Program | Risk and Compliance Conference

7:00 AM – 5:30 PM

Registration Open

7:00 AM – 9:00 AM

Welcome Continental Breakfast - in the Foyer 

9:00 AM – 10:00 AM

General Session

Keynote Address - Industry Update

• Rob Nichols, President and CEO, American Bankers Association 

10:00 AM – 10:15 AM

Break

10:15 AM – 11:00 AM

Concurrent Series 1

Repeated in Series 2

1A: Testing: The Latest Concerns and Trends

Repeated in 2A
This session will provide you with the highlight reel of key areas in testing that may require attention given current risks, including automated testing. If you would like a deeper dive/advanced level look at creating efficiencies in testing, we are offering a 90 minute interactive session in our learning lab series.

1B: Board Reporting in 2024: From KPIs to AI and All of the Acronyms in Between!

Repeated in 2B
This session will provide you with a road map for updating your board reporting process based on current expectations and obligations. We’ll show you how to tie your reports to KRIs and KPIs that matter, discuss board liability risks, and hazards in using ChatGPT for creating the narrative report.

1C: CRA: An Executive Overview

Repeated in 2C
This session is a high-level overview of the new rule for both risk and compliance professionals who do not have direct responsibility for CRA, but who will be engaged in discussions about bank risk and strategy surrounding CRA implementation.

1D: The 3 C’s to Improve the Efficiency and Effectiveness of Your Governance Practices

Repeated in 2D
Just when you think your governance structure is functioning well, new pressures and tensions come into play causing you to readjust your overall governance practices. Join us as we provide a new way of reviewing your governance practices through the 3-C’s: Communication, Collaboration and Compromise! You’ll leave with new ideas to refocus your governance practices, especially in terms of your lines of defense.

1E: Model Risk Management – For Risk and Compliance: Beyond the Basics

Repeated in 2E
This session is designed to help both risk and compliance professionals, who often use the same models, to take a holistic approach to managing model risk. We’ll help you answer the questions - are the models doing what they are designed to do and is the appropriate information flowing between departments? We’ll discuss model assessment, understanding how model risk flows between risk and compliance; model development documentation, process for passing information flows and assessments between departments, understanding model verification and integrity of the model and more.

1F: Creative Methods to Obtain Deposits: What Are the Risks?

Repeated in 2F
As banks continue to evolve their customer outreach to attract deposits, are they considering the full range of risk beyond compliance? Join us as we discuss a few new customer relationships banks are pursuing and the associated risks. You will walk away with ideas on how to analyze new customer risks of a variety of customer and deposit classes such as gaming, cannabis and brokered deposits.

1G: Payments Hot Topics

Repeated in 2G

1H: Marketing Compliance: New Era = New Risks

Repeated in 2H
From algorithms to AI to distribution channels – the current era of digital marketing carries a lot of risks along with the rewards. We’ll provide specific hazards and help you understand how your ads are being distributed and ways to ensure that unintended consequences do not arise.

1I: Appraisal Bias Risk

Repeated in 2I

1J: Servicing Hot Topics: From Auto Lending to Mortgage

Repeated in 2J
This fast-paced overview will provide you with the latest exam concerns and pitfalls in all areas of servicing, especially as it relates to abusive standards.

11:00 AM – 11:15 AM

Break

11:15 AM – 12:00 PM

Concurrent Series 2

Repeated from Series 1

2A: Testing: The Latest Concerns and Trends

Repeated from 1A
This session will provide you with the highlight reel of key areas in testing that may require attention given current risks, including automated testing. If you would like a deeper dive/advanced level look at creating efficiencies in testing, we are offering a 90 minute interactive session in our learning lab series.

2B: Board Reporting in 2024: From KPIs to AI and All of the Acronyms in Between!

Repeated from 1B
This session will provide you with a road map for updating your board reporting process based on current expectations and obligations. We’ll show you how to tie your reports to KRIs and KPIs that matter, discuss board liability risks, and hazards in using ChatGPT for creating the narrative report.

2C: CRA: An Executive Overview

Repeated from 1C
This session is a high-level overview of the new rule for both risk and compliance professionals who do not have direct responsibility for CRA, but who will be engaged in discussions about bank risk and strategy surrounding CRA implementation.

2D: The 3 C’s to Improve the Efficiency and Effectiveness of Your Governance Practices

Repeated from 1D
Just when you think your governance structure is functioning well, new pressures and tensions come into play causing you to readjust your overall governance practices. Join us as we provide a new way of reviewing your governance practices through the 3-C’s: Communication, Collaboration and Compromise! You’ll leave with new ideas to refocus your governance practices, especially in terms of your lines of defense.

2E: Model Risk Management – For Risk and Compliance: Beyond the Basics

Repeated from 1E
This session is designed to help both risk and compliance professionals, who often use the same models, to take a holistic approach to managing model risk. We’ll help you answer the questions - are the models doing what they are designed to do and is the appropriate information flowing between departments? We’ll discuss model assessment, understanding how model risk flows between risk and compliance; model development documentation, process for passing information flows and assessments between departments, understanding model verification and integrity of the model and more.

2F: Creative Methods to Obtain Deposits: What Are the Risks?

Repeated from 1F
As banks continue to evolve their customer outreach to attract deposits, are they considering the full range of risk beyond compliance? Join us as we discuss a few new customer relationships banks are pursuing and the associated risks. You will walk away with ideas on how to analyze new customer risks of a variety of customer and deposit classes such as gaming, cannabis and brokered deposits.

2G: Payments Hot Topics

Repeated from 1G

2H: Marketing Compliance: New Era = New Risks

Repeated from 1H
From algorithms to AI to distribution channels – the current era of digital marketing carries a lot of risks along with the rewards. We’ll provide specific hazards and help you understand how your ads are being distributed and ways to ensure that unintended consequences do not arise.

2I: Appraisal Bias Risk

Repeated from 1I

2J: Servicing Hot Topics: From Auto Lending to Mortgage

Repeated from 1J
This fast-paced overview will provide you with the latest exam concerns and pitfalls in all areas of servicing, especially as it relates to abusive standards.

12:00 PM – 1:30 PM

Innovation Showcase Luncheon

It’s lunch and a show – a solutions show! Enjoy your conference-provided lunch while listening to the latest risk and compliance innovations. Five-minute solution-pitches provide you with a glimpse of the future!

1:30 PM – 1:45 PM

Break

1:45 PM – 2:30 PM

Concurrent Series 3

Repeated in Series 4

3A: Improving Your Exam Management Program

Repeated in 4A

3B: Reviewing Your Product and Change Management Program for Effectiveness

Repeated in 4B

3C: Adapting Your Third-Party Risk Management Program to New FinTech Risks

Repeated in 4C
There’s a full range of considerations and concerns regarding FinTech Third Party risks. We’ll provide a roadmap to managing the risk including providing: questions you should ask; understanding middleware; oversight of non-bank entities and more.

3D: Evaluation of the Risks of Artificial Intelligence

Repeated in 4D
We are deep enough into the AI conversation to begin talking about how to assess AI risks. From data integrity, technological glitches, security snags, misbehaving models, staff misuse, violations of privacy rights, discriminatory outcomes, and damage to the bank’s reputation, the list is long. This session will consider how to inventory and assess AI risks as you begin to prepare your policies and procedures to mitigate the risks. Experts will also discuss the infrastructure, data governance and monitoring need to ensure that the AI solution remains reliable and appropriate for the intended use.

3E: Asset Liability Management – Part 1: A New Era for Asset / Liability Management

Repeated in 4E
Our two part look at Asset Liability Management begins with this session where we will review changing liquidity risk management expectations, especially regulatory expectations. We will explore how banks are stress testing earnings, capital, rate risk exposure and liquidity against new scenarios to manage their banks’ balance sheets.

3F: Commercial Real Estate Risk: What You Need to Know Now

Repeated in 4F

3G: Improving the Performance of Your Enterprise Risk Management Framework

Repeated in 4G
While the ERM framework has been around for a while, bankers are still working through issues to ensure efficiency and effectiveness. Join us for a conversation sharing potential answers to some of the common obstacles risk officers face, including breaking down silos, managing multiple risk types within the ERM framework, and how to include and measure operational risks, strategic risks and reputation risk.

3H: UDAAP- The New, The Old and Everything In-between

Repeated in 4H

3I: Hot Topics In RESPA

Repeated in 4I
It is really important to keep up to date with not only new regulations, but changes in enforcement of older regulations. This session will provide a quick review of new concerns including marketing, relationships with realtors, website advertising and more. We’ll cover current enforcement or litigation concerns and provide you with an effective compliance strategy going forward.

3J: The New CRA Test – An Initial Dive

Repeated in 4J
With 100 pages of the new CRA rule devoted just to tests, comparators, benchmarks and more, there is no way we can cover everything at RCC. However, in this session, we’ll start an initial conversation on some of the key tests identified by the rule to help bankers understand the data they will need and the calculations that will be required. Note: ABA will continue to have ongoing education and information sessions throughout the year – RCC attendees will be notified when more learning opportunities will be planned.

2:30 PM – 2:45 PM

Break

2:45 PM – 3:30 PM

Concurrent Series 4

Repeated from Series 3

4A: Improving Your Exam Management Program

Repeated from 3A

4B: Reviewing Your Product and Change Management Program for Effectiveness

Repeated from 3B

4C: Adapting Your Third-Party Risk Management Program to New FinTech Risks

Repeated from 3C
There’s a full range of considerations and concerns regarding FinTech Third Party risks. We’ll provide a roadmap to managing the risk including providing: questions you should ask; understanding middleware; oversight of non-bank entities and more.

4D: Evaluation of the Risks of Artificial Intelligence

Repeated from 3D
We are deep enough into the AI conversation to begin talking about how to assess AI risks. From data integrity, technological glitches, security snags, misbehaving models, staff misuse, violations of privacy rights, discriminatory outcomes, and damage to the bank’s reputation, the list is long. This session will consider how to inventory and assess AI risks as you begin to prepare your policies and procedures to mitigate the risks. Experts will also discuss the infrastructure, data governance and monitoring need to ensure that the AI solution remains reliable and appropriate for the intended use.

4E: Asset Liability Management – Part 1: A New Era for Asset / Liability Management

Repeated from 3E
Our two part look at Asset Liability Management begins with this session where we will review changing liquidity risk management expectations, especially regulatory expectations. We will explore how banks are stress testing earnings, capital, rate risk exposure and liquidity against new scenarios to manage their banks’ balance sheets.

4F: Commercial Real Estate Risk: What You Need to Know Now

Repeated from 3F

4G: Improving the Performance of Your Enterprise Risk Management Framework

Repeated from 3G
While the ERM framework has been around for a while, bankers are still working through issues to ensure efficiency and effectiveness. Join us for a conversation sharing potential answers to some of the common obstacles risk officers face, including breaking down silos, managing multiple risk types within the ERM framework, and how to include and measure operational risks, strategic risks and reputation risk.

4H: UDAAP- The New, The Old and Everything In-between

Repeated from 3H

4I: Hot Topics In RESPA

Repeated from 3I
It is really important to keep up to date with not only new regulations, but changes in enforcement of older regulations. This session will provide a quick review of new concerns including marketing, relationships with realtors, website advertising and more. We’ll cover current enforcement or litigation concerns and provide you with an effective compliance strategy going forward.

4J: The New CRA Test – An Initial Dive

Repeated from 3J
With 100 pages of the new CRA rule devoted just to tests, comparators, benchmarks and more, there is no way we can cover everything at RCC. However, in this session, we’ll start an initial conversation on some of the key tests identified by the rule to help bankers understand the data they will need and the calculations that will be required. Note: ABA will continue to have ongoing education and information sessions throughout the year – RCC attendees will be notified when more learning opportunities will be planned.

3:30 PM – 3:45 PM

Break

3:45 PM – 5:00 PM

General Session

Redirecting Your Cybersecurity Threat Focus to Improve Bank-Wide Effectiveness

Cybersecurity threats remains a top risk for banks and despite the ever-present risk assessments to capture emerging risks, there is an urgent need for bankers to step back and redefine how we understand these threats in the context of the entire enterprise. We are honored to have Marsh Advisory’s Head of the Emerging Risks Group, Reid Sawyer, bring a new way of understanding cyber risk in a broader context that will help bankers, no matter their risk or compliance job role, stay on top of evolving cyber risks. First, Reid will provide an essential overview of changing regulatory requirements. He will then move on to provide a roadmap to understanding cyber risk’s impact on the entire bank’s ecosystem and how it intersects with each area of the bank. Finally, he will provide an updated outline of the significant economic value of cyber risk in all areas of the bank. This session is designed for both compliance and risk officers, from all bank sizes.

Speaker:
Reid Sawyer, Managing Director, Head, Emerging Risks Group, Marsh Advisory

5:00 PM – 6:00 PM

Opening Reception in the Hub

7:30 AM – 5:30 PM

Registration Open

7:30 AM – 8:15 AM

Wednesday Power Breakfast Sessions 

Take full advantage of your conference experience! Join one of our expert corporate partners for a quick-paced informative session all while enjoying breakfast. Seating is first-come, first-served – no reservations are required. A breakfast buffet will be available from 7:15 am – 7:45 am for attendees attending these sessions.

8:00 AM – 8:30 AM

Coffee and Conversations in the Foyer

8:30 AM – 9:45 AM

General Session

9:45 AM – 10:30 AM

Coffee Break in The Hub

10:30 AM – 11:15 AM

Concurrent Series 5

Repeated in Series 6 

5A: Issues Management

Repeated in 6A

5B: CRA: Adapting Your Business Strategy to the New Rule

Repeated in 6B
Join us as we lead a discussion on how banks are beginning to think through how they will alter their current lending strategy to meet new CRA obligations and tests. We will walk through new ideas and questions you need to be asking yourselves as you move into a new era of lending.

5C: Check Up on Your Data Governance to Avoid New Risks: Do you Know the Downstream Impacts?

Repeated in 6C

5D: AML and OFAC Update

Repeated in 6DEvery risk and compliance officer should keep themselves up to date on the latest critical concerns in AML and OFAC especially as it relates to beneficial ownership and OFAC.

5E: Managing Real Estate Climate Risk

Repeated in 6E

5F: AI Use Cases for Risk Management

Repeated in 6F

5G: Asset Liability Management – Part 2: Evaluating Deposit Stickiness

Repeated in 6GLast year’s banking turmoil demonstrated the elevated run-off risk of deposits and underscored the importance of understanding and measuring the stability of your deposits – especially large, uninsured accounts. This session will delve into how bankers are identifying deposit concentrations and segments at greater risk to evaluate their “stickiness.”

5H: DEI After Affirmative Action

Repeated in 6H
This presentation reviews the implications for corporate America of the SCOTUS decision overturning the use of race-conscious policies in higher education and discusses how banks can broaden their DEI language and programs. We delve into recent reverse-discrimination decisions for considerations and suggestions for bankers in an evolving DEI climate.
Speaker:
Naomi Mercer, Senior Vice President, Diversity, Equity, & Inclusion, American Bankers Association

5I: Preparing for Large Bank Status – A Roadmap for Compliance

Repeated in 6I
With mergers and acquisitions continuing to rise and revenue growth continuing, every bank should have as part of their growth discussions an understanding of the level of impact such a transition would have on the compliance program, especially as it relates to heightened standards. We’ll provide you with a checklist of considerations to prepare you for discussions regarding growth.
Speaker:
Lynne Johnston, Senior Director. Treliant LLC

5J: AI Use Cases for Compliance

Repeated in 6J

11:15 AM – 11:30 PM

Break

11:30 AM – 12:15 PM

Concurrent Series 6

Repeated from Series 5

6A: Issues Management

Repeated from 5A

6B: CRA: Adapting Your Business Strategy to the New Rule

Repeated from 5B
Join us as we lead a discussion on how banks are beginning to think through how they will alter their current lending strategy to meet new CRA obligations and tests. We will walk through new ideas and questions you need to be asking yourselves as you move into a new era of lending.

6C: Check Up on Your Data Governance to Avoid New Risks: Do you Know the Downstream Impacts?

Repeated from 5C

6D: AML and OFAC Update

Repeated from 5D
Every risk and compliance officer should keep themselves up to date on the latest critical concerns in AML and OFAC especially as it relates to beneficial ownership and OFAC.

6E: Managing Real Estate Climate Risk

Repeated from 5E

6F: AI Use Cases for Risk Management

Repeated from 5F

6G: Asset Liability Management – Part 2: Evaluating Deposit Stickiness

Repeated from 5G
Last year’s banking turmoil demonstrated the elevated run-off risk of deposits and underscored the importance of understanding and measuring the stability of your deposits – especially large, uninsured accounts. This session will delve into how bankers are identifying deposit concentrations and segments at greater risk to evaluate their “stickiness.”

6H: DEI After Affirmative Action

Repeated from 5H
This presentation reviews the implications for corporate America of the SCOTUS decision overturning the use of race-conscious policies in higher education and discusses how banks can broaden their DEI language and programs. We delve into recent reverse-discrimination decisions for considerations and suggestions for bankers in an evolving DEI climate.
Speaker:
Naomi Mercer, Senior Vice President, Diversity, Equity, & Inclusion, American Bankers Association

6I: Preparing for Large Bank Status – A Roadmap for Compliance

Repeated from 5I
With mergers and acquisitions continuing to rise and revenue growth continuing, every bank should have as part of their growth discussions an understanding of the level of impact such a transition would have on the compliance program, especially as it relates to heightened standards. We’ll provide you with a checklist of considerations to prepare you for discussions regarding growth.
Speaker:
Lynne Johnston, Senior Director. Treliant LLC

6J: AI Use Cases for Compliance

Repeated from 5J

12:15 PM – 1:45 PM

Lunch in The Hub

1:45 PM – 2:30 PM

Concurrent Series 7

Repeated in Series 8

7A: AI in Model Risk

Repeated in 8A

7B: Top Fraud Risks

Repeated in 8B
Fraud is everyone’s concern, especially for compliance and risk professionals. Join our experts for an overview of critical risk areas including check fraud, business email compromise, ransomware and more.

7C: Remediating Remediation Risks

Repeated in 8C
With expectations for faster response, yet a need to be exact in your response, what are some leading practices for managing remediation? We’ll provide ideas and solutions that will help you upgrade your remediation program.

7D: ESG Update

Repeated in 8D

7E: Capital Management: Evolving Regulatory Expectations

Repeated in 8E
This session will focus on current concerns and regulatory expectations of Capital Management. You will walk away with a better sense of where to direct your Capital Management Program.

7F: Concentration Risk

Repeated in 8F

7G: Fair Lending Hot Topics

Repeated in 8G

7H: Fees – Where are we Now? From Overdraft to NSF to Credit Cards

Repeated in 8H
This session will feature top exam concerns regarding fees and pitfalls that can lead to enforcement.

7I: Open for Late Breaking News

Repeated in 8I

7J: Open for Late Breaking News

Repeated in 8J

2:30 PM – 3:30 PM

Dessert in The Hub

3:30 PM – 4:30 PM

General Session

What Would You Do? Examining Scenarios for the CRO and CCO

Our panel of CCOs and CROs will take scenarios real-time, providing their response to a variety of scenarios. This is a great way to benchmark how you might respond to a particular challenge!

4:30 PM – 5:30 PM

Conference Reception

5:30 PM – 6:30 PM

ABA Certification Reception - By Invitation Only

7:30 AM – 5:30 PM

Registration Open

7:30 AM – 8:15 AM

Thursday Power Breakfast Sessions 

Take full advantage of your conference experience! Join one of our expert corporate partners for a quick-paced informative session all while enjoying breakfast. Seating is first-come, first-served - no reservations are required. A breakfast buffet will be available from 7:15 am – 7:45 am for attendees attending these sessions.

8:00 AM – 8:30 AM

Coffee and Conversations in the Foyer

8:30 AM – 10:00 AM

General Session

10:00 AM – 11:00 AM

Coffee Break in The Hub

11:00 AM – 11:45 AM

Concurrent Series 8

Repeated from Series 7

8A: AI in Model Risk

Repeated from 7A

8B: Top Fraud Risks

Repeated from 7B
Fraud is everyone’s concern, especially for compliance and risk professionals. Join our experts for an overview of critical risk areas including check fraud, business email compromise, ransomware and more.

8C: Remediating Remediation Risks

Repeated from 7C
With expectations for faster response, yet a need to be exact in your response, what are some leading practices for managing remediation? We’ll provide ideas and solutions that will help you upgrade your remediation program.

8D: ESG Update

Repeated from 7D

8E: Capital Management: Evolving Regulatory Expectations

Repeated from 7E
This session will focus on current concerns and regulatory expectations of Capital Management. You will walk away with a better sense of where to direct your Capital Management Program.

8F: Concentration Risk

Repeated from 7F

8G: Fair Lending Hot Topics

Repeated from 7G

8H: Fees – Where are we Now? From Overdraft to NSF to Credit Cards

Repeated from 7H
This session will feature top exam concerns regarding fees and pitfalls that can lead to enforcement.

8I: Open for Late Breaking News

Repeated from 7I

8J: Open for Late Breaking News

Repeated from 7J

11:45 AM – 1:45 PM

Seated Luncheon with Speaker

1:45 PM – 2:45 PM

Final Dessert in The Hub

2:45 PM – 4:30 PM

Concurrent Series 9: Learning Labs with Libations

Pick your topic area and prepare to spend two hours hearing the latest trends and solutions from experts and your peers. These learning labs are designed with most of the session devoted to peer-to-peer idea exchange and Q&A. You will walk away with an advanced level ability to respond to a particular risk area.

Important: These sessions will only be offered one time and most will not be recorded as most of the session time is devoted to open peer discussions and Q&A. We will note which sessions will be recorded on the final program.

9A: Compliance Officer of the Future: New Risks, New Technology, New Opportunities

Single Session
This session will be an open dialogue troubleshooting common workplace challenges we all face. Included in this discussion will be leading a hybrid workforce, mentoring remotely, empowering employees, reskilling for a technology-based job role; strategic development of subject matter experts and generalists to create strong career paths, maximizing new interactions with key stakeholders within the organization, your influence with other departments and more. This will also include conversations about succession planning beyond the plan – building internal talent for continuity.

9B: Test Drive Your Testing: Creating Efficiencies in Testing

Single Session
We will walk through the life cycle process of testing including regulatory inventory to controls. This session will also include an open conversation on managing testing in various lines of defense with multiple levels. Finally, we’ll discuss testing outcomes vs. testing process and figuring out the root cause.

9C: Looking Under the Hood of Your Vendor Management Program

Single Session
While we have a session specifically focused on third- and fourth-party risks associated with FinTechs, we thought attendees would benefit from a drilled down, roll-up-your sleeves, look under the hood approach to your overall vendor management program. We’ll talk about liability risks, across all types of products, what regulators are expecting, new controls for new risks, testing and more. Questions and discussions will be the feature of this audience-led discussion.

9D: Cybersecurity Incident Response: A Tabletop Exercise

Single Session
This will not be your typical cybersecurity breach exercise! We will run through a scenario and just like a comedy improv, we’ll take audience suggestions on not only steps people take, but also complications to be worked through. By the end, you will get a better sense of not only what not to do, but how to plan for the unexpected and create a coordinated response plan.

9E: Break the Contingency Funding Plan: A Simulation Exercise

Single Session
We’ll take contingency funding plan scenarios, and with your feedback, we’ll analyze if it is viable. Expect debate and new ideas!

9F: Career Paths for Risk and Compliance: Mapping Out Your Future

Single Session
This session is designed to foster creative thinking in mapping out your future career in risk and compliance. Mostly interactive, we will provide ideas on creating a personalized plan for growing your career. We also will provide time for peer-to-peer mentoring conversations.

9G: Check Up on 1071: An Interactive Discussion

Single Session
As banks build out their 1071 program, there have been more questions – and this session is designed to dig deep into those questions. We’ll talk through lessons learned from those who are already ahead in implementing 1071. We’ll sort through the intersections with risk management, including things like balancing credit risk with 1071 requirements. We’ll talk about data and what it should look like. We’ll also touch on what this looks like for banks that have multiple regions where they operate and we’ll talk about collaborating with vendors as well as impacts across the organization. And throughout this session – we’ll take your questions.

9H: Mortgage Lending Question Jam

Single Session
This session is designed to give you a brief update on all things mortgage lending related followed by an extensive interactive conversation with our experts on managing through challenges. Expect a lively discussion, led by our own “Rev Rod” – preacher of all things mortgage lending at the ABA!
Speaker:
Rod Alba, Senior Vice President, Real Estate Finance-Mortgage, American Bankers Association

7:30 AM – 9:00 AM

Registration Open

7:30 AM – 10:00 AM

Buffet Breakfast + Closing General Sessions

“Fuel Up for the Road Ahead”

We will provide you with recommended actions and focus for the next six months – and beyond. With the breakfast and the session – you will be fueled in body and mind for whatever is waiting for you back home!

10:00 AM

Conference Concludes