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2019BANK COMPLIANCE ACADEMY

September 16-20, 2019Courtyard Marriott Hotel

75 Felton St, Marlborough, MA 01752

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Please Note:Session Materials: The Bank Compliance Academy is a paperless conference and the ses-sion materials will be emailed to registered participants the day before the session begins. Please download a copy to your electronic device or bring a copy with you. Only rosters and evaluations will be available at the conference.

Dress Code: The dress code for the conference is business casual. Please remember that the temperature in the meeting rooms may be cool. To ensure your comfort, bring a sweater or jacket.

Food Allergies: Please indicate any dietary restrictions on the registration form.

Roster of Participants: Those registered by cut-off date will be included on the attendee roster distributed on-site.

uSCHEDULE AT A GLANCE

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The work, training and reinforcement of critical thinking skills is never complete for a bank’s compliance officer. Complying with and meeting the demands of regulatory examinations and internal audits remains a core function of the compliance officer’s role in 2019. The Bank Compliance Academy (BCA) sponsored by the Massachusetts Bankers Association, operating in its 27th year, will address emerging concerns and hot topics within the financial services industry. This year’s sessions will cover critical topics such as:

• Technical training and reinforcement of deposit and operations compliance issues;

• Loan compliance hot button issues such as Flood Insurance, Home Mortgage Disclosure Act (HMDA) andthe Community Reinvestment Act (CRA) and Fair Lending;

• Trends in cybersecurity that affect a bank’s Anti-Money Laundering (AML) program;

• Fintech and innovation and the role of the Compliance Officer in 2019 and beyond.

Each year, the Association changes the agenda to meet member needs and address the key issues that both new entrants and seasoned compliance veterans need to focus on within their work.

Why Attend this Program and What Should I Expect?The 27th Annual Bank Compliance Academy provides the tools needed to initiate recent and pending regulatory events, while addressing the possible and peripheral impact to existing policies, procedures, and practices. Beyond the rule and letter of the law, discussions will apply thoughtful, in-depth deliberation and a proven methodology for getting the job done -- along with shared insights and practical applications for today’s compliance professionals. Six sensational superlatives marking some reasons to attend:

1. View what’s coming with a look toward the not-so-distant regulatory future — no surprises in a year full of surprises!

2. A fresh, new look at nagging nuances of not-so-new problems — prioritize product change parallel with rule change affecting compliance!

3. Share in the successes and solutions in problem-solving the big issues while boosting compliance learning!

4. Tips on compliance management and corporate governance — meet and exceed expectations of your bank’s board, management, auditors and examiners!

5. Valuable take-aways and more bang for the buck right here at home; an unparalleled faculty addressing timely topics with real solutions to help understand how these changes will affect Massachusetts bankers!

6. An essential investment paying real dividends to the bottom line - still the best value around for banks closely watching the bottom line when compared to webinars, phone conferences, regional and national events - NOT an expense, but rather an INVESTMENT paying immediate dividends!

Who Should Attend?All compliance, regulatory risk officers, support staff, examination liaison personnel, legal and regulatory professionals, audit / review managers and staff, operations specialists, those with lending and deposit-related compliance re-sponsibilities, BSA / AML / OFAC specialists, and members of your Compliance Committee. The conference is designed for those with various levels of experience – from those with new compliance assignments to supervisors to experi-enced veterans; for first-timers or those needing a little refresher, tune-up or "exam-prep.”

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SESSION DESCRIPTIONSMonday, September 16th, 9 AM to 10:15 AM“A Compliance Primer: Key Principles for the Compliance Officer in 2019”Presenter: Andrea Shaw, Shareholder, Bernstein and ShurThe 27th Annual Bank Compliance Academy will kick off its week with a focus on what exactly the compliance officer’s role is in 2019, and some of the best practices, habits and techniques employed by successful compliance officers. The day-to-day work of the compliance officer can feel overwhelming and never-ending! During this session, Andrea Shaw will dig into successful techniques most commonly found in well-performing compliance management systems. This session is perfect for new entrants to compliance and seasoned veterans looking to sharpen their skills for regulatory examinations and internal audits.

Monday, September 16th, 10:30 AM to 4:00 PM“Deposits and Operations Compliance Training: Day 1”Presenter: Silva Garcia Maggio, Deputy General Counsel, Compliance AllianceThe Association is pleased to welcome Silvia Garcia Maggio from the Compliance Alliance to run two full days of train-ing on deposits and operations compliance. The sessions will provide a rounded view of the compliance landscape on a variety of operations and deposits pressure points. Day 1 will cover Compliance Management Systems (CMS), FDIC Deposit Insurance, frequent errors in website compliance as well as compliance with the Americans with Disabilities Act (ADA) and website and digital accessibility. The session will close with a brief overview of other hot topics in 2019, including marijuana-in-banking, CBD and hemp-related compliance concerns.

Tuesday, September 17th, 9:00 AM to 4:00 PM“Deposits and Operations Compliance Training: Day 2”Presenter: Silva Garcia Maggio, Deputy General Counsel, Compliance AllianceDay 2 on deposits and operations will introduce technical and policy training on commonly reviewed and audited areas within deposits such as Regulation CC and Regulation E. This full-day training session will also cover Complaint Man-agement, Bank Secrecy Act (BSA) consent orders and FAQs, Overdraft Programs and the regulations governing Garnish-ment of Federal Benefits. Attendees to this session will have extensive opportunities to network and ask questions of both the presenter and their peers. New entrants to compliance work and experienced compliance officers will benefit from this training.

Wednesday, September 18th, 9 AM to 10:30 AM“Compliance Potpourri: E-SIGN, Payments Regulations and a CFPB Update”Presenter: Andrea Shaw, Shareholder, Bernstein and ShurAs the BCA transitions from deposits and operations topics to loan compliance, the Association will welcome back An-drea Shaw to present on a range of emerging issues within E-SIGN, payments and digital transactions regulations while also providing attendees with an update on the goings on within the Consumer Financial Protection Bureau (CFPB). Ms. Shaw’s presentation on regulatory mandates for E-SIGN and payments will focus on timelines, changes and third-party concerns while the CFPB portion of this module will summarize CFPB developments on mortgage servicing studies, enforcement actions and supervisory highlights from late 2018 through Summer 2019.

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SESSION DESCRIPTIONS

Wednesday, September 18th, 10:45 AM to 4:00 PM“Loan Compliance Training: Updates on Commercial Lending, Flood and HMDA”Presenter: Maggie Weir, Regulatory Compliance Professional and Adjunct Professor, Boston UniversityThe final session for Wednesday, September 18 will provide technical tips and updates on Commercial Lending Com-pliance generally, and more specifically on Flood Insurance and the Home Mortgage Disclosure Act. O ur presenter Maggie Weir will highlight recent developments and examination priorities within commercial lending that your bank’s credit underwriters and loan officers must be familiar with to ensure your institution maintains a sound CMS within commercial loans. Technical tips and updates on Flood Insurance and HMDA will focus on common pitfalls, institutional changes due to recent regulatory relief initiatives and other change as well as refresher training on the “still tricky” components of assured compliance with both the National Flood Insurance Program (NFIP) and HMDA.

Thursday, September 19th, 9:00 AM to 10:30 AM“Fair Lending: We Are in a ‘Reg Lite’ Environment, Right?"Presenter: Bonita Jones, President, Bonita Jones and Associates LLCIs Fair Lending as important today as it used to be? Do we as an industry need to modify our risk management strate-gies or stay the course? This session aims to answer these questions and more. Please join Bonita Jones on Thursday, September 19 to find out! In this session, Ms. Jones will cover:

• The “spoken” supervisory priorities and expectations for Fair Lending

• “Unspoken” priorities and expectations that Ms. Jones observes in her work as an industry consultant

Throughout the session, Ms. Jones will look forward and consider the implications of new changes or proposed rules as well as other industry developments (such as enhanced use of technologies and AI-enabled platforms that promote efficiencies) impacting Fair Lending programs. This session will provide attendees the best practices to allow you to effectively gauge your bank’s fair lending compliance risk.

Thursday, September 19th, 10:45 to 12:00 PM“CRA Reform: The Promise! Is It Here Yet?”Presenter: Bonita Jones, President, Bonita Jones and Associates LLCIs your bank growing and feeling the CRA Expectations pinch? Are you worried that your bank may be forfeiting strate-gic growth opportunities due to metric-based monitoring such as the “Inside vs. Outside Assessment Area” ratio? Faced with numerous community needs, limited budgets and the conundrum of managing examination expectations, the role of the compliance officer in managing CRA risk is critical!

This session will cover institutional CRA challenges such as adherence to old or dated standards and will discuss the strategies that both compliance and CRA officers can employ to optimize your bank’s CRA opportunities portfolio – while the industry waits with bated breath for CRA Reform!

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SESSION DESCRIPTIONSSESSION DESCRIPTIONS

Thursday, September 19th, 1:00 PM to 2:00 PM“Cyber Money Laundering – AML Goes Cyber”Presenter: Ben Hayden, Risk Services Supervisor, SHAZAMThe world of money laundering has grown far more sophisticated with the introduction of technologies such as high-speed connectivity, virtual currencies, and the Internet of Things. This session will look at some high-profile cases where money launderers utilized the Internet to launder money and will address the future of money laundering and what your institution can do to stop it before it happens.

Thursday, September 19th, 2:15 to 3:15 PM“Weeding Through the Risks of Banking the Cannabis Industry”Presenter: Abrigo Speaker (Invited)Thirty states have now legalized medical or recreational marijuana, but the fact remains that it is still illegal at the fed-eral level. What about hemp and CBD? Are they now legal and safe to bank with the passage 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. Understand the risks of banking MRBs and learn tips on how to succeed if your financial institution decides to take on these businesses.

Friday, September 20th, 9:00 AM to 10:15 AM“Fintech, Innovation and the Role of the Compliance Officer”Presenters: Tracie Kosakowski, SVP and General Counsel, Radius Bank; Lori Bittner, Assistant Deputy Comptroller, OCCAs the digital banking landscape continues to evolve, so, too, must the role of the compliance officer and their team. “Fintech” is an all-encompassing catch-all for a wide array of technology solutions that come in different shapes, sizes and maturity levels. Banks that work with fintech companies tend to meet them “where they are” in their present state. This means that effective compliance managers must understand where a potential partner exists in terms of its compliance risk management priorities. None of this is impossible, and this session will focus on strategies utilized by financial institutions to address these risks head on for 2020 and beyond.

Friday, September 20th, 10:30 AM to 12:00 PM“MBA Legislative Update and Regulatory Agencies Panel”Presenters: MBA Staff and Regulatory Agency ParticipantsThe final session for this year’s BCA will feature a legislative update from Ben Craigie and Brad Papalardo of the MBA. Ben and Brad will focus on critical legislative concerns for both Beacon Hill and Washington, D.C. and discuss policy and legislative outcomes in 2019 while setting the table for the remainder of both legislative sessions.

Additionally, regulators from the Federal Reserve Bank of Boston, FDIC Boston Regional Office as well as the Division of Banks will provide attendees with an overview of recent examination trends and expectations for 2020. This important networking session will offer a glimpse of potential examination “potholes” as well as provide the opportunity to ask critical questions about their own compliance programs and regulatory challenges.

ANNUAL BANK COMPLIANCE ACADEMYSeptember 16 - 20, 2019Marriott Courtyard Hotel, 75 Felton Street, Marlborough, MA

Please print clearly or type

Institution ___________________________________________________________________________________________________

Business Address _____________________________________________________________________________________________

City ____________________________________________________ State ___________________Zip _________________________

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(See reverse to provide names of registrants)

Two ways to register:Fax: Complete the registration form and fax credit card information to our secure fax line: 617-249-0441. PCI Compliance mandates that the form must be faxed, do not email.

Mail: Send this form with a check to:

Massachusetts Bankers Association—BCA19 One Washington Mall, 8th Floor, Boston, MA 02108-2603

Method of Payment (check one) Check made payable to the Massachusetts Bankers Association Amount Enclosed $ ___________

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Registration Deadline: To assist us in planning, registrations should be received as soon as possible but no later than September 9, 2019. Direct registration questions to Pat Tabolsky (ptabolsky@massbankers.org).

The Conference Package [TCP]*

These discounted rates are for those attending the entire conference. No substitutions or registration sharing will be permitted. Member Non-Member

1- 2 Attendees $1,695 total $3,390Each Additional Attendee $ 845 per person $1,690

Individual modules may be purchased separately at the prices listed below.

Individual Session Rates/person Member Nonmember Monday AM Session [CPKY] $125 $250 Monday General Session [DOPC1] $250 $500Tuesday General Session [DOPC2] $275 $550Wednesday AM Session [CPEPMS] $125 $250Wednesday General Session [LCUEI] $275 $550Thursday AM Session [FLRLE] $185 $370Thursday AM Session [CRARP] $185 $370Thursday PM Session [CAML] $125 $250Thursday PM Session [WRBCI] $125 $250Friday AM Session [FIRCO] $125 $250Friday AM Session [SLRP] $185 $370

Cancellation and Refund Policy:A $75 per person/per day cancellation fee will be imposed. No refunds made within three business days of each module. Please note that if you don’t cancel and fail to at-tend, you will still be responsible for full payment. If you register within three days of any module and then cancel or fail to show, you will be invoiced for the entire cost of the program

Take advantage of the group pricing dis-counts by sending two or more people.

Registration

fees include

breaks and

lunch each

day.

Name Title Email Module Codes LunchYes No

Lunch is provided for full-day attendees. No lunch on Friday.

Please register the following person(s):

Please note: Handouts will be sent to the individual registered for the session(s).

Directions: https://www.marriott.com/hotels/maps/travel/bosmd-courtyard-boston-marlborough/