JW Marriott Phoenix Desert Ridge
January 28 – 30, 2024

Day 1

| Sunday, January 29
01/29/23 7:45 am – 7:50 am Grand Saguaro Ballroom

Looking Ahead

Michelle King, President, Bank Director

Laura Schield, Chief Operating Officer, Bank Director

Bank Director welcomes business leaders from across the United States to our 29th annual Acquire or Be Acquired Conference. To open the conference, we share what we are hearing about staying relevant and competitive.

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01/29/23 7:50 am – 8:35 am Grand Saguaro Ballroom

2023 State of the Industry – The Evolving Dynamics of Banking

Tom Michaud, President & CEO, Keefe, Bruyette & Woods, A Stifel Company

KBW’s CEO, Tom Michaud, sets the stage for the conference as he defines where the industry is today and what forces shape its future in 2023 and beyond.

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01/29/23 8:35 am – 9:15 am Grand Saguaro Ballroom

Don’t Stop Thinking About Tomorrow

Gene Ludwig, Managing Partner, Canapi Ventures

David Sandler, Co-Head & Managing Director, Investment Banking Financial Services Group, Piper Sandler & Co.

Steve Williams, President & Partner, Cornerstone Advisors, Inc.

Jim McAlpin, Board Member, Bank Director

This panel session explores growth options with an eye towards emerging trends and opportunities. While banks were once described as slow and unable to innovate, the last few years have shown the opposite to be the case. As performance expectations continue to shift, we look at macro level trends with an eye on taking advantage of them.

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01/29/23 9:35 am – 10:15 am Grand Canyon 8

Breakout VI: 2030 Vision: The Journey to a Networked Future

Britney Pope, Area Vice President – Strategic Solutions, nCino

Today, expectations for financial services are being redefined in real time. In our fast-paced, digitally connected world, financial institutions across the globe are preparing to meet the evolving needs of both customers and bankers, whenever they want and wherever they are. In this session, nCino analyzes the past, present and future of fintech and examines how institutions are transitioning from the closed technologies of yesterday to the networked future of tomorrow.

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01/29/23 9:35 am – 10:15 am Grand Canyon 9-13

Breakout VII: How Can Banks Prepare for the Rocky Road Ahead?

Matt Pieniazek, President & CEO, Darling Consulting Group

Jim Reuter, Chief Executive Officer, FirstBank

Roy Young, SVP and Head of Mid Cap & Community Banking, U.S. Bank National Association

Rob Blackwell, Chief Content Officer & Head of External Affairs, IntraFi

Join IntraFi’s Rob Blackwell as he talks to a balance sheet management expert and bank executives about how bankers can prepare for any eventuality. Topics include the economic and regulatory outlook as well as what’s happening in real-time on Main Street.

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01/29/23 9:35 am – 10:15 am Grand Sonoran A-D

Breakout V: Embracing Your Competitive Edge by Bringing Your Digital Transformation Strategy to Life

John Behringer, Partner, Risk Consulting, RSM US LLP

Bill McDonald, Chief Executive Officer, The Greenwood’s State Bank

New and innovative technologies that can remove obstacles impacting your bank’s bottom line are being developed and rolled out faster than we’ve ever seen. But where do you start? Does your organization use manual processes that are inefficient, prone to error or drain valuable resource hours that can be deployed more effectively elsewhere? Join this session to learn how banks can leverage digital transformation and automation to streamline internal processes, improve customer experience and identify key opportunities to propel your bank forward.

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01/29/23 9:35 am – 10:15 am Grand Sonoran E

Breakout IV: Growing Your Bank Through Fintech Sponsorship Revenue

Brittany Decker, Head of BIN Sponsorship, Visa

An increasing number of financial institutions are evaluating their performance pre and post COVID, looking for new opportunities to diversify their revenue. Did you know banks working through Fintech Sponsorship Programs can create direct access to additional payments through their existing products? Join Visa, Inc. as we discuss the opportunities available to your institution.

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01/29/23 9:35 am – 10:15 am Grand Sonoran F

Breakout III: How Banks Should Make the Decision to Buy or Sell

Josh McNulty, Partner, Hunton Andrews Kurth LLP

Beth Whitaker, Partner, Hunton Andrews Kurth LLP

Decisions made even before bankers engage with the other side foretell the likelihood for success. This session discusses various considerations for the boards of both sellers and buyers in order to play the negotiating game in the most effective manner.

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01/29/23 9:35 am – 10:15 am Grand Sonoran G

Breakout II: The Impact of AOCI on Capital Planning, Bank Equity Valuations and M&A

Craig Mancinotti, Senior Managing Director, Hovde Group, LLC

Rick Maroney, Senior Managing Director, Hovde Group, LLC

The massive increase in unrealized bond losses during 2022 has the industry in uncharted waters, leaving management teams, boards of directors, regulators, investment bankers and investors scrambling to understand the implications on capital, liquidity, valuations and M&A. This session explores the impact of AOCI on equity valuations and whether banks should consider preemptive capital raises or reconsider share repurchase programs. The session also evaluates how AOCI distorts M&A pricing and addresses the question of whether to pursue deals or sit on the sidelines until the dust settles.

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01/29/23 9:35 am – 10:15 am Grand Sonoran H-K

Breakout I: What The Board Needs To Know In 2023

Rob Fleetwood, Partner, Barack Ferrazzano Kirschbaum & Nagelberg LLP

Al Laufenberg, Managing Director, Keefe, Bruyette & Woods, A Stifel Company

This breakout session continues the “Need to Know” series that has consistently been a popular highlight at this conference for many years. Gain practical insight on what CEOs and directors need to know in 2023 and beyond.

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01/29/23 10:30 am – 11:10 am Grand Saguaro Ballroom

Making Great Acquisitions

Rob Klingler, Partner, Nelson Mullins Riley & Scarborough LLP

John Roddy, Head of Financial Services Investment Banking, Raymond James Financial, Inc.

Matt Veneri, Head of Investment Banking and Managing Director, Financial Institutions Group, Janney Montgomery Scott LLC

Emily McCormick, Vice President of Editorial & Research, Bank Director

This panel is all about types of bank acquisitions: banks buying non-banks, credit unions buying banks, banks buying specialty lines of business, fintechs buying fintechs, traditional cores buying tech companies, among others. Hear what makes these deals great.

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01/29/23 10:30 am – 11:05 am Grand Canyon 8

Growth Strategies Through Fintech Relationships

Clayton Mitchell, Managing Principal, Crowe LLP

Abdul Mitha, Partner, Barack Ferrazzano Kirschbaum & Nagelberg LLP

Derik Sutton, Chief Marketing Officer, Autobooks

Michelle King, President, Bank Director

Fintech strategies can provide new avenues for growth for community and regional banks — and that has some banks considering options that fall outside traditional growth. This session focuses on the legal, compliance and strategic considerations of partnering with, investing in and acquiring fintech companies.

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01/29/23 11:10 am – 11:50 am Grand Saguaro Ballroom

Strategic Opportunities Your Bank Should Consider

Robert Azarow, Partner, Arnold & Porter

Eric Corrigan, Senior Managing Director, Commerce Street Capital, LLC

Mandi Simpson, Partner, Crowe LLP

Al Dominick, Board Member, Bank Director

As the financial industry continues to evolve, some banks not looking for M&A are uncovering new business lines and other ways to enhance their operations. These may include more traditional avenues like introducing new loan products, portfolio acquisition and reimagining your branches, to more recent trends such as banking-as-as-service, digital assets and BNPL, among others. Hear this panel of experts share opportunities your bank should consider as you develop next year’s strategic plan.

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01/29/23 11:15 am – 11:50 am Grand Canyon 8

A Deep Dive on Digital Assets and Cryptocurrency

Brandon Koeser, Director, Risk Consulting, RSM US LLP

Richard Levin, Chair – Fintech & Regulation Practice, Nelson Mullins Riley & Scarborough LLP

Adam Waite, Managing Director, Technology Investment Banking Group, D.A. Davidson & Co.

Kiah Lau Haslett, Banking & Fintech Editor, Bank Director

This session explains digital assets and what these mean to the banks in the audience – both in terms of opportunities and challenges.

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01/29/23 12:15 pm – 12:55 pm Grand Canyon 9-13

Lunch & Learn Session VI: Achieve More Value from Your Planning Process by Linking Vision, Strategy and Execution

Ken Levey, Managing Director, Empyrean Solutions, LLC

Bryan Ridgway, Director, Performance Management, Empyrean Solutions, LLC

For many financial institutions, the strategic planning and budgeting processes have turned purely into a financial forecasting exercise, projecting growth, earnings and performance indicators based on a set of best-guess assumptions. By combining strategic and tactical planning approaches, financial institutions can better align the organization’s operational, financial and strategic plans with the overall vision of the organization.

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01/29/23 12:15 pm – 12:55 pm Grand Sonoran A-D

Lunch & Learn Session V: Sharing in the Dream: How to Create and Capture Wealth for Executives in an M&A Event

Heather Eastep, Partner, Hunton Andrews Kurth LLP

Brian Marek, Partner, Hunton Andrews Kurth LLP

There are many alternatives to consider when designing compensatory arrangements (including severance, change-in-control, bonus and equity awards agreements). To that end, this session covers: how to identify the right key employees; things to consider before a change-in-control transaction is imminent; the shareholders’ perspective, including the impact of equity on dilution; the attractiveness to the buyer of certain pay structures; and designing plans that maximize the amounts paid to executives.

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01/29/23 12:15 pm – 12:55 pm Grand Sonoran E

Lunch & Learn Session IV: Managing Capital and Profitability Through a Recession

Mac Thompson, President & Founder, White Clay

It has been a while since our industry has managed through a recession. During this session, we discuss changes in capital allocation, loan pricing and profitability management during a financial downturn. We also discuss key aspects of what community banks will need to do differently to optimize capital and come out with a stronger position as the economy returns to growth.

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01/29/23 12:15 pm – 12:55 pm Grand Sonoran G

Lunch & Learn Session II: M&A Integration: It’s More Than a System Conversion

Mikelle Brady, Partner, Profit Resources Inc.

Mike Holt, Partner, Profit Resources Inc.

Is there a chance that your playbook is missing a key component? Even the most experienced acquirers don’t know what they don’t know. Once your merger or acquisition receives that stamp of approval, how can you ensure that the two merging banks are fully integrated efficiently and with the fewest hiccups? This session covers tips for managing an integration effort including vendor partner review, setting process, establishing a governance structure and system conversion. We review tactics for completing a thorough gap analysis in all areas of the bank, what areas are worth extra focus and how to build and maintain a positive culture.

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01/29/23 12:15 pm – 12:55 pm Grand Sonoran H-K

Lunch & Learn Session I: Navigating the Dynamic Shifts in Bank Board and Executive Leadership

Julie Bell, Leadership Advisory, Chartwell Partners

Scott Petty, Managing Partner, Chartwell Partners

With CEO retirement and talent volatility at an all-time high, is your bank proactively seeking leaders and board members with the abilities required for long-term success? In this session, we discuss the key skill sets needed in the board and C-Suite to thrive and remain independent. Participants receive Chartwell’s proprietary board skills matrix and succession planning model.

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01/29/23 12:15 pm – 12:55 pm Grand Sonoran F

Lunch & Learn Session III: Leveraging International Payment & Foreign Exchange (FX) Capabilities to Drive Growth

Tom Loffredio, Head of Business Development, Derivative Path, Inc.

Simon Pekarsky, Vice President, Transaction Banking, Goldman Sachs Bank USA

76% of companies that import or export have less than 20 employees. You are banking these small businesses today. When have you last considered how to best serve them? Come learn how banks can take control of their international payment and FX activities, enhance the customer experience, and create new sources of revenue.

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01/29/23 1:05 pm – 1:20 pm Grand Saguaro Ballroom

Editorial Highlight

Naomi Snyder, Editor-in-Chief, Bank Director

Hear from Bank Director’s Editor-in-Chief as she shares the most significant developments and stories we have been writing about.

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01/29/23 1:05 pm – 1:40 pm Grand Canyon 8

A Deep Dive on Open Banking

Peter Glyman, Managing Director, Corporate Strategy, Jack Henry & Associates, Inc.

Daniel Haisley, EVP of Innovation, Apiture

Kendall Rountree, Director, Mastercard Open Banking, Mastercard Inc.

Al Dominick, Board Member, Bank Director

Open banking connects banks, third-parties and technology providers allowing for a simple and secure exchange of data to provide customers with a more seamless banking experience. During this FinXTech Session, a panel of industry leaders discusses the impact of open APIs for banks today and why a bank should consider open banking as part of their tech and growth strategy.

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01/29/23 1:20 pm – 2:00 pm Grand Saguaro Ballroom

Community Bank Market Value – How is it Determined, and How is it Changing?

Curtis Carpenter, Senior Managing Director, Hovde Group, LLC

What are the primary factors affecting bank value in today’s market? How do the recent changes in market conditions impact the way buyers value a target bank? In this session, we discuss the primary drivers of value as we enter 2023 and look to where community banking is heading.

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01/29/23 2:15 pm – 2:55 pm Grand Canyon 8

Breakout VI: The Year of Omnichannel: Why This Banking Trend Is Table Stakes for Financial Institutions in 2023

Dennis Devine, President & CEO, Alliant Credit Union

Frank Sorrentino, Chair of the Board & CEO, ConnectOne Bank

Nathaniel Harley, CEO & Co-Founder, MANTL

ConnectOne Bank and Alliant Credit Union are two of the most innovative financial institutions in America. They’ve both embraced omnichannel technology as a competitive advantage, building strategic partnerships to drive operational efficiency and achieve explosive growth. Join MANTL in conversation with ConnectOne and Alliant as they discuss why an omnichannel strategy is more urgent than ever — and how forward-thinking institutions can capitalize on this emerging trend in 2023 and beyond.

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01/29/23 2:15 pm – 2:55 pm Grand Canyon 9-13

Breakout VII: The Employee Retention Credit

Carson Lappetito, President, Sunwest Bank

Howard Makler, Founder & CEO, Innovation Refunds

The ERC is an overlooked payroll tax rebate born out of the CARES Act to help small and mid-sized businesses through the Covid pandemic. These businesses are eligible to receive up to $26,000 per W2 employee as a payroll tax refund. Rules have changed recently, now allowing businesses who received PPP to also claim and qualify for the ERC. Attend this session to learn more!

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01/29/23 2:15 pm – 2:55 pm Grand Sonoran A-D

Breakout V: Accounting & Auditing Issues: What Banks Should Know

Lyle Alexander, Partner, NW Regional Industry Leader, FORVIS

Debbie Scanlon, Partner, SW Regional Industry Leader, FORVIS

This session shares updates on top accounting and auditing matters specific to the banking industry.

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01/29/23 2:15 pm – 2:55 pm Grand Sonoran E

Breakout IV: 7 Habits of Highly Effective Capital Allocators

Gary Svec, Managing Director, Investment Banking, Performance Trust Capital Partners, LLC

What are the 7 ways to avoid the biggest blunders in banking? Year by year, we’ve been seeing seemingly small shifts in shareholder dynamics, capital strategies, asset allocation, deposit mix, competition, technology, etc. But when looking back over the last three decades, the cumulative consequences are catastrophic. This session looks closely at 7 characteristics of the most successful management teams as they have navigated these changes and acted upon opportunities (and avoided the wrong ones) for superior results. We also show how to find strategies to effectively manage and allocate capital given ever-changing market dynamics, volatility and uncertainty.

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01/29/23 2:15 pm – 2:55 pm Grand Sonoran F

Breakout III: How to Implement an Effective Data Intelligence Strategy

Daniel Haisley, EVP of Innovation, Apiture

Your financial institution has access to a plethora of data, but are you maximizing its value? In this session, Apiture’s EVP of Innovation Daniel Haisley discusses how you can close the expertise and tool gaps that may be holding you back from fully leveraging the data available to you today.

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01/29/23 2:15 pm – 2:55 pm Grand Sonoran G

Breakout II: Critical Strategies to Retain Talent During M&A

Laura Hay, Partner, Meridian Compensation Partners, LLC

Proactively planning and executing retention strategies before, during and after M&A is critical to a deal’s success. This session provides a checklist of the processes, actions and specific compensation strategies each bank needs to have in its “tool kit” to avoid talent disruption during a transaction and ensure successful outcomes.

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01/29/23 2:15 pm – 2:55 pm Grand Sonoran H-K

Breakout I: Successful Approaches for Strategic Growth

Adam Maier, Partner, Stinson LLP

Jeff Newgard, President & CEO, Bank of Idaho

In this panel discussion, Adam Maier and Jeff Newgard share success strategies as they discuss the story of how an M&A transaction can come together with everyone’s interests and goals met. Their story provides an example of how all parties used existing relationships to build new opportunities through a capital raise to successfully complete the M&A transaction.

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01/29/23 3:15 pm – 3:55 pm Grand Sonoran H-K

Breakout I: Evaluating Your Small Business Banking Health

Derik Sutton, Chief Marketing Officer, Autobooks

Small business has become big business and represents an estimated $400 billion opportunity. Until recently, this market was expensive to reach and serve. But a growing number of institutions have been following the path of disruptors like Square and PayPal — rethinking their strategy to better serve this lucrative segment. Learn about the evolution of the small business market and come away with a plan to prepare your bank for long-term success.

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01/29/23 3:15 pm – 3:55 pm Grand Sonoran G

Breakout II: The Future of Community and Regional Banking

Jill Cetina, Associate Managing Director, Financial Institutional Group, Moody’s Investors Service, Inc.

Rita Sahu, VP, Senior Credit Officer, Financial Institutions Group, Moody’s Investors Service, Inc.

Moody’s provides their outlook on the community and regional banking sector, including the impact of interest rates, inflation and recession risks. Other forces shaping the sector including developments in cyber risk and technology-enabled disruption are also part of the discussion.

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01/29/23 3:15 pm – 3:55 pm Grand Sonoran F

Breakout III: Case Study: Building and Scaling a Cannabis Line of Business

Mike Kennedy, Co-Founder & Chief Strategy Officer, Green Check Verified

Frank Smith, SVP, Deposit Operations Administrator, Republic Bank of Arizona

Green Check’s Chief Strategy Officer invites the leader of one of the fastest growing, most innovative cannabis banking programs in the U.S. to provide an inside look at how they navigated building and scaling this exciting, niche line of business.

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01/29/23 3:15 pm – 3:55 pm Grand Sonoran E

Breakout IV: Addressing Deal Certainty in Uncertain Times

Scott Brown, Partner, Luse Gorman, PC

Larry Spaccasi, Partner, Luse Gorman, PC

This session focuses on the current regulatory climate with regard to M&A with an emphasis on changing regulatory standards for approval of transactions, hot button issues and potential regulatory threats to the successful and timely completion of a transaction. We also discuss the growing trend of non-traditional buyers (such as credit unions and investor groups) and the unique regulatory and diligence issues they raise. The session also provides examples of merger agreement provisions that can (and should) be considered when engaging with these non-traditional purchasers to better protect the seller. With the increased regulatory scrutiny of merger transactions, we also discuss ways to optimize the diligence process, including how to balance a party’s need to ascertain an entity’s regulatory standing while continuing to fulfill its obligations about the treatment of confidential supervisory information.

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01/29/23 3:15 pm – 3:55 pm Grand Sonoran A-D

Breakout V: How Top Banks Unlocked Efficiencies to Drive Loan Growth

Keith Cleary, Director of Business Banking, ESL Federal Credit Union

Andy Powell, EVP, Chief Lending Officer, Republic Bank & Trust Company

Bryan Peckinpaugh, SVP of Key Accounts, Baker Hill Solutions, LLC.

In this panel discussion, hear from bankers at leading financial institutions as they discuss proven strategies for driving efficiencies in commercial lending. This panel of experienced bankers and lending experts reveals best practices for establishing effective commercial loan origination processes and considerations when identifying new commercial lending opportunities, including how to evaluate and adjust credit policies in the current economic environment and more.

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01/29/23 3:15 pm – 3:55 pm Grand Canyon 8

Breakout VI: The Untapped Big Revenue Opportunity: Winning the Battle for Business Deposits

Taylor Cembalisty, General Manager, Narmi Inc.

Nikhil Lakhanpal, Co-Founder, Narmi Inc.

Chris Tremont, Chief Digital Officer, Grasshopper Bank

With the battle for business deposits becoming increasingly more competitive, banks need to offer better tools to serve business needs or else lose business to alternative options. The challenge: how do you provide a first-class digital experience while also ensuring KYC and KYB compliance requirements are met? Join Narmi as we dive into the strategies to win business relationships in a digital-first way.

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01/29/23 3:15 pm – 3:45 pm Grand Canyon 9-13

Breakout VII: Would Customers Hug Your Bank?: Design & Build a Cost-Savvy Digital Transformation to Thrill Your Customers

John Kraper, Director, PwC

Musi Qureshi, Partner, PwC

Customer-centric banks are the product of deliberate design, precision building and, given today’s technology costs, enlightened funding ideas. Join PwC as we discuss a holistic approach to digital transformation, tech modernization and the hidden levers that can defray the cost.

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01/29/23 4:05 pm – 4:45 pm Grand Saguaro Ballroom

Competing for Growth in a Rising Rate Environment

Gary Bronstein, Partner, Kilpatrick Townsend & Stockton LLP

Rusty Conner, Partner, Covington & Burling LLP

Frank Sorrentino, Managing Director, Financial Institutions Group, Stephens Inc.

Jack Milligan, Editor-at-Large, Bank Director

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01/29/23 4:05 pm – 4:40 pm Grand Canyon 8

A Deep Dive on Lending

Joe Ehrhardt, CEO & Founder, Teslar Software

Dan O’Malley, CEO & Co-founder, Numerated

Ben Wallace, Chief Executive Officer, Summit Technology Group

Lexie Grindstaff, Vice President of Business Development, Bank Director

The economic environment has radically shifted over the last year. Banks have been buffeted by a rapidly rising rate environment and are facing a potential, correlated increase in credit and interest risk in their books. Time is of the essence as they position themselves to respond opportunistically to grow loans, but also play defense to contain and address risks. The era of low loan rates appears to be over — for now. This, along with an uncertain economy, promises to depress growth prospects for the foreseeable future. This panel discusses how banks can strategize in a stressed environment.

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Day 2

| Monday, January 30
01/30/23 8:00 am – 8:10 am Grand Saguaro Ballroom

The Slant

Emily McCormick, Vice President of Editorial & Research, Bank Director

Naomi Snyder, Editor-in-Chief, Bank Director

Hear from Bank Director as we share the most significant findings from our editorial research, as well as what we have been writing about in our weekly newsletter, The Slant.

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01/30/23 8:10 am – 8:45 am Grand Saguaro Ballroom

RankingBanking Panel

Tom Broughton, President & CEO, ServisFirst Bank

David Findlay, President & CEO, Lake City Bank

Ja Hillebrand, Chair & CEO, Stock Yards Bank & Trust Company

Kara Baldwin, Partner, Crowe LLP

Based on the latest iteration of Bank Director’s RankingBanking study, hear from three banks that topped our list.

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01/30/23 8:15 am – 8:45 am Grand Canyon 8

A Deep Dive on Tech Strategy

Meghan Crawford, President of Institutional Sales, BHG Financial

Heather Eastep, Partner, Hunton Andrews Kurth LLP

David Feaster, Director, Equity Capital Markets, Raymond James Financial, Inc.

Michelle King, President, Bank Director

This session focuses on the importance of marrying bank strategy with technology investment, measuring whether the ROI is worth the investments and being brave enough to take the leap with a new technology.

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01/30/23 8:45 am – 9:25 am Grand Saguaro Ballroom

The New M&A Playbook: Building Winners

Scott Anderson, Head of Investment Banking, Keefe, Bruyette & Woods, A Stifel Company

Joe Berry, Co-Head of Investment Banking, Co-Head of Fintech and Head of Depositories Investment Banking, Keefe, Bruyette & Woods, A Stifel Company

Lynn Harton, President, CEO & Chair, United Community Bank

Matt Kelley, Director of Research, Keefe, Bruyette & Woods, A Stifel Company

Kevin Riley, President & CEO, First Interstate Bank

Jim Ryan, Chief Executive Officer, Old National Bancorp

Scale matters but how can it be created in the right way? Join KBW’s Scott Anderson and Joe Berry as they discuss winning playbooks with prominent bankers that are building successful companies. Is it best to buy small, build transformatively or invest outside of traditional banking? The panelists share their views while the investor perspectives are shared by Matt Kelley, KBW’s Director of Research.

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01/30/23 8:55 am – 9:25 am Grand Canyon 8

A Deep Dive on Customer Experience

Stephen Bohanon, Co-founder, Chief Strategy & Product Officer, Alkami Technology, Inc.

Matt Phipps, Chief Marketing Officer, Agent IQ

Mac Thompson, President & Founder, White Clay

Erika Bailey, ,

How do your customers interact with your bank? Now ask yourself, how do your customers WANT to interact with your bank? An outstanding customer experience can set your bank apart from the competition, while a mediocre one can set you back. During this session, we explore how technology can enhance your customers’ overall banking experience – allowing you to further develop your existing client relationships and keep them from looking elsewhere to service their needs.

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01/30/23 9:25 am – 10:05 am Grand Saguaro Ballroom

Technology Trends to Watch

Dave Foss, Board Chair & CEO, Jack Henry & Associates, Inc.

Nathaniel Harley, CEO & Co-Founder, MANTL

Jaime Punishill, Chief Market Officer, nCino

Al Dominick, Board Member, Bank Director

This session takes a look at the emerging trends within the fintech space and innovative ways that technology companies are learning from their bank partnerships.

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01/30/23 10:15 am – 11:45 am Wildflower Ballroom

M&A Simulation

Grant Butler, Partner, K&L Gates LLP

Peter Buck, Managing Director, Piper Sandler & Co.

John Freechack, Managing Director, Piper Sandler & Co.

Joe Regan, Director, Piper Sandler & Co.

Adam Smith, Partner, K&L Gates LLP

Rob Tammero, Partner, K&L Gates LLP

The process of striking a deal for a prized target has never been more competitive than it is today. For buyers, careful discipline is required to ensure that bids are designed to accomplish acquisition growth without damaging the value of the company. For sellers, a competitive bid process must be skillfully navigated in order to earn the best deal for shareholders. In this session, participants work through the final rounds of a competitive auction involving a prized seller to see which bank emerges as the successful acquirer. Of course, as in real deals, some wrinkles will emerge. The M&A Simulation is exclusive to 45 bank attendees only, allows for one banker per institution and runs concurrently to the below breakout sessions.

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01/30/23 10:25 am – 11:05 am Grand Sonoran G

Breakout II: M&A Through the Human Capital Lens – Navigating the Challenges and Opportunities Unique to MOEs and Acquisitions

Greg Swanson, Managing Director, Pearl Meyer

Rachel Turitto, SVP & Chief Human Resources Officer, First Interstate Bank

Dan Wetzel, Managing Director, Pearl Meyer

In all types of acquisitions, there are many human capital challenges to consider, including compensation and retention strategies, cultural integration, the transition of senior executives and the merging of two different employee populations. In this session, presenters review the considerations around compensation and broader human capital dynamics unique to a merger of equals and other types of acquisitions.

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01/30/23 10:25 am – 11:05 am Grand Canyon 9-13

Breakout VII: The Secret to Extraordinary Bank Growth

Don Neel, President & CEO, United Fidelity Bank, fsb

Kim Snyder, Founder & CEO, KlariVis

Through an aggressive acquisition and growth strategy, bank CEO, Don Neel, has pushed United Fidelity Bank to near $5B in total assets by guiding the institution through 9 acquisition transactions and the establishment of 3 de novo branches over the last 8 years. His method of leveraging acquired data to hit the ground running has been vital to the institution’s accelerated success. Sit in on this exclusive fireside chat to learn ways to uncover the true value of an acquisition, powerful strategies for a seamless integration and why data fluency is so critical to bank growth.

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01/30/23 10:25 am – 11:05 am Grand Canyon 8

Breakout VI: Modernize Commercial Lending to Stay Competitive

Joe Ehrhardt, CEO & Founder, Teslar Software

This session dives into today’s commercial lending landscape (post-PPP) and shares what community financial institutions should prioritize in order to stay ahead of big banks and maintain a competitive edge, while building personal, yet digitally optimized customer relationships. This session includes best practices when digitizing lending processes and real examples of forward-thinking community banks and the ways they are modernizing their commercial lending processes to grow revenue, increase their competitive posture and better serve their communities.

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01/30/23 10:25 am – 11:05 am Grand Sonoran A-D

Breakout V: Protect Earnings and Capital Using Derivatives

Rex Copeland, SVP, Chief Financial Officer, Great Southern Bank

Todd Cuppia, Managing Director, Head of Balance Sheet Risk Management, Chatham Financial

Dave Sweeney, Managing Director, Chatham Financial

Investors compensate bank managers for smooth, predictable earnings, asset growth and capital management. Changing interest rate environments impact each of these metrics. Banks have ways to manage changing interest rates, but banks often lack the most powerful and flexible tool: derivatives. Bankers sometimes shy away from using hedging strategies due to a lack of experience, a cautious board and concerns about accounting. Attend this session to hear how bankers have overcome these areas of resistance to add this tool to protect earnings and capital.

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01/30/23 10:25 am – 11:05 am Grand Sonoran E

Breakout IV: So A Recession is Coming… What Can We Do To Prepare for It?

Erica Crain, Managing Principal of Value and Risk Services, CliftonLarsonAllen LLP

Susan Sabo, Managing Principal, CliftonLarsonAllen LLP

It has been over 10 years since our industry has felt the effects of the bottom of the credit cycle. Whether or not a recession hits, there are numerous actions banks can take to prepare, protect and persevere through the cycle.

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01/30/23 10:25 am – 11:05 am Grand Sonoran F

Breakout III: Credit Union/Bank Transactions: Non-Traditional Growth Opportunities and Valuations

Jay Wilson, Senior Vice President, Mercer Captial

The universe of strategic options for banks has expanded to include credit union acquirers and developing or acquiring non-traditional lines of business (mortgage, insurance, wealth management or fintech). This session provides insights into these trends and how they intersect and discusses how acquirers determine a valuation range and model deal metrics for banks with both traditional and non-traditional lines of business.

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01/30/23 10:25 am – 11:05 am Grand Sonoran H-K

Breakout I: Getting a Deal Approved

Lowell Harrison, Partner, Fenimore Kay Harrison LLP

Jonathan Hightower, Partner, Fenimore Kay Harrison LLP

Stephanie Kalahurka, Partner, Fenimore Kay Harrison LLP

The current regulatory environment has merger partners worried about obtaining timely regulatory approvals. This session addresses how buyers and sellers can address potential regulatory deal risks on a wide range of issues, including consumer protests, community impact reviews, fair lending compliance matters and market concentration issues. The session also explores negotiating provisions to deal with regulatory application risks.

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01/30/23 11:15 am – 11:55 am Grand Canyon 8

Breakout VI: Close Encounters of the Fintech Kind

Dave DeFazio, Partner, StrategyCorps

See live demonstrations of trending apps like Robinhood, Cash App, SoFi and Affirm to better understand the new features that are increasing competitive pressures on today’s banking products. We share ongoing research which explains the trends – including which mobile features matter most to each generation, from zoomers to boomers. We also examine how fintech companies like Acorns are leveraging the subscription society (think Amazon Prime, Costco, Netflix, Spotify) and pioneering new recurring revenue-generating models for financial products and services.

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01/30/23 11:15 am – 11:55 am Grand Canyon 9-13

Breakout VII: Best Practices, Lessons Learned & Characteristics of a Seller That Merit a Premium Price

Kurt Knutson, Founder, CEO & Chair,

George Makris, Chair & CEO,

Christopher Olsen, Managing Partner, Olsen Palmer LLC

This moderated ‘fireside discussion’ with an accomplished banker and M&A participant reveals key findings applicable to sellers and buyers alike. For prospective sellers, learn how to prepare for a sale and which characteristics merit a premium price… and which do not. For would-be buyers, the session explores best practices, the seller’s mindset, areas of value creation, and key risks in an acquisition.

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01/30/23 11:15 am – 11:55 am Grand Sonoran A-D

Breakout V: Entering the Equipment Leasing & Finance Industry

Duane Dewey, President & CEO, Trustmark National Bank and Trustmark Corporation

James Reske, EVP, Chief Financial Officer, First Commonwealth Financial Corporation

Chuck Sulerzyski, President & CEO, Peoples Bancorp Inc. and Peoples Bank

Harry Kaplun, Managing Director, Rinaldi Advisory Services

As banks strive to diversify their C&I assets outside CRE, equipment leasing and finance have a proven track record of doing just that. But the additional benefits of improved spread, ROE and ROA are just a few of the most visible benefits. More than a few banks can corroborate. There are several methods of entering this lucrative C&I business line. Each of the three panelists have entered the equipment leasing and finance market in the past few years and each have entered using three different methods. Hear first-hand from top executives of three outstanding banks about their rationale and experiences.

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01/30/23 11:15 am – 11:55 am Grand Sonoran F

Breakout III: Why Smart-focused M&A Loan Review is Critically Important Now

David Ruffin, Principal, IntelliCredit, A Division of QwickRate

With the combination of rampant inflation, record velocity in rate increases and the weaning off of pandemic government assistance, the likelihood of heightened credit stress is all but guaranteed. Irrespective of current credit metrics being very benign, these are trailing indicators — and subject to change dramatically. In this environment, no prospective acquirer should be satisfied with call report data or previous loan review reports to extrapolate a target’s embedded credit quality.

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01/30/23 11:15 am – 11:55 am Grand Sonoran G

Breakout II: Growing Top Talent & Creating Commercial Bankers Faster

Mitch Bleske, Chief Operating Officer, Bremer Bank, National Association

Patrick Ryan, President & CEO, First Bank

Scott Sanborn, Executive Vice President – Commercial Lending, HarborOne Bank

Susan Simper, First SVP, Director of Business Express, MidFirst Bank

Dan O’Malley, CEO & Co-founder, Numerated

Everyone knows top sales talent is a key part of any growth strategy, but there isn’t a defined handbook to achieve it. Join the CEO of Numerated along with 3 bank CEOs to dive into how you can empower and grow existing teams while winning the competition of attracting new talent. By enabling existing talent to become commercial lenders, investing in tools to make teams more efficient, and modernizing the bank’s brand to attract new talent in the marketplace, these executives have increased loan production simply by transitioning their talent strategies.

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01/30/23 11:15 am – 11:55 am Grand Sonoran H-K

Breakout I: Overcoming the 5 Dysfunctions of a Growing Bank

Drew Anderson, Chief Administation Officer, Umpqua Holdings Corp.

Renee Brooks, SEVP, Chief Operating Officer, South State Bank

Mike Daniels, President & CEO, Nicolet National Bank

Ryan Rackley, Partner, Cornerstone Advisors, Inc.

As a bank grows, complexities naturally result. In this breakout session, bank executives explore challenges that arise during merger considerations, contract negotiations and other strategic growth initiatives. In point/counterpoint fashion, Cornerstone Advisors’ Ryan Rackley tackles the most significant challenges confronting bank executives today and lays the groundwork for growth-minded banks to consider.

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01/30/23 11:15 am – 11:55 am Grand Sonoran E

Breakout IV: How to Maximize Your Stock as a Currency

Laura Hamilton, Vice President, OTC Markets Group Inc.

Ciaran McMullan, Former President & CEO, Suncrest Bank

This session discusses the cost-efficient pathway to going public on OTC Markets where banks can leverage their stock currency for future M&A opportunities. We also discuss strategies for increasing liquidity and ways to enhance your bank’s shareholder value.

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01/30/23 11:55 am – 1:00 pm Grand Canyon 8

Women in Banking Luncheon

Liz Magennis, President, ConnectOne Bank

Lisa Oliver, Chair, President & CEO, The Cooperative Bank of Cape Cod

Andrea Short, President & CEO, 1st Source Bank

Michelle King, President, Bank Director

Laura Schield, Chief Operating Officer, Bank Director

Expanding on the Women in Banking Reception held on Saturday, join your peers for a lively moderated discussion with Bank Director and three bank leaders as we discuss the challenges, opportunities and lessons learned in our industry.

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01/30/23 1:00 pm – 1:05 pm Grand Saguaro Ballroom

Welcome Back: Tracking Strategies Across America

Emily McCormick, Vice President of Editorial & Research, Bank Director

Jackie Wall, Vice President, Bank Director

Bank Director shares results from our annual research studies as well as cumulative findings from the Board Performance Surveys that our bank members have completed this year.

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01/30/23 1:05 pm – 1:25 pm Grand Saguaro Ballroom

Keys To A Well Executed Deal

Rick Childs, Partner, Crowe LLP

Emily McCormick, Vice President of Editorial & Research, Bank Director

This session shares insights from our annual M&A research survey, sponsored by Crowe LLP.

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01/30/23 1:25 pm – 2:05 pm Grand Saguaro Ballroom


Bill Demchak, Chair, President & CEO, The PNC Financial Services Group, Inc.

Jack Milligan, Editor-at-Large, Bank Director

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01/30/23 2:20 pm – 3:00 pm Grand Sonoran E

Breakout IV: Driving Revenue and Retention Through Digital Investing Opportunities

Margaret Hartigan, Co-Founder & CEO,

The largest opportunity in banking today is increasing non-interest income (fee-based revenue) and retaining deposits from new and existing customers flowing to digital investment and banking platforms. This can be accomplished through launching an offering in wealth that doesn’t require becoming an investment advisor. Hear how Wealth Management-as-a-Service can positively pull those levers for your bank via turnkey technology.

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01/30/23 2:20 pm – 3:00 pm Grand Canyon 8

Breakout VI: Using Blockchain Technologies to Innovate and Gain a Competitive Advantage in Commercial Banking

Kevin Greene, Chair & CEO,

This session provides you with best practices applying blockchain technologies in commercial banking to deepen customer relationships, capture market share, penetrate new markets and build shareholder value. The session also provides you with insights into how the most innovative commercial banks are applying blockchain-based technology to increase revenues and profits by providing their corporate customers with secure, flexible, real-time payments 24/7/365 and highly customized financial services using smart contracts. These banks are both meeting customer demands and responding to competitive threats posed by innovative fintechs and money center banks.

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01/30/23 2:20 pm – 3:00 pm Grand Sonoran A-D

Breakout V: Gaining a Competitive Edge in Business Lending with Data-Driven Decisioning

Cal Steinhoff, Vice President, Sales,

Quantitative tightening, rising interest rates and decreased demand from your small business borrowers can all be alarming during a recession. Still, there are ways to navigate these treacherous waters. During these times, digital channels create opportunities for banks to serve more business customers, expand market share and increase revenue at a lower cost. Banks that embark on this strategy to leverage AI-powered innovations in analytics and data-driven decision-making can gain a decisive competitive advantage. Making data a competitive advantage and leveraging data for data-driven decisioning can create significant value for customers. By providing them with value-added products at the right time, banks are empowered with cross-selling opportunities, thereby increasing profitability for the bank and building a recession-resilient portfolio.

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01/30/23 2:20 pm – 3:00 pm Grand Sonoran F

Breakout III: Go Digital, Win Commercial: Navigating an Uncertain Market in 2023

Shon Cass, EVP, Founder & Chief Experience Officer,

Debbie Smart, Senior Product Marketer, Commercial Solutions, Q2

Gita Thollesson, Manager of Strategic Advisory Services,

As the market conditions of 2022 carry us into the new year, financial institutions need to keep an eye on trends that affect both sides of the balance sheet. On the lending side, at what point will rate hikes impact the appetite for commercial loans? And on the deposit side, can a heavy emphasis on digital bring the desired efficiency in the back office, as well as in the customer experience? Join us to discuss how a smart technology strategy and integrated solutions can help you win, onboard, serve and grow your commercial relationships – no matter how 2023 plays out.

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01/30/23 2:20 pm – 3:00 pm Grand Sonoran G

Breakout II: Digitally Bring Top-Tier Borrowers Back Into Your Communities

Meghan Crawford, President of Institutional Sales, BHG Financial

Philip Jordan, EVP, Chief Banking Officer,

Bill LaVigne, Chief Operating Officer,

Dustin Walker, EVP Loans,

Are you looking for digital loan solutions while managing cash positions, balancing risk tolerance and bolstering earnings? Community banks are uniquely positioned to capitalize on advanced technology platforms that will benefit them today and in the future. BHG Financial shares the secret sauce on how to properly partner with fintech companies that can give you access to data, research, analytics and more.

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01/30/23 2:20 pm – 3:00 pm Grand Sonoran H-K

Breakout I: Manage Compensation Costs by Mastering Generational Values

Flynt Gallagher, President, Newcleus Compensation Advisors

In this session, we evaluate the link between the values of each generation and the effectiveness of your compensation plans. Attendees also learn management techniques to improve communication and productivity based on generational preferences.

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01/30/23 3:20 pm – 4:00 pm Grand Sonoran H-K

Breakout I: New Markets Tax Credit Investment: A Unique Value Proposition

James Howard, Jr., President,

Rick Kraemer, EVP, Chief Financial Services Officer,

Learn how some of the largest financial institutions utilize New Markets Tax Credit investments to reduce federal tax and enhance earnings, while at the same time supporting CRA and ESG initiatives. A relatively small tax credit program of the US Treasury generates great returns for banks in corporate earnings and finances quality job creation, workforce development, mixed-use housing and rural community education and healthcare services in low-income communities.

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01/30/23 3:20 pm – 4:00 pm Grand Sonoran G

Breakout II: After the Deal: Measuring, Managing and Monitoring Risk Post M&A

Brendon Falconer, Chief Financial Officer,

Rishi Khosla, Founder & CEO,

Hugh Shannon, Head of Sales & Customer Success, OakNorth

When it comes to M&A, combining commercial loan books is no small feat and could be loaded with blind spots of hidden risks, growth opportunities and more. In this session, we examine how banks can identify potential credit issues in their acquired bank’s portfolio earlier, what they can do about it and how they can start focusing on growth and opportunity sooner after an acquisition or merger.

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01/30/23 3:20 pm – 4:00 pm Grand Sonoran F

Breakout III: Up, Up, and… Balance Sheet Management in a World of Great Uncertainty

Frank Farone, Managing Director, Darling Consulting Group

Joe Kennerson, Managing Director, Darling Consulting Group

Matt Pieniazek, President & CEO, Darling Consulting Group

By January 2023, Fed funds will likely be at their highest in 15 years, and there’s no telling where Treasury rates will be. Funding and related costs will be under pressure, and economic uncertainty will weigh heavily on lending, investment and hedging strategy discussions. Join this session for a thought-provoking conversation on managing your entire balance sheet amid great uncertainty.

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01/30/23 3:20 pm – 4:00 pm Grand Sonoran E

Breakout IV: Driving Profitability Through Digitization

Sarah Murray, Deposit Product Manager and Counsel,

Erin Simpson, EVP, Chief Operating Officer, Encore Bank

A winning digital strategy is an end-to-end strategy that supports an automated business and customer engagement ecosystem. The decisions you make now will impact your business from the top down and from the inside out — from streamlining and connecting workflows through APIs to eliminating outdated operational functions. Is your mobile investment setting you up for success or inefficiency, churn and abandonment? Join this session to see firsthand how to assemble digital assets that deliver more profitable business with less friction.

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01/30/23 3:20 pm – 4:00 pm Grand Sonoran A-D

Breakout V: Drive a Modern Client Experience with Currently Unused Data

Warren Dunton, Director of Channel Sales,

Chip Scully, Head of Banking Sales,

You’ve done everything right. Your clients love you. Your clients also love and trust non-banks to store, grow and manage their money. Where do you even begin to fend off this disintermediation? In this session, we explore how to use your unused data for analytics that can allow you to create a modern client experience through highly targeted services.

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01/30/23 3:20 pm – 4:00 pm Grand Canyon 8

Breakout VI: Unconventional Strategies for Dramatic Organic Growth

James Capolongo, EVP, Head of Deposits & Payments,

Burt Hicks, President & Chief Strategy and Growth Officer,

Jay Tuli, President,

Nathan Baumeister, CEO & Co-founder, ZSuite Technologies, Inc.

When community banks open their eyes to unconventional industry verticals, partnerships and technology, organic growth can explode on both sides of the balance sheet. Learn how three innovative banks embraced multiple new models of business for exceptional financial performance.

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01/30/23 4:10 pm – 4:50 pm Grand Saguaro Ballroom

Turning Risk Into Opportunity

Craig Sanders, Partner, Moss Adams LLP

Kevin Schalk, Partner, Banking and Capital Markets Sector Leader, Baker Tilly US, LLP

Shane Tintle, Partner, Davis Polk & Wardwell LLP

Naomi Snyder, Editor-in-Chief, Bank Director

This session focuses on the riskier areas in banking and areas ripe for transition — blockchain and digital assets, climate change, cannabis — where a select few banks are blazing a trail.

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01/30/23 4:50 pm – 5:20 pm Grand Saguaro Ballroom

Growth Strategies – What Should You Consider?

Wendy Cai-Lee, Founder & CEO, Piermont Bank

Jeffery Kendall, CEO & Chair of the Board, Nymbus

Krista Snelling, President & CEO, Santa Cruz County Bank

Michelle King, President, Bank Director

Andy Grove, the former CEO of Intel, famously authored, “Only the Paranoid Survive.” That title begs the question: can you not just survive, but also thrive, if you’re constantly on the lookout for challengers and threats? We attempt to answer this question by inviting panelists from across the country to share their insights on how change fuels their business success.

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Day 3

| Tuesday, January 31
01/31/23 8:00 am – 8:10 am Grand Saguaro Ballroom

Don’t Be Blinded By These Buzzwords

Jack Milligan, Editor-at-Large, Bank Director

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01/31/23 8:10 am – 8:40 am Grand Saguaro Ballroom

Where Banks Are Losing Ground

Jorge Esteban, VP, Southeast Region, Community Financial Institutions, Visa

Derik Sutton, Chief Marketing Officer, Autobooks

Michelle King, President, Bank Director

This session focuses on where banks have ceded space — small business (Square, etc), payments — and what they’d need to do to gain share back.

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01/31/23 8:40 am – 9:10 am Grand Saguaro Ballroom

Successful Merger Tactics: Key Factors for Value Creation

Josh Carter, Partner, PwC

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Winning over investors is just the start of today’s bank merger journey; it’s critical to also engage communities and key customers. PwC explores the important factors that went into successfully building support for recent bank transactions.

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01/31/23 9:10 am – 9:40 am Grand Saguaro Ballroom

The Story of How Grasshopper Bank and Radius Bank Redefined Banking Innovation

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Too often financial institutions struggle to fully commit to digital transformation because it feels complex and the return on investment seems ambiguous. Join Mike Butler, CEO of Grasshopper Bank and former CEO of Radius Bank (now LendingClub) and Nikhil Lakhanpal, Co-Founder of Narmi, to unpack how Grasshopper Bank led a digital-first change across an entire organization and the resulting transformative impact. This session walks through tangible examples to show what obstacles had to be overcome and decisions to be made to lead to industry-defining success.

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01/31/23 10:00 am – 10:40 am Grand Sonoran H-K

Breakout I: ESG Roadmap and Opportunities for Community Banks

Aaron Juda, Chief Financial Officer, Forbright Bank

Evan Matzen, Director, Sustainable Finance, The PNC Financial Services Group, Inc.

Nitin Mhatre, President & CEO, Berkshire Hills Bancorp, Inc.

Kristi Eberhardt, Managing Director & Head of Sustainable Finance, The PNC Financial Services Group, Inc.

With the growing focus around ESG from investors, clients, regulators, communities and employees, having an ESG policy and raising the awareness about current ESG activities is becoming more critical to a bank’s success. We discuss the key aspects of developing an ESG road map while highlighting opportunities and recommendations to navigate the ESG landscape and benefit your business and your bottom line. Joining PNC on this panel are executives from Berkshire Hills Bancorp and Forbright, Inc., two ESG-centric banks, to share their insights and perspectives.

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01/31/23 10:00 am – 10:40 am Grand Sonoran G

Breakout II: Growth & Returns in a Turbulent Market: Strategies for Optimizing Your Bank’s Loan Portfolio

Bryan Monteith, EVP, Managing Director Government Guaranteed Lending, Blue Ridge Bank, National Association

Tee Shipmon, Director, Wholesale Markets, The Bancorp Bank

Danny Skarda, Chair of the Board & CEO, Interstate Bank, ssb

Garrett Smith, CEO & Founder, Community Capital Technology Inc.

At a time of considerable market uncertainty, even turbulence, in credit markets, the banks seek to more actively manage their loan portfolio exposures and returns. Balancing the mastery of tried-and-true approaches, along with identifying new tools and techniques, are paramount to long-term success in loan portfolio management. Hear how two community banks are thinking about managing through the current market volatility to optimize their loan portfolio performance.

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01/31/23 10:00 am – 10:40 am Grand Sonoran F

Breakout III: Community Bank Debt Issuance: The Credit Markets’ Updated View

Van Hesser, Senior Managing Director, Chief Strategist, KBRA

Kroll Bond Rating Agency research has helped open the investment grade debt markets to community bank issuance. As we head into more challenging economic times, this session examines the issuing landscape and how credit markets are viewing community bank risk.

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01/31/23 10:00 am – 10:40 am Grand Sonoran E

Breakout IV: ​​Buy Now Pay Later & POS Lending Solution Growth Strategies

Devon Bray, Small Business Regional Leader of CA,

Mia Huntington, EVP, POS Lending/Buy Now Pay Later,

Rob Seidman, SVP, Head of Product, Buy Now Pay Later & POS Lending,

Megan Miller, VP, Head of FI Business Development,

The rising adoption of the Buy Now Pay Later business model has many questioning its long-term benefits; but the positive impacts for your business clients and what that means to your overall growth strategies are worth discussing. Consumers like the choice of payment terms with easy and instant access to credit when they need it, at the time of purchase. Merchants see an increase in customers completing orders by as much as 20-30% and benefit from a 30-40% increase in the average order value. Hear from a panel of market leaders as they discuss the questions that many financial institutions are having around the board room when considering the regulations and risks associated with BNPL and POS Lending.

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01/31/23 10:00 am – 10:40 am Grand Sonoran A-D

Breakout V: How to Avoid Getting Catfished by AI

Diego Represas, Founder,

AI has suddenly come to life. In recent months, we’ve met AI that can paint, tell stories, write code and replace not only jobs, but also incumbents like Google. Inside financial institutions interest is on the rise, yet healthy skepticism remains: What can AI really do? How will I know it will work? This session helps you separate the fiction from reality and avoid investing in AI projects that won’t pay off.

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01/31/23 10:00 am – 10:40 am Grand Canyon 8

Breakout VI: Update on Fintech Valuation Multiples – Where Do We Go From Here?

Paul Friday, Managing Director,

This session provides an update on fintech valuation multiples for the past 12-24 months. We examine and summarize public company multiples, the largest M&A and private financing transactions. Did you know that payments companies comprise 50% of the market capitalization of all fintech companies? We also review the bank tech, lending, crypto and other fintech sectors as well.

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01/31/23 10:50 am – 11:20 am Grand Saguaro Ballroom

Reimagine What’s Possible

Ken LaRoe, Founder & CEO, Climate First Bank

Corey LeBlanc, Co-Founder, COO & CTO,

Lauren Sparks, Founder & CEO,

Emily McCormick, Vice President of Editorial & Research, Bank Director

As your bank considers the possibilities for future growth, we close this year’s 29th annual conference by speaking with three bank leaders who have taken a different approach to banking, customer engagement and digital strategy.

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01/31/23 11:20 am – 11:25 am Grand Saguaro Ballroom

Parting Thoughts

Michelle King, President, Bank Director

Laura Schield, Chief Operating Officer, Bank Director

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