Education Seminar

2018 Annual Conference
Grand Hyatt Kauai Resort & Spa • Kauai, HI

With the CBA and WIB merger now complete, this means some very exciting news for CBA’s annual convention, which will now transition to the annual conference historically offered by the WIB. The annual conference for 2018 will be held on the beautiful island of Kauai, March 17-20, 2018 at the Grand Hyatt Kauai Resort & Spa.

Transforming Disruption into Opportunity

Disruption by definition is a break in an activity or process, but the disturbance of established patterns offers a space for renewed thought and inspired intentions. At WIB’s 61st Annual Conference, bank leaders and industry experts will gather to collectively explore opportunities to transform and thrive in the era of disruption.

Attendees can look forward to a framework of education that balances relevant presentations with beneficial peer exchanges, the opportunity to schedule regulatory one-on-ones and assess a showcase of innovation. From navigating the cybersecurity landscape to developing shareholder value, this flagship event is essential to advancing strategies that drive organizational success.

With a record number of attendees expected this year, WIB encourages early registration and advanced booking for hotel accommodations. Don’t miss out on this opportunity to network with peers and gain the tools necessary to guide change.


Saturday, March 17, 2018

7:00 a.m. – 3:00 p.m. Golf Tournament
7:00 a.m. – 8:00 a.m. – Registration
8:00 a.m. – 3:00 p.m. – Tournament
7:00 a.m. – 1:30 p.m. Optional Event – Ziplining
10:00 a.m. – 4:00 p.m. One-on-one Meetings with FDIC/OCC/FRB
(by appointment only)
1:00 p.m. – 4:00 p.m. Registration Desk
4:30 p.m. – 5:30 p.m. Annual Conference Advisory Committee Thank You Reception
5:30 p.m. – 8:30 p.m. Welcome Party

Sunday, March 18, 2018

7:00 a.m. – 3:30 p.m. Registration Desk
7:45 a.m. – 9:00 a.m. One-on-One Meetings with FDIC/OCC/FRB
(by appointment only)
9:00 a.m. – 10:30 a.m. Welcome & Opening General Session
Crisis Leadership & Decision-Making
Lieutenant Colonel Robert Darling
10:30 a.m. – 10:40 a.m. Refreshment Break
10:40 a.m. – 11:40 a.m. Concurrent Sessions
  Getting Past the Sound and Fury of Cybersecurity
Daimon Geopfert, National Leader, Security & Privacy Consulting | RSM US LLP
  I Knew Trump Would Win (and Other Lies Banks Tell Themselves)
Philip Smith, Gerrish Smith Tuck, PC
  Balance Sheet Strategy: The Big Picture for Banks
Scott Hildenbrand, Principal and Chief Strategist, Sandler O’Neill + Partners, L.P.
11:40 a.m. – 2:30 p.m. Expo Open
11:40 a.m. – 1:00 p.m. Lunch and Time to Visit Partners in Expo
  One-on-one Meetings with FDIC/OCC/FRB
(by appointment only)
1:00 p.m. – 2:00 p.m. Peer Exchange Sessions
(Bankers & Directors only)
2:00 p.m. – 2:30 p.m. Dessert Break in Expo
2:30 p.m. – 3:30 p.m. Beyond Operations: Adapting to Evolving Environments, New Rules for Engagement, and the Importance of Mentorship
Brian Riggs, Owner, Dialogue Shop
4:00 p.m. – 5:30 p.m. Wild & Wacky Games
  Evening Open for Vendor Dinners

Monday, March 19, 2018

7:15 a.m. – 3:30 p.m. Registration Desk
  Expo Open
7:15 a.m. – 8:15 a.m. Breakfast in Expo
  First Timers Breakfast with Board of Directors
(by invitation)
8:15 a.m. – 9:25 a.m. Amazon Prime Effect: What Customers Want, and What Banks Must Do to Survive in the New Subscription Society
David DeFazio, Partner, StrategyCorps
9:25 a.m. – 9:35 a.m. Refreshment Break
9:35 a.m. – 10:35 a.m. Concurrent Sessions
  MoneyBall for Bankers: The Next Level
Rich Berg, Performance Trust Capital Partners
  Tactics for Community Banks to Remain Independent in Today’s Environment
Ernie Panasci, Stinson Leonard Street LLP
  The Fintech Experience: A Bank Perspective
Tom Kenning, Alpine Bank
10:35 a.m. – 10:45 a.m. Transition Break
10:45 a.m. – 12:00 p.m. Transforming Disruption into Opportunity
Roger Amador, Q2
(Moderated Fintech Showcase)
12:00 p.m. – 1:20 p.m. Lunch in Expo
1:20 p.m. – 2:20 p.m. Peer Exchange Sessions
(Bankers & Directors only) with dessert served
2:20 p.m. – 2:30 p.m. Transition Break
2:30 p.m. – 3:30 p.m. Concurrent Sessions
  M&A Panel
Moderator: Shawn Ryan, S&P Global Market Intelligence
Accounting: Michael Massey, Moss Adams
Attorney: Ernie Panasci, Stinson Leonard Street LLP
Investment Banker: Jeff Wishner, KBW​
  Incident Response: Exploring Industry Response to Natural Disaster
Ed Schreiber, Zions Bank
  The Secrets of a High-Performing Bank
Shawn O’Brien, President, QwickRate
3:30 p.m. Pool & Leisure Time
  Evening Open for Vendor Dinners

Tuesday, March 20, 2018

7:30 a.m. – 3:30 p.m. Registration Desk / Solution Store Open
7:30 a.m. – 2:15 p.m. Expo Open
7:30 a.m. – 8:30 a.m. Breakfast in Expo
8:30 a.m. – 9:30 a.m. Economic Update
Dr. Peter Rupert
  Registered Guests Networking Breakfast
9:30 a.m. – 10:00 a.m. Washington Perspective
Rob Nichols, President & CEO, American Bankers Association
10:00 a.m. – 10:20 a.m. Refreshment Break
10:20 a.m. – 10:50 a.m. Western Bankers Association Annual Meeting
10:50 a.m. – 11:00 a.m. Transition Break
11:00 a.m. – 12:00 p.m. Concurrent Sessions
  Strategies to Address Cybersecurity Risk while Meeting Growing Regulatory Examination Expectations
Laurel Sykes, SVP, Chief Risk Officer, Montecito Bank & Trust
  Compensation Challenges and Trends in an M&A Environment
Michael Blanchard, CEO, Blanchard Consulting Group
  The Profitable Side of Advanced Liquidity Risk Management Systems (LRMS)
Robert Perry, Principal, ALM & Investment Strategies, ALM First Financial Advisors
12:00 p.m. – 1:00 p.m. Lunch & Exhibitor Prize Drawings in Expo
1:00 p.m. – 2:00 p.m. Peer Exchange Sessions
(Bankers & Directors only)
2:00 p.m. – 2:15 p.m. Dessert Break in Expo – Last Chance & Prize Pick-Up
2:15 p.m. – 3:30 p.m. Annual Update and Closing General Session
What Matters Most
Hal Elrod, Author
3:30 p.m. – 5:00 p.m. Pool and Leisure Time
5:00 p.m. – 8:00 p.m. Farewell Reception & Dinner with Banker and Bank of the Year Awards

Wednesday, March 21, 2018

1:15 p.m. – 7:00 p.m. Optional Event – Na Pali 4-Hour Sunset Dinner Cruise (Catamaran)

Scheduled Speakers

Lieutenant Colonel Robert Darling

Crisis Leadership & Decision-Making

With over 20 years of active duty service in the U.S. Marine Corps, Lieutenant Colonel Darling’s impressive career includes standing shoulder-to-shoulder with the White House on Sept. 11, 2001. His military experience combined with an MBA in Finance Management makes him uniquely qualified to speak on crisis leadership and decision-making. Darling’s speaking engagements have included Harvard’s John F. Kennedy School of Government and the FBI National Academy in Quantico, VA. He is the author of 24 Hours Inside the President’s Bunker: 9/11/01: The White House. Darling is the President & CEO of Quantitative Analytics, LLC, and Turning Point Crisis Management-USA.

Brian Riggs

Beyond Operations: Adapting to Evolving Environments, New Rules for Engagement, and the Importance of Mentorship

Brian Riggs began his career as a resident historian at the National Constitution Center where he perfected the art of crafting story out of context. Today, he is the owner and lead strategist of the Dialogue Shop, an organizational transformation firm located outside of Philadelphia, PA. From Hong Kong to Rome, Brian has worked with organizations on custom-designed leadership programs, mentor workshops, branding and communication efforts, and new market strategies.

David DeFazio

The Amazon Prime Effect: What Customers Want, and What Banks Must Do to Survive in the New Subscription Society

Dave DeFazio is a partner at StrategyCorp, a firm specializing in strategic advisory services to private and public sector organizations operating in complex, highly regulated environments. He speaks at conferences nationwide about innovations in retail banking, mobile banking, customer engagement, product and customer profitability, product design and bank marketing. He has extensive financial services experience and continues to have a passion for exploring the intersection of data, marketing, and technology.

Dr. Peter Rupert

Economic Update

Dr. Peter Rupert is the Professor of Economics at the University of California, Santa Barbara, and Executive Director of the UCSB Economic Forecast Project, a research unit providing economic data, analysis, and forecasts to the community. Dr. Rupert came to Santa Barbara from the Federal Reserve Bank of Cleveland, where he had been a senior economic adviser for 13 years. His areas of specialization include macroeconomics, monetary economics, labor, and family economics. Dr. Rupert frequently consults with central banks and is an invited speaker at economic conferences at universities and organizations around the world.

Rob Nichols

Washington Perspective

Rob Nichols is the president and CEO of the American Bankers Association, which represents banks of all sizes and charters and is the voice for the nation’s $17 trillion banking industry.

Rob joined ABA in August 2015, following ten years at the helm of the Financial Services Forum, a non-partisan financial and economic policy organization. Before joining the Forum, Nichols was assistant secretary of the Treasury for Public Affairs, a position requiring confirmation by the United States Senate.

Rob is a graduate of the George Washington University. He is vice chair of the Board of Directors of Food Allergy Research & Education (FARE) which works on behalf of the 15 million Americans with food allergies, including all those at risk for life-threatening anaphylaxis.

Hal Elrod

What Matters Most

Hal Elrod is on a mission to elevate the consciousness of humanity, one morning at a time. As the author of one of the highest rated books in the world, The Miracle Morning, he is doing exactly that. After surviving an accident that stopped his heart for six minutes, he ran a 52-mile ultra-marathon and went on to become a hall of fame business achiever, international keynote speaker, and author. Elrod is the host of the Achieve Your Goals podcast, creator of the Best Year Ever [Blueprint] LIVE event, and Executive Producer of The Miracle Morning, a documentary that explores the morning rituals of some of the world’s most successful people.

Conference Highlights

FinTech Showcase – New for 2018!

Monday, March 19 • 10:45 a.m. – 12:00 p.m.

Uncover the latest services and solutions at WIB’s FinTech Showcase. This fast-paced collection of presentations from established companies
and young startups provides attendees with a creative look into today’s
innovative landscape. Audience members will have the opportunity to
cast their votes for Best in Show, and the showcase will be moderated
by the 2017 WIB Education Summit Best in Show Winner, Q2.

One-on-one Meetings with the Regulators

Saturday, March 17 • 10:00 a.m. – 4:00 p.m.
Sunday, March 18 • 7:45 a.m. – 9:00 a.m.; 11:30 a.m. – 1:00 p.m.; 2:00 p.m. – 2:30 p.m.

Kay Kowitt • Deputy Comptroller, Western District Office of the
Comptroller of the Currency

Kathy Moe • Regional Director, San Francisco Region of the FDIC

Tracy Basinger • Executive Vice President and Director of Financial Institution Supervision and Credit Division (FISC), Federal Reserve Bank of San Francisco

We are once again pleased to be able to offer a limited number of 15 minute private appointments available for you and your bank representatives with Kay Kowitt, Kathy Moe, or Tracy Basinger. Appointments are available on Saturday and Sunday and are assigned on a first come, first serve basis. Be sure to register early!

Peer Exchange Sessions

Sunday, March 18 • 1:00 p.m. – 2:00 p.m.
Monday, March 19 • 1:20 p.m. – 2:20 p.m.
Tuesday, March 20 • 1:00 p.m. – 2:00 p.m.

Peer Exchange Sessions are a unique opportunity to network and share ideas. Discuss relevant, key community banking issues in a safe and non-competitive peer environment. The peer session format is always highly rated and regarded as one of the highlights of the Annual Conference. These sessions are limited to bankers and directors only.


From Sunday through Tuesday, there will be many opportunities to meet with representatives from the ‘best of the best’ service providers for financial institutions in the West!

Welcome Party

Saturday, March 17 • 5:30 p.m. – 8:30 p.m.
Included in Conference and Guest Registration

Connect with friends and colleagues prior to the start of the Annual Conference during the WIB Hawaiian Welcome Party. Enjoy dinner, drinks, networking, and entertainment at the Ilima Garden, Grand Hyatt Kauai Resort & Spa. Located oceanfront at the edge of Keoniloa Bay, this party boasts stunning views and is a perfect way to kickoff a week full of educational offerings and more.

Wild & Wacky Games – Fun Networking Activity

Sunday, March 18 • 4:00 p.m. – 5:30 p.m.

Join us for drinks and hors d’oeuvres as you cheer on or participate in WIB’s version of the Iron Man Games! Six tribes comprised of 8-10 players per tribe will participate in various skillful island games such as Coconut Bowling, Hula Hoop-la, Sponge Soak Pass and the ever-popular Conch Shell Blowing Contest. This energizing contest will be sure to keep you laughing as you decide which tribe to cheer on. If you would like to join one of the tribes, stop by the WIB Registration Desk to sign up.

Farewell Party & Dinner

Tuesday, March 20 • 5:00 p.m. – 8:00 p.m.
Included in Conference and Guest Registration

Hele mei hoohiwahiwa, come celebrate! Come together for a final night to
continue discussions held throughout the week, and discover the winners of the 2018 Bank and Banker of the Year. Drink in the treasures of Hawaii one last time with a richness of food, music, and festivities.

Hotel Information

Grand Hyatt Kauai
1571 Poipu Road
Koloa, Kauai, HI 96756

Make your hotel room reservations today by clicking here. Rooms are limited, please make your reservations as soon as possible. The hotel room block cut-off date is February 10, 2018.

Discover paradise at the Grand Hyatt Kauai. Ranked one of the world’s top ten resorts by Condé Nast Traveler, this luxury hotel is situated on Poipu Beach and is modeled in the spirit of 1920s Hawaiian architecture. With breathtaking landscapes and premium amenities, conference attendees are guaranteed a tropical experience that is unrivaled.

Room Rates:
$329 – Garden/Pool View
$380 – Partial Ocean View
$425 – Deluxe Ocean View

All rates are based on Single/Double occupancy and includes the resort fee. Add room tax, which is currently at 13.416%. For additional persons 19 years and older, a $75 charge per night is applied. Maximum four adults or two adults and two children per room.

Rate Valid:
March 10 – 27, 2018

All cancellations received 45-days to 7-days prior to arrival date will be charged two nights. Cancellations received later than 7-days prior will be charged for the full length of stay.

Cut-off Date:
February 11, 2018

For more information on hotel accommodations, visit


Bank presidents, CEOs, senior managers, bank directors, and many more.

Guest Program

Guest Program includes:

  • Opening General Session
  • Welcome Party
  • Special Guest Activity (details below)
  • Wild & Wacky Games – Fun Activity
  • Farewell Reception & Dinner
  • Guest Only Networking Breakfast – surprise amenity!
  • Closing Session

Guest Activity

Monday, March 19, 2018 • 10:00 a.m. – 3:00 p.m.

Kilohana Plantation

Take a journey back in time to Kilohana Plantation. Built in 1935, the Manor House at Kilohana was the most expensive and most beautiful home on Kauai. Explore exquisitely crafted rooms, lush landscape, and experience a taste of the Golden Age of Sugar.

Train Signature Tour

Climb aboard for a 40-minute tour of Kilohana Plantation’s 105 acres.
Narrated by lively conductors, this promises to be an event to remember.
Be entertained and educated as you experience a bounty of tropical
beauty, including fruit tree orchards, colorful gardens, dense forests,
exotic flowers, and livestock pastures. The train will even stop so riders
can disembark to feed their wild pigs, goats, and sheep.

Guest Luncheon

After your train tour, network with other guests while enjoying a delicious
buffet lunch at the plantation’s award-winning restaurant, Gaylord’s.
Here, guests can participate in our ever-popular Guest Bingo and State
Raffle and listen to the Kauai Museum’s infamous Chucky Boy Chock
as he entertains with stories of Kauai. There will also be time to explore
the plantation’s shops and boutiques which offer handcrafted items,
artwork, jewelry, and other unique gifts from Hawaii.

Optional Activities

Golf Tournament

Saturday, March 17 • 7:00 a.m. – 3:00 p.m.

The WIB Annual Golf Tournament will be held at the Poipu Bay Golf Course, an 18-hole championship course and home of the PGA Grand Slam since 1994.

Nestled between the Haupu Mountain and the azure Pacific, Poipu Bay Golf Course sits on 210 oceanfront-acres adjacent to the Grand Hyatt Kauai Resort & Spa. A Robert Trent Jones Jr. design, this Kauai golf course is an ocean links-style course featuring spectacular vistas including seven holes with water hazards. The course is a 5-minute walk from the hotel and is sure to challenge your game.

You may choose between two tournament formats: Scramble or Play Your-Own-Ball. Maximum handicap for Play-Your-Own-Ball is 18. Sign up early to get your choice of format.

$250.00 per person includes greens fee, cart, continental breakfast, beverages, and prizes.

Zipline Trek – Tree House Plus Excursion

Saturday, March 17 • 7:00 a.m. – 1:30 p.m.

Join us on seven exhilarating ziplines beginning at the original Treehouse Zipline Course, plus so much more! Each line on this tour is different — single lines, tandem lines, “zippel” over a waterfall, ride over rivers and across Kipu Ranch. And once you’re all done warming up, it’s time to fly high above Kauai on Hawaii’s longest zipline, the ¾ mile FlyLine!

Adults: $160.00
Children (ages 7–14): $150.00

Flyers must be at least 4 feet tall and weigh between 60 lbs and 275 lbs. If you are pregnant, you should not take part. If you have back, neck, or muscular problems, you should carefully consider whether to participate. Reserve early – this tour is limited to 30 participants.

Na Pali 4-Hour Sunset Dinner Cruise

Wednesday, March 21 • 1:15 p.m. – 7:00 p.m.

A 4-hour sailing adventure for people who love great food and sunsets. On a 65’ Gold Coast Catamaran, we’ll sail along Na Pali as the afternoon sun paints rich colors across the sky. Equally rich are the history and legends of the ancient Hawaiians that once inhabited these remote valleys. You’re likely to see flying fish, sea turtles, dolphins, and whales in season. Then, top it all off with a dinner and breathtaking sunset at sea.

$190.00 per person includes round-trip transportation, snacks, salads, main course, dessert, cocktails and beverages. We are limited to 49 passengers so reserve your place early as this event will sell out.

More than an indulgence of local cuisine and dazzling horizons, the Sunset Dinner Cruise is a fitting conclusion to a conference focused on opportunities. We invite you to continue your connections with old and new friends, or simply take a moment – an opportunity – to appreciate the experience.

Registration Information

Early-Bird Registration (before February 1, 2018)

WIB Bank Member $1,495
WIB Associate Member $2,395
Bank Nonmember $2,495
WIB Season Pass Holder $1,495 (Comp)

Regular Registration (after February 1, 2018)

WIB Bank Member $1,695
WIB Associate Member $2,495
Bank Nonmember $2,495
WIB Season Pass Holder $1,495 (Comp)

Guest Program Registration

Guest Program Member Registration $700
Guest Program Member Season Pass Holder $700 (Comp)
Guest Program Nonmember Registration $800

Optional Event Tickets for Registrants and Guests

Tickets purchased on-site are subject to an additional $25 fee.

Saturday Golf Tournament $250
Zipline Trek – Adult $160
Zipline Trek – Child (7–14) $150
Na Pali Sunset Dinner Cruise $190

A La Carte Guest Tickets

For guests not registered above; tickets purchased on-site are subject to an additional $25 fee.

Saturday Welcome Party $175
Tuesday Farewell Dinner $175


Join WIB today and save up to $600 on your conference registration fees!
Contact Ellie Rovira at or (415) 352-3231 for more information.

Ways to Register

• Online using a credit card at
• Scan and email your completed registration form to
• Fax your completed registration form to (415) 352-3231.
• Mail your completed registration form with a check or credit card information to:
Western Independent Bankers
555 Montgomery Street, Suite 750
San Francisco, CA 94111


You will receive a conference confirmation from WIB via email. If you don’t receive a confirmation within three business days, please contact WIB at (415) 352-2323 or email Grand Hyatt Kauai will confirm all hotel accommodations. Please contact the hotel directly for all your room reservation needs.

Cancellation Policy

Registration fees less a $75 processing fee per registrant will be refunded if cancellation is received by March 3, 2018. No refund if cancellations are received after March 3, 2018. Substitutions welcomed.

Travel Information


The rate in the hotel’s Mercedes shuttles between Lihue Airport and the Grand Hyatt Kauai is $22.33 one way, $44.33 round trip (10% discount on return leg when booked together) and includes airport greeter service. Registrants with prearranged arrival reservations will be greeted in the baggage claim area then directed to their waiting shuttles. Vehicle amenities include complimentary WiFi, 6’1” clearance, three point seat restraints, roomy comfortable seating and more.

SpeediShuttle’s Mercedes shuttles are equipped with GPS technology which allows staff to manage the service on a timely basis and has kept it in the highest ranking for safety in the industry. Book the shuttle here.

We are also happy to offer a discount on three different car rental options for the conference. Please choose from one of the three below:


Our Avis Worldwide Discount or AWD number is D340745.

When calling Avis at 1 (800) 331-1600 to make reservations, you will need to provide the reservations agents with this AWD number to ensure you receive the best available car rental rates.

Or click on the link here to make your reservation online. The AWD number will automatically be placed in the reservation detail.

This AWD will be effective from seven days prior to the event until seven days after the event.


Your Budget Customer Discount or BCD number is U002337.

When calling Budget at 1 (800) 842-5628 to make reservations, you will need to provide the reservations agents with this BCD number to ensure you receive the best available car rental rates.

Or click on the link here to make your reservations online. The BCD number will automatically be placed in the reservation detail.

The BCD will be effective from seven days prior to the event until seven days after the event.


Your Hertz discount code is CV#04DT0011

When calling Hertz at 1 (800) 704-4473 to make reservations, you will need to provide the reservations agents with this code to ensure you receive the best available car rental rates.

Or click on the link here to make your reservations online. The code will automatically be placed in the reservation detail.

Sponsorship Information

If you are interested in sponsoring this event, contact the events staff: Rosemary Mignano at or (916) 438-4435.

Why sponsor:

  • Maximize your company’s brand awareness and increase your market position
  • Gain direct access to 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 bank executives
  • Support the Western Bankers Association, the largest non-profit banking organization serving the West Coast financial services industry