September 10 - 12, 2008
The Wynfrey Hotel
Birmingham

• Registration Form

• Program Schedule

What's New This Year
New this year is a series of current and pending changes, and the program has been arranged to consolidate topics by areas of interest. For example, day 1 includes a general session discussion of many of these issues, followed by a series of detailed analysis presented by topic. Day 2 encompasses consumer lending and deposit/operations “fundamentals” sessions, opposite a variety of lending, and fair lending related subjects. Day 3 is focused on CRA, commercial lending compliance, and management issues, such as managing the regulatory exam and managing compliance risk through lines of business.

As in past years, there are also different educational tracks to provide opportunity for attendees to choose which session is best suited to their individual needs.

• Those who are new to compliance or looking for a “reg-refresher” will find value in the “Foundations” track – focusing on understanding and applying the regulations to day-to-day challenges. On day 2, and back by popular demand, the Foundations track focuses on Lending Compliance basics, exploring sessions on consumer and real-estate-related compliance topics. Also by popular demand, we’ve added several deposit basics as well.
• In addition to basic or refresher knowledge about the regulations, there’s a track devoted to “What’s Hot in Managing Emerging Compliance Risk”, which will discuss emerging issues and how to identify and mitigate certain regulatory risks, along with valuable “how-to’s”.

Best of all, the program offers a unique and recurring opportunity for peer exchange. Some Alabama compliance professionals have attended every year, while others have discovered the event only recently. Sharing experiences among peers and applying “lessons learned” from presenters has contributed to the continuing “value-added” success of the program. This combination has made the “take-away” benefits invaluable.

Who Should Attend
All compliance and regulatory risk officers, compliance support staff, examination liaison personnel, legal, audit/review managers and staff, operations specialists, those involved with lending and deposit-related compliance functions, BSA/AML specialists, fraud investigators and security specialists, and any members of the Compliance Committee. The seminar is designed for those with various levels of experience – from those with new compliance assignments to supervisors to experienced veterans; for first-timers or those needing a little refresher or “exam-prep”.

Program Highlights
There are many new sessions on late-breaking news and current events

• Final Truth in Lending rules and the impact on HMDA
• Final E-banking rules for Internet Compliance
• Nontraditional mortgage products and subprime enforcement
• Fair lending challenges and compliance enforcement
  
• Emerging issues in BSA risk
  
• In depth analysis of the FFIEC BSA examination and enforcement procedures
  
• Recent BSA Rulings and enforcement, especially relating to program adequacy
  
• Guidance on predatory lending and sub-prime mortgages
  
• Impact and best practices related to the analysis of HMDA data
  
• Updates to CRA and changes to bank performance evaluations
  
• FACT Act – identity theft red flag program rules and expectations
  
• Fair Credit Reporting examination procedures
  
• Impact of changes to the Flood booklet and pending changes to the National Flood Insurance Program & enforcement
• Developments in e-banking and what’s hot in e-payment compliance
  
• State specific regulatory and legislative issues
  

There are insights from key people at both national and regional perspectives:

• The Director of the American Bankers Association’s Center for Regulatory Compliance, Richard Riese
  
• National, regional and local representatives of each banking regulatory agency
  
• Nationally recognized “gurus” of bank compliance, including bankers, consultants, and practitioners

The program offers a hands-on, “boots-on-the-ground” approach to compliance rather than philosophical or political debate of the issues. This has become a welcome aspect of the presentations, providing opportunity for peer exchange and shared “how-to” knowledge.

• Timely analysis of crisis management – exams, money laundering enforcement, flood insurance revisions, electronic banking, protecting customer privacy, community investment opportunities, and compliance aspects of disaster planning and recovery
• Emerging issues in traditional compliance problem areas – RESPA, BSA, CIP, CRA, HMDA, fair lending & enforcement of truth-in-lending, audits, product risk and effective management and testing
  
  

Added Benefits

• Every attendee receives an extensive manual of program materials. This is both a teaching tool and take-home reference.
• Each attendee will receive a certificate of attendance.
• And as always, time will allow for informal, one-on-one visits with the speakers and presenters, including all the regulatory representatives in attendance.

As managers and compliance professionals, we recognize the continuing pressure to achieve success and to respond to failures. We continue to look for ways to work smarter and more effectively, and to generate the desired results. This program will provide more value-added cost-benefit than any seminar of its kind. Judging by last year’s success, it was among the largest and most varied and wide-ranging ever. Join your friends and colleagues this year for the state’s best known and longest running continuous statewide compliance educational event.

Seminar Leader
Phillips G. Gay, Jr., CRCM, CRP, CAMS is Senior Vice President at the Commercial Bank of Florida, in Miami, and President of the Compliance Advisory Service in Coral Springs. Before this, he managed the Compliance/Community Reinvestment Act programs for the Bank of North America, and for First Union Corporation. He is a founding partner and senior advisor of the Paragon Compliance Group. Phil attended the University of Alabama and Florida State University, earning a Bachelor of Science in Management and Business Administration. He is a High Honors graduate of the School for Bank Administration at the University of Wisconsin and National Graduate Compliance School and has served on their faculties. He holds the designations of Certified Regulatory Compliance Manager, Certified Risk Professional, and Certified Anti-Money Laundering Specialist.

Certificates
Certificates are provided to those individuals who attend the program in its entirety. Therefore, certificates will not be available to the attendees until after the final session on the last day.

Additional Information
Schedule: Registration will be from 8:00 p.m. - 9 p.m. on Tuesday night and at 8:00 a.m. on Wednesday. Seminar hours are from 9:00 a.m. until 5:30 p.m. on Wednesday and Thursday and from 9:00 a.m. until 12:00 p.m. on Friday.

Accommodations
Participants are required to make their own reservations. The seminar hotel is The Wynfrey which is located in Birmingham. The room rate is $132 for a single or double room. Please reference The Alabama Bankers Association room block to get the group rate. To make reservations, call The Wynfrey at (205) 987-1600 or (800) 996-3739. The cut off date for room reservations is August 12, 2008. After August 12, 2008, reservations will be accepted on a space available basis. To make hotel reservations online, go to www.wynfrey.com and use the ABA Group code of 1AM4P8.

Cancellation and Refund Policy
Full registration fees will be refunded if a cancellation is received on or before September 1. After September 1, a $100 processing fee will be retained. No refunds will be given the day of the program. Substitutions are welcome. All cancellations and substitutions must be received in writing via email or fax.

More Information
Dress for the seminar is business casual. To ensure your comfort, please bring a jacket or sweater. If you need additional information, please contact The Association office at (334) 834-1890 or via email at info@alabamabankers.org.