Four Seasons Resort and Club Las Colinas
May 23 – 24, 2016

5:30 p.m. – 6:30 p.m.
Welcoming Cocktail Reception
This two-day program encourages conversation, inspiration and transformation — and this welcoming reception is the first chance for participants to meet and mingle with executives and key leadership teams from various parts of the financial industry from all over across the country.

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

8:00 a.m. – 8:05 a.m.
Al Dominick
, President & CEO, Bank Director

8:05 a.m. – 9:05 a.m.
At the Core of Innovation
Steve Powless,
CEO, Computer Services, Inc.
Eric Jones, SVP, Product Management, Bank Solutions, Fiserv
Mario Garcia, Chief Experience Officer, Nymbus, Inc.
For community banks, multinational financial institutions and nontraditional banking organizations, knowing what your core IT provider is working on is essential when thinking about how to grow your business — and the presentations made here highlight what’s coming in terms of financial services technology solutions.

9:05 a.m. – 9:40 a.m.
The Drive For Cost Efficiencies
Steven D. Hovde, President & CEO, Hovde Group, LLC
There is a huge push towards cost efficiencies.  Regardless of size, we are seeing banks explore opportunities to utilize new technologies to improve efficiencies and profitability.  As new data companies begin to emerge, this is an area where banks of all sizes should be comfortable getting involved.

9:40 a.m. – 10:25 a.m.
How Do You Build/Grow a Business… Through Smart Branching Decisions
Dan Armstrong, Chief Digital Officer, BankMobile, a division of Customers Bank
Brian Read, Executive Vice President, Retail Banking, Umpqua Holdings Corp. and Umpqua Bank
Moderated by: Al Dominick, President & CEO, Bank Director
Are you generating sufficient revenue from the loan, deposit and fee activity at your branches?  As technology continues to evolve, to branch or not to branch is today’s question.  While many banks are focusing on becoming more efficient to increase profitability, are financial institutions looking for efficiency gains and cost savings in the wrong places?

10:30 a.m. – 10:50 a.m.
What’s Working
The first set in a series of case studies, these brief “What’s Working” presentations provide a window into how successful partnerships between banks and fintechs drive growth and business success. These short presentations highlight who they are, what they do, how it helps a bank to grow and includes some of their clients.

Case Study: Evolution of Integrating Sales & Marketing for Organic Growth & Customer Loyalty
Julie Hamrick,
Founder & Chief Analyst, Ignite Sales, Inc.
Daniel H. Westhues
, Senior Vice President, Marketing & Retail Banking, Central Bancompany
Marketing and Retail Head, Dan Westhues, for a 13 bank holding company in the Midwest will present the latest technology and marketing he is using to drive growth and loyalty in the 13 banks.

Case Study: User Experience Design: Why It Matters (Or Should) to Banks
Mario Garcia
, Chief Experience Officer, Nymbus, Inc.
This presentation explains the important role good user experience design can play for banks in not only retaining and attracting a constantly evolving and digital audience, but also helping increase employee productivity with more engaging banking applications and new technology designed to help you serve customers better.

10:50 a.m. – 11:10 a.m.
Refreshment Break + Exhibit Time
Sponsored by: Fiserv

11:10 a.m. – 11:55 a.m.
Breakout Sessions (select one)
The following breakout sessions build on this morning’s general session presentations, each focused on various issues and ideas relevant to this audience of fintech founders and management teams, bank executives and board members and industry advisors and investors.

Breakout I: Putting Capital to Work
Aaron P. Graft, Founder, Vice Chairman & CEO, Triumph Savings Bank
Brian Johnson, Managing Director, Commerce Street Capital, LLC
Does your bank have sufficient capital to meet your strategic goals over the next three to five years, and what is the best way to put it to work? Do you buy another bank? Do you buy branches? In this session, we take a look at various strategies available to a bank’s officers and directors.

Breakout II: Getting the Innovators Onto Your Team
Gayle Appelbaum, Principal, McLagan
David B. Becker, CEO, First Internet Bank of Indiana
Katrina Gerenz, Principal, McLagan
The current focus for banks, in particular, must be on the need to innovate or risk becoming stagnant and losing the ability to compete for exceptional talent. Do you have the right people in areas of complexities? How can you attract technology talent for community bankers? How can banks collaborate with fintech companies to shore up areas that they may not be particularly experienced in? How can fintech start-ups gain bank insight on their boards and teams?

12:00 p.m. – 1:00 p.m.
Networking + Peer Lunch
During this interactive peer lunch, participants have the opportunity to select a topic of their choice to hear more from presenting fintech companies and industry leaders. Areas of interest include: Mobile, Lending, Branch Strategies, Fintech, M&A, Talent, Data and Capital Management.

1:00 p.m. – 1:35 p.m.
How Do You Build/Grow a Business… By Growing Loyalty
Joe Bartolotta, EVP/Strategic Partnerships, Eastern Bank
You’re a community bank and your customers love you, right? So why do bankers worry that customers — and deposits — will flee to high-yield online accounts when rates rise? Or maybe it’s the possibility of disruptive technologies that has so many bankers nervous. In this session, we’ll discuss activities that undermine customer loyalty, thereby exposing themselves to startups and other banks who could threaten their bottom line.

1:40 p.m. – 2:00 p.m.
What’s Working
During this second set of case studies, hear how successful partnerships between banks and fintech companies drive growth and business success.

Case Study: Re-imagining Real Estate for Banks
Mark Edwards, Senior Vice President of Sales, HomeStory, by Vast
HomeStory, the new private label home shopping search experience, engages your customers and drives them to bank products. Add HomeStory’s unique customer experience to your site to provide buyers with cash rewards and dramatically increase bank mortgage origination pull-through and client NPS. HomeStory’s patented discovery engine, big data analytics, managed concierge agent selection service and nationwide MLS listing coverage seamlessly plugs into the bank’s website and mobile platform to receive immediate results.

Case Study: Disrupting the Disruptors
Tom White, Founder & CEO, iQuantifi Inc.
Customer demands in financial services are quickly changing and traditional financial institutions must quickly adapt or become extinct. In this session we will look at how customer wants are changing, what traditional financial institutions can do to address these changes and how innovations in fintech create as much of an opportunity as they do a threat to the traditional financial institution.

2:05 p.m. – 2:40 p.m.
How Do You Build/Grow Your Business… Through Partnerships
Andrew Deringer, Vice President, Head of Institutional Investors, Lending Club
Brian Graham, CEO, Alliance Partners
Many community bankers are watching the rapid growth of the financial technology sector and asking themselves whether this is the perfect opportunity to grow their bank’s offering through partnerships, or if this sector represents a fundamental threat to their business model. In this session, we look at how banks who believe the fintech sector represents a growth opportunity have collaborated to team up with online marketplaces, in order to expand the products and services that they offer to their customers.

2:45 p.m. – 3:05 p.m.
What’s Working
During this third set of case studies, these “What’s Working” presentations continue to highlight emerging technologies and creative banking plans that differentiate one’s position in the market.

Case Study: Empowering The Modern Lender Through Efficient, Data-Driven Mortgages
Nima Ghamsari
, CEO & Co-Founder, Blend
Blend will show how its technology has digitized the mortgage originations process and enabled lenders across the country to drive down costs, increase compliance, and offer their borrowers an elegant user experience from any one of their devices.

Case Study: Digitally Savvy Banks Making Better Connections with Customers
Dave DeFazio
, Partner, StrategyCorps
Michele Stevens, Senior Vice President, First Financial Bankshares, Inc.
When First Financial Bank, based in Abilene, Texas and one of the top performing banks in the country, set out to optimize their product lineup, they also launched new ways to go beyond transactions to connect better with customers’ mobile lifestyles. And by utilizing analysis tools to understand customer relationships, they were able to protect their best customers and improve relationships with single product households.

3:05 p.m. – 3:25 p.m.
Refreshment Break + Exhibit Time

3:25 p.m. – 4:10 p.m.
Breakout Sessions (select one)
This series of breakout sessions examines where banks can look for loan growth – be it on their own or through a referral-type partnership.

Breakout I: Decoding Small Business Alternative Lenders: What Financial Institutions Should Know
Patricia North, SVP, Digital Solutions Sales and Implementation, Eastern Labs at Eastern Bank
This session is an abbreviated analysis of this highly competitive space and how banks can take action to retain their customers with a compelling and rivalrous offering.

Breakout II: The Future for Lending
Scott Morgan, VP Delivery & Client Success, PrecisionLender
Technology is dramatically changing the way banks are lending money, as it is transforming marketing opportunities, strengthening underwriting processes and even allowing new entrants to the competitive landscape. The biggest change, though, is in customer expectations. How can banks navigate this new environment and learn to serve their customers both better and faster?

Breakout III: What’s Next for Mobile Banking?
Dave DeFazio, Partner, StrategyCorps
The question remains the same, but the answers are constantly evolving. In this session, we will look at the newest mobile banking features being implemented by top performing financial institutions that go beyond basic transactions to help them connect better with their customers. We’ll study the mobile habits of today’s consumers and learn how the best retailers have adjusted their strategies to capitalize. This will be an entertaining and interactive session with mobile app demonstrations, customer research videos and industry case studies.

4:25 p.m. – 5:10 p.m.
Collaboration vs. Competition: A Point/Counterpoint Debate
Jill Castilla, President & CEO, Citizens Bank of Edmond
Steve Hufford, Managing Director, Investment Banking, Raymond James & Associates, Inc.
Thomas Jankovich, Principal & Innovation Leader, US Financial Services Practice, Deloitte Consulting LLP
Jay Tuli, Senior Vice President, Corporate Development, Leader Bank, National Association
Moderated by: Al Dominick, President & CEO, Bank Director
With all of these changes in competition and technology and the shifts in customer behavior and regulation, does the potential havoc wrecked on one’s business trump the growth possibilities?  In this final session, the point/counterpoint debate, we invite the perspectives of bankers, fintech executives and investors to share their views on a number of statements specific to the future of banking.

5:10 p.m. – 5:15 p.m.
Closing Remarks
Al Dominick
, President & CEO, Bank Director

5:15 p.m. – 6:15 p.m.
Networking Cocktail Reception 

7:00 a.m. – 8:00 a.m.

8:00 a.m. – 8:15 a.m.
Ranking Banking
Al Dominick,
President & CEO, Bank Director
Throughout the year, Bank Director’s research and editorial teams canvas the industry to identify emerging issues and standout performers. To open the day, we shine a light on the top performing banks “doing it right” in terms of branch design, mobile offerings and social media effectiveness.

8:20 a.m. – 8:40 a.m.
What’s Working
This morning’s case studies follow the format of day one’s and allow all participants to better understand the dynamics that exist between fintech companies and growth-focused banks.  

Case Study:  Launching A Profitable Tech-Enabled Small Business Lending Program
Robert Bethge, SVP Operations and Marketing, Mirador Financial, Inc.
By introducing a web-based loan application with digital document collection, a traditional financial institution can now compete with the emerging online marketplace lenders.  Rapid pre-approvals provide a delightful borrower experience reducing customer attrition and a digital workflow allows small dollar loans to be profitable.

Case Study: Innovation Through Collaboration
Christine Hartman, EVP, Director of Deposit Strategy and Treasury Management, CNLBank
Rob MacMahon, EVP Business Development & Channel Management, CheckAlt
A fundamental shift has occurred in both consumers and businesses when it comes to how, when and where they conduct their banking and what they expect from their bank regarding technology solutions.  In this case study, you’ll see how Valley National Bank partnered with fintech leader, CheckAlt, and collaborated on the evolution of a Treasury Management Remittance Solution, which has hepled the bank expand business banking relationships, grow non-interest DDA balances and increase fee income.

8:45 a.m. – 9:20 a.m.
Innovation Is More Than the Next Big Idea
JP Nicols,
President & COO, Innosect
For the past few years, we’ve seen how forward-thinking banks have successfully differentiated themselves through experimentation and partnerships with fintech companies.  As you will see in this presentation, organizations that are innovation leaders treat ideas like assets – they actively acquire them, protect them, grow them, manage them in a portfolio to optimize risk and return and monetize them.

9:25 a.m. – 9:45 a.m.
What’s Working
During this final set of case studies, these eight minute presentations include Q&A along with demos that show what’s really working in the financial community today.

Case Study: How nCino is Moving Banks to the Cloud and Pushing Back Against Alternative Lenders
Josh Glover, SVP Community & Regional Financial Institutions, nCino, Inc.
nCino is transforming the financial services industry through innovation, reputation and speed. With its Bank Operating System, which leverages the power and security of the Salesforce platform, nCino is enabling financial institutions of all sizes to expand market share, adapt to meet regulatory compliance, drive profitability and optimize operational transparency. With nCino’s technology, institutions such as $3.2 billion-asset Univest Bank & Trust can now compete more effectively against alternative lenders, while still remaining compliant. This case study will showcase some of the dramatic efficiency improvements Univest has experienced since implementing nCino, including shortened loan approval times, decreased underwriting costs and streamlined lending practices.

Case Study: Creating Engagement & Advocacy Along the Customer’s Financial Journey
Shawn Ward, CEO & Co-Founder, Geezeo
Life and money are inextricably linked and financial institutions want to develop stickier relationships along a consumer journey. With this in mind, Geezeo’s products enable financial institutions to dive into their retail and commercial banking data to proactively engage and market to consumers while helping them meet life’s variety of financial challenges and milestones.

9:50 a.m. – 10:25 a.m.
How Do You Build Your Business/Grow… Through Acquisitions
John K. Freechack, Principal, Piper Jaffray & Co.
Steven P. Kent, Managing Director & Vice Chairman, Piper Jaffray & Co.
Many bankers believe M&A will be one of the biggest revenue drivers over the next few years.  With banks looking to make acquisitions — to increase earnings per share, to supplement organic growth and to allow them to expand geographically — this session looks at the potential targets, a pool that includes banks and non-banks alike.

10:25 a.m. – 10:45 a.m.
Refreshment Break + Exhibit Time

10:45 a.m. – 11:15 a.m.
The Top Legal Issues Facing The Financial Industry
Jonathan Hightower, Partner, Bryan Cave LLP
James J. McAlpin Jr., Partner, Bryan Cave LLP
In recent years, the cloud of regulatory uncertainty that has been cast by Washington has impacted the bottom lines of many institutions. In this session, we identify the major legal issues that have the potential to impact one’s growth plans in similar ways.

11:15 a.m. – 11:45 a.m.
Using Risk Management Strategies to Increase Your Bottom Line
Lynn M. McGuire
, Partner, Crowe Horwath LLP
Joshua C. Miller, CEO, The KeyState Companies
Bankers know that not all enterprise risk is addressed with their commercial insurance package. Emerging risks such as cyber security and reputation risk create significant exposures for banks of all sizes. At the same time, commercial insurance carriers are pushing banks to higher deductibles, and there remain significant gaps in coverage and exclusions in commercial insurance policies. This creates unfunded risks which must be evaluated as a part of any bank’s enterprise risk management process. A growing number of banks throughout the country are forming captive insurance companies to cover these unfunded risks. When structured properly, the formation of a captive by a bank holding company can result in a permanent increase to earnings per share of up to 5%. This session will provide an overview of captives and the types of risks they can insure. The session will also address the IRC §831(b) election that permits certain small insurance companies to be taxed only on investment income.

11:45 a.m. – 12:00 p.m.
Practical Next Steps for Making These Last Two Days Work
Al Dominick, President & CEO, Bank Director
The biggest banks have their own incubators and “bank-of-the-future” visions; for most everyone else, a real challenge is how to be forward facing and ready for change rather than simply waiting for things to trickle down. Regional banks need to overcome various gaps and limitations when it comes to leveraging technology, and these final remarks provide practical “next steps” for those executives looking to build their businesses by investing time and efforts to help fintech companies accelerate the size and scale of their companies.

For more information about this event, please email or call our events department at [email protected] or (877) 397-7595.