6:00 PM - 8:00 PM

Academy Welcome Reception

7:30 AM - 8:45 AM

Registration and Breakfast

8:45 AM - 9:00 AM

Welcome Remarks for the Second Annual Academy Krewe!

9:00 AM - 10:30 AM

Compliance and Risk Management as Profit Protection

Industry challenges abound! Our Krewe will kick off the agenda with an alphabet tour overviewing some of the hottest issues we face today. Escalating fraud in deposits and payments, accelerating identity theft, and ongoing FCRA, TCPA, FDCPA SCRA and MLA risks. In the midst of the perceived enforcement action pause, stay alert to the higher litigation, state consumer protection oversight, and reputation risk. Be mindful of the five-year lookback for exams amidst the political pendulum swing. These hot spots deserve a level-set to set the tone for today’s demand for agile risk management.

Speakers:

• Patti Joyner, Managing Director, Asurity Academy 
• Stefanie Jackman, Partner, Troutman Pepper Locke
• Carl Pry, Senior Advisor, Asurity Advisors

10:45 AM - 12:00 PM

Quantitative Approach to Board and Executive Management Reporting

Compliance inherent risks remain stable: the likelihood of enforcement may have decreased on many subjects, but consumer protection laws remain in force. Our Advisors team will walk you through the quantitative approach for developing tolerances, KRIs and KPIs suitable for your institution. An industry pro will share tips for CCOs and CROs to strike the right balance in managing expectations and maximizing their time with the Board.

Speakers:

• Grace Brasington, Executive Managing Director, Asurity Advisors 
• Timothy Stokes, CRCM, Managing Director, Asurity Advisors

1:00 PM - 3:45 PM

Loan Data and Integrity

Our industry, exam teams, litigators, and advocacy groups all have a “high need to know” a broad spectrum of loan details! Let’s do a quick recalibration of your data mapping to ensure you are accurately telling your story. Start with Call Report Data, applicable to every bank, and tighten up your mapping to Fair Lending Analytics. Next, we’ll align HMDA and CRA data for those institutions directly and indirectly impacted. As we have seen, even if you are not a HMDA or CRA Data Reporter, exam teams ask for sufficient data to conduct a Fair Lending exam. As a non-reporter, providing data similar in structure to the familiar HMDA and CRA schemas can help smooth out some of the exam prep sharp corners. We’ll round out the loan data journey with a look at the current version of DFA Section 1071’s Small Business Lending Rule. One way or another, more detailed loan data will be required.

Speakers:

• Patti Joyner, Managing Director, Asurity Academy
• Linda Ezuka, Founder, CRA Today and the CRA Hub
• Carl Pry, Senior Advisor, Asurity Advisors
  

4:00 PM - 5:30 PM

Maximizing Partnerships: FinTechs, De Novo Banks, Skinny Charters and Traditional Partnerships

Financial services firms and institutions of all sizes are partnering up to provide high quality, innovative services amidst a volatile, competitive environment. We’ll map out the evolving terrain to identify the compliance implications of each of these relationships. It is critical to transform the perception of compliance and risk as the “Committee of No” into the reality of “Supportive Business Partners” ready to tackle the compliance and risk nuances each of these relationships bring to the table. Our Krewe will share pointers to strengthen your risk and compliance program to maximize risk mitigation of the unique TPRM risks posed by the innovative collaborations.

Speakers:

• Patti Joyner, Managing Director, Asurity Academy 
• Nicole Anderson, Principal, Financial Services Risk & Regulatory Practice, PwC

8:30 AM - 9:30 AM

"Holding the Line": Maximizing the Perceived Pause in Enforcement Actions

We all know the pendulum will swing again! Use this time to revisit important warning signs indicative of cracks in your compliance lines of defense to ”Hold the Line” while we prepare for potential perils from new sources. Prepare for challenges not just from traditional enforcement actions, but new encounters with legal actions from the Feds, the States, or the Courts. Our seasoned pros recently engaged in resolving complex enforcement actions will explore what went wrong with 20/20 hindsight. Our Krewe with Boots on the Ground Leadership experience will highlight preventive actions taken earlier would have closed the gaps before resulting in fines, penalties, and reputation risk. We will discuss Compliance Management Systems, Bank Secrecy Act, Fair Lending and Consumer Protection preventive solutions ready for immediate implementation.

Speakers:

• Patti Joyner, Managing Director, Asurity Academy
• Thomas Healy, CRCM,  Former Senior Vice President, Chief Compliance Officer, Discover Financial Services
• Rebecca (Becky) Robertson, Executive Vice President, BSA Officer and Director Financial Crimes Compliance, Blue Ridge Bank, N.A.

9:30 AM - 10:30 AM

Common Mortgage Origination Compliance Pitfalls and How to Avoid Them

What a great opportunity to discuss specific scenarios and solutions to the challenges in closing a consumer mortgage loan! Lots of complex compliance and technological details to delve into and benefit from shared experience with solutions to common challenges! Our Krewe will arm you with actionable steps to use immediately at your organization. Who doesn’t need more real-life solutions to our consumer mortgage origination process?

Speakers:

• Jonas Hoerler, Chief Regulatory Counsel, Asurity
• Ryan Labriola, Director, Asurity Advisors
  

10:45 AM - 11:45 AM

State Law Landscape

As federal baselines remain relatively stable, states are increasingly diverging in how they define and enforce consumer protection, licensing, fees, privacy, servicing, and unfair or deceptive acts standards—creating “50-state” compliance complexity that can shift quickly. We’ll also cover the rise of multi-state initiatives, including coordinated examinations, joint investigations, and harmonized rulemaking efforts that can accelerate supervisory expectations across jurisdictions. Participants will leave with best practices to manage state-law risk: a strong compliance management system, disciplined regulatory change monitoring, complaint and examination readiness, vendor oversight, and issue management across jurisdictions, products, and partners.

Speakers:

• Patti Joyner, Managing Director, Asurity Academy
• Lynn Woosley, Managing Director, Asurity Advisors

11:45 AM - 12:45 PM

The Gift That Keeps on Giving: Mastering Flood Insurance Risk Management

Every. Single. Year. Flood insurance compliance makes the Feds’ hit lists of most frequently violated rules. Flood insurance risk is examined from two important perspectives, technical compliance and safety and soundness portfolio management. We will take a fresh look at some troublesome logistical challenges of flood determinations, mandatory flood insurance purchase amounts, understanding covered events and force-placed insurance. Our Krewe will also discuss the important potentially discriminatory climate risk referred to as “bluelining,” a climate version of harmful redlining practices. As institutions witness massive floods and fires ravaging our communities and our loan portfolios across the country, we must protect against discriminatory actions disproportionately harming low-income communities and communities already vulnerable to economic devastation following horrific climate events. There’s a lot wrapped up in this important subject, and we’ve got solutions!

Speakers:

• Patti Joyner, Managing Director, Asurity Academy
• Kirk Stephens, Chief Compliance Officer, Steamboat Group/OSC