ARCSys 2019 CECL Accounting & Statistical Conference Join us in Denver, CO at Le Méridien for our 4th annual CECL accounting workshop to learn about how ARCSys helps you through the complete CECL implementation process. The changes to the allowance for credit loss are the most disruptive that financial institutions have ever faced. We understand the changes and have assembled leading experts to discuss all aspects of the new standard with you!

You Will Learn: • Gain an understanding of proposed and updated changes to the

standard • Learn how to recognize and use credit quality indicators necessary for

modeling and disclosures • Learn the best practices in CECL implementation • Learn the importance of data aggregation and the effects on your

modeling and results • Become familiar with how to monitor and use economic data as part of

your analysis and forecasting • Gain a detailed understanding of the top three CECL models including

Discounted Cash Flow, Probability of Default and Reversion Models • Get examples of methods of data aggregation and detailed models • Understand the effects of your data on your model results • Understand what new policies, processes and controls may be

necessary for you to implement • Get a detailed roadmap of ARCSys CECL model availability and

timelines for your implementation

Details: LOCATION & ACCOMMODATION Le Méridien Denver Downtown 1475 California Street, Denver, Colorado 80202 To reserve your room use the link below to book online: https://book.passkey.com/go/ARCSysConferenceLeMeridien Conference Room Rate: $259 Single King/Double Queen Deadline for Special Rate: September 20th, 2019

ATTIRE Business-casual attire is appropriate.

CPE CREDIT Earn up to 17 hours of CPE credits Level: Intermediate Field of Study: Accounting, Statistics, Economics, Business Management & Organization, and Computer Software & Application Instructional Method: Live-Group Prerequisites: Experience in bank accounting, lending, or analytics Advanced Preparations: None

PRICING Day one & two - $950

Program:

7:30 AM - 8:30 AM Registration & Breakfast

8:30 AM to 9:30 AM CECL Update — Mike Umscheid (Accounting: 1.2 CPE Credit Hours) • Discuss FASB TRG meeting and changes to the standard

9:30 AM to 10:30 AM CECL Data Implementation Issues — Alexandria Payne and Casey Tutor, ARCSys (Business Management & Organization: 1.2 CPE Credit Hours) • Understand common data issues and errors • Understand modeling risks with your data and assumptions • Understand how different data will affect your volatility

10:30 AM to 10:45 AM Break

10:45 AM to 12:00 PM What “Reasonable and Supportable” Will Mean to Auditors – Diana Cordeiro, CFGI (Auditing: 1.5 CPE Credit Hours) • Understanding what evidence will be necessary for historical and current loan data • Understanding evidence necessary for forecasting using external factors • How third-party data will affect your analysis and your work effort

12:00 PM to 1:00 PM Lunch Buffet

1:00 PM to 2:15 PM CECL Economic Forecasts and Data – Fred Eisel, VIZO Financial (Economics: 1.5 CPE Credit Hours) • Review of the Fed and projections for future short-term rate changes and monetary policy • Discussion of the current economic environment • Identify key economic indicators you need to focus on and projections for the next few years • Evaluate the overall risks in the economy going into 2020 and beyond • Illustrate how the consumer will be impacted by this future economy

THURSDAY, OCTOBER 17TH, 2019

2:15 PM to 3:15 PM Determining the Correct Segment Class Structure — Alexandria Payne and Casey Tutor, ARCSys (Statistics: 1.2 CPE Credit Hours)

• Understanding initial data analysis and issues • Understand various methods for data risk analysis and pooling estimation • Understanding reasonable and supportable evidence to support your pooling risk assessments

3:15 PM to 3:30 PM Break

3:30 PM to 4:30 PM Forecasting in CECL — Alexandria Payne, ARCSys (Statistics: 1.2 CPE Credit Hours) • Gain and understanding of ARCSys regression models used and how they are applied to data sets • Understand in the results of the coefficients- Q factors • Understand selected coefficients and how they work together • Understand how the segment structure works directly with forecasting results

5:00 PM to 7:00 PM Welcome Reception • Sponsored by CFGI

7:30 AM to 8:30 AM Breakfast

8:30 AM to 9:30 AM Cybersecurity Practices—Dean Rodil, ARCSys (Business Management & Organization: 1.2 CPE Credit Hour) • Overview of ARCSys cybersecurity practices and applicable cybersecurity strategies • Learn why having a resilient data recovery strategy is vital

9:30 AM to 10:45 AM Examples of Over-The-Life Cycle and Full Regression Models in ARCSys—Mike Umscheid, ARCsys (Statistics: 1.5 CPE Credit Hours)

• Understand how time series models work and examples including Discounted Cash Flow and PD models • Understand how full regression models work and examples • Understand how models are adjusted using external variables and regression forecasts

10:45 AM to 11:00 AM Break

11:00 AM to 12:00 PM Investments: DCF Model — Mike Umscheid, ARCSys (Statistics: 1.2 CPE Credit Hours) • Understand how HTM and AFS modeling is different • Understand how PCD will need to be included in the purchase process • Gain an understanding of DCF models on debt securities.

FRIDAY, OCTOBER 18TH, 2019 FRIDAY, OCTOBER 18TH, 2019

12:00 PM to 1:00 PM Lunch Buffet

1:00 PM to 2:00 PM Addressing Model Risk Management —Chad Kellar, Crowe (Business Management & Organization: 1.2 CPE Credit Hours) • Gain an understanding of key model risk management requirements of institutions and vendors • Learn how MRM is changing through the CECL process including forecasting • Understand how “reasonable and supportable” standard requirements will affect your MRM analysis

2:00 PM to 3:00 PM CECL Policies, Procedures and Financial Reporting —Jillian Morrow, CFGI (Accounting: 1.2 CPE Credit Hours) • New policies and procedures you will need to consider for CECL • Examples of some policy changes you need to consider • Example financial reporting for Loans and Investments

3:00 PM to 3:15 PM Break

3:15 PM to 4:15 PM CECL Regulatory Update—Jim Nowe, The Casey Group (Business Management & Organization: 1.2 CPE Credit Hours) • New accounting standard timeline • What institutions should do to prepare for the implementation of CECL • Proposed adjustment to Regulatory Capital Definitions • What institutions should expect from their examination teams prior to the effective date • What data institutions need to implement CECL • New Capital Definitions NPR

4:15 PM to 4:45 PM ARCSys Future Software Updates and ALM & Stress Testing —Mike Umscheid, ARCSys (Statistics: 0.6 CPE Credit Hours) • Gain an understanding of ARCSys future enhancements including forecasted analytics, model risk

management, ALM, and stress testing

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MICHAEL T. UMSCHEID - CPA | President and CEO, ARCSys

Mike has been providing accounting, consulting and auditing services to financial institutions for over 30 years. Considered the “CECL Guru”, Mike was selected by the AICPA to create and deliver their 8-hour CPE course on CECL. He is a past member of the Auditing Standards Board and a published author on Accounting and Auditing for Financial Institutions. Mike has spoken at numerous AICPA conferences as well as other national and local financial institution associations. Mr. Umscheid is also the author of the 8-hour CPE course published by the AICPA for CECL. Mike is currently the President and CEO of ARCSys, a consulting firm that specializes in Allowance for Credit Loss software and CECL. He graduated from Virginia Polytechnic Institute and State University in Blacksburg, Virginia.

ing and Auditing for Financial Institutions. Mike runs multiple CECL webinar series and is the subject expert speaker at numerous national and CECL conferences each year. Mike is the President and CEO of ARCSys, a consulting firm that specializes in Allowance for Credit Loss software and CECL. He started ARCSys in 2009 with the sole purpose of building a solution for CECL and it’s challenges. He graduated from Virginia Polytechnic Institute and State University in Blacksburg, Virginia.

JILLIAN MORROW – Managing Director, CFGI Jillian is a Managing Director in CFGI’s New York office and brings over 8 years of experience serving mid-size and global financial services companies providing technical accounting assistance, operationalization of accounting standards, and financial close support for US GAAP and IFRS. She has extensive experience supporting clients as a trusted advisor in solving problems related to complex technical accounting, financial reporting, regulatory reporting, financial planning and analysis issues, and merger and acquisition transactions. As part of her advisory role, Jillian regularly assists clients in one-off technical accounting transactions. She is currently serving multiple DFAST and mid-size banks adopting CECL in performing gap assessments, developing implementation strategy, understanding data requirements, and documenting accounting policy.

ALEXANDRIA PAYNE – Director of Statistical Analytics, ARCSys Alexandria Payne is the Director of Statistical Analytics at ARCSys where she oversees the design, development, and testing of analytic and predictive machine learning models. Prior to her work with ARCSys, Alexandria was the Data Analyst and Visualization Specialist for the Knowledge and Information Services division of the National Center for State Courts where she liaised with product and research teams in order to communicate judicial assessment through interactive and comparative data analysis. She has also served as Digital Services Manager for the City of Newport News, Virginia, where she oversaw technology implementation and systems management. Alexandria is ITIL v3 certified and holds a M.S. from the University of Tennessee, Knoxville, as well as an M.B.A. from the College of William & Mary.

FRED EISEL – Chief Investment Officer, Vizo Financial Fred Eisel is Vizo Financial’s Chief Investment Officer. In this role, he is responsible for actively managing Vizo Financial’s investment portfolios as well as overseeing the Corporate’s asset/liability management and investment services. Prior to his position at Vizo Financial, Fred worked for First Carolina Corporate Credit Union for over 15 years. He also served as an investment analyst/officer for another large corporate credit union and administered the corporate’s asset/liability management service, providing ALM software implementation, education and assistance. Fred received a Bachelor of Arts degree in economics from Pennsylvania State University and a Master of Business Administration degree from Lebanon Valley College. He also attended the National Association of Federal Credit Unions’ Management Development Institute and maintains his Series 7 and 63 licenses in affiliation with Protective Securities.

DIANA CORDEIRO – Managing Director, CFGI Diana is a Managing Director is CFGI’s Boston office and brings over 19 years of experience to her clients providing solutions to complex accounting and operational challenges. Diana has worked with clients mostly in financial services including, Banking, Insurance, Specialty Finance, Fintech, Equipment Leasing, Real Estate, Property Management, and Construction. Diana has extensive experience in all aspects of financial reporting for both public and private companies. She has been supporting companies with their complex accounting matters that include, CECL, consolidation, and VIE analysis, hedging, purchase accounting, divestitures, restructurings, and stock based compensation. Diana has also led and managed various technical accounting adoptions. She has also implemented various process improvement projects targeted to provide efficiencies and additional value to executives by gaining greater insight and visibility into drivers of financial results.

DEAN RODIL – Chief Operating Officer, ARCSys Dean is the Chief Operating Officer for ARCSys. He has extensive experience defining strategy, implementing new initiatives, and managing ongoing operations teams with a focus on software development, infrastructure, and risk management. Dean has 18+ years of experience in industry and his career has been focused on large-scale, enterprise IT organizations with a concentration on application development, operations, cybersecurity, and business intelligence. Recently, Dean has worked in strategic consulting primarily focused on mergers and acquisition, technology diligence, and assessments. Prior to that Dean headed the IT group for a national insurance carrier.

CHAD KELLAR – CPA | Partner, Crowe Horwath

Chad leads Crowe’s Financial Services Advisory Practice and is overseeing Crowe’s CECL consulting services. Chad is one of the firm’s subject matter expert on the valuation and accounting for financial instruments. Chad has overseen 50+ CECL engagements for institutions in the $1B-$50B+ space including engagements with major technology vendors. Chad is overseeing the development of Crowe’s Credit360 technology platform for validation, audit and valuation of financial instruments. Chad has participated in various industry and regulatory events to provide insights and direction for CECL adoption.

Casey Tutor is the VP of Accounting Product Development and Analytics for ARCSys, where her primary responsibilities include guiding the product roadmap and software lifecycle alongside system alignment and regulatory governance. Prior to her work with ARCSys, Casey served in various accounting and financial management roles with companies such as Danchem Technologies and Kania and Associates. Casey brings experience in audit and financial systems implementation to her role.

CASEY TUTOR – VP of Accounting Product Development and Analytics, ARCSys

JAMES “JIM” NOWE – Director of Regulatory Compliance at The Casey Group

Jim Nowe has over 36 years experience in the commercial banking and regulatory arenas. Jim was a National Bank Examiner with the Office of the Comptroller of the Currency (OCC). He has served as Examiner-in- Charge and Portfolio Manager over community banks, to include problem banks, across the country. Jim has led many targeted examinations focused on commercial credit, to include extensive experience in the Shared National Credit assessing risk in the largest financial institutions. He is also a trained instructor and has provided classroom-based instruction to bank examiners as well as developed course content and course materials for bank examiner training.

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