Recertification Track Schedule

Registration will begin at 7:30 a.m. CT. 
Day 1 sessions will begin at 9:15 a.m. CT and conclude at 4:30 p.m.

Registration

Networking Breakfast

Program Welcome

Compliance Trivia Showdown

• This unique trivia-style icebreaker activity combines compliance and entertainment to foster networking and lighthearted conversations among attendees. This team-based, friendly competition will feature financial- and pop-culture-themed questions.

Year in Review and What's Ahead

• Stay ahead of the curve with this fast-paced session covering key regulatory developments from the past year and critical updates under the new administration. Gain insights into emerging trends, policy shifts, and compliance impacts that will shape the credit union landscape. Walk away with the knowledge you need to navigate upcoming changes with confidence.

Networking Break

Reg E and Overdraft Fees in Focus

• With heightened regulatory scrutiny on overdraft programs, this session will examine recent enforcement actions, common compliance pitfalls, CFPB guidance, and ongoing litigation. You will hear about evolving best practices for maintaining compliance while balancing member needs and institutional revenue.

Check Fraud Trends

• Financial institutions reporting nearly 680,000 suspicious activity reports (SARs) related to check fraud in 2023, marking a 90% increase from 2021. The same year consumers lost more than $10 billion to fraud in 2023, marking a 14% increase over 2022. These statistics underscore the escalating threat of check fraud and the importance of implementing advanced detection and prevention strategies. Gain insights and explore solutions to these escalating threats. 

Networking Lunch

Examinations and Audits

• Gain insights into federal examinations and audits, including expectations, key findings from recent exams, common pitfalls, and upcoming regulatory priorities. Explore credit union audit challenges, corrective actions taken, and best practices for navigating the examination process effectively.

Breakout 1 | Regulatory Roundtable Discussion for Small to Mid-Size Credit Unions

• Credit unions of all sizes face regulatory challenges, but smaller institutions must balance compliance with limited resources and evolving expectations. This roundtable will foster a peer-driven discussion on examination trends, regulatory hot spots, and strategies for managing compliance efficiently. 

Breakout 2 | Regulatory Roundtable Discussion for Large Credit Unions 

• Larger credit unions face increased regulatory complexity, requiring proactive risk management and compliance innovation. This roundtable will provide a forum for peer-driven discussions on evolving regulatory expectations, recent examination trends, and the impact of new enforcement priorities.

Networking Break

Breakout 1: Junk Fees Workshop for Small to Mid-Size Credit Unions

• For small to mid-size credit unions, fee income can be a critical revenue source, making any changes more challenging. This session will focus on balancing compliance with financial sustainability, identifying cost-effective ways to improve transparency, and implementing member-friendly fee policies without significantly impacting the bottom line.

Breakout 2: Junk Fees Workshop for Large Credit Unions

• Large credit unions often face heightened regulatory scrutiny and member expectations around fee transparency. This session will explore how to proactively adjust fee structures, leverage technology to improve disclosure and compliance, and implement sustainable revenue models that minimize member dissatisfaction while aligning with regulatory expectations

Day 2 sessions will begin at 9:15 a.m. CT and conclude at 4:05 p.m. A networking reception will be held from 5:15-6:30 p.m.

Networking Breakfast

Day 2 Kick Off

Artificial Intelligence (AI) Trends Shaping Compliance

• Explore the transformative impact of Artificial Intelligence (AI) on compliance processes. This session covers emerging trends, how AI is being used to enhance regulatory adherence, and the future landscape of automated compliance systems in credit unions.

Networking Break

Emerging Financial Crimes

• Explore the latest financial crimes, cyber threats, and fraud schemes impacting financial institutions nationwide. This session will cover new attack patterns, prevention strategies, and real-world cases, along with ways credit unions can strengthen financial crime prevention and compliance. 

Advanced Risk Strategies for Cyber Threats and Data Privacy

• Cyber threats are nothing new, but how financial institutions respond, adapt, and future-proof compliance programs is what sets leaders apart. You'll hear about consumer access to financial data, record retention requirements, and the technical and operational aspects of managing, sharing, and securing sensitive information. Take a deeper look at regulator's expectations on accessing and sharing data.

Networking Lunch

Breakout 1: Vendor Oversight & Third-Party Risk Management Roundtable for Small to Mid-Size Credit Unions

• Smaller credit unions face unique challenges in managing third-party risk with fewer resources. This session will provide practical, cost-effective strategies for vetting vendors, implementing controls, and staying compliant without overwhelming your team. Learn how to prioritize vendor risks, ensure adequate oversight, and maintain security and compliance in a resource-constrained environment.

Breakout 2: Vendor Oversight and Third-Party Risk Management Roundtable for Large Credit Unions 

• As credit unions grow, so does their reliance on third-party vendors. This session will focus on advanced strategies for managing third-party risk, from due diligence to ongoing monitoring. Learn how to navigate complex vendor relationships, mitigate operational and regulatory risks, and ensure compliance with evolving regulations. Discuss practical approaches for scaling vendor risk management programs as your credit union’s operations expand.

Break

Disaster Recovery and Incident Response Simulation

• In 2024, hurricanes affected 958 credit union branches, while over 60% of credit unions face climate-related physical risks, threatening $1.2 trillion in assets. At the same time, cyber threats are escalating, with ransomware attacks in the financial sector averaging $5.13 million per incident. In this high-intensity simulation exercise, you’ll step into the role of leadership during a real-time crisis scenario. Build a stronger response playbook, learn key lessons from peers, and enhance your ability to lead through uncertainty.

Daily Wrap-Up

Day 3 sessions will begin at 9:15 a.m. CT and conclude at 4:35 p.m.

Networking Breakfast

Day 3 Kick-Off

Reg B (CFR Part 1002)

• Regulation B (CFR Part 1002) is critical for ensuring fair lending practices and preventing discrimination in credit transactions. This session will break down key compliance requirements, including adverse action notices, credit reports, underwriting procedures, and borrower rights. Learn how to navigate regulatory expectations while maintaining fair and transparent lending practices in your credit union.

Networking Break

Breakout 1 | Fair Lending Practices Case Study: Small to Mid-Size Credit Unions

• In this case study session, you’ll step into a real-world fair lending scenario, making key decisions on compliance, risk mitigation, and suspicious activity reporting. Designed for small to mid-size credit unions, this session helps you navigate regulatory challenges with practical, resource-conscious solutions to ensure fairness in lending.

Breakout 2 | Fair Lending Practices Case Study: Large Credit Unions 

• Take on the role of a decision-maker in a fair lending scenario, navigating compliance risks, suspicious activity reporting, and regulatory scrutiny. This case study session challenges you to refine oversight strategies, strengthen risk management, and uphold fairness in lending operations.

Lunch on Your Own

Breakout 1 | Small Business Lending

• Dive into the complexities of small business lending, including regulatory updates, compliance strategies, and risk management. Discuss how to support small business growth while staying aligned with regulatory requirements.

Breakout 2 | Mortgage Lending 

• Gain insights into mortgage lending regulations and compliance challenges. This session focuses on addressing issues with mortgages, home equity loans, reverse mortgages, and the evolving landscape of home lending policies.

Breakout 1 | Build a Stellar Compliance Team Workshop for Small to Mid-Size Credit Unions

• Managing compliance with limited resources requires a strong, adaptable team, balancing expertise with flexibility. This workshop will explore how to structure a team where staff wear multiple hats, leverage cost-effective training, and use technology to streamline compliance. Discuss with peers how to maximize resources, collaborate with external partners, and proactively manage risk to meet evolving regulatory demands.

Breakout 2 | Build a Stellar Compliance Team Workshop for Large Credit Unions

• Scaling a compliance team in a large credit union requires specialized roles, strong leadership, and advanced technology to manage increasing regulatory complexity. This workshop will focus on structuring teams for efficiency, integrating compliance across departments, and leveraging automation for risk monitoring. Connect with peers to exchange strategies on training, oversight, and staying ahead of regulatory expectations.

Networking Break

Navigating Litigation Trends & Consumer Disputes Panel

• Stay ahead of evolving litigation trends affecting credit unions. Hear the latest trends and best practices for preventing lawsuits, handling regulatory challenges, and protecting your institution’s reputation. Explore recent cases, legal risks, and strategies to balance compliance responsibilities while advocating for your credit union. Gain insights on effectively managing consumer complaints and disputes. 

Wrap-Up

Networking Reception 

Day 4 sessions will begin at 9:15 a.m. CT and conclude at 11:35 a.m.

Networking Breakfast

Welcome to Day 4

Compliance Audits, Training, and Risk Assessment

• In this session, you will explore best practices for compliance audits, gain valuable insights into developing effective training programs, and discuss proven strategies for overall risk management. Whether you're working to strengthen your audit processes or enhance your credit union's compliance culture, this session offers practical guidance to improve your approach. 

Networking Break

Fraud Prevention and Detection Strategies Workshop

• Discover practical fraud prevention and detection strategies that you can apply within your credit union. This interactive workshop goes beyond theory, allowing you to engage with real-world cases, collaborate with peers, and explore best practices for identifying and mitigating fraud risks. You'll walk away with actionable insights, tools, and approaches that you can take back to your credit union to strengthen fraud prevention efforts. 

Closing Remarks