April 5 & 6, 2016Embassy Suites/Conference CenterMurfreesboro, TN

Strategictechnology & operationSconference

ExhibiTor ShowTechnology exhibits will be on display Tuesday, April 5, in Mirabella A-E Ballroom. Continental breakfast, all coffee breaks, lunch, and the exhibit closing reception will be set up in the Exhibit Hall. Please make time to visit with exhibitors to see new products and hear about the latest technologies.

2015-16 TEChNology CoMMiTTEEChairman: Aaron Tyler, Senior Vice President/ IT Manager, American Trust Bank of East Tennessee, KnoxvillePatrick Adkins, IT Administrator, The Hardin County Bank, Savannah Marcie Angle, Business Development, LBMC, Brentwood Dustin Atkins, First Vice President/Chief Operating Officer, Peoples Bank of East Tennessee, Madisonville

Jerry Cantrell, Senior IT Officer/Senior Vice President, First Citizens National Bank, Dyersburg Denise Cobb, Executive Vice President/Chief Operations & Technology Officer, FSG Bank N.A., Chattanooga Randy Dover, Vice President/Information Technology Officer, Cornerstone Community Bank, Chattanooga Steve DuPerrieu, Vice President-Channels and Analytics, Computer Services, Inc, Franklin Chris Loyd, Shareholder, Elliott Davis Decosimo, Franklin Lee McCollum, Vice President, Commercial Bank & Trust Co, Jackson Curtis Miller, Vice President/Information Technology, Heritage Bank, Hopkinsville, KYJodi Moore, Senior Account Executive, Federal Reserve Bank of Atlanta, Nashville Thomas Payne, PhD, Dean, College of Business, Tennessee Technological University, CookevilleKathy Perdue, Assistant Vice President of Information Technology, Progressive Savings Bank, Jamestown Gina Pruitt, Member-In-Charge, Risk Assurance & Advisory Services, Kraft CPAs PLLC, NashvilleCerone F. (Cy) Sturdivant, Managing Consultant, BKD, LLP, Nashville

Tyler

AgENDA: TuESDAy, April 5Pocket Agenda sponsored by National Payment Systems, Greenbrier, TNMobile App sponsored by Elliott Davis Decosimo, Franklin, TN

7:30 a.m. registration Continental breakfast/Exhibits open Mirabella A-E, Exhibit Area Continental Breakfast sponsored by Teklinks, Franklin, TN

8:30 a.m. Call to order/Chairman’s welcome Aaron Tyler, Chairman, Strategic Technology Committee; and Senior Vice President/IT Manager, American Trust Bank of East Tennessee, Knoxville, TN;

8:45 a.m. how Money Feels: why user Experience (ux) beats user interface (ui) Lee Wetherington, Director of Strategic Insight, Jack Henry & Associates, Inc, Valdosta, GA

What consumers see (UI) is only as good as how it makes them feel (UX). In the rush to build out digital channels, many banks get lost in the mechanics of moving money and lose sight of money’s meaning to the parties at either end of a transaction. To remain relevant, banks must not only shift their focus from money movement to money management, they must also master the art of engagement, i.e., the ability to create repeated, satisfying interactions that enhance the emotional connection between the customer and the bank. What does that look like? And how can you leverage digital services to replace the negative emotions of money (anxiety, guilt, impulse) with positive emotions (control, confidence, empowerment)? Join Wetherington for an eye-opening look at the future of digital banking.

who ShoulD ATTENDThis conference is designed for CEOs, CIOs, CFOs, COOs, senior operations officers, senior department heads, IT directors, and anyone responsible for making technology decisions within your institution.

April 5 & 6, 2016Embassy Suites/Conference CenterMurfreesboro, TN

Wetherington

Tyler

Strategic technology & operationS conference

10:15 a.m. break Mirabella A-E, Exhibit Area

10:45 a.m. The “Examinator” roundtable: “we’ll be back!” Moderators: Gina Pruitt, Member-in-Charge, Risk Assurance & Advisory Services, KraftCPAs, PLLC, Nashville, TN; and Cy Sturdivant, Managing Consultant, BKD, LLP, Nashville, TN

Panelists: Tony DaSilva, Supervision and Regulation Senior Technical Expert, Federal Reserve Bank of Atlanta, Atlanta, GA; Linda Finck, IT Examiner, Federal Deposit Insurance Corporation - Dallas Region, Nashville, TN; and Robert Hurd, National Bank Examiner and Lead Expert for Bank Technology, Office of the Comptroller of the Currency, Dallas, TX

Everyone wants to know what to expect before the examiners arrive. This session will address what examiners are focusing on and what they consider the hot topics in the coming year. The panel will answer questions and discuss recent changes to FFIEC guidelines, as well as other key areas for you to prepare for during your next IT exam. DaSilva, Finck, and Hurd will provide their interpretations on how we are doing in managing our cybersecurity programs and how we can continue to improve. In addition, they will answer questions asked directly from the audience, so please provide us your questions by filling out the form at the back of this booklet, or by emailing Gina Pruitt at gpruitt@kraftcpas.com, prior to the conference.

12–1:15 p.m. lunch Mirabella A-E, Exhibit Area

1:15–2:25 p.m. Concurrent workshops

workshop #1 (Executive/operations Track) Think like a Freak: A guide to Thinking Strategically Lee Wetherington, Director of Strategic Insight, Jack Henry & Associates, Inc, Valdosta, GA

Strategy is best done from the future backwards, but it’s hard to see ahead with built-in blind spots. In addition to intellectual, political, and moral prejudices, all of us are dogged by a set of more than 60 cognitive biases documented by 40 years of research in behavioral psychology and economics. Economist Steve Levitt and writer Stephen Dubner’s latest book, Think Like a Freak, is widely celebrated for its compelling and entertaining exposé of cognitive biases that skew our perceptions and endanger our ability to think, see, and act rationally. Join Wetherington as he reviews the top biases and blind spots impairing banks’ strategic foresight and learn how to “think like a freak.”

DaSilva

Finck

Hurd

Wetherington

workshop #2 (Technical Track) information Security, Addressing Advanced Threats with Forensics Brent Cantrell, CISSP, CCNA, AVSE, Director of Managed Security Services, Director of Information Technologies, Sword & Shield Enterprise Security, Knoxville, TN

In this session, Cantrell will include information on the security landscape and state of security by the numbers. He also will cover the current threats with example case studies as well as how a data breach affects the flow of business. Cantrell will include social engineering tactics and examples detailing the importance of user training and testing of your employees and identifying who we are protecting and how to do so. He will provide an overview of incident response and how to actively protect ourselves.

2:25–2:45 p.m. break Mirabella A-E, Exhibit Area

2:45–3:55 p.m. Concurrent workshops

workshop #3 (Executive/operations Track) latest Developments in Card payments Derrick Bretz, Director of Payment Services, Computer Services, Inc, (CSI), Valparaiso, IN

Technology innovation is transforming the payments industry and changing consumer expectations – and delivering new commerce experiences. Card programs continue to evolve, providing a significant value proposition by delivering excellent return on investment, strengthening brand awareness, and enhancing customer relationships. In this session, Bretz will review the latest developments in card payments, including new form factors in EMV, digital and mobile wallets, acceptance use cases at mart and interactive teller machines.

ThANk you To our SpoNSorS

National Payment SystemsGreenbrier, TNPocket Agenda

Elliott Davis DecosimoFranklin, TNMobile App

TeklinksFranklin, TN

Tuesday Continental Breakfast

Cantrell

Bretz

workshop #4 (Technical Track) Cybersecurity: The New Frontier–what Does your bank Need to Do Now? Linda Finck, CISA, CISSP, CFCP, CABM, IT Examiner, Federal Deposit Insurance Corporation- Dallas Region, Nashville, TN

You’ve seen the headlines describing the inevitability of cybercrime as a “not if, but when” possibility, but can it really happen to your bank? What does cyber hygiene really mean? Does your bank need to complete the Cybersecurity Assessment Tool? What can your bank do now to test its cyber resiliency program? And most importantly, what steps does your bank need to take to protect its depositors from outside threats? Join Finck in this timely discussion of cybersecurity from a regulator’s perspective. Learn about benchmarks and best practices that could potentially help your bank prepare before an event occurs and hear some important tips regarding completion of the Cybersecurity Assessment Tool.

3:55–4:15 p.m. break, Mirabella A-E, Exhibit Area

4:15–5:25 p.m. Concurrent workshops

workshop #5 (Executive/operations Track) Same Day ACh opportunities/risk Management/implementation Donna S. Ashworth, AAP, Executive Vice President/Risk and Compliance, PaymentsFirst, Goodlettsville, TN

The Same Day ACH: Moving Payments Faster rule will amend the NACHA Operating Rules to allow for same-day processing of virtually any ACH payment. The Rule will enable ACH originators that desire same-day processing the option to send same-day ACH transactions to any Receiving Depository Financial Institution (RDFI). Join Ashworth in this session to discuss opportunities, implementation, impacts to RDFIs and ODFIs, and risk management. The Rule will be implemented in three phases – with Phase 1 becoming effective September 23, 2016.

workshop #6 (Technical Track) iT interactive Session: Ask a banker Moderator: Steve DuPerrieu, Vice President-Channels and Analytics, Computer Services, Inc, Franklin, TN

Panelists: Dustin Atkins, First Vice President/Chief Operating Officer, Peoples Bank of East Tennessee, Madisonville, TN; Randy Dover, Vice President/Information Technology Officer, Cornerstone Community Bank, Chattanooga, TN; and Kathy Perdue, Assistant Vice President of Information Technology, Progressive Savings Bank, Jamestown, TN

This thought-provoking session will foster engaging and educational discussion. Come to the session with your technology challenges and questions for the panel or other bank senior leaders in attendance. The interactive discussions are intended to be strategic and high level, helping institutions learn from other bankers about how they are addressing technology issues and challenges in the industry.

Finck

Ashworth

Atkins

Dover

Perdue

5:30–6:30 p.m. Exhibits Closing reception/Door prizes Mirabella A-E, Exhibit Area

wEDNESDAy, April 68:00 a.m. Continental breakfast

8:30 a.m. Call to order Aaron Tyler, Chairman, Strategic Technology Committee; and Senior Vice President/IT Manager, American Trust Bank of East Tennessee, Knoxville, TN

8:45 a.m. Fraud from the Dark web Tim Leonard, Chief Information Officer, Commercial Bank of Texas, Nacogdoches, TX

Join Leonard for an exciting journey to the dark side of the Internet, where sex, drugs, and stolen credit cards are traded for bitcoin. This is not your typical security talk. Attendees with take a “red team” approach and learn the tradecraft used by criminals to rip off financial institutions. Leonard will cover the use of anonymous IDs, burner phones and laptops, crypto-currency and more in this unique and informative session. You do not want to miss this one.

10:00 a.m. break

Download the Strategic Technology & operations

MobilE EvENT AppEnjoy custom schedules, program maps, speaker bios, and extended information about this year’s program!

Use redeem code: TBAStrategic16To learn more, visit: www.guidebook.com/g/TBAStrategicTechOps2016

Sponsored by

Leonard

10:15 a.m. branch Transformation: gateway to Customer Engagement David L. Peterson, Chief Strategy Officer, i7 Strategies, Hahira, GA

Significant discussions are ongoing about the future of the physical branch. Transformative ideas such as conversion into an automated transaction center or a makeover of the lobby, converting it into a something akin to an upscale hotel or coffee bar are actively considered. But none of these options address the fundamental question: What compelling reason does a customer and prospect have to come into a branch in the first place? The advance of the virtual branch and the ability of customers to transact at a time and place of their choosing have severely reduced branch activity. With negative PR limiting banks’ choices in closing low performing branches, it is time to look at a new paradigm in what the root issue actually is. The key is engagement: creating reasons for customers and prospects to interact with the institution, both online and in-person. Join Peterson in this content-rich session where he will discuss specific strategies on how to change to an engagement-driven branch service model that will strategically integrate into your virtual branch services.

11:15 a.m. Closing Comments/Adjourn

2016 SENior iT/opErATioNS oFFiCEr ForuMSTBA Barrett Training Center Nashville, TN

Session 1: April 1Session 2: July 22Session 3: October 21

The information technology and operations areas of banking carry some of the greatest risk to your organization. Critical issues are constantly evolving, and it is imperative for persons responsible for these areas in your institution to stay abreast of current issues, requirements, and changes. With the assistance of a facilitator, these forums provide a platform for participants to network and find answers, solutions, and best practices to common problems and matters of concern.

To request more information, contact: Debbie Bricklesdbrickles@TNBankers.orgTennessee Bankers Association800-964-5525 or 615-244-4871

Peterson

CoNTiNuiNg EDuCATioN CrEDiTAttendees qualify for 10 hours of Continuing Professional Education (CPE) credit in the area of Business Management and Organization. In accordance with the standards of the National Registry of CPE Sponsors,

CPE credits have been granted based on a 50-minute hour. For more information regarding administrative policies or complaints, please contact our offices at 615-244-4871.Tennessee Bankers Association is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be submitted to the National Registry of CPE Sponsors through its website: www.learningmarket.org.º

This program has not been pre-approved for ICB CE credits. Attendees who require ICB credits should go to www.aba.com/Training/ICB/Pages/

membercereview.aspx for further instructions.

For additional continuing education credit information, call the TBA education department at 800-964-5525 or 615-244-4871.

gENErAl iNForMATioNAttire: Business casual attire is appropriate for all TBA programs. Because of temperature variations in meeting rooms, please bring a sweater or jacket for your comfort.

Program Availability: Due to hotel guarantees and material production, reser-vations received less than 5 business days before the program will be subject to space and material availability.

Cancellation Policy: Cancellations received in the TBA office 5 business days prior to the scheduled program will be refunded in full. Due to commit-ments with hotels, cancellations received less than 5 business days prior to the scheduled program are not refundable. Substitutions are welcome. Registrants who do not attend the program or send a substitute will be responsible for the entire registration fee.

Special Needs: If you have a special need that may affect your participation in this program, or special dietary requests, please send TBA a statement regarding any special needs at least 10 days before the program. We will contact you to discuss accommodations.

ADDiTioNAl iNForMATioN Advanced Preparation: No advanced preparation required for this program. Prerequisites: Some knowledge of the IT function within the institution. Program Level: This conference program is on the intermediate level, and work-shops are divided into executive/operations and technical tracks.Delivery Method: Group-Live

hoTEl iNForMATioNThe conference is held again at the Embassy Suites Hotel/Conference Center, located at 1200 Conference Center Boulevard, Murfreesboro, TN. The Embassy Suites is adjacent to the Avenue Murfreesboro lifestyle center, featuring the area’s best restaurants and shops. All rooms are suites, and the group rate includes a complimentary cooked-to-order breakfast every morning, as well as a nightly manager’s reception. The hotel also has an indoor pool and a fitness center.The hotel is holding a block of rooms on a first-come, first-served basis at a special group rate of $144 single/double. The deadline for making reservations at the special group rate is midnight on Monday, March 14. All remaining rooms in the room block that have not been reserved will be released to the general public after March 14, and the Embassy Suites may honor the group rate at its discretion after that date. When the allotted room block is sold, room rates will return to standard prices on a space-available basis, even if it is before the March 14 deadline.Please make your overnight arrangements early to assure you receive the special TBA rate. To make your reservations, please call the hotel directly at 615-890-4464 and ask for the Tennessee Bankers Association Technology Conference block of rooms to qualify for the special group rate.

rEgiSTrATioN iNForMATioN

The fee includes instructional materials, continental breakfast, and refreshment breaks on both days and lunch and reception on Tuesday. Please register early. Day-of-program registrants will be assessed a $50 late registration fee. The team discount is not available to day-of-program registrants. No written confirmation of seminar registration will be sent from the TBA.Participation in TBA programs is limited to members, associate members, and nonmembers from an eligible membership category at applicable member or nonmember rates.For more information about this conference, please contact: Susan Taylor, CMP - staylor@TNBankers.org Senior Vice President of Professional DevelopmentTennessee Bankers Association615-244-4871 or 800-964-5525 or visit our website at www.TNBankers.org.

Team Discount: A discount of $25 per person is available for multiple registrations from the same institution, after the initial registration. Only the first registrant from your institution pays the full fee. To be eligible for the team discount, you must register all your attendees at the same time in advance.

Members / Associate Members Nonmembers

Early Registration $450 $900

Each additional person/same institution $425 $875

Early registration deadline is March 22.

Registration $480 $930

Each additional person/same institution $455 $905

All Day-of-Program $530 $980

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