| Thursday, June 27
10:30-11:30 a.m.
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Leadership/Strategy |
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Managing the Balance Sheet in Uncertain Times
Dale Sheller, The Baker Group
It has been over two years since the Federal Reserve started their most aggressive tightening campaign since the early 1980s. The interest rate movements were both quick and great in magnitude. Banks saw their margins expand in 2022 and then start to contract in 2023 as balance sheets eventually felt the full impacts of the rapid rate movements. Many believe the Federal Reserve is done raising rates as it has been nearly a year since the last rate hike. Is your balance sheet ready for the next cycle?
This session will discuss:
- Current interest rate environment
- Banking trends
- Investment strategies for today's environment
- Best practices for asset liability management programs to ensure a favorable regulatory examination
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Operations
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Leveraging Banktech Partnerships to Drive Success (Panel)
Matthew Smith, IBAT (Moderator), Tanner Mayo, FedFis, Mary Williams, Texas First Bank and Zane Smith, American Bank
How can community banks utilize the best technology solutions to differentiate themselves in the current environment, while also ensuring sound risk management practices? During this session, we will discuss how technology solutions can help banks drive deposit growth and new customer acquisition. We'll also review some of the third-party risk considerations when partnering with banktech providers.
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Risk Management
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UDAAP, It is not a Dance move!
Julia Sheehan, RSM US LLP
From deposit junk fees to lending junk fees, overdrafts, remittance transfers and dark patterns, the constant pivoting on UDAAP hot buttons can feel like you’re learning the latest dance craze in your efforts to protect consumers while providing valuable products and services. This session will highlight emerging focal points for UDAAP claims and offer tips on how to keep up with the ever changing tune of regulatory focus.
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Credit/Lending
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Benefits of SBA and USDA Guaranteed Lending
Steve Martens, BAFS and Mark Patterson, USDA
This session will discuss:
- Benefits of USDA and SBA Lending (Lender and Borrower)
- Understanding How Guarantees Work
- Types of Loan Programs (General Overview)
- Understanding the Secondary Market - How to Grow Liquidity
- Facilitating the Process - Originating and Funding Guaranteed Loans Should Not be Difficult
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| Thursday, June 27
1:30-2:30 p.m.
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Leadership/Strategy
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Leading the Charge: Military Leadership Principles for Banking Success
Joe Beard, Collateral Edge
Join us for "Leading the Charge: Military Leadership Principles for Banking Success," where Joe Beard, former Army Captain and business executive, will reveal how battle-tested military leadership strategies can transform your banking operations. This session will equip you with practical principles and powerful leadership tactics that are easily adaptable to enhance the efficiency, resilience and success of your banking team.
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Operations
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Data Driven Targeted Marketing
Nancy Nesbitt, AccuBranch and Rebecca Foster, Rain Local
This session will discuss:
- The importance of data and information to create strong marketing campaigns
- Strategic objectives driving data needs
- A deep dive into available data and analytics methodology including competitive intelligence
- Tactical use of data and information to craft a strong targeted marketing campaign
We link multiple data points demonstrating fact-based intelligence as the basis for Bank marketing strategy and campaign deployment.
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Risk Management
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Change Management
Kelly Goulart and Apryl Salazar, IBAT
From regulatory change to products and services to core changes, change management affects every area of your institution. Banks should ensure a collective approach to identifying, prioritizing, communicating, and monitoring/mitigating risk associated with changes as part of an organized risk management approach.
Join IBAT's Compliance Team, Kelly Goulart and Apryl Salazar, as they present on Change Management: A How to Guide and Why it's Important.
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Wildcard
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Behind the Curtain on PAC, Politics and the Political Process
Bill Briggs and Wendy Foster, IBAT
The IBAT GR team invites you to step behind the curtain on state and federal politics. Learn what’s going on, in some cases why it’s happening and how you can get involved to help shape policy (effecting or affecting) for Texas community banks.
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Friday, June 28
7:30-8:30 a.m.
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Leadership/Strategy
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Leadership Change on the Horizon?
Christopher Williston, IBAT
Companies and people are constantly evolving - it's the inevitable. As a leader, this is your opportunity to help your team navigate through uncharted waters while they adapt to change. Learn how clear communication and managing expectations during seasons of change can help you successfully lead and move your company forward as you keep an eye on the bigger picture.
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Risk Management |
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Navigating Your Next Regulatory Examination: Stories from a Former Bank Regulatory Attorney
Jera Bradshaw and Robert Flowers, Bradley Arant Boult Cummings LLP
The regulatory environment has taken a more aggressive turn. Bank examiners are scrutinizing all facets of bank operations, including concentration risk, third-party relationships, CRA, fair lending, BSA/AML, capital, and other compliance-heavy bank functions. We will discuss and best practices for responding enforcement matters. We will discuss real situations and offer perspectives on how to work with the regulators in an advantageous manner.
Topics Include:
- How to prepare for the examination process
- Best practices for responding enforcement matters
- Situational examples
- Perspectives on how to work with the regulators in an advantageous manner
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Friday, June 28
10:45-11:45 a.m.
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Leadership/Strategy
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Communicating in a Crisis
Patrick Dix, Shazam
Recent bank failures meant most banks were thrust into the spotlight even though they hadn’t done anything wrong! It’s the latest in a string of stories that have put banks in the headlines. So why isn’t the coverage better and why were so many banks unprepared to communicate with the general public about any of it? |
Operations
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Reg E: Disputes and What Everyone is Talking About
Amy Koshiol and Ryan Alexander, CLA
This session will discuss risk management for areas within disputes, common mistakes and issues. |
Risk Management
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Building a Culture of Cybersecurity
Cal Roberson, Integris
There will always be a target on banker's back. Your efforts to stay vigilant and constantly fortify your cybersecurity measures will be the difference between safeguarding your data and a breach. From executives to customer support, it is paramount to always instill a culture of cybersecurity awareness. Learn more about what will create success for your bank and what has led banks to fail in the past. |
Credit/Lending |
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Behind the Headlines: Understanding the Student Loan Landscape and What it Means for Your Customers
Bill Ayers, CollegeAve and John Chen, Experian
Few financial topics have gotten as much attention over the past three years than student loans. After a lengthy pause, federal student loan payments resumed in October 2023, so what better time than now to discuss the challenges facing the sizable population of student loan borrowers. This population goes well beyond students currently attending college and includes every generation, including Boomers!
As the burden of student loan debt continues to grow, equipping students and families with the knowledge and skills to manage their finances effectively is essential for their long-term financial well-being.
Topics Include:
- Update on recent student loan news, announcements and considerations for bank customers
- Review of national higher education trends
- The results of a consumer credit analysis of student loan debt for bank customers
- How customers can obtain the financing they need, discuss the best time to refinance existing loans and most importantly, tools to manage their credit
- Provide banks with actionable strategies for educating and assisting customers
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Wildcard
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Project Management Deep Dive
Matthew Smith, IBAT
In this breakout session on Introduction to Project Management, we will dive into the fundamental principles and best practices of overseeing projects effectively. Discover key concepts such as project initiation, planning, execution, monitoring, and closure, essential for successful project delivery. Gain insights into practical tools and techniques to manage timelines, resources, and stakeholders, empowering you to navigate projects with confidence and achieve desired outcomes.
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Friday, June 28
1:30-2:30 p.m.
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Leadership/Strategy
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Building Culture Among Your Team
Chris DiLorenzo, The James Paul Group
Unlock the potential of your team with this transformative training session focused on building a unified and positive team culture. During this dynamic session, participants will learn essential strategies to foster collaboration, enhance communication, and cultivate a shared sense of purpose within the team.
Key learning objectives:
- Explore the fundamental principles of effective collaboration and teamwork
- Understand how a cohesive team can drive success and innovation
- Define and articulate the core values that will shape your team culture
- Establish trust and accountability as the foundation for a positive team culture
- Understand pivotal role of leadership in shaping and sustaining team culture
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Operations
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AI in Community Banking
Jeremy Hopwood, 5ironCyber
A comprehensive discussion aimed at exploring the current landscape, adoption, and governance frameworks surrounding artificial intelligence (AI) within community banking institutions. This session dives into how AI technologies are being assessed and integrated into the operations of community banks, along with the future of AI in banking.
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Risk Management
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Enhancing Third-Party Risk Management: How to Safely Onboard and Partner with Fintechs According to Updated Regulatory Guidance
Shawn Ryan, SRA Watchtower
Third-party relationships can offer community banks access to new technology, tools, products and services. However, these relationships are being scrutinized more and more intensely by regulators, and it’s become increasingly important for banks of all sizes to have sound risk management practices in place before entering a third-party fintech relationships.
Join SRA Watchtower as we discuss the recently released Third-Party Risk Management Guide for Community Banks. We’ll focus on how to leverage this guidance for fintech relationships. Join us for this thought leadership session to learn:
Topics include:
- An Overview of the May 2024 Regulatory Guidance on Third-Party Risk Management
- Industry landscape for fintech relationships
- Expert insights on how the guidance relates to fintech relationships
- Key elements of risk management in terms of fintech relationships
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Credit/Lending
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Community Bank Lending Hotspots - Current Issues and Solutions (Panel)
Sarah Long, First National Bank of Ballinger (Moderator), Cory Flencher, Citizens State Bank, Zach Gilbert, Texas Bank and Trust and Wade Julian, Community National Bank & Trust of Texas
Join this group energetic bankers for a conversation about the current lending hot topics and actionable solutions. They each have a story to share with you.
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Wildcard
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Project Management Panel
Matthew Smith, IBAT (Moderator), Laura Acosta, Texas First Bank, Sarah Preston, Ozona Bank and Brittani Springer, Central National Bank
Join our banker panel of project management experts for an insightful discussion on navigating the complexities of modern project management. Explore diverse perspectives and strategies for overcoming common challenges, enhancing team collaboration and delivering projects on time and within budget. Whether you're a seasoned project manager or new to the field, this dynamic exchange promises to provide valuable insights and practical tips for success in today's dynamic business landscape.
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