Vice President of Legislative and Regulatory Affairs, Charles Schwab
Scott Eckel joined Charles Schwab as Vice President of Legislative & Regulatory Affairs in 2012. Prior to joining Schwab, he was a senior policy advisor to U.S. Representative Scott Garrett. In that role, he handled a portfolio of issues related to Congressman Garrett’s capacity as Chair of the Capital Markets Subcommittee, including market structure, systemic risk, and other financial services regulatory reform issues during the Dodd-Frank legislative and implementation processes. Scott also previously worked as a senior legislative assistant to U.S. Senator John Sununu, and was the Director of Federal Affairs for The New England Council.
Corporate Vice President and Director, International Research, LIMRA and LOMA
Larry Hartshorn is responsible for driving LIMRA and LOMA member value and growth for global markets. This includes the development and execution of LIMRA’s international research strategy to provide insights on trends in products and distribution, consumer behavior and sentiment, and regulation and technology for markets throughout the world. He also leads the global consulting program across the enterprise, ensuring our members can leverage our deep knowledge of best practices in the global insurance industry, gain practical solutions, and receive hands-on tactical support to solve problems and implement a variety of projects.
Prior to joining LIMRA in 2015, Larry was Aetna’s executive director for Greater China in Shanghai. His responsibilities included strategic planning, research, management operation and consulting. Larry also previously served as research program manager for The Ohio State University, managing a multi-million dollar cluster of private, state, and federal grants targeting primary, secondary and higher education curriculum reform.
Cybersecurity Lead, Technology Controls Program
Office of Compliance Inspections and Examinations
, U.S. Securities and Exchange Commission
Chris has over 20 years of experience in cybersecurity, risk management, and regulatory compliance. Prior to joining the SEC in 2015, he led the Ernst and Young (EY) Wealth and Asset Management Sector Cybersecurity practice. His team advised and delivered cybersecurity and risk management capabilities across major clients in the investment management industry. In addition to leading the practice, Chris served as a senior advisor to a wide range of c-level executives, including Boards of Directors, Audit Committees, Chief Risk Officers, Chief Operating Officers, Chief Information Officers, and Chief Information Security Officers. Prior to joining EY, Chris was the Chief Information Security Officer (CISO) at GE Capital, where he was responsible for the global Cybersecurity program. He led an organization that included security management, application security, third party security risk management, incident response, threat and vulnerability management, penetration testing, cyber intelligence, operations and security architecture. Prior to GE Capital, Chris led global information security risk and compliance programs for Citigroup that successfully reduced information security risk while enabling the business.
Senior Advisor to the Secretary of the Treasury Deputy Assistant Secretary for Retirement and Health Policy, U.S. Department of the Treasury
In his current roles, Mark’s portfolio includes retirement and savings policy, implementation of the Affordable Care Act, other employee benefits and compensation issues, and related policy, legislative, rulemaking, and regulatory activities. During his career, Mark has provided policy advice to numerous senators, representatives, and staff on both sides of the aisle, and to five Presidential campaigns. He has been centrally involved in developing or orchestrating many expansions, simplifications, and other improvements of the nation’s pension and benefits systems, law, and regulatory framework. Mark recently received the Retirement Income Industry Association Award for innovation in retirement income products and the Government Partner Award of the American Payroll Association. He has also been recognized for his considerable expertise and influence by numerous publications. Mark was previously a nonresident senior fellow at the Brookings Institution, a research professor at Georgetown University, a partner in the law firm of Covington & Burling, of counsel to the law firm of Sullivan & Cromwell, a principal of the Retirement Security Project, and the Treasury Department's benefits tax counsel.
President and Chief Executive Officer, LIMRA, LOMA, and LL Global, Inc.
Bob Kerzner leads the world’s largest association of life insurance and financial services companies. The combined organizations have over 1,200 members in more than 64 countries, including most of the world’s largest life insurance companies. Before joining LIMRA in 2004, Kerzner was executive vice president and head of the individual life division of Hartford Life, Inc. After spearheading the acquisition of Woodbury Financial Services, a national broker-dealer organization with more than 1,800 independent representatives, Kerzner also served as president of Woodbury. Kerzner’s career with The Hartford spanned 30 years from 1974 to 2004.
Lawrence Kosciulek is responsible for administering and interpreting the rules relating to investment companies and variable contracts, and working with FINRA Board Advisory Committees in developing policies and procedures regarding investment companies regulations. He served in the same capacities at NASD before its 2007 consolidation with NYSE Member Regulation, which resulted in the formation of FINRA.
Lawrence is Liaison to the Independent Dealer/Insurance Affiliate Committee, a FINRA Board Advisory Committee. He has also assisted in the creation of various publications, including Notice to Members NtM 95-80 (Mutual Fund Sales Practices), NtM 99-35 (Variable Annuity Guidelines), NtM 99-55 (Q&A – Non-Cash Compensation), NtM 00-44 (Variable Life Insurance Guidelines), Regulatory Notices 09-32 and 10-05 (Deferred Variable Annuities) and Regulatory Notice 09-42 (Variable Life Settlements). He began his career in 1976 in the Chicago District Office of NASD before transferring to NASD’s home office in Washington, DC, in 1994.
1:15 pm - 2:15 pm: GENERAL SESSION 1: KEYNOTE SPEAKER
Elizabeth McCormick
Motivational Leadership Success Speaker
Prepare to be inspired! As a US Army Black Hawk pilot, Elizabeth McCormick flew command and control, air assault, peacekeeping, and top-secret intelligence missions — and transported high-level government VIPs. She has translated these extreme experiences into relatable lessons you can put into immediate action. Her personal development book, The P.I.L.O.T. Method; the 5 Elemental Truths to Leading Yourself in Life, is a must read. Elizabeth has also received the Meritorious Service Medal for her excellence in service, and was awarded the US Congressional Veteran Commendation for her commitment to serving her country and community as a disabled veteran.
Larry works with LIMRA member companies to reduce their regulatory risk, including serving as an expert witness on product suitability, supervision, and supervisory controls. He is an insurance, securities, and advisory professional with nearly 40 years of experience. Larry acted in a principal capacity in a variety of insurance company business units including life policy administration, variable annuity new issue, field office inspections, and broker-dealer compliance and investment advisor compliance. He spent most of his career at John Hancock, where he held over 15 separate positions during his 25 years, progressing to Chief Compliance Officer of its U.S. retail FINRA broker-dealer and SEC Registered Investment Advisor, Signator Investors, Inc.
Alfred Redmer, Jr. was reappointed as Maryland Insurance Commissioner in January 2015. He previously served as Commissioner from June 2003 until October 2005. Al also represents the state’s interests as part of the National Association of Insurance Commissioners. Before his reappointment, Al managed Redmer Insurance Group, LLC, and owned Redmer Financial Group. His business experience includes time as partner and president of Landmark Insurance & Financial Group and as chief executive officer of Coventry Health Care of Delaware Inc. Al also represented Baltimore County in the Maryland General Assembly for 13 years. During that time he served two years as the House Minority Leader. Throughout his career, he has stayed involved in numerous community and nonprofit organizations.
Vice President & Counsel, External Affairs & Investigative Services, John Hancock Financial Services
Tom Samoluk supervises John Hancock’s federal and state government relations. In this role he is the primary liaison with members of Congress and Congressional staff on federal legislation, manages John Hancock's Washington-based consultants, and coordinates relations with the company's industry trade associations. Tom also supervises John Hancock's Communications team, including media relations and employee communications; Community Relations; and Investigative Services. Tom is a former Massachusetts Assistant Attorney General and a former Assistant District Attorney in Middlesex County, Massachusetts. In the mid 1990s he served as the Deputy Director of the President John F. Kennedy Assassination Records Review Board, an independent federal agency that was responsible for the review and public release of classified records on the assassination, which are now housed at the National Archives.
Drawing on her real life experiences as a U.S. Army Black Hawk
helicopter pilot, Elizabeth uses humor to share the leadership
lessons learned from flying a helicopter to today’s business and life.
You will be inspired to soar, and learn techniques to
Improve your focus to achieve goals no matter what is
happening around you
Apply a concise formula of leadership principles to elevate
your influence
Lead from where you are, guiding others to climb to a higher
level of success
How will your advertising be impacted by the DOL's fiduciary rule, changes to FINRA Rule 2210, and requirements for websites to link to BrokerCheck? And how can we effectively address the advertising issues presented by an increasingly digital and multicultural world? Our panel of experienced advertising compliance professionals will tackle these topics and more - including your questions - from insurance and broker/dealer perspectives.
JOE D’ALESSIO, Director, U.S. Insurance Compliance, John
Hancock Financial Services CHAD HENDERSON, Director,
Compliance, Prudential Financial Moderator: CAROL STILLWELL,
ACS, PCS, Director of Supervision, Northwestern Mutual
Identifying and stopping financial abuse of seniors and those
with diminished capacity is important to all of us. Join us for an
interactive discussion of how insurance companies are addressing
this risk. We’ll discuss:
What financial abuse is,
What insurance companies are doing to identify and
address it, and
REINALDO CARVAJAL, Director, Special Investigative Unit,
Genworth Financial RICK MATARANTE, Assistant Vice President, Special
Investigations Unit, New York Life Moderator: GARWAY A.D.
BRIGHT, CLTC, Compliance Leader, Sales, Product & Marketing,
Genworth Financial
Fighting costly fraud continues to be an important issue for insurance companies and regulators alike. Does your company have an effective plan? Are you leveraging technology to help combat fraud in a tight resource environment? Attend this session to learn about the latest trends in fraud and hear how some companies are leveraging their compliance programs and Special Investigative Unit (SIU) to more effectively detect, investigate, monitor, and report suspected fraud.
HILLARY GRANDBOIS-GOECKE, Director, Suitability/Compliance, Sammons Financial Group JEFF GROSS, Assistant Chief Enforcement Officer, Maryland Insurance Division WANITA KILCOLLINS, Assistant Vice President of
Suitability, American Equity Moderator: ALEX HOLLOMAN, III,
AIRC, ALMI, Compliance Director, Athene Annuity
The NAIC Suitability in Annuity Transactions Model Regulation requires insurers to provide a report annually to senior management. The report must detail a review which is reasonably designed to determine the effectiveness of the company’s annuity suitability review system. We will learn how a company develops their report and the effect that the letter from the Iowa Insurance Division had on the design of their report.
CHRISTIE CORADO, ESQ., Senior Vice President, Associate
General Counsel, Legal & Compliance, Crump Life Insurance
Services LOUIS DEMPSEY, CRCP, CSCP, President, Renaissance
Regulatory Services, Inc. JOSH WINSLOW, J.D., Assistant Vice
President, Associated Counsel, Advanced Markets, John Hancock
Life Insurance Company Moderator: JIM ODLAND, J.D., Vice
President and Managing Counsel, Thrivent Financial
Insurance carriers and financial advisors have started to prepare for the U.S. Department of Labor (DOL) requirements, which are currently drafted to curb conflicts of interest in the retirement advice marketplace. When this conference is held, the rule may already be impacting the way we do business. How will this rule impact life insurance and annuity products? How will your firm adjust and adapt to it? What role will Compliance play? Join the ongoing conversation about this rule and what it will mean for compliance and the industry.
President and Chief Executive Officer, LIMRA, LOMA, and LL Global, Inc.
Bob Kerzner will discuss disruptive trends in the financial services industry, and explore the ways that recent and pending regulation and legislation may impact the industry and its ability to help Americans achieve financial security.
This panel of state and federal regulators will answer questions
about the current regulatory environment. Please pre-submit your
questions for a wide-ranging discussion of issues by emailing
LIMRA’s Stephen Selby at sselby@limra.com.
BRIAN T. CASEY, ESQ., Partner, Co-Chair of Regulatory &
Transactional Insurance Practice Group, Locke Lord LLP
Electronic signatures have become a widely accepted business practice, but do the processes in your company meet the criteria for legally binding signatures? It’s not all about technology, nor is it all about signatures as electronic delivery and record retention are also key ingredients for an end-to-end electronic fulfillment process. The customer authentication process remains a vital aspect of any e-signature strategy. Brian Casey will share his expertise on e-signatures and e-delivery to help your organization routinely, effectively, and legally use electronic signatures in today’s digital world.
PETER BADO, Chief Legal Counsel and Corporate Secretary, Thrivent Financial RICHARD CHOI, J.D., Shareholder, Carlton Fields Jorden Burt LLP Moderator: CHRISTOPHER OSBORNE, Vice President, Enterprise Supervision, Thrivent Financial
Compliance professionals are crucial to ensuring financial services firms are adequately prepared for litigation. Unfortunately, resources are limited and the world is changing at a faster pace than ever. Attend this session to review major trends in financial services litigation, gain insight to the products and practices most vulnerable to litigation, and hear the arguments used by plaintiffs’ attorneys. You will come away with a clearer understanding of how to better allocate resources in preparation for eventual arbitration and lawsuits.
ZAC ANSHUTZ, Chief Compliance Officer, Advisors Excel JOY DAWE, Director of Compliance, Crump Life Insurance Services, Inc. HILLARY GRANDBOIS-GOECKE, Director, Suitability/Compliance, Sammons Financial Group Moderator: LINDA BURM, Chief Distribution Compliance Officer, Allianz Life
Each distribution channel your company uses brings its own benefits and challenges. When engaging an Independent Marketing Organization (IMO), what do you really know about the individual presenting your company’s products to prospective clients? In this session, compliance executives from IMOs will share enlightening — not frightening — insights on their compliance practices so you can sleep better at night.
GINA CRISTALLO, Corporate Vice President, New York Life ELLEN RAWSON, Vice President & Senior Counsel, MassMutual JEFFREY SCHLOEMER, CRCP, Director, Enterprise Compliance, Northwestern Mutual Moderator:BRIAN LOUTREL, CIA, CFSA, Vice President, New York Life
What do you do when your employees and agents violate your
firm’s code of conduct? Three industry experts will provide you with
tools and techniques that ensure an effective investigation takes
place. Attend this workshop to:
Learn critical investigation techniques, including different
techniques for investigating employee and agent violations
See the role that ethics hotlines play in the investigation process
Hear about Compliance’s oversight role in code of conduct
violation investigations
A solid Compliance Risk Assessment (CRA) process is the
cornerstone of an effective compliance program. Whether you are
a CRA expert or newbie from a company big or small, join us to
play (or observe) this informative CRA knowledge game. We will
cover several key topics including:
CRA steps/phases
Triggering events that require you to evaluate risk
MARK C. BIREN, Senior Vice President, New York Life STEVE
FOX, ESQ., Co-Founder & Strategic Advisor, National Cannabis
Industry Association MARSHA HUNT, Senior Liaison Officer, U.S.
Treasury Financial Crimes, Enforcement Network, FinCEN ANTHONY MASELLA, Corporate Vice President, New York Life Moderator: BRIAN LOUTREL, CIA, CFSA, Vice President, New York
Life
Nearly half of states have legalized marijuana for medical use.
But financial institutions have been reluctant to accept customers
involved in this industry. Why?
Gain an understanding of the underlying federal and state
laws complicating this issue.
Hear from regulatory, cannabis industry, and insurance sales
and compliance experts on the current status of the medical
marijuana industry.
Learn about the evolution of federal law and banking
regulation that may eventually permit financial institutions to
accept customers from the medical marijuana industry.
MATHEW CLEGG, AIRC, Compliance Officer,
Amica Life ROY CREEDON, Compliance Assistant Vice President,
Sun Life Assurance Company of Canada Moderator: ANITA KNIERY, Compliance Sr. Division Manager, Allstate
Do you want an effective risk based compliance testing and
monitoring program? Join us for an interactive conversation
with a perspective of a small company as well as large company.
Learn the key concepts of a sound-monitoring program
CAROL
CROSSON, Senior Project Manager, Market Conduct &
Compliance Dept., Guardian Life MICHELE JORDAN, Senior Compliance Consultant, John Hancock
Has your company received a multi-state exam (MSE) notice from a
lead state? If not, it may soon as these exams become more
commonplace. This session will provide practical information you
can use to anticipate, prepare for, and survive an MSE, including:
The NAIC Multi-state Examination Framework and how it is
resulting in more MSEs
How lead and participating states are selected
How the exam is coordinated and conducted
The results and benefits of MSEs
How you can use the NAIC examination framework to your
advantage
Here’s your opportunity to discuss topics and benchmark your
practices with peers and industry experts in a fast-paced
roundtable format. Change tables every 15 minutes to discuss
topics including:
HENRY FU, MBA, CRISC, CRMA, CIA, CISA, CISM, FLMI, Director,
ERM, Fidelity and Guaranty Life Insurance Company MARY JANE
WILSON-BILIK, J.D., Ph.D., Partner, Sutherland Asbill & Brennan
Cybersecurity is no longer the exclusive domain of IT professionals.
As cybersecurity incidents become more frequent, regulators have ratcheted up their efforts to tackle cybersecurity issues head on. Attendees of this workshop will gain insight into:
Holistic view of cybersecurity and the challenges and concerns from an Enterprise Risk Management perspective
Coordination of IT and Compliance to protect an organization's most valuable assets
Recent cybersecurity regulatory activity at the federal, NAIC, and state levels
The NAIC Guiding Principles for Cybersecurity and the Consumer Cybersecurity Bill of Rights
How you can help your company comply with regulatory expectations and prepare for future cybersecurity targeted exams
Compliance is inherently a look in the rear view mirror. Where did market conduct issues arise in the past, what new rules have been put in place to prevent these events from happening again and how do we ensure the rules are followed? Necessary...of course. Thankless...you bet! But what if things could be different? What if we could recognize bad behavior-even unintentional bad behavior-before anyone got hurt? That's the holy grail of predictive analytics. During this session, strategy and innovation consultant David Silverstein will talk about the trends and technologies that are making it possible.
MATHEW CLEGG, AIRC, Compliance Officer, Amica Life Insurance BARBARA FITCH, CFE, CLU, FLMI, AIRC, ACS, AIAA, Chief
Compliance Officer, Life & Annuity National Life Group
Join our panelists for a group discussion by Compliance personnel from small life insurance companies, broker-dealers, and subsidiaries of larger companies. You’ll hear how panelists are meeting the competing demands of increasing responsibilities and shrinking resources. You will also see how your practices compare to peers’ with an anonymous real-time electronic polling system.
Lisa Cooper, FMLI, AIRC, CCP, MCM, Compliance Director, Nationwide Amy Mulligan-Capocci, Assistant Vice President, John Hancock Carol Stilwell, ACS, PCS, Director of Supervision, Northwestern Mutual
Compliance and Operations can have a complicated relationship. For example, many compliance issues have operational components. Operations sometimes drives Compliance decisions. Some companies have specific operations compliance, while others do not. Hear our panel discuss challenges related to operational compliance and share best practices that you can take back to your companies. Learn how to bring compliance to Operations and create of culture of compliance there.
Corporate Vice President and Director, International Research and Member Engagement, LIMRA and LOMA
In our increasingly globally industry, what happens in other countries is having a greater impact on us here at home. Larry Hartshorn will share his perspective on industry issues and trends around the world, and discuss how these insights inform what is happening in the U.S. today - and how we can prepare for what the future might hold.
Vice President of Legislative and Regulatory Affairs, Charles Schwab
Regulations are continually updated based on observed market conditions, customer experiences, evolving legal and regulatory theory, and industry feedback — as well as the political climate. This session will shed light on the complex set of conversations between our industry and those setting public policy and how these conversations might indicate future changes in the regulatory landscape.
Cybersecurity Lead, Technology Controls Program
Office of Compliance Inspections and Examinations
, U.S. Securities and Exchange Commission
We are now in an environment that it is a matter of when, not if, your company will experience a cybersecurity breach. When this occurs, will your organization be prepared to mitigate a breach and its impact? With over 20 years of experience in cyber security risk management, incident response and regulatory compliance, Mr. Hetner will address and discuss cyber security in the financial services industry including:
Highlighting cybersecurity threats that are impacting the markets
Essential capabilities and capacities companies are developing to improve cyber preparedness
Risk mitigation and incident response
Constellation A/B
11:30 am
CONFERENCE ADJOURNS
Registration
Registration Fees:
By February 29, 2016: LIMRA and LOMA member: $1,195 AIRC Designee: $1,095 Nonmember: $1,695 Guest/Spouse fee: $100
After February 29, 2016: LIMRA and LOMA member: $1,395 AIRC Designee: $1,295 Nonmember: $1,895 Guest/Spouse fee: $100
Refund Policy: All cancellations and refund requests must be in writing. Full refunds minus a $100 administrative fee will be granted only on cancellations received 10 business days prior to March 30, 2016 (by 03.16.2016). No refunds will be granted after that time. In the unlikely event the meeting is cancelled, LIMRA/LOMA will refund the total registration fee. However, LIMRA/LOMA will not be responsible for any travel, hotel accommodations or other costs incurred.
Make your reservations by February 24, 2016 in order to receive the group rate of $199.00 single/double (plus applicable sales taxes). Requests after February 24, 2016 will be accepted on the basis of space availability. The group guest room rate will be offered three days prior and three days after the meeting dates subject to availability.
Please note that hotel rates will go up after the cut-off date or when the meeting room block sells out, whichever comes first. Make your reservations early to be able to take advantage of our discounted rates.
Become a Sponsor or Exhibitor
Connect With Key Prospects
This conference is your opportunity to meet executives and practitioners responsible for their firm's regulatory compliance program, including Chief Compliance Officers, compliance executives, legal counsel, and audit executives.
Exhibitor fee: $4,800 (add $1,000 after January 24, 2016) The exhibit area will host the conference reception on Wednesday evening, breakfast each morning, lunch on Thursday, and extended breaks on Thursday and Friday. Space is limited to tabletop displays or similar-sized displays. Each exhibiting organization will receive:
Two full-conference registrations (total value $3,390). Additional staff members can register at the member rate of $1,195 per person before January 24, 2016. After January 24, 2016, an additional $200 will be added to the registration fee.
One-time use of attendee mail/email list. We will send you a registrant list 3 weeks prior to the conference and the attendee list after the conference.
Listing in the onsite conference program.
Hyperlinked logo and description on the LIMRA and LOMA conference web pages.
Listing on service providers flyer included in attendee packets.
Recognition on general session walk-in slides.
6-foot skirted table with electrical outlet.
Sponsorship Opportunities
Platinum Sponsorship
General Session Speaker
Reception Sponsor
Luncheon Sponsor
Hot Breakfast Buffet
Platinum sponsorship includes:
Invitation for 2 company representatives to attend the private Chief Compliance Officer Breakfast and Lunch.
Registration for a total of 4 company representatives. Additional personnel can be registered at the rate of $1,195 per person. The individuals will be officially registered and listed as delegates and invited to attend all conference events.
One exhibit booth space in a premium location with one electrical outlet. The exhibit area will host the conference reception on Wednesday evening, breakfast each morning, lunch on Thursday, and extended breaks on Thursday and Friday.
Recognitions during the conference, including appearing in the conference program (sponsorship must be paid no later than February 24, 2016 to appear in the program).
Signage recognizing sponsorship at sponsored event. Collateral distribution at sponsored event.
Inclusion of a one-page flyer or small promotional item in all attendee packets.
One-time use of attendee email/mail. We will send you a registrant list 3 weeks prior to the conference and the attendee list after the conference.
Your hyperlinked logo and description on the LIMRA and LOMA event web pages.
General Session Speaker sponsorship includes the opportunity to introduce the speaker.
Gold Sponsorship
Conference Bag Sponsorship
Mobile Program Sponsorship
WiFi Sponsorship
Continental Breakfast
Gold sponsorship includes:
Invitation for 1 company representative to attend the private Chief Compliance Officers Breakfast and Lunch.
Registration for a total of 3 company representatives. Additional personnel can be registered at the rate of $1,195 per person. The individuals will be officially registered and listed as delegates and invited to attend all conference events.
One exhibit booth space in a premium location with one electrical outlet. The exhibit area will host the conference reception on Wednesday evening, breakfast each morning, lunch on Thursday, and extended breaks on Thursday and Friday.
Recognitions during the conference, including appearing in the conference program (sponsorship must be paid no later than February 24, 2016 to appear in the program).
Signage recognizing sponsorship at sponsored event. Collateral distribution at sponsored event.
Inclusion of a one-page flyer or small promotional item in all attendee packets.
One-time use of attendee email/mail list. We will send you a registrant list 3 weeks prior to the conference and the attendee list after the conference.
Your hyperlinked logo and description on the LIMRA and LOMA event web pages.
Conference Bag Sponsorship: Company name/logo on bag.
To create a sponsorship or exhibitor package to optimize your participation, please contact Jim Haggerty at 770-984-6448 or jhaggerty@loma.org
