Saltmarsh BankTalk 2023 

Join us for our 18th annual training and networking event for community bankers!

WEDNESDAY, AUG. 23 – KICKOFF HAPPY HOUR (5:00 pm - til)
Join us for a happy hour to kickoff the event! You will get a chance to mingle with speakers and attendees over cocktails, hors d'oeuvres and lively conversation.

THURSDAY, AUG. 24 – COMPLIANCE & TECHNOLOGY FUNNEL (8:30 am - 4:30 pm)
CE Credits: 7.5 CRCM, 3.75 CERP, 3.75 CAFP & 4.5 Technical Business CPE
This Funnel positions you to meet today’s challenging environments in cybersecurity, fraud and regulatory change, and highlights opportunities that technology, such as artificial intelligence and a secure remote workforce, can provide. Breakfast and lunch provided.

8:30 - 9:30 am
Fraudsters & Launderers: Common Behaviors, Questions & Reporting
Jonathan Turner, CFE VP Compliance, Privacy & Governance / ZOLL Medical Corporation • Fraud and related financial crimes continue to grow through the roof.  In this session, Jonathan Turner (our best anti-fraud friend and always-requested speaker) will take us on a journey into the world of fraudsters and money launderers. We will explore and understand their common behaviors and tactics and gain confidence to look at the right things, ask the right questions, and detect potential threats. 

9:45 - 10:45 am
Banks & Cyber Risk: An Evolving Exposure
Justin Corey, SVB, Head of Business Development / NFP • Dive into the current cyber insurance market with Justin Corey, from NFP’s Financial Institutions Group, and see how it has changed over the last year. Justin will explain the coverages of the 3 “must have” policies and walk us through the anatomy of a typical bank cyber claim – where you may find coverage is based on the method of loss. In this comprehensive session, Justin will also cover controls and procedures that will save you money, and other best practices to avoid potential cyber claims in the first place. 

Third-Party Relationships & Risk Management: New Interagency Final Guidance
Michael Maricelli, CIA, AAP, Senior Consultant / Saltmarsh • On June 6, 2023, the FDIC and other agencies issued the final Guidance on Third-Party Relationships: Risk Management (TRPM), which replaces each agency’s existing general TRPM guidance and is intended to promote consistency in the agencies’ supervisory approaches toward TPRM. In this session, your Saltmarsh consultants will break down the guidance, discuss best practices, and help you identify areas in your TRPM program that may need your attention.

1:00 - 2:00 pm
Section 1071/Fair Lending Panel
Lucy Cruz, Senior Consultant, Rebecca Hughes, CRCM, Senior Consultant &  Kristen Stogniew, Esq., CFE, Shareholder / Saltmarsh • Ask any lending compliance officer what keeps them up at night lately, and their reply will probably have something to do with Fair Lending. A panel from Saltmarsh’s “Beam Team” will discuss best practices for passing your Fair lending reviews and exams, as well as major areas of concern under the final Small Business Lending Rule (SBL) under Dodd Frank Act, Section 1071.  

2:15 - 3:15 pm
Washington Update – Politics, Lawsuits, and Regulators
Andrea Mitchell, Managing Partner / Mitchell Sandler LLC • In this session, we will delve into the ever-evolving landscape of regulatory policies, legal challenges, and compliance issues that directly impact the banking industry. This session will discuss key topics and emerging trends, shedding light on recent regulatory updates, significant legal cases, and compliance challenges specific to the banking sector. Our expert speaker, well-versed in banking compliance and regulatory affairs, will provide you with valuable insights into the political, legal, and regulatory factors that shape the banking industry and influence compliance strategies. She will provide analysis and interpretation of these developments, helping you understand their impact on your institution and enabling you to navigate the regulatory landscape effectively.

3:30 - 4:30 pm
Artificial Intelligence: Buzzword or Essential Bank Strategy? 
Virginia Heyburn, Director of Research, Insights & Advocacy / Engage fi • Artificial intelligence is the hottest trend in the technology world today and banks of all sizes are planning for an AI-driven future. While it is clear that banks that are proficient in AI and weave it into their offerings will perform better than those that don’t, they will also need to identify and manage attendant risks associated with this emerging technology. The immediate promise of AI lies in dramatically improving customer service, giving banks greater ability to help customers make better financial choices, manage their debt, and reach their life goals. In this session, we will discuss how banks can use AI to benefit their operations and their customers in a way that mitigates new technology risks. 

THURSDAY, AUG. 24 – GROUP DINNER & SOCIAL (6:30 pm - til)
Join fellow attendees, Saltmarshians and other sponsoring vendors who are passionate about serving the industry for a group dinner near the hotel!

FRIDAY, AUG. 25 – EXECUTIVE FORUM (8:30 am - 2:00 pm)
CE Credits: 5.25 CERP, 1.25 CRCM & 4 Technical Business CPE
Mindful of your precious time, this Forum is crafted with a condensed agenda to cover economic trends, accounting issues and opportunities in non-traditional banking strategies. Senseless Panic in paperback, breakfast and lunch provided. 

8:30 - 10:00 am
Economic and M&A Update
Chris Choate, Managing Director Investment Banking & Brian Nestor, Managing Director Investment Banking / Raymond James Financial, Inc. • The swift and pronounced shift in the rate cycle has impacted both day-to-day balance sheet management and strategic objectives related to capital growth and M&A. Raymond James ALM and Investment Banking experts will highlight the challenges many banks are facing and provide thoughts on navigating the turbulent rate environment.

10:15 - 11:15 am
Using Peer Data to Set Your Strategic Priorities
Andy Grinstead, EVP of Strategy & Sales / FI Navigator • You know how important digital transformation is as a community bank. The questions everyone is asking are: How am I doing? How do I stack up against my peers? What is the next critical priority for our bank? How do I justify and pay for it? This session will walk you through the eight critical steps you need to take to answer these questions and rapidly advance the ROI of your technology investment.

11:30 - 12:00 pm
Accounting Update: Interest Rate Risk, Liquidity, CECL 
Josh Strickland, CPA, Shareholder & Paul Allen, CPA, Shareholder / Saltmarsh • During this session, we will delve into various accounting areas that are having a significant impact on banks and examine how banks are navigating these areas. We'll address the current interest rate environment, the composition shift observed on bank balance sheets, and their implications for liquidity management. We’ll also discuss the adoption of CECL in 2023 and its financial impact on banks.

1:00 - 2:00 pm
Banking Industry Q&A
William "Bill" Isaac / Former FDIC Chairman & Author of Senseless Panic • The existing system of banking regulatory oversight in the US was developed over a long history based on responses to specific historical banking crises and has resulted in a fractured, complicated system of multiple banking regulators at state and federal levels. This year’s banking crisis will undoubtedly lead to greater regulatory oversight and tougher stress-testing regulations from regulators, and banks should prepare accordingly. Speaking from over 50 years of banking experience, former FDIC Chairman Bill Isaac will answer questions about the financial services industry – past, present, and future.

REGISTRATION INFORMATION
Fees are for refreshments and meals during the sessions. We will provide session materials electronically prior to and after the event. Deadline to register is August 17! 

• $250 Regular Registration (fee covers entire event)
• $150 Single Day Registration available for August 24 or August 25. Use promo code 1DAYBT2023
• Group dinner on August 24 is provided by the sponsoring vendors and is available to single or entire event registrants.