APEX 2022

Come Together at APEX 2022

For the second consecutive year, the Credit Union League of Connecticut and the Cooperative Credit Union Association continue their collaborative efforts with APEX 2022. The convention-level event will be held October 12 - 14 at the Mohegan Sun Resort in Uncasville, Connecticut.  

Credit union professionals from Connecticut, Delaware, Massachusetts, New Hampshire, and Rhode Island will come together for an exceptional networking and educational experience. Strategic partners and vendors will share how they can help credit unions improve critical aspects of their business, especially in emerging technologies.

“Attending APEX is an engaging and enriching experience. The challenges we face as credit unions can often feel like a steep mountain to climb – at APEX we reached the top and gained insights to broaden our horizons.”  –Carl Casper, EVP and COO, Connex Credit Union

"I attended the 2021 APEX event sponsored by the CCUA and CULCT held at the Mohegan Sun. I found the event to be a fantastic way to learn what is going on in the Credit Union space with the large Vendor Exhibit. There was plenty of opportunity for networking with other Credit Union leaders. The speakers were engaging and shared some valuable insights. Our team really appreciated the lunch with other Connecticut Credit Unions and honor each other’s work."  –Teresa Knox, Executive Vice President, Chief Operations and Experience Officer, American Eagle Financial CU

Small CU (Less than $100M):
$399 Per Person
Large CU (More than $100M):
$599 Per Person
YP (Under 40):
$399 Per Person
Guest/Spouse:
$299 Per Person


Credit Union Registration:
The credit union registration fee includes all convention education sessions; all breaks; welcome reception on Wednesday; breakfast, awards lunch, and reception on Thursday; breakfast on Friday. Registrants’ guests may attend for the guest fee listed below.

Guest Registration: The guest registration fee includes all convention breaks; welcome reception on Wednesday; breakfast, awards lunch, and reception on Thursday; breakfast on Friday.

Vendors looking to register may do so here, email Chris Whalen, VP Marketing at [email protected] with exhibitor questions.
CCUA members must register here.

*All safety guidelines as mandated by the Mohegan Tribal Health Department will be followed during APEX 2022.

Thank you to our Title Sponsor:
CUNA Mutual Group


Credit Union APEX Registration Form

Registration is now closed. Please contact Chris Whalen at [email protected] or 413-841-3673 with any questions.


Hotel Information


Sponsors and Vendors


Agenda

Wednesday, October 12, 2022

9:30 a.m. – 6:00 p.m.

Uncas Ballroom Foyer
(Lower Level)

Registration

10:00 a.m. – 11:00 a.m.

Oneida/Penobscot
(Meeting Rooms Lobby Level)

Pre-Conference Session: The Board’s Role in Policy Review
Glory LeDu, President and CEO, League InfoSight

What is the difference between a policy and a procedure? What is the Board of Director’s role in the policy review process? The NCUA Examination Guide instructs that “the Board adopts policies to direct the credit union’s activities.” Those “major policies” must be approved by the Board and reviewed annually. 

This session will provide an overview of those policies required by regulation and an overview of resources available to assist the Board in ensuring policies are compliant, learning best practices for a comprehensive policy manual and guidance for a successful annual review structure.

10:00 a.m. – 11:00 a.m.

Passamaquoddy/Brothertown
(Meeting Rooms Lobby Level)

Pre-Conference: YP Forum: Energizing the Next Generation of Credit Union Professionals

Sterling Nowka, CUDE, Engagement Consultant
Credit Union National Association, Inc. (CUNA)

Thomas Sakash, Manager, Small Credit Union Initiatives
Credit Union National Association, Inc. (CUNA)

During this pre-conference Learning Lab, attendees will learn about the breadth and depth of the credit union movement, where they currently fit within that movement, and how they can harness their “Why?” to chart a path to their successful futures in credit unions.

11:00 a.m. – 4:00 p.m.

Uncas Ballroom Salons B-C
(Lower Level)

Exhibit Hall Open

1:00 p.m. – 1:30 p.m.

Uncas Ballroom Salon A
(Lower Level)

Opening Ceremony/Welcome Remarks

Bruce Adams, President & CEO
Credit Union League of Connecticut

Ronald McLean, President/CEO
Cooperative Credit Union Association, Inc.

Jim Nussel, President/CEO
Credit Union National Association

1:30 p.m. – 2:30 p.m.

Uncas Ballroom Salon A 
(Lower Level)

Keynote: Walk That Walk and Talk That Talk: What the Most Confident Leaders Say and Do


Bridgett McGowen
Award-winning Author, Publisher, and International Speaker

How do you effectively communicate as a leader, and how do you lead as an effective communicator? In this session, learn your own communication style, the communication styles of others, and how to communicate in a way that connects with others. You will know the four pillars of communication that paint the image others create of you and how to control that image, as well as how to consistently show up as a confident leader. You will walk away knowing how the fiercest, boldest, most successful leaders Walk That Walk and Talk That Talk.

2:15 p.m. – 3:15 p.m.

Uncas Ballroom Salons B-C
(Lower Level

Break w/Exhibitors

3:00 p.m. – 4:00 p.m.

Uncas Ballroom Salon A
(Lower Level)

Keynote: Next-Generation Marketing: Capturing the Hearts and Minds of Gen Z
Hana Ben-Shabat, Founder, Gen Z Planet

As the power of Gen Z consumers continues to rise, and their ability to disrupt becomes more evident, businesses will have to deploy different approaches to appeal to them. Next-generation consumers need next-generation marketing. This session is based on in-depth research and on Hana’s years of experience in advising some of the world’s leading brands, as well as on stories and best practice examples that she masterfully weaves in. You will be inspired by the opportunities Gen Z has to offer and be equipped with practical tools to capture their hearts and minds.

4:00 p.m. Hotel Check-In

4:30 p.m. – 5:30 p.m.

Uncas Ballroom Salons B-D
(Lower Level)

Welcome Reception 
7:00 p.m. Dinner on Your Own

 

Thursday, October 13, 2022

7:00 a.m. – 6:00 p.m.

Uncas Ballroom Foyer
(Lower Level)

Registration

7:00 a.m. – 8:00 a.m.

Uncas Ballroom Salon D
(Lower Level)

Breakfast

8:00 a.m. – 9:00 a.m.

Uncas Ballroom Salon A
(Lower Level)

Keynote: The Digital Banking Experience: A Generational Perspective
Allison Cerra, Chief Marketing Officer, Alkami

According to Forbes, nearly 80% of banked Americans prefer to do their banking via a website or mobile app. But what do consumers want when it comes to their digital banking experience and how do these preferences differ across generations? In this discussion, Alkami CMO Allison Cerra will share the results of a 2022 survey that explored what Gen Z, Millennials, Gen X, and Boomers expect from their digital banking provider. Moreover, Cerra will reveal where these generations see the future of banking evolving and how those perspectives align with regional and community financial institutions.

9:00 a.m. – 11:45 a.m.

Uncas Ballroom Salons B-C (Lower Level )

Exhibit Hall Open

9:00 a.m. – 9:30 a.m.

Uncas Ballroom Salons B-C (Lower Level )

Break w/Exhibitors

9:30 a.m. – 10:30 a.m.

Uncas Ballroom Salon A
(Lower Level)

Keynote: Economic Outlook
Lindsey Piegza, Ph.D., Managing Director, Chief Economist - Stifel, Nicolaus & Company, Inc.

Chief Economist Dr. Lindsey Piegza will look at the current state of the economy amid the ongoing pandemic and what it means going forward for overall growth, interest rates and monetary policy. She will cover macro-economic trends in consumer spending and investment, in addition to the new monetary and fiscal policy initiatives and the potential economic effects of these changes. She will also examine the changing global and political environment, and how it will affect the economic recovery. Participants will leave this session able to advise management teams on the possible effect of economic issues on their organizations.

11:45 a.m. – 1:15 p.m.

Uncas Ballroom Salon D3
(Lower Level)

Connecticut Awards Lunch
(CCUA Lunch is Separate)

1:30 p.m. – 2:30 p.m.

Passamaquoddy/Brothertown
(Meeting Rooms Lobby Level)

Learning Lab: Lending, Staying Relevant in a Digital World

Jeffrey Kane, Director, Lender Client Experience
Origence, A CU Direct Brand

Michael Kopp, Credit Union Sales Director
Origence, A CU Direct Brand

The automotive and other lending markets are rapidly changing along with consumer demand. The need for credit unions to stay relevant in a digital world to compete for loans is more important than ever. This session will help participants understand the current auto industry climate, the impact of EVs as well as other lending channels, while learning how credit unions can leverage digital and Fintech solutions to compete for market share.

1:30 p.m. – 2:30 p.m.

Nehantic/Pequot/Paugusset
(Meeting Rooms Lobby Level)

Learning Lab: NCUA Regulatory Update
Roy Gray, Supervisory Examiner, National Credit Union Administration (NCUA)

1:30 p.m. – 2:30 p.m.

Shinnecock/Nipmuc
(Meeting Rooms Lobby Level)
 

Learning Lab: Launching a Cannabis Banking Program
Panelists: 
Stephen King, Wolf & Co.; Susan Crum, Freedom CU
Moderator:
Tony Repanich, President & CEO, Shield Compliance

The cannabis industry is rapidly expanding in the Northeast as more states legalize sales for adult use. As the industry expands, so too does the need for additional banking services. Differences in state and federal laws is limiting the number of financial institutions willing to provide services, which creates a unique opportunity for credit unions to support legal cannabis businesses in this underserved market. This session will help participants:

  • Understand the cannabis banking business opportunity, including low-cost deposits, non-interest income, and earning assets.
  • Uncover risks beyond the BSA department and how to mitigate them.
  • Engage key stakeholders, including the board of directors, senior management, and compliance and operational teams.

Navigate a changing policy and regulatory landscape.

1:30 p.m. – 2:30 p.m.

Oneida/Penobscot
(Meeting Rooms Lobby Level)

Learning Lab: Big Data Big Climb-Conquering the World’s Tallest Freestanding Mountain and Your Credit Union Data
Anne Legg, Founder and Principal, THRIVE™ Strategic Services

Data is an incredible credit union asset and can be harnessed to improve members' lives. Unfortunately, connecting it to create actionable insights does not feel easy and can feel rather daunting, a bit like climbing the tallest, freestanding mountain on the planet.

Anne Legg, a recognized, award-winning industry expert, educator, member-centric data strategist who holds an MBA thesis on the credit union business model, and author of Big Data/Big Climb: A credit union playbook for leveraging data and talent to achieve revolutionary member relationships, will share how a credit union can climb both their data and Mt. Kilimanjaro.

In the fall of 2019, Anne summited Mt. Kilimanjaro (13,940 feet). She will share this experience and compare it to a credit union's data journey. You will enjoy this inspirational and entertaining narrative.

1:30 p.m. – 3:00 p.m.

Guest Activity

Pequot Museum Tour
Jonathan Edwards Winery

Pre-registration is required.

2:30 p.m. – 3:00 p.m.

Break

3:00 p.m. – 4:00 p.m.

Oneida/Penobscot
(Meeting Rooms Lobby Level)

Learning Lab: Crypto Perspectives – It’s Not Just About Bitcoin
Lou Grilli, Senior Innovation Strategist, PSCU

Despite the recent downturn in cryptocurrency prices that ushered in the current “crypto winter,” credit union members remain very interested and transactions in digital assets continue to grow. While current consumer focus remains primarily on speculative investing and short-term gains, where is the crypto market headed and what can credit unions expect in the future? In this session, PSCU’s Lou Grilli will explore the many parallels of crypto to the early days of the internet, along with a look ahead to future scenarios, including the use of blockchain in real estate.

3:00 p.m. – 4:00 p.m.

Passamaquoddy/Brothertown
(Meeting Rooms Lobby Level)

Learning Lab: How Internal Talent Mobility Creates Long-Term Leadership Excellence
Peter J Sullivan, Sr. Executive Benefit Specialist, CUNA Mutual Group

Research shows that a culture of “internal mobility” can help employers develop and retain better leaders who drive growth. This session will help your credit union break out of a top-down pyramid-shaped succession plan, and create a program that engages, retains, and develops your best talent.

3:00 p.m. – 4:00 p.m.

Shinnecock/Nipmuk
(Meeting Rooms Lobby Level)

Learning Lab: Creating Wellbeing for a Global Community
Yvonne Alston, CEO, Indelible Impressions

The world is becoming more global, and more communities are starting to reflect it. In fact, did you know that 61% of new credit union membership growth comes from multicultural consumers? Therefore, its critical to build greater intercultural competencies, empathy and compassion through the lens and adoption of diversity, equity, inclusion and belonging. Through this breakout session, you will better understand existing and potential membership, and help inform the delivery of products and services.


Join Yvonne Alston, CEO of Indelible Impressions for an #unapologeticallyauthentic, empathetic and compassionate conversation about how we can better value each other’s cultures, lived experiences and dimensions of diversity across business.

3:00 p.m. – 4:00 p.m.

Nehantic/Pequot/Paugussett
(Meeting Rooms Lobby Level) 

Learning Lab: Addressing the Biggest Threat to the Credit Union Industry

Sanjay Patel, Founder & CEO
Smart Hive

Mark Trinidad, Field CTO
Allure Security

Federal Reserve Chair Jerome Powell warns that cyberattacks present the foremost risk to the global financial system. Increasingly, cybercriminals have credit unions and their members in their sights, and new NCUA rules will require credit unions to report cyber incidents. Will your credit union survive an attack? How can you stay current on the latest threats, increase visibility into your risk profile, and more effectively protect your members? Join a lively discussion between two cybersecurity start-up CEOs as they present threat trends specific to credit unions, as well as how innovation can win the battle.

6:00 p.m. – 7:00 p.m.

Uncas Ballroom Foyer
(Lower Level)

Reception
7:00 p.m. Dinner On Your Own

 

Friday, October 14, 2022

7:00 a.m. – 11:00 a.m. 

Uncas Ballroom Foyer
(Lower Level)

Registration

7:00 a.m. – 8:30 a.m.

Uncas Ballroom Salon B
(Lower Level)

Breakfast

8:30 a.m. – 9:30 a.m.

Passamaquoddy/Brothertown
(Meeting Rooms Lobby Level)

Learning Lab: What Does Fixed Income Portfolio Management Entail? Fixed Income Portfolio Management Insights and Strategies

John Almeida, CFA, Institutional Fixed Income Sales Representative, Alloya Investment Services

What are the basic components of an investment portfolio strategy? How are calculated investment decisions made? What steps are involved in the risk management process when assessing a potential investment? Volatility in the fixed income and equity markets can make finding value a challenge for investors, but with the right tools and knowledge, credit unions can successfully create and maintain an optimized portfolio, even during times of uncertainty.
In this session, we will discuss some portfolio basics and various strategies that can be utilized during the everchanging monetary, economic and market environment. We will also discuss how credit unions can optimize their balance sheets and investment portfolios in what is likely to be a much more volatile and challenging environment moving forward.

8:30 a.m. – 9:30 a.m.

Oneida/Penobscot
(Meeting Rooms Lobby Level)

Learning Lab: Brace for Impact! Leveraging Non-QM Lending to Serve the Underserved
Ahmed Campbell, Director of Lending Development, Inclusive

Facing an ever-shifting housing market, CDFI and non-CDFI credit unions focus on non-traditional real-estate lending as a strategy, and a key success factor is critical. As the market of non-qualified real-estate borrowers rapidly increases, credit unions must position themselves with the programs to serve this emerging membership base effectively. How do you offer

Non-QM and ITIN first mortgages? Would you like to portfolio Non-QM and ITIN loans? Do you have a need for Non-QM and ITIN loans but not the staff?

This Learning Lab will focus on:

  • Building a bigger box, expanding your mortgage programs.
  • Connecting to the underserved members.
  • Creating a mission to reach underserved communities through strategic partnerships.
  • Revisiting the 5 Cs of Credit.
  • Porting Non-QM and ITIN loans
  • Servicing ITIN loans
  • Outsourcing ITIN loans

8:30 a.m. – 9:30 a.m.

Shinnecock/Nipmuc
(Meeting Rooms Lobby Level)

Learning Lab: BSA Training for Board Members
Judy Britt, VP Compliance, Credit Union League of Connecticut

Bank Secrecy Act (BSA) compliance remains high on the examiner’s list for all credit unions, so credit union volunteers need to be familiar with BSA requirements. While board members are not expected to be experts in every law or regulation impacting BSA/AML compliance, they are expected to be educated enough to understand and oversee their own compliance programs. Guidance from regulators and enforcement authorities makes clear that effective oversight requires knowledgeable and active engagement from directors. 

This training session provides a relevant overview of BSA including the specific actions that boards must actively keep up with, such as BSA policy, risk assessment, ongoing training, and Suspicious Activity Report filings.

8:30 a.m. – 9:30 a.m.

Nehantic/Pequot/Paugussett
(Meeting Rooms Lobby Level)

Learning Lab: The Evolution of Fintech Relationships in the Credit Union Industry

Moderator: Melissa Pomeroy, CRO, CCUA
A panel of credit union and technology experts

Initially, financial technology organizations (commonly referred to as “fintechs”) posed a perceived threat to credit unions and the industry. Known for their innovative solutions focusing on customer acquisition and retention, the potential that fintechs could weaken a member’s relationship with their credit union was a real – and valid – concern. However, over the past decade, the credit union industry has seen “fintech threat” evolve into “fintech opportunity”. Typically focusing on solving one or two specific industry problems, fintechs can apply focused innovation and expertise to build intuitive and easy-to-use solutions. In lieu of competing with them, credit unions of all sizes are leveraging fintech solutions to provide cutting edge, digital-first products to their membership.

While fintech growth presents opportunity for our industry, there are many challenges that credit unions face when initiating and managing their fintech relationships. The panel of credit union and technology experts will discuss some of these most prevalent challenges and offer insights and predictions regarding the evolution of fintechs in the industry.

9:30 a.m. – 10:00 a.m.

Uncas Ballroom Foyer
(Lower Level)

Break

10:00 a.m. – 11:00 a.m.

Uncas Ballroom Salon A
(Lower Level)

Closing Keynote: Alex Sheen - because I said I would

Alex Sheen is the Founder of “because I said I would.,” a social movement and nonprofit dedicated to bettering humanity through promises made and kept. Sparked by the loss of his father, Alex and his organization send “promise cards” to anyone anywhere in the world at no cost. Alex is someone who truly honors commitment. He once walked over 240 miles across the entire state of Ohio in 10 days to fulfill a promise. In just two years, “because I said I would.” has sent over 12.3 million promise cards to over 153 different countries. The promises written on these cards have made headlines around the world. Alex is a five-time Tedx Talk speaker and his charitable work has been featured on ABC World News with Diane SawyerCNNThe Today ShowNPRThe Los Angeles Times, and many other programs.

11:00 a.m. Hotel Check-Out

 

Pre-Conference Global Women's Society Meeting: October 11 - Learn More


Speaker Bios