Internal Bank Audit Seminar

Date: September 12, 2017

Time: 9 am - 4 pm

Location: Paragon Bank - 3535 Glenwood Avenue, Raleigh

Registration: $250 (Early Bird - 8/29) / $275 (Regular - after 8/29)

Click HERE to Register!
**Please note that space is limited for this program. Registration is on a first come, first served basis. 

Please Click HERE to View the Agenda.

We are partnering with Saltmarsh, Cleaveland & Gund on this year's Internal Bank Audit Seminar. Topics will include: 

  • Current Trends in Internal Audit: Scopes, Risk Assessments and Using Tracking
    Matrix; Vendor Management Over the Outsourced IA Provider
  • Internal Audit’s Role in Preparing for CECL; Current Trends in Credit Review
  • Update on IRR, Liquidity and Model Validation
  • North Carolina Banking Update from the NC Commissioner of Banks
  • Key Topics in Deposit Studies for IRR and Liquidity Modeling
  • Cybersecurity and Review of IT Hot Topics
  • Blazing Through the Hot Topics: Speaker Panel and Q&A
    Hot Topics:  IT, Loan Review, IRR and LIQ, Modeling and Recent Exam Experiences

This program will be filled to the brim with important and timely information - you won't want to miss it!


Paul Allen - Shareholder, Saltmarsh Cleaveland & Gund
Paul is a shareholder in the Financial Institutions Advisory Group of Saltmarsh, Cleaveland & Gund and the shareholder in charge of our Orlando office. He has over 25 years of public accounting and senior management experience, primarily serving financial institutions. Prior to joining Saltmarsh, Paul worked with an international accounting firm and served in various senior management roles with several financial
institutions, including Chief Financial Officer. Paul has extensive experience advising clients on accounting and financial reporting matters, enterprise risk management, asset liability management, mergers and acquisitions, and strategic planning. 

Ray Grace - Commissioner of Banks, NC Commissioner of the Banks
Ray is North Carolina Commissioner of Banks and oversees the regulation of banks, savings and loans, trust companies, mortgage lending, consumer finance lending, and other non-bank lenders. Grace was appointed Commissioner in 2013, after serving as Acting Commissioner since 2012. Grace joined the U.S. Marine Corps in 1966, served in the Vietnam War from 1967 to 1968, and was honorably discharged in 1969. He graduated from Niagara University, Niagara Falls, New York, in December 1973, with a B.S. in Commerce, and began his career at the N.C Office of the Commissioner of Banks (NCCOB) as an examiner trainee on July 1, 1974. For more than 40 years, he has dedicated his service to our State, serving in various capacities at NCCOB, including Commercial Bank Examiner, Special Supervisory Examiner (responsible for supervision of troubled banks), Director of Bank Applications, Chief Deputy Commissioner and his current role - Commissioner.

Howard Lothrop - Founder, Echo Partners
Howard is the founder of Echo Partners and has over 30 years of financial risk management experience, primarily serving the banking industry. Prior to starting Echo Partners, he spent 15 years as Senior Vice President at a large regional bank, and had financial leadership roles in one of the largest municipalities in the Southeast, as well as Fortune 500 corporate treasury experience. Howard has extensive experience advising clients on deposit management, hedging and financial matters, risk management, asset liability management, performance improvement and strategic planning.

Stephen Reyes - Shareholder, Saltmarsh Cleaveland & Gund
Stephen is the shareholder in charge of the Information Technology Services Department of Saltmarsh, Cleaveland & Gund. He joined the firm in 1997 and has been practicing in this field since 1990. His experience includes computer networking and technology consulting. Stephen is a Certified Information Systems Auditor, Certified Information Systems Security Professional and a Microsoft Certified Systems Engineer. He also holds certifications with ISACA, Novell, Citrix, Cisco and CompTIA. Stephen has assisted a number of financial institutions with IT compliance audits, security audits, as well as system selection, implementation and conversion.

David Ruffin - Director, DHG Credit Risk Management
David has more than 42 years of experience in the banking industry with a focus on credit risk. He has 27 years of experience as a business owner and banking industry consultant. David helps lending institutions evaluate credit risk—both traditional transactional credit risk and the emerging more macro portfolio focus. David assesses all aspects of the credit process and credit culture—pertaining to a financial institution’s day-to-day activities, as well as within the integration challenges of a prospective merger or acquisition. Through his experience as a practicing banker and managing a credit consultancy firm, David has worked with management teams and boards of directors to create value by assessing the quality of loan review, credit talent, underwriting, servicing and loan approval protocols.

Rob Wilson - Manager, Saltmarsh Cleaveland & Gund
Rob is a manager in the Audit & Assurance Services Department of Saltmarsh, Cleaveland & Gund. He is also a part of the firm’s Financial Institutions Advisory Group where he works almost exclusively providing accounting and audit services to our financial institution clients. In addition, Rob has experience performing loan and credit quality reviews, internal audits and audits of private companies and not-forprofit


The NCBA has secured a discounted rate of $142/night for our attendees at the North Raleigh Hilton. To secure this discounted rate, please call the hotel directly at 919.872.2323 and request the NC Bankers Association rate, or 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. 

NCBA Discounted Room Rate

Please note that attendees are responsible for securing their hotel reservations