April 8 - 10, 2015
In organizations, as in life, we are always strategizing the next move forward. The trick is in knowing which way is forward.
Join us for this year's Annual Meeting where our theme is "Members in Motion." Through our actions, we feel like we're advancing, gathering and maintaining momentum for the future, and serving our members to the best of our ability. But how can we be sure we're not going in circles? That's where continuing education, learning from the pros, teaching our staffs, networking with colleagues, and sharing successful best practices can help guide us in the right direction, ever forward.
Sept. 6 - Jan. 9
Guest Program: $85
Jan. 10 - Mar. 10
Guest Program: $85
Mar. 11 - Apr. 1
Guest Program: $125
Credit unions with assets of $10 million or less as of 12/31/2014 qualify for a free registration. Group registrants must be registered at the same time.
Registration Fee includes: all general sessions featuring sought-after speakers, more than 22 educational sessions to choose from, continental breakfast three mornings, various refreshment breaks, dedicated time in the expo hall with valuable vendors, logo tote bag, chance to win a cash prize at the end of the closing general session (you must be present to win).
Guest Fee includes: all general sessions featuring sought-after speakers, breakfast three mornings, various refreshment breaks, logo tote bag, and dedicated time in the expo hall with valuable vendors. Our reduced guest fee is limited to one guest per paid registrant and is limited to spouses, significant others, and children over 18 years of age. It is not intended for co-workers or credit union staff.
Cancellation Policy: Substitutions are always welcome. Registration fee refunds (less a $75 processing fee per person) are granted for cancellations received in writing on or before March 10, 2015. No refunds will be granted after March 10.
Grant Assistance: The Cornerstone Credit Union Foundation is accepting scholarship applications for League training events based on financial need. Applications must be received by application deadlines. Please visit the Foundation's website to view all grant applications, guidelines and deadlines. Contact Emily Moreno, Foundation Grants Manager, at 800-953-6483 for more information.
500 East 4th Street
Austin, Texas 78701
on or before Mar. 17
When calling to make a reservation, indicate you are with the Cornerstone League Annual Meeting to receive the special rate.
Early Departure Fee: In the event you check out prior to your reserved checkout date, the hotel will add an early checkout fee of one night’s room and tax to your account. To avoid an early checkout fee, please advise the hotel of your earlier departure at or before check-in.
Tuesday, April 7
Putting fore a Purpose Golf Tournament
3:00 p.m. - 6:30 p.m.
Annual Meeting Registration
Wednesday, April 8
7:30 a.m. - 5:30 p.m.
Annual Meeting & Expo Registration
8:30 a.m. - 9:00 a.m.
8:00 a.m. - 9:00 a.m.
New CEO Breakfast (for new CEOs since April 2014)
9:30 a.m. - 11:30 a.m.
Welcome & Opening Session
Making the Most of Difficult Situations: Changing Markets, Changing Times
Featured Speaker: Garrison Wynn
11:30 a.m. - 12:45 p.m.
Lunch on your own
11:45 a.m. - 12:45 p.m.
TCCUL PAC Luncheon
1:00 p.m. - 2:15 p.m.
Concurrent Sessions I
1. Five Essentials to Stay Ahead
Joel Abramson, Complete Data Products, Inc.
2. What is "Kindling" Your Credit Union? Change Your Strategy, Change Your Results
Jim Mathis, The Mathis Group
3. IT Security and Social Engineering: What's at Risk?
Chris Roach & Raja Paranjothi, CBIZ MHM LLC
4. Integrated Branding: The Devil is in the Details
Bryn Vaupel, BC Consulting
Paula Upchurch, Cornerstone Credit Union League
6. Exciting Trends in Auto Purchasing
Steve Hoke, CUNA Mutual Group
7. How Better Employee Health Means Better Business
Brian Berchtold, hubbub health
2:15 p.m. - 2:30 p.m.
Networking Refreshment Break
2:30 p.m. - 3:30 p.m.
Annual Business Meeting
3:45 p.m. - 5:00 p.m.
Concurrent Sessions II
8. The Death of the Physical Branch - Is this the Future of Financial Institutions?
Joel Abramson, Complete Data Products, Inc.
9. Reinventing Your Management Style: Managing People to Succeed
Jim Mathis, The Mathis Group
10. IT Regulatory Environment: Cybersecurity Expectations
James Harris, Compliance Advisory Services, LLC
11. Master the Metrics: Demonstrate How Marketing Drives Top Line Growth
Bryn Vaupel, BC Consulting
12. Do You Speak Millennial?
Nicki Lemmon, LemmonTree Marketing Group
13. Making Better, Faster Lending Decisions
Michael Cochrum, CU Direct
VIP Dinner (by invitation only)
Thursday, April 9
7:30 a.m. - 3:00 p.m.
Annual Meeting Registration
8:00 a.m. - 8:30 a.m.
8:30 a.m. - 5:00 p.m.
Guest Program - separate registration required (lunch and tours included)
8:30 a.m. - 10:00 a.m.
10:00 a.m. - 11:45 a.m.
11:45 a.m. - 1:00 p.m.
Lunch on your own
12:00 p.m. - 2:00 p.m.
Board Organizational Meeting & Lunch
1:15 p.m. - 2:30 p.m.
Concurrent Sessions III
15. Service is the New Sales - Member Experience Strategies that Deepen Relationships, Fuel Profits, and Increase Lifetime Value
Jeff Rendel, Rising Above Enterprises
16. Best Practices for Board/CEO Relationships
Jim Kasch, Darden Employees FCU
17. Cornerstone Legislative Update
Facilitated by: Jim Phelps, Cornerstone Credit Union League
18. Lending & Collections Best Practice Panel Discussion for Small Credit Unions
Facilitated by: Lorri Gaither, Cornerstone Credit Union League
19. Generating Revenue While Having Your Members Value Your Brand
Nicki Lemmon, LemmonTree Marketing Group
20. The Loan Department Design that Produces More Loans with Fewer Employees
Brett Christensen, CU Lending Advice
2:30 p.m. - 2:45 p.m.
Networking Refreshment Break in EXPO Hall
2:30 p.m. - 5:30 p.m.
4:30 p.m. - 5:30 p.m.
6:30 p.m. - 9:30 p.m.
Recognition Dinner & Party
Friday, April 10
8:00 a.m. - 8:30 a.m.
8:30 a.m. - 9:45 a.m.
Concurrent Sessions IV
22. Staying One Step Ahead of the Fraudsters
Caroline Willard, CO-OP Financial Services
23. The Five Most Important Roles of the Credit Union Director
Jim Kasch, Darden Employees FCU
24. Ten Keys to Effective Business Continuity Planning
Bob Mellinger, Attainium Corp
26. Variable Pay Programs that Work
Brett Christensen, CU Lending Advice
9:45 a.m. - 10:00 a.m.
Networking Refreshment Break
10:00 a.m. - 11:30 a.m.
Join us as we travel south of Austin to the Natural Bridge Caverns. Journey through a half-mile of the largest and most spectacular show cavern in Texas. You will walk 180 feet below the ground, see awe-inspiring, ancient formations centuries in the making and still growing today. There are amazing stalagmites, stalactites, flowstones, chandeliers and soda straws. Take pictures along the way because this is one walk through time that you will never want to forget.
Have lunch at The Gristmill, situated on a bluff overlooking the Guadalupe River, nestled under the shade of towering oak trees, in the quaint German town of Gruene, Texas.
After lunch we will head down the road to the town of Wimberley for an afternoon of shopping around "The Square" and "Olde Town Plaza". Wimberley is full of unique shops that offer traditional and not-so-traditional art and wares.
Prepare to be entertained in a unique way with The Violin Guy.
Pursuing a strong interest in world music, Mr. Cernat studied and performed in Europe at the Fribourg Conservatory in Switzerland, with the Brignoles Symphony Orchestra in France in the late 90′s and the Malaga-Bucharest Orchestra in Spain. As a producer and song writer he’s worked along artists such as The Isley Brothers, Keith Sweat, Hip Boot Joe, Civello’s and others. With fifteen years of experience as active pop music producer and engineer he has produced and recorded music for more than a hundred music albums worldwide for acts ranging from solo artists to live bands in pop, rock , techno , R&B, Hip-hop genres and more.
A Greek-Romanian native, Radu Cernat is currently pursuing his career as a solo pop singer and instrumentalist featuring his very own hand-made original electric instruments and Laser Instrument Shows™ , a spectacle and innovative light show created through the sound of music using LED and LASER technology.
The Grooves' show is an exciting combination of classic rock, Motown, oldies, disco, rock and roll, country, standards, swing, eighties dance, plus all the most up to date dance music. The Grooves band has the perfect song list geared at being enjoyed by all the different ages in the crowd at corporate parties. The band has many different styles and unlike most bands that just pick their songs to play in advance, they have over 170 songs in their play list, The Grooves band plays to the crowd picking what songs to play based on crowd response keeping the dance floor packed all night.
This funny, insightful sales management keynote combines relationship building with no-fluff motivation and change to deliver real solutions in uncertain times. This keynote covers a lot of ground and provides no-cost, easily implemented, proven solutions that your people can use right away. As the environment of credit unions continues to change, this opening session speaker will start Annual Meeting off right.
Garrison helps people make the jump from being great at what they do to developing the qualities it takes to be consistently chosen for the job. He gets them to understand why their products, services, or leadership styles—or those of their competitors—are selected. As he says, “If the world agreed on what’s best, everybody would choose the best and nothing else would be considered. Decision making doesn’t work that way.” His presentations help people become more influential regardless of circumstances.
Garrison has presented to some of the world's most effective leaders and business developers, from multibillion-dollar manufacturers and national associations to top New York Stock Exchange wire houses. He has a background in manufacturing, telecomm, and financial services and toured as a professional stand-up comedian. In his teens, Garrison worked with Magnavox and baseball legend Hank Aaron to promote the world's first video gaming system, and by age 27 he became the youngest department head in a Fortune 500 company's history. He researched and designed processes for 38 locations nationwide and developed and marketed products still being sold in 30 countries. He is the author of the Amazon.com bestseller The REAL Truth About Success, has contributed weekly to The Washington Post, and has coauthored with Stephen Covey. His award-winning success tools receive high praise, but his greatest strength is a magnetic live performance that keeps him in high demand, with more than 600 inquiries and 100 speaking dates per year. http://www.garrisonwynn.com
With the future of your business in the hands of elected and appointed leaders – corporate directors, executives, and managers have a duty to develop, nurture and uphold political relationships and influence. This particular undertaking for leading companies is not about election year politicking and favor-seeking. It is about ensuring that your corporate involvement is a standard feature in your state's and our nation's capital. The credit unions that play a part in the legislative and regulatory process the most hold the largest role in influencing business policy.
While lobbyists serve a vital purpose, legislators listen attentively to local business owners and managers who can make clear the effect a given law may place upon their business. You, the local executive, have influence with your lawmakers that greatly supports and strengthens the work of your industry's lobbyists. Your individual participation advances and defends your commercial wellbeing. Your involvement in lawmakers' understanding of your business is no longer an option – It's a responsibility.
A fantastic product or service may bring your members in the door, but two factors will bring them back – an amazing, exceptional experience and a genuine desire to become a central and real-time part of your members’ lives. Strategically investing in and managing the member experience is a business tool that integrates the entire credit union in its desire to connect with your members, inherently inspiring them to choose you over all other options.
In dissecting, designing, measuring, and improving each member’s experience, your credit union can be more relevant to your members. With clearly-defined and well-implemented front line leadership behaviors, the “how” of “wow” is delineated, allowing you to understand and demonstrate your distinctiveness in a jam-packed marketplace. When you serve first, you will sell second, cultivating a partnership with your members that keeps them coming back for more.
As President of Rising Above Enterprises, Jeff works with financial services providers that want elite results in leadership, sales, and strategy. His company researches, synthesizes, and articulates indispensable achievement elements to help corporations profit – financially and inside their corporate culture – in their pursuit to fulfill their missions and strategic endeavors.
As a federal regulator with the Office of the Comptroller of the Currency, Jeff examined a wide array of the nation’s banks. In this capacity, Jeff worked with all levels of senior management assisting them in developing sound operations, expanded business development, and impressive financial performance.
As a financial services executive, he oversaw the strategic operations of one of California’s leading community banks. There, he directed corporate and branch initiatives and helped guide the bank to record growth, increasing regional market share, and outstanding financial results.
A fresh opportunity earned him a chief Congressional lobbyist position, representing financial institutions on the West Coast. With an eye for innovation, Jeff struck to fashion an original style of advocacy – one based on friendship, trust, and respect. It worked.
He continues to work with Members of the House of Representatives and Senate helping them understand the business implications that legislation has upon the financial services industry. Many Members of Congress regard him as their point of first contact when issues regarding financial institutions arise.
JB’s session will invigorate attendees and motivate them to recognize new opportunities, reach for greater achievements, and move from ordinary to extraordinary through the power of relationships. His presentation will take audiences on a memorable journey into the business side of sports and show you how this translates to success with “Members in Motion.” And don’t miss JB’s exciting personal story about overcoming obstacles—the basis for the movie The Million Dollar Arm, which has been inspiring audiences since its release.
As a 25+ year veteran of the consumer goods and sports marketing industries, J.B. Bernstein knows what it takes to receive positive results. As the CMO of Seven Figures Management, a sports marketing and athlete representation firm, Bernstein was the mastermind behind The Million Dollar Arm contest. This revolutionary reality TV show and talent search for baseball players in India yielded the first two Indian-born men to ever sign pro sports contracts in the United States, both signing with the Pittsburgh Pirates. Bernstein’s story is now the subject of the Disney motion picture, Million Dollar Arm, where he is portrayed actor Jon Hamm, of Mad Men fame.
Bernstein is the co-founder and president of the Access Group of Miami, and has represented some of the greatest athletes of all time including Barry Bonds, Barry Sanders, Emmitt Smith, and Curtis Martin. Bernstein was responsible for creating ground breaking programs Like Smith’s “Run with History” which is now the standard deal in NFL milestone marketing. He also orchestrated Barry Bonds’ departure from MLBPA group licensing, making him the first baseball player to successfully operate outside of their auspices.
Bernstein’s services were retained by MLS from 1995 – 97 to act as their head of licensing and to create the league’s and the players’ entire merchandise program. He secured over 50 partners and reached levels of licensed goods sales in 1997 of nearly $50 million.
Bernstein got his start in sports during the formation of The Upper Deck Company and as the director of Development for the memorabilia division, he developed over 250 products and is widely known as one of the godfathers of milestone marketing for his work on Wayne Gretzky’s 802nd goal program and Dan Marino’s all time TD record.
Bernstein started his career in brand management at P&G and as an account executive at Grey Advertising.
Bernstein received his bachelor's degree in political economics from the University of Massachusetts Amherst, and then went on to achieve his MBA from The London School of Economics. Out of his personal interest, Bernstein has separately achieved a Ph.D. in Physics from the University of Southern California and is currently pursuing his 2nd Ph.D. in a related field.
Bernstein lives in Las Vegas with his wife and daughter. He spends any free time he gets keeping up on developments in the field of Physics/Cosmology, and is an avid science reader.
Economic pressures, shifting member expectations, security threats and regulatory oversight have dramatically changed the financial services industry. Financial institutions are now challenged with balancing cost reduction against new investments in innovation to better capture, service, support, and protect the modern member. Do you have a plan in place to stay ahead of these challenges?
Discussion topics include:
Remember a few years ago when you went to Borders to buy a book and then stopped by Blockbuster and rented a movie? Now you buy your books on a Kindle or other tablet device and more movies are rented utilizing an instant streaming avenue like Netflix. Fading away are the physical buildings. The same transition is taking place in financial institutions. In our digital world where financial services are increasingly being conducted electronically (ATM’s, online, mobile devices, tablets, etc.), there is less need for a physical branch. Join us as we discuss and get perspectives on this topic which has become one of the hottest debates among financial institution executives.
Key topics include:
Joel Abramson has been involved in all aspects of the financial services industry for more than twenty years. He is currently the Director of Business Development and Strategy for Complete Data Products (CDP). Complete Data Products Inc. is the leader in paperless document management solutions, electronic receipts, and secure, encrypted digital signature technology. CDP also offers custom professional services such as email encryption, backup and disaster recovery, and custom laser print services. Prior to joining CDP, Mr. Abramson was a Senior Vice President of a publicly traded bank and then moved on to a role as Chief Operating Officer of an international technology company that provided outsourced security solutions to organizations within the financial services vertical throughout the United States.
Every credit union leader can reinvent themselves. A personally challenging and value-changing presentation that makes reinvention easy. Change happens… Just as the Kindle has changed publishing, Netflix is changing home movie rental and the iPod changed personal music! The realities of your CU and member interaction have changed permanently. Members are more empowered, competition is stronger, the need to differentiate has never been more significant and government regulations are increasing more frequent than ever before.
In this entertaining, energetic and interactive session credit union leaders combine their creativity to leave with step by step actions to take immediately following the conference. They will answer critical questions dealing with how they are “punishing” members in their practices; what are the “dinosaurs” they face in policies and procedures; what is the top complaint their members tell them repeatedly; what has changed in their area among products and services; what is “Kindling” their business and service models; and what actions they will take that make the most impact on their members as a whole in small buzz-group discussions.
Every CU board leader can learn how to connect and manage people (volunteer or paid) reducing turnover and leadership stress. How do you manage different people in a changing economy? Are you connecting with everyone in their strengths? An energetic, entertaining and interactive exchange about positioning individuals to bring out their best performance. Attendees explore essential tools for managing, leading & retention of good workers, improved communication and reduced conflict.
Jim Mathis is an international Certified Speaking Professional (CSP), strategist and best-selling author. He has been writing, speaking and consulting for over 35 years. He helps leaders who want to reinvent themselves in changing economic climates. Jim has much to share about business marketing strategy. He is president of J&L Mathis Group, Inc. based in Atlanta, Georgia, and author of the best-selling book, “Reinvention Made Easy: Change Your Strategy, Change Your Results,” and “Reinvention 101: Bold Ideas for Reinvention.”
Chris Roach is Managing Director and National IT Practice Leader for CBIZ's Risk & Advisory Services. He has extensive experience in information technology (IT) risk management and business management with exceptional success in driving business value and using technology to mitigate business risks. Prior to CBIZ, Mr. Roach was Founder and President/CEO of Think-IT Services, LLC where he developed and delivered IT Risk Management services including: IT Security Support, IT Audit and Compliance, Business Continuity Planning and Disaster Recovery, and IT Service Management Support. Mr. Roach consulted for a variety of both public and privately-held companies and has significant experience helping companies achieve their objectives through successfully managing change, improving business productivity, mitigating business risk, and improving competitive practices. With 14 years of experience as a former Partner at KPMG, Mr. Roach served as Lead IT Risk Partner for several National and International clients across multiple industries. Additional positions included experience as the Lead Product and Services Partner for Information Security, Applications Controls and Business Continuity Management for KPMG’s Southwest Region and also the National Industry Director for Energy and Business Leader for the Southwest Regions Industrial Markets group.
Raja, a Senior Manager, leads the Business & Technology Risk Services for the Kansas City office. He has more than 15 years of experience in consulting and risk services. Raja’s experience includes performing IT risk assessments, SOC/SSAE 16 audits, IT audits, internal audits, SOX 404 engagements, PCI and security assessments. Raja serves a variety of clients within multiple industries including financial institutions, technology, manufacturing, government, energy and retail. Earlier in his career, Raja was a senior management consultant for another Big Four firm; he was also a business owner and consultant for several years.
An integrated brand is one that is recognized instantly in the most basic of interactions. Your brand goes far beyond just a logo and tagline, it’s all the details that help you provide a consistent member experience. In this session, you learn the details that make or break a brand and what that means for your ability to provide value to your members and help your organization grow. Learn how to be instantly recognized whether your member is walking into a branch, calling you on the phone, using a mobile app or interacting with you at a community event.
At the heart of any effective growth strategy is mastering the metrics. Successful marketing is not about a great slogan, a good rate or a fun giveaway, rather it’s about understanding the impact of the many components that are the result of an effective campaign. Learn to move members from on the fence to “I just got a great deal and I am going to tell my network about it.” You also learn how to measure your organizations message to ensure that you are relating to your members, providing value and ultimately engaging members to reach your growth goals.
Bryn C. Vaupel, is an award-winning marketing strategist with over 15 years of experience serving as a marketing and retail delivery executive for credit unions and non-profit organizations across the country. As Principal of BC Consulting, Bryn helps credit unions develop strong brands, provide an exceptional member experience and engages members to foster growth. Prior to forming BC Consulting, Bryn served as a Senior Vice President of Retail Delivery and held other executive roles at credit unions of various sizes ranging from small, to billions of dollars in assets. Under Bryn’s leadership, her credit unions have received numerous distinctions including CUNA Marketing and Business Development Council awards for branding, corporate identity, retail merchandising and annual reports. Bryn has written for CUES Credit Union Management magazine on “The Chemistry of Retail Delivery,” “Merger Communication: Planning a Credit Union Wedding,” and “After the Merger Communication: Living Happily Ever After.” In 2014, Bryn was honored for her leadership and commitment to making a difference, receiving the Credit Union Times Trailblazer 40 and Below award. Bryn received her Master of Business Administration from Regis University with an emphasis in Market Strategy. She also holds a Bachelor of Arts from the University of Wyoming. Bryn is a Strategic Partner of Kearley & Company, Co-Chair of the Global Women’s Leadership Network Washington DC Chapter, a Vistage member and a member of the American Marketing Association. Bryn has served on the executive committee of the CUNA Marketing and Business Development Council and is a former member of the New England Financial Marketing Association Board of Directors.
The auto purchase process is undergoing dramatic change as the sector experiences rapid growth in sales. Learn how the internet and smart phone technology is impacting the sales process and gain insight on using technology to your advantage in advancing credit union auto loan financing.
Steve Hoke is the director for CUNA Mutual Group’s Loan Generation Marketing product line. In this role he is responsible for the overall business strategy, product management, execution and financial results for the product line. Throughout his CUNA Mutual Group tenure, Hoke has been associated with a number of lending related product successes. He led a team of nine project managers who were responsible for implementing payment protection and other products for CUNA Mutual Group’s customers. Prior to joining CUNA Mutual Group in 2004, Hoke consulted and worked within the financial services industry. Hoke earned a bachelor’s degree in Finance from the University of Dayton, with a minor in Management.
Leadership buy-in, tight budgets, employee engagement, ROI – the challenges of starting and sustaining new wellness programs can feel daunting. But the potential benefits far outweigh the perceived risks and barriers. Whether you're interested in starting small or going all-in with a wellness program, investing in employee health is critical to your credit union’s bottom line.
Credit unions that take those first steps – down the road less traveled – often find that success builds on success. Organizational culture change happens one person at a time and the ROI won't come overnight. It takes time for habits to take hold and employee health to improve. Discover how your credit union peers implemented successful wellness programs, engaged employees and focused on short-term returns for long-term benefits.
In this session, attendees learn:
Brian Berchtold is Vice President Sales & Marketing for hubbub health, an online and mobile wellness solution for employers. Using gamification, social circles and behavior change science, hubbub motivates employees to adopt healthier lifestyles, one rewarding challenge at a time. An experienced leader in start-up companies and the medical and consumer products arena, Brian was president and CEO of ALCiS Health prior to joining hubbub. At ALCiS, Brian orchestrated the company’s funding and quickly launched its consumer products in over 15,000 retail locations. Brian also held key positions in the medical device industry with Alliance Medical Corporation and Collagen Corporation. Under his leadership, Collagen Canada, Ltd. became its corporation’s fastest-growing subsidiary in the world. Brian’s success led him to Europe, where he reorganized operations for Collagen UK. Brian’s passion for health and wellness goes beyond 9 to 5—he’s also board chair for the Pacific Northwest branch of Playworks, a national nonprofit dedicated to creating a positive, empowering experience for every kid on the school playground. As active as the kids he champions, Brian credits hubbub with turning his lifestyle around. When he joined the company Brian was pre-diabetic and struggling with his weight. Today, Brian enjoys healthy cooking and recently completed his third marathon in just 12 months.
As the Federal Financial Institutions Examination Council (FFIEC) releases new Cybersecurity guidance in 2015, it will address specific types of cyber-attacks and threats. IT examinations for credit unions of all sizes will include reviews of specific Cybersecurity initiatives, such as employee awareness and training, as well as software and operating system patching. Credit unions also should be prepared to show examiners how they are mitigating threats posed by specific attacks and vulnerabilities, such as Heartbleed, the Bash bug, distributed-denial-of-service attacks and ATM cash-outs, etc.
In this session we discuss the specific five domains that regulators will pay close attention to with regards to Cybersecurity. Those five domains include:
James Harris is the principal of Compliance Advisory Services, LLC, a nationally known compliance & Information security consulting firm. His expertise is in all areas of regulatory compliance, including information systems security, Gramm-Leach Bliley Act and Sarbanes Oxley Act. James is an attorney, former banker and FDIC examiner, with a unique ability to reduce complex legal concepts to plain English. James serves as a faculty member & instructor for OCC’s, FDIC’s, & NCUA IT Examiner schools. He is also a charter member of the American Academy of Certified Consultants and Experts. He has instructed numerous IT Audit & Security schools & seminars for various credit union leagues and banking associations.
Credit unions have the potential to capture their members’ financial services for a lifetime relationship. The Millennial/Gen Y and Baby Boom are two of the largest generations impacting our credit union memberships today. The growing Millennial/Gen Y mirrors the size of the Baby Boom as the original Baby Boomers have moved into their senior years. At the same time, Gen X is in the prime lending and investing years. This presentation focuses on the strategies to use for capturing and building relationships across all generations. Plus, staffing of credit unions is being impacted by the same generational shifts.
Having the pressures of a hypercompetitive financial industry and the impact of regulations that cap revenue sources like interchange income, finding more revenue is crucial for every credit union today. From building revenues with third party providers to being creative with traditional products and services, new strategies can build trust and build the value of your credit union with every member.
Participants learn four great "how to" strategies:
Nicolette is president of LemmonTree Marketing Group, a full-service marketing agency providing virtual marketing outsource, business development and market research solutions to clients nationwide. Her firm has won numerous awards for creative work for clients including television commercials, corporate videos, logo designs, and campaigns. In 2003, she founded Credit Union Marketing University, a financial industry marketing education resource including webinar workshops, training and tools specifically related to successful marketing, business development, cross-selling and coaching for credit union professionals. With her years of experience in services marketing, sales, and advertising, she is a well-recognized speaker on financial-services marketing. She served on the marketing faculty of the Management Development Institute for the National Association of Federal Credit Unions (NAFCU) for over ten years. She also authored the book, Successful Product Development from Research to Results for the Credit Union Executive Society (CUES), served on the faculty of the CUES Executive Marketing Institute, and has sold hundreds of cross-selling training videos. Nicolette authored another book for the job-seekers market, Almost Famous: How to Market Yourself for Success. With a Masters Degree in Business Administration from Arizona State University (ASU), she has served on the faculty of the University of Phoenix teaching graduate and undergraduate marketing courses. She has received distinction with these awards: 2005, Top 50 Woman-Owned Businesses-Arizona and Top 100 Small Businesses-Arizona by DiverstiyBusiness.com; 2002-2008, Outstanding Alumni Service Award by the ASU Alumni Association; 1996 nominee for Entrepreneur of the Year Award in Arizona, sponsored by Inc. Magazine and Ernst and Young; 1995, Top 50 Women Business Owners in Arizona by Today’s Arizona Woman Success Magazine; and 1992, the Arizona State University Young Alumni Achievement Award. Nicolette has served on many boards and committees for charitable, community, civic and professional organizations.
Credit Unions face stiff competition in the lending game, especially when members are constantly on the move. How can credit unions keep up with the pace of consumer loan demand while ensuring that their portfolios remain safe and sound? In this session, Michael Cochrum, Sr. Director of Analytics and CU Direct, will present strategies that credit union can use to collect the right data, establish responsive lending strategies and continually monitor portfolio performance to mitigate risk effectively. Michael will present information about creating custom scorecards, performing static pool analysis to predict performance, risk grading your portfolio and discuss Fair Lending testing. With the right information in hand, your credit union will be better prepared to make Better, Faster lending decisions.
Michael Cochrum, Sr. Director of Analytics at CU Direct a credit union-owned company founded in 1994, has a career in consumer finance that spans almost three decades. Starting his career in 1989 working for some of the largest banks in the US, including Fifth-Third Bank, Citicorp and Ford Motor Credit, he gained valuable experience in underwriting, collections and loan sales, Michael came to credit unions in 1998, starting with TCUL’s (now Cornerstone) own credit union, Metroplex CU where he was the recipient of four Lone Star Marketing Awards presented by TCUL’s Marketing Council. Since that time, Michael has gone on to play a key role in creating the largest North American credit union-owned Indirect Lending network that now operates in both the US and Canada and has over one thousand credit union clients. He has also been instrumental in bringing data analytics to the credit union space and is a sought after speaker and writer on the subject of loan portfolio risk management. Michael is now a consultant, helping credit unions optimize lending efficiencies, and is the dean of the Lending Analytics and Portfolio Academy. Michael is a 2004 graduate of the Southwest CUNA Management School.
Perhaps there is no relationship more important to the success of the credit union than that between the CEO and the Board of Directors. Poor relationships can limit effectiveness, cause personal and professional stress, and prematurely end promising careers. In this session, you'll learn about the four behavioral dimensions identified by organizational psychologists as critical to success: Trust, Micromanaging, Clarity, and Communication. We'll discuss best practices to employ within your own credit union to strengthen and improve this important relationship.
Most of us are familiar with the standard roles a credit union director must play, and regulators pay particular attention to the financial literacy and fiscal responsibilities attached to this critical volunteer role. While those functions are important, focusing solely on those duties is a disservice. In this session, we'll discuss the five most important roles of the credit union director: Artist (who paints the picture), Recruiter (who hires the right CEO), Inspirationalist (who sets high goals), Enforcer (who ensures accountability), and Salesperson (who engages in developing business). We'll discuss best practices to employ within your own credit union.
Jim has more than twenty years business experience, most of which with credit unions. His roles range from teller to CEO. He spent more than ten years with Partners Federal Credit Union (formerly Vista FCU) which serves The Walt Disney Company, where he led marketing, business development, sales, and strategic alliances. He is currently the Senior Vice President/Chief Sales Officer for USF Federal Credit Union, a $480 million institution in Tampa, Florida. Jim joined the USF Federal Credit Union team after Darden Employees Federal Credit Union merged into the larger institution. USF FCU continues to serve both Darden and Red Lobster under unique private label operations. In 2010, Jim was hired to be the Chief Executive Officer for Darden Employees Federal Credit Union (DCU), chartered to serve the more than 200,000 employees of Darden Restaurants, Inc. In six months, he and his team built a primarily virtual delivery credit union offering a full suite of products and services. Since its launch, DCU has more than tripled its asset base, grown 6 times in loan balances, quadrupled income, and grown seven times in members served. DCU’s unique business model extends to its robust relationship with its sponsor which positions the credit union as a business partner rather than only a service or benefit to employees. Nearly 90% of Darden employees are Gen X or Gen Y, making DCU’s field of membership one of the youngest and largest in the country.
For the first time since the formation of the Cornerstone Credit Union League, the Arkansas, Oklahoma and Texas state legislatures are in session. In addition, the 114th session of Congress is underway in Washington, D.C. As events unfold in the state legislatures and in Congress, it is critical that credit union advocates are informed and engaged in support of our legislative priorities. Plan to attend this session and receive an update on major legislative actions in Congress and in the state legislatures.
Focus points: General political environment in each state; legislative priorities for credit unions in Congress and Arkansas, Oklahoma and Texas state legislatures.
Jim Phelps joined the Cornerstone Credit Union League in 2004 after spending several years in the financial services industry. As Senior Vice President of Advocacy he directs and oversees the League’s advocacy department, and is responsible for coordinating the state and federal advocacy programs in Arkansas, Oklahoma and Texas. He also serves as the advocacy advisor to the League’s board of directors. Jim is a member of the American Association of Credit Union League’s Political Involvement and Grassroots Committee charged with enhancing the political influence of credit unions at the national level. He also helped to develop the League’s “Young Professional” initiative designed for credit union professionals under age 35. A proud member of several credit unions, he is a graduate of Northern Illinois University and a Certified Association Executive (CAE).
Building your loan portfolio, while managing your asset quality, can be a tough balancing act. In this session, a panel of small credit union leaders that have been successful in their lending and collection efforts shares some strategies and innovative ideas that have proven successful for them. This session provides plenty of time for sharing of best practices and Q&A.
One of the reasons management gets paid the big bucks is to improve employee productivity and process efficiencies. Unfortunately many credit unions have non-productive lenders working in a totally inefficient system. In this session you learn how to significantly improve your volume of consumer loans while reducing the number of employees involved. Topics to be covered include:
Designing successful variable pay plans for credit unions is one-part science and an equal part art. Nearly all of the top-performing lending credit unions in the country utilize pay for performance and incentive programs to motivate their staff. The challenge comes in designing incentive programs that are simple, effective and fair.
In this session, the following topics are covered:
Brett is the owner of CU Lending Advice, LLC. As such, he works directly with credit unions in the U.S and Canada teaching and consulting on various lending topics to professionals that work in the credit union industry. His personal and entertaining speaking style have also made him a popular and sought out speaker in the credit union industry. Prior to forming his own company, Brett worked for four years as a lending consultant and trainer for Lending Solutions Consulting, Inc. of Elgin, IL. Prior to his job at Lending Solutions, Brett was the Chief Sales Officer of APPRO Systems, Inc. which purchased the Loan Link Lending Center which Brett managed as the President for three years. Prior to his work at Loan Link, Brett worked for five years at the $680 million Clark County Credit Union in Las Vegas, Nevada. He also worked as a civil engineering officer in the United States Air Force. He has earned a Bachelor's of Science degree in Civil Engineering from the United States Air Force Academy in 1987, and a Master's of Business Administration degree from the University of Phoenix in 1991.
Learn how tokenization, EMV, and user-generated card controls can make your card portfolio much more secure.
Caroline Willard is Executive Vice President, Markets and Strategy, responsible for strategic planning, product development, marketing and market research, and the company’s push into emerging technologies. Beyond CO-OP Financial Services, Willard also currently serves as Board Chair of the Credit Union Executives Society (CUES). Willard has more than 25 years of marketing and strategic planning experience, half of which has been in the credit union movement. She joined CO-OP Financial Services in July 2006 as Vice President, Corporate Development. In 2008, she was promoted to Senior Vice President, Business Development and Marketing, a post that included responsibility for the company’s 22-member relationship management team and client services department. Prior to CO-OP Financial Services, Willard spent five years on the executive team of American First Credit Union in La Habra, Calif.
Developing and maintaining a Business Continuity or Disaster Recovery Plan is a daunting task. All you hear is "We need to develop a Business Continuity Plan, but it’s too labor intensive." "Maintaining the BCP takes too much time." "We have this great Plan, but no one knows what’s in it." Sometimes it seems like only divine intervention will help. Learn the 10 keys to developing, implementing and maintaining an effective business continuity management program.
Bob Mellinger, CBCV, is the founder and president of Attainium Corp, which delivers business continuity, emergency preparedness and crisis management services. Bob is a frequent speaker on the topics of business continuity, contingency planning, emergency preparedness and crisis management, delivering sessions ranging from The Basics of Continuity Planning to the Impact of Today’s Threats and Hazards, as well as customized, interactive mock-disaster tabletop exercises known as the Disaster Experience. Bob is a graduate of the University of Dayton with a major in Computer Science, and has a graduate certificate from George Washington University’s Institute for Crisis, Disaster and Risk Management.
Dr. Daren Martin is a speaker, author, and consultant to organizations ranging from Fortune 500 to small business. His PhD in Psychology, experience starting and running several businesses, and thousands of hours of conversations with top executives and front line workers give him a keen perspective on what makes organizations thrive. He has expertise in crafting high performing company cultures, change mastery, driving innovation, and developing an owner mentality from the top to the bottom of an organizational chart. Dr. Martin works with a wide range of companies from differing business sectors including oil and gas, manufacturing, financial, healthcare, airlines, retail, and technology, to name a few. The one common denominator he finds is that great leadership and purposeful company culture are foundational to success. Dr. Martin has three amazing children from whom he learns on a regular basis. Currently Dr. Martin resides in Dallas, Texas but he has traveled to over 30 countries. He relishes opportunities to improve the position of companies and organizations all over the world.
Don't miss your opportunity to visit over 90 exhibitors as they showcase the latest products and solutions that will provide the answers to your credit union's challenges, all in one location!
Crenshaw Cliffside Course at the Barton Creek Resort & Spa
Deadline to register is Tuesday, March 10.
Golf is back! Putting Fore a Purpose: Support our industry's charity of choice, The Children's Miracle Network, at this fun outing. The natural beauty of the Texas Hill Country is the focus of the Crenshaw Cliffside course located at the Barton Creek Resort & Spa in Austin where you will network with other credit union professionals and scramble to gain high score.
4 Person Scramble with Shotgun Start (teams assigned closer to date of event)
$175 per golfer
Fee includes: green and cart fees, range balls, and lunch.
Cancellation Policy: refunds will be available provided you arrange for a replacement player.
Registration deadline is Tuesday, March 10.
Contact Tamra Fairbrother at 469-385-6632 or email email@example.com.