Your bank's registration for the October 5-7 unCONVENTIONal program includes access to all Ed @ Your Desk sessions listed below.

Is my bank registered?

If your bank is not on the list, you can register below and receive full access to all of the unCONVENTIONal content (including three general sessions, regulator and attorney panels, business meeting, BOCB celebration and awards) plus full access to any or all education sessions below. Individual Ed @ Your Desk session registration is available for each session below per session. Member price: $295; Leadership Division member price: $245; non-member price: $395. Click the option that works best for you:

- OCTOBER 2020 -


October 13
10:00 a.m.

Reference Based Pricing - The Right Way
Jay Kempton | AHPT

Reference based pricing (RBP) is a cost-containment strategy catching the eye of many employers. This approach can help employers level the playing field and increase pricing transparency, which can lead to significant savings for your bank. Jay Kempton, administrator for Advantage Health Plans Trust, will present the way RBP can change the economics of healthcare, how to implement RBP the right way and provide you with the tools to be an RBP expert.
October 13
2:00 p.m.

ACH Liability Basics
Michael Jeffcoat | ePay Resources
Michael Jeffcoat of ePay Resources will lead this discussion of understanding and managing your bank's liability as an RDFI. He'll speak to C-suite attendees, as well as share some "nitty-gritties" for operational staff. 
October 15
10:00 a.m.

Insights from 2020 Debit Issuer Study
Richard Green | PULSE

As financial institutions grapple with the uncertainty created by the COVID-19 pandemic, debit use is surging in card-not-present environments. Join PULSE VP-Business Development Richard Green as he presents this and other insights from the 2020 Debit Issuer Study. Takeaways include:
  • How issuers are performing in key metrics of card penetration, active rate and usage;
  • Critical role debit plays in generating non-interest income for bank; and
  • Why consumers are increasingly turning to debit in non-traditional purchase channels.
October 20
10:00 a.m.

Estimating Loan and Lease Losses During an Economic Crisis
Jerry McMillon | CLA (CliftonLarsonAllen LLP)

Jerry McMillon will conduct a review of expectations used to estimate the allowance for loan and lease losses under GAAP during an economic crisis. He will discuss recent loan modification guidance, documenting qualitative and environmental factors and impaired loan identification. He will also provide guidance and best practice recommendations for managing risk in consumer, real estate and commercial loan portfolios.
October 20
2:00 p.m.

Making Your Bank More Profitable Through Culture    
Brandon Kinsey | Kinsey Management, LLC

How can culture help your bank become more profitable? By decoding people and connecting them to your business. In this session we will explore how top organizations use talent optimization to define core values, reward behavior, increase engagement, build trust, create meaningful action, and communicate effectively. Leaders have the unique opportunity to shape, cement and leverage their company culture to create the greatest impact for their organization. We will share how culture drives business by defining not just “who you are” but “what you do."
October 22
10:00 a.m.

Seeing Across the Abyss: How to Get Your Bank to the Other Side
Peter Weinstock | Hunton Andrews Kurth

In response to the pandemic, financial institutions should take steps to see that robust strategies are in place. Topics to be covered will include credit administration, risk mitigation, regulatory expectations, loan underwriting, portfolio management, Allowance for Loan and Lease Losses (ALLL) and critical elements of problem loan management. The presenter will also reflect on capital, accounting, liquidity, stress testing, earnings, people and examination considerations that every bank must keep top-of-mind.
October 27
10:00 a.m.

Accounting and Tax Update on the Impact of COVID-19 Loan Programs on Banks and Their Borrowers  
Gordon Dobner | BKD, LLP

In this session, we will discuss the impacts of COVID and CARES Act related programs on banks and their borrowers, including:
  • PPP loans and forgiveness; 
  • Tax relief; 
  • Loan deferral program; and
  • What auditors will be focused on due to COVID.
October 27
2:00 p.m.

Protecting Your Branches: Implementing a Risk Assessment Program to Safeguard Employees, Customers and Assets    
Mary Gates, CFSSP, CHPA-III | GMR    

All banks, bank facilities, bank customers and employees are confronted with a certain level of risk concomitant with various threats. The threats may be the result of natural events, accidents or intentional acts to cause harm and create havoc. Threat, vulnerability and risk are terms that are inherent to security programs. But frequently, organizations get their meanings confused. Following this session, security managers will understand the relationships between threats, vulnerabilities and consequences so they can effectively manage the impact of an event - and manage the risk. Attendees will learn about physical security and crime risk assessments and why a risk assessment program is needed for branches, ATMs and people centers, various approaches to the risk assessment process and the eight key elements to assess and mitigate risk.
 October 29
10:00 a.m.

Evolution of the Cash and Payment Cycle     
Zeenan Green | Glory Global Solutions

Glory has been involved in the cash cycle for more than 100 years. That said, what we have seen so far is nothing compared to the game-changing disruption that is to come. Cash 4.0 will take us on a journey through the cash cycle, from the past to the present, and will show us a glimpse of how the cash cycle could evolve. Our journey will jump back 10,000 years to the time when bartering was born and will end with a vision of the future, describing what is coming the next 10 years. We’ll talk about:
  • What have been the different stages of the cash cycle over the years and how have they evolved?
  • Who are the key players and how have their roles changed?
  • Where are we now and where is the cash cycle heading?
  • Who could bring the next disruption to the cash cycle?

October 29
2:00 p.m.

Workplace Update - an Attorney's Perspective    
Erica E. Valladares | Langley & Banack, Inc.   

An overview of the latest topics or trends in employment law, including a brief review of the Supreme Court case confirming “gender identity” and “sexual orientation” fall within the protections against sex discrimination; issues related to the paid sick time/paid leave benefits under the FFCRA; and free speech and social media in the workplace. 

- NOVEMBER 2020 -

November 3
10:00 a.m.

Understanding Paying for College
Kevin Moehn | College Ave Student Loans    

Learn what general guidance you can give your families, employees and customers on paying for college. Discover how COVID-19 has changed traditional sources of financial aid and forced families to consider others that they wouldn't have otherwise. Find out how Texas community banks can be involved in helping customers navigate through these issues.
November 3
2:00 p.m.

BOLI: Bank Owned Life Insurance    
Kathy Smith, Kelly Earls, Rob Barton and Jason Varnell | Bank Compensation Consulting    

From traditional executive benefit plans to capturing tax advantaged yield, learn what strategic methods banks are using with BOLI during this current environment.  BCC will outline both the asset and non-qualified benefits for key officers. 
November 5
10:00 a.m.

Small Business Bankruptcy Reorganization Act    
Dan Callahan | Kessler & Collins, P.C.    

This recent statute created a new sub-chapter of the Bankruptcy Code. It is now much easier, faster and cheaper for eligible debtors to confirm a reorganization plan that would otherwise draw objections from creditors. The CARES Act temporarily (until March 2021) raised the ceiling on the amount of debt a debtor can have to $7.5 million and qualify for this new option. Important revisions include eliminating creditor votes on a plan, accelerating the speed with which a plan can be confirmed, stretching out time available to pay unsecured debt, eliminating many grounds for creditors to object, allowing equity owners to keep their interests and eliminating the “absolute priority rule.” The statute strongly encourages debtors and creditors to agree on treatment. The presentation will talk about these and other significant changes, as well as help banks prepare for what is expected to be an increasingly common type of bankruptcy proceeding filed by small businesses as the “COVID Recession” works its way through the economy.
 November 5
2:00 p.m.

The State of Financial Marketing in 2020
Todd Weiss and Zach Gabelhouse | Deluxe Corporation

Join Todd and Zach in this session where they will review the state of financial marketing in 2020 as well as key marketing trends in the financial services space. Todd and Zach will discuss: 
  • The key marketing priorities for the next 12 months and into the future 
  • The biggest challenges facing marketers due to COVID-19 and how to address them 
  • A snapshot on the digital maturity of Financial Institutions and what bets Financial Institutions are placing in digital
  • Key trends in marketing
 November 10
10:00 a.m.

Upside Down Thinking on Efficiency: Changing Priorities to Drive Results
Preston Afrank | Haberfeld

Financial institution executives spend considerable time thinking about strategies to improve efficiency in order to improve overall profitability. Often, this includes a focus on expense reductions. Once a financial institution can no longer materially improve its efficiency ratio by further reducing costs, what’s next? Maybe it’s time to take a step back and realize some fundamental business dynamics that are often ignored in our industry – strategies to increase overall income without increasing expenses. Key points that will be addressed include:
  • Explore specific strategies to improve your institution’s ROA and ROI;
  • Understand methods to significantly increase core customer acquisition; and
  • Utilize data to understand the impact of customers on overall profitability.
November 10
2:00 p.m.

When the Dust Settles: Post-Election Recap Panel    
Christopher Williston, Steve Scurlock, Meredyth Fowler   

Join members of the IBAT staff and Rob Blackwell, former editor-in-chief of American Banker and current director of content at IntraFi (formerly Promontory Interfinancial Network) for an exclusive panel, filled with post-election analysis.
November 12
10:00 a.m.

From HR to PR: How to Deal With Difficult Conversations and What To Do When They Turn Into Public Debates    
Jackie Rolow, SPHR and Patrick Dix | SHAZAM    

Social unrest, a global pandemic and the economic consequences of both are impacting your bank in so many ways. In the coming weeks and months, bankers may be faced with any number of difficult conversations. This session will explore how to navigate those situations internally by building communication skills and foundational relationships with employees and customers. Plus, when conversation and discussion around these sensitive topics turn public, we'll talk about how to develop a communications strategy that anticipates difficult questions, helps you develop thoughtful responses and handles negative feedback from customers or the community.
November 17
10:00 a.m.

How to Strengthen Residential Lending Operations and Return to Profitability in Today's Environment    
Jordan Higgins and Bryan DeShasier | Promontory MortgagePath   

As the COVID-19 impact continues to reverberate, banks are making significant adjustments to their business models, seeking efficiency gains, and exploring innovative strategies to improve all components of performance. During this time of disruption, there is an opportunity to manage costs and deploy resources to accelerate mortgage origination growth and scalability. Strategic partners can empower organizations to improve and expand upon their product offerings while increasing productivity and profitability. How can delegating mortgage fulfillment to trusted experts help banks seamlessly manage the fluctuations in loan volume while continuing to exceed customer expectations? During this session, join panelists as they analyze the current state of the mortgage industry and explore solutions for implementing efficient, profitable residential lending operations.
November 17
2:00 p.m.

How You Are Going To Succeed In Pandemic Business Lending    
Brendon Dibella, Sanjay Bhaskar | Streetshares

Needless to say, the pandemic has had a profound impact on community bankers and the business customers they serve.  Now that PPP and Forgiveness are everyday parts of helping your business customers, what is next?
What is happening to “normal” business lending?  Will it be back anytime soon? Will you be ready?
Along with answers to these questions, Brendon and Sanjay will share what they are hearing from innovative community bankers.  We will discuss the products and processes that are key to success for community bankers to succeed with their business customers in this unprecedented time of change.
November 19
10:00 a.m.

Let's Talk Marketing         
Edna De Saro, Lone Star National Bank |  Randi MItchell, Legend Bank | Karen Partee, Texas Bank & Trust | Rob Birgfeld, ICBA (moderator)

Join a panel of bank marketing leaders for a discussion on what modern marketing means, how to justify existing and expansion of marketing resources – and what COVID-19 has meant to the marketing and communications functions. This roundtable discussion will also cover social media activation, measurement best practices and strategies toward building a successful marketing team. Learn from those in the trenches, doing the work, and advancing marketing to meet the needs of today’s consumer.

November 19
2:00 p.m.

The New Normal of Cybersecurity in the Age of the Remote Workforce/ Now and Then: Impact of COVID-19 on Cybersecurity in Banking    
ZB Serrato, Director of Information Security | CalTech    

With the shift in today's business landscape, it’s more important than ever to ensure every network is safeguarded from frequent online threats. If you’re seeking solutions to help protect your data and maintain productivity, know that we’re in this together and are here to help provide best practices to keep cybersecurity at the forefront. Join Dell Technologies for an in depth look at cyberthreats looming within the banking industry and the recommendations for your branch to strategize against them.

- DECEMBER 2020 -


December 1
10:00 a.m.

What We Have Learned About FS Industry in the Post-Pandemic Marketplace    
Diebold Nixdorf    

We have all heard the term “new normal” but what does it mean for the financial industry? What did we learn about the various banking channels, specifically self-service, that will help us sustain environmental disruptors in the future? How customers choose to do business with their FI is changing rapidly across physical and digital channels and with this radical change is an ongoing journey for banks and their customers to determine what the “new normal” means to them. Success in the marketplace hinges on an agile approach and understanding of how FIs can optimize their operations for customer acquisition, engagement and retention. However, what about the element of surprise? What can you do to prepare and future-proof your FI now to ensure that existing strategies remain intact and relevant, while utilizing resources effectively and at low cost. In this session, you will learn:
  • Best practices that should be considered in the face of an environmental disruptor;
  • How to establish, document and implement a contingency plan to protect your FI, assets and consumers; and
  • How to create flexible strategies that utilize all facets of the branch, such as video, deposit automation and mobile, in order to continue delivering the best experience your customers have come to expect.
December 1
2:00 p.m.

Commercial Lending Trends and Observations Across Texas   
Bill Quadrini, Product Specialist, Credit Risk Services, S&P Global Market Intelligence 

Join us for opportunity to explore a variety of risk factors across the U.S. community banking landscape and understand key considerations as you evaluate your footprint heading into 2021. S&P Global Market Intelligence has leveraged a suite of Credit and Lead Generation frameworks to understand the Texas market opportunity heading into 2021 and key credit considerations across obligors and industries for local community banks to identify potential opportunities while mitigating risk given the uncertain market conditions. 
Key areas we’ll cover:  
Texas Economics: State of Business, economics, credit view 
Texas Opportunities: C&I and CRE opportunities across Texas potentially maturing in 2021 
Texas Credit Health: Views by industry for the sampled C&I opportunities in 2021 
Texas Obligor Case Study: Business-level reporting to assess upcoming C&I businesses in the context of current market conditions
December 3
10:00 a.m.

Making the Change to Digital - What Banks Should Know to Address the Post-COVID Acceleration of Technology Transformation    
Erin Fonte | Hunton Andrews Kurth

This session will explore critical legal and agreement issues for bank operations, digital channel products and technology vendor issues involved in migrated banking products that are currently physically based into online and digital channels. The session will first address as a threshold topic creating ESIGN and electronic signatures in a compliant and legally enforceable manner for consumer and customer-facing agreements. Next, it will discuss what suites of consumer and commercial products many financial institutions are moving into digital channels. Finally, the session will address technology vendor legal and contracting issues and considerations for bank’s current and potential future technology service vendors, particularly in a post-COVID environment.
December 3
2:00 p.m.

Understanding Best Practices and Reducing Liability Risk for Bank Officers and Directors        
Chet Fenimore | Fenimore, Kay, Harrison & Ford, LLP

Regulatory expectations for boards of directors have never been higher.  The presentation will cover the basic fiduciary duties that govern the conduct of bank directors and officers.  Moreover, it will also provide practical guidance and best practices on how to establish an effective corporate governance framework that is an important component of discharging fiduciary duties and reducing liability risk for bank directors and officers. 

December 8
10:00 a.m.

Payments amid Pandemonium   
Shawn Dillon | FiTech; Tina Giorgio | ICBA; Pat Gray | TIBMatt Davies | Pegasus Bank
The world of payments has been changing significantly in recent years, and the pace of change has been further accelerated this year by the pandemic. Financial institutions and their customers are focused on electronic payments as they continue to adjust to the “new normal.” Checks continue to decline, card payments are evolving in a number of ways, and the U.S. continues to march toward faster payments. This panel of experts will provide attendees with an overview of the current state of the payments system, how it has been impacted by the pandemic, and where things are headed. 

December 8
2:00 p.m.

Ways to Fight Back Against Margin Compression
Matt Harris | The Baker Group

This session will include a brief economic update along with a discussion of balance sheet management, deploying excess liquidity and portfolio strategy.

December 10
10:00 a.m.

Fintech Is Dead. Long Live Fintech.    
Christopher Williston | IBAT; Tanner Mayo | FedFIS

Did COVID-19 kill the fintech movement? The way that you answer this question may determine the future of your bank and the way it meets the needs of customers and shareholders in the future. During this Ed. @ Your Desk conversation, IBAT President and CEO Christopher Williston sits down with Tanner Mayo, president of FedFIS, to talk about the state of technology in banking and outside of banking. They’ll talk about the challenges and opportunities that banks face in implementing new technology and the most common mistakes they make when doing so. And, they’ll explore where banks should look next in evaluating their needs in a post-COVID world (whenever that comes).

December 15
10:00 a.m.

Uncover Hidden Treasure in Your Vendor Contracts    
Kelly Flynn | JMFA    

Given the challenges facing community banks today, there is an urgent need to find reliable ways to cut costs. Are you looking for ways to find additional revenue? In this session, you’ll discover practical advice for securing savings in your vendor contracts without creating additional workload. Plus, you’ll gain insights as to how community banks are maximizing their vendor relationships. More importantly, given the current challenges and need to find ways to boost the bottom line, you’ll learn how to ensure your bank is getting the very best deal to help you succeed in both the short-term and years to come.

Key learning objectives include:

  • Ideal time to start the contract negotiation process;
  • Common misconceptions and why savings opportunities are often missed;
  • What should be on your checklist for saving time and money on your vendor contracts; and
  • Real-world examples of how community banks are reinvesting new savings
December 15
2:00 p.m.

Opening, Closing, Relocating - Oh My! Positioning Your Branch/ATM Network for the “New Normal”    
Mike Goman | Accubranch LLC    

Online banking, once a convenience, is now a necessity. The drive-thru fell out of favor but is now a requirement. Recent events are rewriting the book on how your customers interact with your bank, and more change is just over the horizon. The pandemic accelerated many trends that were already occurring; however, your customers have new and evolving expectations, and you’ll need to develop an effective response if your bank is going to stay ahead of the competition. Is your branch network keeping up? Join us for a dynamic session about what’s going on out there, and how you can position your service channels to respond effectively and efficiently to this new landscape.
December 17
10:00 a.m.

Loan Portfolio Management Panel
Grigoris Karakoulas  | InfoAgora Inc.; Ty Maxfield | Texas Bank and Trust; Will Miller | FirstBank Southwest

In an unprecedented manner, our robust, prosperous economy went into a deep recession almost overnight due to the COVID 19 pandemic. This huge change in the lending and credit risk environment means that community bank loan policies and procedures should also be shifting and changing just as quickly. Join our panel discussion with an excellent group of credit professionals for insights and strategies into managing your loan portfolio during this time.  

 December 17
2:00 p.m.

Recognizing Elder Abuse & Fraud    
Terry Rooker | Senior Housing Crime Prevention Foundation, Inc.

Elder financial abuse is growing faster than ever with new scams popping up daily around the COVID-19 virus as our nation contends with this pandemic. Seniors citizens are already being affected disproportionately in many ways. The banking community is reaching out to their local areas to see what they can do to help right now.  We will discuss:
  • Types of financial abuse,
  • Common scams and schemes;
  • How it occurs;
  • Who are likely targets, and also likely abusers;
  • Warning signs that a senior may be getting financially exploited;
  • Tactics to help seniors avoid this type of fraud; and
  • What to do and where to report it if it does happen.

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