TUESDAY, MARCH 5 - Sitemason, Inc. Compliance Conf Agenda.pdf · Workshop 2: Fair Credit Reporting Aaron Rykowski, CRCM, SVP – Chief Compliance Officer, WesBanco Bank, Inc., Wheeling,

EMBASSY SUITES BY HILTON NASHVILLE SE Murfreesboro, Tenn.March 5 & 6, 2019

TUESDAY, MARCH 58:00 a.m. Registration/Continental Breakfast/Exhibits Sponsor: Alexander Thompson Arnold, PLLC

9:00 a.m. Call to Order/Opening Remarks Lauren Smith, Vice President Risk Management, Decatur County Bank, Decaturville, Tenn.

9:15 a.m. Washington Update Rod Alba, Senior Vice President, Senior Counsel for Mortgage Markets, American Bankers Association, Washington, D.C.

Based on what is happening across the country, Rod Alba will give you a view of what is currently taking place and how it is set to impact you and your bank going forward.

10:00 a.m. Tips for Success—The Role of the Board and Compliance Officer Dave Dickinson, Founder/CEO, Banker’s Compliance Consulting, Central City, Neb.

It’s no secret that we’ve lived under a regulatory crush for the past several years. Even with the recent regulatory relief, we are definitely in a challenging environment. To assist in managing compliance in these challenging times, there are two important concepts compliance officers must obtain:

• Unity with the Board’s risk appetite and risk tolerance. • An understanding that you don’t do compliance. You manage compliance. • These areas as well as several tips for being a successful compliance officer will be discussed during this lively and thought-

provoking session.

11:00 a.m. Coffee Break Sponsor: Elliott Davis, LLC

11:15 a.m. Concurrent Workshops Workshop 1: Payment Trends Aaron Rykowski, CRCM, SVP – Chief Compliance Officer, WesBanco Bank, Inc., Wheeling, W.Va.

Everyone is looking to be on the cutting edge of financial services technology, but in some cases, the rules of the game have not caught up with the game itself. In this session, Rykowski will seek to bridge the gap between today’s evolving payments market, and the rules and regulations that banks have to follow when processing payments for its consumers and businesses and how to mitigate those risks while remaining competitive in the market.

Workshop 2: Fair Lending Analysis Coralyn Carter, Compliance Examiner, Dallas Region, Federal Deposit Insurance Corporation, Nashville, Tenn. Tammy Kloeppel, Compliance Examiner, Dallas Region, Federal Deposit Insurance Corporation, Nashville, Tenn.

The presenters will focus on how to identify fair lending risks. Their session is designed to help compliance officers evaluate fair lending risks in their bank’s structure, compliance management, loan portfolio, credit operations, and market operations. Emphasis will be placed on assessing and mitigating the bank’s inherent fair lending risks.

Workshop 3: Managing a Compliant E-Signature Program Patti Blenden, CRCM, Founder & President, Financial Solutions, Charlotte, N.C.

There is so much efficiency and speed to be gained by using all of the aspects available for electronic delivery and acceptance of legal documents. The Electronic Signatures in Global and National Commerce Act in 2000 (ESIGN Act) is legal in every state and U.S. territory in federal law jurisdiction. If federal law does not apply, the Uniform Electronic Transactions Act (UETA) has been adopted by most states. Join Blenden in discussing electronic signatures, digital signatures, utilization in consumer and commercial transactions, plus a refresher on the mechanics of system requirement disclosures, consent and demonstrated ability, record retention, and more. Make sure your ESIGN system is compliant and effective!


12:15 p.m. Lunch and Luncheon Speaker Greg Gonzales, Commissioner, Tennessee Department of Financial Insitutions, Nashville, Tenn.

1:15 p.m. Break

1:30 p.m. Concurrent Workshops Workshop 4: The Modernization of CRA Kevin Kane, Founder and President, Financial Regulatory Consulting, Inc., New York City, N.Y.

Fair Lending continues to be an area of emphasis for federal banking regulators and a significant risk management issue for large and small institutions. This program will focus on transforming the current approach to performance evaluations, developing a metric-based framework, redefining how “communities” and assessment areas are defined, expanding CRA-qualifying activities, enhanced recording and reporting, and “other ways” to improve the CRA regulatory framework.

Workshop 5: Third-Party Risk Management Natalie Straus, Vice President and Senior Consultant, ProBank Austin, Louisville, Ky.

The financial institution is ultimately responsible for managing activities conducted through third-party relationships. Third-party relationships can enhance the business but may also present risks if not properly managed. Comprehensive third-party procedures can help the institution maximize the benefits of these relationships while avoiding negative regulatory implications. In this session Straus will address “significant” third-party relationships, potential risks arising from these relationships, due diligence in selecting a third party, contract structuring and review as well as oversight.

Workshop 6: HMDA Dave Dickinson, Founder/CEO, Banker’s Compliance Consulting, Central City, Neb.

It’s been a year since the new rules went into effect, but there are still many things that need clarifying. During this session, Dickinson will discuss the confusing areas and give you the latest interpretations, guidance, and best practices. We’ll discuss and provide clarification on:

• Mixed-use properties • Demographic information collection • Complicated data points • Action Taken: Regulation C versus Regulation B • All of your questions

3:00 p.m. Coffee Break Sponsor: Elliott Davis, LLC

3:15 p.m. Compliance Management Dave Dickinson, Founder/CEO, Banker’s Compliance Consulting, Central City, Neb.

The foundation of a strong compliance program is the culture of your bank. During this session, we will discuss how the compliance officer can lead your bank through the process of regulatory requirements by fostering strong organizational health and alliance with your team members. Without these elements, you’re fighting a losing battle against defiance and dysfunction that will ultimately lead to regulatory violations.

5:00 p.m. Reception Sponsor: Saltmarsh, Cleaveland & Gund


WEDNESDAY, MARCH 68:00 a.m. Registration/Continental Breakfast/Exhibits Sponsor – Alexander Thompson Arnold, PLLC

8:30 a.m. Call to Order/Opening Remarks Lauren Smith, Vice President Risk Management, Decatur County Bank, Decaturville, Tenn.

8:30 a.m. Regulatory Panel Moderator: Dru Childress, Principal, Sentry Advisors, LLC, Nashville, Tenn. Panel: Chris Finnegan, Assistant Regional Director, Division of Depositor and Consumer Protection, Dallas Regional Office/

Memphis Area Office, FDIC, Dallas, Texas Anita Albright-Gaymon, National Bank Examiner, Compliance Specialist, OCC, Miami, Fla. Rachel Webster, CRCM, Director of Examinations, Federal Reserve Bank of Atlanta, Atlanta, Ga.

10:00 a.m. Coffee Break Sponsor: Elliott Davis, LLC

10:15 a.m. Workshop 1: TRID 2019: Hot Topics and More! Leah Hamilton, Vice President/Senior Consultant, ProBank Austin, Orlando, Fla.

Join Leah Hamilton for this TRID 2019 session as she highlights key issues still surrounding TRID disclosures, including timing, data fields still a challenge, key examiner trends, and more. If the CFPB releases updated guidance on construction loans and assumptions, we will cover that too.

Workshop 2: Fair Credit Reporting Aaron Rykowski, CRCM, SVP – Chief Compliance Officer, WesBanco Bank, Inc., Wheeling, W.Va. From application to final reporting, adverse action and red flags, learn risk management strategies that will help your bank’s

compliance with the FCRA. Rykowski will cover regulatory requirements for new loan applicants, notification of adverse action, how default comes into play, your red flags program, handling disputes, and reporting to the Consumer Reporting Agencies.

Workshop 3: HMDA (repeat) Dave Dickinson, Founder/CEO, Banker’s Compliance Consulting, Central City, Neb.

It’s been a year since the new rules went into effect, but there are still many things that need clarifying. During this session, Dickinson will discuss the confusing areas and give you the latest interpretations, guidance and best practices. We’ll discuss and provide clarification on:

• Mixed-use properties • Demographic information collection • Complicated data points • Action Taken: Regulation C vs. Regulation B • All of your questions

11:45 a.m. Lunch and Luncheon Speaker Implementation of S 2155 Shaun Kern, Senior Counsel, Office of Regulatory Policy, American Bankers Association, Washington, D.C.

On May 24, 2018, Congress passed the “Economic Growth, Regulatory Relief, and Consumer Protection Act”, better known to the banking industry as Senate Bill 2155. The purpose of the bill was to improve consumer access to mortgage loans, increase regulatory relief, and add several protections for consumer credit access. Learn where the regulatory agencies are in the implementation process and how these changes will impact your bank.

12:45 p.m. Break


1:00 p.m. Workshop 4: BSA/AML Hot Spots Patti Blenden, CRCM, Founder & President, Financial Solutions, Charlotte, N.C.

It seems as though there is a new BSA/AML directive, geographic targeting order (GTO), Financial Action Task Force (FATF) status of countries across the globe, or other BSA update every week. Add to the information gathering database a growing number of staggering penalties associated with BSA/AML enforcement actions. It’s a lot to absorb and understand. Join Blenden in discussing the ins and outs of the newest hot spots in the lava avalanche surrounding BSA and AML compliance programs. We’ll talk about lessons learned in beneficial ownership compliance programs since its 2018 implementation and share some tips. Know your customers and ensure that your governance program fully embraces customer due diligence from its highest and lowest risk customers. It’s our privilege to protect our banking system!

Workshop 5: Advertising and Social Media Leah Hamilton, Vice President/Senior Consultant, ProBank Austin, Orlando, Fla.

It’s been five years since the FFIEC, on behalf of its members, released Social Media: Consumer Compliance Risk Management Guidance; yet, financial institutions still struggle with complying with advertising rules when it comes to social media. Join this session as Hamilton highlights the applicability of consumer protection and compliance laws, regulations, and policies to activities conducted via social media by financial institutions. She will highlight the key issues of advertising via social media and managing potential compliance risk.

Workshop 6: Fair Lending Analysis (repeat) Coralyn Carter, Compliance Examiner, Dallas Region, Federal Deposit Insurance Corporation, Nashville, Tenn. Tammy Kloeppel, Compliance Examiner, Dallas Region, Federal Deposit Insurance Corporation, Nashville, Tenn.

The presenters will focus on how to identify Fair Lending risks. Their session is designed to help compliance officers evaluate fair lending risks in their bank’s structure, compliance management, loan portfolio, credit operations, and market operations. Emphasis will be placed on assessing and mitigating the bank’s inherent fair lending risks.

2:00 p.m. Coffee Break Sponsor: Elliott Davis, LLC

2:15 p.m. What to Take Back to the C-Suite Moderator: Connie Edwards, CRCM, Shareholder, Financial Institution Advisory Group, Saltmarsh, Cleaveland & Gund, Nashville,

Tenn. Speakers: Joey Croom, CRCM, CAMS, Compliance Risk Advisor, Sentry Advisors, LLC, Nashville, Tenn. Amy G. Greene, CRCM, CAMS, CCBCO, Banking Team Supervisor, KraftCPAs PLLC, Nashville, Tenn. Drew Young, CRCM, CBAP, Manager, Banking Regulatory Compliance, KraftCPAs PLLC, Nashville, Tenn.

How do you summarize two days’ worth of learning into a concise presentation to your board and senior management? Let us help with this task. Join Connie Edwards and friends as we summarize and provide valuable takeaways from the sessions presented at the 2019 TBA Compliance Conference.

3:15 p.m. Conference Adjourns


2018-19 COMPLIANCE SPEAKERSRod Alba, Senior Vice President, Senior Counsel for Mortgage Markets, American Bankers Association, Washington, D.C.

Anita Albright-Gaymon, National Bank Examiner, Compliance Specialist, OCC, Miami, Fla.

Patti Blenden, CRCM, Founder & President, Financial Solutions, Charlotte, N.C.

Coralyn Carter, Compliance Examiner, Dallas Region, Federal Deposit Insurance Corporation, Nashville, Tenn.

Joey Croom, CRCM, CAMS, Compliance Risk Advisor, Sentry Advisors, LLC, Nashville, Tenn.

Dave Dickinson, Founder/CEO, Banker’s Compliance Consulting, Central City, Neb.

Connie Edwards, CRCM, Shareholder, Financial Institution Advisory Group, Saltmarsh, Cleaveland & Gund, Brentwood, Tenn.

Chris Finnegan, Assistant Regional Director, Division of Depositor and Consumer Protection, Dallas Regional Office/Memphis Area Office, FDIC, Dallas, Texas

Greg Gonzales, Commissioner, Tennessee Department of Financial Insitutions, Nashville, Tenn.

Amy G. Greene, CRCM, CAMS, CCBCO, Banking Team Supervisor, KraftCPAs PLLC, Nashville, Tenn.

Leah Hamilton, Vice President/Senior Consultant, ProBank Austin, Orlando, Fla.

Kevin Kane, Founder and President, Financial Regulatory Consulting, Inc., New York City, N.Y.

Shaun Kern, Senior Counsel, Office of Regulatory Policy, American Bankers Association, Washington, D.C.

Tammy Kloeppel, Compliance Examiner, Dallas Region, Federal Deposit Insurance Corporation, Nashville, Tenn.

Aaron Rykowski, CRCM, SVP – Chief Compliance Officer, WesBanco Bank, Inc., Wheeling, W.Va.

Natalie Straus, Vice President and Senior Consultant, ProBank Austin, Louisville, Ky.

Rachel Webster, CRCM, Director of Examinations, Federal Reserve Bank of Atlanta, Atlanta, Ga.

Drew Young, CRCM, CBAP, Manager, Banking Regulatory Compliance, KraftCPAs PLLC, Nashville, Tenn.

Rod Alba

Chris FinneganConnie Edwards

Tammy Kloeppel

Anita Albright-Gaymon

Greg Gonzales

Aaron Rykowski

Patti Blenden

Amy G. Greene

Natalie Straus

Coralyn Carter

Leah Hamilton

Rachel Webster

Joey Croom

Kevin Kane

Drew Young

Dave Dickinson

Shaun Kern


2018-19 COMPLIANCE COMMITTEEChairman: Lauren Smith, CRCM, Vice President Risk Management, Decatur County Bank, Decaturville Scotty Alsup, Senior Manager, CPA, CBA, Alexander Thompson Arnold, PLLC, DyersburgJill Allison, CCBCO, AVP Compliance/BSA Officer, First Bank of Tennessee, DaytonLori Barry, Vice President, Compliance Officer, CedarStone Bank, LebanonMarci Bechard, CRCM, Vice President, Bank Compliance Officer, Franklin Synergy Bank, FranklinHenri Burton, Vice President, BSA Officer, Reliant Bank, FranklinTina Cline, CRCM, CCBIA, First Vice President/Chief Compliance and CRA Officer/Audit Manager, First Century Bank, TazewellDebbi Cook, Compliance Officer, Citizens Bank of Lafayette, LaFayetteLeighanne Covington, Esq., Senior Vice President, Head of Bank Administrations & Compliance, TNBANK, Oak RidgeAllen B. (Joey) Croom II, CRCM, CAMS, Compliance Risk Advisor, Sentry Advisors, LLC, FranklinConnie Edwards, CRCM, Shareholder, Saltmarsh, Cleaveland & Gund, BrentwoodBrenda Jones, Vice President, Lending Compliance Officer, Heritage Bank, Clarksville/HopkinsvilleLynn Riddle, Vice President, Compliance and Audit, Apex Bank, CamdenKarina Simon, Loan Compliance, The Hardin County Bank, SavannahScott Williams, Partner, Attorney, Farris Bobango, PLC, NashvilleNikki Winters, CRCM, Senior Vice President, Compliance Director, FirstBank, JacksonDrew Young, Supervisor, KraftCPAs PLLC, Nashville

Who Should AttendCompliance 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.

Thank You to Our SponsorsAlexander Thompson Arnold, PLLC, Milan, Tenn. (Breakfast)Elliott Davis, LLC, Franklin, Tenn. (Coffee Breaks)Kraft CPAs PLLC, Nashville, Tenn. (Mobile App)ProBank Austin, Louisville, Ky. (Wi-Fi and Notepads/Pens)Saltmarsh, Cleaveland & Gund, Nashville, Tenn. (Reception)

ExhibitorsBrown Edwards CPAs, Kingsport, Tenn.Elliott Davis Decosimo, LLC, Franklin, Tenn.Kraft CPAs PLLC, Nashville, Tenn.NContracts, Brentwood, Tenn.ProBank Austin, Louisville, Ky.Saltmarsh, Cleaveland & Gund, Nashville, Tenn.


Hotel InformationEmbassy Suites by Hilton Nashville SE MurfreesboroGroup rate: $159.00 Price single/doubleReservation cut-off date: Monday, February 4th, 2019 Direct link to book: http://embassysuites.hilton.com/en/es/groups/personalized/M/MBTESES-BNK-20190304/index.jhtml

Reception InformationTuesday, March 5th, 2019 at 5:00 p.m.Embassy Suites by Hilton Nashville SE Murfreesboro1200 Conference Center Blvd.Murfreesboro, TN 37129

General InformationTNBankers.org/education/events has information on attire, special needs, cancellation policy, inclement weather policy, photo policy, and our antitrust policy.

Additional InformationAdvance Preparation: No advance preparation is required for this programPrerequisites: NoneProgram Level: Intermediate to advancedDelivery Method: Group-Live

Mobile AppSponsor: KraftCPAs PLLCStay up to date while on the go! Follow these easy steps:1. Open or Download your Guidebook App 2. Tap the “Find Guides” link on the bottom right3. Select the box that reads “Have a Passphrase?”4. Type: tbacompliance19 5. Tap: Get this Guide!

Continuing Education CreditAttendees qualify for 11 hours of Continuing Professional Education (CPE) credit in the area of Specialized Knowledge.

This program has not been pre-approved for continuing education (CE) credit by ABA Professional Certifications. Attendees who require CE credits should go to https://www.aba.com/Training/Certifications/Pages/CEProviders.aspx for further instructions.

Registration FeesFee covers instruction; continental breakfasts, refreshment breaks, and lunch on both days; and reception on Tuesday. Please register early as seating is limited. Day-of-Program registrants are 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.

TBA Members / Associate Members Nonmembers

Early Registration $575 $1,150

Early registration deadline is Tuesday, February 19, 2019.

Registration $625 $1,200

Day-of-Program $675 $1,250

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Return completed form with check payment to:Tennessee Bankers AssociationAttn: Sheena Frech211 Athens Way, Ste 100Nashville, TN 37228-1381 615-244-4871 or 800-964-5525

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EMBASSY SUITES BY HILTON NASHVILLE SE, Murfreesboro, Tenn. | March 5 & 6, 2019

REGISTRATION FORM

TBA Members / Associate Members Nonmembers

Early Registration $575 $1,150

Early registration deadline is Tuesday, February 19, 2019.

Registration $625 $1,200

Day-of-Program $675 $1,250

TUESDAY, MARCH 5 - Sitemason, Inc. Compliance Conf Agenda.pdf · Workshop 2: Fair Credit Reporting Aaron Rykowski, CRCM, SVP – Chief Compliance Officer, WesBanco Bank, Inc., Wheeling,

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