COMPLIANCE UNIVERSITY Wednesday, June 22 Friday, June 24, 2016 Crowne Plaza Monroe, Monroe Twp., NJ

Transcription

1 COMPLIANCE UNIVERSITY 2016 Wednesday, June 22 Friday, June 24, 2016 Crowne Plaza Monroe, Monroe Twp., NJ Program and Biographies Wednesday, June 22, 2016

2

3 NJBankers Compliance University 2016 Wednesday, June 22, 2016 Program Morning Session 8:00 a.m. Registration/Continental Breakfast/Exhibits 8:30 a.m. Welcome/Introductions Erica Torres, CRCM Regulatory Compliance Wolf & Company, P.C. 8:30 a.m. TRID Update Richard Horn, Esq., Principal Richard Horn Legal PLLC 9:30 a.m. Networking Break with Exhibitors 9:50 a.m. Meet the Regulators: Hot Topics and Top Five Violations Kenneth J. Benton, Senior Consumer Regulations Specialist The Federal Reserve Bank of Philadelphia Thomas H. Clayton, National Bank Examiner (Compliance) Office of the Comptroller of the Currency Kevin G. McMahon, Senior Compliance Examiner 11:00 a.m. What s New in Regulatory Examinations and Enforcement Travis P. Nelson, Esq., Counsel Reed Smith LLP 12:00 p.m. Buffet Lunch/Registration

4 Afternoon Session 1:15 p.m. Welcome/Introductions Erica Torres, CRCM Regulatory Compliance Wolf & Company, P.C. 1:15 p.m. FDIC Case Study on UDAP Case Lead: Barbara M. Neenhold, Senior Compliance Examiner 4:30 p.m. Adjournment John Bryan, Compliance Examiner Kevin McMahon, Senior Compliance Examiner Maura Migliorini, Examination Specialist

5 NJBankers Compliance University 2016 Wednesday, June 22, 2016 BIOGRAPHIES (In Order of Appearance) Erica Torres, CRCM Wolf & Company, P.C. Erica Torres is a regulatory compliance senior manager in the firm s Compliance Services Group. Torres is responsible for developing and executing compliance reviews, training, and other compliance services for the firm s financial institution clients. She has performed compliance reviews of financial institutions in the New England area ranging in asset size from $50 million to over $5 billion. Torres has 10 years of experience performing compliance services for Wolf & Company, analyzing and evaluating institutions compliance with federal and state regulations. She has over 15 years experience in the banking industry and prior to joining Wolf, she worked at TD Bank. Torres has experience in numerous areas including the Bank Secrecy Act, USA Patriot Act, Electronic Funds Transfer Act, Truth in Savings Act, Fair Credit Reporting Act, Truth-in-Lending Act, Real Estate Settlement Procedures Act, Home Mortgage Disclosure Act, Equal Credit Opportunity Act and other regulations. She was also instrumental in the development, implementation and upkeep of the various retail and operational compliance audit programs. Torres is a graduate of the University of Massachusetts, Lowell and is a Certified Regulatory Compliance Manager (CRCM). Richard Horn, Esq. Richard Horn Legal PLLC Richard Horn led the final TRID rule (the TILA-RESPA Integrated Disclosures) while a senior counsel & special advisor in the Consumer Financial Protection Bureau s Office of Regulations (CFPB). Horn also led the CFPB s design and consumer testing of the integrated disclosures. He is one of the foremost experts on the rule. He is currently in private practice at Richard Horn Legal, PLLC. Prior to joining the CFPB, Horn was a senior attorney at the Federal Deposit Insurance Corporation (FDIC) in the New York Regional Office. At the FDIC, Horn worked on consumer compliance and risk management supervisory matters and enforcement actions, including TILA, RESPA Section 8, UDAP, and Fair Lending. He advises including banks, credit unions, non-bank mortgage lenders and brokers, secondary market participants, title underwriters and agents, and technology vendors on all state and

6 federal regulatory compliance matters for all consumer financial services and products. Horn advises on TRID, RESPA section 8 (MSAs, Affiliated Business Arrangements, etc.), Qualified Mortgage/Ability to Repay, Loan Originator Compensation, UDAAP, State high cost lending and licensing laws, and other Federal and State laws. He also advises clients on regulatory examination preparation, investigations, and enforcement actions, and also conducts TRID staff training. Kenneth J. Benton The Federal Reserve Bank of Philadelphia Kenneth J. Benton is a graduate of Indiana University in Bloomington, Indiana, where he majored in finance, and is a graduate of Tulane Law School in New Orleans, where he was a student editor of the Tulane Law Review. Benton is licensed to practice law in Pennsylvania. Before joining the Federal Reserve Bank of Philadelphia in 2005, he worked for law firms in the Philadelphia area, where his practice areas included consumer and commercial bankruptcies, commercial litigation, appeals, and trademarks. Benton has successfully argued appeals in federal and state appellate courts. At the Reserve Bank, he is the editor of Consumer Compliance Outlook, a Federal Reserve System outreach publication focusing on issues for financial institutions in complying with federal consumer protection laws and regulations. Benton has also worked on Community Banking Connections, a Federal Reserve System outreach publication focusing on safety and soundness issues for community banks. In addition, he works on regulatory matters relating to compliance with federal consumer protection laws, provides training on compliance issues to field examiners, participates extensively in outreach activities with bankers, and registers trademarks with the U.S. Patent and Trademark Office for the Reserve Bank. Thomas H. Clayton Office of the Comptroller of the Currency Thomas H. Clayton joined the OCC in 1999 and became a National Bank Examiner in Clayton is a full-time compliance examiner having led examinations in Consumer Compliance, Fair Lending, CRA and BSA at the community, mid-size and large bank levels. Clayton has also served as the Compliance Examiner-In-Charge for banks under OCC enforcement actions. Tom has been a presenter at banker outreaches held in the OCC s Northeast District. He is a Certified Anti Money Laundering Specialist (CAMS). He holds a Bachelor of Science Degree in Finance from Rutgers University. Kevin G. McMahon Kevin G. McMahon has over 20 years of experience in regulatory compliance. McMahon began his career with a large Northeastern U.S. based commercial bank as a compliance specialist with primary focus on fair lending. He subsequently served as a director of compliance for a $5 billion commercial bank for approximately seven years.

7 Prior to his arrival at the FDIC, McMahon was a senior compliance consultant for a leading Southeastern U.S. based consulting company for approximately four years. He joined the FDIC in 2008 in the Atlanta Field Office and transferred to the Jamesburg, NJ Field Office in January McMahon s primary responsibilities within the Division of Depositor and Consumer Protection include consumer compliance, fair lending, and community reinvestment. He serves as a compliance course instructor and coach for newly hired compliance examiners. In addition, McMahon has been a speaker at prior NJBankers Compliance Conferences and various FDIC Directors College events. He is a graduate of The College of New Jersey and received his Certified Regulatory Compliance Manager (CRCM) designation in November Travis P. Nelson, Esq. Reed Smith LLP Travis P. Nelson is an attorney in the financial services regulatory group of Reed Smith LLP. Nelson focuses his practice on serving financial institutions, and other companies, with regulatory compliance, examinations and enforcement defense. Nelson is a co-leader of the firm s Financial Institutions Enforcement & Investigations Task Force, and a Co-Chair of the International Trade & National Security Group. Nelson served in the Enforcement Division of the Office of the Comptroller of the Currency, in Washington, D.C. He is also adjunct faculty at the Villanova University School of Law where Nelson teaches Financial Institutions Regulation, is editor-in-chief of the ABA s Banking Law Committee Journal, and is a member of the board of the New Jersey Bar Association s Banking Law Section. Barbara M. Neenhold Barbara M. Neenhold has over 17 years of experience within the financial industry. Neenhold began her career in accounting, working first for a non-profit organization before moving into banking. Once in banking, she transitioned from accounting to audit with a total of seven years employed within the banking industry before joining the FDIC. Neenhold joined the FDIC in 2010 in the Jamesburg, NJ Field Office. Her primary responsibilities within the Division of Depositor and Consumer Protection include consumer compliance, fair lending, and community reinvestment. Neenhold has been a speaker at several Interagency CRA events, NJBankers events and has represented the FDIC at many Community Outreach events. She earned her Bachelor of Arts and Masters of business administration from Stockton University. Additionally, she earned the professional certifications of a Certified Community Bank Compliance Officer and a Certified Community Bank Internal Auditor from the Independent Community Bankers of America.

8 John Bryan John Bryan has over 15 years of experience in the financial services industry. Bryan began his career as an attorney, working for a law firm representing financial institutions and commercial real estate developers. He has also worked for a community bank, where he served in the capacities of in-house counsel, compliance officer, and BSA officer. Bryan joined the FDIC in 2011, in the Baltimore Field Office, and works in the Division of Depositor and Consumer Protection. His primary responsibility is as a compliance examiner conducting consumer compliance, fair lending, and Community Reinvestment Act examinations. Bryan earned his undergraduate degree at The Citadel, The Military College of South Carolina. He also holds a Master of Divinity degree from Southwestern Baptist Theological Seminary, and earned his Juris Doctorate from The Cumberland School of Law at Samford University. Bryan is admitted to practice law in the states of Maryland and Florida. Additionally, he earned the professional certifications of Certified Community Bank Compliance Officer and Certified BSA/AML Professional from the Independent Community Bankers of America. Maura Migliorini Maura Migliorini joined the FDIC in 1991 in the Philadelphia, Pa. Field Office where she served as senior compliance examiner before becoming an examination specialist for the New York Region in December Migliorini was commissioned in the risk management division and later transferred to compliance in She has served as examiner-in-charge of all types of institutions, including multi-billion dollar and smaller community banks; sub-prime and prime credit card issuers, and other specialty lenders, such as payday lenders. In Migliorinis current role as UDAP specialist, she has been involved in many complex cases involving unfair and/or deceptive practices by institutions with respect to add-on products, overdraft practices, credit card offerings, flood insurance premiums, and prepaid cards. Migliorini has represented the FDIC as a speaker for both state and local compliance organizations, has participated in the FDIC s Director s College, and has served as an instructor for new FDIC hires. She received the Certified Regulatory Compliance Manager Designation in Migliorini also received a M.B.A. in finance in 2000 from Temple University.

9 EVENT SPONSORED BY: ARC RISK AND COMPLIANCE Phone: Website: Contact: Rochelle Castagna ARC Risk and Compliance is a leader in anti-money laundering technology and compliance consulting, specializing in BSA, OFAC, KYC/CDD and 314(a). Many companies focus their efforts on technology or compliance, ARC Risk and Compliance fits right in between so that you have AML technology and compliance experts in one place. Many of our subject matter experts have more than 15 years experience, have worked for the AML software vendors in their careers and have experience in the AML software systems such as Actimize, Acuity, Amlock, Bridger, egifts, Fircosoft, Norkom/Detica, Mantis, Patriot Officer, Prime Compliance Suite, SAS, Sentinel, Surety, Verafin, and more. The scientific methodologies that guide our processes have been proven to be efficient in saving money, effective in maintaining a level of compliance excellence, and reputable to the regulators. Our approach couples compliance expertise and technology knowledge to bring our clients a strategic partnership ensuring a better rate of success. GRC SOLUTIONS Phone: Website: Contact: Ted Kawoczka tkawoczka@grcrisksolutons.com GRC Solutions is a consulting firm specializing in integrated risk management solutions. We deliver comprehensive products and full service solutions including enterprise risk management, operations risk management, risk assessments, BSA/AML programs and vendor management. Our primary clients are regional and community financial institutions with assets up to $5 billion. GRC Solutions serves financial institutions nationwide, with our primary markets in New Jersey, New York and Pennsylvania.

10 THE MERCADIEN GROUP Phone: Website: Contact: Sal Zerilli Mercadien is dedicated to helping financial institutions manage risk, maintain compliance and increase profitablility with a sophisticated, best-practice approach based on our extensive credentials and experience in the banking and regulatory compliance sectors. Financial institutions are highly regulated, and the costs of implementing proper policies, procedures and internal controls to ensure compliance with ever-increasing rules while protecting safety and soundness continue to rise. Your challenge is to address these issues and maintain your business standards without compromising competitive edge or profitability. As forward-thinking, relationship-driven experts in this field, Mercadien can assist your institution by providing cost-effective internal audit, regulatory compliance, risk assessment, BSA/ALM, IT and other consulting services. Benefit from engaging Mercadien, a foremost industry thought leader with a proactive and responsive client service culture. P & G ASSOCIATES Phone: Website: Contact: Amit Govil agovil@pandgassociates.com P&G Associates is a leading service provider of outsourced internal audit and risk management services exclusively dedicated to the community banking industry for the past 25 years. Our services cover a full range of activities including: BSA/AML, lending operations and compliance, deposit operations, regulatory compliance, cyber security/it risk, financial reporting, branch operations, and trust activities. Our proprietary web-based Internal Audit Management system, risk-based audit approach and risk assessment model, collectively provide a turn-key internal audit program which is customized to a client s specific needs. P&G s exclusivity to the banking industry provides its clients a unique subject matter expertise and depth on a wide range of issues to help manage the evolving risks and bring a value added functionality to the internal audit process.

11 RSK COMPLIANCE SOLUTIONS, LLC Phone: Website: Contact: Asaad Faquir RSK Compliance Solutions, LLC is a full service regulatory compliance consulting and monitoring firm, serving community financial institutions of all sizes. RSK s range of services include standard compliance monitoring, assistance with risk assessments, Q&A services through RSK.IQ, and compliance-related training for Board of Directors and Bank staff. Our experts can function in support of the Bank s in-house Compliance Officer or alternatively as part of a turn-key outsourced solution..

12 411 North Avenue East Cranford, NJ Jersey Bankers