2018 Program/Agenda

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Sunday, July 29

Welcome Refreshments & Snacks
Welcome Reception - Exhibition Area
Kick-off Dinner at Kate’s Mountain Lodge

Monday, July 30

Buffet Breakfast

Exhibit Area Open

First General Session

Todd Clossin

Todd Clossin, WVBankers Chairman and President and CEO, WesBanco Bank Inc.

Opening Remarks & Business

Jeffrey Szyperski

Jeffrey Syperski, Chairman-Elect, American Bankers Association

Washington Update - Congressional Relations and Public Policy

Betsy Hubbard

Keynote - The New Realities

Betsy Hubbard, Founder and President, Mindset Digital

The challenge today is no longer getting your message out.  The challenge is getting your message in – so hyper-distracted audiences will engage with you.  Learn three shifts that will dramatically change the way you communicate in a new digital age.

Betsy Hubbard helps leaders in Fortune 100 firms and healthcare organizations get up to speed in a digital age. She is fascinated by the digital revolution and passionate about helping professionals make the most of technology. Betsy has trained thousands and delivered keynotes to more than 50,000 people across the world—from Utah to Ukraine.

Before founding Mindset Digital, Betsy transformed the Kiplinger Program in Public Affairs Journalism at The Ohio State University into the first social media fellowship for journalists and taught graduate courses on the impact of digital media on public policy at the John Glenn School of Public Affairs.

Betsy earned an M.A. in Public Policy from the University of Minnesota and aB.A. in Political Science from Goucher College, also spending a year abroad at the London School of Economics.

Concurrent Breakout Sessions

Investing Along a Flattening Line - Presented by FTN Financial
Steve Twersky

As the Fed continues to raise short-term rates it is almost a certainty the yield curve will continue to flatten. This will have a big impact on the risk-reward profile of your investment portfolio and may require changes to your current approach. This session will examine which structures and strategies best balance out this changing risk-reward profile. The session will also provide an update on the impact of tax-reform on tax-free municipals, a key sector for many West Virginia banks.

Steve Twersky is executive vice president and manager of the Portfolio Strategies Group at FTN Financial Capital Markets. In addition, Steve is responsible for managing the full depository institution support platform for FTN Financial. As manager of the Portfolio Strategies Group, Steve assists clients with all aspects of investment portfolio and balance sheet management including regulatory, tax, and accounting issues. In his broader role, Steve helps ensure that FTN Financial’s comprehensive service package for depository institutions remains relevant to the continually changing banking environment.
The Digital Future is NOW – Become Competitive in the Electronic Mortgage Revolution - Presented by Old Republic National Title/Pavasso
Brian Gartley Nancy Pratt


The digital mortgage is here and happening faster than expected. Success in today’s changing environment requires the ability to adapt and meet consumers’ demands. If your business doesn’t evolve, your competitors will. In this session, we will discuss where to start and how to implement a digital strategy to ensure you stay competitive, retain current customers, and attract new ones.

Brian Gartley has been in the West Virginia real estate title industry since 1996 and is currently Vice President and State Manager for Old Republic National Title Insurance Company. His current responsibilities at Old Republic Title include business development, Title insurance policy underwriting, preparing and delivering seminars, claims management, supporting the title agent with new technologies, IOLTA escrow accounting overview audit and office procedures. Brian’s direct efforts in working to grow Old Republic National Title have yielded some significant results. Increasing total market share in WV for Old Republic from 5% in 2003 to 35% in 2017. Daily he works with attorneys and bank owned title agencies across the State of WV and effectively works to resolve both residential and commercial real estate title issues.

Nancy G. Pratt is the Vice President of Partner Relations and Government Affairs for Pavaso. She provides team leadership in attaining company goals and manages the strategic relationships for the growth of the company. She is responsible for maintaining the relationships at Federal and State level, understanding key regulatory issues and laws that pertain to the operations of Pavaso. She is involved with Sales Support and strategy of the promotion and development of the Digital Mortgage Solutions throughout the Title agent network and lender segment of the industry.

Convention Golf Tournament -  The Meadows Course

Chairman’s Reception - Exhibit Area

Dinner on your own

Tuesday, July 31

Buffet Breakfast

Exhibit Area Open

Concurrent Breakout Sessions 

Cybersecurity in Banking:  How to Defend Against Cyber Threats in 2018  (Bailey & Glasser LLP)
Jonathan Deem

Rob Dixon

In order to build a strong defense against cyber-attacks, banks must adopt proactive, modern and agile strategies to rapidly identify and respond to digital security risks. This session will help bankers to understand the risks associated with technology and provide them with advice that help to protect their customers’ assets as well as their own. Best practices will be discussed that will reduce the risks faced by banks and help to create a culture of cyber security at their institution.

Jonathan Deem is a transactional lawyer in the firm’s Washington, DC, and Charleston, WV offices. His practice areas include mergers and acquisitions, commercial real estate transactions, commercial litigation, financial services, corporate finance and entrepreneurial transactions.

Before joining Bailey & Glasser, Jonathan was General Counsel to Governor Joe Manchin of West Virginia. Jonathan later served as Chief of Staff and Senior Advisor to Manchin following his election to the United States Senate in 2010. Jonathan represents clients in the natural resources, technology, real estate and financial sectors.

Rob Dixon is the Director of Information Systems Security at Advantage Technology. Rob is charged with leading the Information Security Services Team in delivering advisory services, security compliance testing, awareness training and other professional security services. Rob has 20 years of industry experience in information security with a strong background in security operations, applied threat intelligence, policy & operational procedure development, incident management, malware research, network defense architectures, network penetration testing, intrusion prevention technologies, endpoint protection and analysis and counterintelligence control operations.

Optimizing Credit and Managing Risk to Improve Bank Performance Presented by Dixon Hughes Goodman LLP
Lori Charlebois David Ruffin


Understanding your bank's credit mark, data and ALLL factors will be paramount to performance metrics as your institution prepares for CECL implementation, M&A or fair value considerations. Join DHG in this session to discuss strategic credit considerations to make the most of your bank's performance.

Lori Charlebois has more than 25 years of public accounting experience, focusing on audits of financial institutions and mortgage banks with an emphasis in internal controls of all industries. A majority of Lori’s public accounting career has been in the financial institution industry, serving banks from $200 million to $60 billion in assets, including SEC and non-SEC banks. With this experience, Lori provides leadership and guidance for growing banks to help them address their strategy and implement their goals.

In addition to external audits, Lori also specializes in internal auditing and has developed tailored audit programs for the banking industry. She works with her clients to develop unique resolutions that will strengthen controls and work within the client’s resources and philosophies.

David Ruffin has more than 42 years of experience in the banking industry with a focus on credit risk. He has 27 years of experience as a business owner and banking industry consultant. David helps lending institutions evaluate credit risk—both traditional transactional credit risk and the emerging more macro portfolio focus. David assesses all aspects of the credit process and credit culture—pertaining to a financial institution’s day-to-day activities, as well as within the integration challenges of a prospective merger or acquisition. Through his experience as a practicing banker and managing a credit consultancy firm, David has worked with management teams and boards of directors to create value by assessing the quality of loan review, credit talent, underwriting, servicing and loan approval protocols.

He has presented at more than 100 conferences for state bankers associations and financial organizations on pertinent credit issues facing the industry throughout the U.S. David’s presentation topics include current trends in credit, stress testing, enterprise risk management, construction real estate concentrations, loan review effectiveness and the importance of credit culture. David has served as a subject matter witness in various cases and jurisdictions.

Closing General Session 

Keynote Address - Divided We Stand
Michael Smerconish

Michael Smerconish’s daily interaction with his listeners across the country gives him a grassroots perspective on the critical matters facing our country from the state of our economy, the budget deficit, the future of healthcare and immigration to the divisiveness of political partisanship and civil discourse across the country. Using the perfect blend of analysis and humor, he delivers an engaging, thought-provoking and balanced dialogue on today’s issues, the 2016 Presidential election and the possible long-term implications of the polarization in politics over the coming years.

Michael A. Smerconish is the host of The Michael Smerconish Program on SiriusXM Channel 124, the host of CNN’s Smerconish on Saturday mornings, newspaper columnist and author.

On August 20, 2009, Smerconish became the first radio host to interview President Barack Obama live from the White House. The 35-minute interview was conducted in the Diplomatic Reception Room and televised live on MSNBC, CNN and FOX News. Smerconish has interviewed President Obama on seven different occasions. He has also interviewed Presidents Jimmy Carter, George H.W. Bush, Bill Clinton and George W. Bush, as well as Vice Presidents Al Gore, Dick Cheney and Joe Biden.

Smerconish is the author of six books, two of them New York Times’ best sellers. He donated all author proceeds from three of those manuscripts to charity. His published books are: Flying Blind: How Political Correctness Continues to Compromise Airline Safety Post 9/11 (for which he donated his proceeds to the Garden of Reflection, a 9/11 tribute garden in his native Bucks County, Pennsylvania); Muzzled: From T-Ball to Terrorism, True Stories that Should Be Fiction (a New York Times bestseller); Murdered By Mumia: A Life Sentence of Loss, Pain and Injustice (a New York Times bestseller which he co-authored with Maureen Faulkner and for which he donated his proceeds to the Daniel Faulkner Educational Grant Fund); Morning Drive: Things I Wish I Knew Before I Started Talking; and Instinct: The Man Who Stopped the 20th Hijacker (the story of Jose Melendez-Perez, for which he donated his proceeds to the Flight 93 National Memorial in Shanksville, Pennsylvania). Additionally, through a promotional partnership with jeweler Steven Singer, Smerconish has raised in excess of $300,000.00 for the Flight 93 National Memorial. His sixth book is his first novel— TALK!

Cocktails on the Terrace

Closing Banquet & Entertainment

Entertainment: The Company Men  

The Company MenTHE COMPANY MEN are a nationally recognized pop vocal group which has performed over a 1000 shows around the world. They have enjoyed a residency for the past two years on Norwegian Cruise Line’s flagship The Escape and Pride of America. They have shared stages with legendary artists, such as Mariah Carey, Colbie Caillat, Daughtry, Chaka Khan, Natalie Cole and most recently Billy Idol and Sheena Easton.

Unlike any other four-man vocal group touring today, THE COMPANY MEN uniquely interweave today’s Top 40 hits with re-imagined classics of the last six decades, blending songs by some of your favorite artists including Sam Smith, The Four Tops, Michael Jackson, Katy Perry, Adele, The Temptations, Sam Cooke, The Weeknd, Billy Joel, Prince, Meghan Trainor, Bruno Mars, Michael Bublé, Nick Jonas, The Eagles and many more.

Their show A NIGHT OF HITS has one of the widest demographic appeals of any show on tour today and brings the audience a staggering 70+ songs in just 90 minutes!

Wednesday, August 1

Greenbrier Hotel Checkout