All Speakers

S. Bowe

Stephen Bowe, CAPCO

Third Party Vendor Risk Management


 Tuesday, October 27th
 10:45 AM - 12:00 PMHandouts

Session OVERVIEW

Discussion of FDIC’s Guidance for Managing Third Party Risk including:

  • The various types of risk involved with third party relationships
  • Key factors in performing a risk assessment and a demonstration of how organization’s I have worked with typically conduct and record their risk assessment
  • Due diligence factors to consider when selecting a third party/vendor
  • Key contractual elements necessary for third party/vendor contracts
  • Discuss any recent enforcement actions/litigation involving financial institutions and third party/vendor relationships

Biography

Stephen Bowe is a Senior Consultant for Capco RISC Consulting, LLC.  As a member of the Regulatory Advisory Services team, he advises clients on numerous banking and finance company related issues, as well as assisting with the development of new products including quick reference guides, calculators, hot issues, whitepapers, and webinars.  He is the associate editor of the Capco Banker’s Guide to Compliance (the Big Orange Book).  His areas of expertise include: The Truth In Lending Act, The Equal Credit Opportunity Act, The Fair Credit Reporting Act, Credit Card Act, Title X of the Dodd-Frank Act, the Fair Debt Collections Practices Act, the Truth In Savings Act, Electronic Funds Transfer Act, the E-SIGN Act, and multiple state RISA and consumer finance laws.

Previous Experience

Steve’s legal background includes positions as Compliance VP for a major international bank and a national third-party servicing company, Senior Counsel for multiple credit card issuers (branded and private label), and General Counsel for a national indirect consumer finance company.  Steve has been with Capco for over 5 years. 

Education

  • Bachelor of Science in Business Administration, Missouri Western State University
  • Master of Business Administration, Bloch School of Business, University of Missouri – Kansas City
  • Juris Doctor, University of Missouri – Kansas City School of Law
  • Master of Law – Taxation, University of Missouri Kansas City School of Law
DePeirro

Denyette DePierro, ABA


What Can A Global Pandemic Teach Us About Incident Response, Recovery and Continuity?


 Tuesday, October 27th
9:40 AM - 11:30 AMHandouts

Session Overview

You’d think in a highly regulated industry with prescribed tabletop exercises and business continuity plans we’d be prepared for every possible incident, disaster, breach, and disruption…and then we found ourselves in the midst of a global pandemic with much to teach us about our assumptions and preparedness.

    • What have we learned from securing a remote workforce in the middle of global health crisis while rolling out an emergency lending and stimulus program?
    • What are the common indicators of success in meeting these challenges?
    • What does the supervisory trend emphasizing agility, capacity, and resilience over checklists mean for your bank?


Digital Threats and Cyber Risk Where You Least Expect It 


 Wednesday, October 28th
10:00 AM - 10:45 AMHandouts

Session Overview

The pandemic is affecting everything, even how we identify and manage risk and where new risk and vulnerabilities are showing up at your bank. Drawing on our experience with fraud and risk in social media and remote banking, how to do we address new risk (and resiliency) under old rules?


Biography

Denyette joined the American Bankers Association in March 2008. Prior to joining ABA, Denyette completed two fellowship terms with the US Department of State at the American Embassy in London, England and the American Consulate in Naples, Italy attached to the Political and Economic Policy Offices.  She began her US domestic policy career as Legislative Counsel at the Independent Community Bankers of America (ICBA) in Washington, D.C. and the California Independent Bankers in Newport Beach, California where she was the primary lobbyist for twelve states, including California, focusing on financial privacy, banking powers, and the regulation and licensing of Industrial Loan Company (ILC) charters. While pursuing her J.D. and MDR from the Pepperdine School of Law, she was a Dean’s Scholarship recipient and fellow at the Straus Institute for Dispute Resolution. She completed a European Union (EU) Fellowship at the University of Padua in Padua, Italy in Developmental Economics before completing her B.A. at the University of California, Santa Barbara.

At ABA, Denyette focuses on the state, federal, and international regulation of technology, cybersecurity, privacy, data security and emerging trends in banking, including the EU’s General Data Protection Regulation (GDPR), internet of things (IOT), social media, and digital risk management.  On behalf of the financial services sector, she serves the Financial Services Sector Coordinating Council (FSSCC) as co-chair of the International Cybersecurity Working Group and has a seat on NACHA-The Electronic Payments Association’s advisory and regulatory councils.

S. Bowe

David Dickinson, Banker's Compliance Consulting


Reg E: Errors & Dispute


 Tuesday, October 27th
 12:30 PM - 1:30 PMHandouts

Session Overview

Join David Dickinson of Banker’s Compliance Consulting for a fast-paced session where we will get into the details on the following Regulation E requirements: 

    • Consumer Liability / Bank Liability
    • Investigation Time Limits
    • Resolution Requirements
    • VISA & MasterCard Rules
    • Common Misconceptions


Tips for a Successful Compliance Officer


 Tuesday, October 27th
 1:30 PM - 2:45 PMHandouts

Session Overview

We all know that Compliance Management is a hot topic and we all want to serve our our banks with excellence.  During this session, David Dickinson of Banker’s Compliance Consulting will share his experiences from being an examiner, a compliance officer and 27 years as a consultant so you can be more successful!


HMDA Advanced Lessons- Part 1


 Wednesday, October 28th
 11:00 AM - 12:00 PMHandouts

Session Overview

David Dickinson of Banker’s Compliance Consulting will provide you with a comprehensive manual covering HMDA from A-Z. However, these two hours will get "into the weeds" on the HMDA topics that cause the most confusion. This is not “101 Level” training!   Topics will include: 

  • Mixed-Use Properties
  • Demographic Information Scenarios
  • Clarification of Numerous Complicated Data Points
  • Action Taken clarification


HMDA Advanced Lessons- Part 2


 Wednesday, October 28th
 12:30 AM - 1:30 PMHandouts

Session Overview

David Dickinson of Banker’s Compliance Consulting will provide you with a comprehensive manual covering HMDA from A-Z. However, these two hours will get "into the weeds" on the HMDA topics that cause the most confusion. This is not “101 Level” training!   Topics will include: 

  • Mixed-Use Properties
  • Demographic Information Scenarios
  • Clarification of Numerous Complicated Data Points
  • Action Taken clarification


Stump the Experts


 Thursday, October 29th
 10:00 AM - 11:00 AMHandouts

Session Overview

Do you have questions? Kevin Edwards and David Dickinson of Banker’s Compliance Consulting will answer them during this lively & interactive session.  Anything goes (BSA, Deposit or Lending regulations)!  To ensure we have time to research your questions, please pre-summit them by 9 AM. We will take live questions if time permits.

Biography

David’s banking career began as a field examiner for the FDIC in 1990. He later became a Compliance Officer and Loan Officer for a small bank. In 1993, he established Banker’s Compliance Consulting. Along with his amazingly talented Team, he has written numerous compliance articles for prestigious banking publications and has developed compliance seminars that Banker’s Compliance Consulting produces.

He is an expert in compliance regulations. He is also a motivational speaker and innovative educator. His quick wit and sense of humor transforms the usually tiring topic of compliance into an enjoyable educational experience. David is on the faculty of the Center for Financial Training, the American Bankers Association National Compliance Schools and is a frequent speaker at the ABA’s Regulatory Compliance Conference. He is also a trainer for hundreds of webinars, is a Certified Regulatory Compliance Manager (CRCM) and has been a BankersOnline Guru for many years. The American Bankers Association honored David with their Distinguished Service Award in 2016.

David and his wife Karen have three adult children and two grandsons (none of whom live at home!) and three cats (of which Dave is allergic … the cats, not the children!). They live on a lake in Nebraska and when possible, he can be found fishing or making sawdust in his shop. David plays the guitar & piano and enjoys singing with Karen. They occasionally lead worship at their church.

S. Bowe

Kevin Edwards, Bankers Compliance Consulting

Stump the Experts


 Thursday, October 29th
 10:00 AM - 11:00 AMHandouts

SESSION OVERVIEW

Do you have questions? Kevin Edwards and David Dickinson of Banker’s Compliance Consulting will answer them during this lively & interactive session.  Anything goes (BSA, Deposit or Lending regulations)!  To ensure we have time to research your questions, please pre-summit them by 9 AM. We will take live questions if time permits.

Biography

Kevin brings years of experience and a unique perspective on regulatory matters to our clients. A self-proclaimed geek and accredited CRCM, Kevin is also a recovering attorney with experience as in-house counsel for a large regional bank and one of the leading national title insurance providers. For reasons unknown, Kevin decided to leave the safety and serenity of his desk job to seek fortune and glory as a wandering adventurer. Like a bank compliance version of Kwai Chang Caine, The Man with No Name or Don Quixote, he now travels the land seeking to help those in need and righting compliance wrongs, wherever he may find them.

Kevin lives in Sioux Falls with his wife and his three children, who are surprisingly normal after having endured their father's vivid imagination for their entire lives. He won't admit to having any hobbies, because apparently "Regulations never sleep." (While he does say this in his Batman voice, we're pretty sure he's joking.) From the looks of his Facebook page, he likes the outdoors and spending time with his large extended family (who seem like relatively normal people).

S. Bowe

Julia A. Gutierrez, Compliance Alliance

Lending to Servicemembers: SCRA & MLA


 Wednesday, October 28th
 11:00 AM - 12:00 PMHandouts     Slides

SESSION OVERVIEW

Lending to Service members rules are primarily made up of two different acts – The Servicemembers Civil Relief Act (SCRA) and the Military Lending Act (MLA). One of the primary issues with these two acts is that they are often confused for each other: both acts provide protections for active duty servicemembers. But the scope of whom and what is covered and when the coverage extends are different. Additionally, banks need to be aware that the scope of SCRA protections are much broader than the MLA. Join us for an overview of these two requirements and a breakdown of compliance.

BIOGRAPHY

Julia A. Gutierrez brings over 16 years of financial industry experience to the Compliance Alliance team. She began her career in banking in 2000 while receiving a Bachelor of Business Administration degree in Finance from the University of Alabama.  Her compliance knowledge and understanding derive from her combined experience in community banks and consulting.  Julia has served as a Risk Management and BSA Officer, assisted in the development of an enterprise-wide risk management and compliance program for a de novo institution, assisted in the compliance remediation efforts for an institution who was referred to the DOJ, held positions in retail and branch management, and was a Senior Compliance Advisor for a large regulatory compliance consulting firm. 

S. Bowe

  

Howard Headlee, Utah Bankers Association 

Bankers For Good (#Bankers4Good)


 Tuesday, October 27th
 9:10 AM - 9:40 AMHandouts

Biography

President & CEO
Utah Bankers Association

Mr. Headlee was appointed President and Chief Executive Officer of the Utah Bankers Association, April 1997. The Utah Bankers Association is a trade association serving the banking industry in the state of Utah, the 5th largest banking state in the U. S.  Its membership consists of state and nationally chartered banks, savings banks and FDIC insured industrial banks.  Mr. Headlee has been recognized as one of Utah’s 100 most influential people and is a member of the Tabernacle Choir at Temple Square.

 As leader of the UBA, Mr. Headlee created the Regulatory Feedback Initiative, a nationwide program to collect feedback on bank examinations in order to introduce transparency and accountability into the bank examination process.  He also launched the industry’s first “Super PAC” Friends of Traditional Banking designed to organize and focus independent personal political contributions from across the U.S. into key Congressional races.

 Mr. Headlee currently serves as the Chairman of the 50 State Alliance of Banking Associations and a member of the Board of the American Bankers Association. 

Prior to leading the UBA, Mr. Headlee served as Vice President of the Utah Taxpayers Association, and as an auditor in the Detroit office of the international accounting firm KPMG Peat Marwick.

Mr. Headlee also served as Chairman and founder of Utah Center for Neighborhood Stabilization, Chairman of the Legislative Policy Committee for the Utah Partnership for Education and Economic Development, and Chairman of Artistic Resource for Teachers and Students (A.R.T.S. Inc.) a non-profit organization committed to maintaining the influence of the fine arts in Utah’s elementary schools.

 In 2001 he founded the American Preparatory Academy, the largest and one of the most successful public charter schools in Utah. APA now has 7 campuses in two states and serves more than 4,000 students.  In 2012, Mr. Headlee was appointed by Utah Governor Gary Herbert to serve on the Utah State Charter School Board where he served as Chairman until he retired in 2016.

 Mr. Headlee received his Bachelor of Science from the Brigham Young University School of Accountancy and earned a Master of Business Administration from the University of Utah.

 Howard and his wife Tana are the parents of six children and live in Sandy, Utah.

 

  


             

Carley L. Herrick, Parsons Behle & Latimer

California Consumer Privacy Act (CCPA)


 Thursday, October 29th
  12:30 PM - 1:30 AMHandouts

Session overview

This one-hour session will discuss recent updates and changes to the California Consumer Privacy Act ("CCPA") and their impact on the financial and banking industries.  California's CPRA November ballot initiative will also be briefly discussed.

Biography

Carley L. Herrick is a member of the Litigation, Trials & Appeals and the Cyber Security practice groups at Parsons Behle & Latimer. Carley concentrates her practice on data privacy and cyber security matters, focusing on the development of privacy policies and procedures for clients, subject to international and U.S. data privacy laws.

Carley received her J.D. from the S.J. Quinney School of Law at the University of Utah, graduating with honors. Prior to law school, Carley earned a bachelor’s degree in business management from Brigham Young University with an emphasis in marketing. Carley’s experience in the business community enables her to approach her clients’ legal needs from a practical, operational perspective. She partners with clients to determine the optimal legal solution to support and further their organizational goals.

During law school, Carley was an associate in the New Venture Development program at the Lassonde Entrepreneur Institute, a nationally-ranked hub for student entrepreneurship, and the University Growth Fund, the nation’s largest student-run venture capital firm. Carley also served as a senator on the University of Utah’s Academic Senate and the ASUU Student Senate. Carley was also a note and comment editor on the Utah Law Review and a judicial intern for the Honorable Judge Jill M. Pohlman of the Utah Court of Appeals.

Johnson

Lourdes Johnson, Capital Comenity Bank

What Does a Comprehensive/Robust Compliance Testing Program Look Like?


 Wednesday, October 28th
1:30 PM - 2:45 PMHandouts

Session OVERVIEW

In today’s regulatory environment where the bar is set high by Banks and regulatory agencies for a Bank’s Compliance Management System (CMS) to be comprehensive and robust, one of the key elements of a viable CMS is an effective and efficient Compliance Testing Program.

This session will focus on key factors of a successful Compliance Testing Program to include: 

  • Benchmarking Against Industry Best Practices
  • Understanding Regulator Expectations
  • Important Linkages Between the Compliance Testing Program and:
    • The Compliance Regulatory Universe
    • The Compliance Risk Assessment and the Risk Control Self-Assessment (RCSA)
    • Quality Control and Quality Assurance Processes
    • Issues Management
    • Complaint Management
    • Internal Audits
    • Regulatory Examinations

Biography

Lourdes Johnson, CRCM, CAMS, is a tenured risk-management professional, instructor and mentor.  Lourdes is currently Director, Chief Compliance Officer, Comenity Capital Bank, Draper, Utah.  In her role as Chief Compliance Officer, Lourdes provides strategic direction and leadership for a global team of compliance professionals.  Over her 27-year career in banking, Lourdes has held senior leadership positions with Zions Bancorporation, N.A., First Security Bank, N.A; American Express Centurion Bank; Volkswagen Bank, USA; Optum Health Bank, and GE Capital Bank. 

For the greater portion of her banking career, Lourdes has served as an instructor and conference speaker for the Utah Bankers Association, and as faculty and advisory board member for the American Bankers Association (ABA) National Compliance School, Intermediate Compliance School, and the Graduate School of Compliance Management.  Lourdes is currently a capstone advisor and faculty member for the ABA Stonier Graduate School of Banking.  Lourdes and her husband Stan have been Utah residents for the past 30-years, and raised their family in South Jordan and Taylorsville Utah. 

DePeirro


Tracey Levandoski, CrossCheck

Developing a FinTech Compliance Roadmap


 Tuesday, October 27th
12:30 PM - 1:30 PMHandouts

Session OVERVIEW

This presentation focuses on the factors bank management should consider in selecting a fintech lending partner, and then after making the selection, how the bank can help their fintech strategic partners develop a compliance roadmap and compliance infrastructure that meets the regulator’s requirements as well as the bank’s expectations under its third-party risk management program. Tracey will describe the areas of caution, potential detours, roadwork ahead and speed bumps to reinforce the concepts that the development of a compliance roadmap is a journey that needs to be mapped out and at times adjusted for changes in conditions and unforeseen events.

Biography

Tracey Levandoski is a regulatory compliance and risk management professional with over 30 years of experience in the financial services industry. Having worked as both a prudential regulator and in banking institutions, she has demonstrated expertise in compliance. Her expertise includes extensive knowledge of lending and deposit regulations, their integration into an overall compliance risk assessment, and execution of related monitoring and auditing. She is also experienced in financial institution accounting and operations.

DePeirro

Steve Manderscheid, Compliance Alliance

FCRA Disputes


 Wednesday, October 28th
12:30 PM - 1:30 PMHandouts      Slides

Session Overview

The Fair Credit Reporting Act (FCRA) promotes the accuracy and privacy of information in the files of the nation’s credit report companies. Under the FCRA, both the credit reporting company and the information provider are responsible for correcting inaccurate or incomplete information on a credit report. Learn about the steps of compliance, timing requirements and dispute resolution procedures.

Biography

Steve Manderscheid brings over 25 years of financial industry experience to the Compliance Alliance team. Previously, he focused on all aspects of regulatory compliance risk management while also serving in a Bank Secrecy Act officer capacity.  In recent years, he has ventured into leadership roles in enterprise-wide risk management (ERM), complaint management, and vendor and third-party relationships. In his role as Compliance Officer, Steve brings his unique compliance perspective to the Education Department where he provides compliance training, develops new compliance tools and resources, and reviews member bank policies and documents.

DePeirro

Elizabeth K. Madlem, Compliance Alliance


Paycheck Protection Program: Puzzling, Profitable, Problematic


 Wednesday, October 28th
12:30 PM - 1:30 PMHandouts     Slides  

Session Overview

The Paycheck Protection Program has been the most popular aspect of the CARES Act—but with the constantly changing rules, the frustration and confusion with implementation prior to development, and the outstanding questions still left unanswered as the program enters its final phases, it is no wonder financial institutions are concerned about their participation in such a monumental program.  This presentation will recap the history of the PPP and its implementation, the top concerns and still unanswered questions, and what financial institutions’ next steps are in preparing for auditing, regulatory examinations and customer responses


Regulation CC and Fraud 


 Thursday, October 29th
12:30 PM - 1:30 PMHandouts       Slides

Session Overview

Like the title suggests, this presentation will cover the basics of Regulation CC, including funds availability, before reviewing forgeries, forged endorsements, alterations, and counterfeit checks as it relates to the UCC. We will be discussing the types of fraud and various and various UCC liabilities, defenses, and warranties for check fraud. With the current COVID-19 and stimulus environment bring about more fraud risks for banks, this is a will assist banks in understanding not only the normal risks but the risks of a COVID-19 environment.

Biography

Elizabeth is Vice President of Compliance Operations and Deputy General Counsel for Compliance Alliance.  She oversees C/A’s Hotline operations and staff of attorneys, heads the Education Departments initiatives, and manages the Review Team of compliance officers.  An attorney since 2010, Elizabeth has also served as Operations Compliance Manager and Enterprise Risk Manager for a large bank headquartered in Seattle.  She brings years of industry expertise and real-world solutions surrounding bank-enterprise initiatives and bank regulatory compliance. 

DePeirro

Robert Marx, WebBank

Making Your CMS Greater Than the Sum of Its Parts


 Wednesday, October 28th
9:05 AM - 10:00 AMHandouts

Session OVERVIEW

Stressed about 2020 regulatory demands and resource constraints? Go beyond the basic functions of a compliance management system (CMS) with some practical tips and processes to help ensure your CMS is working for you rather than you working for your CMS.

Biography

Robert is a VP of Compliance and the Treating Customers Fairly for WebBank, a state-charted industrial bank. Prior to joining WebBank, he worked in banking and finance for over 25 years for companies including UBS Bank USA, American Express, Wells Fargo and others. Robert was the Compliance Officer and BSA Officer for USA Bank USA and was the Chief Compliance Officer for Wright Express Financial Services.

Robert has developed a variety of training programs for bank staff, compliance departments, internal audit groups, and Toastmasters clubs and districts. He is a Certified Regulatory Compliance Manager and Certified Internal Auditor and is a member of the Utah Banks Association Compliance Committee. He is a graduate of the American Bankers Association (ABA) Graduate School of Compliance Risk Management and a faculty member and Advisory Board Vice Chair of the ABA Compliance Schools.

McQueen

Matthew McQueen, WebBank

BSA Update


 Wednesday, October 28th
11:00 AM - 12:00 PMHandouts

Session OVERVIEW

Hindsight is 20/20:  Three Lessons that 2020 Taught Us that Apply to Our BSA Programs

Biography

After graduating from law school at the University of Utah, Matt entered public service as a Special Agent for the United States Secret Service in Denver, CO.  After a few years in governmental service, Matt entered the private sector as a Regional Security Officer for Wells Fargo Bank.  Returning home to Salt Lake City, UT, Matt joined the Zions Bank AML team and served in various BSA capacities for approximately 11 years.  Matt recently transitioned to WebBank and has enjoined working with the industrial banking sector.

Moyer

Jerod Moyer, Banker's Compliance Consulting

Complaint Management


 Thursday, October 29th
9:05 AM - 10:00 AMHandouts

Session Overview

Join Jerod Moyer of Banker’s Compliance Consulting as he trains you on one of the hottest topics in compliance.  Jerod will cover:

  • Complaint Hot Spots & Complaint Program Red Flags
  • What is a “Complaint”?  What’s not?
  • The “CMS” Intersection
  • The Regulatory View & Expectations
  • Complaint Program Structures & Best Practices
  • The UDAAP Connection
  • Compliance & Much More!

Biography

Jerod is the leader of Banker's Compliance Consulting’s training productions. He is a nationally recognized speaker. Whether it’s a conference, seminar, school, webinar or luncheon, it’s easy to stay engaged when he presents due to the amount of passion and energy he brings to each and every compliance topic. Jerod has spoken on behalf of the American Banker’s Association, BankersOnline, many state banking associations, private compliance groups and financial institutions. He is a Certified Regulatory Compliance Manager (CRCM) and BankersOnline Guru.

Jerod likes to spend his time (between reading regulations and producing compliance training!) relaxing at the lake with his wife and three children, following their activities or engaged in something sports related!

Moyer

Michael O'Brien, Jones Waldo

Ten Pearls of HR Law Wisdom to Treasure During the COVID Era


 Tuesday, October 27th
12:30 AM - 1:30 PMHandouts

Session Overview

This presentation will review the top ten things a compliance officer needs to know about dealing with employment law issues in our pandemic world.

Biography

Mike O’Brien is an attorney with the Jones Waldo law firm in Salt Lake City. He has helped business clients, including financial institutions, solve employment law problems for over thirty years. He has received numerous local and national awards and recognitions for his professional work. He also is a media law attorney and a mediator. Mike and his spouse Vicki, a preschool teacher, have three adult children. Paraclete Press will publish Mike’s first book, Monastery Mornings, in May 2021. The book tells the story of Mike’s unusual boyhood growing up at and near the old Trappist monastery in Huntsville, Utah.
McQueen

Diane Passey, Intermountain EAP

Building Life Resilience


 Thursday, October 29th
1:45 PM - 2:45 PMHandouts

Session OVERVIEW

When stress hits, our ability to cope and bounce back is challenged. Each of us has a reservoir of hardiness that we access during moments of stress. Lately, global conditions have caused our initial reservoirs to dry out, and we are left wondering how to replenish. This session offers strategies to strengthen resiliency through the following objectives.

  1. Recognize signs and symptoms of stress response.
  2. Learn evidence-based techniques to build resilience, even during difficult times.
  3. Review components of self-compassion.

Biography

Diane Passey, is a Licensed Clinical Mental Health Counselor. She received her bachelor’s from the University of Utah, and her master’s from the University of Phoenix. She enjoys working with children of all ages from 5 - 85. She has worked extensively with developmentally and intellectually delayed adults and teens. She worked for five years with Domestic Violence related issues and was granted a Peace on Earth award by the Salt Lake Domestic Violence Coalition. Diane is a member of Third District Court Judicial Outreach Committee focusing on Divorce Education for Kids and won the Liberty Bell award from the Utah State Bar for co-founding the kid’s program. Diane is a certified Laughter Yoga instructor.

McQueen


George Sutton, Jones Waldo

Madden and True Lending


 Thursday, October 29th
12:30 PM - 1:30 PMHandouts

Session Overview

As loan sales become increasingly routine activities for banks, some courts and advocates for state regulation have created uncertainties about whether the original terms and conditions of each loan carry over to the buyer.  The presentation will explain what is happening, what regulators are doing to try to resolve the confusion, and what banks can do to avoid problems when selling whole loans or participations.

Biography

George Sutton is an attorney and Of Counsel to the Salt Lake City-based law firm Jones Waldo where he has practiced since March of 2008. Mr. Sutton served as the Utah Commissioner of Financial Institutions from 1987 to 1992, where he was responsible for regulating all state-chartered depository institutions and all consumer financial services providers in Utah. Mr. Sutton has specialized in Financial Services & Regulatory Compliance.  Mr. Sutton currently serves as a member of the board of directors of Glacier Bancorp and Glacier Bank.  Mr. Sutton completed his undergraduate studies and his Juris Doctor degree at the University of Utah.

McQueen


Compliance Officer Round Table Panel


 Thursday, October 29th
11:00 AM - 12:00 PMHandouts

SESSION OVERVIEW

A roundtable discussion with Compliance Officers regarding current challenges and hot topics


Panalist

Jon Allen, SVP/Chief Compliance Officer-  Medallion Bank

Trevor Hess, Regulatory Compliance Officer- TAB Bank

Rachael Hadley, Chief Compliance Officer, FinWise Bank

Paul Irwin, Compliance Officer/CRA Officer- Cache Valley Bank

Moderator- Liza Warner, Managing Director- Crosscheck Compliance