Tuesday, February 7, 2012
7:30 AM – 8:30 AM Breakfast
8:30 AM – 10:00 AM Welcome & Keynote Address
10:00 AM – 10:15 AM Morning Break
10:15 AM – 11:15 AM Idea Exchange
11:30 AM – 12:30 PM Idea Exchange
12:30 PM – 2:00 PM Lunch
2:00 PM – 3:00 PM Idea Exchange
3:00 PM – 3:15 PM Afternoon Break
3:15 PM – 4:15 PM Idea Exchange
6:30 PM – 9:30 PM Dinner

Wednesday, February 8, 2012
7:30 AM – 8:30 AM Breakfast
8:30 AM – 9:30 AM General Session
9:45 AM – 10:45 AM Concurrent Breakout Sessions
10:45 AM – 11:00 AM Morning Break
11:00 AM – 12:00 AM Concurrent Breakout Sessions
12:00 PM – 1:30 PM Lunch
1:30 PM – 2:30 PM Concurrent Breakout Sessions
2:45 PM – 3:45 PM Concurrent Breakout Sessions
3:45 PM – 4:00 PM Afternoon Break
4:00 PM – 5:00 PM Concurrent Breakout Sessions
6:30 PM – 9:30 PM Dinner
~Conference Adjourns~

General Sessions

DDA Strategies & Revenues for 2012: What the New Marketplace Means to You
There is a definite shift in the marketplace as unsatisfied consumers migrate their business from the big banks to community and regional financial institutions. Still, questions remain regarding the future of DDA account strategies, revenues and relationships. How have recent pressures such as the Reg. E opt-in requirements, the Durbin Amendment, and class action lawsuits impacted DDA revenue and service? Is free checking back or are added fees the trend for the future?

In this session, we’ll use both industry data and client results to examine the various DDA strategies of today compared to three to five years ago. We’ll take a look at case studies and reports from the field of early adopters of new fee structures and those focusing on the reemphasis on free checking and cross-sale strategies. We’ll identify the successes and failures, project opportunities for the future, and outline the best way for you to determine which strategies will work for your institution.

Igniting Employees' Passion for Performance Excellence
Leaders who not only want to involve their employees in the planning of the work that affects them but also inspire them to legendary performance will benefit from this experience. Leaders will see how to motivate their employees to volunteer their best at work every day. The Ritz-Carlton understands that competent employees do their jobs, but passionate employees love their jobs.
This program focuses on how to tap into your emotional intelligence, thereby inspiring pride and passion in your employees. By the end of this session you will understand the benefits of good passion at work; innovative ways to inspire employees to bring their passion to work every day; and how your employees’ passion can be linked to business results.

Idea Exchanges

Regulatory Changes
New federal regulations have put us all on red alert. How are your peers meeting these new requirements? Are they seeing the effects of Durbin, increased UDAP enforcement, or the CFBP? What types of processes are they adopting in an effort to reduce regulatory scrutiny, while also preventing the erosion of non-interest income?

Account Pricing and Revenues
Although the big banks continue to chase away consumers by introducing new fees and pricing structures, we can’t ignore that their underlying goal is to increase revenue. How are your peers realigning products and services to maximize revenue without sacrificing consumer benefits and goodwill? Are they keeping free checking in any form? What results are they getting from new strategies?

Managing Overdraft Services
Despite all of the challenges created by new regulations, overdraft services and NSF revenue remain an important part of our business. How are your peers managing account holder responses and opt-in or opt-out wishes? What types of analytics do they have in place for determining overdraft limits? How often do they communicate with clients regarding spikes in usage of overdraft services?

Acquiring New DDA Relationships
No question about it: DDAs are important. But, as more and more consumers shift away from the big banks, we’re seeing a stronger emphasis on the need for deep, long-lasting relationships. What are your peers doing to not only attract new DDAs, but cross-sell additional products and services? What are the obstacles and opportunities to securing these “sticky” accounts? Are there specific marketing, product or segment strategies that work better than others?

Breakout Sessions

Meeting Regulatory Expectations
A significant amount of uncertainty lingers around the regulatory changes imposed upon the financial industry. From the formation of the Consumer Financial Protection Bureau and increased scrutiny under UDAP to competing federal guidance on overdraft programs from different agencies, a lot of ambiguity remains.

In this session, we will break down the regulatory changes line-by-line and offer case studies of how financial institutions are meeting these requirements and preventing the erosion of non-interest income.

Managing Overdraft Services as a Line of Business
In the last year, everything we have learned about overdraft services has changed. Today’s competitive environment and regulatory climate reemphasizes the need for all financial institutions to assess their ability to manage overdraft services. If there is one takeaway from the Reg. E exercise, it is that consumers who regularly use overdraft services value them.

In this session, we’ll take a look at the tools that exist to help you manage overdraft services as a line of business. We’ll examine the flaws with a typical, one-size-fits-all solution and offer alternatives that will prove beneficial to your account holders and your bottom line.

Best Practices for ILS to Increase Revenue & Service Levels
The Intelligent Limit System™ (ILS) provides automated tools and technology to manage overdraft services and assist with meeting compliance obligations. But, even experienced ILS users may not leverage the software suite’s full capabilities.

In this session, learn how to get the most out of ILS for your organization. Maximize your reporting capability by understanding what the reports mean and who their intended audience is. Learn new techniques to manage overdraft services, refresh your knowledge of functionality to handle debit declines, and discover how ILS can help you prepare for examiners.

Re-pricing Checking Accounts for Growth
Fee or Free? That seems to be the big question these days. While some financial institutions are bundling products and services and imposing flat, all-inclusive maintenance fees, others are attempting an updated à la carte pricing strategy for premium services.
In this session, we’ll take a look at the new revenue models in the marketplace today. Citing industry research and client data, we’ll illustrate which models are more preferable from a consumer point of view, which ones are more profitable from a purely economic standpoint, and which ones meet the needs of both the account holder and the financial institution.

Leveraging the Big Banks’ Pricing Strategies to Acquire New Relationships
In today’s competitive environment, unsatisfied consumers all over the country are on the hunt for a new primary financial institution. While the big banks are chasing account holders away with new fees and fewer services, community and regional financial institutions are in a position to grow exponentially.

In this session, we’ll explore different ways to acquire additional accounts and increase the transactional activity of your existing account holders. Using client data, we’ll demonstrate how incentive-specific payment strategies among your existing account holders can drive revenue, relationship depth and retention with immediate payback. We’ll discuss specific strategies that can be implemented immediately for rapid results and offer actionable items for you to take back to your organization.

Maximizing ARS & ICS with Cross-Selling, Enhanced Messaging, and More
The Account Revenue Solution™ (ARS) and Invitation Checking System™ (ICS) are powerful tools to increase checking account activity among your existing account holders and grow the number of new checking accounts that can become truly profitable. Are you maximizing your potential by utilizing all of the opportunities available in these solutions?

In this session, learn how to get the most out of ARS and ICS for your organization. Learn how you can increase the wallet share of new account holders by motivating them to cross-buy. Discover new options available for marketing and brand awareness. And learn how other financial institutions are utilizing features of these programs that you may not be maximizing today.

One-on-One with ILS
In this drop-in style session, spend one-on-one time with experts to have your specific questions about the Intelligent Limit System answered. Regardless of whether you are currently an ILS user, be sure to stop by and see this dynamic and powerful tool in action.

Know Your Numbers: Profitability Analysis Customized for You
Sign up for a one-on-one session to have a customized checking account data analysis prepared for your financial institution. Our business analysts will be on hand to build a plan tailored specifically to your data, strategic goals and financial characteristics. You’ll leave with a better understanding of which products and services are the most profitable for your financial institution and where there is potential for growth.