7:30 – 9:00 a.m. - Registration and Breakfast

8:00 – 8:30 a.m. - Friday Fraudster Podcast

Podcast hosts:
- Robert Berry
- Christy Murray

Connect live! Join our Tuesday morning podcast discussion with a real-life fraud scenario to assist you with real life implementation mimicking what you see in your “shops” everyday! Join the Friday Fraudster Master Robert Berry as he recreates his weekly live podcast and invites you to be part of the discussion.

• Engage live with fellow attendees and offer insightful comments to highlight potential process gaps in real-life fraud scenarios.
• Discuss real-life fraud with real life experts and audit controls.
• Discover how to explore fraud scenarios in engaging, dynamic, and interactive manner.

9:00 – 9:15 a.m. - Opening remarks

Emcee: Sara Trexler

9:15 – 10:15 a.m. - Never Give Up – The Survivor Way

Speaker: Holly Hoffman

As we survive life’s challenges, we come face-to-face with fear and uncertainty. 

Challenges may allow us to step out of our comfort zone and push ourselves above and beyond our own self-limitations. It is how we choose to overcome challenges that make us who we are in life. It is our strength in times of difficulty that prove our character and self worth.

As I share my experience of being on a reality show, I encourage you to think about how you decide to survive on a daily basis. Also, I will encourage you to think about six words to develop your survival skills. With my six simple words, you can take on any challenge with which you are faced.

Adversity is not so much contending with problems as it is learning more about who you really are and what is inside of you.

Join me and explore your true survival skills.

Learning objectives:

• Learn the importance of taking opportunities
• Learn how to deal with adversity and change
• Understand the value of relationships

10:15 – 10:45 a.m. - Networking and Sponsor Exhibit Break

10:45 – 11:30 a.m. - Identifying and Reducing Litigation Risk

Speaker: John Bredehoft

While not every compliance or communications glitch runs the risk of litigation, in today’s litigious society many of those risks will end up in court.  And winning a lawsuit is almost as bad – in time, expense, inconvenience, and distraction from the business of the credit union – as losing one.  This session will examine litigation trends in the credit union space with a focus on how to avoid problems (if avoidable) before they head to the courtroom.

Learning objectives: 

• Learn what issues are currently holding the enthusiasm of the plaintiff’s Bar, including trends in class action litigation.
• Discover issues that may seem like harmless nonsense at first, but which may hold a dangerous potential for going to court.  (Sovereign citizens, anyone?)
• Discuss preventing litigation and prevailing when sued: documentation, training, and compliance auditing and review.

11:30 a.m. – 12:00 p.m. - Sponsor Showcase

Sponsors: Darling Consulting, Eltropy, Encapture, Kadince, NContracts, Rivial Data Security, TraceSecurity, TruStage, Unit21, Winnow

Hear from event sponsors as they each take two-minutes to introduce themselves and share a little about their organization. Attendees will utilize this valuable information to determine which sponsors they may want to further connect with.

12:00 – 1:00 p.m. - Membership Lunch and Sponsor Exhibit

1:00 – 2:00 p.m. - Concurrent Breakouts

Executive Track - Action-Focused Advocacy – Yes, It’s Worth Your Time Panel

Panel:
- Brian Dowgiallo
- Patrick McNichol
- Sue Vandermeuse

Tailored for busy credit union leaders, the panel will discuss the political players, the importance of making time for engagement for advocacy and the multifaceted approach that credit unions can take to establish and maintain relationships with policymakers. This session will provide a roadmap for how your credit union can advocate for the issues that matter to you - and will feature some of the top tips and tactics for political outreach from the nation’s largest credit union. 

Learning Objectives:

• Understanding the policies, the politics and the players (this isn’t Grandpa’s Civics 101!)
• Understanding the importance of reaching out, and how to advance from goals to results.
• Identify resources that you can use to build relationships with policymakers.

Risk Track -  3 Key Risks Credit Unions Should Address & Where to Start

Speakers:
-Mark Haberland
-Simone Suri

Following a worldwide pandemic with a precipitous rise in rates, credit unions face myriad challenges while managing through changing economic cycles. With so many balls to juggle and regulatory scrutiny on the rise, many are taking a more “short-sighted” approach to just make it through. But what impact can those decisions have on long-term success?

Join Simone Suri, Chief Administrative Officer and General Counsel at Members Cooperative Credit Union, and Mark Haberland, Managing Director at Darling Consulting Group, as they discuss three key risks impacting credit unions today and how management is, and should be, addressing them.

Learning Objectives:

• Walk through the changing landscape of liquidity management and its impact on strategic decision-making
• Understand the importance of updating and supporting key model assumptions 
• See how small errors in CECL modeling today can have big effects down the line
• Develop the proper risk management framework to effect strategic change

Compliance Track - Unlocking Strategic Value with ERM

Speaker: Jeff Owen

Real enterprise risk management (ERM) is about much more than just compliance. It’s a strategic compass that helps guide an organization toward success, helping you anticipate, adapt, and THRIVE!

• Gain a comprehensive understanding of the ERM framework, including its components and processes, and learn how ERM differs from traditional risk management approaches in objectives, scope, depth, and deliverables. 
• Learn how (and why) ERM can and should be leveraged for much more than regulatory and compliance requirements (and better understand where regulatory and compliance activity might fit into an ERM program), highlighting ERM’s contribution to strategic planning, decision-making, and, ultimately, value creation and long-term member value.
• Explore the advantages of embedding ERM and ERM-related components (i.e., risk appetite) into strategic planning processes, such as improved decision-making, increased alignment, enhanced resilience, and the identification of new opportunities for growth and competitive advantage (taking MORE of the right risk).
• Learn techniques and strategies to effectively integrate ERM into strategic planning and execution processes, ensuring that risk management contributes directly to achieving strategic goals.
• Equip attendees to identify and overcome common obstacles in aligning ERM with strategy, including organizational culture, resource allocation, and communication barriers.

2:00 – 2:30 p.m. - Networking and Sponsor Exhibit break 

2:30 – 4:00 p.m. - Advancing Fraud Prevention Workshop

Speaker: Chelsea Treboniak

Fraud schemes evolve as swiftly as the measures to counter them. Protecting the integrity of our financial services and the security of our members has never been more critical. This workshop, developed in conjunction with insights from the recent fraud white paper, seeks to empower and educate our community on the multifaceted nature of fraud prevention and response. Featured topics include self-protection vs. institutional oversight, branch fraud preparedness, trends, and future outlooks.

Learning Objectives:

• Understand the evolving nature of fraud schemes and the latest countermeasures to protect financial services and member security.
• Gain knowledge on the balance between self-protection and institutional oversight in fraud prevention.
• Develop strategies for fraud preparedness and stay informed about current trends and future outlooks in fraud prevention.

4:30 – 6:00 p.m. - Experiential Outing

7:30 – 9:00 a.m. - Registration and Breakfast

8:00 – 8:30 a.m. - TBA

9:00 – 9:05 a.m. - Opening Remarks

Emcee: Kim Bohannon

9:05 – 10:05 a.m. - Enjoy the Ride

Speaker: Steve Gilliland

A blueprint for getting the most out of life, Enjoy The Ride™ is a hilarious and brilliantly conceived keynote that causes people to examine where they are personally and professionally. It lifts people up and inspires them to evolve and appreciate, rather than simply maintain and exist.

The three key points in this presentation are:

• Check Your Passion: Love what you do; never forget why you do it
• Cure Your Destination Disease: Live more for today, less for tomorrow & never about yesterday
• Refocus Your Attention: Decide what’s important & never take it for granted

Takeaway Message – If you want to achieve true success and fulfillment, you must first discover an enthusiasm for your work and personal life. Decide where you are heading, get on the bus, choose the right seat and Enjoy The Ride™!

10:05 – 10:35 a.m. - Wellness & Vendor Exhibit Break

10:35 – 11:30 a.m. - Concurrent Breakouts

Executive/Governance Track: TBA

Risk Track: High-Risk Accounts

Compliance Track: Unveiling the Hidden Hazards: Navigating Compliance Risks in Social Media Advertising

Speaker: Kristen Tatlock

Unlock the secrets to compliant social media promotion! Join us for an eye-opening session as we delve into the intricate world of advertising on social platforms. From one-clicks to consideration of stock photos, learn how to stay ahead of the game and safeguard your credit union against compliance snags. Don't miss this opportunity to transform your social media strategy from risky to remarkable!

Learning Objectives:

• Identify what to address in your credit union’s Social Media Policy.
• Understand one clicks and QR Codes – what works, what doesn’t.
• Discuss incorporating DE&I in your social media plans.
• Learn how to avoid social media advertising quagmires.

11:30 a.m. – 12:45 p.m. - Networking Lunch and Sponsor Exhibit

12:45 – 1:30 p.m. - Concurrent Breakouts

Executive Track - Economic & Liquidity Risks

Speaker: Dawit Kebede

Risk Track - Employment Risks

Speaker: Michael Barnsback

Compliance Track - Dive into Internal Audit with Audie the Internal Otteror

Speaker: Elizabeth McDowell

Join Audie the Internal Otteror as he dives into an internal audit overview. In this engaging session tailored for risk, compliance, and internal audit staff, we will explore fundamental internal audit concepts, best practices, and tips to help you better engage with your internal audit group.

Learning Objectives:

• Enhance your compliance and risk assessments through an understanding of the basics of internal audit, including the key phases and outputs of an internal audit.
• Understand the Three Lines Model and how supervisory committees, management, compliance, and internal audit all work together
• Learn the questions you should be aski

1:30 – 2:00 p.m. - Networking and Sponsor Exhibit Break

2:00– 3:15 p.m. - Concurrent Breakouts

Executive Track - Fair Lending for CU’s Approaching $10B

Speaker: Heidi Wier

Regulators continue to focus on fair lending and the Department of Justice (“DOJ”)’s Combatting Redlining Initiative is well underway with 10 enforcement actions to date, and dozens more under review. As credit unions grow closer to $10 billion in assets, it is important that management’s fair lending strategy keeps pace. This session will discuss what an effective fair lending program includes and the types of analysis needed to ensure you fully understand and manage your fair lending risk.  

Learning Objectives:

• Understand what a robust fair lending program entails
• Learn what types of data analytics to include in your fair lending strategy 
• Understand how to assess risk related to underwriting, pricing, and levels of service 
• Learn about redlining risk, the DOJ’s redlining initiative and key takeaways from enforcement actions to consider for your credit union

Risk Track - Addressing & Preventing Large Risk of Loss Issues on Accounts

Speaker: Tyler Parker

To prevent large account risk of loss issues your credit union must proactively address them before opening any account for members. This program will provide solutions to major account risk issues all credit unions currently face, including: trusted contacts liability, beneficiaries on trusts liability, check deposits, legal document reviews (estates, guardianships, trusts, etc.), account form liability, cash withdrawals, powers of attorney liability, transaction purpose litigation, preventing overdraft litigation, agreements in other languages, checks presented for payment, and much much more. Bring your questions about account risk issues, and Ty will help you answer them at this program.

Learning Objectives

• Build awareness of many major current account risk issues
• Understand the causes of losses from account risk issues
• Learn how to anticipate and prevent major account risk issues

Compliance Track - You’ve Been Served, Now What?

Speaker: David Reed

Do you have to answer that subpoena or garnishment?    The answer is clearly…..maybe!  Almost every privacy law, rule and regulation require us to protect our members’ assets and financial data, but there are specific exceptions.  If you know where to look, there are very specific rules governing your response to valid requests and even your ability to seek recovery of expenses.  Your credit union needs to be prepared and understand what to do when you receive a legal request requiring you to hand over a member’s funds or personal information. Understanding the rules and avoiding common landmines will help reduce the risk and potential liability of an improper response.

Learning objectives:

• Explore the requirements for proper jurisdiction.  
• Understand the basics of an effective tracking system.
• Learn the deadline(s) you need to know.
• Understand the orders or legal proceedings you need to follow.
• Understand if a court appearance is required, and if so, who should attend.

4:00 – 5:00 p.m. - Networking Reception

8:00 – 9:00 a.m. - Registration, Breakfast, Vendor Exhibit

9:00 – 10:00 a.m. - Concurrent Breakouts

Executive Track - TBA

Risk Track - A Look at Cybersecurity Risks, Trends, and Controls

Speakers:
- Alex Friedl
- Brianda Rojas-Levering

Cyber threats are becoming increasingly more sophisticated and pervasive while regulatory pressure continues to place significant responsibilities on the board and senior leaders at the credit union. This session will share the latest cybersecurity trends impacting organizations and offer loss control practices for credit unions as they focus on building a security-aware organization. Attendees can expect to walk away with a better understanding of emerging threats that are influencing credit unions’ cyber posture, the importance of updating security polices and employee training, and greater awareness about how third and fourth party relationships should be viewed within your cyber security programs.

Learning objectives:

• Understand the current state of ransomware frequency and ransomware payments
• Understand how to prevent and minimize the impact of a ransomware attack on your credit union

Compliance Track - Compliance Management and Complaint Management Programs-What Works Panel

Panel:
- Stephanie Lyon
- Simone Suri
- Sara Trexler

Moderator: Tony Diaz

A panel of industry experts will provide guidance, "real world examples," and actionable best practices for credit unions seeking to mature their compliance and complaint management programs. This will be of particular interest for credit unions preparing for NCUA ONES and CFPB supervision.

10:00 – 10:30 a.m. - Networking and Sponsor Exhibit Break

10:30 – 11:30 a.m. - Junk Fees

Speaker: Brandy Bruyere

11:30 a.m. – 12:00 p.m. - Recommended Actions for the Next 6 Months

Speakers:
- Kim Bohannon
- Fabiana Burkett
- Sara Trexler

We just shared a fabulous couple of days together with some amazing professionals taking in a lot of information. Let’s debrief with some take-aways and some action plans for the next 6 months.