Education Seminar

2015 Safety & Soundness – Certificates
Hear what the DBO, OCC, FRB and FDIC have to say

 

Anaheim Marriott Suites

With the recent banking crisis still fresh in our minds, what the regulators are suggesting as it relates to avoiding another crisis is a chief concern of many banks. Moving towards a “dynamic” risk management procedure was a significant challenge in 2015, but what is on the horizon for 2016?

With this in mind, we will be conducting our 7th annual Safety & Soundness Workshop on September 17, 2015.

We will follow our normal template by using the CAMELS components as our guide for discussing pressing issues facing banks today. Each topic will be table set by our industry experts from the banking world, followed by comments from our banker and regulatory panel. 

On hand will be senior representatives from the OCC, FDIC, Federal Reserve Bank of San Francisco, and the Department of Business Oversight who will share their views with our participants.

Joining us for a special luncheon keynote presentation will be Commissioner Jan Owen from the California Department of Business Oversight. 

Please join us as we dig into the most relevant issues facing our banking industry revolving around enhancing our risk management process to ensure continued success in 2016.

Agenda

8:00 am: Registration and Breakfast 

9:00 am: Safety & Soundness in 2016

Scenarios and Risk Management
Walter Mix, Managing Director, Berkeley Research Group

Safety & Soundness: Examining the Exam
Greg Doner, CEO, FIMAC Solutions
This introduction from Mr. Doner will cover the current Safety & Soundness exam by each CAMELS component and compare the current exam format to that utilized pre-2009. Learn what trigger points are utilized, what metrics are deployed, and what may be the current guidance for each issue. Leave knowing how to prepare for a modern day exam and what is expected.

9:30 am: Asset Quality/Capital: Credit, Stress Tests and Capital Planning
Moderator: David Abshier, Managing Director, Berkeley Research Group

Panel: 

  • Edward Czajka, Executive Vice President and Chief Financial Officer, Preferred Bank
  • Robert F. Schack, Chairman and Director, American Business Bank
  • Brian Eagan, National Bank Examiner, Los Angeles, Office of the Comptroller of the Currency (OCC)
  • Melissa Carlson, Risk Management Field Supervisor, Federal Deposit Insurance Corporation (FDIC)
  • Maisah Ali, Senior Financial Institutions Examiner, California Department of Business Oversight (DBO)
  • Joe Sciacca, Examining Manager, Division of Financial Institution Supervision and Credit, Federal Reserve Bank of San Francisco (FRB)

10:15 am: Funds Management:  Liquidity and Interest Rate Risk
Moderator: Greg Doner, CEO, FIMAC Solutions

Panel: 

  • Melissa Carlson, Risk Management Field Supervisor, Federal Deposit Insurance Corporation (FDIC)
  • Brian Eagan, National Bank Examiner, Los Angeles, Office of the Comptroller of the Currency (OCC)
  • Maisah Ali, Senior Financial Institutions Examiner, California Department of Business Oversight (DBO)
  • Joe Sciacca, Examining Manager, Division of Financial Institution Supervision and Credit, Federal Reserve Bank of San Francisco (FRB)

11:00 am: Break

11:15 am: Management: Human Capital Staff/Management/Board
Moderator: Walter Mix, Managing Director, Berkeley Research Group

Panel:

  • James D. Hicken, President and Chief Executive Officer, State Bank of India (California)
  • David L. Rosenblum, Director, Hanmi Financial Corporation
  • Greg Doner, CEO, FIMAC Solutions
  • Maisah Ali, Senior Financial Institutions Examiner, California Department of Business Oversight (DBO)
  • Brian Eagan, National Bank Examiner, Los Angeles, Office of the Comptroller of the Currency (OCC)
  • Melissa Carlson, Risk Management Field Supervisor, Federal Deposit Insurance Corporation (FDIC)

12:00 pm: Safety and Soundness: A California Progress Report
Jan Lynn Owen, Commissioner, California Department of Business Oversight (DBO)

1:30 pm: Operation Risk: Vendor, Cyber and Technology
ModeratorDavid Abshier, Managing Director, Berkeley Research Group

Panel

  • David Harvey, Executive Vice President and Chief Operating Officer, Citizens Business Bank
  • Greg Doner, CEO, FIMAC Solutions
  • Norman Comstock, Managing Director, Berkeley Research Group
  • Ricky Lin, Financial Institution Examiner, Federal Deposit Insurance Corporation  (FDIC)
  • Melissa Carlson, Risk Management Field Supervisor, Federal Deposit Insurance Corporation (FDIC)
  • Brian Eagan, National Bank Examiner, Los Angeles, Office of the Comptroller of the Currency (OCC)

2:30 pm: Afternoon Break

2:45 pm: Earnings: Strategic Risk and Profitability
Moderator: Walter Mix, Managing Director, Berkeley Research Group

Panel:

  • David C. Sandler, Partner, Sandler O’Neill & Partners LP
  • Greg Doner, CEO, FIMAC Solutions
  • Robert F. Schack, Chairman and Director, American Business Bank
  • Joe Sciacca, Examining Manager, Division of Financial Institution Supervision and Credit, Federal Reserve Bank of San Francisco (FRB)
  • Brian Eagan, National Bank Examiner, Los Angeles, Office of the Comptroller of the Currency (OCC)
  • Melissa Carlson, Risk Management Field Supervisor, Federal Deposit Insurance Corporation (FDIC)
  • Maisah Ali, Senior Financial Institutions Examiner, California Department of Business Oversight (DBO)

3:45 pm: Final Thoughts

4:00 pm: Adjourn

Scheduled Speakers

Industry experts, bank regulators, and bankers with diverse perspectives on the current issues and challenges facing the industry will offer their wealth of experience in the California banking industry, including: 

Regulators

  • California Department of Business Oversight 
    Maisah Ali, Senior Financial Institutions Examiner
    Maisah Ali is a Senior Financial Institutions Examiner in DBO’s Los Angeles Office. She has been a safety and soundness examiner for ten years and experienced in community bank, foreign banking organization, and large bank supervision. She is a certified Senior Bank Examiner and Anti-Money Laundering Specialist through the Conference of State Bank Supervisors, as well as a Certified Public Accountant. She graduated from California State University, Long Beach with a Bachelor’s degree in Business Administration (Accounting) with a minor in Business Economics. Maisah is also a 2013 graduate of Pacific Coast Banking School. 
     
  • Office of the Comptroller of the Currency
    Brian Eagan, National Bank Examiner, Los Angeles
    Brian is a National Bank Examiner assigned to the Los Angeles Field office for the Office of the Comptroller of the Currency (OCC). He has over 30 year experience in conducting examinations in various sized institutions. He is currently the examiner in charge of the largest commercial community bank in the Western District for the OCC. Brian earned his bachelor’s degree in finance from the University of Missouri.
     
  • Federal Reserve Bank of San Francisco
    Joe Sciacca, Examining Manager, Division of Financial Institution Supervision and Credit
    Joe Sciacca serves as an Examining Manager in the Community Institutions Group. In this role, he oversees the direct supervision of a portfolio of community banks and holding companies located in Northern and Southern California.

    Since joining the Reserve Bank in February of 2012 as a safety and soundness examiner, he has both participated in and oversaw numerous examinations and inspections of community banking organizations, branches and agencies of foreign banking organizations, and holding companies.  In 2014, he transitioned into the current Examining Manager position.

    Prior to joining the Federal Reserve, Joe worked as a safety and soundness examiner for the California Department of Financial Institutions, focusing on troubled institutions in the California Central Valley during the Great Recession.

    Mr. Sciacca holds a Bachelor of Science degree in Managerial Economics from the University of California at Davis, and is a graduate of Pacific Coast Banking School.
     
  • Federal Deposit Insurance Corporation
    Melissa Carlson, Risk Management Field Supervisor
    Melissa Carlson has been with the FDIC for 25 years. She started in 1990 in the Orange County Field Office and earned her commissioned in 1993. She was then promoted to Supervisory Examiner in 1998 and Field Office Supervisor in 2006. Additionally, she represented the San Francisco Region for three years on the National Field Supervisor’s Council. She oversees a staff of 30 ranging in tenure from 1 year to 29 years. The Orange County territory covers all surrounding counties including San Diego, Riverside, and Imperial. She is an Honors graduate from Kent State University and also graduated with Honors from Pacific Coast Banking School in 2008.

    Ricky Lin, Financial Institution Examiner
    Ricky Lin is a Financial Institution Examiner in FDIC’s Orange County office. He has led several IT examinations at community banks. He also served as an Acting Examination Specialist in San Francisco. In this capacity, he was a regional resource for IT, cybersecurity, and vendor management and provided guidance on the necessary actions to address both informal and formal IT actions. Prior to joining the FDIC, he was in the banking industry and underwrote commercial real estate, commercial & industrial, and residential loans. Ricky earned his bachelor’s degree, magna cum laude, in finance from California State Polytechnic University, Pomona. 

Banking Experts

  • Berkeley Research Group
    Walter Mix, Managing Director
    Walter J. Mix III is a Managing Director and heads the Financial Services practice at Berkeley Research Group. He is a former commissioner of the California Department of Financial Institutions (DFI) and also previously served as a banking executive at Union Bank of California.

    Mr. Mix advises domestic and international bank clients on corporate governance, risk management, strategic planning, and financial advisory assignments. He has significant experience in strategic planning, mergers and acquisitions, enterprise risk management, regulatory compliance, and capital planning. He has also advised clients on reengineering and implementing technology to improve profitability. In addition, he performs litigation and expert services based on his extensive expertise in financial services. He speaks frequently before bankers’ groups and regulatory seminars.​

    David Abshier, Managing Director
    David Abshier has over 25 years of banking and executive management experience in a variety of functions, including: management and regulatory consulting/advisory, expert testimony, chief credit officer, risk assessment manager, corporate compliance manager, senior federal bank examiner, financial and credit analyst, and branch operations officer.

    Mr. Abshier provides consulting and advisory services to financial institutions throughout the United States and overseas, including services related to strategic planning, financial analysis, organizational assessments, director and management reviews, credit risk management, commercial and residential mortgage loan underwriting and securitization, loan servicing, litigation support, corporate governance, enterprise-wide risk management, Bank Secrecy Act/Anti-Money Laundering, consumer compliance laws and protections, general bank practices, enforcement actions, and regulatory issues.

    Norman Comstock, Managing Director
    ​Norman Comstock advises clients on enterprise risk management, information technology governance, technology assurance, program management, and cybersecurity. Mr. Comstock has experience leading complex, high-profile projects and initiatives for investment due diligence, integration, divestitures, and program management for high-risk, multiyear, multi-vendor projects. He has advised clients across diverse industries and geographies including construction, energy, financial services, healthcare, higher education, high technology, and manufacturing, as well as state, local, and federal governments.

    Mr. Comstock advises clients on aligning IT with business strategies, creating clear IT roadmaps to support organizational business objectives, and transforming business processes to optimize outcomes. He facilitates requirements definition among key stakeholders to reduce surprises and foster sustainable change management that is technology agnostic. As a nationally recognized business intelligence (BI) professional, Mr. Comstock is also proficient in data warehousing, analytics, and reporting solutions.

    In the past decade, Mr. Comstock has specialized in cybersecurity risk mitigation. He has advised clients on network and application vulnerabilities, penetration testing, social engineering exploits, and growing compliance requirements that blur the lines between security and privacy concerns.​
  • FIMAC Solutions
    Greg Doner, CEO
    Greg Doner is Chairman/CEO of FIMAC Solutions LLC, Denver. His 35+ year career spans banking, consulting, investment banking, and software development for banking. He conducts speaking, educational, and authorship engagements on banking issues and is a past faculty member of the FFIEC Risk Management series and currently serves on the editorial board for the Bank Asset/Liability Newsletter. He was Engagement Manager for a system wide loan review for the Federal Agricultural Mortgage Corporation (Farmer Mac). Mr. Doner is a former CFO of community banks.

Panelists

  • American Business Bank
    Robert F. Schack, Chairman
    Robert Schack has been in the banking business for over 45 years. He served as a senior officer at both Security Pacific Bank and 1st Business Bank, leading to American Business Bank, where he is the founding Chairman. Bob also serves as Chairman of Memorial Health Services, and is active on the Board of the Greater Long Beach YMCA, and the Board of Governors at Long Beach State. Bob holds both Bachelors of Science and Masters of Business Administration degrees from Long Beach State. He is also a graduate of UCLA’s Executive MBA program.
     
  • State Bank of India (California)
    James D. Hicken, President and Chief Executive Officer
     
  • Preferred Bank
    Edward Czajka, Executive Vice President and Chief Financial Officer
    Mr. Czajka is Executive Vice President and Chief Financial Officer of Preferred Bank in Los Angeles, a post he has held since 2006. Before joining Preferred Bank, Mr. Czajka was Executive Vice President and Chief Financial Officer of North Valley Bancorp in Redding, California. From 1994 through 2000, Mr. Czajka held the position of Vice President, Corporate Controller for Pacific Capital Bancorp in Santa Barbara, California. Mr. Czajka received his Bachelors of Science degree in Business Administration from Capella University and is a graduate of the Bank Administration Institute Graduate School of Banking at Vanderbilt University. Mr. Czajka serves as the Board Treasurer for the Los Angeles Chapter of the Risk Management Association (“RMA”) and also serves on the Board of Directors of Shane’s Inspiration, a non-profit based in Sherman Oaks, California.
     
  • Citizens Business Bank
    David Harvey, Executive Vice President and Chief Operating Officer
    David Harvey, Executive Vice President and Chief Operations Officer, joined the Bank in December of 2009 as a seasoned bank operations professional with experience in commercial loan servicing, loan documentation, foreign exchange, payment operations, cash management, information technology, budgeting, process improvement, vendor management, and treasury services. He began his banking career in 1990 with First Nationwide Bank in Sacramento, where he managed the development of cash management services including ACH, Wires, and Lockbox with a focus on middle-market business banking. In 2000, Dave was hired by Bank of the West, where he ran various Operations Departments and, most recently, served as Executive Vice President of the Commercial and Treasury Services Division.

    Mr. Harvey received his Bachelor of Science Degree in Business Administration and Accounting from California State University at Sacramento. He is also a graduate of Pacific Coast Banking School. He is a Certified Treasury Professional and a member of the Association for Financial Professionals and also serves on the WesPay Board of Directors.
     
  • Hanmi Financial Corporation
    David L. Rosenblum, Director
    David L. Rosenblum is a director of Hanmi Financial Corporation and its subsidiary Hanmi Bank.  He is also the President of the National Association of Corporate Directors Southern California Chapter; a partner in Sage Partners, LLC and an operating advisor to a private equity firm.  Mr. Rosenblum retired from Deloitte Consulting in 2013.  During his 34 year career with Deloitte Consulting, he advised clients on strategy, finance and M&A, as well as holding multiple leadership positions.  Mr. Rosenblum received a MBA in finance from Wharton and a BA in economics from Wesleyan, where he was elected to Phi Beta Kappa.
     
  • Sandler O’Neill & Partners LP
    David C. Sandler, Partner
    David C. Sandler is a partner with Sandler O’Neill and Partners L.P., the nation’s leading investment banker and advisor to banks. He works with the firm’s clients in all aspects of strategic planning and franchise value enhancement, including asset/liability management, mergers and acquisitions and corporate finance. Mr. Sandler also advises the firm’s private equity clients on capital raising and depository strategy. He is a frequent lecturer at banking graduate schools, trade associations, and industry conferences.

    Mr. Sandler received a Bachelor of Arts degree in economics from the University of California, Los Angeles. 

Luncheon Keynote

  • California Department of Business Oversight
    Jan Owen, Commissioner

Jan Lynn Owen was appointed in 2013 by the Governor to be the first Commissioner of the Department of Business Oversight (DBO). The DBO was formed in 2013 from the merger of the Department of Corporations and Department of Financial Institutions.

Previously, Ms. Owen served as Commissioner of the Department of Corporations and worked at the Department of Financial Institutions, where she served as acting commissioner from 1999 to 2000.

Ms. Owen’s private sector experience includes stints as vice president of government affairs at JP Morgan Chase, state director of government and industry affairs at Washington Mutual Inc., and executive director of the California Mortgage Bankers Association.

Audience

  • CEOs, CFOs, COOs, Chief Credit Officers, compliance officers and senior bank officers
  • Controllers, credit offers, compliance, operations managers, audit and accounting managers, financial anaylsts, treasurers, cashiers
  • Bank directors, general counsel

Location Information

Thursday, September 17, 2015

Anaheim Marriott Suites
12015 Harbor Blvd
Garden Grove, CA 92840
(714) 750-1000
 

Credit Information

Program Level: Update for all levels

Prerequisite: None

Advance Preparation: None

Method of Presentation: Group – Live (Lecture, Discussion, and Table Exercises)

Recommended CPE Credits: 6.0 Hours Maximum
(Estimated 2.0 Finance, and 4.0 Specialized Knowledge and Applications)
Sponsored learning activities are measured by program length, with one 50-minute period equal to one CPE credit. One-half CPE credit increments (equal to 25 minutes) are permitted after the first credit has been earned in a given learning activity. Please note that not all state boards have adopted this rule. Some participants may not be able to use one-half credit increments.

FAQs

Are Institute of Certified Bankers continuing professional education credits offered for this program?

Yes. In addition to the NASBA CPE credits, the Institute of Certified Bankers is certifying this program for credits toward their CRCM designation. Visit aba.com/icb/membercereview for instructions regarding self-reporting. Estimated credits: 6.0 hours CRCM

Commands