Program | Risk and Compliance Conference

7:00 AM – 8:15 AM

Industry Insights Breakfast Series

Make the most of your conference experience by joining one of our expert corporate partners for an informative breakfast session on how you can overcome your everyday challenges with the use of their products and/or services. These sessions are designed to deliver practical insights while you enjoy your morning meal. A breakfast buffet will be available from 7:15 am – 7:45 am for attendees participating in these sessions.

Industry Insights Breakfast 1

7:30 AM – 5:30 PM

Registration Open

8:00 AM – 8:30 AM

Coffee and Conversation in the Foyer

8:30 AM – 10:00 AM

General Session

Risk and Compliance in a Time of Transformation – An Industry Outlook

The conference will open with a keynote address from ABA President and CEO Rob Nichols, setting the stage for the most pressing issues shaping the risk and compliance environment today. This opening session also launches a conference-long case study that will evolve over the next three days, allowing participants to explore how risk and compliance considerations play out across the enterprise in real time.

• Rob Nichols, President and CEO, American Bankers Association

10:00 AM – 10:30 AM

Coffee Break and Move to Next Session

10:30 AM – 11:15 AM

Concurrent Series 1
Repeated in Series 2

1A Human + AI Integration = Faster Decisions, Fewer Errors, Stronger OutcomesAI
(Repeated in 2A)

With AI adoption accelerating across the industry and talent demands shifting faster than job descriptions can keep up, the urgency is clear: banks that fail to pair AI integration with strengthened human competencies will face higher error rates, slower decisions, and widening performance gaps compared to their peers. At the same time, risk and compliance teams are under pressure to process more data and decisions than ever, and poorly integrated AI can introduce new risks—from over reliance on machine output to erosion of expertise and accountability. In this session, you’ll hear how banks are redesigning workflows to combine AI capabilities with the uniquely human skills that drive trust, judgment, leadership, and sound decision-making. We’ll explore use cases in communication, issues management, change management, data analysis, and daily workflow integration. You’ll walk away with a clearer understanding of where AI can meaningfully improve team performance, as well as practical ideas for investing in the human skills your team must elevate to thrive in an AI enabled environment.

1B Agile Governance Redesign Integrating AI into your Enterprise Risk Framework
(Repeated in 2B)

1C FinTech and Crypto Risks
(Repeated in 2C)

1D Updating Risk Assessments in the Current Environment
(Repeated in 2D)

1E Debunking Debanking Risks
(Repeated in 2E)

1F CRA: It is Time for a Reset
(Repeated in 2F)

1G Commercial Lending Risks and Rewards
(Repeated in 2G)

1H Third Party Risk and Fraud: Managing Vendor and Partner Exposures
(Repeated in 2H)

11:15 AM – 11:30 AM

Move to Next Session

11:30 AM – 12:15 PM

Concurrent Series 2
Repeated from Series 1

2A Human + AI = Faster Decisions, Fewer Errors, Stronger Outcomes
(Repeated from 1A)

With AI adoption accelerating across the industry and talent demands shifting faster than job descriptions can keep up, the urgency is clear: banks that fail to pair AI integration with strengthened human competencies will face higher error rates, slower decisions, and widening performance gaps compared to their peers. At the same time, risk and compliance teams are under pressure to process more data and decisions than ever, and poorly integrated AI can introduce new risks—from over reliance on machine output to erosion of expertise and accountability. In this session, you’ll hear how banks are redesigning workflows to combine AI capabilities with the uniquely human skills that drive trust, judgment, leadership, and sound decision-making. We’ll explore use cases in communication, issues management, change management, data analysis, and daily workflow integration. You’ll walk away with a clearer understanding of where AI can meaningfully improve team performance, as well as practical ideas for investing in the human skills your team must elevate to thrive in an AI enabled environment.

2B Agile Governance Redesign
(Repeated from 1B)

2C FinTech and Crypto Risks
(Repeated from 1C)

2D Updating Risk Assessments in the Current Environment
(Repeated from 1D)

2E Debunking Debanking Risks
(Repeated from 1E)

2F CRA: It is Time for a Reset
(Repeated from 1F)

2G Commercial Lending Risks and Rewards
(Repeated from 1G)

2H Third Party Risk and Fraud: Managing Vendor and Partner Exposures
(Repeated from 1H)

12:15 PM – 1:30 PM

Partner Game Changers Luncheon

1:30 PM – 1:45 PM

Move to Next Session

1:45 PM – 2:30 PM

Concurrent Series 3
Repeated in Series 4

3A Leveraging Your Model Risk Management Program to Incorporate AI
(Repeated in 4A)

Remember that unsettling feeling when Model Risk Management was new? That same alarm is ringing as AI usage creeps deeper into our organizations, including our MRM program. As the saying goes, there’s nothing new under the sun! But don’t panic - AI is just the next logical step! If your MRM program is robust, join us as we walk you through how many of the pieces necessary to manage AI risk already exist within your bank. You will learn how to reexamine and retool key components of your MRM strategy to support AI without reinventing the wheel.

• Moderator: Erika Ross, CERP, Senior Vice President, Chief Risk Officer, Isabella Bank
• Sara Flores, CISS, CISM, CISA, CIPP/US, VP – Operational & Technology Risk, First National Bank of Omaha
• Mike Guglielmo, Managing Director, Darling Consulting Group
• Bill Tucker, CRCM, CAFP, CERP, CIA, Chief Compliance Officer, First Carolina Bank

3B Data Governance and Privacy
(Repeated in 4B)

3C AI in the Lifecycle of a Mortgage
(Repeated in 4C)

3D Integrating AI into your Enterprise Risk Framework
(Repeated in 4D)

3E Part 1: Third Party Risks Gaps: Balancing AI Innovation with Appropriate Third Party Controls
(Repeated in 4E)

3F Thinking about AI Use Cases: A Discussion
(Repeated in 4F)

3G Rethinking Monitoring and Testing: Powered by AI and Automation
(Repeated in 4G)

Banks are under increasing pressure to deliver faster insights, reduce manual workloads, and contain rising operating costs—yet many monitoring and testing programs remain slow, resource intensive, and increasingly misaligned with enterprise expectations. Institutions that continue to rely on legacy approaches risk higher costs, delayed detection, and a reduced ability to influence business decisions as risks evolve. This session explores how AI and automation can transform monitoring and testing by improving speed, accuracy, and efficiency across risk and compliance functions. Speakers will highlight practical opportunities to begin or enhance AI enabled monitoring, including use cases that reduce manual effort, expand coverage, and generate meaningful time and cost savings—while also addressing the governance and oversight considerations needed for responsible adoption. Attendees will leave a leadership perspective on where AI and automation can most effectively enhance monitoring and testing. They will also take away actionable perspectives on practical ways to apply AI and automation to accelerate monitoring and testing while expanding coverage.

3H Next Gen Complaint Intelligence: Stop Collecting. Start Leveraging.
(Repeated in 4H)

Banks don’t lack complaint data—what some lack is a smarter way to turn it into real intelligence. This session cuts through legacy processes to show how modern governance and AI can transform complaints into early warning signals, operational insights, and better customer experiences. If your current process generates reports instead of results, it’s time to rethink how complaint data can truly move the needle.

• Moderator: Elizabeth Snyder Dalzell, CRCM, Senior Vice President, Manager Risk Programs, 1st Line of Defense, City National Bank
• Andy Steinbaugh, Director of Regulatory Change Management, First National Bank of Omaha
• Laurie Swiggett, CRCM, CERP, Senior Vice President, Director of Compliance, UDAAP Oversight, KeyBank

2:30 PM – 2:45 PM

Move to Next Session

2:45 PM – 3:30 PM

Concurrent Series 4
Repeated from Series 3

4A Leveraging Your Model Risk Management Program to Incorporate AI
(Repeated from 3A)

Remember that unsettling feeling when Model Risk Management was new? That same alarm is ringing as AI usage creeps deeper into our organizations, including our MRM program. As the saying goes, there’s nothing new under the sun! But don’t panic - AI is just the next logical step! If your MRM program is robust, join us as we walk you through how many of the pieces necessary to manage AI risk already exist within your bank. You will learn how to reexamine and retool key components of your MRM strategy to support AI without reinventing the wheel.

• Moderator: Erika Ross, CERP, Senior Vice President, Chief Risk Officer, Isabella Bank
• Sara Flores, CISS, CISM, CISA, CIPP/US, VP – Operational & Technology Risk, First National Bank of Omaha
• Mike Guglielmo, Managing Director, Darling Consulting Group
• Bill Tucker, CRCM, CAFP, CERP, CIA, Chief Compliance Officer, First Carolina Bank

4B Data Governance and Privacy
(Repeated from 3B)

4C AI in the Lifecycle of a Mortgage
(Repeated from 3C)

4D Integrating AI into your Enterprise Risk Framework
(Repeated from 3D)

4E Part 1: Third Party Risks Gaps: Balancing AI Innovation with Appropriate Third Party Controls
(Repeated from 3E)

4F Thinking about AI Use Cases: A Discussion
(Repeated from 3F)

4G Rethinking Monitoring and Testing: Powered by AI and Automation
(Repeated from 3G)

Banks are under increasing pressure to deliver faster insights, reduce manual workloads, and contain rising operating costs—yet many monitoring and testing programs remain slow, resource intensive, and increasingly misaligned with enterprise expectations. Institutions that continue to rely on legacy approaches risk higher costs, delayed detection, and a reduced ability to influence business decisions as risks evolve. This session explores how AI and automation can transform monitoring and testing by improving speed, accuracy, and efficiency across risk and compliance functions. Speakers will highlight practical opportunities to begin or enhance AI enabled monitoring, including use cases that reduce manual effort, expand coverage, and generate meaningful time and cost savings—while also addressing the governance and oversight considerations needed for responsible adoption. Attendees will leave a leadership perspective on where AI and automation can most effectively enhance monitoring and testing. They will also take away actionable perspectives on practical ways to apply AI and automation to accelerate monitoring and testing while expanding coverage.

4H Next Gen Complaint Intelligence: Stop Collecting. Start Leveraging
(Repeated from 3H)

Banks don’t lack complaint data—what some lack is a smarter way to turn it into real intelligence. This session cuts through legacy processes to show how modern governance and AI can transform complaints into early warning signals, operational insights, and better customer experiences. If your current process generates reports instead of results, it’s time to rethink how complaint data can truly move the needle.

• Moderator: Elizabeth Snyder Dalzell, CRCM, Senior Vice President, Manager Risk Programs, 1st Line of Defense, City National Bank
• Andy Steinbaugh, Director of Regulatory Change Management, First National Bank of Omaha
• Laurie Swiggett, CRCM, CERP, Senior Vice President, Director of Compliance, UDAAP Oversight, KeyBank

3:30 PM – 4:00 PM

Move to Next Session

4:00 PM – 5:00 PM

General Session

The Future is Here: Adoption of AI into Everyday Risk and Compliance Functions

5:00 PM – 6:15 PM

Opening Reception in The Hub

6:30 PM – 8:00 PM

ABA Certifications Reception
for current CRCMs and CERPs only

7:30 AM – 5:30 PM

Registration Open

7:30 AM – 8:15 AM

Industry Insights Breakfast Sessions

Make the most of your conference experience by joining one of our expert corporate partners for an informative breakfast session on how you can overcome your everyday challenges with the use of their products and/or services. These sessions are designed to deliver practical insights while you enjoy your morning meal. A breakfast buffet will be available from 7:15 am – 7:45 am for attendees participating in these sessions.

Industry Insights Breakfast 1Sponsored by Kadince

Industry Insights Breakfast 2Sponsored by Grant

Industry Insights Breakfast 3Sponsored by nContracts

Industry Insights Breakfast 4Sponsored by Plaid

8:00 AM – 8:30 AM

Coffee and Conversations in the Foyer

8:30 AM – 9:45 AM

General Session

Reset and Rethink – Getting into a Growth and Profitability Mindset

Part 1: Navigating Compliance as Growth Oriented Strategy

Part 2: Leveraging Corporate Risk to Broaden Business Opportunities

9:45 AM – 10:45 AM

Coffee Break in The Hub

10:45 AM – 11:30 AM

Concurrent Series 5
Repeated in Series 6

5A Part 2 (from 3E/4E): Third Party Risks Gaps: Balancing AI Innovation with Appropriate Third Party Controls
(Repeated in 6A)

5B Stablecoin: Risks and Rewards
(Repeated in 6B)

5C Pit Stops, Pace Laps and the Final Lap: Navigating Risk and Compliance Considerations Throughout the M&A Lifecycle
(Repeated in 6C)

Mergers and acquisitions don’t happen in a single lap—they are a full race. This session will cover the full range of both key and emerging risk and compliance considerations involved in each “lap.” We’ll explore the latest concerns in due diligence, regulatory approval, legal Day 1 readiness, and post-closing integration. By the end of the session, you will be a pit crew member, ready to respond to changes in the race and apply your upgraded M&A playbook from start to finish. Expect specific items you can add to your current playbook to reflect new and emerging risks.

• Moderator: Thomas Williams, CRCM, CCBIA, Executive Vice President, ACT Specialist Compliance Director, United Bank
• Chris Spellman, Chief Compliance Officer, Capital Bank
• Lynn A. Tarantino, CRCM, CAMS, Senior Vice President, Deputy Chief Risk Officer, Fulton Bank
• Cara Williams, CERP, CRCM, CCEP-I, Chief Compliance Officer, Cornerstone Capital Bank

5D Cloud Migration Strategies: Balancing Innovation and Vendor Risk
(Repeated in 6D)

5E Underwriting Approaches (Fair Lending Approach)
(Repeated in 6E)

5F Providing Credible Challenge to Credit Risk Reporting
(Repeated in 6F)

5G AI and Cybersecurity: Leveraging AI Risk Management Frameworks to Address Cyber Risks
(Repeated in 6G)

As cyber threats accelerate and AI reshapes the attack surface, risk leaders are increasingly accountable for explaining, governing, and defending cyber risk at the board and regulatory level. This session examines how banks are using the NIST Risk Management AI Framework as well as the Cyber Risk Institute (CRI) CRI AI Profile to translate cybersecurity and AI-related risks into a consistent, enterprise-wide risk framework. Featuring insights from CRI and bankers actively implementing the Profile, the discussion will focus on lessons learned, governance challenges, and what risk officers need to understand to ensure cyber resilience is more than a compliance exercise. Designed for CROs, enterprise risk leaders, and compliance executives, this session will provide concrete examples of how cyber risk intersects with operational resilience, third-party risk, and AI governance—and how to ensure effective implementation becomes an enterprise-wide priority.

• Moderator: John Carlson, Senior Vice President, Cyber Security Regulation and Resilience, American Bankers Association
• Emily Beam, Managing Director & Chief Operating Officer, Cyber Risk Institute
• Matt Henderson, CISA, CISM, CRISC, CISSP, Senior Vice President, Chief Information Security Officer, Capital City Bank

5H Closing Supervisory Gaps and Setting Standards for AI Validation
(Repeated in 6H)

Keeping up with AI policy is a challenge in itself—this session will make it easier. We’ll walk through the most important developments shaping the regulatory landscape, starting with practical solutions for addressing gaps in existing model risk management supervisory guidance, especially as technology and operational practices have evolved since 2011. We’ll also explore the emergence of standard setting organizations focused on AI validation methodologies and discuss what increased agency reliance on these external standards could mean for banks. This includes how deference to such standards may influence due diligence expectations for AI service providers and reshape future oversight. Attendees will come away with a clearer understanding of where AI policy is heading and how to prepare their risk and compliance programs accordingly.

• Moderator: Ryan T. Miller, CIPP/US, Vice President & Senior Counsel, Innovation Policy, American Bankers Association
• Medha Bankhwal, Associate Partner, Co-leader, AI Trust Practice, QuantumBlack, AI by McKinsey
• Viktor Tsyrennikov, Vice President, Charles River Associates

11:30 AM – 11:45 AM

Move to Next Session

11:45 AM – 12:30 PM

Concurrent Series 6
Repeated from Series 5

6A Part 2 (from 3E/4E): Third Party Risks Gaps: Balancing AI Innovation with Appropriate Third Party Controls
(Repeated from 5A)

6B Stablecoin: Risks and Rewards
(Repeated from 5B)

6C Pit Stops, Pace Laps and the Final Lap: Navigating Risk and Compliance Considerations Throughout the M&A Lifecycle
(Repeated from 5C)

Mergers and acquisitions don’t happen in a single lap—they are a full race. This session will cover the full range of both key and emerging risk and compliance considerations involved in each “lap.” We’ll explore the latest concerns in due diligence, regulatory approval, legal Day 1 readiness, and post-closing integration. By the end of the session, you will be a pit crew member, ready to respond to changes in the race and apply your upgraded M&A playbook from start to finish. Expect specific items you can add to your current playbook to reflect new and emerging risks.

• Moderator: Thomas Williams, CRCM, CCBIA, Executive Vice President, ACT Specialist Compliance Director
• Chris Spellman, Chief Compliance Officer, Capital Bank
• Lynn A. Tarantino, CRCM, CAMS, Senior Vice President, Deputy Chief Risk Officer, Fulton Bank
• Cara Williams, CERP, CRCM, CCEP-I, Chief Compliance Officer, Cornerstone Capital Bank

6D Cloud Migration Strategies: Balancing Innovation and Vendor Risk
(Repeated from 5D)

6E Underwriting Approaches (Fair Lending Approach)
(Repeated from 5E)

6F Providing Credible Challenge to Credit Risk Reporting
(Repeated from 5F)

6G AI and Cybersecurity: Leveraging AI Risk Management Frameworks to Address Cyber Risks
(Repeated from 5G)

As cyber threats accelerate and AI reshapes the attack surface, risk leaders are increasingly accountable for explaining, governing, and defending cyber risk at the board and regulatory level. This session examines how banks are using the NIST Risk Management AI Framework as well as the Cyber Risk Institute (CRI) CRI AI Profile to translate cybersecurity and AI-related risks into a consistent, enterprise-wide risk framework. Featuring insights from CRI and bankers actively implementing the Profile, the discussion will focus on lessons learned, governance challenges, and what risk officers need to understand to ensure cyber resilience is more than a compliance exercise. Designed for CROs, enterprise risk leaders, and compliance executives, this session will provide concrete examples of how cyber risk intersects with operational resilience, third-party risk, and AI governance—and how to ensure effective implementation becomes an enterprise-wide priority.

• Moderator: John Carlson, Senior Vice President, Cyber Security Regulation and Resilience, American Bankers Association
• Emily Beam, Managing Director & Chief Operating Officer, Cyber Risk Institute
• Matt Henderson, CISA, CISM, CRISC, CISSP, Senior Vice President, Chief Information Security Officer, Capital City Bank

6H Closing Supervisory Gaps and Setting Standards for AI Validation
(Repeated from 5H)

Keeping up with AI policy is a challenge in itself—this session will make it easier. We’ll walk through the most important developments shaping the regulatory landscape, starting with practical solutions for addressing gaps in existing model risk management supervisory guidance, especially as technology and operational practices have evolved since 2011. We’ll also explore the emergence of standard setting organizations focused on AI validation methodologies and discuss what increased agency reliance on these external standards could mean for banks. This includes how deference to such standards may influence due diligence expectations for AI service providers and reshape future oversight. Attendees will come away with a clearer understanding of where AI policy is heading and how to prepare their risk and compliance programs accordingly.

• Moderator: Ryan T. Miller, CIPP/US, Vice President & Senior Counsel, Innovation Policy, American Bankers Association
• Medha Bankhwal, Associate Partner, Co-leader, AI Trust Practice, QuantumBlack, AI by McKinsey
• Viktor Tsyrennikov, Vice President, Charles River Associates

12:30 PM – 2:00 PM

Lunch in The Hub

2:00 PM – 2:45 PM

Concurrent Series 7
Repeated in Series 8

7A The Payments Risk Balancing Act: Speed, Safety and Customers
(Repeated in 8A)

Electronic payments are now the customer expectation—but when network rules, third party risk, and change management fall out of sync, the friction is immediate and felt: failed payments, delayed funds availability, customer complaints, and regulatory exposure. Each breakdown carries a real economic cost—measured in dollars per transaction, days of cash flow delay, increased servicing expense, and escalating compliance risk. As payment rails evolve faster than many risk programs, the gap is widening. This session examines the convergence of payment network rules, TPRM, risk assessments, and regulatory consumer compliance, equipping attendees with practical, actionable insights to identify, prioritize, and mitigate these risks before they impact customers, revenue, or regulators.

• Moderator: Scott H Pope, CRCM, Senior Vice President, Payments CRO Risk and Compliance Senior Manager - Consumer and Small Business Payments, US Bank
• Devon Marsh, APRP, Managing Director, ACH Network Rules and Risk Management, NACHA
• Raji Sathappan, CPA, MBA, CRCM, CAMS, CISA, Managing Director, Mercadien Group

7B Get off the Bench! Time to Update Your KRIs!!!
(Repeated in 8B)

Managers of all teams change and evolve and strive for continuous improvement. Now is the time to update, refresh and recalibrate the bank’s Key Risk Indicator Program. In this session, you’ll rethink all you know as you hear about the latest practices in updating and adding new KRIs, reviewing thresholds and tolerances, and recalibrating your KRI breach procedures.

• Mary Clouthier, Executive Vice President, Chief Risk Officer, Cornerstone Capital Bank, SSB
• Stephanie Noble, MBA, CERP, Chief Risk Officer, Sunflower Bank
• Marion Quaye Brown, MBA, Senior Vice President, Deputy Business Unit Chief Risk Officer, Truist

7C A Strategic Reset for Your Fair and Responsible Banking Program: Modernizing Without Overhauling
(Repeated in 8C)

With shifting regulatory priorities, now’s the time to refresh your fair and responsible banking program. This session will discuss approaches to streamlined monitoring, provide tools to help fine tune your SPCP to withstand review, and identify AI tools that enhance analytics while keeping you compliant.

7D Speaking the Business Language: Advancing Risk and Compliance Through Influence
(Repeated in 8D)

Effective risk and compliance leaders rarely operate with direct authority—but they are expected to influence decisions across the enterprise. This panel discussion explores practical strategies for communicating up, across, and beyond traditional reporting lines, with a focus on influence, relationship building, and credibility. Panelists will discuss how to frame risk and compliance conversations to encourage engagement rather than resistance, including techniques for translating complex regulatory and risk concepts into clear, plain language that resonates with business partners and senior leadership. The session will also examine how tools such as AI can support this translation process—helping teams tailor messages, anticipate questions, and communicate more effectively at scale. Attendees will leave with tactical tools for strengthening cross functional communication, better understanding different communication styles, and advancing compliance objectives through influence rather than authority.

• Moderator: Elizabeth (Beth) A. Reister, Chief Compliance Officer, Fulton Bank

7E Customer Journey Friction v. Risk: Finding the Sweet Spot in Customer Verification
(Repeated in 8E)

7F Strengthening Oversight: Credible Challenge in Portfolio Risk Analytics
(Repeated in 8F)

7G CRE Markets are Improving, but Credit Risk Continues to Require Due Diligence
(Repeated in 8G)

Join us for a fireside chat with an Economist and a Chief Credit Officer as they review sub asset classes that are improving, but what areas still require focus for credit risk.

• Moderator: Sharon Whitaker, Vice President, CRE & Mortgage Finance, American Bankers Association
• Warren B. Hrung, Head of Research, Banking and Economic Policy Research, American Bankers Association

7H Managing BaaS Risks: Next-Level TPRM
(Repeated in 8H)

Banking as a Service can be an opportunity for banks to digitize and modernize. If done well, BaaS benefits can be multifaceted, bringing customers (and revenue streams) to your bank. But, there are risks in these relationships - compliance, BSA, third-party and financial to name a few. Join us as we discuss the oversight and service responsibilities to manage BaaS relationships in a safe and sound manner.

• Moderator: Ann Marie Tarantino CRCM, CRP, AMLP, Senior Vice President, Chief Compliance Officer and Risk Officer, Esquire Bank, N.A.
• Daniel P. Stipano, Partner, Davis Polk

2:45 PM – 3:45 PM

Dessert Break in The Hub

3:45 PM – 5:15 PM

General Session 4

Art of the Scam: Lessons from the Front Lines

Step inside the world of scammers and fraudsters during an interactive general session that blends live demonstration and expert insight. Renowned scam baiter Kitboga will showcase real tactics used by scammers to manipulate victims, followed by a candid fireside chat on solutions. Expect to hear insights into the anatomy of common scams and learn about emerging threats. Attendees will leave with a deeper understanding of how scammers think—and actionable ideas to strengthen defenses.Featuring Kitboga – Scam education content creator, fraud prevention expert, software engineer and CEO of Seraph Secure

• Moderator: Paul Benda, Executive Vice President, Risk, Fraud and Cyber Security, American Bankers Association

5:30 PM – 7:30 PM

Special Conference Reception

NASCAR Hall of Fame

This special reception is included in your cost of registration

7:30 AM – 5:30 PM

Registration Open

7:30 AM – 8:15 AM

Industry Insights Breakfast Sessions

Make the most of your conference experience by joining one of our expert corporate partners for an informative breakfast session on how you can overcome your everyday challenges with the use of their products and/or services. These sessions are designed to deliver practical insights while you enjoy your morning meal. A breakfast buffet will be available from 7:15 am – 7:45 am for attendees participating in these sessions.

Industry Insights Breakfast 1Sponsored by Mitratech

Industry Insights Breakfast 2Sponsored by Abrigo

Industry Insights Breakfast 3Sponsored by Wolters

Industry Insights Breakfast 4Sponsored by Continuous

8:00 AM – 8:30 AM

Coffee and Conversations in the Foyer

8:30 AM – 9:15 AM

Concurrent Series 8
Repeated from Series 7

8A The Payments Risk Balancing Act: Speed, Safety and Customers
(Repeated from 7A)

• Moderator: Scott H Pope, CRCM , Senior Vice President, Payments CRO Risk and Compliance Senior Manager - Consumer and Small Business Payments, US Bank
• Devon Marsh, APRP, Managing Director, ACH Network Rules and Risk Management, NACHA
• Raji Sathappan, CPA, MBA, CRCM, CAMS, CISA, Managing Director, Mercadien Group

8B Get off the Bench! Time to Update Your KRIs!!!
(Repeated from 7B)

Managers of all teams change and evolve and strive for continuous improvement. Now is the time to update, refresh and recalibrate the bank’s Key Risk Indicator Program. In this session, you’ll rethink all you know as you hear about the latest practices in updating and adding new KRIs, reviewing thresholds and tolerances, and recalibrating your KRI breach procedures.

• Mary Clouthier, Executive Vice President, Chief Risk Officer, Cornerstone Capital Bank, SSB
• Stephanie Noble, MBA, CERP, Chief Risk Officer, Sunflower Bank
• Marion Quaye Brown, MBA, Senior Vice President, Deputy Business Unit Chief Risk Officer, Truist

8C A Strategic Reset for Your Fair and Responsible Banking Program: Modernizing Without Overhauling
(Repeated from 7C)

With shifting regulatory priorities, now’s the time to refresh your fair and responsible banking program. This session will discuss approaches to streamlined monitoring, provide tools to help fine tune your SPCP to withstand review, and identify AI tools that enhance analytics while keeping you compliant.

8D Speaking the Business Language: Advancing Risk and Compliance Through Influence
(Repeated from 7D)

Effective risk and compliance leaders rarely operate with direct authority—but they are expected to influence decisions across the enterprise. This panel discussion explores practical strategies for communicating up, across, and beyond traditional reporting lines, with a focus on influence, relationship building, and credibility. Panelists will discuss how to frame risk and compliance conversations to encourage engagement rather than resistance, including techniques for translating complex regulatory and risk concepts into clear, plain language that resonates with business partners and senior leadership. The session will also examine how tools such as AI can support this translation process—helping teams tailor messages, anticipate questions, and communicate more effectively at scale. Attendees will leave with tactical tools for strengthening cross functional communication, better understanding different communication styles, and advancing compliance objectives through influence rather than authority.

• Moderator: Elizabeth (Beth) A. Reister, Chief Compliance Officer, Fulton Bank

8E Customer Journey Friction v. Risk: Finding the Sweet Spot in Customer Verification
(Repeated from 7E)

8F Strengthening Oversight: Credible Challenge in Portfolio Risk Analytics
(Repeated from 7F)

8G CRE Markets are Improving, but Credit Risk Continues to Require Due Diligence
(Repeated from 7G)

Join us for a fireside chat with an Economist and a Chief Credit Officer as they review sub asset classes that are improving, but what areas still require focus for credit risk.

• Moderator: Sharon Whitaker, Vice President, CRE & Mortgage Finance, American Bankers Association
• Warren B. Hrung, Head of Research, Banking and Economic Policy Research, American Bankers Association

8H Managing BaaS Risks: Next-Level TPRM
(Repeated from 7H)

Banking as a Service can be an opportunity for banks to digitize and modernize. If done well, BaaS benefits can be multifaceted, bringing customers (and revenue streams) to your bank. But, there are risks in these relationships - compliance, BSA, third-party and financial to name a few. Join us as we discuss the oversight and service responsibilities to manage BaaS relationships in a safe and sound manner.

• Moderator: Ann Marie Tarantino CRCM, CRP, AMLP, Senior Vice President, Chief Compliance Officer and Risk Officer, Esquire Bank, N.A.
• Daniel P. Stipano, Partner, Davis Polk

9:15 AM – 10:15 AM

Coffee Break in the HUB

10:15 AM – 10:45 AM

Reg Bursts Series 1 – Your quick takeaways from Washington
(Offering seven options – repeated next series)

Reg Burst #1: Reg Pressure Points: The AML/CFT & OFAC Changes Driving Your 2026 Risk Priorities
Repeated in next series

As financial crimes evolve, regulators are tightening their focus on the pressure points where banks face the greatest exposure — from beneficial ownership and high-risk customer activity to sanctions vulnerabilities. In this fast-paced briefing, we’ll pinpoint the AML/CFT and OFAC changes most likely to drive your 2026 risk priorities, reshape budgets, and influence exam readiness. Leave with a clear view of looming deadlines, operational impacts, and the cross-team steps required to stay ahead without overspending.

• Heather Trew, Senior Vice President and Counsel, BSA, AML, Sanctions Compliance and Policy, American Bankers Association

Reg Burst #2: Improving Your Cybersecurity Resilience in Today’s Environment
Repeated in next series

Reg Burst #3: Emerging Litigation RiskKey
Repeated in next series

Reg Burst #4: Credit Scoring: Where are We Now?
Repeated in next series

Reg Burst #5: Section 1071 and Reg B: Quick Review of Latest Developments and Impacts
Repeated in next series

Reg Burst #6: Mortgage Lending Hot Topics
Repeated in next series

Reg Burst #7: Consumer Complaint Landscape: What’s Going on Now
Repeated in next series

10:45 AM – 11:00 AM

Move to Next Session

11:00 AM – 11:30 AM

Reg Bursts Series 2– Your quick takeaways from Washington
(Offering seven options – repeated from previous series)

Reg Burst #1: Reg Pressure Points: The AML/CFT & OFAC Changes Driving Your 2026 Risk Priorities
Repeated in from previous series

As financial crimes evolve, regulators are tightening their focus on the pressure points where banks face the greatest exposure — from beneficial ownership and high-risk customer activity to sanctions vulnerabilities. In this fast-paced briefing, we’ll pinpoint the AML/CFT and OFAC changes most likely to drive your 2026 risk priorities, reshape budgets, and influence exam readiness. Leave with a clear view of looming deadlines, operational impacts, and the cross-team steps required to stay ahead without overspending.

• Heather Trew, Senior Vice President and Counsel, BSA, AML, Sanctions Compliance and Policy, American Bankers Association

Reg Burst #2: Improving Your Cybersecurity Resilience in Today’s Environment
Repeated in from previous series

Reg Burst #3: Emerging Litigation Risk
Repeated in from previous series

Reg Burst #4: Credit Scoring: Where are You Now?
Repeated in from previous series

Reg Burst #5: Section 1071 and Reg B: Quick Review of Latest Developments and Impacts
Repeated in from previous series

Reg Burst #6: Mortgage Lending Hot Topics
Repeated in from previous series

Reg Burst #7: Consumer Complaint Landscape: What’s Going on Now
Repeated in from previous series

11:30 AM – 11:45 AM

Move to Next Session

11:45 AM – 1:15 PM

Seated Luncheon with Speaker

Building Bridges in a Fractured Landscape

In today’s environment—where political complexity, social tension, and rapid organizational change shape daily interactions—risk and compliance professionals are increasingly called upon to lead with clarity, composure, and connection. “Building Bridges in a Fractured Landscape” explores practical, human centered approaches to strengthening relationships and advancing shared goals, even when stakeholders bring vastly different viewpoints to the table. Drawing on real-world leadership experiences and offering research-based insights and proven communication techniques, Ellen Poole will focus on how to enhance connectedness across teams, business partners, and other stakeholders—each with differing priorities, pressures, and perspectives. Attendees will walk away with actionable tactics for bridging gaps, and building stronger, more resilient partnerships that improve collaboration and outcomes across the enterprise.

• Ellen Poole, Esq., Principal, Ellen Poole, PLLC, Author, Attorney, Government Relations and Public Affairs Strategist, Relationship Architect

1:15 PM – 2:15 PM

Sip and Win: Prize Bonanza in The Hub

2:15 PM – 3:45 PM

Concurrent Series 9

Master Class Learning Labs with Libations
Single Sessions – No Repeats · In-Person Only · No Recordings

Choose from six dynamic options — but choose wisely! These sessions are offered just once and will not be recorded. Learning Labs offer a 90-minute deep dive into emerging trends, practical solutions, and peer-driven insights tailored for senior-level risk and compliance professionals. Expect a lively, interactive format focused on real-world challenges and collaborative problem-solving.

Note: Grab a libation on the way to your master class session which will provide a deep dive on how to tackle complex operational issues. These sessions are exclusive to in-person attendees and will not be available virtually.

LL #1 Optimizing Fair Lending Programs with Automation

• Renee Huffaker, CRCM, Executive Director Enterprise Risk and Compliance, Arvest Bank
• Tela G. Mathias, Chief Nerd and Mad Scientist, CTO, PhoenixTeam
• Kitty Ryan, Senior Vice President, Fair and Responsible Banking, American Bankers Association

LL #2 Improving Your Flood Program: Operational Scenarios, Benchmarks and Real-World Answers

This session is where all of your flood questions get answered! This interactive 90 minute session is designed to give you clarity and confidence by walking through key operational scenarios that commonly arise in the “flood zone.” You’ll benchmark your institution’s practices against current industry thinking, explore how peers are handling complex requirements, and surface practical strategies to strengthen your flood program. With ample time built in for Q&A and peer discussion, this session is the perfect opportunity to get your toughest questions answered and leave with insights you can put into practice immediately.

• Teshale Smith, Senior Counsel, Consumer Regulations and Compliance Solutions, American Bankers Association
• Heather Wright, Partner, Buchalter

LL #3 From Workflows to Workforce: Analyzing for AI Integration

LL #4 Deep Dive into the AI Impact to the Mortgage Lending Lifecycle

LL #5 Just Say No to the Data Black Box

• Whether you have an embedded data team or a centralized external unit, how do you know you are getting what you need? Are your roles and responsibilities defined? Is the data and analytics team “cleaning” your data and causing you to miss things?
• You can develop a system or program that sheds light on data outputs without having to hire compliance professionals who can read or write code by leveraging data reconciliations and designing other input and output parameters.

LL #6 Regulatory Reset: Balancing New Approaches to Oversight

Regulatory oversight is shifting — guidance is evolving, examiner teams look different, and expectations are changing. At the same time, emerging risks such as generative AI are advancing faster than regulatory frameworks can keep pace. In this interactive 90-minute learning lab, participants will work through real world scenarios that reflect today’s rapidly evolving supervisory environment.

Through facilitated discussion, polling, and collaborative problem solving, attendees will explore how to operate within this regulatory reset while maintaining strong risk management. Participants will leave with peer validated strategies for maintaining a proactive over reactive posture, strengthening regulatory relationships, sustaining internal governance, improving exam readiness, and communicating more effectively with senior leadership and the board. This session will not be recorded to encourage open discussion and candid peer exchange.

• Moderator: Jennifer L. Gemma, Director, Operational Risk, Key Bank
• Nick Baxter, Executive Vice President, Chief Risk Officer, First National Bank of Omaha
• Thomas Williams, CRCM, CCBIA, ACT Specialist, Executive Vice President, Compliance Director, United Bank

3:45 PM – 4:00 PM

Move to Next Session

4:00 PM – 5:00 PM

Closing General Session

Case Study in Risk and Compliance

Make sure your travel plans allow you to stay for this final and important session.

5:00 PM – 5:45 PM

Thank You Reception

5:45 PM

Conference Concludes