Calendar

Oct
9
Wed
Fraud Seminar 2019 @ Radisson Hotel Harrisburg
Oct 9 @ 8:30 am – 4:00 pm

Wednesday, October 9, 2019
Radisson Hotel Harrisburg
1150 Camp Hill Bypass, Camp Hill, PA 17011

 

REVIEW AND REGISTER

To review program details and register by mail, please download the REGISTRATION BROCHURE

To register online, please complete the ONLINE REGISTRATION FORM


WHO SHOULD ATTEND

Information Security, IT Security, Security Officers, Training Officers, Branch Managers, HR Managers and Compliance Officers.

CONTINUING EDUCATION CREDIT

This program qualifies for 6 hours of CPE credit. PACB is an approved provider by the PA State Board of Accountancy. Completion certificates will be issued for all attendees who request that service.

LODGING

The PACB has a special rate at the Radisson Hotel Harrisburg. 1150 Camp Hill Bypass, Camp Hill, PA. Please contact the hotel directly at 717-763-7117 for reservations. Please mention the PA Association of Community Bankers to secure the special rate.


COURSE AGENDA

8:30am: Registration & Continental Breakfast

9:00am: Trends in Fraud
Times change, crimes change. During this interactive session we will identify and discuss the top five types of fraud seen during the last two years and then compare them to what’s trending today. Hear from your peers on their own recent experiences. You’ll learn about the various ways in which criminals will attack your bank. We’ll explain how fraudsters use social media to try and recruit your actual customers. You’ll leave with a better understanding of what’s happening right now and what you can do to prepare.

Elder Fraud: Growing Faster than the Speed of Age
Elder fraud is the fastest growing segment for crime in our country! Criminals know who they want to target and have found ways to get close to their victims. They know exactly how to manipulate their mark and don’t care what happens to them after the scam. After gaining control of your accountholder, the weakest link at your institution becomes the target.

In this session, you will learn how your loan function can unintentionally help these criminals. Many of those who become victims will not admit it or be unwilling to prosecute the criminals—they don’t want anyone to know they were deceived. We will review how the attacks work, as well as how to get the victims help!

10:50am: Refreshment Break

11:00am: Fraud in the Digital World
We will explore the various fraud trends as a result of the increased use of technology, best practices for your bank to mitigate and combat fraud in the digital world. We’ll talk through the increase in Card not present Fraud, Data Breaches, Artificial Intelligence, Advanced Dark Web Monitoring and Social Engineering. The interactive session will include how we as a community can utilize best practices to combat the fraudsters.

12:00pm: Lunch

1:00pm: Social Engineering: How Not to Give Everything Away
This fast-moving program on preventing losses will focus on the information identity thieves obtain before they call your financial institution and the information they want to get from you. You will learn how criminals target your institution when trying to obtain information or financial rewards. Understand how to question a person so you can determine if they are a customer or a thief. Don’t let the criminals socially engineer you or your staff into giving them financial information or access to another person’s account.

Internal Fraud: The Warning Signs
How prepared is your institution for internal theft and fraud? Embezzlements were one of the most reported SAR events filed by financial institutions from 1996 to 2013. This riveting session identifies the behavioral changes that can identify internal frauds in the making! We review the warning signs that every staff member should look for or be able to identify to help stop an internal embezzlement. Discover where the thief will spend the stolen funds and how they keep their stealing from being found. Know whether you should do the investigation or hire a Certified Fraud Investigator. This insightful program provides you the tools needed to understand the workings of an internal fraud.

4:00pm: Adjournment


ABOUT THE PRESENTERS

Barry Thompson, Managing Partner
Thompson Consulting Group, LLC
Barry Thompson is a nationally-recognized speaker, consultant, and former banker, with nearly 40 years of service to the financial institution industry. Barry’s financial services career spanned 22 years before he “retired” to establish Thompson Consulting Group, LLC, to assist financial institutions in competing more effectively by providing services specifically targeted to risk management and security.

During his career, he served in various management positions throughout the financial services industry. In addition to security, Barry has experience in operations, accounting, investments, mortgage processing, and special assignments. Barry has investigated embezzlement cases, identity fraud cases, check kites, and almost all possible criminal incidents against financial institutions. As a security officer, Barry handled over 900 security cases and has been involved with investigations and prosecutions on the federal, state, and local levels and has testified before grand juries, county courts, bankruptcy courts, family courts, and the New York State Supreme Court.

Thompson Consulting programs are based on actual experiences that allow presenters to relate to any group of financial professionals, from the teller to the board of directors. Mr. Thompson appears frequently before financial institutions and at industry conferences and is a frequent contributor to various financial and forums.

Paul Rooney, Senior Fraud Analyst
Worldpay
Paul Rooney is a Senior Fraud Analyst, who has over 16 years of experience in Card Fraud at Worldpay. Paul has previously led several roles within the Fraud Team at Worldpay that include managing the day to day activities of the fraud team, as well as the strategy/analytics teams. In his current role, Paul acts as a subject matter expert with respect to Card Fraud. Paul specializes in working closely with Worldpay clients by providing industry insight, and best practices that help clients build effective fraud mitigation strategies to balance risk and cardholder experience. Paul speaks nationally at financial institution Fraud symposiums as a subject matter expert. Paul currently resides in Houston Texas with his wife and two daughters aged 8 and 4.

Oct
10
Thu
ALM Seminar 2019 – Eastern PA @ Radisson Hotel Harrisburg
Oct 10 @ 8:00 am – 3:30 pm

Thursday, October 10, 2019
Radisson Hotel Harrisburg
1150 Camp Hill Bypass, Camp Hill, PA 17011

 

REVIEW AND REGISTER

To review program details and register by mail, please download the REGISTRATION BROCHURE

To register online, please complete the ONLINE REGISTRATION FORM


SEMINAR OVERVIEW

BEST PRACTICES IN ASSET/LIABILITY MANAGEMENT: This annual program will focus on the critical issues bank ALCOs are facing in 2019, and what we anticipate for 2020. Economic data has been more and more positive in 2019. 1st quarter GDP growth was 3.2%, and forecasters expect continued good growth in 2019. Consumer spending and business investment are need for continued economic expansion. This business cycle is 121 months into expansion in July, and is now the longest expansion in history. Consumer and business confidence is positive, and the unemployment rate was at a 50 year low of 3.6% in April. The housing market is strengthening along with the labor market. All of this activity is not moving inflation rates above 2%, a level desired by the Fed. All of this positive news bodes well for bank lending, and loan demand is very good in most areas of Pennsylvania. But we should be caution in liquidity management, and commercial lending as the cycle matures.

The most important variable for the ALCO to focus attention on is short-term interest rates. The Fed moved rates up three times in 2017, and four times in 2018, but there is no forecast of an increase in 2019. Deposit pricing became very aggressive in the second half of 2018, and remains relatively aggressive 2019, but with the Fed on hold, deposit rates should stabilizes along with the cost of funds by the 4th quarter of 2019. Banks have struggled with internal cannibalization of deposits in 2018, and we are defending our deposits from local and internet competition in 2019.

The seminar will focus on regulatory concerns mainly with commercial lending, and liquidity management. Interest risk management appears to be less of a concern in 2019. Liquidity management will be a major concern for your ALCO through 2019 as retail deposit growth is difficult and costly. The program will conclude with asset and liability decision making in 2019 into 2020. As loan demand has increased, investments have become less of a priority, but investment portfolio strategies continue to be an essential element of ALM. Liability management had not been a significant concern for over nine years, but it became our primary concern in 2018 and is continuing into 2019. Deposits strategies to cope with a changed rate environment need to be discussed in the ALCO meetings. We will also explore wholesale strategies involving the FHLB advances and brokered CDs.

WHO SHOULD ATTEND

CEOs, CFOs, COOs, Directors, Investment Managers, ALCO Committee Members, Lenders, Risk Managers and others involved in ALM

NEXTGEN COMMUNITY BANKING LEADERS

Bring a NextGen Banking Leader along to this important seminar. Let them learn from the expert and network with colleagues in an interactive educational environment. This experience will help them grow and be a stronger member of your bank’s team. NextGen bank leaders receive $100 discount on the registration fee.

CONTINUING EDUCATION CREDIT

Up to five (5) hours of CPE will be offered for this program. PACB is an approved provider of continuing education by the PA State Board of Accountancy.

SEMINAR AGENDA

8:00am: Registration & Refreshments
8:30am: Current Environment
• Regulatory Overview
• Business Cycle Trends & the Impact on Pennsylvania Banks
• Interest Rate Forecast – Fed became more aggressive in 2018
• Liquidity Management – Liquidity is shrinking on bank balance sheets as rates increase
10:00am: Refreshment Break
10:15am: Seminar Continues
• Interest Rate Risk – Examiner comments, and insights from independent reviews
• Modeling IRR – Validating assumptions remains a concern of examiners.
12.00pm: Lunch
1:00pm: Managing Assets in the Current Environment
• Funding growth for 2019 – Liquidity Management
• Investment Options on a flattening Yield Curve
• Lending
• Residential lending is a challenge and this will continue. More strategic than ALCO.
• Managing concentrations in CRE lending
Managing Liabilities in the Current Environment
• FHLB Strategies
• Growth in Broker deposits – a trend to watch.
• Deposit Strategies: Moving customers from large savings pools to CDs. Let’s look at changing cost of funds
• Preventing internal cannibalization & Defending Deposits
• Challenges Facing ALCO In 2020
3:30pm: Adjournment

ABOUT THE PRESENTER

Dr. James Clarke, Principal, Clarke Consulting
Dr. James Clarke is the Principal of Clarke Consulting, a Villanova, Pennsylvania firm specializing in ALCO issues and strategic planning for community banks. Jim has lectured on asset/liability management at the Stonier National School of Banking sponsored by ABA, the Southwest Graduate School of Banking, the New England School of Financial Studies and Connecticut School of Banking. He conducts ALM seminars for many state associations, and for Risk Management Association (RMA) and Financial Managers Society (FMS). Jim also conducts board education programs on ALM for a number of state associations. In 2017 through 2018, Jim spoke at the Connecticut, Maine and Pennsylvania Association of Community Bankers conventions and number of director conferences. Dr. Clarke is on the Board of a community bank, and is a Director of an investment company. Jim is also on the Editorial Board of the RMA.

LODGING

Camp Hill Location: The PACB has a special rate at the Radisson Hotel Harrisburg. 150 Camp Hill Bypass, Camp Hill, PA. Please contact the hotel directly at 717-763-7117 for reservations. Please mention the PA Association of Community Bankers to secure the special rate.
Monroeville Location: Contact the Doubletree, 101 Mall Blvd, Monroeville directly at 412-373-7300 for reservations. Please mention that you will be attending a PA Association of Community Bankers seminar to secure a group rate.

Oct
23
Wed
FDIC Director Seminar 2019 @ DoubleTree Monroeville
Oct 23 @ 8:15 am – 1:30 pm

Wednesday, October 23, 2019
DoubleTree Monroeville
101 Mall Boulevard, Monroeville, PA 17033

 

REVIEW AND REGISTER

To review program details and register by mail, please download the REGISTRATION BROCHURE

To register online, please complete the ONLINE REGISTRATION FORM


PROGRAM OVERVIEW

PACB is excited to once again work with the Federal Deposit Insurance Corporation (FDIC) to provide the Directors and Trustees College. The format for 2019 includes breakout modules, and a large-group case study. The program will conclude with a luncheon and economic update. This program is designed to provide continuing education to bank executives, directors and trustees on current and relevant topics and various elements of bank supervision.

WHO SHOULD ATTEND

This program is designed for CEOs, inside directors/trustees, and outside directors/trustees.

CONTINUING EDUCATION CREDIT

Attendees of this course are eligible for up to 4 hours of CPE. PACB is an approved provider of continuing education by the PA State Board of Accountancy.

PROGRAM AGENDA

8:15am: Registration/Continental Breakfast
8:45am: Welcome/Opening Remarks
8:55am: Agenda Overview, FDIC Facilitator
9:00am: FDIC Opening Remarks
9:15am: Breakout Module #1
10:15am: Refreshment Break
10:30am: Breakout Module #2
11:30am: Case Study, FDIC Facilitator
12:30pm: Networking Luncheon & Economic Update
1:30pm: Adjournment

LARGE GROUP CASE STUDY

Assessing Fintech Strategies
Fintech company partnerships provide many opportunities, such as quick underwriting, growth, and efficiencies. Markets are dictating that directors make strategic decisions whether or not to partner with fintech companies. This interactive case study will present a fintech market opportunity for the participants to assess and includes a discussion of corporate governance and strategic implications.

2019 BREAKOUT MODULES

Conversation with the Regulators
This session will provide an informal setting for participants to hear what is on regulators’ minds and to share experience and insights as a community bank board member. Members of the FDIC regional management team will highlight emerging issues, answer participant questions, and discuss topics raised by participants. The session structure will include prepared remarks as well as an open forum for questions and discussion.

Liquidity Management – Is Your Bank’s Oversight Program Appropriate?
Hear about recent trends in funding structures and associated implications for community banks. Key areas directors should be considering in oversight and policies will also be discussed. We will talk about funding concentrations, current regulations regarding brokered deposits, and funding stability. We will also provide an overview of liquidity measurement and monitoring expectations and discuss risk factors impacting your bank’s oversight needs.

CRE Stress Scenario Analysis – Understanding the Results
Attendees will learn the importance of CRE analysis as a risk management tool to assist the board in assessing current and potential risks within the loan portfolio, establishing minimum capital levels, addressing risk appetite, and setting appropriate product lending limits. The session will walk through a CRE stress scenario, which will show how data inputs, assumptions, and severity of scenarios can influence results.

Audit Committee Oversight
Learn about the fundamental elements of effective audit program governance and the audit committee’s critical oversight roles and responsibilities. The session will also cover common examination findings and include an audit committee meeting exercise to reinforce the underlying concepts.

Guidance for New Directors
This session will focus on fundamental board governance issues and is designed for Directors with less than five years’ experience. In addition to discussing participant questions, the session will cover Directors’ roles and responsibilities, the examination process, and effective strategies to monitor bank performance.

LODGING

The PACB has reserved a block of rooms for this seminar. To make your reservations, please call the DoubleTree Monroeville directly at 412-373-7300 and mention the PA Association of Community Bankers to receive the special group rate.

Oct
24
Thu
ALM Seminar 2019 – Western PA @ DoubleTree Monroeville
Oct 24 @ 8:00 am – 3:30 pm

Thursday, October 24, 2019
DoubleTree Monroeville
101 Mall Boulevard, Monroeville, PA 15146

 

REVIEW AND REGISTER

To review program details and register by mail, please download the REGISTRATION BROCHURE

To register online, please complete the ONLINE REGISTRATION FORM


SEMINAR OVERVIEW

BEST PRACTICES IN ASSET/LIABILITY MANAGEMENT: This annual program will focus on the critical issues bank ALCOs are facing in 2019, and what we anticipate for 2020. Economic data has been more and more positive in 2019. 1st quarter GDP growth was 3.2%, and forecasters expect continued good growth in 2019. Consumer spending and business investment are need for continued economic expansion. This business cycle is 121 months into expansion in July, and is now the longest expansion in history. Consumer and business confidence is positive, and the unemployment rate was at a 50 year low of 3.6% in April. The housing market is strengthening along with the labor market. All of this activity is not moving inflation rates above 2%, a level desired by the Fed. All of this positive news bodes well for bank lending, and loan demand is very good in most areas of Pennsylvania. But we should be caution in liquidity management, and commercial lending as the cycle matures.

The most important variable for the ALCO to focus attention on is short-term interest rates. The Fed moved rates up three times in 2017, and four times in 2018, but there is no forecast of an increase in 2019. Deposit pricing became very aggressive in the second half of 2018, and remains relatively aggressive 2019, but with the Fed on hold, deposit rates should stabilizes along with the cost of funds by the 4th quarter of 2019. Banks have struggled with internal cannibalization of deposits in 2018, and we are defending our deposits from local and internet competition in 2019.

The seminar will focus on regulatory concerns mainly with commercial lending, and liquidity management. Interest risk management appears to be less of a concern in 2019. Liquidity management will be a major concern for your ALCO through 2019 as retail deposit growth is difficult and costly. The program will conclude with asset and liability decision making in 2019 into 2020. As loan demand has increased, investments have become less of a priority, but investment portfolio strategies continue to be an essential element of ALM. Liability management had not been a significant concern for over nine years, but it became our primary concern in 2018 and is continuing into 2019. Deposits strategies to cope with a changed rate environment need to be discussed in the ALCO meetings. We will also explore wholesale strategies involving the FHLB advances and brokered CDs.

WHO SHOULD ATTEND

CEOs, CFOs, COOs, Directors, Investment Managers, ALCO Committee Members, Lenders, Risk Managers and others involved in ALM

NEXTGEN COMMUNITY BANKING LEADERS

Bring a NextGen Banking Leader along to this important seminar. Let them learn from the expert and network with colleagues in an interactive educational environment. This experience will help them grow and be a stronger member of your bank’s team. NextGen bank leaders receive $100 discount on the registration fee.

CONTINUING EDUCATION CREDIT

Up to five (5) hours of CPE will be offered for this program. PACB is an approved provider of continuing education by the PA State Board of Accountancy.

SEMINAR AGENDA

8:00am: Registration & Refreshments
8:30am: Current Environment
• Regulatory Overview
• Business Cycle Trends & the Impact on Pennsylvania Banks
• Interest Rate Forecast – Fed became more aggressive in 2018
• Liquidity Management – Liquidity is shrinking on bank balance sheets as rates increase
10:00am: Refreshment Break
10:15am: Seminar Continues
• Interest Rate Risk – Examiner comments, and insights from independent reviews
• Modeling IRR – Validating assumptions remains a concern of examiners.
12.00pm: Lunch
1:00pm: Managing Assets in the Current Environment
• Funding growth for 2019 – Liquidity Management
• Investment Options on a flattening Yield Curve
• Lending
• Residential lending is a challenge and this will continue. More strategic than ALCO.
• Managing concentrations in CRE lending
Managing Liabilities in the Current Environment
• FHLB Strategies
• Growth in Broker deposits – a trend to watch.
• Deposit Strategies: Moving customers from large savings pools to CDs. Let’s look at changing cost of funds
• Preventing internal cannibalization & Defending Deposits
• Challenges Facing ALCO In 2020
3:30pm: Adjournment

ABOUT THE PRESENTER

Dr. James Clarke, Principal, Clarke Consulting
Dr. James Clarke is the Principal of Clarke Consulting, a Villanova, Pennsylvania firm specializing in ALCO issues and strategic planning for community banks. Jim has lectured on asset/liability management at the Stonier National School of Banking sponsored by ABA, the Southwest Graduate School of Banking, the New England School of Financial Studies and Connecticut School of Banking. He conducts ALM seminars for many state associations, and for Risk Management Association (RMA) and Financial Managers Society (FMS). Jim also conducts board education programs on ALM for a number of state associations. In 2017 through 2018, Jim spoke at the Connecticut, Maine and Pennsylvania Association of Community Bankers conventions and number of director conferences. Dr. Clarke is on the Board of a community bank, and is a Director of an investment company. Jim is also on the Editorial Board of the RMA.

LODGING

Camp Hill Location: The PACB has a special rate at the Radisson Hotel Harrisburg. 150 Camp Hill Bypass, Camp Hill, PA. Please contact the hotel directly at 717-763-7117 for reservations. Please mention the PA Association of Community Bankers to secure the special rate.
Monroeville Location: Contact the Doubletree, 101 Mall Blvd, Monroeville directly at 412-373-7300 for reservations. Please mention that you will be attending a PA Association of Community Bankers seminar to secure a group rate.

Oct
28
Mon
Training the Credit Analyst @ PACB Headquarters
Oct 28 @ 8:15 am – 3:30 pm

Monday, October 28, 2019
PACB’s New Headquarters
3211 N. Front Street, Harrisburg, PA 17110

 

REVIEW AND REGISTER

To review program details and register by mail, please download the REGISTRATION BROCHURE

To register online, please complete the ONLINE REGISTRATION FORM


COURSE OVERVIEW

Training the Credit Analyst is a course designed to address the needs of beginning credit analysts and reinforce the credit skills of current credit analysts in all aspects of credit analysis. It begins with a thorough review of the components of financial statements and proceeds into analyzing the financial statements by preparing a financial spread and then interpreting the results. The course will teach how to write effective and comprehensive credit analyses which highlight and detail the important trends shown on the financial spread sheet. Other analytical tools that will be covered in detail include: Cash Flow Analysis; Break-Even Analysis; Ratio Analysis, Financial Projections; Sustainable Growth Rate Calculation; Sensitive Analysis; Industry Comparison Analysis and Loan Grading.

COURSE AGENDA

8:15am: Registration/Continental Breakfast
9:00am: Seminar Begins
12:30pm: Networking Luncheon
3:30pm: Adjournment

COURSE OBJECTIVES

The objective of this course is to provide the Credit Analyst with analytical skills that can be put to immediate use upon return to their respective banks. They will learn to use proven analytical tools which will enable them to assess the degree of risk prior to recommending approval or declination of a credit request. Another objective of this course is to improve the documentation of commercial loan files which will reduce losses and will be viewed favorably by the regulatory community.

WHO WILL BENEFIT FROM THIS COURSE?

Training the Credit Analysis is designed for Credit Analysts with little or no experience; Credit Officers; Commercial Loan Officers/Managers; Loan Review Officers and Branch Managers.

AFTER PARTICIPATING IN THIS COURSE, THE PARTICIPANTS WILL

• Know the various types of financial statements and be able to identify the components of financial statements including the Balance Sheet, Income Statement, Statement of Cash Flows, and Reconciliation of Net Worth.
• Know how to read the Notes to Financial Statements and identify latent Notes which may have a major impact on the operating performance of a credit.
• Know how to spread the financial statements consistently and interpret ratio analysis so that trends can be identified.
• Know how to perform a detailed Cash Flow Analysis by calculating the sources and uses of funds from one accounting period to another.
• Know how to prepare financial projections based upon assumptions provided by the borrower, then to test those assumptions by utilizing sensitivity analysis.
• Know how to calculate the Sustainable Growth Rate and understand how varying rates of growth will impact the financial condition of the borrower.
• Know how to identify factors which may impact the ability to repay debt obligations and to document the finding in a written credit analysis memorandum.
• Know how to calculate the break-even point which is important in determining the minimum level of activity required to generate sufficient cash flow to repay debt obligations.
• Know how to perform industry comparison analysis utilizing Standard Industry Codes.
• Understand how to grade a loan after the analysis is completed.

PREREQUISITES

In order to obtain the greatest benefit from this course, participants should have a general understanding of Accounting and have a basic understanding of financial statement and credit analysis.

CONTINUING EDUCATION CREDIT

This course will provide up to 6 hours of continuing education credit for CPA’s and Certified Commercial Lenders. PACB is an approved provider of the PA State Board of Accountancy.

ABOUT THE PRESENTER

Jeffrey Johnson, Executive Vice President, Senior Consultant, Bankers Management, Inc.
Jeffrey Johnson more than 25 years’ experience in the banking space. Most of Johnson’s career has been spent on the sales, lending and credit analysis side of banking. He has managed several loan portfolios at regional and community banks, representing a cross-section of loan types. Johnson is lead instructor at CBAI’s Commercial Lending Institute and is a faculty member at the CBAI’s Midwest School for Community Bankers. He also conducts extensive training for the Community Bankers Associations of Georgia, Illinois, and other community banking Associations. He is a graduate of Morehouse College, Atlanta; John Carroll University, University Heights, Ohio; and Prochnow Graduate School of Banking, Madison, Wisconsin. Johnson received his graduate certificate in bank management from Wharton School of Business at the University of Pennsylvania, Philadelphia.

LODGING

The PACB has a special rate at the Radisson Hotel Harrisburg. 150 Camp Hill Bypass, Camp Hill, PA. Please contact the hotel directly at 717-763-7117 for reservations. Please mention the PA Association of Community Bankers to secure the special rate.

Nov
8
Fri
Retail Banking Seminar 2019 @ Radisson Hotel Harrisburg
Nov 8 @ 8:30 am – 3:30 pm

Friday, November 8, 2019
Radisson Hotel Harrisburg
1150 Camp Hill Bypass, Camp Hill, PA 17011

 

REVIEW AND REGISTER

To review program details and register by mail, please download the REGISTRATION BROCHURE

To register online, please complete the ONLINE REGISTRATION FORM


COURSE AGENDA

8:30am: Registration and Continental Breakfast

9:00am: Stop Selling and Start Connecting: Why Your Marketing Program Isn’t Working!
Presented by: Patrick Dix, VP Strategic Alliances, SHAZAM, Inc.
It’s not enough to be your community’s “Hometown Bank”. You can’t just tell a potential customer it’s “your people” that make the difference. The number of years you’ve been in business doesn’t mean anything to your potential customer. Information is coming at your customers and your potential customers faster than ever. The volume can turn to white noise if you don’t stop and pay attention to how you target customers, when they see your message, where you deliver that message and how you tell your institution’s story. This session explores the ways digital media is changing the way we market to customers, the new ways customers are digesting the information you serve up and how you can differentiate your message by connecting with customers instead of trying to sell to them.

10:00am: Weeding Through the Risks of Banking the Cannabis Industry
Presented by: Terri Luttrell CAMS – Audit, Audit, Senior Manager of Strategy, Abrigo
Thirty states have now legalized medical or recreational marijuana, but the fact remains that it is still illegal at the federal level. What about hemp and CBD? Are they now legal and safe to bank with the passing of the Farm Bill? Financial Institutions have been hesitant to provide traditional banking services to these businesses, forcing a cash-only climate with much of the cash moving underground and putting communities at risk. Learn the risks of banking MRBs and learn tips on how to succeed if your financial institution decides to take on these businesses.

11:00am: Networking Break

11:15am: Effective Approaches to Omnichannel Marketing – Strategies, Tactics, and ROI
Presented by: John Pastor, Regional Sales Manager-Analytics & Marketing, Baker Hill
Not sure what to do with all of your data? You are not alone. This session will help you understand strategies and tactics you can use to grow loans using the data you already have. This includes ways to segment your data to reveal where your opportunities are, who to target first, and how to do it within your budget. This presentation relates to use of technology to determine how to market a variety of products to achieve maximum results.

12:15pm: Lunch

1:05pm: How Commerce Is Being Redefined: Keeping Pace with Evolving Consumer Expectations
Presented by: Matt Herren, Director of Payment Services, Computer Services, Inc.
Today’s customer expects more. More options, more security, and a better overall experience. It is not enough to just offer innovative products and services – it is critical to explain to consumers how these changes will benefit them. In this session, we will discuss the transition to a more secure payment card ecosystem and how emerging financial technology will fit in to our collective future – from Contactless cards to tokenization, digital wallets, and what payments will evolve into over the next decade. The rate and pace of change has never been this fast, yet it will never be this slow again. It is imperative that all institutions understand the consumer challenges currently faced in the financial technology world, and more importantly, how the industry is planning to address them.

2:05pm: Networking Break

2:15pm: Quarterbacking Retail Deposits
Presented by: Neil Stanley, CEO/Founder, The CorePoint
Managing the process of effectively competing for local deposits to properly fund earning assets is becoming increasingly challenging. This session will explore the many ways bankers can enhance their approach to optimize deposit gathering results. The old idea that we just have to pay more to get more is out of touch. Gathering and retaining properly-priced retail deposits in this environment requires enhanced products, processes, preparation, people, pricing, promotion, and presentation. Front line bankers must read and react to each opportunity as they present a sequence of options designed to make the most profitable financing impact regarding each individual funding alternative. When consistently practiced, upgraded approaches create the flexibility to adjust and deliver superior financial results while simultaneously providing the required balance sheet funding.

In this interactive session we will share practical insights about how the most successful banks are growing properly-priced, long-term retail deposits. Attendees will glean new ideas about products and approaches that cover the funding spectrum from simple to complex, from the essentials required to attract and retain stable core deposits to aggressive campaigns that create sensibly-priced deposit growth.

3:15pm: Closing Remarks and Q&A Session

3:30pm: Seminar Adjourns

WHO SHOULD ATTEND?

Retail Managers, Retail Staff, Operations Officers, COOs, and Senior Management.

CONTINUING EDUCATION CREDIT

This course will provide up to 5 hours of continuing education credit for CPA’s and Certified Commercial Lenders. PACB is an approved provider of the PA State Board of Accountancy.

LODGING

The PACB has a special rate at the Radisson Hotel Harrisburg. 150 Camp Hill Bypass, Camp Hill, PA. Please contact the hotel directly at 717-763-7117 for reservations. Please mention the PA Association of Community Bankers to secure the special rate.