Agenda

Join us to explore the benefits of a self-managed model for appraisal, environmental, and other property services, with an emphasis on regulatory compliance. The passage of the Home Valuation Code of Conduct (HVCC) Act led many lenders to outsource their appraisal procurement. Today, under Dodd-Frank, HVCC is retired. However, appraisal independence rules, along with changes regarding the payment of appraisers and the monitoring of appraiser compliance, have been added to Truth in Lending Act (TILA). Financial institutions have always been liable for the actions of their third-party suppliers, but under the new guidelines, regulatory compliance has taken on renewed vigor as regulators beef up their audit considerations. Many lenders are taking back control of the appraisal procurement process to reduce compliance risk and to improve operational timelines and customer service. A key concern among many community banks is how to make this shift without overtaxing their existing resources. This panel will explore how technology is cost-effectively simplifying the workflow associated with collateral assessment and risk mitigation, while overlaying a lender’s policy to ensure that all transactions are consistently managed to credit policy requirements.

Breakout Sessions Group I (repeat of 11:15 a.m. sessions) and Retail Session 2

ALLL: Regulatory Impact for Community Banks

Risk Appetite: Latest Developments

Credit Review: Increasing the Profile of the Third Line of Defense

The Role of Risk Management in New Product Development (This session does not repeat)

Gain insight into the issues driving the risks created by new or materially changed banking products.  This session will provide effective approaches that enable risk management and business areas to better understand potential risks and ensure that the appropriate control framework is in place as part of the product introduction or change.

Kevin Slane, SVP - Director of Enterprise and Operational Risk, Whitney Bank

3:20 – 4:00 p.m.
Break in the Exhibit Hall

4:00 – 5:00 p.m.
Breakout Sessions Group II and Retail Session 3

Lending to the Health Care Industry: Opportunities and Challenges

Many opportunities exist today for banks to provide services to health care providers including medical practices, hospitals, and skilled nursing facilities. To understand where the opportunities are and to manage the associated risks, you must first understand the trends in this rapidly evolving industry.  A panel of bankers will discuss the challenges of identifying the survivors in this segment and the management of existing portfolios through the implementation phase of the Affordable Care Act.

Lisa Davidson McKinnon, Senior Vice President and Senior Credit Officer, TD Bank, NA
Timothy P. Wade, Administrative Vice President, M&T Bank
Mark S. Worthen, Senior Vice president, Trustmark National Bank

Transformational Portfolio Management

Portfolio management has changed considerably over the years and methods that had once stood the test of time are no longer sufficient. The 21st century portfolio manager has to not only track the performance and behavior of their own customers, but must also closely follow what is trending at peer banks and the market as a whole. During this session, you’ll experience first-hand how a portfolio manager leverages data to facilitate stronger lending decisions, reduce credit risk, and increase loan revenue.

Jacques Sanchez, PhD., SVP/Portfolio and Finance Manager, Bank of the West
Doug Skinner, Director, Automated Financial Systems, Inc.


Managing the Risk of Regulatory Change                  

Now more than ever, institutions must address three primary questions relating to their compliance programs: 

Todd Cooper, VP and General Manager ERC, Wolters Kluwer
Sanjay Sharma, Chief Risk Officer, Global Arbitrage & Trading, RBC Capital Markets

Stress Testing for Your Institution

A well functioning stress testing program can provide great benefit. This session will:

William I. Nayda, Principal, Second Pillar Consulting
Cari Swann, VP, Risk Analytics, First Citizens Bank


Concentration Risk, Stress Testing, Early Warning Systems and, Indeed, Business Growth:  A Pragmatic/Unified Approach for Banks of all Sizes

One lesson learned from the recent financial crisis was that concentration risk is real and deadly.  Banks, large and small, fell victim to real estate concentrations unseen by traditional asset quality metrics.  Stress testing, powered by better data can provide smart early warning systems for measuring and monitoring concentrations, while also being an important tool in the bank's broader risk management processes and can support business development. This interactive session will propose a practical methodology to integrate the analysis of concentration pools with stress testing and the creation of meaningful early warning systems.

Rick Buczynski, Ph.D., IBISWorld Inc.
Robert Kennedy, Federal Reserve Bank of Atlanta (retired)

5:00 - 6:00 p.m.
Breakout Session Group II (Repeat of 4:00 p.m. Sessions) and Retail Session 4

Lending to The Health Care Industry

Transformational Portfolio Management

Managing the Risk of Regulatory Change

Stress Testing for Your Institution

Concentration Risk, Stress Testing, Early Warning Systems and, Indeed, Business Growth:  A Pragmatic/Unified Approach for Banks of all Sizes

CFPB Update (This session does not repeat)
Hear candid observations and receive practical advice from a practitioner from one of America's leading law firms. The session will provide insights related to regulation, supervision and enforcement.

Thomas Vartanian, Esq., Dechert LLP

6:00– 7:15 p.m.
Networking Reception in Exhibit Hall
 

Tuesday, November 19, 2013

7:00 a.m. – 8:00 a.m
Breakfast in Exhibit Hall

7:00 a.m. – 7:45 a.m.
Innovation Session  (includes breakfast)

Risk Data Challenges: How to Build Rigorous Risk Models with the Data You Have Right Now.

Banks are under increasing regulatory pressure to develop rigorous analytical models in various areas of risk management including capital stress testing, loan loss allowances, economic capital, and credit risk scorecards. However, risk modeling demands long and well-populated sets of data, and banks often find their data to be incomplete and tricky to compile from different information silos across the bank. You should not fall into the trap of thinking that these data challenges are insurmountable problems, because solutions for many data issues are more readily available than you may think. Join us to hear:

Sam Chen, Senior Consultant, Ambit Risk Institute, SunGard

The State and Direction of ERM

Results of a comprehensive range of practice survey on the state and direction of enterprise risk management will be covered. Hear what bank leaders are doing to ensure meaningful and practical gains from employing an integrated approach to measuring, managing, and monitoring risk at the enterprise level.

Many banks have developed centralized underwriting centers for smaller dollar lending over the past twenty years. This session will explore some of the different ways banks approach this, including areas that are serviced by these centers, the portfolio management responsibilities they have assumed, and whether efficiency alone is the determinant for organizing these units.

John O’Connor, Partner and Co-founder, Praxis Advisors
Mark Weber, Executive Vice President, PNC Bank, NA
Michael S. Weltzer, SVP and Wholesale Lending Services Executive, SunTrust Bank

At the heart of the organization lies its culture; and, certainly you will find it at the center of an enterprise risk management framework. RMA and Protiviti have recently aligned to conduct a survey of the topic and to provide practical insights into the makings of an effective risk management culture. This session will uncover what we have found and deliver guidance to help you assess where you are and where you might want to go.

Shaheen F. Dil, Ph.D., Managing Director, Protiviti

12:15 p.m. – 1:15 p.m.
Luncheon

1:15 p.m.
Conference Adjourns