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Legal & Regulatory Compliance

AB 1482: Everything You Need To Know About California’s New Rent Control Law

Earlier this year, Governor Newsom signed into law controversial statewide rent control provision. In this webinar, explore the new law’s restrictions on both evictions and annual rent increases. Anyone who owns, intends to purchase, or is considering making a loan on rental property must understand the new law and how it will impact them moving forward as a homeowner or landlord.

Who Should Attend: Chief Credit Officer, Compliance Officer, Commercial Loan Officer, Consumer Loan Officer

Overview

2020 Annual Conference & Directors Forum
Hyatt Regency Scottsdale Resort & Spa at Gainey Ranch • Scottsdale, AZ
February 29 - March 4, 2020

“Facing the Future Together”

An event focused on guiding bank executives through the industry’s greatest challenges to achieve short- and long-term initiatives. This signature WBA event will be held at the beautiful Hyatt Regency Scottsdale Resort & Spa at Gainey Ranch. With more than 500 attendees in 2019 this conference is one you will not want to miss.

Overview

2020 Bank Presidents Seminar
Four Seasons Resort at the Biltmore • Santa Barbara, CA
January 7-9, 2020

The only Western Bankers Association program exclusively for member bank presidents and CEOs.

Senior leaders of western region banks are invited to attend this premier event which delivers informative sessions and powerful networking opportunities at the luxurious Four Seasons Resort at the Biltmore in Santa Barbara.

Agenda

Agenda

Monday, January 6, 2020
5:30 PM – 8:30 PM WBA and Banker Benefits Board of Directors Reception and Dinner
(Invite Only)
Tuesday, January 7, 2020
10:00 AM – 6:00 PM Registration Open
10:00 AM – 12:00 PM Executive Committee Meeting (Invite Only)
(Lunch Provided)
11:45 AM – 2:00 PM CBA Past Chairmen’s Luncheon (Invite Only)
2:15 PM – 3:15 PM Banker Benefits Board of Directors Meeting (Invite Only)
3:30 PM – 5:00 PM Board of Directors Meeting (Invite Only)
5:00 PM – 6:00 PM Welcome Reception (All Attendees)
Wednesday, January 8, 2020
8:00 AM – 4:00 PM Registration Open 
(Closed during luncheon: 12:00 p.m. – 1:15 p.m.)
8:00 AM – 9:00 AM Breakfast
9:15 AM – 9:30 AM Welcome Remarks & Opening Keynote Introduction

Steve Andrews 
President & CEO
Western Bankers Association
9:30 AM – 10:30 AM

Opening Keynote Address
 

Steve Hatfield
Principal, Global Future of Work Leader
Deloitte Consulting LLP

 

10:30 AM – 10:50 AM Refreshment Break
11:00 AM – 12:00 PM Learning Sessions – Series 1

Learning Session #1


M&A Outlook for 2020

- Aaron Axton, Managing Director, Keefe, Bruyette & Woods
- Jeff Wishner, Managing Director, Keefe, Bruyette & Woods
- Caspar Bentinck, Managing Director, Sandler O’Neill + Partners, LP
- David Sandler, Principal, Sandler O’Neill + Partners, LP


Learning Session #2

Facing the Liquidity Challenge Head On

Mark Haberland 
Managing Director
Darling Consulting
12:00 PM – 1:15 PM Luncheon
1:30 PM – 2:45 PM General Session

U.S. and California Economic Outlook​

Chris Thornberg
Founder 
Beacon Economics
2:45 PM – 3:15 PM Refreshment Break
3:15 PM – 4:30 PM Peer Networking Exchange
5:00 PM – 6:00 PM Reception
6:00 PM – 8:00 PM Dinner/Entertainment
Thursday, January 9, 2020
7:30 AM – 12:00 PM Registration Open
8:00 AM – 9:00 AM Breakfast
9:00 AM – 10:00 AM Learning Sessions – Series 2

Learning Session #1


The Latest on California’s Privacy Act

Kevin Gould
SVP, Government Relations
California Bankers Association

Nancy Thomas 
Partner
Morrison & Foerster LLP


Learning Session #2

Cybersecurity Takes a Seat in the Boardroom

Trent Fleming
Trent Fleming Consulting
10:00 AM – 10:30 AM Refreshment Break
10:30 AM – 12:00 PM Closing Keynote Speaker

Three Megatrends and Four Best Practices
That Will Shape Your Business Future


Richard Karlgaard
Publisher and Futurist
Forbes Media
12:00 PM Conference Adjourns
IT, Technology, & Operations

Customer Expectations, Elevating Capability, Strategic Solutions: Banks Adapting in a Changing Landscape

Whether you are new to banking or a grizzled veteran, learn how to expand your business and income by building strategic solutions and relationships. Join this webinar to learn about private debt funds and how they’re leveraged by banks as an alternative funding platform and springboard into commercial and multifamily bridge lending. Learn about utilizing practical solutions to navigate the customer expectations, elevate your institutions capability in servicing, funding and customer retention.

Who Should Attend: Credit & Lending Professionals, IT Manager, Information Technology Officer

IT, Technology, & Operations

Banking Cryptocurrency: BSA and Risk Considerations

With consumer and industry interest in cryptocurrencies rising, banks need to understand the risk and compliance considerations when looking to enter the cryptocurrency marketplace. In this session, learn what cryptocurrencies are, who the different cryptocurrency consumers are that might approach a financial institution for services, and the risk and compliance considerations a bank should consider when opening and maintaining accounts for cryptocurrency consumers. Build a base of knowledge on the considerations regarding cryptocurrency consumers and be ready when your bank is approached for services.

Who Should Attend: Chief Risk Officer, Compliance Officer, QA Analyst, Risk Officer, IT Director

Legal & Regulatory Compliance

Banking Cryptocurrency: BSA and Risk Considerations

With consumer and industry interest in cryptocurrencies rising, banks need to understand the risk and compliance considerations when looking to enter the cryptocurrency marketplace. In this session, learn what cryptocurrencies are, who the different cryptocurrency consumers are that might approach a financial institution for services, and the risk and compliance considerations a bank should consider when opening and maintaining accounts for cryptocurrency consumers. Build a base of knowledge on the considerations regarding cryptocurrency consumers and be ready when your bank is approached for services.

Who Should Attend: Chief Risk Officer, Compliance Officer, QA Analyst, Risk Officer, IT Director

Human Resources & Staff Training

HR as a Center of Excellence: Making Your Department the Hub of Culture & Engagement

The American workforce has more than 100 million full-time employees. One-third of those employees are engaged at work. They love their jobs and make their organization better every day. At the other end, 16% of employees are actively disengaged — they are miserable in the workplace and destroy what the most engaged employees build. The remaining 51% of employees are not engaged — they’re just there. How do you transform your workplace culture into a culture of engaged employees? This session will explore culture, engagement, and HR as a center of excellence for driving positive change.

Who Should Attend: MR Director, HR Manager, HR Business Partner

Credit & Lending

Customer Expectations, Elevating Capability, Strategic Solutions: Banks Adapting in a Changing Landscape

Whether you are new to banking or a grizzled veteran, learn how to expand your business and income by building strategic solutions and relationships. Join this webinar to learn about private debt funds and how they’re leveraged by banks as an alternative funding platform and springboard into commercial and multifamily bridge lending. Learn about utilizing practical solutions to navigate the customer expectations, elevate your institutions capability in servicing, funding and customer retention.

Who Should Attend: Credit & Lending Professionals, IT Manager, Information Technology Officer

Sessions

On Fire: Choices to Ignite a Radically Inspired Life

In this inspiring keynote, John O’ Leary shares his story of survival after having 100% of his body burned in a household fire. Given less than one percent chance of survival, John is proof of the power of the human spirit. Experience John’s gift of combining emotional storytelling with unexpected humor, as he reminds audiences of the significance of daily attitudes, the power of gratitude, and the impact of serving others with courage. He reawakens audiences to realize the gift of today and the possibility of tomorrow and how to tie this into your organization’s succession plan.

Agenda

Agenda

Friday, February 28, 2020
10:30 AM – 12:00 PM WBA Executive Committee Meeting (Invite Only)
1:15 PM – 2:45 PM WBA Board of Directors Meeting (Invite Only)
3:00 PM – 5:00 PM Registration Open
3:30 PM – 5:00 PM Banker Benefits Board Meeting (Invite Only)
5:30 PM – 8:00 PM Board Reception & Dinner (Invite Only)
Saturday, February 29, 2020
7:00 AM – 3:00 PM Registration Open
(*Must pickup baseball game ticket prior to 1:00 PM)
7:00 AM – 1:00 PM Golf Tournament
 - Continental Breakfast: 7:00 AM 
 - Shotgun Start: 8:00 AM
9:00 AM – 2:00 PM One-on-One Meetings with Regulators 
(By Appointment Only)                  
1:00 PM – 5:00 PM Spring Training Baseball Game at Salt River Field:
Los Angeles Dodgers vs. Colorado Rockies
(*Transportation on own)
(**Please pick up your tickets at the registration desk
before leaving for the game)
Sunday, March 1, 2020
8:00 AM – 3:30 PM Registration Open                                                          
8:00 AM – 9:00 AM One-on-One Meetings with Regulators 
(By Appointment Only)
9:00 AM – 10:30 AM Welcome & Opening General Session

It’s Your Ship

Mark Abrashoff
Naval Commander
Leadership & Teamwork Expert
10:30 AM – 1:15 PM Marketplace Open
10:30 AM – 11:00 AM Refreshment Break
11:00 AM – 12:00 PM Learning Sessions

Learning Session #1

Capital Planning:
Much More Than an Adequacy Exercise


Gary Svec, CPA
Managing Director
Performance Trust Capital Partners, LLC


Learning Session #2

Technology’s Role in Growing the
Community Bank of the Future


George Leis 
President 
Montecito Bank & Trust

Dan O’Malley 
Founder & CEO 
Numerated


Learning Session #3

A Great Place to Work: At the Intersection of
Communication, Culture, Leadership, and Talent


Eric Swenson
Managing Director
RSJ/Swenson LLC
11:30 AM – 1:00 PM One-on-One Meetings with Regulators 
(By Appointment Only)
12:00 PM – 1:15 PM Lunch
1:15 PM – 2:30 PM General Session

Economic Update

Dr. Peter Rupert
Professor of Economics
University of California, Santa Barbara
2:00 PM – 2:30 PM One-on-One Meetings with Regulators 
(By Appointment Only)
2:30 PM – 3:45 PM Peer Exchange Session – Bankers & Directors Only
4:00 PM – 5:30 PM Welcome Reception
Monday, March 2, 2020
7:00 AM – 3:30 PM Registration Open                                                          
7:30 AM – 3:30 PM Marketplace Open
7:30 AM – 8:30 AM Breakfast in Marketplace
8:30 AM – 9:30 AM General Session

Regulatory Panel

Kathy Moe
Regional Director
Federal Deposit Insurance Corporation (FDIC)

Kay Kowitt
Deputy Comptroller Western District
Office of the Comptroller of the Currency (OCC)

Joe Lozano
Vice President, Regional Institutions​
Federal Reserve Bank of San Francisco (FRBSF)
9:30 AM – 10:00 AM Refreshment Break
10:00 AM – 11:00 AM Learning Sessions

Learning Session #1

Scenario Planning, M&A, & Strategic Options:
The New Defensive Playbook


Speaker TBD

Learning Session #2

Upside Down Thinking on Efficiency:
Changing Priorities to Drive Results


David Furnace
Chief Executive Officer
Haberfeld Associates


Learning Session #3

TBD
10:30 AM – 3:00 PM Optional Activity: A Taste of Old Town Scottsdale
11:10 AM – 12:15 PM General Session

Banking Cannabis with Eyes Wide Open (Panel)

- Chris Cook, Chief Compliance Officer & Co-Founder, StandardC
- Richard Laiderman, Co-Founder & Board Chair, StandardC
- Erin Gore, CEO & Founder, Garden Society
- Teveia Barnes, Former Commissioner of the
   California Department of Business Oversight
12:15 PM – 1:30 PM Lunch
1:30 PM – 2:30 PM Learning Sessions

Learning Session #1

Incident Response Panel

- Sean Hoar, Partner & Chair,
      Lewis Brisbois Bisgaard & Smith LLP
- Peter Marchel, Esq., Marchel & Associates Risk Consulting
- Casey Boggs, President, ReputationUs


Learning Session #2 & #3

TBD
2:30 PM – 3:30 PM Dedicated Marketplace Time
3:15 PM – 4:30 PM Midsized Bank Council Meeting
3:15 PM – 4:30 PM Community Bank Council Meeting
  Evening Open for Vendor Dinners
Tuesday, March 3, 2020
7:00 AM – 4:00 PM Registration Open                                                          
7:00 AM – 8:30 AM AMAC Meeting (Invite Only)
7:30 AM – 1:30 PM Marketplace Open
7:30 AM – 8:30 AM Breakfast
8:30 AM – 9:30 AM General Session

A Washington Perspective

Rob Nichols (invited)
President & CEO
American Bankers Association
9:30 AM – 10:00 AM Refreshment Break
10:00 AM – 11:00 AM Peer Exchange Sessions – Bankers & Directors Only
11:10 AM – 12:15 PM Learning Sessions

Learning Session #1

The Battle for Deposits:
Firepower Through Data and Digital


David Catalano 
SVP, Business Development Manager 
Baker Hill

Tim Keith 
Chief Marketing Strategist, Analytics & Marketing 
Baker Hill


Learning Session #2

Streamlined ALCO:
Best Practices for Allocating Time & Resources


Brian Heim 
Principal Member
IRR-analytics, LLC


Learning Session #3

Planning for Succession:
Creating a Robust Pipeline for Organizational Success


Kathy Baron
Vice President
Pearl Meyer

Greg Swanson
Managing Director
Pearl Meyer
12:15 PM – 1:30 PM Lunch & Exhibitor Prize Drawings in Marketplace
1:00 PM – 3:30 PM Guest Activity: Wine & Painting Class
1:30 PM – 2:30 PM General Session

Better Than Before: How to Make Digital Banking
More Personal & Meaningful Than Banking
in the Branch … By Using Your People in the Branch


Lee Wetherington
Director of Strategic Insight
Jack Henry & Associates, Inc.
2:30 PM – 2:45 PM Refreshment Break
2:45 PM – 4:00 PM Closing General Session

On Fire: Choices to Ignite a Radically Inspired Life

John O’Leary
Inspirational Speaker & Author
4:00 PM – 5:00 PM Leisure Time
5:00 PM – 8:00 PM Farewell Reception & Dinner
Wednesday, March 4, 2020
10:00 AM – 3:00 PM Optional Activity: Salt River Float Trip    
Credit & Lending

Asset Based Lending: Easier Said Than Done – Policy and Underwriting Guidance for ABL Receivables and Inventory

Asset-based lending (ABL) is a form of commercial lending designed to finance safely the working capital needs of a borrower whose cash flow may not support debt repayment. Like other commercial loans, cash flow is the primary repayment source for an asset-based loan but with stronger reliance on the company’s assets as collateral and firmer control over the receipts of the collateral’s liquidation. Monitoring and controlling collateral are critical to the asset-based lender to mitigate repayment risk. Collateral evaluation begins with a comprehensive field examination to determine value, followed by a continuing program of periodic examinations. The collateral and loan values are monitored continuously (daily/weekly/monthly) to ensure that the realizable value of the collateral is always enough to repay outstanding. This session will explain how the ABL policy and process must work to ensure the bank is repaid on time, in full, and as agreed

Who Should Attend: Credit Officer, Lending Officer, Risk Officer, Commercial Lending Officer

Sessions

Incident Response Panel

Combating cyber incidents and protecting a bank’s data and reputation has promptly become the industry’s top priority. The FBI has reported more than 4,000 cyber incidents occur on average each day. These incidents – breach, ransomware, data privacy, etc. – can immediately disrupt operations and affect your bank’s bottom line. During this panel discussion, hear the latest news on cyber threats, combative measures, and specific bank consultation on incident response preparedness, including areas such as cybersecurity insurance policy review best practices, state-by-state notification obligation analysis, reputation vulnerabilities, and much more.

IT, Technology, & Operations

Aligning Leadership Development to Business Priorities

Leaders have the single most influence on employee performance. How well are your leaders aligned to the organization’s performance goals and business priorities? In this webinar, participants will learn what employees in the banking industry have to say about leadership—specifically, how leaders influence their engagement and motivation to achieve goals. Relevant topics to be discussed during the webinar include identifying operational improvement priorities, and the relationship of leadership excellence to achieving goals and results.

Who Should Attend: Bank Director, SVP, Operations Manager

Overview

2020 Lenders & Chief Credit Officers Conference
The Ritz-Carlton, Laguna Niguel • Dana Point, CA
November 3 - 6, 2020

The 2020 Lenders & Chief Credit Officers Conference brings together lending professionals from across the West Coast for four days of premier education and networking opportunities. Hear from business leaders, strategists, and peers during interactive sessions designed to explore shared opportunities and challenges, discuss examiner expectations, and develop a greater understanding of today’s marketplace.

Overview

2020 Regulatory Compliance Conference
Caesars Palace • Las Vegas, NV
October 6 - 9, 2020

From the practical extension of disaster contingency to the fundamentals of vendor management, compliance continues to be a high stakes game of consequence.

In support of the scrutiny that accompanies compliance and risk, Western Bankers Association offers the Regulatory Compliance Conference, a program dedicated to providing in-depth coverage of the best practices and regulatory changes impacting today’s financial services industry. More than compliance and risk management, the event addresses critically important issues and advances a proactive approach to this rapidly changing field.

Hotel

Hotel & Travel

Four Seasons Resort at the Biltmore (Room block is now sold out)
1260 Channel Drive
Santa Barbara, California 93108
(805) 565-8299
Biltmore check-in time is 4:00 p.m. and check-out time is 12:00 p.m.

The hotel room block at the Four Seasons Resort at the Biltmore is now sold out.
For accommodations please check below for the other hotels in the area.

Important Note Regarding Hotel Cancellations: the Four Seasons Resort at the Biltmore has a 21-day cancellation policy and requires a fully non-refundable deposit of all nights’ room and tax to secure your reservation. Should you need to cancel, your cancellation must be received with 21-days prior to your confirmed arrival. Your confirmed reservation and the above cancellation policy will be provided in writing, via email, to you from the Four Seasons Resort, The Biltmore.

Parking: overnight valet $38, daily self parking $20

Other hotels in the surrounding area:

Montecito Inn - (0.5 miles away from The Biltmore)
1295 Coast Village Road
Santa Barbara, California 93108
(800) 843-2017

Hilton Santa Barbara Beachfront Resort (2.7 miles away from The Biltmore)
(Formerly the Fess Parker Hotel)

633 East Cabrillo Boulevard 
Santa Barbara, CA 93103
(800) 879-2929

Hyatt Centric Santa Barbara Hotel (2.8 miles away from The Biltmore)
1111 East Cabrillo Boulevard
Santa Barbara, CA 93103
(805) 882-1234

Kimpton Canary Hotel (5 miles away from The Biltmore)
31 West Carrillo
Santa Barbara, CA 93101
(866) 999-5401
(805) 884-0300

The Ritz Carlton Bacara Santa Barbara (17.4 miles away from The Biltmore)
8301 Hollister Avenue
Santa Barbara, CA 93117
(805) 968-0100

Speakers

David Sandler
Principal
Sandler O’Neill + Partners, LP

David C. Sandler is a Principal and Co-Head of Investment Banking at Sandler O’Neill + Partners, L.P. He works with the firm’s West Coast clients in all aspects of strategic planning and franchise value enhancement, including asset/liability management, mergers and acquisitions and corporate finance.

Speakers

Jeff Wishner
Managing Director
Keefe, Bruyette & Woods

Jeffrey J. Wishner is a Managing Director in the San Francisco office at Keefe, Bruyette & Woods. Mr. Wishner has 25 years of experience advising West Coast banks, thrifts and financial institutions on mergers and acquisitions and capital raising transactions.

Speakers

Caspar Bentinck
Managing Director
Sandler O’Neill + Partners, LP

Caspar Bentinck is a Managing Director in the Investment Banking Group of Sandler O’Neill + Partners, L.P. Based out of the firm’s San Francisco office, he has extensive financial industry experience with a specific focus on mergers and acquisitions and capital raising for banks and thrifts. In the last several years, he has helped raise over $100bn globally in the debt and equity capital markets and advised on some of the largest bank mergers in the Western region.

Sessions

M&A Outlook for 2020

The session will explore the current M&A environment in the western region and the outlook for 2020. The session will take the perspective of both the buyer and seller and discuss the elements of what makes a deal come together successfully, and what can negatively impact a deal. Both quantitative measures and qualitative concerns will be reviewed in this interactive session.

Speakers

Aaron Axton
Managing Director
Keefe, Bruyette & Woods

Aaron J. Axton is a Managing Director in KBW’s highly ranked Depositories Investment Banking Department serving banks in North America and Europe. Mr. Axton has been providing strategic advice to West Coast banks, thrifts and financial institutions for over 19 years.

Guest Activity

Guest Activity
Mixology 101

Have you ever wondered what goes into a drink and why? At “Mixology 101” attendees will receive a private lesson with a leading Mixologists learning about different cocktails served at The Biltmore. They will get inside tips and tricks from the pros that they can use at home. The Mixologists will create seasonal cocktails and breakdown each key ingredient used. During the hour-long session, attendees will learn both the how and the why behind many of their favorite cocktails. They will also taste drinks, interact with each cocktail and take home a “how to guide” for their next party.

Post

Ratios & Covenants — What, Why, & When?

This webinar will discuss credit risk as it relates to ratios and covenants. Additional discussion will cover the “triple trinities” of purpose, repayment ability, and structure. Hear how credit risk varies and how to create covenants and ratios that will protect the bank by helping to ensure that the borrower will repay on time, in full, and as agreed. This session summarizes key elements of knowing the customers and red flags you need to look for.

Who Should Attend: Commercial Loan Officer, Retail Loan Officer, Junior Loan Officer, Business Development Officer

Post

Customizing Long-Term Incentives for Your Bank

In this webinar, explore different long-term incentives utilized in the banking industry, including real and “synthetic” equity vehicles. Learn about three case studies that demonstrate how a closely held bank, a widely held private bank, and a public bank might utilize equity-based awards. For each case study, the presenters cover strategy, types of equity used, granting methodologies, and discuss how each bank customizes long-term incentives to best fit their organization.

Who Should Attend: Chief Executive Officer, Chief Operating Officer, Human Resources Officer, Engagement Specialist