Conference Tracks:
Operations, Payments, and Technology
Security Management and Fraud Protection
Sales and Marketing

Attend ACB’s 2006 National Operations, Security and Technology Conference and National Sales and Marketing Conference, held in conjunction to help facilitate the integration of these critical bank functions. Learn the latest trends in operations, payments, security, and technology developments, plus innovative marketing and sales strategies. Whether you are CEO, senior executive, or a marketing and sales professional, these power- packed conferences give you the tools you need to attract business, build relationships, and increase revenues.

General Session topics bridge the gap between operations, security, sales and marketing. Customize your conference agenda by participating in any concurrent session. In addition, the Marketplace features the latest products and services for financial institutions and provides the perfect opportunity to network with a broad audience of attendees.

2006 National Retail banking Conference Advisory Board
This Conference was developed by bankers, for bankers like you. ACB thanks the Retail Banking, Operations, Security & Technology Committee, Electronic & Electronic Payment Systems Committee and the Marketing & Public Relations Committee for creating this top-notch conference.

to top
 

Operations, Payments, and Technology Track Imaging Records – Winning Strategies to Take the Enterprise Paperless An increasing number of banks are utilizing image technology to transform their banks into paperless enterprises. This program will explore some of the ways banks are utilizing electronic documents including e-mortgages, e-statements, electronic disclosures and electronic document retention. Learn about the latest technologies; understand the opportunities/risks involved and examine record retention requirements. Item Processing Update-Image Exchange and Remote Presentment The item-processing revolution initiated by Check21 two years ago continues to gain momentum with the number of paper items moving through the payment system decreasing at a dramatic rate. Image exchange, distributed capture, electronic check presentment (ECP), lockbox conversion, and integrated return processing are all helping shape the business case for the next generation of item processing. Examine lessons learned from early adopters and learn about new ways to minimize fraud and eliminate duplicates. FFIEC Customer Authentication Guidance: Requirements and Solutions In October 2005, the Federal Financial Institutions Examination Council (FFIEC) released guidance, Authentication in an Internet Banking Environment, requiring banks to conduct a risk-based assessment of customer authentication procedures in use to protect sensitive information. Banks were called to examine their reliance on basic password systems to protect online banking transactions. The FFIEC guidance will lead to additional security to restrict access to online accounts. This panel will discuss the regulatory intent of the guidance as well as compliance strategies. Payment Cards: Maximizing Income and Minimizing Risk The payment card industry is expanding at a rapid rate from credit to debit to stored value to payroll cards and beyond. This panel will discuss how banks can take advantage of the opportunities created by payment cards while managing the associated risk. Learn more about the risk/reward analysis of debit vs. credit and how different card types can build loyalty. Competing in the Evolving Bill Payment/Presentment Marketplace The bill payment and presentment marketplace continues to evolve with new opportunities for community banks to strengthen customer relationships. This program will focus on new products, strategies for promoting customer adoption, and examining new payment/billing related initiatives such as the Electronic Billing Information Delivery Service (EBIDS) pilot program. Combating Insider Threats Insider threats are the single biggest threat to any banks information security program. Effective use of technology, employee background checks, and establishing a corporate culture that can identify the telltale signs of potential insider abuse are key components to mitigating insider threat risk. Examine the behavioral and technical analysis of illicit insider computer crimes with representatives from the U.S. Secret Service and review banking regulators expectations for background screening. International Payment Opportunities Economic opportunity has attracted immigrants to the United States for two hundred years and it continues today. Often, new immigrants use their incomes to support family members that have remained behind in their native country. Learn how banks can increase their customer base by processing these international remittances profitably and efficiently.

Security Management and Fraud Protection Track A CERTIFICATE OF SECURITY MANAGEMENT TRAINING WILL BE AWARDED UPON COMPLETION OF SECURITY PROGRAM. Organized Crime in Banking The world is changing and with it the types of attacks being used against your financial institution. This session covers extortion, gang activities, and organized crime techniques. Spotlight on Forged and Altered Documentation Financial Institutions across the country have been taking losses with U.S. Postal Orders, fraudulent ID’s and bogus loan documentation. This session teaches you skills to identify these items and protect your institution. The Bank Security Officer The Security Officer role is one of the most demanding roles in the financial institution. This session will review the requirements the Security Officer must fulfill to accomplish their duties as it relates to banking regulations and the standards of the industry. *****This session is mandatory for anyone receiving the “Certificate of Security Management Training.” 101 Digital – CCTV Financial institutions are converting to digital formats and finding that the vendors speak in a new language. Some institutions have found that the new systems they have installed are inferior to their old analog VCR systems. In this session we will learn vendor “speak” what it means and how to analyze what you need to protect your institution. You are not alone, understand what you are asking and what they are saying. Robbery Awareness Your financial institution can make itself a target for robbers! In this session we will review the steps and procedures financial institutions should enact to help protect staff and the public. Learn how most robbers case your institution and what specific steps you can take to reduce your chances of robbery. Technologies to Protect the Bank How is technology helping bankers defend their financial institution, personnel, and customers? Learn about the latest technology for the security officer. Managing Money Laundering Risk-Beyond BSA/SAR/CTR The Federal Government has made it clear that the focus and intent is for financial institutions to deter, detect, and report money laundering attempts. Review what patterns your bank should be looking for and how to report it.

Sales and Marketing Track PR on the Fly: Dealing with the Media & Crises Management Hear from a public relations expert on how to manage your communications with the media. Learn how to lay the groundwork and manage ongoing efforts for large and small crises. "Women…Opportunity #1" Women control more money than ever – – 7 trillion in consumer and business spending. This session examines current research which reveals this major marketing opportunity. Plus, it gives guidance on how to and how not to market to women. Mastering CRM: Unleashing the Power of Your Customers Most banks have not tapped into the wealth of information in their own customer files, nor established effective retention strategies. Learn how to unearth and apply customer data to manage your customer relationships for life. Starting With the Customer: Evaluating Customer Satisfaction Banks evaluate customer satisfaction in order to gauge service levels, determine customer trends, and prioritize new product development. Learn strategies and best practices for community bank marketers. New Product Development Trends Hear from experts on what consumers are looking for in financial services, what your competitors (bank and nonbank) are doing and how to respond in a competitive, cluttered marketplace. Safe Marketing: Making Sure You’re In Compliance Our expert covers all the key regulations that affect bank marketing, including advertising disclosure. Learn what you need to know to promote your bank’s services while staying in compliance. Also, complying with the new Do-Not-Call and Do-Not-Fax Laws. Many marketers are moving toward permission-based contact to improve their effectiveness, but it’s also the law for calls and faxes. Learn how to ensure your bank is in compliance when using these prospecting mediums. Skills for the Bank CMO The role of the chief marketing officer has grown to greater importance in implementing the bank’s strategic plan. Learn key techniques for success including working effectively with people across the bank.

Federal Reserve Town Hall Forum
Wednesday, March 21, 7:30 a.m. – 8:30 a.m.
Join senior officials from the Federal Reserve Board of Governors and the Federal Reserve Banks to discuss policy and payment operations issues important to community banks. This interactive forum includes brief presentations by senior Fed staff and the opportunity for bankers to address their questions and concerns. Topics include: item processing, Check21, ACH operations, Fed research, and new operations oriented regulations and initiatives

to top
 

Information Security Program – Beyond the Regulatory Requirements
Fee: ACB Member: $150, Non-Member: $225

Inadequate information security programs continue to be one of the most frequently cited issues by bank examiners. In this session, you actively participate in the development of an information security program that includes development of policies and procedures, business continuity plans, incident response programs, and other key security controls. The program is intended to go beyond what is required by bank regulators providing participants with a working framework to help better mange information security at their banks.

Kevin F. Streff, PhD
Dakota State University
Director, Center for Information Assurance
College of Business & Information Systems
Madison, SD

1 p.m. – 5 p.m.
Optional Education Session

Community Bank Payment Card Management
Fee: ACB Member: $150, Non-Member: $225

With payment card growth continuing at a torrid pace and competition increasing, community banks need to be ever diligent to offer competitive products, manage risks, increase customer use, and obtain new customers. This fast paced workshop covers a wide array of issues from strengthening loyalty and reward programs, offering new products (e.g., payroll, prepaid, etc.), managing risk, and dealing with compromised card losses

1 p.m. – 5 p.m.
Optional Education Session

How to Write and Design Successful Promotional Materials

Part I: Sunday, March 19, 1 p.m. – 3 p.m.
Part II: Sunday, March 19, 3 p.m. – 5 p.m.
Fee: ACB Member: $150, Non-Member: $225

Learn strategies to create high-impact ads, e-mails, newsletters, brochures, reports, flyers, websites, and everything else you want people to read. Part I covers how setting action-oriented objectives and understanding your audience segments are key to creating effective promotional strategies and get the tools to generate results-producing copy (i.e., 12 Hallmarks of Excellences, the Empathy Index, the Gunning Fog Index, Six Styles of Winning Copy, et al). In Part II find out how to critique designs using checklists and tools for analysis. Learn to test whether your promotional messages are clear and whether your emphasis is correct. Discover how fonts are likely to be perceived, and how to select those that create just the image you seek-while maintaining readability.

Jane K. Cleland
Author, Curriculum Developer, and Corporate Trainer and Facilitator
New York, NY

1 p.m. – 2 p.m.
Optional Education Session

Security Officer 101 – A Forum for Beginning Security Officers
Fee: ACB Member: $125, Non-Member: $175
(fee is for both security sessions from 1 p.m.- 3 p.m.)

This workshop introduces new security officers to the expanding roles and responsibilities of a financial institution security professional. Participants review the basic requirements of a board appointed security officer and discuss best practices for management reporting, physical security, investigations, and other security related issues. Experienced security officers share their knowledge on the pitfalls, roadblocks, and opportunities for strengthening security programs at their bank.

Craig A. Almquist
Facilities & Security Director
MidCountry Bank
Hutchinson, MN

Bert Chesterton
Vice President
Cambridge Savings Bank
Cambridge, MA

Arvin Clar
Financial Crimes Unit
Cleveland Police Department
Cleveland, OH

Mark A. McKinnon
Senior Vice President
Dedham Institution for Savings
Dedham, MA

Barry Thompson, CRCM
Managing Partner
Thompson Consulting Group, LLC
Oswego, NY

2 p.m. – 3 p.m.
Optional Education Session

Security Officer Review
This interactive session for security officers of any skill level helps participants get the most out of their conference experience. Topics include: new security technology and equipment, dealing with law enforcement, case management, and reviewing the latest bank scams. Security officers share their experiences in dealing with balancing security needs, mitigating internal fraud risk, providing access to customers, and other security related topics.

Craig A. Almquist
MidCountry Bank

Bert Chesterton
Cambridge Savings Bank

Arvin Clar
Cleveland Police Department

Mark A. McKinnon
Dedham Institution for Savings

Barry Thompson, CRCM
Thompson Consulting Group, LLC

5 p.m. – 6 p.m.
Meet & Greet Reception in the Marketplace

Monday, March 20, 2006

7 a.m. – 5 p.m.
Registration

7 a.m. – 8 a.m.
Optional Business Solutions Sessions with Continental Breakfast

7:30 a.m. – 8 a.m.
Continental Breakfast

8 a.m. – 10:15 a.m.
General Session

Welcome
Presiding Officer:
Roy A. Balkus
Chair, 2005 Retail Banking, Operations & Technology Committee
Vice President/Technology
Naugatuck Savings Bank
Naugatuck, CT

Top 10 Frauds Perpetrated Against Banks Today
In this entertaining and educational session, Chuck demonstrates how people from every walk of life fall for every type of scam imaginable. Using undercover videotapes, he covers such topics as identity theft, cyber crimes, health care fraud, business fraud, investment scams, and common street scams. Chuck is a well-respected consumer advocate and a nationally recognized expert on scams, he has shared his knowledge and experiences on numerous radio and television programs including the Oprah Winfrey Show, Today on NBC, and CNN’s Your Money.

Chuck Whitlock
Investigative Reporter
Vancouver, WA

Payments Convergence and the State of the Marketplace
Mr. McEntee shares insights on the current state of the payments marketplace. He is the President and CEO of NACHA – The Electronic Payments Association. NACHA is a nonprofit banking trade association that promulgates the rules and operating guidelines for electronic payments including the ACH Network. Prior to joining NACHA, Mr. McEntee was an Associate Director on the staff of the Board of Governors of the Federal Reserve System. He was responsible for managing a function that oversees the nation’s payments mechanism and financial services the Federal Reserve provides to banks, thrift institutions and the United States Government.

Elliot McEntee
President and CEO
NACHA-The Electronic Payments Association
Herndon. VA

Creating Value in a Crowded Marketplace
Ms. Cleland draws on her more than 20 years experience in business communications to show you how to create value in a competitive industry. She has helped many thousands of business professionals create strategic marketing plans that produce bottom line results. Her clients include American Express, the American Management Association, Pepsi, Pfizer, PricewaterhouseCoopers, as well as universities and government agencies. Jane’s had four books published on communication topics, most recently, Business Writing for Results.

Jane K. Cleland
Author, Curriculum Developer, and Corporate Trainer and Facilitator
New York, New York

10:15 a.m. – 11 a.m.
Networking Refreshment Break in the Marketplace

11 a.m. – 12:15 p.m.
Concurrent Session

Tracks:
 
Operations, Payments, and Technology
Security Management and Fraud Protection
Sales and Marketing

Imaging Records – Winning Strategies to Take the Enterprise Paperless
An increasing number of banks are utilizing image technology to transform their banks into paperless enterprises. This program will explore some of the ways banks are utilizing electronic documents including e-mortgages, e-statements, electronic disclosures and electronic document retention. Learn about the latest technologies; understand the opportunities/risks involved and examine record retention requirements.

Thomas L. Frale , Jr., CTP
Senior Vice President
International Consulting Inc.
Elk Grove Village, IL

Gabe Minton
Executive Vice President
Mortgage Industry Standards Maintenance Organization
Washington, DC

Moderator:
Larry Turner
Senior Vice President & CIO
First Bank Richmond, N.A.
Richmond, IN

Organized Crime in Banking
The world is changing and with it the types of attacks being used against your financial institution. This session covers extortion, gang activities, and organized crime techniques.

Arvin Clar
Cleveland Police Department

Moderator:
Pamela E. Andrews
Vice President Loss Prevention and Security Officer
Bank of the Keys
Homestead, FL

PR on the Fly: Dealing with the Media & Crises Management
Hear from a public relations expert on how to manage your communications with the media. Learn how to lay the groundwork and manage ongoing efforts for large and small crises.

Chuck Whitlock
Investigative Reporter

9 a.m. – 11 a.m.
Spouse and Guest Hospitality Room

12:15 p.m. – 1:15 p.m.
Lunch on Your Own

1:15 p.m. – 1:45 p.m.
Dessert Break in the Marketplace

1:45 p.m. – 3 p.m.
Concurrent Session

Tracks:
 
Operations, Payments, and Technology
Security Management and Fraud Protection
Sales and Marketing

Item Processing Update—Image Exchange and Remote Presentment
The item-processing revolution initiated by Check21 two years ago continues to gain momentum with the number of paper items moving through the payment system decreasing at a dramatic rate. Image exchange, distributed capture, electronic check presentment (ECP), lockbox conversion, and integrated return processing are all helping shape the business case for the next generation of item processing. Examine lessons learned from early adopters and learn about new ways to minimize fraud and eliminate duplicates.

Brian Egan
Vice President
Federal Reserve Bank of Chicago
Chicago, IL

Marcell King
Vice President, Sales
Open Solutions, Inc.
Glastonbury, CT

Ted Umhoefer, FISERV
Senior Vice President
Fiserv, Inc.
Brookfield, WI

Moderator:
Kade Peterson
Senior Vice President
Sterling Savings Bank
Spokane, WA

Spotlight on Forged and Altered Documentation
Financial Institutions across the country have been taking losses with U.S. Postal Orders, fraudulent ID’s and bogus loan documentation. This session teaches you skills to identify these items and protect your institution.

David Battle, CFE
Security Practitioner
David Battle Resources
St. Louis, Missouri

Moderator:
Gary Sechen
Chief Financial Officer/Vice President
Key West Bank
Key West, FL

Marketing
"Women…Opportunity #1"
Women control more money than ever – – 7 trillion in consumer and business spending. This session examines current research which reveals this major marketing opportunity. Plus, it gives guidance on how to and how not to market to women.

Kevin Tracey
President
tracey/edwards/oneil
Manchester, NH

3 p.m. – 3:30 p.m.
Networking Refreshment Break in the Marketplace

3:30 p.m. – 4:45 p.m.
Concurrent Session

Tracks:
 
Operations, Payments, and Technology
Security Management and Fraud Protection
Sales and Marketing

FFIEC Customer Authentication Guidance: Requirements and Solutions
In October 2005, the Federal Financial Institutions Examination Council (FFIEC) released guidance, Authentication in an Internet Banking Environment, requiring banks to conduct a risk-based assessment of customer authentication procedures in use to protect sensitive information. Banks were called to examine their reliance on basic password systems to protect online banking transactions. The FFIEC guidance will lead to additional security to restrict access to online accounts. This panel will discuss the regulatory intent of the guidance as well as compliance strategies.

Marc Gaffan
Cyota
New York, NY

Jeff Kopchik
Senior Policy Analyst
Federal Deposit Insurance Corporation
Washington, DC

Tom Oscherwitz
Vice President of Government Affairs & Chief Privacy Officer
ID Analytics, Inc.
San Diego, CA

Moderator:
Sidney “Chip” Corbett
First Vice President
Hoyne Savings Bank
Chicago, IL

The Bank Security Officer
The Security Officer role is one of the most demanding roles in the financial institution. This session will review the requirements the Security Officer must fulfill to accomplish their duties as it relates to banking regulations and the standards of the industry. This session is mandatory for anyone receiving the “Certificate of Security Management Training.”

David Battle, CFE
David Battle Resources

Barry Thompson, CRCM
Thompson Consulting Group, LLC

Mastering CRM: Unleashing the Power of Your Customers
Most banks have not tapped into the wealth of information in their own customer files, nor established effective retention strategies. Learn how to unearth and apply customer data to manage your customer relationships for life.

Jason Dias
Trainer-Historian-Consultant
Marquis Software Solutions, Inc.
Plano, TX

Tammy Gennusa
Senior Vice President, Marketing
Parish National Bank
Covington, LA

5 p.m.– 6 p.m.
Wine & Cheese Reception in the Marketplace

Tuesday, March 21, 2006

7 a.m. – 8 a.m.
Peer Group Sessions with Continental Breakfast

7:30 a.m. – 8 a.m.
Continental Breakfast

8:00 a.m. – 10 a.m.
General Session

Presiding Officer:
Thomas M. Caron
President & CEO
Bank of Easton
North Easton, MA

The Story of a Community Bank: A Rebranding Success
With more than 20 years of banking and financial management experience, Mr. Merritt shares techniques on how to integrate your marketing goals with operations. Discover key factors for effective marketing, strategies to increase your bank’s exposure, and method’s to train your staff to implement your brand.

Edward Merritt
President & CEO
Mt. Washington Bank
Boston, MA

The New Banking Superplatform –What’s in Store for the Future of Branch Banking
Get a preview of the technology Microsoft is developing specifically for the financial services market. Mike is responsible for defining and developing a single solutions-based architecture for Microsoft within Financial Services and works to enable secure, reliable, and scaleable enterprise level solutions for banking, capital markets, and insurance companies.

Michael K. Wons
Sr. Platform Strategy Advisor
National Architecture Team
Financial Services Group
Microsoft Corporation
Downers Grove, IL

Market Signals: What the Financial Markets are Telling Us About the Future
“If the majority of people were right, the majority of the people would be rich…and they’re not!” Following the herd has rarely produced superior long-term results. Peter shares his informative and entertaining perspective on financial markets, the importance of proper diversification and the cyclical nature of both stocks and investment sectors. He also tells us about the unusual securities research program he heads up with his students.

Peter Ricchiuti
Director of Research
Tulane University
A.B. Freeman School of Business
New Orleans, LA

9 a.m. – 11 a.m.
Spouse and Guest Hospitality Room

10 a.m. –10:30 a.m.
Networking Refreshment Break in the Marketplace

10:30 a.m. – 11:45 a.m.
Concurrent Session

Tracks:
 
Operations, Payments, and Technology
Security Management and Fraud Protection
Sales and Marketing

Payment Cards: Maximizing Income and Minimizing Risk
The payment card industry is expanding at a rapid rate from credit to debit to stored value to payroll cards and beyond. This panel will discuss how banks can take advantage of the opportunities created by payment cards while managing the associated risk. Learn more about the risk/reward analysis of debit vs. credit and how different card types can build loyalty.

Les G. Anderson
Assistant Vice President – Enhancement Sales
Fidelity National Information Services
St. Petersburg, FL

Mark MacCarthy
Senior Vice President, Public Policy
Visa, USA
Washington, DC, 20036

Moderator:
Steve C. Haen
Compliance & Security Officer
East Wisconsin Savings Bank
Kaukauna, WI

101 Digital – CCTV

Financial institutions are converting to digital formats and finding that the vendors speak in a new language. Some institutions have found that the new systems they have installed are inferior to their old analog VCR systems. In this session we will learn vendor “speak” what it means and how to analyze what you need to protect your institution. You are not alone, understand what you are asking and what they are saying.

Kevin Surette
Surette Consulting and Investigations
Litchfield, Maine

Moderator:
Bert Chestertonn
Cambridge Savings Bank

Starting With the Customer: Evaluating Customer Satisfaction
Banks evaluate customer satisfaction in order to gauge service levels, determine customer trends, and prioritize new product development. Learn strategies and best practices for community bank marketers.

Frank Aloi
President & CEO
Ath Power
Andover, MA

Edward Merritt
President & CEO
Mt. Washington Bank
Boston, MA

1 p.m. – 2:15 p.m.
Concurrent Sessions

Tracks:
 
Operations, Payments, and Technology
Security Management and Fraud Protection
Sales and Marketing

Competing in the Evolving Bill Payment/Presentment Marketplace
The bill payment and presentment marketplace continues to evolve with new opportunities for community banks to strengthen customer relationships. This program will focus on new products, strategies for promoting customer adoption, and examining new payment/billing related initiatives such as the Electronic Billing Information Delivery Service (EBIDS) pilot program.

Kelli Schultz
President
IPay Technologies
Elizabethtown, KY

Dennis Simmons
President & CEO
SWACHA
Dallas, TX

Moderator:
Abraham L. Nader
Senior Vice President
Dollar Bank
Pittsburgh, PA

Robbery Awareness
Your financial institution can make itself a target for robbers! In this session we will review the steps and procedures financial institutions should enact to help protect staff and the public. Learn how most robbers case your institution and what specific steps you can take to reduce your chances of robbery.

Barry Thompson, CRCM
Thompson Consulting Group, LLC

Moderator:
Paul Allen
Vice President/Security Officer
First Bank Richmond, N.A.
Richmond, IN

New Product Development Trends
Hear from experts on what consumers are looking for in financial services, what your competitors (bank and nonbank) are doing and how to respond in a competitive, cluttered marketplace.

Joseph R. Sullivan
President & CEO
Market Insights, Inc.
Chicago, IL

2:15 p.m. – 2:45 p.m..
Refreshment Break in the Marketplace

2:45 p.m.
Marketplace Closes

3 p.m. – 4 p.m.
General Session

One Bank’s Response to a Natural Disaster
Hurricane Katrina roared into New Orleans causing extensive damage that worsened into the greatest natural disaster in U.S. history when the levees failed the next day. Learn how one New Orleans Bank faced the challenge. Mike Nolan of the Fifth District Savings Bank will discuss the value of disaster planning and how his bank restarted operations when 70% of the city was underwater. The value of banking trade associations and the expectations of regulators in extreme situations will also be addressed.

Mike Nolan
Chairman, President & CEO
Fifth District Savings Bank
New Orleans, LA

4:15 p.m. – 5 :30 p.m.
Concurrent Session

Tracks:
 
Operations, Payments, and Technology
Security Management and Fraud Protection
Sales and Marketing

Combating Insider Threats
Insider threats are the single biggest threat to any banks information security program. Effective use of technology, employee background checks, and establishing a corporate culture that can identify the telltale signs of potential insider abuse are key components to mitigating insider threat risk. Examine the behavioral and technical analysis of illicit insider computer crimes with representatives from the U.S. Secret Service and review banking regulators expectations for background screening.

Michael B. Benardo
Chief, Cyber-Fraud and Financial Crimes Section
Division of Supervision and Consumer Protection
Federal Deposit Insurance Corporation
Washington, DC

Ed Petersen
Vice President, Business Development
Intelius, Inc.
Bellevue, WA

Steve Ward
Special Agent
U.S. Secret Service
Miami, FL

Moderator:
Bryan Nash
Vice President
McHenry Savings Bank
McHenry, IL

Technologies to Protect the Bank
How is technology helping bankers defend their financial institution, personnel, and customers? Learn about the latest technology for the security officer.

Peter Kennedy
Director of Business Development
Wilson Group
Farmington Hills, MI

Bob Kim
Chief Relationship Officer
Bankers Toolbox
Los Angeles, CA

Lawrence T. Levine
Managing Director and Co-Founder
SecurePipe, Inc.
Troy, VA

Moderator:
Mark A. McKinnon
Dedham Institution for Savings

Safe Marketing: Making Sure You’re in Compliance
Our expert covers all the key regulations that affect bank marketing, including advertising disclosure. Learn what you need to know to promote your bank’s services while staying in compliance. Also, complying with the new Do-Not-Call and Do-Not-Fax Laws. Many marketers are moving toward permission-based contact to improve their effectiveness, but it’s also the law for calls and faxes. Learn how to ensure your bank is in compliance when using these prospecting mediums.

Paul Hancock, Esq.
Hogan & Hartson LLP
Miami, FL

6 p.m. – 7 p.m.
Reception

Wednesday, March 22, 2006

7:30 a.m. – 12 Noon
Registration

7:30 a.m. – 8:30 a.m.
Federal Reserve Town Hall Forum with Continental Breakfast
Join senior officials from the Federal Reserve Board of Governors and the Federal Reserve Banks to discuss policy and payment operations issues important to community banks. This interactive forum includes brief presentations by senior Fed staff and the opportunity for bankers to address their questions and concerns. Topics include: item processing, Check21, ACH operations, Fed research, and new operations oriented regulations and initiatives.

Moderator:
Kade Peterson
Sterling Savings Bank

Sales & Marketing Peer Group Session with Continental Breakfast

8:30 a.m. – 9 a.m.
Continental Breakfast

9 a.m. – 10:15 a.m.
Concurrent Session

Tracks:
 
Operations, Payments, and Technology
Security Management and Fraud Protection
Sales and Marketing

international Payment Opportunities
Economic opportunity has attracted immigrants to the United States for two hundred years and it continues today. Often, new immigrants use their incomes to support family members that have remained behind in their native country. Learn how banks can increase their customer base by processing these international remittances profitably and efficiently.

Jeffrey Levy
Vice President, Global Payment Services
Wachovia Bank N.A.
Philadelphia, PA

Kai Schmitz
COO/EVP
Alante Financial
Washington, DC

Managing Money Laundering Risk—Beyond BSA/SAR/CTR
The Federal Government has made it clear that the focus and intent is for financial institutions to deter, detect, and report money laundering attempts. Review what patterns your bank should be looking for and how to report it.

Robert A. Goldfinger, CAMS
Vice President, Business Development
Focus Technology Group
West Peabody, MA

Moderator:
Tom Lamphere
Vice President, Security
Partners Trust Bank
Binghamton, NY

Skills for the Bank CMO
The role of the chief marketing officer has grown to greater importance in implementing the bank’s strategic plan. Learn key techniques for success including working effectively with people across the bank.

Joseph Curcio
Vice President of Marketing
Ridgewood Savings Bank
Ridgewood, NY

Lisa Michelone
Senior Vice President
Reliance Bank
Altoona, PA

Moderator:
Thomas M. Caron
Bank of Easton
 

10:15 a.m. – 12 Noon
Closing General Session
Presiding Officer:
Roy Balkus
Naugatuck Savings Bank

How to Claim the Future without Losing the Past
Learn how different generations respond to marketing tactics. Dr. Carner is president and founder of the bank consulting firm Carner & Associates, Ltd., which published the Bancpen Reports TM utilized by over 2500 financial institutions nationwide. He currently provides market research, cross-selling and sales management consulting to major corporations nationwide.

William J. Carner, Ph.D.
Director of the Business Foundations Program
University of Texas at Austin
Austin, TX

Translating Ideas into Action
Turn all the great ideas you heard at the conference into a practical action plan that support your bank’s strategic vision. Leading this interactive session is Jack Salvetti, Managing Principal of S.R. Snodgrass, A.C. Jack directs the firm’s Financial Services Consulting Group in the areas of strategic planning, organizational design, profit enhancement, and process improvement. He brings his visionary consulting expertise and practical financial background to the challenge of moving from inspiration to strategic alignment to implementation.

Jack Salvetti
Managing Principal,
S.R. Snodgrass, A.C.
Wexford, PA

12 Noon
Adjournment

to top