REGULATORY COMPLIANCE

Transcription

1 November 19 20, 2014 Allstream Centre Toronto The Canadian Institute s REGULATORY COMPLIANCE for Financial Institutions Proven Risk Management for FIs of All Sizes Hear directly from the key Regulators to understand their priorities: Office of the Superintendent of Financial Institutions (OSFI) Financial Consumer Agency of Canada (FCAC) Maximize your learning experience by attending our practical and indepth pre-conference workshops A B Fundamentals of Regulatory Compliance Managing the changes to LCM/ RCM Learn best practices from representatives of all Big Five domestic banks and other leading financial institutions, to meet and exceed regulatory expectations. Hansell LLP BMO Financial Alterna Savings and Bank Protiviti Travelers Canada Credit Union Central of Canada Norton Rose Fulbright Canada LLP McCarthy Tetrault LLP Bennett Jones LLP TD Bank Group Capital One HSBC Financial Canada Davis LLP Obtain proven strategies from industry leaders to develop superior in-house compliance programs Implement best practices to face new Regulatory Compliance Management obligations Prepare for the influx of data management responsibilities accompanying stricter ATF and AMF regulations Gain in-depth knowledge on how to remain compliant with evolving privacy, security and data breach requirements Improve your operational and business efficiency by benchmarking your programs against those of key industry stake-holders Develop solid governance practices with a focus on OSFI Guidance and subsidiary issues Sponsored by: TM Ethidex REGISTER NOW EARN CPD HOURS

2 Prepare to Meet Your Increasingly Complex and Expanding Regulatory Compliance Obligations Attend The Canadian Institute s 20 th anniversary edition of Regulatory Compliance for Financial Institutions, and learn how to exceed the expectations of regulators, guard against perennial and emerging threats, and insulate your organization against the negative business effects of compliance breaches. Benchmark your compliance programs with guidance from industry-leading compliance, risk management, in house counsel and audit professionals from the Big 5 banks, smaller financial institutions, credit unions and insurers, as well as future trends directly from the regulators to shape the way you conduct business. Topics this year include: Perspectives from OSFI and industry on the LCM E-1 revisions the new Regulatory Compliance Management Planning for heightened scrutiny in AML and ATF Incorporating effective drafting to comply with the FCAC focus on clear language How to achieve optimum performance through effectiveness testing Strategies to comply with evolving corporate governance regulations Leveraging advancing technologies and outsourcing for streamlined data management Assessing your cybersecurity risk and superior privacy compliance Keeping pace with key regulations post-implementation CASL and FATCA Add value by participating in the popular pre-conference Fundamentals workshop, and a refreshed workshop to help develop your E-1 Regulatory Compliance Management (formerly LCM) program. Learn exactly what your peers are doing to help position your team for a proactive and successful approach to your regulatory compliance challenges. Register Now! Secure your place at this event unique in Canada to learn from the experts and stay compliant with evolving and increasing regulatory demands by calling , by fax at or online at Regulatory Authorities Also: - Accountants - Risk Managers - IT and Operations WHO YOU WILL MEET Compliance Officers, Operations and Risk, In-house Counsel, Internal Auditors and others in: - Domestic and Foreign Banks - Credit Unions - Life Insurance Companies - Investment Banks and Advisors - Securities Firms - Asset-management Firms - Financial Advisory Companies - Operational Risk Management - Law Firms - Accounting Firms - Consulting Firms - Pension Funds - Lawyers in private practice (Canada and U.S.) - Consultants - Global Custodians DISTINGUISHED SPEAKERS Lisa Abe-Oldenburg Bennett Jones LLP Carlos Amoranto, Regulatory Compliance- Financial Services Amoranto Consulting Eric Belli-Bivar Davis LLP Joan Bentley Director, Regulatory Compliance Assessment Program AML & Compliance Division OSFI Maureen Bell VP, Compliance Wendy Bradley Director, Payments Credit Union Central of Canada Koker Christensen Fasken Martineau DuMoulin LLP Elaine Cormack Vice-President Legal HSBC Financial Canada Joan Dal Bianco Vice President & Deputy Global Anti-Money Laundering Officer CBAC TD Bank Group Michael Davenport Vice President & Associate General Counsel, Retail & Commercial Flora Do Director, Enterprise Compliance Governance Jennifer Drost Chief Compliance Officer & Senior Counsel Travelers Canada Antoinette Duffy Director Information Management, Canada CommVault Systems Sharissa Ellyn Of Counsel Norton Rose Fulbright Canada LLP Teresa Frick Director, Compliance and Enforcement Branch FCAC Carol Hansell Founder & Senior Hansell LLP Caroline Harduwar Director, AML Governance & Oversight Guy Hubert Vice-President, Regulation and Risk Management DICO (Deposit Insurance Corporation of Ontario) Carolyn Ibele Compliance Manager, AML & Compliance Division OSFI Karen Irwin Managing Director Protiviti Karim T. Jetha Senior Compliance Officer, Legal and Corporate Compliance Group BMO Bank of Montreal Nina Mapara Senior Counsel Capital One Monica Papendick Senior Counsel Michael Pawliw Former FINTRAC Regional Director, Central Regional Office Wendy Rintoul Director, Legal, Corporate & Compliance Group BMO Financial Group Howard Rosen Former Senior Director Financial Services Ratings North American Insurance Standard & Poor s Shara N. Roy Associate Lenczner Slaght Royce Smith Griffin LLP Philippe Sarfati Managing Director Promontory Financial Group Canada ULC Jacqueline Shinfield Blake, Cassels & Graydon LLP Aryeh Snitman Senior Tax Counsel Nancy Sullivan Chief Legal Officer, CCS Canada JPMorgan Chase Bank, N.A. (Toronto Branch) Alena Thouin General Counsel & Corporate Secretary Alterna Savings and Bank Julie Walsh Vice President, Corporate Governance Office To receive exclusive discounts, program updates and offers, join our list at Register at ( ) or

3 DAY ONE: Wednesday, November 19, :00 Registration Opens and Coffee Served 9:00 Opening Remarks Program Co-Chairs Maureen Bell VP, Compliance Alena Thouin General Counsel & Corporate Secretary Alterna Savings and Bank 9:15 Direct from OSFI: Perspective of the Regulator on Guideline E1, Regulatory Compliance Management (RCM, formerly LCM) Joan Bentley Director, Regulatory Compliance Assessment Program AML & Compliance Division Office of the Superintendent of Financial Institutions Carolyn Ibele Compliance Manager, AML & Compliance Division Office of the Superintendent of Financial Institutions OSFI s draft revised Guideline E-1 Regulatory Compliance Management (RCM) is expected to replace Guideline E-1 Legislative Compliance Management (LCM) this year. The revision does not change OFSI s expectations for key control elements in regulatory risk mitigation but it does elaborate on a number of the elements and it aligns E-1 more closely with other OSFI guidance, for example, the Corporate Governance Guideline. Hear directly from OSFI representatives tasked with leading the E-1 revision project Understand the intricacies of the changes and expectations of the regulator concerning how you manage your compliance obligations Take your opportunity to ask questions for clarity on the revised guidance 10:00 Industry Perspective on the New RCM and B-8 Guidance, Including What Monitoring and Testing Programs Mean for Compliance Maureen Bell VP, Compliance Caroline Harduwar Director, AML Governance & Oversight Karen Irwin Managing Director Protiviti Jennifer Drost Chief Compliance Officer & Senior Counsel Travelers Canada Full implementation of the new E-1 Guideline is expected no later than six months from the effective date. Additionally, antimoney laundering and anti-terrorist financing are a heightening concern for the regulators. Accordingly, it is important that you assess whether your practices, including testing programs, meet regulatory expectations and to develop and refine your compliance action plan. Industry leaders will provide guidance, especially: How the testing program could be integrated into an overall risk and control model for compliance Industry best practices 11:00 Networking Coffee Break 11:15 Canadian AML: Updates, Challenges and Moving Forward Jacqueline Shinfield Blake, Cassels & Graydon LLP AML challenges with current regulations In-depth discussion of Bill C-1 Sanctions: new developments and issues Global AML compliance: the way forward 12:00 Networking Luncheon for Delegates and Speakers 12:45 Dark Data and its Impact on Compliance Antoinette Duffy Director Information Management, Canada CommVault Systems Join Antoinette Duffy as she discusses how to bridge the gap between data management and information governance, how to leverage an overall data strategy to meet multiple business goals, and discuss the charter of Chief Data Officer s today and how you can work together to ensure your company maintains data compliance. 1:15 Understanding FCAC Priorities and Evaluating Your Compliance Performance Teresa Frick Director, Compliance and Enforcement Branch Financial Consumer Agency of Canada Sharissa Ellyn Of Counsel Norton Rose Fulbright Canada LLP Insight into the six priorities in the new FCAC Report on Plans and Priorities, formerly the Business Plan Lessons from recent FCAC compliance decisions and discussion of recent hot-button issues FCAC and promoting compliance in the industry - Overview of FCAC compliance and enforcement methods and tools Register at ( ) or

4 2:15 Question and Answer: Roundtable with the Regulators Teresa Frick Director, Compliance and Enforcement Branch Financial Consumer Agency of Canada (FCAC) Representative The Office of the Superintendent of Financial Institutions (OSFI) Obtain answers directly from the regulators in this session devoted entirely to your most pressing regulatory compliance concerns, including the new OSFI Guidelines, solidifying risk and crisis management strategies, and aligning AML compliance with KYC initiatives flowing from increasing domestic and international regulations. Submit your questions in advance to :00 Networking Coffee Break :15 Good Governance: Ensuring Continued Best Practices with Increasing Corporate Governance and Risk Culture Mandates Carol Hansell Founder & Senior Hansell LLP Philippe Sarfati Managing Director Promontory Financial Group Canada ULC Julie Walsh Vice President, Corporate Governance Office Clarification on the key aspects of OSFI s corporate governance guidance Industry best practices concerning required notifications of proposed changes of directors and senior officers of Canadian federal financial institutions How are FIs addressing the bureaucratization of corporate governance? - Buttressing governance to guard against the increase in shareholder remedy class action claims - Appointing women: How is industry responding? Understanding subsidiary governance issues Effective risk management requires a healthy risk management culture - Regulators believe risk culture drives strategic plans and offer guidance on risk culture 4:15 Addressing Compliance Hurdles in Emerging Payments Technologies Wendy Bradley Director, Payments Credit Union Central of Canada Elaine Cormack Vice-President Legal HSBC Financial Canada Guidance in adopting risk management strategies and compliance procedures while meeting and exceeding consumer protection obligations What to expect from the regulators: - in monitoring compliance with the Code of Conduct for the Credit and Debit Card Industry; and - oversight of the Payment Card Networks Act What is the future of mobile payments regulation in Canada? 5:00 Closing Remarks, Conference Adjourns DAY TWO: Thursday, November 20, :0 Coffee Served 8:00 am 9:00 am Credit Unions Sunrise Session: Battling Expanding Regulatory Requirements and the Realities of Smaller Organizations to Compete with the Big 5 Banks Koker Christensen Fasken Martineau DuMoulin LLP Guy Hubert Vice-President, Regulation and Risk Management DICO (Deposit Insurance Corporation of Ontario) Alena Thouin General Counsel & Corporate Secretary Alterna Savings and Bank Managing the increased pre-merger notification thresholds: - What is the practical impact on CU merger transactions? Leveraging new developments from the CUCC: - Policy priority update for the coming year - Putting innovation into practice: Snapshot of what this year s most successful FIs are doing Best practices in guarding against the vulnerabilities of CUs to global events 9:10 Opening Remarks 9:15 High Risk Compliance Areas: Managing the Intersect of International Legislative Developments and AML/KYC Compliance Joan Dal Bianco Vice President & Deputy Global Anti-Money Laundering Officer CBAC TD Bank Group Michael Pawliw Former FINTRAC Regional Director, Central Regional Office Register at ( ) or

5 Know Your Customer: Managing increasing controls to prevent identity theft fraud, money laundering and terrorist financing Dodd-Frank Wall Street Reform: What is on the horizon for regulatory compliance for FIs across international borders? Anticipating and proactively addressing risk hot spots when dealing with MSBs Dealing with bitcoin 10:15 Networking Coffee Break 10:0 Addressing Privacy, Security and Evolving Data Breach Obligations Lisa Abe-Oldenburg Bennett Jones LLP Michael Davenport Vice President & Associate General Counsel, Retail & Commercial Responding to data breaches understanding the changes to Canadian data breach notification law Understanding how to identify and assess your cybersecurity risk factors Organizational data practices Due diligence of third parties 11:0 CASL: Addressing Practical Challenges Post-July 1 Monica Papendick Senior Counsel Canada s Anti-Spam Legislation (CASL) will be in force as of July 1. With new penalties for sending commercial electronic communications without the consent of the recipient, including a maximum fine of $10 million, you need to be fully prepared to ensure compliance now. Hear an update of enforcement action and how industry has responded. 12:00 Networking Luncheon for Delegates and Speakers 1:15 Monitoring the Progress of FATCA Beyond Implementation and the IGA Carlos Amoranto, Regulatory Compliance-Financial Services Amoranto Consulting Aryeh Snitman Senior Tax Counsel Practical operational and risk management strategies being successfully deployed What are the implications associated with a worldwide common model for reporting on financial accounts held by foreign persons, including reciprocal exchange? Managing the impact on smaller banks: What are your options in the reality of tighter resources? 2:00 Basel III and the Liquidity Adequacy Requirements Eric Belli-Bivar Davis LLP OSFI Final Liquidity Adequacy Requirements Guideline Liquidity Coverage Ratio Net Stable Funding Ratio Net Cumulative Cash Flow Monitoring and Reporting Compliance with New Regime 2:45 Networking Coffee Break :00 Data Management and Governance: Using Outsourcing and Advancing Technologies for Effective Compliance Flora Do Director, Enterprise Compliance Governance Howard L. Rosen Former Senior Director Financial Services Ratings North American Insurance Standard & Poor s An update on OSFI s B-10 Outsourcing Guidelines as they apply to new technology-based outsourcing services The importance of validation in the evaluation process - Best practices on static and dynamic validation; control environment; and others Superior strategies for evaluating third-party service providers to manage outsourcing risks When should you a launch a self-assessment and who should be on the team? 4:00 Conference Wrap-up and Networking, Conference Concludes Legal Accreditation This program may be eligible toward the CPD Requirement as 9 Substantive Hours, as required by the Law Society of Upper Canada. Please EARN note that this program is not accredited for Professionalism Hours or the New Member requirement. CPD HOURS This program has been approved by the Law Society of Saskatchewan for 12.5 CPD hours for the conference. Members will also receive.5 additional CPD credit hours for Workshop A, and.0 hours for Workshop B. The same number of hours may be applied toward your continuing legal education requirements in British Columbia. The Barreau du Québec automatically recognizes the same number of hours for this training activity, the latter having been accredited by another Law Society subject to MCLE. Attendance at this program by members of the Law Society of Alberta may be submitted to the Law Society for Continuing Professional Development credits. Register at ( ) or

6 Pre-Conference Workshops: Tuesday, November 18, 2014 WORKSHOP A 9:00 am 1:00 pm (Registration opens at 8:0 am) The Fundamentals: Building Blocks for Solid Regulatory Compliance Nina Mapara Senior Counsel Capital One Wendy Rintoul Director, Legal, Corporate & Compliance Group BMO Financial Group This session is designed to provide you with a solid grasp of the critical foundational areas of concern to compliance professionals. Our workshop leaders will take you through an overview of the essentials of regulatory compliance requirements for both banking and insurance professionals and conclude with a detailed review of the essential elements of compliance. Do not miss this unique opportunity to refresh your knowledge of the fundamentals in order to maximize the advanced content of the conference! Establishing the parameters of the Canadian regulatory framework: - Teasing out the federal and provincial jurisdictional divisions - Identifying the regulators and understanding their roles - Key influential industry associations and self-regulatory organizations Identifying the key legislation and regulations: - Bank Act, Trust & Loan Companies Act, Insurance Act and regulations thereto - Proceeds of Crime Money Laundering and Terrorist Financing Act and regulations - Securities Act - Regulator s guidelines from OSFI, FINTRAC, FCAC and OPC Understanding how the critical international legislation fits: - Dodd-Frank Wall Street Reform: Volcker Rule, FATCA, SOPA - UK Anti-Bribery Act Highlighting the importance of AML obligations and how they intersect with privacy, data management and advancing technologies: - Understanding the essential purpose and principles of an AML compliance program - What are the leading technology and social media tools - Overview of risk management strategies pertaining to the use of social media Governance Principles: - Reviewing the roles of the board, committees and management: Understanding their influence and involvement in operational decisions - Embedding risk management strategies into your governance framework - Overcoming benchmarking challenges unique to each of small, mid-sized and large organizations Privacy Compliance Reviewing, analyzing and understanding PIPEDA - Considering privacy case law developments and assessing their implications - Strategies for developing and managing functioning privacy systems Lunch will be available for delegates participating in both Workshops A & B. WORKSHOP B 2:00 pm 5:00 pm (Registration opens at 1:0 pm) Planning, Implementing and Evaluating the Effectiveness of Your Regulatory Compliance Programs (formerly LCM) Shara N. Roy Associate Lenczner Slaght Royce Smith Griffin LLP Nancy Sullivan Chief Legal Officer, CCS Canada JPMorgan Chase Bank, N.A. (Toronto Branch) Karim T. Jetha Senior Compliance Officer, Legal and Corporate Compliance Group BMO Bank of Montreal Do not underestimate the value of a superior in house compliance system. This in-depth, practical, and comprehensive workshop will provide you with the framework for building, implementing and executing a successful Regulatory Compliance Management program, tailored to suit your individual business needs. You will return to the office equipped with the tools and confidence necessary to increase productivity while expertly discharging your compliance obligations. Topics covered include: Successful Strategies in Monitoring Compliance Establishing an individualized enterprise-wide RCM structure: - Implementing proper policies and procedures, and enforcing uniform compliance - Ensuring that supervisory groups and controls are independent and remain at arm s length from the activities to be monitored Best practices in creating and maintaining monitoring and reporting procedures: - Constructing structures for a seamless flow of information to management in the course of day-to-day business practices - What are the key differences in reporting to senior management, the board, and externally? Practical guidelines to effectively align your RCM system with your compliance model while staying true to your general business vision Proven strategies for cost-effective RCM programs: Where and when can you afford to be frugal? Aiming for improvement: Incorporating a solid metrics system for regular and targeted evaluation of RCM controls and methodologies to keep pace with regulatory challenges Solutions to Manage Compliance Risks Building cross-jurisdictional internal audit and self-assessment tools Understanding the importance of developing micro-management strategies for the critical areas of risk: - Operational - Compliance - Legal - Liquidity - Strategic - Reputational - Credit - Market Learning to grow talent: Proven practices for training staff to understand the importance of risks for non-compliance: - What are your options for training vehicles? - Assessing the effectiveness of home-grown compliance training programs What must be considered in handling escalating problems? - Prioritization of issues to facilitate direct and immediate attention to hot button issues - Best practices to diffuse problems at an early stage, and to minimize the negative impact of public scrutiny - Implementing training measures for your management team The Canadian Institute, 2014 Register at ( ) or

7 SPONSORED BY: Protiviti is a global consulting firm that helps companies solve problems in finance, technology, operations, governance, risk and internal audit. We have served 75% of the world s largest banks through our network of more than 70 offices in over 20 countries. Protiviti is a wholly owned subsidiary of Robert Half International Inc. (NYSE: RHI). Founded in 1948, Robert Half International is a member of the S&P 500 index. Thomson Reuters Accelus brings together market-leading solutions for global regulatory intelligence, financial crime, anti-bribery and corruption, enhanced due diligence, compliance management, internal audit, training and e-learning, risk management, and board of director and SEC disclosure services. Our Risk Screening coverage includes Sanctions and Enforcements, Politically Exposed Persons Research, Enhanced Due Diligence Reporting, Adverse Media Searches, Vessel Data and customized options tailored to meet your specific needs. Amoranto Consulting is a boutique consulting practice focused on regulatory compliance matters affecting financial service organizations. The team has over 100 years combined experience in internal and external audit as well as Canadian and U.S. regulatory compliance expertise: Qualified Intermediary(QI) Anti-Money Laundering (AML); OSC/IIROC/MFDA/SEC/ FINRA and FATCA regulatory initiatives; Compliance reviews and regulatory audits for firms regulated by the OSC, SEC/FINRA, IIROC, MFDA, and OSFI and Internal audit outsourcing including IT auditing and operational auditing, auditing in accordance with International auditing standards. CommVault is a leading data management software company passionately committed to giving organizations a better way to organize, protect, and access business information. Our unique Solving Forward philosophy and one-of-a-kind Simpana software deliver complete data management solutions with infinite scalability and unprecedented control over data and costs. Learn more: TM Ethidex Ethidex Inc. has been providing Canada s premier integrated solution for regulatory compliance for financial institutions since year We offer an easy to use, web-based solution for understanding regulatory requirements and demonstrating effective controls as required by OSFI Guidelines. Our clients reduce the time and cost of managing compliance while providing a fully auditable compliance program. Strategic Information Technology Ltd. develops and sells Portfolio Plus, a complete, real-time banking software solution. SIT is committed to providing clients with the means to achieve regulatory compliance across the array of regulatory bodies that govern our industry. As the burden of compliance has increased over the last decade, SIT has met every challenge, making Portfolio Plus the go-to solution for Canadian Financial Institutions. Dow Jones & Company explains the world and the world of business. With authoritative journalism and smart technology, we provide a window on events, clarify issues, inspire new thinking and give readers and business customers the insight they need to make informed decisions. Today s compliance professionals rely on Dow Jones for quality, structured risk data focused on Anti-Corruption, Anti-Money Laundering and Payments compliance. Our proven approach provides: Accurate, robust, structured data so you can spot risk with greater ease and precision Access to Factiva s extensive global media archive to provide you with insight into daily risks. Securefact is the leading provider of on-demand services and technology for secured lending, regulatory compliance, risk management and public records access. We make doing business easier and more profitable for our customers. With over 400 clients in 40 countries, Resolver is the global leader in Governance, Risk and Compliance (GRC) Software. Resolver develops GRC solutions for companies around the world, delivering significant efficiencies to processes for managing and delivering corporate initiatives through a risk based approach. Resolver s GRC Software offers a compliance risk management tool that supports the regulatory compliance program of a Canadian Financial Institution to meet OSFI regulations. Sponsorship & Exhibition Opportunities Maximize your organization s visibility in front of key decision-makers in your target market. For more information, contact Director of Business Development Daniel Gellman at ext. 789, toll-free ext. 789 or by at [email protected] 1 2 CALL, , VISIT OUR WEBSITE, OR REGISTER BY MAILING/FAXING FORM BELOW: YES! Register the following delegate for 20 th Annual Regulatory Compliance for Financial Institutions FEE PER DELEGATE SAVE $200 Register & Pay by October 22, 2014 Register & Pay after October PLEASE ADD 1% HST TO ALL ORDERS o Program (on site) $2095 $2295 o Program + 1 Workshop o A or o B $2690 $2890 o ELITEPASS*: Program + Both Workshops $185 $85 o Live Webcast (Program Only) $1595 All program participants will receive an online link to access the program materials as part of their registration fee o Please add a copy of the *Program Proceedings obinder or ocd-rom to my order for $295 + $22.95 (S+H) + applicable taxes *Program Proceedings are published and shipped 4 weeks from the program o I cannot attend but would like information on purchasing a copy of the Program Proceedings *ELITEPASS is recommended for maximum learning and networking value. CONTACT DETAILS NAME POSITION ORGANIZATION ADDRESS CITY PROVINCE POSTAL CODE TELEPHONE FAX TYPE OF BUSINESS NO. OF EMPLOYEES APPROVING MANAGER POSITION PAYMENT DETAILS PLEASE ADD 1% HST TO ALL ORDERS Please charge my o VISA o MasterCard o AMEX o DISCOVER CARD NUMBER EXP. DATE CARDHOLDER o I have enclosed my cheque for $ including applicable taxes made payable to The Canadian Institute (GST No RT0001 ) o Wire Transfer ($CAD) Please quote the name of the attendee(s) and the program code 226L15 as a reference. Beneficiary: The Canadian Institute Bank Name: HSBC / Account #: Address: 150 Bloor St, Suite M100, Toronto, ON Swift Code: HKBCCATT / Transit #: 1062 / Bank #: 016 PROGRAM CODE: 226L15-TOR ADMINISTRATIVE DETAILS VENUE: Allstream Centre ADDRESS: Exhibition Place, 100 Princes Blvd., Toronto, ON, M6K C TEL: (416) Hotel Reservations HOTEL: InterContinental Toronto Centre ADDRESS: 225 Front Street West, Toronto, ON TEL: (416) A limited number of rooms have been set aside at the InterContinental Toronto Centre for conference registrants. For hotel room and reservations, please call and request the 20 th Annual Regulatory Compliance conference group rate OR book online at The group rate is available until October 20, 2014 or until the room block is sold out, so please make your reservation early to ensure you qualify for the discounted rate. Rooms are on a first-come, first-served basis and start at $199. Registration Fee The fee includes the program, all program materials, coffee breaks and lunches. Payment Policy Payment must be received in full by the program date to ensure admittance. All discounts will be applied to the Program Only fee (excluding add-ons), cannot be combined with any other offer, and must be paid in full at time of order. Group discounts available to 4 or more individuals employed by the same organization, who register at the same time. For more information on group rates, please call Cancellation and Refund Policy You must notify us by at least 48 hrs in advance if you wish to send a substitute participant. Delegates may not share a pass between multiple attendees without prior authorization. If you are unable to find a substitute, please notify The Canadian Institute in writing no later than 10 days prior to the program date and a credit voucher will be issued to you for the full amount paid. Credit Vouchers are valid for 1 year and are redeemable against any other program by The Canadian Institute. If you prefer, you may request a refund of fees paid less a 25% service charge. No credits or refunds will be given for cancellations received after 10 days prior to the program date. The Canadian Institute reserves the right to cancel any program it deems necessary and will, in such event, make a full refund of any registration fee, but will not be responsible for airfare, hotel or other costs incurred by registrants. No liability is assumed by The Canadian Institute for changes in program date, content, speakers or venue. Call for Group or Special Industry Pricing Options

8 The Canadian Institute s November 19 20, 2014 Allstream Centre Toronto REGULATORY COMPLIANCE for Financial Institutions Proven Risk Management for FIs of All Sizes Top Reasons to Attend Know how to exceed the expectations of key regulators Obtain proven and practical risk management strategies Develop strong in-house compliance programs Understand best practices in effectiveness testing to protect against breaches Network with and learn from your peers, industry professionals and the regulators To expedite your registration, please mention your Priority Service Code 226L15.WEB Easy Ways to Register PHONE: or CustomerService@ CanadianInstitute.com ONLINE: FAX: or ATTENTION MAILROOM: If undeliverable to addressee, please forward to: Compliance Officer, Legal Counsel, Risk Management MAIL: The Canadian Institute 129 Bay Street, Toronto Ontario M5R 2C4 The Canadian Institute s REGULATORY COMPLIANCE for Financial Institutions Proven Risk Management for FIs of All Sizes Hear the latest and most impactful compliance information directly from the Regulators OSFI Representatives tasked with leading the E-1 LCM/RCM revision project will help you to understand the intricacies of the changes and how to manage your compliance obligations. FCAC The new Director will guide you through plans and priorities, recent enforcement decisions and hot-button issues. Register at ( ) or