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Session Information
Executive Briefing On Current Issues And Opportunities
Robert M. Fleetwood, Partner, Group Co-Chair; and
John M. Geiringer, Partner, Regulatory Section Leader, Barack Ferrazzano
Repercussions from last year’s bank failures, heightened regulatory scrutiny of fintech and other third-party relationships, as well as the continued slow-down in capital and M&A transactions, have created new challenges that banks must now address, on top of all the other issues already on their plate. This session features an executive briefing on current legal and regulatory issues and trends affecting financial institutions. The focus will be on practical suggestions and best practices taken from long-time experience in representing a large and diverse banking practice. At the end of this session, participants should understand the key legal and compliance challenges they are likely to face in the coming year.
Handout | Survey
Anticipation And Authority: The Key To A Great Balance Sheet Strategy
Scott Hildenbrand, Managing Director, Head of Piper Sandler
Join this session for a discussion of current themes in the banking industry. The presenter will explain how anticipation and authority are key to having a great balance sheet strategy and will include market updates to contextualize the ideas. He will also highlight considerations and opportunities on the asset and liability sides of the balance sheet that will help management teams find more value for their institution and prioritize the right things as they plan ahead. At the conclusion of this session, participants should understand why anticipation and authority are key to a great balance sheet strategy.
Handout | Survey
An Economic, Policy & Political Outlook
Joan Woodward, EVP of Public Policy, Travelers
Join Joan Woodward as she shares her economic, public policy and political outlook in this data driven analytical presentation. She will also discuss the most pressing challenges facing Congress and the Biden Administration throughout 2024. What do higher interest rates, coupled with elevated inflation mean for your organization and can the U.S. avoid a recession? Will legislation recently passed by Congress, such as the Inflation Reduction Act and the CHIPS Act, bring relief to consumers and businesses? Joan will explore those issues, as well as look at what the upcoming election might mean for insurance, tax policy and the economy.
Handout| Survey
Strategic Benchmarks: Your Peers' Plans & Priorities for 2024 & 2025
Lee Wetherington, Senior Director, Corporate Strategy, Jack Henry
What strategies are your peers pursuing over the next two years? Which competitors and threats keep them up at night? How many are focused on embedding banking (outbound) into 3rd parties? How many are focused on embedding fintech (inbound) into digital experiences? Which fintechs are banks embedding? And what about niche strategy? Join Lee Wetherington for a revealing look at where your peers are headed, why and what new opportunities are being presented by the ecosystem disruption reshaping financial services.
Survey
The Top 6 Controls to Reduce Your Risk of a Cyber Incident
Nick Podhradsky, EVP, SBS CyberSecurity
Gone are the days of only having to worry about a “virus” getting onto your network and causing few minor issues. Today’s cyber-attacks are completely automated on the front-end, meaning getting access to your Network has never been easier. Hackers tend to live in a network undetected for long periods of time, studying your environment and crafting a plan to achieve their objective, which is typically to steal money, data, or both. Then, to cover their tracks, the hacker will launch ransomware on your network as they leave, creating a whole new set of problems. How do you identify that an attack like this is occurring BEFORE it’s too late? Alternatively, how can you prepare your organization to investigate what really happened when an attack does occur? This presentation will use an example of a real-world attack to walk you through the different steps a modern attack entails, show you how to prepare in advance to detect an attack at different stages, and make sure you’re logging the right information to properly investigate what happened if an attack does occur.
Handout | Survey
Maximizing Margin Expansion in Today's World
Aaron Chestnut, EVP, Strategist Account Boost, SRM
The prospect of a rising interest rate cycle portends an opportunity for expansion of Net Interest Margin (NIM). However, NIM expansion is not a given, and the range of impact from one financial institution to another will be significant. Data analytics that reveal the intersection of portfolio and customer relationship factors is fundamental to developing a strategy that produces the most positive impact on NIM. Any strategy that does not fully integrate marketing communication will be suboptimal. What is the best way to approach this unique historical challenge? This talk seeks to answer that question with data.
Handout | Survey
Balance Sheet Strategies for a Changing Rate Environment
Ryan W. Hayhurst, President, The Baker Group
It has been nearly two years since the Federal Reserve started their most aggressive tightening campaign since the early 1980s. The interest rate movements have been both quick and great in magnitude. Banks saw their margins expand in 2022 and then start to contract in 2023 as balance sheets eventually felt the full impacts of the rapid rate movements. Many believe the Federal Reserve is close to or possibly done raising rates. Is your balance sheet ready for the next cycle? This session will discuss the current economic and interest rate environment, banking trends, and balance sheet strategies for today’s environment. Lastly, this section will highlight today’s best practices for asset liability management programs to prepare the bank for the changing landscape and ensure a favorable regulatory examination.
Handout - Coming Soon! | Survey
Current Trends in Bank M&A and Financial Innovation
Jim Morrissey, Shareholder, Vedder Price P.C.
Mark C. Svalina, Shareholder, Vedder Price P.C.
This session will discuss the current state, and emerging trends, relating to bank M&A activity, bank capital raising/financing options and financial innovation. With respect to bank M&A, we will discuss notable recent trends relating to traditional bank M&A and bank/fintech M&A. We will also review and assess current options for banks looking to raise capital and/or enhance liquidity. In addition, we will explore the opportunities presented by financial innovation, including the latest payment trends, such as FedNow, and discuss the cyber and fraud risks associated with financial innovation, and how banks address these emerging risks while pursuing financial innovation opportunities.
Handout | Survey
Outlook for Community Banks as They Battle Revenue, Liquidity Pressures
Nathan Stovall, Director, Financial Institutions Research, S&P Global
The session will highlight revenue headwinds facing banks due to persistent liquidity pressures in 2023 and the likelihood for that headwind to continue amid regulatory scrutiny. We’ll discuss how banks are likely to slow growth as funding costs continue to rise and concern over commercial real estate exposures grow and highlight how banks have responded to pressures by focusing on efficiency, risk management and the repositioning of their balance sheets to improve profitability and liquidity. We’ll also discuss how the challenges could lead to more M&A activity as banks seek to cut costs and gain scale.
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Secrets of High Performing Banks - Responding to Market Challengers
Shawn O'Brien, President, QwickRate
We’re expecting a long road ahead for all banks in 2024, but some institutions will see it as a chance to seize opportunities and successfully strategize responses to the challenges. These high-performing banks know how to use publicly available performance data to their advantage. We’ll show you how your bank can emulate the top performers by taking your cues from the numbers. Using a proprietary index of “true” community banks, we’ll discuss.
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Get to Know the Next Generation of Digital Consumers
Bo Osburn, Senior Account Executive, VISA, Inc.
Engaging with digital consumers is essential to stay current in today’s market. But who are they? What do they want? And how are their actions accelerating payments innovations? Take a deep dive into Visa research of the attitudes, behaviors, and expectations of the next generations of consumers.
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Credit Trends - Managing Credit Risk
Tom Chester, Director, Forvis Mazars
Laura Knight, Director/Loan Review, Forvis Mazars
The economy in any state is a concern for an institution. Are you sticking to the facts? Do you need legal counsel? In this detailed presentation, our professionals dive into several different aspects of credit trends and risk such as historical data on credit quality, observations on overall credit risk, and discuss their thoughts on loan concentrations and structures. Our leaders at FORVIS provide guidance and expertise when it comes to timely, money-saving actions for the financial institution and its clients. At the end of this discussion, the audience will be able to determine best practices when it comes to credit administration and have a better grasp on credit loss, credit management, and how to not repeat history!
Handout | Survey
Regulator Perspective
Travis Hill, Vice Chair, Board of Directors, FDIC
Join FDIC Vice Chairman Travis Hill for updates on the agency’s rulemaking agenda, as well as other regulatory and market developments. The session will begin with open comments and include a fireside chat with association staff. There will also be an opportunity for attendees to ask questions on site.
Survey
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