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An Update on key policy issues impacting FHLBank Members

Deposits are down, cash levels are shrinking, and wholesale funding is on the rise. Furthermore, deposit competition is intensifying as the Fed continues to raise rates during this historic tightening cycle. Undeniably, liquidity is coming under pressure and risk managers and regulators are taking notice. This session will address liquidity challenges in our industry, and what every institution should be doing to develop a "best practice" approach to liquidity management. We will share recent regulatory feedback and provide action items to enhance liquidity reporting including dynamic forecasting, stress testing, early warning indicators and effective policy development. Additionally, the session will include case studies which highlight deposit strategies to manage the rising cost of liquidity most effectively during this tightening cycle.

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New and innovative technologies that can remove obstacles impacting your bank's bottom line are being developed and rolled out faster than we've ever seen. But where do you start? Does your organization use manual processes that are inefficient, prone to error or drain valuable resource hours that can be deployed more effectively elsewhere? Join this session to learn how banks can leverage digital transformation and automation to streamline internal processes, improve customer experience and identify key opportunities to propel your bank forward.

With the 2020 liquidity wave receding, inflation and a vigilant Fed have led to interest rate volatility and uncertainty not seen since the early 1980's. This session provides examples of banks utilizing hedging tools to confidently navigate rising funding costs, AOCI losses and the potential for a downward pivot; thereby avoiding "swimming unprepared"

Senior Execs struggle with how to pick the best alternative fintech suppliers while simultaneously de-handcuffing from one-side legacy core relationships. Which neo-cores are ready? What fintech suppliers are mature enough to partner? How does the bank structure a greenfield deal with a new market entrant and manage risk? This session will provide an unbiased, no BS summary for non-technical C-levels ready to lead their franchise in the new fintech era.

Lunch

Compliance with Fair Lending Regulation continues to be a regulatory focus, and requires; a strong understanding of the laws comprising Fair Lending, as well as the various types of discrimination. This session will provide an in-depth overview, as well as a walk-through of real life examples, as well as an overview of recent regulatory actions as a result of discrimination and unfair, deceptive, abusive acts or practices (UDAAPs)

This session will provide context for the rapidly evolving payments environment and how this dynamic space can and will continue to challenge community financial institutions. The session will focus on the newly evolving "faster payments" categories and how these networks can benefit FIs by virtue of the ability to attract balances, appeal to emerging important demographics, and drive business use-cases. We will discuss considerations around adoption, comparisons between the available networks, and the consequences of not participating. In addition, the session will discuss other technology driven trends impacting the treasury and payments space overall. We will review the importance of non-interest income sources for community FIs overall and in consideration of the macro factors impacting income statements. Finally, we will touch on some of the new trends in technology that are increasingly forcing community FIs to consider their role with sometimes controversial products/services.

Break

A well-structured AML/CFT risk assessment is the cornerstone to your institution's BSA/AML compliance program. As new risks emerge, learn how you can adapt your risk assessment methodology while maintaining the continuity that executive management expects. Attendees will also learn best practices for determining what key risk indicators should be included in your risk assessment process.

Where is the industry going? What do your markets offer? Who are your most valuable customers in ample supply in your markets? Set your strategy. Align your motivators and accountabilities. Determine your risk appetite. Develop your talent. Empower them. Make maximum use of your tech spend. Be meaningful to your stakeholders. Banks that do this, will be here the next time this conference comes to Hershey!

Enjoy an open bar and delicious food while catching up with old friends and making new ones.