Schedule of Events

Sunday, April 23, 2023
2:30 PM – 3:00 PM Registration & Refreshments with the Exhibitors
3:00 PM – 3:45 PM Life in Serverless Environment
3:45 PM – 4:30 PM Outlook for Community Banks as the Fed Fights Inflation
4:30 PM – 5:30 PM The Perfect Storm
5:30 PM – 6:30 PM Reception with the Exhibitors
Dinner on Your Own
Monday, April 24, 2023
7:15 AM – 8:00 AM Breakfast with the Exhibitors
8:00 AM – 8:45 AM Economic Update
8:45 AM – 9:30 AM Faster Payments Pilot: Lessons Learned From Leaders
9:30 AM – 9:45 AM Break with the Exhibitors
9:45 AM – 10:30 AM Focus on the Bottom Line: Practical Ideas to Grow Revenue and Reduce Expenses
10:30 AM – 11:30 AM The Funny Thing About Stress
1:00 PM – Golf Tournament Shotgun Start
6:15 PM – 7:00 PM Reception with the Exhibitors
7:00 PM - 8:00 PM Dinner
8:00 PM – 10:00 PM Lost Wax Band 
Tuesday, April 25, 2023
7:15 AM – 8:00 AM Breakfast with the Exhibitors
8:00 AM – 8:45 AM Balance Sheet Strategies in the Current Environment
8:45 AM - 9:30 AM PACE Financing: The Past, Present and Future 
9:30 AM – 9:45 AM Break with the Exhibitors
9:45 AM – 10:30 AM The Talent Imperative, Engaging Your People, Wherever They Are
10:30 AM – 11:30 AM Courageous Leadership - Living a Life of Influence
Adjourn

SPEAKER LINE UP

Sunday - April 23, 2023
SessionBlock

3:00 PM - 3:45 PM

Life in a Serverless Environment

Could you move all your computing to the Cloud? What would that look like? What would it cost? What are the pros and cons?
Mr. Milton Bartley
Mr. Milton Bartley
ImageQuest LLC

3:00 PM - 3:45 PM


Mr. Milton Bartley
Mr. Milton Bartley
ImageQuest LLC
4/23/2023 3:00:00 PM

Life in a Serverless Environment

Could you move all your computing to the Cloud? What would that look like? What would it cost? What are the pros and cons?
Milton Bartley is one of the region’s most recognizable business leaders. From serving as a combat leader in the United States Army to launching a world-class IT services company, his drive to achieve has led him to the fulfillment of a better life for himself, his family and his employees. Milton co-founded ImageQuest in 2007, and it quickly became one of Nashville’s fastest growing technology companies. ImageQuest is recognized as a pioneer in providing Managed IT, Cybersecurity and IT Compliance services. As the world cyber threat landscape has changed dramatically over the last two decades, Milton’s expertise uniquely has positioned him and ImageQuest to provide proactive risk management and IT compliance & governance programs for growing organizations in numerous industries. Numerous companies value Milton’s advice as their IT Consultant and vCISO. Milton is currently a member of the Forbes Technology Council, an invitation-only community for World-Class CIOs, CTOs, and Technology Executives. Criteria for acceptance include a track record of successfully impacting business growth metrics, as well as personal and professional achievements and honors. Milton’s latest article for Forbes can be found here: bit.ly/ForbesIQ – “Why Prioritizing Cybersecurity Makes Compliance Easier” Milton also has been an MSP Mentor Top 250, which recognizes the world’s top managed services provider (MSP) executives, entrepreneurs, and experts. Milton believes “it takes a team of committed individuals to build and grow a business in today’s world of rapidly changing technology.”

3:45 PM - 4:30 PM

Outlook for Community Banks as the Fed Fights Inflation

Elevated inflation and the Federal Reserve's efforts to tame it have sparked recessionary fears in the marketplace and caused liquidity pressures to surface. But, the return of higher rates has also brought record net interest margin expansion across the banking industry. Nathan Stovall, director of financial institutions research at S&P Global Market Intelligence, can discuss how higher interest rates and inflation will impact the competitive landscape, community bank profitability and institutions strategies, and share his proprietary community bank projections.
Nathan Stoval
Nathan Stoval
S & P Global Markets

3:45 PM - 4:30 PM


Nathan Stoval
Nathan Stoval
S & P Global Markets
4/23/2023 3:45:00 PM

Outlook for Community Banks as the Fed Fights Inflation

Elevated inflation and the Federal Reserve's efforts to tame it have sparked recessionary fears in the marketplace and caused liquidity pressures to surface. But, the return of higher rates has also brought record net interest margin expansion across the banking industry. Nathan Stovall, director of financial institutions research at S&P Global Market Intelligence, can discuss how higher interest rates and inflation will impact the competitive landscape, community bank profitability and institutions strategies, and share his proprietary community bank projections.
Nathan Stovall, with 17 years' experience covering the banking sector, is a principal analyst for the FIG Research offering of S&P Global Market Intelligence. His primary responsibilities include covering and analyzing financial institutions, with a focus on the banking industry.

He is the author of the banking blog, Street Talk, and host of the podcast by the same name. His in-depth analysis of the banking industry, including a focus on community banks, can be found on SPGMI's Research & Analysis feature, which includes historical and forward-looking performance figures.

During his tenure, he has regularly covered and participated on the conference circuit, moderating panels and webinars focused on major issues facing banks. He has spoken as industry events as well, offering updates on bank fundamentals, market conditions and forecasts for what lies ahead. He has been quoted in a number of trade publications and the national press, including The Wall Street Journal, The New York Times, The Financial Times and has appeared on Fox Business News and NPR's Planet Money.

Nathan holds a Bachelor of Arts degrees from Washington & Lee University, where he majored in business journalism.

4:30 PM - 5:30 PM

The Perfect Storm

The Pandemic initiated the perfect storm for fraudsters. Criminal activity affecting financial institutions has flourished. These activities range from counterfeit currency and check fraud to elder fraud, student fraud and crimes targeting ATMs. Mike will identify trending criminal activities and considerations to help your staff and customers become storm spotters.
Michael Burke
Michael Burke
SHAZAM

4:30 PM - 5:30 PM


Michael Burke
Michael Burke
SHAZAM
4/23/2023 4:30:00 PM

The Perfect Storm

The Pandemic initiated the perfect storm for fraudsters. Criminal activity affecting financial institutions has flourished. These activities range from counterfeit currency and check fraud to elder fraud, student fraud and crimes targeting ATMs. Mike will identify trending criminal activities and considerations to help your staff and customers become storm spotters.
Mike Burke brings three decades of law enforcement, retail loss prevention and training experience to your event. After a 20-year career, Mike was tapped to lead the first Homeland Security Training Center in Iowa. He went on to work with some of the largest retailers in the country to prevent theft loss before bringing his wealth of experience to SHAZAM’s community institutions. His timely and comprehensive presentations are an invaluable resource for organizations looking to tackle issues like card cloning, skimming fraud, robbery prevention and elder fraud.
Monday - April 24, 2023
SessionBlock

8:00 AM - 8:45 AM

Economic Update


Mr. Chris Low
Mr. Chris Low
FHN Financial

8:00 AM - 8:45 AM


Mr. Chris Low
Mr. Chris Low
FHN Financial
4/24/2023 8:00:00 AM

Economic Update

Chris has more than 30 years’ experience tracking US and global economies, financial markets, central banks, and fiscal policy, as well as six years’ experience as a money manager, giving him a unique ability to distill economic events into information useful to investors.

Chris writes daily economic and market updates, weekly economic commentaries, and regular economic forecasts. He is a frequent and popular speaker at national conferences and forums. He is a member of SIFMA’s Economic Committee and the American Bankers Association’s Economic Advisory Committee to the Federal Reserve Board of Governors, where he has served as Chairman.

Chris has been quoted in Business Week, The Wall Street Journal, The New York Times, and many other publications around the world. He is a regular on Bloomberg TV, CNBC, and Fox Business Channel and on BBC World Service radio and American Public Media’s “Marketplace.” Chris has been recognized multiple times by Bloomberg as the most accurate forecaster of Treasury note yields.

Chris is a graduate of New York University.
SessionBlock

8:45 AM - 9:30 AM

Faster Payments Pilot: Lessons Learned From Leaders

Moderator
Patrick Dix
Patrick Dix
SHAZAM

8:45 AM - 9:30 AM


Patrick Dix
Patrick Dix
SHAZAM
4/24/2023 8:45:00 AM

Faster Payments Pilot: Lessons Learned From Leaders

Moderator		Patrick Dix leads SHAZAM’s relationships and partnerships with more than 70 industry organizations and trade associations. The focus of SHAZAM’s strategic alliances is to support the advocacy work of association partners and ensure community financial institutions have a strong voice in the payments industry. Before joining SHAZAM, he spent 25 years as a broadcast journalist, including 16 years as the senior morning news anchor at the NBC affiliate in Des Moines, Iowa.

Faster Payments Pilot: Lessons Learned From Leaders

Moderator
Patrick Dix
Patrick Dix
SHAZAM
SessionBlock
Andrew Couse
Andrew Couse
First Bank

8:45 AM - 9:30 AM


Andrew Couse
Andrew Couse
First Bank
4/24/2023 8:45:00 AM Andrew Couse is Executive Vice President and COO of First Bank in Clewiston, FL. He joined the bank in 2005 after a rather diverse career history of high school band director and statistical analyst for the University of Florida football team. He learned banking from the ground up, starting as a teller and working through most departments of the bank, to commercial loan officer. He has also held the various roles of BSA Officer, E-Banking Officer, Information Security Officer, and Retail Banking Officer. As COO he oversees retail banking, branch operations, digital banking, deposit operations, and loan servicing departments. Born in Clewiston, he received a Music Education degree from the University of Florida and an MBA from Florida Gulf Coast University. He is also a graduate of the Graduate School of Banking at LSU. Active in his community he serves on the boards of the Rotary Club of Clewiston, Glades County Economic Council and SW Florida Community Foundation. He resides in Moore Haven, FL with his wife Belinda.

Andrew Couse
Andrew Couse
First Bank
Allison Ingerson
Allison Ingerson
Wells River Savings Bank

8:45 AM - 9:30 AM


Allison Ingerson
Allison Ingerson
Wells River Savings Bank
4/24/2023 8:45:00 AM Ms. Ingerson has been in the banking industry for15 years, beginning at the teller position. She has worked in the Proof Department, Bookkeeping, Document Imaging, IT and Operations. She has spent the bulk of her career in IT and Operations.

Allison Ingerson
Allison Ingerson
Wells River Savings Bank
Mr. Manish Nathwani
Mr. Manish Nathwani
SHAZAM

8:45 AM - 9:30 AM


Mr. Manish Nathwani
Mr. Manish Nathwani
SHAZAM
4/24/2023 8:45:00 AM With his quick wit and engaging personality, Manish makes complex technical subjects understandable for all audiences. His international experience forms a solid foundation of understanding the history and future of the payments ecosystem. He’s an active member of the board of advisors of EMVCo and the U.S. Payments Forum representing the key interests of debit networks among current and emerging technologies, such as mobile payments and the internet of things. Manish is an HP Mission Critical Consultant and member of the Accredited Standards Committee X9 and the American National Standards Institute.

Mr. Manish Nathwani
Mr. Manish Nathwani
SHAZAM
SessionBlock

9:45 AM - 10:30 AM

Focus on the Bottom Line: Practical Ideas to Grow Revenue

Traditional methods of generating bank revenue are declining, and banks must look to maximize interchange income as the number one source of deposit-based non-interest income. 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. On the flip side, banks must manage and reduce expenses throughout the bank in order to thrive in the future. This session will additionally offer benchmarks for measuring appropriate expense levels and discuss topics from technology and contracts to bank-wide efficiency.
Mr. Tom McGill
Mr. Tom McGill
Profit Resources, Inc
12455/SESS64/24/2023 9:45:00 AM

Focus on the Bottom Line: Practical Ideas to Grow Revenue

Traditional methods of generating bank revenue are declining, and banks must look to maximize interchange income as the number one source of deposit-based non-interest income. 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. On the flip side, banks must manage and reduce expenses throughout the bank in order to thrive in the future. This session will additionally offer benchmarks for measuring appropriate expense levels and discuss topics from technology and contracts to bank-wide efficiency.		Using his more than 35 years of banking experience, Tom has a proven track record of solving problems and achieving measurable objectives. He is successful at integrating seemingly disparate functions and personalities through collaboration and consensus building across a variety of professional disciplines. His expertise in digital banking, payment systems, debit and credit cards, product development, customer experience, marketing, and conversions make him a valuable asset to profitability projects with financial institutions. Tom lives in the Cincinnati area.

10:30 AM - 11:30 AM

The Funny Thing About Stress

In our frenzied world, people need to be reminded of the importance of managing their stress, keeping a sense of humor and maintaining a positive attitude for peak performance and success in all areas of their lives. The so-called “little things” in life can become cumulative if we don’t stop them in their tracks. We need to manage our stress before it manages us!
Kay Frances
Kay Frances
12455/SESS74/24/2023 10:30:00 AM

The Funny Thing About Stress

In our frenzied world, people need to be reminded of the importance of managing their stress, keeping a sense of humor and maintaining a positive attitude for peak performance and success in all areas of their lives. The so-called “little things” in life can become cumulative if we don’t stop them in their tracks. We need to manage our stress before it manages us!		Motivational Humorist and Author, Kay Frances MBA, has shared her message to “lighten up, stress less and take care of ourselves” in 40 states and Canada for over 30 years. She holds a Master's Degree in Business Administration, a degree in Health and Physical Education and a 4th degree black belt in karate. She was also a family caregiver for 7 years.

Kay is the author of “The Funny Thing about Stress; A Seriously Humorous Guide to a Happier Life.”

When it comes to humor, Kay is the "real deal" having performed as a professional standup comedian for many years and appearing on a number of national television and radio programs including Lifetime Cable’s “Girls Night Out” and NBC’s “America’s Funniest People”. She also lived and performed in New York City where she appeared at the nation’s top comedy clubs such as “The Improvisation” and “Catch a Rising Star.”

Kay Frances combines her years of standup comedy, her education and her passion for her message to offer a unique skill set not often found in one speaker. When it comes to managing stress, Kay learned the hard way by engaging in every unhealthy habit known to man. It was a long, winding, hilarious road back to sanity and good health and Kay generously shares what she learned along the way. It’s clean, relatable humor-with-a-message at its funniest! Your stress level will thank you!
Tuesday - April 25, 2023
SessionBlock

8:00 AM - 8:45 AM

Balance Sheet Strategies in the Current Environment

This session will discuss strategies currently being employed by banks to hedge interest rate risk and combat margin compression. The velocity of interest rate movements and loan/deposit flows has led to a number of transactions that will be described. These include transactions in the securities portfolio, wholesale liabilities, and interest rate derivatives.
Daniel Anderson
Daniel Anderson
Stifel

8:00 AM - 8:45 AM


Daniel Anderson
Daniel Anderson
Stifel
4/25/2023 8:00:00 AM

Balance Sheet Strategies in the Current Environment

This session will discuss strategies currently being employed by banks to hedge interest rate risk and combat margin compression. The velocity of interest rate movements and loan/deposit flows has led to a number of transactions that will be described. These include transactions in the securities portfolio, wholesale liabilities, and interest rate derivatives.		Daniel Anderson is a Managing Director in the Strategies and Analytics Group at Stifel. In his role he helps depositories with balance sheet management and investment portfolio strategies, as well as evaluation of asset/liability exposure and liquidity management.

Daniel has more than ten years of experience working with community banks and credit unions, primarily in fixed income product areas and asset/liability management. Prior to joining Stifel in 2022, Daniel worked as a Strategist at Vining Sparks for over 5 years. He previously served as an Asset/Liability Analyst from 2010 to 2014 with another regional broker-dealer. He began his career in bond accounting in 2008.

Daniel attended the University of the South in Sewanee, TN. He graduated with a Bachelor of Arts in Economics in 2007. Daniel holds the FINRA Series 7 and 63 licenses.

8:45 AM - 9:30 AM

PACE Financing: The Past, Present and Future

Since its inception in 2010, PACE has seen explosion growth over the past 5 years. During this session, you'll learn about the history of PACE and how PACE has become an important part of capital stacks, especially in development projects. Attendees will also hear about future plans regarding funding sources and other market developments.
Mr. Christopher Jones
Mr. Christopher Jones
Energize Kentucky

8:45 AM - 9:30 AM


Mr. Christopher Jones
Mr. Christopher Jones
Energize Kentucky
4/25/2023 8:45:00 AM

PACE Financing: The Past, Present and Future

Since its inception in 2010, PACE has seen explosion growth over the past 5 years. During this session, you'll learn about the history of PACE and how PACE has become an important part of capital stacks, especially in development projects. Attendees will also hear about future plans regarding funding sources and other market developments. 		Chris is Program Manager of Energize Kentucky which is a PACE financing Program Administrator for participating local governments throughout Kentucky. Energize Kentucky was created in 2015 and since that time, along with his PACE work in Ohio, has been part of a team that has facilitated over $700 million in PACE financing for energy efficiency & renewable energy projects.

Prior to PACE financing, Chris worked in private contracting a General Manager for both a spray foam insulation company and heating & cooling company. He also was a Sales Leader for a green products showroom. Chris’s passion is assisting building owners in reducing their energy consumption.

Chris was born and raised in Ashland, Kentucky. He has a B.S. in Environmental Sciences from the University of Kentucky and also lettered as a UK basketball walk-on during the 1988-89 season.

9:45 AM - 10:30 AM

The Talent Imperative, Engaging Your People, Wherever They Are

The banking industry has been on the path of HR transformation since the disruption caused by the pandemic and the subsequent changing expectations of the workforce of the future. The result has been predictable: an unprecedented battle for talent that will continue to redefine your people strategies & priorities in the next decade. Now is the time to double down on your people strategies. What can you be doing now to retain your most highly-valued employees? What does your talent pipeline look like? Do you have a competitive compensation & benefits structure? Do you have a clearly defined Employee Value Proposition?
Susan Pittman
Susan Pittman
MCM CPAs & Advisors

9:45 AM - 10:30 AM


Susan Pittman
Susan Pittman
MCM CPAs & Advisors
4/25/2023 9:45:00 AM

The Talent Imperative, Engaging Your People, Wherever They Are

The banking industry has been on the path of HR transformation since the disruption caused by the pandemic and the subsequent changing expectations of the workforce of the future. The result has been predictable: an unprecedented battle for talent that will continue to redefine your people strategies & priorities in the next decade. Now is the time to double down on your people strategies. What can you be doing now to retain your most highly-valued employees? What does your talent pipeline look like? Do you have a competitive compensation & benefits structure? Do you have a clearly defined Employee Value Proposition? 		Susan is the HRAS Team Leader & Principal Consultant with 30 + years of experience in HR and Organizational Development, people strategy and culture transformations. A proven, global HR thought leader, Susan works with executives and their teams to create intentional organizational cultures and develop leadership bench strength. Susan is the former V.P. of People & Culture for a large Louisville-based Architectural & Engineering Firm. Before that she led the leadership development and talent development strategies for a Fortune 100 hospitality company, where she traveled globally developing leadership capabilities and strategies. Susan’s broad range of experience help Clients to create HR strategies that support and enable the business and create purposeful, meaningful work and delivers business results.

10:30 AM - 11:30 AM

Living a Life of Influence

On November 23, 2013, Dan Meers came within inches of losing his life while practicing a bungee jump and zip line stunt at Arrowhead Stadium… home of the Kansas City Chiefs. What Dan anticipated being the thrill of a lifetime ended up being the spill of a lifetime. The stunt went terribly wrong and Dan plummeted 75 feet before crashing into the stadium seats. Miraculously Dan survived. He spent 9 days in the hospital and got some really big scars. Dan smiles when he says, “Scars are just Tattoos that come with a Cool Story”. During this powerful presentation Dan shares his incredible story and the important lessons that he learned during his long road to recovery about leadership and about life.
Dan Meers
Dan Meers

10:30 AM - 11:30 AM


Dan Meers
Dan Meers
4/25/2023 10:30:00 AM

Living a Life of Influence

On November 23, 2013, Dan Meers came within inches of losing his life while practicing a bungee jump and zip line stunt at Arrowhead Stadium… home of the Kansas City Chiefs. What Dan anticipated being the thrill of a lifetime ended up being the spill of a lifetime. The stunt went terribly wrong and Dan plummeted 75 feet before crashing into the stadium seats. Miraculously Dan survived. He spent 9 days in the hospital and got some really big scars. Dan smiles when he says, “Scars are just Tattoos that come with a Cool Story”. During this powerful presentation Dan shares his incredible story and the important lessons that he learned during his long road to recovery about leadership and about life.		Mascot, Motivational Speaker, Author and Family Man

Dan Meers has been KC Wolf, the mascot of the Kansas City Chiefs, for more than 25 years. In 2006 he was selected as the first NFL mascot inducted into the Mascot Hall of Fame. Dan travels throughout the United States and the world entertaining thousands of people both in and out of costume. He has performed in over 30 states and six different countries.

He is in high demand not only as a mascot but also as a humorous and motivational speaker to audiences of all ages. His enthusiasm, optimism and love for life are contagious and make Dan an inspiration to all those he meets.

Be it young or old, executive or blue collar, his audiences walk away with a smile and a renewed spirit to live life to the fullest.

Whether you’re a Kansas City Chiefs fan or not, you’ll enjoy Dan Meers as he shares his unique wit and wisdom about life.