Bankin’ Bits

AGENDA
1:00 p.m.  Introduction and Housekeeping

1:15 p.m.  Hot Topics in Payments, Deposits and Operations
presented by Barkley Clark and Mark Hargrave

• Recent litigation on corporate account takeovers
• New FFIEC guidance on verification of customer identity
• Automated overdraft programs and high-to-low debit posting
• Remote deposit capture and mobile banking
• Consumer arbitration agreements
• Tips for improving your deposit agreement

2:15 p.m.  Stay Out of Trouble – Dealing With Your Borrower 
presented by Mark Shaiken and Brent Erwood

This session will focus on the legal relationship between the bank and its borrowers and instances in which the nature of that relationship has resulted in liability to the bank.

3:00 p.m. Opportunities and Risks: Payroll Cards and Managing 3rd Party Risks
 presented by Karen Garrett

Banks continue to search for new sources of revenue. Could payroll cards or prepaid cards be one of the answers? Of course, with every new product involving 3rd party service providers, the bank experiences risk. This risk must be understood and managed.

3:30 p.m.  Break

3:45 p.m.  When are Assets Creditor-Proof?
presented by Kent Stallard

The manner in which assets are owned can achieve important estate planning and tax-saving goals while impeding creditors. Legitimate use of tenancy by the entirety designations, “spendthrift” and discretionary trusts and closely-held limited liability entities, along with the making of gifts, provides significant asset protection benefits. Questionable structures and transfers, however, can be challenged.

4:15 p.m.  Bank Consolidations and Dodd-Frank Branching Rules
presented by Bob Monroe

This session will (i) focus on current and future bank consolidations and (ii) cover structures, capital, pricing and regulatory hurdles. In addition, the Dodd-Frank interstate branching rules will be discussed.

4:45 p.m.  Q&A Session

5:00 p.m.  Cocktail Hour