33rd National Risk Management Training Conference May 5 - 9, 2019 ORLANDO ,

www.thefirma.org Current & Recent Sponsors ACA Compliance Group Groom Law Group RIC Argent Fiduciary Consulting Informa Investment Solutions The Revzon Consulting Group Services Infovisa, Inc. Spardata/Unique Asset Partners Broadridge Innovest TEAM Risk Management Davis Kinard & Co., PC ITM/TwentyFirst Strategies Deloitte & Touche LLP Nth Degree Financial Thomson Reuters EisnerAmper, LLP Solutions, LLC Trusts & Estates Ernst & Young PDS Companies Trust Imaging Systems, Inc. Federated Investors PricewaterhouseCoopers, LLP Trust Management Network Fiduciary Education Center, LLC Protiviti Wolters Kluwer GlobeTax Services, Inc. Proxytrust Partner Organizations American Bankers Association (ABA) Association of Certified Fraud Examiners (ACFE) Association of Certified Anti-Money Laundering Specialist (ACAMS) Campbell University/ Trust Education Foundation, Inc. Cannon Financial Institute, Inc. Global Association of Risk Professionals (GARP) Securities Industry & Financial Market Association - Internal Auditors Society (SIFMA/IAS) Organizations Represented at the 2018 National Conference

Alerus City National Bank Indiana Dept of Financial Institutions Sageworth Trust Company Amarillo National Bank Commerce Bank Integrity Trust Company Sandy Spring Bank American National Bank & Trust Community Trust Bank Integrity Wealth Management Securian Trust Company Ameriprise Financial Compliance Services Group, LLC INTRUST Bank Sheshunoff Consulting + Solutions AmeriServ Trust & Financial Services Comptroller of the Currency Iowa Division of Banking State of Colorado, Division of Banking Company Constellation Trust Company Jefferson Bank Synovus Trust Company ANB Bank COUNTRY Financial Johnson Bank TCV Trust & Wealth Management Arkansas State Bank Department Deloitte & Touche, LLP JPMorgan Chase & Co Texas Bank & Trust Co. Baker Tilly Virchow Krause, LLP Deseret Trust Company JRMB II Texas Department of Banking BancorpSouth Edward Jones Kentucky Farmers Bank The Bank of Missouri Bank of America/Merrill Lynch Emprise Financial Corporation Key Bank The Bank of Nova Scotia Trust Bank of Hawaii Extraco Banks Kropschot Consulting Partners Company Bahamas Ltd Bank of Stockton FDIC M&T Bank / Wilmington Trust The First National Bank of Sioux Falls Bank of the West Federal Reserve Bank of Atlanta MB Financial Bank The Glenmede Trust Company Bankers Trust Company Federal Reserve Bank of Chicago MEMBERS Trust Company The Private Trust Company, NA BankVision, Inc. Federal Reserve Bank of Cleveland MutualBank Thrivent Financial BB&T Federal Reserve Bank of Kansas City National Advisors Trust Company TMI Trust Company BBVA Compass Federal Reserve Bank of San Francisco NBT Bank Tolleson Private Bank BKD, LLP Newport Trust Company Trust Company of the South BMO Harris Financial Outsourcing Solutions, LLC North Carolina State Employees’ Trust Company of Virginia BNC National Bank First Bankers Trust Services Credit Union Trustmark National Bank BNY Mellon First Foundation Bank OG Trust Services U.S. Bancorp CA Dept of Business Oversight Ohio Division of Financial Institutions Unified Trust Company, NA Cadence Bank, NA First Interstate BancSystem, Inc. Old National Wealth Management Union Bank & Trust Capital Bank and Trust Company First National Bank of Fort Smith Old Point National Bank US Bank Capital Group Companies First National Bank of Omaha Old Point Trust USAA FSB Capital One First Republic Bank PAi Trust Company Virginia Bureau of Financial Institutions Centennial Bank FIS Peak Trust Company Washington Trust Bank Central Bancompany Frost Bank PNC Wells Fargo Central National Bank Fulton Financial Advisors Rabobank Whittier Trust Company Century Bank Godfrey & Kahn, S.C. Raymond James Zions Bancorp Charles Schwab Greenleaf Trust Regions Bank CIBC Bank USA Huntington National Bank Renasant Bank Citizens Business Bank IBERIABANK Rockland Trust Co. CONFERENCE SCHEDULE To Our Fiduciary Colleagues – Our unique SUNDAY, MAY 5 opportunity... Workshop Check-in 11:30 am - 1:00 pm Our fiduciary and investment risk industry Pre-Conference Workshops 1:00 - 4:00 pm continues to face unprecedented responsibility Conference Check-in 4:30 - 6:00 pm to focus upon risk management as a cohesive New Attendee/New Member Social 6:30 - 7:30 pm team and to reshape fiduciary mandates across all products and services. FIRMA’s 2019 outstanding group of Conference MONDAY, MAY 6 sessions and speakers, displayed in this brochure, Late Conference Check-in 7:30 - 8:00 am has been selected specifically by your peers as not- General Sessions 8:00 - 11:45 am to-miss topics. Luncheon 11:45 am - 1:00 pm To the Business Line / First Line of Defense– Breakout Sessions 1:00 - 4:30 pm FIRMA invites you to join us for state-of-the- Roundtable Sessions 4:45 - 5:45 pm industry business topics, including two special Welcome Reception 6:30 - 8:30 pm Trust Executive Focus Sessions. Emphatically, FIRMA is the premier industry source for vital sharing of fiduciary risk management topics TUESDAY, MAY 7 with audit, risk/compliance, and regulatory General Sessions 8:00 am - 12:45 pm professionals. Never before has strategic cross- Focus Sessions 2:30 - 4:30 pm functional risk management been so intensely (Lunch on your own) required and regulated. To our valued fiduciary audit, compliance, and risk professionals - FIRMA proudly and steadfastly WEDNESDAY, MAY 8 recognizes our pledge to bring to you the most General Session 8:00 - 9:00 am current and in-depth industry issues that define, Breakout Sessions 9:15 - 11:30 am strengthen through understanding, and distinguish Luncheon and FIRMA your critical roles. Annual Membership Meeting 11:45 am - 1:15 pm We believe our 2019 Agenda is unequaled in Breakout Sessions 1:15 - 4:45 pm value over a five-day period. Come engage with us and our expert speakers – learn, confirm, surpass, and network. Gain a distinct advantage within the THURSDAY, MAY 9 fiduciary industry. General Sessions 8:00 - 10:15 am I urge you to peer into this Brochure’s window. Roundtable Sessions 10:30 - 11:30 am Turn these pages, invest in your expertise, and join Adjourn 11:30 am us in Orlando. See you there!

Hale Mast, CTA FIRMA Executive Director

The Fiduciary and Investment Risk Management Association, Inc. ™ (FIRMA) is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be submitted to the National Registry of National Association of State Boards of Accountancy CPE Sponsors through its website: www.nasbaregistry.org.

1 – 33rd ANNUAL NATIONAL RISK MANAGEMENT TRAINING CONFERENCE 33rd National Risk Management Training Conference FIRMA™ is proud to sponsor its thirty-third Annual National Risk Cancellation Refund Policy Management Training Conference and we are pleased to bring out- Cancellations received prior to April 12, 2019, will be re- standing topics and speakers to beautiful Orlando/Disney. Our de- funded in full, less a $75 service charge. Cancellations re- manding and challenging responsibilities for fiduciary risk continue ceived April 12th through April 19th will be refunded subject to and FIRMA stands strong in our belief that there is no more vital time a $250 service charge. Cancellations made after April 19, 2019, are than now for training, sharing, and networking. In recognition of this, non-refundable. No refunds will be processed unless the cancella- FIRMA is proud to provide training resources to risk management pro- tion is made in writing. Note: You may transfer your registration fessionals who are responsible for asset/wealth management, broker/ to another person at any time. dealer/advisor activities, and insurance products. FIRMA reserves the right to change speakers or reschedule or can- Our national speakers will discuss the current trends in the indus- cel sessions when necessary. FIRMA is not responsible for any penal- try, new products and specialized lines of business, and will provide in- ties (e.g. airfare, hotels, etc.) that may be incurred should this program sights to the management and control of associated risks. Our program be canceled. For more information regarding seminar administrative is designed to provide valuable benefits to: policies such as complaint or refund, please contact our offices at 770- • Fiduciary Auditors and Compliance Officers 790-8355. • Business Line Asset and Investment Management Continuing Education Professionals The 2019 Training Conference provides 20 Group-Live contin- • Fiduciary Executives uing education hours. The Pre-Conference Workshops each provide • Fiduciary Risk Management Professionals 3 Group-Live continuing education hours; the Complimentary Focus • State and National Regulators Sessions will each provide 2 Group-Live continuing education hours. • Legal Counsel For certified FIRMA members, all of these hours will be recognized as • Certified Public Accountants FIRMA-specific.

Our program will offer a unique combination of general sessions and Conference Education Prerequisites individualized breakout sessions. Our general sessions will primarily There are no advance preparation requirements to be read or com- address issues of significant importance to the risk and investment pleted prior to attending this program. The program skill level for this management industry. This year, we are pleased to continue our of- Conference is rated “Intermediate.” This program is rated Interme- ferings of expanded breakout sessions, held on Monday, Wednesday, diate because of the educational and/or experience recommendations and Thursday with a total of 32 breakout sessions. These sessions fo- as follows: cus on more specialized products and services from which attendees - Attendee should be a Certified professional;or can choose the topics of most importance to their institutions. We are - Attendees should have at least one year of general trust or fiduciary also pleased to offer two valuable Pre-Conference Workshops on Sun- work experience in the fields of personal trust, employee benefit trust, day prior to the start of the formal conference, as well as two 2-hour audit, compliance, or risk management; or Complimentary Focus Sessions on Tuesday afternoon. - Attendees should have passed a one-week trust school course offered by the ABA, Cannon Financial Institute, Campbell University, Workshop Fees or an equivalent industry program; or Pre-Conference Workshops are $315 for FIRMA members and $415 - Attendee should have attended a previous FIRMA education pro- for non-members. gram. Tax Deductibility Conference Fees The cost of continuing education (when taken to maintain or en- Conference fees are $1,850 for FIRMA members and $2,095 for hance professional development) may be tax deductible. Please consult non-members. This fee includes all conference materials, daily con- with your tax accountant for more information. tinental breakfasts, morning and afternoon refreshment breaks, two luncheons and a Monday evening welcome reception. Special Hotel Incentives from FIRMA and our Host Hotel – the Wyndham Grand Orlando Group Discounts Group discounts to the above prices are available as follows. Group Bonnet Creek registrations must be received together, at the same time, and paid FIRMA feels it is important for our Conference Attendees to know through a single invoice. that FIRMA has significant contractual risk if our Attendees do not • 5% off the above fees for 5 registrations stay at our host hotel. For 2019, FIRMA is pleased to offer to our • 10% off the above fees for 10 registrations government Attendees up to 45 government-rate rooms. In addition, for all FIRMA Conference Attendees staying at the Wyndham Grand Orlando Bonnet Creek hotel, each individual is eligible for one of three Special Fee Offer (Conference fee only) (3) special raffle prizes as an incentive: for Attendees from National and - One (1) free registration certificate to the FIRMA 2020 Confer- State Regulatory Agencies ence - One (1) night hotel rooming fee rebated to Attendee’s room bill $1,650 for Regulator FIRMA Members - One (1) gift voucher for a complimentary 2-night stay in a Wynd- $1,795 for Regulator FIRMA Non-Members ham hotel FOR ALL 2019 CONFERENCE PAYMENTS: please FIRMA always hopes our Attendees will choose to enjoy the conve- take $100 off your registration fee if paying prior to nience of our host hotel and, for 2019, especially the grand amenities March 23, 2019. offered at the Wyndham Grand Orlando Bonnet Creek. 2 – 33rd ANNUAL NATIONAL RISK MANAGEMENT TRAINING CONFERENCE SUNDAY, MAY 5, 2019 Pre-Conference Workshop I Pre-Conference Workshop I I 1:00 - 4:00 pm 1:00 - 4:00 pm

Administering Trusts and Developing First vs. Second Line of Defense Fiduciary Solutions in the Modern Age: Diana Vasquez Are We Creeping Out of the Cave? Head of Governance and Controls Daniel E. Ramer CIBC PRIVATE WEALTH MANAGEMENT Chicago, Illinois Regional Fiduciary Executive FIFTH THIRD BANK Piqua, Ohio

Deborah Austin Director David Sawyer Fiduciary Compliance Director Wealth Markets Global Trust Compliance Senior Managing Director – Personal Trust, Estates MUFG UNION BANK, N.A. and Guardianship Services San Diego, California MB FINANCIAL BANK, N.A. Rosemont, Illinois In this workshop, Participants will: • Learn how other shops have structured their 1st and 2nd This workshop will address some of the crucial fiduciary de- lines of defense. cision points encountered by, and prospective solutions available • Which line “tests,” which line performs “monitoring,” and to, trustees today. The widespread adoption of key provisions of what about “controls testing?” the Uniform Trust Code has resulted in an increased need for • How does the first line identify and assess the risk? trustees’ awareness of a myriad of nuanced issues associated with • How does the second line test, monitor and provide trust administration. Simultaneously, state statutory schemes advice without blurring responsibilities? have evolved to provide solutions to many fiduciary challenges, • Learn how these two functions operate and report to removing longstanding obstacles for both trustees and beneficia- senior/executive management. ries. When understood and properly applied, these developments • Learn how open issues are tracked, monitored and closed. can assist the trustee in not only administering the trust, but • What are the expectations of the regulators? also in managing appurtenant risk and developing solutions that alleviate recurring problems. During this session, we will work through the nuts and bolts of trust administration and then dis- cuss and analyze some of the options now available for address- ing problems that we, our co-trustees and our beneficiaries face.

New Attendee / New Member Social 6:30 - 7:30 pm Hosted by FIRMA

FIRMA is delighted to host a special social hour for our first-time Conference attendees and new FIRMA members. Our guests will learn about the events planned for the Conference week, will receive tips for navigating through the many sessions – both general and breakout, and they will learn about FIRMA’s mission and the benefits of FIRMA membership. Guests are also encouraged to share questions with the FIRMA ambassadors. This informal reception provides an easy Conference introduction for our new attendees and members.

3 – 33rd ANNUAL NATIONAL RISK MANAGEMENT TRAINING CONFERENCE MONDAY, MAY 6, 2019 Welcoming Remarks General Session 8:00 - 8:15 am 10:45 - 11:45 am

FIRMA President David B. Jonke, CTA, CPA I’ll Make You an Offer You Can’t Refuse: Insights from a Former Mob Boss on Ethics and Morals Opening Keynote Address Michael Franzese 8:15 - 9:15 am Author and Speaker MICHAEL FRANZESE MINISTRIES Secure Cyber Life: The Government Corona del Mar, California is Not Coming to Save You Michael A. Echols Michael Franzese provides an insightful look at his entry into CEO MAX CYBERSECURITY, LLC the “life” in La Cosa Nostra. From the intrigue and mystique of Washington, D.C. the initiation ceremony, to his success making more money for the mob than anyone since Al Capone – and being the youngest on Fortune’s “50 Most Wealthy and Powerful Mob Bosses” list, at #18 (just five behind John Gotti). This presentation by Mike Echols, a former Cybersecurity Di- Michael addresses many aspects of business and how he was rector at the Department of Homeland Security, is a wake-up able to transfer the knowledge and success he had in the busi- call to the private sector. His talk describes the national cyber ness of organized crime to the legitimate business he engages in threat environment, the Government’s approach, and the gaps today. He provides many insider tips regarding ethics and morals that make personal security paramount. Mr. Echols explains to give the business person a path to success in the business that cybersecurity is risk management, and that organizations world. are best served to create a “culture of cybersecurity.” This is sup- He also addresses how organized crime became involved with ported by insights on the changes in the hacking culture. Mr. businesses and discusses issues that make businesses vulnerable Echols delivers statistics that clearly show how the workforce to criminal activity. is critical to developing true resilience. The presentation con- cludes with strategies for creating a culture of cybersecurity and assuring unsecure IT does not become the determent for the Luncheon future success of the business or entity. 11:45 am - 1:00 pm General Session 9:30 - 10:30 am

The U.S. & Global Economy: Cycle Challenges and Opportunities

Ellen Zentner Managing Director MORGAN STANLEY New York, New York

The year 2019 has rung-in the longest business expansion on record. How much longer could it last, and what could end it? Business expansions don’t die of old age, they die of overheating. Follow the leverage. While America’s households deleveraged af- ter the financial crisis and have done well to maintain prudent debt management, America’s corporate sector is another story.

4 – 33rd ANNUAL NATIONAL RISK MANAGEMENT TRAINING CONFERENCE MONDAY, MAY 6, 2019 Breakout Sessions – 1:00 - 2:00 pm Regulatory Panel Sales Practices and Bad Behavior

Nanna Goodfellow – Moderator Elia Alonso National Bank Examiner – Large Bank Group Principal OFFICE OF THE COMPTROLLER OF THE CURRENCY Risk and Financial Advisory San Francisco, California DELOITTE & TOUCHE, LLP New York, New York Tish Dalton Technical Expert Please join Elia for an engaging discussion of today’s sales cul- Asset Management Policy ture within banking and wealth management. Attendees will OFFICE OF THE COMPTROLLER OF THE CURRENCY learn about the practices, strategies, and goal-setting orientation Washington, D.C. that confront a sales enterprise and culture. In addition, attend- ees will learn the direct risks and impact issues of rogue sales Michael W. Orange, CFIRS teams and tell-tale key risk indicators. Elia will lead the audi- Senior Examination Specialist – Trust Policy and Program Development Section ence on a fascinating analysis of sales risk exposure. FDIC Washington, D.C. Assessing Fiduciary Complaints

Marilyn Smith Ronald L. Wert Compliance Risk Management Consultant Manager of Examinations, Asset Wealth Management FIRST DIMENSIONS CONSULTING Team Chicago, Illinois Supervision and Regulation Division FEDERAL RESERVE BANK OF ATLANTA Atlanta, Complaints in the Fiduciary Business? Really, you don’t say. This is always a valuable and not-to-miss session with our pri- Attend this fundamental session to explore administrative risks mary federal regulators. These agency leaders will share their in handling complaints as well as sound practices and industry current fiduciary examination and policy initiatives, each re- trends for managing fiduciary complaints. sponding respectively to a series of questions posed by FIRMA. This unique format will allow attendees to hear how each agency is addressing financial reform.

Managing Conflicts of Interest

Kevin Peterson Senior Vice President BB&T Operational Risk Management BRANCH BANKING & TRUST COMPANY Raleigh, North Carolina

Fiduciaries have the duty to avoid conflicts of interest and self-dealing. Potential conflicts must be managed appropriately to avoid harm to account beneficiaries. Please join this session to participate in an interactive discussion about the most common conflicts of interest faced by fiduciaries, including under ERISA, and learn strategies and best practices to avoid or appropriately manage such conflicts, including as they relate to proprietary funds, own-bank securities, trading, and fees.

5 – 33rd ANNUAL NATIONAL RISK MANAGEMENT TRAINING CONFERENCE MONDAY, MAY 6, 2019 Breakout Sessions – 2:15 - 3:15 pm Regulatory Panel Tax Reform REPEAT SESSION C. Gray Johnsey, Esquire Principal/Shareholder WHITE & ALLEN P.A. Kinston, North Carolina ERISA Update: Tips & Traps for Fiduciaries

Jason C. Roberts, Esq., AIFA® PENSION RESOURCE INSTITUTE & RETIREMENT LAW GROUP After months of intense negotiations, Congress passed the San Diego, CA “Tax Cuts and Jobs Act Of 2017” on December 20, 2017, and the President signed this new legislation on December 22, 2017. The “Tax Cuts and Jobs Act Of 2017” (the “TCJA”) is arguably the most significant tax reform legislation since 1986. This mam- During this session, Jason will lay out commonly overlooked moth tax bill has had a significant impact on virtually every busi- examples of fiduciary risks for financial institutions with respect ness and individual taxpayer. The Session will cover the salient to both their role as service providers and as sponsors of their provisions of the TCJA, including the Transfer Tax provisions. own plans. By way of case studies and actionable takeaways, attendees can expect to be able to identify and mitigate fiduciary exposure in the following areas: Strategies for Small Audit Departments

• Investment Advice vs. Education; Gary E. Pelcak, CTA, CFSA, CFE • Selection/Monitoring of Plan Investments, including Retired Qualified Default Investment Alternatives and Target Former Chief Audit Executive Date Funds and investments managed or sub-advised CENTRAL NATIONAL BANK by affiliates; Junction City, Kansas • Selection/Monitoring of Service Providers; • Administration/Reporting; and • Cross-Selling and IRA Rollovers from ERISA-covered How can audit departments and auditors leverage opportuni- Retirement Plans. ties to achieve success, receive a Strong rating from regulators, and rise to greatness with limited resources, staff, expertise, and IT Support? Learn ways to overcome some of the unique chal- lenges facing a small audit shop during this interactive session where we will discuss:

• Small is a relative concept and does have its advantages; • The benefits of co-sourcing; • The importance of audit risk assessment in audit planning; • Implementing a risk management strategy to optimize resources; • Improving performance and proficiency; and • Developing and implementing a strong mission statement, audit charter, and audit committee charter.

6 – 33rd ANNUAL NATIONAL RISK MANAGEMENT TRAINING CONFERENCE MONDAY, MAY 6, 2019 Breakout Sessions – 3:30 - 4:30 pm Crypto 101 - Bitcoin: A Currency, It’s Just an Irrevocable Life Insurance Trust – Investment, or Neither? Nothing to Worry About, Right?

Anthony Juliano Leon J. Wessels Wealth Management Administration Analyst Corporate Business Development Manager MB FINANCIAL BANK, NA LIFE INSURANCE TRUST COMPANY Rosemont, Illinois Sioux Falls, South Dakota

A few years ago, Bitcoin was a term known by a small subset In this session, we will enhance your ILIT knowledge and dis- of people who bought and solid illicit goods through a “back- cuss real case studies that address typical challenges associated door” version of the internet. As Bitcoin gained popularity, its with managing life insurance policies. What should the trustee uses broadened to more traditional transactions; online retailers do in the following situations? began to accept it as payment and by mid-2017 there was a global explosion in popularity. Investment advisors and even the CEO • A term conversion date is approaching; of JP Morgan began commenting on Bitcoin both positively and • The insurance carrier increased the cost of insurance on negatively. Users/investors soared, and the prototypical Bitcoin an existing policy by 60%; owner broadened drastically. As firms see more Bitcoin (and • The 80-year old grantor wants to surrender the policy; and other cryptocurrencies) questions, requests, and holdings, it is • The original writing agent is proposing a policy exchange important to know how to address these topics with clients. This that looks great. session will discuss the implications and legitimacy of Bitcoin as fiat money and as an investment tool as well as the risks associ- Attendees will receive a copy of The TOLI (trust owned life ated with treating it as such. insurance) Handbook, a reference guide for trust professionals, fiduciaries and regulators. Lessons Learned After One Year of GDPR

Justin P. Webb ERISA Update: Tips & Traps for Fiduciaries Partner GODFREY KAHN, S.C. REPEAT SESSION Milwaukee, Wisconsin

This session will provide a general overview of the General Data Protection Regulation (EU) 2016/679 (“GDPR”), includ- ing applicability, requirements, and compliance strategies, with a major focus on the evolution of GDPR since its effective date of May 25, 2018. Attendees will learn about:

• Taking a risk-based approach to GDPR compliance; • Guidance from EU regulators post-May 25, and what that guidance means for your privacy program; and • The status of GDPR enforcement, including audits and fines, and what that tells us about risk-based priorities.

7 – 33rd ANNUAL NATIONAL RISK MANAGEMENT TRAINING CONFERENCE MONDAY, MAY 6, 2019 Roundtable Sessions – 4:45 - 5:45 pm Join your peers in four different roundtable groups for discussions around best and leading practices to address current or emerging issues and challenges. We ask all Federal and State regulators in attendance to join the “Regulators” Roundtable. All other attendees may choose their Roundtable of choice by “Audit” discipline – or by Risk / Compliance / First Line of Defense by “Small and Regional Banks” or by “Large Banks.” Audit Large Banks / Risk / Compliance / FLOD

Leaders: Leaders:

John L. Clark, CTA, CRCM, CAMS Jennifer L. De Vries, CTA Retirement & Institutional Services SVP, Senior Managing Director Trust Operations Manager Wealth Administration, Risk, and Operations BB&T MB Financial Bank, NA Raleigh, North Carolina Rosemont, Illinois

David B. Jonke, CTA, CPA Bruce K. Goldberg, CTA, CPA Compliance Senior Director - Managing Director. Deloitte Advisory Wealth and Asset Management Division DELOITTE & TOUCHE LLP Senior Vice President New York, New York FIFTH THIRD BANK Chicago, Illinois

Small and Regional Banks / Risk / Regulators This session is open only to Federal and State Regulators Compliance / FLOD Leaders: Leader:

Bradley F. Beshea Scott Kelly, CFIRS EVP, Fiduciary Compliance Manager Deputy Director FROST BANK SOUTH DAKOTA DIVISION OF BANKING San Antonio, Texas Pierre, South Dakota

Casey Jeanneret, CBA, CFIRS Director, Wealth Management Fiduciary Risk FIRST NATIONAL BANK OF OMAHA Omaha, Nebraska

FIRMA’s Welcome Reception 6:30 - 8:30 pm

8 – 33rd ANNUAL NATIONAL RISK MANAGEMENT TRAINING CONFERENCE TUESDAY, MAY 7, 2019 Keynote Session General Session 8:00 - 9:00 am 10:30 am - 11:30 am

Reputational Risk Management Future of Fiduciary Risk: Robotics, AI, in Financial Services Machine Learning Marc Sabino Josh Picov Head of Business Intelligence & Analytics Senior Vice President, Enterprise & Conduct Risk CITIGROUP Risk Management New York, New York CIBC Please join Marc for a fascinating tour of today’s financial in- Toronto, Canada novations, new technology tools, and state-of-the-art advances in data capture and utilization. This is a don’t-miss session for A company’s reputation is of fundamental im- Marc’s crystal ball view of the next steps in wealth management portance, particularly in the financial services industry, where technology. clients trust us with their livelihood. Over the past decade, the industry has seen an evolution of what our clients expect of us, and many institutions have seen significant harm to their reputa- General Session tion, through failings in both conduct and culture. 11:45 am - 12:45 pm This session will explore how financial service companies are managing reputational risk, not only at a transactional level, but Governance Structure also through holistic, enterprise-wide alignment across multiple dimensions of their organizations. It will explore the importance Jennifer L. De Vries, CTA - Moderator SVP, Senior Managing Director of industry-wide dialogue around self-identification of issues, to Wealth Administration, Risk, and Operations prevent misconduct and manage the narrative to drive a culture MB Financial Bank, NA of client-centricity. Rosemont, Illinois

Sean Gray General Session Managing Director 9:15 - 10:15 am Chief Compliance Officer BESSEMER TRUST Fiduciary Executive Panel – New York, New York Personal Trust – Our Changing World Thomas R. Mitchell Gabrielle Bailey Senior Vice President Chief Fiduciary Officer, Managing Director Manager, Global Fiduciary Risk Management CIBC PRIVATE WEALTH MANAGEMENT COMPANY Wilmington, Delaware Chicago, Illinois

Barb Speidel Nicole Degnan Managing Director Managing Director Deputy Chief Auditor, Investment Management Head of Firm-wide Fiduciary & Conflicts of Interest BNY MELLON JPMORGAN CHASE & CO. Pittsburgh, Pennsylvania New York, New York One size does not fit all when it comes to Sally Mullen defining an appropriate Governance Structure. This moderated SVP, Chief Fiduciary Officer Executive Panel Session will provide thoughts and perspective US BANK WEALTH MANAGEMENT on the following: Minneapolis, Minneapolis • Core components of an effective Governance Structure; • Special considerations relative to the oversight and man- agement of an organization’s fiduciary and other key risks; In this session, Fiduciary senior executives from three different • How an organization’s size, staffing, complexity, organizations will share their perspective on best and leading product/service offering, etc. may impact Governance; practices and how they are approaching current and emerging • Regulatory expectations and best practices in the area challenges related to regulatory changes, technology advance- of Governance; and ments and industry trends. They will also answer your ques- • Differing, yet complementary, roles and responsibilities tions about how these changes may impact your business. of 1st, 2nd and 3rd Lines of Defense. 9 – 33rd ANNUAL NATIONAL RISK MANAGEMENT TRAINING CONFERENCE WEEK AT A GLANCE SUNDAY Pre-Conference Workshop I Pre-Conference Workshop II 1:00 - 4:00 pm 1:00 - 4:00 pm Administering Trusts and Developing Fiduciary Solutions First vs. Second Line of Defense in the Modern Age: Are We Creeping Out of the Cave? Diana Vasquez , Deborah Austin Daniel E. Ramer, David Sawyer NEW ATTENDEE/NEW MEMBER SOCIAL – 6:30 - 7:30 PM

MONDAY WELCOMING OPENING GENERAL SESSION GENERAL SESSION HOSTED REMARKS KEYNOTE ADDRESS 9:30 - 10:30 am 10:45 - 11:45 am LUNCHEON 8:00 - 8:15 am 8:15 - 9:15 am The U.S. & Global Economy: I’ll Make You an Offer 11:45 am - FIRMA President Secure Cyber Life: Cycle Challenges and You Can’t Refuse: Insights 1:00 pm from a Former Mob Boss David B. Jonke The Government is Not Opportunities Coming to Save You Ellen Zentner on Ethics and Morals Michael A. Echols Michael Franzese Breakout Sessions – 1:00 - 2:00 PM Regulatory Panel Managing Conflicts of Sales Practices and Bad Assessing Fiduciary Nanna Goodfellow, Tish Interest Behavior Complaints Dalton, Michael W. Orange, Kevin Peterson Elia Alonso Marilyn Smith Ronald L. Wert Breakout Sessions – 2:15 - 3:15 PM Regulatory Panel ERISA Update: Tips & Traps Tax Reform Strategies for Small Audit REPEAT SESSION for Fiduciaries C. Gray Johnsey Departments Jason C. Roberts Gary E. Pelcak Breakout Sessions – 3:30 - 4:30 PM Crypto 101 - Bitcoin: A ERISA Update: Tips & Traps Lessons Learned After One It’s Just an Irrevocable Life Currency, Investment, or for Fiduciaries Year of GDPR Insurance Trust –Nothing to Neither? REPEAT SESSION Justin P. Webb Worry About, Right? Anthony Juliano Leon J. Wessels ROUNDTABLE Sessions – 4:45 - 5:45 PM Audit Small & Regional Banks / Large Bank / Risk / Regulators John L. Clark Risk / Compliance / FLOD Compliance / FLOD Scott Kelly Bruce K. Goldberg Bradley F. Beshea Jennifer L. De Vries Casey Jeanneret David B. Jonke FIRMA’S WELCOME RECEPTION – 6:30 - 8:30 PM

TUESDAY General Session General Session Keynote Session General Session 10:30 am - 11:30 am 11:45 am - 12:45 pm 8:00 - 9:00 am 9:15 - 10:15 am Future of Fiduciary Risk: Governance Structure Reputational Risk Chief’s Panel – Personal Trust – Robotics, AI, Jennifer L. De Vries, Management in Financial Our Changing World Machine Learning Sean Gray, Thomas R. Mitchell, Services Gabrielle Bailey, Marc Sabino Barb Speidel Josh Picov Nicole Degnan, Sally Mullen FOCUS SESSIONS – 2:30 - 4:30 PM Focus Session I Focus Session II Fiduciary – Not Just Reg 9 Complex Investment Strategies and Exchange Traded Products Satish Pattegar, Marilyn Smith Yasmin Dahya, Peter Epstein

10 – 33rd ANNUAL NATIONAL RISK MANAGEMENT TRAINING CONFERENCE WEEK AT A GLANCE WEDNESDAY

KEYNOTE SESSION LUNCHEON & MEETING 8:00 - 9:00 am 11:45 am - 1:15 pm Thinking Anew for All Things Digital Open to all Conference Attendees Louis Pellicori FIRMA Annual Membership Meeting David B. Jonke, President

Breakout Sessions – 9:15 - 10:15 am

ABA Trust Legislative Update: Work Force of the Future Conflicts: Reg W is Only the Key Risks in Retirement Plan Our Positive Policy Mike Schor Beginning... Products and Services Environment Mary Ann Lowney Larry Divers Cecelia A. Calaby

Breakout Sessions – 10:30 - 11:30 am

ABA Trust Legislative Update Does It Really Matter When ROBO Advisory vs. Wealth SEC Influence to Trusts REPEAT SESSION It Comes to Being A Fiduciary Advisory Sara Cortes to a 401(k) Plan? Giselle Casella Rose Panico-Marino

Breakout Sessions – 1:15 - 2:15 PM

Institutional Account Risk Leading Internal Audit AML Generation Skipping Tax Robert K. Thompson Practices Thomas C. Bogle Fran DeMaris Patrick G. Renaud

Breakout Sessions – 2:30 - 3:30 PM

Power of Attorney Risks The Three Lines of Defense The Benefits of Automation Fiduciary Fraud Joanne Hindel in the Boardroom of Contract Management and Ian Mitchell Mark Sparano E-Signature Michael Berman

Breakout Sessions – 3:45 - 4:45 PM

Investment Performance – Uniform Directed Trusts Mind, Heart and Wallet: Fiduciary Fraud Benchmarks, Models, Geoffrey A. Madsen Trends in Socially REPEAT SESSION and GIPS® Responsible Investing Michael Beck Anne T. Durkin, CFA

THURSDAY KEYNOTE SESSION GENERAL SESSION 8:00 - 9:00 am 9:15 - 10:15 am Top Five Fiduciary Risks Trust 2030 James M. Marion J. Phil Buchanan

ROUNDTABLE SESSIONS – 10:30 - 11:30 AM Conference Highlights & Key Takeaways Audit Small & Regional Banks / Large Bank / Risk / Regulators John L. Clark Risk / Compliance / FLOD Compliance / FLOD Scott Kelly Bruce K. Goldberg Bradley F. Beshea Jennifer L. De Vries Casey Jeanneret David B. Jonke

11 – 33rd ANNUAL NATIONAL RISK MANAGEMENT TRAINING CONFERENCE TUESDAY, MAY 7, 2019 Focus Session I Focus Session II 2:30 pm - 4:30 pm 2:30 pm - 4:30 pm

Fiduciary – Not Just Reg 9 Complex Investment Strategies and Exchange Traded Products Satish Pattegar Director of Fiduciary Risk & Governance Yasmin Dahya Fiduciary & Investment Risk Executive Director WELLS FARGO CORPORATION Head of Americas Beta Specialist Team Minneapolis, Minnesota J.P. MORGAN ASSET MANAGEMENT New York, New York

Marilyn Smith Compliance Risk Management Consultant Peter Epstein FIRST DIMENSIONS CONSULTING Vice President, Alternatives Solutions Chicago, Illinois Group - Americas J.P. MORGAN ASSET MANAGEMENT New York, New York

If you’re a fiduciary oversight professional, you may have al- ready mastered the requirements under “Reg 9” (or 12 CFR Part This session will cover the risks, challenges and opportunities 9 - Chapter 12 of the Code of Federal Regulations Part 9). But in the ever evolving landscape of exchange traded products and what about other regulations, laws or guidelines - current or complex investment strategies. The session will be divided into on the horizon – that also impact fiduciary activities? Are you two parts. First, Yasmin will discuss the evolution of exchange aware and familiar with them? Do you know what to do about traded products. She will review passive, strategic beta and fi- them? Come join this session as we meander through the maze nally active strategies that are delivered in these vehicles. The of applicable regulations, help you share your knowledge with session will focus on how these vehicles are utilized, their role in the other attendees, and build a stronger operating environment portfolio construction, liquidity and challenges associated with within your fiduciary oversight role. due diligence. In the second part of the session, Peter will focus on complex alternative strategies. Peter will cover both private and liquid investment strategies. He will discuss the most common invest- ment options, their role in portfolio construction, risks, suitabil- ity and common challenges associated with research and due diligence.

12 – 33rd ANNUAL NATIONAL RISK MANAGEMENT TRAINING CONFERENCE WEDNESDAY, MAY 8, 2019

outcomes. The financial services industry is a constant source Keynote Session of new, and disruptive, technologies, regulatory changes, shifts 8:00 - 9:00 am in workforce demographics and the needs of an always evolving client base requires you to continually adapt. As such, we must Thinking Anew for All Things Digital constantly reexamine what it takes to be an industry leader. For our business colleagues, this means reimagining what’s possible. Louis Pellicori For IT, it will mean architecting for the future in an environment Chief Technology Officer that allows for constant change driven by digital assets. THE GLENMEDE TRUST COMPANY You cannot stop the unprecedented pace of organizational, Philadelphia, Pennsylvania business and technology transformation. Are you prepared? If so, what should you be doing? Takeaways: The Digital evolution is changing all the rules on a global scale • General understanding in the trends of digital in our as it drives disintermediation in our personal and business life. personal and professional life; There is no turning back. Are you ready to respond and think • What are the key disruptors and technologies anew? driving change; With each passing year technology becomes more embedded • What is the role of cyber security; and in everything we do. From how we live, work, and service our cli- • Compliance could be the glue in setting the standards ents to how we leverage information & data in support of business Breakout Sessions – 9:15 - 10:15 am ABA Trust Legislative Update: Conflicts: Reg W is Only the Beginning... Our Positive Policy Environment Mary Ann Lowney Cecelia A. Calaby U.S. Trust Compliance and Senior Vice President Operational Risk Executive Center for Securities, Trusts, and Investments U.S. TRUST AMERICAN BANKERS ASSOCIATION Boston, Massachusetts Washington, D.C. Fiduciary professionals face a myriad of situ- Despite lots of lights and noise in Washing- ations posing real or perceived conflicts risk. This session will ton, financial industry policy is now largely in the hands of ad- provide practical tips for identifying and mitigating conflicts risk, ministration appointed leaders, all of whom are proceeding to with a view of overarching regulations including the ubiquitous revisit how post-crisis rules are working. Change continues to Reg W. be a feature of the policy landscape, presenting challenge and opportunity. This session will highlight some of those changes Key Risks in Retirement Plan Products that will impact your businesses. and Services

Work Force of the Future Larry Divers Executive Vice President Mike Schor CANNON FINANCIAL INSTITUTE Partner - Risk & Financial Advisory Athens, Georgia DELOITTE & TOUCHE, LLP Parsippany, New Jersey The Retirement Plan Marketplace, which The evolution of workforce and workplace currently encompasses over $28 trillion, has a complicated legal is driven by the growing adoption of advanced and compliance framework that requires financial organizations technologies such as robotic process automation, cognitive intel- to have comprehensive policies, procedures and controls in place ligence, and artificial intelligence and will include both on-bal- to assure proper compliance and risk management. This pro- ance sheet and off-balance sheet talent. The presentation will gram will focus on the compliance, operational, and reputational explore the new rules to live by in the changing world of work, risks facing retirement service providers. Specifically, the areas will explore the augmented workforce and the greater number of to be discussed will be those identified by the Internal Revenue talent options that are emerging, and will help answer strategic Service, Department of Labor, and the OCC. questions related to the workforce of the future. 13 – 33rd ANNUAL NATIONAL RISK MANAGEMENT TRAINING CONFERENCE WEDNESDAY, MAY 8, 2019 Breakout Sessions – 10:30 - 11:30 am ABA Trust Legislative Update ROBO Advisory vs. Wealth Advisory REPEAT SESSION Giselle Casella Senior Principal Consultant Does It Really Matter When It Comes to ACA COMPLIANCE GROUP Being A Fiduciary to a 401(k) Plan? Boca Raton, Florida

Rose Panico-Marino Innovation vs. Tradition. How well is our wealth industry han- Managing Director dling the latest advances in “Robo” technology and how does it Head of Corporate Retirement Plan Services compare to traditional advisory services? Please join Giselle for CIBC BANK USA a thought-provoking discussion of today’s wealth management Chicago, Illinois client solutions.

In this session, Attendees will learn SEC Influence to Trusts • The difference between a 3(21) vs. a 3(38) advisor; • What companies expect from these roles; Sara Cortes • Pricing for 3(21) and 3(38) advisory services; and Assistant Director, Investment Adviser Regulation Division of Investment Management • Why it’s important to engage clients regardless of the U.S. SECURITIES AND EXCHANGE advisory role. COMMISSION We’ll also discuss the regulatory environment in Washington, Washington, D.C. DC that could have significant impact for retirement plans. Please join Sara for an up-to-date discussion of the current rulemaking initiatives of the SEC potentially applicable to the wealth management industry.

Luncheon and Meeting Open to all Conference Attendees 11:45 am - 1:15 pm

“FIRMA Annual Membership Meeting” David B. Jonke, CTA, CPA FIRMA President

14 – 33rd ANNUAL NATIONAL RISK MANAGEMENT TRAINING CONFERENCE WEDNESDAY, MAY 8, 2019 Breakout Sessions – 1:15 - 2:15 pm Institutional Account Risk AML

Robert K. Thompson, CFP, CRSP, AIF Thomas C. Bogle Senior Vice President – Institutional Services Partner MB FINANCIAL BANK, N.A. DECHERT, LLP Chicago, Illinois Washington, D.C.

Are the risks the same in Institutional Client accounts as they This session will provide an overview of the anti-money laun- are in Individual accounts? What types of accounts make up the dering (AML) regulations applicable to asset managers. Attend- Institutional market? Fraud can and will occur even in the most ees will learn how asset managers should go about developing visible types of accounts. AML risk assessment and AML compliance programs. Tom This session will focus on various risks in Institutional ac- will discuss current trends in AML regulation and enforcement, counts through a discussion of several real life situations. Bob emphasizing areas of focus for regulators and examiners. Tom’s will bring unique hands-on examples of risk in this market. This session also will address U.S. sanctions trends and how to imple- will include an examination of the controls that were in place or ment a risk-based sanctions compliance program. should have been in place at various levels. Attendees will learn how to (1) identify such risks and (2) how to possibly mitigate Generation Skipping Tax such risks before they occur. Fran DeMaris Leading Internal Audit Practices Executive Vice President CANNON FINANCIAL INSTITUTE Patrick G. Renaud, CPA/MBA Athens, Georgia Managing Director & General Auditor THE GLENMEDE TRUST COMPANY Philadelphia, Pennsylvania In this session, Fran DeMaris will provide a discussion of the Generation Skipping Transfer Tax Rules and Regulations. This complex area of taxation is not covered in Cannon’s Certifica- It’s time to raise the bar! Please join Patrick for a discussion tion Program, but is a useful tool for professionals in Trust Au- on leading internal audit practices. dit, Compliance and Risk Management. Knowing that the new Patrick will draw on his 20+ years of internal audit experience $11.4 Million Exemption Equivalent has clearly augmented the and discuss specific practices aimed at further enhancing the number of 706s required to be filed, there remain a number of stature of internal audit within your institution. Patrick will also our most wealthy clients that will indeed continue to be under its discuss practices that can limit the efficiency and overall effec- penalizing nature. Understand that Generation Skipping Trans- tiveness of internal audit. fer Tax is never charged alone, but is always in addition to Gift or Estate Tax payment. Distinguishing when it applies, as well as how it is charged can clarify some of its most compelling issues. The proper use of gift planning, the ability to discount valuations in gifting, the complexities of narrative language in documents and their interpretation, and the effect of Portability as a perma- nent feature of the law, are all issues of importance in this dis- cussion. Join Fran for this up-to-date and meaningful dialogue.

15 – 33rd ANNUAL NATIONAL RISK MANAGEMENT TRAINING CONFERENCE WEDNESDAY, MAY 8, 2019 Breakout Sessions – 2:30 - 3:30 pm

Power of Attorney Risks The Benefits of Automation of Contract Management and E-Signature Joanne Hindel Vice President & Regional Fiduciary Executive Michael Berman OSBA Board Certified Specialist in Estate Planning, CEO Trust and Probate Law NCONTRACTS FIRTH THIRD BANK King of Prussia, Pennsylvania Cleveland, Ohio

When an Agent under a Power of Attorney document with- By automating e-signature and contract management, you’ll draws funds owned by the Principal, frustrated family members benefit from seamless workflows that protect your organization. often look to the financial institution to reimburse the funds. This workshop will address and attendees will learn: Do you know when your financial institution might be liable for recovery of the funds? • The evolution of electronic signatures and documents; Can you determine whether a POA Agent holds authority to • Best practices in the evolution of the contract, i.e. withdraw funds under the following circumstances? drafting, negotiating, finalizing, enacting; 1. When the funds are held in an investment management • Benefits of automation to gain control of your compliance account in the individual name of the Principal. and fiduciary responsibilities through contracts; and 2. When the funds are held in an investment management • The importance of managing third-party risk by account in the name of the Principal as trustee of his automating and capturing the data. own trust. 3. When the funds are held in a revocable trust established by the Principal with the financial institution serving Fiduciary Fraud as trustee. How do state laws vary regarding the authority of POA Agents? Ian Mitchell Fraud Consultant These issues and others will be explored. PRICEWATERHOUSECOOPERS, LLP Chattanooga, The Three Lines of Defense in the Boardroom

Mark Sparano Board Member and Audit Committee Chair Innovative criminal schemes abound not only in the workplace SENTINEL TRUST COMPANY but also as they touch our lives and well-being. Please join na- Houston, Texas tionally-known fraudfighter Ian Mitchell for a compelling over- view of fraud risks and the latest financial controls and practices for security and detection. In this session, Attendees will:

• Appreciate how risk management, compliance and audit are viewed from the independent director vantage point; • Understand the fiduciary duty of the Board on a much deeper basis; • Consider how to enhance your work product so it better dovetails into what Board and Board Committees need; and • Learn lessons from real world examples from the independent public accountant, the chief audit executive and the chief risk officer

16 – 33rd ANNUAL NATIONAL RISK MANAGEMENT TRAINING CONFERENCE WEDNESDAY, MAY 8, 2019 Breakout Sessions – 3:45 - 4:45 pm

Investment Performance – Fiduciary Fraud Benchmarks, Models, and GIPS® REPEAT SESSION

Michael Beck, CFP®, CAIA, CIPM Vice President of Performance Measurement Mind, Heart and Wallet: Trends in Socially THE GLENMEDE TRUST COMPANY Philadelphia, Pennsylvania Responsible Investing Anne T. Durkin, CFA Portfolio Manager MAINSTREET ADVISORS LLC In this session, Mike will discuss and attendees will learn: Chicago, Illinois • Correct benchmark assignment and presentation along with common issues around benchmarking. • What can be shown for theoretical performance models versus real live accounts? Things have come a long way in “SRI” since its introduction in • The Global Investment Performance Standards and the the 1960s. The evolution of SRI has seen an increase in investors benefits to comply with them. who are not only seeking investment performance, but also are • When the returns go wrong and how to spot them. looking for impactful ways to align their values with their invest- ments. Anne’s presentation will explain ways to integrate envi- Uniform Directed Trusts ronmental, social and governance (ESG) factors with financial analysis which can lead to an investment strategy that speaks Geoffrey A. Madsen to — and for — each investor. Chief Executive Officer and Chairman INDEPENDENT TRUST COMPANY OF AMERICA Rapid City, South Dakota

In addition to being chairman and CEO of the Independent Trust Company, Geoff Madsen is a fifth generation trust ben- eficiary who knows firsthand the complexities trust assets can bring to family relationships. In this session, we will explore how uniform directed trusts can serve to align all parties with the grantor’s intent as well as beneficiaries, resulting in the opportu- nity for less conflict, and best practices for working with advisors and clients within a directed trust.

17 – 33rd ANNUAL NATIONAL RISK MANAGEMENT TRAINING CONFERENCE THURSDAY, MAY 9, 2019 Keynote Session General Session 8:00 - 9:00 am 9:15 - 10:15 am

Top Five Fiduciary Risks Trust 2030

James M. Marion J. Phil Buchanan National Fiduciary Advisor Executive Executive Chairman U.S. TRUST, BANK OF AMERICA CANNON FINANCIAL INSTITUTE Private Wealth Management Athens, Georgia Chicago, Illinois

Risk abounds and resources are scarce. How do we allocate In theory, audit is about examining what has happened in our precious time and focus our divided attention on the key the past. Compliance is about what is currently occurring. Risk risks that threaten the fiduciary business? Management is about focusing on the future. When we look to Explore the top five fiduciary risks facing our industry and your the year 2030, what will the trust business entail? Artificial In- institution. Please join Jim to identify the sources of those risks. telligence will be a tool used by almost every trust organization. Attendees will learn the opportunities to create sound business Mutualization of support and back office functions will be the practices supported by preventive and detective controls in order norm. The overall trust business will become even more special- to mitigate those risks and ensure the safety and soundness of ized. Oh, and there will be tax law changes. your bank. Or….will any of this actually occur? Join Cannon Financial Institute Chairman, Phil Buchanan, as he examines the possi- bilities and offers insights so that you and your organizations are ready, regardless of what 2030 holds.

18 – 33rd ANNUAL NATIONAL RISK MANAGEMENT TRAINING CONFERENCE THURSDAY, MAY 9, 2019 Roundtable Sessions – 10:30 - 11:30 am Conference Highlights & Key Takeaways: Audit Conference Highlights & Key Takeaways: Large Bank / Risk / Compliance / FLOD Leaders: Leaders: John L. Clark, CTA, CRCM, CAMS Retirement & Institutional Services Jennifer L. De Vries, CTA Trust Operations Manager SVP, Senior Managing Director BB&T Wealth Administration, Risk, and Operations Raleigh, North Carolina MB Financial Bank, NA Rosemont, Illinois

Bruce K. Goldberg, CTA, CPA Managing Director. Deloitte Advisory David B. Jonke, CTA, CPA DELOITTE & TOUCHE LLP Compliance Senior Director - Wealth and Asset Man- New York, New York agement Division Senior Vice President FIFTH THIRD BANK Chicago, Illinois

Conference Highlights & Key Takeaways: Small & Regional Banks / Risk / Conference Highlights & Key Takeaways: Compliance / FLOD Regulator

Leaders: Leader:

Bradley F. Beshea Scott Kelly, CFIRS EVP, Fiduciary Compliance Manager Deputy Director FROST BANK SOUTH DAKOTA DIVISION OF BANKING San Antonio, Texas Pierre, South Dakota

Casey Jeanneret, CBA, CFIRS Director, Wealth Management Fiduciary Risk FIRST NATIONAL BANK OF OMAHA Conference Adjourns Omaha, Nebraska 11:30 am

19 – 33rd ANNUAL NATIONAL RISK MANAGEMENT TRAINING CONFERENCE 33rd National Risk Management Training Conference NOTES Hotel and Amenities Dress Wyndham Grand Orlando Resort Bonnet Creek Casual dress is recommended for all conference functions. 14651 Chelonia Parkway Orlando enjoys a hot climate; the average temperature in mid- Orlando, FL 32821 May is 85-89 degrees with lows around 65-69 degrees at night. 407-390-2300 While attending conference sessions, a sweater or jacket is al- ways recommended. Hotel Highlights: Play, Relax, Escape and Be You. From the picturesque land- Airport Transportation Information scape of Bonnet Creek to the tranquility of our Blue Harmony (Prices approximate and subject to change) Spa to the magical adventures of the Walt Disney World Resort, A taxi will cost approximately $50.00 - 70.00 from Orlando our upscale resort hotel delivers unforgettable moments that will International Airport (MCO) to Wyndham Grand Orlando make you smile for a lifetime. Resort Bonnet Creek. Luxury Vehicle will cost approximately $68.00 (1-3 passengers), reservations are recommended and can Hotel Highlights: be made by calling 407-273-2349. Orlando International Airport 400 luxury guestrooms, including 12 plush suites has designated Ride Share passenger pickup locations as well 32,000 square feet of flexible function space which will run between $30.00 (Uber) to $40.00 (Lyft). 5 pools, 2 lazy rivers, 2 kid’s splash parks and 9 hot tubs Tesoro Cove, located on the lower level of the resort, is known Americans with Disabilities Act as a hidden treasure of fine family dining. Start your day off right FIRMA is pleased to assist in complying with ADA. If you are with our sumptuous American-style buffet. Where else can you an attendee with a disability, please contact Hale Mast, FIRMA get home cooking without a mess? Executive Director, (803) 547-8964, to discuss any auxiliary aids Deep Blu Seafood Grille, this is where our chefs will pre- needed to assist you from a communications, transportation, or pare a diverse culinary journey that will awaken your palette. architectural aspect. FIRMA will then inform the hotel of your From fresh Atlantic seafood to the best cuts of steak around, you special needs. will go home happy. Blue Harmony Spa is a top facility within the Bonnet Creek Special Events area and offers massage therapies, body treatments, facials, man- FIRMA is pleased to announce the following complimentary icures, pedicures and spa packages. programs at this year’s conference: Complimentary Wi-Fi in every guest room. On Sunday evening, May 5th, FIRMA will host a social for For information about the city of Orlando, visit First-Time Conference Attendees and FIRMA New Members www.visitorlando.com from 6:30 - 7:30pm. Details are on page 3. Please indicate you are a first-time attendee or new member on the conference reg- istration form. Hotel Reservations Conference attendees will receive a reduced group rate of FIRMA will host a special welcome reception poolside at $205.00 single or double occupancy. FIRMA also has 45 gov- the Wyndham Grand Orlando Bonnet Creek on Monday, May ernment rate rooms blocked at the Wyndham Grand Orlando 6th, from 6:30 - 8:30pm. Come join us and enjoy this time to Resort, from Sunday night through Wednesday night. meet old and new friends attending the conference. Hotel reservations may be made online at: FIRMA Block: https://book.passkey.com/go/FIRMA2019 On Tuesday afternoon, May 7th, FIRMA is offering two FIRMA Government Block: Focus Sessions from 2:30 - 4:30pm, entitled Fiduciary – https://book.passkey.com/go/FIRMAGov2019 Not Just Reg 9 and Complex Investment Strategies and Reservations may also be made over the phone by calling 407- Exchange Traded Products. 390-2505. The guests should request the “FIRMA” or “FIRMA government” rooming block. The FIRMA Annual Membership Meeting will be held Attendees will be able to book up until Monday, April 15, 2019 following the luncheon on Wednesday, May 8th. All conference or until our block is sold out (whichever occurs first). ALL RES- attendees are invited to join us for lunch and the meeting. ERVATIONS MADE AFTER 5PM, Monday, April 15, 2019, ARE SUBJECT TO AVAILABILITY. The special FIRMA group rate will be honored (3) days prior and (3) days after the meeting dates, subject to availability.

20 – 33rd ANNUAL NATIONAL RISK MANAGEMENT TRAINING CONFERENCE REGISTRATION FORM FIRMA 33rd NATIONAL RISK MANAGEMENT TRAINING CONFERENCE May 5 - 9, 2019 Register for: Check one: q Member q Non-member q Conference q $1,850.00* q $2,095.00* q Conference-Regulators q $1,650.00* q $1,795.00* q Pre-Conference Workshop q I q II q $315.00 q $415.00 q Focus Session q I q II (no charge for conference attendees, but pre-registration is required) *Take a $100 discount if paid prior to March 23, 2019

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Conference Materials: All 2019 Conference attendees may access and download the conference materials, speaker outlines, and handouts from the FIRMA website and the FIRMA mobile App prior to the Conference. Registered attendees will be notified when the speaker materi- als become available.

BY MAIL BY E-MAIL Copy and mail this complete form to: Our e-mail address is [email protected] FIRMA, PO Box 669515, Marietta, GA 30066. REGISTER ONLINE BY TELEPHONE Visit our website at www.thefirma.org. Call us at (770) 790-8355, Monday-Friday, 8 AM to 5 PM EST. TRAVEL Call Renee at Action Travel at (800) 854-0601, BY FAX ext. 3023 for travel arrangements. Send this completed form to (770) 790-8363. FIRMA™ PRESORTED Fiduciary & Investment Risk First Class Management Association, Inc. PO Box 669515 US POSTAGE Marietta, GA 30066 PAID www.thefirma.org Athens, GA ADDRESS SERVICE REQUESTED Permit No. 11

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WYNDHAM GRAND Orlando Resort Bonnet Creek