| “The information presented was beneficial and timely and the speakers were very well informed. I appreciated the wrap up of all of the latest regulatory changes and found a lot of solutions for problems that my credit union can use!” –Jeanette C. Smyth, Secretary of the Board, Goldenwest Federal Credit Union |
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| breakout sessions |
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| Program Agenda | Panel Discussions |
Finance/Marketing
Financial Planning For the Stages of Your Life
Every stage of life brings its own financial challenges and opportunities. For the baby boomer generation, those challenges come in the form of retirement readiness and tax reduction. This session will offer specific strategies and opportunities addressing these critical concerns. Spouse/guests are invited.
Presented by Michael Thompson, national sales director, Money Concepts
Credit Cards: Enhancing Portfolio Performance
Learn the keys to an effective credit card program, hear ideas for getting your card “front of wallet,” and understand the pros and cons of an agent card partnership. You will also learn how to turn bad debt into cash, achieve your recovery goals, and improve your bottom line through debt sales.
Presented by Mike Cebrick, Alliance Financial Services and Bob Deter, Hudson & Keyse
The Subprime Crisis Exercise
Learn what your credit union can do to help members; minimize their risk for foreclosure, avoid the credit crunch and protect their supplementary liquid assets.
Presented by Nathan Smith, VP & chief lending officer, Continental Federal Credit Union / US Airways Credit Union
Income Opportunities Panel: Discovering Your Next Growth Initiative
Join us for a panel discussion on this hot topic. Discover new cross-sell strategies and product development ideas that credit unions are using to maintain margins and expand services in a volatile rate environment.
Panelists include Evan Shelan, chief executive officer, eZforex.com; Charlie Peterson, senior vice president, Allied Solutions; James Fortney, senior vice president, Money Concepts; Sheree Herr,
vice president of licensing and partnership sales, American Express Incentive Services; and John
Gibbons, national sales consultant, Securian
Fannie Mae and Credit Unions: Working Together to Provide Mortgage Solutions in a Challenging Market
Mortgage lenders, including credit unions, are facing one of the most challenging markets in recent history. What solutions can credit unions offer to local communities? This session will cover how Fannie Mae is helping credit unions meet member lending needs and capitalize on today’s market opportunities. The discussion will also highlight Fannie Mae’s role in foreclosure prevention and how credit unions can improve loss mitigation efforts.
Presented by John Sayre, vice president for marketing, Single-Family Mortgage Business, Fannie Mae
Do Your Retirement Benefits Measure Up?
Hear best practices for employee retirement plans. Learn what it means to be your plan’s fiduciary, how to evaluate your plan versus all other retirement plans nationally and how to understand the fees associated with your 401(k) plan. Plus, find out what to measure on an annual basis to determine your plan’s success.
Presented by Rich Rausser, VP of consulting services, Pentegra Retirement Services
Business Lending: Answer Your Members’Entrepreneurial Dreams
Consumers are looking more and more to their credit unions to fund working capital for their perspective and growing ventures. Find out how this and the favorable regulatory climate are encouraging credit unions to establish business lending units to attract commercial borrowers.
Presented by Tom Glatt, president & CEO, Continental Federal Credit Union
Credit Unions Have Talent
There is a credit union mortgage lending revolution underway as a result of 2007’s subprime crisis. Credit unions have a unique opportunity to take a permanent seat at the housing finance table. Learn how best to become that trusted lender to your member.
Presented by Joe Brancucci, chairman and CEO, Prime Alliance Solutions
Strategic Implications of Marketing New ATM Technology
Learn how credit unions are using new, innovative ATM technology to drive more value from the member ATM transaction. Plus, hear trends in targeted marketing, cardholder preferences and envelope-free deposits.
Presented by Wade Edwards, vice president of product development & relationship management, Fifth Third Processing Solutions
Optimize and Diversify Your Balance Sheet Investments
Credit unions are faced with numerous choices in enhancing their balance sheet investment portfolios. In this session, learn the definition of an “optimal” balance sheet posture, how to diversify beyond traditionally permissible investments, the pitfalls linked with expansion into these new classes, and how to determine whether the risk-reward tradeoff is acceptable.
Presented by John Moreno, director, Institutional Managed Accounts, CUNA Mutual Group
How Can Those Internet Banks Offer Such High Interest Rates?
Understand the mechanics of rewards checking programs, including the revenue and costs versus CDs, and lifetime profit versus free checking. Learn how credit unions are fighting fire with fire, and in particular using rewards checking to serve Gen Y.
Presented by Charlie Petersen, senior vice president, Allied Solutions
New and Evolving IRA Portability Issues & Health Savings Accounts
Aging demographics and industry trends have led to retirement plan portability and the establishment of Health Savings Accounts. Recent tax law changes have created new portability opportunities and made HSAs more attractive to individuals, in turn allowing credit unions to grow deposits and expand membership. Highlights include converting to a Roth IRA from an employer-sponsored retirement plan, eliminating MAGI conversion eligibility limits and offering a profitable HSA product.
Presented by Mike O’Brien, managing consultant, Ascensus, Inc.
Reverse Mortgage Lending: Addressing the Risk, and Optimizing a Tax Program
Learn about the emerging lending opportunity of reverse mortgages and hear how credit unions are protecting themselves against its primary risks. You will also gain an understanding of the benefits of offering tax products to members. Capture tax refunds as deposits, preserve important cross-selling opportunities and drive traffic to your Web site to increase the adoption of online services.
Presented by David Seidel, chief financial officer, Financial Services, Securian Financial Group; and Dan Maurer, chief marketing officer, Intuit
CU Growth: Making the Connection to Gen X and Gen Y
People in their 20s and 30s expect to provide their own economic security rather than relying on employers. What does that mean for you as you market to these already indebted, yet moneysavvy young professionals? Did you know they are more inclined to save than their parents were? What marketing messages will get their attention and what services will engage them as loyal members? Find out in this informative session about your newest and soon-to-be-largest target market.
Presented by Amy Lynch, generational consultant, Bottom Line Conversations, LLC
Carefully Serving the Careless Consumer
Consumers who do not manage their finances well can provide multiple product, service and growth opportunities in today’s economy. Hear one credit union’s approach to serving the needs of this growing segment of the population in an effort to get all of their customers financially savvy.
Presented by Bradley Beal, president and CEO, Nevada Federal Credit Union; Pete Jenkins, senior vice president administrative services, Nevada Federal Credit Union; and Tom Ernsperger, senior vice president loan administration, Nevada Federal Credit Union
To Sell or Not to Sell Mortgages: Regulatory and Credit Union Perspective
Credit unions have a large proportion of their lending in real estate loans and during this difficult market, credit unions need guidelines and best practices on originating and selling/holding these loans. Come to this session ready to discuss current issues and solutions that credit unions should be considering.
Presented by Paul Parrish, EVP/CFO, Nevada Federal Credit Union; and
John Kutchey, director of risk management, National Credit Union Administration
Leadership/Management
Board Conflict Resolution
Many people are challenged by conflict. Through this workshop, you will discover the value of conflict by turning opposing views in the boardroom into a constructive decision making process. Not only will you learn of several approaches for handling conflict, you will gain insight into your natural style and automatic responses to conflict situations. Through this heightened awareness, rather than reacting with habitual patterns or styles, you will be better equipped to consciously select from a wide range of approaches that are most helpful in resolving disagreement constructively. Spouse/guests are invited.
Presented by Lori A. Bleitner, president, Bleitner Consulting Services
Maximizing Your Resources: Innovative Tools for Effective Leadership
Traditional theories of leadership talk about what a leader should do; this workshop will focus on who a leader is and the values and beliefs that guide his or her behavior. By understanding the personal characteristics that make for great leaders, you will discover ways to incorporate key behaviors to increase your personal effectiveness as a leader in the credit union community and influence your staff to become a better team. Spouse/guests are invited.
Presented by Lori A. Bleitner, president, Bleitner Consulting Services
Volunteers: Understand Your Commitment
Benefit from a solid overview of volunteer responsibilities and learn about the key players in the credit union community.
Presented by Anthony Demangone, director of regulatory compliance, NAFCU
SUPERvisory Committee: FUNdamentals
The supervisory committee is a vital part of a credit union and acts as a watchdog for the membership. These committees have two broad mandates: to ensure that management’s financial reporting requirements have been met and that management’s practices and procedures safeguard member assets. While this session is designed for the supervisory committee member who wants a general overview of his or her responsibilities, it will benefit anyone who wants a better understanding of this vital part of the credit union industry.
Presented by Anthony Demangone, director of regulatory compliance, NAFCU
CUEG Panel: Strategic Growth in Today’s Economy
Analyze the latest financial trends regarding the economy and credit unions with special attention to strategic planning and growth issues.
Panelists include Dr. Tun Wai, chief economist, NAFCU; and Dave Colby, chief economist, CUNA Mutual
NAFCU’s 2008 Executive Compensation & Benefits Survey Findings
CEOs and senior staff will get a sneak peak at the initial findings of NAFCU’s 2008 Executive Compensation and Benefits Survey, co-sponsored by NAFCU Services and Burns-Fazzi, Brock & Associates. See how you stack up against other NAFCU-member credit unions.
Presented by Jack E. Clark, PhD, principal, Clark & Chase Research, Inc.
Risk Factors and Red Flags of Occupational Fraud
Learn risk factors and red flags of occupational fraud relating to individual, organization and industry factors: records, abnormalities, behavioral changes, loans, appraisals and cash. Learn to identify red flags resulting from risk analysis and detection procedures. Identify risks and responses through a case study approach, and understand how to determine the difference between error and fraud.
Presented by Jerry Spratt, board treasurer, Arkansas Federal Credit Union
Bottom Line Surveillance: Board Fiduciary Responsibilities Q&A
In this session you will receive a brief overview of your role and responsibilities in your credit union’s investments, financial planning and asset reporting. Following the overview, you will benefit from an open discussion and Q&A regarding the fiduciary responsibility of a credit union board of directors.
Presented by Harold B. Scoggins III, shareholder, Farleigh Wada Witt
Compliance/Operations
NCUA Panel: Up-to-the-Minute Regulatory Discussion
Topics to be discussed include: effective risk management, mortgage lending in the subprime market, elevating consumer protection and a review of the latest regulatory update.
Panelists include Linda Thompson, supervisory examiner, NCUA; Robert Fenner, general counsel, NCUA; and Carrie Hunt, senior counsel and director of regulatory affairs, NAFCU
Developing Loyal Small Business Members
Discover the importance of the small business owner’s “story”, learn about the seven key insights into the small business owner and learn from the results of a new small business pilot program.
Presented by Heather Vaughan, experience director, Deluxe Corporation
Best Practices for Growing Accounts
What kind of response do your direct mail campaigns receive? Hear direct marketing strategies for growing membership and converting indirect loan recipients into profitable, engaged share draft account holders. Learn how to reach the right person at the right time with the right offer!
Presented by Jim Campbell, president & CEO, BANCServices Group
Washington Update Panel: Capitol Hill Happenings
Things change rapidly in Washington. Whether it is on Capitol Hill or at the White House or with our financial regulators, knowing what is going on is now more important than ever. Our panel of political experts will update you on the election landscape as well as current credit union legislation.
Panelists include: John McKechnie, director, Public & Congressional Affairs, NCUA; Dan Berger, senior vice president for government affairs, NAFCU; Brad Thaler, director legislative affairs, NAFCU; and Dillon Shea, director of political affairs, NAFCU
"Serving the Underserved" Panel: Meeting Their Needs and Yours
In these difficult economic times, credit unions need to explore every possible source of revenue and growth and underserved areas are providing significant opportunities for credit unions. This panel will discuss how “serving the underserved” is not only the right thing to do, but how it also makes sense from a business perspective. Join us to find your credit union’s source for new members, loans, etc.
Panelists include Debbie Matz, executive vice president & chief operating officer, Andrews Federal Credit Union; Cliff Rosenthal, National Federation of Community Development Credit Unions; and Carlos Calderón, president & CEO of Organization of American States Staff Federal Credit Union and representing Network of Latino Credit Union Professionals (NLCUP)
SARs and the Utility Value of CTRs
This session discusses how the FBI accesses and uses Bank Secrecy Act (BSA) information. It covers the various tools the FBI has developed to analyze and exploit BSA information for the benefit of their criminal and counterterrorism investigations.
Presented by Laura Williams, supervisory special agent, FBI and Liaison to Financial Crimes Enforcement Network (FinCEN)
Financial Affects and Recovery Expectations for Pandemic Disasters
We’ve read the headlines. We’ve seen the made-for-television movies. But exactly what is a pandemic and how might it affect the credit union industry? As a member of the Financial Services Sector Coordinating Council’s pandemic working group, Anthony Demangone helped design and implement the recent Financial Services Pandemic Exercise. Mr. Demangone will guide attendees through an overview of pandemics, NCUA expectations and the lessons learned from the recent pandemic exercise.
Presented by Anthony Demangone, director of regulatory compliance, NAFCU
The Outsourcing Lexicon: Due Diligence for Third Parties
With the ever growing importance of confidentiality, financial soundness, disaster recovery and business plans, it is imperative to know what type of reviews need to be conducted before you select a vendor, what needs to be included in these reviews and what can happen if you don’t conduct a review. The presentation will also explore other practical issues such as the need to conduct risk assessments, Vendor Due Diligence Policies, NCUA Examinations and the responsibility for oversight.
Presented by Mitchell Klein, SVP/general counsel, Police & Fire Federal Credit Union
Regulatory Update Panel
The world of regulations is constantly changing. NAFCU will give an update on hot regulatory issues including the status of implementing recommendations in the NCUA’s Outreach Task Force Report, changes to NCUA CUSO Rules and far-reaching amendments to the Federal Reserve’s Regulation Z. Amendments to field of membership rules are also a fluid area that will be addressed.
Panelists include Dan Berger, senior vice president for government affairs, NAFCU; and Carrie Hunt, senior counsel and director of regulatory affairs, NAFCU
BSA for Volunteers: The Law Abridged
NCUA continues to stress the importance of continuous Bank Secrecy Act (BSA) training for credit union volunteers. Anthony Demangone is the editor-in-chief of NAFCU’s monthly BSA newsletter: The BSA Blast, and has trained numerous credit union boards on BSA matters. During this session, Demangone will show how the various BSA requirements work together to deter and uncover various financial crimes. All attendees will receive a certificate of attendance that they can present to their credit union to document their attendance.
Presented by Anthony Demangone, director of regulatory compliance, NAFCU
Human Resource Management: Tactical Developments
Do you know if your credit union is subject to punitive damages based on the way you manage your human resources? Explore new developments on employment law affecting credit unions and proposed changes that you should be keeping an eye on, including: recent revisions to Family Medical Leave Act (FMLA) and recent developments in separation agreements.
Presented by William J. Adler, Esq., partner, Styskal, Wiese & Melchione, LLP
Identifying and Detecting Red Flags
As of November 1, 2008, credit unions must comply with the new red flag requirements tied to the FACT Act. Find out how to determine which of your accounts are covered, what red flags are relevant and how to detect red flags. Also, learn about CIP verification and authentication tools.
Presented by Ted Dreyer, senior attorney, Wolters Kluwer Financial Services
Upgrading Internal Operations: The Quest for Efficiency
Learn how to instill pride and effectiveness in your operational staff. Gain useful tips to develop programs for collegiality, promote continuous improvement and turn your well-functioning staff into your high-performance team.
Presented by Tom Glatt, president & CEO, Continental Federal Credit Union
Business Intelligence, Analytics & Operational Efficiency
Learn unique ways to leverage information to grow your credit union and better serve your members.
Presented by Vince Zwadyk, sales manager, SAS Institute, Inc.
Technology/Security
Identity Theft: Minimize the Risk
According to the FTC, one in eight adults is an identity theft victim. Learn practical, preventative strategies to protect yourself and your family, and find out what to do if your identity is stolen. Spouse/guests are invited.
Presented by Dan Clements, president, CardCops, Affinion Group
Evolving Online Threats & Common Data Leakage Problems
Learn about recent trends in blended phishing attacks including malware, new technologies, and “lures.” Hear the latest techniques used in fraud and ID theft, and find out how you can combine standard processes, consumer education and vigilant Internet monitoring to protect your credit union and maintain member confidence. You’ll also learn about typical data leakage problems facing credit unions, how you can protect yourself and your members, and additional benefits of data loss prevention solutions such as e-mail encryption and WebMail inspection/protection.
Presented by James Brooks, director of product management, Cyveillance and Rod Murchison, VP product management & strategic alliances, Code Green Networks
Fake Checks: Protect Your Members
Americans are burned by a variety of Internet and mail-based scams that use fraudulent paper financial instruments. Join us for a panel discussion on the latest trends in this fast-changing con game and current efforts in education and prevention, and learn how your credit union can protect its members from becoming victims. The panel will feature speakers from the U.S. Postal Inspection Service and the Consumer Federation of America, organizations that have been leading the fight against fake check scams.
Panelists include Harold (Buddy) Lane, assistant chief inspector, U.S. Postal Inspection Service and Susan Grant, director of consumer protection, Consumer Federation of America
Enhancing the Consumer Experience & Branch Productivity with New Technologies
Intelligent deposit ATMs, teller cash recyclers, and shared branch kiosks are changing the landscape for serving physical item transaction needs of credit union members. New offerings optimize the operational and cost performance of branches by automating high volume, low value transactions, while improving customer satisfaction. Learn how financial institutions keep these options viable in their distribution strategies while maintaining consistent communications.
Presented by Bill Allen, director of deposit business development,
NCR Corporation; and Mark Shonebarger, senior business consultant, NCR Corporation
Evolution of Identity Theft
Each year consumers, financial institutions and law enforcement become more vigilant in protecting against identity theft, but criminals continue to be several steps ahead. Today’s identity thieves are more innovative and efficient at perpetrating fraud than ever before, using personal information easily found on the Internet. Learn techniques and solutions used to address the issue from every angle— prevention, detection and resolution.
Presented by Tom Rusin, president & CEO, North America Affinion Group
Incident Response: It’s 3 a.m. Will Your Plan Answer The Phone?
Network and system breaches have become so commonplace that it is just a matter of time before you will be compromised. Without a solid incident response program, credit unions risk financial loss and possible regulatory and legal action. Discover the components of an incident response plan that ensure you are protected.
Presented by Tom DeSot, chief compliance officer, Digital Defense, Inc.
NAFCU reserves the right to change dates, cities, venues or speakers should circumstances warrant. NAFCU’s members will be apprised of any such changes.