This event, brought to you by five states (DE, MD, PA, VA and WV) will bring together bankers and industry partners for sessions with nationally recognized speakers providing relevant and timely content geared specifically to bank c-suite and other senior leaders.

Please bookmark this page for easy access during the event!

Agenda*

Sunday, November 3, 2024

3:00-4:00 p.m. Bank Executives Roundtable Discussion (Bankers Only)

5:30-6:30 p.m. Welcome Reception
Sponsored by FHLBank Atlanta and FHLBank Pittsburgh

6:30 p.m. Dinner
Sponsored by FHLBank Atlanta and FHLBank Pittsburgh

Monday, November 4, 2024

7:00-8:00 a.m.   Breakfast

8:00-8:05 a.m.   Welcome & Announcements

8:05-8:55 a.m.   Economic Update Mekael Teshome | PNC Capital Markets, LLC

8:55-9:45 a.m.   How do Banks Keep Pace with Rapidly Emerging Technologies? Keith Hauser & David Der | SingleStone LLC

Technology is no longer just an internal capability that involves keeping things running; it is now a competitive requirement that, with data analysis and governance, can directly impact performance and the future success of all banks. During this session, leaders from SingleStone will lead a conversation on what it means to operate in an AI future and what banks need to do to get their data ready.

9:45-10:00 a.m.   Networking Break

10:00-10:50 a.m.   Credit Risk: Where We Are and Where We’re Headed David Ruffin | IntelliCredit®

With heightened regulatory scrutiny, particularly over CRE exposures, and emerging quantifiable credit stress, now is the time to reassess your risk management strategy. According to the Risk Management Association (RMA) Annual Community Bank Survey, 52% of community bankers indicated that credit risk was a top concern. In this session, we will discuss where the hotspots and high-risk areas are right now and where they are likely headed in the next few quarters. We’ll also review strategies community banks should be employing to better understand their risk profiles and prepare to write (and defend their) own credit quality scripts for regulators.

10:50-11:40 a.m.   Geopolitics, Geoeconomics, US Elections 2024-2025: Everything, Everywhere Keeps Changing All At Once Frank Kelly | Fulcrum Macro Advisors

Global events and global economics are having a greater impact on markets and the life of Americans like never before. And in the midst of all this, the US is about to hold historic elections. Frank brings it all together, hoping to offer guidance of what to expect in the coming year, pointing out the risks and opportunities.

11:40 a.m.-12:40 p.m.   Lunch

12:40-1:10 p.m.   The Political Landscape and the Roles Bankers Can Play Naomi Camper | American Bankers Association

1:10-2:00 p.m.   A Conversation with the FHLBank Atlanta and FHLBank Pittsburgh Kirk Malmberg | FHLBank Atlanta and Winthrop Watson | FHLBank Pittsburgh

2:00-3:00 p.m.   Perform to Transform: Your Talent and Your Bank  Kate Shattuck | Korn Ferry

During this session, we will discuss the shared core principles in recruiting and retaining top staff that drive high-performance organizations. Key areas will include: 

• Accessibility: Ensuring opportunities and resources are available to those who qualify, fostering a culture of performance.
• Accountability: Establishing clear responsibilities for those in positions of influence, ensuring decision-makers are held to the highest standards.
• Actionable Leadership: Empowering both leaders and followers to make informed, decisive actions that drive progress.

3:00 p.m.  Conference Adjourns

*Speakers and topics are subject to change.

Session Presentations

Sessions will be added as they are available from the presenters.

Note: All presentations are password protected. The password is 2024Mid-Atlantic

• Economic Outlook
• Credit Risk: Where We Are and Where We’re Headed
• Geopolitics, Geoeconomics, US Elections 2024-2025: Everything, Everywhere Keeps Changing All At Once

Meet the Speakers!

Naomi Camper | American Bankers Association

As ABA’s chief policy officer, Naomi Gendler Camper leads the ABA’s policy and advocacy functions, including government relations, regulatory policy and compliance, economic research and the office of strategic engagement. Her division also includes specialized groups, such as the Card Policy Council and BAFT, ABA’s global transaction banking subsidiary. Prior to joining the ABA in June of 2018, Naomi spent 13 years as a managing director at JPMorgan Chase in a variety of roles. As head of federal government relations from 2005 to 2012, Naomi was responsible for leading and expanding the firm’s engagement with Capitol Hill and the administration during a time of significant change to the banking policy and regulatory landscape. She also served as head of consumer public policy and ran JPMorgan Chase’s Office of Nonprofit Engagement. From 2001 until 2005, Naomi was the Democratic staff director of the Senate Subcommittee on Financial Institutions for Sen. Tim Johnson (D-S.D.). Naomi also practiced tax and financial services law at the Washington law firm of Wilmer, Cutler & Pickering, and was associate tax counsel at the Investment Company Institute, the national trade association for the mutual fund industry. Naomi holds a J.D. from Harvard Law School, a master in public policy from Harvard’s Kennedy School of Government and a B.A. from Columbia University. She serves on the boards of the Cities for Financial Empowerment Fund, Temple Sinai of Washington, D.C., and the Gendler Grapevine Project. In April of 2021, she was selected to serve on the FDIC’s Advisory Committee on Economic Inclusion (ComE-In). Naomi is a native of Andover, Mass., and lives in Chevy Chase, Md., with her husband and three children.

David Der | SingleStone LLC

David Der is a Computer Scientist by education and trade with 20 years of experience; the last ten focused on Machine Learning and AI. His first machine learning startup as a co-founder (Notch) was acquired by Capital One in 2018, where he then spent two years in the C4ML (center for machine learning) organization. Since then he worked for Facebook / Meta for a year during Covid and is most recently coming off another startup venture building an AI SaaS platform that leveraged LLMs in the banking compliance space.

David joined SingleStone recently as it’s Chief AI Officer, helping clients shape the future of data-driven growth and providing leadership to empower those business with transformative AI solutions. He received his BA from James Madison University in Computer Science and Master of Science (MS) from Capella University in Computer Science

Keith Hauser | SingleStone LLC

​Keith Hauser has spent over 35 years in the financial services industry, working with both major banking institutions and small venture capital-backed firms.  His primary focus has been on consumer and mortgage lending products with an emphasis on loan servicing, credit quality, default, regulatory, and risk. 

Keith joined SingleStone 12 years ago as a Director, focused on providing solutions to financial services companies, serving as an advisor to senior client executives through deep industry, business, functional, and customer expertise.

Previously, he spent nine years as a Senior Vice President for RBS Citizens Bank. In December 2011, he moved into the role of Investor/Regulatory Relations for the Mortgage Default and Servicing units.  In this capacity, Keith worked closely with FNMA/ Freddie Mac and Regulatory Groups to ensure adherence to the continual policy and procedural required changes.  From 2008 – 2011, he was responsible for all residential real estate collections, default, foreclosure, loss mitigation, bankruptcy, and investor relations.  Prior to this, he managed various servicing functions and projects for the mortgage entity in Richmond, VA and managed the Consumer Loan Servicing for Charter One Bank in Cleveland, OH prior to the Citizens acquisition. Keith received his bachelors in Economics from Dartmouth College and his MBA from the Fisher College of Business at The Ohio State University

Frank Kelly | Fulcrum Macro Advisors

Having worked on Wall Street for close to 30 years, Frank Kelly is the Founder and Managing Partner of Fulcrum Macro Advisors, a political risk firm advising financial institutions on geopolitics, US politics and elections, and regulatory issues and their impact on markets. Frank has worked in senior executive roles at Deutsche Bank, Charle Schwab, and Merrill Lynch. He began his career as a writer for President Ronald Reagan and went on to serve in the George H.W. Bush White House, the U.S. Department of Justice, and at the Securities and Exchange Commission. He lives in Great Falls, Virginia with his wife on their working farm, Open Door Farm.

Kirk Malmberg | FHLBank Atlanta

Kirk Malmberg was appointed President and Chief Executive Officer of FHLBank Atlanta on May 28, 2021. Malmberg joined the Bank in 2001 as Senior Vice President of Asset/Liability Management and was appointed Chief Financial Officer in 2011. Most recently, he served as Executive Vice President and Chief Operating Officer, overseeing Accounting, Community Investment Services, Financial Operations, Information Technology, Sales and Trading, and Treasury. Formerly, Malmberg was Senior Vice President, Treasury for the Federal Home Loan Bank of Chicago. Prior to joining the Chicago Bank’s staff, Malmberg worked with SunTrust Capital Markets, Inc. in Atlanta as well as with Lehman Brothers, Southwest Corporate Federal Credit Union, and Gill Savings Association. He earned a Bachelor of Arts from Trinity University in San Antonio and a Master of Business Administration from Rice University in Houston.

David Ruffin | IntelliCredit®

David’s extensive experience in the financial industry includes an emphasis on credit risk in a variety of roles that range from bank lender and senior credit officer to the co-founder of IntelliCredit and its technology that is revolutionizing a decades-old loan review process. David was also a co-founder of the successful Credit Risk Management, LLC consultancy and professor at several banking schools. A prolific publisher of credit-focused articles, he is a frequent speaker at national and state trade association forums, where he shares insights gained helping lending institutions evaluate credit risk—in both its transactional form as well as the risk associated with portfolios based on a more emergent macro strategy. Over the course of decades, he has led teams providing thousands of loan reviews and performed hundreds of due diligence engagements focused on M&A and capital raising. David holds a B.A. from the University of North Carolina-Chapel Hill, a M.S. from East Carolina University and multiple degrees from the American Bankers Association’s graduate lending schools.

Kate Shattuck | Korn Ferry

Kate is the Managing Partner of Korn Ferry’s Pennsylvania team and founder and Global Co-Leader of the firm’s Impact Investing, ESG & Sustainability practice. Prior to joining Korn Ferry, she worked as chief operations officer and corporate senior vice president at the PenFed Foundation, leading a micro-credit fund, housing assistance, grants and programs for economically disadvantaged veterans. She served at Morgan Creek Capital and Morgan Stanley in business development roles.  She is a United States Army veteran with company command leadership and experience globally in Kuwait, Bosnia and South Korea. Kate holds an MBA from Harvard Business School and an MPA from Harvard’s Kennedy School of Government. She earned a Bachelor of Science degree from The United States Military Academy at West Point.  She serves as a Board Member of Citizen & Northern Bank (Nasdaq: CZNC) and also serves the Women’s Advisory Council and Nominating Committee for the Girl Scouts of the National Capital Region.  She served West Point as a volunteer for over fifteen years, culminating in service as a Director for the West Point Association of Graduates, with service as Chair, Ethics Committee and Vice-Chair, Finance Committee.

Mekael Teshome | PNC Capital Markets, LLC

Mekael Teshome is Managing Director in the Financial Institutions Group at PNC Capital Markets. In this role, Mekael manages relationships with regional and community banks, and provides economic insights related to the banking industry. Prior to joining PNC Capital Markets, Mekael served as Senior Regional Officer in the Pittsburgh Branch of the Federal Reserve Bank of Cleveland where he was responsible for briefing the Cleveland Fed president on the region’s economic environment and managing the Reserve Bank’s relationships with stakeholders. Mekael has also served as an economist at the PNC Financial Services Group and Moody’s Analytics, where he contributed industry-focused, regional, national, and international economic analyses and forecasts. Mekael holds a BA in political science and international studies from Taylor University and an MA in economics from Vanderbilt University. He serves on the board of Bethel Agricultural Association, a nonprofit educational institution that is focused on improving food security in Ethiopia.

Winthrop Watson | FHLBank Pittsburgh

Winthrop Watson is an executive senior advisor to the Federal Home Loan Bank of Pittsburgh. Mr. Watson served as president and chief executive officer from Jan. 1, 2011, to Sept. 30, 2024. Prior, he was chief operating officer, a position that he assumed in November 2009. Mr. Watson served as managing director at J.P. Morgan in Hong Kong from 2007-2009 after serving that company in various capacities in New York for 22 years. In Hong Kong, he served as senior client executive for J.P. Morgan’s Asia Pacific central banks and sovereign wealth funds, as head of its Asia Pacific debt capital markets, and as chairman of its Asia Pacific Investment Banking Business Evaluation Committee. Earlier, Mr. Watson was managing director of J.P. Morgan in New York, where he helped build the company’s investment and commercial banking franchise for U.S. government-sponsored enterprises including the FHLBanks. His background also includes several financial advisory assignments on behalf of the FHLBanks. Mr. Watson holds a Master of Business Administration from Stanford University and a Bachelor of Arts from the University of Virginia.

Conference Location & Meeting Rooms

Salamander Resort
500 North Pendleton St
Middleburg, VA 20117

• Sunday Roundtable Session: Bluemont Ballroom
• Sunday Reception & Dinner: Middleburg Foyer/Middleburg Salon I
• Monday Breakfast: Middleburg Salon II
• Conference Sessions: Middleburg Salon I

Attendee Roster

Click here to see the latest list of attendees.

Sponsorships 

 

Abrigo
Malosi Pa’u, Lending & Credit, Portfolio Risk
malosi.pau@abrigo.com | (609) 836-2926
www.abrigo.com

Abrigo is a leading technology provider of compliance, credit risk, lending, and asset/liability management solutions that community financial institutions use to manage risk and drive growth. From loan application to credit underwriting to loan administration, Abrigo’s fully integrated lending and credit risk solutions allow your bank to streamline its origination process and ongoing customer management. With Abrigo’s Portfolio Risk Solution, you can manage portfolio-wide risk automatically with one-time data entry and robust frameworks that make it easy to gain maximum operational efficiency by connecting stress testing, expected losses, assets/liability modeling, and more. Their software automates key processes empowering our customers by addressing their Enterprise Risk Management needs. 
MBA Preferred Provider | VBA Endorsed Provider

 

Capital Performance Group
Mary Beth Sullivan, Managing Partner
msullivan@capitalperform.com | (202) 337-7872
https://capitalperform.com/

Capital Performance Group is a management consulting firm specializing in serving the financial services industry. CPG provides Strategic Planning, Marketing Consulting, Performance Marketing Campaign Design, Delivery System Analytics and Planning, Finance and Risk Management Consulting, and Leadership Coaching services. CPG’s success is built on long-term client relationships, customized approaches and practical solutions that deliver tangible results. CPG has worked with hundreds of financial institutions and is committed to helping every client achieve its goals.

 

ChaseCompGroup
Diana Chase, Managing Partner
dchase@chasecompgroup.com | (404) 368-9091
www.chasecompgroup.com

ChaseCompGroup is a national compensation consulting firm who delivers solutions and compensation programs that are tailored to our clients’ unique needs and compensation objectives.

 

College Ave
Martha Haveles, Partner Sales
mhaveles@collegeave.com | (617) 820-1623
www.collegeave.com/partner

College Ave is a private student loan provider that offers undergraduate, graduate, and parent loans, as well as refinance options. They offer multiple loan options with flexible repayment terms, including competitive interest rates, and features like instant credit decision, a simple, 3-minute application process, no application or origination fee, autopay discount, and best-in-class customer service. College Ave also offers a student loan referral program to assist banks in meeting the higher education financing needs of their customers and generate referral fees while avoiding lending and loan administration.
VBA Endorsed Provider

 

 

CRS Data
Alwyn Staley, Partner
abstaley@crsdata.com | (800) 374-7488 ext 150
www.crsdata.com

For over 30 years, CRS Data has been dedicated to delivering powerful, accurate property data backed by superior customer service. Their Financial Suite product is tailored made for financial institutions. Offering public tax records, sales and mortgage histories, property comparables, warranty deeds, interactive GIS plat maps, area demographics. CRS helps banks manage their commercial loan portfolio generate non-interest income and manage risk. They offer the power of clear and current property information to help you generate income and make sound decisions.

 

Dudley Resources  
Chip Jones, Senior Advisor
cjones@dudleyresources.com | (804) 873-8593
https://www.dudleyresources.auction/

Dudley Resources provides Flexible Remarketing Solutions, empowering clients with the ability to put the focus back on banking. Their firm offers over 40 years of experience supporting Regional Banks and Institutional Sellers with asset management services and programs which enable their clients to achieve maximum values across an array of asset classes. Their services include A/R collection servicing and purchasing, Senior Accredited (ASA) approved appraisals, online and simulcast auctions for real estate, machinery & equipment, vehicles and all business assets, proprietary surge pricing platforms, trustee & repo services, foreclosure sales, note sales, and buyout options. Equipped with industry leading technology, knowledge, and experience to provide the best customer service in the business. Dudley Resources….a resource to banks offering dependable and reliable results for all your asset remarketing needs.

 

FHLBank Atlanta
Dan Brenton, Senior Relationship Manager
dbrenton@fhlbatl.com | (404) 858-6008
https://corp.fhlbatl.com/

FHLBank Atlanta is a cooperative bank that offers competitively priced financing,
community development grants, and other banking services to help member financial
institutions make affordable home mortgages and provide economic development credit to
neighborhoods and communities.

 

FHLBank Pittsburgh
Allison Karakis, Government Relations Director 
allison.karakis@fhlb-pgh.com | (412) 660-8176
www.fhlb-pgh.com

FHLBank Pittsburgh provides reliable funding and liquidity to member financial institutions in Delaware, Pennsylvania and West Virginia. Their products and resources help support community lending, housing and economic development. Established by Congress, the FHLBanks have been an integral and reliable part of the financial system since 1932.

 

PWCampbell
Marshall Jett, Regional Vice President
marshall.jett@pwcampbell.com | (412) 737-2508
www.pwcampbell.com

PWCampbell is a full-service firm offering design-build, branch experience, and consulting services to the financial industry. Our vast experience lies within architecture, interior design, preconstruction, construction, branded environments, and award-winning technology solutions. Our Best in Class service and “open door” relationship with our clients are the cornerstones of the business. Backed by over a century of experience, we have the passion and vision to take your project to the next level.
VBA Endorsed Provider

 

YHB | CPAs & Consultants
Drew Throckmorton, CPA, Principal
drew.throckmorton@yhbcpa.com | (804) 553-1900 

Luke Gore, CPA, Principal
luke.gore@yhbcpa.com | (540) 662-3417
yhbcpa.com

The YHB Financial Services Team provides a comprehensive approach to helping community banks grow, manage, and safeguard their achievements. With over 300 professionals across 10 locations, they partner with many of the region’s most innovative leaders and banks. Their expertise spans tax, assurance, and consulting services, ensuring your bank has the tools and support needed to thrive. 

 

Special Needs & Americans With Disabilities Notice

If you have special needs that may affect your participation in this event, please contact Kristen Reid to discuss accommodations.