COMPLIANCE UNIVERSITY 2017

Wednesday, June 14 – Friday, June 16, 2017 APA Woodbridge Hotel, Iselin, NJ

Program and Biographies Wednesday, June 14, 2017

NJBankers

Compliance University 2017 Wednesday, June 14, 2017

Program Morning Session 8:00 a.m. Registration/Continental Breakfast 8:30 a.m. Welcome Remarks Salvatore Zerilli, Managing Director The Mercadien Group 8:30 a.m. Regulatory Update Travis P. Nelson, Esq., Counsel

Reed Smith LLP 9:30 a.m. Refreshment Break 9:50 a.m. Meet the Regulators: Hot Topics and Top Five Violations

Kenneth J. Benton, Senior Consumer Regulations Specialist The Federal Reserve Bank of Philadelphia Laura M. Lewis, Compliance Lead Expert for the Northeastern District Office of the Comptroller of the Currency

Lisa McQueen, Supervisory Examiner Federal Deposit Insurance Corporation

11:00 a.m. Preparing for Your Examiners: Expect the Unexpected Terri Luttrell, CAMS-Audit, Manager of Consulting Banker’s Toolbox 12:00 p.m. Buffet Lunch

Afternoon Session 1:15 p.m. FDIC Case Study Fair Lending - Redlining Risks Case Lead:

Rose N. Egbuiwe, Fair Lending Examination Specialist-NY Region Federal Deposit Insurance Corporation

John C. Bryan Jr., Compliance Examiner Federal Deposit Insurance Corporation

Kevin G. McMahon, Senior Compliance Examiner Federal Deposit Insurance Corporation

Lisa McQueen, Supervisory Examiner Federal Deposit Insurance Corporation

Treisha Thorpe, Federal Deposit Insurance Corporation

4:30 p.m. Adjournment

NJBankers

Compliance University 2017 Wednesday, June 14, 2017

BIOGRAPHIES (In Order of Appearance)

Salvatore Zerilli The Mercadien Group

Salvatore Zerilli is a managing director of The Mercadien Group; principal in Mercadien, P.C., CPAs; and leader of its Financial Institutions Services Group. A seasoned public accounting and banking industry professional, Zerilli specializes in performing risk management services for banks and U.S. branches of foreign banking institutions and other financial entities. These services include outsourced internal audit, regulatory compliance reviews, enterprise risk management and consulting services. A certified anti-money laundering specialist, his specific areas of expertise include the Bank Secrecy (BSA) and USA Patriot Acts, allowance for loan and lease losses, asset and liability management, liquidity management, information technology, and regulatory compliance. He works closely with financial institutions to ensure that they have properly implemented compliance programs that meet their needs and the scrutiny of federal and state regulators. Well-versed in the various software applications for BSA compliance, Zerilli is a sought-after expert in this area, and a frequent presenter and author on regulatory compliance and audit topics. He also has more than 15 years of banking industry experience, performing external audits of community and commercial banks and serving as vice president and controller of several New York City banks. Zerilli’s duties included supervising the financial accounting, deposit and loan operations, information technology, and human resources departments. He also was a director in an accounting and consulting firm where he was responsible for overseeing the outsourced internal audit engagements for financial institutions. This hands-on involvement augments his business acumen about internal bank operations and the industry. Zerilli is an active member of the American Institute of Certified Public Accountants and the New Jersey and New York State Societies of Certified Public Accountants, as well as the American, New Jersey, New York and Pennsylvania Bankers Associations. He is the treasurer of the Financial Managers Society NY/NJ Chapter and a member of the Philadelphia chapter; founder of the Central New Jersey Compliance Group; and a member of the Association of Certified Anti-Money Laundering Specialists and the Institute of Internal Auditors. He is licensed to practice in New Jersey and New York. Zerilli earned a Bachelor of Science degree in accounting from the University of Albany, achieving magna cum laude.

Travis P. Nelson, Esq. Reed Smith LLP

Travis P. Nelson is an attorney in the financial services regulatory group of Reed Smith LLP. Nelson focuses his practice on serving financial institutions, and other companies, with regulatory compliance, examinations and enforcement defense. Nelson is a co-leader of the firm’s Financial Institutions Enforcement & Investigations Task Force, and a Co-Chair of the International Trade & National Security Group. Nelson served in the Enforcement Division of the Office of the Comptroller of the Currency, in Washington, D.C. He is also adjunct faculty at the Villanova University School of Law where Nelson teaches Financial Institutions Regulation, is editor-in-chief of the ABA’s Banking Law Committee Journal, and is a member of the board of the New Jersey Bar Association’s Banking Law Section.

Kenneth J. Benton The Federal Reserve Bank of Philadelphia

Kenneth J. Benton is a graduate of Indiana University in Bloomington, Indiana, where he majored in finance, and a graduate of Tulane Law School in New Orleans, where he was a student editor of the Tulane Law Review. Benton is licensed to practice law in Pennsylvania. Before joining the Federal Reserve Bank of Philadelphia in 2005, he worked for law firms in the Philadelphia area, where his practice areas included consumer and commercial bankruptcies, commercial litigation, appeals, and trademarks. At the Reserve Bank, Benton edits and writes articles for Consumer Compliance Outlook, a Federal Reserve System outreach publication focusing on the federal laws and regulations that apply to financial institutions offering consumer financial products and service. He also works on Community Banking Connections, a Federal Reserve System outreach publication focusing on safety and soundness topics for community banks. Benton also provides training on compliance issues to field examiners, and participates extensively in outreach activities with bankers and other stakeholders.

Laura M. Lewis Office of the Comptroller of the Currency Laura M. Lewis is the Community Bank Compliance Officer for the OCC’s Northeastern District. Currently, she monitors the district’s Bank Secrecy Act (BSA) and compliance risk and examination activities and provides guidance and training to bankers and OCC staff. Lewis provides technical expertise for community bank supervision programs on the BSA, the Community Reinvestment Act, fair lending and consumer compliance regulations. She is a frequent speaker at industry-sponsored schools, seminars and conferences. She also teaches at the OCC’s Fair Lending and Community Reinvestment Act Schools and at the OCC’s Community Bank Director Workshops on Compliance Risk. Lewis joined the OCC in 1998 as a Compliance/BSA Specialist Examiner, performing examinations in community, midsize and large banks. Previously, she was a community banker and was responsible for retail lending administration, mortgage banking operations, and regulatory compliance in mortgage and consumer lending, leasing, and credit card operations at a large regional national bank.

Lewis has a Bachelor of Arts degree, cum laude, in economics and French from Wilson College, Chambersburg, PA and a Master of Business Administration degree in finance and managerial science from Wilkes University, Wilkes-Barre, PA. She is also a graduate of the American Bankers Association’s Stonier Graduate School of Banking, at the University of Delaware. She is certified as an Anti-Money Laundering Professional by the Bank Administration Institute.

Lisa Bailey McQueen Federal Deposit Insurance Corporation

Lisa Bailey McQueen is a supervisory examiner for the FDIC's NJ/MD Field Territory. McQueen has 28 years of experience with the Corporation, including both risk management and compliance. She has worked in the FDIC's Chicago and New York Regions, as well as the FDIC's headquarters in Washington, DC. During her five years in the Washington, DC office, she worked closely with other regulatory agencies reviewing and drafting compliance guidance. McQueen graduated with a bachelor's degree in Business Administration from the College of Charleston, Charleston, South Carolina. She is also a Certified Regulatory Compliance Manager.

Terri Luttrell Banker’s Toolbox

Terri Luttrell is a seasoned AML professional with over 20 years in the banking industry, working both in medium and large community and commercial banks ranging from $2 billion to $33 billion in asset size. Luttrell started her banking career in commercial lending, moving to deposit operations and the compliance/fraud arenas where she was Director and AML/OFAC Officer. She has successfully worked with institutions in implementing suspicious activity monitoring programs, installing various automated solutions, and streamlining processes while ensuring all regulatory requirements are met. Luttrell has also managed a team of AML investigators for a large/cross border institution giving her an enhanced sense of AML risk in our institutions. Since joining Banker’s Toolbox in 2012, she has used her extensive knowledge of BSA/AML Regulations as well as the FFIEC Exam Manual guidance to assist numerous clients in enhancing their suspicious activity monitoring program, improving written procedural practices, and evaluating the institution’s use of their automated systems. Luttrell conducts remote individual coaching sessions and group WebEx training sessions for clients based on their needs. She is CAMs certified and is a member of National ACAMS (Association of Certified Anti-Money Laundering Specialists) and the Central Texas ACAMS Chapter. She is a Certified Anti-Money Laundering Specialist (CAMS) and CAMS-Audit, Member of ACAMS and a Board Member of Central Texas ACAMS Chapter.

John C. Bryan, Jr., Federal Deposit Insurance Corporation

John C. Bryan, Jr. has over 15 years of experience in the financial services industry. Bryan began his career as an attorney, working for a law firm representing financial institutions and commercial real estate developers. He also worked for a community bank, where he served in the capacity of in-house counsel, compliance officer, and BSA officer. Bryan joined the FDIC in 2011, in the Baltimore, Maryland Field Office, and works in the Division of Depositor and Consumer Protection. His primary responsibility is as a compliance examiner conducting consumer compliance, fair lending, and Community Reinvestment Act examinations. Bryan earned his undergraduate degree at The Citadel, The Military College of South Carolina. He also holds a Master of Divinity degree from Southwestern Baptist Theological Seminary, and earned his Juris Doctorate from The Cumberland School of Law at Samford University. Bryan is admitted to practice law in the states of Maryland and Florida. Additionally, he earned the professional certifications of Certified Community Bank Compliance Officer and Certified BSA/AML Professional from the Independent Community Bankers of America.

Rose N. Egbuiwe Federal Deposit Insurance Corporation

As the Fair Lending Examination Specialist, Rose N. Egbuiwe’s duties include investigating consumer complaints that assert discrimination, providing technical expertise on fair lending topics to field examination staff, and conducting onsite reviews for banks identified by the FDIC’s Washington Office as having disparities based on reported Home Mortgage Disclosure Act (HMDA) data. Prior to her current position, Egbuiwe was a compliance examiner in the Boston North Field Office. Prior to joining the FDIC, she was with the Massachusetts Division of Banks serving as a Regional Field Manager and Assistant Chief Director - Consumer Compliance. Egbuiwe obtained a doctorate degree (Ph.D.) in Law and Policy from Northeastern University and an LL.M in International Banking and Financial Law from Boston University School of Law. She is a member of the New York Bar Association and a Certified Regulatory Compliance Manager.

Kevin G. McMahon Federal Deposit Insurance Corporation

Kevin G. McMahon has over 20 years of experience in regulatory compliance. McMahon began his career with a large Northeastern U.S. based commercial bank as a compliance specialist with primary focus on fair lending. He subsequently served as a Director of Compliance for a $5 billion commercial bank for approximately seven years. Prior to his arrival at the FDIC, McMahon was a Senior Compliance Consultant for a leading Southeastern U.S. based consulting company for approximately four years.

He joined the FDIC in 2008 in the Atlanta Field Office and transferred to the Jamesburg, NJ Field Office in January 2012. Mr. McMahon’s primary responsibilities within the Division of Depositor and Consumer Protection include consumer compliance, fair lending, and community reinvestment. McMahon serves as a compliance course instructor and coach for newly hired compliance examiners. In addition, he has been a speaker at prior New Jersey Bankers Association Compliance Conferences and various FDIC Directors College events. McMahon is a graduate of The College of New Jersey and received his Certified Regulatory Compliance Manager (CRCM) designation in November 2006.

Treisha Thorpe Federal Deposit Insurance Corporation

Treisha Thorpe is a Financial Institution Examiner in the FDIC's NJ/MD Field Territory. Thorpe has been with the FDIC since 2011 and has experience with regulatory compliance while working in the FDIC's Kansas City and New York Regions. Thorpe has been in charge of numerous compliance examinations, including conducting fair lending examinations for complex and moderately-complex financial institutions. She graduated with a Bachelor's of Science in Business Administration in Accounting from the University of Central Missouri in Warrensburg, Missouri and a Master in Business Administration in Accounting from Bowie State University in Bowie, Maryland.

EVENT SPONSORED BY:

CULLEN AND DYKMAN LLP Phone: 516-357-3849 Website: www.cullenanddykman.com Contact: Dan Bagatta dbagatta@cullenanddykman.com Cullen and Dykman LLP has been providing banking institutions with a wide range of innovative practical and cost effective legal services since 1850. We pride ourselves on our solution-oriented approach to meeting the diverse needs of our clients. THE MERCADIEN GROUP Phone: 609-689-9700 Website: www.mercadien.com Contact: Sal Zerilli szerilli@mercadien.com Mercadien is dedicated to helping financial institutions manage risk, maintain compliance and increase profitability with a sophisticated, best-practice approach based on our extensive credentials and experience in the banking and regulatory compliance sectors. Financial institutions are highly regulated, and the costs of implementing proper policies, procedures and internal controls to ensure compliance with ever-increasing rules, while protecting safety and soundness continue to rise. Your challenge is to address these issues and maintain your business standards without compromising competitive edge or profitability. As forward-thinking, relationship-driven experts in this field, Mercadien can assist your institution by providing cost-effective internal audit, regulatory compliance, risk assessment, BSA/ALM, SOX/FDICIA, IT and other consulting services. Benefit from engaging Mercadien, a foremost industry thought leader with a proactive and responsive client service culture.

P & G ASSOCIATES Phone: 877-651-1700 Website: www.pandgassociates.com Contact: Amit Govil agovil@pandgassociates.com P&G Associates is a full-service risk management firm dedicated exclusively to the banking industry. We have been serving financial institutions for over 25 years and are a leading provider of internal audit and risk management solutions to community banks throughout New Jersey, New York, Pennsylvania and the surrounding region. P&G provides a full range of Internal Audit services to cover every aspect of a financial institution, including BSA/AML and OFAC, Lending, Deposits, Financial/Treasury, Regulatory Compliance, IT & Cybersecurity, Operations, Branch/Retail, Human Resources, Trust Department and other functional areas. We also offer SOX and FDICIA Attestation, IT/Cybersecurity Risk Management (internal and external vulnerability assessments, social engineering and penetration testing) and Credit Risk Management, as well as Tax Services (tax return preparation and filing, tax accounting and consulting). In addition, we offer an array of sophisticated, proprietary software tools, such as P&G Online, IssueTracker, PRISM: The ALLL Calculator and RiskTrak. P&G’s uniqueness is characterized by our highly experienced teams of subject matter experts, our unmatched quality control, proprietary processes and advanced technology which facilitates an excellent client experience. Our specialized expertise and personalized approach to meeting the needs of our clients is the cornerstone of our success and continued growth.

RSK COMPLIANCE SOLUTIONS, LLC Phone: 855-860-4888 Website: www.rskcompliance.com Contact: Asaad Faquir afaquir@rskcompliance.com RSK Compliance Solutions, LLC, is a boutique regulatory compliance consulting and review firm. Since 2013, RSK has grown to become a premier firm in the financial services regulatory consulting industry serving financial institutions within the primary markets of New Jersey, New York, Pennsylvania. We provide a full suite of regulatory compliance services, either as a function of support to compliance officers or as a cost-effective outsourced solution. Core services include compliance monitoring and self-testing across all areas of banking, including BSA/AML and OFAC, residential lending, consumer protection (Fair Lending and UDAAP) and bank operations. RSK’s range of services also includes compliance-specific risk assessments, “best-in-class” compliance training and specialty product offerings, such as CRA Evaluations and Mapping, Website ADA Compliance and Secondary Market Quality Control. In addition, we offer an array of compliance support options and interactive engagement resources, such as our innovative RSK.IQ question and answer center, RSKonnect and the RSKonnect Webinar Series. Our ethos of “Reliability, Service & Knowledge” defines our focus and our commitment to providing the highest degree of value to our clients.

WOLF AND COMPANY Phone: 413-726-6852 Website: www.wolfandco.com Contact: Marty Caine mcaine@wolfandco.com Wolf & Company's financial institution practice is one of the largest in the Northeast, providing assurance, tax, risk management, and business consulting services to more than 300 institutions. With over a century of experience in financial institutions, we pride ourselves on unparalleled client service that includes direct involvement from our senior management combined with responsive service from our multi-disciplinary team. Our clients represent financial institutions from denovo community banks to large regional institutions facing unprecedented regulatory scrutiny. Through our collaborative service strategy, we understand our clients' challenges and opportunities and work with them to achieve their business goals while navigating potential obstacles.

411 North Avenue East

Cranford, NJ 07016

908-272-8500 www.njbankers.com

@New Jersey Bankers Association @NJBankers

COMPLIANCE UNIVERSITY 2017

Wednesday, June 14 – Friday, June 16, 2017 APA Woodbridge Hotel, Iselin, NJ

Program and Biographies Thursday, June 15, 2017

NJBankers

Compliance University 2017 Thursday, June 15, 2017

Morning Session

8:00 a.m. Registration/Continental Breakfast 8:30 a.m. Welcome Remarks Salvatore Zerilli, Managing Director The Mercadien Group

8:30 a.m. Threat Finance Updates Kevin G. Rietema, Special Agent Federal Bureau of Investigation

Joint Terrorism Task Force 9:30 a.m. NJ SARS Task Force Panel

Greg Botti, Postal Inspector/Team Leader U.S. Postal Inspection Service, Newark Division

Thomas C. Germano Drug Enforcement Administration Jonathan Helmstetter, Special Agent Internal Revenue Service Michael McGarry, Special Agent Internal Revenue Services - Criminal Investigation

Kevin G. Rietema, Special Agent Federal Bureau of Investigation Joint Terrorism Task Force

10:50 a.m. Break 11:05 a.m. Best Practices to Mitigate UDAAP Risk Marianne Byrne, Esq., Managing Director Northeast FIS-RISC Solutions

Alice Judd, MBA, CRCM, Managing Director MidAtlantic FIS-RISC Solutions 12:00 p.m. Buffet Lunch

NJBankers Compliance University 2017

Thursday, June 15, 2017

Afternoon Session 1:15 p.m. Compliance Monitoring & Testing – Processes Salvatore Zerilli, Managing Director The Mercadien Group

2:15 p.m. Beneficial Ownership

Asaad Faquir, Director RSK Compliance Solutions, LLC David Lutz, Senior Manager, BSA/AML P&G Associates 3:15 p.m. Break

3:30 p.m. Why AML Regulations Matter, Lessons Learned from Recent Eastern European Banking Failures Timothy Allison, Director Grant Thornton 4:30 p.m. Adjournment

NJBankers Compliance University 2017

Thursday, June 15, 2017

BIOGRAPHIES (In Order of Appearance)

Salvatore Zerilli The Mercadien Group

Salvatore Zerilli is a managing director of The Mercadien Group; principal in Mercadien, P.C., CPAs; and leader of its Financial Institutions Services Group. A seasoned public accounting and banking industry professional, Zerilli specializes in performing risk management services for banks and U.S. branches of foreign banking institutions and other financial entities. These services include outsourced internal audit, regulatory compliance reviews, enterprise risk management and consulting services. A certified anti-money laundering specialist, his specific areas of expertise include the Bank Secrecy (BSA) and USA Patriot Acts, allowance for loan and lease losses, asset and liability management, liquidity management, information technology, and regulatory compliance. He works closely with financial institutions to ensure that they have properly implemented compliance programs that meet their needs and the scrutiny of federal and state regulators. Well-versed in the various software applications for BSA compliance, Zerilli is a sought-after expert in this area, and a frequent presenter and author on regulatory compliance and audit topics. He also has more than 15 years of banking industry experience, performing external audits of community and commercial banks and serving as vice president and controller of several New York City banks. Zerilli’s duties included supervising the financial accounting, deposit and loan operations, information technology, and human resources departments. He also was a director in an accounting and consulting firm where he was responsible for overseeing the outsourced internal audit engagements for financial institutions. This hands-on involvement augments his business acumen about internal bank operations and the industry. Zerilli is an active member of the American Institute of Certified Public Accountants and the New Jersey and New York State Societies of Certified Public Accountants, as well as the American, New Jersey, New York and Pennsylvania Bankers Associations. He is the treasurer of the Financial Managers Society NY/NJ Chapter and a member of the Philadelphia chapter; founder of the Central New Jersey Compliance Group; and a member of the Association of Certified Anti-Money Laundering Specialists and the Institute of Internal Auditors. He is licensed to practice in New Jersey and New York. Zerilli earned a Bachelor of Science degree in accounting from the University of Albany, achieving magna cum laude.

Kevin G. Rietema

Federal Bureau of Investigation Special Agent Kevin G. Rietema has been with the FBI for over 19 years and is currently assigned to New Jersey's National Security Branch/Joint Terrorism Task Force as Newark Division's National Security Threat Finance Coordinator. SA Rietema provides investigative, analytical and operational support across all programs (Counterterrorism, Counterintelligence, Counterproliferation, Terrorism Finance and significant Cyber investigations). Rietema has traveled extensively both in the U.S. and abroad and is a key liaison and outreach partner to the financial sector. His most recent project was assisting in the establishment of the Cyber Financial Pursuit Team within the FBI's Cyber Division.

Greg Botti United States Postal Inspection Service

Greg Botti has been a U.S. Postal Inspector since September 2003. Botti has investigated a variety of criminal matters to include revenue fraud, mail theft, identity theft and mail fraud; and responded to national disaster-related incidents affecting postal operations. He is currently assigned to the USPIS Newark Division where he serves as the Team Leader for a group of Postal Inspectors that investigates major fraud cases, including investment fraud, healthcare fraud, elder fraud, embezzlement and money laundering schemes. Botti is also involved in numerous consumer protection and fraud prevention initiatives throughout Northern & Central New Jersey. He maintains the Certified Financial Crimes Investigator (CFCI) designation.

Thomas C. Germano

Drug Enforcement Administration

Thomas C. Germano became an Agent in 1991 and was assigned to the New York Field Division. Germano investigated traditional narcotics cases; South American cocaine/heroin traffickers. He was reassigned to the New Jersey Division January 2000 and was assigned to High Intensity Drug Trafficking Area (Northern New Jersey) and investigated street level distribution organizations in inner cities. He was also assigned to the Financial Investigative Team (FIT) and was a member of the SAR Task Force for New Jersey (USAO). Also, Germano was assigned to the Tactical Diversion Squad (TDS), Newark Office and investigated doctors, pharmacist, distributors, manufacturers and anyone who diverts prescription medications/scheduled narcotics unlawfully. He became group Supervisor of the TDS Camden Resident Office September 2015.

Jonathan Helmstetter Internal Revenue Service

Jonathan Helmstetter is currently a member of the IRS-CI Newark Field Office Cyber Crime Team. In that capacity, Helmstetter is responsible for investigating criminal financial activity related to data breaches, identity theft, account takeovers, illegal digital currency exchangers, stolen credit/debit card databases, and other related activity. He also serves as a point of contact for financial institutions looking to report suspicious activity.

Helmstetter was selected as a special agent in the Criminal Investigation Division in Paterson, NJ specializing in income tax and money laundering cases in 2009. His career with the Internal Revenue Service began in 2008 as a special agent trainee.

Hemstetter has a Bachelor's degree in accounting from Ramapo College where he also minored in computer information systems.

Michael McGarry Internal Revenue Service

Special Agent Michael McGarry has been a Special Agent with IRS Criminal Investigation since 2003. He is assigned to the Newark Field Office. IRS Criminal Investigation serves the American public by investigating potential criminal violations of the Internal Revenue Code and related financial crimes in a manner that fosters confidence in the tax system and compliance with the law. Special Agent McGarry has participated in a myriad of tax fraud investigations, including investigations of unscrupulous tax return preparers, individuals who embezzled funds from their employers and business owners who skimmed cash from their businesses. He is currently the lead agent for the United States Attorney's Financial Crimes Task Force in Newark, New Jersey. His responsibilities include investigating violations of the Bank Secrecy Act, money laundering and tax evasion. Prior to becoming the lead agent for the United States Attorney's Financial Crimes Task Force, Special Agent McGarry was assigned to the Drug Enforcement Administration for seven (7) years where he investigated violations of the Bank Secrecy Act and money laundering statutes. In addition, he serves as the lead agent working with local law enforcement agencies in pursuing potential criminal and civil money laundering and asset forfeiture cases. Special Agent McGarry began his Internal Revenue Service career in 2000 as a Special Agent Student Trainee, before his promotion to Special Agent in 2003.

Marianne Byrne FIS-RISC Solutions

As a Massachusetts attorney with more than 25 years of experience in risk management and regulatory compliance, Marianne Byrne brings a wealth of knowledge in lending, operations, risk management, process improvements and marketing. Since 2013, she has been a trainer for the Consumer Financial Protection Bureau field examiners. Her areas of expertise include commercial lending, operations, Community Reinvestment Act (CRA), compliance management, risk management and training. Byrne is a frequent speaker at regulatory compliance conferences and seminars due to her reputation as a regulatory compliance go-to professional.

She served as the Small Business Administration and State Guaranty Manager for TD Bank where she oversaw SBA lending throughout the Bank’s footprint. In addition, she served in various corporate positions within financial institutions as Compliance Officer, Bank Secrecy Officer, Internal Auditor and Operations Officer where she chaired committees, developed compliance programs, wrote policies and procedures, developed customized training programs and prepared compliance reports for senior management. In addition to her banking experience, Byrne is a licensed real estate broker, and a member of the Massachusetts Bar Association, New York Bankers Association, New Jersey Bankers Association, New Hampshire Bankers Association, Connecticut Banking Association, American Bankers Association and Risk Management Association. She holds a J.D. from New England Law and a Bachelor of Science, summa cum laude, Suffolk University.

Alice Judd FIS-RISC Solutions

Alice Judd brings 28 years of banking experience to FIS that includes 26 years in bank management and 25 years of regulatory compliance expertise supporting a variety of business functions. Judd has served in capacities supporting commercial and consumer lending, private banking, credit card, retail banking, branch administration, deposit operations, call centers, and international operations. For FIS clients, she has developed risk assessments, compliance administration programs, compliance activity schedules, and compliance committee packages where FIS serves as a provider of supplemental resources for an institution’s compliance program. Judd has also helped clients prepare for examinations, monitor for compliance, implement self-monitoring processes and enhancements to their compliance programs as part of either enforcement action or to mitigate compliance risk.

Asaad Faquir RSK Compliance

Asaad Faquir is an experienced compliance consultant with a wide range of experience in regulatory compliance, business process improvement and risk management in the banking and financial industry. Faquir has had extensive experience working on various BSA/AML related projects throughout his career. At RSK Compliance Solutions, he provides expert compliance consulting services, customized training programs, compliance programs, and compliance risk assessments. He is also an active compliance educator and trainer through a variety of outlets, including webinars for RSKonnect Webinars and BankWebinars.com. Faquir has spoken about regulatory and compliance risk topics at local, regional, and national events. He holds a bachelor's degree in finance from Florida State University, obtained his M.B.A. from Temple University, and his M.B.S. in HR Management from the University of Limerick in Limerick, Ireland.

David Lutz

P&G Associates David Lutz is an experienced audit manager at the firm for the specialized area of Bank Secrecy Act/AML Compliance reviews. Lutz is a Certified Anti-Money Laundering Specialist ("ACAMS") and is involved in the assessment of the adequacy of client Customer Identification Program, Customer Due Diligence, Enhanced Due Diligence, Suspicious Activity Monitoring policies and procedures, and Office of Foreign Assets Control programs. He has extensive experience in performing detailed testing of clients Anti-Money Laundering Program. This process involves a comprehensive independent assessment of client customer activities to determine if potential suspicious activity went unidentified by the Bank. Lutz has also assisted in independent Look-Back Reviews, BSA/AML System Validation, and Program Optimization for community banking clients. He leads the Firm's BSA/AML Audit Team, performing targeted and specialized BSA/AML Compliance reviews for banking and credit union clients of varying sizes. Lutz is a member of the NJ Banker's BSA Committee, NYSSCPA Anti-Money Laundering and Counter Terrorist Financing Committee, and Association of Certified Anti-Money Laundering Specialist (ACAMS).

Timothy Allison Grant Thornton

With over 20 years of experience as a banking compliance professional, Timothy Allison has accrued extensive regulatory and management experience. Allison has grown up with BSA/AML from its developmental years at the U.S. Treasury Department’s Financial Crimes Enforcement Network (“FinCEN”), focusing on law enforcement case, support, money laundering risk assessments, and immersion in BSA strategic policy development including the development of the SAR form from the antiquated FBI Criminal Referral Forms. After achieving an M.B.A. in finance to round out financial institution understanding he spent the next phase of his career at the Federal Reserve Bank of New York (“FRBNY”), and post 9-11 became a key point person who developed training materials and led a week long BSA/AML boot-camp for both examiners and AML law enforcement officials at the Federal Financial Institutions Examination Council (“FFIEC”). In addition Allison served on a key working group tasked with the responsibility to draft critical sections of the original version of the FFIEC Examination Manual that was introduced in 2007. While not serving the needs of the FFIEC, he was subsequently tasked with serving as the Examiner in Charge for assessing foreign banking organizations compliance with Regulation K 211.24j, and also the overseas operations for money center banks in higher risk locations such as Brazil, Japan, Mexico, and Puerto Rico, resulting in several new Enforcement Actions, as well as the surrender of a banking license in 2007 due to foreign correspondent banking mismanagement.

In 2010, Allison parlayed his AML regulatory experience to serve the needs of banking clients through Deloitte’s Financial Advisory Service LLP (“FAS”). Highlights of his client work included managing a SAR lookback team, conducting AML and OFAC risk assessments for broker dealer, drafting policies and procedures for several national banking institutions and creating training programs. In 2013, he served as an advisor to train and redraft the AML audit programs at a global bank, assisting a clearing agent with AML responsibilities and served as the AML Officer and Head of Compliance at a financial institution saddled with a large and diverse enforcement action. Allison’s efforts in remediating the bank’s AML deficiencies resulted in the lifting of the enforcement action. He brings extensive knowledge of federal banking laws and regulations governing the operations of bank, bank holding companies and broker dealers. Allison is an accomplished team builder and effective communicator with skills to organize, motivate and manage.

EVENT SPONSORED BY:

ARC RISK AND COMPLIANCE Phone: (855) ARC-5995 Website: www.arcriskandcompliance.com Contact: Rochelle Castagna rochelle.castagna@arcriskandcompliance.com ARC Risk and Compliance is a consulting company that specializes in anti-money laundering (AML) compliance and the technology that supports your AML compliance program. For us, this specialization includes BSA, OFAC, KYC/CDD and FinCEN 314(a). We are “The AML Specialists”.

We can bridge the communication gap between what compliance needs and IT can support with the system they have. We believe that in order to bridge the gap between compliance and IT, the expert needs to be able to communicate to both departments, have knowledge and experience in both, and provide experienced solutions. We’ve been able to combine that knowledge and experience for a more thorough solution addressing both the compliance and IT requirements. Nearly all of our services have an element of technology and compliance so our approach reassures a better rate of success.

Many of ARC Risk and Compliance’s team helped pioneer AML technology in the industry. They were leaders in designing, developing and deploying the leading AML software vendors of today. In addition, our team has a strong compliance background that can assist banks with their regulatory challenges and other compliance matters.

CULLEN AND DYKMAN LLP Phone: 516-357-3849 Website: www.cullenanddykman.com Contact: Dan Bagatta dbagatta@cullenanddykman.com Cullen and Dykman LLP has been providing banking institutions with a wide range of innovative practical and cost effective legal services since 1850. We pride ourselves on our solution-oriented approach to meeting the diverse needs of our clients.

FIS Phone: 410-800-8571 Website: www.fisglobal.com Contact: Alice Judd alice.judd@fisglobal.com Providing software, services and outsourcing of the technology that empowers the financial world, FIS™ combines the most complete banking and payments solutions with a client-centric service model to help our clients succeed. THE MERCADIEN GROUP Phone: 609-689-9700 Website: www.mercadien.com Contact: Sal Zerilli szerilli@mercadien.com Mercadien is dedicated to helping financial institutions manage risk, maintain compliance and increase profitability with a sophisticated, best-practice approach based on our extensive credentials and experience in the banking and regulatory compliance sectors. Financial institutions are highly regulated, and the costs of implementing proper policies, procedures and internal controls to ensure compliance with ever-increasing rules, while protecting safety and soundness continue to rise. Your challenge is to address these issues and maintain your business standards without compromising competitive edge or profitability. As forward-thinking, relationship-driven experts in this field, Mercadien can assist your institution by providing cost-effective internal audit, regulatory compliance, risk assessment, BSA/ALM, SOX/FDICIA, IT and other consulting services. Benefit from engaging Mercadien, a foremost industry thought leader with a proactive and responsive client service culture.

P & G ASSOCIATES Phone: 877-651-1700 Website: www.pandgassociates.com Contact: Amit Govil agovil@pandgassociates.com P&G Associates is a full-service risk management firm dedicated exclusively to the banking industry. We have been serving financial institutions for over 25 years and are a leading provider of internal audit and risk management solutions to community banks throughout New Jersey, New York, Pennsylvania and the surrounding region. P&G provides a full range of Internal Audit services to cover every aspect of a financial institution, including BSA/AML and OFAC, Lending, Deposits, Financial/Treasury, Regulatory Compliance, IT & Cybersecurity, Operations, Branch/Retail, Human Resources, Trust Department and other functional areas. We also offer SOX and FDICIA Attestation, IT/Cybersecurity Risk Management (internal and external vulnerability assessments, social engineering and penetration testing) and Credit Risk Management, as well as Tax Services (tax return preparation and filing, tax accounting and consulting). In addition, we offer an array of sophisticated, proprietary software tools, such as P&G Online, IssueTracker, PRISM: The ALLL Calculator and RiskTrak. P&G’s uniqueness is characterized by our highly experienced teams of subject matter experts, our unmatched quality control, proprietary processes and advanced technology which facilitates an excellent client experience. Our specialized expertise and personalized approach to meeting the needs of our clients is the cornerstone of our success and continued growth.

RSK COMPLIANCE SOLUTIONS, LLC Phone: 855-860-4888 Website: www.rskcompliance.com Contact: Asaad Faquir afaquir@rskcompliance.com RSK Compliance Solutions, LLC, is a boutique regulatory compliance consulting and review firm. Since 2013, RSK has grown to become a premier firm in the financial services regulatory consulting industry serving financial institutions within the primary markets of New Jersey, New York, Pennsylvania. We provide a full suite of regulatory compliance services, either as a function of support to compliance officers or as a cost-effective outsourced solution. Core services include compliance monitoring and self-testing across all areas of banking, including BSA/AML and OFAC, residential lending, consumer protection (Fair Lending and UDAAP) and bank operations. RSK’s range of services also includes compliance-specific risk assessments, “best-in-class” compliance training and specialty product offerings, such as CRA Evaluations and Mapping, Website ADA Compliance and Secondary Market Quality Control. In addition, we offer an array of compliance support options and interactive engagement resources, such as our innovative RSK.IQ question and answer center, RSKonnect and the RSKonnect Webinar Series. Our ethos of “Reliability, Service & Knowledge” defines our focus and our commitment to providing the highest degree of value to our clients.

WOLF AND COMPANY Phone: 413-726-6852 Website: www.wolfandco.com Contact: Marty Caine mcaine@wolfandco.com Wolf & Company's financial institution practice is one of the largest in the Northeast, providing assurance, tax, risk management, and business consulting services to more than 300 institutions. With over a century of experience in financial institutions, we pride ourselves on unparalleled client service that includes direct involvement from our senior management combined with responsive service from our multi-disciplinary team. Our clients represent financial institutions from denovo community banks to large regional institutions facing unprecedented regulatory scrutiny. Through our collaborative service strategy, we understand our clients' challenges and opportunities and work with them to achieve their business goals while navigating potential obstacles.

411 North Avenue East Cranford, NJ 07016

908-272-8500

www.njbankers.com @New Jersey Bankers Association @NJBankers

COMPLIANCE UNIVERSITY 2017

Wednesday, June 14 – Friday, June 16, 2017 APA Woodbridge Hotel, Iselin, NJ

Program and Biographies Friday, June 16, 2017

NJBankers Compliance University 2017

Friday, June 16, 2017

Program Morning Session

8:00 a.m. Registration/Continental Breakfast 8:30 a.m. Welcome Remarks Salvatore Zerilli, Managing Director The Mercadien Group 8:30 a.m. Building a Compliance Culture and Its Connection to the Three Lines of Defense Stephen King, Director of Regulatory Compliance Services Wolf & Company 9:45 a.m. Break 10:00 a.m. HMDA Joseph D. Simon, Esq., Partner Cullen and Dykman LLP

Mandy Xu, Esq., Associate Cullen and Dykman LLP 11:00 a.m. Going Beyond ADA in 90 Days or Less

Charlie Graham, President & CEO Volum8 12:00 p.m. Buffet Lunch Afternoon Session 1:15 p.m. Fair Lending and Other Topical Updates Carl Pry, CRCM, CRP Managing Director Treliant Risk Advisors, LLC 3:15 p.m. Break 3:30 p.m. Fair Lending and Other Topical Updates Carl Pry, CRCM, CRP Managing Director Treliant Risk Advisors, LLC

4:30 p.m. Adjournment

NJBankers Compliance University 2017

Friday, June 16, 2017

BIOGRAPHIES (In Order of Appearance)

Salvatore Zerilli

The Mercadien Group

Salvatore Zerilli is a managing director of The Mercadien Group; principal in Mercadien, P.C., CPAs; and leader of its Financial Institutions Services Group. A seasoned public accounting and banking industry professional, Zerilli specializes in performing risk management services for banks and U.S. branches of foreign banking institutions and other financial entities. These services include outsourced internal audit, regulatory compliance reviews, enterprise risk management and consulting services. A certified anti-money laundering specialist, his specific areas of expertise include the Bank Secrecy (BSA) and USA Patriot Acts, allowance for loan and lease losses, asset and liability management, liquidity management, information technology, and regulatory compliance. He works closely with financial institutions to ensure that they have properly implemented compliance programs that meet their needs and the scrutiny of federal and state regulators. Well-versed in the various software applications for BSA compliance, Zerilli is a sought-after expert in this area, and a frequent presenter and author on regulatory compliance and audit topics. He also has more than 15 years of banking industry experience, performing external audits of community and commercial banks and serving as vice president and controller of several New York City banks. Zerilli’s duties included supervising the financial accounting, deposit and loan operations, information technology, and human resources departments. He also was a director in an accounting and consulting firm where he was responsible for overseeing the outsourced internal audit engagements for financial institutions. This hands-on involvement augments his business acumen about internal bank operations and the industry. Zerilli is an active member of the American Institute of Certified Public Accountants and the New Jersey and New York State Societies of Certified Public Accountants, as well as the American, New Jersey, New York and Pennsylvania Bankers Associations. He is the treasurer of the Financial Managers Society NY/NJ Chapter and a member of the Philadelphia chapter; founder of the Central New Jersey Compliance Group; and a member of the Association of Certified Anti-Money Laundering Specialists and the Institute of Internal Auditors. He is licensed to practice in New Jersey and New York. Zerilli earned a Bachelor of Science degree in accounting from the University of Albany, achieving magna cum laude.

Stephen King Wolf & Company

Stephen King serves as the director of the Regulatory Compliance group where he guides clients through the myriad of federal and state banking statutes from both an operational and legal perspective. King consults with clients on the design, implementation, and monitoring of customized compliance programs to ensure regulatory compliance in the areas of lending, operations, and retail banking. He also consults with financial institutions on enterprise risk management, compliance examination preparation and response, and new product design. An avid speaker, he travels regularly, educating the members of financial industry associations throughout the Northeast, New York, and New Jersey. King joined the Firm in 1996 and has over 20 years of experience as an advisor, facilitator and resource to financial institutions, investment companies, mortgage industry professionals and broker-dealers in compliance matters.

Joseph D. Simon, Esq. Cullen and Dykman LLP

Joseph D. Simon is a partner with Cullen and Dykman, a general practice law firm with over 150 attorney’s and offices in New York and New Jersey. Simon has been with the firm for 30 years, and represents over 50 financial institutions on regulatory, compliance, corporate and transactional matters.

He advises financial institutions on a wide range of issues, including HMDA, truth-in-lending, RESPA, truth-in-savings, financial privacy, transactions with affiliates, lending limits, electronic banking, banking operations, and currency transaction and IRS reporting obligations. Simon deals on a regular basis with state and federal regulatory agencies such as the FDIC, the Consumer Financial Protection Bureau, the Federal Reserve Board, and the Comptroller of the Currency. He has given two Tele briefings to members of the New York Bankers Association on New York’s Exempt Income Protection Act, and was a speaker at NYBA’s 2015 Financial Services Forum on the current state of bank regulatory and compliance issues. Simon has written extensively on the mortgage regulations promulgated under the Dodd-Frank Act and has worked with several financial institutions on meeting the new origination and servicing requirements imposed by those regulations. He is the author of “CFPB Mortgage Rules Under the Dodd-Frank Act,” a volume of Bloomberg BNA’s Banking Portfolio Series. The 2015 portfolio provides a comprehensive overview of mortgage rules issued by the Consumer Financial Protection Bureau under the Dodd-Frank Act. Simon is a recipient of a JD Supra 2016 Reader’s Choice Award for being one of the top four authors in the country with respect to readership and engagement in the area of Banking/Financial Services. He is a member of the Legal Committee of the New Jersey Bankers Association, the Lawyers Advisory Committee of the New York Bankers Association, and the Banking Law Committees of the American Bar Association and the New York State Bar Association.

Mandy Xu, Esq.

Cullen and Dykman LLP

Mandy Xu is an associate in Cullen and Dykman LLP’s Banking Department. Xu provides legal advice and practical guidance on operational, compliance, regulatory and other matters to banks and other financial institutions. Her experience includes product development and maintenance, day-to-day operations, marketing material review, communication with regulatory agencies, and transactional contract review. Xu advises clients on regulatory compliance matters under various laws and regulations at both the federal and state level, including the Home Mortgage Disclosure Act, the Truth in Lending Act, the Real Estate Settlement Procedures Act, the Truth in Savings Act, the Equal Credit Opportunity Act, the Electronic Fund Transfer Act, the prohibition on Unfair, Deceptive, or Abusive Acts or Practices, and financial privacy requirements. She is also experienced in mortgage rules and regulations implemented by the Consumer Financial Protection Bureau under the Dodd-Frank Act, including the TILA-RESPA Integrated Disclosure Rule, the Ability to Repay/Qualified Mortgage Rule, the Mortgage Servicing Rule, and Loan Originator compensation requirements.

Charlie Graham Volum8

Charles Graham has lived anything but a conventional life. Graham has been an accomplished music producer, world traveler, published photographer and writer, award-winning designer, creative director, entrepreneur and admitted coffee fanatic. As a speaker, he uses his words to inspire and educate, whether in the board room, presenting at various universities, or for a broad financial audience. Graham follows his passion and shares his experiences working at the crossroads of technology, creativity and strategy. These days, his passion resides in growing his company, Volum8 Creative Inc., by helping businesses navigate the ever-changing current of technology and the web. He's an advocate for strengthening community and empowering people to do what they love. With an intense focus on quality and detail, he's a true strategist with a creative heart.

Carl G. Pry, CRCM, CRP Treliant Risk Advisors, LLC

Carl Pry, Managing Director of Treliant Risk Advisors and the Firm’s leader of the Compliance and Fair Lending practice, is a seasoned executive with banking law, corporate finance, and regulatory compliance experience in Fortune 500 institutions, regional banks and industry consulting firms. Pry advises clients on consumer and commercial compliance, fair lending, mortgage, and risk management. Over the last 22 years, he has held senior leadership positions including Senior Vice President and Compliance Manager for the Compliance and Control Division at KeyBank, Vice President of Regulatory Services at Kirchman Corporation and Manager of Finance and Performance Management Service Line at Accenture.

With strong knowledge and experience as a banking attorney and officer, Pry is a frequent contributor to and currently serves on the Editorial Advisory Board for the ABA Bank Compliance magazine. As a featured speaker for numerous banking, compliance, and state bar associations, he has led training sessions across the country. He has served as an instructor at FDIC and NCUA examiner schools. Pry has authored training programs covering consumer and commercial compliance, audit, quality control, tax, privacy and risk management. Recipient of the ABA’s Distinguished Service Award in 2015, he is a columnist for ABA Bank Compliance and ABA Bank Marketing magazines. He has authored scores of articles on financial issues and developed testing and support materials for BAI’s Anti-Money Laundering Professional certification and served as subject matter expert for web-based compliance and audit educational testing programs for banking training firms. Pry holds a J.D. and an M.B.A. from the University of Toledo College and a B.A. from Bowling Green State University. He is also a Certified Regulatory Compliance Manager and Certified Risk Professional.

EVENT SPONSORED BY: CULLEN AND DYKMAN LLP Phone: 516-357-3849 Website: www.cullenanddykman.com Contact: Dan Bagatta dbagatta@cullenanddykman.com Cullen and Dykman LLP has been providing banking institutions with a wide range of innovative practical and cost effective legal services since 1850. We pride ourselves on our solution-oriented approach to meeting the diverse needs of our clients. THE MERCADIEN GROUP Phone: 609-689-9700 Website: www.mercadien.com Contact: Sal Zerilli szerilli@mercadien.com Mercadien is dedicated to helping financial institutions manage risk, maintain compliance and increase profitability with a sophisticated, best-practice approach based on our extensive credentials and experience in the banking and regulatory compliance sectors. Financial institutions are highly regulated, and the costs of implementing proper policies, procedures and internal controls to ensure compliance with ever-increasing rules, while protecting safety and soundness continue to rise. Your challenge is to address these issues and maintain your business standards without compromising competitive edge or profitability. As forward-thinking, relationship-driven experts in this field, Mercadien can assist your institution by providing cost-effective internal audit, regulatory compliance, risk assessment, BSA/ALM, SOX/FDICIA, IT and other consulting services. Benefit from engaging Mercadien, a foremost industry thought leader with a proactive and responsive client service culture.

P & G ASSOCIATES Phone: 877-651-1700 Website: www.pandgassociates.com Contact: Amit Govil agovil@pandgassociates.com P&G Associates is a full-service risk management firm dedicated exclusively to the banking industry. We have been serving financial institutions for over 25 years and are a leading provider of internal audit and risk management solutions to community banks throughout New Jersey, New York, Pennsylvania and the surrounding region. P&G provides a full range of Internal Audit services to cover every aspect of a financial institution, including BSA/AML and OFAC, Lending, Deposits, Financial/Treasury, Regulatory Compliance, IT & Cybersecurity, Operations, Branch/Retail, Human Resources, Trust Department and other functional areas. We also offer SOX and FDICIA Attestation, IT/Cybersecurity Risk Management (internal and external vulnerability assessments, social engineering and penetration testing) and Credit Risk Management, as well as Tax Services (tax return preparation and filing, tax accounting and consulting). In addition, we offer an array of sophisticated, proprietary software tools, such as P&G Online, IssueTracker, PRISM: The ALLL Calculator and RiskTrak. P&G’s uniqueness is characterized by our highly experienced teams of subject matter experts, our unmatched quality control, proprietary processes and advanced technology which facilitates an excellent client experience. Our specialized expertise and personalized approach to meeting the needs of our clients is the cornerstone of our success and continued growth.

RSK COMPLIANCE SOLUTIONS, LLC Phone: 855-860-4888 Website: www.rskcompliance.com Contact: Asaad Faquir afaquir@rskcompliance.com RSK Compliance Solutions, LLC, is a boutique regulatory compliance consulting and review firm. Since 2013, RSK has grown to become a premier firm in the financial services regulatory consulting industry serving financial institutions within the primary markets of New Jersey, New York, Pennsylvania. We provide a full suite of regulatory compliance services, either as a function of support to compliance officers or as a cost-effective outsourced solution. Core services include compliance monitoring and self-testing across all areas of banking, including BSA/AML and OFAC, residential lending, consumer protection (Fair Lending and UDAAP) and bank operations. RSK’s range of services also includes compliance-specific risk assessments, “best-in-class” compliance training and specialty product offerings, such as CRA Evaluations and Mapping, Website ADA Compliance and Secondary Market Quality Control. In addition, we offer an array of compliance support options and interactive engagement resources, such as our innovative RSK.IQ question and answer center, RSKonnect and the RSKonnect Webinar Series. Our ethos of “Reliability, Service & Knowledge” defines our focus and our commitment to providing the highest degree of value to our clients.

WOLF AND COMPANY Phone: 413-726-6852 Website: www.wolfandco.com Contact: Marty Caine mcaine@wolfandco.com Wolf & Company's financial institution practice is one of the largest in the Northeast, providing assurance, tax, risk management, and business consulting services to more than 300 institutions. With over a century of experience in financial institutions, we pride ourselves on unparalleled client service that includes direct involvement from our senior management combined with responsive service from our multi-disciplinary team. Our clients represent financial institutions from denovo community banks to large regional institutions facing unprecedented regulatory scrutiny. Through our collaborative service strategy, we understand our clients' challenges and opportunities and work with them to achieve their business goals while navigating potential obstacles.

NOTES:

411 North Avenue East Cranford, NJ 07016

908-272-8500

www.njbankers.com @New Jersey Bankers Association @NJBankers