• New and anticipated developments from OSFI: Key industry-wide issues and strategies for compliance
• Risk management under the new Supervisory Framework: Operating in the reality of new Basel and IAIS core principles, in addition to required assessment of liquidity for FRIs as a whole
• Understanding and managing the expectations of OSFI in interpreting new regulations to reduce the incidence of sanctions and other penalties
• Compliance lessons learned: Best practices from the past year to ensure continued successes on the path towards bolstering economic growth
• Fine tuning internal policies to meet compliance demands in a timely and cost eff ective manner
• What are the parameters and implications of the 5-year government review anticipated to roll out in 2012?
• Updated outsourcing requirements: How OSFI is administering the regulations and what are the anticipated changes?

• What are FINTRAC’s expectations and priorities for the coming year?
• Bullet-proofing your forensic fraud analysis and reporting systems:
  • Instituting enhanced due diligence for high risk customers
  • Ensuring expedited access to up-to-date Politically Exposed Foreign Persons lists
  • Identifying PEFPs among your clientele
  • Implementing an action plan to identify and address suspicious transactions
  • What are FINTRAC’s expectations for reporting fraud?
• Understanding the direct implications on FIs of Freeze Orders and other measures related to Libya, Egypt and Tunisia
• Know Your Customer: Managing increasing controls to prevent identity theft fraud, money laundering and terrorist financing:
  • Special considerations when dealing with PEFPs
  • Identification requirements and proper validation of ID when entering new relationships to ensure compliance
  • Catching up to technology
• What are the implications of tax evasion as a predicate offence for money laundering?
  • Checklist of top indicators used to detect suspicious transactions related to tax evasion

• Guidebook to building a prudent compliance framework:
  • Assessing your current capabilities and functionality
  • How to identify when an enterprise-wide risk system is too broad to satisfy the wide gamut of compliance directives
  • Recruiting qualified staff to properly execute internal policies
• Risk management to reduce the incidence and impact of sanctions:
  • Understanding the obligations of FIs, and whether the size of your organization will or should affect protocol and the response from the regulators
  • Leading principles in compliance with sanctions regimes
  • Update and review of recent administrative monetary penalties levied
• Best practices in administering and executing self-assessments and in dealing with audits
• Developing a tailored metrics process: When should you use consultants to assess and audit the effectiveness of your unique AML compliance programs

• Review of recent cross-Canada developments in Privacy: Managing the expectations of the commissioners
• Fighting Internet and Wireless Spam Act:
  • Overview of the proposed new anti-spam law
  • Complying with your obligations under the new legislation
  • Risk management to reduce the incidence of default and the accompanying penalties
• Balancing your right to collect information against privacy concerns across multiple channels, including telephone, online and other non face-to-face transactions
• Understanding the emerging privacy concerns that accompany the rise of new technologies
• Case Study - The Cloud Reality: Reconciling PIPEDA and the expanded government powers under the U.S. Patriot Act, while overcoming the risks of storing data in foreign based cloud provider
• Practical strategies to manage challenges with transfers of personal information to third parties
• How are the Guidelines for Processing Data Across Borders being applied and future challenges?
• Preparing your organization for the national mandatory breach notifi cation obligations:
  • When and how will the proposed amendments to PIPEDA under Bill C-29 be resurrected?
  • What can be learned from the Alberta experience?

• New developments from the FCAC: Forecast for 2011 and beyond
  • Negative Option Billing Regulations: Fulfilling your obligations to ensure that products are offered on an opt-in basis only, with suffi cient disclosure to consumers about the terms and conditions prior to acceptance
  • Access to Funds Regulations: Ensuring compliance with reduced maximum cheque hold periods, and timelier access to funds deposited by cheque
• Understanding how to navigate the anticipated changes by the FCAC to its regulatory framework
• Discharging your compliance duties through the use of plain language:
  • What are the FCAC expectations under the clear language project?
  • Clarifying the Clear Language and Presentation Principles and Guidelines
  • Practical interpretation of the guidelines to shape your business practices
• Q&A with the FCAC

• Developing and implementing a cost-effective corporate compliance framework from the ground up:
  • Defining levels of authority to expedite corporate decision-making at all stages
  • Assessing the essential elements of an Enterprise Resource Planning (ERP) system: What works best?
  • Establishing a structure for technology development to manage the challenges of growing software and social media options
  • Understanding when to outsource and how to do it effectively
  • Selecting staffing and monitoring controls appropriate to the size of the institution
• Tracking and rating program effi ciency: Choosing a metrics system to critically evaluate the successes and failures of your internal structures and guard against penalties for non-compliance
• Managing the Regulators:
  • What is the role of examiners?
  • What is the scope of an examination?
  • Developing procedures to respond effectively to regulatory inquiries and examinations
  • Knowing when you must conduct an internal investigation, and who should be involved
  • Tools to stay abreast of the latest legislative and procedural changes to remain compliant and be ready for examinations
  • How can an investigation be used to the company's best advantage?

• Taking advantage of the significant opportunities available under the federal charter option:
  • Update on the status of the proposed amendments to the Bank Act
  • Teasing out key governance issues, including organization, membership, issuance of shares, and others
  • Incorporation or continuance for Federal credit unions: Conducting a risk/benefit analysis to make an informed choice
• New developments from the CUCC:
  • Policy priority update: Advocacy and direct engagement initiatives as part of the Crown Financial Institution Strategy
  • Increasing your CSR profile through the Credit Union social responsibility InfoHub
• Best practices: Keeping pace with the Big 5, while operating within the realities of smaller organizations
• Reaping the rewards of customer satisfaction and retention by adherence to the voluntary code of practices
• Knowing when to ask for help: Assistance with stabilization and supervision to face financial and other difficulties head on
• Establishing an internal check-list for painless audits
• Case Study: Developing a sustainable business model for continued growth at the community level and advancements in lending to small and medium-sized businesses - Tracking the recent record growth of Coast Capital Savings
• Q&A with the Panelists

• What is on the horizon for regulatory compliance for FIs across international borders?

Key International Statutes: Discharging Compliance Obligations

Peter Dent
Partner, National Practice Leader, Forensic & Dispute Services
Financial Advisory, Deloitte & Touche LLP

James Klotz
Partner
Miller Thomson LLP

• Dodd-Frank Act: Gauging the effect on Canadian institutions of this omnibus financial reform law
  • Overview of the legislative provisions
  • Guarding against the potential for increased power by the SEC to reach across borders
  • Challenging the ban on references to credit ratings to facilitate the adoption of Basel III, the new international capital and liquidity standards
• Monitoring the increasing presence of Canadian FIs in the U.S. market: What are the hallmarks of a successful and compliant entry into the U.S.?
• Comparison of domestic and foreign anti-bribery/anti-corruption statutes: What do they mean to Canadian regulated entities?
  • What are the implications of the move towards relaxation of burdensome elements in the UK Bribery Act?
• Q&A with the Panelists

FATCA: An Overview of the Provisions and the Impact on FIs

John M. Staples
Burt‚ Staples & Maner LLP

Ann Noges
Director, Tax Advisory Group
RBC Taxation, Royal Bank of Canada

• FATCA, the U.S. Foreign Account Tax Compliance Act: How will your business practices be impacted?
  • Overview of the requirements under FATCA to set the baseline
  • What is the expected scope and effect of the legislation?
  • Practical implementation tools and compliance guidelines
  • Strategies for compliant client identification: Defining the parameters of the extensive information requirements and knowing what must be disclosed to the IRS to preserve open access to U.S. markets
  • The future of FATCA: Lobbying efforts by Canada and internationally to reduce the law's substantial administrative burden
  • Managing the impact on smaller banks: What are your options in the reality of insufficient funds or staff to comply?