Financial Performance & Risk Management Proven Techniques ... · PDF fileFinancial Performance & Risk Management Proven Techniques for ... and tying to the reward system is a key step

AMIfs ANNUAL CONFERENCEFinancial Performance & Risk Management

Proven Techniques for Balancing Risk and PerformanceRISK • INTEGRATED PROFITABILITY • COST • REGULATORY REPORTING • TREASURY MODELS

FUNDS TRANSFER PRICING • CAPITAL MANAGEMENT • CUSTOMER ANALYTICS • DATA QUALITY

APRIL 26-28, 2017 • ORLANDO, FLORIDA

www.AMIfs.org

O R L A N D O

APRIL 26-28, 2017FINANCIAL PERFORMANCE

& RISK CONFERENCE

APRIL 26-28, 2017FINANCIAL PERFORMANCE

& RISK CONFERENCE

The conference was so valuable for me as a first time attendee that I will come back on my own dime if my manager decides to send others from our group.

www.AMIfs.org 32 www.AMIfs.org

HANK YOU FOR JOINING US at the 2017 Financial Performance & Risk Management Conference. This annual event, developed by AMIfs, offers a superior educational experience to the financial services industry. Each year we

strive to ensure that this event provides critical insights, best practices and is on the leading edge of education, enticing the most experienced and professional speakers to address our audience. From Regulatory pressures to shrinking margins, today’s bank leaders face a variety of challenges.

Discover how to minimize uncertainty and risk to maximize growth and create value. Learn how to deploy data into valuable tools that provide real business insights to help you define and execute performance-driving strategies. Explore ways to better understand your customers, your performance metrics and your competition to best position your institution for growth.

You will hear directly from top experts, consultants and your peers on how to take advantage of every opportunity to yield greater profitability and performance when faced with fluctuating interest rates and the uncertain yield curve. You’ll acquire up-to-the-minute strategies that will reduce earnings volatility and increase profits. Plus, you’ll learn how to capitalize on business opportunities in new and existing customer segments.

Using Information to Improve Bottom Line PerformanceCONFERENCE OVERVIEW

ABOUT AMIfs

The Association for Management Information in Financial Services (AMIfs) is the pre-eminent organization for management information professionals in the financial services industry. For 37 years, AMIfs has provided a unique opportunity for financial services professionals to exchange their knowledge and experience. AMIfs has an outstanding reputation in providing high value information, education and training to financial services companies. For more information, visit www.AMIfs.org.

CONFERENCE FOCUS

PERFORMANCE MEASUREMENT& MANAGEMENT MODELS

TREASURY/ RISK MODELS

DATA/BUSINESS INTELLIGENCE MODELS

Integrated Profitability

Reporting By: - Line of Business - Product - Customer - Related Customer

Advanced Costing

Operational Analysis

Planning & Forecasting

ALM

Credit Risk

Liquidity

Planning & Forecasting

FTP

Capital Planning

Basel

Loss Forecasting

Risk Analysis

Regulatory Reporting

Data Architecture to Support Finance

Customer Analytics & Trends

Dashboard Reporting

Enterprise Data Strategy

Data Quality


OPTIONAL PRE-CONFERENCE AGENDA

WEDNESDAY, APRIL 26, 2017PRE-CONFERENCE AGENDA 1/2 DAY WORKSHOPS (OPTIONAL / MUST BE PRE-REGISTERED)

8:00-6:00 CONFERENCE REGISTRATION / ATTENDEE ARRIVAL MAJESTIC PALM FOYER

8:30-11:30 PRE-CONFERENCE WORKSHOPS*Fundamentals of Funds Transfer Pricing MAJESTIC PALM ABCSpeaker: Jamie Garza, PwCThis pre-conference workshop will focus on the fundamentals of funds transfer pricing and is applicable to attendees:

• Looking for a refresher course• Analysts from institutions from all sizes looking for an introductory course• Desiring to learn new regulatory considerations

Through a variety of case studies and examples, topics covered in this session include:• Analysis of industry• Determining appropriate yield curves and rate adjustments• FTP methodology concepts• Accounting for contingent liquidity risk• Analysis of the FTP mismatch center• Incorporating into Planning and Forecasting• Integration into product and client profitability

Introduction to Data Modeling: How to Organize the Data MAJESTIC PALM D Best practices to support Profitability / FinanceSpeaker: John Parker, IBMThis workshop will provide a core understanding of the practice of modeling your organizations data for the ease of use for the business and how that translates into supporting the creation of profitability metrics. You will obtain a better understanding of the best practices in the organization of your bank’s data. The workshop will focus on:

• What is data modeling and why should I care• What are the best practices in data modeling• Using data to approach the Profitability Model• How IT & Business Owners should work together to make data a corporate asset• The advantages to the organization of well-organized and accessible data to

pursue modeling for profitability• How data modeling fits into the overall data governance process• How the Business Owner impacts the data model

9:30-11:30 AMIfs BOARD MEETING VALENCIA

11:30-12:30 WORKSHOP ATTENDEES: LUNCH MAJESTIC PALM G

9:00-1:00 ATTENDEES ARRIVAL

10:00-3:00 VENDOR SET UP IN RESOURCE CENTER ROYAL PALM

* Workshops require an additional registration fee to attend.


DAY 1 - WEDNESDAY, APRIL 268:00-6:00 MAJESTIC

PALM FOYERCONFERENCE REGISTRATION

10:00-3:00 ROYAL PALM VENDORS: SETUP IN RESOURCE CENTER

1:00 CONFERENCE BEGINS1:00 MAJESTIC

PALM DWELCOME TO CONFERENCE BY AMIfs PRESIDENT, ROBERT MCDONALD

1:00-2:05 KEYNOTE SPEAKER

MAJESTIC PALM D

Less Wrong: The Art and Science of Sound Decision-MakingSpeaker: Dr. Daniel Crosby, Nocturne CapitalYour brain is both a marvel unmatched by technology and a highly fallible machine unequipped for dealing with modern life. In this engaging presentation, we will examine the psychological and neuroscientific literature around decision-making en route to making our brains work for us and not against us. Specifically, we will cover the pillars of decision-making and examine how cognitive shortcuts can both help and hinder our strategic efforts. They are:

• Ego - The brain is wired to help us feel smart and competent, sometimes at the expense of being thorough.

• Emotion - Emotional cues can shortcut the “thinking” part of the brain entirely and tend to be very sticky.

• Conservation - We are set up to minimize effort, preserve the status quo and avoid loss, even if it hurts our objectivity.

• Information - We misinterpret and misweight data in predictable ways.

Daniel is a behavioral finance expert and sought after thought leader on market psychology, and is the founder of Nocturne Capital. Dr. Crosby created the sentiment and valuation measures that serve as the overlay for Nocturne’s tactical strategy. His ideas have appeared in the Huffington Post, Think Advisor, and Risk Management, as well as columns for WealthManagement.com and Investment News.

2:00-2:15 MAJESTIC PALM D

CONFERENCE CHAIR ANNOUNCEMENTS JANE BLAKE

2:15-3:15 GENERAL SESSION

MAJESTIC PALM D

Breaking Down Credit Modeling Silos and Making Room for CECLSpeaker: Jeff Prelle, ScottradeTreasury, Risk, Credit, Finance, and Strategy all have department specific models to provide bank management with projections. Yet the more modeling teams and data sets expand, the more the modeled projections provided by each area conflict with each other. Why? This session will discuss the future migration of credit modeling from a practitioner perspective and how strategic modeling plans can help areas streamline model plans and save the organization money. What is the intent of CECL and Dodd-Frank regulation and how to strategically leverage regulatory models and make institutions money?• What is CECL? • Best practices in credit modeling – Resource and Constraint considerations• The data challenge facing institutions. Right data, Right accessibility.• Getting ALM, DFAST, Credit and CECL to work in harmony – What challenges await

3:15-3:45 ROYAL PALM RESOURCE CENTER OPENING / SNACKS & REFRESHMENTSGOLD PARTNER


3:45-4:35 CONCURRENT SESSIONS MAJESTIC PALM ABC

Competing on Performance: Deploying Modernized Profitability Measurement and Management to Improve ProfitabilitySpeaker: Indy Weerasinghe, M&T BankRecently, there have been structural shifts in profitability of the banking industry. Against this backdrop, developing business strategy and knowing where value is created or destroyed is essential. The approach to understanding key drivers of performance, creating a balanced scorecard of metrics (integrated with planning) and tying to the reward system is a key step in adapting to the evolving banking environment. This session will discuss:

• Why to focus on profitability now• The approach to creating a modernized integrated profitability

framework and measurement system• Using a fact-based approach to identify and diagnose areas of cost

and revenue improvement and balance sheet optimization• How to drive improved alignment and behavior—from revitalizing

the fundamentals to improving bank profitability, while driving increased accountability, transparency and adoption

MAJESTIC PALM D

Leading Approaches in Liquidity Forecasting and Stress TestingSpeaker: Joe Kennerson, Darling Consulting GroupSince the 2010 interagency guidance on funding and liquidity risk management, regulatory expectations and industry practices surrounding liquidity forecasting and stress testing have evolved. This session will cover:

• Leading approaches to stress-test scenario and assumption development• Integration of liquidity stress testing with other stress-testing activities• Liquidity Coverage Ratio (LCR), enhancements to early-warning systems

or policy and ratio triggers• Highly effective liquidity risk monitoring and reporting techniques• Best practice methods in developing and documenting a liquidity

contingency plan for today’s environment

4:35-4:45 ROYAL PALM TRANSITION

4:45-5:35 CONCURRENT SESSIONSMAJESTIC PALM D

Integrating Budgeting and Planning with ALMSpeakers: Kyle Duckers and John Bogdue, Huron Consulting GroupOften budgets and ALM forecasts have very different perspectives of the future. Plans tend to be aspirational, ALM Forecasts more realistic. Budgets are more focused on expenses instead of Net Interest Margin. This session will discuss how to bridge this divide and help your company adopt industry best practices for bringing together these crucial functions.

MAJESTIC PALM D

Getting Big Results from Small Data AnalyticsSpeaker: Claude Hanley, Capital Performance GroupImproved analytics are crucial to the profitability and growth of community banking. Over the past few years, much attention has been directed to “Big Data”, yet Big Data programs come with significant costs and risks. The key is to develop and employ simple but powerful Small Data analytics that provide meaningful and actionable information.

• Examples of Small Data analytics that provide insights into financial performance, customer and market opportunities, operational efficiency, and delivery channel optimization

• Implementing Small Data analytics in areas such as strategic planning, goal setting, and unit-level performance metrics and scorecards

• Incorporating Small Data analytics into performance management processes to reinforce accountability and performance

5:35-6:45 ROYAL PALM OPENING RECEPTION IN RESOURCE CENTER / SOLUTIONS, NETWORKING BRAINSTORMING, FUN


DAY 2 - THURSDAY, APRIL 277:00-8:00 ROYAL PALM CONTINENTAL BREAKFAST IN RESOURCE CENTER

BREAKFAST SPONSOR

8:00-9:00 KEYNOTE SPEAKER SPONSORED BY:

MAJESTIC PALM D

U.S. Economic OutlookSpeaker: Mark Vitner, Managing Director and Senior Economist, Wells FargoMark’s presentation will provide a general overview of the U.S. economy, including prospects for economic growth, the job market, inflation and interest rates. He will discuss how current events and policies are shaping the future economic landscape of the U.S. economy.

Mark is responsible for tracking U.S. and regional economic trends, producing a Monthly Economic Outlook report and Weekly Economic & Financial Commentary. He provides regular updates on the housing markets, commercial real estate, regional economies, consumer spending, and issues impacting small business. Mark will provide his insights for the years ahead.


9:10-10:00 CONCURRENT SESSIONSMAJESTIC PALM ABC

FTP: Confronting the Confusion Around the Meaning of the Mismatch CenterSpeaker: David Green, Exequor GroupWhen a bank employs FTP, a new business unit called the Mismatch Center is created. Despite the potential to have material earnings and earnings volatility, the Mismatch Center often goes unmanaged. This happens because of ALCO’s failure to appreciate how FTP must function in order to produce accurate and meaningful measures of product and business unit profitability.

• Understand the connection between IRR and LR management and profitability management

• Identify the characteristics of a well-functioning FTP process• Understand the requirements for comprehensive modeling of the mismatch center• Learn how to prevent the manipulation of FTP to bolster pre-conceived notions of

product and business unit profitability• Learn how to enhance the reconciliation of actual performance to forecasted

performance• Understand the evolving regulatory and governance requirements for ALCO

MAJESTIC PALM D

When IT Takes Over Cost Allocations from FinanceSpeaker: Scott Wise, Armada ConsultingThere is a growing trend across industries of IT taking ownership of their own allocations through chargebacks or internal billing. IT cost transparency has long been an issue as the complexity of modern business moves to more technology dependent channels and offerings. IT chargebacks are providing a new consumption lens for organizations to view and control costs of technology services, but without an enterprise governed approach managed centrally by finance, problems arise. This session will cover the following:

• Fundamentals of good IT Cost Transparency and Allocations• Risks of independent accountability without Finance governance• Approach to consolidate cost transparency across all shared services

10:00-10:30 ROYAL PALM RESOURCE CENTER OPENING / REFRESHMENTS



Sales, Attrition and Cross Sales: A Modern Framework for Performance Management Speaker: Dave McNab, FlowTracker Analytics Inc. with co-presenter Roger Rassman, Community First Credit Union of FloridaMost banks struggle to measure the basic drivers of portfolio growth—Sales, Attrition and Cross sales. Using proxies like account opening or cross sell ratios is wildly imprecise as has proven disastrous to some. Today’s bankers need a new framework for performance measurement to accurately focus Sales, Marketing and Finance on the true drivers of portfolio growth. This session will show you how customer centric analysis of cash flow at the account level will revolutionize performance management in your bank. You will learn how some big banks have got it wrong and how even the smallest banks can get it right—using only six fields of data you already have, in just a few months.

• Why a new framework and why now? Quantifying the problem and “war stories” of big banks failing to get their Sales, Cross sales and Attrition measurements right.

• What the framework is, how to implement it, and examples of performance analysis

• Real world experience from Community First Credit Union (Jacksonville, FL)

MAJESTIC PALM D

Preparing for $10 Billion and BeyondSpeakers: Mike Guglielmo, Darling Consulting Group and Kevin Studders, Empyrean Solutions As banks and credit unions approach and exceed $10 billion in assets, there are heightened expectations regarding financial and operational risk management. The degree of change both operationally and culturally, plus the effort required to successfully develop the practices are often underestimated. This session will prepare you for becoming a “DFAST” organization, how to continue to evolve the key risk management practices once there, and how to drive greater strategic performance. Whether $5 billion or $20 billion in assets, you will gain insight beyond limited guidance provided by regulators. Stories of successes and failures will be featured along with ways your organization can develop or improve upon its regulatory compliance challenges, avoid costly mistakes and drive additional performance.

• Right-sizing your institution’s stress-testing efforts, ensuring ongoing regulatory acceptance, and gaining strategic value from the process

• Establishing robust modeling and model risk management (MRM) framework that fosters effective DFAST model development and performance

• Developing a forward-looking dimension to the ERM process that leverages your capital and strategic planning processes


Jane Blake, MacDougall & Blake Inc. – Conference Chair

Angie DeWitt, Associated Bank

Aaron Konetski, CoBiz Financial Inc.

Josh Harris, The Private Bank

Lance Chugg, Mutual of Omaha Bank

Mike Guglielmo, Darling Consulting Group

Rita Bostick, McGuire Performance Solutions/MountainView Company

This Year’s Conference Committee



Integration of Profitability and Risk: A Case StudySpeaker: Stephen Hyde, BBVA CompassFor many Risk professionals the Profitability team was just a thorn in their side. In order to run the Profitability system critical data from Risk, such as FTP factors or accounts with credit level changes, was needed. Yet, profitability information at the “risk portfolio” level was something risk wanted and could use to validate their models. Hence, a year long journey to integrate the two systems / perspectives and provide value to the risk teams. Key points covered in this session include:

• Account-level profitability—the foundation over 15 years• The differences between the needs of profitability and risk • Why integration was necessary• Why both profitability and risk now benefit in the outcomes

MAJESTIC PALM D

Data Governance: Without It You FailSpeaker: Kim Sutherland, Market Line AssociatesData Governance is not an IT responsibility, it’s the Business Owner. The important components include:

• Presence and absence of data• Construct of the data• Enrichment of the data and testing the data• Ownership and knowledge

In this session we will explore the responsibility for the accuracy of all the components—inputs, the rule sets, assumptions, default values as well as the outputs. Knowledge—understanding the effect on the valuation of these same components. Plus the union of systems, finance and business intelligence.

12:30-2:00 ROYAL PALM LUNCH & LEARN / RESOURCE CENTER OPEN / AMIfs ANNUAL MEMBER MEETING

2:00-3:00 GENERAL SESSION PLATINUM PARTNER

MAJESTIC PALM D

The Resurgence of Profitability Analysis in Financial InstitutionsSpeakers: Ken Levey & Bryan Ridgway, Kaufman Hall / AxiomOver the past decade, banks and credit unions have dealt with one of the most difficult and challenging banking environments in history. Many are hopeful that interest rates will start to rise, regulatory costs will begin to decline and the economy will emerge from its long slumber, all fueling sustainable net interest margin and earnings growth in the banking industry. As you prepare for the possibility of better times ahead, now is the time to make sure you truly understand the drivers of your profitability.

• Which customers are most profitable, which products are driving your bottom line performance, which branches are outperforming others, and most importantly why.

• Are you equipped with the information needed to make better decisions and to create a competitive advantage?

• Profitability analysis is once again in the spotlight. We will review several best practices and examples of profitability analysis specific to the banking industry.




Life Comes at You Fast! The Pinnacle JourneySpeaker: Brian Gilbert, Pinnacle Financial PartnersPinnacle Financial Partners was founded in 2000 by twelve Nashville businessmen who wished to create a locally-owned financial firm. Growth has come rapidly. In the last 2 years, Pinnacle has grown from $6B to $11B. By 2018 they will be $20B through M&A. Their journey is a never ending story of re-invention. From Financial Performance, Liquidity, ALM to Capital Planning, they keep retooling and challenging their culture, systems, regulatory mandates, and services. How do they do this? How they keep ahead of the curve?

• What Pinnacle is doing to implement a risk management and stress testing framework to ensure success in its rapid transition from a $6 billion community bank located in only two markets within Tennessee to a $20 billion regional bank located across four states.

MAJESTIC PALM D

Using the Forecast to Better Allocate Resources for Improved ProfitabilitySpeaker: Craig Woker, QRMBanking can be a predictable business in certain ways, and highly unpredictable in others. Unlike many businesses where “known” revenue starts at zero each morning, banks begin the day with a stream of net revenues already locked-in on their balance sheet via multi-year loans and deposits. While these provide recurring revenue, banks face the challenging question of how to invest for the future. As existing volume rolls off, two major concerns arise: (1) Can new volume sufficiently replace maturing loans and deposits, and (2) Will margins on new volume match those of the maturing? Key points covered in this session include:

• Determinations for a logical bottoms-up forecasting process and all eventualities. • Smart investment-allocation decisions with advanced managerial reporting

showing how much ‘locked-in’ profit will roll off each day, month, or year. Including decomposition of changes and repricing.

• Relevant views to which capital may be allocated: Business/Product/Legal Entity, etc.• Anticipation of profitability & funding needs via a Treasury Mismatch Report.

4:00-6:00 ROYAL PALM RESOURCE CENTER OPEN SNACKS & BEVERAGES PLATINUM PARTNER

4:10-5:30 ROUNDTABLES4:10-5:30 ROYAL PALM Topic #1 – “Related Customer” Account Profitability

• What data points do you use to determine the Relationship?• How do you keep your data current?• Can I still get Product and Organizational profitability if I implement “related customer”

account profitability? Same system?

4:10-5:30 ROYAL PALM Topic #2 – Advanced Profitability• What challenges/limitations do other banks face with their profitability systems

and how are they able to resolve those issues? (i.e transitioning to real time, automation, process improvements)

• What level profitability reporting do other banks publish?• Analysis techniques for digging through profitability data. Best practices for

efficiently analyzing information.• Best practices for system upgrades and ensuring smooth transitions.• How to be a strategic partner to the business line. How to make them listen.

4:10-5:30 ROYAL PALM Topic #3 – All Things COST• The slow death of the cost center for costing• Costing Methodologies – i.e., Corporate Overhead, Marketing, Occupancy

– attribution methodologies used for these expenses• Costing models and how they’re applied (i.e. is there region based

costing?)• Why Account-Level costing is necessary even if you only want Product cost


4:10-5:30 ROYAL PALM Topic #4 – All Things FTP• Best-in-class approaches to the FTP methods used for appropriate General

Ledger accounting and risk management.• Appropriate methods to build a financial institution’s Cost-of-Funds curve

inclusive of the base Libor curve and a Term Liquidity Premium spread curve.• Methods for generating best-in-class historical and forecasted Business Unit

and Treasury reports.• How do you allocate Capital?

4:10-5:30 ROYAL PALM Topic #5 – The Future of Risk Management• Regulatory Reform• Risk Management in the age of volatility• FinTech, Technology, Data• CECL: Data challenges. Moving from “incurred loss” to “expected loss”. • Aligning Risk, Profitability and Budget models.

4:10-5:30 ROYAL PALM Topic #6 – Stress Testing and Model Risk (Pre-DFAST, DFAST, CCAR)• Data Management• Quant Methods / Scenario Design• Documentation and Model Risk Management Practices• Future of Stress Testing – changes in Washington D.C.

4:10-5:30 ROYAL PALM Topic #7 – Beyond Budgeting…Forecasting• Challenges of budgeting/forecasting in a rising rate environment• Is bottom up budgeting worth the effort and time?• Revenue versus Cost forecasting. Similarities and differences.

4:10-5:30 ROYAL PALM Topic #8 – Liquidity Risk and Funding• EPS, NSFR, 5G Reporting• Intraday Liquidity• Horizontal Review• US liquidity coverage ratio – what’s new

4:10-5:30 ROYAL PALM Topic #9 – Capital Assignment / ALM Modeling• Economic vs Regulatory vs Book • Primer on Capital Regulations• ALM Modeling• Basel III

4:10-5:30 ROYAL PALM Topic #10 – Data Governance• Who is the best owner of Data Governance? Future trends.• Best tools and approaches• Data Warehouse: populate with bad data or not populate at all? Recommendations• Account level data versus “unstructured” data. Why both?

5:30-6:00 ROYAL PALM RECEPTION / DRAWING IN RESOURCE CENTER / SOLUTIONS, NETWORKING BRAINSTORMING, FUN

7:00-9:00 AMIfs ENJOY YOUR NIGHT ON THE TOWN


DAY 3 - FRIDAY, APRIL 287:00-8:00 ROYAL PALM CONTINENTAL BREAKFAST IN RESOURCE CENTER

8:00-9:00 GENERAL SESSIONMAJESTIC PALM D

There and Back Again: Shifting the Focus of Balance Sheet Management from Compliance to ProfitabilitySpeaker: Ed Young, Moody’s AnalyticsSince the financial crisis regulators have played a significant role in transforming how banks think about risk and profitability. However, we are entering into a new environment where some of these trends may begin to change. This session will outline some of these trends and discuss themes for the future.

• The changing regulatory environment and implications for financial institutions• The challenge of managing profitability in the midst of many regulatory mandates• Migrating to a target operating model built for the future

9:00-9:20 ROYAL PALM RESOURCE CENTER OPEN / REFRESHMENTS


DFAST: Lessons Learned and What We Still Need to LearnSpeaker: Chris Dunn, Associated BankThis session will describe how the DFAST process at Associated Bank has evolved and how they extended their DFAST process to capital management of the bank. Key points covered:

• DFAST Experience at Associated Bank (Loss Estimations, ALLL/PLLL, PPNR)• Extensions of DFAST

> Capital Management Planning> Optimization of Capital Stack

• Beyond Regulatory Capital> Liquidity> Funds Transfer Pricing

• How to fully integrate an enterprise risk management framework for DFAST/CCAR• Improved communication across risk silos (Corporate Treasury, Credit Division,

Operational Risk, Behavioral Modeling)

MAJESTIC PALM D

Interactive Panel Discussion: Future Direction of Data, Hype versus FactPanel: Jane Blake, MacDougall & Blake (moderator) Panelists TBAThis panel discussion will start with a short overview from the Panelists about current trends in Data and why this continues to be a challenge for most banks. Topics to include:

• Insight into the latest tools, technologies, techniques to solve BI and DW challenges• Simplification, Quality & Validation: How to get Technology to understand our needs• Self-service data and the power user

10:30 ROYAL PALM RESOURCE CENTER CLOSING

10:30-11:30 GENERAL SESSIONMAJESTIC PALM D

Banking Trends in a Consolidating IndustrySpeaker: Robert Kafafian, The Kafafian Group, Inc.Thirty years ago the U.S. had approximately 20,000 banks. Now there are slightly less than 6,000. This session will review banking trends for the next 30 years and cover:

• Merger Trends and Integration Issues• Distribution and Delivery Channels• The Impact of Technology• Future Utilization of Management Information

11:30-11:45 MAJESTIC PALM D

WRAP UP AND FINAL GRAND PRIZE DRAWING

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agem

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RO

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NOTES


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PLATINUMKaufman Hall / Axiom Software ......................................................www.axiomepm.com

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LIST OF SPONSORSKAUFMAN HALL / AXIOM SOFTWARE (CP)BOOTH 17 & 18Platinum PartnerKen Levey, Industry Vice President, Financial Institutions 10260 S.W. Greenburg Rd., Suite 710 Portland, OR 97223 503-977-0234 [email protected] www.axiomepm.com

Kaufman Hall’s Axiom Financial Institutions Suite provides sophisticated, flexible performance management solutions for banks and credit unions that empower finance professionals to analyze results, model and forecast scenarios, and optimize organizational decision making. Solutions for budgeting and forecasting, strategy management, incentive compensation management, profitability management and funds transfer pricing, reporting and analytics, and loan portfolio analysis are delivered on a single unified platform.

EXEQUOR GROUP (CP) BOOTH 2 & 3Gold PartnerDavid Green, Managing Director 109 Riverside Dr. New York, NY 10024 404-966-0054 [email protected] www.exequorgroup.com

The Exequor Group is a consultancy with industry verticals in Life Sciences and Financial Services. The Financial Service practice specializes in designing analytical and governance solutions to the challenges associated with risk and performance measurement, including stress testing, asset/liability management, funds transfer pricing and capital and liquidity management. Exequor is also a leading provider of live and web-based executive training in a broad range of risk and profitability management disciplines.

ARMADA CONSULTING (CP) BOOTH 4Silver PartnerScott Wise, CEO 115 S. Main St. Broken Arrow, OK 74012 918-856-3415 [email protected] www.armadacorporate.com

Armada is an emerging cost and profitability analytics company. Profitability analytics is all about discovering the true costs of doing business. Acumen, a cost analytics application, is used to model costs and provide management with data that drives fact-based decisions. In business since 2002, our mission is to make costs transparent and your organization more profitable. Our strategic cost modeling methodology has helped many enterprise leaders achieve sustainable, reliable insights into the economics of their organization.

DARLING CONSULTING GROUP (CP) BOOTH 16Silver PartnerMichael Guglielmo, Managing Director 260 Merrimac St. Newburyport, MA 01950 978-463-0400 [email protected] www.darlingconsulting.com

Darling Consulting Group (DCG) is a premier independent provider of risk management education, consulting and validation services. DCG’s Quantitative Risk Analysis & Strategy Group delivers specialized documentation and validation for risk models including: stress testing (DFAST & CCAR), credit, ALLL, ALM (including behavioral models), liquidity, capital, mortgage pipeline and MSR.

AVTEX (CP) BOOTH 15Bronze PartnerBrian King, Digital Marketing Manager / Marketing 3500 American Blvd. W., Suite 300 Minneapolis, MN 55431 925-382-3850 [email protected] www.avtex.com

Avtex is a full-service Customer Experience consultancy focused on helping orga-nizations build trust with their customers. Our breadth of knowledge uniquely po-sitions us to assist in the identification, deployment and optimization of technolo-gy platforms that support the customer journey. As a peer-recognized consulting firm, we guide organizations through the process of creating or improving CX strategies, platforms and policies.


LIST OF SPONSORSFLOW TRACKER ANALYTICS (CP) BOOTH 6Bronze PartnerDave McNab, President 77 Finch Ave. East, Suite 1007 Toronto, ON M2N 6H8 Canada 416-708-2069 [email protected] www.flowtrackeranalytics.com

FlowTracker Analytics enables Banks and Credit Unions to improve Sales, Marketing and Finance effectiveness by as much as 30% using account level customer behavior analysis. Our patented analytics solution reveals the true drive drivers of growth by separating product substitution from new money sales, incremental cross-sales and lost money attrition.

HURON CONSULTING GROUP (CP) BOOTH 14Bronze PartnerMitchell Phillips, Manager Financial Services 550 W. Van Buren St. Chicago, IL 60607 [email protected] www.huronconsultinggroup.com

Huron is a global professional services firm bringing a depth of expertise to drive measurable, lasting results for the financial services industry. As an industry leader, we have provided technology and advisory assistance to more than 100 banking clients for their Performance, Risk Management, Analytics, and Regulatory needs.

MOUNTAINVIEW - MCGUIRE (CP) BOOTH 5Bronze PartnerRita Bostick,Managing Director and Sales Director 16435 N. Scottsdale Rd., Suite 290 Scottsdale, AZ 85254 602-549-2844 [email protected] www.mpsaz.com

MountainView - McGuire has provided innovative compliance solutions for financial institution balance sheet management since 1995. Services include model validations (ALM, Liquidity, Capital Stress Testing (DFAST and CCAR), Mortgage Servicing Rights, Loan Prepayments, etc.); statistical analyses of deposit supply, pricing, term behavior and value; and statistical analyses of loan prepayments.

Earn up to 20 hours of CPE creditLevel: IntermediatePrerequisites: NoneAdvanced Preparation: None

CPE CREDITS

Field of Study: Management Advisory Services and FinanceInstructional Mode: Group-Live Conference

This event will count as CPE credits for CMAs and CPAs in the Management Advisory Services field of study. The number

of hours of CPE depends on participation. A total of 20 CPE credits is possible to earn at this group-live program. There

are no prerequisites for this program. AMIfs is registered with the National Association of State Boards of Accountancy

(NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of

accountancy have final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered

sponsors may be addressed to the National Registry of CPE Sponsors, 150 Fourth Avenue North, Suite 700, Nashville, TN,

37219-2417. Visit the website: www.nasba.org.

For more information, visit www.AMIfs.org. For information regarding administrative policies such as complaint, refund or

cancellation, please contact AMIfs at 317-815-5857.


LIST OF EXHIBITORSMIRAI-ADVISORY – BOOTH 13ExhibitorSandra Harcourt, Chief Client Officer 745 Atlantic Ave., Boston MA 02111 617-697-1460 [email protected] www.mirai-advisory.com

Mirai focuses exclusively on ALM. We help our clients optimize their ALM processes, implementing innovate solutions, optimizing and streamlining your workflows. Our main goal is to get the analysis into the real time business analytics and reporting while taking actions to hedge the risk or leverage market changes. We eliminate the need to rely on data process for information, that always is painful.

QRM QUANTITATIVE RISK MANAGEMENT (QRM) BOOTH 10ExhibitorCraig Woker, Funds Transfer Pricing and Profitability Practice Lead 181 West Madison St., 41st Floor Chicago, IL 60602 312-782-1880 [email protected] www.qrm.com

Quantitative Risk Management (QRM) is the world’s premier enterprise risk management consulting firm. QRM develops industry-leading risk management principles, practices, and models, and provides clients with the advice, knowl-edge, and tools necessary to leverage those innovations into higher risk-adjusted returns. Since 1987, we have partnered with our clients to enhance their ability to measure risk, identify profitable opportunities, and make sound financial deci-sions. With offices in Chicago, London, and Singapore, QRM has established over 250 long-term engagements with top financial institutions from the banking, finance, and insurance industries worldwide.

AMIfs – BOOTH 7ExhibitorKrissa Hatfield, Executive Assistant Director 14246 Saffron Cir. Carmel, IN 46032 317-815-5857 [email protected] www.amifs.org

AMIfs the preeminent organization for management information professionals in the financial services industry. Founded in 1980, AMIfs has become the premier organization of its type, and counts among its members individuals who set the policies and advance the concepts of management information at major financial institutions worldwide.

(CP) Corporate Partner, (CM) Corporate Member


Visit all the exhibit booths in the RESOURCE CENTER. Meet the vendors and get your card stamped. Once your card is full you will turn it in for drawings to be held during breaks in the resource center

for fun prizes like Starbucks cards, iPod, iPad, etc.!

DON’T FORGET TO GET YOUR PASSPORT PROGRAM CARD FILLED OUT TO BE ENTERED INTO PRIZE DRAWINGS!

Join us for focused discussions on hot topics you want to know more about on

Thursday

These round table discussions will be led by topic experts from our sponsors.

Learn something, share something and make some new connections.

JOIN THE PEER GROUP ROUND TABLESTHURSDAY 4:10-5:30pm


Overview

The Certified Profitability Professional (CPP) designation demonstrates extensive knowledge of management accounting within the financial services industry. Earning the CPP certification establishes a level of proficiency on complex profitability measurement & risk management topics that senior management demands of their staff. To maintain the designation, CPP holders are required to keep current with changes in both the industry and the discipline. It assures current and future employers that the holder has the necessary education and experience for successful performance. Topics covered in the test are covered in their entirety in the AMIfs Institute curriculum offered once a year in July.

The exam is a 100 question multiple choice test. The purpose of the exam is to test the applicant’s knowledge and application of Management Information principles and practices. Scoring 75 correct of the 100 questions is a passing score. The time limit on the CPP exam is 3 hours.

Content Areas of the 100 Multiple Choice Exam include:

1. Asset Liability Management (ALM)

2. Capital, Liquidity, IRR (CAP)

3. Funds Transfer Pricing (FTP)

4. Process, Activity and Customer Costing (PAC)

5. Profitability Measurements (PM)

6. Macro Profitability (MP)

www.AMIfs.org/?page=CPP

CPP Requirements

To earn a new CPP designation, candidates are required to:

• Pay the CPP Examination Fees which are $295 for members (You must be a member to take the exam, $350 for an individual membership) Non-member fee is $645 which will include annual dues.

• Fees include the ability to re-test every 3 months for 12 months—if necessary. After 12 months an additional fee of $200 will be required.

• Adhere to the AMIfs Code of Professional Ethics.

• Submit evidence of three (3) years’ work experience in management information in financial services through a letter of recommendation from your current employer.

Certified Profitability Professional

www.AMIfs.org


The AMIfs Insitute is a comprehensive week long session taught by our top rated instructors, covering all major topics related to Profitability, Performance and Risk Management. This is a must attend event; visit our website for more details!

www.AMIfs.org

Join Us! For our next event July 23-28, 2017!

The AMIfs Institute at Washington University


AMIfs Board of DirectorsRobert McDonald, President

Laura Lee, TreasurerRita Bostick, Strategic Partners Chair

Scott Wise, Research and Publications ChairJaime Garza, Board At LargeMatt Turner, Board at Large

Angie DeWitt, Board at LargeKen Levey, Board at Large

Certified Profitability Professionals (CPP) New Certificate Holders

Ali Pierce, PwCJody Anderson, Wells Fargo

Jeff Truitt, Baxter Credit Union

-5 YEARS-Jody AndersonRandy Barton

Ben Braun*Brad Cunningham

Mario DesiderioLoraine DexterElaine Halliday

-10 YEARS-Kevin BursonLoretta Chory

Christopher DinwiddieLisa Gethers

Kanwal GhaeyTimothy Gray

Byron K. HollowayKevin Hunton

Marie JeffersonWilliam Kennedy

Charlie Kopycinski Jr.Ken Levey*Jeff Marsico

Tom McCarthyJeff Price

Scott SteeleScott Wise*

William W. WhitakerAmy White

Eric Zimmer

-15 YEARS-RJ Barndt

Michael ChybowskiAlen Gibbons

Deanna McMeansDiane Purcell

Adam SchabesKelly Smith

Pat Treleaven

-25 YEARS-John R. Bogdue*

YEARS OF MEMBERSHIP

*In attendance at the conference

www.AMIfs.org

Documents

Financial Performance & Risk Management Proven Techniques ... · PDF fileFinancial Performance & Risk Management Proven Techniques for ... and tying to the reward system is a key step