This event is a fusion of our traditional CFO Symposium, Management Team Conference, Credit Conference and Security Summit. Registration for your role specific pathway will be offered as well as a full forum registration which will allow you to choose your path.
Click HERE for program information including the agenda, registration, hotel and exhibitor details. If you are interested in being a sponsor at this event, please contact Blair Jernigan at blair@ncbankers.org or Brianna Reeder at brianna@ncbankers.org.
Please join the Young Bankers to network and grab drinks in Raleigh! NCYB Representatives Pat Eglinton, First Citizens Bank, Hope Moore, Union Bank, and Jason Rapuano, Paragon Bank, will be in attendance.
Attendees do need to register, but there is no fee to attend. All registrants are responsible for their own drinks.
**This program has been rescheduled to Tuesday, October 2 due to Hurricane Florence.
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 September 18.
Banks rely on incentive compensation programs and related sales practices to reward, retain, and motivate directors, management, and employees. But the regulatory agencies have been actively reviewing incentive-based compensation practices to ensure that these arrangements do not encourage undue risk, and, in September 2016, state and federal regulators took a high-profile enforcement action against Wells Fargo resulting in significant monetary and reputational damage. As a result, the banking agencies launched a horizontal review of sales practices and incentive compensation at the largest U.S. banks. Now, smaller banks are reporting similarly focused examinations. This session focuses on the regulators’ new expectations, the regulations currently applicable to banks, and the proactive steps banks can take to prepare for their next examination.
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
This is a must-attend program for Commercial Lenders, Credit Officers, Branch Managers, Credit Analysts, Consumer Lenders, Loan Review Officers, Compliance Officers, Senior Loan Officers, Senior Credit Officers, and Senior Level Commercial Lending Support Staff.
Commercial and Industrial Lending has moved to the forefront for many banks. After years of extending loans to develop and support Commercial Real Estate; banks’ loan portfolios have become heavily concentrated in loans secured by Commercial Real Estate. Regulators are demanding banks to diversify their commercial loan portfolios to include more commercial and industrial loans thus lessening the impact of commercial real estate loan concentration.
Transitioning from Real Estate Lending to Commercial & Industrial Lending is not that easy for many banks and it requires a different mindset, analytical and lending skills in order to identify and measure risk properly. For example, Real Estate Lending is truly Asset-Based Lending and more transactional oriented where the focus is upon the value of the underlying property to determine if the project can produce the necessary cash flow to service debt. In Commercial and Industrial Lending, the primary sources of repayment are Conversion of Assets (for Short Term Loans and Lines of Credit) and Historical and Projected Cash Flow generation (for Long Term Loans). For these types of loans, collateral, guarantors, sponsors, etc., become the secondary source of repayment. Commercial Loans can be highly profitable but can expose banks to a high level of risk if they are not properly investigated and analyzed. Since the loan portfolio is the largest asset for most banks and it generates the majority of interest income and fees, it is vital that commercial loans are selected and analyzed carefully before they are approved and funded.
The purpose of this three-day Commercial Lending School is to provide participants with the fundamentals required to be successful in the Commercial Lending Process. This school will cover the major areas commercial loan officers must master in order to build a safe and sound loan portfolio. Please view the agenda (link above) to see the specific topics this School will cover.
SPEAKER INFORMATION
Jeffery Johnson – Senior Consultant, Bankers Insight Group
Jeffery Johnson started his career with SunTrust Bank in Atlanta as a Management Trainee and progressed to Vice President and Senior Lender for SouthTrust Bank (a large Southeastern Regional Bank) and Senior Vice President and Commercial Banking Division Manager for Citizens Trust Bank of Atlanta (Community Bank).
Most of his career has been spent in Credit Administration, Lending (Commercial, Consumer and Real Estate), Business Development, Loan Review, Management and Training & Development. He has managed loan portfolios representing a cross section of loan types including: Large Corporate, High Net Worth Individuals, Middle Market Companies, Small Businesses, Real Estate and Non-Profit Organizations and managed several loan officers with portfolio management responsibilities.
Jeffery is now a training professional in the banking industry by leading various seminars covering important topics relating to issues in banking. He teaches actively for fifteen state banking associations in the United States, Risk Management Association (RMA) and individual banks nationwide. He co-authored a training course entitled “Lending to Service and Other Professional Organizations” for RMA in 2001.
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.
REGISTRATION RATES
Full Program, 10/15 – 10/18: $1,325 (Early Bird – 10/1) / $1,375 (Regular – after 10/1)
Deposits Module Only, 10/15: $450 (Early Bird – 10/1) / $500 (Regular – after 10/1)
Lending Module Only, 10/16 – 10/18: $1,050 (Early Bird – 10/1) / $1,100 (Regular – after 10/1)
PROGRAM INFORMATION
Complying with federal banking regulations is a demanding, time consuming, and expensive task; therefore, a thorough understanding of the various laws and regulations governing your operations is essential in today’s environment.
The Carolinas Regulatory Compliance School helps financial institutions meet the compliance challenge by providing intensive training on the various regulatory requirements. Designed for personnel who monitor or manage your institution’s compliance, the Compliance School provides the most effective training available anywhere today. The Compliance School curriculum includes all major federal regulations covered in an on-site compliance examinations by federal regulatory agencies.
Registrants may opt to attend either the Deposits or the Lending Module, or can sign up to attend the full program.
SPEAKER INFORMATION
Teri Laudano will be leading the Lending Module, and is a Senior Consultant at ProBank Austin. Prior to joining the firm, Ms. Laudano served in the banking industry in the St. Louis Metropolitan and Lincoln County areas since 1982. She has nearly 30 years as a bank officer and manager of centralized loan administration departments with experience training consumer and commercial compliance, banking laws and regulations. As a Senior Consultant, Ms. Laudano presents PBS seminars and provides consulting services on regulatory compliance topics with emphasis on lending operations.
Natalie Straus, CRCM will be leading the Deposits Module, and is a Vice President at ProBank Austin. Ms. Straus received her undergraduate degree from Washington and Lee University in Lexington, Virginia and her law degree from American University, Washington College of Law in Washington, DC. As a PBS consultant, Mrs. Straus provides consulting services in compliance with an emphasis on deposit operations and issues. She performs consumer compliance and fair lending reviews as well as HMDA data integrity reviews for clients of varying degrees of size and complexity. Additionally, she assisted one of PBS’s largest clients in the implementation of an enhanced home equity quality assurance program.
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!
servations.
PROGRAM INFORMATION
Complying with federal banking regulations is a demanding, time consuming, and expensive task; therefore, a thorough understanding of the various laws and regulations governing your operations is essential in today’s environment.
The Carolinas Regulatory Compliance School helps financial institutions meet the compliance challenge by providing intensive training on the various regulatory requirements. Designed for personnel who monitor or manage your institution’s compliance, the Compliance School provides the most effective training available anywhere today. The Compliance School curriculum includes all major federal regulations covered in an on-site compliance examinations by federal regulatory agencies.
The Alumni Update will be conducted by Anetria Connell from ProBank Austin. This special alumni session will only be open to those who have completed either module of the Regulatory Compliance School in the past. Participants will receive an updated version of the manual that was provided to them during Compliance School, and will review the updated manual to discuss recent developments and common problems.
Specific topics will include:
- Regulation E
- Regulation CC
- Regulation DD
- Regulation D
- Fair Credit Reporting Act
- Equal Credit Opportunity Act
- Fair Housing Act
- UDAAP
- HMDA
- Regulation Z
- RESPA
- Flood Disaster Prevention Act / Homeowners Protection Act
- SCRA
- TRID and the Black Hole
SPEAKER INFORMATION
Anetria Connell is a Vice President at ProBank Austin. Prior to joining the firm, she served as legal counsel to the Kentucky Department of Financial Institutions which regulates depository, non-depository, and securities entities. Her primary responsibility at the Department was the Dodd-Frank Act, whereby she assessed its effect on federal and state law and provided information and training to examiners and staff. In addition to her regulatory experience, Ms. Connell practiced business, real estate, and banking law. She graduated from The George Washington University Law school in 2004 with honors, and is licensed to practice law in Ohio and Kentucky.
LODGING INFORMATION
The NCBA has secured a discounted rate of $179/night for our attendees at the Sheraton Raleigh Hotel. To secure this discounted rate, please use the link below or call the hotel directly at 1-800-325-3535 and request the NC Bankers Association rate. This rate is available until September 17.
Please note that attendees are responsible for securing their hotel reservations.
Click HERE to View All Program and Registration Information
For questions regarding the conference and sponsorship opportunities, please contact Blair Jernigan at blair@ncbankers.org.
The NCBA is co-sponsoring the 7th Annual Strategic Opportunities and M&T: A Regional Conference of Community Bank Leaders! Click on the agenda tab above for all program information.
Registration Rates
Member Early Bird – $775 (through 9/28) / Member Regular – $850 (after 9/28)
Additional Member Early Bird – $725 (through 9/28) / Additional Member Regular – $800 (after 9/28)
PROGRAM INFORMATION
In 2018, North Carolina law dramatically changed how durable powers of attorney are drafted and interpreted with the adoption of the North Carolina Uniform Power of Attorney Act. Individuals dealing with durable powers of attorney should be cognizant of the changes and know where potential issues may occur. During the first part of the seminar, presenter Andrew Bullard will review the changes under the North Carolina Uniform Power of Attorney Act from the previous law and what individuals should be looking for when reviewing such documents. The second part of the seminar will cover estate administration in North Carolina and review an example estate from start to finish. It will assist individuals in understanding what typical documents look like in North Carolina and the duties of a personal representative under the law.
- Durable powers of attorney and what to look for under North Carolina law.
- Previous law for durable powers of attorney in North Carolina.
- North Carolina General Statute 32C and the changes to durable powers of attorney under North Carolina law.
- What to look for when reviewing a durable power of attorney.
- Potential liability for rejection of a durable power of attorney.
- What happens after an individual passes away.
- To probate or not to probate? What assets go into an estate?
- Paperwork to file and example estate administration.
- Potential pitfalls for personal representatives.
SPEAKER INFORMATION
Andrew Bullard – Associate, Smith Debnam
Andrew primarily practices estate planning, estate administration, special needs law and elder law at the firm. Andrew’s experience includes assisting individuals and families as they navigate the process of planning and administering estates and trusts. Additionally, he guides fiduciaries through their duties in the probate process and helps families plan for the care of loved ones with long-term special needs. Andrew takes pride in helping clients design and implement plans to achieve their goals for the future, assisting them every step of the way.
Currently, Andrew is a member of the North Carolina State Bar, the Estate Planning and Fiduciary Law section of the North Carolina Bar Association, the Wake County Bar Association and the Durham Orange Estate Planning Council. He also assists Veterans as a Veterans Affairs accredited attorney.
LODGING INFORMATION
The NCBA has secured a discounted rate of $145/night for our attendees at the Sheraton Imperial Hotel. To secure this discounted rate, please use the link below or call the hotel directly at 919.941.5050 and request the NC Bankers Association rate for the night of November 5.
Please note that attendees are responsible for securing their hotel reservations. The cut-off date to make reservations at the discounted rate is Saturday, October 6.
PROGRAM INFORMATION
This program is being presented by the experts at Crowe LLP, who will guide attendees through auditing the lending function, auditing mortgage banking functions, and how to effectively communicate the audit results.
Confirmed topics include:
- Overview of the Lending Fuction
- Analysis of Lending Sub-Processes
- Internal Audit Objectives and Procedures:
- Commercial, Consumer, Real Estate, Credit Card
- Letters of Credit
- Default Management
- Overview of the Mortgage Lending, Secondary Marketing, and Servicing Functions
- Analysis of Mortgage Lending, Secondary Marketing, and Servicing Sub-Processes
- Mortgage Lending, Secondary Marketing, and Servicing of Internal Audit Objectives
- Mortgage Lending, Secondary Marketing, and Servicing Internal Audit Procedures
- Mortgage Fraud
- Fraud Statistics
- Fraud Schemes
- Fraud Prevention
- “Top Ten” Techniques for Verbal Presentations
- Audit Report Structure
- Elements of an Audit Finding
You won’t want to miss this engaging and informative session!
SPEAKER INFORMATION
Matthew Davis – Senior Manager, Crowe LLP
Matthew Davis is a Senior Manager in Crowe LLP’s Financial Institutions Risk Consulting practice. He is responsible for managing internal audit engagements; overseeing the design and testing of SOX and FDICIA control environments; facilitating enterprise risk management projects; leading data analysis projects and continuous data monitoring; as well as providing assistance and guidance to clients on a wide range of risk related issues. His thought leadership developments have ranged from topics relating to third party risk management to recommendations regarding the most recent COSO 2013 release. Matthew is also a frequent speaker to industry groups and professional associations. He has presented on a wide range of topics including COSO, Enterprise Risk Management, SOx, and Internal Audit. His client experience ranges from small de novo banks to large multi-billion asset sized financial institutions.
Mike Thomas – Partner, Crowe LLP
Mike Thomas is a Partner in Crowe LLP’s Financial Institution Risk Consulting practice in the Southeastern United States. He has over 35 years of broad-based experience, specializing in the financial services industry. Mike’s responsibilities include advising clients in areas such as risk management, fraud prevention and quality assurance assessments. In addition, he coordinates contract services for internal audit, loan review and compliance outsourcing at financial institutions, as well as working with clients to re-engineer their internal audit, risk management and fraud prevention functions. Prior to joining Crowe LLP, Mike was an Internal Audit Services Director for PricewaterhouseCoopers LLP and served as Vice President & Audit Group Manager for SunTrust Banks, Inc., a $200 billion bank holding company.
Mike is a frequent lecturer on internal audit, risk management, fraud prevention and banking related topics. He is a Distinguished Faculty Member of the Institute of Internal Auditors, an Adjunct Faculty Member of the Association of Certified Fraud Examiners and has been an instructor for the Bank Administration Institute, the Financial Manager’s Society, the Credit Union National Association, the America Bankers Association and the Georgia, Alabama, Louisiana, Tennessee and Florida Banker’s Associations. Mike is a member of the Institute of Internal Auditors, the Association of Certified Fraud Examiners, the American Institute of Certified Public Accountants (including the Georgia Society) and the Bank Administration Institute.
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.