Retail Banking Seminar 2019

Retail Banking Seminar 2019

November 8, 2019 @ 8:30 am – 3:30 pm
Radisson Hotel Harrisburg
1150 Camp Hill Bypass
Camp Hill
PA 17011
Evelyn Sponsler

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



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

To register online, please complete the ONLINE REGISTRATION FORM


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


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


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.


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.