Education Seminar

2016 Risk Governance
Practical solutions for developing a proactive, comprehensive risk governance strategy

Pacific Mercantile Bank Conference & Learning Center, Costa Mesa, CA

Today’s community bank can no longer afford a risk governance strategy with a relatively narrow focus on specific areas such as loans, legal, and (possibly) IT. Rather, today’s risk governance must encompass nearly every aspect of banking management: IT, operations, legal, credit/lending and compliance.

Risk governance is central to addressing key Dodd-Frank requirements, and plays a central role in safety and soundness. Experience shows that banks can create a competitive advantage and maximize value by properly implementing and maintaining a proactive and comprehensive risk governance strategy. This principle applies to banks of all sizes, but the strategy must be tailored to fit each institution’s unique risk profile, size and complexity.

Join CBA and Endorsed Partner WolfPAC Integrated Risk Management for this highly interactive, hands-on workshop as we help you develop practical risk governance solutions that can be implemented immediately by banks of any size. 


The seminar will be held January 28, 2016, from 8:45 a.m. to 3:30 p.m., with breakfast and registration beginning at 8:00 a.m. and lunch at 11:45 a.m..

8:00 – Registration

8:45 – Welcome and Introductions

9:00 – Workshop 1: Defining Your Risk Appetite and Preventative KRIs
Randy Marsicano, Professional Services Senior Manager, WolfPAC Integrated Risk Management
Perform a Google search on “risk appetite” and your result will be an overwhelming amount of information about what it means and what a risk appetite statement should look like.  So why is this topic so elusive and confusing?  It is important for management and the board to understand the critical links among strategy, risk assessments, and monitoring, and ensure all are aligned and congruent. A risk appetite statement is one tool that facilitates this linkage.

In this session, participants will work through a personalized exercise to define their own risk appetite, what their risk indicators are, and what KRI’s to monitor in their risk appetite statement. Participants will then apply that methodology to 2 of the 12 risk areas that bankers would be most comfortable speaking about with their peers. This methodology can then be taken back and used for the remaining areas at their bank.


  • Know the contents of your strategic plan.
  • Bring your credit policy and be familiar with its contents.
  • Bring your Information Security policy and be familiar with its contents.

10:30 – Networking Break

10:45 - The Art of Risk Communication: From Your Most Junior Associate to the Chairman of the Board
Randy Marsicano, Professional Services Senior Manager, WolfPAC Integrated Risk Management
Communication of risk management activities and results becomes more and more challenging as the nature and volume of board reporting requirements expand.  How do you know what to communicate, how much to communicate, and who to communicate it to?  In this session, risk managers will learn best practices for effectively communicating to every level within the Bank, as well as creating appropriate meeting agendas for Risk Management Committees (Management) and the Board.  This session will be structured to contain a 30 minute presentation on best practices, followed by a 15-20 minute open session where we will hear, listen, and learn from the group.

11:45 – Lunch

12:45 – Workshop 2: Creating a Proactive Risk Culture: A Panel & Peer Session 
Moderated by: Michael Cohn, Director, WolfPAC Solutions Group
FDIC: Robert Long, Senior Examination Specialist, Federal Deposit Insurance Corporation, San Francisco Regional Office
FRB: Kirsten Muetzel, Director, Financial Institutions Supervision and Credit Division, San Francisco Office

Community banks are introducing new products and services while they must also adapt to the ever-changing regulatory requirements and demands.  A responsive ERM program will protect the business during growth and turbulent economic periods.  Attendees of this session will learn from 2 progressive risk officers how they built their ERM program, and how to address emerging risks before they become serious threats.  They will gain guidance on effective practices and trends, and then hear from regulators in agency specific roundtables how the examination expectations will align with the ERM programs.

2:15 – Networking Break

2:30 – Cybersecurity and Technology Update
Francis Tam, Partner, Moss Adams LLP
During this session, we will review the current trends and challenges facing institutions as they attempt to manage and secure data to prepare for cyber-attack. As data breach disclosures continue with increasing frequency, we will discuss some key considerations, risk assessments, controls and technologies to help keep you off the front page of the newspaper and mitigate cybersecurity risks.    

3:30 – Adjourn

What To Bring

In order to receive the full benefit from this workshop, participants are highly encouraged to meet the following prerequisites: 

  • Know the contents of your bank’s strategic plan
  • Bring your credit policy and be familiar with its contents
  • Bring your information security policy and be familiar with its contents


  • Chief executive officers
  • Chief risk officers and managers
  • Chief operating officers
  • Chief compliance officers
  • Chief financial officers
  • Senior managers
  • Bank directors
  • Emerging leaders

Scheduled Speakers

Randy Marsicano, CISA, CRISC
Professional Services Manager, WolfPAC Solutions Group
Randy is a Senior Manager of Professional Services in the WolfPAC Solutions Group and oversees all WolfPAC® module implementations. Randy has over twenty five years of experience designing and implementing risk management, vendor management, technology, and operational management programs.  A national speaker and advisor to community financial institutions, he works with our clients to improve the ERM program and drives costs down.  Beginning his career at a community bank, and ultimately directing Information Technology Departments for two banks, Randy developed an understanding of bank technology and operations from the ground up. 

Michael D. Cohn, CPA, CISA, CGEIT
Member of the Firm and Director, WolfPAC Solutions Group​
Mike serves as Director of the WolfPAC Solutions Group at Wolf & Company, P.C.  He is responsible for the strategic direction of the group and provides enterprise risk management (ERM) advisory services and board training to community based financial institutions.  The increased maturity of enterprise risk management in fast changing community based institutions provides an opportunity for tight integration with business strategy and important operational activities including key risk indicator monitoring and cost of risk management measurement.  Mike routinely speaks on the topic and challenges many pre-conceptions on the optimum effectiveness of the chief risk officer role, while presenting practical approaches to improve ERM program effectiveness.

Partner, Moss Adams LLP
Francis Tam has practiced public accounting and consulting since 1994, providing information technology audit and internal control guidance to public and private companies. He focuses on payment card industry security, IT governance, cost-benefit analyses, IT planning, risk management, systems analyses, policy development, project management and quality assurance, and business process reengineering.  In addition, Francis participates in and leads compliance audits, internal controls audits, external operational assessments, and financial audits.



Robert Long
Senior Examination Specialist, Federal Deposit Insurance Corporation, San Francisco Regional Office
Robert Long is currently a Senior Examination Specialist in the FDIC’s Division of Risk Management Supervision, San Francisco Regional Office.  He is the region’s designated risk officer and actively fosters development of appropriate strategies to identify and mitigate emerging risks.  He previously worked in the Office of Complex Financial Institutions focusing on risk monitoring at a systemically important institution, and as a dedicated-examiner-in-charge at a regional bank, both in the San Francisco Region.  Robert has established and led dedicated large and community bank supervisory teams, and began his career examining community banks for both the FDIC and the California State Banking Department.  Robert has fostered strong relationships within the various FDIC Divisions as well as with supervisory agencies both domestically and internationally.  

Robert provides periodic briefings to FDIC senior management and supervisory authorities, and actively seeks to work collaboratively on appropriate supervisory messages to financial institutions.  He is also actively involved in multiple national training initiatives seeking to further build bench strength at the Corporation.  Mr. Long has a Bachelors’ Degree in Finance from California State University, Hayward.

Kirsten Muetzel
Director, Financial Institutions Supervision and Credit Division, Federal Reserve Bank of San Francisco
Kirsten joined the Federal Reserve Bank of New York in 2008 in the midst of the financial crisis. Since joining the Federal Reserve System, Kirsten has served on large bank supervisory teams, as well as other risk and policy functions.

She has nearly 15 years of experience in the financial services industry and earned the CPA designation in 2000 after working at Arthur Andersen in audit.  Prior to joining the Federal Reserve, Kirsten worked on Wall Street as an M&A banker in the Financial Institutions Group of Goldman Sachs. She also spent two years serving as a Peace Corps volunteer in Romania, assigned to CHF International, and collaborating with the World Bank and Government of Romania to establish a lending market for middle-income individuals, small and medium sized enterprises.

Kirsten holds an MBA from Columbia Business School, a Masters of International Affairs from Columbia School of International and Public Affairs, and a Certificate of East Central European Studies from the Columbia Harriman Institute, where she was a recipient of the Moseley-Backer fellowship. At Columbia Business School, Kirsten was awarded both the Benjamin Botwinick Ethics scholarship and the Heffernan Award for Service. Kirsten earned her Bachelor of Science in Business Administration from the University of Arizona, where she was the recipient of the Academic Achievement Award and was recognized as the Most Outstanding Accounting Student.

Registration Fees

125th Anniversary Pricing available through conference start date​

In Person
CBA Member: $195

Video Livestream
CBA Member: $295

Regular Registration

In Person
CBA Member: $595
Non-Member: $795
Affiliate Member: $845

Video Livestream
CBA Member: $695
Non-Member: $895
Affiliate Member: $945

Video Livestream Option
A video livestream for this program is available for an additional $100 fee. As an added benefit, participants will also have complimentary access to a recorded version of this seminar for 30 days following its completion. 

Cancellation Policy
Substitutions are allowed, at no additional cost. Written notice is required for all substitutions/cancellations. If the request is received by January 8, 2016, the full registration fee will be refunded and 50 percent if by January 15. No refunds will be provided after January 15. Registrations made on or after January 15 are not subject to refund.

If you are not fully satisfied with this program, please contact Corbett Cutts, VP, director of education at (916) 438-4428.

Location Information

Thursday, January 28, 2016

Pacific Mercantile Bank Conference & Learning Center
949 South Coast Drive
Costa Mesa, CA 92626

Complimentary Parking available next door at Metro Pointe at South Coast.

Please click here to view the map.

Video Livestream

A video livestream for this program is available for an additional $100 fee. As an added benefit, participants will also have complimentary access to a recorded version of this seminar for 30 days following its completion. 

Sponsor Opportunities

If you are interested or would like more information, please contact:

Rosemary Mignano
Event Sponsor and Exhibitor Development Coordinator
(916) 438-4435

A few reasons your organization should sponsor:

  • Maximize your company’s brand awareness and increase your market position
  • Gain direct access to CBA member banks and institutions in an exclusive environment
  • Raise your profile above your competitors
  • Learn about the issues confronting today’s financial service leaders and gain valuable insight into potential solutions
  • Match your exposure needs, regardless of your budget
  • Shape or reinforce a positive perception of your company with California’s bank executives
  • Support the California Bankers Association, the largest non-profit banking organization serving the California financial services industry