Past Event

36th Annual Regulatory Compliance Conference
October 7-10, 2014 in Carlsbad

Keeping up with the latest regulatory changes and compliance issues can be more than a full-time job. If you’re like most financial services professionals, you have little free time to devote to this top business challenge. You won’t want to miss one of the finest compliance programs in the West where nearly 200 BSA/AML officers, compliance officers and attorneys representing our members are all in search of the best education, products and services available to their institution.

The final agenda, session descriptions and speaker biographies are now posted.

Who Should Attend

  • Auditors
  • BSA officers
  • Compliance officers
  • Operations officers
  • Risk/Fraud officers
  • Regulators
  • Counsel

NEW This Year

Mobile App
CBA’s new mobile app is a great way to keep up with the latest CBA news. The CBA app is available for Apple and Android devices in the iTunes store and on Google Play. Conference details, including a customizable schedule will be available soon. You will need the email address you registered with to login and access the event.

Registration

Early-Bird Registration Fees EXTENDED to September 5, 2014

CBA Member Bank* $845
CBA Affiliate Member* $1,045
Non-Member Bank* $1,145
Non-Member Vendor* $1,345
Spouse $495

Regular Registration Fees after September 5, 2014

CBA Member Bank* $1,045
CBA Affiliate Member* $1,245
Non-Member Bank* $1,345
Non-Member Vendor* $1,545
Spouse $495

Group Discount: Three or more attendees from the same organization are eligible to receive $100 off each registration. To receive the discount, download the pdf form and submit via fax or email. The discount is not available through the online registration system.

Cancellation Policy
Substitutions are allowed, at no additional cost. Written notice is required for all substitutions/cancellations. The full registration fee will be refunded if written notice is received by September 5, 2014, and 50 percent if by September 19. No refunds will be provided after September 19.  Registrations made on or after September 19 are not subject to refund.

Location

Sheraton Carlsbad Resort
5480 Grand Pacific Drive
Carlsbad, CA 92008
(760) 827-2400

Accommodations

The Sheraton Carlsbad is SOLD OUT. We have an overflow room block with complimentary shuttle service to/from the conference at:

The Grand Pacific Palisades Resort
5805 Armada Dr 
Carlsbad, CA 92008

The Grand Pacific Palisades is accepting reservations at the CBA group rate of $179/night, including the waived resort fee. To secure a room, please call the reservations department at (800)725-4723. If you require additional assistance from CBA, please contact Melissa O’Campo at (916) 438-4435.

Hotel accommodations can be made by calling the Sheraton Carlsbad reservations department at (800) 444-3515. The CBA rate is $179, single or double occupancy, plus taxes and fees.* There is a $20 fee for each additional person, up to a four person maximum, per room. Rooms are limited, please make your reservations by Friday, August 29, 2014. If the CBA room block reaches capacity before this date, the hotel may accept reservations on a space-available basis at the prevailing rates.

*The waived resort fee for this event includes guest room internet access, in-room Starbucks coffee, local paper, local calls, fitness center, and local transportation. All CBA guests also receive a 15 percent discount at the Ocean Pearl Spa.

Check-in time is 4:00 p.m., and check-out time is 11:00 a.m. 

The resort will provide complimentary shuttle service to nearby “Restaurant Row,” Tuesday, Wednesday and Thursday, between 6:00 p.m. and 10:00 p.m.

Early Departure Fee
In the event that a guest has reserved a guest room within the CBA room block and checks out prior to the guest’s reserved checkout date, an early departure fee of $50 will be charged to that guest’s individual account. Guests wishing to avoid this fee, must advise the hotel at or before check-in of any changes to the scheduled length of stay.

Hotel Reservation Cancellations
Cancellations must be made at least 72 hours prior to your arrival date or your credit card may be charged for one night’s room, plus taxes and fees.

Parking

 Self-parking is complimentary at the resort for this event; valet parking is $16 per day.

San Diego International Airport

The airport has multiple flights during the week to the San Diego area, via the major airline carriers. Please visit their respective websites for convenient flight information and reservations.

Ground Transportation

CBA encourages you to coordinate travel with colleagues, please consider the following options:

CBA uses Budget car rental and you may too. Contact Budget at (800) 527-7000 and refer to ID#U051957. For your convenience, the resort has a Hertz rental car desk in the lobby.

Super Shuttle has discounted rates for travel from the San Diego airport to the Sheraton Carlsbad Resort. Shared ride van service is $33 per person. Exclusive non-stop van service is $93 for the first passenger, with no charge for additional passengers, seven passenger maximum. Visit supershuttle.com or call 800-BLUEVAN (800-258-3826) for more information.

Please note: The Sheraton Carlsbad does not offer shuttle service to and from the airport. We apologize for the misinformation. 

Agenda*

*subject to change

Tuesday, October 7, 2014

9:00 a.m. – 1:00 p.m. CRCM Exam (proposed)
12:00 p.m. – 6:00 p.m. Registration Open
1:00 p.m. – 2:30 p.m. Pre-Conference Workshops 
  Compliance Management: Part I
Key Concepts, Trends and
Best Practices for Managing CMS
  Compliance Monitoring: Part I
Examiners Want You to Do Compliance
Monitoring Too? Where is the Time?
2:30 p.m. – 3:00 p.m. Refreshment Break
3:00 p.m. – 4:30 p.m. Pre-Conference Workshops 
  Compliance Management: Part II
CMS Round Table
  Compliance Monitoring: Part II
An In-Depth Look at Compliance
Monitoring
4:30 p.m. – 5:00 p.m. Break
5:00 p.m. – 6:00 p.m. Opening Keynote Speaker
  Linda Gallagher
Managing Director and Global Head
of the Consumer Protection Practice
Promontory Financial Group
6:00 p.m. – 7:00 p.m. Welcome Reception in Marketplace

 

Wednesday, October 8, 2014

7:30 a.m. – 5:30 p.m. Registration Open
7:30 a.m. – 8:45 a.m. Breakfast in Marketplace
8:45 a.m. – 9:00 a.m. Welcome and Conference
Overview
9:00 a.m. – 10:00 a.m. The U.S. and California 
Economic Outlook
 

Dr. Esmael Adibi
Director, A. Gary Anderson
Center for Economic Research
Chapman University

10:00 a.m. – 10:30 a.m. Refreshment Break in Marketplace
10:30 a.m. – 12:00 p.m. Concurrent Sessions – Series I
  Social Media Compliance
Best Practices
  Pitfalls and Strategies in
Cloud Computing, Outsourcing
and Other Contract Reviews
  Flood Insurance Reform:
Wading through the Water(s)
  Strategies to Deal with
Financial Elder Abuse
  Legal Order Processing
12:00 p.m. – 1:15 p.m. Networking Lunch
1:15 p.m. – 2:45 p.m. California Legislative and
Law Update
  Kevin Gould
SVP, Director of State
Government Relations
California Bankers Association
  Neil Rubenstein
Shareholder
Buchalter Nemer
2:45 p.m. – 3:15 p.m. Refreshment Break
in Marketplace
3:15 p.m. – 4:45 p.m. Concurrent Sessions – Series II
  Repeat Series I
4:45 p.m. – 6:00 p.m. Meet the Committee Mixer
in Marketplace

 

Thursday, October 9, 2014

7:30 a.m. – 4:30 p.m. Registration Open
7:30 a.m. – 8:30 a.m. Breakfast in Marketplace
8:30 a.m. – 10:00 a.m. Concurrent Sessions – Series III
  Blueprint for Constructing Your
UDAAP Compliance Program
  Banking High Risk Customers –
Establishing Effective Customer
Due Diligence
  Dynamic Customer
Complaint Monitoring
  Mobile Banking
  Commercial Lending Compliance
10:00 a.m. – 10:15 a.m. Refreshment Break in Marketplace
10:15 a.m. – 11:45 a.m. Concurrent Sessions – Series IV
  Repeat Series III
11:45 a.m. – 1:00 p.m. Luncheon
Compliance Professional
Award Presentation
1:00 p.m. – 2:30 p.m. Concurrent Sessions – Series V
  Mergers & Acquisitions
  Banking Fraud: Infiltration, Detection,
Investigation, and Prevention
  New Integrated Mortgage Disclosures –
The Loan Estimate
  Up in Smoke: Banking
Marijuana-Related Businesses
  Surviving the Exam Process
from A-Z
2:30 p.m. – 3:00 p.m. Refreshment Break in Marketplace
3:00 p.m. – 4:30 p.m. Concurrent Session – Series VI
  Repeat Series V
4:30 p.m. – 6:00 p.m. Exhibitor Recognition Reception
and Prize Drawings in Marketplace

 

Friday, October 10, 2013

7:30 a.m. – 12:00 p.m. Registration Open
7:30 a.m. – 8:30 a.m. Breakfast
8:30 a.m. – 10:00 a.m. Concurrent Sessions – Series VII
  Emerging Payment Systems Risks
  Trust You Wanted to Know: Issues
for Banks as Trustees and Trusts as
Bank Clients
  New Integrated Mortgage Disclosures –
The Closing Disclosure
  Enterprise Risk Management for
Community Banks: Made Simple!
10:00 a.m. – 10:30 a.m. Refreshment Break
10:15 a.m. – 11:45 a.m. Concurrent Sessions – Series VIII
  Repeat Series VII
12:00 p.m. Conference Adjourns

Sessions & Speakers

Pre-Conference Workshops

Compliance Management
Join us for a fresh look at why a Compliance Management System (CMS) is necessary, factors driving the need for more effective CMS management strategies and general expectations of banking regulators regarding your CMS.

Part I: Key Concepts, Trends and Best Practices for Managing CMS
This session will explore the origins and key components of good CMS management programs, including approaches to risk management, monitoring and auditing CMS. Key issues in implementing and maintaining the CMS will be discussed, including approaches for effective risk assessment and management.

Part II: CMS Roundtable
This session will focus on discussion of current CMS management issues and current trends in enforcement actions. Participants are encouraged to bring current issues and join in roundtable discussion with peers and session facilitators.

Dan Huston
Partner
Moss Adams

Dan Houston has worked in the banking industry since 1979 and has extensive knowledge of bank operations, lending and related compliance. His focus is compliance with federal regulations, product development and processing efficiency. Houston directs the firm’s internal audit and regulatory compliance services for financial institutions. His areas of expertise include credit underwriting and lending compliance, anti-money laundering program administration, item processing, funds delivery, fiduciary services, loan origination and servicing, and trust and fiduciary operations.

Bonita Jones
President
Bonita Jones & Associates LLC 

Bonita Jones specializes in banking risk management and regulatory affairs. As a prior bank regulator, she brings expertise in compliance, CRA and financial banking risks. She is the recipient of the American Bankers Association’s Distinguished Service award and the Federal Reserve System’s William Taylor award for Sustained Excellence in Bank Supervision. Jones is a frequent speaker for the American Bankers Association (ABA), state associations and private organizations. She authors the ABA Bank Compliance magazine’s “Regulatory Insider” column, publishes numerous articles and serves on ABA advisory boards.

 

Compliance Monitoring

Part I: Examiners Want You To Do Compliance Monitoring Too? Where Is The Time?
This is a question many compliance officers often ask themselves, especially if you are new to the position. If your bank hasn’t established a lending and operational compliance monitoring system, or you are questioning how effective your monitoring currently is, then this is the session for you. Find out what compliance monitoring is all about, the different approaches you can use, as well as how monitoring differs from compliance audits. You will discover how compliance monitoring is essential to an effective compliance program and why examiners love seeing your results and timely corrective action as a result.

Part II: An In-Depth Look at Compliance Monitoring
This session will focus on specific examples of lending and operations compliance monitoring. Sample checklists, schedules and monitoring reports reflecting the findings will be provided to aid compliance officers who have not established effective compliance monitoring systems or those who want to improve their current ones. A case study for both lending and operations compliance areas will be explored to generate discussion and provide a potential plan of action. The essential follow up on deficiencies noted from monitoring will be discussed and how it builds a cornerstone for your bank’s compliance program.

Jeffrey Blake
Chief Auditor
Citizens Business Bank

Jeff Blake is the chief auditor for Citizens Business Bank. He has experience working in a variety of areas in the financial services industry. Prior to joining Citizens, Blake held positions related to finance, lending compliance, operational compliance, auditing and risk management. Blake is a Certified Public Accountant (California). He is also the incoming president of the bank auditors roundtable.

Karen Geno
Principal
Geno Management Advisory Services

Karen Geno is the principal/owner of Geno Management Advisory Services and has consulted and performed audits in lending and operational compliance areas, including BSA, since 1987. She also handles litigation support work, including expert witness testimony for bank related matters. Prior to 1987, Geno served as chief auditor for a multi-bank holding company in San Diego and was an FDIC bank examiner from 1975 to 1984. She received her CAMS certification in 2012.

 

General Sessions

Opening Keynote Speaker
Compliance officers stand in the middle of sweeping change across the financial services industry, and are being asked to do more than ever before. Staying on top of regulatory changes is a full-time job, so too are developing strong partnerships with business and other partners and providing meaningful leadership to the compliance function. In the absence of a superhero’s cape, what strategies can help compliance officers succeed? How can you project values critical to an effective compliance culture and create buy-in? How can compliance officers be catalysts for the creation of sustainable business models? What can be done to combat regulatory change fatigue?

Linda Gallagher
Managing Director and Global Head of the Consumer Protection Practice
Promontory Financial Group

Linda Gallagher leads Promontory’s global consumer protection practice. She has three decades of consulting experience and expertise in all aspects of consumer-oriented regulation, compliance and risk management. Gallagher advises bank and nonbank financial services firms on the strategic dimensions of consumer regulatory compliance. Her focus is helping firms create sustainable and compliant business models and cultures of strong risk management and operational excellence. She is a trusted adviser to banks’ management teams, boards and business-unit leaders on the design and implementation of compliance programs that meet evolving regulatory expectations. Gallagher has extensive experience directing regulatory risk and readiness assessments, with an emphasis on consumer protection risks through the life cycle of financial products and services. She has led internal regulatory investigations, consent-order look-back reviews and remediation efforts for firms ranging from community banks to global financial services companies. Before joining Promontory, Gallagher worked for 25 years at KPMG, where she managed the firm’s financial services regulatory practice and oversaw compliance and consumer protection services. Early in her career, she was a professional accounting fellow at the Federal Home Loan Bank board in Washington, D.C. She has been honored by Consulting Magazine as a top-25 consultant and is a nationally recognized speaker on all aspects of consumer financial protection.

 

The U.S. and California Economic Outlook
A rapid rise in home prices and tight inventory fueled construction spending. That, along with a pickup in consumer spending, became a key driver of this recovery. But home price appreciation is slowing down, the Federal Reserve is ending its easy monetary policy and Europe is still struggling. Dr. Esmael Adibi will discuss the U.S. and California economic outlook for 2014-15 and will provide answers to the following questions:

  • What can power the economy forward?
  • Will the pace of job creation accelerate?
  • What’s the outlook for the interest rates? Will higher mortgage rates dampen economic recovery?
  • What is the outlook for the commercial real estate market?
  • What are the new knowns and unknowns?

Dr. Esmael Adibi
Director, A. Gary Anderson Center for Economic Research
Chapman University

Dr. Esmael Adibi, director of the A. Gary Anderson Center for Economic Research and Anderson chair of economic analysis at Chapman University, received his doctorate in economics from Claremont Graduate University. His research interests include macroeconomics, financial markets and regional economics.  Dr. Adibi has co-authored two textbooks, Econometric Analysis – An Applications Approach, and The Practice of Econometrics with EViews. His articles have been published in newspapers including The Los Angeles Times and Orange County Register, as well as professional journals such as International Advances in Economic Research, the Journal of Private Enterprise and the Quarterly Journal of Business and Economics. Dr. Adibi is past president of the Association for University Business and Economic Research. He is a member of the National Association of Business Economists’ outlook survey panel and Western blue chip economic forecast panel. He is a member of California controller’s council of economic advisors.

 

California Legislative and Law Update
This panel will cover up-to-the-minute California legislation enacted in 2014 that bankers need to know, plus other California law issues that frequently arise affecting banks.

Kevin Gould
SVP, Director of State Government Relations
California Bankers Association

Kevin Gould joined the California Bankers Association (CBA) in 2004, bringing with him more than seven years of legislative experience. In his role as SVP and director of state government relations, he oversees the management and operation of CBA’s state government relations department and also serves as one of CBA’s three registered lobbyists. Gould oversees CBA’s State Government Relations Committee and internal policy committees, which provide expertise and directives that guide the priorities of the association’s state government advocacy program. Gould is a member of the 2009 graduating class of the Pacific Coast Banking School.

Neil Rubenstein
Shareholder
Buchalter Nemer

Neil Rubenstein is a shareholder in the law firm of Buchalter Nemer. He represents banks and other financial institutions in a wide variety of financing transactions, and has substantial bankruptcy, litigation and appellate experience in creditors’ rights, bank operations and lender liability matters. Rubenstein is a member of the California Bankers Association Legal Affairs Committee and has written and lectured extensively on issues of interest to the financial services industry. He has also testified on multiple occasions before California legislative committees on bills affecting banks and other lenders.

 

Concurrent Sessions – Wednesday, October 8, 2014

(in order of appearance)

Social Media Compliance Best Practices
During this session, the speaker will discuss the regulatory approach to social media and communications including mobile devices such as smart phones and tablets. The session focus will be regulatory guidance related to social media, supervision approaches and disclosure considerations.

Melissa Callison
VP, Compliance
Charles Schwab & Co., Inc.

Melissa Callison is VP of communications compliance for Charles Schwab & Co., Inc. She manages a team responsible for supporting Schwab’s broad range of communications programs, including oversight of compliance policies and procedures for review/supervision of materials such as advertising, digital marketing, social media, investor, institutional and retirement services, and corporate public relations groups. Prior to Schwab, Callison was assistant vice president, investments at Smith Barney, managing a compliance control program for private client and stock execution services. She started her career at Schwab and held various positions within the company’s branch network and capital markets division until 1997. In 2002, she returned to Schwab.

 

Pitfalls and Strategies in Cloud Computing, Outsourcing and Other Contract Reviews
This session will address errors banks make negotiating vendor contracts, including cloud computing and other IT agreements, as well as recent regulatory developments. Topics covered include data security, intellectual property rights (or the lack thereof) and warranties, along with the almost always misunderstood contracting landmine: indemnity. The panel will also discuss strategies for reviewing vendor contracts.

Jim Curtis
VP, Sr. Counsel
Bank of the West

Jim Curtis is VP and senior counsel at Bank of the West. He advises clients regarding retail banking operations and contracts. This will be Curtis’ 14th presentation for the Regulatory Compliance Conference.  He serves as a member of the Regulatory Compliance Committee and has served on several CBA task forces. He has been a speaker at the CBA Bank Counsel Seminar 10 times.  In 2006, CBA presented him with the Compliance Professional award.

David Tollen
Founder
Sycamore Legal, PC

David Tollen is the founder of Sycamore Legal, P.C., a San Francisco boutique law firm representing banks and other buyers of technology and intellectual property, as well as IT companies of all sizes. He’s the author of the American Bar Association’s bestselling manual on technology contracts, The Tech Contracts Handbook: Software Licenses and Technology Services Agreements for Lawyers and Businesspeople (ABA Publishing IP Section 2010; www.TechContracts.com). Tollen has broad experience with privacy and information security compliance, electronic commerce and IP, as well as cloud computing. He is a frequent speaker on IP and IT issues.

 

Flood Insurance Reform: Wading through the Water(s)
The National Flood Insurance Program (NFIP) has just been impacted by major reform with the passage of two pieces of legislation, the Biggert-Waters Flood Insurance Reform Act of 2012 and the Homeowner Flood Insurance Affordability Act of 2014, in addition to semiannual program changes. Come and learn how those changes impact the NFIP and have all of your flood insurance questions answered, while wading through the water(s).

Melissa Anderson
National Flood Insurance Program Specialist
Federal Insurance and Mitigation Administration (FIMA), Federal Emergency Management Agency (FEMA)

Melissa Anderson is a National Flood Insurance Program (NFIP) program specialist for the Federal Emergency Management Agency (FEMA) in the Federal Insurance and Mitigation Administration (FIMA) in Arlington, Virginia. Anderson works in the industry and public relations branch and as an NFIP subject matter expert provides outreach and support to the industry on various flood insurance matters, while participating on various workgroups responsible for implementing the reform legislation and program changes. Prior to joining FEMA in 2008, Anderson was an independent insurance agent in the private sector for nearly 11 years and specialized in surplus lines insurance as well as flood insurance with a focus on the NFIP and private flood insurance.

Jill Kovar
VP, Counsel
MUFG Union Bank, NA

Jill Kovar is vice president and counsel with MUFG Union Bank, NA in Irvine, handling primarily consumer lending issues, including TILA, ECOA, RESPA, FCRA and flood insurance. Prior to joining the bank, Kovar was employed as a senior associate attorney with Aldrich & Bonnefin, PLC, counsel to the Bankers’ Compliance Group. Kovar currently serves on the executive committee for the California State Bar business law section.

 

Strategies to Deal with Elder Financial Abuse
A financial transaction comes to your attention which causes you to file an elder financial abuse report. Now you wonder whether you can stop the suspected abusive transaction. Can you say no to an attorney if you believe he/she is acting improperly under a validly executed power of attorney which remains in full force and effect? How should you respond when you face conflicting demands from family members who tell you the other family member is abusing their elder relative? Should you permit a successor trustee to act on an elder’s trust account when a family member tells you that the elder was incompetent when they adopted an amendment to their trust to appoint the successor trustee? Under what circumstances and conditions should you restrict an elder’s bank account or reject a transaction if you suspect elder financial abuse? The speakers deal with elder financial abuse matters on a daily basis and will discuss lessons learned from their respective experiences fighting elder financial abuse as a criminal prosecutor and in-house bank counsel, and discuss strategies financial institution employees can adopt when dealing with suspected elder financial abuse transactions.

Paul Greenwood
Deputy District Attorney
San Diego County

Paul Greenwood is a deputy district attorney with San Diego district attorney’s office. He has been a lawyer for 36 years. He earned his law degree in England where he qualified as a barrister and solicitor. In 1991, Greenwood relocated to San Diego and passed the California Bar before joining the DA’s office in 1993. For the past 18 years he has headed up the San Diego DA’s Elder Abuse Prosecution Unit and has prosecuted more than 500 felonies ranging from murder to elder financial exploitation.

Raymond Lynch
Sr. Company Counsel
Wells Fargo Bank, NA

Raymond Lynch is a senior company counsel with Wells Fargo Bank N.A. Lynch provides legal support on all aspects of deposit account operations – including how to respond to situations involving suspected bank account fraud and financial elder abuse. Lynch has participated on banking industry working groups in connection with financial elder abuse legislation adopted in Delaware and Washington and proposed financial elder abuse legislation in Pennsylvania. Lynch has previously spoken on topics involving deposit operations, FDIC deposit insurance and financial elder abuse at CBA conferences, programs and webinars.

 

Legal Order Processing
This session will cover general principles of law applicable to various types of subpoenas, levies and other legal process affecting customer accounts with your financial institution. Covered topics will include customer notifications, bank reimbursement, privacy obligations and more.

Steven Arnold
Partner
Manatt, Phelps & Phillips, LLP

Steven Arnold is a partner in the financial services and banking practice at Manatt, Phelps & Phillips, LLP.  Arnold previously served as the general counsel of Pacific Premier Bank, where he also held the positions of compliance officer and Bank Secrecy Act officer. He also served as managing counsel at Toyota Financial Services. Arnold started in banking as a new accounts representative and has more than 18 years’ experience in the industry. His practice covers all areas of banking operations including deposit accounts, advertising, consumer compliance, document/disclosure drafting, legal process, vendor contracts, LaserPro and more.

Susan Somuri
VP, Counsel
MUFG Union Bank, NA

Susan Somuri works as bank operations counsel for MUFG Union Bank, NA. Somuri has experience with consumer deposit regulations, legal process, privacy, payment systems, Uniform Commercial Code rules, treasury management services and other related bank operation topics. She was admitted to the California State Bar in June 2000.

 

Concurrent Sessions – Thursday, October 9, 2014

Blueprint for Constructing Your UDAAP Compliance Program
A comprehensive UDAAP compliance program is fundamental to promoting consumer confidence, observing consumer protection laws and addressing an active regulatory environment. Our expert UDAAP compliance panelists will focus on how to build a comprehensive UDAAP compliance program.

Terri Oster
Sr. Manager, Fair Lending and UDAAP Compliance PayPal Americas
PayPal (eBay, Inc.)

Terri Oster is the responsible banking UDAAP program officer at Bank of the West and has designed and implemented the bank’s responsible banking program. She previously served as a UDAAP enforcement attorney for the Florida attorney general, and has litigated commercial UDAAP cases in the private legal sector. Oster has instructed law students on UDAAP as a professor at Barry College of Law, and served as a banking compliance consultant with both FIS Regulatory Advisory Services and Sheshunoff Consulting.

Carl Pry
Managing Director
Treliant Risk Advisors

Carl Pry is a seasoned executive with banking law, corporate finance and regulatory compliance experience with Fortune 500 institutions, regional banks and industry consulting firms. He advises clients on commercial compliance, fair lending, corporate treasury and risk management. Pry has held senior leadership positions including SVP and compliance manager at KeyBank, manager of finance and performance management service line at Accenture, and VP of regulatory services at Kirchman Corporation. With strong knowledge and experience as a banking attorney and officer, Pry is a frequent contributor to and currently serves on the editorial advisory board for the ABA Bank Compliance magazine. As a featured speaker for numerous banking, compliance, and state bar associations, he has led training sessions across the country. He has served as an instructor at FDIC examiner school and back-up instructor for NCUA examiner school. He has authored training programs covering consumer and commercial compliance, audit, quality control, tax, privacy and risk management.

 

Banking High Risk Customers – Establishing Effective Customer Due Diligence
This session will explore the characteristics that make certain customers “higher risk” for money laundering and the implications for due diligence on banks who choose to provide services to such customers. The exploration of this topic will begin with a review of regulatory guidance/expectation and then explore the practical implications on establishing effective customer due diligence.

John Krenitsky
Chief Compliance Officer
Bank of the West

John Krenitsky is the chief compliance officer for Bank of the West and BancWest Corporation in San Francisco (the holding company of Bank of the West and First Hawaiian Bank). Prior to that, he was the enterprise wide compliance officer for M&T Bank in Buffalo, NY. Krenitsky has been managing compliance and anti-money laundering programs for nearly 10 years and previously advised on legal counsel programs.

 

Dynamic Customer Complaint Monitoring
While we’ve moved beyond the basic concept of collecting complaints that come into our banks, the regulators are expecting more. Regardless of what your process is for collecting complaints, the real meaningful work begins with what you do with that information. This session will provide compliance professionals from all size banks guidance on how to strengthen your complaint monitoring process. The discussion will include what information to collect, risk rating individual complaints, what to report to senior management and the board and effective follow-up. Be prepared to participate in an interactive discussion.

Julie Gray
SVP, Deposit Products Group
Wells Fargo & Co.

Julie Gray is a senior vice president and head of risk, compliance and policy management for the deposit products group. She joined Wells Fargo in 2005 to manage compliance activities for the consumer deposits line of business and has expanded her team’s scope of work to include all deposit products group lines of business, including business and consumer deposits, debit and prepaid products, global remittance services and identity theft protection. Gray’s prior experience includes work with the Comptroller of the Currency and the Office of Thrift Supervision. She also worked with Charles Schwab initially as a compliance manager for their U.S. trust division then serving as the chief compliance officer for the Charles Schwab Bank.  

Flora Merigian
VP, Fair Lending Officer
First Republic Bank

Flora Merigian is currently vice president and fair lending officer for First Republic Bank, She has worked at a variety of financial institutions ranging in size from $200 million in assets to $50 billion. Merigian started her career in compliance more than 25 years ago at the Office of Thrift Supervision where she served as a compliance examiner for nine years before leaving to work in the private banking industry. She attained the Federal Compliance Examiner designation in 1995 and CRCM in 2004. She has helped author two versions of the CRCM study handbook.

 

Mobile Banking
From mainstream to emerging trends, we’ll provide an engaging overview of the dynamic mobile banking landscape. Learn what your bank should know as you evolve your mobile banking capabilities. This interactive discussion will cover a range of mobile capabilities with an eye towards legal and regulatory issues.

Jamie Armistead
EVP, Digital Channels
Bank of the West

Since joining Bank of the West two years ago, Jamie Armistead has led the transformation of the bank’s digital channels in ways that delight customers and meet their evolving banking preferences. Under his leadership, Bank of the West launched a well-regarded integrated online banking and investing platform and was the first bank in North America to offer Quick Balance, which provides customers with pre-login account balances on mobile. His team’s efforts are credited with helping the bank earn industry recognition for its efforts to operate faster, smarter and more creatively, including being named a Best Midsize Bank in America by Money magazine in November, 2013. Previously, he was director of user experience at Bank of America, where he was responsible for customer-facing experiences across web, mobile and ATM platforms.

Damier Xandrine
Sr. Counsel
Wells Fargo Bank

Damier Xandrine is senior counsel with Wells Fargo & Company. Her area of practice focuses on e-commerce legal and regulatory issues, online agreements and disclosures, payment systems and online authentication and fraud. She provides legal support and guidance for retail and wholesale Internet banking, mobile banking and mobile payment services. She also has expertise in negotiating technology deals and agreements for payment systems, stored value cards, mobile financial services, technology joint ventures, and technology vendor contracts.

 

Commercial Lending Compliance
Providing compliance training to commercial lenders is always a challenge because they often equate compliance responsibilities with consumer lending. This session will focus on compliance issues from a commercial lending point of view, and provide a practical approach to knowing when particular regulations apply and what the basic rules are. Tips and tools will be provided to assist compliance officers implement an effective regulatory compliance training program for commercial lenders.

Pam Perdue
EVP, Regulatory Insight
Continuity Control

Pam Perdue is a distinguished regulatory expert with 25 years of experience. She has served as a chief compliance officer, compliance educator and consultant for regional/national banks, and as a senior examiner with the Federal Reserve. Perdue’s expertise enables her to swiftly decipher regulatory items, analyzing whether, and how, they pertain to each financial institution. She routinely speaks at conferences, symposia and compliance schools.

 

Mergers & Acquisitions
M&A activity is on everyone’s mind these days. It’s a fact of current life in banking and as compliance risk professionals we need to be prepared for it. Join our expert who will provide insight on regulatory and other risks that occur during mergers and acquisitions, whichever side of the deal you might be on.   Avoid costly mistakes, regulatory criticism and customer issues during the event. Change management is crucial to these events and having clear understanding of potential issues with product changes, compliance requirements and operational integration of the institution will help you better prepare to act when management makes the announcement.

Bob Sjogren
EVP, Chief Operating Officer & General Counsel
Pacific Mercantile Bank

Bob Sjogren is EVP/COO and general counsel of Pacific Mercantile Bank and its parent. He previously served as general counsel and chief risk officer for Carpenter & Company and chief compliance officer for its affiliated broker/dealer, registered investment advisor and the Carpenter Community BancFund. Sjogren began his legal career in 1998 at Nixon Peabody specializing in representing financial institutions in corporate transactions and regulatory matters. Sjogren began his professional career in 1988 with the FDIC, serving for 10 years as a bank examiner based in Orange County.

 

Banking Fraud: Infiltration, Detection, Investigation and Prevention
This session will walk attendees through the lifecycle of a cyber-attack. Starting with how criminals acquire the credentials or information needed to compromise an account or system, how banks can work with the U.S. Secret Service to investigate data breaches when they do occur, and strategies for detecting and preventing account compromises and data breaches from happening in the first place. John Marengo from the U.S. Secret Service cyber intelligence division, and Eric LaBadie of Guardian Analytics, will present the scope of the cybercrime landscape and examples that highlight the threats, business risks, and investigative and detection process.

Eric LaBadie
VP, Customer Success
Guardian Analytics

Eric LaBadie has been with Guardian Analytics for more than 8 years, working with banks of all sizes to protect their account holders from the growing threat of fraud. LaBadie is a regular speaker at national and regional banking and credit union security and payments events. He offers deep knowledge of fraud, best practices for building layered security, and real-world customer successes with using anomaly detection to stop banking fraud and improve business operations. Prior to joining Guardian Analytics, he held senior positions within IBM, including responsibility for managing the Fortune 500 financial services accounts for the rational software brand. Prior to IBM, he served as director of sales for iSharp and at Silicon Valley Networks, and was district manager for Pure Software.

John Marengo
Assistant to the Special Agent in Charge
U.S. Secret Service, Criminal Investigative Division, Cyber Intelligence Section

John Marengo is an assistant to the special agent in charge at the U.S. Secret Service criminal investigative division where he oversees the cyber intelligence section. Prior to joining the criminal investigative division, he was stationed in the New York, Washington and Los Angeles field offices, investigative support division and the presidential protection division.

 

New Integrated Mortgage Disclosures: The Loan Estimate
In this session we will discuss the ins and outs of the new loan estimate, which combines the current Truth in Lending Act disclosure statement and the RESPA good faith estimate. As compliance professionals already know, the new integrated disclosures will go into effect on August 1, 2015. However, it is going to be critical for bankers to have an in-depth understanding of the new disclosures long before the effective date. This session will cover several aspects of the new loan estimate, including the types of covered loans subject to the new disclosure, timing and contents of the loan estimate, the new written list of providers model form, permissible “variations” (that is, tolerances) and practical tips for implementation.

Janet Bonnefin
Principal
Aldrich & Bonnefin, PLC

Janet Bonnefin is a principal of Aldrich Bonnefin, PLC, specializing in consumer and mortgage lending and regulation, compliance management, CRA and fair lending. She also manages the Bankers’ Compliance Group for the firm. Bonnefin advises clients on a variety of regulatory compliance matters, including consumer and mortgage loan documentation, and also on CRA and fair lending examinations. Bonnefin was the 2012 recipient of the CBA Compliance Professional of the Year award.

Bob Olsen
Principal
Aldrich & Bonnefin, PLC

Bob Olsen is a principal of Aldrich Bonnefin, PLC, and heads the firm’s Consumer Practice Group. He specializes in consumer regulatory compliance, financial privacy, fair lending and other financial regulatory matters. Prior to joining Aldrich & Bonnefin in 1996 he practiced law with Morrison & Foerster, the Resolution Trust Corporation and Stroock & Stroock & Lavan. 

 

Up in Smoke: Banking Marijuana-Related Businesses
Although medical marijuana dispensaries have been established in dozens of cities throughout California, the usage and sale of marijuana (even for medicinal purposes) remains illegal under federal law. We will discuss the compliance and practical challenges facing institutions struggling with the decision of whether and how to provide banking services to this industry, including customer due diligence and suspicious activity reporting (SAR). This session will include an overview of the California attorney general and FinCEN’s separate guidance, legislative developments and data on the number of marijuana dispensaries, sales volumes and financial products sought by the industry. We will also discuss FinCEN’s proposed rule regarding the identification of beneficial owners.

Anne McEvilly
Principal
Aldrich & Bonnefin, PLC

Anne McEvilly is a principal of Aldrich Bonnefin, PLC, specializing in regulatory compliance, including banking operations, treasury services, vendor management and contract negotiations. Prior to joining the firm, McEvilly was in-house counsel to Toyota Motor Credit Corporation and legal counsel to the Resolution Trust Corporation. 

Brian Scrip
CRA/Compliance Officer
Bank of the Orient

Brian Scrip has worked in financial institution regulatory compliance since 1984. He specializes in bringing compliance solutions to high risk compliance projects. In his career he has performed the regulatory compliance work for seven mortgage companies, a loan brokerage, one payday lender, one check cashier, an outbound call center, launched a bank subsidiary for the purchase of indirect auto contracts, started two non-profits, designed the regulatory risk management system for a bank specializing in Internet swipe transactions and recently designed a regulatory compliance system for a domestically owned bank doing business in the People’s Republic of China. To round off his career he has worked as an examiner and risk management specialist for two regulatory agencies.

 

Surviving the Exam Process from A-Z
New rules, additional regulatory oversight and focus on consumer protection have increased the number and level of regulatory compliance exams for all banks, big and small. Hear from your peers on how to prepare for and survive a compliance exam. You will hear a small bank’s perspective on a managing a prudential regulator’s compliance examination, as well as, living through a prudential and Consumer Financial Protection Bureau coordinated compliance exam. Lessons learned, best practices and useful tools will be shared to help you in your next exam.

Liz Clarkson
SVP, Chief Compliance Officer
Umpqua Bank

Elizabeth Clarkson is SVP and chief compliance officer for Umpqua Bank, headquartered in Portland, Oregon. She manages a team of compliance professionals in a centralized and decentralized compliance management system model for Umpqua and its broker dealer, Umpqua Investments. She has more than 19 years in banking and broker dealer regulatory compliance risk management and training. Clarkson holds Certified Regulatory Compliance Manager (CRCM) and Anti-Money Laundering Specialist (CAMS) designations, as well as, series 7, 63, 24, 65, 53, 4 FINRA licenses. She is currently attending the ABA Stonier Graduate School of Banking (class of 2015).

Radhika Dholakia
EVP, Chief Compliance Officer
Sunwest Bank

Radhika Dholakia is the EVP, chief compliance officer at Sunwest Bank in Irvine. She has served the banking industry in a variety of positions from personal banker to head of compliance throughout the last 24 years. In addition, Dholakia has been an active member of the CBA Regulatory Compliance Committee and served as chair of the conference in 2013.

 

Concurrent Sessions – Friday, October 10, 2014

Emerging Payment Systems Risks
Keeping pace with the rapidly evolving payments landscape is enough to fret any risk or compliance professional. Ensuring your institution is compliant with the latest payment regulations and is protecting itself from the newest risk threats is a full-time job, without the added concern about what might be coming next. This session will discuss budding payment risks and hot topics to help you begin to prepare your organization’s defense. Subjects discussed will include virtual currencies, NACHA’s same-day ACH proposal, third party vendor management and cybersecurity.

Chris Selmi
VP, Regulatory Compliance
Western Payments Alliance (WesPay)

Chris Selmi is vice president of regulatory compliance for WesPay, responsible for working closely with members to develop processes and programs designed to facilitate member compliance with payments law, regulations and industry standards. Selmi joined the WesPay team in 2012 and previously spent 16 years in the electronic payments organization at Bank of America.

Deborah Thoren-Peden
Partner
Pillsbury Winthrop Shaw Pittman

Deborah Thoren-Peden is a partner and former managing board member at Pillsbury Winthrop Shaw Pittman LLP. She is co-leader of the firm’s payments, consumer, cybersecurity and retail teams, and leader of the privacy and unclaimed property teams with a strong track record of assisting clients on successful launches of new products and services in the payments sector and other industries, including traditional and emerging payments, electronic wallets, mobile payments, digital currency, virtual currency (e.g., bitcoin) and rewards. She advises a spectrum of industries on payments, privacy and cybersecurity laws and regulations and also advises on responding to requests for information from government and law enforcement agencies or otherwise providing information to such agencies. Thoren-Peden is an expert on compliance with anti-money laundering laws and economic sanctions overseen by the Office of Foreign Asset Control of the U.S. Department of the Treasury.

 

Trust You Wanted to Know:  Issues for Banks as Trustees and Trusts as Bank Clients
This session will focus primarily on issues which arise when a bank acts as a trustee, but we will also discuss some concerns when dealing with trusts as bank customers. We will present an overview of the special considerations required for setting up and maintaining a bank trust department and alert in house compliance and legal professionals as to some of the issues involved in dealing with trusts and what it means to be a fiduciary. We will discuss areas of risk and address how to practically mitigate a bank’s exposure as a trustee when dealing with trust beneficiaries, trustors (who establish a trust in the first place) and third parties. At the end of the presentation we will turn the discussion around and review a few issues which banks need to consider when opening and maintaining deposit accounts and loans for trusts as bank clients.

Chris Chenoweth
SVP, Chief Administrative Officer
Fremont Bank

Chris Chenoweth has been the general counsel and is currently the chief administrative officer for Fremont Bank, a $2.9 billion community bank in the San Francisco East Bay. He has worked for the bank since 2000. For 14 years prior to that he was SVP, COO and general counsel for the California Bankers Association. He graduated Phi Beta Kappa from Haverford College outside of Philadelphia in 1979 and received his law degree from Boalt Hall Law School, University of California Berkeley in 1982. He began his legal career with the San Francisco firm of Long & Levit where he specialized in defending and prosecuting professional malpractice cases.

 

New Integrated Mortgage Disclosures: The Closing Disclosure
The new closing disclosure combines the current Truth in Lending Act disclosure statement and the HUD-1 settlement statement and also goes into effect on August 1, 2015. The contents of the closing disclosure mirror the loan estimate in most respects, with some important differences. We’ll also cover the details regarding timing of the closing disclosure, the rules that pertain to the consumer’s ability to waive the three-day waiting period and when changes to the closing disclosure before consummation require a new waiting period. In addition, we will discuss the new escrow account cancellation notices (also effective August 1, 2015).

Janet Bonnefin
Principal
Aldrich & Bonnefin, PLC

Janet Bonnefin is a principal of Aldrich Bonnefin, PLC specializing in consumer and mortgage lending and regulation, compliance management, CRA and fair lending. She also manages the Bankers’ Compliance Group for the firm. Bonnefin advises clients on a variety of regulatory compliance matters, including consumer and mortgage loan documentation, and also on CRA and fair lending examinations. Bonnefin was the 2012 recipient of the CBA Compliance Professional of the Year award.

Bob Olsen
Principal
Aldrich & Bonnefin, PLC

Bob Olsen is a principal of Aldrich Bonnefin, PLC, and heads the firm’s Consumer Practice Group. He specializes in consumer regulatory compliance, financial privacy, fair lending and other financial regulatory matters. Prior to joining Aldrich & Bonnefin in 1996 he practiced law with Morrison & Foerster, the Resolution Trust Corporation and Stroock & Stroock & Lavan. 

 

Enterprise Risk Management for Community Banks: Made Simple!
Many smaller community banks haven’t implemented an Enterprise Risk Management (ERM) program because starting from scratch can be overwhelming and third-party models can be complex and expensive. Five Star Bank has developed a simple model using existing information and Excel spreadsheets. During this session, you will learn how to easily create and maintain a board-ready ERM program, and be provided with a sample policy and the spreadsheet model. With these tools, you will be able to create an ERM model at your bank.

Mike Lee
Chief Regulatory Officer
Five Star Bank

Mike Lee joined Five Star Bank in 2005 as chief financial officer, bringing 14 years of experience with the FDIC. Transitioning to chief credit officer in 2007, he oversaw the bank’s lending functions. In 2010, he was appointed chief regulatory officer, responsible for compliance, audits and examinations, and enterprise wide risk management. Having seen the bank as an FDIC examiner, CFO and CCO, Lee is uniquely qualified to encapsulate all aspects of the bank’s operations into an ERM model that the board and regulators will understand.

 

CE Credit

Certified Regulatory Compliance Manager (CRCM)
The 36th Annual Regulatory Compliance Conference sessions have been submitted to ICB for CE credit review and is pending approval. Once we receive notification of the credit approval, we will notify attendees/paticipants.

For the Certified Regulatory Compliance Manager designation, only members certified by the ICB are required to report ICB credits. For more information, click here.

The Association of Certified Anti-Money Laundering Specialist (ACAMS)
The conference sessions have been submitted to the Association of Certified Anti-Money Laundering Specialists (ACAMS) for CE credit review and is pending approval for the CAMS designation. For more information, click here.

Minimum Continuing Legal Education (MCLE)
This conference sessions are approved for Minimum Continuing Legal Education (MCLE) credit by the State Bar of California. Please see the conference program guide on-site for details.

Sponsors & Exhibitors

Sponsor and exhibitor opportunities are still available, download the Marketplace Information Brochure under Resources and contact Melissa O’Campo at (916) 438-4435. 

CBA offers a wide selection of opportunities designed to match your exposure needs and budget.

A few reasons your organization should sponsor and/or exhibit:

  • 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
  • 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

General Information

Compliance Professional of the Year Award
The Regulatory Compliance Committee will announce the recipient of the 2014 Compliance Professional award during Thursday’s lunch. This award recognizes dedication to excellence, leadership and advancement of the compliance profession and service to the banking industry.

Dress Code and Weather
The attire for the duration of the conference is business casual. Temperatures range from the mid-70s during the day and mid-
60s in the evening.

Evening Events
Please join us for several opportunities to relax, enjoy good food and network with your colleagues in the industry. Our evening events include receptions on Tuesday, Wednesday and Thursday. Exhibitor prize drawings will be held Thursday evening.

Spouse Attendees
Registration for spouse attendees includes all meal functions and social activities. Spouses are welcome to enjoy the many amenities of the resort, including the 15 percent discount at the Ocean Pearl Spa.

Special Dietary and Physical Requirements
If you have any special dietary or physical requirements, please notify CBA in advance, if possible. Onsite, please stop by the CBA registration desk and we will do our best to accommodate your requests.

Commands