tennessee bankers association third annual 2013 Compliance Conference October 8 & 9, 2013 Nashville Airport Marriott Nashville A Whole New World

Transcription

1 tennessee bankers association third annual 2013 Compliance Conference October 8 & 9, 2013 Nashville Airport Marriott Nashville A Whole New World

2 tennessee bankers association s third annual 2013 Compliance Conference October 8 & 9, 2013 Nashville Airport Marriott Nashville Keeping up with the latest regulatory changes and compliance issues can be more than a full-time job. For those exposed the past few years to an avalanche of change like no other in recent history changes to the rules, forms, disclosures, industry supervisory structures, and exam expectations; it is an overwhelming challenge. In response, the Tennessee Bankers Association has developed the 2013 Compliance Conference to help identify the compliance challenges of financial reform and to meet these changes with sensible solutions. This two-day conference, now in its third year, will bring together a diverse group of topics and solutions. The presenters are nationally recognized experts, local and regional regulators and examiners, and experts in the various areas of compliance. Each year, the conference builds upon its value as a venue offering an educational and shared knowledge experience addressing the most current issues, both local and global, facing our banks. The program is set to be one of the finest compliance programs available and one that is convenient for our membership to attend. You will not want to miss this event! Who Should Attend Compliance officers, loan administration personnel, loan operations personnel, lenders, auditors, senior level officers, and others who have the primary responsibility of meeting the regulatory compliance requirements covered in these conference topics. The content is structured for those with intermediate to advanced levels of experience. A Whole New World 2013 Compliance Committee Committee Chair: Linda Scholl, Vice President, Compliance/BSA/Audit, Brighton Bank, Brighton David Barnes, Senior Vice President, Chief Operations Officer, Civic Bank & Trust, Nashville June Crowell, Member, Crowell & Crowell, PLLC, Scholl Franklin Connie Edwards, President, Banc Compliance Group, Inc, Franklin Nina Gourley, Audit Manager, Watkins Uiberall, PLLC, Memphis Amy G. Greene, Senior, Assurance Services, Kraft CPAs PLLC, Nashville Rebecca Jones, Vice President/Compliance Officer, First Community Bank of Bedford County, Shelbyville Mark McDowell, Senior Vice President, Chief Compliance Officer, Commerce Union Bank, Springfield Darlene Noe, Vice President, Compliance Officer, Jefferson Federal Bank, Morristown Chris Phillips, Vice President, Compliance & BSA Officer, Macon Bank and Trust Company, Lafayette Alecia Purtteman, Manager, Alexander Thompson Arnold, PLLC, Milan Lynn Riddle, Consultant, Scott Consulting, PLLC, Jackson Tina Stalion, Vice President/Compliance Officer, Carroll Bank and Trust, Huntingdon Doris Waldo, Senior Vice President, Operations, First Bank of Tennessee, Spring City Scott Williams, Partner, Attorney, Rudy, Wood, Winstead & Williams, PLLC, Nashville

3 agenda Tuesday october 8 8:00 am Registration/Continental Breakfast Sponsored by KraftCPAs PLLC, 8:30 am General Session Welcome Colin Barrett, Executive Vice President, Tennessee Bankers Association, Program Overview Linda Scholl, Vice President, Compliance/BSA/Audit, Brighton Bank, Brighton, TN 8:45 am Washington Update Rod Alba, III, Vice President, Mortgage Finance & Senior Regulatory Counsel, American Bankers Association, Washington, DC 9:45 am Break Sponsored by Integra Software Systems, LLC, Franklin, TN 10:00 am CFPB Update James Carley, Southeast Regional Director, Consumer Financial Protection Bureau, Washington, DC 11:00 am Breakout Sessions Third-Party Risk Management Michael Berman, CEO, Network Contract Solutions LLC, From a compliance perspective, participants will learn how to perform a proper risk assessment, identify critical vendors, conduct proper due diligence, develop sound policy and procedures, and successfully monitor for ongoing compliance. UDAAP Matthew A. Evans, President/CEO, Bankers Service Corporation, Lexington, KY This session will include extended coverage of abusive acts, as well as, the effect on deposit accounts, loans, and marketing. Participants will learn how to perform a risk assessment of common products and services that are at a higher risk of UDAAP violations and how to implement controls to mitigate these risks. Comprehending the New Mortgage Lending Final Rules Session I of II Joey Croom, Supervisor, Crowell & Crowell, PLLC, This session will take a comprehensive look at the key issues associated with the CFPB s new qualified mortgage/ability to repay rules, including addressing small creditor exemption, and the future of balloon payments under the new rules. With January 2014 fast approaching, this session is a must! Fair Lending What s Going on Now from Washington Everett L. Fields, Fair Lending Examination Specialist, Dallas Region, Federal Deposit Insurance Corporation, Dallas, TX Rachel Webster, Director of Examinations, Supervision and Regulation Department, Federal Reserve Bank of Atlanta, Atlanta, GA This session will cover recent updates and the latest in expectations of fair lending from the various regulators, including common violations, best practices for in-house reviews, and monitoring. 12:15 pm Lunch 12:45 pm Lunceon Speaker Greg Gonzales, Commissioner, Tennessee Department of Financial Institutions, 1:45 pm Break 2:00 pm Regulatory Panel Moderator: Michael Davis, Senior Manager, Audit, Kraft CPAs PLLC, Rafael Valle, Consumer Protection Field Supervisor, Nashville and Knoxville Territory, Federal Deposit Insurance Corporation, Jennifer Littleton, Director of Examinations, Supervision and Regulation Department, Federal Reserve Bank of Atlanta, Atlanta, GA Joel T. Palmer, Assistant Deputy Comptroller, Southern District, Office of the Comptroller of the Currency, Atlanta, GA 3:15 pm Breakout Sessions Third-Party Risk Management - Repeat Michael Berman, CEO, Network Contract Solutions LLC, UDAAP - Repeat Matthew A. Evans, President/CEO, Bankers Service Corporation, Lexington, KY Comprehending the New Mortgage Lending Final Rules Session I of II - Repeat Joey Croom, Supervisor, Crowell & Crowell, PLLC,

4 3:15 pm Breakout Sessions Fair Lending What s Going on Now from Washington - Repeat Everett L. Fields, Fair Lending Examination Specialist, Dallas Region, Federal Deposit Insurance Corporation, Dallas, TX Rachel Webster, Director of Examinations, Supervision and Regulation Department, Federal Reserve Bank of Atlanta, Atlanta, GA 4:30 - Reception 5:30 pm Sponsored by Banc Compliance Group, Inc, Franklin, TN Wednesday october 9 8:30 am Continental Breakfast Sponsored by Alexander Thompson Arnold, PLLC, Milan, TN 9:00 am General Session Program Overview Linda Scholl, Vice President, Compliance/BSA/Audit, Brighton Bank, Brighton, TN Senior Bank Compliance Officer Panel Moderator: Connie Edwards, President/Owner, Banc Compliance Group, Inc, Franklin, TN Heather Ledbetter, Compliance Officer, Commercial Bank & Trust Co, Jackson, TN Mark McDowell, Senior Vice President, Chief Compliance Officer, Commerce Union Bank, Springfield, TN Chris Phillips, Vice President, Compliance & BSA Officer, Macon Bank and Trust Company, Lafayette, TN Nancy Spears, Assistant Vice President & Senior Compliance Officer, Wilson Bank & Trust, Lebanon, TN 10:00 am Break 10:15 am Breakout Sessions: Managing Emerging Technological Risks from a Compliance Point of View Steve Miller, Supervisory Examiner, Dallas Region, Federal Deposit Insurance Corporation, Dallas, TX This session will explore emerging technological risks from the compliance officer s perspective such as social media compliance, mobile banking, privacy concerns, website compliance, and advertising. Hot Topics in HMDA Mary Neil Price, Member, Dickinson Wright PLLC, Loretta Kirkwood, Managing Director, CrossCheck Compliance, LLC, Chicago, IL This session will cover expected changes to the LAR; the new focus on data integrity; and other violations, error rates, and penalties. Deposit Compliance Hot Topics Greyson Tuck, Associate, Gerrish McCreary Smith, PC, Memphis, TN Do you lose sleep over Regulation E? You won t after this session. Tuck will provide an overview of Reg E and Reg E hot topics including debit card fraud, identity theft, error resolution, remittance transfers, overdraft programs, direct advances, and prepaid cards. Other topics include important aspects of deposit compliance, such as garnishments, advertising, and regular review of disclosures. This informative session will give you the tools to help your bank minimize regulatory risks in this area. Recent Updates on Appraisals and Flood Insurance Requirements Eric Collinsworth, Owner, Appraisal Advisory Associates, LLC, Arrington, TN Craig Callahan, Partner, Floodplain Consultants, Inc, Brownsburg, IN Collinsworth will focus on very timely issues concerning interpreting the final rulings on Regulations B & Z the impact on community banks and how these regulations will interact with Dodd-Frank and the Interagency Appraisal and Evaluation Guidelines. Callahan will answer questions on how these relate to flood concerns. Comprehending the New Mortgage Lending Final Rules Session II of II Connie Edwards, President/Owner, Banc Compliance Group, Inc, Franklin, TN Edwards will take a comprehensive look at the issues associated with the CFPB s changes to existing HOEPA and HPML provisions under Regulation Z, including the challenges associated with the revisions to the loan originator compensation rules and the new TILA escrow rules. With January 2014 fast approaching, this session is a must! 11:30 am Lunch Topic TBD Blair Rugh, Director of Tricomply Compliance Services, Trinovus, Orlando, FL 1:00 pm Break

5 1:15 pm Breakout Sessions: Managing Emerging Technological Risks from a Compliance Point of View - Repeat Steve Miller, Supervisory Examiner, Dallas Region, Federal Deposit Insurance Corporation, Dallas, TX Hot Topics in HMDA - Repeat Mary Neil Price, Member, Dickinson Wright PLLC, Loretta Kirkwood, Managing Director, CrossCheck Compliance, LLC, Chicago, IL Deposit Compliance Hot Topics - Repeat Greyson Tuck, Associate, Gerrish McCreary Smith, PC, Memphis, TN Recent Updates on Appraisals and Flood Insurance Requirements - Repeat Eric Collinsworth, Owner, Appraisal Advisory Associates, LLC, Arrington, TN Craig Callahan, Partner, Floodplain Consultants, Inc, Brownsburg, IN Comprehending the New Mortgage Lending Final Rules Session II of II Connie Edwards, President/Owner, Banc Compliance Group, Inc, Franklin, TN 3:00 pm Conference Adjourns Our Sponsors stay connected Tuesday October 8 Crowell & Crowell, Franklin, TN Printed Booklets KraftCPAs PLLC, Continental Breakfast Integra Software Systems, LLC, Franklin, TN Morning Coffee Break Banc Compliance Group, Inc, Franklin, TN Reception & Mobile App Wednesday October 9 Alexander Thompson Arnold, PLLC, Milan, TN Continental Breakfast General Sponsors Floodplain Consultants, Inc Brownsburg, IN D+H Mortgagebot, LLC, Mequon, WI Scott C. Williams, Esq, General Sponsor Scott C. Williams, Esq Check out our conference mobile app scan the QR COde to download The TBA is offering a new event app for this year s conference. Get connected in 3 steps: Download the Guidebook app for your iphone, Blackberry, or Android phone Link to our event with the redeem code: Compliance13 Enjoy custom schedules, program maps, speaker bios, push notification reminders, and extended information about this year s program! For more detailed information or questions visit: Sponsored by Banc Compliance Group, Inc, Franklin, TN

6 Save the Date Sr Compliance Officer Forums As the senior compliance officer for your bank, you need to stay upto-date on all compliance issues affecting financial institutions. Your job requires many skills, much experience, and a lot of research and hard work and no one knows that better than other people in your position. The Senior Compliance Officer Forums provide an opportunity to benefit from your peers. Registration Deadline: October 30 F November 13, Session 1 F February 19, Session 2 F May 6, Session 3 F August 12, Session 4 For more information, contact: Debbie Brickles dbrickles@tnbankers.org 800/ or 615/ TBA Compliance Connection TBA created the Compliance Connection to provide members of the Tennessee Bankers Association with an online venue where they can share compliance advice, issues, documents, and current activities. Become a STAR member Members of the TBA Senior Compliance Officer Forums have access to additional information on the Compliance Connection. Debbie Brickles (dbrickles@tnbankers. org) about joining the forums and gaining access to these benefits. Continuing education credit Attendants qualify for 12 hours of Continuing Professional Education (CPE) credit in the area of Specialized Knowledge and Application. No advanced preparation required for this program. In accordance with the standards of the National Registry of CPE Sponsors, CPE credits have been granted based on a 50-minute hour. For more information regarding administrative policies or complaints, please contact our offices at 615/ Tennessee Bankers Association is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be addressed to the National Registry of CPE Sponsors, 150 Fourth Avenue, North, Suite 700,, Web site: This program has not been pre-approved for ICB CE credits. Attendants who require ICB credits should go to membercereview for further instructions. To obtain continuing education credit applications or more information, call the TBA education department at 800/ or 615/ GENERAL INFORMATION Attire: Business casual attire is appropriate for all TBA programs. Because of temperature variations in meeting rooms, please bring a sweater or jacket for your comfort. Program Availability: Due to hotel guarantees and material production, reservations received less than 5 days before the program will be subject to space and material availability. Special Needs: If you have a special need that may affect your participation in this program, please send TBA a statement regarding any special needs at least 10 days before the program. We will contact you to discuss accommodations. Cancellation Policy: Cancellations received in the TBA office 5 business days prior to the scheduled program will be refunded in full. Due to commitments with hotels, cancellations received less than 5 business days prior to the scheduled program are not refundable. Substitutions are welcome. Registrants who do not attend the program or send a substitute will be responsible for the entire registration fee. additional Information No advanced preparation or prerequisites required Method of Delivery - Group-live Program Level: - Intermediate to Advanced

7 Hotel Information The Nashville Airport Marriott, 600 Marriott Drive, Nashville, is headquarters for the conference. The Nashville Airport Marriott is holding a limited block of rooms on a first-come, first-served basis at a special group rate of $125 per night. The deadline for making reservations is Tuesday, September 17. When the allotted room block is sold out, room rates return to standard prices on a space-available basis, even if it is before the September 17 deadline. All unreserved rooms will be released for general sale at midnight on September 17. Any reservation received after that date will be accepted on a space- or rate-available basis. Please make your overnight arrangements early to assure you receive the TBA special rate. To reserve your accommodations, contact the hotel directly at 615/ and specify that you are attending the Tennessee Bankers Association s 3rd Annual Compliance Conference. Parking: Hotel self-parking is complimentary. Program fees Fee covers instruction; continental breakfast, refreshment breaks, and lunch on both days; and reception on Tuesday. Please TBA Members / Associate Members Nonmembers Early Registration $440 $880 Early registration deadline is September 24. Registration $470 $910 Day-of-Program $520 $960 register early as seating is limited. Day-of-Program registrants will be assessed an additional $50 late registration fee. No written confirmation of seminar registration will be sent from the TBA. Participation in TBA programs is limited to members, associate members, and nonmembers from an eligible membership category at applicable member or nonmember rates. For more information about this program, contact: Debbie Brickles - dbrickles@tnbankers.org Vice President and Director of Training and Development Tennessee Bankers Association 211 Athens Way, Ste / or 615/ or compliance conference October 8 & 9, Nashville Airport Marriott, Nashville Must be included. Please print or type. List name and badge nickname for each attendant. For educational tracking only. Last 4 digits only: Nickname Nickname Nickname Nickname Company Contact Address City State Zip Phone Fax TBA / Associate Members Nonmembers Early Registration $440 $880 Early registration deadline is September 24. Registration $470 $910 Day-of-Program $520 $960 Method of payment: VISA MasterCard Check Ck# Card # Exp Date Name as appears on card (please print) Card billing address City State Zip Signature 4 ways to register! 1. Register online at 2. Scan this form and it to mjenkins@tnbankers.org 3. Mail this form to the address above 4. Fax this form to 615/ TOTAL Enclosed Please make check payable to Tennessee Bankers Association. Return completed form and payment to: Tennessee Bankers Association Attn: Monique Jenkins 211 Athens Way, Ste Phone: 615/ or 800/