Conferences & Education

Annual Directors Conference
and Pre-Conference Workshop 

Interest Rate Risk  |  Cybersecurity  |  Enterprise Risk Management

November 6-8, 2014
The Westin St. Francis, San Francisco


Speaker Biographies  |  Conference Exhibitors and Sponsors

Welcome to the 2014 WIB Annual Directors Conference and Pre-Conference Workshop

Interest Rate Risk (IRR), Cybersecurity and Enterprise Risk Management (ERM) are critical issues facing today’s bank director. The Western Independent Bankers 2014 Directors Conference will focus on these subjects with industry leading professionals who will offer practical approaches for members of the board to tackle these challenges. This year’s conference promises to provide you with cutting-edge preparation for the issues and challenges facing bank directors today.

Returning in 2014, our popular peer group exchange format will allow you to gain an overview of how these three key topics are affecting the banking industry today, helping you develop a clear action plan to implement at your bank.

Board Governance: Current Strategic Trends

Top of the Board Agenda: Cybersecurity and IT Security Director’s Role in Enterprise Risk Management: Developing a Roadmap Interest Rate Risk: What Directors Need to Know
  • What and where are the risks?

  • Board’s role in understanding controllable vs. non-controllable risk

  • How security issues intersect with Risk Management and Vendor Management

  • Opportunities in IT for better internal systems and stronger security

  • Board action plan

  • Board's role in assessing risk appetite, developing risk statement, and connecting statement to management actions

  • ERM oversight, including measurement and assessment

  • Best practices for developing a clear and actionable roadmap and risk management culture

  • Evaluating new products and markets

  • Board action plan


  • Current modeling, framework, and theories to measure and show interest rate risk for a community bank

  • Potential near-term and long-term earnings consequences to managing interest rate risk

  • What you need to ask management about the institution’s interest rate risk quantification

  • Issues that regulators will likely challenge you about – after the fact

  • Understanding future “hot buttons” today to avoid regulatory “hot water” in the future

  • Board action plan

Maximizing Shareholder Value


As of 7/23/14

Thursday, November 6, 2014

8:00-11:45 am

Optional Pre-Conference Workshop (with continental breakfast)
Board Governance – Current Strategic Trends
Jeff Gerrish, Chairman, Gerrish McCreary Smith Consultants, LLC
Tim R. Chrisman, CEO, Chrisman & Company

Board governance and the role of the community bank director has become more complex and challenging. In this workshop, we will discuss the key governance and strategic issues facing boards today: measuring board performance, adding the right skill set to the board, board compensation, board and management succession planning and ensuring shareholder value.

Noon-1:30 pm

Opening General Session & Lunch
Chairman’s Welcome
Lou Cosso, Director, Tri-Valley Bank 

Bank Director Watch
Richard Melville, Group Editorial Director, American Banker
Hear thought-provoking intel and insight into what bankers are thinking about the industry environment with data collected from American Banker’s monthly Index of Banking Activity. You will leave with the information you need for a better grasp of the challenges and opportunities ahead, and an expert perspective on issues that directors should watch for in the near future.

1:30-2:15 pm

Dessert Break with Exhibitors in Expo

2:15-3:30 pm

Top of the Board Agenda: Cybersecurity and IT Security – Part 1
Tom Schauer, CEO and Chief Client Experience Officer, TrustCC
In the first discussion of our three major conference topics, we will explore the what, where and how of the National Cybersecurity Initiative and its impact on banking exams and bank directors. Learn how banks are clearly susceptible to attacks including hacking, account takeovers and DDoS. We will also learn where directors should focus their oversight and how security issues intersect with enterprise risk management and vendor management.

3:30-3:45 pm

Refreshment Break with Table Top Exhibitors

3:45-4:45 pm

Top of the Board Agenda: Cybersecurity and IT Security – Part 2
Tom Schauer, CEO and Chief Client Experience Officer, TrustCC
In the second half of our discussion on cybersecurity, we will focus on the future and explore strategic opportunities within your current technology framework to help build better internal systems and stronger security. Learn how community bankers like yourselves are leveraging technology to protect and build for the future. We will conclude the session with an exercise in building a Directors Guidebook for you to use for your next IT exam.

5:00-6:30 pm

Welcome Reception with Tabletop Exhibitors

Friday, November 7, 2014

7:00-8:00 am

Networking Breakfast

8:00-9:15 am

Director’s Role in Enterprise Risk Management – Part 1
Dr. Scott MacDonald, President and CEO, Southern Methodist University, Southwest Graduate School of Banking
What is the role of the director in enterprise risk management and how do you explain it in layman’s terms? In Part 1, Dr. MacDonald will outline a clearly defined and easy-to-use roadmap that will help to align your risk appetite and strategy, define your bank’s ERM culture and develop a risk appetite statement that management and the board can use as a guideline to clearly define the board’s role in enterprise risk management.

9:30-10:45 am

Director’s Role in Enterprise Risk Management – Part 2
Dr. Scott MacDonald, President and CEO, Southern Methodist University, Southwest Graduate School of Banking
In this session we will put what we learned into action. You will join a mock board session where you will be presented with various current risk scenarios to explore in a peer group setting. Leave this session with a collection of best practices your directors can use in assessing risk in your banks.

11:00 am-noon

Director Peer Exchange Sessions
Discuss what keeps you awake at night as a bank director and come away with ideas you can implement at your own bank.

Noon-1:30 pm

Lunch with Speaker
Looking Ahead – Economic and Interest Rate Forecast
Steve Happel, Ph.D., Professor Emeritus, Arizona State University
Dr. Happel is a nationally recognized speaker on the current outlook for the U.S. and individual states’ economies, key demographic trends affecting financial institutions, Federal Reserve policy and current tax/spending proposals. Known for his clear and factual presentations that incorporate lighthearted humor, he will present a macro-economic outlook focused on community banking issues, and share his blue-chip interest rate forecast with you.

1:45-3:00 pm

Interest Rate Risk – Part 1 
Rich Berg, CEO, Performance Trust Capital Partners
How is your bank managing the ever-changing rate environment and what are the potential earnings consequences – both now and in the future? What is the board’s role in interest rate risk management, and what do you need to know? We will explore IRR from a macro level, and provide easy-to-understand tools that you can use in the board room.

3:15-4:30 pm

Interest Rate Risk – Part 2 
Rich Berg, CEO, Performance Trust Capital Partners
Walk through the Regulatory Exit Interview. What will the regulators likely challenge you, as directors, about your interest rate risk after your exam? What future “hot buttons” do you need to understand today to avoid regulatory “hot water” in the future? In a group exercise we will develop a board action plan that will help you describe your bank’s interest rate risk  policies and the accounting and economic models you use to determine your risk profile.

5:00-6:30 pm

Networking Reception

Saturday, November 8, 2014

7:00-8:00 am

Networking Breakfast

8:00-9:30 am

Facilitated Peer Exchange Session:  Maximizing Shareholder Value
The definition of maximizing shareholder value is the ability to grow earnings, dividends and share price. In other words, shareholder value is the sum of all strategic decisions that affect your bank’s ability to efficiently increase the amount of free cash flow over time. In this facilitated peer session, we will explore the board’s role and best practices for success within your bank.

9:45-11:00 am

Wrap Up General Session
Hot Off the Press - Impact of 2014 Elections on Community Banking
Doyle Bartlett, Co-founder, Eris Group
Bartlett, a banking and financial institutions political expert, will provide an “inside the Beltway” analysis of the 2014 election results and their impact on community banking.

11:00 am

Conference Adjourns

Who Should Attend

  • Chairmen
  • Directors
  • Presidents & CEOs
  • Senior Officers
  • Advisors
  • Counsel
  • Consultants
  • Corporate Secretaries

Pre-conference Workshop (additional fee)

Board Governance – Current Strategic Trends
Thursday, November 6  |  8:00-11:45 am  |  Includes continental breakfast

Join this timely preconference workshop to learn how the role of the community bank board director is evolving. Topics include measuring board performance, adding new board members with the right skill set, board compensation, management succession planning and tips on maximizing shareholder value.

Registration Information

Registration Fees 

Bank Member: $995
Nonmember Bank: $1,245
Associate Member: $1,145

Registration includes all conference meals/breaks, receptions, events and sessions unless otherwise noted as an optional event where additional fee is required.

Optional Pre-conference Workshop

Special pricing for Conference registrants: $85

Optional Guest Registration

Guest Registration: $250
Includes Thursday Opening Session & Lunch, Thursday Welcome Reception, Friday Breakfast, Friday Networking Lunch, Friday Networking Reception and Saturday Breakfast

Additional a la Carte Ticket Pricing
Thursday Opening Session & Lunch Tickets: $65 each
Thursday Welcome Reception Tickets: $50 each
Friday Networking Reception Tickets: $50 each
One of each ticket is included with each full Conference Registration and Guest Registration.

Cancellation Policy
Registration fees minus $75 processing fee per registrant will be refunded if cancellation is received by October 23, 2014. No refund if cancellation is received after October 23, 2014. Substitutions welcomed. WIB is not responsible for airfare penalties incurred due to the cancellation of this program.

WIB Guarantee
If you are not completely satisfied with this program, contact us within 10 days of the conference and we will refund your registration fee.

Hotel & Travel

The Westin St. Francis
335 Powell Street
San Francisco, CA 94102

Located in the heart of San Francisco on Union Square, The Westin St. Francis has been a celebrated destination since 1904. The historic Magneta Grandfather Clock located in the landmark lobby has been a popular gathering spot for generations of travelers. White marble columns, ornate balconies and intricate woodwork transport guests back to the elegance of yesteryear. Discover the allure of the city’s most charismatic and vital setting offering the grandeur of the past, coupled with contemporary luxury and style.

Main Phone: (415) 397-7000
(800) WESTIN1 (937-8461) 

Hotel Room Rate
$219 Single/Double
Room rates are valid from November 4-10, 2014. Hotel tax is 16.08%.
Cancellations received less than 72 hours prior to arrival will be charged one night.

Reservation Deadline
Contact the hotel by October 6, 2014 and mention Western Independent Bankers to obtain the conference rate.

Airfare Discounts

United Airlines: – Offer Code: ZT3T249073
Southwest Airlines: – Company: 99573246

Rental Car Discounts
AVIS (800) 331-1600,, AWD number J990669
Hertz (800) 654-2240,, convention code 04DT0007
Thrifty 1-800-THRIFTY (847-4389),, CD# 004C007855

Conference Advisory Committee

Louis Cosso, Tri-Valley Bank, CA

Francis J. Scully, III, Financial Guaranty Insurance Brokers, Inc.

Howard B. Levenson, Vibra Bank, CA

James Lokey, Mission Community Bank, CA

William McClintock, New Resource Bank, CA

Paul Gunther, People's Utah Bancorp, UT

James R. Mitchell, Jr., Puget Sound Bank, WA

James Woolwine, Presidio Bank, CA

Janice Zappa, Santa Cruz County Bank, CA

Enrique Schon, Vibra Bank, CA

Joel Slonski, CPA, Fresno First Bank, CA

Allan Hemphill, Summit State Bank, CA

Kimiharu Chatani, Far East National Bank, CA