2017 FALL COMPLIANCE CONFERENCE

NOVEMBER 29, 2017Grappone Conference CenterConcord, NH

2017 FALL COMPLIANCE CONFERENCENOVEMBER 29, 2017 | GRAPPONE CONFERENCE CENTER, CONCORD, NH

PRELIMINARY AGENDA8:30 AM - 9:00 AM REGISTRATION AND CONTINENTAL BREAKFAST

Sponsored by NEACH

9:00 AM - 9:05 AM WELCOMESandy Tracy, SVP/COO, NH Bankers

9:05 AM - 10:05 AM WHAT’S HAPPENING IN WASHINGTONDenyette DePierro, VP & Senior Counsel, Center for Payments & CybersecurityAmerican Bankers Association (ABA)

An update from DC on Dodd-Frank implementation, bank regulations on the back burner, leadership at the banking agencies, cybersecurity and fintech.

10:05 AM - 11:05 AM BANK SECRECY ACT Brian Shea, CRCM, CAMS, Regulatory Compliance Senior ManagerWolf & Company, PC

Hot Topics presentations are designed to help you prepare for what is coming up as well as highlight some areas where we are seeing increased focus by the regulators. With the new BSA Beneficial Ownership rule compliance date coming in May 2018, Brian will spend some time guiding you through what you should be doing now to prepare for the change. He’ll also be spending some significant time-sharing insight as to what the examiners are focusing on. Currently, these areas include:

• Usage and methodologies over BSA automated software• Due diligence related to third-party payment processors and marijuana-related

business• High risk customer reviews• OFAC verification thresholds• Human trafficking red flags

The penalties that could be handed down can do damage both financially and to your institution’s reputation. Make sure you join us to stay on top of these trending concerns.

11:05 AM - 11:15 AM MORNING BREAK

11:15 AM - 12:15 PM SUCCESSORS IN INTEREST OF THE LOAN SERVICING RULEAshley Hutto-Schultz, Senior Associate - Hogan Lovells US LLP

One of the most significant elements of the recent amendments to the existing mort-gage servicing rules is the new structure for dealing with potential and confirmed successors in interest. Full compliance with the new rule will require significant efforts, regardless of a servicer’s size. One of the more time-intensive and costly requirements is the burden that is placed on each servicer to determine what documents it can reasonably require to confirm a potential successor in interest’s status.

A challenging aspect is the documentation that may be requested of a potential successor. While the policy and procedure requirements do not apply to a “Small Server”, the request for information provisions do apply regardless of an entity’s size. Documentation requirements for the confirmation process will therefore apply to all mortgage servicing entities.

2017 FALL COMPLIANCE CONFERENCENOVEMBER 29, 2017 | GRAPPONE CONFERENCE CENTER, CONCORD, NH

PRELIMINARY AGENDA (CONTINUED)

12:15 PM - 1:00 PM LUNCH

1:00 PM - 2:00 PM TRID UPDATELaura SteerCAPCO

Are you ready for the new rules effective in October 2018? A review of the existing rules with emphasis on the final amendments that will be mandatory beginning October 1, 2018. Also, pros and cons of early compliance with the rules (Optional October 2017).

2:00 PM - 3:00 PM COMPLIANCE MANAGEMENT SYSTEMS AND THE NEW CONSUMER COMPLIANCE RATING SYSTEMDean Stockford, Senior Vice PresidentM&M Consulting

Banks will need to transform the compliance department’s role from advisory to one that puts more emphasis on active risk management and monitoring to providing an independent oversight of the control framework; Transparency into residual risk and control effectiveness: Will the new approach be focused on residual risk exposures and critical process breakpoints?; and integration with the overall risk-management governance, regulatory affairs, and issue-management process will all be discussed.

3:00 PM - 3:30 PM HMDA READINESS FOR HMDA REPORTERS & DATA INTEGRITY FOR NON-HMDA REPORTERSAshley Hutto-Schultz, Senior AssociateHogan Lovells US LLP

Since the new HMDA rule was finalized by the CFPB, much has been discussed, planned, negotiated and clarified. We will go over a list of the top issues in HMDA readiness to help navigation of the new requirements. Information on prequals vs pre-approvals will be included. Also included in the discussion will include Implementation plans, what a successful validation process looks like operationally; Action Taken scenarios and dates; and GMI Collection and reporting 2017 and 2018, including for banks that will be required to report in 2018 which were not reporters in 2017

3:30 PM CONFERENCE ADJOURNS

2017 FALL COMPLIANCE CONFERENCENOVEMBER 29, 2017 | GRAPPONE CONFERENCE CENTER, CONCORD, NH

REGISTRATION

REGISTRATION FEE: $199.00 per Banker/FTC/Associate Member ($400 non-member)

How to register:

• Register online at www.nhbankers.com under the Upcoming Events section to pay by credit card or generate an invoice for payment or

• Email completed registration form below to lnaro@nhbankers.com, then mail with payment to NH Bankers, PO Box 2586, Concord, NH 03302-2586.

Please register by Monday, November 20, 2017.

MEMBER ORGANIZATION:

CONTACT:

PHONE:

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Name (include Nickname) Email Address Reg. Fee

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NHBA Cancellation PolicyRegistrations may be canceled prior to Monday, November 20 by notifying the NHBA office at (603) 224-5373. Refunds are subject to a $25 per person fee. Any cancellations received after November 20 are not refundable but are transferable to another individual from your bank who wishes to attend this conference. All registrations received by fax, email or online are subject to this policy.

Consent to Use of Photographic ImagesRegistration and attendance at, or participation in, NHBA meetings and other activities constitutes an agreement by the registrant to the NHBA's use and distribution (both now and in the future) of the registrant or attendee's image or voice in photographs, videotapes, electronic reproductions and audiotapes of such events and activities.

Due to Omnibus Budget Reconciliation Act of 1993, $39 (meals) is not deductible as a cost of doing business.