2016 Banking Institute

Transcription

1 2016 Banking Institute Wednesday, March 30 5:30-7:30 p.m. Opening Reception hosted by Kane Russell Coleman & Logan PC, Dallas and Houston [Punch Room, 15 th floor] Thursday, March 31 10:30 a.m. Registration and Coffee [Ballroom Prefunction] 11:00-11:15 a.m. Opening Remarks [Salon II & III] 11:15 a.m. - 12:30 p.m. Community Banking [Salon II & III] 12:30-1:00 p.m. Lunch [Salon I] Richard D. Callicutt II, Bank of North Carolina, High Point, NC Lynn Harton, United Community Bank, Greenville, SC Bradley J. Miller, United Community Bank, Blairsville, GA James W. Stevens, Troutman Sanders LLP, Atlanta, GA (coordinator) This panel will discuss some of the challenges faced by community banks, including the current challenges in the regulatory environment; growth and diversification; what happens at $10 billion; and the impact of lawsuits against directors. 1:00-2:00 p.m. Bank Counsel Remarks [Salon I] Gregory B. Jordan, The PNC Financial Services Group Introduced by: Edward P. O Keefe, Moore & Van Allen PLLC, Charlotte, NC Jordan is executive vice president, general counsel, and chief administrative officer of The PNC Financial Services Group. He is responsible for overseeing all of the legal functions for the corporation. In addition, he leads PNC s relationship with the government, including its regulatory affairs, regulatory policy and government affairs operations. In February 2016, he was named to the additional role of chief administrative officer where he oversees PNC s corporate ethics office, the PNC Foundation, Community Affairs, and the Office of the Regional Presidents. Prior to joining PNC in October 2013, Jordan was the global managing partner of Reed Smith, and chairman of the senior management team and executive committee. Jordan received his undergraduate degree from Bethany College and his J.D. from the University of Pittsburgh. 2:00-2:15 p.m. Break [Ballroom Prefunction] 2:15-3:30 p.m. Bank Conduct, Culture, and Governance [Salon II & III] Beth S. DeSimone, CommunityOne Bancorp, Charlotte, NC David F. Freeman, Jr., Arnold & Porter LLP, Washington, DC Edward P. O Keefe, Moore & Van Allen, Charlotte, NC (moderator) Gregg Rozansky, The Clearing House, New York City, NY William Vreeland, Bank of America, New York City, NY This panel will explore diverse topics relating to bank culture and governance, including regulatory developments in the United States and Europe, recent culture initiatives, the G-30 Report on Culture and Conduct, oversight and credible challenge by Boards of Directors, the burgeoning responsibilities of bank directors, and shareholder activism.

2 3:30-3:45 p.m. Break [Ballroom Prefunction] 3:45-5:00 p.m. A Banker s Guide to Cyber Insurance and Data Security Issues [Salon II & III] Thomas H. Bentz Jr., Holland & Knight LLP, Washington, DC Jeffrey D. Haas, Holland & Knight, Washington, DC (moderator) Sarah W. Harmon, First Community Bancshares, Inc., Bluefield, VA Christopher Liu, AIG Property and Casualty, New York City, NY Jena M. Valdetero, Bryan Cave, Chicago, IL This panel will provide an overview of what you need to know about data security, with a specific focus on claim trends, cyber insurance policies, and what coverage may best suit your company s needs. Panelists include outside counsel experienced in data security and reviewing and negotiating cyber policies, an insurance industry claims expert, and an in-house risk management professional, who will engage in an interactive discussion designed to answer your cyber security and insurance questions. 5:00-6:00 p.m. Reception [Ballroom Prefunction] This opportunity to mix and mingle with the participants, including program speakers and the law students who produced the North Carolina Banking Institute journal is always a highlight of the Banking Institute. 6:00 p.m Banking Institute Annual Dinner* [Salon I] *This is a separately ticketed event, but it is included without additional charge for all speakers, students, those attending as corporate sponsors, or on other special admission rates. Please consider attending to spend more time meeting and talking with colleagues and to hear the after-dinner remarks. The Fifth Annual George and Susan Beischer Address Mick Mulvaney '92, U.S. Representative, South Carolina Introduced by: Martin H. Brinkley, Dean, UNC School of Law Congressman Mick Mulvaney '92 was first elected in November 2010 to represent South Carolina's 5th District. He currently serves on the House Financial Services Committee as well as the House Oversight and Government Reform Committee. Congressman Mulvaney graduated with a degree in Economics, Commerce, and Finance from Georgetown University and a J.D. from UNC School of Law. He is a serial entrepreneur, having started four businesses. His private sector experience is across many fields including law, real estate, homebuilding, and restaurants. In the Beischer Challenge, George and Susan Beischer agreed to match up to $1 million of grifts and pledges to the Center for Banking and Finance. The gift was completed in In honor of this transformative gift to the Center, its board of advisors voted to name the after-dinner address at the annual Banking Institute in honor of the Beischers. We are pleased that the Beischer Address is an annual opportunity to honor the memory of George and Susan and remember their generosity.

3 Friday, April 1 7:15 a.m. Coffee and Breakfast [Salon I] 8:30-9:45 a.m. Bankruptcy for Bankers [Salon II & III] Luis M. Agosto, Wells Fargo, Charlotte, NC Joseph N. Callaway, United States Bankruptcy Judge, Greenville, NC Emily R. Culler, Bank of America, Los Angeles, CA Leonard H. Gilbert, Holland & Knight LLP, Tampa, FL (coordinator) Richard Levin, Jenner & Block LLP, New York City, NY (moderator) This group will provide a review of the Supreme Court s five bankruptcy decisions from the lasts Term and some courts of appeals decisions of interest to bankers and their lawyers, including bankruptcy authority, mortgage strip-down, treatment of undistributed cash in Chapter 13 cases, and dischargeability. 9:45-10:00 a.m. Break [Ballroom Prefunction] 10:00-11:00 a.m. The Donald C. Clifford, Jr. Distinguished Lecture on Consumer Law [Salon II & III] Kelly Thompson Cochran 01, Consumer Financial Protection Bureau (CFPB) Introduced by: Martin H. Brinkley, Dean, UNC School of Law Kelly Cochran '01 is the Deputy Assistant Director for Regulations at the Consumer Financial Protection Bureau (CFPB). She came to the CFPB from the U.S. Treasury Department, where she worked on the policy staff on financial reform and consumer protection issues. Prior to joining Treasury in November 2009, Ms. Cochran practiced law with the firm of WilmerHale in Washington, D.C., with a focus on consumer financial services regulatory counseling and litigation. Ms. Cochran served as law clerk to the Honorable David S. Tatel on the United States Court of Appeals for the D.C. Circuit and the Honorable James Robertson on the United States District Court for the District of Columbia. She is a graduate of the University of North Carolina and the UNC School of Law.. The Clifford Distinguished Lecture on Consumer Law was established by the UNC School of Law and friends following Professor Clifford s death. Donald Clifford was the Aubrey L. Brooks Professor and served as a faculty member of Carolina Law from 1964 to 2004, specializing in commercial and consumer law. He founded the law school s very successful Festival of Legal Learning and served as a member of the Board of Advisors for the Center for Banking and Finance. 11:00-11:15 a.m. Break [Ballroom Prefunction] 11:15 a.m. - 12:30 p.m. Bank Mergers & Acquisitions [Salon II & III] Todd H. Eveson, Wyrick Robbins Yates & Ponton LLP, Raleigh, NC Gary McNorrill, Banks Street Partners, Charlotte, NC Glenn Morrical, Tucker Ellis, LLP, Cleveland, OH M. Patricia Oliver, Tucker Ellis, LLP, Cleveland, OH (moderator) Patricia A. Robinson, Wachtell, Lipton, Rosen & Katz, New York City, NY The panel will provide insights on the number and type of M&A deals and trends, the quest for regulatory certainty, updates on the current regulatory process for both regional and community-sized deals, and takeaways or lessons learned from recent approval letters. 12:30-2:30 p.m. Center for Banking and Finance Board of Advisors Luncheon Meeting (for members of the Center s Board of Advisors or their designees) [The Den]

4 2016 Banking Institute Speaker Biographies Luis M. Agosto Wells Fargo Luis M. Agosto is senior counsel in the litigation and workout division of the Wells Fargo law department. As a team member of the commercial workout section, he works closely with the bank s commercial workout teams for several lines of business, including wholesale banking, business banking, wealth, and Wells Fargo equipment finance. Prior to joining Wells Fargo, Agosto was a member of Moore & Van Allen, concentrating his practice on bankruptcy and financial restructuring. Agosto spent the earlier part of his legal career with Faegre & Benson (now Faegre Baker Daniels). Prior to attending law school, Agosto was a CPA working for KPMG and Coopers & Lybrand. Agosto received his BS and MAC from the University of North Carolina, and his JD from Vanderbilt University School of Law. Thomas H. Bentz, Jr. Holland & Knight LLP Thomas H. Bentz, Jr. practices insurance law with a focus on D&O, cyber, and other management liability insurance policies. Bentz leads Holland & Knight s D&O and management liability insurance team, which provides insight and guidance on ways to improve policy language and helps insureds maximize their possible insurance recovery. Prior to joining Holland & Knight, Bentz worked as a claims advocate for Marsh USA Inc., the world s largest insurance brokerage firm. Bentz also worked as a broker while at Marsh, negotiating and placing complex D&O insurance programs. Bentz received his BA in political science and communications from the University of Michigan. He obtained his JD from Loyola University Chicago School of Law. Joseph N. Callaway U.S. Bankruptcy Judge Joseph N. Callaway became a U.S. Bankruptcy Judge for the Eastern District of North Carolina in January Callaway is a certified specialist in both business and consumer bankruptcy law. He is a frequent speaker at bankruptcy law seminars, and past topics include lender liability in North Carolina, Fourth Circuit discharge appeals, uniform commercial code and bankruptcy intersection, and section 363 sales in bankruptcy. Previously, Callaway headed the creditor rights and bankruptcy practice of Battle Winslow Scott & Wiley in Raleigh and Rocky Mount, covering all U.S. Bankruptcy and District Courts in North Carolina. Callaway received his BA degree from the University of North Carolina at Chapel Hill, and his JD degree from UNC School of Law. 1

5 Richard D. Callicutt, II Bank of North Carolina Richard D. Callicutt, II serves as the president and chief executive officer of Bank of North Carolina. With Callicut s assistance and leadership, the Bank of North Carolina has grown form a start-up bank to a $6 billion bank in 24 years of operation. Callicutt has more than thirty years of banking experience. Prior to becoming the president and chief executive officer for the Bank of North Carolina, Callicutt joined the Thomasville, NC bank in 1991 as senior lender. In the early years of the Bank of North Carolina, Callicutt served as the chief credit officer, compliance officer, and the main lender. Callicutt was promoted to president and chief executive officer in June Callicutt attended High Point University where he earned his BS in business. He also serves as the current vice chairman of the North Carolina Banker s Association Board of Directors and is the incoming chairman of the North Carolina Banker s Association Board of Directors for Kelly Thompson Cochran Consumer Financial Protection Bureau Kelly Thompson Cochran is the assistant director for regulations at the Consumer Financial Protection Bureau. She previously served as the deputy assistant director for regulations and oversaw preparation of the Bureau s proposed and final rules implementing Dodd-Frank Wall Street Reform and Consumer Protection Act provisions concerning mortgage lending, servicing, and other topics. Cochran came to the Bureau from the U.S. Treasury Department, where she served as a policy advisor concerning the consumer and investor protection provisions of the Dodd-Frank Act and led the stand-up of the Bureau s rulemaking function. Cochran previously practiced law with the firm of Wilmer Cutler Pickering Hale and Dorr in Washington, D.C., with a focus on consumer financial services regulatory counseling and litigation. Cochran is a graduate of the University of North Carolina and the UNC School of Law, and a former clerk on the U.S. District Court for D.C. and the U.S. Court of Appeals for the D.C. Circuit. Emily R. Culler Bank of America Emily R. Culler is assistant general counsel and senior vice president at Bank of America. In her capacity, Culler provides in-house bankruptcy legal support to consumer lines of business. Prior to joining Bank of America, Culler was counsel at Stutman, Treister & Glatt Professional Corporation and O Melveny & Myers LLP. Culler represented debtors, debtors-in-possession lenders, committees, asset purchasers, and creditors in chapter 11 bankruptcy proceedings. Culler received her BA from the University of South Carolina, and she earned her JD from Columbia University School of Law. 2

6 Beth S. DeSimone CommunityOne Bancorp Beth S. DeSimone is the executive vice president and general counsel of CommunityOne Bancorp and CommunityOne Bank, N.A. in Charlotte, North Carolina. She joined the company in late 2011, after assisting in the company s recapitalization and merger with Bank of Granite Corp. As general counsel, DeSimone is responsible for corporate governance, enterprise risk management, internal controls, regulatory relations, compliance, corporate, legal, regulatory and securities law compliance, contract negotiation and vendor management, and corporate, community and investor relations. Prior to joining CommunityOne, DeSimone was an attorney at Arnold & Porter, LLP, Washington, D.C. for 27 years, where she practiced law in the corporate and financial institutions areas. While at Arnold & Porter, DeSimone focused on mergers and acquisitions of, and investments in, financial services companies, and in strategic planning activities and charter review. She also focused in the consumer banking area, structuring lending and deposit programs in the card and mortgage areas, and compliance with fair lending laws. DeSimone received a BA from Wheaton College and a JD from the Marshall Wythe School of Law at the College of William & Mary. Todd H. Eveson Wyrick Robbins Yates & Ponton LLP Todd H. Eveson is a partner with Wyrick Robbins Yates & Ponton LLP, where he serves as a member of the firm s executive committee and heads the banking and financial institutions practice group. His practice is focused on the representation of financial institutions and their holding companies in connection with regulatory, securities, mergers & acquisitions. and corporate law matters. Prior to joining Wyrick Robbins, Eveson practiced with Gaeta & Eveson, P.A. Eveson earned a JD at the University of North Carolina, Chapel Hill and holds an AB in History and a Certificate in Markets & Management Studies from Duke University. He served as editor-in-chief of Volume 4 of the North Carolina Banking Institute journal. David F. Freeman, Jr. Arnold & Porter LLP David F. Freeman, Jr. is the head of Arnold & Porter s financial services practice group. Freeman represents financial institutions, investment managers, and broker-dealers on banking and securities regulatory issues, legislation, mergers and acquisitions, private investment funds, and new product development and documentation. As part of his practice, Freeman advises domestic and foreign banks, investment management firms, and broker-dealers on compliance with state and federal banking and securities laws, federal commodities laws, and SRO rules. Freeman obtained his bachelor s degree from the University of Virginia, an MBA from the Darden School of Business at the University of Virginia, and a JD from the University of Virginia School of Law. 3

7 Leonard H. Gilbert Holland & Knight LLP Leonard H. Gilbert is a partner in Holland & Knight's Tampa office. He practices in the areas of banking, commercial finance, asset based lending, creditors' rights, insolvency, arbitration, and commercial litigation, as well as maintaining an active transactional practice. He is a member of the firm s financial services practice group. Gilbert s emphasis has been in the representation of financial institutions and other institutional lenders. In his bankruptcy practice, Gilbert has represented numerous state, national, international banks, financial institutions, public bodies, secured and unsecured creditors' committees, and equity. In addition, Gilbert is a certified circuit civil mediator and is on the mediator roster for the United States District Court for the Middle District of Florida and the United States Bankruptcy Court for the Middle District of Florida. Gilbert received his BA from Emory University and his JD from Harvard Law School. Jeffrey D. Haas Holland & Knight LLP Jeffrey D. Haas is a partner in Holland & Knight's Washington, D.C., office. Haas has an extensive transactional business practice, in which he advises clients on public and private financings and securities issuances, mergers and acquisitions, and sophisticated bank regulatory issues before federal and state regulatory agencies. Haas represents financial services companies, including banks, savings institutions, and mortgage and specialty finance companies as well as private equity and hedge funds. His representations focus on initial and secondary public offerings and private placements of debt and equity securities, including offerings of common stock, preferred stock, debt securities, convertible debt and equity securities, warrants, and hybrid instruments. Haas received his BS from the University of Connecticut. Additionally, Haas has obtained an MS and JD from George Washington University. Sarah W. Harmon First Community Bancshares, Inc. Sarah W. Harmon is in-house counsel for First Community Bank, a comprehensive community bank which currently operates fifty-one financial centers in North Carolina, Virginia, West Virginia, and Tennessee (under the trade name People s Community Bank). First Community Bank also provides wealth management and investment services through its wholly-owned subsidiary First Community Wealth Management, and First Community Bancshares, Inc. (FCBC), the bank s holding company, offers insurance services through its whollyowned subsidiary Greenpoint Insurance Group. Among Harmon s primary duties is the procurement and oversight of the insurance portfolio for the bank and its affiliates. After obtaining her JD, Harmon served as a law clerk, worked in public interest law, practiced criminal law, had her own law practice, and even spent some time in law enforcement before returning to her business roots as corporate counsel. Harmon obtained her BA in the interdisciplinary studies of behavioral science and business from Concord University and is a graduate of Washington and Lee School of Law. She is currently pursuing her MBA. 4

8 H. Lynn Harton United Community Bank H. Lynn Harton serves as the president and chief operating officer of United Community Banks, Inc. and its subsidiary bank, United Community Bank. Harton has more than thirty years of experience in the banking industry, with expertise in commercial banking, risk management, turnarounds, and change management. Harton is responsible for directing overall operations for United Community Bank and working alongside other members of senior management regarding the strategic direction and expansion of the $9.6 billion holding company. Prior to joining United Community Banks in 2012, Harton was a consultant and special assistant to the chief executive officer and executive vice president of commercial banking for TD Bank financial group, headquartered in Cherry Hill, New Jersey. Prior to joining TD Bank, Harton held the positions of president and chief executive officer, head of commercial banking, and head of credit and risk at The South Financial Group. He also held various executive positions at Regions Financial Corporation, Union Planters Corporation, and BB&T. Harton earned his bachelor s degree from Wake Forest University and has participated in various executive programs at Duke University, Wharton, Columbia, Northwestern, the University of North Carolina, and the University of South Carolina. Gregory B. Jordan The PNC Financial Services Group Gregory B. Jordan is executive vice president, general counsel, and chief administrative officer of The PNC Financial Services group. Jordan is responsible for overseeing all of the legal functions for the corporation and leads PNC s relationship with the government, including its regulatory affairs, regulatory policy, and government affairs operations. Prior to joining PNC in October 2013, Jordan was the global managing partner of Reed Smith, and chairman of the senior management team and executive committee. During his thirteen-year tenure as managing partner, Reed Smith completed a series of combinations in Europe, California, New York, Chicago, the Middle East, and Asia, to become one of the largest firms in the world, with more than $1 billion in revenue and 1,800 lawyers in 25 offices. Jordan obtained his bachelor s degree from Bethany College in He received his JD from the University of Pittsburgh School of Law in

9 Richard B. Levin Jenner & Block Richard B. Levin is a partner with the New York office of Jenner & Block. He practices in the areas of bankruptcy law and offers expertise for special situations in restructuring assignments for large-scale bankruptcy litigation and trustee and examiner engagements, and for distress M&S and distressed investing. He also advises clients with non-financial legal or regulatory challengers to help them resolve matters without litigation. Levin s experience spans a wide range of industries including auto and manufacturing, banking and finance, energy and electric utilities, hospitality, municipal and government finance, technology, electronics, telecommunications, gaming, retail, shipping, defense, and agriculture. Levin obtained his SB from the Massachusetts Institute of Technology, and he received his JD from Yale Law School. Christopher Liu AIG Property and Casualty Christopher Liu is the head of cyber for the financial institutions group of AIG Property & Casualty and oversees the underwriting of network security products within the financial institutions division for the U.S. and Canada. Prior to assuming responsibility for the network security portfolio, Liu had a focus on a broader array of management and professional liability products for banks and non-bank lending institutions. AIG is a diversified global market leader, serving businesses and individuals worldwide. The firm's financial institutions group is a leading provider of management and professional liability insurance, cyber liability products, and customized risk solutions. Liu earned his bachelor s degree in economics from Rutgers University in New Brunswick, New Jersey. Gary McNorrill Bank Street Partners Gary McNorrill is the chief operating officer and the managing director of Bank Street Partners. He works closely with the firm s financial services clients to execute M&A transactions, capital raises, and strategic engagements. McNorrill also serves as general counsel to the firm. Prior to joining Bank Street Partners, McNorrill was the vice president of Edge Capital Partners, where he was responsible for the day-to-day operations of the corporate finance division. Earlier in his career, McNorrill was an attorney with Alston & Bird in its global finance and debt products group. McNorrill received his BA from the University of Georgia, and he earned his JD from the Emory University School of Law. 6

10 Bradley J. Miller United Community Bank Bradley J. Miller serves as executive vice president, general counsel, and chief risk officer of United Community Banks, Inc. In this capacity, Miller is responsible for the company s legal affairs and all facets of its enterprise risk management. He is the vice chairman of the bank counsel section of the Georgia Bankers Association and is a member of the regional bank counsel group of the American Bankers Association. Miller has more than twenty years of relevant experience. Prior to joining United in 2007, Miller was a litigation attorney with Kilpatrick Townsend with a focus in consumer and regulatory matters. Miller earned his bachelor s degree from Georgia Southern University and JD from John Marshall Law School. Glenn E. Morrical Tucker Ellis, LLP Glenn E. Morrical is a partner at Tucker Ellis in Cleveland. Morrical advises banks and their holding companies on transactional and regulatory matters, such as raising capital, buying and selling loans and branches, and complying with supervisory requirements. In 2009, as loaned counsel, he served in-house at a troubled $13- billion savings and loan and its holding company to assist in asset sales, attempts at raising capital, and dealing with increasingly challenging supervisory demands. In the ensuing years, he has represented that holding company in its bankruptcy, including extensive litigation with the FDIC. Morrical assists in capital raising transactions, both public and private, sometimes as issuer s counsel to a holding company and sometimes as placement agent counsel or underwriter s counsel to the securities broker-dealer. He has also represented banks and broker-dealers in connection with networking arrangements to offer securities services on bank premises. Morrical holds a JD from Harvard Law School, an MBA from Cleveland State University, and a BA from The Ohio State University. Mick Mulvaney U.S. Representative, South Carolina Mick Mulvaney was elected in November 2010 in South Carolina s 5th District, which includes the cities of Rock Hill, Sumter, Lancaster, Gaffney, and Newberry. Mulvaney currently serves on the House Financial Services Committee as well as the House Oversight and Government Reform Committee. Previously, he served on the Committee on Small Business and the Budget Committee. Mulvaney received a bachelor s in international economics, commerce, and finance from Georgetown University and a JD from the University of North Carolina at Chapel Hill. He completed his formal education at Harvard Business School s OPM program. 7

11 Edward P. O Keefe Moore & Van Allen Edward P. O Keefe advises and represents financial institutions. Having also headed or served as a senior executive with multiple banks compliance, technology, human resources, and operations functions, O Keefe s experience includes all aspects of litigation, regulatory compliance, governance, cybersecurity, risk management, and compensation, including the structuring and management of pension and equity plans. Prior to joining Moore & Van Allen, O Keefe was the general counsel of Bank of America Corporation. O Keefe was also the deputy general counsel for Deutsche Bank AG and chair of the Clearing House Association. O Keefe received his bachelor s degree from the University of Rhode Island, and he received his JD from the Fordham University School of Law. M. Patricia Oliver Tucker Ellis LLP M. Patricia Oliver is a partner with Tucker Ellis LLP in the Ohio office. Oliver is the chair of the firm s financial services industry team. Oliver s expertise includes securities, corporate governance, and M&A. Oliver also maintains an active practice representing banks and thrifts before federal and state regulators. Prior to joining Tucker Ellis, Oliver was at Vorys, Sater, Seymour and Pease where she represented Northeast Ohio-based financial institutions. Complementing her experience in private practice is her service as an inside advisor at BB&T Corporation where she served as executive vice president, general counsel, chief corporate governance officer, and corporate secretary. Oliver earned her JD from Case Western Reserve University School of Law, and she obtained her BA from Allegheny College. Patricia A. Robinson Wachtell, Lipton, Rosen & Katz Patricia A. Robinson is of counsel at Wachtell, Lipton, Rosen & Katz. Prior to joining the firm in 2010, Robinson was an assistant general counsel in the legal division of the Board of Governors of the Federal Reserve System. She managed the legal division s evaluation of M&A applications subject to Federal Reserve Board review under the Bank Holding Company Act, Bank Merger Act, Change in Control Act, and Federal Reserve Act. Before joining the Federal Reserve Board in 1993, Robinson was an associate at Sidley & Austin in the firm s financial institutions regulatory practice in its Washington, D.C. office. Robinson received her JD from Georgetown University Law Center, and she earned her BS from Texas Tech University. 8

12 Gregg Rozansky The Clearing House Gregg Rozansky is managing director and senior associate general counsel of The Clearing House. In that capacity, Rozansky leads the policy efforts of The Clearing House on a wide array of bank regulatory, compliance and corporate governance-related issues impacting large financial institutions. Rozansky is a frequent presenter on bank corporate governance and regulatory issues at leading financial industry events and has written extensively on the regulation of major banking institutions and regulatory reform, including the Dodd-Frank Act. Prior to joining The Clearing House in 2013, Rozansky advised financial institutions on U.S. bank regulatory and compliance issues in private practice at Cleary Gottlieb Steen & Hamilton and Shearman & Sterling, focusing on cross-border transactions and the implications of U.S. and global regulatory reforms and developments. Rozansky earned his BA in economics and government at Cornell University and a JD from Harvard Law School. At Harvard, he held a position as a Teaching Fellow in the Department of Economics. James W. Stevens Troutman Sanders LLP James W. Stevens is a partner at Troutman Sanders LLP in the Atlanta office. Stevens has substantial experience in the representation of public and private companies and financial institutions in mergers and acquisitions, securities offerings and regulatory reporting and compliance. Prior to joining Troutman Sanders in 2013, Stevens was a partner at Kilpatrick Townsend & Stockton LLP. Stevens earned his JD from the University of Georgia and a BS from the Georgia Institute of Technology. Jena M. Valdetero Bryan Cave Jena M. Valdetero handles a variety of commercial litigation and business disputes both locally and nationally before state and federal trial and appellate courts. Valdetero has represented a diverse array of clients, including mortgage lenders, mortgage servicers, commercial lenders, consumer product manufacturers, healthcare companies, major retailers, and individual parties. Valdetero heads Bryan Cave s data breach response team, with a specific focus on counseling, compliance, and litigation. In addition, Valdetero s practice includes advising and defending clients with respect to claims involving federal lending laws and regulations, including TILA, RESPA, FDCPA, FCRA, and state consumer protection claims, as well as defending clients against product liability claims, negligence claims, and wrongful death claims. Valdetero received her BA from The George Washington University, and she received her JD from Georgetown University. 9

13 William Vreeland Bank of America William Vreeland is the director of global risk management at Bank of America. Vreeland is responsible for the strategic priorities and initiatives, business operations, and business controls for global risk management as well as assessing the strategic implications of regulatory policy globally for risk, reporting to the Chief Operating Officer of Global Risk Management. Prior to joining Bank of America, Vreeland was Associate General Counsel for Compliance and Regulatory Affairs at American International Group, Inc., holding several senior positions since Vreeland received his BA from SUNY Oneonta, his MBA from New York University Leonard N. Stern School of Business, and his JD from Northwestern University School of Law. 10