Credit Risk Policy Round Table

Participate in interactive discussions that will focus on credit risk issues. Banks of all sizes are encouraged to attend.

CRC: 3 CEUs 

Registration fee: $250 

Enterprise Risk Management Round Table

Designed for banks under $10B that are well under way in the ERM process, this round table will feature interactive discussions focusing on enterprise risk management issues.

CRC: 3 CEUs 

Registration fee: $250 

Registration 

RMA Registration Booth

First Time Attendees Cocktail Reception

Is this your first RMA Annual Conference? We’d love to welcome you to the event. Please join us for a drink and an overview of the conference. We look forward to meeting you. Registration, while free, is required.

Opening Reception in Main Exhibit Hall

Breakfast/Innovation Sessions

Informative sessions on a timely industry topic presented by one of our industry partners.

Innovation Session 1

The Future of Compliance Management is Now

With compliance risk and change management being areas of continued focus for regulators, how equipped are financial institutions to deal with the continued deluge of new regulatory requirements and the increased scrutiny?  Organizations can’t afford to maintain traditional silos of change management with disconnected information and manual processes for monitoring, tracking and assessing compliance risk. Learn best practices for shifting your organization to an integrated compliance management strategy to address compliance changes through common processes, automated compliance tracking and a supporting technology architecture.

Speakers: Elona Ruka-Wright, Global Chief Risk Officer at Finastra, and David J. Boulanger, Esq., Principal Product Manager at Finastra

This session will be presented by:

Innovation Session 2

Hidden Tax Debt: What You Should Know About Your Borrowers, but Probably Don’t

Are you lending to businesses with significant off-the-books liabilities you don’t know about? Our data suggests most lenders are unable to identify the nearly 20% of businesses with hidden tax debt, but it’s not their fault. Delinquent federal tax debt accounts are at a 15-year high while federal tax lien filings have declined to a 15-year low.  Making matters worse, a credit report and other public record data can’t identify this dangerous credit risk gap. In this session, you will learn how other successful commercial lenders have transformed their credit decisioning processes to quickly identify borrowers’ hidden tax debts, uncover cash flow issues, and make more confident credit risk decisions.
Speaker: Hansen Rada, CEO, Tax Guard 

This session will be presented by:

General Breakfast in the Exhibit Hall

Welcome

Nancy Foster, President and CEO, RMA, and Edward Schreiber, RMA Chair, EVP and Chief Risk Officer, Zions Bancorporation

Keynote Speaker

Joseph M. Otting, Comptroller of the Currency

Coffee Break in the Exhibit Hall

Break Out Sessions Group 1

1. Chief Risk Officer Panel
   Leading bank CROs will discuss emerging risks and what is on their radar for 2019.
   Speakers: Philippa Girling, Chief Risk Officer, Investors Bank; C. Matthew Lusco, Chief Risk Officer, Senior Executive Vice President, Regions Financial; Brian Hughes, Chief Risk Officer, Discover Financial Services

2. CRE Bubble: What Are the Warning Signs?
   Regulators are ringing the warning bell on the ongoing bubble formation in Commercial Real Estate. When is the next bubble-burst and where? How will deregulation effect CRE prices? The impact on loan pricing, deal structure and volume, and capital allocation has yet to unfold. 
   Speaker: Barbara Denham, Senior Economist, REIS, Inc.

3. Liquidity Risk Panel
   This session will discuss how liquidity risk is identified, measured, and managed. This very important risk needs serious consideration as banks create governance to best manage their positions.
   Moderator: Peter Marshall, EY
   Panelists: Jim Clarke, Clarke Consulting; Bill Kugler, Chief Market and Liquidity Risk Officer, Capital One

4. Third-Party Risk Management 

   Third party risk management (TPRM) continues to grow in importance and complexity. In today’s highly regulated and competitive environment, your supply chain not only needs to comply with applicable regulations, but also sustain high quality standards and performance levels. More than ever, financial institutions need to continually examine their programs to ensure risks related to their third party suppliers are clearly identified, monitored, and mitigated. This session will focus on TPRM on an enterprise level, but will also include a deeper dive into third party providers within lending business lines. We’ll examine ways to categorize and manage the hundreds of vendors in your supply chain, and best practices related to vendor risk classification, vetting and selection.  It will also address challenges surrounding ongoing oversight, governance and reporting, and how technology and access to data are helping to streamline the process.

   Speakers: Emily Nachlas, Director of Enterprise Risk Management, IberiaBank; Dan Gottlieb, Chief Strategy Officer, EDR; and James Haberlen, Managing Director, Lender Solutions EDR.

5. Credit Risk and Crystal Balls: How Forward-Looking Indicators Help Mitigate Exposure
   The need for meaningful and accurate reporting that effectively identifies and analyzes existing and potential credit risk has become a critical part of every financial institution’s risk management program.  While many banks do a good job of tracking lagging indicators of risk, such as loan delinquencies and charge-offs, it is forward-looking risk indicators that best allow banks to proactively identify and mitigate risk exposure. This session discusses how banks can integrate solutions and incorporate data analytics into reporting, automate regular and ad-hoc reporting and centrally maintain information for future reporting requests. Additionally, the session discusses tools that manage credit, market and liquidity risk through analytics and quantitative risk modeling to increase a bank’s bottom line. 
   Speaker: Kendra Tolley, Retail Product Line Head, nCino

6. Fortify Your Bank's Second Line of Defense With Peer Data
   Since 2003, RMA and AFS have collaborated on comparative benchmarking analytics, including data quality, credit risk, and common borrower analysis.  Hear from one of the participating banks how a strong data analytics program can enhance risk identification and asset allocation, and lead to real capital savings.
   Speakers: Prashant Pratapwar, M&T Bank; and Doug Skinner, AFS

Break Out Sessions Group 2

1. CECL Implementation for Community Banks
   There is a lot of confusion about CECL and what it will mean for community banks. Hear from experts who are sharing ideas and concepts to de-mystify the CECL mandate and help your bank prepare for the change.
   Speaker: Peter Cherpack, Ardmore Advisors

2. Be Alert as the Credit Cycle Grows Old: Opportunities and Challenges for Commercial Lending
   The current credit cycle is nearing an uncertain end. Banks of all sizes must consider key factors influencing both risk appetite and business opportunities. This session will examine lessons learned from prior late-stage credit cycles as well as factors unique to the current cycle including American politics like regulatory rollbacks and volatile trade policies, plus issues like CECL, FINTECH, and the alarming growth of corporate, government and consumer debt.
   Speakers: Rick Buczynski, Chief Economist, IBISWorld, Inc.; Dev Strischek, Principal, Devon Risk Advisory Group

3. Women in Banking Panel
   Leaders from the C-suite will share insights on topics such as career advancement, bringing more women into banking and what initiatives they have founded or support at their banks to raise women’s issues in the workplace.
   Speakers: Helga Houston, Chief Risk Officer, Huntington National Bank; Sandra W. Jansky, Chief Credit Officer, BB&T; Jodi. L. Richard, Chief Risk Officer, US Bancorp

4. Business Resiliency Challenges and Strategies
   Risk is defined as the uncertainty of outcomes in pursuit of objectives. There are a range of risks that banks must consider and prepare for so that they are not caught off-guard should they occur. Hear experts explore such unforeseen events as natural disasters, cybersecurity breaches and next-gen demands.
   Speakers: Eric Holmquist, Managing Principal, ERM National Practice, Capco, and Mohit Ramani, Chief Credit Risk Officer, SunTrust Bank

5. Building and Sustaining a High Performance Culture
   High performing culture sets apart the best companies from the good ones. Discuss with a leading risk manager how your organization can build a culture that ensures your success well into the future.
   Speaker: Joseph Iraci, Managing Director, Financial Risk Management, TD Ameritrade

6. Blockchain is Here to Stay
   It is easy to confuse blockchain with crypto-currencies as that is the most recognizable application of the technology.Learn what blockchains are being developed and how distributed ledger concepts are poised to benefit banks.
   Speaker: Charles Post, Managing Counsel and Director, BNY Mellon, and Robert Wilson, BNY Mellon

Lunch

Lunch/Innovation Sessions

Informative sessions on a timely industry topic presented by one of our industry partners.

Innovation Session 3

How Firm a Foundation? The Basis for Building a Growth-Oriented Digital Credit Process

Digital transformation is sweeping over the banking industry, led by intense competition to keep up with customer expectations, streamline operations, and discover new revenue sources. Bankers and lenders know they have to adopt a digital future in order to survive, but widespread confusion exists about how to proceed. That is why AFS and Greenwich Associates are partnering with banks to benchmark the current state and pace of digitization in the commercial credit process, and to help banks understand why, where, and how best to deploy digital upgrades. We have found several critical links among digital capabilities, customer support, data integrity, and operational efficiency. Join us to explore those links as foundational keys to planning and implementing a digital strategy that prepares a bank for growth through a customer-centric ecosystem.
Speakers: Chris McDonnell, Managing Director, Greenwich Associates and Lee Kidder, Director, AFS 

This session will be presented by:

Innovation Session 4

Gimme Credit: Faster, Simpler, Safer Credit For Main Street America

The largest banks pulled back from small business lending during the recession, yet even in this strong economy, community financial institutions and FinTech companies have struggled to fill the gap. After researching this credit gap, PayNet is releasing a comprehensive 46-page study, developed in cooperation with Raddon, a Fiserv company, that examines how inefficiencies for community financial institutions and high costs for FinTech companies have hindered small business lending, and how overcoming these challenges may offer the key to unlocking small business opportunities. In this innovation session, key findings and strategic insights from this study will be highlighted.

Presented by William Phelan – President, PayNet, Inc.

Monday, November 5, 12:30-1:15pm

This session will be presented by:

Keynote Speaker

Richard A. Clarke, Chairman and CEO, Good Harbor Security Risk Management, LLC

Table Topic Discussion

Share interactive conversations with your peers on a variety of topics. Our facilitator will have talking points but the conversation belongs to you! Please plan to attend one of the following table discussions:

• Health Care Lending Issues – Laurie A. Foster, CRC, RMA
• Talent Recruitment and Retention – Robert Messer, American National Bank of Texas
• CRE Update – Jeff Kirby, Green Bank, NA
• Consumer Book Discussion – George Buchanan, Regions Bank
• Board Communication Best Practices – Emily Nachlas, IberiaBank
• Regulatory Hot Topics – Bernie Mason, RMA
• CECL Idea Sharing
• YP Session – Ian Worrell, INTRUST Bank
• Third Party Risk Management – Sylwia Czajkowska, RMA
• Liquidity Risk: Pricing and Benchmarking – Jeff Bajek, Venture Bank

Topics subject to change

Snack Break in Exhibit Hall

Break Out Sessions Group 3

1. Mid-Tier/Large Bank CCO Panel
   How is your bank prepping for the downturn? Hear three mid-tier/large bank CCOs discuss their emerging risks and what strategies they are employing to get ready for the eventual turn in the economy.
   Moderator: Ed Schreiber, CRO, Zionsbancorporation
   Panelists: Seth Waller, EVP & Chief Credit Officer, TIAA Bank; Mohit Ramani, Chief Credit Risk Officer, SunTrust Bank; Marisa Harney, EVP, Chief Credit Officer, CIT

2. Community Bank CCO Panel
   Visit with a panel of CCOs who are managing the spectrum of emerging risks at their respective community banks.
   Moderator: Lou Dunham, Ardmore Advisors
   Panelists: Michael Nassy, CCO, FVCbank; William Harrod, Chief Credit Officer, First Financial Bank; Daniel Eilert, Chief Credit Officer, INTRUST Bank

3. A Look at the Consumer Book
   Retail portfolios are sometimes leading indicators of economic changes in the market. Discuss the present issues around credit cards, mortgage, student loans, and residential mortgages with retail leadership at two large banks. Other retail topics are bound to make the list as well!
   Speakers: George Buchanan, CRO Consumer, Small Business and Wealth Management, Regions Bank; Ram Narayan, SVP Credit Risk Management, Capital One, NA

4. The GAAP Gap- Accounting’s Perfect Storm
   GAAP is facing three monumental changes that taken separately, would be a huge adjustment to how we are running our businesses.Hear how Revenue Recognition, Lease Capitalization, and CECL will all be coming on line very close together and creating a perfect storm for the industry.
   Speakers: MaryAnn Lawrence, Cleveland State University; Dev Strischek, Principal, Devon Risk Advisory Group.

5. An expected loss approach for CECL

   Hear from S&P Global Market Intelligence on a way to leverage a proven credit risk modelling approach to meet CECL requirements.

   • Overview of CECL alternative methodologies

   • Advantages of adopting a dual rating scale

   • An example of using a PD/LGD approach for CECL quantification

   • TTC to PIT

   • Including macro-conditioned forecasts

   • Term structure adjustments

Networking Reception in the Exhibit Hall

Breakfast/Innovation Sessions

Informative sessions on a timely industry topic presented by one of our industry partners.

Innovation Session 5

This session will be presented by:

Innovation Session 6

CECL:  Make Lemonade from Lemons by Going Beyond Compliance

Many bankers have a sour taste in their mouth when they discuss CECL. The process could squeeze out lots of time and energy from your regular work, leaving you feeling beaten to a pulp with nothing to show for it. Why not see the lemonade pitcher as half full; a robust CECL process could actually help provide new insight into your lending business! Turn all that hard work into a cool and refreshing way to both save time and to enhance portfolio and capital management.  No matter your bank's size, please come and sit down with DebtX and take a long sip that could result in a greater understanding of your true risk profile.

Speaker: William S. Mercer, CFA, Managing Director

This session will be presented by:

General Breakfast in the Exhibit Hall

Awards

Nancy Foster, President and CEO, RMA and Edward Schreiber, RMA Chair, EVP and Chief Risk Officer, Zions Bancorporation

Keynote Speaker

Mark M. Zandi, Chief Economist, Moody’s Analytics – Economic Update and Forecast

Keynote Speaker

Kathy Pearson, Wharton Business School "Perceptive Leadership: How Risk Managers Can Better Manage Uncertainty."

Coffee and Exhibit Hall Break

Time with Your Regulator Session

Regulators from the FDIC, FRB, and OCC will be hosting discussions in separate breakout rooms to inform the banks of emerging risks and to hear from their respective constituencies. This in an opportunity to engage with your regulator on topics of concern.
FDIC: Doreen Eberley, Director, Division of Risk Management Supervision; Rae-Ann Miller, Associate Director, Risk Management Policy Branch; and Bobby R. Bean, Associate Director, Capital Markets Branch
FRB: Jeff Deibel, Assistant VP Community and Regional Banking; Keith Larkin, Assistant VP Community and Regional Banking; and Chris Palumbo, Assistant VP Community and Regional Banking
OCC: Robert Phelps Deputy Comptroller Supervisory Risk Management

Lunch

Annual Conference Adjourns

The ALLL Workshop: Understanding CECL

(optional; additional registration fees apply)

This comprehensive workshop is a scenario-based training program presenting the key estimating, regulatory, and accounting challenges faced by community banks in determining its reserves—a bank’s most critical quarterly calculation.

The program is developed and presented by MST, the education-based and leading provider of ALLL solutions to community banks. Experts in various disciplines will present information and best-practice approaches—regulatory, accounting, technology, etc.—related to estimating the ALLL and the transition to CECL and will provide course materials that allow you to apply lessons learned in working through various allowance scenarios.

• Streamline your ALLL data collection, processes, planning for transition.

• CECL modeling ideas and examples.

• Using and creating economic forecasts.

CRC: 12 CEUs

Registration fee: RMA Member (seminar alone): $915

RMA Member (with full conference registration): $685

Nonmember: $1,235