PROGRAM INFORMATION

The workshop is designed to prepare bankers who accept consumer loan requests to analyze the typical metrics used to approve these requests. Instructor Andy Nenni will provide an overview of the consumer lending environment and how lenders should consider credit scores, loan-to-value, and debt-to-income when assessing loan decisions. Discussions will also include mitigating issues with repayment history and higher than acceptable debt loads. Participants will be guided through case studies to reinforce concepts.

Learning objectives include:

• Brief overview of consumer lending regulations
• Describe typical loan products, terms, and advance rates
• Review credit bureau reports
• Analyze a personal financial statement
• Identify repayment sources using stated income, paystubs, and tax returns including a brief introduction to self-employed borrowers

This program should be attended by lending staff seeking an introductory understanding of consumer credit. The course will benefit lenders with loan authority and lenders operating in a centralized lending environment.

SPEAKER INFORMATION

Andy Nenni has been providing training and coaching for bankers involved in consumer and commercial lending and has created custom training programs for banking associations and financial institutions. Courses include improving sales, consumer lending basics, performing real estate evaluations, and beginner through advanced C&I and CRE underwriting skills. Andy weaves over fifteen years of banking experiences and stories into each class and uses real world examples to reinforce concepts and entertain attendees. He has served as a Personal Banker, Credit Analyst, Commercial Lender, and Chief Credit Officer in community and national banks. Andy earned a Bachelor of Science in Accounting at Kansas State University and a Masters of Business Administration at East Carolina University.

LODGING INFORMATION
The NCBA has secured a discounted rate of $149/night for our attendees at the North Raleigh Hilton. To secure this discounted rate, please use the link below. This rate includes Lofton’s breakfast and complimentary transportation to and from the North Hills Mall. The hotel is located two miles away from the NCBA.

Please note that attendees are responsible for securing their hotel reservations.

Click HERE to Get Your Discounted Rate!

PROGRAM INFORMATION

The NCBA is partnering with Arnold & Porter on this program. The link will be delivered to attendees 24 hours before the program begins. The webinar will begin promptly at 10:00 am on June 19.

Recent agency guidance, rulemakings, and enforcement actions demonstrate the financial regulatory agencies’ commitment to enforcing the Bank Secrecy Act and its implementing regulations (BSA), including their willingness to hold lead compliance professionals personally accountable.  Suspicious Activity Reporting  is a critical aspect of BSA compliance, and the adequacy of SAR narratives is increasingly becoming the subject of examination and enforcement criticism.  This presentation details best practices for drafting the SAR narrative, including critical components, structure, and what to look for when identifying suspicious activity.

This webinar will be 50 minutes, followed by a 10 minute Q&A session.

SPEAKER INFORMATION

Michael Mancusi – Partner, Arnold & Porter 

Michael Mancusi represents domestic and foreign banks, credit unions, and other financial services clients in a wide range of state and federal regulatory, compliance, and enforcement matters. He also has substantial experience representing clients in government and corporate internal investigations, including entities subject to anti-money laundering requirements.

Mr. Mancusi counsels clients facing complex corporate governance and structural issues and represents clients before key state and federal bank regulatory agencies, including the Office of the Comptroller of the Currency, the Federal Reserve, the FDIC, the National Credit Union Administration, the Financial Crimes Enforcement Network, the Consumer Financial Protection Bureau, and the Office of Foreign Assets Control.

Kevin Toomey – Associate, Arnold & Porter

Kevin Toomey represents bank and nonbank financial services companies, along with their boards of directors, executives, and senior management, in a wide range of enforcement, regulatory, compliance, and governance matters before the federal and state banking agencies, Department of Justice, CFPB, FinCEN, and OFAC. Mr. Toomey regularly represents clients in investigative proceedings, including navigating internal and government investigations, and advises clients on issues relating to the Bank Secrecy Act and anti-money laundering requirements, consumer protection, the Dodd-Frank Wall Street Reform and Consumer Protection Act, and state and federal banking laws and regulations.

PROGRAM INFORMATION

We are partnering with SecureNation to bring our members The Cyber Security Battleground Seminar: Rise Above Attacks! During this one-day program, four dynamic cybersecurity experts will share their expertise and experience with attackers targeting the financial services industry. Topics will include:

• Best practices to bridge the cultural divide and promote harmony between the development and security teams
• Gain a deeper understanding of how an application security platform and program approach can help mitigate risk, loss of customers, brand reputation, revenue, and so much more
• Why a robust SOC-as-a-Service with human augmented machine learning is critical to bolster defenses against the most advanced of threats
• Understanding of why domain security and network security approaches need to be different, and how active directory is vulnerable by design
• How to eliminate fear, uncertainty, and doubt, and how we can all take a lesson from attackers to rise above said attacks
• Learning how to use what you already have in place to win and prove that security is working

This will be a full-day training session that is brimming with important and timely information – don’t miss out! 

SPEAKER INFORMATION

Jon Davis – Jon Davis is the CEO and founder of SecureNation. His experience in Network Security as well as his passion for technology and problem solving led to the creation of the company in 2008 with the goal of helping clients’ technology initiative’s and allowing them to do more with less. Although he studied at Southeastern Louisiana University for graphic design, his background is in compliance driven IT security initiatives such as FISMA, GLBA, SOX, FDIC, NCUA, OCC and HIPAA. For the past ten years he has worked with some of the nation’s top network security providers and helped to secure many of the largest businesses and financial institutions in the country. As the CEO of SecureNation, he has spent the years learning the software, hardware and storage industry, power and cooling, backup and replication and all aspects of IT Security. Jon is an active member of Infragard, ISSA, ISACA and AITP.

Clayton Fields – As a security specialist, Clayton has helped clients improve security programs across the world. A thorough understanding of business drivers coupled with the ability to diagnose risk has allowed him to help companies avoid being a headline. With this unique skill set, Clayton has helped executives understand the breakdown that exists between the business executives and cybersecurity professionals regarding risk assignment and prioritization that has caused so many newsworthy events. He has experiences with incident response and threat hunting that have also allowed him to help companies choose unique solutions to mitigate risk.

Brandon Harms – For over 18 years, Brandon has worked for large telecom and financial firms in a variety of technology roles, including network security engineering. For six years, he was a penetration tester for a cyber security firm, and has also worked for the Dept. of Defense as a Russian linguist and network engineer. Prior to joining Arctic Wolf Networks as a pre-sales systems engineer, Brandon was the CTO of an MSSP. He is a member of the GIAC Advisory Board, and has certifications including GIAC Penetration Tester, Certified Information Systems Security Professional, and Certified Ethical Hacker.

Itzik Kotler – Itzik has more than a decade of experience researching and working in cyber security. He is a recognized industry speaker, having spoken at DEFCON, Black Hat USA, Hack In The Box, RSA Europe, CCC and H2HC. Prior to founding SafeBreach, Itzik served as CTO at Security-Art, an information security consulting firm, and before that he was SOC Team Leader at Radware (NASDQ: RDWR).

Katie Tierney – Katie runs the Global Sales Engineering organization for WhiteHat Security, where she helps customers understand their Application Security needs and how WhiteHat can help them achieve AppSec nirvana. Before joining WhiteHat, she spent 8 years at BMC Software, in roles ranging from Sales Engineering, to Marketing, to Sales Leadership.  Katie started her career as a consultant with BSG Alliance and Forté Software, providing software development and architecture services to companies like Carlson Companies, Phoenix Newspapers, BCBS Texas, West Teleservices, Service Corporation, Inc., Baker Oil Tools, and more.

LODGING INFORMATION
The NCBA has secured a discounted rate of $149/night for our attendees at the North Raleigh Hilton. To secure this discounted rate, please use the link below. This rate includes Lofton’s breakfast and complimentary transportation to and from the North Hills Mall. The hotel is located two miles away from the NCBA.

Please note that attendees are responsible for securing their hotel reservations.

Click HERE to Get Your Discounted Rate!

PROGRAM INFORMATION

The workshop is being presented by the FDIC, and will feature roundtable discussions with representatives from the Office of the Comptroller of the Currency, the Federal Reserve Bank of Richmond, and the NC Office of the Commissioner of Banks. Specific topics will include:

• Information Technology: It’s About Leadership
• Regulator Roundtable Discussions of Common Examination Findings and Emerging Risks
• Bank Secrecy Act: A Supervisory Update

SPEAKER INFORMATION

Jeff Burgess – Risk Management Field Supervisor, FDIC 

Jeff is the Risk Management Field Supervisor for FDIC’s Charlotte Territory. The Charlotte Territory is responsible for all examination activities of state nonmember institutions in the Western half of North Carolina and all of South Carolina. Prior to this role, he served as a Supervisory Examiner responsible for supervision of the Territory’s large banks. Jeff began his career with the FDIC in 1991 as an Assistant Examiner in the Hollywood, Florida Field Office. In 1998, he joined the Comptroller of the Currency as a National Bank Examiner in the agency’s Southeast Territory. While in this position, he served on a number of large bank teams in the Southeast ranging in size from $20 billion to several hundred billion. Jeff led a number of complex examinations around the U.S. and over-seas at foreign locations of large U.S. banks. Jeff eventually returned to the FDIC in 2007 where he was promoted to Senior Examiner and, ultimately, to his current position.

Jerry Chadwell – Division of Depositor and Consumer Protection Field Supervisor, FDIC

Jerry has been employed by the FDIC for more than 25 years. He is currently the Division of Depositor and Consumer Protection Field Supervisor for the Atlanta Region’s North Territory, a position he has held since 2002. In this capacity, Jerry is responsible for consumer protection supervision activities in North Carolina, West Virginia, and Virginia. Since joining FDIC as a trainee compliance examiner in the Nashville, Tennessee field office, Jerry has held positions of Compliance Examiner, Senior Compliance Examiner, and Compliance Field Supervisor and has worked in the FDIC’s Atlanta, Chicago, and Memphis Regions.

Stacy Dail – Senior Portfolio Analyst, Federal Reserve Bank of Richmond

Stacy is a Senior Portfolio Analyst within the Supervision, Regulation and Credit Risk Management department of the Federal Reserve Bank of Richmond. In this role, she has responsibility for overseeing and monitoring the safety and soundness condition for a portfolio of community banks. She has been with the Federal Reserve since 2005. She has been in her current role since 2013 and primarily works with bank management on issues to examinations, current topics in supervisory oversight and overall safety and soundness concerns.

Scotty Duncan – Assistant Deputy Comptroller, Office of the Comptroller of the Currency

Scotty Duncan is the Assistant Deputy Comptroller for the Charlotte Field office of the Comptroller of the Currency. In this role, he supervises a staff of 42 people and is responsible for supervising 22 community banks and thrifts. Prior to taking on this role in January 2017, Scotty was the Commercial Credit Lead Expert for Midsize Bank Supervision. He also previously held the same role in the OCC’s Central District and was a resident examination team member at Bank of America, having responsibility for the commercial real estate portfolio. He started his OCC career in 1992.

Margaret Meyers – Risk Management Field Supervisor, FDIC

Margaret currently serves as Risk Management Field Supervisor for the Raleigh Territory, a multi-office territory covering the eastern half of North Carolina and all of Virginia and West Virginia. In her 27 years with FDIC, Margaret has examined banks primarily in North Carolina but also in South Carolina, Virginia, Georgia, Indiana, and Illinois. She has also instructed for FDIC’s Corporate University, including one teaching assignment with the Egyptian Banking Institute in Cairo. Additionally, she has been very involved in Directors’ Colleges in NC, SC, and WV. Margaret has served on several temporary assignments in the Atlanta Regional Office and at FDIC Headquarters in Washington, DC. Her experience on these assignments includes reviewing and processing problem bank cases for the Atlanta, Chicago, and New York regions.

Richard Snitzer – IT Examination Specialist, FDIC

Richard began his career with the FDIC in Lexington, KY, where he became a commissioned examiner in 1993. Soon after earning his commission, Richard began his Information Technology career that continues to serve him well today. He has examined banks with less than $10 million in assets all the way into the billions throughout the United States. Until recently, he has focused on examining large technology service providers and data centers. Richard currently serves as one of the Atlanta Region’s IT examination specialists. He has attained several certifications such as the Certified Information Systems Auditor, Certified Information Systems Security Professional, Certified Fraud Examiner, and Certified Business Continuity Professional. Richard has taught and helped develop IT courses for the FDIC including the Cybersecurity Initiative for the FDIC and Bankers.

Melanie Thacker – Bank Secrecy Act Specialist, FDIC

Melanie is a Bank Secrecy Act Specialist for the FDIC’s Charlotte Territory where she has completed examinations throughout the Southeast Region – North Carolina, South Carolina, Florida, Georgia and Alabama. These supervisory activities targeted institutions of varying sizes and risk profiles. Prior to this role, Melanie held the position of Assistant Vice President and Senior Level Risk, Compliance and Audit Consultant, at U.S. Bank with oversight of the first line of defense testing of Anti-Money Laundering and Sanctions for Payment Services. Additionally, Melanie served eight years as the Director of Compliance and Bank Secrecy Act Officer of a $2 billion dollar institution and nine years as the Internal Auditor of a $500 million dollar institution.  Additionally, Melanie holds the designations of a Certification Regulatory Compliance Manager (CRCM) and Certified Anti-Money Laundering Specialist (ACAMS).

LODGING INFORMATION
The NCBA has secured a discounted rate of $129/night for our attendees at the Greensboro – High Point Marriott. To secure this discounted rate, please use the link below or call the hotel directly at 336.852.6450 and request the NC Bankers Association rate for the night of July 10.

Please note that attendees are responsible for securing their hotel reservations.

Book your group rate for NC Bankers Association Seminar

Time: Day 1, 9 am – 5 pm & Day 2, 8 am – 4 pm

SPEAKER INFORMATION

Chad Knutson is a Senior Information Security Consultant and is President of the SBS Institute for SBS CyberSecurity. SBS works with more than 900 banks around the country on information security services such as the development of Information Security Programs, Policies, and Risk Assessments, along with performing IT Audits, Penetration Tests, Vulnerability Assessments and other security services. Chad is a Certified Information Systems Security Professional (CISSP), Certified Information Systems Auditor (CISA), and Certified in Risk and Information Security Controls (CRISC).

PROGRAM INFORMATION

We are partnering with SBS CyberSecurity to bring our members the Certified Banking Security Manager Training. SBS’s certified advantage helps you develop an entire information security program framework to take back to your institution. After competing this program, attendees will understand how to successfully implement and manage each component of the information security program, and their knowledge of layered security programs will be boosted. Attendees will gain confidence in their decision making after learning comprehensive cybersecurity knowledge. In addition, they will dive into FFIEC cybersecurity guidelines.

Specific topics include:

• U.S. Information Security Laws and Regulations
• Information Security Program Components
• Security & Awareness Programs
• IT Audit
• Social Engineering
• Preparing for IT Examinations
• Running Effective IT & Audit Committees

This program should be attended by Managers, ISOs, Security Officers, Auditors, Operations Officers, IT Managers and anyone in Compliance. This is a must attend program! Below is a testimonial to this program and instructor, Chad Knutson:

“SBS and Chad helped me by providing the tools and information to be successful in reporting, documenting and creating proper assessments. As well as how to structure an adequate BIA and BCP plan, and those things necessary to prepare for an Audit or Exam. Taking the course helped build my confidence in my job field. I would recommend the CBSM course to anyone wishing to enhance their knowledge of the expectations of the IT Program of their institution.”
– Hilarie Haack, GA

LODGING INFORMATION
The NCBA has secured a discounted rate of $149/night for our attendees at the North Raleigh Hilton. To secure this discounted rate, please use the link below. This rate includes Lofton’s breakfast and complimentary transportation to and from the North Hills Mall. The hotel is located two miles away from the NCBA.

Please note that attendees are responsible for securing their hotel reservations.

Click HERE to Get Your Discounted Rate!

 

This program will be pre-recorded and distributed the morning of Thursday, July 19.

PROGRAM INFORMATION

This webinar is a must-see program for BSA Officers and their staff, Compliance Officers, Deposit and Branch Operations Officers, and Auditors. 

So few pages of actual statutory or regulatory BSA requirements, so many BSA expectations from our regulators and auditors. Many of the lessons learned by banks have been at the expense of other banks at the receiving end of an enforcement action. What would those banks have done differently if given a second chance, and what actions should your bank steer clear of? Many of the functions faulted had been in place for years yet never criticized by an examiner or auditor. This program will address a wide range of topics and is designed to allow BSA personnel to reassess a number of present bank functions or methodologies which might be ticking time bombs. Is having a six month lead time between BSA Risk Assessment and Policy review an issue? Is having a BSA Officer with the initiative to reconfigure the bank’s automated transaction monitoring system applauded or frowned upon? A behavioral based transaction monitoring system is what the examiners expect, isn’t it? Maybe! Specific topics to be discussed are:

• Are there any attributes the party conducting your independent testing should, or should not, possess?
• Are there preferred, or frowned upon, methods of BSA training, or does one size fit all?
• Does BSA department staffing levels drive alert generation methodology or vice versa?
• Is the BSA Risk Assessment the place to air all of the bank’s dirty BSA laundry, as it can be seen by examiners and auditors?
• Is keeping BSA related documentation a positive or negative should the bank find itself the potential subject of an enforcement action?
• Will automating the transaction monitoring system into a behavioral based system both satisfy examiners and generate more suspicious activity alerts, or will it have an unintended affect?

Don’t miss this timely and informative session!

SPEAKER INFORMATION

Don Blaine – Senior Vice President & Compliance Director, Nantahala Bank & Trust 

Don has over 30 years of experience in banking compliance for banks ranging in size from small community banks to Bank of America. His prior roles have included: Chief Compliance Officer, Senior Compliance Regulatory Examiner, Compliance Audit Manager, among others.  He’s well positioned to discuss all sides of the compliance triangle as he has served as a federal compliance examiner and a compliance auditor, in addition to his roles in compliance’s second line of defense at banks.  He is considered a subject matter expert in many of the alphabet soup consumer affairs laws and regulations, both on the lending and deposit side of the bank, and also specializes in the BSA.  He has taught at the ABA’s National Compliance School and has also served as an instructor on BSA and compliance topics at training programs offered by a number of state banking associations.

PROGRAM INFORMATION

This lunch and learn is being presented by the State Historic Preservation Office. With the myriad of tasks it takes to plan and open a new branch or banking facility, fulfilling the federal requirements for addressing historic properties should not be made more difficult or expensive by lack of information. This session will cover the following topics:

• Federal laws and regulations governing identification and consideration of historic properties;
• What a historic property is;
• How to determine the presence of a historic property;
• Process for dealing with a historic property affected by your plans under federal and local preservation regulations;
• The several players in the process

In addition, attendees will review case studies and lessons learned from actual banking projects that affected historic properties. You won’t want to miss this informative session!

SPEAKER INFORMATION

Renee Gledhill-Earley – Environmental Review Coordinator, State Historic Preservation Office

Renee Gledhill-Earley has been with the North Carolina State Historic Preservation Office for nearly 40 years. She first served as National Register Coordinator and then began her long career as the Environmental Review Coordinator for federal and state undertakings. A graduate of Florida State University in American History, and with two master’s degrees from the University of North Carolina at Chapel Hill, she has coordinated the review of more than public and private 100,000 development projects ranging from affordable housing, to highways, to nuclear power plants, sewers, cell towers, solar farms and banks. Renee is the recipient of the Robert E. Stipe Professional Award from Preservation North Carolina and a Raleigh News and Observer’s Tar Heel of the Week.

Registration will open on June 1. 

Please join the Young Bankers to network and grab some drinks! Several NCYB representatives will be in attendance, including Chair Meredith Begley, Black Mountain Savings Bank, David Beaver, Uwharrie Bank, and Michael Cortes, TD Bank, Jed Orman, Fidelity Bank, and Kristen Brabble, First Carolina Bank. This is your chance to make new connections and learn more about our great Young Bankers division.

This Happy Hour will take place after the School of Banking students finish classes for the day – all students are encouraged to attend!