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2022 Program

(Sessions below are identified as offered in-person, on-demand or both. This is subject to change.)

All times are in ET.

  • Mon, June 20

  • Tues, June 21

  • Wed, June 22

  • Thu, June 23

  • Fri, June 24

  • On-Demand Recordings

Mon, June 20

2:00 PM – 5:30 PM

Early Registration Open

Tues, June 21

Day’s Theme: Welcome to RCC: Let’s Get Started On Our Journey For Solutions

7:30 AM – 5:30 PM

Registration Open

8:00 AM – 9:00 AM

Welcome Continental Breakfast in the foyer

9:00 AM – 9:30 AM

New Attendee Welcome

More fun than lecture, stop by this optional session to get tips on maximizing your conference ROI and meet fellow attendees. This is open to all first-time conference attendees.

9:30 AM – 10:00 AM

Break

10:00 AM – 10:45 AM

CONCURRENT SESSIONS – SERIES 1
(this will be repeated in series 2)

1A: Defining Conduct and Culture Risk for Your Organization
Repeated in 2A (Offered In-Person Only)

How has your conduct and culture risk management programs evolved from the unprecedented changes over the last few years? With prolonged work from home, new hybrid work force, the great resignation and now the return to office programs, now may be the time to revise how we define conduct and culture risk. Join our panelists in a robust discussion on where we are in the evolution of conduct and culture risk, how bankers are aligning conduct and culture risk within the governance framework and leading practices for strengthening oversight and misconduct controls.

  • Moderator/Speaker: Cara Williams, CERP, CRCM, CCEP-I, Principal, Risk and Compliance Practice, Spinnaker Consulting Group
  • Stephanie Bowers, Regulatory Analyst Senior, CLO Legal Operations, Corporate Regulatory Counsel, Chief Legal Office, USAA
  • William J. Walsh, Chief Compliance Officer, First Citizens Bank, Raleigh, NC

1B: Fair Banking/Fair Lending: Preparing for the 1071 Implementation
Repeated in 2B (Offered In-Person and On-Demand)

Are you concerned about the new Section 1071 data? Come   hear this expert panel on how to best prepare your organization for this reporting requirement and learn how to best explain and defend your pricing variances and any related concerns from this new raw data.   

  • Moderator: Kitty Ryan, Senior Vice President and Senior Counsel, Fair and Responsible Banking, Regulatory Compliance and Policy, American Bankers Association
  • Britt Faircloth, CRCM, CAMS, Senior Vice President, Fair Banking Officer, Valley National Bank
  • Maureen Carollo, Senior Compliance Advisor, Paul Foster Law Offices P.C.   

1C: Evaluating Your Overdraft Program
Repeated in 2C (Offered In-Person and On-Demand)

  • Moderator/Speaker: Tanweer S. Ansari, Esq., Executive Vice President- Internal Counsel, and Chief Compliance Officer, First National Bank LI (Long Island)
  • Jonathan Thessin, Vice President and Senior Counsel, Regulatory Compliance and Policy, American Bankers Association

1D: Compliance Strategies for Crypto and Digital Assets
Repeated in 2D (Offered In-Person and On-Demand)

Everyone knows about crypto and BSA concerns, but what do your customers understand about the financial risks and the consumer protection side? Tune in to this unique session on crypto and digital currency to hear “the other side” of this ever-growing and evolving consumer product.

  • Moderator: Renee Huffaker, CRCM, Chief Compliance Officer, Arvest Bank
  • Firas Mustapham, Director of Compliance, Arvest Bank 
  • Rob Triano, CAMS, CAFP, Director of Crypto Risk, Ciphertrace  

1E: The DNA of a M&A: Due Diligence  
Repeated in 2E (Offered In-Person and On-Demand)

Whether you are acquiring a fintech, a non-bank entity or a traditional financial institution, a well-thought our and documented compliance process is needed. This process needs to start before due-diligence and needs to continue past the acquisition and/or merger date. Our discussion will center on what information is needed to make a Go/No-Go recommendation. Additionally we will discuss some challenges, learned from past experiences, about integrating the new acquisition into your compliance programs and cultures. 

  • Moderator/Speaker: Chris Spellman, CRCM, Director Corporate Compliance, Senior Vice President, Heartland Financial, Inc.
  • Aaron Rykowski, Senior Vice President, Chief Compliance Officer, WesBanco Bank, Inc.
  • Tina M. Shaver, CRCM, CAMS, Executive Vice President, Chief Risk Officer, Premier Bank

1F: Website Accessibility Litigation and Enforcement Risks
Repeated in 2F (Offered In-Person and On-Demand)

Experts will provide the latest risks surrounding website accessibility as well as provide mitigation strategies. They will cover recent litigation and potential exposures, DOJ’s rulemaking and enforcement, and provide an overview of other legal impacts to website accessibility.

  • Moderator: Teshale Smith, Counsel, Consumer Regulation and Compliance Solutions, American Bankers Association
  • John W. Egan, Partner, Seyfarth Shaw LLP
  • Karl Groves, Chief Innovation Officer, Level Access

1G: Understanding the ESG Impact on Compliance
Repeated in 2G (Offered In-Person and On-Demand)

As the world of Environmental and Social Governance (ESG) continues to evolve, compliance officers are striving to understand their roles and responsibilities. While state legislatures are proposing or passing bills prohibiting the use of “ESG” factors in making lending decisions, these same factors have always been considerations in preventing fraud, determining credit worthiness, and ensuring fair lending. Join experts as they discuss the impact of ESG on lending as well as overall compliance governance, especially as it relates to safety and soundness.

  • Moderator: Joseph Pigg, Senior Vice President and Senior Counsel, ESG & Mortgage Finance, Fair and Responsible Banking, American Bankers Association 
  • Kristy Merrill, President, New Hampshire Bankers Association
  • Jeffrey P. Naimon, Partner, Buckley

10:45 AM – 11:15 AM

Break

11:15 AM – 12:00 PM

CONCURRENT SESSIONS – SERIES 2
(repeated from series 1)

2A: Defining Conduct and Culture Risk for Your Organization
Repeated from 1A (Offered In-Person Only)

How has your conduct and culture risk management programs evolved from the unprecedented changes over the last few years? With prolonged work from home, new hybrid work force, the great resignation and now the return to office programs, now may be the time to revise how we define conduct and culture risk. Join our panelists in a robust discussion on where we are in the evolution of conduct and culture risk, how bankers are aligning conduct and culture risk within the governance framework and leading practices for strengthening oversight and misconduct controls.

  • Moderator/Speaker: Cara Williams, CERP, CRCM, CCEP-I, Principal, Risk and Compliance Practice, Spinnaker Consulting Group
  • Stephanie Bowers, Regulatory Analyst Senior, CLO Legal Operations, Corporate Regulatory Counsel, Chief Legal Office, USAA
  • William J. Walsh, Chief Compliance Officer, First Citizens Bank, Raleigh, NC

2B: Fair Banking/Fair Lending:  Preparing for the 1071 Implementation
Repeated from 1B (Offered In-Person and On-Demand)

Are you concerned about the new Section 1071 data? Come   hear this expert panel on how to best prepare your organization for this reporting requirement and learn how to best explain and defend your pricing variances and any related concerns from this new raw data.

  • Moderator: Kitty Ryan, Senior Vice President and Senior Counsel, Fair and Responsible Banking, Regulatory Compliance & Policy, American Bankers Association
  • Britt Faircloth, CRCM, CAMS, Senior Vice President, Fair Banking Officer, Valley National Bank
  • Maureen Carollo, Senior Compliance Advisor, Regulatory Advisor, Paul Foster Law Offices P.C.   

2C: Evaluating Your Overdraft Program
Repeated from 1C (Offered In-Person and On-Demand)

  • Moderator/Speaker: Tanweer S. Ansari, Esq., Executive Vice President- Internal Counsel, and Chief Compliance Officer, First National Bank LI (Long Island)
  • Jonathan Thessin, Vice President and Senior Counsel, Regulatory Compliance and Policy, American Bankers Association

2D: Compliance Strategies for Crypto and Digital Assets
Repeated from 1D (Offered In-Person Only and On-Demand)

Everyone knows about crypto and BSA concerns, but what do your customers understand about the financial risks and the consumer protection side? Tune in to this unique session on crypto and digital currency to hear “the other side” of this ever-growing and evolving consumer product.

  • Moderator: Renee Huffaker, CRCM, Chief Compliance Officer, Arvest Bank
  • Firas Mustapham, Director of Compliance, Arvest Bank
  • Rob Triano, CAMS, CAFP, Director of Crypto Risk, Ciphertrace

2E: The DNA of a M&A: Due Diligence  
Repeated from 1E (Offered In-Person and On-Demand)

Whether you are acquiring a fintech, a non-bank entity or a traditional financial institution, a well-thought our and documented compliance process is needed. This process needs to start before due-diligence and needs to continue past the acquisition and/or merger date. Our discussion will center on what information is needed to make a Go/No-Go recommendation. Additionally we will discuss some challenges, learned from past experiences, about integrating the new acquisition into your compliance programs and cultures. 

  • Moderator/Speaker: Chris Spellman, CRCM, Director Corporate Compliance, Senior Vice President, Heartland Financial, Inc.
  • Aaron Rykowski, Senior Vice President, Chief Compliance Officer, WesBanco Bank, Inc.
  • Tina M. Shaver, CRCM, CAMS, Executive Vice President, Chief Risk Officer, Premier Bank

2F: Website Accessibility Litigation and Enforcement Risks
Repeated from 1F (Offered In-Person and On-Demand)

Experts will provide the latest risks surrounding website accessibility as well as provide mitigation strategies. They will cover recent litigation and potential exposures, DOJ’s rulemaking and enforcement, and provide an overview of other legal impacts to website accessibility.

  • Moderator: Teshale Smith, Counsel, Consumer Regulation and Compliance Solutions, American Bankers Association
  • John W. Egan, Partner, Seyfarth Shaw LLP
  • Karl Groves, Chief Innovation Officer, Level Access

2G: Understanding the ESG Impact on Compliance
Repeated from 1G (Offered In-Person and On-Demand)

As the world of Environmental and Social Governance (ESG) continues to evolve, compliance officers are striving to understand their roles and responsibilities. While state legislatures are proposing or passing bills prohibiting the use of “ESG” factors in making lending decisions, these same factors have always been considerations in preventing fraud, determining credit worthiness, and ensuring fair lending. Join experts as they discuss the impact of ESG on lending as well as overall compliance governance, especially as it relates to safety and soundness.

  • Moderator: Joseph Pigg, Senior Vice President and Senior Counsel, ESG & Mortgage Finance, Fair and Responsible Banking, American Bankers Association
  • Kristy Merrill, President, New Hampshire Bankers Association
  • Jeffrey P. Naimon, Partner, Buckley

2H: Multicultural Banking Centers: The M&T Story    
Repeated in 3H (Offered In-Person Only)

Join Chief Compliance Officer of M&T Bank, Greg Imm, as he shares how M&T took a different approach to serving their customers.  He will share how they looked at their geographic footprint and created services and functionality to meet the specific community’s needs.  Greg will also share the compliance challenges and how they are tackling them.

  • Greg Imm, Senior Vice President and Chief Compliance Officer, M&T Bank

12:00 PM – 1:30 PM

Innovation Showcase Luncheon
(Offered In-Person Only)

It’s lunch and a show – a solutions show! Enjoy your conference-provided lunch while listening to the latest compliance innovations. Five-minute solution-pitches provide you a glimpse of the future!

1:15 PM – 1:30 PM

Break

1:30 PM – 2:15 PM

CONCURRENT SESSIONS – SERIES 3
(this will be repeated in series 5)

3A: Data Analytics in Assessing Complaint Risk 
Repeated in 5A (Offered In-Person and On-Demand)

Complaint data and the tools regulators use to analyze and monitor complaints is ever evolving. Are your data analytic tools providing you what you need to better understand your complaint data and tell your bank’s story? Is it in sync with supervisory expectations? This session will not only provide you with the latest complaint data trends and challenges but will give you a roadmap for employing advanced analytics to identify trends, spikes and anomalies. We’ll share ideas on how to utilize AI and ML in the complaint process to reduce inconsistent customer interactions that could lead to potential UDAAP issues. Finally, we’ll discuss how to monitor data to identify potential problem products/services across customer segments as well as how to pair complaint data with other data for a more robust enterprise-wide analysis.

  • Moderator: Elizabeth M. Snyder, Senior Director of Risk Management and Regulatory Compliance, Spinnaker Consulting Group
  • Mary Clouthier, Chief Risk Officer, Cornerstone Capital Bank
  • Harsh Pandya, President, Giant Oak, Inc.

3B: Building a Compliance Risk Management Framework for FinTech Partnerships
Repeated in 5B (Offered In-Person and On-Demand)

In this session, we’re focusing on the components of a strong compliance risk management framework for FinTech partnerships.   We’ll review the full range of compliance risk concerns including differing risk cultures, leadership information exchange between the bank and the FinTech/governance structure, regulatory approvals, liability concerns, and communicating with your customers.

  • Moderator/Speaker: Laurent Robert, Director, Risk Management and Regulatory Compliance, Spinnaker Consulting Group 
  • Juan Azel, Senior Vice President, Chief Compliance Officer and Deputy General Counsel, Cross River Bank

3C: Top Things You Need to Know About CRA Modernization
Repeated in 5C (Offered In-Person and On-Demand)

There’s a lot going on in the CRA space – some of the latest proposals may be finalized by June. This session will cover all late breaking developments to ensure you are ahead of the adjustments you will need to make to your CRA program.   This will be a must-see session at the conference.

  • Moderator/Speaker: Krista Shonk, Vice President and Senior Counsel, Regulatory Compliance and Policy, Fair and Responsible Banking, American Bankers Association 

3D: HMDA Data: Compiling the Data to Create a Market/Geographic Scorecard 
Repeated in 4C (Offered In-Person and On-Demand)

3E: Flood Compliance Update: The Q&As Are Here!
Repeated in 5E (Offered In-Person and On-Demand)

This session will cover the current landscape in flood compliance, including the recent finalization of the Interagency Questions and Answers. Other current topics such as FEMA’s Risk Rating 2.0 update will also be addressed. Come for an understanding of how these issues might affect your current flood compliance program, and we’ll also discuss areas where the industry has additional questions and concerns and how ABA plans to help banks move forward even with some of the uncertainty.    

  • Moderator: Robert Cole, Executive Vice President, National Risk Brokerage
  • Crystal Boyers, Vice President, Credit Operations/Compliance Manager, Flood, Hazard and Tax Compliance, Truist

3F: FCRA: New (and Old!) Concerns
Repeated in 5F (Offered In-Person and On-Demand)

  • Moderator/Speaker: Nessa Feddis, Senior Vice President and Senior Counsel, Regulatory Compliance and Policy, American Bankers Association

3G: The World Has Changed – Your Risk Assessment Should, Too!
Repeated in 4G (Offered In-Person and On-Demand)

Have your compliance risk assessments become stale? Has their value decreased or has the process become a check-the-box exercise? In this session, we will share some techniques to refresh your compliance risk assessments, including identifying new risks, incorporating data to drive the risk assessments and evolving your risk appetite to address the “new normal.” Be ready to learn and share great ideas during this power packed brainstorming session.

  • Moderator/Speaker: Thomas W. Williams, CRCM, CCBIA, ACT Specialist, Senior Vice President, Senior Compliance Manager, United Bank
  • Jim Bedsole, CRCM, CERP, CAFP, CCBP, CBA, CFSA, Senior Vice President and Chief Compliance and Risk Officer, BankSouth
  • Ann Marie Tarantino CRCM, CRP, AMLP, Senior Vice President, Chief Compliance Officer, Esquire Bank, N.A.

3H: Multicultural Banking Centers: The M&T Story  
Repeated from 2H (Offered In-Person Only)

Join Chief Compliance Officer of M&T Bank, Greg Imm, as he shares how M&T took a different approach to serving their customers. He will share how they looked at their geographic footprint and created services and functionality to meet the specific community’s needs. Greg will also share the compliance challenges and how they are tackling them.

  • Greg Imm, Senior Vice President and Chief Compliance Officer, M&T Bank

2:15 PM – 2:45 PM

Break

2:45 PM – 3:30 PM

Connection Discussions: Interactive Case Studies and Topical Peer Conversations – SERIES 4
(repeated in series 7)

4A: Risk Framework Management and Oversight in an “Agile” World
Repeated in 7A (Offered In-Person and On-Demand)

4B: New Approaches to Appraisal Reviews
Repeated in 7B (Offered In-Person and On-Demand)

  • Moderator/Speaker: Sharon Whitaker, Vice President, CRE and Mortgage Finance, American Bankers Association

4C: HMDA Data: Compiling the Data to Create a Market/Geographic Scorecard 
Repeated in 3D (Offered In-Person and On-Demand)

4D: Best Compliance Resources in the Worst of Times  
Repeated in 7D (Offered In-Person Only)

4E: Fair Servicing in Light of the Pandemic 
Repeated in 7E (Offered In-Person and On-Demand)

The pandemic introduced new fair servicing risks into the industry forcing servicers to reevaluate their fair lending programs. In addition, the CFPB has an increased focus on LEP Borrowers and also updated the UDAAP Examination procedures, setting new expectation for servicers. During this session, attendees will hear from experts on the changes they have made to their fair servicing programs in light of these expectations, with a focus on changes made to their monitoring programs and business practices to ensure servicing practices remain fair across all consumers.

  • Moderator/Speaker: Lynn A. Tarantino, CRCM, CAMS, Senior Vice President, Chief Control Officer, Cenlar
  • Anoush Garakani, Partner, Alston and Bird
  • Ruthann Redman, Director, Fair Lending  Compliance, First National Bank of Omaha

4F: The Perfect Storm: A Case Study in Preparing for the Dual Implementation of CRA Modernization and 1071 
Repeated in 7F (Offered In-Person and On-Demand)

This case study will explore the challenges and opportunities presented with the potential simultaneous implementation of section 1071 and the CRA rule changes. The uncertainly of the proposed requirements and the possibility of an aggressive implementation period compounds compliance. We will examine the proposals with a focus on the mandatory data collection requirements under section 1071, and the likely staffing & operational needs for financial institutions to comply. 

  • Moderator: Scott H Pope, CRCM, Senior Vice President, Payments CRO Risk and Compliance Senior Manager  - Consumer and Small Business Payments, U.S. Bank 
  • Tanweer S. Ansari, Esq., Executive Vice President- Internal Counsel, and Chief Compliance Officer, First National Bank LI (Long Island)
  • John Davis, Payments Risk Manager, U.S. Bank  

4G: The World Has Changed – Your Risk Assessment Should, Too!
Repeated from 3G (Offered In-Person and On-Demand )

Have your compliance risk assessments become stale? Has their value decreased or has the process become a check-the-box exercise? In this session, we will share some techniques to refresh your compliance risk assessments, including identifying new risks, incorporating data to drive the risk assessments and evolving your risk appetite to address the “new normal.” Be ready to learn and share great ideas during this power packed brainstorming session.

  • Moderator/Speaker: Thomas W. Williams, CRCM, CCBIA, ACT Specialist, Senior Vice President, Senior Compliance Manager, United Bank
  • Jim Bedsole, CRCM, CERP, CAFP, CCBP, CBA, CFSA, Senior Vice President and Chief Compliance and Risk Officer, BankSouth 
  • Ann Marie Tarantino CRCM, CRP, AMLP, Senior Vice President, Chief Compliance Officer, Esquire Bank, N.A.

3:30 PM – 4:00 PM

Break

4:00 PM – 5:00 PM

GENERAL SESSION
(Offered In-Person and On-Demand)

Keynote Address: Network is Not a Verb: Building a Sustainable Network of Resources

Economic uncertainty and tumultuous world events have fueled concerns about what a brave new world of business might look like – and for us – what the future of compliance will look like. One thing that doesn’t seem to be up for debate is that no one can go it alone. In fact, a recent LinkedIn survey of more than 15,000 professionals found that almost 80% consider ‘networking’ important to career success. Despite this pervasive believe, another study found that many people actually feel dirty after engaging in conscious ‘networking’ activities. Hear former bank advocate and state association executive and now author, Ellen Poole, share her perspective on how to build and enhance your professional network in the unique setting of a compliance and risk management career.

  • Featuring: Ellen Poole, Author, Attorney, Government Relations Strategist and Former State Bankers Association CEO

5:00 PM – 6:00 PM

Opening Reception in The Hub

6:00 PM

Day 1 Concludes

Wed, June 22

Day 2 Theme: State of the Industry

7:30 AM – 5:30 PM

Registration Open

7:30 AM – 8:30 AM

WEDNESDAY POWER BREAKFAST SESSIONS

Take full advantage of your conference experience!  Join one of our expert corporate partners for a quick-paced informative session all while enjoying breakfast.  Seating is first-come, first-served - no reservations are required.  A breakfast buffet will be available from 7:15 am – 7:45 am for attendees attending these sessions.

PS 1: What To Expect When You’re Expecting…Your Regulator
Sponsored by Treliant

PS 2: Banking as a Service (BaaS) and Lending Compliance Risk
Sponsored by Finastra

What is all this hype around Banking as a Service (BaaS)?  Why should Compliance Officers be involved in early discussions?  This information session will provide an overview, recent statistics, and observations around BaaS.  With a focus on lending, we will share some BaaS scenarios Finastra is seeing, along with some of the compliance questions we are asking.  This session will include an open discussion to share your own insights and observations regarding BaaS and compliance at your institution.

  • Cheryl Anderson, Director, Product Management, Finastra

PS 3: To Be Announced Soon 
Sponsored by Capco

8:30 AM – 8:45 AM

Coffee and Conversations in the Foyer
Sponsored by Guidehouse 

8:45 AM – 10:00 AM

GENERAL SESSION

State of the Industry
(Offered In-Person and On-Demand)

  • Featuring: Rob Nichols, President and CEO, American Bankers Association

10:00 AM – 10:45 AM

Coffee Break in The Hub

10:45 AM – 11:30 AM

CONCURRENT SESSIONS – SERIES 5
(repeated from series 3)

5A: Data Analytics in Assessing Complaint Risk 
Repeated from 3A (Offered In-Person and On-Demand)

Complaint data and the tools regulators use to analyze and monitor complaints is ever evolving. Are your data analytic tools providing you what you need to better understand your complaint data and tell your bank’s story? Is it in sync with supervisory expectations? This session will not only provide you with the latest complaint data trends and challenges but will give you a roadmap for employing advanced analytics to identify trends, spikes and anomalies. We’ll share ideas on how to utilize AI and ML in the complaint process to reduce inconsistent customer interactions that could lead to potential UDAAP issues. Finally, we’ll discuss how to monitor data to identify potential problem products/services across customer segments as well as how to pair complaint data with other data for a more robust enterprise-wide analysis.

  • Moderator: Elizabeth M. Snyder, Senior Director of Risk Management and Regulatory Compliance, Spinnaker Consulting Group
  • Mary Clouthier, Chief Risk Officer, Cornerstone Capital Bank (proposed) 
  • Harsh Pandya, President, Giant Oak, Inc.

5B: Building a Compliance Risk Management Framework for FinTech Partnerships
Repeated from 3B (Offered In-Person and On-Demand)

In this session, we’re focusing on the components of a strong compliance risk management framework for FinTech partnerships.   We’ll review the full range of compliance risk concerns including differing risk cultures, leadership information exchange between the bank and the FinTech/governance structure, regulatory approvals, liability concerns, and communicating with your customers.

  • Juan Azel, Senior Vice President, Chief Compliance Officer and Deputy General Counsel, Cross River Bank
  • Chris Lucas, Chief Compliance Officer, MVB Bank

5C: Top Things You Need to Know About CRA Modernization 
Repeated from 3C (Offered In-Person and On-Demand)

There’s a lot going on in the CRA space – some of the latest proposals may be finalized by June. This session will cover all late breaking developments to ensure you are ahead of the adjustments you will need to make to your CRA program.   This will be a must-see session at the conference.

  • Moderator/Speaker: Krista Shonk, Vice President and Senior Counsel, Regulatory Compliance and Policy, Fair and Responsible Banking, American Bankers Association 

5D: What Does the 2021 HMDA Data Tell Us? 
Repeated from 7C (Offered In-Person and On-Demand)

Experts will provide highlights from the 2021 HMDA national data set that will be impactful in understanding your HMDA program.

  • Moderator: Kitty Ryan, Senior Vice President and Senior Counsel, Fair and Responsible Banking, Regulatory Compliance & Policy, American Bankers Association
  • Anurag Agarwal, President, Asurity
  • Andrea K. Mitchell, Managing Partner, Mitchell Sandler

5E: Flood Compliance Update: The Q&As Are Here!
Repeated from 3E (Offered In-Person and On-Demand)

This session will cover the current landscape in flood compliance, including the recent finalization of the Interagency Questions and Answers. Other current topics such as FEMA’s Risk Rating 2.0 update will also be addressed. Come for an understanding of how these issues might affect your current flood compliance program, and we’ll also discuss areas where the industry has additional questions and concerns and how ABA plans to help banks move forward even with some of the uncertainty. 

  • Moderator: Robert Cole, Executive Vice President, National Risk Brokerage
  • Crystal Boyers, Vice President, Credit Operations/Compliance Manager, Flood, Hazard and Tax Compliance, Truist

5F: FCRA: New (and Old!) Concerns
Repeated from 3F (Offered In-Person and On-Demand)

  • Moderator/Speaker: Nessa Feddis, Senior Vice President and Senior Counsel, Regulatory Compliance and Policy, American Bankers Association

11:30 AM – 1:15 PM

SEATED LUNCHEON AND KEYNOTE SPEAKERS
(Offered In-Person and On-Demand)

Compliance in the Hybrid World: Fueling the Talent to Create Success

It’s not like compliance units, big and small, haven’t already mastered managing teams in a variety of locations, including home offices before the pandemic. But now that we know we can successfully run high functioning compliance divisions and execute remote exams without being in the same building– what have we learned? How can we leverage talent to maximize productivity, connectivity and positivity? Join compliance expert, Patti Joyner as she shares her industry insights and humorous take on what has worked really well and how to lead our teams to the next level. 

  • Featuring: Patti D. Joyner, CRCM, President and Founder, Financial Solutions for Growing Companies

1:15 PM – 1:45 PM

Break

1:45 PM – 2:30 PM

CONCURRENT SESSIONS – SERIES 6
(repeated in series 8)

6A: BNPL: Buy Now, Pay Later: Regulatory Risk and Reducing Possible Customer Harm
Repeated in 8A (Offered In-Person and On-Demand)

BNPL is gaining momentum and broader acceptance in the marketplace with each passing month. What should your bank be evaluating when or if it is thinking of offering it? What are the risks when working with a 3rd party? Are there things you should be educating your customers on? This session will explore the various BNPL structures and their inherent risks, as well as concerns being raised by Regulatory agencies. By attending you will gain a better understanding of the methods being made available to consumers and the possible pitfalls associated with them.

  • Scott H Pope, CRCM, Senior Vice President, Payments CRO Risk and Compliance Senior Manager - Consumer and Small Business Payments, U.S. Bank 

6B: Analyzing and Adjusting Your Program for UDAAP Risks
Repeated in 8B (Offered In-Person and On-Demand)

Join us for a dynamic, practical discussion related to escalated UDAAP concerns. UDAAP risk isn’t one-size-fits-all; likewise, we will discuss tools to assist with adapting UDAAP Programs to your bank’s risk tolerance. Learn different management communication strategies for elevated UDAAP risks without creating a fire drill.

  • Moderator: Kitty Ryan, Senior Vice President and Senior Counsel, Fair and Responsible Banking, Regulatory Compliance & Policy, American Bankers Association
  • Amanda McNally, Compliance Manager, Enterprise Testing and Validation, Wells Fargo Bank, NA
  • Krysti Cunningham, Chief Risk Officer, Security National Bank

6C: Challenges and Opportunities in Testing for Discrimination in Non-Credit Operations
Repeated in 8C (Offered In-Person and On-Demand)

  • Arthur P. Baines, Vice President, Co-Practice Leader of Financial Economics, Charles River Associates 
  • Lori Sommerfield, Partner,  Troutman Pepper Hamilton Sanders LLP

6D: Cybersecurity Risks – It’s Everyone’s Responsibility
Repeated in 8D (Offered In-Person Only)

Cyber risk management rolls through compliance at some point, whether it is through the change management process, oversight of the consumer notification following a cyber-breach, or simply ensuring the due diligence of your business unit’s third parties. In this session, we will talk about bank expectations with new and upcoming competing cyber breach rules. Learn firsthand about these rules and hear a discussion of their impact on your bank and potentially your compliance.

  • Paul Benda, Senior Vice President, Operational Risk and Cybersecurity, American Bankers Association

6E: QM: Questions and Concerns
Repeated in 8E (Offered In-Person and On-Demand)

  • Rod Alba, Senior Vice President, Real Estate Finance and Mortgage, American Bankers Association

6F: Innovation Impact to the Insurance Industry: Regulatory Challenges Banks Face
Repeated in 8F (Offered In-Person Only)

The rapid adoption of new technology is transforming the insurance industry. The internet of things, big data, artificial intelligence, and machine learning are disrupting traditional underwriting models and enabling insurance companies to offer customers better pricing. For banks engaged in insurance activities, the use of new software, application programming interfaces (“APIs”), and virtual agents is changing the way insurance is marketed and enabling banks to offer improved customer experience by making the quoting and binding process frictionless. Today’s presentation discusses how banks determine which insurance products to sell, the challenges associated with applying antiquated laws to novel insurance sales practices and how regulators are responding. 

  • Moderator: J. Kevin A. McKechnie, Executive Director & Founder, ABA Health Savings Account Council, Senior Vice President and Director, ABA Office of Insurance Advocacy, ABA Congressional Relations and Political Affairs, American Bankers Association 
  • Chrys Lemon, Partner, McIntyre & Lemon, PLLC
  • Scott Stathis, Co-Founder and Managing Director, Financial Institution Insurance Council
  • Douglas W. Harrison, CPCU, ACP, AIS, Senior Director of Insurance Compliance, Senior Vice President, Truist Enterprise Compliance Risk Management

6G: Reg E Disputes: Creating Opportunities for Collaboration Between Compliance and Fraud 
Repeated in 8G (Offered In-Person and On-Demand)

We all know that new payment platforms, slow changing regulations and increasing check fraud are all issues we all face today. This session will help clarify some common Reg E misconceptions and will cover ways that you can facilitate fraud and compliance “getting along” at your bank. Additionally, you will gain new insights into dispute management as well as creating a customer centric program while managing fraud liability.

  • Moderator: Heather C. Schaefer CRCM, JD, Vice President, Chief Compliance Officer, First Financial Bank, NA
  • Nessa Feddis, Senior Vice President and Senior Counsel, Regulatory Compliance and Policy, American Bankers Association
  • Jerod Moyer, CRCM, Consultant; Banker's Compliance Consulting

6H: Home But Not Alone: Managing and Recruiting Tomorrow’s Workforce
Repeated in 8H (Offered In-Person and On-Demand

Companies of all sizes are pivoting their efforts to recruit and retain today’s top talent due to increased demands for hybrid workplaces in 2022. Some of these initiatives include offering remote work environments and flexible schedules that driving collaboration and culture among hybrid employees. Creating a new focus on career development including training, better IT resources and individual development plans. Join our panel as we discuss these challenging issues and possible solutions in today’s post-Covid world.

  • Moderator/Speaker: Stephanie Bowers, CLO Legal Operations, Corporate Regulatory Counsel, Chief Legal Office, USAA
  • Dameshia Mosley, CFE, CRCM, Vice President, Deputy Director of Compliance – Operations, First National Bank Texas
  • Thomas W. Williams, CRCM, CCBIA, ACT Specialist, Senior Vice President, Senior Compliance Manager, United Bank

2:30 PM – 3:15 PM

Dessert Break in The Hub

3:15 PM – 4:00 PM

CONCURRENT SESSIONS – SERIES 7
(repeated from series 4)

7A: Risk Framework Management and Oversight in an Agile Word
Repeated from 4A (Offered In-Person and On-Demand)

7B: New Approaches to Appraisal Reviews
Repeated from 4B (Offered In-Person and On-Demand)

  • Moderator/Speaker: Sharon Whitaker, Vice President, CRE and Mortgage Finance, American Bankers Association

7C: What Does the 2021 HMDA Data Tell Us?
Repeated from 5D (Offered In-Person and On-Demand)

Experts will provide highlights from the 2021 HMDA national data set that will be impactful in understanding your HMDA program.

  • Moderator: Kitty Ryan, Senior Vice President and Senior Counsel, Fair and Responsible Banking, Regulatory Compliance & Policy, American Bankers Association 
  • Anurag Agarwal, President, Asurity
  • Andrea K. Mitchell, Managing Partner, Mitchell Sandler

7D: Best Compliance Resources in the Worst of Times  
Repeated from 4D (Offered In-Person Only)

7E: Fair Servicing in Light of the Pandemic
Repeated from 4E (Offered In-Person and On-Demand)

The pandemic introduced new fair servicing risks into the industry forcing servicers to reevaluate their fair lending programs. In addition, the CFPB has an increased focus on LEP Borrowers and also updated the UDAAP Examination procedures, setting new expectation for servicers. During this session, attendees will hear from experts on the changes they have made to their fair servicing programs in light of these expectations, with a focus on changes made to their monitoring programs and business practices to ensure servicing practices remain fair across all consumers.

  • Moderator/Speaker: Lynn A. Tarantino, CRCM, CAMS, Senior Vice President, Chief Control Officer, Cenlar
  • Anoush Garakani, Partner, Alston and Bird
  • Ruthann Redman, Director, Fair Lending  Compliance, First National Bank of Omaha

7F: The Perfect Storm: A Case Study in Preparing for the Dual Implementation of CRA Modernization and 1071 
Repeated from 4F (Offered In-Person and On-Demand)

This case study will explore the challenges and opportunities presented with the potential simultaneous implementation of section 1071 and the CRA rule changes. The uncertainly of the proposed requirements and the possibility of an aggressive implementation period compounds compliance. We will examine the proposals with a focus on the mandatory data collection requirements under section 1071, and the likely staffing & operational needs for financial institutions to comply. 

  • Moderator: Scott H Pope, CRCM, Senior Vice President, Payments CRO Risk and Compliance Senior Manager  - Consumer and Small Business Payments, U.S. Bank
  • Tanweer S. Ansari, Esq., Executive Vice President- Internal Counsel, and Chief Compliance Officer, First National Bank LI (Long Island)
  • John Davis, Payments Risk Manager, U.S. Bank 

4:00 PM – 4:15 PM

Break

4:15 PM – 5:15 PM

GENERAL SESSION

Evolving Your DEI Program
(Offered In-Person and On-Demand)

  • Richard Harvey Executive Vice President, General Counsel and Director of Compliance Risk at Beneficial State Bank
  • Francis Janes, Industry Relations and Partnerships Director, Beneficial State Foundation, Shareholder  

5:15 PM – 6:15 PM

Reception in The Hub

6:00 PM – 7:00 PM

CRCM Reception 
Invitation Only

7:00 PM

Day 2 Concludes

Thu, June 23

Day 3 Theme: Adapting to Change

7:30 AM – 5:30 PM

Registration Open

7:30 AM – 8:30 AM

THURSDAY POWER BREAKFAST SESSIONS

Take full advantage of your conference experience!  Join one of our expert corporate partners for a quick-paced informative session all while enjoying breakfast.  Seating is first-come, first-served - no reservations are required.  A breakfast buffet will be available from 7:15 am – 7:45 am for attendees attending these sessions.

PB 1: Simplify State Level Compliance and Achieve Data-Certainty
Sponsored by Wolters Kluwer

Gain key insight into how Expert Augmented Intelligence helps simplify and refine state and federal compliance and replace the expensive annual state surveys with dynamic technology. We will share how top banks are able to reduce reliance on third party legal firms, connect various components of regulatory change management together and offer a CCO perspective on how that impact is realized.

  • Kris Stewart, Senior Director, Regulatory Compliance Analysis, Compliance Center of Excellence, Wolters Kluwer
  • Bob Schroden, Director of Solution Design, Wolters Kluwer
  • Elaine Duffus, Senior Specialized Consultant, Wolters Kluwer

PB 2: The Banker’s Survival Guide to Compliance Risk Management   
Sponsored by Mitchell Sandler, LLC

Join industry leading consumer financial services attorneys at Mitchell Sandler LLC for a rapid-fire discussion of industry trends, supervisory updates and enforcement developments to guide you through the ever-changing compliance risk landscape.

  • Andrea Mitchell, Managing Partner, Mitchell Sandler 
  • Daniella Casseres Partner, Head of Mortgage Regulatory Practice Group, Mitchell Sandler 
  • Oy Koya, Counsel, Mitchell Sandler

7:45 AM – 8:15 AM

Continental Breakfast in The Hub

8:15 AM – 8:45 AM

Break

8:30 AM – 8:45 AM

Coffee and Conversations in the Foyer
Sponsored by Guidehouse

8:45 AM – 10:00 AM

GENERAL SESSION
(Offered In-Person and On-Demand)

Compliance 2032: What Will the Next Decade of Technological Innovation Bring? 

Part 1: Compliance Officer of the Future – 2030 and Beyond!

A lot has changed in a year – and a decade from now compliance will look vastly different. Compliance innovation expert, Jo Ann Barefoot, CEO & Cofounder, Alliance for Innovative Regulation, will outline what she sees will be essential skills for the compliance officer of the future, along with how tasks will be divided between human expertise and machines. She will also explore the latest on how compliance technology continues to evolve and the role it will play in regulatory supervision.  

  • Jo Ann Barefoot, CEO & Cofounder, Alliance for Innovative Regulation

Part 2: Machine Learning and AI:  From Mitigating Bias to Maximizing Value

Leading technologist Gary Shiffman, Founder and CEO of Giant Oak and Co-Founder and CEO of Consilient will discuss the evolving future of compliance accuracy and ethics in artificial intelligence and machine learning. He’ll look at the tradeoffs between accuracy and fairness and accuracy and privacy and how building good models will change our business practices in the future.

  • Gary Shiffman, Founder and CEO of Giant Oak and Co-Founder and CEO of Consilient

10:00 AM – 10:45 AM

Coffee Break in The Hub

10:45 AM – 11:30 AM

CONCURRENT SESSIONS – SERIES 8
(repeated from series 6)

8A: BNPL: Buy Now, Pay Later: Regulatory Risk and Reducing Possible Customer Harm
Repeated from 6A (Offered In-Person and On-Demand)

BNPL is gaining momentum and broader acceptance in the marketplace with each passing month. What should your bank be evaluating when or if it is thinking of offering it? What are the risks when working with a 3rd party? Are there things you should be educating your customers on? This session will explore the various BNPL structures and their inherent risks, as well as concerns being raised by Regulatory agencies. By attending you will gain a better understanding of the methods being made available to consumers and the possible pitfalls associated with them.

  • Scott H Pope, CRCM, Senior Vice President, Payments CRO Risk and Compliance Senior Manager - Consumer and Small Business Payments, U.S. Bank 

8B: Analyzing and Adjusting Your Program for UDAAP Risks
Repeated from 6B (Offered In-Person and On-Demand)

Join us for a dynamic, practical discussion related to escalated UDAAP concerns.    UDAAP risk isn’t one-size-fits-all; likewise, we will discuss tools to assist with adapting UDAAP Programs to your bank’s risk tolerance.   Learn different management communication strategies for elevated UDAAP risks without creating a fire drill.

  • Moderator: Kitty Ryan, Senior Vice President and Senior Counsel, Fair and Responsible Banking, Regulatory Compliance & Policy, American Bankers Association
  • Amanda McNally, Compliance Manager, Enterprise Testing and Validation, Wells Fargo Bank, NA
  • Krysti Cunningham, Chief Risk Officer, Security National Bank

8C: Challenges and Opportunities in Testing for Discrimination in Non-Credit Operations
Repeated from 6C (Offered In-Person and On-Demand)

  • Arthur P. Baines, Vice President, Co-Practice Leader of Financial Economics, Charles River Associates 
  • Lori Sommerfield, Partner,  Troutman Pepper Hamilton Sanders LLP

8D: Cybersecurity Risks – It’s Everyone’s Responsibility 
Repeated from 6D (Offered In-Person Only)

Cyber risk management rolls through compliance at some point, whether it is through the change management process, oversight of the consumer notification following a cyber-breach, or simply ensuring the due diligence of your business unit’s third parties. In this session, we will talk about bank expectations with new and upcoming competing cyber breach rules.  Learn firsthand about these rules and hear a discussion of their impact on your bank and potentially your compliance.

  • Paul Benda, Senior Vice President, Operational Risk and Cybersecurity, American Bankers Association

8E: QM: Questions and Concerns
Repeated from 6E (Offered In-Person and On-Demand)

  • Rod Alba, Senior Vice President, Real Estate Finance and Mortgage, American Bankers Association

8F: Innovation Impact to the Insurance Industry: Regulatory Challenges Banks Face
Repeated from 6G (Offered In-Person Only)

The rapid adoption of new technology is transforming the insurance industry. The internet of things, big data, artificial intelligence, and machine learning are disrupting traditional underwriting models and enabling insurance companies to offer customers better pricing. For banks engaged in insurance activities, the use of new software, application programming interfaces (“APIs”), and virtual agents is changing the way insurance is marketed and enabling banks to offer improved customer experience by making the quoting and binding process frictionless. Today’s presentation discusses how banks determine which insurance products to sell, the challenges associated with applying antiquated laws to novel insurance sales practices and how regulators are responding. 

  • Moderator: J. Kevin A. McKechnie, Executive Director & Founder, ABA Health Savings Account Council, Senior Vice President and Director, ABA Office of Insurance Advocacy, ABA Congressional Relations and Political Affairs, American Bankers Association 
  • Chrys Lemon, Partner, McIntyre & Lemon, PLLC
  • Scott Stathis, Co-Founder and Managing Director, Financial Institution Insurance Council
  • Douglas W. Harrison, CPCU, ACP, AIS, Senior Director of Insurance Compliance, Senior Vice President, Truist Enterprise Compliance Risk Management

8G: Reg E Disputes: Creating Opportunities for Collaboration Between Compliance and Fraud 
Repeated from 6G (Offered In-Person and On-Demand)

We all know that new payment platforms, slow changing regulations and increasing check fraud are all issues we all face today. This session will help clarify some common Reg E misconceptions and will cover ways that you can facilitate fraud and compliance “getting along” at your bank. Additionally, you will gain new insights into dispute management as well as creating a customer centric program while managing fraud liability.

  • Moderator: Heather C. Schaefer CRCM, JD, Vice President, Chief Compliance Officer, First Financial Bank, NA 
  • Nessa Feddis, Senior Vice President and Senior Counsel, Regulatory Compliance and Policy, American Bankers Association
  • Jerod Moyer, CRCM, Consultant; Banker's Compliance Consulting

8H: Home But Not Alone: Managing and Recruiting Tomorrow’s Workforce
Repeated from 6H (Offered In-Person and On-Demand)

Companies of all sizes are pivoting their efforts to recruit and retain today’s top talent due to increased demands for hybrid workplaces in 2022. Some of these initiatives include offering remote work environments and flexible schedules that driving collaboration and culture among hybrid employees. Creating a new focus on career development including training, better IT resources and individual development plans. Join our panel as we discuss these challenging issues and possible solutions in today’s post-Covid world.

  • Moderator/Speaker: Stephanie Bowers, CLO Legal Operations, Corporate Regulatory Counsel, Chief Legal Office, USAA
  • Dameshia Mosley, CFE, CRCM, Vice President, Deputy Director of Compliance – Operations, First National Bank Texas
  • Thomas W. Williams, CRCM, CCBIA, ACT Specialist, Senior Vice President, Senior Compliance Manager, United Bank

11:30 AM – 1:30 PM

Lunch in The Hub

1:30 PM – 2:30 PM

GENERAL SESSION
(Offered In-Person and On-Demand)

Compliance Roundtable: Lasting Compliance Risk Management Lessons from COVID-19

This fast-paced roundtable of compliance leaders will discuss the top pressing issues in managing the compliance function in this new era. The discussion will revolve around how banks are using data and technology to understand and act on current and future compliance risks. They will also look at the compliance management processes and/or elements will be forever different in the post-pandemic world. Along those lines, we’ll also look at whether our business continuity plans REALLY worked. We’ll also touch on next-generation workforce issues.

  • Moderator: Ryan Rasske, Senior Vice President, Risk and Compliance Markets, American Bankers Association
  • Maureen Carollo, Senior Compliance Advisor, Regulatory Advisor, Paul Foster Law Offices P.C.   
  • Krysti Cunningham, Senior Vice President, Chief Risk Officer, CRCM CAMS, Security National Bank of Omaha

2:30 PM – 3:30 PM

Final Dessert in The Hub

3:30 PM – 4:15 PM

CONCURRENT SESSIONS – SERIES 9
(repeated in series 10)

In this series, we will also include three additional “Pop Up Discussions” which you will choose by vote during this morning’s general session.

9A: Transitioning to Responsible and Fair Banking – It’s Not Just Fair Lending Anymore   
Repeated in 10A (Offered In-Person and On-Demand)

In recent years, many institutions are leveraging their fair lending program to integrate the principals around responsible and fair banking resulting in holistic program that is not only more consumer friendly but can help in reaching the unbanked, underbanked and other non-traditional markets. This panel will share leading practices surrounding governance and oversight considerations, including policy and procedure updates, management reporting and KRI updates. Additionally, they will explore the assessment process including looking beyond lending to products and services as well as leveraging it to improve customer experience. We’ll also review current supervisory expectations along with Board of Directors and Senior Management expectations, roles and responsibilities.

  • Moderator/Speaker: Elizabeth M. Snyder, CRCM, Senior Director of Risk Management and Regulatory Compliance at Spinnaker Consulting Group LLC
  •  Heather C. Schaefer CRCM, JD, Vice President, Chief Compliance Officer, First Financial Bank, NA
  • Shannon Thomason, CRCM, CERP, Chief Compliance Officer, Senior Vice President, Central Bank

9B: New Mortgage Servicing Compliance Expectations
Repeated in 10B (Offered In-Person and On-Demand)

Regulatory officials are reviewing mortgage servicing compliance under new standards and along with that has come an increase in fines and consent orders.   What does the revised guidance and communications from both federal and state regulators mean for your program?   This session will examine these new concerns and provide tactics for reviewing your program against the new standards.   We’ll look at borrower loss mitigation options, foreclosure concerns, and effective and clear borrower communications practices that will better serve your institution and most importantly, your customers.      

  • Moderator: Teshale Smith, Counsel, Consumer Regulation and Compliance Solutions, American Bankers Association
  • Jason Bushby, Partner, Bradley Arant Boult Cummings, LLP 
  • Jennifer Rowen, Vice President, Compliance Program Management, Cenlar

9C: Compliance Management in the New World Order
Repeated in 10C (Offered In-Person and On-Demand)

  • Moderator: Krysti Cunningham, Senior Vice President, Chief Risk Officer, CRCM CAMS, Security National Bank of Omaha 
  • David Dickinson, President and Chief Executive Officer, Banker’s Compliance Consultants
  • Richard Harvey Executive Vice President, General Counsel and Director of Compliance Risk at Beneficial State Bank

9D: Leveraging Technology to Broaden Banking Services for the Underserved 
Repeated in 10D (Offered In-Person Only)

Join experts in a roundtable conversation about how to collaborate with community stakeholders to identify financial services needs and then design solutions to meet those needs. We’ll also discuss examples of financially inclusive products that maximize technology for the greatest reach. 

9E: What the Pandemic Taught Us
Repeated in 10E (Offered In-Person and On-Demand)

If the pandemic has taught us anything, it’s that fully locked down third-party compliance risk controls can encounter unexpected challenges. This session will explore the impact of the “new normal” and its impact on ensuring proper compliance controls and procedures for onboarding, training, assessing risk, risk based due diligence and approval and monitoring of third parties were occurring effectively. Special focus will also be given to how lessons learned can help you improve your program for future unexpected risks.   

  • Moderator: Lynn A. Tarantino, CRCM, CAMS, Senior Vice President, Chief Control Officer, Cenlar
  • Jill Czerwinski, Principal, Crowe LLP
  • Krista Shonk, Vice President and Senior Counsel, Regulatory Compliance and Policy, American Bankers Association

9F: Analyzing Your Fee Risk
Repeated in 10F (Offered In-Person and On-Demand)

In the current regulatory environment, having a clear understanding of the fees your bank assesses and their impacts on customers is essential in mitigating risks.  We will be presenting recommendations and suggestions on how you can structure a fee risk assessment for your bank.

  • Scott H Pope, CRCM, Senior Vice President, Payments CRO Risk and Compliance Senior Manager - Consumer and Small Business Payments, U.S. Bank

Pop Up Discussions (1-2 options)

It’s the end of the conference and instead of attending another session – join your peers for a discussion that you will select.  During the general session, we will provide you with a discussion topics and you will vote for one.  You will be greeted in the meeting room by compliance experts who will lead you in a lively, problem- solving discussion that you requested!

4:15 PM – 4:30 PM

Break

4:30 PM – 5:15 PM

CONCURRENT SESSIONS – SERIES 10
(repeated in series 9)

In this series, we will also include three additional “Pop Up Discussions” which you will choose by vote during this morning’s general session.

10A: Transitioning to Responsible and Fair Banking – It’s Not Just Fair Lending Anymore
Repeated in 9A (Offered In-Person and On-Demand)

In recent years, many institutions are leveraging their fair lending program to integrate the principals around responsible and fair banking resulting in holistic program that is not only more consumer friendly but can help in reaching the unbanked, underbanked and other non-traditional markets. This panel will share leading practices surrounding governance and oversight considerations, including policy and procedure updates, management reporting and KRI updates. Additionally, they will explore the assessment process including looking beyond lending to products and services as well as leveraging it to improve customer experience. We’ll also review current supervisory expectations along with Board of Directors and Senior Management expectations, roles and responsibilities.

  • Moderator/Speaker: Elizabeth M. Snyder, CRCM, Senior Director of Risk Management and Regulatory Compliance at Spinnaker Consulting Group LLC
  • Heather C. Schaefer CRCM, JD, Vice President, Chief Compliance Officer, First Financial Bank, NA
  • Shannon Thomason, CRCM, CERP, Chief Compliance Officer, Senior Vice President, Central Bank

10B: New Mortgage Servicing Compliance Expectations
Repeated in 9B (Offered In-Person and On-Demand)

Regulatory officials are reviewing mortgage servicing compliance under new standards and along with that has come an increase in fines and consent orders.   What does the revised guidance and communications from both federal and state regulators mean for your program?   This session will examine these new concerns and provide tactics for reviewing your program against the new standards.   We’ll look at borrower loss mitigation options, foreclosure concerns, and effective and clear borrower communications practices that will better serve your institution and most importantly, your customers.

  • Moderator: Teshale Smith, Counsel, Consumer Regulation and Compliance Solutions, American Bankers Association
  • Jason Bushby, Partner, Bradley Arant Boult Cummings, LLP 
  • Jennifer Rowen, Vice President, Compliance Program Management, Cenlar

10C: Compliance Management in the New World
Repeated in 9C (Offered In-Person and On-Demand)

  • Moderator: Krysti Cunningham, Senior Vice President, Chief Risk Officer, CRCM CAMS, Security National Bank of Omaha 
  • David Dickinson, President and Chief Executive Officer, Banker’s Compliance Consultants
  • Richard Harvey Executive Vice President, General Counsel and Director of Compliance Risk at Beneficial State Bank

10D: Leveraging Technology to Broaden Banking Services for the Underserved 
Repeated in 9D (Offered In-Person Only)

Join experts in a roundtable conversation about how to collaborate with community stakeholders to identify financial services needs and then design solutions to meet those needs. We’ll also discuss examples of financially inclusive products that maximize technology for the greatest reach. 

10E: Third-Party Management: What the Pandemic Taught Us
Repeated in 9E (Offered In-Person and On-Demand)

If the pandemic has taught us anything, it’s that fully locked down third-party compliance risk controls can encounter unexpected challenges. This session will explore the impact of the “new normal” and its impact on ensuring proper compliance controls and procedures for onboarding, training, assessing risk, risk based due diligence and approval and monitoring of third parties were occurring effectively. Special focus will also be given to how lessons learned can help you improve your program for future unexpected risks.   

  • Moderator: Lynn A. Tarantino, CRCM, CAMS, Senior Vice President, Chief Control Officer, Cenlar
  • Jill Czerwinski, Principal, Crowe LLP
  • Krista Shonk, Vice President and Senior Counsel, Regulatory Compliance and Policy, American Bankers Association

10F: Analyzing Your Fee Risk
Repeated from 9F (Offered In-Person and On-Demand)

In the current regulatory environment, having a clear understanding of the fees your bank assesses and their impacts on customers is essential in mitigating risks.  We will be presenting recommendations and suggestions on how you can structure a fee risk assessment for your bank.

  • Scott H Pope, CRCM, Senior Vice President, Payments CRO Risk and Compliance Senior Manager - Consumer and Small Business Payments, U.S. Bank

Pop Up Discussions (1-2 options)

It’s the end of the conference and instead of attending another session – join your peers for a discussion that you will select. During the general session, we will provide you with a discussion topics and you will vote for one.   You will be greeted in the meeting room by compliance experts who will lead you in a lively, problem- solving discussion that you requested!

5:15 PM

Day 3 Concludes

Fri, June 24

7:30 AM – 10:30 AM

Registration Open

7:30 AM – 8:30 AM

FRIDAY POWER BREAKFAST SESSIONS

Take full advantage of your conference experience!  Join one of our expert corporate partners for a quick-paced informative session all while enjoying breakfast.  Seating is first-come, first-served - no reservations are required.  A breakfast buffet will be available from 7:15 am – 7:45 am for attendees attending these sessions.

PB 1: CRCM Information Session
Sponsored by ABA Professional Certifications – CRCM

Ready to earn the CRCM? Now’s the time. Join our experts for breakfast and learn how to best prepare for the highly industry recognized Certified Regulatory Compliance Manager (CRCM) certification.  

PB 2:  To Boldly Go Where Compliance Has Never Gone Before!, Sponsored by Crowe LLP

Today’s compliance professionals are tasked with new topics such as cannabis, crypto currency, buy now, pay later, and more. Are you prepared for the bank of the future and how will your compliance program stand up, or will the Klingons be a force to reckon with?

  • Niall Twomey, Principal, Crowe LLP
  • Paul Osborne, Partner, Crowe LLP

7:45 AM – 8:45 AM

Continental Breakfast in the foyer

8:30 AM – 8:45 AM

Coffee and Conversations in the Foyer 
Sponsored by Guidehouse

8:45 AM – 9:30 AM

GENERAL SESSION
(Offered In-Person and On-Demand)

9:30 AM – 9:45 AM

Coffee Break in the foyer

9:45 AM – 10:45 AM

GENERAL SESSION
(Offered In-Person and On-Demand)

Regulatory Hot Topics Roundtable

Join us for our annual panel of senior supervisory officials from the FDIC, OCC and the Board of Governors of the Federal Reserve as they discuss current exam concerns, agency initiatives and other hot button issues.

  • Moderator: Ginny O’Neill, Executive Vice President, Regulatory Compliance and Policy, American Bankers Association
  • Eric Belsky, Director, Division of Consumer and Community Affairs, Board of Governors of the Federal Reserve
  • Grovetta N. Gardineer, Senior Deputy Comptroller for Bank Supervision Policy, Office of the Comptroller of the Currency
  • Mark Pearce, Director, Division of Depositor and Consumer Protection, Federal Deposit Insurance Corporation
  • Lorelei Salas, Supervision Director, Consumer Financial Protection Bureau

10:45 AM – 11:00 AM

Break

11:00 AM – 12:00 PM

CLOSING GENERAL SESSION
(Offered In-Person and On-Demand)

What to Tell Your CEO When You Return to the Bank

We are bringing back an RCC favorite! ABA’s top regulatory staff experts will summarize key regulatory takeaways from the conference, giving you a framework to discuss your bank’s compliance priorities in the coming year.

  • Moderator: Ginny O’Neill, Executive Vice President, Regulatory Compliance and Policy, American Bankers Association

12:00 PM

Conference Concludes

On-Demand Recordings

Concurrent Sessions

On-Demand Recordings:

  • Analyzing Your Fee Risk
  • BNPL: Buy Now, Pay Later: Regulatory Risk and Reducing Possible Customer Harm
  • Building a Compliance Risk Management Framework for FinTech Partnerships
  • Compliance Strategies for Crypto and Digital Assets
  • Evaluating Your Overdraft Program
  • Fair Banking/Fair Lending: Preparing for the 1071 Implementation
  • Fair Servicing in Light of the Pandemic
  • FCRA: New (and Old!) Concerns
  • Flood Compliance Update
  • HMDA Data: Compiling the Data to Create a Market/Geographic Scorecard
  • Home But Not Alone: Managing and Recruiting Tomorrow’s Workforce
  • Analyzing and Adjusting Your Program for UDAAP Risks
  • New Approaches to Appraisal Reviews
  • New Mortgage Servicing Compliance Expectations
  • QM: Questions and Concerns
  • Challenges and Opportunities in Testing for Discrimination in Non-Credit Operations
  • Reg E Disputes: Creating Opportunities for Collaboration Between Compliance and Fraud
  • Compliance Management in the New World Order
  • Risk Framework Management and Oversight in an “Agile” World
  • The DNA of a M&A: Due Diligence
  • The Perfect Storm: A Case Study in Preparing for the Dual Implementation of CRA Modernization and 1071
  • The World Has Changed – Your Risk Assessment Should Too!
  • Third-Party Management – What the Pandemic Taught Us
  • Top Things You Need to Know About CRA Modernization
  • Transitioning to Responsible and Fair Banking – It’s Not Just Fair Lending Anymore
  • Understanding the ESG Impact on Compliance
  • Website Accessibility Litigation and Enforcement Risks
  • What Does the 2021 HMDA Data Tell Us?

General Sessions

On-Demand Recordings:

  • Keynote Address: Network is Not a Verb: Building a Sustainable Network of Resources
  • State of the Industry
  • Compliance in the Hybrid World:  Fueling the Talent to Create Success
  • Evolving Your DEI Program
  • Compliance 2032:  What Will the Next Decade of Technological Innovation Bring? 
  • Part 1: Compliance Officer of the Future
  • Part 2: Machine Learning and AI:  From Mitigating Bias to Maximizing Value
  • Compliance  Roundtable: Lasting Compliance Risk Management Lessons from COVID-19
  • Regulatory Hot Topics Roundtable
  • What to Tell Your CEO When You Return to the Bank
This program is subject to change. Please bookmark this page to check for continuing updates. Read ABA Conference and School Policies to help answer additional questions.

Keep Me Informed

Get updates on the Regulatory Compliance Conference as we develop next year's program. Contact [email protected] if you have any questions.