Leadership Conference & Expo
September 8-10, 2016
San Antonio Marriott Rivercenter
after Aug. 5
Credit unions with assets of $10 million or less as of 12/31/2015 qualify for a free registration. Group registrants must be registered at the same time.
Registration Fee includes: General sessions featuring sought-after speakers, more than 20 educational sessions to choose from, best practices panel discussions, interactive roundtables, expo & welcome Reception, three continental breakfasts and all refreshment breaks, and a chance to win a cash prize at the end of the closing general session (you must be present to win).
Guest Fee includes: Expo & Welcome Reception, three general sessions, three continental breakfasts and all refreshment breaks. 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. This reduced fee is not for co-workers or credit union staff.
Cancellation Policy: Refunds will be granted less a $200 processing fee for cancellations received on or before August 5, 2016. No refunds will be granted after August 5, 2016. There are no refunds for guest fees. Substitutions are always welcome..
Grant Assistance: Visit the foundation’s website for call 800-953-8283 for Cornerstone Credit Union Foundation educational assistance.
101 Bowie Street
San Antonio, Texas 78205
For reservations, call: 877-622-3056
on or before Aug. 5
$209 nightly (single/double)
Group Code: Cornerstone League Conference
When calling to make a reservation, indicate you are with the
Cornerstone League Conference to receive the special rate.
Scam Alert: The Marriott Rivercenter will never call attendees asking for their credit card information. Do not give this information out if someone calls you and asks you for this information. Hang up and call the hotel directly to verify if they called you.
Wednesday, September 7
8:00 a.m. - 5:00 p.m.
2:00 p.m. - 5:30 p.m.
Exhibitor & Sponsor Registration
3:30 p.m. - 5:30 p.m.
Leadership Conference & Expo Registration
Thursday, September 8
8:00 a.m. - 5:30 p.m.
Leadership Conference & Expo Registration
8:00 a.m. - 8:30 a.m.
8:30 a.m. - 10:00 a.m.
Welcome & Opening Session
Rod Staatz, CUNA Board Chair, SECU President/CEO
Opening General Session
Credit Unions – Staying Relevant, Becoming Prevalent
Featured Speaker: Mark Sievewright, Fiserv
10:00 a.m. - 12:00 p.m.
10:00 a.m. - 10:30 a.m.
Refreshment Break in Expo Hall
12:00 p.m. - 1:15 p.m.
Lunch on Your Own
1:15 p.m. - 2:30 p.m.
2:30 p.m. - 5:30 p.m.
2:30 p.m. - 3:00 p.m.
Refreshment Break in Expo Hall
7:30 p.m. - 10:30 p.m.
Friday, September 9
8:00 a.m. - 3:00 p.m.
8:30 a.m. - 9:00 a.m.
9:00 a.m. - 10:30 a.m.
10:30 a.m. - 10:45 a.m.
10:45 a.m. - 12:00 p.m.
Concurrent Sessions I
1. Member Acquisition - A Panel Discussion
Facilitated by Dean Borland, Credit Union Resources, Inc.
2. Card Security & Tokenization - Are You on the Right Track?
Debbie Cook, CO-OP Financial Services
3. Credit Union Directors: Back to the Basics on Fiduciary Duties
Mike Blalack, Blalack & Williams, P.C.
4. The Lending Model that Maximizes ROA
Don Arkell, CU Lending Advice
5. Engaging Young Professionals
James Marshall, Filene Institute
6. Safety, Security, & Social Engineering
Jeff McKissack, Defense by Design
7. Mind Your Own Business with American Share: A Panel Discussion
Facilitated by Dennis R. Adams, CEO/President, American Share Insurance
12:00 p.m. - 1:30 p.m.
Lunch on your own
1:30 p.m. - 2:45 p.m.
Concurrent Sessions II
8. Advocacy - A 360° View
Moderator: Jim Phelps, Cornerstone Credit Union League
Panelists: Jeff Huffman, Reta Kahley, and Nate Webb
9. Enterprise Risk Management: A Credit Union Perspective
David Reed, Reed & Jolly, PLLC
10. Low Score Auto Loans - Good for Members, Good for the Bottom Line
Mark Lynch, National Credit Union Foundation
11. How to Differentiate Your CU in a Crowded Lending Space
Don Arkell, CU Lending Advice
12. The Global Marketplace: Marketing to Expats
Patricia Mercado, OAS Staff FCU
13. Current and Emerging Cyber Threats
Mike Saylor, Cornerstone Credit Union League
14. The Power of Retail Merchandising: Leveraging Your Brand Environments to Grow Your Bottom Line
Elisa Rode, Kearley and Company
2:45 p.m. - 3:00 p.m.
3:00 p.m. - 4:15 p.m.
Concurrent Sessions III
15. What Matters Now™: Insights from Millennials
Alison Fleming, CUNA Mutual Group
16. Vendor Due Diligence and Effective Vendor Management Programs
David Reed, Reed & Jolly, PLLC
17. Leading Edge Board Governance
Mark Lynch, National Credit Union Foundation
18. Liquidity at the Extremes
Mike McGinnis, Catalyst Corporate FCU
19. Between the Lines: What the CFPB's Payday, Small-Dollar, and Vehicle Title Proposed Rule Means to Small Credit Unions
Nathan Behncke, Cornerstone Credit Union League
20. Bridging the Gap between the Marketing and Member Facing Staff
Marella Nardotti, PAHO/WHO FCU
Saturday, September 10
8:00 a.m. - 8:30 a.m.
8:30 a.m. - 10:00 a.m.
1. Lending Roundtable: Lending Disruptors
Facilitated by: Don Arkell, CU Lending Advice
2. Volunteers Roundtable: The Evolving Consumer - Becoming a "Next-Generation" Credit Union
Facilitated by: Howard Bufe, Credit Union Resources, Inc.
3. Operations Roundtable: Active Shooter Preparedness
Facilitated by: Greg Crane, ALICE Institute
4. HR Roundtable: Attracting & Retaining Talent
Facilitated by: Susan Looney, Credit Union Resources, Inc.
10:00 a.m. - 10:15 a.m.
10:15 a.m. - 11:30 a.m.
Are you ready for some football?
And a SuperBowl 50 rematch?
The new season kicks off the same way the last one ended as the Panthers take on the Broncos. We’ll have tailgate style games and a DJ to keep you entertained.
Admission is free for Leadership Conference credit union attendees and their guests.
A transformation is underway in the U.S. financial services industry that will have a dramatic effect on how credit unions do business, how they strategize about their futures and how they collaborate around products, service and information, During his presentation, Mark will highlight industry changes, their implications for credit union leaders and the strategies it will take to remain relevant and become prevalent.
As President, Credit Union Solutions at Fiserv, Sievewright leads teams and solutions that process data and information for one third of U.S. credit unions and a growing number of international clients. In addition, he directs the innovation, development and distribution of value-added financial industry products and services ranging from wire processing to online account opening to Voice over Internet Protocol (VoIP) telephony systems.
Within the credit union movement, Sievewright has worked closely with numerous credit unions, state leagues and associations as well as national and international associations such as CUNA and the World Council of Credit Unions (WOCCU). In 2010, Sievewright was merited the Ambassador Award by WOCCU for his many years of service to credit unions.
With 30 years of financial services industry experience, Sievewright has held senior leadership roles at HSBC in London, MasterCard International in Brussels, and Payment Systems, Inc. where he served as president and CEO. Between 1999 and 2004, he served as president and CEO at the TowerGroup, a leading technology research and advisory firm for the financial services industry.
Sievewright joined Fiserv in 2004 as Corporate Senior Vice President of Market Development for the Company’s Depository Institutions Group. In this role, Sievewright worked with Fiserv management and clients to develop and execute business growth strategies, as well as provide relationship support to key Fiserv clients.
This session not only discusses how GDP growth will perform, what interest rates will do, what savings rates are likely do as well what a whole host of other economic variables are likely to do in the coming year, including: personal income, new automobile sales, new home building activity, but more importantly discusses why. A great deal of time is spent explaining why we are where and why growth has been so sluggish with a detailed discussion of a weak labor market, a lack of lending and poor income growth. Elliot also spends considerable time teaching how you can keep track of the economy by looking at the right variables so that even if his forecast is wrong, you will be able to see what is going, in real time, and not lose the (economic) forest for the (data) trees.
Elliot Eisenberg, Ph.D. is a nationally acclaimed economist and public speaker specializing in making the arcana and minutiae of economics fun, relevant and educational. Dr. Eisenberg earned a B.A. in economics with first class honors from McGill University in Montreal, as well as a Master and Ph.D. in public administration from Syracuse University. Eisenberg, formerly a Senior Economist with the National Association of Home Builders in Washington, D.C., is a frequent speaker on topics including: economic forecasts, economic impact of industries such as homebuilding and tourism, consequences of government regulation, strategic business development and other current economic issues. He is the creator of the multifamily stock index (the first nationally recognized index to track the total return of public firms principally involved in the ownership and management of apartments), the author of more than eighty-five articles, serves on the Expert Advisory Board of Mortgage Market Guide and is a regular consultant to several large real estate professional associations, hedge funds and investment advisory groups. He has spoken to hundreds of business groups and associations, often as keynote speaker. Dr. Eisenberg has been invited to testify before lawmakers and is often asked to comment on proposed legislation. His research and opinions have been featured in Bloomberg Businessweek, Bureau of National Affairs, Forbes, Fortune, and many other publications. He is regularly featured guest on cable news programs, talk and public radio, writes a syndicated column and authors a daily 70 word commentary on the economy that is available at www.econ70.com.
Everyone, it seems, is distracted these days. How about you? Are you trying to skim this, or actually reading it? We need to move from the ADD economy to the attention economy.
The fact is that successful people pay attention. And today few know how to truly do it. In her high-energy keynote, Neen combines sassy Aussie attitude and wicked smart research to teach practical strategies you can apply at work and home.
This session outlines how the art and science of paying attention will:
You will leave with the tools you need and inspired to take action to create more significant moments that lead to more profits for your team and your credit union.
Neen James is a leadership expert who will show you how to profit by paying attention! She’s an Australian obsessed with helping people get more done so they can create more significant moments in life that matter.
Clients including Comcast, Cisco, Virgin, Pfizer, FBI and BMW describe Neen as authentic, energetic and passionate. Neen regularly provides one-on-one consulting and mentoring on topics productivity, thought leadership and women in leadership.
Neen often appears in the media sharing leadership expertise and is a published author of eight books, including Folding Time, Secrets of Super-Productivity, Strategic Networking and Network or Perish.
She earned her MBA from Southern Cross University, Certified Speaking Professional designation from National Speakers Association, received numerous awards in her industry, is a partner in the international education company Thought Leaders Global, and in her spare time serves on several Boards.
American Share Insurance
Join Dennis R. Adams, a panel of Texas credit union CEOs, and the past chairman of NCUA as they discuss how NCUA's role as deposit insurer has impacted the business model of numerous state and federally chartered credit unions across the country. Discover how the nation's only credit union-owned private deposit insurer, American Share, can help you "Mind Your Own Business" in a manner that benefits your members, while still operating a safe and sound credit union. A change to state-approved private share insurance will allow you to operate without any involvement from NCUA. Isn't that worth learning more about?
MCT CU (Port Neches)
Alliance FCU (Lubbock)
CTE CU (Houston)
Dennis R. Adams has been involved in the credit union movement since 1976, and has been President and CEO of American Share since November 1990. In addition to implementing American Share policies, Adams routinely interacts with member credit unions, regulatory authorities, legislative leaders and other key figures in support of the mission of state-chartered credit unions. A Certified Public Accountant and Certified Financial Planner, Adams previously served as the company’s Chief Financial Officer and Vice President of Risk Management. He also serves on the Mount Carmel Foundation Board of Trustees and the Finance Advisory Council of his undergraduate alma mater, Bowling Green State University. Adams holds a master’s degree in business administration from Capital University, and has served as an adjunct professor at three universities.
Thad Angelle has been the CEO of MCT Credit Union since 2010. He holds a Bachelor’s in Business Administration from Lamar University, and is a 2008 graduate of the CUNA Management School. Angelle began his banking career in 1993, gaining experience in consumer and commercial lending at Bridge City State Bank. He started working at MCT in 2004 as a member of the senior management team. His primary responsibility was to establish a commercial lending department for the credit union. He furthered his development by also managing the mortgage and collection departments before being promoted to Executive Vice President. Angelle has held civic and community leadership positions with the Orangefield ISD Board of Directors, the St. Helen Finance Council and the Bridge City Rotary Club. He has served as President of the Bridge City Chamber of Commerce and the Lions Club, and has been an officer of the American Red Cross. Angelle is currently a member of American Share’s advisory council.
The vast majority of credit unions were not “Born Digital”. With one foot in the past and one in the future, many credit unions struggle with attracting and growing direct loans. Learn how the most successful credit unions are maximizing remote delivery to increase sales. “Convenience” has been redefined. This thought provoking session will challenge management about how they currently deliver lending today and how they need to deliver in the future.
Lending is becoming a commoditized business. How do you keep top of mind in your member’s mind for a loan while still earning yield? What keeps members coming back to you time and again? If members can get loans anywhere, why would they come to you? In this session, Don will talk about the greatest competitive advantage that top performing credit unions have...
Many companies like Uber, make it easy for consumers to apply for and receive loans online and through mobile devices. Hear how companies like Uber and other non-traditional lenders are changing our members' expectations. Join Don Arkell from CU Lending Advice as he leads the discussion with your peers and learn how credit unions across the nation are meeting this challenge head on.
Don Arkell started his career in the Credit Union industry working as a frontline lender at Clark County Credit Union, in Las Vegas Nevada. While at CCCU, Don quickly moved through the ranks at the credit union, working in all areas of Sales and Lending. He eventually founded a CUSO owned by CCCU– Members Auto Brokerage Service, Inc. Taking a break from the industry, Don established himself in the Pharmaceutical and BioTech Sales arena working for both Fortune 50 and startup companies. He was recognized for his sales abilities winning several national Sales Awards and mentoring Sales Teams. After years in the world of Biotech, he couldn’t resist the call of the Credit Union once again. Don joined up with Red Rocks Credit Union in Highlands Ranch, CO in 2007 and helped RRCU to establish a vibrant Sales culture while transforming the Credit Union from full retail delivery to offering 100% of consumer loans and member service through remote delivery channels. This effort drove down operational expenses while increasing loans, total assets and net income. During the difficult economic times of the last decade, Don Arkell navigated the organization through the muddy waters of the mortgage business by overhauling the entire Real Estate Lending program. Focusing on the core values of the organization, Don completely rebuilt this vital area of the organization by implementing a successful Consultative Lending strategy. Don’s efforts are credited with turning this failing area around and growing into the most profitable area of the credit union.
Small-Dollar, Big Issues: Offering the Best Response to the CFPB’s 1300-page proposal
This session will cover:
Nathan Behncke joined Cornerstone in 2013 as an advisor on legislative, regulatory, and compliance issues. Nathan also assists credit unions in understanding complex legal and regulatory compliance issues through Cornerstone’s Information Central. Information Central offers a hotline for all credit union staff, a compliance newsletter, website, online compliance manual, training and more.
Prior to joining Cornerstone, Nathan worked in the U.S. Bankruptcy Court, Northwestern Mutual, and several years in collections and auditing for Mercedes-Benz. Nathan has a Bachelor of Science degree in Criminology from Kansas State University, is a graduate of the University of Kansas-School of Law with a focus on Business Law, and is CUNA BSACS and CUCE certified.
Regulatory expectations for credit union Directors have never been higher. In this fast paced session, credit union attorney Mike Blalack will provide Directors with a basic foundation for understanding their fiduciary duties and responsibilities and then also provide practical recommendations on how Directors can actually fulfill those fiduciary duties and responsibilities.
Mike Blalack is a credit union attorney from Dallas, Texas, with the law firm of Blalack & Williams, P.C. He is a graduate of the SMU School of Law and has been representing credit unions for over 35 years.
Mr. Blalack’s practice is limited almost exclusively to the representation of credit unions and his firm represents well over 200 credit unions. The firm consists of ten attorneys, supported by a seventeen person support staff, who assist their many credit union clients with advice and counsel on operational, regulatory, bankruptcy, collection, and compliance matters on a daily basis.
Mike provides collections training in-house for credit union staff as well as at Conferences extensively throughout Texas for the Cornerstone Credit Union League and he is consistently one of the League’s highest rated speakers.
In addition to his collections, regulatory and compliance training, Mike also regularly advises, counsels and trains the various Boards of the many credit unions which he represents. He presents onsite training for Directors as well as Conference training. His Director training focuses on practical advice designed to help volunteers properly fulfill their fiduciary duties and avoid liability.
We all need to acquire new members to make our credit unions successful. Join a panel of credit union professionals of different asset sizes as they share their successes in obtaining new membership, whether it’s from direct marketing, indirect lending, or other avenues. Facilitator Dean Borland will lead this panel discussion as he helps navigate the ways to increase the membership landscape. Don’t be left without good direction to increase your membership.
Dean Borland is a 40-year credit union professional with a background in operations, strategic planning, total quality management, service, sales, and marketing. Dean is an Award of Excellence graduate of Southwest CUNA Management School, a member of the SCMS faculty, and a credit union Development Educator. In his current role at Credit Union Resources, Dean works with credit unions and suppliers to identify product and service opportunities help credit unions achieve their goals, and provides credit union training and strategic planning facilitation through OnBalance.
It's critical to your credit union's relevance and success to understand the consumer's evolving expectations and experiences when it comes to their household finances. Your credit union's ability to be competitive and dynamic in the future will require courage, agility and the ability to change our traditional way of thinking and our dated business models. It will require the vision to adapt and the commitment to allocate the resources to apply digital technologies. The convergence of mobile technology, social media, big data and cloud computing is changing the way consumers live, work and communicate with each other. Challenged with new technologies and increased competition, credit unions are rethinking the proper path to success.
Howard Bufe is Assistant Vice President of OnBalance, a department of Credit Union Resources Inc., a subsidiary of the Cornerstone Credit Union League. OnBalance provides professional planning, consulting and training. Howard also works as a Financial Analyst for ALM Resources a department of the Cornerstone Credit Union League providing analysis, commentary and guidance for individual credit unions. Howard has also provided consultation and training for management and staff of both the Barbados and Jamaica Co-operative Credit Union Leagues. Howard has worked in the Financial Services Industry 30 years. His experience includes Assistant Controller, Financial Analyst, and Trainer. Howard earned his Bachelor of Science degree in Accounting from Lubbock Christian University.
In this session, Debbie Cook, Account Executive of Product & Technology with CO-OP Financial Services, discusses fraud, data breaches, EMV, tokenization, wallets and how to better educate your members.
Debbie has been employed with CO-OP Financial Services since August 2016. She has served in the credit union industry for 20 years. She started her credit union career at the Arizona Credit Union League as a Financial Services Consultant, and then moved onto Harland Clarke as a Senior Account Manager for many years. Prior to her current position she worked as a Business Development Account Manager for CU Service Network, a CUSO and business partner of CO-OP. She lives in Parker, Colorado and provides EFT strategic positioning for CO-OP’s business development groups.
This session is designed to show proactive survival strategies for violent intruder or active shooter incidents. An instructor from the ALICE ("Alert, Lockdown, Inform, Counter, and Evacuate") Institute will provide individuals with survival enhancing options for those critical moments in the gap between when a violent situation begins and when law enforcement arrives on scene. The instructor will then facilitate a Q&A following the presentation.
Greg Crane is the founder of ALICE (Alert, Lockdown, Inform, Counter, and Evacuate) training program which he developed to keep his wife's (an elementary school principal) school safe after the events of Columbine. He later founded Response Options, a training company dedicated to the safety of staff and students. As part of a major business expansion in 2013, Crane continues his work as president under the name ALICE Institute. The new name leverages the good-will and national acceptance of the ALICE training program. Crane can often be found speaker at national events and conferences across the U.S. With more that 25+ years of experience as a law enforcement officer and security consultant, he has firmly established himself as one of the foremost school safety and active shooter specialist in the nation. To his credit ALICE was the very first training program in the country that provided staff and students with optional responses to an active shooter gaining entry into a classroom – other than a lockdown-only approach that entails sitting against a wall or under a desk.
What matters most to Millennials? Millennials are often described in generalizations, but this is a generation with a variety of needs. Making up 25% of the US population, they cut across life stages with almost half being parents. And of those Millennial parents, nearly 4 in 10 are likely to be in the market for a new car in the next 18 months.
What Matters Now: Insights from Millennials builds upon our 2015 research which revealed how middle-income Americans define success. This year, we’ll provide a deeper understanding of Millennials and what matters most to them. Credit unions will gain in-depth insights about the motivations, worries and hopes of different Millennial groups that will inspire them to engage and evolve with their Millennial members and potential members in new and different ways.
Alison Fleming is a TruStage sales specialist for CUNA Mutual Group. In this role she provides expertise on the TruStage program and products to account managers and their credit unions, and is based in Hope Mills, North Carolina. Alison began working at CUNA Mutual Group in 1997 as marketing manager of the National Association of Retired Credit Union People program, which provided a package of benefits to members over the age of 50. She has worked in all facets of the TruStage program, including marketing strategies, product marketing manager, sales officer, and sales specialist since April, 2006. Prior to joining CUNA Mutual Group, Alison was the director marketing for the Card Services Group of CUNA & Affiliates for four years working directly with credit unions to develop credit card programs and build card portfolios using pre-approved marketing programs. Before that, she spent seven years in the advertising industry, specializing in financial services. Alison earned a bachelor’s degree in Marketing and English from the College of St. Catherine in St. Paul, Minnesota. In addition, she has been featured as a speaker at CUNA Mutual Group’s annual Discovery Conference on direct marketing of financial services.
Michael E. Fryzel served on the NCUA Board for six years and was its Chairman during the 2008-2009 financial crises that impacted both corporate and natural person credit unions. Fryzel is an attorney and consultant to the financial services industry with offices in Chicago, Illinois. He is a former Director of the Illinois Department of Financial Institutions and was as a member and chairman of the Illinois Governor’s Board of Credit Union Advisors serving three different Governors. Fryzel was also a Commissioner of the Illinois Court of Claims and a prosecutor for the Illinois Secretary of State. He holds a Bachelor of Science degree in Business Administration from Valparaiso University, an MBA from the University of Chicago and a Juris Doctor degree from Loyola University of Chicago School of Law. Fryzel is a frequent contributor to the Credit Union Times, Credit Union Journal, CU Today, CU Insight and other financial service publications.
More information coming soon.
Reta M. Kahley is the President of the Arkansas Credit Union Association, a subsidiary of the Cornerstone Credit Union League. The Association is located in Little Rock, AR. Prior to the League consolidation of the Texas, Arkansas, and Oklahoma Leagues, Reta was the president of the Arkansas Credit Union League, a position she has held for over 14 years. She has devoted the past 28 years to serving credit unions, and has a passion for helping credit unions grow their business.
Prior to her service with the League, Reta spent 3 ½ years as Vice President of Administration with Members Choice Credit Union in Houston, Texas, and 10 years as Vice President of the Wyoming Credit Union League in Casper, Wyoming, where she was responsible for all education and training, human resources, board planning, and public relations for the League. She has extensive public speaking experience, conducting training classes for other Leagues as well as speaking at chapter meetings and board meetings. Reta has been active at the state and national level, serving on a number of CUNA and AACUL committees as well as volunteering at her church.
She grew up in Black Rock, Arkansas and graduated from Union University in Jackson, Tennessee with a BA in English and Secondary Education. She also attended Arkansas State University where she studied for a Master of Arts degree in English.
Jackie Kapalski has been part of the credit union movement for over 40 years. Even though she has been in management most of those years, she has always enjoyed interacting with the membership. The philosophy of “People Helping People” is her motto as well. Kapalski started at a small church credit union and then moved on to a hospital credit union. She worked at Phillips Employees Credit Union for 13 years prior to coming to CTECU (formerly known as: Chevron Employees Credit Union). Kapalski has been at CTECU for 23 years. She enjoys traveling and spending time with her family. She has six siblings and feels she has been blessed and humbled by the blessing of a large family. Kapalski is currently a member of American Share’s advisory council.
The most important asset a credit union has is its people. And a good staff member is the best asset of all. This Roundtable will look at ways credit unions can best attract and retain the high level performers. Come learn from your peers and share ideas on best practices on attracting and maintaining great employees.
Susan Looney is a graduate of the University of Kansas, where she received a BA in Personnel Administration. After graduation, Susan worked in the Human Resources field in many capacities. Susan joined Credit Union Resources, Inc. in June 1996 and is currently Sr. Vice President of Human Resources for Cornerstone Credit Union League and CU Resources, Inc. Susan oversees Cornerstone CU League and CU Resources Human Resources function, oversees all CU Resources, Inc.'s services departments and also works with credit unions in providing human resources consulting.
She is a member of the Society for Human Resource Management and a past Executive Committee member of the CUNA HR Council. Susan served as a board member for Metroplex Credit Union from 2005-2010. Susan received her certification as a Senior Professional in Human Resources in 1998 and SHRM-SCP in 2015.
As credit scores decline, more members and potential members are in the market for non-prime auto loans. Credit unions only have 5% of this market and are missing enormous lending opportunities. In this program, Mark uses his experience working in the National Credit Union Foundation’s REAL Solutions program to:
Board directors today need more than just the basic skills and knowledge. They also need to know how to ensure their board has the governance processes to ensure the long term viability of the credit union. Regulators will require higher levels of governance practices in the future.
In this program, Mark:
Mark uses his vast experience to have directors aiming for the best and most modern board governance practices.
Mark is the Senior Program Manager at the National Credit Union Foundation. He has been a credit union member for 39 years and a credit union board director for 22 years. Prior to moving to the US from Australia, he was the Deputy Chairman of the Australian National Credit Union, then Australia's largest credit union and the Volunteer & Resources Manager with the Australian Credit Union Foundation. He also served on the boards of two other cooperatives and the academic council of a business college.
Since moving to the US 10 years ago, Mark has delivered more than 500 presentations to credit union conferences in 48 states, predominantly on issues relating to growth strategies, board governance, credit union philosophy, serving the undeserved, and taxation. His passion for cooperatives and the credit union movement has launched him into his career at the National Credit Union Foundation. For the last 8 years, Mark has worked as a Field Coach with the National Credit Union's REAL Solutions Program to help credit unions develop programs and services aimed at low wealth households, as well as the non-prime auto lending pilot, and retirement experiential learning programs.
Engaging young professionals in the current marketplace should be mission critical to credit unions. With an ageing membership base; credit unions need to consider succession planning, leadership development and engagement for younger employees so that they are able to attract that key membership demographic. In this session, hear about some best practices and what credit unions around North America are doing to engage their next generation if leaders and walk away with some action points for you to implement.
James is the Manager of The Cooperative Trust at Filene Research Institute. The Cooperative Trust is a community of young people who work in credit unions and cooperatives founded by Filene, with over 1100 members worldwide. He focuses on bringing sustainability and longevity of the Trust as well as increasing its profile as it moves into the next stages of development.
James' other area of focus at Filene is young adult research. Looking at the challenges that face credit unions when it comes to young adults as members, volunteers and employees.
Before joining Filene and the Trust, James was the head of marketing at Plane Saver Credit Union in London, one of the largest credit unions in the UK. Working on a variety of projects, in his 4 years at Plane Saver James helped grow membership by 25%, whilst completely rebranding the organisation and implementing a new strategic direction.
James holds a bachelors degree, with honours from St. Mary's College of the University of Surrey and, in his spare time, been spotted rowing crew as well as playing drums.
Managing a balance sheet is never easy and often trends can be unpredictable. The long low-interest rate environment coupled with highly competitive, but quickly growing credit union lending, has pushed many credit unions to the extremes of liquidity. Concerns include huge loan demand, managing tight liquidity or excess deposits and the challenge of where to invest. In this presentation Mike will discuss some of the sources of liquidity and provide an update on investment sectors.
Mike coordinates the marketing and sales functions of all Catalyst Strategic Solutions and Catalyst Corporate investment services, including advisory, ALM and brokerage services. Joining Catalyst Strategic Solutions in 2004 as a national sales executive, Mike took on increasing responsibility over the years before transitioning into his current position in 2012. He began his credit union industry career in 1996 with CUNA Mutual Group, working with member brokerage and insurance programs, credit union marketing, lending solutions, employee benefits and credit union insurance coverage. Mike has a Bachelor of Arts degree in economics from Southeastern Louisiana University and a master's degree in accounting from the University of Texas at Dallas. He holds FINRA Series 7, 63 and 24 securities licenses.
When we hear of data breaches, we often thing "cyber attack", but the two are not the same. How is it possible for someone to walk in and out of your branches with sensitive personal and financial information without even raising a question or concern? This presentation will definitely have you thinking twice as to who enters and leaves your branches, what hidden agendas they might in doing so, and how you can better educate your staff to mitigate such risks.
Jeff McKissack is a noted authority on the subjects of profiling and threat assessment. For 29 years Jeff has personally addressed over 350,000 in live audiences as well as countless others through radio and television interviews as well as news programs. Jeff is a contributing writer to several state and national trade publications and author of the book, Power Proverbs for Personal Defense. In addition, Jeff regularly offers continuing education programs to a diverse cross-section of professionals including those in the financial, medical, legal, educational, real estate, human resource, risk management, and insurance fields. His company, Defense By Design, offers both consulting services as well as employee training programs to help mitigate risks and reduce liabilities related to potential claims of negligence in instances of workplace violence and/or data security. Additionally, Defense By Design offers value-add events to clients and members, thus addressing both HR and PR operational elements. But Jeff best sums up his work and mission by saying, "My goal is to help you spot trouble 'before' trouble spots you", which is a message beneficial to us all.
Join Patricia Mercado, Marketing Officer with OAS FCU, as she discusses marketing approaches opportunities to expats (mainly from Latin-America) living in the US and abroad. Her Credit Union has 46% of its members abroad, which forces them (and her) to be very creative not only in order to understand their members’ unique needs, but also to implement products, services, strategies and procedures to serve them worldwide; all of which are developed using targeted communications that are simultaneously delivered in English and Spanish. As OAS FCU’s everyday work becomes a trend that will only grow in future years for other organizations, as the financial services market catches up to globalization, institutions have to start developing solutions to help these new memberships.
Patricia Mercado brings 15+ years of experience and passion for understanding local and global members’ needs and market trends in the financial industry; she combines user experience, design thinking and market research to create business opportunities.
Currently Patricia is the Marketing Officer and Business Development Coordinator at OAS FCU. She is responsible for all the marketing activities as well as implementing innovative strategies, product design and service methods that allow her credit union to stay competitive in a transforming industry. In her works she envisions different ways to help her credit union be more efficient, transparent and consistent with the vision of the brand, which allow OAS FCU to deliver meaningful experiences and excellent member service to members all over the world.
Born in the U.S. raised in Colombia by Bolivian and Belgian parents, Patricia understands diversity, culture, and traditions. She holds a Master degree in Marketing from Johns Hopkins University in Washington DC.
No marketing executive ever wants to hear the phrase, “what marketing campaign?” from their front line staff! Creating the most attractive, savvy, and attention-grabbing campaign that will drive profit, will lose all value if it is not well communicated throughout the organization. Many of us make the mistake of assuming that the marketing pieces we worked so hard to distribute were reviewed and understood by our member facing staff – the primary and most important connection our members have with us.
How do you bridge that gap and create that ultimate cohesion? Marella Nardotti will discuss the strategies that will help you bridge the gap and enhance the communication channels between your marketing department and important front line staff. Enhancing this relationship will not only increase knowledge and awareness of your products, promotions and campaigns, it will help your staff cross-sell more effectively, which will drive your profit margins and ultimately your bottom line.
Marella Nardotti is the Director of Marketing and Administrative Services at the PAHO/WHO Federal Credit Union in Washington, D.C. Marella oversees all marketing related aspects of her credit union including the development and implementation of marketing plans consistent with the organization’s growth strategy that is catered to an international field of membership. Her credit union recently received an award from the Maryland and District of Columbia Credit Union Association in recognition of their rebranding and new website projects.
Marella was born in Athens, Greece and moved to the United States in grade school. She holds a Bachelor of Arts degree in International Business with a Minor in Spanish from Lenoir-Rhyne University and a Masters in Business Administration from the University of Maryland University College. She has completed several credit union leadership schools including CUNA’s Marketing Management and NAFCU’s National Management and Leadership Institute.
The Cornerstone Association Presidents will offer their perspectives on the 2017 state legislative sessions and congressional-level issues affecting credit unions. We will also hear from credit union professionals about their efforts to build “political capital” and the legislative issues they deem most important to their credit union.
Jim 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, and helped to develop the League’s Young Professional initiative for credit union professionals under age 35.
Jim is a graduate of Northern Illinois University in DeKalb, Illinois, and is a Certified Association Executive (CAE).
Risk is the simply the possibility that an event will occur and negatively affect the achievement of your credit union’s objectives and it remains the central focus of NCUA examinations. Yet in our current environment no phrase has been so often used and, yet, misunderstood as enterprise risk management (“ERM”). ERM is a process implemented by a credit union’s board of directors, management and staff and applied at a high level across the enterprise. Is it the “Holy Grail” of risk management or is it simply the combination of your existing compliance programs? In this session you will learn the basics of a high level, credit union wide risk management program and to identify significant strategic issues that are important for your credit union to successfully integrate into its risk management program.
This is an NCUA HOT TOPIC for the next year as well! Every credit union entrusts its most sensitive member information to third party vendors. This presentation examines the regulatory requirements for vendor due diligence and the details of creating an effective vendor management program. I can customize the presentation to focus on the needs of executives, managers and Directors and Supervisory Committee members. Depending on the length of the session, it is also possible to add elements of basic vendor contract negotiation to this material. This topic can be combined with the below topic and be presented in a one day session that highlights operational gains from effective vendor management.
Attorney, author, consultant and nationally recognized speaker, David A. Reed is a partner in the law firm of Reed and Jolly, PLLC and founder of CU Doctor, a full service credit union consulting practice. Through Reed and Jolly, Mr. Reed provides guidance to credit unions concerning a variety of matters including the establishment and revision of credit union policies and procedures, organizational compliance, collections, security, contractual agreements, regulatory matters and corporate governance. His engaging speaking style has garnered him status as a regular lecturer nationwide on topics such as regulatory compliance, consumer lending, bankruptcy and collections. And, he offers facilitation services and a full range of on-site training programs that can be delivered to the Board, executive team, managers or frontline staff. A former trial attorney and Vice President and General Counsel of a large credit union, Mr. Reed is particularly noted as an expert in the areas of credit union operations, bankruptcy and collections. He has been selected to train NCUA Field Examination and Audit Staff on numerous issues including ID Theft Red Flags, S.A.F.E Act, Third Party Contract Management and Bankruptcy matters. He also serves as editor of several industry manuals including Practical Guide to Bankruptcy: Protecting the Bank Against Bankruptcy-Related Losses, Collections Manual for Credit Unions; Debt Collection Manual: Regulations, Law and Best Practices; and Bankruptcy Guide for Credit Unions. Mr. Reed received his undergraduate degree from Virginia Tech in 1986 and his Juris Doctorate from George Mason University School of Law in 1989. He is a Certified Compliance Officer. He resides in Fairfax, Virginia with his wife Diane and their twin daughters. Also a member of the credit union family, his wife, Diane, is the VP of Administration for Arlington Virginia Federal Credit Union.
In today’s competitive marketplace, your branch environments are one of the most important opportunities you have attract new members and grow relationship with existing members – this means more than flashy fixtures and expensive signage. Effective retail merchandising appeals to all the senses and extends to an active front line team. Are you missing opportunities in your branches? From current trends in retail merchandising to simple (low cost or cost-free) steps, we’ll outline some ways your credit union can improve the branch experience to help grow your membership.
Elisa Rode is the president of Kearley and Company – a full-service, credit union focused marketing firm serving clients nationwide. Elisa and the Kearley team have helped to build credit union brands of various asset sizes across the country. Her work has won several ADDY, Diamond, Golden Mirror and Lone Star, and Cornerstone awards. Elisa is involved in the American Advertising Federation(AAF), and is a past-president of the AAF Fort Worth Chapter. She is also a member of P.E.O and volunteers for the Tarrant Area Food Bank. Elisa is a graduate of Texas Christian University, and is generally spotted wearing some shape of purple.
Scott Rose is a leader, teacher, inspirational speaker and creator of Ruddered for Success at www.scottleerose.com. His leadership career spans 25 years and counting. Currently, Rose is CEO of ALLIANCE Federal Credit Union in Lubbock, Texas and a Trustee on the Board of the Cornerstone Credit Union Foundation. He served terms on the Board of Directors of the Texas Credit Union League and Credit Union Resources, Inc. He is the former president of the Tyler Area Chapter of Credit Unions having created Credit Union ACE: Advocate, Collaborate, and Educate. Rose is an avid teacher on several fronts. He teaches financial life principles at high schools, colleges, and universities. He supports, promotes and leads the way for students and young adults to embrace fiscal accountability. Rose is featured on the local NBC affiliate’s Money Minute. He is the author of The 3 Ts of Success…Talent, Training, & Time and Overcoming Everest. A winner of over 60 state and national marketing awards, Rose speaks on many relevant subjects at state and national conferences. Along with a Bachelors of Business Administration degree from Amberton University, Rose is a Certified Credit Union Executive (CCUE), Certified Financial Services Professional (CFSP), and Credit Union Development Educator (CUDE). Also he is a Certified Chief Executive (CCE) having graduated the CEO Institute held at The Wharton School, Cornell University, and the Darden School of Business.
This presentation will cover recent trends in cyber security threats, including the evolution and convergence of various cyberattacks.
Mike Saylor possesses over 22 years of diversified business experience, with both domestic and international companies, in IT operations, Technology Risk Management and Cyber security disciplines. Mike is the current President Emeritus of the FBI’s North Texas Infragard program, a member of the Cyber Crime Committee for the North Texas Crime Commission, and Professor and Guest Lecturer in Computer Science and Cyber Security for several North Texas Universities. Mike’s experience covers numerous industries, including Energy, Telecom, Financial, Healthcare, Retail and Entertainment, Local and Federal Law enforcement, Manufacturing, Utilities, and Government organizations. B.S. Information Systems from UT Arlington; Master Criminal Justice UT Dallas; Certified Information Systems Auditor and Certified Information Security Manager.
Nate Webb is President of the Oklahoma Credit Union Association, a division of the Cornerstone Credit Union League. In that capacity he supervises the league’s Oklahoma advocacy and political operations. Nate has extensive experience in both politics and journalism.
Prior to joining Cornerstone, Nate was a partner at Capitol Gains LLC, a contract lobbying firm representing Oklahoma credit unions at both the state and federal level. Prior to his return to Oklahoma, Nate served in Washington D.C. as chief of staff to a member of the U.S. House of Representatives. He has also worked as senior staff on several statewide, congressional and legislative campaigns.
Prior to joining the political world, Nate was a respected broadcast journalist working in a variety of markets including Oklahoma City, Orlando Florida, Augusta Maine and NASA’s Kennedy Space Center.
Nate’s is a member of the Downtown Oklahoma City Rotary Club, serves on the board of the Juvenile Diabetes Research Foundation and is an Advisor to the Barbara Bush Foundation for Adult Literacy.
Nate studied political science and journalism at both the University of Maine and the University of Central Oklahoma. He was a delegate to the Republican National Convention and is a member of the Capitol Hill Chiefs of Staff Alumni Association. For his work in journalism Nate received awards from several organizations including The Associated Press, The Oklahoma Association of Broadcaster and the Florida Association of Broadcaster.
Nate is a veteran of the United States Navy where he specialized in advanced avionics. During his service Nate was the recipient of both a personal and unit commendation and meritorious advancement.
Let’s face it. Credit unions have never been known as innovators. At best we hold the title of "Fastest Follower." But is that good enough?
The problem with innovation in credit unions? Our very structure makes sure that we protect the status quo, agree to things we don’t necessarily agree with just to get out of a meeting. We are surrounded by objections to any change "We tried that already" or "I don’t think we can do that - the examiners..." And sadly we continue to be held hostage by our core processors "We can’t do that because the computer system can’t handle it."
In this session Denise shares her journey of innovation and creation as a member of the i3 Filene Research team. She learned the discipline of solving real problems with solutions that matter and are scalable.
For the past 30 years, Denise has inspired, created, and driven change in the world of cooperatives. She has published two books Tattoos: The Ultimate Proof of a Successful Brand, and The 2020 Vision of Marketing: a Focus on Purpose, spoken in front of hundreds of audiences in 50 states and three countries, and consulted with credit unions and other cooperatives of all sizes to develop brands, member loyalty, and relevancy. A certified Net Promoter Score® Associate, Denise was instrumental in organizing the credit union-owned Member Loyalty Group, one of the industry's leading examples of what the sixth cooperative principle makes possible.
When Denise worked as VP Marketing for First Tech Credit Union, she changed the department sign to read “Cult-ivation”...and got a lot of crap for it. But she had realized that marketing, at least in the traditional sense, was dead. She was sick of a 99% failure rate on direct mail. She was sick of fishing the same waters for the same fish every other financial institution set their bait. She knew that to survive, credit unions had to cultivate a group of like-minded people and serve them better than competitors were willing, and able, to do.
She began working with cooperatives as a teller at a small government employee credit union in Portland, Oregon. The cooperative values of not for proﬁt, not for charity but for service resonated with Denise. Knowing that whether you are processing a loan, advising members on investments, or helping people live within their means, what she did mattered. Five years at the Credit Union Association of Oregon during a critical legislative period honed her PR and communication skills.
Eventually Denise decided to create her own consulting business based on the premise that corporations don’t have values, people do - and the values that are at the heart of the cooperative movement are good for business and the economy. As a Culture Consultant Denise helped cooperatives identify their true values and created metrics and accountability around those filters.
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!
Canyon Springs Golf Club