What sets The FMS Forum apart from other industry events is the renowned education program. With education selected BY and specifically FOR community bank and credit union professionals our schedule is packed full of today's most relevant topics and industry trends.


*As of March 16, 2017 - Subject to Change

Friday, June 23
6:00 PM - 8:30 PM  FMS Board of Directors Reception and Dinner (By Invitation Only)
 Saturday, June 24
8:00 AM - 12:00 PM  FMS Board of Directors Meeting (By Invitation Only)
12:00 PM - 1:00 PM  FMS Board of Directors, Chapter Officers, and Advisory Councils Luncheon (By Invitation Only)
1:00 PM - 2:00 PM  Joint Chapter Officers - Advisory Councils Meeting (By Invitation Only)
2:00 PM - 3:00 PM  Chapter Officer Roundtable (By Invitation Only)
2:00 PM - 3:00 PM  Advisory Councils Roundtable (By Invitation Only)
2:00 PM - 5:00 PM  Registration Open
 Sunday, June 25
 7:00 AM - 7:00 PM
 Registration Open
7:00 AM - 1:00 PM  FMS Golf Outing at Bear's Best (Additional registration required)
2:00 PM - 5:00 PM  CFO Roundtable (By Invitation Only)
 5:30 PM - 6:30 PM  Newcomers Reception (By Invitation Only)
 6:30 PM - 8:00 PM  Welcome Reception (Sponsored by IZALE Financial Group)
Monday, June 26
7:00 AM - 7:00 PM Registration Open 
  7:00 AM - 7:45 AM
Networking Breakfast in the FMS Marketplace
  8:00 AM - 9:00 AM
Welcome Remarks and Opening General Session
   Relationship Revolution: Elevate Your Value to Address the Needs of your Customers Today and Tomorrow
   Seth Mattison, Founder and Chief Movement Officer, FutureSight Labs
 9:15 AM - 10:30 AM
Breakout Sessions
 10:30 AM - 11:30 AM Networking Refreshment Break in the FMS Marketplace
 11:45 AM - 12:45 PM Breakout Sessions
 1:00 PM - 2:00 PM Annual Business Meeting and Awards Luncheon
2:15 PM - 3:30 PM Breakout Sessions 
3:30 PM - 3:45 PM Refreshment Break 
3:45 PM - 4:45 PM Breakout Sessions
4:45 PM - 6:00 PM Happy Hour in the FMS Marketplace  
6:30 PM - 9:00 PM  Past Chair's Reception and Dinner (By Invitation Only)
Tuesday, June 27
7:00 AM - 5:00 PM Registration Open 
7:00 AM - 7:45 AM Networking Breakfast in the FMS Marketplace
 8:00 AM - 9:00 AM Opening Remarks and General Session
   James Johannes, Director, Puelicher Center for Banking Education and Director, Office of Education, UW - Madison
 9:15 AM - 10:30 AM
Breakout Sessions
10:30 AM - 11:00 AM Networking Break in the FMS Marketplace
11:00 AM - 12:00 PM Breakout Sessions
12:00 PM - 1:30 PM Bank and Thrift Accounting and Regulatory Update and Luncheon
 12:00 PM - 1:30 PM Credit Union Accounting and Regulatory Update and Luncheon
1:30 PM - 2:30 PM Networking and Dessert in the FMS Marketplace
2:30 PM - 3:45 PM Breakout Sessions
3:45 PM - 4:00 PM Refreshment Break 
4:00 PM - 5:00 PM Breakout Sessions

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Program Overview
 Shortcuts by Topic Area:
How to Improve Your Liquidity Position
Joe Kennerson, Manager of Client Services, Darling Consulting Group

Loan growth is outpacing deposit growth resulting in loans now becoming a higher percentage of total assets. With wholesale funding levels increasing, liquidity is under pressure. Using real life case studies, Joe will address and review the changing liquidity landscape and newest trends facing our industry He will also explain the elements critical to your liquidity reporting and what you should be doing to develop a “best practice” approach in liquidity management.

Non-Maturity Deposit Modeling: Leading Practices
Tom Bowers, CFA, Managing Director, ZM Financial Systems, Inc. 

Developing appropriate deposit assumption inputs to support interest rate sensitivity measurement for earnings and EVE is a key responsibility of ALM governance.  Join Tom Bowers for this informative session where you will learn how to use historical data to translate administrated pricing and ambiguous maturity properties into appropriate and defensible deposit assumptions. Tom will also discuss the two common errors to modeling non-maturity deposits, and provide you with an overview of the steps to take to properly simulate these products for earnings and EVE analysis.

CFO: Chief Five + Officer
Charles McQueen, President, McQueen Financial Advisers

The role of the CFO has change dramatically in the post-recession era. CFOs are no longer simply Chief Financial Officers, but also fill the roles of:

  • Chief Branch Growth Limiting Officer
  • Chief Indirect Loan Volume Officer 
  • Chief Balance Sheet Balancing Officer
  • Chief Internal Negotiations Officer
  • Chief Marketing Expense Manager
During his presentation, Charles will discuss the evolving role of today’s CFO as well as how those roles can be practically applied regarding negotiation techniques, coalition building, management, and financial modeling.

Manage Your Balance Sheet Through a Sea of Regulation
Ryan Henley, Head of Financial Institutions Strategies, Stifel and Dan Morrill, Member of the Firm, Wolf & Company, P.C.

FASB’s CECL, Leases, Hedge Accounting, Basel III, and Preminum Amoritization.  Regulatory agencies have been busy proposing and finalizing new rules that will significantly impact your institution over the coming years.  In this session, Ryan will explore each of these proposed/finalized rules, their components, impact, and timeline.  Using a modeled institution profile, he will then discuss balance sheet strategies you can use to optimize performance through this sea of regulation.

Rising Rates and Deposit Assumptions: Key Components to Strategy Development
David Koch, Chief Operating Officer, FARIN 

The most critical assumptions impacting risk remain those involving the treatment of non-maturity deposits.  In this session, Dave Koch will explore how to get the maximum value from a comprehensive core deposit study, while using study outputs to build pools of funding for various asset classes. Dave will also discuss how factors such as depositor age and account “vintage” impact volatility, provide insights on the ins and outs of building liquidity plans for “surge” balances, and explain how segmentation and blended funding can significantly lower your cost and risk.

Building an Effective Stress-Testing Process
Kevin Kirksey, Principal, Strategic Solutions Group, ALM First Financial Advisors

The stress-testing process is becoming increasingly integrated with ALM reporting and data management functions. In examining the upturn, this presentation will discuss tips for bridging the gap between ALM reporting and stress-testing, while considering the need for further investment in modeling architecture, data management and computing power. Kevin will also discuss the data needs and techniques for credit modeling, and necessary documentation for the final report output.

New Administration, New Policies: Strategies for Trumponomics
Michael Davis, Managing Director - Strategies, and Jon Cantrell, CFA, Vice President, Senior Analyst, SunTrust Robinson Humphrey

With today’s dynamic political climate, changes to current fiscal policies are inevitable. For depository investors, the fundamentals are shifting and adjusting your strategy will likely be necessary.  During this presentation, Mike and Jon will discuss today’s emerging economic policies and provide detailed commentary on how they will impact on tax-free municipals, the survival of GSE’s, the changing mortgage and shrinking agency markets. Finally, through it all, they will reflect on how you can position your institution for profitable growth. 


Lease Accounting and Loan Covenants: What is the Impact?
Charlie Shannon, CPA, Partner, Moss Adams LLP

Accounting Standards Codification Topic 842, Leases, brings almost all leases to the balance sheet, which will have an impact your institution’s financial statements. Charlie will provide an overview of how the new standard will affect key ratios and debt covenants, what the impact will be on company ratios, and what steps should be taken going forward to prepare.

How State Nexus Rules Impact You
Jeff Ring, Principal, BerryDunn

Nexus rules vary widely from state-to-state which is why staying abreast of your institution’s potential nexus risk is vital with respect to your out-of-state activities. In this session, you will learn what activities trigger a filing requirement and how different states assess taxes.  Jeff will help you identify when to file in a specific state, the types of exemptions you can make, and how to address ongoing non-compliance and the use of voluntary disclosure agreements.

CECL Data Points: What You Need to Get Started
Chad Kellar, Partner, Crowe Horwath LLP

FASB’s Current Expected Credit Loss (CECL) model requires significant changes in the way your institution calculates credit impairment on financial assets. Knowing what data to collect and where to access can be a challenge. Chad will review these data challenges and provide insights on how you can prepare for new calculation methods, pool for expected credit loss measurement and vintage disclosures, and make your transition to CECL a successful one.

CECL: Where Do We Go From Here?
Gordon Dobner, Director, BKD, LLP

By now we are all well-versed in the CECL standard, but the question that remains top of mind for most community institution leaders is ‘Where do we go from here?’  In this session Debbie and Gordon will uncover just that as they focus on the process of implementation and the sample methodologies that are available to you. Using examples, they will go through the pros and cons of each available model, how those models can apply to your institution, and provide details on timelines for implementation, data considerations and more.

Using Profitability to Incentivize the Right Behavior
Jeffrey Marsico, Executive Vice President, The Kafafian Group, Inc.

How can you create the right incentives that balance the needs of your customers, employees, and your institution all while maintaining and growing your profitability? Jeff will answer that question during this session as he details how to use profit measurement and improvement at the business unit, officer, and customer levels to help drive a culture that leads to positive behaviors across all business functions. 

ERM: Aligning Risk with Strategy and Performance 
P&G Associates

Just when you thought you understood ERM, the forces of the universe have taken it to a new dimension by connecting ERM with strategy and entity performance. As the complexity of risk changes, management must enhance their awareness and oversight of ERM. This session will distinguish the difference between ERM and internal controls, explain how to enhance your alignment between ERM and performance, and examine how to use your ERM program in your strategic planning. It will also provide an overview of the Committee of Sponsoring Organizations of the Treadway Commission (COSO) ERM framework, and how it applies to your institution.

Public Pensions: What They Mean for Your Municipal Portfolio
Abigail Urtz, Municipal Strategist, FTN Financial

With a funding gap estimated at $1.5 trillion or more, public pensions have become a focal point for municipal market participants. This session will give you a better understanding of public pension liabilities, the growing concerns facing investors, and details on the types of plans employed at different levels of government. Mark will help you identify calculations you can employ to analyze your pension risk and how you can minimize your exposure while capitalizing on price discrepancies.

Cybersecurity: Top Threats, Trends and Strategies
Mark Scholl, Illinois Market Leader, Wipfli LLP

In response to evolving waves of cyber-crime activity facing the industry today, there’s no doubt that FFIEC and interagency guidance related to cybersecurity will be the focus of your next IT exam. During this informative session, Mark will discuss the most likely cybersecurity threats to your institution and strategies you can employ to establish an effective cybersecurity program designed to mitigate threats and meet your regulatory expectations.

The Three Blurred Lines of Defense
Raven Catlin, Speaker, Trainer, Presenter, Raven Global Training

The three lines of defense is a good model, but it has some key flaws. Flaws that particularly impact smaller institutions. Raven Catlin will help you to better understand the three lines of defense and discuss application under resource constraints. You will leave this presentation with a list of key opportunities to improve your model, as well as tools you can use to create a training plan to help associates, employees, and members understand their role in the lines of defense.

Effectively Communicate with Your Audit Committee
Scott Baranowski, Director, Internal Audit Services, Wolf & Company P.C.

As regulators across agencies push for stricter requirements, the role of the audit committee continues to evolve. The need for transparency continues to be high and communication with key stakeholders is more important than ever.  During this presentation, Scott will provide an overview of what questions your audit committee should be asking auditors and how you can better understand the most important considerations when dealing with management.

Vendor Performance Management: The New Mandate
Brad Smith, Managing Director, Cornerstone Advisers

Vendor management continues to be the subject of regulator and auditor scrutiny, which has no doubt lead your board to ask some tough questions about your solution providers. Using results from an exclusive performance study of over 60 financial institutions, Brad will discuss the trends and drivers that force organizational accountability and how you can build a vendor management program that satisfies examiners.  The presenters will also use practical examples to describe how you should approach the three critical elements of vendor management: risk, cost, and benefit.

CRE Concentrations: Practical Management Techniques
Adam Mustafa, Co-founder and Managing Partner, Invictus Consulting Group 

Financial institutions with CRE concentrations are under the microscope from regulators like never before.  You must now prove your concentrations are well-managed and can withstand an economic downturn or examiners will demand additional capital, curtail loan growth or downgrade CAMELS. Adam Mustafa will explain how the proper stress testing methods can quantify your maximum CRE concentration threshold, protect your regulatory capital and support your strategic initiatives. He will show you the common mistakes that institutions are making and arm you with the right techniques to effectively communicate with regulators. 

Best Practices in Delivery Channel Optimization
Bill Goedken, CEO, idea5, Inc. 

Besides personnel costs, delivery channels are usually the second largest expense at today’s financial institutions. Learn from various studies, polls, and the best–and not so best–practices of delivery channels. Bill will explain how both banks and credit unions are using analytics to find the right combination of delivery channel experiences, and what different generations are looking for from their institution. This session will also examine how delivery channels are evolving and what may be in store for the next 10 years and beyond.

Big Data: Practical Uses for Financial Institutions
Bryan Easley, Vice President, Haberfeld Holdings 

The era of big data is here. Your institution has a largely untapped wellspring of data at your disposal, and you likely now have a better idea of where and how your customers spend their money.  But how do you tap into this potential, and where are the ethical and moral lines? Achim will provide the answers to these questions, as he defines big data and highlights the challenges, opportunities and potential value you can gain from the data that hides within your technology systems. He will also share some interesting findings - some of which will really surprise you - from analysis of millions of bank accounts.

Top Trends Shaping Retail Banking 
Joe Sullivan, CEO, Market Insights, Inc.

Our industry has experienced rapid change and disruption during the past decade and we must effectively anticipate the future to help us determine what comes next.  
Join Joe Sullivan for this forward-looking presentation as he examines the social, technological, and structural trends that will have the greatest impact on all areas of retail delivery.  You’ll leave this session more confident on how to prepare your institution for upcoming marketing shifts, and new innovations that will help create the best, most relevant customer experience.

What If Rates Go to Zero? Strategies for Survival
Todd Cuppia, Director, Balance Sheet Strategies, Chatham Financial

While interest rates appear poised to rise further away from the zero lower bound, recent experience in the US and the current experience of some large developed economies provides a glimpse into the difficulties of managing risk in a negative interest rate environment. In this session, Todd will present best practices in risk management, financial modeling techniques, floating-rate loan pricing strategies, and important loan document considerations to help you mitigate risks if rates move to zero or negative.

Millennials: Make Them Happy and Keep Them [Productive]
Megan Plis Knapp, Marketing & Social Media Manager, Plansmith Corporation 

“Millennial” was a huge buzzword in 2016--and frankly, likely will be for some time to come.  The millennial generation is taking the world by storm, and disrupting all facets of the organizations they encounter in the process. Is your institution prepared for this disruption? Join Megan for this informative presentation as she takes you beyond the myths and provides you with actionable items your institution can employ to keep your millennial employees and make them happy.

How to Prepare Your Institution for Mergers and Acquisitions
Neil Falken, Managing Principal-Banking, CliftonLarsonAllen LLP 

Mergers and acquisitions among banks and credit unions are on the rise. How can you successfully be a part of this growing trend? Neil will discuss how you can efficiently evaluate acquisition opportunities and find suitable institutions to acquire. He will also discuss how you can effectively evaluate the financial health of an acquisition target and how to prepare financial models.

Improving Profitability No Matter What Rates Do: Living Process Improvement
Rob Johnson, Executive Vice President/Principal, c. myers corporation

Regardless of what rates do, there are only a few areas of focus that can help your profitability.  Being fanatical about continuous process improvement is one of them, as it helps to enhance revenue and control expenses. During this session, Rob will provide insight into the seven minimum requirements that will help you implement, and sustain, a highly effective strategy to make deliberate process improvement a habit.

Board Meetings: Optimize Time While Mitigating Liability 

The average board meeting lasts anywhere from two hours to a full day. And while your board’s time is at a premium, most institutions have not changed the structure of their corporate governance practices.  During this presentation, Stephen will not only cover process items such as how to structure meetings, store information, disseminate information, educate board members, and manage contracts, but also discuss best practice for taking advantage of systems, what can be delegated to staff, and strategies for limiting director liability.

CPE Credit Hours

CPE Logo

 The Financial Managers Society, Inc. 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. Complaints regarding registered sponsors may be addressed to: The National Registry of CPE Sponsors, 150 Fourth Avenue North, Suite 700, Nashville, TN 37219-2417. Web site: www.nasba.org

  • Level: Basic, Intermediate and Advanced
  • Prerequisites: None
  • Advance preparation: None
  • Field of Study: Accounting, Auditing, Finance, Management Advisory Services and Taxes
  • Earn up to 16.5 hours of CPE credit. (Up to 13.5 hours for the concurrent sessions and 3 hours for the pre-conference workshop.)
  • Instructional Mode: Group-Live

For more information regarding administrative policies such as complaints or refunds, call 800-ASK-4FMS (800-275-4367). FMS has also entered into individual sponsor agreements with a number of states. For additional information, please call 800-ASK-4FMS (800-275-4367).


@FMS_inc had it going on with an app for this year's Forum! We had a great time as sponsors and are proud to be members!
–IZALE Financial Group