Sunday, September 25, 2022
9:00 - 10:00 a.m.
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Track
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Session Details
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Leadership & Strategy |
The Future of Economic Inclusion: How FinTechs and Community Banks Can Address Economic Inequality
Gene Ludwig (Promontory MortgagePath LLC) and Christy Bussey (IBAT)
Sponsored by College Ave Student Loans
Community banks are integral parts of their communities—strengthening their local economies by supporting customers and businesses in the communities they serve. Yet many still struggle to reach un- or underbanked parts of those communities. Through their platforms, many fintechs have the potential to reach into underserved communities to offer banking services and access to capital. Working together, and in partnership with financial regulators, community banks and fintechs have an incredible opportunity to harness and scale innovation to increase economic inclusion and social mobility. During this fireside chat, speakers will discuss why economic inclusion is critical for thriving communities, new innovations and what community bankers should look for when evaluating financial technology for adoption at their institution.
Session Outline:
- Review the current landscape and why inclusion is important for thriving communities;
- Regulators’ role(s) in helping advance innovation; and
- Exciting opportunities to partner with fintech companies .
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Risk Management |
Prevalent CFO Concerns in the Changing Landscape of Community Banking
Paul Davis, Moderator (SRM); Evan Hankins (First National Bank of Central Texas); and Steven Nutt (Community National Bank & Trust Of Texas)
Sponsored by Compliance Pathways
Leadership challenges, attracting talent, technology, metro versus rural markets and the regulatory, geopolitical economic environment continue to impact the CFO’s strategic decisions. This CFO panel will provide insight into how they address today’s challenges.
Session Outline:
- Scenario planning that banks are taking to meet the challenges of the current economic conditions;
- Best practices banks need to reignite growth in 2023; and
- Technology strategies for bank automation and future predictions.
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Performance |
Balancing Loan Growth & Loan Quality in Uncertain Times
David Ruffin (IntelliCredit)
Sponsored by MoneyGram
Description: TBD
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Technology
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Payments 101
Matt Davies, CTP, AAP, APRP, CPP (Pegasus Bank)
Sponsored by ProcessMaker
Perhaps no topic is more complex than payments, with its influence on the present and future of financial services. In this session, we will go back to basics in order to help bankers understand the many facets of payments and navigate the future for their institutions.
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Sunday, September 25, 2022
10:15 - 11:15 a.m.
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Leadership & Strategy |
CDFI Certification for Banks
Brian Blake (Community Development Bankers Association)
Sponsored by College Ave Student Loans
The Community Reinvestment Act has become a hot topic in 2022. This interactive workshop offers an overview of the current CRA regulation, identifying community development opportunities, developing a CRA action plan, assessing community needs and determining performance context factors.
- Latest changes to CRA Regulatory Requirements; and
- Expectations Community Development Overviews.
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Risk Management |
Compliance Horizon for 2023
Julia De France (RSM US LLP)
Sponsored by Compliance Pathways
Community banks continue to experience an unprecedented degree of regulatory change and complexity. Between shifting expectations and increasing regulatory obligations, horizon scanning with comprehensive regulatory compliance solutions has never been more important. This session will cover compliance hot topics and what to expect from the regulatory compliance landscape in 2023.
- Fair Lending, shifting to a fair banking approach, fairness in appraisals and Section 1071 Small Business Data Collection;
- Expectations and recent examination trends related to the Fair Credit Reporting Act; and
- Deposit compliance, discussion on NSFs and representment of insufficient funds items and expectations for Regulation E error resolution.
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Performance |
Balance Sheet Management in Today’s Environment
Dale Sheller (The Baker Group)
Sponsored by MoneyGram
With inflation hovering near 40-year highs, the Federal Reserve started their aggressive tightening cycle in March. Banks are faced with the higher probability of continued rate hikes until inflation gets under control. Loan and bond durations have extended as bankers searched for yield as balance sheets were flooded with liquidity during the historical lows in interest rates. Regulators have taken notice of the heightened interest rate risk profiles and will likely refocus on Interest Rate Risk Management during their upcoming examination cycle. The broad-based session will focus on the challenges banks face in managing liquidity, interest rate risk and the investment portfolio in the face of rising and potentially volatile interest rates. Topics will include:
- Market and Yield Curve Update;
- Industry Trends for Balance Sheets;
- Strategies to Effectively Deploy Excess Liquidity During a Challenging Rate Environment; and
- Best Practices for Interest Rate Risk Management to Ensure Regulatory Compliance.
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Technology |
Cybersecurity Strategy: Fear-vs-Awareness
Cal Roberson (CalTech)
Sponsored by ProcessMaker
We all hear about the latest attack that sparks new fears and oversight from regulators, possibly even new requirements from cyber insurance providers. We need to focus on first things first: start with cybersecurity fundamentals. Doing so can mitigate over 85% of cyber-attacks and up to 99% of account compromises. What fundamentals? Which ones are too often overlooked? Join us in this session as we provide actionable strategies to take back to your bank.
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Monday, September 26, 2022
2:00 - 3:00 p.m.
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Leadership & Strategy |
Teams That Work: The Six Characteristics of High-Performing Teams
Chris Dilorenzo and Tom Grant (The James Paul Group)
Sponsored by College Ave Student Loans
Have you ever wondered why some teams always seem to succeed while others tend to flounder and never reach their potential? Why some teams see to work smoothly together while others tend to bicker and not get along? Studies have shown that high performing financial institutions have teams that work closely together. High performing teams have a balanced focus on both task (ability to do your job) and people (ability to work with others). The degree to which task and people are present in all six characteristics indicates how well the team performs; and strong team performance requires balancing both task and people. The Six Characteristics Model helps managers determine how to find and maintain an effective balance between the two and how to ensure your team is the one that succeeds, not the one that flounders. Please join us for this informative program that will help bank leaders build high performing teams.
Session Outline:
- The Six Characteristics of High Performing Teams;
- Framework for what it takes for a team to work together and produce great results; and
- See how well your team stacks up in each of the six characteristics.
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Risk Management |
Texas Financial Crimes Intelligence Center: Crime Trends
Adam Colby (Financial Crimes Intelligence Center)
Sponsored by Compliance Pathways
This session will cover prevalent fraud scams that are sweeping Texas. Hear from Adam Colby, the FCIC’s Chief Intelligence Coordinator, on the partnership between the Texas Department of Licensing and Regulation (TDLR) and the Smith County District Attorney’s Office, as they coordinate law enforcement investigations into credit card skimmers, as well as other forms of fraud across the state and beyond. The goal: to help banks better track fraud.
Session Outline:
- How your bank can benefit from the Financial Crimes Task Force ;
- Training offered from the Financial Crimes Task Force; and
- How to become involved in fighting fraud in Texas.
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Performance |
How Do You Eat the NIM Elephant? One BP at a Time
Barry Adcock and Mark Swanson (Deluxe Corporation)
Sponsored by MoneyGram
The past two years have presented bankers with numerous challenges. Among them being the significant compression of your Net Interest Margin (NIM). As the yield curve steepens and the likelihood of tightening by the Fed increases, NIMs will begin to rise from their historic lows. But not all financial institutions are positioned the same. Not all financial institutions will have a plan to optimize their NIM for the long term. Some will leave basis points on the table. In this session veteran bankers Mark Swanson and Barry Adcock will share strategies, tactics and tools to help you optimize your NIM. They will draw on their experiences, as a former CEO/CFO team during The Great Recession, during which they increased their bank's NIM from 2.95% in 2009 to 4.11% in 2014, one Basis Point (BP) at a time.
- How to tackle compression of Net Interest Margin (NIM);
- Strategies for long-term optimization of the balance sheet ; and
- Toolkit to help you Enhance NIM.
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Technology |
The Intersection of Community Banking and Fintech
Neeraj Vohra (Latitude38 Venture Partners); Matthew Smith (IBAT); and Bill Briggs (IBAT)
Sponsored by ProcessMaker
Venture capital investment in fintech has been increasing since 2017. New financial technologies and businesses continue to develop and grow that intend to disrupt traditional consumer banking/lending, payments and investment advisory products, among many others. This session will discuss the venture capital view of fintech and how recent trends are affecting how venture capitalists are investing in fintech businesses.
- Funding dynamics across various fintech sectors;
- Major fintech investments in 2022;
- Commentary on prevailing funding environment; and
- Important sectors to watch going forward.
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Monday, September 26, 2022
3:15 - 4:15 p.m.
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Leadership & Strategy |
Past, Present and Future: Managing Change in Your Organization
Christopher Williston (IBAT)
Sponsored by College Ave Student Loans
Description: TBD
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Risk Management |
Bankers on the Front Lines Against Human Trafficking
Heather Bellino (Texas Advocacy Project, Inc.) and Terri Luttrell (Abrigo)
Sponsored by Compliance Pathways
Human trafficking is one of the fastest growing illegal crimes in Texas. It is of special importance to the AML/financial crime prevention community that is tasked with the detection and reporting of human trafficking money laundering red flags. Financial institutions are in a unique position to serve as a line of defense against these crimes.
Session Outline:
- The characteristics of human trafficking;
- How to identify the various types of human trafficking and the related impact on its victims;
- Detection strategies for human trafficking through financial transactions and other red flags; and
- How to successfully manage or report a potential human trafficking incidence.
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Performance |
Show Me the Money! Retaining Talent in 2022
Kathy Smith (Bank Compensation Consulting – BCC)
Sponsored by MoneyGram
Whether it is enforcement efforts, or other internal or external pressures, companies today need sound pay equity practices to prevent pay-related issues in the workplace. This presentation offers guidance on the analysis of compensation data and tips on how to employ best practices in fair pay. Kathy Smith, founding Principal with Bank Compensation Consulting, will discuss steps companies can take to correct inequities.
Session Outline:
- How recent fair pay legislation impacts organizations;
- How to proactively identify and address pay inequity; and
- Best practices for managing fair pay requirements.
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Technology |
What the Executive Team Can Do to Proactively Manage Cybersecurity
Chris Bedel (Bedel Security)
Sponsored by ProcessMaker
Cybersecurity is one of the top risks we face as community banks. As a leader at your organization, it can often be overwhelming to do your part to ensure that this area is being managed effectively and efficiently. In this session, we’ll cover the top things that executive management can do to make information security a priority.
Session Outline:
- How to establish a culture of security;
- Questions you should be asking your IT staff;
- What reports should you be reviewing and how frequently; and
- What should be going to the board, and how frequently.
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