Join Us for the 21st Colloquium

The 2017 CRA & Fair Lending Colloquium will be held November 5-8, 2017 at the Omni Nashville, and is SOLD OUT!

Registration is closed!

Please check back frequently for session and speaker updates.

Sunday, November 5

8 AM – 10 AM

HMDA Basics (Cost: $195)

Registration required; limited to 40 attendees

This workshop provides a complete walk-through of the HMDA regulations and an overview of the updated HMDA rule. The session will also introduce you to the requirements and provide strategies for maintaining data integrity. It’s a perfect way for new compliance professionals to start off the Colloquium.


  • Barbara Boccia, Senior Director, Advisory Services and Regulatory Relations, Compliance Solutions, Wolters Kluwer
  • Maggie Weir, CRCM, Adjunct Professor, Boston University School of Law
  • Terry J. Randall, Senior Counsel, Regulations, Consumer Financial Protection Bureau

10:30 AM – 1:30 PM

CRA Basics (Cost: $235, includes box lunch)

Registration required; limited to 40 attendees

This workshop provides a complete walk-through of current CRA regulations as well as the interagency questions and answers. Find out how they impact banks both large and small. The session will also introduce you to how the regulators will examine your institution and review lending, investment, and service activity to assign a CRA rating. It’s a perfect way for new CRA professionals to start off the Colloquium.


  • Ann-Marie Lefebvre, Consultant, Compliance Analytics Consulting Services, Wolters Kluwer
  • Ellen Murphy, Principal Advisor, CRA, VP, Bank of the West
  • Bobbie K. Salgado, Director CRA Strategy & Operations, Corporate Social Responsibility, MUFG Union Bank, N.A.

Fair Lending Wiz User Forum (Cost: $235, includes box lunch)

Limited to Fair Lending Wiz Users; registration required; limited to 40 attendees

With the changes in fair lending oversight practices, Fair Lending Wiz users are looking for more sophisticated ways to use this software. The Fair Lending Wiz Forum is a formal session that will provide users with an opportunity to interact directly with the product managers to ask questions and make suggestions and hear about software features that can have a direct impact on your work. Attend this session and collaborate with other Fair Lending Wiz users to share ideas and learn about best practices.


  • Miral Patel, Product Manager, Fair Lending Wiz, Wolters Kluwer
  • Britt Faircloth, CRCM, Senior Regulatory Consultant, Advisory Services and Regulatory Relations, Compliance Solutions, Wolters Kluwer
  • Sara Cook, Fair Banking Manager, Chemical Bank

2 PM – 5 PM

Fair Lending Basics (Cost: $195)

Registration required; limited to 40 attendees

This course is ideal for new fair lending officers and those who need a refresher on the basics of the regulation and the implications for your institution. This workshop provides a complete review of interagency fair lending examination procedures, including a review of past and current fair lending violations and an examination of current regulatory trends. Join us to learn about the risk factors that may apply to your institution, how regulators assess the significance of these risks, and how to conduct a streamlined examination.


  • Jeffrey Robb, Senior Consulting Manager, Fair Lending, Wolters Kluwer
  • Wesley H. Zickefoose, Senior Consultant, Consulting Manager, Fair Lending, Risk and Compliance, Wolters Kluwer
  • Mark Brown, VP – Deputy Compliance Officer – UDAAP, M & T Bank
  • Britt Faircloth, CRCM, Senior Regulatory Consultant, Advisory Services and Regulatory Relations, Compliance Solutions, Wolters Kluwer

CRA Wiz User Forum (Cost: $195)

Limited to CRA Wiz Users; registration required; limited to 40 attendees

With changes in lending practices and an improving economy, CRA Wiz users are looking for more sophisticated ways to use this software. The CRA Wiz Forum is a formal session that will provide users with an opportunity to interact directly with the product managers to ask questions and make suggestions and hear about software features that can have a direct impact on your work. Attend this session and collaborate with other CRA Wiz users to share ideas and learn about best practices.


  • Mindy Marchetti, Product Manager, CRA and HMDA Product Manager, Wolters Kluwer Financial Services
  • Michael Fitzsimmons, Senior CRA Analyst, Liberty Bank
  • Elias Rizkallah, VP, Senior Manager, CRA Compliance, Capital One
  • Sara Cook, Fair Banking Manager, Chemical Bank
  • Andrew Sheeran, Technical Support Supervisor, Wolters Kluwer
  • Marcus A. Vasquez, Vice President, Fair Banking Officer, Allegiance Bank
  • Lori Wetch, Community Reinvestment Analyst, VP, CRCM, Bank of the West

Government Wiz User Forum (Cost: $195)

Limited to Government Wiz Users; registration required; limited to 40 attendees

The CRA Wiz and Fair Lending Wiz Forum is an interactive session that will provide government users with an opportunity to interact directly with experts and other users of the product. This session will allow users to ask questions, make suggestions and hear about software features that can have a direct impact on your work. Highlights will include product updates and product features that pertain to the examination procedures. Attend this session and collaborate with other CRA Wiz and Fair Lending Wiz users to share ideas and learn about best practices.


  • Sara Hill, Manager of Government Accounts, Wolters Kluwer

6 PM – 8 PM

Welcome Reception


Monday, November 6

7 AM - 8:15 AM


8:30 AM


8:45 AM – 10 AM

Opening Keynote
Brett King, Futurist and Author of Breaking Banks and Banks 2.0, 3.0 and 4.0 (coming)

Brett King, a bestselling author, renowned commentator and globally respected speaker on the future of business to address how technology disrupts business behaviors and influences society. Brett is a futurist, an Amazon bestselling author, an award-winning speaker, host of a globally recognized radio show, and is the CEO of Moven. He advised the Obama administration on the Future of Banking, and has spoken on the future in 50 countries in the last 3 years. He has fronted TED conferences, given opening keynotes for Wired, Singularity University’s Exponential Finance, The Economist, SIBOS and many more. He appears as a commentator on CNBC and has appeared regularly on the likes of BBC, ABC, FOX, Bloomberg and more.

10 AM - 10:15 AM


10:15 AM - 11:30 AM

Washington Update - Top of Mind: Reinforcing Regulatory Priorities from Washington for the Coming Year

Join the banking industry's top regulators in a discussion about unfolding financial reform legislation and the impact it is having on their agencies and the banking institutions they supervise. New HMDA and fair lending regulations and the increased scrutiny by state regulators are all contributing to an evolving regulatory experience. Our panel of regulators will discuss their thoughts on the potential for changes in terms of compliance examinations, investigations and enforcement actions and how impending regulations may affect lenders and consumers.


  • Timothy R. Burniston, Senior Advisor, Regulatory Strategy, Wolters Kluwer


  • Dr. Eric S. Belsky, Ph.D., Director of the Division of Consumer and Community Affairs, Federal Reserve Board of Governors
  • Peggy Twohig, Assistant Director for Supervision Policy, Consumer Financial Protection Bureau
  • Grovetta Gardineer, Deputy Comptroller of Compliance Policy, Office of Comptroller of the Currency
  • Mark Pearce, Director, Division of Depositor and Consumer Protection, Federal Deposit Insurance Corporation

11:30 AM - 12:30 PM

Balancing Innovation with Compliance Risk: How Both Can Work for You

With continuous pressure to grow, today’s lenders are seeking to collaborate and explore what is possible for the future. However, compliance professions choosing to implement intelligent emerging tools and products must do so while balancing their compliance obligations across the three lines of defense. Take time now to put discipline around your approach to adopting advances in technology, communications and interconnectivity. Lenders that take extra care to mitigate risks while maximizing opportunities will realize the distinct advantages of disruptive technologies. This session will start to crack open some of the futuristic trends in lending, and with a special emphasis on CRA, HMDA and fair lending, discuss some key areas, including:

  • What is the universe of possibilities? (artificial intelligence, big data, E-Sign, E-disclosure, and disrupters, such as Fintech, Sofi, screen scraping)?
  • What is the new “norm” in lending? (speed, data analytics to cherry pick customers, more)?
  • What are some of the risks associated with technology advancements? (excluding populations, alternative credit analytics (usage and value))?
  • What are some potential pitfalls associated with adoption of innovative products, services, or processes?
  • How are regulators are supporting “responsible innovation”?


  • Stevie D. Conlon, Vice President, Tax & Regulatory Counsel, U.S. Advisory Services, Wolters Kluwer


  • Stacee Hasenbalg, Chief Compliance Officer, Avant
  • David Cotney, Board Member, Cross River Bank
  • Donna Murphy, Deputy Comptroller for Compliance Risk at the Office of the Comptroller of the Currency (OCC)

12:30 PM - 1:30 PM


1:30 PM - 2:40 PM

BREAKOUT: CRA: The Art of the Possible

CRA is 40 years old. What kind of progress has been made to bring this revered regulation into the 21st century? We have asked a group of regulators to outline available methods for affecting change, demonstrate progress toward change, and highlight opportunities for change in the future. This session is a great opportunity to get clarification on:

  • The Qs and As
  • Expectations and opportunities for internal and external training
  • CRA Reform


  • Karen Tucker, President, Tucker Consulting


  • Cathy Gates, Senior Project Manager, Oversight and Policy Section, Division of Consumer and Community Affairs, Federal Reserve Board of Governors
  • Stephanie Ovington, Field Office Supervisor, FDIC
  • Vonda Eanes, District Community Affairs Officer (NBE), Office of the Comptroller of the Currency
  • Anand S. Raman, Partner, Consumer Financial Services; Litigation; Government Enforcement and White Collar Crime

BREAKOUT: Fair Lending: The Practical Costs of Prevention, Non-Compliance and Reputational Recovery

A rise in the level of enforcement actions against lenders has resulted in perceived (and actual) concerns about increased exposure to fair-lending lawsuits. Lenders committed to fair lending expend substantial resources to ensure that credit decisions are based on a consumer’s qualifications for credit and without regard to factors such as race or national origin. From prevention to false positives, to findings and remediation, what should a fair lending program look like in today’s environment?

  • From large bank to community bank, how do you create a scalable fair lending compliance program?
  • What do regulators expect to see?
  • How do you measure performance relative to other lenders in the area – large and small?
  • How can you use consumer complaints in your prevention strategy?
  • How do you respond to an adverse finding? (Internal and external)
  • What if a finding is based on a false positive? A proxy analysis? An unlikely peer comparison?
  • What about the reputational impact of a finding? How do you manage – financially, practically?
  • What consideration should be given to social media?


  • Rick Freer, Senior Director, Examination and Compliance Programs, Center for Regulatory Compliance, American Bankers Association


  • Robert L. Turner, Vice President – CRA Officer / Fair Lending Manager, Colonial
  • Chris Carr, Vice President – Fair and Responsible Lending, Lending Integrity, State Employees’ Credit Union
  • Kimberly Topping Morris, VP, CRA and Fair Lending Officer, BankUnited, N.A.

BREAKOUT: Trends in Redlining Analysis: Redlining, REMA and Monitoring Fair Lending to Reach Underserved Populations

Almost any real estate agent in the world will tell you that the three most important things about property are location, location, location! With the convergence of CRA, Fair Lending, and HMDA, we are seeing a resurgence of location or geographical based analysis. How can an institution proactively monitor for and mitigate redlining risk? How do assessment areas come in to play? How do they interact with REMA….and just what on earth is REMA anyway? The concept of “reasonably expected market area” (“REMA”) is not new; however, since regulators consider an institution’s REMA, as well as its CRA assessment area, institutions should delineate and measure both. This session will look at:

  • The differences between REMA and CRA assessment area.
  • Principles behind defining a REMA based on the bank’s CRA Assessment Area, Trade Area and/or the geographical location of loan applications and originations for Fair Lending analyses.
  • Strategies for defining and mapping a REMA.
  • Defining the geographical areas for CRA performance and Fair Lending compliance.
  • Performance context as it relates to the bank’s defined CRA Assessment Area, including general performance context information, as well as a discussion of loan production offices and how they are considered when evaluating CRA performance.
  • Using a REMA, CRA Assessment Area, and/or a Trade Area when evaluating application and lending patterns and marketing and outreach practices throughout the Areas’ various geographies, as defined by racial and ethnic compositions.
  • Using a REMA in conjunction with a redlining analysis to evaluate a bank’s lending and level of services in majority minority census tracts.


  • Britt Faircloth, CRCM, Senior Regulatory Consultant, Advisory Services and Regulatory Relations, Compliance Solutions, Wolters Kluwer


  • Jon Seward, Principal Deputy Chief, U.S. Department of Justice
  • Matthew Zamora, Supervisory Examiner, FDIC
  • Charles LeFevre, CRCM, Senior Vice President, Chief Compliance Officer, Fidelity Bank
  • Andrew Sandler, Chairman and Executive Partner, Buckley Sandler

2:45 PM – 3:55 PM

BREAKOUT: Exam Prep 201: Advanced Preparation for Small and Intermediate Banks

Preparing for your next examination starts today. Join us as we look beyond the technical requirements to the areas that matter most. Learn what is “reasonable,” “substantial” and “excellent” and hear about resources available to help you assess your bank’s performance. The numbers are important, but putting them into context for your area is key to telling your story. This session is also important if you are on the cusp of moving from Small to Intermediate-Small Bank.

  • Getting agreement on the best measures for your performance
  • Gauging performance against standard benchmarks
  • Operationalizing your program internally and outlining targets and setting goals


  • Craig A. Nolte, Regional Manager, Community Development, Federal Reserve Bank of San Francisco
  • Ann-Marie Lefebvre, Consultant and Trainer, Wolters Kluwer

BREAKOUT: Reverse Engineering a Compliance Program from Consent Decrees, Enforcement Actions and More

When you read a headline about a bank or financial service provider that made news due to an enforcement action with a hefty fine, you may be tempted to say, “glad that wasn’t us”, breathe a sigh of relief, and move on. But a better practice may be to use their misfortune to improve your compliance program. During this session, experts will identify the value and the danger in using consent decrees and enforcement actions to “reverse engineer” a compliance program. They will demonstrate how you can mine that information to help your institution understand what the regulator was looking for, how to find threads that point to the end result, when to distinguish enforcement remedies from standard supervisory policy and how to examine for mistakes that banks commonly make in managing their compliance and fair lending programs. Speakers will then share advice on how to use this information to improve your Compliance Management System that includes reporting, testing and training that accounts for the lessons learned. From a sigh of relief to teachable moment, this session is appropriate for institutions of all sizes.


  • Richard Riese, Principal, SMAART.COnsulting


  • Olivia Kelman, Associate, K&L Gates LLP
  • Sameena Shina Majeed, Chief Housing and Civil Enforcement Section, Civil Rights Division, U.S. Department of Justice
  • Lucy E. Morris, Partner, Hudson Cook

BREAKOUT: HMDA Data Analysis: What Does the Data Say About You and Who is Looking?

Expanded HMDA will require institutions to submit an unprecedented amount of data. The implications of reporting this data include scrutiny by regulatory agencies, consumer advocacy groups, and the public. The questions are swirling. Let’s discuss a few and find some answers.

  • How can you group applicants for data analysis?
  • How can you identify potential new focal points within the expanded data set?
  • How can you ensure that you will know what your data says about you in advance of submission and subsequent publication?
  • In the absence of guidance around the new GMI data, what does the view look like? And what will your regulators see?
  • What should lenders watch for when expanded HMDA data is combined with already public data such as branching information, complaint data from the bureau, and PE Reports.
  • How do you do a HMDA risk assessment?
  • How will regulators use the expanded HMDA data for scoping?
  • How will the expanded HMDA data change exam preparation, expectations and results?


  • Rhonda R. Whitley, Assistant Vice President & Regulatory Counsel, Independent Community Bankers of America


  • Wanda D. Mobley, Compliance Manager, Corporate Compliance, Synovus Bank
  • Diane L. Slack, CMB, CRCM, SVP Director of Regulatory Management, Sandy Spring Bank
  • Josh Silver, Senior Advisor, NCRC

3:55 PM – 4:15 PM

Afternoon Refreshments with Exhibitors

4:15 PM - 5:30 PM

Hot Topics in Reform Impact, Oversight Trends, Enforcement Actions, and Heightened Regulator Expectations

Last week’s headlines are this week’s hot topics. We have pulled together a special panel of industry and regulatory experts so you can get the inside scoop. Panelists will share their insights into the most recent regulatory and Congressional actions that may impact your institution in the future, and what the year ahead holds. This popular session touches on the most pressing issues of the day. Let’s look for an update on”

  • Regulatory burden reduction
  • CRA modernization
  • Bank supervision: future state
  • Small Business RFI from the CFPB
  • The industry’s preparedness for expanded HMDA
  • HMDA – Final Actions
  • Privacy concerns around HMDA (what will be public?)
  • Update on the PHH case


  • Paul F. Hancock, K&L Gates LLP


  • Steve Zeisel, General Counsel, Executive Vice President, Consumer Bankers Association
  • Leonard Chanin, Senior Vice President, Deputy General Counsel, Fifth Third Bank
  • Lisa Rice, Executive Vice President, National Fair Housing Alliance

6 PM - 8:30 PM

Dinner Party: Continued Networking and Relaxation


Tuesday, November 7

7 AM - 8:30 AM


7:30 AM - 8:30 AM

Sponsored Breakfast: CRA Investing in Affordable Housing – There’s More Than Meets the Eye

Brought to you by: Community Capital Investment

For most Americans, housing is one of the greatest monthly expenses. For those with lower incomes, higher housing costs have greater implications because more money spent on rent or a mortgage means less money left over to cover basic costs of living. These individuals are often under a great amount of stress which can negatively affect a person’s physical and mental health. When people have access to affordable, safe housing, they are much more likely to live healthy lives, do well in school and at work, and improve their quality of life. Affordable housing is so much more than a roof over somebody’s head. Join this panel to hear why CRA investing in affordable housing is so important and why there’s more than meets the eye. Discussion topics will also include opportunities for banks to make CRA investments in affordable housing, the current administration’s potential impact on low-income individuals and the CRA, and what programs will still be available to help finance affordable housing projects.


  • Andy Kaufman, Senior Portfolio Manager, Community Capital Management, Inc.
  • Kelvin James, Senior Vice President & CRA Compliance Officer, Bank of Hope
  • Carla Jarrell, Community Development Officer, Pinnacle Financial Partners
  • Buzz Roberts, President and CEO, NAAHL | National Association of Affordable Housing Lenders

8:45 AM - 9:15 AM

Honorary Keynote Address
John Gore, Acting Assistant Attorney General, Civil Rights Division, U.S. Department of Justice

9:15 AM - 9:30 AM

Community Impact Award Ceremony

Please join your peers in recognizing this year's Community Impact Award recipient. This award recognizes a CRA or community development program and the dedicated compliance professional who has demonstrated innovative community lending, and has been instrumental in improving low- to moderate-income communities.


  • Nick Hammerstad, VP, Sponsor Acquisition, Banzai

9:30 AM - 9:45 AM


9:45 AM - 10:55 AM

BREAKOUT: Community Development Reboot

Changes in Washington have undoubtedly brought additional challenges to the community development arena. Potential (or these might be actual changes by November) changes to tax codes and federal budgets are causing many institutions to have to rethink their Community Development strategies. As some of your old favorite CD activities may be phased out, there can be competition for those that remain. CRA officers, now more than ever, need to be flexible and creative in designing their program but some may still want to get back to basics. If you are new to the role, how can you assess the needs of the community and be responsive to them? If your program is feeling a little stale, how can you become innovative and create a program that will have a meaningful impact on your community? It’s time to reboot your Community Development program and optimize it for 2018 and beyond. This session will cover:

  • Ideas for assessing the needs of the community
  • Strategies for finding a niche in a crowded services space
  • Practical examples of community development programs that work
  • Recent trends in community development investments


  • Krista Shonk, Vice President, Regulatory Compliance Policy, American Bankers Association


  • Vickie Tassan, Director of Community Investment, E*TRADE Financial Corporation
  • Jason Keller, Economic Development Director, Community Development and Policy Studies Division, Federal Reserve Bank of Chicago
  • Barry Wides, Deputy Comptroller Community Affairs, Office of Comptroller of the Currency
  • Ric Gaunt, VP, Community Development Manager, Cultural Enhancement, Umpqua Bank

BREAKOUT: Servicing: The Next Fish in the Widening Fairness Net

With significant new provisions to the mortgage servicing rules going into effect, lenders are investing in technology, making changes to servicing systems and developing new policies, procedures and processes to make sure that when borrowers fall behind they don’t face more difficulty in working out new payment plans because of a protected characteristic. With the potential for increased regulatory scrutiny in servicing, we thought it would be a good idea to talk about key areas including:

  • What does a fair serving risk assessment look like?
  • How do you look for disparate impact?
  • How do controls and analysis vary by product? (mortgage, student loan, small business)
  • What do the CFPB and DOJ look for?
  • What is the potential for consumer harm?
  • What impact have regulatory consent orders had on servicing?
  • What do the prudential regulators look for during servicing examinations?
  • What impact do non-bank servicers have in this space?


  • Rick Freer, Senior Director, Examination and Compliance Programs, Center for Regulatory Compliance, American Bankers Association


  • Elizabeth Singer, Director, U.S. Attorneys' Fair Housing Program, U.S. Department of Justice
  • Aaron Rykowski, CRCM, SVP - Chief Compliance Officer, WesBanco Bank
  • Summer Altobello, SVP of Fair Lending & Fair Servicing Compliance, Mr. Cooper
  • Kenneth Scott, Managing Director, Corporate Fair Lending Director, Global Consumer Banking Compliance, Retail Banking Citi

BREAKOUT: Small Business Lending: Meeting and Measuring the Demand for Credit with Amorphous Data

Section 1071 of the Dodd Frank Act adds a new provision to the Equal Credit Opportunity Act titled, “Small Business Loan Data Collection.” The legislative purpose of Section 1071 is “to facilitate enforcement of fair lending laws and enable communities, governmental entities, and creditors to identify business and community development needs and opportunities of women-owned, minority owned, and small businesses.” Just as data collected under HMDA helped create the framework for developing and enforcing fair lending principles in residential lending, Section 1071 is intended to do the same for women-owned, minority-owned, and small businesses. The provision will also help the CFPB to assess what is the demand for credit by these businesses, whether those demands are being met, and whether the businesses are being treated fairly. Banks are preparing now for data collection, maintenance and reporting requirements. This session will cover some of the questions related to the world of small business lending, including:

  • What is the status of the CFPB’s 1071 proposed rulemaking?
  • What data is available and how should it be considered? (Property location? Personal address of loan applicant? Guarantor information? Notes information?)
  • How do banks define a small business loan today? What dollar thresholds are common in the industry?
  • Are small business lenders included in your fair lending training program?
  • How do you do a fair lending analysis of small business data? Redlining analysis? Regression analysis? Proxy analysis?
  • What kind of controls should there be around discretion?
  • How do you do a small business risk assessment?
  • What should a small business CMS look like?
  • What are the regulatory expectations from the Bureau?


  • Michael McHenry, Supervisory Examiner, FDIC
  • Robert Rowe, Vice President & Associate Chief Counsel, Regulatory Compliance, American Bankers Association
  • Melanie Brody, Partner, Mayer Brown
  • Mark Schultz, Sr. Director, Fair Lending Compliance, Capital One
  • Dr. Aaron Schroeder, Director, Chain Bridge Partners, LLC

11 AM – 12:10 PM

BREAKOUT: CRA as a Business Strategy: The Culture That Creates a Community

CRA is as important today as it was when it was enacted in 1977. This regulation, along with targeted programs, can result in increased availability of credit and financial services. But how do you build out a culture that ensures CRA is taken seriously and fosters an impact in the community? How can banks move beyond policies and procedures to a mission-driven, big picture approach of advancing a high-quality of life and long-term economic growth in the communities they serve? And how can they foster this kind of impact on the community and remain profitable? This session will lay out strategies for:

  • Evaluating products for the best interests of the customers
  • Balancing the best interest of the customer with making a profit
  • Identifying sources for demographic and economic information
  • Instilling a culture of belonging and respect in bank staff around the purpose of community development as defined by CRA


  • Christina Speh, Head CRA Fair Banking & Testing Compliance, TD Bank


  • Angela M. Hudson, Director of Community Responsibility, Bank of the Ozarks
  • Benson Buzz Roberts, President and CEO, National Association of Affordable Housing Lenders (NAAHL)
  • Amy Howcroft, SVP, Enterprise CRA Compliance Manager, PNC Financial Corp.

BREAKOUT: UDAAP: Wielding a Powerful Tool to Protect Consumers

A UDAAP violation can cause severe reputational and financial damage and put growth strategies on hold and preventing M&A activity. This session will focus on new ways institutions can enhance their Complaint Management, UDAAP and Fair Lending components of their Compliance Management Systems. Learn from industry leaders how they continue to innovate processes to take advantage of data and increased reporting capabilities to attack potential risk to the Consumer. It's more important than ever before.


  • Mark K. Brown, Vice President Deputy Compliance Officer – UDAAP, Corporate Compliance, M&T Bank


  • Barbara Boccia, Senior Director, Advisory Services and Regulatory Relations, Compliance Solutions, Wolters Kluwer
  • Melissa Ingle Hammer, CRCM, VP, Senior Manager, CRA, Fair Banking and Compliance Testing (CFBC), TD Bank
  • Amy Downey, SVP, Protecting the Interest of Clients (PIC) Group, Bank of the West

BREAKOUT: HMDA 2018: Data Integrity, Process Testing, First Line of Defense Prep, (What Haven’t We Thought Of?)

January 1, 2018 has been circled on your calendar since October of 2015. While the industry appreciated a generous ramp up schedule, the last ten percent of any chore is always the hardest. We have asked a group of experts to provide an update on the latest regulatory guidance, share implementation best practices, and review strategies for overcoming last minute hurdles and challenges. Speakers will touch on:

  • Testing, testing, testing: are procedures achieving what was mapped in the policies?
  • CFPB edits
  • An update on the CFPB’s “Proposal to Clarify and Facilitate Compliance with the 2015 Updates to the Rule.”
  • CFPB resubmission standards
  • Tackling the tougher fields, such as multi-family units and income
  • Ensuring data accuracy – from the front line to submission
  • The new submission process
  • Geocoding
  • HMDA Compliance Management System (CMS)
  • Quarterly Reporting


  • Lorretta Salzano, Partner, Franzen and Salzano, P.C.


  • Laura L Foote, Vice President, RCA HMDA Program Risk Manager, U.S. Bank
  • Elliott Ponte, Consumer Financial Protection Bureau
  • Tina Cline, CRCM CCBIA, FVP/Chief Compliance & CRA Officer/Audit Manager, First Century Bank

12:15 PM - 1:30 PM

Regional Roundtable Lunch – Sit with Peers and Regulators from Your State!

1:30 PM - 2:40 PM

BREAKOUT: When to Consider a CRA Strategic Plan

The CRA regulations provide that a financial institution can elect to have its CRA performance evaluated under the strategic plan option after applying to its primary federal regulator to be evaluated under a strategic plan. The strategic plan option enables the institution to tailor its CRA goals and objectives to address the needs of its community consistent with its business strategy, operational focus, and capacity and constraints. A bank can tailor its CRA objectives to the needs of the community and to its own capacities, business strategies, and expertise. Therefore, not all the factors described in the regulation necessarily apply to each strategic plan. Come to this session to see if a strategic plan is right for your bank and get some tips and tricks for designing a workable plan. Speakers will consider:

  • Why and when to consider a strategic plan.
  • The mechanics of creating a strategic plan (Plan, measurable goals, performance context)
  • Strategies for involving the community for public comment
  • How is a strategic plan evaluated by regulators?
  • Does a strategic plan make sense for smaller institutions?


  • Jan Bergeson, CRA Officer, Ally Bank


  • Michael Selander, Division of Depositor and Consumer Protection, Field Supervisor Rocky Mountain Territory, FDIC
  • Jennifer A. Creger, CRCM, SVP/Senior Regulatory Officer, Crescent Bank
  • Craig Robinson, Head of Corporate Social Responsibility, Silicon Valley Bank

BREAKOUT: When Conduct Impacts Compliance, Fair Lending, and CRA Performance: Setting Boundaries, and Managing Consequences

When growth-oriented strategies are pursued and followed without a robust governance framework in place, there can be significant adverse consequences to an institution’s reputation, examination ratings and further expansion growth opportunities. Operationalizing your Compliance Management System (CMS) means pushing it to the front lines and incorporating it into every customer touch point. This session will look at strategies for integrating compliance management across the entire organization and the potential consequences for failing to do so. Experts will discuss:

  • Monitoring conduct to ensure it meets regulatory compliance expectations.
  • How CMS failures can adversely affect Compliance and CRA ratings.
  • How to communicate risks and requirements to every level of the organization.
  • The increased danger of reputational harm in the age of the Internet.
  • Evaluating sales practices and marketing efforts for potential disparate impact and UDAAP violations.
  • Creating a customer-centric pricing strategy.
  • Balancing price, risk, and customer relationship data.
  • Integrating your social media strategy.


  • Thomas Grundy, Senior Regulatory Consultant, Wolters Kluwer


  • Lori-Anne M. Lawton, CRCM, Vice President – Corporate CRA & Fair Lending Officer, Senior Regulatory Compliance Risk Manager, Webster Bank, N.A.
  • Mary Clouthier, SVP, Director of Enterprise Compliance Programs, KeyBank
  • Michelle Brewer, CRCM, Deputy Chief Compliance Officer, SVP, United Community Bank

BREAKOUT: Branching Out: Reaching New Markets Beyond the Branch

Technology is increasingly accessible across all communities, including those in LMI areas. A while ago, we were concerned about how the prohibitive costs of technology could impact LMI communities and their access to services. Delivering services to your customers is changing in this new world – and is moving beyond brick and mortar. But, will the way you are measured keep up with the changes? Let’s talk about reality.

  • Is the 2017 Smart Phone the 1977 branch?
  • Does the presence of a branch strengthen communities?
  • What do you do with a non-performing branch?
  • What do you put in a community as an alternative to a branch?
  • Trends in customer experience driving innovation.
  • How do you quantify and qualify all your services?
  • How do you define new market opportunities as part of a merger or acquisition?
  • How have the CRA Q and As addressed emerging technologies?
  • How do you correlate the deposit accounts with the alternative delivery systems?
  • Are your delivery systems reasonably accessible?


  • Jim Matthews, SVP, CRA Compliance, Capital One


  • Jonathan Miller, Deputy Director, Policy & Research, FDIC
  • Barry Wides, Deputy Comptroller Community Affairs, Office of Comptroller of the Currency

2:40 PM - 3 PM

Afternoon Refreshments with Exhibitors

3 PM – 3:15 PM

The Alfredo deHaas Excellence in Analytics Award

Please join your peers in a ceremony to present the 3rd Annual Alfredo deHaas Excellence in Analytics Award. This award recognizes the invaluable work of an individual who excels in leveraging data to demonstrate his or her institution's commitment to fair lending compliance and/or realizing CRA goals. This award is meant to trumpet the "unsung heroes" who embody Alfredo's passion and spirit for championing the creative and thoughtful use of data. Alfredo served valiantly as a compliance officer with Union Bank of California until his passing in 2013.

3:15 PM - 4:30PM

Standing the Test of Time: Compliance, CRA and Fair Lending (And Us)

Randomness and uncertainty feel like almost daily occurrences – and all of us must keep things stable as the tides shift. We have invited a group of experts who have witnessed a few decades of change to share their take on the current regulatory environment, share lessons learned from overcoming past obstacles, and share strategies for remaining agile. This entertaining conversation among industry “legends” will center on how doing the right thing for your customers, employees and other stakeholders will help your company weather whatever unpredictable storm might come your way. Areas we hope they will cover include:

  • The ebb and flow of regulation
  • Navigating administration changes
  • The overlay of CRA and Fair Lending
  • Forty years of CRA
  • Compliance management through challenging times
  • RegTech
  • Those darn millennials


  • Sandra Braunstein, Regulatory Compliance Consultant


  • Steve Cross, Senior Advisor, Alvarez and Marsal
  • John Taylor, President and CEO, National Community Reinvestment Coalition (NCRC)
  • Vickie Tassan, Director of Community Investment, E*TRADE Financial Corporation
  • Allen J. Fishbein, Associate Director, Division of Consumer and Community Affairs, Federal Reserve Board

4:30 PM

Evening On Your Own – Enjoy!


Wednesday, November 8

7 AM - 8:30 AM


7:30 AM - 8:30 AM

Sponsored Breakfast: CRA: How Much is Enough?

Brought to you by: Community Development Fund Advisors

Dr. Ken Thomas, the nation's leading CRA expert and author, has created specific quantitative guidelines for the various CRA examination standards based on his analysis of thousands of CRA Performance Evaluation since 1990. Although the regulators do not endorse guidelines or benchmarks, they are very helpful to all types and sizes of banks in preparing for a CRA exam.

Specific topics covered:

  • Why regulators and examiners prefer discretion rather than rules or guidelines
  • Specific guidelines for the key Lending Test ratios
  • Specific guidelines for Community Development Loans, Investments and Services
  • Different guidelines for Intermediate Small Banks vs. Large Bank Exams
  • How to compensate for weaknesses in the various CRA performance tests
  • The most important Qualitative factors to consider
  • The Top Ten Takeaways for preparing for your next CRA exam

Sponsored Breakfast: Embracing CRA Tech: How your bank’s culture can benefit from new data-driven approaches to community partnerships

Brought to you by: findCRA

At the end of the day, CRA is about reinvesting into your community and finding the right partners to support your community’s needs. After 40 years, it’s time to think about new approaches to identify high impact, rewarding relationships that do more than meet regulatory requirements. However, there’s no reason why you should build relationships the same way you always have. Technology has propelled most of the banking industry forward and CRA has begun to join that movement.

This session will include:

  • Creating a community reinvestment culture at your organization that drives employee engagement and morale
  • How the future of CRA is supported by RegTech
  • Using technology to build community relationships and measure their impact


  • Ben Loehle, CEO & Co-Founder, findCRA
  • Brian Waters, CRCM, President & Co-Founder, findCRA
  • Karl Nelson, Founder & CEO, KPN Consulting

8:45 AM - 9:45 AM

Translating A Love of Data into Actionable Reports: Data Wizards at Work

Behind every great Chief Compliance Officer is a data wonk who passionately cares about 1) their institution; 2) their customers; and 3) the data. We have enlisted a group of data wizards to share their secrets and practical wizardry for creating reports that can inspire action and determine direction. Tasked with creating reports to identify potential fair lending risk, opportunities for CRA development, and/or securing a deeper position for growth, this group of experts will share some of their hard-won insights on:

  • Strategies for isolating critical pieces of information so that decision makers can take immediate action;
  • Designing the optimal report delivery schedule so that executive management is always armed with critical information;
  • Communicating to the Board of Directors through reports and presentations;
  • Tips for speaking the language of data to the data illiterate; and
  • Advice for having frank, and sometimes difficult, conversations about what the data might reveal.


  • Heather Czermak, Senior Director Compliance Analytics, Wolters Kluwer


  • Karthikeyan Ganapathy, Capital One
  • Liza Mistry, Data Analytics & Integrity Manager, CRA, Fair Banking & Compliance Testing (CFBC), TD Bank
  • Daryl Hall, Fifth Third Bank

9:45 AM - 10:45 AM

Implicit Bias Workshop

Participants in this interactive workshop will explore emerging social science research to promote awareness of implicit bias and to foster fair decision making in their work. The training will discuss topics relevant to housing, property, lending, and land use. Allison Elgart, Legal Director of the Equal Justice Society, a national legal civil rights organization dedicated to transforming the nation’s consciousness on race through law, social science, and the arts will lead this session.


  • Allison Elgart, Legal Director, Equal Justice Society

10:45 AM - 11 AM


11 AM - 12 PM

Lessons, Learnings and More Advice to Share When You Return Home

Take home some valuable lessons that you can implement at home. You just spent three days listening to today’s leading experts identify regulatory trends, describe compliance strategies, and share practical advice for maintaining your sanity in today’s regulatory environment. Go back with a roadmap for navigating today’s hottest issues and avoiding trouble. This group of “voice of the industry” experts will dig deep and share practical advice on key takeaways, such as:

  • HMDA Data—what do you need to be doing now?
  • Fair Lending Testing Mechanisms (Disparate Impact, Proxy Data, Redlining)
  • Innovative CRA Activity
  • Regulatory expectations around CRA
  • Key regulatory initiatives
  • Trends in oversight and enforcement


  • Paul Hancock K & L Gates


  • Joy Hoffmann, Senior Vice President, CRA Officer, Bank of the West
  • Barbara Boccia, Senior Director, Advisory Services and Regulatory Relations, Compliance Solutions, Wolters Kluwer
  • Donna Murphy, Deputy Comptroller for Compliance Risk at the Office of the Comptroller of the Currency (OCC)
  • Cindy Collins, Chief Compliance Officer, Senior Vice President, Hancock Whitney Bank

12 PM

Colloquium Ends - See you next year!


Post-Conference Workshops

Post-Conference Workshops for CRA Wiz and Fair Lending Wiz Clients (Cost $225). Registration restricted to CRA Wiz and Fair Lending Wiz customers. Lunch will be served during the 12:30pm sessions.

12:30 PM – 3:30 PM

Advanced Fair Lending Wiz Training: Best Practices for Meeting Internal Obligations and Regulator Expectations (Cost $225)

Limited to Fair Lending Wiz Users; registration required; limited to 40 attendees

Leverage Fair Lending Wiz to enhance your compliance measures. During this advanced intensive training session, Wolters Kluwer CRA consultants will cover the essentials of CRA software process flows, including import format/data normalization, data and operational process enhancements, and custom documentation. This session will cover advanced techniques for using Fair Lending Wiz to conduct a fair lending risk review, comparative file review and regression analysis. Together. We will walk through a full fair lending analysis. Demonstrating advanced software techniques for conducting a fair lending assessment using risk review, a comparative file review, and regression analysis. This demonstration will mimic the Interagency Fair Lending procedures.


  • Jeffrey Robb, MBA, CRCM, Vice President Professional Services, Senior Regulatory Consultant, Risk and Compliance, Wolters Kluwer Financial Services
  • Wesley H. Zickefoose, Senior Consultant, Fair Lending, Wolters Kluwer Financial Services
  • Britt Faircloth, CRCM, Senior Regulatory Consultant, Advisory Services and Regulatory Relations, Compliance Solutions, Wolters Kluwer

Advanced CRA Wiz Training: Best Practices for Meeting Internal Obligations and Regulator Expectations (Cost $225)

Limited to CRA Wiz Users; registration required; limited to 40 attendees

Leverage CRA Wiz to enhance your compliance measures. During this advanced intensive training session, Wolters Kluwer CRA consultants will cover the essentials of CRA software process flows, including import format/data normalization, data and operational process enhancements, and custom documentation. We may also review advanced techniques creating assessment area maps and conducting a CRA self-assessment using demographic and performance context. Experts will share best practices and strategies for leveraging the software to address current CRA challenges.


  • Ann-Marie Lefebvre, Consultant, Compliance Analytics Consulting Services, Wolters Kluwer Financial Services
  • Shanon Conroy, Manager Business Service Processing, Wolters Kluwer Consulting Services, Wolters Kluwer