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Join us for an unparalleled opportunity to learn the latest about the CECL implementation process, best practices from peer institutions, and the opportunities ahead.

Countdown to CECL will bring together senior practitioners and experts from credit unions, community banks, and regional banks. Attendees will learn from one another, across industries, to better prepare for what lies ahead.

specialized Tracks

Master best practices for firms like yours. Join sessions specific to credit unions, community banks, and regional banks.

deep-dive sessions

Take advantage of a dozen sessions over the 1.5-day schedule. The agenda is packed with sessions covering economic scenarios, audit requirements, a TRG update and more.

NETWORKING

Exchange ideas and make new connections during our breaks throughout the day and evening receptions.

CECL Countdown: Agenda Highlights

This complimentary one and a half day conference will feature a packed agenda, including streams tailored to specific business sectors. Session highlights include:

  • Beyond the Allowance: The Far-Reaching Impacts of CECL
  • Common Methodologies for Credit Unions and Community Banks: Which Accounting Assumptions Matter Most?
  • The Regulatory Landscape: The View from the Trenches
  • Regional Bank Governance: What Are the Necessary Ingredients from Model Risk Management
  • A TRG Update: The Latest Update and What's In Store

Fees and Registration

Who should register

Senior-level executives at any credit union, community bank, or regional bank involved in the CECL implementation process

Register now

Conference fees

This Conference is complimentary* for senior-level executives at any credit union, community bank, or regional bank

*Additional travel and hotel costs are not included.

venue information

Highlighted Speakers

Alison Clarke
Chief Accountant

NCUA

Leslie Seidman
Independent Corporate Director & Former Chairman of FASB
Paul Oseland
Accounting Specialist

Federal Reserve Bank of Kansas City

Mark Zandi
Chief Economist

MOODY'S ANALYTICS

Schedule at a Glance

4:00 Pm to 5:30 Pm

Registration

5:00 PM to 6:00 PM

welcome reception

7:30 am

Registration

8:00 am to 9:00 AM

breakfast

9:00 am to 9:05 am

conference welcome by Moody's Analytics president: mark almeida

9:05 am to 9:45 am

Fireside Chat with Former FASB chair: Leslie Seidman

Kick-off the conference with a fireside chat featuring FASB former chairman Leslie Seidman. Ms. Seidman will discuss how CECL came to be, the joint effort pursued with regulators at the onset of the new standard setting process, and draw parallels between CECL and other similar standards, and what can be learned. Additional discussion topics will include the cost-benefit analysis process for standard setting, and how the investors and bankers perspectives are taken into account.

Speaker: Leslie Seidman, Independent Corporate Director & Former Chair of the Financial Accounting Standards Board (FASB)

Moderator: Masha Muzyka, Senior Director and Team Lead - Risk and Accounting Solutions, Moody's Analytics

breakout sessions

9:50 AM TO 10:35 am

Regional Bank Breakouts

Regulatory Update: A View from the Trenches

Learn from representatives of the mid-size bank regulatory bodies on their plans to address the new CECL allowance, including regulation changes, capital requirements, and exams.

Speakers:

Paul Oseland, Accounting Specialist, Federal Reserve Bank of Kansas City
Jennifer Smith,
FDIC

Moderator: Robby Holditch, Director - Solutions Specialist, Moody's Analytics

Credit Union & Community Bank Breakouts

Regulatory Update for Credit Unions

Presentation of the WARM method as an acceptable method for smaller credit unions and a discussion of how NCUA is examining for CECL preparedness in 2019 and 2020.

Speaker:

Alison Clark, Chief Accountant - Office of Examination & Insurance, NCUA

10:35 aM to 11:00 Am

networking break

11:00 am to 11:45 am

Regional Bank Breakouts

Audit Requirements (PCAOB) and TRG Update

Leaders at the nation's leading accounting firms will share their plan to tackle the challenges of auditing CECL estimates and control infrastructures for 2019 audits and beyond.

Speakers:
Graham Dyer, Partner, Grant Thornton
Jonathan Prejean,
Managing Director, Accounting and Reporting Transformation, Deloitte & Touche LLP

Moderator: Scott Dietz, Director - Solutions Specialist, Moody's Analytics


Credit Union & Community Bank Breakouts

Making CECL Estimates Forward-Looking: Approaches for Smaller Institutions

One of the most challenging aspects of CECL, especially for community banks and credit unions, is incorporating forward-looking information about the economy into calculations of expected losses.

We'll discuss: how to create reasonable and supportable forecasts of the economy for the lifetime of a loan and how to use this information in calculating expected losses.

With CECL being non-prescriptive, there is more than one acceptable approach. In this session, we discuss some of these approaches, focusing especially on qualitative factor overlays.   

Speaker:
Sohini Chowdhury, Director - Risk and Accounting Solutions, Moody's Analytics

11:50 am to 12:35 pm

Regional Bank Breakouts

Producing and Using Reasonable and Supportable Macroeconomic Forecasts in CECL

With CECL being principles-based, institutions have options regarding how they use the information from macroeconomic forecasts in estimating loss reserves. These options range from simple qualitative overlays to full-blown stochastic simulations.

In this session, we will discuss some of these options, focusing on the choice of scenarios and scenario weights, and also on the process of generating macroeconomic forecasts which are both reasonable and supportable.

Speaker:
Cristian deRitis, Senior Director - Deputy Chief Economist, Moody's Analytics

Credit Union & Community Bank Breakouts

Audit Requirements

Learn directly from one of the leading accounting firms for credit unions and community banks on their plan to tackle the challenges of auditing CECL estimates and control infrastructures for 2019 audits and beyond.

Speaker:
Julee Fox, Partner, BKD

Mandi Simpson, Partner, Crowe

Moderator: Robby Holditch, Director - Solutions Specialist, Moody's Analytics

12:35 PM to 1:50 pm

keynote luncheon: the macroeconomic consequences of financial system regulation since the financial crisis

Speaker: Mark Zandi, Chief Economist, Moody's Analytics

1:55 pm to 2:40 pm

Regional Bank Breakouts

Peer Institution Panel: Discoveries and Determinations

This session will offer a unique chance to learn from those who have already begun their CECL implementation process. Topics will include lessons learned from system changes, policy updates, and corporate planning.

Speakers:


Jim Dunne, Senior Vice President of Risk Analytics, TCF Bank

Tom Russo, Vice President - Loss Forecasting & Modeling, Sallie Mae

Nick Tornabene, Director of Risk Management, USAA

Isidore Verla, Senior Vice President, First Citizens Bank

Moderator: Laurent Birade, Senior Director - Solutions Specialist, Moody's Analytics


Credit Union & Community Bank Breakouts

Data Challenge: Key Elements, Remediation Strategies, and CECL Options

As the implementation of the CECL standard progresses, learn tactical implementation strategies used by your peers to remedy lack of data and the options available to produce your CECL estimates in a reasonable and supportable fashion.

Speaker:
Christian Henkel, Senior Director - Advisory Services, Moody's Analytics

2:45 pm to 3:30 pm

Regional Bank Breakouts

CECL Implications for Model Risk Management and Validation

This session will provide an overview of the implications of CECL to model validation practices across mid-size banks.  The panelists will present options and best practices to keep up with the increasing requirements.

Speakers:


Larry Lee, Senior Vice President, Quantitative Risk Analytics and Financial Planning and Analysis, Citizens Business Bank

Anthony Sepci, Partner - KPMG


Credit Union & Community Bank Breakouts

CECL Impacts on Profitability and Risk-Based Pricing

Profitability and risk-based pricing will no doubt be impacted by the new allowance standard. Learn how these impacts can affect your institutions and what strategic portfolio management elements you may have to turn to. Hear insights on balance sheet and optimization of portfolios.

Speaker:
John Toohig, Managing Director, Raymond James

3:30 pm to 3:55 pm

networking break

3:55 pm to 4:40 pm

Regional Bank Breakouts

Concentration Risk and Earnings Volatility Under CECL: Implications for Credit Risk Measurement and Management

It is well recognized that CECL impacts the allowance process. Its impact on dynamics in earnings, and concentration risk is also becoming apparent. Leading industry experts will discuss approaches for measuring concentration risk under CECL, and the implications of concentration risk on portfolio losses. They will also explore managing these dynamics under CECL through improved origination strategies.

Speakers:


Anna Labowicz, Director- Product Specialist, Moody's Analytics

Amnon Levy, Managing Director, Head of Portfolio and Balance Sheet Research, Moody's Analytics


Credit Union & Community Bank Breakouts

CECL Impacts on the Business of Lending at Credit Unions & Community Banks: The Good, the Bad, and the Ugly

Hear from institutions like yours on the impacts on business lending that may come from the implementation of the CECL standard.

Speakers:

Anne P. Martinez, EVP and Senior Loan Review Officer, Southside Bank

James O'Brien, Director of Credit Risk & Analytics, Seacoast Bank

Julie Renderos, Executive Vice President and CFO, Suncoast Credit Union

Moderator: Mark McKenna, Senior Director - Solutions Specialist, Moody's Analytics

2:25 AM TO 3:00 PM

Modern Risk Decision Making for the Current Credit Cycle:
How to Make Faster, Better Decisions

A Customer's Insight into Digital Transformation

From Private Firm Credit Models to Commercial Real Estate Risk Management to Credit Decisioning, are you utilizing a more complete product suite to enhance your origination and risk rating capabilities?  utilize multiple products to enable their digital transformation

  • Hear one bank’s journey to integrate and

Speaker:
Mary-Kathryn Dotzko
TD Bank Financial Grou

The Cohort of One:
The Principles and Practices of Risk Management in a Digital World

What’s Around the Bend for CRE? The Economy, Market Fundamentals, and Valuation Considerations

There is much talk about when the next recession might be, what might drive it, and warning signals to watch out for.

  • Different property types and geographic markets are in varying stages of their respective business cycles,
  • though affected by macro realities.
  • In this session, we will discuss market fundamentals for specific property types and geographies, risks and opportunities inherent in each,
  • and how quickly valuations and risks may change given a regime of rising interest rates.
4:45 pm to 5:30 pm

An analyst view: forthcoming guidance and the Impacts of cecl

This session will provide an update from analysts and industry experts on the expected impact to be disclosed by the nation's mid-size banks in the second half of the year; and what that will mean for the market.

Presented by:

Brock Vandervliet, Executive Director and Senior Analyst, UBS

Moderator:

Robby Holditch, Director - Solutions Specialist, Moody's Analytics

6:00 pm to 7:00 pm

networking reception

8:00 am to 9:00 am

breakfast

9:00 am

opening remarks

9:05 am to 9:45 am

Automation best practices for period end process

Mid-size and smaller institutions face a dilemma at each quarter end - conclude the allowance process in the same allotted time as the incurred loss process even as the review includes every single loan at the institution. When faced with the choice to automate or ramp-up staffing, institutions leveraging technology will gain a competitive advantage. Learn how we can help automate the process for your institution based on our most recent experiences.

Presented by: Emil Lopez, Director of Risk Management, Moody's Analytics

9:45 am to 10:30 am

Understanding first-hand impacts of CECL assumptions: a hands on review

This session will offer an in-depth treatment of the impacts of different CECL assumptions. These include the impacts CECL will have on credit risk management, profitability forecasting, and investors disclosures. This session will offer a hands-on approach to understanding these impacts.

Presented by: Laurent Birade, Senior Director - Risk and Accounting Solutions, Moody's Analytics

10:30 am to 11:00 am

morning break

11:00 Am to 11:45 Am

Regional Bank Breakouts

Consumer Models and Methodologies: Champion, Benchmarks, and Challenger Models

Learn best practice methodologies for developing and using models for consumer lending to produce CECL estimates.  In this session, we will discuss what factors to consider while modeling and how these differ based on data availability. The asset class in question and limitations of historical data will determine whether a customized model or an industry model is more appropriate. We will discuss the challenges of modeling each component of expected loss - PD, prepayment, LGD, and EAD – in the consumer lending space.

Speakers:


Pouyan Mashayekh, Senior Director - Consumer Credit Analytics, Moody's Analytics

Credit Union & Community Bank Breakouts

CECL Forecasting, EPS, Strategic Planning and Peer Comparison Analysis

CECL impacts will be far and wide, understanding EPS estimates process changes, strategic planning and peer analysis forecast under the new guidance will require some adaption. Hear from our experts on how to tackle this challenge in a manageable way.

Speakers:  

Anna Labowicz, Director - Product Specialist, Moody's Analytics

Ed Young, Senior Director - Advisory Services, Moody's Analytics

11:45 am to 12:30 pm

Regional Bank Breakouts

Life of Loan Dilemma for Credit Cards: A Practical Approach

While the concept of product lifetime is well understood for installment loans, it is more complicated for revolving products such as credit cards which effectively have no term limit. U.S. credit cards are typically unconditionally cancelable which allows the institution to calculate expected losses on only committed debt.

Modeling the evolution of committed debt presents a new challenge to credit modelers. In this session, we discuss several potential techniques and assumptions that can be used to calculate expected losses on committed debt.

Speaker: David Fieldhouse, Director of Consumer Credit Analytics, Moody's Analytics


Credit Union & Community Bank Breakouts

Benchmarking CECL Estimates: A Simple Solution

Learn how to use scenario-conditioned forecasts of bank and credit union call report data to benchmark your CECL estimates to a peer group or the industry.

Using this practice, we also discuss calculating CECL reserves at a future date to provide valuable information for budgeting and planning.

Speaker:  Sohini Chowdhury, Director - Economic Research, Moody's Analytics

12:30 pm to 1:30 pm

Closing luncheon

Top of Agenda

2019 ChartisRiskTech100® Award Recipient

Moody’s Analytics CECL solution has been specifically designed for the needs of credit unions, community and regional banks. It allows users to automate and simplify the complex processes required to comply with this new accounting standard. Our cloud-based platform incorporates rich credit risk data, best-in-class analytics, and vast impairment accounting experience. Read the post-award interview and press release.

Attending Institutions

Join your peers from...

·   AgCountry Farm Credit Services
·   AgFirst Farm Credit Bank
·   Alliant Bank
·   Amazon Web Services
·   American Airlines Federal CU
·   Apple Bank
·   Axiom Bank
·   Bank Leumi USA
·   Bank of California
·   Bank of China
·   Bank of Hope
·   Bank of Montreal
·   BFSFCU
·   Capital Farm Credit
·   Capital One Services, LLC
·   Cendera Bank
·   CenterState Bank
·   CIT Group
·   Citizens Bank of West Virginia, Inc.
·   Citizens Business Bank
·   Citizens Financial Group
·   City National Bank of Florida
·   Civis Bank
·   Clearview Federal Credit Union
·   Collateral Analytics
·   Community Bank of South
·   Community National Bank & Trust of Texas
·   Credigy
·   Credit Union of Texas
·   Crowe LLP
·   Dozier Appraisel Company

·   East West Bank
·   Farm Credit Administration
·   Farm Credit Bank of Texas
·   Farm Credit of Florida
·   Federal Deposit Insurance Corporation
·   Federal Reserve Bank of Kansas City
·   First Citrus Bank
·   Fidelity Bank of Florida
·   First Citizens Bank
·   First Republic Bank
·   First Tech Federal Credit Union
·   Five Star Bank
·   Flagstar Bank
·   Florida Credit Union
·   GM Financial
·   Gainey Business Bank
·   Grant Thornton LLP
·   Great Southern Bank
·   Grow Financial Federal CU
·   Heritage Bank & Trust
·   IDB Invest
·   Ixonia Bank
·   Justice Federal Credit Union
·   Madison Country Comm. Bank
·   Merrick Bank
·   Meadows Bank
·   Metropolitan Commercial Bank
·   Mortgage Guaranty Insurance Corp.
·   Mounain Commerce Bank
·   National Credit Union Association
·   Navy Federal Credit Union

·   New York Community Bank Corporation
·   Old West Federal Credit Union
·   Pacific Western Bank
·   PNC Financial Services
·   Poppy Bank
·   Professional Bank
·   Provident Bank
·   Raymond James
·   Rockland Trust
·   Sallie Mae
·   Seacoast Bank
·   Sterling National Bank
·   State Farm
·   Suncoast Credit Union
·   TCF Bank
·   TD Bank
·   TIAA Bank
·   TriState Capital Bank
·   Trustco Bank Corp
·   United Bank
·   Ulster Savings Bank
·   USAA
·   US Bank
·   USNY Bank
·   Volunteer Corporate
·   Vystar Credit Union
·   Wallkill Valley Federal Savings & Loan
·   Wescom Credit Union
·   Woodforest National Bank

Conference Venue

Rosen Shingle Creek

9939 Universal Boulevard
orlando, fl 32819
866.996.6338

Room Rate: A discounted rate of $199/night (plus taxes and fees) is available to conference attendees through April 10 and includes complimentary WiFi. The discounted rate is available three days before and after the conference, pending availability.

Reservations may be made online or by phone. If you are calling the hotel, be sure to mention you are with the Moody's Analytics conference to get the discounted rate.

Hotel Deposit:
Five days prior to arrival, a one night's guestroom and tax authorization will be processed on the card submitted during the reservation process.

Cancellation Policy: The hotel has a five-day cancellation policy. If an individual cancels less than five days prior to the reservation, the credit/debit card used to guarantee the reservation will be charged for one night's guestroom and taxes/fees. If the deposit was submitted, it will be refunded only if the room is canceled more than five days before arrival.
MELISSA MARKOWITZ
+1 (212) 553-3802

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