Illinois Bankers Association

The ONE

March 3-5, 2021 |The Beat Goes On Virtual Experience

The ONE Conference gathers financial industry professionals to exchange views, receive consultation and grow their knowledge beyond their own interest. It is a multi-day event with intensive programming offering specific tracks of training and general session topics. Participation in this conference invokes a deeper understanding of the profession and empowers personal development.

The theme "The Beat Goes On" illuminates that our industry continues to thrive in their communities and that we haven't missed a beat in navigating throughout the pandemic. The setlist is complete for The ONE Conference! Your all access pass allows you to stream sessions and converse with your peers, industry experts and solution providers on the Illinois Bankers NEW Mobile App. The app is currently under construction with an anticipated launch date of February 15!

One Fee, Unlimited Attendees (per organization)*
The first 48 banks to register receive inflatable band instruments (fun details to come)! 

Member: Financial Institution / Associate Member (Non-Sponsoring) - $545
Nonmember: Financial Institution - $945

Sign Me Up!  Sponsorship Opportunities Download the Brochure
* The first paid registrant receives an e-confirmation with a sample message, registration link, and promo code to share with their staff. Need assistance? Connect with the Illinois Bankers at 217-789-9340.

About The ONE

Schedule of Events

Wednesday, March 3
8:30 a.m. – 9:50 a.m. Opening Keynote / Volunteer of the Year
10:00 a.m. – 10:50 a.m. Concurrent Sessions

Improve Internal Controls and Decrease Risk with New Process Improvement Techniques
Financial/Risk Management – Danielle Heidemann & Robert Zondag – Wipfli

2021 HR Survival Update
Human Resources – Michael Gifford & Emily Bennett - Howard & Howard

Creating a Highly Skilled Team: Turn Your Team Meetings Into Meaningful Coaching Sessions
Leadership – Joe Micallef - Grow UP Sales & BankTalentHQ

Competitive Positioning in a Post COVID World
Lending – Tom Stamborski - Liquid Capital

Time to ReBalance: A Realignment for Growth
Marketing – Scott Florini & John Mathes - Newground

Growth Starts Within: Increase Talent Retention, Coach & Engage Your Front Line
Retail – Rachelle Humiston - Cultivate

Redefining the Banking Digital Experience to Attract Younger Customers
Tech & Ops – Nick Moore - Crowe

11:00 a.m. – 11:50 a.m. Peer Discussion

12:00 p.m. – 1:00 p.m. Marketplace

Thursday, March 4
9:00 a.m. – 9:50 a.m. Concurrent Sessions

Financial Management During A Rising Interest Rate Environment
Financial/Risk Management – Ed Meier - Heber Fuger Wendin

HR Review: Understanding the Essential Functions of Human Resources
Human Resources – Julia Johnson - Wipfli

Stuck Happens!
Leadership – Steve Thomas

Developing a Strategy Around SBA Lending
Lending – Chuck Evans – Windsor Advantage

Traditional Banking Structures in the Digital Age
Marketing – Dann Nelson - Haberfeld

Will You Be My Customer? Create Proposals That Guarantee Customers Will Say “Yes”
Retail – Joe Micallef - Grow UP Sales & BankTalentHQ

Living on the Edge of Payments
Tech & Ops – Michele Barlow – Macha

10:00 a.m. – 10:50 a.m. Concurrent Sessions

Implications of the New Control Rules
Financial/Risk Management – Joe Silvia - Howard & Howard

The Year of the Pandemic
Human Resources – Allison Powers – Barack Ferrazzano

Building Staff Confidence That Will Elevate Your Bank To New Heights
Leadership – Joe Micallef - Grow UP Sales & BankTalentHQ

Strategic Loan Stress Testing During a Challenging Credit Cycle
Lending – Steve Schick, Tom Siska & John Spear - Plante Moran

Don't Worry, Be Social
Marketing – Sid Haas - LKCS

Increase Cross Selling and Relationship Building on the Front Line Using Lean Tools
Retail – Danielle Heidemann & Robert Zondag - Wipfli

How to Respond When a Vendor Gets Hacked
Tech & Ops – Nick Podhradsky – SBS CyberSecurity

11:00 a.m. – 11:50 a.m. Peer Discussion

12:00 p.m. – 1:00 p.m. Marketplace

Friday, March 5
9:00 a.m. – 9:50 a.m. Concurrent Sessions

Asset Liability and Liquidity Risk Management in the Time of COVID-19
Financial/Risk Management – Nick Hahn - RSM

Working the “9-to-5”? A Thing of the Past
Human Resources – Tom Blackwell – Angott Search Group

We Have to Talk…
Leadership – Donna Flynn – SkillsMastery & BankTalentHQ

Covid-19 and Credit Grading
Lending – Jim Gibson – The Federal Reserve Bank of St. Louis

Strategic Loan Growth During the Pandemic and Beyond
Marketing – Robert Koehler & Tim Keith – Strategic Resource Management

Building a Funding Plan
Retail – Darryl Mataya - Abrigo

“Defining Moments” – Resilience and Recovery During a Business Disaster
Tech & Ops – Ben LeClaire - Plante Moran

10:00 a.m. – 10:50 a.m. Concurrent Sessions

Audit & COVID-19: A New Normal for CFOs
Financial/Risk Management – Kraig Ritter & Bob Swartz - BKD

Compensation Trends in Community Banking
HR – Robert Flowers - Stinson

Grooming Your Next Set of Leaders
Leadership – Bankers Panel

SBA 504 Lending: The Key to Building Better Business Banking Relationships in 2021
Lending – Manny Flores - SomerCor

Build a Better Pipeline – Gain More Qualified Customers, More Easily
Lending – Joe Micallef - Grow UP Sales & BankTalentHQ

Engagement Banking: Bridging the Gap Between Human and Digital
Marketing – Jacqueline Hickman & Will Bogan - Backbase

The Community Bank Ecosystem – Post Pandemic Challenges & Opportunities
Retail – Jeff Rigsby - CB Resource

Survive and Thrive with AI: Practical Use Cases of AI
Tech & Ops – Lindsay Lockhart & Sultan Meghji - Neocova

11:00 a.m. – 12:20 p.m. Closing Keynote / FLA Graduation

Keynote Speakers

What’s GOOD?!

Presented by Paul Long
Organizations around the globe are challenged right now to create engaging experiences in a society heavily dependent on virtual interactions. Speaker, author, podcaster and master of shenanigans, Paul Long leverages his concept of "Fundamism" to deliver a virtual keynote unlike anything you've experienced before.

Paul's message will lead you through a wealth of emotions as you laugh, think, and have FUN as a team. Through his FUNdamentals, Paul will empower you to make strides in improving your quality of life at home and work. When applied, these tactical behaviors are proven to create more joy, FUN and fulfillment in life while improving key performance indicators like customer experience, employee engagement, performance and a whole host of others.

At a time where society appears to be more focused on what's not working as opposed to what is, embrace the opportunity to experience "what's GOOD!"

Servant Leadership

Presented by Cassandra "Cassi" Chandler
Cassi Chandler pursued a career at the FBI after helping them arrest a fugitive who called her wanting to confess on TV while she was an anchor at NBC. She came away believing her service was helping protect her family, her neighborhood, and America. This attitude – along with her impressive work ethic – led her to lead at the agency for 23 years. Let Cassi inspire you to lead by serving and embrace the value of forming connections among different age groups, races, ethnicities, and diverse backgrounds toward common goals.

About the Mobile App & Continuing Education Credits

IBA MOBILE APP Powered by RD Mobile

Introducing the NEW Illinois Bankers Association app. This app connects you to all association activities from industry news to virtual training programs, events, and more. It is your direct mobile link to download materials, meet attendees, post questions, and converse with participants in or out of an event. We look forward to introducing you to new products, services, and educational programming through this interactive app. The app will be available soon in your preferred app store.

Features:
Newsfeeds 
Notifications for Prizes and Real-time Alerts
Event Calendar
Messaging/Conversations 
Social Media

CONTINUING EDUCATION CREDITS

HR Credit 
HR Certification Institute’s® (www.HRCI.org) official seal confirms that the IBA meets the criteria for pre-approved recertification credit(s) for any of HRCI’s eight credentials, including SPHR® and PHR®. 

The IBA is recognized by SHRM to offer Professional Development Credits (PDCs) for the SHRM-CP® or SHRM-SCP®. This program is pending approval for PDCs for the SHRM-CP® or SHRM-SCP®. For more information about certification or recertification, please visit www.shrmcertification.org. Qualifying sessions include those in the Human Resources and Leadership Development tracks as well as the general session presentations.

Continuing Professional Education
The IBA is recognized as a public accountant continuing professional education sponsor by the Illinois Department of Financial and Professional Regulation. Public accountants licensed in the state of Illinois will earn 5 credits of continuing professional education credit for attending sessions in the Financial/Risk Management track.

Certified Financial Marketing Professional

American Bankers Association (ABA) Professional Certifications has approved The ONE Conference for 5 CFMP CE credits. ABA Professional Certifications is dedicated to promoting the highest standards of performance and ethics within the financial services industry. This statement  is not an endorsement of this program or its sponsor. Designated sessions are found in the Bank Marketing track.

GSB Special Offer & Cancellation Policy

Graduate School of Banking $250 Special Offer

The Graduate School of Banking at the University of Wisconsin-Madison is a proud sponsor of The ONE. Individuals who attend the conference receives a $250 rebate off the registration fee when they also attend the next available session of the Bank Technology Management School, Human Resource Management School, Sales and Marketing School, or Bank Technology Security School. For more information, contact GSB’s Kathy Berman

Cancellation Policy

Cancellations made prior to February 21 receive a 100% refund. Cancellations made after February 21 will not receive a refund. Substitutions are permissible.

Tracks & Concurrent Sessions

Bank Marketing

Time to ReBalance: A Realignment for Growth
Scott Florini, Vice President of Strategy, NewGround
John Mathes, Director of Retail Strategy, NewGround
 

There’s a new banking normal taking shape. The pandemic has accelerated trends already underway in financial services and retail delivery. As innovative thought leaders, we surveyed 1,200+ consumers across the nation to get their attitudes on using branches in today’s world and captured their feelings on using them in the future. Teaming up with Goldman Consulting & Strategy, a highly respected and independent financial services research firm, we have uncovered fascinating data through our New Branching Normal Survey. As a result, we have reached the tipping point which has radically altered consumer and employee behaviors forever. Organizations must realign their retail and corporate workplace strategies to replace ones that are now obsolete or irrelevant. This reset process begins by realigning your leadership team around your new vision of the pathway forward. Learn more about our research findings in our exclusive ReBalance 2020 presentation to learn how to optimize your delivery channels, tweak your branch design, and propel your organization forward to unprecedented success.  

Traditional Banking Structures in the Digital Age
Dann Nelson, Senior Vice President of Consulting Services, Haberfeld 

The branch is dead . . . or is it? Covid-19 moved many consumers toward expanded use of your digital banking channels; however, did it change everything indefinitely? In a world of Fintechs, the data still shows the vast majority, more than 91%, of customer or member growth for community financial institutions is still coming through your branch channels. Your digital banking channels are important, but it is imperative we don’t neglect the value created by your branch teams. Join us as we explore strategies to grow your online and branch channels for long-term viability such as: understanding the impact COVID-19 has had on consumer behaviors, identifying methods to increase usage of your digital products, and reviewing specific action items to enhance your branch channels and grow team members. At the conclusion of this session, participants should be able to understand how consumer behaviors have changed and methods to increase usage of your digital products.

Don't Worry, Be Social
Sid Haas, Vice President of Business Development, LKCS 

Social media can be incredibly powerful and when used effectively will increase awareness of your brand and improve your bottom line. But reputational risk and constant change scare many banks from making the most of the opportunity. This session will highlight the latest trends in social media, provide actionable tips and tricks, and present the best practices in social media marketing.

Engagement Banking: Bridging the Gap Between Human and Digital
Jacqueline Hickman, Director of Digital Strategy Americas, Backbase
Will Bogan, Engagement Banking Consultant, Backbase
 

With a winning digital strategy, financial institutions can drive acquisition and growth. From leveraging platform technology partners and marketing campaigns to empowering your employees and driving customer obsession, where do you start? In this session, you’ll learn how to break free and define your digital strategy to set your bank apart from the rest while increasing share of wallet. Turn your customers into fans through exceptional CX in-person and behind the glass. 

Strategic Loan Growth During the Pandemic and Beyond
Robert Koehler, EVP - Project Management, Strategic Resource Management
Tim Keith, Chief Strategist, Account Growth, Strategic Resource Management
 

With a historic influx of federal stimulus (and more on the way), many banks are looking to deploy excess liquidity into earning assets. The question quickly becomes ‘How do I grow loans profitably during a pandemic when unemployment is elevated and margins are compressed?’ This session will answer that question with tangible, actionable data. Key insights will include: Industry normative data on portfolio shifts in 2020, data elements that are proven to predict Capacity to borrow in a variety of economic conditions, how to leverage propensity to buy to grow without offering below market loan rates, a roadmap for putting data into action to grow loans using digital marketing strategies, and case studies of institutions who are already succeeding in this endeavor.

Human Resources

HR Review: Understanding the Essential Functions of Human Resources
Julia Johnson, Director of Organizational Performance, Wipfli LLP 

A human resource review is an opportunity for a bank to conduct an in-depth analysis of current human resource practices. The review will help answer the question, "Are your human resources practices helping, hindering, or having little impact on what your bank is trying to accomplish?" An effective human resources management function serves as an integral business partner and assists in the management of the bank’s most important asset—its people. In this session, we will present and discuss a systematic approach to evaluating the strengths and weaknesses of key human resources functions. 

2021 HR Survival Update
Michael Gifford, Attorney and Counselor, Howard & Howard
Emily Bennett, Litigator and Counselor, Howard & Howard

HR Survival in 2021 will be focused on managing your exposure and reaction to the effects of COVID-19, as well as developments in employment law that may have slipped through the cracks during these unprecedented times. We will address the current status of employer obligations related to employee leave and COVID-19 concerns, the COVID-19 impact on FMLA, ADA, workers' compensation, attendance, and leave policies, and other issues. We'll help you keep your COVID-19 problems under control.

Luckily, 2021 does not present the number of new employment laws and requirements of prior years, but we'll talk about what is new for this year and help you make sure you have the tools to satisfy your evolving obligations to employees.  

The Year of the Pandemic
Allison Powers, Partner, Barack Ferrazzano Kirschbaum & Nagelberg LLP 

March 2020 to March 2021. If the pandemic had dramatically affected our lives and businesses for a month or two when all this began, there would have been fewer lessons learned for the work from home phenomena. But it has lasted a year, and as of this writing in late 2020, it is not clear what the path forward will look like as vaccines become available. We will discuss the lessons learned during the year, what return to everyone back in the nonvirtual office requires, and what continued risks and challenges exist for remote workers and workplaces.  

Working the “9-to-5”? A Thing of the Past
Tom Blackwell, Director Banking, Angott Search Group 

The reality of work is much different than it was in 2020. Our presentation will discuss identified several significant trends that are already having an impact, or that are poised to become increasingly relevant and what you can do to prepare. 

Productivity? We will talk about the long-term effects of remote work. Remote work is inevitable in today’s world, but how will affect your employee culture and overall business productivity. We will also discuss how to retain and attract employees in this new Zoom era. As face-to-face interviews dissipate, we discuss how do you effectively conduct a virtual interview. Remote people can feel isolated and out of touch with the company culture and values. We will share proactive steps that not only prevent that from happening, but also strengthen and enhance your employees’ alignment with your culture and values.  

Compensation Trends in Community Banking
Robert Flowers, Partner, Stinson LLP 

This session focuses on a variety of compensation trends we are seeing in community banking, such as equity-based compensation, incentive-based compensation, stock options, and golden handcuff payments. The conversation will be geared toward addressing questions that C-suite executives regularly encounter on these issues. 

Leadership Development

Creating a Highly Skilled Team: Turn Your Team Meetings Into Meaningful Coaching Sessions
Joe Micallef, President, Sales Strategist and Coach, Grow UP Sales and BankTalentHQ Coach 

The easiest way to grow your bank is through better customer conversations yet we provide little regular coaching on how to effectively engage customers and explore their needs. As bank leaders, it is important that we continue to develop the skills, behaviors and beliefs of our staff. Stop wasting time on unproductive team meetings and start facilitating meaningful best practice discussions. During this presentation Joe Micallef will outline a simple coaching agenda that any Leader can implement to make your Team meetings more engaging, enlightening and energizing.

Stuck Happens!
Steve Thomas

Most people, teams and organizations have a vision or a goal of something they would like to accomplish. But, from time to time, we can get “stuck” in almost every area of our lives. In this session, we’ll discuss the six cycles that all people, teams and organizations go through, one of them being “stuck,” and how to recognize and navigate that space. We will chat about ways to navigate through “stuck” by taking the right steps for you and your organization. You'll leave with a greater understanding of the principles and best practices that effective leaders and organizations use, leading to an enhanced level of influence, more fulfillment and satisfaction, and lower stress levels.  

Building Staff Confidence That Will Elevate Your Bank To New Heights
Joe Micallef, President, Sales Strategist and Coach, Grow UP Sales and BankTalentHQ Coach

Many community bankers regularly grieve over the challenges they face when trying to “compete” with major national providers. But there is no reason why you can’t be the major player in your local market. Confidence is the magic ingredient in any selling or service situation and in this presentation you will discover the core drivers of confidence and strategies for taking control of each driver. Joe Micallef will demonstrate how to help your staff overcome any limiting beliefs that you are simply a "minor league player" and leverage your unique strengths to act like you are the best player in your field. By identifying and challenging the beliefs that limit excellence, you can build far greater confidence that produces better sales and service results far more easily.  

Grooming Your Next Set of Leaders

A distinguished panel of industry leaders will focus on how they educate and groom future leaders for their respective banks. Gain insights into the thought process of how their financial institutions have made talent management priority number one and how their banks are reshaping themselves and structuring their businesses to adapt to the new normal and a fast-changing next normal.


Moderator:
Randy Hultgren, President & CEO, Illinois Bankers Association

 

Panelists:
Michelle Gross, Executive Vice President/Chief Operating Officer and ISO, State Bank of Bement

Andrew Butts, Assistant Vice President, Bank of Belleville

Courtney Olson, Senior Vice President / Managing Director, Business Banking First Bank of Highland Park 

We Have to Talk…
Donna Flynn, Founder, SkillsMastery Group, Inc, BankTalentHQ Coach

We’ve all been there. The conversation needs to happen, but it’s not easy. For that reason, we might avoid, beat around the bush, sugarcoat, or employ some other strategy in an attempt to manage the outcome. But sure enough, the outcome is what we feared: difficult, uncomfortable, unclear and messy. The good news is we have strategies to help communicate clearly, straightforward and directly. 

Lending

Competitive Positioning in a Post COVID World
Tom Stamborski, President, Liquid Capital of Illinois 

The impact of COVID19 is far reaching for bank customers, both current and prospective. While the level of severity is still being assessed, banks and their lenders need to plan for the evolving post COVID scenario that will present challenges and opportunities. Competitively positioning the bank to capture market share, while retaining current customer relationships, will be an imperative. In this presentation, we

will discuss various scenarios business owners will face as they move through this crisis and how, through innovation, diversified financing choices and a proactive dialogue, the bank and its lenders can distinguish themselves in attracting and retaining customers. 

Build a Better Pipeline – Gain More Qualified Customers, More Easily
Joe Micallef, President, Sales Strategist and Coach, Grow UP Sales and BankTalentHQ Coach 

Each year bankers are faced with the challenging task of filling their sales pipeline with opportunities that they hope to convert into new business throughout the ensuing months. The task is less daunting however if they adopt a targeted approach to lead identification and develop credible reasons for persuading prospects to meet. Compelling meetings will then ensure the banker can progress the prospect more effectively and efficiently through their pipeline.  

Strategic Loan Stress Testing During a Challenging Credit Cycle
Steven Schick, CPA, CGMA, Partner, Financial Services Practice, Plante Moran
Tom Siska, Senior Audit Manager, Plante Moran
John Spear, Senior Manager, Risk Management, Plante Moran
 

You’ve likely had a regulator ask about it. Perhaps even an auditor or your Board. Loan stress testing can take on many shapes and sizes and the phases means different things to different people. During the post-Great Recession economic expansion, many banks ignored portfolio stress testing or treated it as a compliance exercise to please regulators. Then COVID and its economic disruptions hit and quickly brought this concept into prominent light. Join us as we discuss successful loan and portfolio level stress testing strategic and tactics and explore how the resulting information can best be used to help manage portfolio risk during uncertain times. 

SBA 504 Lending: The Key to Building Better Business Banking Relationships in 2021
Manuel Flores, President & CEO, SomerCor 

Small business owners have go-to advisors to support their operations - their accountant, lawyer, and, you, their business banker. With economic recovery on the horizon, now is a great opportunity to create and enhance business client relationships through the historically low interest rates and borrower-friendly terms of the SBA 504 program. This presentation lays out the 504’s successful track record in the market, why the program is a great tool for building client relationships in FY21, and marketing guidance to empower you to offer the 504 as part of a full range of financing options.  

Developing a Strategy Around SBA Lending
J. M. Chuck Evans, Executive Vice President, Windsor Advantage 

SBA Lending can be an effective tool in providing small business with better access to capital and lenders are signing up to provide these programs at record levels since PPP There is also speculation that a 90% guaranty is scheduled for 2021.There are however, barriers to entry that make this jump a little uneasy for new lenders to enter this type specialized lending. The shortage of specialized SBA staff, ever changing SBA Standard Operating Procedures and the fear of losing the guaranty cause some lenders to reconsider. Please join us to learn how to develop a strategy around SBA lending to providing small business customers with better access to capital and still mitigate the risk. We will discuss the plan, the people and the process to ensure success.  

Covid-19 and Credit Grading
Jim Gibson, Senior Examiner/Credit Risk Coordinator, The Federal Reserve Bank of St. Louis 

The effects of Covid-19 pandemic on credit quality have been significant. Although banks and regulators continue to study the effects of the pandemic, other consequences remain unclear or potentially hidden. As noted in the March 9, 2020 joint regulator statement, financial institutions are encouraged to work with their borrowers with efforts that are consistent with safe and sound lending practices, including the complex task of accurately risk-rating loans. Join us as we outline the pandemic’s ongoing impacts on credit quality and provide insights into how regulators are approaching loan reviews on examinations.

Retail Banking

Growth Starts Within: Increase Talent Retention, Coach & Engage Your Front Line
Rachelle Humiston, Executive Consultant & Director, Cultivate™ 

Successful financial institutions must develop and maintain high-performing branches. High-performing branches must attract, coach, and retain talented and engaged team members. Skilled branch managers must provide the leadership to drive superb performance and achieve growth goals. This interactive session will provide strategies to help your bank: attract, retain and coach top talent, boost engagement, and develop a consistently productive, high-performing team. At the conclusion of this session, participants should be able to understand how to attract, retain and coach top talent and develop a consistently productive, high-performing team.  

Increase Cross Selling and Relationship Building on the Front Line Using Lean Tools
Danielle Heidemann, Manager, Wipfli LLP 
Robert Zondag, Senior Manager, Wipfli LLP
 

In these current times, developing customer relationships is key to increasing bank product usage. In a digital era, learn how to maximize the value of any customer transaction. We will explore the "typical" process for opening a new account, including common challenges that can lead to bottlenecks and inefficiencies. Lean tools will be applied to the new account opening process to create a flowchart, identify waste, generate solutions, and create an action plan to streamline the process and integrate cross selling opportunities to maximize this valuable time with customers.  

Will You Be My Customer? Create Proposals That Guarantee Customers Will Say “Yes”
Joe Micallef, President, Sales Strategist and Coach, Grow UP Sales and BankTalentHQ Coach 

So much effort goes into gaining lifelong personal commitments with our potential spouse or life partner, yet in banking we apply so little effort to gaining lifelong financial commitments with our customers. Stop allowing your customer to build relationships with multiple financial partners. Take the time to intimately understand all their financial needs and provide a comprehensive proposal to become their exclusive (and preferred) financial partner. How compelling are your proposals and how confident are you that they will say “Yes” to only you?  

Building a Funding Plan
Darryl Mataya, Senior Advisor, Abrigo 

Managing deposits is sometimes the last task we take on in our ALCO process – until we run out. In this session we will describe a method for building a funding plan that can be efficiently implemented and monitored. We cover the essential funding risks you face, the kind of data you need to collect and monitor, how to measure the costs of your strategy, and ideas for dealing with common rate environment and market scenarios.  

The Community Bank Ecosystem – Post Pandemic Challenges & Opportunities
Jeff Rigsby, President & CEO, CB Resource Inc. 

This presentation will explore the post pandemic economic impact, the shaping of the new normal and the community bank ecosystem – disruption, change and opportunity. It will cover the community bank industry and ecosystem, post Covid-19 economic forecasts, emerging trends, traditional strategic alternatives, and disruptive strategic alternatives for banks to consider.

Risk / Financial Management

Improve Internal Controls and Decrease Risk with New Process Improvement Techniques
Danielle Heidemann, Manager, Wipfli LLP
Robert Zondag, Senior Manager, Wipfli LLP
 

Many industries are turning to the use of lean process improvement and agile planning methods. We will explore how the bank can decrease risk by using these methods to evaluate processes for internal controls, while also improving efficiencies and customer satisfaction. We will dive deeper into the relationship between risk and efficiency, compare the risk management process to lean efficiency modeling, and take a closer look at how common banking process waste leads to control deficiencies.  

Financial Management During a Rising Interest Rate Environment
Edward Meier, Vice President/Portfolio Manager, Heber Fuger Wendin Investment Advisors 

Banks have suffered the burden of this low interest rate environment for years. In many cases the attractive yields of longer maturities and lower credit quality investments have enticed many to add risk. However, planning now for the pivot to a rising interest rate environment even if it does not exist for a couple of years, can save poor performance in the future. Constructing a balanced portfolio with diverse investment sectors and coupon payments can help the stabilize bank earnings for the long run. This presentation will help you plant the apple tree sapling now which will bare valuable fruit later. 

Implications of the New Control Rules
Joseph Silvia, Partner, Howard & Howard 

After a long process to formally implement previously unwritten rules on “control,” the Federal Reserve's final rule on control and divestiture proceedings became effective. These rules on control are critical to determine when a company has the ability to exercise a controlling influence over another company for purposes of the Bank Holding Company Act and Regulation Y. The final rules codify unwritten Federal Reserve precedent on control by providing a new and transparent framework for determining control and, more importantly, controlling influence. This presentation walks through the practical implications of the revisions to examine how they will impact bank M&A, capital raising, internal and external share transfers and bank investments. Objective: To understand the framework for “control” and how it impacts bank growth and activities.  

Asset Liability and Liquidity Risk Management in the Time of COVID-19
Nick Hahn, Partner, RSM US LLP 

The low for long interest rate environment has challenged the balance sheets and profitability of many community banks. The onset of COVID-19 and corresponding market disruption have further complicated these asset liability and liquidity risk management activities. Now more than ever it is imperative that asset liability managers and their ALCOs leverage leading asset liability and liquidity risk management techniques to drive meaningful tactical and strategic discussions at their banks. Creating well informed and transparent scenario modeling and stress analyses will help to drive these discussions, while satisfying regulatory expectations. This session will share common asset liability and liquidity risk management lessons learned during the COVID-19 pandemic, and present suggestions for improving robustness and transparency of these activities, in order to drive strategy.  

Audit & COVID-19: A New Normal for CFOs
Kraig Ritter, Partner, BKD, LLP
Bob Swartz, Partner, BKD, LLP
 

CFOs continued to be challenged during these unprecedented times of COVID-19 as economic fallout spreads and forces banks to pivot their operations. As CFOs seek to manage the changes to revenue as well as customer expectations, internal controls and audit have become even more important. This session will gain insights as to what CFOs have learned, emerging trends of interest to financial decision makers and how to position your bank for post-pandemic performance assessments in our new normal. We’ll also talk about the importance of communication of emerging trends while working effectively with risk, compliance, the Board of Directors and audit committees.

Technology and Operations

Living on the Edge of Payments
Michele Barlow, AAP, NCP, Vice President, Macha - Everything Payments, Everywhere 

Long gone are the days when a consumer’s choice of payment was only cash, check or credit/debit card. For many financial institution customers their top three are PayPal, Venmo and crypto. Many financial institutions have started participation in person-to-person payment rails like Zelle. This session explores what community banks should look for when exploring new payment offerings and partnerships, what to look for when banking with these types of companies, and what is on the horizon in this space, such as work on faster payment rails in the U.S and the Federal Reserve Bank’s upcoming FedNowSM solution.  

Redefining the Banking Digital Experience to Attract Younger Customers
Nick Moore, Manager, Crowe LLP 

Based on results from a survey of 88 Gen Z college students we have analyzed trends in the decision making and selection of financial institutions for younger customers. This presentation will help banks determine areas of focus for redesigning digital, determine best product fits, and drive customer engagement to better attract younger customers, while also providing a better experience for all bank customers.  

“Defining Moments” – Resilience and Recovery During a Business Disaster
Ben LeClaire, Senior Manager, Cybersecurity, Plante Moran 

You’ve aced all your IT audits and regulatory reviews; you continue to knock those table-top exercises out of the park; you think you’re prepared for anything... Are you? In this presentation we will revisit some of the most important elements of business continuity, disaster recovery, backup & recovery, and incident response planning. We will discuss the weaknesses we’ve seen at many institutions and will present industry best practices along with ways to strengthen your ability to manage business continuance during an unexpected disaster or major security event. This refresher will help you think more globally about continuity management and provide you the inspiration and innovation to make your Bank more resilient in the future.  

How to Respond When a Vendor Gets Hacked
Nick Podhradsky, EVP, SBS CyberSecurity 

We live in a world where nearly every business function can be outsourced to a cloud provider, but you can’t outsource the risk. Proactive vendor management is essential in enabling organizations to make better business decisions about the partners they choose. Unfortunately, as you see in the news, breaches happen every day. A good Incident Response Plan prepares your organization in the event of a vendor breach. Get tips to respond if a vendor is compromised and learn how identifying and understanding cybersecurity risk gives your organization a competitive advantage in a digital world.  

Survive and Thrive with AI: Practical Use Cases
Sultan Meghji, Co-founder, Neocova
Lindsay Lockhart, Co-founder, Neocova 

Learn how your bank can meet customers’ rising expectations and beat competitive threats with AI technologies in today's ever evolving world.