*agenda subject to change7:00 a.m. – 8:00 a.m.
Breakfast + Registration

8:00 a.m. – 8:10 a.m.
Al Dominick,
President, Bank Director
Jack Milligan, Bank Director magazine
To open our annual Bank Audit & Risk Committees Conference, Bank Director’s President, Al Dominick, and Jack Milligan, the Editor of Bank Director magazine will share recent trends and topics that influenced the setting of this year’s agenda.  In addition, they will introduce some of the challenges and priorities driving financial institutions across the country to be discussed throughout the conference.

8:10 a.m. – 9:00 a.m.
What’s On the Road Ahead
Steven D. Hovde,
President & CEO, Hovde Group, LLC
The banking marketplace today is dramatically different from what it was just a few years ago.  To open this year’s program, we take a look at the strategic challenges, operating conditions and general outlook for public and private banks today.

9:00 a.m. – 9:50 a.m.
Oversight & Expectations:  Managing the Burden Across the Institution
Robert M. Fleetwood,
Securities Section Leader, Barack Ferrazzano Kirschbaum & Nagelberg LLP
Lynn McKenzie, Lead Financial Services Internal Audit Partner for the West, KPMG
Phil Rohrbaugh, Chief Risk Officer, Fulton Financial
Moderated by:  Al Dominick, President, Bank Director
Fundamentally, risk oversight is a responsibility of the board.  As regulators and requirements continue to evolve, officers and directors cannot always wait for the Federal Reserve or other agencies to release guidance to get a sense of the potential impact on their institution.  This panel lays out some of the most pressing issues today and on the horizon for which bank executives and board members need to prepare.

9:50 a.m. – 10:10 a.m.
Refreshment Break
Sponsored by:  Arnold & Porter LLP  

10:10 a.m. – 11:00 a.m.
Crisis Management:  What Works, What Doesn’t Grand Ballroom and How To Be Best Prepared for the Unexpected 
Rhonda Barnat,
Managing Director, The Abernathy MacGregor Group
Financial institutions must engender absolute trust in order to truly thrive.  This session on crisis management will cover what works, what doesn’t and how directors and senior managers of financial institutions can be best prepared to meet the unexpected and survive with a reputation intact.  We will pay particular attention to the best crisis management practices related to cyber events and data breaches. 

11:00 a.m. – 12:15 p.m.
Peer Collaboration
Broken into two tracks – Risk vs. Audit – and exclusive to qualified bank attendees, the peer collaboration session offers participants a unique opportunity to share insight and learn from the experiences of their banking peers.

12:15 p.m. – 1:15 p.m.
Sponsored by:  Credit Risk Management, LLC

1:15 p.m. – 2:05 p.m.
How to Transform Risk Management from Defense into Offense
Sai Huda,
Senior Vice President & General Manager, Enterprise Governance, Risk & Compliance (EGRC) Solutions, FIS
In this practical, how-to session, the “best practices” are revealed that boards must adopt and C-level executives need to subsequently implement to move risk management from a defensive into an offensive strategy to transform a financial institution into a high performing bank.

2:10 p.m. – 3:00 p.m.
Topic Breakouts (select one)
Choose from one of the following breakout sessions below.  Please note breakout sessions may have either a Risk focus or an Audit focus.

Audit breakout I:
Board Basics:  Audit Committee 101
Archie L. Bransford, Jr.,
Audit Committee Chairman, State Bank Financial Corporation
Joseph T. Ceithaml, Upper Midwest Leader, Barack Ferrazzano Kirschbaum & Nagelberg LLP
John F. White, Partner, WeiserMazars LLP
In addition to understanding financial, audit and risk management issues, audit committee members are being asked to take on more responsibilities and perform at higher levels than ever before.  This informative session identifies the essential information that every audit committee member needs to know.

Board Basics:  ERM 101
Tyrone J. Bliss,
Executive Vice President, Risk Management & Compliance Officer, Banner Bank
David H. Ruffin, Co-Founder, Managing Partner & Member, Credit Risk Management, LLC
Bankers may assume the implementation of an enterprise risk management (ERM) process is an expensive proposition; oftentimes, the benefits can justify the cost.

Risk breakout III:
Measuring & Managing Risk
Sai Huda,
Senior Vice President & General Manager, Enterprise Governance, Risk & Compliance (EGRC) Solutions, FIS
Given the myriad of constantly changing threats faced by banks, it is critical for board members and C-level executives to use a risk dashboard of key risk indicators that can identify emerging risks before they turn into problematic patterns and practices or financial losses.  This breakout session highlights how banks of various sizes can intelligently measure and manage risk based on risk profile and risk appetite using a risk dashboard of key risk indicators that are leading not lagging.

Audit breakout IV:
The CFO’s Ever Expanding Role
William Knibloe,
 Partner, Crowe Horwath LLP
David L. Stoehr, Executive Vice President and Chief Financial Officer, Wintrust Financial Corp.
Constant change in a bank’s CFO’s environment, be it regulatory, legislative or accounting, is creating very real challenges and burdens.  CFOs are daily confronted by situations that call on every bit of their expertise.

3:00 p.m. – 3:15 p.m.
Refreshment Break

3:15 p.m. – 4:05 p.m.
Topic Breakouts (select one)
Choose from one of the following breakout sessions below.  Please note breakout sessions may have either a Risk focus or an Audit focus.

Reputational Risks and Crisis Management
Robert C. Azarow,
Partner, Arnold & Porter LLP
Maureen Morrissey Brown,
Senior Vice President & Director of Public Relations, Huntington Bank
As banks today try to add new clients, how do financial institutions handle reputational risks when faced with a crisis?  The bank across the street can offer the same products and services… so how do you maintain and gain when something has gone wrong?  During this session, hear lessons learned from an industry leader and expert advisor. 

Risk breakout II:
Building a Strong Credit Culture
Daniel D. Callahan,
EVP, Chief Credit Officer & Chief Risk Officer, Commerce Bancshares, Inc.
David H. Ruffin, Co-Founder, Managing Partner & Member, Credit Risk Management, LLC
Banks make most of their money from lending, so having a strong credit risk management system in place is vital to every institution’s profitability.  This session will lay out the basics of an effective credit risk management system.

What Is My Bank Potentially Worth
Steven D. Hovde,
President & CEO, Hovde Group, LLC
Bank M&A pricing has improved — but has not yet recovered to the attractive valuations that were available just a few years ago.  Couple this with a volatile equities market and the valuation process can become tricky.  This session helps audit committee members understand how the valuation process works.

4:10 p.m. – 5:00 p.m.
Don’t Fear The Accounting
Salvatore Inserra, 
Partner, Crowe Horwath LLP
Accounting has become increasing complex to apply.  The desire to avoid these complexities sometimes impacts business decisions opting to minimize the burden of the accounting application.  In this session, we will discuss at a high level some of the business decisions and financial results that may be impacted by taking the path of least resistance. 

5:00 p.m. – 6:00 p.m.
Cocktail Reception
Sponsored by:  Hovde Group, LLC

7:00 a.m. – 8:00 a.m.

8:00 a.m. – 8:10 a.m.
Welcome Back
Jack Milligan, Editor, Bank Director magazine

8:10 a.m. – 9:00 a.m.
Enlightened Governance & Oversight in an Age of Basel III and Unprecedented Uncertainty
Orlando B. Hanselman,
Education Programs Director, Enterprise Performance Management, Fiserv
Unprecedented uncertainty and economic headwinds continue confronting financial institutions of all sizes as we enter 2014.  Regulatory pressures on financial institutions of all sizes and charters continue to mount, posing challenges to the basic banking business model and traditional balance sheet structure.  Such pressures, along with risk management, capital access and optimized risk-based capital management, are seen as daunting potential speed bumps to both the growth and profitability of financial institutions.  This session will provide participants with a practical road-map to thrive in this environment.

9:05 a.m. – 9:55 a.m.
Topic Breakouts (select one)
Choose from one of the following breakout sessions below.  Please note breakout sessions may have either a Risk focus or an Audit focus. 

Audit Breakout I:
New Audit Committee Playbook
Jennifer F. Burke,
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.

AUDIT + Risk Breakout II:

Audit + RISK Breakout III:
BOLI in a Compliance World
Todd Andritsch,
Managing Consultant, Equias Alliance
BOLI has become a best practice in the banking industry.  In this session, we will explore how to maintain compliance in the pre-purchase and ongoing administration of a BOLI program and discuss the impact of recent regulatory changes (Dodd Frank, Basel III, etc.).

9:55 a.m. – 10:15 a.m.
Refreshment Break

10:15 a.m. – 11:05 a.m.
Topic Breakouts (select one)
Choose from one of the following breakout sessions below.  Please note breakout sessions may have either a Risk focus or an Audit focus.

Audit + Risk breakout I:
Grooming Your Next Board Members:  Who Should Sit On Audit & Risk Committees And What Do They Look Like?

Joe O’Dowd, Audit Committee Chairman, Lakeland Bank
Lindsey Torbett, Audit Committee Chairman, Red River Bank
Moderated by:  Naomi Snyder, Managing Editor, Bank Director magazine
As committees of the board, audit and risk committee members must carry out specific duties within the framework of an institution’s governance principles and industry practices.  So who should serve on each committee, why and what experience positions them to immediately contribute? 

RISK breakout II:
Risks Surrounding New Products & Services and Third Party Vendors

John M. Geiringer,
Regulatory Section Leader, Barack Ferrazzano Kirschbaum & Nagelberg LLP
Patrick Warren, Partner, Crowe Horwath LLP 

Audit + Risk breakout III:
How To Select, And What To Expect From Your Advisors
Cindy M. Fornelli,
Executive Director, The Center for Audit Quality 
All financial institutions must hire an outside CPA firm to audit their financial statements as well as the accounting information system and controls that affect those statements.  The relationship between the bank and the external consultant can be mutually beneficial – this session shows you how.

11:10 a.m. – 12:00 p.m.
When An Investigation Opens…
Kenneth R. Jones,
Director – Fraud Risk Management, KPMG LLP
Brian C. McCormally, Partner, Arnold & Porter LLP
Ronald E. Plesco, Jr., National Lead – Cyber Investigations, Intelligence & Analytics, KPMG LLP
The high profile cyber hacks of Neiman Marcus and Target have recently been in the news.  But these aren’t the only high-profile corporate scandals that bankers can learn from.  Many business leaders are increasingly aware of the need to create company-specific anti-fraud measures to address internal corporate fraud and misconduct – and this final session looks at opening an investigation from the board’s point-of-view. 

12:00 p.m. – 12:05 p.m.
Closing Remarks
Jack Milligan,
 Editor, Bank Director magazine