Creating a Culture of Courage
The New Leadership Challenge
As companies ask their employees to take more risks, fight against legacy experiences, innovate at every turn and anticipate the future, courage is becoming an ever more critical leadership and job skill. In this popular, deeply researched and highly entertaining talk, Cindy shares the learnings of over 8,700 interviews about courage, leadership, and success within our ever-changing corporate cultures. She helps audiences understand and identify their unique type of courage - sharing not only the information but the skills every leader and individual needs to know to “build their courage” and create teams that communicate, innovate and improve with every experience. Cindy Solomon is a world-renowned leadership expert, author and speaker who helps Fortune 1000 companies build Courageous Leadership at scale, better enabling their teams and organizations to compete and win in today’s customer-driven economy.
Enjoy the Ride™
The True Joy in Life is in the Trip
A blueprint for getting the most out of life, Enjoy The Ride™ is a hilarious and brilliantly conceived message that causes people to examine where they are personally and professionally. It lifts people up and inspires them to evolve and appreciate, rather than simply maintain and exist. Join Steve for a reminder that If you want to achieve true success and fulfillment, you must first discover an enthusiasm for your work and personal life. Decide where you are heading, get on the bus, choose the right seat and Enjoy The Ride™! A member of the Speaker Hall of Fame, Steve Gilliland is a master storyteller and brilliant comedian. He built a multimillion-dollar company from the ground up on the same philosophy he expounds to his audiences: If you continually learn more about your company, your industry, your customer and yourself, you will always be a leader. You will be purpose- driven rather than process-driven, and you will make a difference.
The Top 60 Compliance Violations
Adam Witmer, Compliance Cohort This fast paced and energetic session will review 60 of the most common compliance violations. Aiming to communicate an average of one violation per minute, the speaker will walk the tightrope between speed and effective communication in an attempt to possibly set some sort of lame compliance world record. Topics will be presented with a presumed risk so that compliance professional can easily prioritize each potential problem area - meaning more time will be spent on the more complicated, higher- risk areas while less time will be spent on the lower-risk areas. While compliance topics can often be mundane, expect this high-energy session to bring a bit of excitement - and even some humor - to an otherwise boring subject.
State of HMDA 2019
Carl Pry, Treliant Risk Advisors
The CFPB’s new 2018 HMDA rules are now in effect, although the CFPB had announced that enforcement of the new rules will be delayed at least a year. Submission is rapidly approaching – are you ready? The new rules expand what types of loans are covered, and many more data elements (110 to be exact) are now to be collected. As well, the submission and disclosure processes will change, to the new CFPB online method. What do the CFPB’s announcements mean? Should smaller lenders collect the new data? Will examiners be looking at it? What are the fair lending issues and risks you need to be aware of after submission? As well, the existing HMDA data elements must still be collected and submitted properly. We’ll discuss the current state of HMDA and get some of your questions answered.
Insights from the Regulators
This session features a panel of senior bank regulators who will discuss new and proposed rules and the latest “hot button” compliance issues. Bring your questions and don’t miss this chance to gain insights that could help in your next exam.
Complaints as a Risk Management Tool
Paul Osborne, Crowe LLP
A proper complaint management system can be one of the best tools a bank has to refine its operations. Not only can complaints point out areas where an institution can improve customer satisfaction, but they are also an indicator of risk exposure. This session will explore CFPB hot topics for 2019 and what is scalable for community banks, focusing on UDAAP, ODP and elder exploitation. We will talk about how examiners investigate complaints and employ them during risk-focused supervision. Bring your questions and get some answers during this interactive session.
Planning for Your Bank's Future
Geri Forehand, Forehand Strategy Group
How do we describe value? What are bankers thinking? What is the future? What are the strategies? This session will explore current and future industry expectations and how boards are setting direction to enhance shareholder value.
The Dark Cloud Behind the Silver Lining - Four Things to Worry About in the Economy
Chris Kuehl, Armada Corporate Intelligence
Now that we are at the half way point of the year we are watching a few developments that will likely pose a challenge to the financial community and the business world as a whole. What can be said about inflation, interest rates, trade and employment/productivity? These are the subjects that have been causing tactical and strategic plans to be altered - what does the rest of the year look like?
How Do Hackers Hack-Methods Used Against Your Bank
Steve Stasiukonis, Secure Network
You hear the term often, yet most people don’t understand what truly happens when a hacker breaches their infrastructure. This program explains the various ways Hackers, “Hack”. This program is designed to be an easy to understand explanation of the technical and non-technical methods used by hackers, and what you need to do to protect yourself and your company.
How the Best Boards Get Better: Next Practices to Enrich Your Board
Jeff Rendel, Rising Above Enterprises
As banks continuously evolve to remain relevant for their customers, the best boards realize that they must change, too. These boards: focus on strategic thinking first and foremost; regularly recruit, renew, and refresh their board membership; and, constantly look to innovative governance practices from the for- and not-for-profit sectors. Learn some of the most effective board dynamics, from contemporary bank models, as you seek to ensure your owners and customers have the best and most pertinent representation and leadership for their bank.
FinTech, Digital Transformation and the Customer Journey
Marcie Bomberg, Wipfli LLP
This session will discuss the current and future trends in FinTech and Digital Transformation and how a community bank can be nimble enough to fulfill changing customer expectations. Once your bank has determined your “posture” towards emerging tech and digital, what’s the next step? We’ll discuss a roadmap to get you there, including how to deal with your legacy technology and give real life examples of what other community banks have done and are doing.
Destination Dark Web…Experience the Unknown Layers of the Internet
Steve Stasiukonis, Secure Network
Network breaches and hacks occur every day, a significant amount of that stolen data ends up for sale on the Dark Web with other contraband. You have heard about the Dark Web, but have never really seen it. This session explains the Dark Web and how you to safely experience it. Topics will include technical requirements and procedures needed to gain access, best practices and how to protect yourself, purchasing items on the Dark Web using digital currency and how NOT to become a victim when in the Dark Web. This session will end with a live demo inside the Dark Web and shopping in the dark markets.
Top Five Issues inTechnology Risk Monitoring
Dan Hadaway, CISA, CISM, CRISC, Infotex
SIEMs, SEMs, SOCs and Security. The managed service provider becomes even more important as we outsource the ever-evolving process. What quality controls should be in place? What due diligence should we be performing? These are two of five issues we’ll discuss as we open the hood of the managed security service provider, in an attempt to help bankers realize what happens when they outsource technology risk monitoring.
How Innovation and Fintech Will Shape the Future of Banking
Kevin Tweddle, ICBA Services Network
This session will address how growing community banks are changing the way they do business to account for the digital transformation occurring in the banking industry today. We will discuss why community banks are looking to fintechs for assistance and the best practices for successful fintech partnerships. The conversation will touch on the need for cultural transformation, personnel needs and challenges, what role innovation plays in the bank’s strategy and the need for new solutions and external assistance. We will focus on what the future of banking looks like, and how emerging technologies will play a role in the bank going forward. We will highlight the growing competition in the space and provide resources to assist with the innovation and fintech partnership process.
Transaction to Interaction: The Role of the Branch in the Age of Automated Banking
Steve Reider, Bancography
Since the first ATM was introduced in 1967, bankers have heard predictions of the demise of the traditional retail branch. Now, amidst relentless cost pressure, expanding electronic channel alternatives, and declining in-branch transaction volumes, calls continue for banks to reduce the scope of their branch networks. In reality, they should pursue just the opposite. Branches remain the dominant channel for new account opening, and empirical evidence proves that larger branch networks capture a disproportionate share of balances. But most importantly, to the extent that community-based institutions can encourage customers to utilize the branch channel, those institutions can reinforce their greatest differentiating trait – their people.
Secrets to Mortgage Success in a Competitive Market
Tracy Marks, LenderSelect Mortgage Group
In a world where everyone expects instant gratification, it is no surprise that people are turning to mobile apps and online mortgage programs to gain immediate approval – potentially at a lower cost. Your talent will help you shine as a community lender, but that alone may not be enough to win borrowers over in this competitive purchase market. In this presentation, you will learn how to compete and come out on top in this environment using specific strategies that highlight your competitive advantages as a community lender to homebuyers.
The Fintech Effect: Planet of the Apps
Dave DeFazio, StrategyCorps
Consumers are no longer loyal to traditional banking providers, and nimble competitors are rushing in to capitalize on this weakness. With millions of users, digital innovators like Venmo, Square, and PayPal are redefining banking experiences and changing the way consumers shop for and acquire financial services. As a followup to last year's wildly popular session, we will explore the intersection of mobile UX and financial retailing. Attendees will see live demonstrations of new digital tools from fintech disruptors that are reimagining every aspect of banking and winning the battle for Millennial customers. Learn how to respond to new consumer behaviors and changing attitudes about traditional banking products and see how financial services should work in a modern world.
The Secret to Delivery Channel Management
Tom McGill, Profit Resources Inc.
Branches, ATMs, ITMs, contact centers, LPOs, online, mobile...where does it stop?! How do you know when it’s not enough, and how do you know when it’s too much? We’ll explore tips and tricks around the evaluation of the bank’s current channel structure and how to create a roadmap to help plan for the future of retail delivery.
How to Obtain Referrals and Develop Referral Sources
John S. Johnson, Approval Payment Solutions
Referrals are the quickest and most professional way to develop business, yet only 29% of professionals are ever asked for a referral. This session will provide answers to the crucial questions of "why" and "how" and attendees will learn a sure-fire success rate with the straightforward and interactive method. Attend this session and you will forever have a fully-stocked pipeline!
A CSR at Every Desk – The Customer-Centric, Growth-Focused Culture
Jeff Rendel, Rising Above Enterprises
Customers are your most valuable assets; they provide for your ability to grow. Every role at your bank leads to the same results – customers’ success, experience, and contribution to profit. If you want a culture that supports top-line growth and stellar performance; align your sales, service, and support systems with your strategic choices. A “customer first” approach and a results-based culture helps your bank increase sales, service levels, and profits. All employees hold the title of “CSR” and individually help your bank earn the right to grow for and with its customers.
Top 50 Sales Tips for 2019
Duane Sobecki, Focused Results
This high-energy presentation focuses on money-making and business development ideas from the best community banks across the country. These ideas will increase revenue, increase contacts, and generate more referrals for your key business units. We will introduce you to fifty easily implemented ideas that will help produce the best opportunities this year. This session will challenge you to think differently about the ways you reach customers and prospects and drive additional revenue.
Obtain and Retain More High-Valued Business Clients
Chris McNulty, Merchant's PACT
With the increasing number of informal credit sources for businesses, financial institutions need to focus on unique ways to obtain and retain business clients. In this session, learn how to make your merchant services program the catalyst in attracting new, younger businesses and the foundation on which to build trust, savings, and a stronger relationship with your customers.
Pending Fiduciary Litigation Issues
Eugene Maloney, Federated Investors
Increasingly fiduciaries are being challenged on what has been to the present acceptable norms of conduct under the Law of Trust in the Uniform Prudent Investor Act. These challenges have taken the form of cost being dispositive of prudence, index funds are per see prudent, active management can in certain circumstances be prudent. There are points in time where it is mandatory to divest an underperforming security. The presentation will discuss the appropriate responses to these kinds of accusations based on existing well settled fiduciary law.
Unique Assets and Other Regulatory Hotspots
Steve Savich, Indiana Department of Financial Institutions
This session offer insights on how you can better manage the exam and audit process and will hone in on the regulatory guidance for assessing the management of unique and hard-to-value assets and other regulatory issues.
Integrating Trust Services With Your Relationship Culture
Tom Hershberger, Cross Financial
This presentation identifies the resources and development activities required to support a bank-wide relationship building process. Basic business development and call programs are not enough. Expanding relationships with trust and wealth management services must be supported by companywide activities. Product knowledge, combined with leadership, performance goals, data management and sales skills will produce enhanced results. Whether your bank has an active relationship development program or not, you will want to attend this informative presentation. You will hear about proven tools for designing and managing successful relationship activities and receive materials and forms to help improve your trust and wealth management relationships.
Indiana Legislative Developments: The Latest and Greatest Wealth Management Changes for 2019
Rodney Retzner, Krieg DeVault LLP
The 2019 Session of the Indiana General Assembly is tackling several bills that, if enacted, will impact your trust business including legacy trusts, electronic wills, an elder abuse registry, changes to ABLE Accounts and supported decision making. This session will cover the latest wealth management and trust developments in Indiana including effective dates and possible implications for your institution.
Wednesday, May 15
What Banks Are Doing to the Streamline Commercial Lending Processes
Tim Reimink & Tom Grotke, Crowe LLP
Competing in the current environment requires community banks to seek opportunities to be faster and more efficient. Technology is available to automate processes, but improving commercial loan processes is about more than just technology. In addition to new systems, it involves rethinking processes, job roles, expectations and portfolio risk management. This session will highlight changes that progressive community banks have made to automate and streamline commercial lending, and give examples of success.
Be Alert as the Credit Cycle Grows Old: Opportunities and Challenges for Commercial Lending
Dev Strischek, Devon Risk Advisory Group LLC
The current credit cycle is nearing an uncertain end. Banks of all sizes must consider key factors influencing both risk appetite and business opportunities. This session will examine lessons learned from prior late-stage credit cycles as well as factors unique to the current cycle including American politics like regulatory rollbacks and volatile trade policies, plus issues like CECL, and the alarming growth of corporate, government and consumer debt.
How to Safely Generate Income Through SBA Lending
Gary Huff, Premier Capital
Eric Armacost, IN District Office, U.S. Small Business Administration
SBA lending is one of the key lending activities that can quickly and dramatically improve the bottom line of a community bank. Some banks are reluctant to pursue SBA because they have heard stories of the denial of loan guarantees and that the loan process is too time consuming and complex. This discussion will feature experts who will help you increase the profitability of your SBA department, including tips for maximizing your related staffing and cost structure.
Agricultural Finance Update – Credit Impacts of the Current Environment
Jeff Davey, MBA, CRC, Wipfli LLP
The current environment of agricultural economics is presenting special challenges for agricultural finance. What lessons were worth learning from the 1980’s, and how can they be used to navigate through the current challenges? What is the impact of margin compression in the industry on the individual farm client and broader agricultural portfolio? This session will discuss the latest trends in the industry and best practices for meeting the current challenges with your clients. We will also address issues and opportunities with respect to the administration of the portfolio.
Managing from the Bottom Up
John Baptista Jr., Impact Training & Consulting
Traditionally organizational charts have been in the form of a pyramid, with the CEO, or leader at the top. But times have changed and for some, so has the organizational chart. What if we view the organizational chart not as a typical pyramid, but as an inverted pyramid, with the CEO at the bottom, balancing the rest of the organization on the pyramid’s point? This presentation focuses on the inverted pyramid and why it is more realistic. Topics include the importance of teamwork, key traits and finding your focus. Attendees will leave with a fresh perspective on how they can impactfully lead from any position in the pyramid.
From I to We: Building Trust One Conversation at a Time
Sarah Noll Wilson, Sarah Noll Wilson Inc.
Humans thrive when we are included, valued, learning, and contributing in meaningful ways. We thrive when stress and conflict is productive. But thriving is not a solo job. Our success personally and professionally is directly impacted by the quality of our relationships. We build relationships one conversation at a time and each conversation will impact our level of trust. The problem is most of us spend our time on autopilot, responding from a place of habit and our brains are naturally wired to protect us. Leveraging bold, new research on the neuroscience of trust, this session will introduce the audience to the practice of Conversational Intelligence® and provide practical tips for creating more powerful relationships through conversation.
Sarah Gibson, Accent Learning and Consulting
We know a polished, professional presenter when we see one, but we often assume their charisma and skills are in-born or beyond our reach. However, research shows there are specific things good presenters do to show off their presentation prowess. Join us as we discuss and practice ways to develop tangible skills that will give your more confidence as you present, including: handling nerves, using non-verbals to your greatest advantage, and charismatically connecting with audiences of 3 to 300.
Community Bank ALCO Essentials
Steve Doan, FHLBank Indianapolis
Over the past decade, the role of ALCO at many community banks has changed. With record low rates for extended periods of time, core deposits were growing, and many more community banks began outsourcing asset/liability management reporting. Rising interest rates and strong economic growth have created more balance sheet funding challenges for community banks with the competition for core deposits heating up. In this session, we will discuss key topics that community bank ALCOs should be discussing with themselves related to balance sheet funding, interest rate risk, and generally why it is important to have ALCO engagement.
Funding Strategies for a Changing Deposit Marketplace
Tom Parliment, Parliment Consulting Services
Managing average costs will never help you minimize the cost of funding your balance sheet in a flat or inverted yield curve. You must manage your marginal cost of funds in order to optimize interest expense savings! But, managing deposit costs is more than just pricing. It requires the retail tools of market segmentation and product differentiation in order to price rate sensitive vs. non-rate sensitive customers. This session will show you how to segment customers, differentiate products and optimize interest expense savings.
Late-Cycle Strategies for Interest Rate Risk and Investments
Jeff Caughron, The Baker Group
As the US economy moves through its 10th year of expansion, balance sheet trends, performance data, and market conditions are beginning to exhibit classic late-cycle behavior. This session will look at the banking landscape in terms of interest rate risk and investment management strategies that make sense in the current environment. The effects of a flattening yield curve, rising cost of funds, and competitive constraints on loan pricing will be examined. We’ll consider helpful tools, resources, and techniques that can make risk-management and security selection decisions easier for bank managers. Lastly, we’ll discuss best practices with respect to funding and liquidity risk management, a topic that continues to be a high point of focus for bankers and regulators alike.
Accounting Insights for Community Banks
Katie Schnieber & David Klopfer, Clark Schaefer Hackett
This session will cover hot topics, issues and trends in accounting and reporting including updates on the standards for revenue recognition, leases, CECL and recognition & measurement of financial assets and liabilities. We will cover the tax highlights of TCJA now that there is full implementation and better understanding and highlights of the OCC Bank Accounting Series.
Rethinking Anti-Harassment in the #MeToo Era: Lawyers are the Problem
Paul Sinclair, Ice Miller
The #metoo era began as an effort to affect Hollywood, but its impact has been felt in every segment of the American culture, including every workplace. Why is harassment still such a significant problem after 30 years of anti-harassment training? Why have the number of harassment claims actually gone up? Our presenter will explore how lawyers have caused the issue to still be as prevalent today as it was 30 years ago and what can be done about it…if we are willing to think about anti-harassment training in a new and different way. This promises to be an energetic, thought-provoking and engaging session.
Mad Men to #MeToo – shifting from sexual harassment compliance to culture change
Sarah Gibson, Accent Learning and Consulting
We’ve watched business culture shift from the world of AMC’s Mad Men TV series to the #MeToo movement, leaving many people afraid, nervous and skittish that somehow, they too have said or done something inappropriate. The result? A workplace fraught with insecurity over the smallest things. This session moves beyond sexual harassment training and focuses on creating culture-changing conversations about what each of us can do to create healthy, dignified cultures for all employees.
How "Smart" Are Your Emotions
Jackie Rolow, SHAZAM
Understanding and using emotions correctly can make you a better communicator and, ultimately, more effective in your job. This session will discuss strategies to increase your emotional intelligence and how to translate that into knowledge for better decision making.
But That Wasn't my Intention! Closing the gap between your intention and Impact
Sarah Noll Wilson, Sarah Noll Wilson Inc.
Most people do not wake up asking themselves, “Gee, how I can be a barrier to success today?” We can all agree we want to know “How do I create impact?” While there are barriers to that goal we know exist, the real problem is that we get caught in the land of good intentions. Yet we believe that having good intentions is not the same as being intentional which is why we have to close the gap between our intentions and impact. How? By deepening our awareness of the internal and external factors that contribute to our impact. You’ll leave with real, relevant insights for professional and personal growth, and practical applications to move from the land of good intentions to powerful impact.
Improving Your B2B Client Base Without Breaking a Sweat
Eric Silversten & Luke Tatge, Epicosity
You know your consumer base—down to their most minute needs. But how well do you know your commercial customer? What are their wants and must-haves in a financial-service provider, and how can you best communicate with them? We’ll walk through ways to get across to your community and regional business leaders and how to make your commercial lending division one to reckon with.
Measure Me: How to Know if my Digital Marketing Strategy Is Working
Kendra Ramirez, Kendra Ramirez Digital Agency
How do you know if your digital marketing efforts are actually working and providing a positive ROI? Now that digital campaigns are able to track activity for optimization and enhancement, many community bankers struggle with how to interpret all the data available to measure success. This session will review the digital strategy framework, essential tools and metrics and give real examples of ROI in action to help you benchmark your bank’s digital efforts and optimize for success.
Spice up Your Social Media Strategy
Bryan Freeman, HT Mobile Apps
How much time and energy is your ﬁnancial institution currently spending on social media? You may be wondering whether this is the best use of your team’s time. If you’ve asked yourself these questions, if you’re just getting started, or if you’re planning on ramping up your social marketing efforts this year, this session will provide the best approach to take based on your needs, plus tips and ideas to get you started.
The New Marketplace and the New Customer: Everything Has Changed
Tim Pannell, Financial Marketing Solutions
The key to successful marketing and branding is being relevant to the marketplace (customer). However, the marketplace has gone through dramatic changes and has resulted in a totally new paradigm between corporate America and the customer. Therefore, what are the characteristics of this new marketplace, what is important to the customer today and what does the new customer path to adoption look like. Understanding the new marketplace and the new customer will allow your bank to better position itself for greater success. Marketing the way the bank has always been done will no longer be effective today.
Banking High-Risk Customers
Robin Guthridge, Wipfli LLP Regulators insist they don’t want you to derisk. If you do decide to take on potentially or actually higher risk customers, what specific steps or processes are needed to appropriately manage the AML/CTF risks? What should the risk/benefit result look like? What can we learn from others who have gone before us down this tricky path?
Revenge of the Jedi: Bank Acquisitions of Credit Unions
Richard Garabedian, Hunton Andrews Kurth Credit unions continue to acquire banks and bank branches, but many smaller credit unions are struggling to compete in today's environment. Bank acquisition of a credit union should not be overlooked by institutions needing to right-size to compete. Learn about the NCUA regulations and other issues before your next M&A consideration.
Solving the Regulatory Riddle
Scott Polakoff, Finpro The regulatory environment is rapidly changing. A new regulatory relief bill has just been signed into law. As new leaders take the helm at the federal banking agencies, the focus is shifting more toward risk management and corporate governance practices. Listen to a former senior regulator candidly discuss these changes and how to focus your resources to be prepared for your next examination by focusing on the four pillars of effective risk management. Items to be discussed include a new regulatory focus on funding risks, asset quality, CRA, and stress testing.
Solving the Mystery of Classifying Vendors
Michael Carpenter, Ncontracts If your vendors are labeled or classified solely by dollar amount, you may be in for a surprise. The amount you spend on a vendor, may not correlate to the risk that vendor poses to your institution. There are many factors that you have to consider when labeling a vendor; such as GLBA Information, the financial and operational effects on the institution if the vendor were unable to provide services, and the ability to replace a vendor, which should be included in your third-party risk management policy. All vendors are not created equal. It’s easy to try to categorize them using broad terms, but that may be too vague to be effective. This session will help you with best practices for classifying vendors within a comprehensive management policy for your third - party risk program.