Checking Account Fraud
   
  Checking account fraud is one of the fastest growing crimes in the nation,
according to law enforcement officials.
The Federal Reserve estimates that losses resulting from this crime will hit $10 billion this year.

New technology is a prime reason for the rapid growth of this crime. Inexpensive computer programs, scanners and improved printers and copying technology make it easier than ever for thieves to set up a fraudulent check sting.

Your bank has initiated training programs and other safeguards to help prevent and detect check fraud. But as is often the case, one of the first lines of defense against fraud is you – the consumer.
   
  A CHECK FRAUD CHECKLIST
   

1

Never respond to unsolicited requests for your checking account, social security or other financial information.
   

2

Safeguard checks at home and on your person; never leave them in your car or workplace.
   
3 Shred unused checks before disposal, even if they are from a closed account.
   
4 Destroy convenience checks, such as those that allow cash advances on credit cards, before discarding.
   
5 Never have your social security or drivers license number preprinted on your checks.
   
6 When mailing checks, use a heavy envelope or wrap checks in paper to conceal them from view.
   
7 Notify your bank and postal authorities if newly ordered checks or routine bank statements don’t arrive in a timely manner.
   
8 Know how many checks you ordered; verify your order and the accuracy of the information on your checks.
   
9 Immediately notify your community bank and file a police report if personal checks, or any checks payable to you, are stolen and close compromised accounts.
   
10 Check your balance frequently and promptly review and reconcile checking account statements for accuracy and fraud.
   
11 Consider shopping elsewhere if the merchant requires your social security number to make a purchase.
   
12 If you live in a state that uses your social security number as your driver’s license number, request an alternative random number.
   
  ADDITIONAL INFORMATION ABOUT CHECK FRAUD IS AVAILABLE FROM THE:
  National Check Fraud Center at www.ckfraud.org or 843-571-2143
Office of the Comptroller of the Currency at www.occ.treas.gov
   
  © 2003 America’s Community Bankers
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Program Content

ACB Presents Great Speakers to Inform, Inspire, Educate and Entertain You


Ted Koppel – Insight Spanning the Decades
News Anchor, Columnist & Writer

Ted Koppel, one of the most respected anchors in the news business, said goodnight to Nightline and began a new phase of his distinguished career. He is managing editor for The Discovery Channel where he continues to give in-depth reporting on global issues. He is also a contributing columnist for the New York Times and gives regular commentary on National Public Radio. Mr. Koppel has won every major broadcasting award, and is now winning new fans for his thoughtful commentary on the lecture circuit.
 
James Bradley – Accomplishing the Impossible
Best Selling Author

James Bradley will tell you about heroes who achieve the impossible through leadership and teamwork. Mr. Bradley burst onto the national scene as an author with his New York Times #1 bestseller, Flags of Our Fathers, the story of the six boys who raised the American flag on Iwo Jima. The Times called it “the surprise runaway nonfiction best seller of the season.” Steven Spielberg acquired the movie rights. Clint Eastwood is directing Flags of Our Fathers for a late 2006 release. For Mr. Bradley, this is a personal story. His father, John Bradley, was one of the six flag raisers on Iwo Jima. Bradley’s second book, FLYBOYS, also a New York Times bestseller, is the secret story of eight American flyboys who were beheaded on the island next to Iwo Jima in World War II, and the ninth who escaped. His name is George H. W. Bush.
 
An ACB Political Debate Between Bill Kristol And Mike McCurry
You can call it Point/Counterpoint, Crossfire or Crosstalk. We call it a debate between two of the sharpest political minds in Washington on the 2006 elections, prospects for 2008, and where this country is headed at home and abroad.
 
William Kristol
Best Selling Author & Former Political Appointee

William Kristol is one of the nation’s leading political analysts and commentators. He regularly appears on FOX News Sunday and the FOX News Channel. As an advocate for a strong American foreign policy, he has been a leader in that debate since September 11th, and continues to drive the conversation as coauthor of New York Times bestseller, The War Over Iraq. He is the editor of the influential Washington-based political magazine, The Weekly Standard, which he started. Mr. Kristol was Vice President Dan Quayle’s chief of staff and chief of staff to Secretary of Education William Bennett during the Reagan administration.
 
Michael D. McCurry
Partner, Public Strategies Washington, Inc. & former White House Press Secretary

Mike McCurry sparred daily with the White House press corps as President Clinton’s press secretary from 1995 to 1998. He was a State Department spokesman and director of communications for the Democratic National Committee. Mr. McCurry is a veteran communications strategist and spokesperson with nearly three decades of Washington experience. Today he provides strategic communications counsel to an impressive roster of corporate and non-profit clients.

Other Key Speakers
The Honorable Ben S. Bernanke
Chairman, Board of Governors of
The Federal Reserve System,
Washington, DC
Gary Lewis Evans
President & CEO, Bank of
Internet USA, San Diego, CA
   
The Honorable John M. Reich
Director, Office of Thrift Supervision,
Washington, DC
F. Weller Meyer
ACB Chairman and Chairman,
President & CEO, Acacia Federal
Savings Bank,
                            Falls Church, VA
   
The Honorable John C. Dugan
Comptroller, Office of the
Comptroller of the Currency,
                            Washington, DC
Mark E. Macomber
ACB First Vice Chairman and
President & CEO, Litchfield Bancorp, Litchfield, CT
   
Mark T. Doyle
Chairman, President & CEO,
Second Federal S & L
                            Association,
                            Chicago, IL
Diane Casey-Landry
President & CEO,
America’s Community Bankers,
                            Washington, DC
   
Paul M. Pantozzi
Chairman & CEO
The Provident Bank
Jersey City, NJ
Barbara Rehm
Assistant Managing Editor
American Banker
Washington, DC
 
   
The Honorable Sheila C. Bair
Chairman
Federal Deposit Insurance Corporation
Washington, DC
 

Concurrent Sessions
Solution Sessions for Today’s Community Banking Issues

Seeking solutions to tough issues impacting your bottom
line? Come explore our topic focused, interactive
concurrent sessions highlighting Innovation & Growth
Strategies, Risk Management & Governance, and Hot
Topics.

Innovation & Growth Strategies

Client Acquisition & Retention Through Product Mastery
Attracting and retaining profitable clients remain a constant challenge for community bankers, especially in current market conditions. Learn how to enhance your staff’s product knowledge and transform more service occasions into sales opportunities.
Margie Kensil, Senior Vice President, Director of Strategic Sales and Service, Omega Performance Corporation, Charlotte, NC
Denise Wilson, Vice President, Director of Opportunity, Capital City Bank, Tallahassee, FL


Investment Portfolio Growth Strategies
Rising bond yields offer attractive options for asset managers as economic growth softens and the Fed nears the end of a tightening cycle. Join Market Strategists from Stifel Nicolaus to discuss the alternatives available to banks in an environment where yields on bond investments are rising and moving closer to those earned on loans. The Strategists will offer information that you may use to determine the allocation of funds to loans or investment portfolios.
James DeMasi, First Vice President, Stifel Nicolaus & Co., Inc., Baltimore, MD

How to Effectively Access the Capital Markets
Optimal capital structures are key for growth. Hear
the macro review of today’s capital markets, key market
trends, and investor interest in bank equity and debt
securities. Plus, review capital structures and how they
can optimize your balance sheet. Learn how to raise
capital through public offerings or private placements.
Allen G. Laufenberg, Managing Director, Stifel Nicolaus & Co., Chicago, IL

Know What De Novo’s Know
More than 200+ new banks have sprouted up in the U.S. since 2005. Where are they, what business opportunities do they see, and why are investors and customers flocking to them? Learn how highly engaged directors are a critical differentiator. Focus on how established bankers and de novos can glean valuable lessons from the new breed of entrepreneurs.
James F. Montgomery, Chairman of the Board, Frontier Bank, FSB, Sherman Oaks, CA
Donald J. Musso, President, FinPro, Inc., Liberty Corner, NJ

Risk Management & Governance

How Does Your Bank’s Corporate Governance
Stack Up?

Corporate governance experts discuss best practices
and latest trends in critical areas, including succession
planning, board evaluation, board committees, internal
investigations and internal controls.
Paul M. Aguggia, Chairman, Muldoon, Murphy & Aguggia, LLP, Washington, DC

Keys for Effective Enterprise Risk Management
Top performing community banks understand the key
role that an effective ERM program can have in allowing
their banks to minimize losses and maximize their bank’s earnings. Learn the keys to developing an effective ERM system at this highly interactive session.
William A. Markel, CPA
Executive-in-Charge—Financial Institutions Group, Risk Management Practice, Crowe Chizek & Company, LLC, Oakbrook, IL


Disasters (Avian Flu, Hurricanes, and Earthquakes, etc.) Impact Your Bottom-line
Discuss natural disasters and their differing risks.
Preparation, responsiveness, and recovery – all key to
maintain customer service. Hear how to address
business continuity, supporting remote workers, and
emergency communications. Learn to demonstrate
leadership, empathy, and competence to reduce employee and customer anxiety.
Anthony Lowe, Deputy Regional Director for Risk Management, Federal Deposit Insurance Corporation, Dallas, TX
Dr. Toby Merlin, Center for Disease Control, Atlanta, GA

Phishing, Spoofing, Cyber Scams, Man-in-the-Middle,
Breaches: What’s Next?

Anticipating new trends in cyber-fraud is like preparing
for the unknown. Experts predict future threats and how
banks are being targeted. Proactive banks impart lessons learned to minimize falling prey to these attacks and how to respond effectively to customers and the media if a breach crisis arises.
Gary Lewis Evans, President & CEO, Bank of Internet USA, San Diego, CA
Thomas J. Harkins, Chief Operating Officer, Edentify, Inc, Bethlehem, PA
Lawrence Levine, Managing Director & Co-Founder, SecurePipe, Inc., Troy, VA
Anthony Lowe, Deputy Regional Director for Risk Management, Federal Deposit Insurance Corporation, Dallas, TX

Hot Topics

Compensation: Strategies for Engaging &
Retaining Talent

You must find and retain top talent in today’s competitive market. Creating a compensation strategy to reinforce your bank’s objectives requires solid, competitive data. Hear success stories from banks and put ACB’s state-of-the-art compensation survey to work for you.
Shirley E. Broder, President, Broder & Associates, Vienna, VA
Angelo Kostopoulos, CEO, Akron, Inc. Washington, DC
William A. Donius, Chairman & CEO, Pulaski Bank, St. Louis, MO


E-Marketing: Effective Trends and Techniques
Learn how to integrate effective electronic
marketing activities to meet your bank’s strategies and
goals. See specific examples of best practices in web site design, e-newsletters and e-mail marketing techniques. Plus, find out how to track results.
Evelyn Ehrlich, President, EC Communications, New York, NY
Chris Lehtonen, Executive Creative Director, Asterix Group, Portland, OR


What’s Hot on the Regulators’ Radar?
Topics covered include: recent pronouncements from regulators on commercial real estate lending and alternative mortgage products, risk-based deposit insurance premiums, Basel capital proposals, what to expect in your upcoming examination and much more.
Scott Polakoff, Deputy Director, Office of Thrift Supervision, Washington, DC
Sandra Thompson, Acting Director of Supervision, Federal Deposit Insurance Corporation, Washington, DC

Dealing with Activist Shareholders
Activist shareholders or investors have become much more aggressive in their dealings with community banks of all sizes. Find out how experts recommend addressing different types of activism, including proxy battles, publicity campaigns, litigation, and negotiations with management.
Douglas P. Faucette, Partner, Lord Bissell & Brook LLP, Washington, DC

Guest Program

A New Age
We hear a new image of aging is emerging ... but is it really, and how can we all capture its essence? Is it something we can buy off the shelf? Does it involve technology and medical breakthroughs? Will it be merely a mindset and lifestyle? Absolutely .... to all the above. Join us as we journey through this new life stage and explore the real truth about what it takes to embrace every stage of life. Back by popular demand, Gerontologist, Author, and Speaker, Kelly Ferrin will present an enlightening, engaging and entertaining program that will again leave you believing age is just a number.

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