9:00 - 10:00 a.m.

CEO Succession: Do You Have a Depth Chart You Believe In
Sean O'Neal (Chartwell Partners)

With CEO retirement and talent volatility at an all-time high, is your bank proactively seeking leaders with the abilities required for long-term success? In this session, we discuss key skill sets needed in the C-Suite to ensure a high performing culture and create bench strength. Specific topics include retaining top talent, developing leaders and C-suite succession planning.  

Building a Data Privacy Program
Kevin Streff (American Security) 

The Gramm-Leach-Bliley Act requires banks to design and implement an information security program to protect the confidentiality, integrity, and availability of data. Now, banks must build a similar program for data privacy. How does a board provide leadership and strategy in data privacy? The answers are provided in this session, including "What does a data privacy management program look like?, Are there management frameworks banks can follow?, and What is our data stewardship strategy?" 

This session provides an overview of data privacy management frameworks, and reviews a proprietary framework customized for banking. It will emphasize risk and vendor management practices to support data stewardship and leadership in the entire supply chain. This innovative session is sure to engage the audience through a series of questions to promote interaction and learning, and speaks in non-technical terms to the audience. In addition to slides, a handout of an Information Privacy Program diagram is provided to all attendees to promote learning and knowledge transfer so banks can take action when they get home.   

Preparing for a Potential Economic Downturn: Credit Administration Action Items
Doug Wagler (Forvis Mazars)

Best practices for banks to consider for loan and credit administration.

Financial Firm Implications of GPT and Large Language Models
Connor Heaton (SRM)

Implications of GPT and other large language models for banks.

10:15 - 11:15 a.m.

Immunity to Change: Focused Leadership Strategies to Help You Drive Personal and Organization Performance
Chris DiLorenzo (The James Paul Group)

In today's rapidly changing banking landscape, the hallmark of exceptional leadership comes down to self-evolution, dedication to fostering growth in others, and the art of crafting resilient, agile teams. This is a crucial shift in perception from the traditional ideas that revolve solely around commanding authority or strategic decision-making. Instead, it's about the continuous journey of growth. 

Join us as we share proven insights into why personal and organizational change can be so difficult, even when we're highly motivated to change. We will introduce the concept of "immunity to change" and provide a framework for identifying and overcoming the hidden barriers that prevent us from making desired changes.

Compliance Management for the C-Suite
Kelly Goulart and Apryl Salazar (IBAT)

Compliance requirements and regulatory burden are making it more difficult than ever to comply and that is why a successful compliance program starts with the C-suite. Even for smaller banks, the regulatory expectations are growing by the day and leadership from senior management is essential. Join us as we discuss how to set your program up for success and dive into some regulatory hot topics that should be on your radar.

Monday, October 7, 2024

2:00 - 3:00 p.m.

Best Practices for Interest Rate Risk
Luke Mikles (The Baker Group)

In an environment where the Federal Reserve's actions and market expectations create a delicate balance for community banks, managing interest rate risk (IRR), liquidity, and performance simultaneously is crucial. This session navigates the intricate relationship between these elements, offering practical insights on tackling the challenge. Explore interest rate risk issues, anticipate exam expectations, and safeguard earnings in diverse rate environments. Equip yourself to address these interconnected concerns effectively and ensure the resilience of your community bank. 

Check Fraud on the Rise - Ways to Protect Your Customers and Bank
Guy Becker (Kristopher James Company) 

Preventing check fraud requires diligence on product, process and people.  Most education focuses on process/software.  Our presentation discusses/teaches ways to help minimize check fraud through people and product.

Session topics include:

• For equity owners of banks who either want to sell or pass on ownership to the next generation, we will discuss new tax strategies, optimization strategies and how to build ownership mentality within the team. Our goal for the owner is to leave on their terms or create a liquidity event that will benefit them and allow them to stay should they choose. We now have more options than ever to do both. 
• Many depositors/clients own businesses and many of the relationships are only with the business owners. The second part of our presentation will address strategies on how to widen the relationship. To create offerings that will entice the next generation to stay a part of the bank. Our goal for the bank is to not lose the relationship when the primary depositor either sells a business or passes away. 
• Unique investment opportunities for trust departments and clients offered through BAM's Family Office model. We have worked to enhance these options and create diversification within the trust offerings. 

Monday, October 7, 2024

3:15 - 4:15 p.m.

Under Pressure: Cost of Funds Strategies for Any Rate Environment
Dr. Sean Payant (Haberfeld) and Shannalea Taylor (The Bank & Trust of Del Rio)

With high interest rates an ongoing reality for community banks, a not-so-polite knife fight continues to simmer for core deposits and other viable sources of low-cost funding. Ever-increasing deposits costs, margin compression, and host of additional factors are combining to erode banks' profit margins. Is there hope? Yes. During this session, we will examine actionable strategies your team can implement immediately to succeed now and in the future.

Session topics include:

• Strategies to reduce margin compression and, over time, lower cost of funds.
• Understanding the economic and environmental impacts to your community bank's balance sheet and profitability.
• Executing an ongoing plan to growing low-cost deposits and non-interest income.

Attorney Panel
Derek McGee, Moderator (Origin Bank), Chet Fenimore (Fenimore Kay Harrison LLP), Bruce Toppin (Holland & Knight LLP), Sandy Brown (Alston & Bird LLP) and Josh McNulty (Hunton Andrews Kurth LLP) 

Moderated by Origin Bank's Sr. Executive Officer and Chief Legal Counsel Derek McGee, several of the state's leading banking lawyers will conduct a panel discussion covering the hottest legal and regulatory topics facing community banks in Texas these days.

Consumer Spending, a Driving Force to Commercial Lending
Bobby Martin (Vertical IQ)

In 2024, very few things remain predictable. One truth that continues to stand the test of time is that the economy starts and stops with the consumer especially when consumer spending contributes 68% to GDP. Join us for a discussion on the impact of human nature and consumer spending has on the commercial lending world. Find out who are anticipated to be the winners and the losers in the Commercial lending sector. 

Optimizing Onboarding & Cross-Selling in Banking: A Roadmap to Deeper Relationships
Tricia Hrotko (Digital Onboarding)

Banks typically prioritize new account acquisition over deepening existing relationships. Even those institutions with onboarding and cross-selling programs still often rely on brochures, mailers, and phone calls. That might have worked in 2007, but it doesn't anymore. You need an omnichannel onboarding process to ensure a seamless transition between channels, including mobile apps, websites, and in-branch visits.

This session will show you what a best-in-class onboarding experience looks and feels like in the Digital Age, including the timing, messaging, and tools needed to turn new account openers into deep, profitable relationships. You'll see how the most advanced institutions are leveraging data analytics to create personalized onboarding journeys for customers.

This session will teach banking executives:

• The onboarding and cross-selling mistakes many banks make (and why they fail).
• How, when and where to implement cross-selling and upselling within the onboarding process.
• How points of friction during a customer's first 90 days are your worst enemy, and how to fix them.
• Predictive strategies to recommend next-best products based on customer signals and their initial path-to-purchase.
• How to integrate the principles of gamification into your onboarding process.
• The onboarding and cross-selling metrics you need in your KPI dashboard.