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CFO Forum Home > Program Details
PROGRAM DETAILS
Session 1: Learning From Our Recent Experiences To Enhance Safety, Soundness, And Profitability Going Forward
Marty Mosby, ERMA Strategies, LLC
Over the last two years we have survived a pandemic, historical growth in money supply followed by the first decline in money supply in a hundred years, and the largest increase in interest rates in a year for 50 years. Despite this extreme volatility in the operating environment and interest rates the overwhelming majority of U.S. Banks continue to be profitable, albeit not as profitable as the prior two years. However, there are lessons that we can take away from what we have recently experienced in order to understand our bank’s risk profile, liquidity and capital adequacy, as well as how we can position to be more profitable in the future.
Marty Mosby, ERMA Strategies, LLC
Over the last two years we have survived a pandemic, historical growth in money supply followed by the first decline in money supply in a hundred years, and the largest increase in interest rates in a year for 50 years. Despite this extreme volatility in the operating environment and interest rates the overwhelming majority of U.S. Banks continue to be profitable, albeit not as profitable as the prior two years. However, there are lessons that we can take away from what we have recently experienced in order to understand our bank’s risk profile, liquidity and capital adequacy, as well as how we can position to be more profitable in the future.
Session 2: Counterfeit Check And Altered Check Fraud
Pat Dix, SHAZAM
Reports of check theft, identity theft, social engineering and even online extortion are filling the headlines, leading to huge losses, and giving financial institutions headaches. These crimes use old tactics and new technology to try and snatch hundreds of thousands of dollars from your customers. This session will outline ongoing threats but will also look at best practices to mitigate fraud, help educate your customers and keep the money where it belongs.
Pat Dix, SHAZAM
Reports of check theft, identity theft, social engineering and even online extortion are filling the headlines, leading to huge losses, and giving financial institutions headaches. These crimes use old tactics and new technology to try and snatch hundreds of thousands of dollars from your customers. This session will outline ongoing threats but will also look at best practices to mitigate fraud, help educate your customers and keep the money where it belongs.
Session 3: Public Accounting Panel On CECL Trends, Audit Costs, and Maintaining Independence
Moderator: Connie Nelson, CPA, United Southern Bank
Panelists:
Moderator: Connie Nelson, CPA, United Southern Bank
Panelists:
- Alison Wester, CPA, Mauldin & Jenkins
- Bradley Floore, CPA, Horne
- Morgan Crowley, CPA, Wipfli
Session 4: Human Resources And The Bottom Line
Edith Gandy, TriSource Associates
A bank has many assets, but some of them are easier to quantify than others. It’s easy to pull up a balance sheet to determine the financial assets. What balance sheets don’t reflect is the value of the skill, knowledge, talent and drive of the bank’s employees, yet these things are the driving force behind revenue and growth. It is fair to say that a bank can only be as good as the people working within it.
Just as Finance and Accounting Departments are the stewards of the bank’s financial assets, Human Resources Departments are the stewards of the “people” assets, and while the two departments’ core responsibilities differ, there needs to be synergy between the two.
This session will cover:
1.Human Resources as a critical factor in profitability
2.The concept of “human capital” and its value
3.The connection between key Human Resources functions and bottom-line performance
Edith Gandy, TriSource Associates
A bank has many assets, but some of them are easier to quantify than others. It’s easy to pull up a balance sheet to determine the financial assets. What balance sheets don’t reflect is the value of the skill, knowledge, talent and drive of the bank’s employees, yet these things are the driving force behind revenue and growth. It is fair to say that a bank can only be as good as the people working within it.
Just as Finance and Accounting Departments are the stewards of the bank’s financial assets, Human Resources Departments are the stewards of the “people” assets, and while the two departments’ core responsibilities differ, there needs to be synergy between the two.
This session will cover:
1.Human Resources as a critical factor in profitability
2.The concept of “human capital” and its value
3.The connection between key Human Resources functions and bottom-line performance
- Staffing
- Training and Development
- Risk mitigation
- Succession Planning
Session 5: Growing Revenue With Your Debit Card
Mike Holt, PRI
Interchange income has long surpassed overdraft revenue as the number one source of deposit-based non-interest income. But have you maximized its potential at your bank? In this session we'll dive into how to increase interchange income, reduce processor expenses, and establish your debit card as a profitable product. We'll share relevant community bank interchange benchmarks so that you can measure your program's success and recognize whether or not you have opportunity to impact your bottom line.
Key Learning Objectives:
How to maximize debit card profit
Mike Holt, PRI
Interchange income has long surpassed overdraft revenue as the number one source of deposit-based non-interest income. But have you maximized its potential at your bank? In this session we'll dive into how to increase interchange income, reduce processor expenses, and establish your debit card as a profitable product. We'll share relevant community bank interchange benchmarks so that you can measure your program's success and recognize whether or not you have opportunity to impact your bottom line.
Key Learning Objectives:
How to maximize debit card profit
Session 6: Liquidity
Eric Wimbush, Federal Home Loan Bank
Eric Wimbush, Federal Home Loan Bank
Session 7: CFO’s Role In Innovation
Brandon Quiterio, Wolf & Company
The need for financial institutions to embrace technology and innovation has become increasingly apparent over the past several years. In order for financial institutions to achieve their strategic goals, the need to examine existing technology providers, customer experience, and access to data is critical. With mounting pressure in the form of increased competition from large banks, fintech providers, and community institutions with advanced digital capabilities, the time to innovate is now. This presentation examines the CFO’s role in innovation, including current opportunities with automation, new fintech providers, and workflow analysis to support digital investment.
In this session, we’ll cover:
Brandon Quiterio, Wolf & Company
The need for financial institutions to embrace technology and innovation has become increasingly apparent over the past several years. In order for financial institutions to achieve their strategic goals, the need to examine existing technology providers, customer experience, and access to data is critical. With mounting pressure in the form of increased competition from large banks, fintech providers, and community institutions with advanced digital capabilities, the time to innovate is now. This presentation examines the CFO’s role in innovation, including current opportunities with automation, new fintech providers, and workflow analysis to support digital investment.
In this session, we’ll cover:
- New fintech providers and actual use cases
- How to analyze existing processes for automation opportunities
- Robotic Process Automation and when to invest
Session 8: Opportunities for Increasing Profitability Using Tested Deposit and Funding Strategies
Danny Capitel, IntraFi
At IntraFi, we talk to banks daily about what their customers want, how the latest economic changes are impacting deposit costs, and tactics for building a resilient balance sheet. Discover deposit and funding strategies to consider for your bank’s unique goals.
Danny Capitel, IntraFi
At IntraFi, we talk to banks daily about what their customers want, how the latest economic changes are impacting deposit costs, and tactics for building a resilient balance sheet. Discover deposit and funding strategies to consider for your bank’s unique goals.
Session 9: Regulatory Update
Kathy Kraninger, Florida Bankers Association
Kathy Kraninger, Florida Bankers Association
Session 10: Banker Panel
- Matt Ivers – Citizens First Bank, The Villages
- Andrew Kurtz – The First National Bank of Mount Dora
- Mark Deitz – First Bank of Clewiston
- Connie Nelson - United Southern Bank in Lake County
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