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	Annual CFO, Investments and Operational Risk Conference June 1-4, 2008 Hyatt Grand Champions Resort & Spa Indian Wells, Calif.
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Click on the links below (where available) to view and print speaker presentations  from the conference.

Program Information

Pre-Conference Workshop
Sunday, June 1 • 1:00-4:00 pm
Optional/Separate fee applies

How to Meet Your Funding & Capital Needs
John Hurlock, Risk Management Practice Mgr, Metavante Consulting
Jim Mirage, Partner, Everton Partners
John Ramuta, Executive Director, J.P. Morgan Securities, Inc.

Hurlock Presentation | Mirage Presentation | Ramuta Presentation

Growing and funding the bank and finding new sources of capital is challenging. Add in economic uncertainty and the challenging becomes almost daunting. If you’re charged with finding alternative ways to fund the bank and new sources of capital, then this workshop is a must attend! We’ll discuss the building blocks of the market and show you how you can use different funding strategies to meet your growth needs while closing out with a look at new sale-leasebacks may help meet your capital needs.

Opening General Sessions

Are You Leading…or Just Keeping Score?
Larry Helms, Western Training Systems

Effective bank leadership centers on the ability to communicate the bank’s goals, objectives and mission to others. This presentation focuses on the difference between good communication, bad communication and miscommunication, as well as the difference between the behavior of effective leaders and others who are less successful.

It Does Not Get More Exciting Than This!
John Mitchell, M&H Economic Consultants

Presentation

The national economy slid into the seventh year of the expansion amidst concern that a recession was imminent. The ongoing and spreading weakness from housing and almost daily bombshells from various corners of the financial markets along with $100 crude oil helped bring growth to a crawl. In June we will most likely know whether we tiptoed past a downturn or are in the second recession of the 21st century.  Monetary and fiscal policy levers have been pulled, and prospects for the rest of 2008 and 2009 will be covered.

General Session

Dialogue with the Regulators
Panelists:
Stuart Feldstein, Senior Examiner, California DFI
Dennis Ankenbrand, Senior Examination Specialist, FDIC
Kurt Raney, National Bank Examiner/Deputy Comptroller Analyst, OCC
Martha Carranza, Senior Examiner, SF-FRB
Moderator: 
Kevin Watson, President, AuditOne LLC

In this expanded general session, our moderated panel of senior bank examiners will discuss current hot topics and address issues they are seeing in their examinations. In addition, results of WIB’s recent regulatory survey will be addressed with the panel. All attendees to the conference will receive a free copy of the survey results.

Wrap-up General Session

Secrets of a Bank Hacker
Jim Stickley, Chief Technology Officer, TraceSecurity, Inc.

Presentation

Hired by banks and corporations to hack their systems, Stickley’s entertaining and informative look at the dangers banks face with security breaches will open your eyes to the need for diligence in your efforts to protect your banks assets, reputation and your customer’s information.

Concurrent Session Professional Focus Key C = CFO I = Investments R= Operational Risk

Concurrent Sessions

Emerging Tax Issues & Opportunities   [C, I]
David Thornton, Financial Institutions Tax Executive, Crowe Chizek and Company LLC

Presentation

Get an overview of federal tax developments that impact the financial services industry in terms that the non-tax-professional can understand. Topics include: TEFRA interest expense disallowance issues, taking maximum advantage of recent IRS-sanctioned tax accounting methods, an overview of new federal income tax legislation & IRS pronouncements impacting the banking industry and an update on emerging issues in the application of FIN 48, Accounting for Uncertainty in Income Taxes.

Capital Management Strategies in Today’s Environment  [C, I]
Aaron Axton, Vice President & Jim Penny, EVP, Keefe, Bruyette & Woods

Presentation

The cost of capital plays a significant role in determining a bank’s profitability. This session will focus on methods community banks can use to improve their balance sheets and the bank’s overall financial performance.

Trends in Fraud Activity – Protecting Your Bank from Current Schemes  [R]
Vira Jo Denney, Project Manager – LA Metro Region, Wells Fargo
Elizabeth Bass, SVP/Corporate Security, Bank of America  

Presentation

Big banks routinely experience new fraud schemes earlier in the cycle than independent banks. Our panel will discuss their experiences with the latest in fraud activities and will provide you insights and tools you can use to avoid becoming the next target.

Does Your Bank Pass the True Test Of High Performance?   [C]
Chris Bledsoe, CEO, Banker’s Dashboard

Presentation

How do you really measure up? We’ll focus on the key drivers that banks must monitor and manage to achieve and sustain high performance. Attendees will learn how their institutions rank in the four critical categories of profitability, growth, margin management and efficiency. You’ll hear real-world examples of how consistent focus on and improvement of these key performance drivers will impact your position.

What If Galileo Were Alive Today?   [C, I]
Rich Berg, CEO, Performance Trust Capital Partners, LLC

Presentation

Imagine 500 years ago what it was like when a brash man climbed up the Leaning Tower of Pisa and challenged a long held truth that a heavy object will drop faster than a lighter object. You know the rest of the story. Speaker Rich Berg will climb up a tower and challenge some widely held truths about asset liability, bank balance sheet management, and metrics used to measure bank performance.

Does Your Insurance Policy Really Cover What You Think It Does?  [C, R]
Pat Corey, President, Independent Bankers Insurance Services

Presentation

Having insurance is a necessary part of doing business today. Exclusions, addendums, riders, orders of payment, non-erosion – we’ve all heard the terms, but what do they really mean and more importantly – how do they impact your coverage? We’ll take the mystery out of insurance policies and address steps you can take to mitigate your risks and exposure in common policies like fidelity bonds, blanket insurance, property & casualty, cyber liability, debit card fraud, and more.

The New Guidance on ALLL  – What You Need to Know  [C]
Charlie Shannon, CPA, Partner, Moss Adams

Presentation

In December 2006, the federal banking regulators issued Interagency Guidance on ALLL, which contained a number of important clarifications, including the formal elimination of the benchmark rates for losses. This session will provide you with insights and explanations of expectations for the ALLL methodology and documentation requirements. Get your questions answered by an expert.

Using Structured Funding and Embedded Derivatives to Manage Interest Rate Risk  [C, I] 
Raymond Chandonnet, Principal, Sandler O’Neill & Partners, LP

Presentation

The last three years have seen explosive growth among banks of all sizes (particularly community banks) in the use of “embedded derivatives” to manage interest rate risk. This presentation will use a case study approach to demonstrate how structured funding with embedded caps, floors and other interest rate derivatives is being used to reduce interest rate risk and increase profitability of bank balance sheets across the country.

Emerging Issues for the Compliance Challenged  [C, R]
Janet M. Bonnefin, Esq., Aldrich & Bonnefin, P.L.C.

Presentation

The banking industry is seeing enormous “re-regulation” in many areas. We will provide you with a big picture overview of these developing areas, including Truth in Lending, Flood Insurance Regulations, Home Mortgage Disclosure Act, Community Reinvestment Act and Fair Lending. If you don’t feel “compliance savvy” please join us.

Interest Rate Risk – Lessons from the Past   [C, I]
Edward A. Krei, Director of A/L Strategies, The Baker Group

Given today’s volatile interest rate environment, what lessons can we learn from recent history to help us avoid mistakes in the future? We’ll discuss performance trends for independent banks using national and regional peer groups along with financial performance data for each attendee’s institution in addition to presenting strategies for different risk profiles to help banks understand their risks in order to improve and sustain their net interest margins.

How to Maximize Your Balance Sheet in Uncertain Times [C, I]
Will Taylor, SVP, Vining Sparks, PMG

Is your bank’s net interest margin under attack by falling loan rates and declining core deposits? This session will focus on the options available to community banks in the current steep yield curve. We will look at options to increase your bank’s ROE, and minimize IRR including providing you with e a customized IRR report on your bank, and updated policies covering the latest regulatory emphasis in A/L, liquidity management and investments.

ID Theft & Red Flags – How to Identify Policy & Develop the Right Procedures to Ensure Compliance with the New Regulations  [C, R]
Ann Brode, President, Brode Consulting Services, Inc.         

Presentation | Handouts

The ruling is final on Red Flag Guidelines…and the regulators have put the ball squarely in your court. Your bank must have a written policy as well as implementation procedures that will detect and mitigate the risk of identity theft. Compliance by November 1 is mandated. Handouts will be an actual sample policy that has been developed around the finalized guidelines. Get checklists and procedures for employees to follow – the working tools you will need and the ability to personalize the manual into a viable policy for your bank.

Peer Exchange Sessions

Learn From Your Own Peers
At our Peer Exchange Sessions you will be able to share ideas with non-competitor banks about how you’re doing business. Why reinvent the wheel? Learn from others who have already put best practices into place!

Expo

Representatives from among the best services providers for financial institution in the West will be on hand to showcase their products and services designed specifically for independent banks. On Monday, you will have an opportunity to visit with the exhibitors for the chance to win “Banker Bucks” that you can redeem at our Welcome Casino Party. Join us again on Tuesday afternoon for a reception where you might win cash prizes, followed by our exhibitor prize drawings. Don’t forget, winners must be present to win any prizes given in the Expo!

Expo Hours

Vendor Showcase Express 

Monday, June 2 - 10:15-11:00 am

Vendor Showcase Express – Eight vendors in two rooms! Selected vendors will highlight their products and services in 10-minute presentations. You will have the opportunity to get a quick introduction of those vendors that have caught your attention. 

Room 1

10:15-10:25 am

Managing Risk & Optimizing Efficiencies
Tim Schnell, President, Centrix Solutions, Inc.

Our presentation will outline how Centrix helps institutions manage risk and optimize efficiency by providing affordable technology that is tailored for community banks. Although we are a bank technology company, we have many “business solutions” such as on-line expense management and on-line absence management that are designed to make the workplace more efficient. Additionally, our risk related products include positive pay, BSA due diligence and secure email/file exchange.

10:27-10:37 am

Driving Profitability vs. Market Share – A Shift in Culture
Tim Brugger, EVP/Client Development Division, DMA

With the challenges community banks continue to face, particularly in the last 12-18 months, it has become more important than ever that finance play a critical role in driving a necessary shift in cultures. For much of the past 25 years community banks have had one, over-riding philosophy; sell anything to anyone that comes in the door. What do we measure? Balance sheet and deposit growth, response rates and sales numbers. It’s time our decision-making is driven by what impact our efforts have not only on the balance sheet, but on the critical aspect of driving the bottom line of the income statement.

10:39-10:49 am

Bank Card Protection for the Bank and Your Customers
Pat Corey, President, Independent Bankers Insurance Services

As a pre-cursor to our concurrent session at this conference, attend this session and learn first hand from the insurance expert some of the options available for debit & credit card fraud insurance. Our suite of products will enable you to provide your customers with peace of mind and will enable you to ensure adequate protection for your bank.

10:50-11:00 am

Managing & Funding Construction Loans in Today’s Environment
Joseph Patterson, CEO, ECL Software

Managing construction loans and minimizing their risks has always been a challenge. Now with Fund Control™ and Fund Control on the Web™ software solutions, it is simple and straightforward. You can administer and manage the entire budgeting, disbursement, and inspection process; and generate over 150 reports, forms and graphs. Track unlimited loan participants, “related borrowers”, and your own risk criteria. 

Room 2

10:15-10:25 am

How to Price Your Loans the Right Way
Mark Rayer, Sales Executive, ProfitStars, a Jack Henry Company

The key to loan pricing isn’t simply to charge more – It’s knowing how and when to charge more, as well as knowing when to charge less. Learn the practical approach for loan pricing in highly competitive markets.  

10:27-10:37 am

Dynamic Planning with BankGPS
Joseph Wheeler, VP-Consulting Services, Plansmith Corporation

Plansmith has combined experience and technology to create a dynamic planning process. BankGPS works like a navigation system using “satellites” to help position your bank. There is a Competitive Satellite showing insights on competitors, a Market Satellite providing market demographic data and a Strategy Satellite which merges both of these to assist in planning your correct strategy.

10:39-10:49 am

Who Are Your Real Competitors?
Dr. Dan Geller, EVP, Market Rate Insights

In this short session, you will learn the importance of identifying significant competitors - those that have the greatest impact on your balance. You will also find out how to predict the relative (to you) rate-move of your significant competitors, as well as the impact that such rate-move can have on your balance. This knowledge will help you price your products with greater precision and profitability.

10:50-11:00 am

Business As Usual in the Face of Disaster: Business Resumption Planning
Justin Trammell, Account Manager, Quest

Business resumption planning is an imperative in the board room, executive offices and risk management departments. Recent research from Gartner, Inc. indicates that most US organizations are not prepared for business interruptions that last longer than seven days and should develop, at minimum, a 30-day business continuity/disaster recovery plan, In fact, 1 in 5 organizations that suffer a major incident never recover and go out of business. Let Quest show you how business resumption planning including a Resumption Center for your operations and staff is within reach.

 

 

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