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Risk and Compliance Conference

Program | Risk and Compliance Conference

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2023 Program

All times in CT. This program is subject to change. Speakers are added as they are confirmed.

  • Mon, Jun 12

  • Tues, Jun 13

  • Wed, Jun 14

  • Thurs, Jun 15

  • Fri, Jun 16

  • On-Demand Only Sessions

Mon, Jun 12

2:00 PM – 5:00 PM

Early Registration Open

4:00 PM – 5:00 PM

New Attendee Orientation and Pre-Conference Meet and Greet (Optional)

More fun than lecture, stop by our meet and greet to get to know fellow attendees and to get tips on maximizing your conference experience. This is open to all first-time conference attendees.

Tues, Jun 13

7:30 AM – 5:30 PM

Registration Open

7:30 AM – 8:30 AM

Welcome Continental Breakfast in the Foyer

Sponsored By Guidehouse

8:30 AM – 10:00 AM

General Session

Welcome and State of the Industry

  • Rob Nichols, President and CEO, American Bankers Association

Technology’s Impact on Improving Bank Risk Management Performance 

We’ve heard it – we’ve said it – technology will change the fundamental relationship customers have with banks, impacting every phase of the customer life cycle. We’ve also made predictions in recent years on how technological advances are changing how we manage risk across the enterprise. Join our think tank of financial services executives and technologists who will dig into the issues specific to risk and compliance. Discussions will cover new products, customer interactions, data issues and how to scale based on your size and strategic direction. We will spend time focusing on AI, exploring the risks and rewards as it applies to managing risk and compliance. 

Moderator:

  • Ryan Rasske, Senior Vice President, Risk and Compliance, American Bankers Association

Speakers:

  • JoAnn Barefoot, Founder and CEO, Alliance for Innovative Regulation
  • Yvette Hollingsworth Clark, Executive Vice President and Chief Compliance Officer, State Street Bank
  • Harsh R. Pandya, President, Giant Oak
  • Brooke Ybarra, Senior Vice President, Innovation and Strategy, American Bankers Association

10:00 AM – 10:15 AM

Break

10:15 AM – 11:00 AM

Concurrent Series 1

1A Convergence of Risk and Compliance in 2nd Line Compliance Testing
Repeated in 2A

This session will delve into concerns surrounding the development and updating of the risk appetite statement, how to align ERM KRIs with Compliance KRIs, defining what constitutes an operational risk event beyond compliance violations, and how to achieve alignment between first and second lines in monitoring and testing.

Moderator/Speaker:

  • Charles P. Corbezzolo CRCM, CIPP, Senior Vice President, Business Management & Governance, TD Bank 

Speakers:

  • Sharmane (Hines) Andrews, CRCM, Senior Vice President - Regulatory and Consumer Affairs, Simmons Bank
  • Brian Kostek, CRCM, Managing Director Protiviti

Tracks: Compliance and Risk

1B Understanding the Differences Between Corporate Culture, Risk Culture and Ethical Conduct Culture and Leveraging All Three for a Risk-Aware Culture
Repeated in 2B

While we think we understand the importance of corporate culture, is it clear how importance it can be in managing risk? In today’s environment, it is critical to take a step back and consider how complex culture is in order to think through its individual components, how they are interrelated, and how you can leverage these various components in order to create leading and sustainable practices in managing corporate culture. We will discuss ways to pull the levers to cultivate a vibrant corporate culture, develop a strong riskaware culture, along with maintenance of an ethical conduct culture. You’ll walk away with a deep understanding of ways to use these culture complexities to your advantage, to ensure your firm is aware of the leading practices surrounding all three.

Moderator:

  • Cara Williams, CERP, CRCM, CCEP-I, Principal, Risk and Compliance Practice, Spinnaker Consulting Group

Speakers:

  • Catherine “Celie” Niehaus, Chief Compliance Officer, USAA
  • Christopher T. Spellman, CRCM, Senior Vice President, and Corporate Compliance Director, Heartland Financial USA, Inc
  • Bill Tucker, CERP, CRCM, CAFP, CIA, Head of Risk Governance, Citibank, NA

Tracks: Compliance and Risk

1C Balancing Competing Risks in the Climate and ESG Space
Repeated in 2C

While banks have long managed the physical risks to their facilities and portfolios, those risks – and regulators scrutiny of them – is changing along with the climate. Adding to the tension is an evolving set of expectations from customers, employees and investors on what role banks play in advancing – or in some instances, resisting – ESG and climate policies advocated by ever growing activists across the ideological spectrum, as well as enhanced scrutiny on banks from politicians and policy makers who are energized in pushing their own agendas. This panel of compliance, risk and policy experts will offer their perspectives on how to balance these risks and ensure that banks can continue to pursue the approaches that best serve their and their customer and communities’ interests.

Moderator:

  • Joe Pigg, Senior Vice President, American Bankers Association

Speakers:

  • J. Scott Beckerman, Senior Vice President, Comerica
  • Francis Janes, Industry Relations and Partnerships Director, Beneficial State Foundation
  • Mark A. Pitkin, President and CEO, Sugar River Bank

Tracks: Compliance and Risk

1D You Are at the Table – Make Sure You Are Invited Back!
Repeated in 2D

For decades compliance and risk have asked for a seat at the table. You are now permanently seated at the table, but are you actively creating value for the bank’s overall strategic plan? This session will include a first time discussion on how to calculate and communicate risk and compliance ROI. We will also review the types of business acumen that is required to elevate your status at the table from advisor to partner. Finally, we’ll share ideas on making the relevant business case for more resources, when the need arises.

Moderator:

  • Thomas Williams, CRCM, CCBIA, ACT Specialist, Senior Compliance Manager / Senior Vice President, United Bank

Speakers:

  • Stephanie Boryla, CERP, MBA, Senior Director of Enterprise Risk Management, Risk Management Administration, Arvest Bank 
  • Maureen Carollo, CRCM, CAMS, Chief Compliance Officer and Chief Risk Officer, Senior Vice President, Old Glory Bank
  • Marilu Jimenez, Esq., CAMs, President, FINCAdvisors LLC

Tracks: Compliance and Risk

1E Payment Fraud: Perception vs. Reality and How to Stay One Step Ahead
Repeated in 2E

The fraud and scams landscape is one of the most dynamic and fast-changing in the financial ecosystem, and one where it is essential to stay one step ahead of the bad actors. In a dynamic fireside chat, Ben Chance, Early Warning’s Chief Fraud Risk Management Officer and Paul Benda, ABA’s Senior Vice President of Operational Risk and Cybersecurity, will help you assess the top payment risks in the P2P space today and they will share the latest industry leading approaches to fraud and scam risk prevention with a focus on P2P networks.    This session will help you understand and evaluate payment risks, expand your fraud and scam fighting toolbox, and help you manage rising regulatory and reputational risk concerns to protect your bank and your customers.

Speakers:

  • Paul Benda, Senior Vice President, Operational Risk and Cybersecurity at American Bankers Association
  • Ben Chance, Chief Fraud Risk Management Officer, Early Warning (owners and operators of the Zelle Network®) 

Tracks: Compliance and Risk

1F Modeling Interest Rate Risk
Repeated in 2F

In the current interest rate environment, interest rate risk model assumptions have become an even a more important component of an institution’s risk management process. Speakers will discuss how to determine appropriate (and supportable) institution-specific assumptions to improve your interest rate modeling. We’ll also discuss the connections to your overall strategic planning process.

Moderator:

  • John P. Bonora, CRCM, Executive Vice President, Chief Financial Officer, Chief Risk Officer and Treasurer, First County Bank

Speakers:

  • Chris Smigielski, Model Risk Director, Arvest Bank
  • Matthew K. Miller, Executive Managing Director, FinPro, Inc.

Track: Risk

1G Assessing Your Contingency Funding Plan
Repeated in 2G

While you have likely revisited your contingency funding plan since the recent crisis, this session is designed to give you a road map for analyzing where you should be based on current regulatory expectations and leading industry practices. Don’t miss this opportunity to benchmark your own practices against current industry practices.

Moderator:

  • Robert Strand, PhD, Vice President and Senior Economist, Economic Policy and Research, American Bankers Association

Speakers:

  • Jarryd E. Anderson, Partner, O’Melveny & Myers LLP
  • Anthony Donatelli, Executive Vice President and Director of Strategic Planning, Capital Management and Stress Testing, New York Community Bancorp, Inc.
  • Jarryd Briggs, Vice President and Assistant Treasurer, Financial Integrity Group, Umpqua Bank

Track: Risk

1H Lessons Learned from Recent Fair Lending Enforcement Actions and Judgements
Repeated in 2H

Sometimes looking back is the best way to plan for the future! Join our experts as they walk through specific fair lending enforcement cases, the conclusions you should draw and the changes you should make based on the findings.

Moderator:

  • Kitty Ryan, Senior Vice President, Fair and Responsible Banking, American Bankers Association

Speakers:

  • Gregory Imm, Chief Compliance Officer, M&T Bank
  • Andrea Mitchell, Managing Partner, Mitchell Sandler, LLC 

Track: Compliance

1I Mortgage Servicing
Repeated in 2I

We’ve got some distance from pandemic-era servicing issues, but as some issues fade, new issues emerge and require acute attention. Join us as we walk through the latest key mortgage servicing risks and mitigating strategies for your program.

Moderator:

  • Lynn Tarantino, CRCM, CAMS, Senior Vice President, Chief Control Officer Cenlar FSB

Speakers:

  • Jason R. Bushby, Partner, Bradley
  • Laura Ann Pontelandolfo, Assistant General Counsel, Legal Department, Cenlar, FSB

Track: Compliance

1J The State of Play on CRA
Repeated in 2J

This session is your update on the current state of play of CRA modernization. In addition, you will hear how a modernized CRA regulatory framework may impact bank business strategy, budgeting and staffing considerations, and why CRA planning and community partnerships will be more important than ever.

Moderator/Speaker:

  • Krista Shonk, Vice President and Senior Counsel, Regulatory Compliance and Policy, Fair & Responsible Banking, American Bankers Association

Speakers:

  • Nathalia Artus, Director of Community Development, Atlantic Union Bank
  • Danielle Vaughan, CRCM, President-Compliance, FirstBank 

Track: Compliance

11:00 AM – 11:15 AM

Break

11:15 AM – 12:00 PM

Concurrent Series 2

2A Convergence of Risk and Compliance in 2nd Line Compliance Testing
Repeated in 1A

This session will delve into concerns surrounding the development and updating of the risk appetite statement, how to align ERM KRIs with Compliance KRIs, defining what constitutes an operational risk event beyond compliance violations, and how to achieve alignment between first and second lines in monitoring and testing.

Moderator/Speaker:

  • Charles P. Corbezzolo CRCM, CIPP, Senior Vice President, Business Management & Governance, TD Bank 

Speakers:

  • Sharmane (Hines) Andrews, CRCM, Senior Vice President - Regulatory and Consumer Affairs, Simmons Bank
  • Brian Kostek, CRCM, Managing Director Protiviti

Tracks: Compliance and Risk

2B Understanding the Differences in Corporate Culture, Risk Culture and Conduct Risk Culture and Leveraging All Three for a Risk-Aware Culture
Repeated in 1B

While we think we understand the importance of corporate culture, is it clear how importance it can be in managing risk? In today’s environment, it is critical to take a step back and consider how complex culture is in order to think through its individual components, how they are interrelated, and how you can leverage these various components in order to create leading and sustainable practices in managing corporate culture. We will discuss ways to pull the levers to cultivate a vibrant corporate culture, develop a strong risk aware culture, along with maintenance of an ethical conduct culture. You’ll walk away with a deep understanding of ways to use these culture complexities to your advantage, to ensure your firm is aware of the leading practices surrounding all three.

Moderator:

  • Cara Williams, CERP, CRCM, CCEP-I, Principal, Risk and Compliance Practice, Spinnaker Consulting Group

Speakers:

  • Catherine “Celie” Niehaus, Chief Compliance Officer, USAA
  • Christopher T. Spellman, CRCM, Senior Vice President, and Corporate Compliance Director, Heartland Financial USA, Inc
  • Bill Tucker, CERP, CRCM, CAFP, CIA, Head of Risk Governance, Citibank, NA

Tracks: Compliance and Risk

2C Balancing Competing Risks in the Climate and ESG Space
Repeated in 1C

While banks have long managed the physical risks to their facilities and portfolios, those risks – and regulators scrutiny of them – is changing along with the climate. Adding to the tension is an evolving set of expectations from customers, employees and investors on what role banks play in advancing – or in some instances, resisting – ESG and climate policies advocated by ever growing activists across the ideological spectrum, as well as enhanced scrutiny on banks from politicians and policy makers who are energized in pushing their own agendas. This panel of compliance, risk and policy experts will offer their perspectives on how to balance these risks and ensure that banks can continue to pursue the approaches that best serve their and their customer and communities’ interests.

Moderator:

  • Joe Pigg, Senior Vice President, American Bankers Association

Speakers:

  • J. Scott Beckerman, Senior Vice President, Comerica
  • Francis Janes, Industry Relations and Partnerships Director, Beneficial State Foundation
  • Mark A. Pitkin, President and CEO, Sugar River Bank

Tracks: Compliance and Risk

2D You Are at the Table – Make Sure You Are Invited Back!
Repeated in 1D

For decades compliance and risk have asked for a seat at the table. You are now permanently seated at the table, but are you actively creating value for the bank’s overall strategic plan? This session will include a first time discussion on how to calculate and communicate risk and compliance ROI. We will also review the types of business acumen that is required to elevate your status at the table from advisor to partner. Finally, we’ll share ideas on making the relevant business case for more resources, when the need arises.

Moderator:

  • Thomas Williams, CRCM, CCBIA, ACT Specialist, Senior Compliance Manager / Senior Vice President, United Bank

Speakers:

  • Stephanie Boryla, CERP, MBA, Senior Director of Enterprise Risk Management, Risk Management Administration, Arvest Bank 
  • Maureen Carollo, CRCM, CAMS, Chief Compliance Officer and Chief Risk Officer, Senior Vice President, Old Glory Bank
  • Marilu Jimenez, Esq., CAMs, President, FINCAdvisors L

Tracks: Compliance and Risk

2E Payment Fraud: Perception vs. Reality and How to Stay One Step Ahead

Repeated in 1E

The fraud and scams landscape is one of the most dynamic and fast-changing in the financial ecosystem, and one where it is essential to stay one step ahead of the bad actors. In a dynamic fireside chat, Ben Chance, Early Warning’s Chief Fraud Risk Management Officer and Paul Benda, ABA’s Senior Vice President of Operational Risk and Cybersecurity, will help you assess the top payment risks in the P2P space today and they will share the latest industry leading approaches to fraud and scam risk prevention with a focus on P2P networks.    This session will help you understand and evaluate payment risks, expand your fraud and scam fighting toolbox, and help you manage rising regulatory and reputational risk concerns to protect your bank and your customers.

Speakers:

  • Paul Benda, Senior Vice President, Operational Risk and Cybersecurity at American Bankers Association
  • Ben Chance, Chief Fraud Risk Management Officer, Early Warning (owners and operators of the Zelle Network®) 

Tracks: Compliance and Risk

2F Modeling Interest Rate Risk
Repeated in 1F

In the current interest rate environment, interest rate risk model assumptions have become an even a more important component of an institution’s risk management process. Speakers will discuss how to determine appropriate (and supportable) institution-specific assumptions to improve your interest rate modeling. We’ll also discuss the connections to your overall strategic planning process.

Moderator:

  • John P. Bonora, CRCM, Executive Vice President, Chief Financial Officer, Chief Risk Officer and Treasurer, First County Bank

Speakers:

  • Chris Smigielski, Model Risk Director, Arvest Bank
  • Matthew K. Miller, Executive Managing Director, FinPro, Inc.

Track: Risk

2G Assessing Your Contingency Funding Plan
Repeated in 1G

While you have likely revisited your contingency funding plan since the recent crisis, this session is designed to give you a road map for analyzing where you should be based on current regulatory expectations and leading industry practices. Don’t miss this opportunity to benchmark your own practices against current industry practices.

Moderator:

  • Robert Strand, PhD, Vice President and Senior Economist, Economic Policy and Research, American Bankers Association

Speakers:

  • Jarryd E. Anderson, Partner, O’Melveny & Myers LLP
  • Anthony Donatelli, Executive Vice President and Director of Strategic Planning, Capital Management and Stress Testing, New York Community Bancorp, Inc.
  • Jarryd Briggs, Vice President and Assistant Treasurer, Financial Integrity Group, Umpqua Bank

Track: Risk

2H Lessons Learned from Recent Fair Lending Enforcement Actions and Judgements
Repeated in 1H

Sometimes looking back is the best way to plan for the future! Join our experts as they walk through specific fair lending enforcement cases, the conclusions you should draw and the changes you should make based on the findings.

Moderator:

  • Kitty Ryan, Senior Vice President, Fair and Responsible Banking, American Bankers Association

Speakers:

  • Gregory Imm, Chief Compliance Officer, M&T Bank
  • Andrea Mitchell, Managing Partner, Mitchell Sandler, LLC

Track: Compliance

2I Mortgage Servicing
Repeated in 1I

We’ve got some distance from pandemic-era servicing issues, but as some issues fade, new issues emerge and require acute attention. Join us as we walk through the latest key mortgage servicing risks and mitigating strategies for your program.

Moderator:

  • Lynn Tarantino, CRCM, CAMS, Senior Vice President, Chief Control Officer Cenlar FSB

Speakers:

  • Jason R. Bushby, Partner, Bradley
  • Laura Ann Pontelandolfo, Assistant General Counsel, Legal Department, Cenlar FSB

Track: Compliance

2J The State of Play on CRA
Repeated in 1J

This session is your update on the current state of play of CRA modernization. In addition, you will hear how a modernized CRA regulatory framework may impact bank business strategy, budgeting and staffing considerations, and why CRA planning and community partnerships will be more important than ever.

Moderator/Speaker:

  • Krista Shonk, Vice President and Senior Counsel, Regulatory Compliance and Policy, Fair & Responsible Banking, American Bankers Association

Speakers:

  • Nathalia Artus, Director of Community Development, Atlantic Union Bank
  • Danielle Vaughan, CRCM, President-Compliance, FirstBank

Track: Compliance

12:00 PM – 1:45 PM

Innovation Showcase Luncheon

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

Featuring Presentations From:

  • Azimuth GRC
  • Compliance.ai
  • Mitratech
  • PricewaterhouseCoopers LLP (PwC)
  • Resolver
  • Venminder
  • ABA Membership
  • ABA Certifications

1:45 PM – 2:00 PM

Break

2:00 PM – 2:45 PM

Concurrent Sessions – Series 3

3A Strategic Risk: Can You Have It All?
Repeated in 4A

As you manage your strategic risk, there are many factors that come into play when you are embarking upon a major transformation. Whether you are onboarding new technology or process or engaging in new activities and products, you have to have a road map for balancing profitability, costs, efficiencies, and risk controls. This session will provide you with a roadmap in thinking through measuring the strategic risks of transformation.

Moderator/Speaker:

  • Stephanie Boryla, CERP, MBA, Senior Director, Enterprise Risk Management, Arvest Bank

Speakers:

  • Aimee Hamilton, Chief Risk Officer, First Bank
  • Candice Rickard, CPA, CFEl, Candice Rickard Consulting

Tracks: Compliance and Risk

3B Intersection of DEI and Fair Banking 
Repeated in 4B

As compliance and risk professionals, we have focused on assessing the success of our customer interactions and products through a fair banking lens. It’s time to up our game and take a more holistic approach to managing the risk of a wide range of concerns from CRA to Appraisal Bias to Fair Lending. This discussion will offer ideas on how you can set up a framework for measuring fair banking risk and compliance through the lens of DEI. We’ll talk about regulatory expectations on how DEI should be embedded in your programs, we’ll review revising your governance structure to include DEI officer input in external customer contact policies/procedures and we’ll talk through the practical positive outcomes that can result from embedding DEI into your overall risk management strategy.

Speakers: 

  • Stephanie Bowers, NDCCDP, CDP, Compliance Risk Manager Lead, USAA
  • Michelle “Chelly” Lynch-Miller, Manager, Bank Operations, USAA
  • Heather C. Schaefer CRCM, JD, Vice President, Chief Compliance Officer, First Financial Bank, NA 

Tracks: Compliance and Risk

3C Overview of Top Insurance Risks 
Repeated in 4C

For the first time ever, directly from the ABA’s Insurance Risk Management Forum, you will hear the top insurance management risks and mitigation strategies. From flood to cyber to underwriting risks, we’ll give you a thorough overview of the insurance risk landscape and response strategies.

Moderator:

  • Joanne T. Campbell, CRCM, Executive Vice President, Enterprise Risk Management and Chief Risk Officer, Camden National Bank

Speakers:

  • Bruce Plummer, ARM, MBA, President, Northern Trust Services, Inc., Corporate and Trust Insurance, Northern Trust Corporation
  • Aaron M. Seiter, ARM, Senior Vice President, Corporate Insurance Executive and COO for Enterprise Data Management, The PNC Financial Services Group, Inc.

Tracks: Risk

3D Evolving Audit Governance
Repeated in 4D

The risk landscape is fast moving and becoming more complex. Although the third line’s fundamental responsibility of assurance hasn’t changed, how audit operates in this changing environment has to evolve. In this session, industry experts will discuss how your audit coverage model should be adapted based on changing business models and the improvements expected in second-line quality assurance and first-line quality control testing. We’ll also focus on audit design, dynamic risk assessment, plan adaptability and increased focus on opportunities to improve assurance for key risk areas.

Moderator:

  • Ann Marie Tarantino CRCM, CRP, AMLP, Senior Vice President, Chief Compliance Officer & Risk Officer, Esquire Bank

Speakers:

  • P. Jay Etra, CFCS, CFE, CIA, CRMA, Senior Vice President, Audit Director, Valley National Bank
  • Stephen King, Principal, Wolf and Company
  • Jennifer Lauver, Chief Audit Executive, Fulton Bank 

Track: Compliance and Risk

3E Aggregated and Integrated Risk Profile Reporting For More Effective and Efficient Board Oversight
Repeated in 4E

High functioning board oversight is reliant on the definition of a robust risk appetite statement, identification of relevant risk metric, and the development of effective and efficient risk profile reporting. This session will get right to the core of how to customize reporting to meet the needs of each level of management, executive leadership, and board reporting. We’ll dig into how risk categories can be effectively measured at each level and then how to roll this information into a report that demonstrates how the bank’s risk levels are aligned with the risk appetite statement.

Moderator/Speaker:

  • Bill Tucker, CERP, CRCM, CAFP, CIA, Head of Risk Governance, Citibank, N.A.

Speaker:

  • Krysti Cunningham, CRCM, CAMS, Senior Vice President, Chief Risk Officer, Security National Bank

Track: Risk

3F Strategies for Effective Capital Stress Testing
Repeated in 4F

Experts will provide an update on current thought regarding effective capital stress testing especially related to supervisory focus and risk considerations.

Moderator:

  • Hugh Carney, Senior Vice President, Prudential Regulation and Asset Management, American Bankers Association

Speaker:

  • Anthony Donatelli, Executive Vice President and Director of Strategic Planning, Capital Management and Stress Testing, New York Community Bancorp, Inc.
  • Todd Pleune, Managing Director, Protiviti

Track: Risk 

3G 1071: Part 1: Shifting Your Compliance Program for the New Rule
Repeated in 4G

Implementing the final rule for section 1071 is vast and complex and we’ve decided to go deep this year with two specific sessions devoted to 1071. Part 1 (this session) will cover specific changes you need to make to be in full compliance with the new rule. Part 2 (found in Series 5 and 6) will focus on preparing for the fair lending scrutiny that will come with the 1071 new data, including data surrounding special purpose credit programs for underserved small businesses.

Moderator/Speaker:

  • Kitty Ryan, Senior Vice President, Fair and Responsible Banking, American Bankers Association

Speakers:

  • Sharmane (Hines) Andrews, CRCM, Senior Vice President - Regulatory and Consumer Affairs, Simmons Bank
  • Jerod Moyer, CRCM, Consultant; Banker's Compliance Consulting

Track: Compliance

3H CFPB Guidance on Overdraft Fees
Repeated in 4H

The FDIC released its Financial Institution Letter on multiple NSF fees for represented transactions in August and that was followed by the CFPB circular on “authorize positive, settle negative” (APSN) overdraft fees in October. Many questions and concerns remain surrounding how to meet the regulatory expectations on APSN transactions, as well as representment [represented?] items. What does all this mean to banks and how does this impact upcoming examinations? This panel will focus on what is required, what is being scrutinized and what changes you should make to your compliance program and customer communications to meet regulatory obligations.

Moderator:

  • Thomas Williams, CRCM, CCBIA, ACT Specialist, Senior Compliance Manager / Senior Vice President, United Bank\

Speakers:

  • Aaron Rykowski, CRCM, Senior Vice President, Chief Compliance Officer, WesBanco Bank, Inc.
  • Jonathan Thessin, Vice President and Senior Counsel, Regulatory Compliance and Policy • Consumer and Regulatory Compliance, American Bankers Association

Track: Compliance

3I Managing Third and Fourth Party Risk
Repeated in 4I

From revised guidance coming out this spring to new concerns surrounding fourth party risk, this session will be a must-attend on your conference agenda.

Moderator/Speaker:

  • Krista Shonk, Vice President and Senior Counsel, Regulatory Compliance and Policy, Fair & Responsible Banking, American Bankers Association

Speakers:

  • Jill Czerwinski, CISSP, CISA, CIPP, PMP, Managing Principal, Third Party Risk, Crowe LLP
  • Heather Hendershott, CIA, Senior Director, Third Party Risk Management, Ally Bank

Track: Compliance

3J Increasing Oversight for CRE Credit Risk Monitoring
Repeated in 4J

This session will review how to change the lens focus on CRE monitoring and uncovering possible emerging and future credit risks in your CRE portfolio. As the FED continues to increase interest rates, banks must quickly adopt new non-traditional monitoring - to uncover emerging risks in different asset classes. Our panel of experts will review their latest approaches to monitoring CRE portfolio segments beyond stress testing for vacancy and increasing CAP rates in order reach out to borrowers long before the rate resets and facing a potential downgrade.

Moderator:

  • Sharon L Whitaker, Vice President, CRE and Mortgage Finance, American Bankers Association

Speakers:

  • Neena Miller, Senior Vice President, Chief Credit Officer, OceanFirst Bank N.A
  • Christopher S. Ziluca, Executive Vice President/Chief Credit Officer, Hancock Whitney Corp

2:45 PM – 3:00 PM

Break

3:00 PM – 3:45 PM

Concurrent Series 4

4A Strategic Risk: Can You Have It All?
Repeated from 3A

As you manage your strategic risk, there are many factors that come into play when you are embarking upon a major transformation. Whether you are onboarding new technology or process or engaging in new activities and products, you have to have a road map for balancing profitability, costs, efficiencies, and risk controls. This session will provide you with a roadmap in thinking through measuring the strategic risks of transformation.

Moderator/Speaker:

  • Stephanie Boryla, CERP, MBA, Senior Director, Enterprise Risk Management, Arvest Bank

Speakers:

  • Aimee Hamilton, Chief Risk Officer, First Bank
  • Candice Rickard, CPA, CFEl, Candice Rickard Consulting

Tracks: Compliance and Risk

4B Intersection of DEI and Fair Banking 
Repeated from 3B

As compliance and risk professionals, we have focused on assessing the success of our customer interactions and products through a fair banking lens. It’s time to up our game and take a more holistic approach to managing the risk of a wide range of concerns from CRA to Appraisal Bias to Fair Lending. This discussion will offer ideas on how you can set up a framework for measuring fair banking risk and compliance through the lens of DEI. We’ll talk about regulatory expectations on how DEI should be embedded in your programs, we’ll review revising your governance structure to include DEI officer input in external customer contact policies/procedures and we’ll talk through the practical positive outcomes that can result from embedding DEI into your overall risk management strategy.

Speakers: 

  • Stephanie Bowers, NDCCDP, CDP, Compliance Risk Manager Lead, USAA
  • Michelle “Chelly” Lynch-Miller, Manager, Bank Operations, USAA
  • Heather C. Schaefer CRCM, JD, Vice President, Chief Compliance Officer, First Financial Bank, NA 

Tracks: Compliance and Risk

4C Overview of Top Insurance Risks
Repeated from 3C

For the first time ever, directly from the ABA’s Insurance Risk Management Forum, you will hear the top insurance management risks and mitigation strategies. From flood to cyber to underwriting risks, we’ll give you a thorough overview of the insurance risk landscape and response strategies.

Moderator:

  • Joanne T. Campbell, CRCM, Executive Vice President, Enterprise Risk Management and Chief Risk Officer, Camden National Bank

Speakers:

  • Bruce Plummer, ARM, MBA, President, Northern Trust Services, Inc., Corporate and Trust Insurance, Northern Trust Corporation

  • Aaron M. Seiter, ARM, Senior Vice President, Corporate Insurance Executive and COO for Enterprise Data Management, The PNC Financial Services Group, Inc.

Tracks: Risk

4D Evolving Audit Governance
Repeated from 3D

The risk landscape is fast moving and becoming more complex. Although the third line’s fundamental responsibility of assurance hasn’t changed, how audit operates in this changing environment has to evolve. In this session, industry experts will discuss how your audit coverage model should be adapted based on changing business models and the improvements expected in second-line quality assurance and first-line quality control testing. We’ll also focus on audit design, dynamic risk assessment, plan adaptability and increased focus on opportunities to improve assurance for key risk areas.

Moderator:

  • Ann Marie Tarantino CRCM, CRP, AMLP, Senior Vice President, Chief Compliance Officer & Risk Officer, Esquire Bank

Speakers:

  • P. Jay Etra, CFCS, CFE, CIA, CRMA, Senior Vice President, Audit Director, Valley National Bank
  • Stephen King, Principal, Wolf and Company
  • Jennifer Lauver, Chief Audit Executive, Fulton Bank 

Tracks: Compliance and Risk

4E Aggregated and Integrated Risk Profile Reporting For More Effective and Efficient Board Oversight
Repeated from 3E

High functioning board oversight is reliant on the definition of a robust risk appetite statement, identification of relevant risk metric, and the development of effective and efficient risk profile reporting. This session will get right to the core of how to customize reporting to meet the needs of each level of management, executive leadership, and board reporting. We’ll dig into how risk categories can be effectively measured at each level and then how to roll this information into a report that demonstrates how the bank’s risk levels are aligned with the risk appetite statement.

Moderator/Speaker:

  • Bill Tucker, CERP, CRCM, CAFP, CIA, Head of Risk Governance, Citibank, N.A.

Speaker:

  • Krysti Cunningham, CRCM, CAMS, Senior Vice President, Chief Risk Officer, Security National Bank

Track: Risk

4F Strategies for Effective Capital Stress Testing

Repeated from 3F

Experts will provide an update on current thought regarding effective capital stress testing especially related to supervisory focus and risk considerations.

Moderator:

  • Hugh Carney, Senior Vice President, Prudential Regulation and Asset Management, American Bankers Association

Speaker:

  • Anthony Donatelli, Executive Vice President and Director of Strategic Planning, Capital Management and Stress Testing, New York Community Bancorp, Inc.
  • Todd Pleune, Managing Director, Protiviti

Track: Risk 

4G 1071: Part 1: Shifting Your Compliance Program for the New Rule
Repeated from 3G

Implementing the final rule for section 1071 is complex and we’ve decided to go deep this year with two specific sessions devoted to 1071. Part 1 (this session) will cover specific changes you need to make to be in full compliance with the new rule. Part 2 (found in Series 5 and 6) will focus on preparing for the fair lending scrutiny that will come with the 1071 new data, including data surrounding special purpose credit programs for underserved small businesses.

Moderator/Speaker:

  • Kitty Ryan, Senior Vice President, Fair and Responsible Banking, American Bankers Association

Speakers:

  • Sharmane (Hines) Andrews, CRCM, Senior Vice President - Regulatory and Consumer Affairs, Simmons Bank
  • Jerod Moyer, CRCM, Consultant; Banker's Compliance Consulting

Track: Compliance

4H CFPB Guidance on Overdraft Fees
Repeated from 3H

The FDIC released its Financial Institution Letter on multiple NSF fees for represented transactions in August and that was followed by the CFPB circular on “authorize positive, settle negative” (APSN) overdraft fees in October. Many questions and concerns remain surrounding how to meet the regulatory expectations on APSN transactions, as well as representment [represented?] items. What does all this mean to banks and how does this impact upcoming examinations? This panel will focus on what is required, what is being scrutinized and what changes you should make to your compliance program and customer communications to meet regulatory obligations.

Moderator:

  • Thomas Williams, CRCM, CCBIA, ACT Specialist, Senior Compliance Manager / Senior Vice President, United Bank\

Speakers:

  • Aaron Rykowski, CRCM, Senior Vice President, Chief Compliance Officer, WesBanco Bank, Inc.
  • Jonathan Thessin, Vice President and Senior Counsel, Regulatory Compliance and Policy • Consumer and Regulatory Compliance, American Bankers Association

Track: Compliance

4I Managing Third and Fourth Party Risk
Repeated from 3I

From revised guidance coming out this spring to new concerns surrounding fourth party risk, this session will be a must-attend on your conference agenda.

Moderator/Speaker:

  • Krista Shonk, Vice President and Senior Counsel, Regulatory Compliance and Policy, Fair & Responsible Banking, American Bankers Association

Speakers:

  • Jill Czerwinski, CISSP, CISA, CIPP, PMP, Managing Principal, Third Party Risk, Crowe LLP
  • Heather Hendershott, CIA, Senior Director, Third Party Risk Management, Ally Bank

Track: Compliance

4J Increasing Oversight for CRE Credit Risk Monitoring
Repeated in 3J

This session will review how to change the lens focus on CRE monitoring and uncovering possible emerging and future credit risks in your CRE portfolio. As the FED continues to increase interest rates, banks must quickly adopt new non-traditional monitoring - to uncover emerging risks in different asset classes. Our panel of experts will review their latest approaches to monitoring CRE portfolio segments beyond stress testing for vacancy and increasing CAP rates in order reach out to borrowers long before the rate resets and facing a potential downgrade.

Moderator:

  • Sharon L Whitaker, Vice President, CRE and Mortgage Finance, American Bankers Association

Speakers:

  • Neena Miller, Senior Vice President, Chief Credit Officer, OceanFirst Bank N.A
  • Christopher S. Ziluca, Executive Vice President/Chief Credit Officer, Hancock Whitney Corp

3:45 PM – 4:00 PM

Break

4:00 PM – 5:00 PM

General Session

Convergence: Risk and Compliance Working in Sync

We hear the words interdependence and convergence describing the interaction between risk and compliance, but what does that really mean? This panel, representing risk and compliance from a variety of asset sizes, will share success stories and strategies in collaboration especially working with business lines, managing operational risk, technology risk and more.

Moderator:

  • Ryan Rasske, Senior Vice President, Risk and Compliance Markets, Member Engagement Group; American Bankers Association

Speakers:

  • Jason E. Schugel, Chief Risk Officer, Ally Bank
  • Daniel D. Soto, CAMS, Chief Compliance Officer, Ally Financial
  • Bill Tucker, CERP, CRCM, CAFP, CIA, Head of Risk Governance, Citibank, N.A.

5:00 PM – 6:00 PM

Chips, Dips and Margarita Sips: Opening Reception in the Hub

Wed, Jun 14

7:30 AM – 5:30 PM

Registration Open

7:30 AM – 8:15 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.

PB 1: Time for a Tune-up of Your Fair and Responsible Banking Compliance Program
Sponsored by Asurity

Rev up your engines. It’s time for everyone to “look under the hood” and evaluate their fair and responsible compliance program. Join four nationally recognized fair lending experts as they reference recent experience across a range of consumer lending matters to explore how monitoring and testing for fairness and nondiscrimination are changing in algorithms, exceptions, servicing, and redlining.

Speakers:

  • Anurag Agarwal, President, RiskExec,
  • Grace Brasington, Senior Managing Director - Advisory Services, RiskExec,
  • Andrea Mitchell, Managing Partner, Mitchell Sandler LLC
  • Lynn Woosley, Managing Director, RiskExec

PB 2: Mitigating Risk with Machine Learning: The Expanding Role of Data in Regulatory Compliance
Sponsored by Encapture

Learn how banks are eliminating labor intensive processes around data scrubbing for HMDA, CRA, & DF 1071 and reducing risk by ensuring 100% loan review via automation.

Speaker:

  • Tyler Barron, Chief Revenue Officer, Encapture

PB 3: The Only Thing Constant is Change: Hot Topics Across Banking
Sponsored by Paul Hastings

The only thing constant is change.  Who thought that would apply to the banking industry?!  Yet it seems the banking regulators come out with some new twist, turn, or “fresh take” on banking laws and regulations on a regular basis these days.  It’s enough to make those responsible for compliance dizzy.  But we are here to help!  Grab your breakfast and join us for a discussion of hot off the press topics across banking and thoughts on how to stay ahead from a compliance perspective to help maintain your balance.  We will pull from the hot topics du jour, but likely topics include junk fees, deposit accounts, payments, fraud, appraisals, fair lending, data rights, and collections issues.

Speakers:

  • Kari Hall, Partner, Paul Hastings
  • Kristopher Knabe, Of Counsel, Paul Hastings

PB 4: Uncovering Hidden Gems: The Best Guidance for Navigating Risk and Compliance That You've Never Heard Of
Sponsored By: Wolters Kluwer

Don’t miss this session for practical tips on maturing traditional risk management and compliance programs using the hidden gems of the DOJ Federal Sentencing Guidelines for Organizations! Return to your office with a new perspective on risk and real-world ideas on ways to manage it. At the conclusion of our session, you will be provided with a 3LOD Worksheet from Wolters Kluwer, which has been updated to include consideration of the DOJ Guidelines, for self-assessing your CMS to help identify areas for improvement. 

Speakers:

  • Thomas W. Grundy, CRCM, Director, US Advisory Services, Regulatory Consulting, Wolters Kluwer
  • Elaine F Duffus, J.D., FLMI, CFCS, CSCP, Senior Specialized Consultant, Compliance Program Management, Wolters Kluwer
  • Seth Reimer, Specialized Consulting Manager, U.S. Advisory Services, Wolters Kluwer
  • Mark J Miller, CRCM, CERP, Director, Compliance Professional Services, Wolters Kluwer

8:00 AM – 8:30 AM

Coffee and Conversations in the Foyer

Join us for a light breakfast and conversation with your fellow attendees and sponsors.

8:30 AM – 10:00 AM

General Session

Managing Risks in Today’s Volatile Environment

Part 1: 
Economic Forecast for 2023 and Beyond

A popular feature of the former Risk Management Conference, FTN Financial’s Chief Economist will provide risk and compliance officers with a deeper understanding of how economic key risk indicators impact risk frameworks across the enterprise.

  • Featuring: Christopher Low, Chief Economist, First Horizon National Corp’s FTN Financial

Part 2: Gaps in Banks’ Risk and Control Frameworks: A Conversation

Former Comptroller of the Currency, Gene Ludwig will sit down with ABA’s Senior Vice President of Risk and Compliance, Ryan Rasske to discuss the biggest gaps he sees in banks' risk and control frameworks and practices, providing insights on how banks should position themselves and respond to today's challenging environment.

  • Featuring: Eugene Ludwig, Founder and CEO, Ludwig Advisors

10:00 AM – 10:45 AM

Coffee Break in The Hub

10:45 AM – 11:30 AM

Concurrent Series 5

5A Life in the Fast Lane: A Practical Guide to FinTech Due Diligence 
Repeated in 6A

It’s all digital all of the time and as banks are now beyond learning about the technology, there is increased focus on making strategic decisions about the product mix and delivery mix possibilities when entering these FinTech partnerships. Our job as risk and compliance professionals is to identify the risks to inform those strategic decisions and manage the risks that may arise throughout the lifecycle of the relationship. This session will explore the questions you should be asking during the due diligence process, how you share the risks vs. rewards conversations with business lines and how you can evolve your risk management program to adapt to the fast-paced partnerships.

Moderator:

  • Cara Williams, CERP, CRCM, CCEP-I, Principal, Risk and Compliance Practice, Spinnaker Consulting Group
Speakers:
  • Barbara Boccia, CRCM, MBA, JD, UDAAP Compliance Director, LendingClub
  • Chris Lucas, Chief Compliance Officer, MVB Bank

Tracks: Compliance and Risk

5B Compliance Management Governance for the Next Generation
Repeated in 6B

We’ve come a long way on CMS oversight and governance – but it’s time to do an assessment of where we are. How well are we keeping up with the changes? How are we ensuring the system is doing what we need it to do, especially as compliance and risk converge across the enterprise? Join us for a hearty discussion on the next generation of CMS oversight and governance.

Moderator/Speaker:

  • Tina M. Shaver, CRCM, CAMS, Executive Vice President, Chief Risk Officer, Premier Bank

Speakers:

  • Michael Berman, JD; Founder and Chief Executive Officer, Ncontracts
  • Charles P. Corbezzolo, CRCM, CIPP, Senior Vice President, Business Management and Governance, TD Bank
  • Thomas Williams, CRCM, CCBIA, ACT Specialist, Senior Compliance Manager, Senior Vice President, United Bank

Tracks: Compliance and Risk

5C A Case Study in Cross-Functional Collaboration: Enterprise Privacy Program 
Repeated in 6C

This breakout session will focus on an approach adopted by many banks seeking to establish operations in emerging areas that lack clear regulatory or legal boundaries: the cross-functional working group. This model brings together individuals from different roles (such as legal, compliance, risk, and business units) and relies on relationships and consensus building. Everyone will have a part to play in helping the organization achieve a compliance stance commensurate with its risk appetite. The session will examine the phenomenon, which is common to many innovative initiatives, in a particular setting: the establishment and maturation of an enterprise privacy program, which requires examination and update of policies, procedures, practices, and so on.

Speakers: 

  • Colleen A. Bready, CRCM, CIPM (IAPP), Senior Vice President, Privacy Officer and Senior Compliance Manager, M&T Bank
  • Ryan T. Miller, Vice President, Innovation Public Policy, American Bankers Association

Tracks: Compliance and Risk

5D Mitigating Flood Compliance Risks
Repeated in 6D

This is ABA’s annual update and overview of the ever-challenging flood compliance and risk space. With climate risk as a growing concern, scrutiny of flood-related risks remains high on regulators’ radars. Expect a thorough review of the current flood compliance risks and actionable mitigation strategies from the nation’s top experts.

Moderator:

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

Speakers:

  • Donald J. Brown, CRP, CICA, President, NavigatorConsulting, LLC
  • David Dickinson, President, Banker's Compliance Consulting

Tracks: Compliance and Risk

5E Mortgage Origination Emerging Risks
Repeated in 6E

Experts will discuss where mortgage origination risks are now and provide thoughts on how we plan for mortgage origination risks down the road? This session will walk through issues in refinancing, product shifts, marketing focus shifts and more.

Speakers: 

  • Rod Alba, Senior Vice President, Real Estate Finance, Mortgage, American Bankers Association
  • Elizabeth (Betsy) Fredrickson, CRCM, Compliance Director, Wells Fargo Bank NA
  • Diane Slack, Senior Vice President, Chief Compliance Officer, Sandy Spring Bank
  • R. Colgate Selden, Partner, Blank Rome

Tracks: Compliance and Risk

5F Impact of Rising Interest Rates on Credit and Liquidity 
Repeated in 6F

From underwriting stresses to re-pricing risks – we will cover the full range of impacts of rising interest rates on credit and liquidity. Strategic thought leadership would be shared as to capital and liquidity deployment for credit purposes in 2023 and beyond. 

Moderator:

  • Tiffany P. Temple, Senior Vice President, Director, Credit Risk Management, Hancock Whitney Bank

Speakers:

  • Giulio Camerini, CRC | Principal, Crowe LLP
  • Howard Kasanoff, Group Executive Vice President, Chief Credit Officer, Frost – Banking, Investments, Insurance

Tracks: Compliance and Risk

5G Mitigating Deposit Risks in 2023 and Beyond
Repeated in 6G

In a completely new risk environment, there is no history for managing deposit risks but this session will provide some illumination surrounding deposit risks. We’ll talk through the competition for deposits, especially from FinTechs and their related risks.

Moderator:

  • Robert Strand, PhD, Vice President and Senior Economist, Economic Policy and Research, American Bankers Association

Speakers:

  • Barry A. Barretta, Managing Director, Liquidity and Treasury Services, Financial Services Risk Management, Ernst & Young LLP
  • Charles Jeffrey Beard, Lead Manager, Business Risk and Controls (Consumer Bank), KeyBank
  • Jeffrey Croteau, Senior Consultant, Darling Consulting

Track: Risk

5H Model Governance: It’s Time to Formalize the Program
Single Session for Community Banks
Session 6H will focus on banks with a program but wish to benchmark against current practices.

Model risk management is not a new concept. Deposit modeling, BSA and OFAC systems, ALM, CECL – the list keeps growing. As the ‘model universe’ expands, many community banks are now formalizing their processes. Join this interactive discussion as we talk through some leading practices to stand up a model governance program. Primarily targeting community banks, this session is open to all who are starting the process. You will walk away with some creative methods for obtaining model owner buy-in and cooperation – overcoming “fear of models”.

Moderator/Speaker:

  • Ann Marie Tarantino CRCM, CRP, AMLP, Senior Vice President, Chief Compliance Officer & Risk Officer, Esquire Bank

Speakers:

  • Maria E. Mayshura, Executive Vice President, Chief Risk Officer, First Bank
  • Salvatore (Sal) Zerilli, CPA, CAMS, Managing Director and Chair, Mercadien’s Financial Institutions Services Group, The Mercadien Group

Tracks: Compliance and Risk

5I 1071: Part 2: Preparing Your Data For Fair Lending Scrutiny
Repeated in 6I

This session follows up on the previous session regarding 1071 compliance program changes focusing exclusively on preparing your data for new fair lending scrutiny, including data surrounding special purpose credit programs for underserved small businesses. To have the full picture, we recommend you first attend the Part 1 session in series 3 and 4 prior to this session.

Moderator/Speaker: 

  • Kitty Ryan, Senior Vice President, Fair and Responsible Banking, American Bankers Association

Speakers:

  • Anurag Agarwal, President, Asurity
  • Patti Joyner, President and Founder, Financial Solutions for Growing Companies, Inc.

Track: Compliance

5J Benchmark Your Social Media Program for Compliance Risks
Repeated in 6J

While evolution in social media has slowed and our policies and procedures seem to be working, are you certain you social media compliance risk programs are up to date? Have you evaluated the risks based on your specific customer acquisition strategy and product offerings? From your oversight process to reporting to monitoring and controls surrounding third parties, HR policies and training – this fast-paced session will deliver a checklist of current expectations and recommendations for program changes. This is a senior manager’s overview of what to review when evaluating program performance.

Moderator:

  • Jim Bedsole, Senior Vice President, Chief Compliance and Risk Officer, BankSouth

Speakers:

  • Renee Huffaker, CPA, CRCM, Chief Compliance Officer; Arvest Bank
  • Shelly Loftin, CFMP, Senior Director, Marketing Strategy and Sales Enablement, Arvest Bank

Track: Compliance

11:30 AM – 1:15 PM

Seated Luncheon with Speaker

Dancing in the Hurricane- Well-Being in Times of Chaos and Stress

This luncheon address is designed specifically for Compliance and Risk Professionals delivered by a top risk and compliance professional! It’s no longer enough to be the smartest or most skilled professional in the room. We are in the Age of Stress and Outrage. Composure is contagious and can make the difference between you being perceived as average or being considered an exceptional and welcomed leader and influencer. So…If you’re overtaxed, overworked, stressed out and on the path to being a burned out professional, you have a problem. Everyone knows that our chosen profession is full of stressors, particularly in light of the serial black swan events that we seem to keep facing, but keeping your cool and finding your calm is what differentiates outcomes for the long term. The good news is you can be both a fantastic professional and find your center in work and in life! In this practical session, you will learn about the latest research into our profession and hear simple but effective life hacks for managing burnout and crises. You will understand the impact of practices that have helped transform many individuals and helped teams chart a resilient path toward sustainable personal and professional fulfillment. Lisa Beth Lentini Walker a National Board Certified Health and Wellness Coach is also an adjunct professor of law in the United States and Europe. She is a skilled business partner who has led legal and compliance departments within large public corporations and privately held firms. She has held held corporate secretarial, legal, compliance, ethics, governance, and risk positions as an attorney at a Fortune 50 corporation 

1:15 PM – 1:30 PM

Break

1:30 PM – 2:15 PM

Concurrent Series 6

6A Life in the Fast Lane: A Practical Guide to FinTech Due Diligence 
Repeated in 5A

It’s all digital all of the time and banks are beyond learning about the technology and are making strategic decisions about the product mix and delivery mix. Our job as risk and compliance professionals is to manage the risks. This session will explore the questions you should be asking during the due diligence process, how you share the risks vs. rewards conversations with business lines and how you manage your risk management program to adapt to the fast-paced partnerships.

Moderator:

  • Cara Williams, CERP, CRCM, CCEP-I, Principal, Risk and Compliance Practice, Spinnaker Consulting Group

Speakers:

  • Barbara Boccia, CRCM, MBA, JD, UDAAP Compliance Director, LendingClub
  • Chris Lucas, Chief Compliance Officer, MVB Bank

Tracks: Compliance and Risk

6B Compliance Management Governance for the Next Generation
Repeated in 5B

We’ve come a long way on CMS oversight and governance – but it’s time to do an assessment of where we are. How well are we keeping up with the changes? How are we ensuring the system is doing what we need it to do, especially as compliance and risk converge across the enterprise? Join us for a hearty discussion on the next generation of CMS oversight and governance.

Moderator/Speaker:

  • Tina M. Shaver, CRCM, CAMS, Executive Vice President, Chief Risk Officer, Premier Bank

Speakers:

  • Michael Berman, JD; Founder and Chief Executive Officer, Ncontracts
  • Charles P. Corbezzolo, CRCM, CIPP, Senior Vice President, Business Management and Governance, TD Bank
  • Thomas Williams, CRCM, CCBIA, ACT Specialist, Senior Compliance Manager, Senior Vice President, United Bank

Tracks: Compliance and Risk

6C A Case Study in Cross-Functional Collaboration: Enterprise Privacy Program
Repeated in 5C

This breakout session will focus on an approach adopted by many banks seeking to establish operations in emerging areas that lack clear regulatory or legal boundaries: the cross-functional working group. This model brings together individuals from different roles (such as legal, compliance, risk, and business units) and relies on relationships and consensus building. Everyone will have a part to play in helping the organization achieve a compliance stance commensurate with its risk appetite. The session will examine the phenomenon, which is common to many innovative initiatives, in a particular setting: the establishment and maturation of an enterprise privacy program, which requires examination and update of policies, procedures, practices, and so on.

Speakers: 

  • Colleen A. Bready, CRCM, CIPM (IAPP), Senior Vice President, Privacy Officer and Senior Compliance Manager, M&T Bank
  • Ryan T. Miller, Vice President, Innovation Public Policy, American Bankers Association

Tracks: Compliance and Risk

6D Mitigating Flood Compliance Risks
Repeated in 5D

This is ABA’s annual update and overview of the ever-challenging flood compliance and risk space. With climate risk as a growing concern, scrutiny of flood-related risks remains high on regulators’ radars. Expect a thorough review of the current flood compliance risks and actionable mitigation strategies from the nation’s top experts.

Moderator:

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

Speakers:

  • Donald J. Brown, CRP, CICA, President, NavigatorConsulting, LLC
  • David Dickinson, President, Banker's Compliance Consulting

Tracks: Compliance and Risk

6E Mortgage Origination Emerging Risks
Repeated in 5E

Experts will discuss where mortgage origination risks are now and provide thoughts on how we plan for mortgage origination risks down the road? This session will walk through issues in refinancing, product shifts, marketing focus shifts and more.

Speakers: 

  • Rod Alba, Senior Vice President, Real Estate Finance, Mortgage, American Bankers Association
  • Elizabeth (Betsy) Fredrickson, CRCM, Compliance Director, Wells Fargo Bank NA
  • Diane Slack, Senior Vice President, Chief Compliance Officer, Sandy Spring Bank
  • R. Colgate Selden, Partner, Blank Rome

Tracks: Compliance and Risk

6F Impact of Rising Interest Rates on Credit and Liquidity 
Repeated in 5F

From underwriting stresses to re-pricing risks – we will cover the full range of impacts of rising interest rates on credit and liquidity. Strategic thought leadership would be shared as to capital and liquidity deployment for credit purposes in 2023 and beyond. 

Moderator:

  • Tiffany P. Temple, Senior Vice President, Director, Credit Risk Management, Hancock Whitney Bank

Speakers:

  • Giulio Camerini, CRC | Principal, Crowe LLP
  • Howard Kasanoff, Group Executive Vice President, Chief Credit Officer, Frost – Banking, Investments, Insurance

Tracks: Compliance and Risk

6G Mitigating Deposit Risks in 2023 and Beyond
Repeated in 5G

In a completely new risk environment, there is no history for managing deposit risks but this session will provide some illumination surrounding deposit risks. We’ll talk through the competition for deposits, especially from FinTechs and their related risks.

Moderator:

  • Robert Strand, PhD, Vice President and Senior Economist, Economic Policy and Research, American Bankers Association

Speakers:

  • Barry A. Barretta, Managing Director, Liquidity and Treasury Services, Financial Services Risk Management, Ernst & Young LLP
  • Charles Jeffrey Beard, Lead Manager, Business Risk and Controls (Consumer Bank), KeyBank
  • Jeffrey Croteau, Senior Consultant, Darling Consulting

Track: Risk

6H Model Governance: Managing the Chaos
Single Session for banks who are updating their current program and larger banks
Session 5H is designed for community banks and/or banks who do not have a formal model risk program

Deposit modeling, BSA and OFAC systems, ALM, CECL – the list keeps growing. As the ‘model universe’ expands, it’s time to revisit your established program to explore efficiencies and enhancements. Join this interactive discussion as we talk through some leading practices to update a model governance program. You will walk away with some creative methods for obtaining model owner buy-in and cooperation – overcoming “fear of models”.

Moderator/Speaker:

  • Ann Marie Tarantino CRCM, CRP, AMLP, Senior Vice President, Chief Compliance Officer & Risk Officer, Esquire Bank

Speakers:

  • Michael R. Guglielmo, Managing Director, Darling Consulting Group
  • Amy Polasek, Model Risk Manager/Vice President, Prosperity Bank
  • Chris Smigielski, Model Risk Director, Arvest Bank

Tracks: Compliance and Risk

6I 1071: Part 2: Preparing Your Data For Fair Lending Scrutiny
Repeated in 5I

This session follows up on the previous session regarding 1071 compliance program changes focusing exclusively on preparing your data for new fair lending scrutiny, including data surrounding special purpose credit programs for underserved small businesses. To have the full picture, we recommend you first attend the Part 1 session in series 3 and 4 prior to this session.

Moderator/Speaker: 

  • Kitty Ryan, Senior Vice President, Fair and Responsible Banking, American Bankers Association

Speakers:

  • Anurag Agarwal, President, Asurity
  • Patti Joyner, President and Founder, Financial Solutions for Growing Companies, Inc.

Track: Compliance

6J Benchmark Your Social Media Program for Compliance Risks
Repeated in 5J

While evolution in social media has slowed and our policies and procedures seem to be working, are you certain you social media compliance risk programs are up to date? Have you evaluated the risks based on your specific customer acquisition strategy and product offerings? From your oversight process to reporting to monitoring and controls surrounding third parties, HR policies and training – this fast-paced session will deliver a checklist of current expectations and recommendations for program changes. This is a senior manager’s overview of what to review when evaluating program performance.

Moderator:

  • Jim Bedsole, Senior Vice President, Chief Compliance and Risk Officer, BankSouth

Speakers:

  • Renee Huffaker, CPA, CRCM, Chief Compliance Officer; Arvest Bank
  • Shelly Loftin, CFMP, Senior Director, Marketing Strategy and Sales Enablement, Arvest Bank

Track: Compliance

2:15 PM – 3:00 PM

Dessert Break in The Hub

3:00 PM – 3:45 PM

Concurrent Series 7

7A Breaking Down Silos Across The Enterprise: Exploring the Possibilities of a High-Functioning Risk Management Framework
Repeated in 8A

Fruit basket or apple orchard? Does your risk reporting look like a Thanksgiving cornucopia centerpiece or a beautifully cultivated apple orchard? In this session, we will discuss proven tactics for breaking down silos not just horizontally across risk programs, but also vertically between the lines of defense. We will cover best practices for creating horizontal frameworks that address and can be applied to all your bank’s risk programs. We will explore key elements of a Risk Management Framework to foster a consistent and holistic view of risk across the enterprise – ensuring everyone is speaking the same language and comparing apples to apples.

Moderator/Speaker:

  • Cara Williams, CERP, CRCM, CCEP-I, Principal, Risk and Compliance Practice, Spinnaker Consulting Group

Speakers:

  • Mary Clouthier, Executive Vice President, Chief Risk Officer, Cornerstone Capital Bank
  • Sherry Williams, DBA, CPA, Chief Risk Officer, Atlantic Union Bank

Tracks: Compliance and Risk

7B Debt Collection and Recovery: A New Strategy
Repeated in 8B

Is your collections and recovery strategy ready for a recession? While many lenders have been able to keep debt collection in-house during the pandemic, delinquencies are going back to pre-pandemic levels while the third-party landscape has changed dramatically after Regulation F. Collecting on past due accounts is much different now than it was during the last economic downturn. Banks may need to rethink their overall strategy on defaulted accounts, and better understand how to use collection agencies and law firms strategically along with other recovery options to manage reputational and regulatory risk.

Moderator/Speaker: 

  • Teshale Smith, Counsel, Consumer Regulations and Compliance Solutions, American Bankers Association

Speakers:

  • Jan Stieger, CMP, CAE, CRCP, Executive Director, Receivables Management Association International
  • Heidi L. Wisner Staloch, Vice President, Assistant General Counsel, U.S. Bank

Tracks: Compliance and Risk

7C Reconsideration of Value: Appraisal Process and Appraisal Bias
Repeated in 8C

There have been key regulatory changes from the OCC, CFPB and DOJ. This session will review these new changes and offer ideas on detective and preventive controls to reduce appraisal bias risk including providing key risk metrics to monitor appraisal bias risk.

Moderator/Speaker: 

  • Sharon Whitaker, Vice President, CRE & Mortgage Finance, American Bankers Association

Speaker:

  • Yana Karnaukhov, Compliance Center Director, Office of Fair Housing and Equal Opportunity, U.S. Dept. of Housing and Urban Development
  • Carl Pry, Senior Advisor, Treliant, LLC

Tracks: Compliance and Risk

7D Cloud Vendor Management
Repeated in 8D

From onboarding to monitoring, some of the same vendor risk management program elements applies. However, managing cloud vendor relationships have their own unique challenges. This session will walk through key risk concerns in cloud vendor management and what steps you need to take to shore up your program, especially as technology continues to change. 

Moderator:

  • John W. Carlson, Vice President, Cybersecurity Regulation and Resilience, American Bankers Association

Speakers:

  • David Ackley, Senior Vice President, Director of Information Security and Enterprise Risk Management, Camden National Bank
  • Mike Ambrosius, Vice President, Chief Technology Risk Officer, Cenlar FSB

Tracks: Compliance and Risk

7E Use of Algorithms in Fair Lending
Repeated in 8E

We saw from last year’s settlement in the Meta case on algorithms, that as machine learning and AI continues to evolve, the intersection between information security and consumer protection and fair lending will continue to also evolve. We’ll take a look at what the Meta case means for banks as they continue to look for new ways to promote and sell bank innovative bank products and services.

Moderator/Speaker:

  • Maureen Carollo, CRCM, CAMS, Chief Compliance Officer and Chief Risk Officer, Senior Vice President, Old Glory Bank

Speakers:

  • David Skanderson, Vice President, Financial Economics, Charles River Associates
  • Chris Willis, Partner, Troutman Pepper

Tracks: Compliance and Risk

7F Check Fraud: What is Old is New Again
Repeated in 8F

The Financial Crime Enforcement Network reports that in 2021, financial institutions filed more than 350,000 Suspicious Activity Reports of potential check fraud, a 23 percent increase over 2020. This upward trend continued into 2022, when the number of SARs related to check fraud reached over 680,000, nearly double the previous year’s filings. Our experts will share the latest typologies and trends and provide ideas on mitigating the risks.

Moderator:

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

Speaker:

  • Brendan Donahue, Assistant Inspector in Charge, Mail Theft & Child Exploitation, USPIS HQ Criminal Investigations Group, United States Postal Service
  • James “Jim” Hitchcock, Vice President, Fraud Mitigation/Security, American Bankers Association

Tracks: Compliance and Risk

7G Let’s Concentrate on Concentration Risk
Repeated in 8G

In an ever evolving world, risk are interconnected as banks become more sophisticated and dependent on diverse resources to balance the overall needs to support loan growth, deposit flows and investment fluctuations. If concentration risk exists in one or all of these balance sheet items without proper mitigants, the consequences can be detrimental. Add to the mix, extreme shifts in the interest rate environment having significant impact to your balance sheets in this economic cycle. Managing and monitoring concentration risk effectively can position your Bank to come through this storm well positioned. Our panel will discuss how concentration risk in these areas are connected and impacts that it can have, provide real examples of how concentration risk can adversely impact banks and share ways to more effectively manage and monitor concentration risk.

Moderator:

  • Tiffany P. Temple, Senior Vice President, Director, Credit Risk Management, Hancock Whitney Bank

Speakers:

  • John P. Bonora, CRCM. Executive Vice President, Chief Financial Officer, Chief Risk Officer and Treasurer, First County Bank
  • Joanne T. Campbell, CRCM, Executive Vice President, Enterprise Risk Management and Chief Risk Officer, Camden National Bank
  • Dane Smith, Senior Vice President, Corporate Treasurer, First Horizon Bank

Track: Risk

7H Managing the Risks and Rewards of a Hybrid Workplace
Repeated in 8H

Today’s workforce is in the midst of a dynamic change and the challenges associated with these changes are ones every manager must work through based on their own organizational goals and objectives. Risk and Compliance has the added burden of layering in protective policies and procedures to accommodate remote work along with how to manage employees from a wide range of geographic locations. This session will tackle not just the universal remote work challenges, but focus specifically on risk and compliance concerns.

Speakers:

  • Christopher T. Spellman, CRCM, Senior Vice President, and Corporate Compliance Director, Heartland Financial USA, Inc.
  • Lynn A. Tarantino, CRCM, CAMS, Senior Vice President, Chief Control Officer, Cenlar FSB
  • Shannon Thomason, CRCM, CERP, Senior Vice President, Chief Compliance Officer, Central Bank

Track: Risk

7I Buy Now Pay Later: Risks and Rewards
Repeated in 8I

It’s your layaway installment program resurrected all over again. Or is it really? Buy Now Pay Later (BNPL) loans have exploded in recent years in the consumer market as free and easy to use credit. But with all the convenience, what are the true risks and opportunities for banks and others to get their piece of the pie? Recent CFPB reports and insights open a path for expansion with important cautions. This session will discuss the pros and cons of entering the BNPL market and ways to mitigate compliance risks.

Moderator:

  • Tanweer S. Ansari, Esq., Executive Vice President- Internal Counsel and Chief Compliance Officer, First National Bank Long Island

Speakers:

  • Nessa Feddis, Senior Vice President and Senior Counsel, Regulatory Compliance and Policy, American Bankers Association, [email protected]
  • Michael R. Guerrero, Partner, Ballard Spahr LLP 
  • Scott D. Samlin, Partner, Blank Rome

Track: Compliance

7J Next Level UDAAP: Beyond Lending
Repeated in 8H

UDAAP has been explored and examined many different ways over the years but this is the first time we are focused exclusively on concerns surrounding the use of the ‘unfairness’ test on non-credit products based on the CFPB examination manual updates. We’ll look at the overall impact changes on deposit products especially in terms of privacy, Reg E and information security. We’ll also cover any potential or needed changes you need to make on your overall compliance management program, especially in terms of risk assessment, controls and testing protocols.

Moderator/Speaker:

  • Heather Schaefer, Vice President, Chief Compliance Officer, First Financial Bank NA

Speakers:

  • Brian Johnson, Managing Director, Banking Supervision and Regulation Group, Patomak Global Partners
  • Aaron Rykowski, CRCM, Senior Vice President, Chief Compliance Officer, WesBanco Bank, Inc.

Track: Compliance

3:45 PM – 4:00 PM

Break

4:00 PM – 5:00 PM

General Session

Keynote Address: Strengthening Your Risk Culture in Volatile Times
Featuring: Clifford Rossi, PhD, Professor of the Practice, Executive-in-Residence, Robert H. Smith School of Business, University of Maryland

Dr. Clifford Rossi is an Executive-in-Residence and Professor of the Practice at the Robert H. Smith School of Business, University of Maryland. Prior to entering academia, Rossi had nearly 25 years of experience in banking and government, having held senior executive roles in risk management at several of the largest financial services companies, most recently as Managing Director and Chief Risk Officer for Citigroup’s Consumer Lending Group. Dr. Rossi is frequently quoted in the national press on bank risk and financial policy issues. He joins us to share his thoughts on building and sustaining an effective risk culture and how enterprise-wide collaboration is an essential piece of an effective risk culture.

5:00 PM – 6:00 PM

Conference Reception In “The Grotto” (Convention Center)

Tonight, our reception will be outside of the “Hub” in the unique convention center “The Grotto.” Join us for a Texas-Style reception for a great ending to a fantastic day!

Sponsored by ABA Endorsed Solutions

6:00 PM – 7:00 PM

ABA Certifications Reception
By Invitation Only

Thurs, Jun 15

7:30 AM – 5:30 PM

Registration Open

7:30 AM – 8:15 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.

PS 1: Human Trafficking: Closer to Home than You Think
Sponsored by Abrigo

Human trafficking continues to be one of the fastest growing criminal activities in the world and is now one of FinCEN's National Priorities. This session will discuss from a law enforcement perspective what financial institutions and AML professionals can do to help identify, flag, and prevent human trafficking within our own communities.

Speakers:

  • Terri Luttrell, CAMS-Audit, ACFCS, Abrigo
  • Ali Muhiuddin, Special Agent with Homeland Security Investigations

PS 2: Finding and Mitigating Crypto Risk in Banks
Sponsored by Ciphertrace

Despite the crypto winter of 2022, cryptocurrency isn’t going anywhere. In the wake of a new banking crisis, bitcoin has experienced a 43% surge in value. Join us for an in-depth conversation around how to identify and mitigate crypto and crypto-related risk, enabling you to facilitate legitimate activity and ensure trust in this growing ecosystem.

Speaker:

  • Pamela Clegg, Vice President of Crypto Investigations and Risk, Ciphertrace

PS 3: 1071 Beyond the Rule - A Deeper Focus on Policy, Procedures, and Technology Considerations
Sponsored by Finastra

You’ve learned the basics of the final 1071 small business lending rule, now it’s time to focus on the policy and procedure changes that you’ll need to make to tackle it, along with the technology that will help you achieve compliance.

Speakers:

  • Chris Dye, Director, Lending Platform, Finastra
  • Geoff Schroder, Compliance Counsel Principal, Finastra

PS 4: 1071 & Managing Regulatory Change: Strategies for Implementation
Sponsored by Ncontracts

Join Ncontracts for a panel discussion on managing regulatory change using 1071 as a case study. Gain expert insights into how to create a change management playbook and best practices for creating a repeatable, step-by-step process that can be applied to any regulatory change.

You’ll learn how to anticipate compliance staffing needs; identify regulatory changes that apply to your institution; drafting implementation plans, including updating policies and procedures; and follow up to ensure effective implementation.

Speakers:
  • Michael Berman, Founder & CEO, Ncontracts
  • Rafael E. DeLeon, Senior Vice President, Industry Engagement, Ncontracts
  • Stephanie Lyon, Esq., CRCM, NCCO, NCRM, NCBSO, CAMS, Vice President, Compliance and Regulatory Content Strategy, Ncontracts
  • Monica Bolin, CERP, Risk Management Expert, Ncontracts

8:00 AM – 8:30 AM

Coffee and Conversations in the Foyer

Join us for a light breakfast and conversation with your fellow attendees and sponsors.

8:30 AM – 10:00 AM

General Session

Part 1: Lessons Learned from Recent Bank Failures: A Fireside Chat

Speakers:

  • Bobby Bean, Managing Director, Financial Services Advisory Group, Forvis
  • Hugh Carney, Senior Vice President, Prudential Regulation and Asset Management, American Bankers Association

Part 2: Lessons Learned from Apollo to Discovery 

One of America’s most admired women, Colonel Eileen Collins became the first female to pilot a U.S. spacecraft with the Discovery shuttle flight in 1995, and the first female commander on the 1999 Columbia shuttle flight. In 2005, NASA tapped Colonel Collins to command the space shuttle Discovery’s historic “Return to Flight” mission, NASA’s first manned flight following the loss of space shuttle Columbia in 2003.

While logging 872 hours in space, Colonel Collins earned a reputation for coolness under pressure. Drawing from career experiences, Colonel Collins will reveal valuable insights learned from both her successes and her failures in managing the risks of space travel. From the importance of working with others to achieve lofty goals, to successful leadership in dynamic environments, her perspective will inspire you to consider how you can manage risks in our ever-changing environment.

Speaker:

  • Colonel Eileen Collins, First Female Space Shuttle Pilot, First Woman Mission Commander in NASA History

10:00 AM – 10:45 AM

Coffee Break in The Hub

10:45 AM – 11:30 AM

Concurrent Series 8

8A Breaking Down Silos Across The Enterprise: The Impact of a High Functioning Risk Management Framework
Repeated in 7A

Fruit basket or apple orchard? Does your risk reporting look like a Thanksgiving cornucopia centerpiece or a beautifully cultivated apple orchard? In this session, we will discuss proven tactics for breaking down silos not just horizontally across risk programs, but also vertically between the lines of defense. We will cover best practices for creating horizontal frameworks that address and can be applied to all your bank’s risk programs. We will explore key elements of a Risk Management Framework to foster a consistent and holistic view of risk across the enterprise – ensuring everyone is speaking the same language and comparing apples to apples.

Moderator/Speaker:

  • Cara Williams, CERP, CRCM, CCEP-I, Principal, Risk and Compliance Practice, Spinnaker Consulting Group

Speakers:

  • Mary Clouthier, Executive Vice President, Chief Risk Officer, Cornerstone Capital Bank
  • Sherry Williams, DBA, CPA, Chief Risk Officer, Atlantic Union Bank

Tracks: Compliance and Risk

8B Debt Collection and Recovery: A New Strategy
Repeated in 7B

Is your collections and recovery strategy ready for a recession? While many lenders have been able to keep debt collection in-house during the pandemic, delinquencies are going back to pre-pandemic levels while the third-party landscape has changed dramatically after Regulation F. Collecting on past due accounts is much different now than it was during the last economic downturn. Banks may need to rethink their overall strategy on defaulted accounts, and better understand how to use collection agencies and law firms strategically along with other recovery options to manage reputational and regulatory risk.

Moderator/Speaker: 

  • Teshale Smith, Counsel, Consumer Regulations and Compliance Solutions, American Bankers Association

Speakers:

  • Jan Stieger, CMP, CAE, CRCP, Executive Director, Receivables Management Association International
  • Heidi L. Wisner Staloch, Vice President, Assistant General Counsel, U.S. Bank

Tracks: Compliance and Risk

8C Reconsideration of Value: Appraisal Process and Appraisal Bias
Repeated in 7C

Moderator/Speaker: 

  • Sharon Whitaker, Vice President, CRE & Mortgage Finance, American Bankers Association

Speakers:

  • Yana Karnaukhov, Compliance Center Director, Office of Fair Housing and Equal Opportunity, U.S. Dept. of Housing and Urban Development
  • Carl Pry, Senior Advisor, Treliant, LLC

Tracks: Compliance and Risk

8D Cloud Vendor Management 
Repeated in 7D

From onboarding to monitoring, some of the same vendor risk management program elements applies. However, managing cloud vendor relationships have their own unique challenges. This session will walk through key risk concerns in cloud vendor management and what steps you need to take to shore up your program, especially as technology continues to change. 

Moderator:

  • John W. Carlson, Vice President, Cybersecurity Regulation and Resilience, American Bankers Association

Speakers:

  • David Ackley, Senior Vice President, Director of Information Security and Enterprise Risk Management, Camden National Bank
  • Mike Ambrosius, Vice President, Chief Technology Risk Officer, Cenlar FSB

Tracks: Compliance and Risk

8E Use of Algorithms in Fair Lending
Repeated in 7E

We saw from last year’s settlement in the Meta case on algorithms, that as machine learning and AI continues to evolve, the intersection between information security and consumer protection and fair lending will continue to also evolve. We’ll take a look at what the Meta case means for banks as they continue to look for new ways to promote and sell bank innovative bank products and services.

Moderator/Speaker:

  • Maureen Carollo, CRCM, CAMS, Chief Compliance Officer and Chief Risk Officer, Senior Vice President, Old Glory Bank

Speakers:

  • David Skanderson, Vice President, Financial Economics, Charles River Associates
  • Chris Willis, Partner, Troutman Pepper

Tracks: Compliance and Risk

8F Check Fraud: What is Old is New Again
Repeated in 7F

The Financial Crime Enforcement Network reports that in 2021, financial institutions filed more than 350,000 Suspicious Activity Reports of potential check fraud, a 23 percent increase over 2020. This upward trend continued into 2022, when the number of SARs related to check fraud reached over 680,000, nearly double the previous year’s filings. Our experts will share the latest typologies and trends and provide ideas on mitigating the risks.

Moderator:

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

Speaker:

  • Brendan Donahue, Assistant Inspector in Charge, Mail Theft & Child Exploitation, USPIS HQ Criminal Investigations Group, United States Postal Service
  • James “Jim” Hitchcock, Vice President, Fraud Mitigation/Security, American Bankers Association

Track: Risk

8G Let’s Concentrate on Concentration Risk
Repeated in 7G

In an ever evolving world, risk are interconnected as banks become more sophisticated and dependent on diverse resources to balance the overall needs to support loan growth, deposit flows and investment fluctuations. If concentration risk exists in one or all of these balance sheet items without proper mitigants, the consequences can be detrimental. Add to the mix, extreme shifts in the interest rate environment having significant impact to your balance sheets in this economic cycle. Managing and monitoring concentration risk effectively can position your Bank to come through this storm well positioned. Our panel will discuss how concentration risk in these areas are connected and impacts that it can have, provide real examples of how concentration risk can adversely impact banks and share ways to more effectively manage and monitor concentration risk.

Moderator/Speaker: 

  • Tiffany P. Temple, Senior Vice President, Director, Credit Risk Management, Hancock Whitney Bank

Speakers:

  • John P. Bonora, CRCM. Executive Vice President, Chief Financial Officer, Chief Risk Officer, & Treasurer, First County Bank
  • Joanne T. Campbell, CRCM, Executive Vice President, Enterprise Risk Management and Chief Risk Officer, Camden National Bank
  • Dane Smith, Senior Vice President, Corporate Treasurer, First Horizon Bank

Track: Risk

8H Managing the Risks and Rewards of a Hybrid Workplace
Repeated in 7H

Today’s workforce is in the midst of a dynamic change and the challenges associated with these changes are ones every manager must work through based on their own organizational goals and objectives. Risk and Compliance has the added burden of layering in protective policies and procedures to accommodate remote work along with how to manage employees from a wide range of geographic locations. This session will tackle not just the universal remote work challenges, but focus specifically on risk and compliance concerns. 

Moderator:

  • Christopher T. Spellman, CRCM, Senior Vice President, and Corporate Compliance Director, Heartland Financial USA, Inc.
  • Lynn A. Tarantino, CRCM, CAMS, Senior Vice President, Chief Control Officer, Cenlar FSB
  • Shannon Thomason, CRCM, CERP, Senior Vice President, Chief Compliance Officer, Central Bank

Track: Risk

8I Buy Now Pay Later: Risks and Rewards
Repeated in 7I

It’s your layaway installment program resurrected all over again. Or is it really? Buy Now Pay Later (BNPL) loans have exploded in recent years in the consumer market as free and easy to use credit. But with all the convenience, what are the true risks and opportunities for banks and others to get their piece of the pie? Recent CFPB reports and insights open a path for expansion with important cautions. This session will discuss the pros and cons of entering the BNPL market and ways to mitigate compliance risks.

Moderator:

  • Tanweer S. Ansari, Esq., Executive Vice President- Internal Counsel and Chief Compliance Officer, First National Bank Long Island

Speakers:

  • Nessa Feddis, Senior Vice President and Senior Counsel, Regulatory Compliance and Policy, American Bankers Association, [email protected]
  • Michael R. Guerrero, Partner, Ballard Spahr LLP
  • Scott D. Samlin, Partner, Blank Rome

Track: Compliance

8J Next Level UDAAP: Beyond Lending
Repeated in 7H

UDAAP has been explored and examined many different ways over the years but this is the first time we are focused exclusively on concerns surrounding the use of the ‘unfairness’ test on non-credit products based on the CFPB examination manual updates. We’ll look at the overall impact changes on deposit products especially in terms of privacy, Reg E and information security. We’ll also cover any potential or needed changes you need to make on your overall compliance management program, especially in terms of risk assessment, controls and testing protocols.

Moderator/Speaker:

  • Heather Schaefer, Vice President, Chief Compliance Officer, First Financial Bank NA

Speakers:

  • Brian Johnson, Managing Director, Banking Supervision and Regulation Group, Patomak Global Partners
  • Aaron Rykowski, CRCM, Senior Vice President, Chief Compliance Officer, WesBanco Bank, Inc.

Track: Compliance

11:30 AM – 1:30 PM

Lunch in The Hub

1:30 PM – 2:45 PM

General Session

National Cybersecurity Strategy 2023: A Fireside Chat with Todd Conklin

We are pleased to bring you a fireside chat featuring Todd Conklin, Deputy Assistant Secretary of the Treasury, Office of Cybersecurity and Critical Infrastructure Protection (OCCIP). Paul Benda, ABA’s head of cybersecurity and operational risk will moderate this important conversation on the National Cybersecurity Strategy as well as OCCIP’s key initiatives and concerns.

Moderator:

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

Speaker:

  • Todd Conklin, Deputy Assistant Secretary of the Treasury for the Office of Cybersecurity and Critical Infrastructure Protection, U.S. Department of the Treasury

2:45 PM – 3:30 PM

Dessert in The Hub

Don't miss your final opportunity to visit the Hub at this conference.

3:30 PM – 5:00 PM

Concurrent Sessions – Series 9

Learning Labs
Single Sessions – These sessions will NOT be recorded and there are no repeat sessions.

Pick your topic area and prepare to spend 90 minutes hearing the latest trends and solutions from experts and your peers. These learning labs are devoted to idea exchange and Q&A. You will walk away with an advanced level ability to respond to a particular risk area. These sessions will only be offered one time and they will not be recorded as most of the session time is devoted to table discussions and Q&A.

These sessions will only be offered one time and they will not be recorded as most of the session time is devoted to table discussions and Q&A.

9A Measuring the Success of Your DEI Program
Single Session

Through this conference and other learning events and articles, you have heard some exceptional DEI leading practices that create a successful workplace. But as risk and compliance officers, it is our job (and natural instinct) to explore how to measure success. Join this workshop for a deep dive into DEI quantitative and qualitative data and a case study that reveals the elements used in measuring DEI success. The audience should come expecting a combination lecture and sharing opportunity.

Moderator:

  • Stephanie Bowers, NDCCDP, CDP, Enterprise Compliance Program Office | Compliance Risk Manager Lead, USAA

Speakers:

  • Naomi Mercer (she/her, they/them), Senior Vice President, Diversity, Equity, & Inclusion, American Bankers Association

Tracks: Compliance and Risk

9B Root Cause Analysis and Remediation Plan: How Do You Measure Your Program’s Effectiveness? 
Single Session

There’s a lot to explore when it comes to root cause analysis and remediation – and that’s what these 90 minutes will allow us to do! We’ll talk through the key elements of an effective root cause analysis and successful remediation plan for you to benchmark your own plan, we’ll explore risk and control integration concerns along with testing and monitoring leading practices. We’ll share key metrics used to measure the effectiveness of your program. We’ll talk through how holes in your program can impact a wide range of risks including legal, reputation, compliance, and operational. Finally, we will talk through some real live examples and share lessons learned.

Moderator:

  • Kevin Georgetti, Esq. CRCM CAMS LLM, Chief Compliance Officer, Stifel Bank

Speakers:

  • Laurent Robert, Consultant, Spinnaker Consulting Group LLC
  • Lynn A. Tarantino, CRCM, CAMS, Senior Vice President, Chief Control Officer, Cenlar FSB 

Tracks: Compliance and Risk

9C Exam Management/Issue Management
Single Session

One thing compliance officers know, exam focus is constantly changing. This peer exchange on issue and exam management will explore current hot button exam concerns, by asset size. Come to share how you are managing exam risk and hear new ideas from other practitioners.

Moderator:

  • Charles P. Corbezzolo CRCM, CIPP, Senior Vice President, Business Management and Governance, TD Bank 

Speaker:

  • Michelle L. Daniel, Vice President, Head of Consumer Bank 1B Testing, TD Bank
  • Marilu Jimenez, Esq., CAMs, President, FINCAdvisors LLC

Track: Compliance

9D ERM: Heightened Standards: What Should Be In Focus?
Single Session

It’s been nine years since the OCC issued the original ERM Heightened Standards for risk management. While adjustments and improvements have continued throughout the years, this session is designed to give you a focused approach to analyzing your ERM program and measuring results. The audience will have the opportunity to discuss concerns within your own peer group.

Moderator/Speaker:

  • Joanne T. Campbell, CRCM, Executive Vice President, Enterprise Risk Management and Chief Risk Officer, Camden National Bank

Speakers:

  • Sydney S. Menefee, Partner, Crowe LLP 

Track: Risk

9E Hear Ye! Hear Ye! Let’s Talk Communication and Reporting
Single Session

As risk and compliance officers, we are often tasked with delivering not always welcomed news, obtaining reluctant buy-in and providing sometimes less-than-wonderful reports. This session is designed as an information sharing discussion among the attendees. The Attendees are the Speakers! Bring your questions (and your business cards) to this truly interactive session. You’ll walk away with “industry practices” direct from those in the industry relative to managing difficult relationships and interactions.

Speakers:

  • Paul R. Osborne, Partner, Crowe LLP

  • Scott H Pope, CRCM, Senior Vice President. RPS Prepaid - Risk and Compliance Senior Manager, U.S. Bank
  • Ann Marie Tarantino CRCM, CRP, AMLP, Senior Vice President, Chief Compliance Officer & Risk Officer, Esquire Bank
  • Heather Schaefer, Vice President, Chief Compliance Officer, First Financial Bank NA

Tracks: Compliance and Risk

9F Change Your Training and Search Strategy for 21st Century Risk and Compliance Leaders
Single Session

For a few years, we have heard about the evolution of next-generation risk and compliance officer talent recruitment and training and all of it focused on technology. Whether it is upskilling your current workforce, changing the profile of potential hires, or succession planning for the future, this session will address talent management strategies and trends for the 21st century. 

Speaker:

  • Allen Brady, Managing Director, ZRG Partners Americas, EMEA, Asia Pacific
  • Robert M. Iommazzo, Managing Director, Global Practice Leader, Enterprise Risk and Analytics, SEBA Executive Search, a ZRG Company

Tracks: Compliance and Risk

9G When Do You Engage Internal or External Counsel: A Case Study
Single Session

Join us as we examine a potential crisis scenario and when it becomes essential to engage internal and/or external counsel. From legal implications to liability concerns, we’ll leave some of the decision making to the participants as they vote throughout the case study.

Moderator:

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

Speakers:

  • Christopher (Chris) L. Castillo, Associate General Counsel – Banking and Enterprise Services, Frost Bank
  • Meg Killian, Deputy General Counsel and Senior Vice President, Heartland Financial, USA, Inc.
  • Jeffrey Naimon, Partner, Orrick

Tracks: Compliance and Risk

9H The Role of Risk and Compliance in Enterprise Change Management
Single Session

When it comes to enterprise change management – how does your structure/program compare with your peers? We’ll walk through examples of enterprise change management programs, focusing on the structure and governance elements, efficiencies in the process, measuring the effectiveness of your program and more. Expect to engage with your own ideas – this is not a lecture but a shared learning experience.

Speakers:

  • Peter Dugas, Executive Director, Capco Consulting
  • Elizabeth (Betsy) Fredrickson, CRCM, Compliance Director, Wells Fargo Bank NA

Tracks: Compliance and Risk

9I Evolving Your Complaint Management Program with Data Metrics, Machine Learning and Analytics
Single Session

Banks are expected to leverage a wide range of complaint data metrics and analytics to make informed risk assessments. This session will explore what your analytics can and cannot tell you as well as how to use the data appropriately to improve monitoring, testing and reporting.

Moderator:

  • Sterling Hening, Assistant Vice President, Enterprise Compliance Program Office, Risk & Compliance, USAA

Speakers:

  • David Ackley, Senior Vice President, Director of Information Security and Enterprise Risk Management, Camden National Bank 
  • Stephanie Lennon, Leader, Data and Analytics Practice, Spinnaker Consulting Group
  • Bill Simpson, Chief Product and Technology Officer, Ncontracts

Tracks: Compliance and Risk

Fri, Jun 16

7:30 AM – 10:30 AM

Registration Open

7:30 AM – 8:15 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: Friday Power Breakfast Sessions 

Presentation Sponsored By:
ABA Professional Certifications

Ready to advance your career earning an ABA Professional Certification? 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), Certified Enterprise Risk Professional (CERP) designations, and more!

8:00 AM – 8:30 AM

Coffee and Conversations in the Foyer

Join us for a light breakfast and conversation with your fellow attendees and sponsors.

8:30 AM – 11:30 AM

Between each general session, we will take a brief 15 minute break.

General Session

  • Keynote Address
    Acting Comptroller of the Currency, Michael J. Hsu
  • Regulatory Hot Topics Roundtables
    Join us for our annual panel of senior risk 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.

Part 1: Risk

Moderator:

  • Hugh Carney, Senior Vice President, Prudential Regulation and Asset Management, American Bankers Association

Speakers:

  • Jay Gallagher, Senior Deputy Comptroller for Supervision Risk and Analysis, Office of the Comptroller of the Currency
  • Thomas F. Lyons, Associate Director – Risk Management Policy, Division of Risk Management Supervision, Federal Deposit Insurance Corporation
  • Todd Vermilyea, Senior Associate Director, Division of Banking Supervision and Regulation, Board of Governors of the Federal Reserve

Part 2: Compliance

Moderator:

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

Speakers:

  • Mark Pearce, Director, Division of Depositor and Consumer Protection, Federal Deposit Insurance Corporation
  • 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
  • Lorelei Salas, Supervision Director, Consumer Financial Protection Bureau

What's Next? Key Actionable Takeaways for Risk and Compliance Officers

11:30 AM

Conference Concludes

On-Demand Only Sessions

These pre-recorded sessions will be available for Attendees beginning June 9, 2023. All conference sessions will be placed on the platform and will be available on-demand through September 15, 2023. Session details to come soon.

  • Climate Change Risk: Identifying and Monitoring Risk Drivers
    The best way to tackle an evolving risk area is to hear how peers are managing their risk analysis. Join Valley Bank as they share their approach to implementing systems and processes to identify and monitor climate risk. They will share thoughts on scenario analysis for various climate risk events as well as share their thoughts on how to monitor these risk impacts to credit, liquidity, operations and compliance obligations. As an added bonus, we’ll hear from ABA’s point person on ESG and Climate Risk who will share his the latest on regulatory hot button concerns such as SEC disclosure requirement discussions, Fed standards for assessing climate risks, and more.

Moderator:

  • Joseph Pigg, Senior Vice President and Senior Counsel, ESG & Mortgage Finance • Fair & Responsible Banking, American Bankers Association

Speakers:

  • Faisal Mohed, FVP, Director of Capital Planning and Stress Testing, Valley National Bank
  • Vanessa L. Greene, CERP, CRCM, Senior Vice President, Chief Risk Officer, Cape Cod Five
  • Janet Lee, Director, PwC ESG Consulting
     
  • BSA/AML Update: Beneficial Ownership, AMLA and More

Speakers:

  • Megan D. Hodge, CAMS, Executive Compliance Director, BSA/AML Officer, Enterprise Compliance Regulatory Affairs, Ally Bank
  • Daniel P. Stipano,  Partner, Financial Institutions, Davis Polk & Wardwell LLP
  • Three Heads of the HMDA Dragon: Managing Technical Compliance, Fair Lending and Public Relations
    A technical compliance with data collection, submission and LAR administration are increasingly important as HMDA’s significance to Fair Lending perspectives and an organization’s public relations management become even more prominent. Panelists will discuss key considerations of ensuring your organization is staying ahead of technical compliance risks that may have larger impacts to your organization.

Moderator/Speaker:

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

Speakers:

  • Anurag Agarwal, President, Asurity
  • Patti Joyner, President and Founder, Financial Solutions for Growing Companies, Inc.
     
  • Understanding Unconscious Bias
    Unconscious bias” is a term we hear a lot in relation to diversity, equity, and inclusion. It’s the idea that we have biases, which is short way to say underlying attitudes, that affect our behavior and how we treat others. Our goal is to move beyond unconscious bias training and mere awareness. In fact, we want to get to conscious bias. This session will explore the primary types of bias that show up in our work environments, how we as individuals can move our own biases from unconscious to conscious, and how organizations can make equitable improvements to ameliorate bias in the workplace.

Moderator/Speaker:

  • Naomi Mercer (she/her, they/them), Senior Vice President, Diversity, Equity, & Inclusion, American Bankers Association 

Speakers:

  • Stephanie Bowers, NDCCDP, CDP, Enterprise Compliance Program Office, Compliance Risk Manager Lead,  USAA
  • Latia Coleman, (Tia) Assistant Vice President, Compliance Analyst, Regions Financial Corporation

Keep Me Informed

Get updates on the Risk and Compliance Conference's program. Contact the Events team if you have any questions.