Speaking Engagements

The Utah Bankers Association (UBA) held its 2022 Compliance Conference October 25-27 in Park City, UT. On Thursday, October 27th, Monika McCarthy presented, Fair Lending Trends.

The Utah Bankers Association (UBA) held its 2022 Compliance Conference – The Pulse of Compliance – October 25-27 in Park City, UT. On Wednesday, October 26th, 2022 Monika McCarthy moderated a UDAAP panel. The panelists included Robert Marx, VP Compliance, WebBank; Rich Friess, VP Compliance Officer, The Bank of Commerce; and Niki Christensen, Chief Compliance Officer, Central Bank. The American Bankers Association Professional Certifications has approved The Pulse of Compliance 2022 for: 15.25 CRCM, 4.25 CERP, 3 CAFP credits. This was a hybrid event.

AFSA held its 2022 annual meeting October 23-26 at The Breakers in Palm Beach, Florida. At the Operations and Regulatory Compliance Committee meeting, Mike Forester participated on a panel with Michael Gordon, Partner at Ballard Spahr LLP. They discussed Hot Topics in Auto Finance.

On October 20 and 21, 2022 the Conference on Consumer Finance Law (CCFL) held their Consumer Financial Services Conference at the Renaissance Dallas in Plano, TX. On Day One, Monika McCarthy moderated a panel which included Daniel Johnson from CrossCheck Compliance LLC, L. Jean Noonan from Hudson Cook, LLP, Tricia de Leon, Holland & Knight LLP and Devin House from Toyota Financial Services. The panel’s topic was Trends in Auto Fair Lending.

Monika McCarthy was a panelist at the RegTech Track session, Surveying the Regulatory Landscape and Future of RegTech, during the MBA’s Regulatory Compliance Conference which took place September 18-20, 2022 in Washington, DC. This session highlighted a variety of challenges and how RegTech can help solve them and stay ahead of pending changes. The other panelists included Chris Hilliard, Chief Operating Officer and Founder, Winnow Solutions, LLC; Amy Azorandia, SVP Mortgage Compliance/Systems, First Trust Bank; and Tara Healy, Chief Compliance Officer, Cherry Creek Mortgage Co., Inc.

On August 11, 2022 Tracey Levandoski, CRCM was a speaker at the National Association of Industrial Bankers (NAIB) and Utah Association of Financial Services (UAFS) convention in Park City, UT. Her presentation focused on Third-Party Relationships and include the following topics: Highlights of FIL-44-2008: Guidance for Managing Third-Party Risk, Summary of FIL-50-2021: Proposed Interagency Guidance on Third-Party Relationships: Risk Management, Fourth Party Management, and Preparing for the Proposed Guidance.

On July 11, 2022 CrossCheck Compliance experts Heidi Wier, Managing Director, Sara McGinnis, Director and Wendy McMillan, Manager, presented the second part of the Effective Internal Audit Function webinar series for the Mortgage Bankers Association. Julie Humphrey, EVP, Internal Audit, Fay Servicing, was also a presenter and provided the lender perspective. Building on themes in part one, in part two, Beyond the Basics, we discussed how effective internal audit programs evolve over time. What does it mean to have an effective internal audit function including corporate governance? How should the risk assessment process work and how does it impact the audit plan? What are the challenges of implementing an audit function? These are just some of the common questions facing mortgage bankers. Participants learned about practical, sustainable internal audit programs from experts who possess industry recognized internal audit credentials and a lender faced with these same questions.

On June 9, 2022 Liza Warner presented a webinar for the CFCA on Fair Lending Risks in Originations, Servicing & Small Business.

On June 8th, 2022 Heidi Wier and Jim Treacy presented a webinar for the MBA. This webinar was part one of a two part series. The first webinar focused on the fundamentals of an effective internal audit function. The presenters explored the best practices for structuring an internal audit function as well as how to develop and implement a risk-based internal audit plan. Part Two, Beyond the Basics, will be presented on July 11. MBA webinars are complimentary to MBA members.

On May 19, 2022 Daniel Johnson presented Trends in Fair Lending for the Oklahoma Bankers Association’s 2022 Convention. This session highlighted the key actions and activities important for each bank to have in place to ensure its teams are treating customers fairly and equitably. Daniel discussed key controls and monitoring over indirect automotive lending, mortgage servicing and small business lending.

Sara McGinnis spoke at the 35th Annual Florida Bankers Association’s Consumer Compliance Seminar which ran from April 13 – April 15, 2022 in Orlando, Florida. Sara’s topic for the General Session on Friday, April 15 was “Beyond the Basics – Meeting Board and Regulatory Expectations for all Types of Audits”. FBA applied for 20 CRCM credits for the seminar. CrossCheck was also an exhibitor at this event.

On Friday May 6, 2022 Liza Warner was a presenter on the Fair and Responsible Lending and Fair Servicing Panel for the Chicagoland Compliance Association. This was a hybrid event with both in-person and virtual access. Fair lending encompasses the entire lending cycle including servicing. Liza discussed servicing activities that financial entities should be addressing within their fair lending compliance management program.

On April 7, 2022, Heidi Wier spoke at the Fourth Annual WMBA Mortgage Bootcamp. She gave an overview of the mortgage regulations you need to know as a mortgage lender and the regulator impact on the lending environment.

On March 24th, 2022 Daniel Johnson participated in a California MBA Mortgage Quality and Compliance Committee fair lending webinar. The webinar covered pricing exceptions, underwriting exceptions, and marketing. Along with Daniel, the speakers also included Marty Allred, Chief Compliance Officer, American Pacific Mortgage, and Paula Leber, VP of Compliance and Licensing, CMG Financial. The three panelists had an interactive discussion which provided practical guidance on these important topics. The recorded webinar is available on the California MBA’s YouTube channel. https://www.youtube.com/watch?v=ufbBaPon-Hk

The Illinois Bankers Association (IBA) held its Bank Counsel Conference on December 3, 2021 in Chicago. Monika McCarthy and Justin C. Steffen, Esq., Partner, Barack Ferrazzano Financial Institutions Group co-presented a session entitled The Future of Digital Mortgages. They addressed how to choose the right partners with the right contractual provisions, balancing considerations such as data security, reputational risks, industry and compliance expertise, integration, and adaptability.

On November 30th, 2021 Heidi Wier participated with Joseph T. Lynyak III, Partner, Dorsey & Whitney LLP, in the Bank Counsel Roundtable webinar – Fair Lending Under the Biden Administration: A Reboot or Something Different? The speakers reviewed important components of a fair lending program, including recommended approaches to review an institution’s fair lending policies and procedures, aw well as recent legal developments.

The Texas Mortgage Bankers Association (TMBA) held its 4th Annual Mortgage Symposium on November 8th and 9th at the Renaissance Dallas at Plano Legacy West hotel. This year, the focus was on redefining company culture, including employee engagement and motivation, communicating change, training, and diversity & inclusion. Debbi Roberts was a facilitator for a discussion on Mentorship with Impact, moderated by Kristin Clardy Martin.

On October 26th, 2021 Tracey Levandoski presented a webinar for the Suncoast Bankers Compliance Association (SBCA). The topic of this webinar was Avoiding UDAAP Pitfalls: Recognizing Risk in Marketing and Advertising. Attendees learned the UDAAP considerations related to the target audience, qualifying conditions, support for claims, testimonials, language and disclosures. This webinar also covered marketing’s impact on compliance management and the risk of using third-party service providers. The webinar was open to members of SBCA.

The Utah Bankers Association hosted its Fall Compliance Conference – Unmasked from October 19-21 in Park City, Utah. This was a hybrid event. Participants chose whether to attend either in person or via Zoom. On Tuesday October 19th, Tracey Levandoski presented one session on UDAAP and one on Fair Lending for Commercial Loans.

The American Bankers Association approved the conference for 2.5 CAFP, CERP, 14 CRCM credit. As compliance expectations continue to soar, keeping up with the latest regulatory changes and compliance issues can be more than a full-time job. The Annual UBA Fall Compliance Conference offered compliance professionals in-depth, content-rich discussions that address critically important topics. This year’s conference featured a wide variety of general and breakout sessions—led by industry experts and regulators—designed to help compliance professionals stay current with and function confidently in the rapidly changing regulatory environment.

October 20 to October 22, the Georgia Bankers Association hosted its annual Compliance Conference at the King and Prince Beach & Golf Resort in St. Simons, GA. On October 21, Jim Treacy presented Online Account Opening Compliance. This event covered the full spectrum of compliance topics and provided participants the opportunity to network, share best practices and learn from nationally known experts.