View the agenda below.

Wednesday, October 10, 2018

10:00 a.m. - 7:00 p.m. | Lower Level,  Ballroom Foyer


10:30 a.m. - 11:45 a.m. | Lobby Level Meeting Rooms, 

Pre-Conference Session: 
Leading The Leaders: Director Best Policies
Ancin Cooley, CIA, CISA
Synergy Credit Union Consulting, Inc. 

The presence of strong Board leadership creates a sustainable advantage for a credit union. However, in the absence of Board leadership, a credit union will likely suffer financially, and ultimately hurt its members. Finding the right balance between Board and management leadership is essential to creating sustainable culture, reducing risk, and providing value to members. This workshop/course will provide attendees with a practical road map for knowing when to lead, when to partner, and when to stay out of the way. In the morning session, you will learn how to:

  • Conduct Effective Board Evaluations
  • Deal with under-performing Directors
  • Discuss and implement Term Limits
  • Develop effective Board committee charters
  • Ensure Board Competence
  • Implement the Risk Appetite and Risk Tolerance statements
  • Develop strategic goals Goal Choices
  • Effective prepare and address management and Board Succession
  • Your Role As the Chairman
  • Identify a failing CEO
  • When to stay out of the way of management 
  • Improve earnings thru management driver projects

11:00 a.m. - 4:15 p.m. |  Lobby Level Meeting Rooms, 


CUSA/Fiserv - Small Credit Union General Sessions

12:00 p.m. - 2:45 p.m. |  Lower Level,  Uncas Ballroom Salons B-D

Trade Show 

1:00 p.m. - 2:00 p.m. Lobby Level Meeting Rooms,

Breakout Session:  (Volunteer Track)
Understanding Your Audit Reports: Supervisory Committee Best Practices
Ancin Cooley, CIA, CISA
Synergy Credit Union Consulting, Inc. 

Supervisory Committee effectiveness is based on how well committee members use their capabilities to achieve desired risk management results for the institution. To get those results, committee members must understand the information provide by their auditor and consultants.


  • Discuss the expanding roles and responsibilities of supervisory committee members.
  • Share practical techniques to improve communication with management, regulators, and auditors.
  • Learn how certain institutions are using a project management approach to correct audit and regulatory findings

Topical Areas:

  • Your role as a Supervisory Committee member
  • Practical Application: Reviewing reports
  • Understanding the IT Audit report and questions to ask.
  • Understanding the Compliance Audit report and questions to ask.
  • Understanding Internal Audit reports and questions to ask
  •  Understanding the Loan Review Audit report and questions to ask.
  • Understanding the Examiner Report and questions to ask.
  • Critical Conversations with Management

1:00 p.m. - 2:00 p.m. | Lobby Level Meeting Rooms, 

Breakout Session:   (Volunteer Track)
Let's Explore Enterprise Risk Management Together 
Charlotte Whatley
Cooperative Credit Union Assoication

Credit unions are increasingly expected to conduct numerous risk assessments, and it’s time for them to be tied together into a cohesive plan. An effective enterprise risk management (ERM) program can help a credit union manage risk and maximize opportunities. In simple terms, ERM is a way to effectively understand your credit union’s risks and how to manage risk throughout the credit union using an organized and common risk management framework.  In this session, attendees will learn what an ERM program is, how to create your risk categories; the benefits of, and the latest thinking on, building an effective ERM program.

1:00 p.m. - 2:00 p.m. | Lobby Level Meeting Rooms, 

Breakout Session:   (Professional Track)
Fintech: Friend or Foe 
Brian Kaas
CMFG Ventures, LLC

We know that disruption is occurring in financial services, but with all the hype in the market, it can be hard to know how to respond.  Are these startups disruptors or potential partners?  What do fintech startups mean for credit unions?  CUNA Mutual Group recently established its own venture fund, CMFG Ventures, to help address these questions.  This session will address fintech trends; how CMFG Ventures is seeking opportunities for credit unions in this new and innovative space, and how credit unions can become involved.

1:00 p.m. - 2:00 p.m. | Lobby Level Meeting Rooms, 

Breakout Session:   (Professional Track)
Adding a Data Strategy to Your Strategic Plan: Why your Member Data and Content is Holding Your Credit Union Back & How to Fix it in 2019 
Pasquale (Pat) Lapomarda
Michelle Smith
SilverCloud, Inc.
Learn why focusing on data quality and policy and procedure information directly impacts your productivity and bottom line. In this session, we’re bringing together industry data and content experts to help you build a strategic roadmap for how to achieve clean data and streamlined procedures in the coming year. Walk away with the tools, insights and step-by-step plan you need to start the conversation at your credit union and put your credit union on a path for growth.

1:30 p.m. - 2:45 p.m.  Lower Level,  Uncas Ballroom Salons B-D

Trade Show Refreshments

3:00 p.m. - 4:00 p.m. |   Lower Level,  Ballroom Foyer

Registration Refreshments

3:00 p.m. - 4:15 p.m. |   Lower Level,  Uncas Ballroom Salon A

General Session:
Economic Forecast: GrandPa Sure Can Run
Max Wolff
Phoenix Group

Overview: The round-upStimulus is nice while it lasts.  2017-2018:  We’re string because we stayed fused up on coffee and sugar - borrowed coffee and sugar (yum, yum, yum). The US was and stayed the place to be. The year 2019 will be harder and the political turmoil and uncertainty are no joke as well. How we did so well and how well we did. These, and other questions, will be addressed by national economist, Max Wolff, who adds, “What I expect - sorry but when grandma runs that fast you have to be a little worried!”

5:30 p.m. - 6:45 p.m. | Lower Level,  Uncas Ballroom Salons B-D

Welcome Reception with Exhibitors

7:00 p.m.

Dinner on your own

Thursday, October 11, 2018

7:00 a.m. - 8:15 a.m. |   Lower Level,   Uncas Ballroom Salons B-D

Trade Show

Continental Breakfast


7:00 a.m. - 6:00 p.m. |   Lower Level,  Ballroom Foyer  


8:30 a.m. - 10:00 a.m. |   Lower Level, Uncas Ballroom Salon A

Welcome Remarks 
Paul Gentile
Cooperative Credit Union Association


8:30 a.m. - 10:00 a.m. |   Lower Level,  Uncas Ballroom Salon A

Opening Session:
A Look at Politics in America

Andrew Card
National Endowment for Democracy (NED)
Former White House Chief of Staff (2001-2006)

With a still-struggling economy, a divided Congress and a number of hot-button issues on the national agenda, much is at stake for America’s future. Andy Card—who served as President George W. Bush’s Chief of Staff when he faced a divided Congress for part of his term—takes a penetrating look at today’s political climate and offers options for both parties to work together on important issues like immigration, education, tax policy, the economy and the other issues of our times.

10:00 a.m. - 10:30 a.m. |   Lower Level,  Uncas Ballroom Salons B-D

Trade Show


10:30 a.m. - 11:45 a.m. |   Lobby Level Meeting Rooms,   

Breakout Session:  (Volunteer Track)
The Keys to Optimizing Your Board in a Dramatically Changing World
Stuart R. Levine
Stuart Levine & Associates
Directors need to play a more dynamic role in a world that is dramatically changing.  Overseeing the strategic planning process, conducting board assessments, ensuring the right board, CEO and management talent and creating the right board culture is critical.  Staying focused to fulfill your duties as a board members and participating in a culture of trust to optimize your board, increase productivity and collaboration is key.  Action items and key takeaways will be provided as well as an opportunity for Q&A on specific board challenges and questions.

10:30 a.m. - 11:45 a.m. Lobby Level Meeting Rooms,   

Breakout Session:  (Volunteer Track)
Introduction to Hedging
Emily Hollis
ALM First Financial Advisors, LLC

With financial markets subject to substantial volatility, hedging and interest rate risk (IRR) management has evolved as a survival mechanism to adapting to the financial environment. As a depository engaged in the core banking business of financial intermediation, natural financial risks arise and hedging mitigates risks from interest rate volatility. In this session, we will define hedging and discuss fundamental hedging concepts.

10:30 a.m. - 11:45 a.m. |   Lobby Level Meeting Rooms,   

Breakout Session:  (Professional Track)

How to Compete as a Small Asset-Sized Credit Union:
Addressing Marketing and PR Challenges through Your Association
Candice Nigro
Cooperative Credit Union Association
Walter Laskos
Cooperative Credit Union Association
Isaiah Moskowitz
LTI Business Solutions

The number one challenge of a credit union marketer is not having enough time. For a smaller-asset sized credit union, it’s the number one challenge for every single department. What can you do when you feel like your marketing initiatives are always behind the curve?  When faced with limited time and a limited budget, are there any options available to help you survive?

This session will tap CCUA's Marketing Services in its effort to offer practical, time-tested solutions to the most challenging issues impacting a credit union's ability to achieve effective and successful results in marketing and public relations.

CCUA's Candice Nigro will discuss some of the common time wasters of credit union marketing plans and provide practical advice on how to overcome them. She will also offer an overview of the Association's Marketing Services Program and the efficiencies it can offer to credit unions of all asset sizes.

CCUA's Walt Laskos along with radio veteran and agency president Isaiah Moskowitz will provide insights on ways to maximize a credit union's advertising dollars and publicity efforts by discussing the Association's current Better Values - Better Banking campaign and its promotion of CU Senior Safeguard through radio, news coverage and community events.

Be sure to bring your marketing and PR challenges to what promises to be a lively and informative discussion, geared to enhance a credit union's community image and balance sheet performance.

10:30 a.m. - 11:45 a.m. |   Lobby Level Meeting Rooms, 

Breakout Session:  (Professional Track)
Trending Credit Union Legal Risks
Eric Richard
CU Counsel, LLC

Eric Richard, former General Counsel and Executive Vice President of CUNA and current principal at CU Counsel, will provide an overview of the latest litigation facing credit unions across the country and provide attendees with areas of their business to evaluate to help avoid unnecessary litigation in the current environment.

11:45 a.m. - 1:00 p.m. |   Lower Level,   Uncas Ballroom Salons B-D

Trade Show

Lunch Buffet

1:00 p.m. - 2:00 p.m. | Lower Level,  Uncas Ballroom - Salon A

General Session: 
NCUA Update

The Honorable J. Mark McWatters

1:00 p.m. - 5:00 p.m.  
The bus departs from the Hotel Valet Area of Mohegan Sun Resort at 1:00 p.m. following lunch and departs Mystic Seaport at 4:30 p.m. returning to Mohegan Sun Resort at 5:00 p.m. 

Guest Program Activity:
Mystic Seaport Museum/Village

Pre-registration is required.

Mystic Seaport Museum/Village
Board a luxury bus with your friends and set off on a journey to explore the history of New England’s maritime past at Mystic Seaport Museum and Village.

Mystic Seaport Museum is the nation’s leading maritime museum. Founded in 1929 to gather and preserve the rapidly disappearing artifacts of America’s seafaring past, the Museum has grown to become a national center for research and education with the mission to “inspire an enduring connection to the American maritime experience.”

The Museum’s grounds cover 19 acres on the Mystic River in Mystic, CT and include a recreated New England coastal village, a working shipyard, formal exhibit halls, and state-of-the-art artifact storage facilities. The Museum is home to more than 500 historic water craft, including four National Historic Landmark vessels, most notably the 1841 whaleship Charles W. Morgan, America’s oldest commercial ship still in existence.

The Museum hosts 284,000 visitors annually and has an active membership base of 14,000 from all over the United States and the world.

Stroll Through a Recreated 19th-Century Seafaring VillageLooking for the latest styles in hoop skirts and haberdashery? Stroll through the recreated seafaring village, comprised up of dozens of real New England buildings staffed with historians, musicians, storytellers and craftspeople who bring our seafaring past to life.

The buildings you see aren’t replications–they’re trade shops and businesses from the 1800s that were transported to Mystic Seaport from locations around New England. The village is made up of many bustling maritime trades, from ship smiths and coopers to woodcarvers and riggers. Discover how America’s maritime past shaped life today.

Guest Price
The price per registered guest is $40 and includes bus transportation to and from Mystic Seaport and general admission to the Mystic Seaport Museum/Village. The bus departs from hotel valet area of Mohegan Sun Resort at 1:00 p.m. following lunch and departs Mystic Seaport at 4:30 p.m. returning to Mohegan Sun Resort at 5:00 p.m. Space is limited on a first-come, first-served basis up to 54 passengers.

2:15 p.m. - 3:30 p.m. Lobby Level Meeting Rooms,   

Legislative/Regulatory Breakout Session:
Delaware and New Jersey Update

Christopher Pippett
Fox Rothschild, LLP


2:15 p.m. - 3:30 p.m. |   Lobby Level Meeting Rooms,   

Legislative/Regulatory Breakout Session:
Massachusetts Update

Terence A. McGinnis
Massachusetts Division of Banks
Michael A.Costello
Smith, Costello & Crawford, Public Policy Law Group

2:15 p.m. - 3:30 p.m. |   Lobby Level Meeting Rooms,   

Legislative/Regulatory Breakout Session:
New Hampshire Update

Gerald "Jerry" Little
New Hampshire Banking Department
David Collins
RYP Granite Strategies


2:15 p.m. - 3:30 p.m. Lobby Level Meeting Rooms,   

Legislative/Regulatory Breakout Session:
Rhode Island Update

Melanie Aragao
Rhode Island Department of Banking Regulation

3:30 p.m. - 4:00 p.m. |   Foyer Meeting Rooms


4:00 p.m. - 5:15 p.m. Lobby Level Meeting Rooms,    

Breakout Session:  (Volunteer Track)
Cannabis Control Commission Update
Steven Hoffman
Massachusetts Cannabis Control Commission

“The Cannabis Control Commission’s Chairman and Executive Director will provide an update on the current status of the Adult Use and Medical Marijuana industries in Massachusetts and how we’ve gotten here. They will talk about the future evolution of the industry, goals and metrics, key challenges that they are facing and how the Commission plans to respond to those challenges.”

4:00 p.m. - 5:15 p.m. |   Lobby Level Meeting Rooms,   

Breakout Session:  (Professional Track)
Bureau of Consumer Financial Protection (BCFP) Advocacy Update
Daniel Smith
Office of Financial Institutions & Business Liaison, Bureau of Consumer Financial Protection

The CFPB recently re-branded itself as the Bureau of Consumer Financial Protection (BCFP). As one of many changes underway in a period of transition, this session will provide insight into pending and upcoming initiatives with emphasis on a discussion about key topics such as small dollar loans, mortgage lending, appraisals, consumer complaints, overdrafts, elder financial abuse and more. Lend your voice to help shape the dialogue and share the work, challenges and vision of your credit union and members. Make an impact.

4:00 p.m. - 5:15 p.m.  Lobby Level Meeting Rooms,   

Breakout Session:  (Professional Track)
Drive Younger Generation Membership Growth by Giving Them Their Ultimate Desire
Todd Romer
Young Money Media / Young Money University

For credit unions, the not-for-profit status, lower fees and rates, mobile banking features and other standard benefits of membership will not be enough for Millennials and Generation Z to join versus going to your competitors. To drive new and sustainable membership growth among this market, Todd will share with you how to give them what they ultimately desire: RELEVANT FINANCIAL SUCCESS CONTENT and a REAL ACTION PLAN to save, spend, manage and invest money differently to begin living a life that fits their dreams.  You will leave with a simple and powerful way to market to younger generations that any size credit union can successfully implement.  

4:00 p.m. - 5:15 p.m. |   Lobby Level Meeting Rooms,   

Breakout Session:  (Professional Track)
Current Expected Credit Losses (CECL): Measurement of Credit Losses on Financial Instruments
Eric Barger
MorganFranklin Consulting (MFC) - Accounting and Transaction Services
Anna Johnson
MorganFranklin Consulting (MFC) - Accounting and Transaction Services

The Financial Accounting Standards Board (FASB) issued the final current expected credit loss (CECL) standard on June 16, 2016. This session will focus on understanding the operational, accounting and financial reporting efforts required to comply effectively with the new credit impairment standard and will include case studies.

6:00 p.m. - 7:00 p.m. |   Lower Level,   Ballroom Foyer


7:00 p.m. |   Lower Level,   Uncas Ballroom Salons A-C

Awards / Dancing / Entertainment 

Friday, October  12, 2018

7:30 a.m. - 9:00 a.m. |   Lower Level,   Uncas Ballroom Salon B


7:30 a.m. - 9:00 a.m. |  Abenaki Room 

Breakfast - Rhode Island Update
Rhode Island Credit Unions Only
Richard Beretta, Jr.
Adler, Pollock & Sheehan, P.C.

9:00 a.m. - 10:15 a.m. Lobby Level Meeting Rooms,   

Breakout Session:  (Volunteer Track)
Elder Financial Abuse: Scams and Schemes
Sunny Mulligan Shea
New Hampshire Attorney General's Office 

Scams are abundant and our older citizens are the target of many of the scams.  IRS scams, romance scams, grandparent scams, lottery scams, Tech Support scams and more.  Just when we think we have seen it all, a new scam comes along.  Hear about the scams we are seeing but more importantly learn about ways to recognize a scam and how to protect a member, yourself, a friend, neighbor, or a family member.

9:00 a.m. - 10:15 a.m. |   Lobby Level Meeting Rooms,   

Breakout Session:  (Volunteer Track)
New England Economic Update
Jason Hwang
Federal Home Loan Bank of Boston

In this strategic and business planning season, what are the key economic opportunities and challenges in the years ahead?  Is the strong growth in national output likely to continue?  Is the yield curve signaling a recession in the near term?  Which industries are driving growth in the New England region?  Will the tight labor market and slow projected growth in labor force constrain future growth in our region?  Jason will address these questions and provide a perspective on the national and regional economy.  As the economic environment changes, credit unions face the challenge of prudent liquidity management.  Jason will discuss how credit unions have been using the Federal Home Loan Bank of Boston as an important part of liquidity and interest rate risk management.  

9:00 a.m. - 10:15 a.m. Lobby Level Meeting Rooms,   

Breakout Session:  (Professional Track)
Plastic Fraud Update
Karen Postma
As the way our members interact and transact with our services has changed so has fraud. When new control come into effect it pushes the fraudsters to look for the next opportunity. How do we stay one step ahead?  Where are the next schemes going to focus?  Technology has allowed us to become smarter and react quicker but how do we balance service and protection? These are questions many credit unions are asking themselves. This session will provide expert opinion to solve these and other threats credit unions are facing.

9:00 a.m. - 10:15 a.m. |   Lobby Level Meeting Rooms,   

Breakout Session:  (Professional Track)
Reality Fair For Adults: Retirement Fair Simulation
Mark Lynch
CU Difference

Numerous statistics demonstrate that most Americans are not prepared for their retirement.  Many people haven’t saved enough, don’t know exactly how much they need to save and don’t know at what age they will be able to afford to retire. Most haven’t given any thought to the type of lifestyle they want to live in retirement and don’t have any idea how much it will cost to sustain their chosen lifestyle. Many credit union members and potential members fit this profile. The Retirement Fair is designed to position credit unions to be able to help members better prepare for their retirement.  Come an participate as your members would and experience for yourself the value of ‘retirement reality’!

10:15 a.m. - 10:30 a.m. Lower Level,   Ballroom Foyer


10:30 a.m. - 12:00 p.m.  Lower Level,   Uncas Ballroom Salon A

Annual Meeting