Event Agenda

7:00 a.m. – 8:00 a.m.
Breakfast + Registration

8:00 a.m. – 8:10 a.m.
Insight on Oversight
Al Dominick, President & CEO, Bank Director
Whether it is a complex product, new service or emerging line of business, this year’s Bank Audit & Risk Committees Conference examines the many issues and opportunities being faced in boardrooms at financial institutions of all sizes across the country.

8:10 a.m. – 9:00 a.m.
Transformative Forces Reshaping Banking
Steven D. Hovde, President & CEO, Hovde Group, LLC
To open this year’s conference, we focus on the industry trends, operating conditions and areas of potential opportunity for those banks attending this annual conference.

9:00 a.m. – 9:50 a.m.
Taking On The Toughest Challenges
Bill Fay, Partner, Barack Ferrazzano Kirschbaum & Nagelberg LLP
Dale M. Gibbons, CFO, Western Alliance Bancorporation
Lynn McKenzie, Partner, KPMG LLP
While much has been written about various opportunities for banks to grow, with new opportunities come new potential threats and challenges. From third party vendor risk to long-term business model sustainability, this panel shines a light on key issues that bank boards and executive teams need to be aware of and need to address.

9:50 a.m. – 10:10 a.m.
Refreshment Break

10:10 a.m. – 11:10 a.m.
Peer Collaboration
Exclusive to bank executives and board members, this off-the-record peer collaboration session affords participants an opportunity to privately share insights and experiences with their peers from institutions from across the U.S.

11:20 a.m. – 12:10 p.m.
The Economic Outlook & Implications For Credit Risk
Richard DeKaser, Executive Vice President & Head of the Corporate Economics Group, Wells Fargo & Company
For bank executives and board members, competition takes many forms.  Not only are banks burdened with regulation, capital requirements and stress testing, they now have the added pressure of competition from non-financial institutions. While audit and risk committees focus on things like regulatory and compliance risks, this keynote session provides commentary and analysis on national and regional economic trends.

12:10 p.m. – 1:10 p.m.
Networking Lunch
Sponsored by: Credit Risk Management Analytics, L.L.C.

1:10 p.m. – 2:00 p.m.
Cybersecurity: Today’s Do’s & Tomorrow’s Don’ts
Sai Huda, Senior Vice President & General Manager of Risk, Information Security and Compliance (RISC) Solutions, FIS Global
Cybersecurity is the number one risk facing banks today, and in this interactive session attendees will learn the most effective cybersecurity risk management best practices.

2:10 p.m. – 3:00 p.m.
Topic Breakouts (select one)

Breakout I:  The Characteristics of a Successful Enterprise Risk Management Program
Bill McKendry, Chief Risk Officer, Chief Enterprise Risk Officer, Bank of North Carolina
David Ruffin, Co-Founder, Managing Partner & Member, Credit Risk Management Analytics, L.L.C.
Bankers may assume the implementation of an enterprise risk management (ERM) program is an expensive proposition. Oftentimes, however, the benefits can justify the cost.

Breakout II: Preparing For the Next Down Cycle — Is Your Bank Prepared?
Daniel Joss, Principal, Tessa Asset Management
Stanley F. Orszula, Partner, Barack Ferrazzano Kirschbaum & Nagelberg LLP
John White, Principal, WeiserMazars LLP
With uncertainty in the global markets and the U.S. economy, another downturn may be just around the corner. This session will address how your bank can best mitigate risk in your commercial loan portfolio by being prepared for the next downturn. This session will address topics including what should you be concerned about as an independent director, what was learned from the last down cycle, best practices for non-performing loans and more.

Breakout III: Never Been in Anti-Money Laundering (AML) Trouble? 5 Questions All Bank Directors Should Ask to Keep It That Way
John Epperson, Principal, Crowe Horwath LLP
This session will explore the current AML regulatory landscape and trends and identify the five critical elements all bank directors should be asking to mitigate their AML risks to prevent fines, penalties and enforcement actions. The session will discuss proactive approaches to mitigate AML risk and the propensity for regulatory scrutiny and explore how new business opportunities can arise when AML risk management and compliance efforts are in hand.

3:00 p.m. – 3:20 p.m.
Refreshment Break
Sponsored by: RSM US LLP

3:20 p.m. – 4:10 p.m.
Topic Breakouts (select one)

Breakout I: Is Growth Needed, and Should it be Organic or by Acquisition?
Steven D. Hovde, President & CEO, Hovde Group, LLC
As the regulatory environment becomes increasingly difficult to maneuver, it is safe to anticipate an increase in merger activity — mostly for banks with less than $50 billion of assets. But just because M&A is seen as a primary catalyst for banks under this asset threshold, does “making a deal” make sense? In this breakout session, we evaluate opportunities for community banks based on measures not related to size.

Breakout II: Making Sense of Emerging Risk & Compliance Matters
Michael A. Mancusi, Partner, Arnold & Porter LLP
As new regulations and slim profit margins challenge the banking industry, a host of new legal issues have emerged around risk and compliance matters. This breakout session addresses the most pressing issues banks are facing today.

Breakout III: The Latest Trends in D&O and Cyber Liability Coverage
Dennis Gustafson, Principal & Financial Institutions Practice Leader, Armfield, Harrison & Thomas, Inc
This interactive discussion will first review the impact that cyber risk has on D&O liability and then provide a foundation of all of the different coverages of cyber and D&O liability to help determine which is the appropriate structure for your bank.

4:20 p.m. – 5:10 p.m.
Seeking Consensus: A Point/Counterpoint Debate
Lee W. Hendrickson, CFO, Providence Bank
Salvatore Inserra, Partner, Crowe Horwath LLP
Raymond H. Lefurge, Jr., Vice Chairman, United Bank
As the competitive playing field continues to evolve, a new crop of obstacles confronts officers and directors at banks of all sizes. To wrap up our first full day, we bring back an attendee favorite… a point/counterpoint debate that allows the audience to interact in real-time with an attorney and a consultant with an Audit Committee Chair and a Chief Financial Officer around today’s most challenging issues.

5:10 p.m. – 6:15 p.m.
Networking Peer & Guest Cocktail Reception
Sponsored by:  Hovde Group, LLC 

7:00 a.m. – 8:00 a.m.
Breakfast

8:00 a.m. – 8:10 a.m.
Bank Director’s Audit & Risk Committees Trends Report
Al Dominick, President & CEO, Bank Director
Throughout the year, Bank Director asks officers and directors of financial institutions to share their thoughts on board-specific issues like managing risk, growth and strategic planning. To kick off our second day, we highlight recent research reports that apply to this audience.

8:10 a.m. – 9:00 a.m.
Cybersecurity: What You Don’t Know
Gerald Bessette, Section Chief, Cyber Division, Federal Bureau of Investigation
How does a cyber intrusion occur? What are the three most common intrusions and what precautions should be taken by both the bank and you personally? During this session, hear from a highly decorated veteran with the FBI to receive answers to these questions and find what you should expect from the FBI if an intrusion occurs at your institution.

9:10 a.m. – 10:00 a.m.
Topic Breakouts (select one)

Breakout I:  At the Top of the Audit Committee’s Agenda
Dawnella Johnson, Partner, Crowe Horwath LLP
In today’s highly regulated environment, this informative session will help bank audit committee members understand their role in regulatory compliance and how to maintain a healthy relationship with their institution’s primary regulator.

Breakout II: Accounting Update
Mike Lundberg, National Financial Institutions Assurance Leader & Partner, RSM US LLP
Tim Moritz, Great Lakes Region Financial Institutions Leader & Partner, RSM US LLP
This session will feature an update on technical accounting issues that will impact the audit committee’s agenda for the remainder of 2016. This update will include an emphasis on the new credit impairment standards and will specifically address the significant impact the credit impairment model will have on banks and what you should consider as you plan for the future.

Breakout III: Non-Qualified Benefit Plans As A Long Term Risk Management Tool
Todd Andritsch, Managing Consultant, Equias Alliance
This session will discuss the use of nonqualified benefit plans as part of the bank’s overall compensation plan for executive and director retention as a long term risk management tool. Various plan designs, provisions and strategies will be explored as well as cost recovery approaches. Securities offered through ProEquities, Inc., a Registered Broker/Dealer, and member FINRA and SIPC. Equias Alliance LLC is independent of ProEquities, Inc.

10:00 a.m. – 10:15 a.m.
Refreshment Break

10:15 a.m. – 11:05 a.m.
Topic Breakouts (select one)

Breakout I:  Navigating Risks & Regulatory Complexities
John Geiringer, Partner, Barack Ferrazzano Kirschbaum & Nagelberg LLP
In this session, we will discuss the pressing issues on which the regulators are now focusing – and how bank directors should be prepared.

Breakout II: Challenges and Priorities for Audit Committees and Boards: Are You Focusing on the Right Risks?
Jennifer Burke, Partner, Crowe Horwath LLP
Financial institution risks are wide-ranging and quickly changing—big data, cyber risk and third party risk management come to mind as risks that have recently become more significant. No longer is it sufficient to focus on credit and other traditional risks at the audit committee and board level. New and ever-changing risks can be overwhelming, and it is often difficult to prioritize where audit committees and boards should focus their attention. During this presentation, we will provide guidance to help directors identify and prioritize the key risks to monitor across the organization to achieve the bank’s strategic plan.

11:15 a.m. – 12:05 p.m.
Digital Channels That Change Customer Behaviors
Kellie R. Goodwin, SVP – Head of Wholesale Payments Strategy at SunTrust Bank, Inc.
Timothy Ramsey, Partner, Banking Strategy Advisory, KPMG LLP
The death of the branch has been an unfulfilled prophecy for quite some time.  Still, with more customers desiring a banking “relationship” started — and continued — over a mobile phone, it is fair to wonder what the future holds for a bank’s branch network.  To wrap up this year’s conference, we look at how a bank’s board can be both nimble and opportunistic when it comes to risk management and operational and technological investments specific to their branches.

12:05 p.m. – 12:10 p.m.
Closing Remarks
Al Dominick, President & CEO, Bank Director

For more information and to register, please email or call our events department at [email protected] or (877) 397-7595.