeated in 4A)
As the move to online banking, RDC and other innovative payment solutions will enhance customer experience and drive operational efficiency, it also opens up new opportunities for the fraudsters.  Cross-channel fraud has been on the rise due to fraudsters exploiting online access of customer information and using such information to commit account takeovers, etc.  According to the 2013 ABA Deposit Account Fraud Survey, bank customers across asset size categories had been the target of email phishing and web spoofing.  The recent breaches at Target and other retailers further heighten the public’s awareness of global organized attempts against our customers’ accounts.   To protect our customers and to maintain their trust in a secure banking environment, effective detection and prevention of cross-channel fraud is a top priority for every bank. 

The speakers of this session will review the challenges banks face today and outline the tools available to monitor for and detect cross-channel fraud, including layered security; holistic account, transaction and relationship reviews; and collaboration with customers and law enforcement. 

Moderator:

Linley B. Abbott, CISM, First Vice President/Operational Risk Manager, CISO
FirstMerit Bank, NA  
Speaker:
Andrew Davies, New Business Development, Fiserv


3B: Best Practices for Effective Monitoring and Testing
(Repeated in 4D)
Managing risk requires effective monitoring and testing of controls in order to efficiently identify weaknesses in the control environment and exposure to potential losses.  Building the right monitoring and testing program is a critical component of your organization’s Enterprise Risk Management program.

Join us in this interactive session led by an industry practitioner and subject matter professionals for a discussion of concepts focusing on building a risk-based monitoring and testing program; maximizing resources across the three lines of defense; establishing key performance metrics and risk indicators; and processes for capturing and managing information on risks, controls,  issue reporting, tracking and remediation.

Moderator/Speaker:
Amy Downey, JD, U.S. Banking and Regulatory Expert, Risk and Compliance , Wolters Kluwer Financial Services
Speakers:
Suzanne Decell, Vice President, Compliance Department, Trustmark National Bank
Thomas Grundy, CRCM, Senior Regulatory Consultant, Wolters Kluwer Financial Services



3C: Putting Stress Tests to Practical Use
(Repeated in 4C)
Using stress testing as a risk management tool is increasingly becoming an expectation, even for smaller banks. This session will explore how a bank can use stress tests in capital and liquidity planning, including the process itself, what they have learned from experience and how to make it work going forward.  

Moderator/Speaker:
Anthony Donatelli, Director of Enterprise Risk Management, New York Community Bancorp, Inc.
Speakers:
Kevin J Clarke, Director, PricewaterhouseCoopers LLP
Sergey Volkov, CPA, CFA, Director, PricewaterhouseCoopers LLP

3D: ASAP: Top Compliance Risk Issues that Should Be on Every Risk Manager’s Radar Screen
(Single Session)
As risk managers in today’s changing world, compliance risk is, and needs to be, high on your radar screen.  Knowing how many risks you are managing, we have asked one of the nation’s top compliance experts to provide a high level review of today’s most critical compliance risk issues.  She will cover a broad spectrum of all of the various regulatory matters that require monitoring which should help you ensure that something doesn’t get overlooked as you try to manage all of the risks across your organization.  This fast paced session will also cover emerging risks that should also be in focus.

Moderator:

Joanne T. Campbell, CRCM, Executive Vice President of Risk Management, Camden National Bank
Speaker:
Julie Williams, Managing Director, Promontory Financial Group LLC  
10:45 am – 11:15 am REFRESHMENT BREAK IN THE MARKETPLACE
11:15 am – 12:30 pm CONCURRENT SESSIONS - Series 4 (Select from four options.)

4A: Protecting Your Customers from Cross Channel Fraud (Repeated from 3A)

4B: What’s the Right Model for Managing Model Risk?
(Repeated from 1D)

4C: Putting Stress Tests to Practical Use
(Repeated from 3C)

4D: Best Practices for Effective Monitoring and Testing
(Repeated from 3B)
12:30 pm – 1:45 pm LUNCHEON WITH SPEAKER
Featuring:
The Honorable Thomas J. Curry, Comptroller of the Currency
1:45 pm – 2:15 pm DESSERT IN THE MARKETPLACE
2:15 pm – 3:30 pm

CONCURRENT SESSIONS - Series 5 (Select from four options.)

5A: What If Interest Rates Rise Suddenly?  Managing Interest Rate Risk (Single Session)
The Federal Reserve has held money market rates below ½ percent since late 2008; its Quantitative Easing programs have held 10-year Treasuries below three percent and 30-year mortgages below 4½ percent since mid-2011. But the Fed could take its foot off the gas – even break hard – if inflation picks up with firms hiring again. If interest rates were to jump to more normal levels in a short timeframe, would you be ready? In this session, discussants will consider how much short- and long-rates could rise and when, and what banks should do to prepare, including the latest techniques in interest rate management.

Moderator/Speaker:
Robert Strand, Senior Economist, American Bankers Association
Speakers:
Anthony Donatelli, Director of Enterprise Risk Management, New York Community Bancorp, Inc.
Michael Guglielmo, Managing Director, Darling Consulting Group

5B: 
Data Mining and Analytics: What is the Value-Add and Where to Begin? (Single Session)
Impress your C Suite with knowledge of how to streamline processes, improve controls, reduce expenses and increase revenue through better utilization and analysis of available information.  This session will explore best practices and techniques in using data mining and analytics in your risk program.  Specifically, you will learn how “Big Data’ is being used to enhance business decisioning and provide competitive advantage.

Moderator:
Bryan Nash, Chief Information Officer, McHenry Savings Bank 
Speaker:
Darren Touchton, C.R.C., Senior Risk Consultant, D+H



5C: Standardization of a Retail Physical Risk Assessment Matrix (Single Session)
When resources are limited, how to you determine which protection measures you employ to protect your customers and staff from robberies and other physical threats at your retail locations? This session will focus on the current scope of the robberies in the U.S. and how to develop a comprehensive approach to help identify and understand where the risks are and determine the physical security measures to put in place to address those risks.

Moderator: 
Heather Wyson-Constantine, Senior Director, Risk Management Policy, American Bankers Association
Speakers:
Stephanie A Clarke, Senior Vice President and Director, Physical Security Solutions, KeyBank, NA
Basia Pietrawska, Vice President, Research and Analysis, CAP Index, Inc.

5D: Risky Business:  Conducting a Holistic Product Risk Assessment (Single Session) 
This session will take participants through an end-to-end execution focused assessment of new product risk.  We’ll walk you through current best practices in terms of the process itself, including stakeholders and their accountability, scope, and frequency.  We’ll also discuss the impact on pricing, marketing and sales practices as well as highlight critical issues and pitfalls to avoid.   You will walk away with an improved ability to measure your risk exposure on a variety of issues and how to report those risks. 

Moderator:
MaryAnn DiPinto
, Vice President and Senior Operational Risk Analyst, Operational Risk Management, Union Bank, N.A.

Speakers:
Michael Florence, Senior Director, Treliant Risk Advisors
Adam Ingles, Principal, Genco Risk Consulting (formerly serving in an executive risk management functions at U.S. Century Bank, Doral Bank, and Westernbank)

3:30 pm – 3:45 pm Travel to next session
3:45 pm – 5:00 pm
PEER EXCHANGE SESSION
You asked for this last year and we listened!  Exchanging ideas and solutions are the goals of these highly interactive sessions.  You will be grouped with peers by asset size and session leaders will provide topics for you to discuss among your small group.  You can follow the suggested topics or create one of your own at your table!  Come prepared to share your experiences with others.  There will be NO lectures offered in these sessions and NO handouts.  The session will be totally designed by YOU but with our careful facilitation, you will walk away more informed!  Table discussions will be broken down into four asset categories:
  • $50B and higher (Bankers Only)
  • $10B-$50B (Bankers Only)
  • $1B - $10B (Bankers Only)
  • Below $1B (Bankers Only)
5:00 pm – 6:00 pm RECEPTION IN THE MARKETPLACE
Friday, April 11, 2014
7:00 am – 12:15 pm REGISTRATION OPEN
7:00 am – 8:00 am

POWER BREAKFAST #1: 
ERM: Taking a 360° Approach to Risk Management
-Sponsored by CSI

The need to assess, identify and mitigate risk is at an all-time high. And yet, too many banks are still using a siloed approach to risk management that’s just too risky in today’s banking environment. Join us as we explore how Enterprise Risk Management (ERM) can help you identify risk from a holistic perspective and discuss best practices for leveraging ERM at every operational level.

Speaker:
Keith Monson, CRCM, Vice President of Application Compliance, CSI

POWER BREAKFAST #2:
Combating Insider Threats: Challenges and Considerations for Bank Physical Security and Risk Managers-Sponsored by:  Tyco Integrated Security

In this session, Tracie Adkins of Tyco Integrated Security will address the special challenges financial institutions face in today’s environment where IT and physical assets are more converged than ever.  Data breach and loss, active shooter threats and other risks are ever-present and determining the right level of threat mitigation can be a challenge with limited resources.  Tracie will discuss specific risks and the cost benefits of potential solutions such as: advanced visitor management, access control and key management, as well as enhanced authentication measures like biometrics.

Speaker:
Tracie Adkins, Tyco Integrated Security

8:00 am – 9:15 am

GENERAL SESSION
Not Your Grandparents Bank: Rethinking Physical Security for New Branch Models
The branches of the not-too-distant future are being designed to appeal to the customer to invite conversation, encourage openness and incorporate new technologies.  But an open retail approach to banking designed to improve customer experience may also present a series of challenges for physical security.  Security officers must design a security plan which not only doesn’t impede customer interaction, but is invisible to customers and criminals alike.  This session will explore how security officers mitigate safety risks and dollar losses in these new branch models without compromising personalized customer service. 

Moderator:

Doug Johnson, Vice President and Senior Advisor, Risk Management Policy, Office of the Chief Economist, American Bankers Association
Speakers:
Gregory A. Adkins, Director – Strategic Accounts, Tyco Integrated Security
Mike Neugebauer, Vice President and Senior Manager, Safety and Security, Fifth Third Bank  

9:15 am – 9:45 am REFRESHMENT BREAK IN THE MARKETPLACE
9:45 am – 11:00 am
CONCURRENT SESSIONS - Series 7 (Select from four options.)
 
7A: Wealth Management Red Flags for Risk Officers (Single Session)
Many institutions offer wealth management products and services to their customers, particularly retirement planning.  Given the current banking environment, more institutions are considering offering these product and services to increase fee income and better meet the needs of their customers.  Even if wealth management and its operational risk doesn’t fall into your immediate are of responsibilities, it is important to keep current with the latest regulatory and business line risks associated with this critical line of business.  Join our presenter who will walk you through the latest risk concerns and red flags to watch for.

Moderator:
Beth Knickerbocker, Vice President, Senior Counsel, III, Financial Institutions Policy and  Regulatory Affairs, American Bankers Association
Speakers:
Raissa Horstmeier, Vice President/Senior Risk Manager, PCG US Risk Management, BMO Financial Group
Vivian K. Swilley, Senior Vice President, Wealth Management Risk, Northern Trust Company  

7B: Staying Liquid, Especially When It's Hard To (Single Session)
As has become painfully apparent in recent years, every bank must make sure that it has adequate funds on hand – or can get them – to withstand a period of general public insecurity.   In this session, a seasoned advisor will present a framework for liquidity management, including cash flows projections, the profitability tradeoff for holding ready liquidity, stress testing for a community bank, and contingency planning.

Moderator:

Robert Strand, Senior Economist, Office of the Chief Economist, Economic Policy and Research, American Bankers Association
Speaker:
Chirag J. Bhavsar, Executive Vice President and Chief Financial Officer, CNLBank  
Phil Stalcup, CPA, Senior Manager, Crowe Horwath LLP


7C: Consumer Complaints:  What You Don't Know Will Hurt You! (Single Session)
Whether it is for managing legal risk, compliance risk, reputation risk, or even operational risk, consumer complaint data has become an essential risk management tool.  This session is designed for small to mid-size banks and will cover:
  • Regulatory expectations
  • The difference between complaints and inquiries
  • Identifying complaint channels
  • Social media and the internet – what to monitor and when
  • Reporting – who, what, and when
  • Responding to negative trends
Moderator: 
Linley B. Abbott, CISM, First Vice President/Operational Risk Manager, CISO, FirstMerit Bank, NA  
Speaker: 
Jeffrey A. Asher, CRCM, CAMS, Senior Vice President, FirstBank Holding Company
 
11:00 am – 11:15 am Travel to next session
11:15 am – 12:15 pm

CLOSING GENERAL SESSION
Operational Risk Update from the Regulators
Hear from agency regulators and examiners about what keeps them up at night regarding operational risk and what the regulatory expectations are for strong risk management programs. Agency examiners and representatives will also discuss emerging risks for banks as well as the range of evolving risk management frameworks, governance and reporting practices they are seeing in the field.

Moderator:
Beth Knickerbocker
, Vice President, Senior Counsel, III, Financial Institutions Policy and Regulatory Affairs, American Bankers Association
Speakers:
Charlotte Anne Bond, Financial Economist, Enterprise Risk Analysis Division, Office of the Comptroller of the Currency
Calvin R. Hagins, Supervision, Enforcement, Fair Lending (SEFL), Office of Supervision Policy (OSP), Consumer Financial Protection Bureau
John P. Henrie, Deputy Regional Director - Risk Management, Federal Deposit Insurance Corporation
Robert Stewart, PhD ,  Risk Management Consultant, Supervision and Regulation,  Federal Reserve Bank of Chicago

12:15 pm FORUM ADJOURNS

 

​Program Questions? Please contact Dorothy Friedlander for more information.