national risk management training conference firma... · fifth third bank financial outsourcing...

May 5 - 9, 2019ORLANDO , FLORIDA

www.thefirma.org

NAtIONAL RIsk MANAgeMeNt tRAININg CONFeReNCe

33RD

ACA Compliance GroupArgent Fiduciary Consulting ServicesBroadridgeDavis Kinard & Co., PCDeloitte & Touche LLPEisnerAmper, LLPErnst & YoungFederated InvestorsFiduciary Education Center, LLCGlobeTax Services, Inc.

Groom Law GroupInforma Investment SolutionsInfovisa, Inc.InnovestITM/TwentyFirst Nth Degree Financial Solutions, LLCPDS CompaniesPricewaterhouseCoopers, LLPProtivitiProxytrust

RICThe Revzon Consulting GroupSpardata/Unique Asset PartnersTEAM Risk Management StrategiesThomson ReutersTrusts & EstatesTrust Imaging Systems, Inc.Trust Management NetworkWolters Kluwer

Current & Recent Sponsors

Partner Organizations

Organizations Represented at the 2018 National Conference

American Bankers Association (ABA)Association of Certified Fraud Examiners (ACFE)

Association of Certified Anti-Money Laundering Specialist (ACAMS)Campbell University/ Trust Education Foundation, Inc.

Cannon Financial Institute, Inc.Global Association of Risk Professionals (GARP)

Securities Industry & Financial Market Association - Internal Auditors Society (SIFMA/IAS)

AlerusAmarillo National BankAmerican National Bank & TrustAmeriprise FinancialAmeriServ Trust & Financial Services CompanyANB BankArkansas State Bank DepartmentBaker Tilly Virchow Krause, LLPBancorpSouthBank of America/Merrill LynchBank of HawaiiBank of StocktonBank of the WestBankers Trust CompanyBankVision, Inc.BB&TBBVA CompassBKD, LLPBMO HarrisBNC National BankBNY MellonCA Dept of Business OversightCadence Bank, NACapital Bank and Trust CompanyCapital Group CompaniesCapital OneCentennial BankCentral BancompanyCentral National BankCentury BankCharles SchwabCIBC Bank USACitizens Business Bank

City National BankCommerce BankCommunity Trust BankCompliance Services Group, LLCComptroller of the CurrencyConstellation Trust CompanyCOUNTRY FinancialDeloitte & Touche, LLPDeseret Trust CompanyEdward JonesEmprise Financial CorporationExtraco BanksFDICFederal Reserve Bank of AtlantaFederal Reserve Bank of ChicagoFederal Reserve Bank of ClevelandFederal Reserve Bank of Kansas CityFederal Reserve Bank of San FranciscoFifth Third BankFinancial Outsourcing Solutions, LLCFirst Bankers Trust ServicesFirst Foundation BankFirst Hawaiian BankFirst Interstate BancSystem, Inc.First National Bank of Fort SmithFirst National Bank of OmahaFirst Republic BankFISFrost BankFulton Financial AdvisorsGodfrey & Kahn, S.C.Greenleaf TrustHuntington National BankIBERIABANK

Indiana Dept of Financial InstitutionsIntegrity Trust CompanyIntegrity Wealth ManagementINTRUST BankIowa Division of BankingJefferson BankJohnson BankJPMorgan Chase & CoJRMB IIKentucky Farmers BankKey BankKropschot Consulting PartnersM&T Bank / Wilmington TrustMB Financial BankMEMBERS Trust CompanyMutualBankNational Advisors Trust CompanyNBT BankNewport Trust CompanyNorth Carolina State Employees’ Credit UnionOG Trust ServicesOhio Division of Financial InstitutionsOld National Wealth ManagementOld Point National BankOld Point TrustPAi Trust CompanyPeak Trust CompanyPNCRabobankRaymond JamesRegions BankRenasant BankRockland Trust Co.

Sageworth Trust CompanySandy Spring BankSecurian Trust CompanySheshunoff Consulting + SolutionsState of Colorado, Division of BankingSynovus Trust CompanyTCV Trust & Wealth ManagementTexas Bank & Trust Co.Texas Department of BankingThe Bank of MissouriThe Bank of Nova Scotia Trust Company Bahamas LtdThe First National Bank of Sioux FallsThe Glenmede Trust CompanyThe Private Trust Company, NAThrivent FinancialTMI Trust CompanyTolleson Private BankTrust Company of the SouthTrust Company of VirginiaTrustmark National BankU.S. BancorpUnified Trust Company, NAUnion Bank & TrustUS BankUSAA FSBVirginia Bureau of Financial InstitutionsWashington Trust BankWells FargoWhittier Trust CompanyZions Bancorp

1 – 33rd ANNUAL NATIONAL RISK MANAGEMENT TRAINING CONFERENCE

SUNDAY, MAY 5Workshop Check-in 11:30 am - 1:00 pmPre-Conference Workshops 1:00 - 4:00 pmConference Check-in 4:30 - 6:00 pmNew Attendee/New Member Social 6:30 - 7:30 pm

MONDAY, MAY 6Late Conference Check-in 7:30 - 8:00 amGeneral Sessions 8:00 - 11:45 amLuncheon 11:45 am - 1:00 pmBreakout Sessions 1:00 - 4:30 pmRoundtable Sessions 4:45 - 5:45 pmWelcome Reception 6:30 - 8:30 pm

TUESDAY, MAY 7General Sessions 8:00 am - 12:45 pmFocus Sessions 2:30 - 4:30 pm(Lunch on your own)

WEDNESDAY, MAY 8General Session 8:00 - 9:00 amBreakout Sessions 9:15 - 11:30 amLuncheon and FIRMA Annual Membership Meeting 11:45 am - 1:15 pmBreakout Sessions 1:15 - 4:45 pm

THURSDAY, MAY 9General Sessions 8:00 - 10:15 amRoundtable Sessions 10:30 - 11:30 amAdjourn 11:30 am

CONFERENCE SCHEDULETo Our Fiduciary Colleagues – Our unique

opportunity...Our fiduciary and investment risk industry

continues to face unprecedented responsibility to focus upon risk management as a cohesive team and to reshape fiduciary mandates across all products and services.

FIRMA’s 2019 outstanding group of Conference sessions and speakers, displayed in this brochure, has been selected specifically by your peers as not-to-miss topics.

To the Business Line / First Line of Defense–FIRMA invites you to join us for state-of-the-industry business topics, including two special Trust Executive Focus Sessions. Emphatically, FIRMA is the premier industry source for vital sharing of fiduciary risk management topics with audit, risk/compliance, and regulatory professionals. Never before has strategic cross-functional risk management been so intensely required and regulated.

To our valued fiduciary audit, compliance, and risk professionals - FIRMA proudly and steadfastly recognizes our pledge to bring to you the most current and in-depth industry issues that define, strengthen through understanding, and distinguish your critical roles.

We believe our 2019 Agenda is unequaled in value over a five-day period. Come engage with us and our expert speakers – learn, confirm, surpass, and network. Gain a distinct advantage within the fiduciary industry.

I urge you to peer into this Brochure’s window. Turn these pages, invest in your expertise, and join us in Orlando. See you there!

Hale Mast, CTAFIRMA Executive Director

The Fiduciary and Investment Risk Management Association, Inc. ™ (FIRMA) 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 submitted to the National Registry of CPE Sponsors through its website: www.nasbaregistry.org.National Association of State Boards of Accountancy


33rd National Risk Management Training Conference

FIRMA™ is proud to sponsor its thirty-third Annual National Risk Management Training Conference and we are pleased to bring out-standing topics and speakers to beautiful Orlando/Disney. Our de-manding and challenging responsibilities for fiduciary risk continue and FIRMA stands strong in our belief that there is no more vital time than now for training, sharing, and networking. In recognition of this, FIRMA is proud to provide training resources to risk management pro-fessionals who are responsible for asset/wealth management, broker/dealer/advisor activities, and insurance products.

Our national speakers will discuss the current trends in the indus-try, new products and specialized lines of business, and will provide in-sights to the management and control of associated risks. Our program is designed to provide valuable benefits to:

• Fiduciary Auditors and Compliance Officers• Business Line Asset and Investment Management Professionals• Fiduciary Executives• Fiduciary Risk Management Professionals• State and National Regulators • Legal Counsel• Certified Public Accountants

Our program will offer a unique combination of general sessions and individualized breakout sessions. Our general sessions will primarily address issues of significant importance to the risk and investment management industry. This year, we are pleased to continue our of-ferings of expanded breakout sessions, held on Monday, Wednesday, and Thursday with a total of 32 breakout sessions. These sessions fo-cus on more specialized products and services from which attendees can choose the topics of most importance to their institutions. We are also pleased to offer two valuable Pre-Conference Workshops on Sun-day prior to the start of the formal conference, as well as two 2-hour Complimentary Focus Sessions on Tuesday afternoon.

Workshop Fees

Pre-Conference Workshops are $315 for FIRMA members and $415 for non-members.

Conference FeesConference fees are $1,850 for FIRMA members and $2,095 for

non-members. This fee includes all conference materials, daily con-tinental breakfasts, morning and afternoon refreshment breaks, two luncheons and a Monday evening welcome reception.

Group DiscountsGroup discounts to the above prices are available as follows. Group

registrations must be received together, at the same time, and paid through a single invoice.

• 5% off the above fees for 5 registrations • 10% off the above fees for 10 registrations

Special Fee Offer (Conference fee only) for Attendees from National and State Regulatory Agencies

$1,650 for Regulator FIRMA Members$1,795 for Regulator FIRMA Non-Members

FOR ALL 2019 CONFERENCE PAYMENTS: please take $100 off your registration fee if paying prior to March 23, 2019.

Cancellation Refund PolicyCancellations received prior to April 12, 2019, will be re-

funded in full, less a $75 service charge. Cancellations re-ceived April 12th through April 19th will be refunded subject to a $250 service charge. Cancellations made after April 19, 2019, are non-refundable. No refunds will be processed unless the cancella-tion is made in writing. Note: You may transfer your registration to another person at any time.

FIRMA reserves the right to change speakers or reschedule or can-cel sessions when necessary. FIRMA is not responsible for any penal-ties (e.g. airfare, hotels, etc.) that may be incurred should this program be canceled. For more information regarding seminar administrative policies such as complaint or refund, please contact our offices at 770-790-8355.

Continuing EducationThe 2019 Training Conference provides 20 Group-Live contin-

uing education hours. The Pre-Conference Workshops each provide 3 Group-Live continuing education hours; the Complimentary Focus Sessions will each provide 2 Group-Live continuing education hours. For certified FIRMA members, all of these hours will be recognized as FIRMA-specific.

Conference Education Prerequisites There are no advance preparation requirements to be read or com-

pleted prior to attending this program. The program skill level for this Conference is rated “Intermediate.” This program is rated Interme-diate because of the educational and/or experience recommendations as follows:

- Attendee should be a Certified professional; or- Attendees should have at least one year of general trust or fiduciary

work experience in the fields of personal trust, employee benefit trust, audit, compliance, or risk management; or

- Attendees should have passed a one-week trust school course offered by the ABA, Cannon Financial Institute, Campbell University, or an equivalent industry program; or

- Attendee should have attended a previous FIRMA education pro-gram.

Tax Deductibility The cost of continuing education (when taken to maintain or en-

hance professional development) may be tax deductible. Please consult with your tax accountant for more information.

Special Hotel Incentives from FIRMA and our Host Hotel – the Wyndham Grand Orlando Bonnet Creek

FIRMA feels it is important for our Conference Attendees to know that FIRMA has significant contractual risk if our Attendees do not stay at our host hotel. For 2019, FIRMA is pleased to offer to our government Attendees up to 45 government-rate rooms. In addition, for all FIRMA Conference Attendees staying at the Wyndham Grand Orlando Bonnet Creek hotel, each individual is eligible for one of three (3) special raffle prizes as an incentive:

- One (1) free registration certificate to the FIRMA 2020 Confer-ence

- One (1) night hotel rooming fee rebated to Attendee’s room bill- One (1) gift voucher for a complimentary 2-night stay in a Wynd-

ham hotel FIRMA always hopes our Attendees will choose to enjoy the conve-

nience of our host hotel and, for 2019, especially the grand amenities offered at the Wyndham Grand Orlando Bonnet Creek.


Pre-Conference Workshop I 1:00 - 4:00 pm

Administering Trusts and Developing Fiduciary Solutions in the Modern Age: Are We Creeping Out of the Cave?

Daniel E. Ramer Regional Fiduciary ExecutiveFIFTH THIRD BANKPiqua, Ohio

David Sawyer Senior Managing Director – Personal Trust, Estates and Guardianship ServicesMB FINANCIAL BANK, N.A.Rosemont, Illinois

This workshop will address some of the crucial fiduciary de-cision points encountered by, and prospective solutions available to, trustees today. The widespread adoption of key provisions of the Uniform Trust Code has resulted in an increased need for trustees’ awareness of a myriad of nuanced issues associated with trust administration. Simultaneously, state statutory schemes have evolved to provide solutions to many fiduciary challenges, removing longstanding obstacles for both trustees and beneficia-ries. When understood and properly applied, these developments can assist the trustee in not only administering the trust, but also in managing appurtenant risk and developing solutions that alleviate recurring problems. During this session, we will work through the nuts and bolts of trust administration and then dis-cuss and analyze some of the options now available for address-ing problems that we, our co-trustees and our beneficiaries face.

Pre-Conference Workshop I I1:00 - 4:00 pm

First vs. Second Line of Defense

Diana Vasquez Head of Governance and ControlsCIBC PRIVATE WEALTH MANAGEMENTChicago, Illinois

Deborah Austin DirectorFiduciary Compliance DirectorWealth Markets Global Trust ComplianceMUFG UNION BANK, N.A.San Diego, California

In this workshop, Participants will:• Learn how other shops have structured their 1st and 2nd

lines of defense.• Which line “tests,” which line performs “monitoring,” and

what about “controls testing?”• How does the first line identify and assess the risk?• How does the second line test, monitor and provide advice without blurring responsibilities?• Learn how these two functions operate and report to senior/executive management. • Learn how open issues are tracked, monitored and closed. • What are the expectations of the regulators?

SUNDAY, MAY 5, 2019

New Attendee / New Member Social6:30 - 7:30 pmHosted by FIRMA

FIRMA is delighted to host a special social hour for our first-time Conference attendees and new FIRMA members. Our guests will learn about the events planned for the Conference week, will receive tips for navigating through the many sessions – both general and breakout, and they will learn about FIRMA’s mission and the benefits of FIRMA membership. Guests are also encouraged to share questions with the FIRMA ambassadors. This informal reception provides an easy Conference introduction for our new attendees and members.


MONDAY, MAY 6, 2019Welcoming Remarks

8:00 - 8:15 am

FIRMA President David B. Jonke, CTA, CPA

Opening Keynote Address8:15 - 9:15 am

Secure Cyber Life: The Government is Not Coming to Save You

Michael A. Echols CEOMAX CYBERSECURITY, LLCWashington, D.C.

This presentation by Mike Echols, a former Cybersecurity Di-rector at the Department of Homeland Security, is a wake-up call to the private sector. His talk describes the national cyber threat environment, the Government’s approach, and the gaps that make personal security paramount. Mr. Echols explains that cybersecurity is risk management, and that organizations are best served to create a “culture of cybersecurity.” This is sup-ported by insights on the changes in the hacking culture. Mr. Echols delivers statistics that clearly show how the workforce is critical to developing true resilience. The presentation con-cludes with strategies for creating a culture of cybersecurity and assuring unsecure IT does not become the determent for the future success of the business or entity.

General Session9:30 - 10:30 am

The U.S. & Global Economy: Cycle Challenges and Opportunities

Ellen Zentner Managing Director MORGAN STANLEYNew York, New York

The year 2019 has rung-in the longest business expansion on record. How much longer could it last, and what could end it? Business expansions don’t die of old age, they die of overheating. Follow the leverage. While America’s households deleveraged af-ter the financial crisis and have done well to maintain prudent debt management, America’s corporate sector is another story.


I’ll Make You an Offer You Can’t Refuse: Insights from a Former Mob Boss on Ethics and Morals

Michael Franzese Author and SpeakerMICHAEL FRANZESE MINISTRIESCorona del Mar, California

Michael Franzese provides an insightful look at his entry into the “life” in La Cosa Nostra. From the intrigue and mystique of the initiation ceremony, to his success making more money for the mob than anyone since Al Capone – and being the youngest on Fortune’s “50 Most Wealthy and Powerful Mob Bosses” list, at #18 (just five behind John Gotti).

Michael addresses many aspects of business and how he was able to transfer the knowledge and success he had in the busi-ness of organized crime to the legitimate business he engages in today. He provides many insider tips regarding ethics and morals to give the business person a path to success in the business world.

He also addresses how organized crime became involved with businesses and discusses issues that make businesses vulnerable to criminal activity.

Luncheon 11:45 am - 1:00 pm


MONDAY, MAY 6, 2019Breakout Sessions – 1:00 - 2:00 pm

Regulatory Panel

Nanna Goodfellow – Moderator National Bank Examiner – Large Bank GroupOFFICE OF THE COMPTROLLER OF THE CURRENCYSan Francisco, California

Tish Dalton Technical ExpertAsset Management PolicyOFFICE OF THE COMPTROLLER OF THE CURRENCYWashington, D.C.

Michael W. Orange, CFIRS Senior Examination Specialist – TrustPolicy and Program Development SectionFDICWashington, D.C.

Ronald L. WertManager of Examinations, Asset Wealth Management TeamSupervision and Regulation DivisionFEDERAL RESERVE BANK OF ATLANTAAtlanta, Georgia

This is always a valuable and not-to-miss session with our pri-mary federal regulators. These agency leaders will share their current fiduciary examination and policy initiatives, each re-sponding respectively to a series of questions posed by FIRMA. This unique format will allow attendees to hear how each agency is addressing financial reform.

Managing Conflicts of Interest

Kevin Peterson Senior Vice PresidentBB&T Operational Risk ManagementBRANCH BANKING & TRUST COMPANYRaleigh, North Carolina

Fiduciaries have the duty to avoid conflicts of interest and self-dealing. Potential conflicts must be managed appropriately to avoid harm to account beneficiaries. Please join this session to participate in an interactive discussion about the most common conflicts of interest faced by fiduciaries, including under ERISA, and learn strategies and best practices to avoid or appropriately manage such conflicts, including as they relate to proprietary funds, own-bank securities, trading, and fees.

Sales Practices and Bad Behavior

Elia AlonsoPrincipalRisk and Financial AdvisoryDELOITTE & TOUCHE, LLPNew York, New York

Please join Elia for an engaging discussion of today’s sales cul-ture within banking and wealth management. Attendees will learn about the practices, strategies, and goal-setting orientation that confront a sales enterprise and culture. In addition, attend-ees will learn the direct risks and impact issues of rogue sales teams and tell-tale key risk indicators. Elia will lead the audi-ence on a fascinating analysis of sales risk exposure.

Assessing Fiduciary Complaints

Marilyn Smith Compliance Risk Management Consultant FIRST DIMENSIONS CONSULTINGChicago, Illinois

Complaints in the Fiduciary Business? Really, you don’t say. Attend this fundamental session to explore administrative risks in handling complaints as well as sound practices and industry trends for managing fiduciary complaints.



Regulatory Panel REPEAT SESSION

ERISA Update: Tips & Traps for Fiduciaries

Jason C. Roberts, Esq., AIFA®

PENSION RESOURCE INSTITUTE & RETIREMENT LAW GROUPSan Diego, CA

During this session, Jason will lay out commonly overlooked examples of fiduciary risks for financial institutions with respect to both their role as service providers and as sponsors of their own plans. By way of case studies and actionable takeaways, attendees can expect to be able to identify and mitigate fiduciary exposure in the following areas:

• Investment Advice vs. Education;• Selection/Monitoring of Plan Investments, including Qualified Default Investment Alternatives and Target Date Funds and investments managed or sub-advised by affiliates;• Selection/Monitoring of Service Providers;• Administration/Reporting; and• Cross-Selling and IRA Rollovers from ERISA-covered Retirement Plans.

Tax Reform

C. Gray Johnsey, EsquirePrincipal/ShareholderWHITE & ALLEN P.A.Kinston, North Carolina

After months of intense negotiations, Congress passed the “Tax Cuts and Jobs Act Of 2017” on December 20, 2017, and the President signed this new legislation on December 22, 2017. The “Tax Cuts and Jobs Act Of 2017” (the “TCJA”) is arguably the most significant tax reform legislation since 1986. This mam-moth tax bill has had a significant impact on virtually every busi-ness and individual taxpayer. The Session will cover the salient provisions of the TCJA, including the Transfer Tax provisions.

Strategies for Small Audit Departments

Gary E. Pelcak, CTA, CFSA, CFE RetiredFormer Chief Audit ExecutiveCENTRAL NATIONAL BANKJunction City, Kansas

How can audit departments and auditors leverage opportuni-ties to achieve success, receive a Strong rating from regulators, and rise to greatness with limited resources, staff, expertise, and IT Support? Learn ways to overcome some of the unique chal-lenges facing a small audit shop during this interactive session where we will discuss:

• Small is a relative concept and does have its advantages;• The benefits of co-sourcing;• The importance of audit risk assessment in audit planning;• Implementing a risk management strategy to optimize resources;• Improving performance and proficiency; and• Developing and implementing a strong mission statement,

audit charter, and audit committee charter.



Crypto 101 - Bitcoin: A Currency, Investment, or Neither?

Anthony Juliano Wealth Management Administration AnalystMB FINANCIAL BANK, NARosemont, Illinois

A few years ago, Bitcoin was a term known by a small subset of people who bought and solid illicit goods through a “back-door” version of the internet. As Bitcoin gained popularity, its uses broadened to more traditional transactions; online retailers began to accept it as payment and by mid-2017 there was a global explosion in popularity. Investment advisors and even the CEO of JP Morgan began commenting on Bitcoin both positively and negatively. Users/investors soared, and the prototypical Bitcoin owner broadened drastically. As firms see more Bitcoin (and other cryptocurrencies) questions, requests, and holdings, it is important to know how to address these topics with clients. This session will discuss the implications and legitimacy of Bitcoin as fiat money and as an investment tool as well as the risks associ-ated with treating it as such.

Lessons Learned After One Year of GDPR

Justin P. Webb Partner GODFREY KAHN, S.C.Milwaukee, Wisconsin

This session will provide a general overview of the General Data Protection Regulation (EU) 2016/679 (“GDPR”), includ-ing applicability, requirements, and compliance strategies, with a major focus on the evolution of GDPR since its effective date of May 25, 2018. Attendees will learn about:

• Taking a risk-based approach to GDPR compliance;• Guidance from EU regulators post-May 25, and what that guidance means for your privacy program; and• The status of GDPR enforcement, including audits and fines, and what that tells us about risk-based priorities.

It’s Just an Irrevocable Life Insurance Trust –Nothing to Worry About, Right?

Leon J. Wessels Corporate Business Development ManagerLIFE INSURANCE TRUST COMPANYSioux Falls, South Dakota

In this session, we will enhance your ILIT knowledge and dis-cuss real case studies that address typical challenges associated with managing life insurance policies. What should the trustee do in the following situations?

• A term conversion date is approaching;• The insurance carrier increased the cost of insurance on an existing policy by 60%;• The 80-year old grantor wants to surrender the policy; and• The original writing agent is proposing a policy exchange

that looks great.

Attendees will receive a copy of The TOLI (trust owned life insurance) Handbook, a reference guide for trust professionals, fiduciaries and regulators.

ERISA Update: Tips & Traps for Fiduciaries REPEAT SESSION


MONDAY, MAY 6, 2019Roundtable Sessions – 4:45 - 5:45 pm

Audit

Leaders:

John L. Clark, CTA, CRCM, CAMS Retirement & Institutional Services Trust Operations ManagerBB&TRaleigh, North Carolina

Bruce K. Goldberg, CTA, CPA Managing Director. Deloitte AdvisoryDELOITTE & TOUCHE LLPNew York, New York

Small and Regional Banks / Risk / Compliance / FLOD

Leaders:

Bradley F. Beshea EVP, Fiduciary Compliance ManagerFROST BANKSan Antonio, Texas

Casey Jeanneret, CBA, CFIRS Director, Wealth Management Fiduciary RiskFIRST NATIONAL BANK OF OMAHAOmaha, Nebraska

Large Banks / Risk / Compliance / FLOD

Leaders:

Jennifer L. De Vries, CTASVP, Senior Managing DirectorWealth Administration, Risk, and OperationsMB FINANCIAL BANK, NARosemont, Illinois

David B. Jonke, CTA, CPA Compliance Senior Director - Wealth and Asset Management DivisionSenior Vice PresidentFIFTH THIRD BANKChicago, Illinois

RegulatorsThis session is open only to Federal and State Regulators

Leader:

Scott Kelly, CFIRSDeputy DirectorSOUTH DAKOTA DIVISION OF BANKINGPierre, South Dakota

Join your peers in four different roundtable groups for discussions around best and leading practices to address current or emerging issues and challenges. We ask all Federal and State regulators in attendance to join the “Regulators” Roundtable. All other attendees may choose their Roundtable of choice by “Audit” discipline – or by Risk / Compliance / First Line of Defense by “Small and Regional Banks” or by “Large Banks.”

FIRMA’s Welcome Reception

6:30 - 8:30 pm


TUESDAY, MAY 7, 2019Keynote Session

8:00 - 9:00 am

Reputational Risk Management in Financial Services

Josh PicovSenior Vice President, Enterprise & Conduct RiskRisk ManagementCIBCToronto, Canada

A company’s reputation is of fundamental im-portance, particularly in the financial services industry, where clients trust us with their livelihood. Over the past decade, the industry has seen an evolution of what our clients expect of us, and many institutions have seen significant harm to their reputa-tion, through failings in both conduct and culture.

This session will explore how financial service companies are managing reputational risk, not only at a transactional level, but also through holistic, enterprise-wide alignment across multiple dimensions of their organizations. It will explore the importance of industry-wide dialogue around self-identification of issues, to prevent misconduct and manage the narrative to drive a culture of client-centricity.

General Session 9:15 - 10:15 am

Fiduciary Executive Panel – Personal Trust – Our Changing World

Gabrielle Bailey Chief Fiduciary Officer, Managing DirectorCIBC PRIVATE WEALTH MANAGEMENTWilmington, Delaware

Nicole Degnan Managing DirectorHead of Firm-wide Fiduciary & Conflicts of InterestJPMORGAN CHASE & CO.New York, New York

Sally Mullen SVP, Chief Fiduciary OfficerUS BANK WEALTH MANAGEMENTMinneapolis, Minneapolis

In this session, Fiduciary senior executives from three different organizations will share their perspective on best and leading practices and how they are approaching current and emerging challenges related to regulatory changes, technology advance-ments and industry trends. They will also answer your ques-tions about how these changes may impact your business.

General Session 10:30 am - 11:30 am

Future of Fiduciary Risk: Robotics, AI, Machine Learning

Marc Sabino Head of Business Intelligence & AnalyticsCITIGROUPNew York, New York

Please join Marc for a fascinating tour of today’s financial in-novations, new technology tools, and state-of-the-art advances in data capture and utilization. This is a don’t-miss session for Marc’s crystal ball view of the next steps in wealth management technology.

General Session 11:45 am - 12:45 pm

Governance Structure

Jennifer L. De Vries, CTA - ModeratorSVP, Senior Managing Director Wealth Administration, Risk, and OperationsMB Financial Bank, NARosemont, Illinois

Sean GrayManaging DirectorChief Compliance OfficerBESSEMER TRUSTNew York, New York

Thomas R. Mitchell Senior Vice President Manager, Global Fiduciary Risk Management NORTHERN TRUST COMPANYChicago, Illinois

Barb SpeidelManaging DirectorDeputy Chief Auditor, Investment ManagementBNY MELLONPittsburgh, Pennsylvania

One size does not fit all when it comes to

defining an appropriate Governance Structure. This moderated Executive Panel Session will provide thoughts and perspective on the following:

• Core components of an effective Governance Structure;• Special considerations relative to the oversight and management of an organization’s fiduciary and other key risks;• How an organization’s size, staffing, complexity, product/service offering, etc. may impact Governance; • Regulatory expectations and best practices in the area of Governance; and • Differing, yet complementary, roles and responsibilities of 1st, 2nd and 3rd Lines of Defense.


Pre-Conference Workshop I 1:00 - 4:00 pm

Administering Trusts and Developing Fiduciary Solutions in the Modern Age: Are We Creeping Out of the Cave?

Daniel E. Ramer, David Sawyer

Pre-Conference Workshop II 1:00 - 4:00 pm

First vs. Second Line of Defense Diana Vasquez , Deborah Austin

NEW ATTENDEE/NEW MEMBER SOCIAL – 6:30 - 7:30 PM

FIRMA’S WELCOME RECEPTION – 6:30 - 8:30 PM

Regulatory Panel Nanna Goodfellow, Tish

Dalton, Michael W. Orange, Ronald L. Wert

Managing Conflicts of Interest

Kevin Peterson

Sales Practices and Bad Behavior

Elia Alonso

Assessing Fiduciary Complaints

Marilyn Smith

Regulatory Panel REPEAT SESSION


Jason C. Roberts

Tax Reform C. Gray Johnsey

Strategies for Small Audit Departments

Gary E. Pelcak

Crypto 101 - Bitcoin: A Currency, Investment, or

Neither? Anthony Juliano


REPEAT SESSION

Lessons Learned After One Year of GDPRJustin P. Webb

It’s Just an Irrevocable Life Insurance Trust –Nothing to

Worry About, Right?Leon J. Wessels

AuditJohn L. Clark

Bruce K. Goldberg

Small & Regional Banks / Risk / Compliance / FLOD

Bradley F. Beshea Casey Jeanneret

Large Bank / Risk / Compliance / FLODJennifer L. De Vries

David B. Jonke

RegulatorsScott Kelly

BREAkOUT SESSIONS – 2:15 - 3:15 PM


ROUNDTABLE SESSIONS – 4:45 - 5:45 PM

Keynote Session 8:00 - 9:00 am

Reputational Risk Management in Financial

ServicesJosh Picov

General Session 9:15 - 10:15 am

Chief’s Panel – Personal Trust – Our Changing World

Gabrielle Bailey, Nicole Degnan, Sally Mullen

General Session 10:30 am - 11:30 am

Future of Fiduciary Risk: Robotics, AI,

Machine Learning Marc Sabino

General Session 11:45 am - 12:45 pm

Governance StructureJennifer L. De Vries,

Sean Gray, Thomas R. Mitchell, Barb Speidel

FOCUS SESSIONS – 2:30 - 4:30 PM

HOSTEDLUNCHEON

11:45 am - 1:00 pm

WELCOMINGREMARKS8:00 - 8:15 am

FIRMA President David B. Jonke

Focus Session IIComplex Investment Strategies and Exchange Traded Products

Yasmin Dahya, Peter Epstein

Focus Session IFiduciary – Not Just Reg 9

Satish Pattegar, Marilyn Smith

OPENINGKEYNOTE ADDRESS

8:15 - 9:15 amSecure Cyber Life:

The Government is Not Coming to Save YouMichael A. Echols

GENERAL SESSION9:30 - 10:30 am

The U.S. & Global Economy: Cycle Challenges and

OpportunitiesEllen Zentner


I’ll Make You an Offer You Can’t Refuse: Insights from a Former Mob Boss

on Ethics and MoralsMichael Franzese

SUNDAY

TUESDAY

MONDAY


W E E K A T A G L A N C E


Institutional Account RiskRobert K. Thompson

Leading Internal Audit Practices

Patrick G. Renaud

AML Thomas C. Bogle

Generation Skipping TaxFran DeMaris

Power of Attorney Risks Joanne Hindel

The Three Lines of Defensein the Boardroom

Mark Sparano

The Benefits of Automation of Contract Management and

E-Signature Michael Berman

Fiduciary Fraud Ian Mitchell

Investment Performance – Benchmarks, Models,

and GIPS® Michael Beck

Uniform Directed Trusts Geoffrey A. Madsen

Mind, Heart and Wallet: Trends in Socially

Responsible Investing Anne T. Durkin, CFA

Fiduciary Fraud REPEAT SESSION

KEYNOTE SESSION8:00 - 9:00 am

Top Five Fiduciary RisksJames M. Marion

ABA Trust Legislative Update: Our Positive Policy

EnvironmentCecelia A. Calaby

Work Force of the Future Mike Schor

Conflicts: Reg W is Only the Beginning...

Mary Ann Lowney

Key Risks in Retirement Plan Products and Services

Larry Divers

ABA Trust Legislative UpdateREPEAT SESSION

Does It Really Matter When It Comes to Being A Fiduciary

to a 401(k) Plan?Rose Panico-Marino

ROBO Advisory vs. Wealth Advisory

Giselle Casella

SEC Influence to Trusts Sara Cortes

BREAkOUT SESSIONS – 10:30 - 11:30 AM




KEYNOTE SESSION8:00 - 9:00 am

Thinking Anew for All Things DigitalLouis Pellicori

AuditJohn L. Clark

Bruce K. Goldberg

Small & Regional Banks / Risk / Compliance / FLOD

Bradley F. Beshea Casey Jeanneret

Large Bank / Risk / Compliance / FLODJennifer L. De Vries

David B. Jonke

RegulatorsScott Kelly

ROUNDTABLE SESSIONS – 10:30 - 11:30 AMCONFERENCE HIgHLIgHTS & kEY TAkEAWAYS

LUNCHEON & MEETING11:45 am - 1:15 pm

Open to all Conference Attendees

FIRMA Annual Membership MeetingDavid B. Jonke, President


Trust 2030J. Phil Buchanan

THURSDAY

WEDNESDAY

BREAkOUT SESSIONS – 9:15 - 10:15 AM

W E E K A T A G L A N C E


TUESDAY, MAY 7, 2019Focus Session I

2:30 pm - 4:30 pm

Fiduciary – Not Just Reg 9

Satish Pattegar Director of Fiduciary Risk & GovernanceFiduciary & Investment RiskWELLS FARGO CORPORATIONMinneapolis, Minnesota

Marilyn Smith Compliance Risk Management ConsultantFIRST DIMENSIONS CONSULTINGChicago, Illinois

If you’re a fiduciary oversight professional, you may have al-ready mastered the requirements under “Reg 9” (or 12 CFR Part 9 - Chapter 12 of the Code of Federal Regulations Part 9). But what about other regulations, laws or guidelines - current or on the horizon – that also impact fiduciary activities? Are you aware and familiar with them? Do you know what to do about them? Come join this session as we meander through the maze of applicable regulations, help you share your knowledge with the other attendees, and build a stronger operating environment within your fiduciary oversight role.

Focus Session II2:30 pm - 4:30 pm

Complex Investment Strategies and Exchange Traded Products

Yasmin DahyaExecutive Director Head of Americas Beta Specialist Team J.P. MORGAN ASSET MANAGEMENTNew York, New York

Peter Epstein Vice President, Alternatives Solutions Group - Americas J.P. MORGAN ASSET MANAGEMENTNew York, New York

This session will cover the risks, challenges and opportunities in the ever evolving landscape of exchange traded products and complex investment strategies. The session will be divided into two parts. First, Yasmin will discuss the evolution of exchange traded products. She will review passive, strategic beta and fi-nally active strategies that are delivered in these vehicles. The session will focus on how these vehicles are utilized, their role in portfolio construction, liquidity and challenges associated with due diligence.

In the second part of the session, Peter will focus on complex alternative strategies. Peter will cover both private and liquid investment strategies. He will discuss the most common invest-ment options, their role in portfolio construction, risks, suitabil-ity and common challenges associated with research and due diligence.


WEDNESDAY, MAY 8, 2019Keynote Session

8:00 - 9:00 am

Thinking Anew for All Things Digital

Louis Pellicori Chief Technology OfficerTHE GLENMEDE TRUST COMPANYPhiladelphia, Pennsylvania

The Digital evolution is changing all the rules on a global scale as it drives disintermediation in our personal and business life. There is no turning back. Are you ready to respond and think anew?

With each passing year technology becomes more embedded in everything we do. From how we live, work, and service our cli-ents to how we leverage information & data in support of business

outcomes. The financial services industry is a constant source of new, and disruptive, technologies, regulatory changes, shifts in workforce demographics and the needs of an always evolving client base requires you to continually adapt. As such, we must constantly reexamine what it takes to be an industry leader. For our business colleagues, this means reimagining what’s possible. For IT, it will mean architecting for the future in an environment that allows for constant change driven by digital assets.

You cannot stop the unprecedented pace of organizational, business and technology transformation.

Are you prepared? If so, what should you be doing?

Takeaways:• General understanding in the trends of digital in our personal and professional life;• What are the key disruptors and technologies driving change;• What is the role of cyber security; and • Compliance could be the glue in setting the standards

ABA Trust Legislative Update: Our Positive Policy Environment

Cecelia A. Calaby Senior Vice PresidentCenter for Securities, Trusts, and InvestmentsAMERICAN BANKERS ASSOCIATIONWashington, D.C.

Despite lots of lights and noise in Washing-ton, financial industry policy is now largely in the hands of ad-ministration appointed leaders, all of whom are proceeding to revisit how post-crisis rules are working. Change continues to be a feature of the policy landscape, presenting challenge and opportunity. This session will highlight some of those changes that will impact your businesses.

Work Force of the Future

Mike Schor Partner - Risk & Financial Advisory DELOITTE & TOUCHE, LLP Parsippany, New Jersey

The evolution of workforce and workplace is driven by the growing adoption of advanced

technologies such as robotic process automation, cognitive intel-ligence, and artificial intelligence and will include both on-bal-ance sheet and off-balance sheet talent. The presentation will explore the new rules to live by in the changing world of work, will explore the augmented workforce and the greater number of talent options that are emerging, and will help answer strategic questions related to the workforce of the future.

Conflicts: Reg W is Only the Beginning...

Mary Ann Lowney U.S. Trust Compliance and Operational Risk ExecutiveU.S. TRUSTBoston, Massachusetts

Fiduciary professionals face a myriad of situ-ations posing real or perceived conflicts risk. This session will provide practical tips for identifying and mitigating conflicts risk, with a view of overarching regulations including the ubiquitous Reg W.

Key Risks in Retirement Plan Products and Services

Larry Divers Executive Vice President CANNON FINANCIAL INSTITUTEAthens, Georgia

The Retirement Plan Marketplace, which currently encompasses over $28 trillion, has a complicated legal and compliance framework that requires financial organizations to have comprehensive policies, procedures and controls in place to assure proper compliance and risk management. This pro-gram will focus on the compliance, operational, and reputational risks facing retirement service providers. Specifically, the areas to be discussed will be those identified by the Internal Revenue Service, Department of Labor, and the OCC.

Breakout Sessions – 9:15 - 10:15 am


WEDNESDAY, MAY 8, 2019

ABA Trust Legislative UpdateREPEAT SESSION

Does It Really Matter When It Comes to Being A Fiduciary to a 401(k) Plan?

Rose Panico-Marino Managing DirectorHead of Corporate Retirement Plan Services CIBC BANK USAChicago, Illinois

In this session, Attendees will learn• The difference between a 3(21) vs. a 3(38) advisor;• What companies expect from these roles;• Pricing for 3(21) and 3(38) advisory services; and• Why it’s important to engage clients regardless of the advisory role.We’ll also discuss the regulatory environment in Washington,

DC that could have significant impact for retirement plans.

ROBO Advisory vs. Wealth Advisory

Giselle Casella Senior Principal ConsultantACA COMPLIANCE GROUP Boca Raton, Florida

Innovation vs. Tradition. How well is our wealth industry han-dling the latest advances in “Robo” technology and how does it compare to traditional advisory services? Please join Giselle for a thought-provoking discussion of today’s wealth management client solutions.

SEC Influence to Trusts

Sara Cortes Assistant Director, Investment Adviser RegulationDivision of Investment ManagementU.S. SECURITIES AND EXCHANGE COMMISSIONWashington, D.C.

Please join Sara for an up-to-date discussion of the current rulemaking initiatives of the SEC potentially applicable to the wealth management industry.

Breakout Sessions – 10:30 - 11:30 am

Luncheon and MeetingOpen to all Conference Attendees

11:45 am - 1:15 pm

“FIRMA Annual Membership Meeting”

David B. Jonke, CTA, CPAFIRMA President


WEDNESDAY, MAY 8, 2019Breakout Sessions – 1:15 - 2:15 pm

Institutional Account Risk

Robert K. Thompson, CFP, CRSP, AIFSenior Vice President – Institutional ServicesMB FINANCIAL BANK, N.A. Chicago, Illinois

Are the risks the same in Institutional Client accounts as they are in Individual accounts? What types of accounts make up the Institutional market? Fraud can and will occur even in the most visible types of accounts.

This session will focus on various risks in Institutional ac-counts through a discussion of several real life situations. Bob will bring unique hands-on examples of risk in this market. This will include an examination of the controls that were in place or should have been in place at various levels. Attendees will learn how to (1) identify such risks and (2) how to possibly mitigate such risks before they occur.

Leading Internal Audit Practices

Patrick G. Renaud, CPA/MBAManaging Director & General AuditorTHE GLENMEDE TRUST COMPANYPhiladelphia, Pennsylvania

It’s time to raise the bar! Please join Patrick for a discussion on leading internal audit practices.

Patrick will draw on his 20+ years of internal audit experience and discuss specific practices aimed at further enhancing the stature of internal audit within your institution. Patrick will also discuss practices that can limit the efficiency and overall effec-tiveness of internal audit.

AML

Thomas C. Bogle PartnerDECHERT, LLPWashington, D.C.

This session will provide an overview of the anti-money laun-dering (AML) regulations applicable to asset managers. Attend-ees will learn how asset managers should go about developing AML risk assessment and AML compliance programs. Tom will discuss current trends in AML regulation and enforcement, emphasizing areas of focus for regulators and examiners. Tom’s session also will address U.S. sanctions trends and how to imple-ment a risk-based sanctions compliance program.

Generation Skipping Tax

Fran DeMaris Executive Vice PresidentCANNON FINANCIAL INSTITUTE Athens, Georgia

In this session, Fran DeMaris will provide a discussion of the Generation Skipping Transfer Tax Rules and Regulations. This complex area of taxation is not covered in Cannon’s Certifica-tion Program, but is a useful tool for professionals in Trust Au-dit, Compliance and Risk Management. Knowing that the new $11.4 Million Exemption Equivalent has clearly augmented the number of 706s required to be filed, there remain a number of our most wealthy clients that will indeed continue to be under its penalizing nature. Understand that Generation Skipping Trans-fer Tax is never charged alone, but is always in addition to Gift or Estate Tax payment. Distinguishing when it applies, as well as how it is charged can clarify some of its most compelling issues. The proper use of gift planning, the ability to discount valuations in gifting, the complexities of narrative language in documents and their interpretation, and the effect of Portability as a perma-nent feature of the law, are all issues of importance in this dis-cussion. Join Fran for this up-to-date and meaningful dialogue.



Power of Attorney Risks

Joanne Hindel Vice President & Regional Fiduciary ExecutiveOSBA Board Certified Specialist in Estate Planning, Trust and Probate LawFIRTH THIRD BANKCleveland, Ohio

When an Agent under a Power of Attorney document with-draws funds owned by the Principal, frustrated family members often look to the financial institution to reimburse the funds. Do you know when your financial institution might be liable for recovery of the funds?

Can you determine whether a POA Agent holds authority to withdraw funds under the following circumstances?

1. When the funds are held in an investment management account in the individual name of the Principal.

2. When the funds are held in an investment management account in the name of the Principal as trustee of his

own trust.3. When the funds are held in a revocable trust established by the Principal with the financial institution serving as trustee.How do state laws vary regarding the authority of POA Agents?These issues and others will be explored.

The Three Lines of Defense in the Boardroom

Mark Sparano Board Member and Audit Committee ChairSENTINEL TRUST COMPANYHouston, Texas

In this session, Attendees will:

• Appreciate how risk management, compliance and audit are viewed from the independent director vantage point;• Understand the fiduciary duty of the Board on a much

deeper basis;• Consider how to enhance your work product so it better

dovetails into what Board and Board Committees need; and• Learn lessons from real world examples from the independent public accountant, the chief audit executive

and the chief risk officer

The Benefits of Automation of Contract Management and E-Signature

Michael Berman CEONCONTRACTSKing of Prussia, Pennsylvania

By automating e-signature and contract management, you’ll benefit from seamless workflows that protect your organization. This workshop will address and attendees will learn:

• The evolution of electronic signatures and documents;• Best practices in the evolution of the contract, i.e. drafting, negotiating, finalizing, enacting;• Benefits of automation to gain control of your compliance

and fiduciary responsibilities through contracts; and• The importance of managing third-party risk by automating and capturing the data.

Fiduciary Fraud

Ian Mitchell Fraud ConsultantPRICEWATERHOUSECOOPERS, LLPChattanooga, Tennessee

Innovative criminal schemes abound not only in the workplace but also as they touch our lives and well-being. Please join na-tionally-known fraudfighter Ian Mitchell for a compelling over-view of fraud risks and the latest financial controls and practices for security and detection.



Investment Performance – Benchmarks, Models, and GIPS®

Michael Beck, CFP®, CAIA, CIPM Vice President of Performance MeasurementTHE GLENMEDE TRUST COMPANYPhiladelphia, Pennsylvania

In this session, Mike will discuss and attendees will learn:• Correct benchmark assignment and presentation along

with common issues around benchmarking. • What can be shown for theoretical performance models

versus real live accounts?• The Global Investment Performance Standards and the

benefits to comply with them.• When the returns go wrong and how to spot them.

Uniform Directed Trusts

Geoffrey A. MadsenChief Executive Officer and ChairmanINDEPENDENT TRUST COMPANY OF AMERICARapid City, South Dakota

In addition to being chairman and CEO of the Independent Trust Company, Geoff Madsen is a fifth generation trust ben-eficiary who knows firsthand the complexities trust assets can bring to family relationships. In this session, we will explore how uniform directed trusts can serve to align all parties with the grantor’s intent as well as beneficiaries, resulting in the opportu-nity for less conflict, and best practices for working with advisors and clients within a directed trust.

Fiduciary Fraud REPEAT SESSION

Mind, Heart and Wallet: Trends in Socially Responsible Investing

Anne T. Durkin, CFA Portfolio ManagerMAINSTREET ADVISORS LLCChicago, Illinois

Things have come a long way in “SRI” since its introduction in the 1960s. The evolution of SRI has seen an increase in investors who are not only seeking investment performance, but also are looking for impactful ways to align their values with their invest-ments. Anne’s presentation will explain ways to integrate envi-ronmental, social and governance (ESG) factors with financial analysis which can lead to an investment strategy that speaks to — and for — each investor.


THURSDAY, MAY 9, 2019Keynote Session

8:00 - 9:00 am

Top Five Fiduciary Risks

James M. Marion National Fiduciary Advisor ExecutiveU.S. TRUST, BANK OF AMERICAPrivate Wealth ManagementChicago, Illinois

Risk abounds and resources are scarce. How do we allocate our precious time and focus our divided attention on the key risks that threaten the fiduciary business?

Explore the top five fiduciary risks facing our industry and your institution. Please join Jim to identify the sources of those risks. Attendees will learn the opportunities to create sound business practices supported by preventive and detective controls in order to mitigate those risks and ensure the safety and soundness of your bank.


Trust 2030

J. Phil Buchanan Executive Chairman CANNON FINANCIAL INSTITUTEAthens, Georgia

In theory, audit is about examining what has happened in the past. Compliance is about what is currently occurring. Risk Management is about focusing on the future. When we look to the year 2030, what will the trust business entail? Artificial In-telligence will be a tool used by almost every trust organization. Mutualization of support and back office functions will be the norm. The overall trust business will become even more special-ized. Oh, and there will be tax law changes.

Or….will any of this actually occur? Join Cannon Financial Institute Chairman, Phil Buchanan, as he examines the possi-bilities and offers insights so that you and your organizations are ready, regardless of what 2030 holds.


THURSDAY, MAY 9, 2019

Conference Highlights & Key Takeaways: Audit

Leaders:

John L. Clark, CTA, CRCM, CAMS Retirement & Institutional Services Trust Operations ManagerBB&TRaleigh, North Carolina

Bruce K. Goldberg, CTA, CPA Managing Director. Deloitte AdvisoryDELOITTE & TOUCHE LLPNew York, New York

Conference Highlights & Key Takeaways:Small & Regional Banks / Risk / Compliance / FLOD

Leaders:

Bradley F. Beshea EVP, Fiduciary Compliance ManagerFROST BANKSan Antonio, Texas

Casey Jeanneret, CBA, CFIRS Director, Wealth Management Fiduciary RiskFIRST NATIONAL BANK OF OMAHAOmaha, Nebraska

Conference Highlights & Key Takeaways:Large Bank / Risk / Compliance / FLOD

Leaders:

Jennifer L. De Vries, CTASVP, Senior Managing DirectorWealth Administration, Risk, and OperationsMB FINANCIAL BANK, NARosemont, Illinois

David B. Jonke, CTA, CPA Compliance Senior Director - Wealth and Asset Man-agement DivisionSenior Vice PresidentFIFTH THIRD BANKChicago, Illinois

Conference Highlights & Key Takeaways: Regulator

Leader:

Scott Kelly, CFIRSDeputy DirectorSOUTH DAKOTA DIVISION OF BANKINGPierre, South Dakota

Conference Adjourns11:30 am

Roundtable Sessions – 10:30 - 11:30 am


Hotel and Amenities Wyndham Grand Orlando Resort Bonnet Creek14651 Chelonia ParkwayOrlando, FL 32821407-390-2300

Hotel Highlights:Play, Relax, Escape and Be You. From the picturesque land-

scape of Bonnet Creek to the tranquility of our Blue Harmony Spa to the magical adventures of the Walt Disney World Resort, our upscale resort hotel delivers unforgettable moments that will make you smile for a lifetime.

Hotel Highlights:400 luxury guestrooms, including 12 plush suites32,000 square feet of flexible function space5 pools, 2 lazy rivers, 2 kid’s splash parks and 9 hot tubsTesoro Cove, located on the lower level of the resort, is known

as a hidden treasure of fine family dining. Start your day off right with our sumptuous American-style buffet. Where else can you get home cooking without a mess?

Deep Blu Seafood Grille, this is where our chefs will pre-pare a diverse culinary journey that will awaken your palette. From fresh Atlantic seafood to the best cuts of steak around, you will go home happy.

Blue Harmony Spa is a top facility within the Bonnet Creek area and offers massage therapies, body treatments, facials, man-icures, pedicures and spa packages.

Complimentary Wi-Fi in every guest room.

For information about the city of Orlando, visit www.visitorlando.com

Hotel ReservationsConference attendees will receive a reduced group rate of

$205.00 single or double occupancy. FIRMA also has 45 gov-ernment rate rooms blocked at the Wyndham Grand Orlando Resort, from Sunday night through Wednesday night.

Hotel reservations may be made online at: FIRMA Block: https://book.passkey.com/go/FIRMA2019

FIRMA Government Block: https://book.passkey.com/go/FIRMAGov2019

Reservations may also be made over the phone by calling 407-390-2505. The guests should request the “FIRMA” or “FIRMA government” rooming block.

Attendees will be able to book up until Monday, April 15, 2019 or until our block is sold out (whichever occurs first). ALL RES-ERVATIONS MADE AFTER 5PM, Monday, April 15, 2019, ARE SUBJECT TO AVAILABILITY. The special FIRMA group rate will be honored (3) days prior and (3) days after the meeting dates, subject to availability.

DressCasual dress is recommended for all conference functions.

Orlando enjoys a hot climate; the average temperature in mid-May is 85-89 degrees with lows around 65-69 degrees at night. While attending conference sessions, a sweater or jacket is al-ways recommended.

Airport Transportation Information (Prices approximate and subject to change)A taxi will cost approximately $50.00 - 70.00 from Orlando

International Airport (MCO) to Wyndham Grand Orlando Resort Bonnet Creek. Luxury Vehicle will cost approximately $68.00 (1-3 passengers), reservations are recommended and can be made by calling 407-273-2349. Orlando International Airport has designated Ride Share passenger pickup locations as well which will run between $30.00 (Uber) to $40.00 (Lyft).

Americans with Disabilities Act FIRMA is pleased to assist in complying with ADA. If you are

an attendee with a disability, please contact Hale Mast, FIRMA Executive Director, (803) 547-8964, to discuss any auxiliary aids needed to assist you from a communications, transportation, or architectural aspect. FIRMA will then inform the hotel of your special needs.

Special Events FIRMA is pleased to announce the following complimentary

programs at this year’s conference:

On Sunday evening, May 5th, FIRMA will host a social for First-Time Conference Attendees and FIRMA New Members from 6:30 - 7:30pm. Details are on page 3. Please indicate you are a first-time attendee or new member on the conference reg-istration form.

FIRMA will host a special welcome reception poolside at the Wyndham Grand Orlando Bonnet Creek on Monday, May 6th, from 6:30 - 8:30pm. Come join us and enjoy this time to meet old and new friends attending the conference.

On Tuesday afternoon, May 7th, FIRMA is offering two Focus Sessions from 2:30 - 4:30pm, entitled Fiduciary – Not Just Reg 9 and Complex Investment Strategies and Exchange Traded Products.

The FIRMA Annual Membership Meeting will be held following the luncheon on Wednesday, May 8th. All conference attendees are invited to join us for lunch and the meeting.

NOTES

33rd National Risk Management Training Conference

REGISTRATION FORMFIRMA 33rd NATIONAL RISK MANAGEMENT TRAINING CONFERENCE

May 5 - 9, 2019 Register for: Check one: q Member q Non-member q Conference q $1,850.00* q $2,095.00* q Conference-Regulators q $1,650.00* q $1,795.00* q Pre-Conference Workshop qI qII q $315.00 q $415.00 q Focus Session qI qII (no charge for conference attendees, but pre-registration is required)

*Take a $100 discount if paid prior to March 23, 2019

Full Name – Mr ./ Mrs. / Ms. ______________________________________________________________________________________________

Name for Badge _______________________________________________________________________________qFIRST TIME ATTENDEEor NEW FIRMA MEMBER

Title ___________________________________________________________________________________________________________________

Organization ____________________________________________________________________________________________________________

Address ________________________________________________________________________________________________________________

City, State, Zip __________________________________________________________________________________________________________

Phone_____________________________________________________________ Fax _________________________________________________

E-mail Address _______________________________________________________________________________

GROUP DISCOUNTS: FOR GROUPS OF 5+ OR 10+ ATTENDEES, REGISTRATIONS MUST BE SUBMITTED AT THE SAME TIME AND PAID TOGETHER TO RECEIVE THE DISCOUNT.

If you are part of a group registration, please forward this completed form to your internal group coordinator.GROUP COORDINATORS: Please send all registrations together so that the correct discount can be applied,

and include your billing contact information for the single group invoice.

qPlease Invoice

qCheck enclosed (payable to FIRMA)

qCharge it: qVISA qMasterCard qDiscover qAmerican Express

Card Holder Name (Please Print) _______________________________________________________________________________________

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Conference Materials: All 2019 Conference attendees may access and download the conference materials, speaker outlines, and handouts from the FIRMA website and the FIRMA mobile App prior to the Conference. Registered attendees will be notified when the speaker materi-als become available.

BY MAILCopy and mail this complete form to:FIRMA, PO Box 669515, Marietta, GA 30066.

BY TELEPHONECall us at (770) 790-8355, Monday-Friday, 8 AM to 5 PM EST.

BY FAXSend this completed form to (770) 790-8363.

BY E-MAILOur e-mail address is [email protected]

REGISTER ONLINEVisit our website at www.thefirma.org.

TRAVELCall Renee at Action Travel at (800) 854-0601, ext. 3023 for travel arrangements.

PRESORTEDFirst Class

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FIRMA™Fiduciary & Investment RiskManagement Association, Inc.PO Box 669515Marietta, GA 30066www.thefirma.org

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WYNDHAM GRANDOrlando Resort Bonnet Creek

Friends, pleaseshare this brochure with all

your fiduciary colleagues!

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