39th Annual Regulatory Compliance Conference – Materials
Paradise Point Resort & Spa • San Diego, CA


Keeping up with the latest regulatory changes and compliance issues can be more than a full-time job. If you’re like most financial services professionals, you have little free time to devote to this top business challenge. You won’t want to miss one of the finest compliance programs in the West where nearly 200 BSA/AML officers, compliance officers and attorneys representing our members are all in search of the best education, products and services available to their institution.

Paradise Point Resort & Spa Video


*Subject to change

Tuesday, October 3, 2017

12:00 p.m. – 6:30 p.m. Registration Open
1:00 p.m. – 2:30 p.m. Workshops – Part I
  • Basic Deposits A to Z – Part I
  • Basic Lending Compliance – Part I
2:30 p.m. – 3:00 p.m. Refreshment Break
Sponsored by Moss Adams, LLP
3:00 p.m. – 4:30 p.m. Workshops – Part II
  • Basic Deposits A to Z – Part II
  • Basic Lending Compliance – Part II
4:30 p.m. – 5:00 p.m. Refreshment Break
5:00 p.m. – 6:00 p.m. Opening Keynote Presentation
Stress-Proof Your Brain
Jenny Evans
6:00 p.m. – 7:00 p.m. Welcome Reception
Sponsored by Verafin

Wednesday, October 4, 2017

7:30 a.m. – 5:30 p.m. Registration Open
7:30 a.m. – 9:00 a.m. Breakfast & Marketplace Opening
8:45 a.m. – 9:00 a.m. Welcome & Conference Overview
Laura Hansen
Conference Chair
Regulatory Compliance Conference Committee
9:00 a.m. – 10:00 a.m. The U.S. and California Economic Outlook
Dr. Scott Anderson
Chief Economist and Executive Vice President
Bank of the West
10:00 a.m. – 10:30 a.m. Refreshment Break in Marketplace
10:30 a.m. – 12:00 p.m. Concurrent Sessions- Series I
- Fintech 101
- Implementing the New Regulation C (HMDA) for 2018
- Risk Assessments: Your Risk Management Compass
- UDAAP Compliance
12:00 p.m. – 1:15 p.m. Networking Lunch
1:30 p.m. – 2:45 p.m. California Legislative Update
Kevin Gould
SVP, Director of State Government Relations
California Bankers Association
2:45 p.m. – 3:15 p.m. Refreshment Break in Marketplace
3:15 p.m. – 4:45 p.m. Concurrent Sessions- Series II
- Fintech 101
- Implementing the New Regulation C (HMDA) for 2018
- Risk Assessments: Your Risk Management Compass
- UDAAP Compliance
4:45 p.m. – 6:00 p.m. Exhibitor Recognition Reception & Prize Drawings in Marketplace

Thursday, October 5, 2017

7:30 a.m. – 4:30 p.m. Registration Open
7:30 a.m. – 8:30 a.m. Breakfast in Marketplace
8:30 a.m. – 10:00 a.m. Concurrent Sessions- Series III
- BSA/AML Culture of Compliance
- California Law and Litigation Update (does not repeat)
- Operations Potpourri
- When Should You Start Planning for Your Next CRA and Fair Lending Exam? How About Now!
10:00 a.m. – 10:15 a.m. Refreshment Break in Marketplace
10:15 a.m. – 11:45 a.m. Concurrent Sessions – Series IV
- BSA/AML Culture of Compliance
- New Mortgage Servicing Rules (Mostly for the Small Servicer) – (does not repeat)
- Operations Potpourri
- When Should You Start Planning for Your Next CRA and Fair Lending Exam? How About Now!
11:45 a.m. – 1:00 p.m. Luncheon and Compliance Professional Award Presentation
Sponsored by Thomson Reuters
1:00 p.m. – 2:30 p.m. Concurrent Sessions – Series V
- “Back to the Future” Emerging Payment Systems (does not repeat)
- Flood Insurance Regulations – Keeping Up with the Rising Tide
- Telephones, Texts and the TCPA: What You Should Know Before You Call
- The Military Lending Act Amendments: A Year in Review
2:30 p.m. – 3:00 p.m. Refreshment Break in Marketplace
3:00 p.m. – 4:30 p.m. Regulator Panel
4:30 p.m. – 6:00 p.m. Beach Party Reception
Sponsored by Aldrich & Bonnefin, PLC

Friday, October 6, 2017

7:30 a.m. – 12:00 p.m. Registration Open
7:30 a.m. – 8:30 a.m. Breakfast
8:30 a.m. – 10:00 a.m. Concurrent Sessions – Series VI
- ADA Website Compliance – A Strategic Imperative
- Flood Insurance Regulations – Keeping Up with the Rising Tide
​- Telephones, Texts and the TCPA: What You Should Know Before You Call
- TRID: From the Man Who Wrote the Rule
10:00 a.m. – 10:30 a.m. Refreshment Break
10:30 a.m. – 12:00 p.m. Concurrent Sessions – Series VII
- ADA Website Compliance – A Strategic Imperative
- Commercial Lending Compliance: The Old, the New and the Unknown
​- TRID: From the Man Who Wrote the Rule
- The Military Lending Act Amendments: A Year in Review​
12:00 p.m. Conference Adjourns


Jenny Evans, CEO | PowerHouse Performance

Jenny is a speaker, award-winning author and on-air expert on resiliency, stress, confidence and human performance. She is founder and CEO of PowerHouse Performance and author of the award-winning book The Resiliency rEvolution: Your Stress Solution for Life – 60 Seconds at a Time.

Working with thousands of C-suite executives, leaders and employees worldwide, Jenny’s dynamic presentations move audiences to define and achieve success in both business and life…all in the face of the unrelenting demands of being a human in the 21st century. Audiences tap into their personal power and confidence, as well as learn how to increase their capacity for stress and to recover from it more quickly and effectively. Clients improve their performance and productivity, all while enhancing their health.

Jenny has spoken on the TEDx stage, writes as a blogger for The Huffington Post and was NBC KARE 11’s Health & Fitness expert for over four years. She has been quoted on National Public Radio, in Health Magazine and Women’s Health, while being showcased on FastCompany.com, Inc.com, Entrepreneur.com, Shape.com and Elle.com.

She holds a Bachelor of Science in Kinesiology with an emphasis on Psychology from the University of Minnesota, has been an American Council on Exercise Certified Personal Trainer and Group Fitness Instructor for over 20 years, and is a certified Exercise Nutritionist. In her spare time she is a competitive athlete, races duathlons and is an aerial arts performer…because you never know when you’re going to need a backup plan.

Dr. Scott Anderson, Chief Economist, Executive Vice President | Bank of the West

Dr. Scott Anderson is a Chief Economist and Executive Vice President at Bank of the West.  As an experienced economic advisor in the financial services sector, Anderson has consistently been recognized as one of the top economic forecasters in the country by Bloomberg and USA Today.  Prior to Bank of the West, he was a Director and Senior Economist at Wells Fargo. He has held positions at Moody’s Analytics and the International Monetary Fund.

Kevin Gould, SVP, Director of Government Relations | California Bankers Association

Kevin Gould joined the CBA in 2004, bringing with him more than seven years of legislative experience. Gould serves as one of CBA’s registered lobbyists, focusing mainly in the areas of bank operations, commercial lending, residential property lending, construction dispute resolution, wealth asset management and trust issues.

André Smiley, Community Banking Risk Management – Regulatory Programs Team | Wells Fargo Bank, NA

André Smiley has more than 20 years’ experience in the banking industry, much of which he has spent in senior compliance roles in a number of different financial institutions. Smiley also has experience managing operational risk management programs, particularly focused on the deployment and management of governance risk and compliance platforms.  Currently he manages a team of compliance professionals responsible for providing regulatory guidance in support of business operations as well as a team that is responsible for managing regulatory compliance examinations and internal audits.  Smiley earned his B.A from the University of California Los Angeles, (UCLA) and has been a Certified Regulatory Compliance Manager (CRCM) since 2004.

Diane Wemple Baxa, Senior Vice President and Senior Counsel | City National Bank

Diane Wemple Baxa has been an attorney for financial institutions since 1980 and is currently senior vice president and senior counsel with City National Bank in Los Angeles, having joined the legal division in 1985.  Ms. Baxa handles litigation involving negotiable instruments and other operational issues.  She serves as the bank’s operations compliance and bank secrecy act attorney.  She also provides general operations advice, especially in the areas of legal process, account documentation and bank fraud.

Ms. Baxa earned a B. A. degree in political science, summa cum laude, from California State Polytechnic University, Pomona and her J. D. from the University of Southern California.  She is married with two children and two grandchildren.

Paul Sakae Shimotake, Senior Counsel | Wells Fargo Bank, N.A.

Paul Sakae Shimotake is a Senior Counsel in the law department of Wells Fargo Bank, N.A.  His primary areas of practice are: deposit services and products; bank operations; electronic banking; compliance with state and federal laws and regulations relating generally to bank deposits and operations. 

Paul is a longtime member of the Regulatory Compliance Committee and currently serves as Chair of the Committee.  Paul is also a member and past-Chair of the State Bar of California, Financial Services Committee, and past-Chair of the San Francisco Bank Attorneys Association. 

Phyllis Scipi, Chief Compliance Officer | Mechanics Bank

Phyllis Scipi joined Mechanics Bank in 2008 and became a Compliance Officer in 2015.  With over 27 years in the banking industry, Phyllis brings a broad depth of experience to the area of compliance with an extensive background in underwriting, secondary marketing, and management.  Prior to joining Mechanics Bank, she held progressively advancing positions with World Savings, IMX Exchange, Redwood Residential Funding, GMAC, First Nationwide, and Citibank.

Phyllis has a BA in Human Development from Cal State Hayward.

Stephanie Shea, Attorney | Aldrich & Bonnefin, PLC

Stephanie A. Shea is an associate with Aldrich & Bonnefin, PLC.  As an associate in the firm’s Consumer Practice Group, she specializes in consumer and mortgage lending, including TILA, RESPA, ECOA and FCRA, as well as the flood insurance regulations.  She obtained her Juris Doctorate from Chapman University School of Law in May 2011, Magna Cum Laude. While at Chapman, she served as Article Editor for Chapman Law Review.  Her bachelor’s degree is from UCLA.

Deborah Thoren-Peden, Partner | Pillsbury Winthrop Shaw Pittman LLP

Deborah Thoren-Peden is a firm partner and former Managing Board Member at Pillsbury Winthrop Shaw Pittman LLP. She is Co-Leader of the Firm’s Payments Team; Co-Leader of the Firm’s Consumer & Retail Team; Leader of the Privacy Team, Co-Leader of the Firm’s Cybersecurity Team; Leader of the Firm’s Unclaimed Property Team with a strong track record of assisting clients on successful launches of new products and services in the payments sector and other industries, including traditional and emerging payments, electronic wallets, mobile payments, digital currency, virtual currency (e.g., bitcoin) and rewards. She advises a spectrum of industries on payments, privacy and cybersecurity laws and regulations. She also advises on responding to requests for information from governmental and law enforcement agencies or otherwise providing information to such agencies. She is an expert on compliance with anti-money laundering laws and economic sanctions overseen by the Office of Foreign Asset Control of the U.S. Department of the Treasury (“OFAC”).

Janet Bonnefin, Principal | Aldrich & Bonnefin, PLC

Janet Bonnefin specializes in mortgage and consumer lending regulations, compliance management, fair lending and CRA. Janet manages Bankers’ Compliance Group®, an innovative legal service firm that provides to approximately 120 California banks, thrifts and credit unions, and serves as the editor of all BCG publications. Janet also serves as an instructor for the ABA Foundational Compliance School, most recently lecturing on FCRA. Janet is also a member of the CBA Regulatory Compliance Committee.

Carolyn Fulton, CRCM, VP, Credit Compliance Officer | Exchange Bank

Carolyn is a Vice President and the Credit Compliance Manager for Exchange Bank, a community bank with assets of $2.2 billion located in Santa Rosa, CA. There she is a member of the Risk Management team and is primarily responsible for the oversight of the Bank’s loan compliance program. In addition, she recommends and implements revisions to loan policy. She is a graduate of ABA’s National Compliance School, was designated as a Certified Regulatory Compliance Manager in October of 2004, and received the California Bankers Association Compliance Professional Award in 2016.

Steven Arnold, EVP, General Counsel & Chief Risk Officer | Pacific Premier Bank

Steven Arnold is the General Counsel & Chief Risk Officer at Pacific Premier Bank.  Prior to joining the Bank, he was a Partner in the financial services group at Manatt, Phelps & Phillips, LLP.  He also served as Managing Counsel at Toyota Financial Services.  Mr. Arnold started in banking as a new accounts representative and has more than 20 years’ experience in the industry. His practice covers all areas of risk management and banking operations, including loan documentation, deposit operations, cash management services, BSA/AML/OFAC, consumer compliance, vendor management, privacy, etc.

Jill Richards, Chief Compliance Officer | Charles Schwab Bank

As Chief Compliance Officer of Schwab Bank, Jill Richards is responsible for managing the development, implementation, maintenance and administration of the Bank’s Compliance Management Program, including advising Schwab Bank management on policies, procedures and controls necessary to comply with federal banking laws, rules and regulations.

Richards began her career with Schwab Bank in 2006 as a Director of Bank Compliance.  She has more than 30 years’ experience in banking, including experience in retail banking, mortgage lending and internal audit.  She has over 20 years’ experience in bank compliance. 

Her educational background includes a Bachelor of Arts Degree in Accounting from the University of Colorado at Denver.

Meg Sczyrba, Risk Program Manager – Fair and Responsible Banking | U.S. Bank

Meg Sczyrba works for U.S. Bank as the Fair and Responsible Banking Risk Program Manager overseeing the program for the consumer lending groups. Meg has previously worked for Wells Fargo, Infosys, PayPal, WaMu, Union Bank of California, US Bank and as a compliance consultant. She is very involved in the industry and currently chairs the ABA Compliance School Board and the ABA Compliance Magazine Board. She is a former member of the CRCM Advisory Board and the Compliance Executive Committee. Meg has published several articles on topics ranging from Reg AA / UDAAP to Reg O (she is working on the rest of the alphabet but clearly has a bad case of vowel envy) and wrote the recurring Training Room column in the ABA Bank Compliance Magazine.  She is also a frequent speaker at industry compliance conferences and schools. Meg was honored as ABA’s 2011 Distinguished Service Award recipient. She graduated from the University of Missouri – Columbia with degrees in Psychology and Law.

Kara Tucker, JD, Enterprise Ethics Office | SunTrust Bank

Ms. Tucker brings over 8 years of cross-industry ethics and compliance experience to her current role as Ethics Manager at SunTrust Banks, Inc., managing enterprise strategy and governance for the Code of the Conduct, internal investigations, business practices, and internal event escalation. Ms. Tucker also serves as a Board member and faculty for the ABA Compliance Schools, frequently speaking in industry on risk assessment, compliance governance, UDAAP, complaint management, sales practices, and exam and issue management.

Maleka Ali, President | Arc-Serv, LLC

Maleka Ali, President, Arc-Serv, LLC, 35 years’ experience in financial industry including key positions in operations/ BSA/ risk/ product development along with creation of two new banks. Ms. Ali assisted in several mergers, acquisitions and system conversions. CAMS certified and part of inaugural class for Advanced CAMS-Audit certification demonstrating advanced skills in auditing. She also assisted over 750 institutions in model validations, risk assessment, exam remediation, training and how to effectively utilize automated monitoring systems.

Liz Slim, SVP & BSA Officer | Opus Bank

Elizabeth (“Liz”) Slim is the SVP and BSA Officer at Opus Bank, a $7.1 billion asset sized bank headquartered in Irvine, California with 56 offices located in California, Arizona, Washington and Oregon and responsible to manage and oversee the Bank’s BSA program.  Liz has over 35 years of banking experience specializing in areas of Compliance, Operations, Fraud, Security, Training and Risk Management.  Liz is the Founder and Co-Chair of the ACAMS Southern California Chapter and CAMS certified since 2004.

Leland Chan, SVP, General Counsel | California bankers Association

Since 2000, Leland Chan has been the general counsel for CBA, after serving for six years as associate counsel. In addition to advising the association on legal matters, he directs the litigation activities for the association, frequently acts as amicus curiae (“friend of the court”) in state and federal courts, and, in some cases, files suit on behalf of the industry. He is also responsible for regulatory matters affecting banking, frequently preparing comment letters on regulatory proposals, and analyzing new laws and regulations for CBA members.

Patricia Cantu, VP & Managing Senior Counsel | Bank of the West

Patricia Cantu has extensive experience in deposit products and bank operations.  She is the managing attorney of the Bank of the West’s Omaha, Nebraska legal department.  Ms. Cantu is a member of CBA’s Regulatory Compliance Committee and is a frequent speaker on deposit operations.  Her proudest professional accomplishments are the receipt of CBA’s 2006 Almon McCallum award and the 2011 Compliance Professional Award. Ms. Cantu received her B.A. degree from the University of New Mexico and her J.D. degree from Harvard Law School.

James Curtis, VP, Senior Counsel | Bank of the West

James Curtis advises clients on retail banking operations and contracts. His contributions to the California banking industry include speaking at the CBA’s Regulatory Compliance Conference and Bank Counsel Seminar numerous times, serving as a member of the Regulatory Compliance Committee, and twice serving as co-chair of the Regulatory Compliance Conference. Curtis received CBA’s in-house banking attorney of the year award in 2015, the Almon McCallum Award, and CBA’s Compliance Professional Award in 2006. Curtis is an adjunct professor at the USC Law School, where he teaches courses in banking law and contracts. He also teaches contracts for the UCLA extension paralegal training program. In 2012, he received UCLA’s Distinguished Instructor Award.

Andrea Mitchell, Partner | Buckley Sandler LLP

Andrea Mitchell, a Partner in the Washington, DC office of Buckley Sandler LLP, advises financial services clients on a wide range of administrative enforcement and regulatory compliance matters. She focuses her practice on fair and responsible financial services, including matters that involve disparate impact and disparate treatment, unfair, deceptive, or abusive acts and practices (UDAAP), and other unfair, predatory, or anti-discrimination issues.  She has been recognized by Chambers USA, Legal 500 and Best Lawyers in America for her financial services regulatory experience.

Ellen Murphy, VP, Principal Advisor, CRA Strategy | Bank of the West

In her role as Principal Advisor for CRA Strategy, Ellen Murphy oversees and implements strategic initiatives including establishing CRA targets, monitoring, and reporting on lending performance. Prior to joining the Bank, Ms. Murphy spent fourteen years at Wolters Kluwer as Senior Consultant and SME in CRA/HMDA. Ms. Murphy is a frequent presenter at the CRA & Fair Lending Colloquium and has been a featured speaker at the Chicagoland Compliance Association and the Utah Bankers Association.

Robert K. Olsen, Principal | Aldrich & Bonnefin, PLC

Bob Olsen is a principal of Aldrich & Bonnefin, PLC.  He associated with the firm in January 1996 and became a shareholder in 1999.  Mr. Olsen heads up the firm’s Consumer Practice Group, specializing in consumer financial regulatory compliance, financial privacy, mortgage lending, fair lending and other regulatory matters.  Mr. Olsen graduated from UCLA Law School in 1983, Order of the Coif.  His bachelor’s degree is from UC Irvine, Magna Cum Laude.  He is a member of the State Bar of California and the Consumer Financial Services Section of the American Bar Association.

Ted Terou Kitada, Senior Counsel | Wells Fargo Bank, N.A.

Ted Teruo Kitada is a senior company counsel in the law department of Wells Fargo Bank, National Association, providing advice and guidance on many payment matters, including primary payment systems (wire transfers, checks, ACH, and prepaid and debit cards); deposit services and products; bank operations; Check 21; image exchange arrangements; mobile banking; electronic banking; unclaimed property; and compliance with a variety of state and federal laws and regulations relating generally to bank deposits and operations.

Mr. Kitada received his B.A. from Stanford University (magna cum laude and Phi Beta Kappa), his J.D. from the University of California, School of Law, Berkeley, and a Masters in Regional Studies-East Asia from Harvard University.

Stephen Krebs, Vice President and Associate General Counsel | The Clearing House

Stephen Krebs is a Vice President and Associate General Counsel at The Clearing House. He provides legal support for The Clearing House’s ACH and check image exchange services, as well as its new Real-Time Payments System. He also represents The Clearing House’s member institutions in payments advocacy efforts through comment letters and meetings with regulators. He received his B.A. from the University of North Carolina at Chapel Hill, and his J.D. from George Washington University Law School.

James DeFrantz, CRCM, CAMS, J.D., Principal | Virtual Compliance Management

James DeFrantz, a consumer and real estate lending compliance specialist with more than 30 years’ experience. As a senior compliance examiner at the Federal Reserve Bank in SF, CA, as an analytical manager at the Office of Thrift Supervision and a commissioned national bank examiner at the Office of the Comptroller of the Currency, his exposures are broad. Mr. DeFrantz has a JD from the University of San Francisco and a BA from Dartmouth College.

Christine Reilly, Partner | Manatt, Phelps & Phillips, LLP

Christine M. Reilly defends companies in consumer class actions, including consumer protection, unfair competition, and false and deceptive advertising. She also represents clients facing investigations and proceedings initiated by federal, state and local regulatory agencies. The chair of Manatt’s Telephone Consumer Protection Act (TCPA) Compliance and Class Action Defense Group, Christine defends companies from claims brought under the TCPA. She also regularly counsels clients on compliance with various consumer laws.

Tatyana Wentler, Senior Attorney | Wolters Kluwer Financial Services

Tatyana Wentler is a senior attorney at Wolters Kluwer. She has more than twelve years of experience as an attorney in the financial services industry and consults on various aspects of federal and state regulatory compliance with focus on consumer lending. Her focus areas include compliance with Truth-in-Lending (Regulation Z) and the Military Lending Act requirements, as well as various developing areas of consumer credit regulation, such as small-dollar lending and credit features offered in connection with prepaid accounts. Ms. Wentler earned her Juris Doctor degree from the University of Minnesota Law School in Minneapolis, Minn., and is a Certified Regulatory Compliance Manager.

Lynn Marie Auzenne, Director – Digital Marketing Strategy | First Republic Bank

Lynn Marie oversees First Republic’s digital marketing strategy, capabilities and intelligence, including the corporate public site and email platforms.  Over her 25 years in financial services, Lynn Marie has held management positions at Wells Fargo and Charles Schwab, built a commercial mortgage brokerage, and led business transformation efforts for a variety of financial services entities. Her current focus is digital customer experience strategy, where she strives to develop seamless and intuitive experiences that elevate the brand and resonate with a diversity of audiences.

Lynn Marie has a BA in Biochemistry from UC Berkeley and an MBA from the Haas School of Business. She and her family reside in the San Francisco Bay Area.

Martin Orlick, Real Estate Attorney | Jeffer, Mangels, Butler and Mitchell, LLP

Martin H. Orlick is the Chairman of JMBM’s ADA Compliance and Defense Practice, and a transactional and trial partner in the Real Estate Department of Jeffer Mangels Butler & Mitchell’s San Francisco office.  He is a member of the American College of Real Estate Lawyers (ACREL). Marty has defended more than 500 ADA cases for banks, shopping center owners, retailers, hotel owners, restaurants, stadiums, and other commercial businesses.  Reach him at 415.984.9667 or MOrlick@jmbm.com.

Richard Horn, Founding Attorney | Richard Horn Legal PLLC

Richard Horn led the final TRID rule while a Senior Counsel & Special Advisor in the Consumer Financial Protection Bureau’s Office of Regulations. He also led the CFPB’s design and consumer testing of the TRID disclosures. Richard is one of the foremost experts on TRID and other consumer finance laws and regulations. Prior to joining the CFPB, Richard was a Senior Attorney at the Federal Deposit Insurance Corporation (FDIC) in the New York Regional Office.  He is currently in private practice at Richard Horn Legal, PLLC.  Richard advises depository and non-depository institutions, secondary market investors, due diligence firms, title insurance companies, and technology vendors on all federal and state consumer finance regulatory compliance matters, including RESPA section 8, Ability-to-Repay/Qualified Mortgage, Loan Originator Compensation, UDAAP, HMDA, fair lending, and TRID. He also conducts staff training on TRID and other laws.

Cyndi Carmichael, CRCM, CAMS, VP, Assistant Risk Manager | Bank of the Sierra

Cyndi is the Risk Manager for Bank of the Sierra, a $2 billion bank and leads a 15 person team to support all areas of regulatory Risk within the bank. Cyndi has been in banking for over 35 years in various positions including teller, branch manager, internal auditor, BSA Officer and CRA Officer. Cyndi is a Certified Regulatory Compliance Manager and Certified Anti-Money Laundering Specialist.

Pam Purdue, EVP and Chief Regulatory Officer | Continuity Control

Pam is the Chief Regulatory Officer and is Executive Vice President over Regulatory Operations at Continuity, a CMS and RegTech solutions provider. Pam’s team produces the quarterly “RegAdvisor Briefings” series and publishes the Banking Compliance IndexTM. Over a 25-year career, Pam’s experience includes time spent as a banker, regulator and technologist. This background gives Pam a unique lens through which to view regulatory challenges. A sought-after speaker, Pam’s dynamic style and timely insights bring compliance solutions into clear focus.

Session Descriptions

Stress-Proof Your Brain

We are not just affected mentally and emotionally by stress – it radically alters the chemistry and physical structures of our brains. Stress diminishes our cognitive function while increasing negative emotional states. It makes portions of the brain relating to fear, anxiety and aggression larger and more active. It also kills cells in the brain related to decision-making, focus, attention, memory, learning, and our ability to accomplish goals. We literally lose our minds when we’re stressed and it keeps us from performing well at our jobs and at home.

Stress-Proof Your Brain will help you understand what happens to your brain and cognitive function during and after stress. This comprehension will help you hone in on how it’s affecting your performance, both professionally as well as personally. More importantly, you will learn how to counteract the negative effects as well as boost your brainpower and positive mood states. You will be able to stay focused, make strategic decisions, have sound judgment and not be a victim of anxiety in the face of stress. In the process, you will also improve your energy, fitness, sleep and resiliency.

  Jenny Evans
  PowerHouse Performance 

The U.S. and California Economic Outlook

Dr. Anderson will discuss the current national and state economies, and present an overview of 2017.

  Dr. Scott Anderson
  Chief Economist, Executive Vice President
  Bank of the West

California Legislative Update

This session will review key state actions from the 2017 legislative session and discuss in depth the rules and regulations that will most impact your financial institution.

  Kevin Gould
  SVP, Director of Government Relations
  California Bankers Association

Regulator Panel

Exam hot buttons with the OCC, FDIC, FED and DBO: An informative discussion with a moderator and panelists from the OCC, FDIC, FED and DBO that will include an overview of banking conditions in California along with emerging examination concerns.


  André Smiley
  Community Banking Risk Management – Regulatory Programs Team
  Wells Fargo Bank, NA

Basic Deposits A-Z

This course provides a general introduction (or refresher) to the regulations and legal/compliance issues affecting deposit products and bank operations. Regulations to be covered include D, E, CC, DD, and P. The legal/compliance issues related to consumer and business deposits include forms of account ownership, account opening CIP & documentation, overdrafts, account fraud, powers of attorney, legal process, death of customer, and more. This workshop is divided into two-parts with a break in-between.

  Diane Wemple Baxa
  Senior Vice President and Senior Counsel
  City National Bank

  Paul Sakae Shimotake
  Senior Counsel
  Wells Fargo Bank, N.A.

Basic Lending Compliance

ECOA? HMDA? FCRA? RESPA? TILA? If you are new to lending compliance, you are likely being overwhelmed with what seems to be an endless list of acronyms (OMG!). This two-part session will spell out and, better yet, explain what these acronyms require stage-by-stage through the lending process. This session will also be a refreshing review for experienced compliance professionals. Loaded with exercises (and fun), this will be an overview no one will want to miss!

  Phyllis Scipi
  Chief Compliance Officer
  Mechanics Bank

  Stephanie Shea
  Aldrich & Bonnefin, PLC

Fintech 101

The panel will provide an update on the rapidly developing fintech industry. What is it? How is it regulated? Friend or foe? And why you should care about fintech.

  Deborah Thoren-Peden
  Pillsbury Winthrop Shaw Pittman LLP

Implementing the New Regulation C (HMDA) for 2018

So how’s your implementation of “New” Regulation C going?  Will you be ready to collect all that wonderful new data beginning January 1, 2018? This session will address the current state of affairs regarding Regulation C less than three months before the implementation date, including the much-anticipated “clarifications” the CFPB is planning to issue to provide additional guidance on a multitude of issues. The CFPB plans to clarify areas such as collecting GMI, how to treat loans to home builders and other types of temporary financing, and what data should be reported if a lender issues a revised Loan Estimate or corrected Closing Disclosure, and the issues associated with reporting information regarding automated underwriting systems.

  Janet Bonnefin
  Aldrich & Bonnefin, PLC

  Carolyn Fulton, CRCM
  VP, Credit Compliance Officer
  Exchange Bank

Risk Assessments: Your Risk Management Compass

A well drafted risk assessment enables financial institutions to better identify their significant risks and acts as a compass to guide in the proper deployment of resources. Risk assessments are also a key review item examiners use in their planning and scoping process. This session provides an overview of the primary components that form an effective risk assessment, details alternative methods for compiling risk assessments, and provides practical tips for developing or enhancing risk assessments at your institution. The techniques and best practices highlighted in this session can be useful tools for both compliance and BSA risk assessments.

  Steven Arnold
  EVP, General Counsel & Chief Risk Officer
  Pacific Premier Bank

  Jill Richards
  Chief Compliance Officer
  Charles Schwab Bank

UDAAP Compliance

Sales Practices is the extreme sport of UDAAP compliance.  Every financial entity engages in some version of sales practices, rendering this issue far-reaching by its very nature. Among the prevailing root causes of this risky issue are long-standing compensation and sales goals used to incent employees. As compliance officers, we must bungee into the danger zone to confront this significant inherent risk.  We’ll cover some parachutes you’ll want to establish to prevent unfair, deceptive and abusive behavior that will help you glide into lowering your bank’s residual risk.

  Meg Sczyrba
  Risk Program Manager – Fair and Responsible Banking
  U.S. Bank

  Kara Tucker, JD
  Enterprise Ethics Office
  SunTrust Bank

BSA/AML Culture of Compliance

Compliance Officers, what is keeping you up at night? BSA shortcomings have triggered many civil and criminal enforcement actions recently.  Compliance deadline for the new Customer Due Diligence regulation is May 2018. Many think they are ready, but we will discuss some intricate details you should include in your program. What about Marijuana businesses and other higher risk businesses? How do we stay in compliance and still be profitable? FinCEN stresses how a culture of compliance may strengthen and improve organizational compliance with BSA/AML obligations. We will discuss best practices for successfully coping with the new compliance environment.

  Maleka Ali
  Arc-Serv, LLC

  Liz Slim
  SVP and BSA Officer
  Opus Bank

California Law and Litigation Update

This session will provide in-depth look at the new bills and cases in California that a bank compliance professional needs to know about.

  Leland Chan
  SVP, General Counsel
  California Bankers Association

  Kevin Gould
  SVP, Director of State Government Relations
  California Bankers Association

Operations Potpourri

The panel will provide an update to important issues that impact banking operations. Among the updates will be a discussion of recent regulatory updates (e.g., Reg CC), fiduciary issues, recent court decisions, deposit account control agreements, and death of a customer matters.

  Patricia Cantu
  VP & Managing Senior Counsel
  Bank of the West

  James Curtis
  VP, Senior Counsel
  Bank of the West

When Should You Start Planning for Your Next CRA and Fair Lending Exam? How About Now!

Please join two long-time CRA and fair lending industry experts as they provide insights, experiences and advice about CRA and Fair Lending exam planning. Topics covered include exam prep, exam management, industry trends and new current areas of supervisory and enforcement focus. The session will be interactive as the speakers will answer your questions and ask the audience to share their own insights and Ah-Has!

  Andrea Mitchell
  Buckley Sandler LLP

  Joy Hoffman
  SVP & Community Reinvestment Act Officer
  Bank of the West

New Mortgage Servicing Rules (Mostly for the Small Servicer)

Because the current TILA and RESPA mortgage servicing requirements were not challenging enough, the CFPB issued a final rule broadening (and arguably complicating) many of them. The bulk of the new rules become effective on April 19, 2018. This presentation will focus on the duties that apply to “small servicers,” those who service 5,000 or fewer mortgages for which they are either the original creditor or the assignee.  We will also discuss the due diligence obligations when servicing is outsourced to a third party.

  Robert K. Olsen
  Aldrich & Bonnefin, PLC

“Back to the Future” Emerging Payment Systems

The panel will explore emerging payment systems and options including the Real-Time Payment system under development by The Clearing House’s member banks. The session will cover legal and regulatory issues raised by real-time and other faster payment capabilities, such as the application of existing laws and regulations, evolving regulatory expectations, and outstanding policy issues that will need to be resolved.  

  Ted Terou Kitada
  Senior Counsel
  Wells Fargo Bank, N.A.

  Stephen Krebs
  Vice President and Associate General Counsel
  The Clearing House

Flood Insurance Regulations – Keeping Up with the Rising Tide

Over the past several years, the contours of the flood insurance rules have experienced significant changes. Both the Biggert Waters Act and the Homeowners Flood Insurance Affordability Act (“HFIAA”) have introduced long sought changes to the way flood insurance will be administered. With change, there are many questions. We will cover three of the most recent changes to flood insurance regulations.

  • Detached Structure Exemptions coverage
  • Rules for establishing escrow for flood insurance
  • Forced placed insurance clarity is achieved

Our review of the recent changes will bring flood rules all together!

  James DeFrantz
  Virtual Compliance Management

Telephones, Texts and the TCPA: What You Should Know Before You Call

This session will provide an overview of the Telephone Consumer Protection Act and discuss common pitfalls, the latest developments and trends in TCPA litigation, the D.C. Circuit appeal, and potential changes to the TCPA under a newly constituted Federal Communications Commission. It will also provide practical tips on how to comply with the TCPA and minimize risk to your company. With statutory damages of $500 minimum per call or text and settlements in the millions, you do not want to miss this session. You are encouraged to attend if your company makes outbound telephone calls/texts or hires vendors to make such calls on its behalf.

  Christine Reilly
  Manatt, Phelps & Phillips, LLP

The Military Lending Act Amendments: A Year in Review

The Department of Defense (DoD) amendments to the Military Lending Act (MLA) regulation became effective for most types of consumer credit on October 3, 2016. The amended requirements are set to take effect for credit card accounts in October of 2017 (absent an additional one-year extension at the option of the DoD). Meanwhile, pending legislation would once again amend the Military Lending Act. Congress now aims to clarify the scope of the MLA coverage; provide additional cost-of-credit disclosures to covered borrowers; and better inform the active duty service members and their families of available consumer credit and financial counseling options. This session will include an overview of the requirements that apply to credit extensions covered by the MLA; highlight the ongoing industry concerns with the Military Lending Act compliance; focus on specific challenges that face the issuers of credit card accounts; and outline the proposed MLA amendment that aims to further broaden the already complex requirements of this developing law.

  Tatyana Wentler
  Senior Attorney
  Wolters Kluwer Financial Services

ADA Website Compliance – A Strategic Imperative

Almost 1 in 5 consumers depend on web accessibility capabilities and litigation has exploded as courts rule on the application of the WCAG 2.0 (Web Compliance and Accessibility Guidelines). Done properly, a strong accessibility program will serve as a proactive defense against litigation and tap into a marketplace of digitally-savvy, connected consumer advocates for your brand. This session will address the case for accessibility and explore recent court rulings addressing website access.  Experts will provide best practices to help your bank comply and practical steps to avoid becoming a target under the ADA. 

  Lynn Marie Auzzenne
  Director – Digital Marketing Strategy
  First Republic Bank

TRID: From the Man Who Wrote the Rule

Richard Horn, currently in private practice in his own law office, was Senior Counsel and Special Advisor at the Consumer Financial Protection Bureau (CFPB) at the time the TILA-RESPA Integrated Disclosures (TRID) rule was formulated. He led the creation of the TRID rule and the design and consumer testing of the TRID disclosures. During this session, we will interview Richard to learn first-hand how TRID came into being, how it has affected the mortgage industry since implementation, and what issues and challenges surrounding TRID are still of concern two years later. Since Richard “wrote the rule” for TRID, he can provide expert advice on the many questions that have arisen since the rule was implemented and offer specific guidance on how to best manage our way through the challenges.

  Richard Horn
  Founding Attorney
  Richard Horn Legal PLLC


  Janet Bonnefin
  Aldrich & Bonnefin, PLC

  Carolyn Fulton, CRCM
  VP, Credit Compliance Officer
  Exchange Bank

Commercial Lending Compliance: The Old, the New and the Unknown

Commercial lending functions inside financial institutions are dealing with a slew of economic and regulatory uncertainty. How can today’s compliance officer get and keep control of it all?  The definition of “compliance” has expanded beyond the traditional arenas like flood insurance and spousal signatures, and now encompasses a wide range of risk management and oversight functions. Add to this new consumer compliance rating criteria, and compliance officers are in for an exciting ride in the year ahead. In this session, we’ll cover: 

  • Which regulations affecting commercial lending have changed since last year’s session?
  • Tips on preparing for rules (such as the new HMDA rules) that take effect in 2018?
  • How are conditions and the climate in Washington, DC helping or hurting commercial lending compliance efforts?
  • How will (or should) the new consumer compliance rating system affect commercial lending areas?
  • What are the proposed rules that will or could affect commercial loan compliance?
  • What is the Unified CMS Model framework, and how can it help your institution quickly adapt to rule changes?

We will also share real-life examples of how competition is shaping the lending landscape, and how the most effective organizations tailor their compliance management programs to respond to ever-increasing compliance demands. 

  Cyndi Carmichael, CRCM, CAMS
  VP, Assistant Risk Manager
  Bank of the Sierra

  Pam Purdue
  EVP and Chief Regulatory Officer
  Continuity Control

Who Should Attend

  • Auditors
  • BSA officers
  • Compliance officers
  • Operations officers
  • Risk/Fraud officers
  • Regulators
  • Counsel


Paradise Point Resort & Spa
1404 Vacation Road
San Diego, CA 92109
Phone: (858) 581-5900

Hotel accommodations can be made by calling the Paradise Point reservations department at (858) 274-4630. The CBA rate is $199, single or double occupancy, plus taxes and fees. In addition to the room rate there will be a discounted daily Passport to Paradise fee of $16 (normally $32 per room, per night). This includes: High speed wireless and hard-wired Internet access in guest rooms, domestic phone calls in guest rooms, unlimited access to Fitness Center, Basketball, Tennis, Ping Pong, Croquet, Horseshoes, and Bocce Ball.

Rooms are limited, please make your reservations by Friday, September 1, 2017. If the CBA room block reaches capacity before this date, the hotel may accept reservations on a space-available basis at the prevailing rates.

Overnight Parking is discounted to $19 per car, per night. (Normally $38 per car, per night)

Paradise Point Resort & Spa Video

CE Credit

Certified Regulatory Compliance Manager (CRCM)
The conference sessions will be submitted to the ICB for CE credit review.

For the Certified Regulatory Compliance Manager designation, only members certified by the ICB are required to report ICB credits. For more information, click here.

The Association of Certified Anti-Money Laundering Specialist (ACAMS)
The conference sessions will be submitted to the Association of Certified Anti-Money Laundering Specialists (ACAMS) for CE credit review. For more information on CAMS credits, click here.

Minimum Continuing Legal Education (MCLE)
This conference sessions will be submitted to the State Bar of California for Minimum Continuing Legal Education (MCLE) credit.


Early Bird Registration through September 1, 2017

CBA Member Bank $845
Spouse $495

Regular Registration

CBA Member Bank (after September 1, 2017) $1,045
Non-Member Bank $1,495
CBA Affiliate Member $1,245
Spouse $495

If you have any registration questions, please contact:
Colette Warner
Administrative Coordinator
(916) 438-4418

Cancellation Policy

Substitutions are allowed, at no additional cost. Written notice is required for all substitutions/cancellations. The full registration fee will be refunded if written notice is received by September 5, 2017, and 50 percent if by September 19, 2017. No refunds will be provided after September 19, 2017. Registrations made on or after September 19, 2017 are not subject to refund.

    General Information

    BSA/AML Workshop
    Your registration fee covers the cost to attend the BSA/AML Workshop on October 3 from 9:30 a.m. until 4:30 p.m. The BSA/AML Workshop will be held at the same hotel and running at the same time during the two workshops Part 1 & 2  that are being offered here at this conference. If you so choose, you can either attend one of the two workshops at the Regulatory Compliance Conference or attend the BSA/AML Workshop instead.

    If you would like to only attend the BSA/AML Workshop only, we have a different pricing option available to you for your convenience.

    Regulatory Compliance Conference Workshops
    We will be holding two different workshops that will be offered simultaneously on Tuesday, October 3. The two workshops will focus on Basic Deposits and Basic Lending.  

    Compliance Professional of the Year Award
    The Regulatory Compliance Committee will announce the recipient of the 2017 Compliance Professional Award. This award recognizes dedication to excellence, leadership and advancement of the compliance profession and service to the banking industry.

    Dress Code and Weather
    The attire for the duration of the conference is business casual. Temperatures in the San Diego area range from the low-70°F during the day, to low-60°F in the evening.

    Evening Events
    Please join us for several opportunities to relax, enjoy good food and network with your colleagues in the industry. Our evening events include receptions on Tuesday, Wednesday and Thursday. Exhibitor prize drawings will be held Thursday evening.

    Spouse Attendees
    Registration for spouse attendees includes all meal functions and social activities. Spouses are welcome to enjoy the many amenities of the resort.

    Special Dietary and Physical Requirements
    If you have any special dietary or physical requirements, please notify CBA in advance, if possible. Onsite, please stop by the CBA registration desk and we will do our best to accommodate your requests.

    Topics Covered

    Tentative topics to be covered and subject to change*

    • ADA Website Compliance
    • Alternative Payment Systems
    • Bank Operations Update
    • Basic Deposit (Workshop)
    • Basic Lending (Workshop)
    • BSA/AML
    • California Legislation and Litigation Update
    • Compliance “Blind Spots” in Commercial Lending
    • Compliance Risk Assessments
    • CRA/Fair Lending
    • Fintech 
    • Flood Insurance Regulations
    • HMDA
    • Telephones, Texts and the TCPA: What You Should Know Before You Call
    • Military Lending Act Amendments
    • New Mortgage Service Rules & Collections
    • TRID
    • UDAAP 

    Sponsors & Exhibitors

    The Marketplace Information Brochure, which details available sponsor and exhibitor opportunities is coming soon. For more information, please contact Rosemary Mignano at (916) 438-4435. 

    CBA offers a wide selection of opportunities designed to match your exposure needs and budget.

    A few reasons your organization should sponsor and/or exhibit:

    • Maximize your company’s brand awareness and increase your market position
    • Gain direct access to CBA member banks and institutions in an exclusive environment
    • Raise your profile above your competitors
    • Learn about the issues confronting today’s financial service leaders and gain valuable insight into potential solutions
    • Shape or reinforce a positive perception of your company with California’s bank executives
    • Support the California Bankers Association, the largest non-profit banking organization serving the California financial services industry