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Ac2021 Hero 825X470

October 25-28, 2021

Join us virtually



Registration includes access to our inaugural Women in Risk Summit on October 29, 2021, as well as our Annual Internal Audit Conference, also happening October 25-28.  

Please Note That Agenda Is Subject To Change*


MONDAY, October 25:

Our Changing World – Understanding the Big Picture

  1:00pm - 2:00pm


Plenary Session

Nancy Foster, President & CEO, The Risk Management Association
Michael Nassy, Executive Vice President & Chief Credit Officer, FVC Bank; RMA Board Chair

Keynote - Trusting Your Gut: The Importance of Intuition and Courage in Risk Management

Michael Lewis, Best-Selling Author

A common thread runs through many of Michael Lewis’ best-seller books: as risks loom, only some people can see them and even fewer are brave enough to do anything about it. In this keynote session, Lewis talks with RMA President & CEO Nancy Foster about what sets apart those who can foresee risks and how they develop intuition and strength to act. Using examples from his book “The Premonition,” Lewis shares lessons from the inspiring characters who foresaw the pandemic and tried to prevent the worst.

Keynote - The Art of Perseverance: Sounding Warnings When No One Will Listen

Dr. Charity Dean, CEO and Co-Founder, The Public Health Company

One of the bravest characters in Michael Lewis’ “The Premonition” is Charity Dean, then the head of Public Health in Santa Barbara County and later the assistant health commissioner of California.  Dean routinely takes risks other public health commissioners will not – tackling hepatitis, meningitis, and other potential public health emergencies with little-to-no backing from others. And when it comes time to sound the alarm about COVID-19, no one will listen. In this session with RMA President & CEO Nancy Foster, Dean talks about her approach to risk management and how she developed the fortitude to stand alone.


  2:00pm - 3:00pm

Digitalization: Where to Go from Here

A Changing Climate: The Financial Services Industry and Climate Change

Keith White, Chief Officer, CIBC
Mary Obasi, SVP, Global Climate Risk Executive, Bank of America
Doris Honold, Non-Executive Director, Chair of Board Risk Committee, for Credit Suisse International

Matthew Kramer, Climate Risk Executive, U.S.Bank

Climate change is a risk headed down the track - and when it hits industries, it will hit hard. How will this issue affect banks of all sizes? Industry experts to discuss the physical risks banks face and, most importantly, the transition risk that will occur when their investments are valued with climate impact factored in. This session will offer both an overview and practical advice for beginning to look at climate change in your organization.

Internal Audit Session:

Chief Audit Executive Panel

Julie Scammahorn, Chief Audit Executive, Wells Fargo
Vernon H. Stafford, Jr., SEVP & Chiel Audit Executive, First Horizon
Shellie R. Creson, Executive Vice President & Chief Audit Executive, Fifth Third Bank
Kandace Heck, SEVP & Chief Audit Executive, First Horizon
Theodore J Scallon, Partner, KPMG (Moderator)

The panel of chief audit executives from leading financial services organizations will discuss, among other things, lessons learned and how they responded to the pandemic; Internal Audit’s imperatives post Covid -19; keeping pace with the velocity of change and risk through modernization and innovation; talent management; DEI initiatives; ESG; the future of Internal Audit 2030, and how Internal Audit techniques and methodologies are adapting to accommodate the current and future environment. 

Learning Objectives: 

You will learn from this session the following key items:

  • Gain valuable insight into pandemic- related risks and how internal audit functions successfully dealt with them.
  • Understand how internal audit functions are planning and /or adapting with a hybrid/virtual workforce;
  • Understand how modernization and transformation initiatives are critical to keep pace with the velocity of change and risks and the future of Internal Audit 2030; and
  • Explore how Internal Audit functions are embracing DEI initiatives, as well as responding to increase focus on ESG internal audit coverage.


  3:00pm - 4:00pm

Senior Banker Liquidity Panel: Highly Liquid Bank Balance Sheets Facing Risks

Susanne Robinson, Director, Liquidity Risk Oversight, (CIT)
Kort Brown, Executive Vice President and Treasurer, Bank United 
Joseph Ondesko, Senior Vice President and Assistant Treasurer, NBT Bank
Matthew J. Spano, Liquidity Manager, First Horizon Bank

The unprecedented government stimulus injected into the economy during the COVID era has drastically affected bank liquidity.  Join us as we listen to Treasury and Liquidity Risk professionals share how they have been positioning their banks’ balance sheets against the risks caused by government tapering, LIBOR transition and rising rates.  

Change Management: 2022 and Beyond

David Stone, Operational Risk Manager, Zions
David Diehl, Senior Vice President, Director of Operational Risk, Texas Capital Bank
Lori Calhoun, Executive Vice President and Chief Risk Officer, Dollar Bank
Azlina Wetmore, VP, Risk Management, Capital One Financial Corporation

In this session, participants will explore change management & testing, oversight, models, converged approach to managing enterprise risk, supply chain disruptions, and M&A.

Internal Audit Session:

Credit Review and Internal Audit: How They Interact Within the 3rd Line of Defense

Kevin T. Ryan, Chief Risk Review Officer and General Auditor, KeyCorp (Moderator)
Constance Keller, Head of Loan Review, BMO Harris
Stephanie Richard, Chief Audit Executive, Ally
Heidi Andrion, Director of Credit Review, Capital One

Since the financial crisis of 2008, most banks have strategically implemented a Three Lines of Defense organizational structure. Internal Audit and Credit Review functions are both considered to be within the third lines of defense in many institutions. Both have distinct independent testing/review responsibilities for two main asset classes: Commercial and Consumer Lending. We will discuss the interactions between Internal Audit and Credit Review, along with leading practices on how they have been able to adjust and enhance their collaboration since the pandemic took hold and how they will move forward into 2030. 

Learning Objectives: 

You will learn from this session the following key items:

  • What does the world of Credit Review and Internal Audit look like as the Third Lines of Defense? What are the similarities of the two roles and challenges presented in conducting internal audits and reviews in Consumer and Commercial Lending - especially given the pandemic disruption?
  • Blurred lines exist in every organization. Both Credit Review and Internal Audit are autonomous divisions within the bank. Given collaboration is highly important in any successful operation, we will discuss the challenges and rewards increased interaction and reliance presents.
  • Learn about compliance and regulatory oversight. How has Covid impacted Credit Review and Internal Audit practices? How did the banks adjust and implement changes (temporary or permanent) to address this disruption and its impact on functions performed in Credit Review and Internal Audit, as well as their interactions with the regulators?
  • Understand how the emerging risk of climate change is being addressed.

  4:00pm - 5:00pm


Keynote - Looking to the Other Side of the Pandemic

Mark Zandi, Chief Economist, Moody's

The economic recovery has come a long way back from the severe recession precipitated when the pandemic struck 18 months ago, but it has a long way to go, and in some respects there is no going back.

Plenary Session


TUESDAY, October 26:

Our Industry – Key Risks Today and in the Future

  10:00am - 10:30am

Sponsor Showcase: Fusion Risk Management

Operationalizing Compliance into Risk and Resiliency

Lauren Kornutick, Compliance Solutions Manager, Fusion Risk Management 
Blaine Stahl, Director Emerging Products, Fusion Risk Management

Compliance is not just one person’s or departments responsibility – everyone in the organization has an obligation to comply with legal and regulatory obligations.  Successful businesses operationalize compliance by integrating it into business processes and culture—so it becomes part of how people do their jobs.

In this session, Fusion will share with the audience:

  • What it means to operationalize Compliance
  • How to tell if you have operationalized Compliance 
  • Examples of steps you can take in your program to demonstrate program effectiveness
  • Examples of how technology can help you achieve a more robust compliance program

  10:30am - 11:00am

Sponsor Showcase: Ardmore Banking Advisors

Identifying Emerging Credit Risks to Assist all 3 Lines of Defense

Louis Dunham, SVP & Senior Director, Credit Risk Management, Ardmore Banking Advisors
Suzanne Storm, SVP, Credit Policy & Risk Management, Ardmore Banking Advisors
Peter Cherpack, EVP, Principal & Senior Director of Credit Technology, Ardmore Banking Advisors

Effective credit risk management starts with open collaboration from all three lines of defense. Learn from seasoned credit experts how the third line of defense can enhance the success of the first two lines through identifying emerging risk trends. Hear how lessons learned in the pandemic helped to define new best practices in proactive credit management and targeting emerging risks. This session is appropriate for all involved with credit risk management. 

Key Learning Objectives:

  1. Learn how the bank can facilitate effective collaboration with all three lines of defense
  2. Understand how the third line can identify emerging risk trends using proactive risk practices and tools including:
    • Key leading indicators of risk
    • Portfolio analytics
    • Portfolio stress testing
    • Learn about real life examples that assisted institutions during COVID

  11:00am - 11:30am

Sponsor Showcase: OakNorth

By Order of the President, It’s Time To Get Your Climate Change Risk Management Together. Are You Ready?

Mark Levonian, Senior Advisor, McKinsey & Company
Bruce Richards, Chair of the Board of Directors, Credit Suisse Holdings (USA)
Jeremiah Norton, Managing Member, Chain Bridge Partners, LLC

On May 20th, President Biden issued an Executive Order on Climate-Related Financial Risk, setting a 120-day deadline for legislators to develop a comprehensive, Government-wide strategy regarding the measurement, assessment, mitigation, and disclosure of climate-related financial risk. In this session, we’ll discuss the strategy, what it means for banks and their risk teams and processes, and how they can turn this future challenge into their next big opportunity. 

Key Learning Objectives:

  1. What the Fed and other agencies are already doing with regards to climate change risk and the potential direction of travel
  2. Key challenges when it comes to climate change risk management and how to address them
  3. Being proactive rather than reactive when it comes to regulation around climate change risk

  11:30am - 12:00pm

Sponsor Showcase: AFS

ESG and Commercial Lending: Managing Risk on the Path to Growth

Derrick Wise, Director, AFSVision
Jeremy Chalson, Senior Business Analyst

Awareness continues to increase rapidly throughout the banking industry regarding the importance of environmental, social and governance (ESG) issues.  Normally it would take years for consensus to build on what the minimum bank reporting and transparency requirements will be; but the ESG agenda is moving forward unabated.  What will this mean for your bank’s commercial lending business?  How will ESG requirements affect your ability to manage risk?  What special data requirements will you need? Are green loans or sustainability-linked loans really that different than other corporate loans?

We invite you to join AFS at RMA’s 2021 Annual Risk Management Conference for an in-depth discussion of emerging views – and solutions – for ESG reporting.  AFS has been helping leading financial institutions with their commercial lending technology needs for over 50 years. Hear what your bank should be doing today to prepare for success and compliance in ESG lending.

  1:00pm - 2:00pm


Keynote - CRO Panel: Outlook 2022

Stephanie Bontemps, Exec VP/Chief Risk Officer, First Republic Bank
Clarke R. Starnes III, Chief Risk Officer, Truist Financial Corporation
Kevin Slane, EVP/Chief Risk Officer, Sandy Spring Bank
Mark Midkiff, Chief Risk Officer, KeyBank (Moderator)

The CRO's Outlook on the Industry 

Hear from a panel of top Chief Risk Officers as they discuss key trends in the industry and function. Topics include workforce issues, including remote work and managing a five-generational workforce; working effectively with the first and third lines; how automation and analytics can enable the risk team; and the importance of customer experience to risk management planning.

  2:00pm - 3:00pm

Are You Ready? CECL Adoption for Privately Held Entities 

Ian Dunn, General Manager – Portfolio Analytics, nCino 
Chris Stanley, Senior Director - Credit Acceptance SME, Moodys
Gilda Youdeem, Executive Vice President, Enterprise Risk Analytics Bank of California
Brooks Brady, Director of Credit Risk Analytics and ACL , Zions

Laurie Foster, Credit Risk Program Director – Team Lead, RMA (Moderator)

With the requirement to adopt CECL nearing, private entities can learn from those who have gone before them in adopting Current Expected Credit Loss standards. Learn where you need to be to meet the 2023 deadline; what you need to consider as you switch from the incurred method to CECL; differences in qualitative and quantitative factors; and the importance of parallel runs prior to completely switching to CECL.

Industry View: Commercial Real Estate

Vidya Vishal, Commercial Growth Leader, Equifax

Commercial real estate was among the hardest hit by COVID and its related changes. Is this sector starting to recover, and, if not now, when? In this session, you'll hear about which property types continue to be impacted, expected recovery periods, and the knock on effects of high construction costs and supply chain disruptions plus get tips on how to grow a commercial real estate portfolio today and in the future.

Internal Audit Session:

Auditing in a Digital World - Analytics/AI/Robotics/Automation

Chris Ononye, Chief Auditor Data Analytics and Credit Review, JPMorgan Chase
Jason Seeger, Audit Director, US Bank
Marc Sabino, Head of Innovation IA, Citi
Colleen McCullum, Senior Vice President, Capital One Audit

The pandemic has accelerated the advancement of technology in the financial services industry. With the sudden shift at the beginning of the pandemic to a remote workforce, there was a need to quickly adapt and accelerate the pace of technological innovation (e.g., Analytics; AI; Automation; and Robotics). 

This session will explore the opportunities and advancements Internal Audit functions have engaged from effective/dynamic risk assessments to having the tools and techniques for smart internal auditing as they continue to transform and modernize to accommodate to current and future environment. 

Learning Objectives: 

You will learn from this session the following key items:

  • Gain valuable insight into current / future technology enhancements that Internal Audit can employ to successfully address emerging risks as they plan, execute and report on their mandates.
  • Understand how Internal Audit functions have made technological advancements to adapt and position their functions as their organizations continue to evolve with a hybrid/virtual workforce.
  • Understand how modernization and transformation initiatives are critical to keeping pace with the velocity of change and risks and the future of Internal Audit; and
  • Explore how internal audit has embraced and transformed their functions to create an integrated view of risk and controls.

  3:00pm - 4:00pm

Neobanking: Competitor or Catalyst?

Philippa Girling, Chief Risk Officer, Varo Bank
Gabrielle Aryeetey, Chief Risk Executive, KeyBank
Joe Iraci, VP & Head of Enterprise Risk and Audit, Robinhhood Markets

Neobanks are often considered an emerging risk for traditional banks but are they just as much a catalyst for change as a competitor? In this session, we’ll discuss how neobanks compete for clients and staff but also how their focus on customer experience, new products, and cutting edge digital delivery can provide their traditional counterparts inspiration to change and new ideas for the path forward.

Finding A New Normal: Consumer Debt

Pankaj Seth, Executive Vice President - Chief Consumer Credit Officer & Head of Enterprise Risk Intelligence, Bank of the West
George Buchanan, CRO Consumer and Wealth Management, Regions Financial Corporation

Government stimulus packages to address the great financial distress of the COVID era have had wildly different impacts on debt. Whether the decrease in credit card debt or the spate of new mortgages, the long-term effect of stimulus money on consumer debt is still being sorted out. Does this foreshadow new consumer behaviors or is a different new normal upon us? Discuss recent trends and provide actionable insights for Members.

Internal Audit Session:

Auditing Commercial and Consumer Lending and Credit Risk Management in Times of Disruption and Uncertainty

Laurie A. Foster, Credit Risk Program Director - Team Lead, The Risk Management Association (Moderator)
George Buchanan, CRO Consumer and Wealth Management, Regions Financial Corporation
Michael Ankrom, Managing Director and Enterprise Credit Risk Executive, Bank of America
Stephanie Richard, Chief Audit Executive, Ally

Commercial and Consumer Lending (1st line of defense) and Commercial and Consumer Credit Risk Management (2nd Line of defense) have been on a roller coaster since the pandemic took hold in March 2020. With the recovery now on the horizon, a panel of CCO’s and Internal Auditors will discuss implementing the agile environment needed to address the pandemic’s impact on the borrowers and their organizations and what they overcame to set the path forward to 2030. 

Learning Objectives:  

The objectives of this session are to learn and understand the components and key risks for Auditing Commercial and Consumer Lending and Credit Risk Management, including:

  • Impact that COVID-19 had on the following:
    • Clients financial reporting.
    • Stimulus support and how it impacted the early anticipated risk in NPL’s, unprecedented covenant defaults, downgrades, and deferments.
    • Elements of CECL challenges of implementation, challenges of model validation or confidence with overlaying qualitative factors to address the various forecast scenarios on unemployment, and PD and LGD
    • Risk grading challenges, regulatory impact and interaction, appraiser shortages.
    • As the Commercial and Consumer lending and risk world continue to evolve, we will explore the Internal Audit/ML factors that could further impact lending and credit decisioning processes.
  • Emerging risks such as climate, DEI, and cyber and fraud.


  4:00pm - 5:00pm

Industry View: Energy, Oil & Gas

Even in an industry known for booms and busts, the ride the energy industry went on in the last year can only be described as a rollercoaster. As the COVID crisis continues and action on climate change increases, how will the industry change? A panel of financial services experts focused on energy discusses the industry’s overall impact on the economy, how COVID affected it, and how climate change action may have an even bigger impact.

Industry View: Healthcare

For the healthcare industry, COVID was more personal than for most of us. In this session, healthcare credit officers discuss how the last 18 months has impacted asset classes from hospitals to private practice, both financially and psychologically and offer their thoughts on when the industry will move into recovery. Which asset classes are subject to the highest risk factors and what can we expect to see in the next three years?

Internal Audit Session:

Three Lines of Risk Management – Today, Tomorrow, and Future Possibilities

Paulette Mullings Bradnock, Chief Audit Executive, BNY Mellon
Emma Bredin, Global Chief Compliance and Ethics Officer, BNY Mellon
Ben Genek, Chief Risk Officer, Diawa capital Markets America Inc.
Justin Windschitl, SVP & Chief Risk Officer Consumer & Business Banking, US Bank
Rick Magliozzi, Managing Director, Protiviti (Moderator)


WEDNESDAY, October 27:

Regulation – Navigating Today’s Requirements and Those to Come

  10:00am - 10:30am

Sponsor Showcase: Equifax

Equifax CRE Tenant Risk Assessment Portfolio and Demo

Julia Roberson, Fintech & CRE Tech, Equifax
William Doxey, Product Manager, Commercial Risk, Equifax

Equifax is excited to share our leading portfolio of CRE Tenant Risk Assessments with RMA and this year's virtual attendees.  Please join us to learn more on how to assess the financial health of your tenants, how to recognize risk, and the opportunity to find a simple solution to many complex challenges.

  11:00am - 11:30am

Sponsor Showcase: Wolters Kluwer

Optimizing Balance Sheets and Leveraging Risk to Improve Financial Performance

Bill Collette, Managing Director, Wolters Kluwer Financial Services Solutions

Now, more than ever, banks have a renewed desire to optimize the performance of their finance functions. In this session, we will focus on how optimizing the budgeting, forecasting and performance management functions can ensure an accurate, transparent, and controlled process that will ultimately drive consistent measurement and empower accountability at all levels of decision making. 

Key Learning Objectives:

  1. Integrate forward looking metrics into planning
  2. Balance financial and regulatory risk
  3. Offset margin compression
  4. Manage portfolio risk
  5. Drive accuracy into your business forecasts

  11:30am - 12:00pm

Sponsor Showcase: nCino

Intelligent Enterprise Demo

Brian Leatherman, Principal Product Specialist, nCino

Supercharging the nCino Bank Operating System®, nCino IQ (nIQ), leverages artificial intelligence (AI), machine learning and analytics to empower financial institutions with data-driven insights and intelligent automation. Join us for a session demonstrating tangible ways institutions can utilize nCino and nIQ products and features to enable automation and intelligence within the bank. From automating analysis to on-platform pricing optimization, you will get an in-depth view of nCino's latest innovations and how they can be leveraged within the commercial bank. 

Key Learning Objectives:

  1. Learn now nCino utilizes machine learning and optical character recognition (OCR) to automatically interpret and extract data from financial statements, reducing spreading time up to 75%
  2. Learn how nCino is helping institutions fully digitize the credit analysis process to further increase speed and convenience
  3. See how intelligent automation improves financial spreading consistency and minimizes errors
  4. Watch how nCino has embedded pricing and profitability into the loan origination process to experience the power of on-platform

  1:00pm - 2:00pm


Keynote - A Fireside Chat with OCC Acting Comptroller Michael J. Hsu

Nancy Foster, President & CEO, RMA
Michael Hsu, OCC

RMA’s CEO Nancy Foster chats with Acting Comptroller Michael J. Hsu on his priorities for the industry which include: guarding against complacency, reducing inequality in banking, adapting to digitalization, and acting on the risks posed by climate change. Where should bankers and regulators focus their attention as the pandemic continues? What could the next 10 years look like, considering new technology, new fintech entrants to the banking system, and the role of cryptocurrencies?

Plenary Session


  2:00pm - 3:00pm

Passing the Test: Community Bank Regulatory Exams During Covid and Beyond

Lexie Garrison, Chief Credit Officer, Valliance Bank
Darryl Fess, President & Chief Executive Officer Brookline Bank
Christopher Colella of Commercial bank of California

Community bankers discuss their experiences with regulators during COVID and what the future holds. Sharing findings from the 2021 Community Bank Regulatory Survey, community bank leaders will share lessons learned during the last two years and how bankers can apply them to their institutions.

Modeling Risk Appetite: The Impact of Covid

How has COVID impacted risk models today and in the future? With assumptions turned upside down, many models are not performing as planned. How do banks address model breakdown with regulators and others? Will they decrease reliance on certain types of models or explore model adjustments in new ways? This panel of modeling experts discusses how to develop and manage models in an uncertain future.

Internal Audit Session:

Cybersecurity - The Rise of Nation States and Cyber Attacks Against Financial Markets

Tim Ryan, Managing Director of Adherence, Shelter Harbor (Moderator)
Michael Chertoff, Co-Founder and Executive Chairman, The Chertoff Group
N. MacDonnell Ulsch, Founder of The China 863 Analyst, MacDonnell Ulsch Cyber Advisory LLC

Join this session to learn why Internal Auditors need to understand how Cyber-threats and network vulnerabilities pose complex risks that reach into new areas for global financial markets. This session looks at several areas related to cyber-threats and critical financial infrastructure. 

  3:00pm - 4:00pm

Hope for the Future? Can AI and Automation Help Solve AML/BSA Issues?

Nicole Booth, Director – Analytics & Insights, Elliott Davis
Becky Robertson, Director AML/BSA, Atlantic Union
Rebecca Schauer Robertson, SVP Director Financial Investigations Unit, Atlantic Union Bank

Many times the terms AI and RPA are used collectively, giving the impression these two processes are one in the same when in fact, they aren’t at all.  During this session the speakers will touch on the differences between AI and RPA, the benefits of deploying RPA, and how AI compliments an AML Program.  Now more than ever with technology being a key component of the AML Act of 2020, understanding where AI and RPA can be leveraged to enhance programs from reactive to proactive will be critical. 

Chief Operational Risk Officers, Chief Risk Officers, Compliance Officers/Managers, BSA Officers, OFAC Officers, Model Risk Managers, Regulators/Examiners won’t want to miss this informative session.

Session Learning Objectives:

  • Understand the differences between AI and RPA
  • Ways to leverage AI and RPA into an AML Program
  • AML Act 2020 expectations for integrating technology

Small Business Lending: Trouble and Glory

Small business were among some of the hardest hit parts of the economy during COVID. Learn how the experiences of the last 18 months are affecting small business owner behaviors; the effects of PPP on this borrower; and who is likely to recover in 2022.

Internal Audit Session:

Regulatory Panel

Eugenia Jocoby, National Bank Examiner, Office of the Comptroller of the Currency


  4:00pm - 5:00pm

Concentration and Portfolio Management: How Does a Strong CPM Framework Aid a Banks Overall Risk Appetite

Has the COVID era, with its influx of government funds, changed key factors of CPM? And how should institutions prepare for a future with less government stimulation? In this session, you'll learn about improving CPM at your bank, regardless of your stage in implementing it; how to tighten CPM across all asset categories; and whether the COVID era will have a long-lasting impact on portfolio management.

Industry View: Hotels & Restaurants

The hospitality industry was one of the hardest hit by the pandemic. A panel of industry experts discusses winners and losers, the outlook for the near and longer term future, and the status of portfolios. Will there be more casualties in 2022 and beyond? Join us to find out.

Internal Audit Session:

Emerging Regulatory Topics and Their Impact on Internal Audit

Rich Reynolds, Partner, PwC (Moderator)
TJ Haynes - Morgan, Chief Audit Executive, Raymond James
Gilbert Gitiche, Chief Audit Executive, USAA
Denise DeMaio, Chief Audit Executive, MUFG Union Bank., N.A.

The focus of the session will be built firmly on the regulatory guidance for the financial services industry, and understanding Internal Audits roles and responsibilities related to some of these emerging regulatory topics (including environment, social and governance (ESG) and other relevant topics discussed in the Regulatory Panel session. 

Learning Objectives:  

The objectives of this session are to learn and understand the components and key risks including:

  • Identifying and discussing the impact of emerging regulatory topics from an industry and Internal Audit perspective; and
  • Sharing varying approaches Internal Audit can utilize in addressing coverage of these emerging regulatory topics.


THURSDAY, October 28:

Your Business – Winning in the New Marketplace

  10:00am - 10:30am

Sponsor Showcase: Spinnaker Consulting Group

Risk and Data: Better Together in Driving Data Excellence Cultural Transformations

Stephanie Lennon, Principal, Data and Analytics, Spinnaker Consulting Group
Cara Williams, Principal, Risk Management and Regulatory, Compliance Practice, Spinnaker Consulting Group

From front line data collection to C-suite decision-making, nearly every member of your bank is a data producer and/or data consumer. The problem arises when associates don’t think about their role in data management, introducing risk and exposing your organization to regulatory scrutiny. As data becomes recognized as mission critical, banks hire and charge their Data Officers to lead cultural transformations centered around the vitality of high-quality data and the role each individual plays in its creation and usage.

To navigate this transformation, banks must consider their data transformations on both the risk governance and data management dimensions. Change management is crucial in the journey to a well-governed, data-driven organization. Join Spinnaker Principals Cara Williams (Risk Management) and Stephanie Lennon (Data & Analytics) as they explore what an effective partnership looks like and how these two functions of the business can collaborate to ensure its future in a data-rich world. 

Key Learning Objectives:

  1. The value of collaboration between risk and data leaders
  2. The importance of change management as CDOs lead cultural transformations
  3. Why data process excellence is a smart priority

  11:00am - 11:30am

Sponsor Showcase: InfoAgora

Managing Evolving Risks In Credit Portfolios Post Pandemic

Grigoris Karakoulas, President, InfoAgora Inc.

The speed, severity and uncertainty of the pandemic induced recession has revealed gaps in pertinent data, economic scenarios, and risk assessment models for portfolio management. Furthermore, the asymmetric recovery for certain industries and asset classes requires credit portfolio managers to go deeper into borrower financials and business models using resilience indicators and scenario analysis in order to more accurately estimate and price risk. While the above refer to credit risk, the extreme weather phenomena of the last decade have elevated the importance of an evolving type of risk, the climate-related financial risk. 

Thus, in this presentation we will first illustrate how to develop relevant scenarios for consistently measuring credit risk across use cases, from credit risk assessment and stress testing to business planning. We will then analyze the transmission channels of climate risk to financial risk in general and credit risk in particular, and show how to extend the above scenario analysis framework for assessing the resilience of a portfolio and bank to climate-related financial risk.

Who should attend: The target audience includes C-suite executives, risk officers and portfolio managers of community banks. The presentation will help them to: (i) improve their portfolio management; (ii) more accurately estimate and price credit risk; (iii) assess the resilience of a portfolio and bank to climate-related financial risk. 

Key Learning Objectives:

  1. Closing gaps in portfolio management and enhancing it with resilience indicators and scenario analysis
  2. A scenario analysis framework for consistently measuring credit risk across use cases
  3. Extending the framework to analyze the resilience of a portfolio and bank to climate-related financial risk.

  11:30am - 12:00pm

Sponsor Showcase: Credit Risk Navigator

Benchmark Your Bank's Credit Risk Performance Against Peers

Tom Cronin, Manager, Business Intelligence, AFS
Carly Edmondson, Sr. Product Manager, RMA

Measuring your commercial loan performance is necessary during any part of the economic cycle and even more critical during periods of stress. Understanding how your portfolio stacks up against other banks can help you adjust your strategy. Come see how RMA Credit Risk Navigator makes this easy through customizable dashboards. Presented by Tom Cronin of AFS, we will be showing a variety of use cases in this showcase.

  1:00pm - 2:00pm


Keynote - Transformative Leadership: The Necessity of Our Time

Charlie Scharf, CEO at Wells Fargo


  2:00pm - 3:00pm

Third Party Risk: A First Party Priority

Linda Tuck Chapman, Chief Executive Officer, Third Party Risk Institute Ltd. (Moderator)
Matthew Buskard, VP, Director,  Enterprise Risk Management, Fifth Third Bank
George Ketis, Head, Procurement, GTPRM, Governance, Risk, Control, Compliance, BMO Financial Group
Christe Smith, Director Third Party Risk, Bank OZK

The pandemic and other episodes, such as the Suez Canal blockage, have shown how much of an impact third party risk can have on institutions and their customers. This panel of experts on supplier risk discusses how institutions can begin to get a handle on vendor risk and the outlook for third party risk in an era of increasing outsourcing.

Culture & Communication in the COVID Era

Larry O'Brien, Chief Learning Officer, Mendoza + O'Brien, LLC
Aprille Savarese, Executive Vice President Risk Management, Zions Bank

Kent Belasco, Director-Commercial Banking Program, Marquette University

With the COVID crisis in year two and employers beginning to adopt new working models, how do you adjust your workplace culture in a way that resonates with employees and customers alike? This session will focus on how mid-tier banks can ensure messages cascade, and support systems are aligned with strategy in an era where many are working from home and employee turnover is higher than in the past. In addition, the session will share insights into how to develop and retain the generation of bankers.

Internal Audit Session:

Managing the Impact of the Pandemic on Financial Crimes

Vikas Agarwal, Partner, PwC (Moderator)
Michael DeNicola, Special Agent Cyber Division, FBI
Satish M. Kini, Partner, Debevoise & Plimpton

Margaret McLaughlin, Managing Director, Head of Prof Practice, Issue Assurance and Reg. Engagement, UBS

Join this session to learn how institutions are managing the impact of the pandemic on their fraud / cybercrime risk profile. 

Internal Audit Session:

Cryptocurrencies and Digital Assets

Markus Veith, Partner, Grant Thornton (Moderator)
A Michael Smith, Chief Audit Executive, Nasdaq Inc.
Lory Kehoe, Global Director, Digital Assets & Blockchain, Advanced Solutions, BNY Mellon
Hubert Recana, Senior Manager, Citi


  3:00pm - 4:00pm

Model Validation of AI/ML Models - A Data Centric Perspective

Kevin Oden, Managing Partner,  Kevin D. Oden & Associates (Moderator)
Ege Gurdeniz, Principal at Oliver Wyman Digital and Financial Services
Chris Brophy, Senior Principal Industry Consultant – Banking at SAS Institute
Augs Sudjianto, Executive Vice President and Head of Corporate Model Risk, Wells Fargo

Given the increasing access and availability of traditional and non-traditional data for financial modeling, the challenges of appropriately managing the use of data throughout the model lifecycle are increasingly difficult. From a model validation perspective, one of the key elements SR-11-7/OCC 2011 requires is the review and support of data appropriateness, data integrity on an ongoing basis and support for the processes related to ongoing data sustainability. We will review and discuss approaches for ensuring data lineage risk management is strong, methods for reviewing and assessing preprocessing are sound and there are appropriate policy and procedures related to feature engineering. We will also discuss how to review and assess data de-biasing techniques and more.

DEI as a Strategic Imperative

Dr. Julia Metcalf, Executive Director, Human Resources, USAA (Moderator)
Bruce McDougal, Managing Director, Legal & Compliance, BlackRock
Clara Green, EVP, DEI, Regions Bank
Betty Huber, ESG Co-Head, Davis Polk & Wardwell

Over the last 18 months and numerous episodes of social injustice, the topic of Diversity, Equality, and Inclusiveness has bolted to the top of the agenda for financial institutions. How does this priority fare against others, and how do institutions address seemingly intractable diversity issues? A panel of experts offers tips on implementing a strong DEI strategy, measuring its success, and connecting it to other top organizational priorities.

Internal Audit Session:

Modernization and Transformation of Internal Audit Practices

Jason Towne, Chief Audit Executive, Citizens
Diana Pagliarini, Chief Audit Executive, State Street
Brian Goldwater, Audit Director, M&T

Eric Cahn, Managing Director, Internal Audit strategy, Methodology, and Tools, JP Morgan Chase


  4:00pm - 5:00pm

Plenary session

Closing Plenary and Award Ceremony


FRIDAY, October 29 – 2021 RMA Women in Risk Summit

  1:00pm - 2:00pm

From Glass Slippers to Glass Ceilings, Shattering Limitations to Lead

Moderator: Jennifer A. Docherty, Managing Director and Associate General Counsel of Piper Sandler & Co. Co-founder of Bank on Women 


  • Nancy Foster, CEO, RMA
  • TJ Haynes-Morgan, CAO, Raymond James
  • Terrie Spiro, Founding Member, Bank on Women/Chairman and CEO at TNP, Financial Enterprise Consulting, LLC

Hear about the barriers that these great women leaders confronted and learn what they did to overcome challenges while advancing their organizations. From glass ceilings to glass cliffs, listen and learn as these accomplished women who made it to the top share key aspects of their impressive journey.


  2:00pm - 3:00pm

Attracting the Next Generation of Risk Leaders

Moderator: Andrea Little Limbago, VP Research and Analysis, Interos


  • Erika Crandall, CCO and Head of Risk, The Reserve Trust
  • Colleen McCullen, SVP Head of Audit Strategies, Capital One National Association
  • Hema Parekh, Principal Examiner/Senior Professional, Federal Reserve Bank of Richmond
  • Jenn O'Reilly, Enterprise Risk Management, First Republic Bank


  3:00pm - 4:00pm

Mentorship - The Roles of Mentors and Mentees in Your Career Journey 

Moderator: Tamela Merriweather, Sr. Vice President & Assistant General Counsel, Northern Trust


  • Monica Bowe, CRO, Busey Bank
  • Lisa Broomer, Head of Operational Risk, Measurement, Chase
  • Danielle Do, SVP, Chief Corporate & Securities, Counsel, Synchrony Financial

You can accomplish a lot through your performance but to really take your career further - it's essential to develop relationships with colleagues across all levels of an organization and cultivate valuable coaches, mentors and advocates.

Advocacy is the ultimate form of mentorship. Those further in their careers can advocate for you, use their political capital within, and occasionally outside the organization, to help you advance your career.


  4:00pm - 4:30pm

Developing An Authentic Executive Presence

Grace Jackson, PWM, Regions
Stephanie Bontemps, CRO, First Republic
Stephanie Richard, Chief Audit Executive, Ally Financial

How you present yourself at work can help you get - and keep - a seat at the table. But how do you develop an executive presence that feels like you. In this session, our panel of practitioners share their experiences in developing and maintaining an authentic executive presence, including how you communicate, influence others, and show your engagement.

Planning the Journey: How to Make Strategic Career Decisions

Melissa Kaplan, SVP, Head of Total Rewards, Kemper
Ann-Margaret Sumnar, Huntington
Avani Parekh, Enterprise Risk, TD Bank

It’s Not All Roses: Facing Workplace Challenges

Azlina Wetmore, Strategy, Capital One
Heidi Andrion, Head of Credit Review, Capital One
Ann Diver, Deputy General Auditor, Depository Trust Clearing Corporation (DTCC)

Conflict and down times at work are inevitable. But we can choose how we approach the challenges. In this session, learn how to approach challenges with grit and resilience, and how to grow stronger in the process


  4:30pm - 5:00pm

Building Your Brand: Showcasing Your Strengths

Melinda Davis Lux, General Counsel, United Community Bank
Jenny Senecal, Deputy Chief Credit Officer, Bell Bank