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î T: +61 2 9229 1000 î F: +61 2 9223 2622 î registration@iqpc.com.au î www.creditriskmanagement.com.au
Reasons to attend
this conference:
î	Fully complying with CPS 220, RG 209,
	IFRS 9, Basel 4, CCR, and NCCP while
remaining competitive
î	Techniques for successful data management
and stress testing to minimise risk and
strengthen your credit portfolio
î	Understanding your customer to ensure
responsible lending
î	Forecasting the direction of the housing
	market and how it will impact your credit
lending policies
î	Working with senior management to develop
an effective risk appetite and maximise
business performance
Credit Risk Management
2016 will deliver:
Case Studies and best practice examples
from Australia’s leading credit risk
professionals from ANZ, NAB, CBA, Bendigo
Bank, Bank of Queensland and more..
Expert led discussion panels 
solution clinics on CPS 220, Stress
Testing, CCR and Basel 4
Countless networking opportunities
including speed networking, discussion
tables, networking breaks, lunches and a
cocktail evening
Interactive discussions to help you work
through the most pressing challenges
around regulations, new risk models,
and develop key strategies that you can
implement back on the job
TACKLING EMERGING REGULATION CHANGES IN A COMPETITIVE
CREDIT LENDING ENVIRONMENT
INTERNATIONAL GUEST SPEAKER
EXPERT SPEAKERS INCLUDE:
î 22  23 March 2016
î Novotel Sydney Central, NSW
Olivier Debliquy
Head Stress Test
Modelling,
ANZ
Paul Taylor
Head of Group Portfolio
Management  Policy,
Bank Of Queensland
Jack De Leeuw
Head of Risk
Measurement,
NAB
Peter Urmoneit
Head of Market Risk
 Liquidity Oversight,
Bendigo  Adelaide
Bank
Pieter Bierkens
Regulatory Strategist,
Commonwealth
Bank
Michael Blacker
Chief Risk Officer,
Police Bank Ltd
Jason West
Executive Manager,
Risk Analytics,
Suncorp
Neil Kenzler
Chief Risk Officer,
Teachers Mutual
Bank
Patrick Ashkettle
Chief Risk Officer,
Bank Australia
Bart Hellemans
Chief Risk Officer,
ING Bank
Damian Paull
CEO, Australasia
Retail Credit
Association
(ARCA)
Campbell Nicoll
Chief Risk Officer,
The Community
Mutual Group
Researched  Developed by:
Kevin Moss
Former Chief Risk Officer,
Consumer Lending Group,
Wells Fargo
Solution
Providers:
Media
Partner:
EA
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B
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S
PEC
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BEFO
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22
JAN
UARY
2016
AN
D
SAV
E
U
P
TO
$850!*
Earn Continuing Professional Development (CPD) points from the Australasian
Mutuals Institute by attending Credit Risk Management. Contact us to find out more email
enquire@iqpc.com.au or call 02 9229 1000.
Event
Partners:
Lanyard
Sponsor:
î T: +61 2 9229 1000 î F: +61 2 9223 2622 î registration@iqpc.com.au î www.creditriskmanagement.com.au
WELCOME
Dear Colleague,
Changing interest rates and a competitive lending
market have prompted the Australian Prudential
Regulation Authority (APRA), and Australian
Securities and Investments Commission (ASIC)
to significantly tighten rules around credit risk.
Key focuses on restrictions include re-evaluating
capital holding, and implementing risk strategies to
ensure responsible lending. To be compliant with
the regulatory changes, while remaining profitable,
requires a step change in the future of credit risk
management.
With this in mind, Finance IQ Credit Risk
Management 2016 will address current and
upcoming regulations, best practices for credit
risk management frameworks, credit portfolio
management tools including stress testing,
forecasting economic trends, credit data
management, and balancing the consumer
relationship with regulatory requirements.
Based on these developments and extensive
industry research, Finance IQ Australia has focused
our programme on the following key challenges:
î	Understanding and complying with emerging
regulations while remaining competitive (CPS
220, RG 209, IFRS 9, Basel 4, CCR, NCCP)
î	Addressing tools and techniques for minimising
risk and strengthening your credit portfolio
(stress testing, technology, data management)
î	Understanding your customer to ensure
responsible lending
î	Forecasting the direction of the housing market
and how it will impact your credit lending policies
î	Developing an effective risk appetite with
your board members to maximise business
performance
This conference will address current and
upcoming regulations, best practices for credit
risk management frameworks, credit portfolio
management, forecasting economic trends, credit
data management, risk culture, stress testing, and
balancing the consumer relationship. All this will
be presented by national and international leading
credit risk experts and you will take away key
strategies for successful credit management.
I look forward to seeing you next March in Sydney.
Kind regards,
Sophia Harris
Conference Producer
WHO WILL YOU MEET AT
CREDIT RISK MANAGEMENT?
Head/Director/Manager of:
î	 Chief Risk Officers
î	 Credit Risk Officers
î	 Head of Credit
î	 Senior Risk Analysts
î	 Credit Risk Analysts
î	 Head of Portfolio  Insight
THE EXPERT SPEAKER PANEL:
Kevin Moss
Former Chief Risk Officer,
Consumer Lending Group,
Wells Fargo
Chris Irwin
Head of Retail Credit
Risk – Strategy,
Scorecards  Policy, Bank
of Queensland
Paul Taylor
Head of Group Portfolio
Management  Policy,
Bank Of Queensland
Michael Blacker
Chief Risk Officer,
Police Bank Ltd
Damian Paull
CEO, Australian Retail
Credit Association
(ARCA)
Pieter Bierkens
Regulatory Strategist,
Commonwealth Bank
Campbell Nicoll
Chief Risk Officer,
The Community
Mutual Group
Olivier Debliquy
Head, Stress Test
Modelling, ANZ
Marie-Lise Theys
Head of Credit Risk, Credit
Union Australia Limited
Bart Hellemans
Chief Risk Officer,
ING Bank
Basil Foulkes
Chief Risk Officer,
AMP Bank
Patrick Ashkettle
Chief Risk Officer,
Bank Australia
Neil Kenzler
Chief Risk Officer,
Teachers Mutual Bank
Varun Nakra
Senior Credit Risk Analyst,
NAB
Richard Crawley-Boevey
Senior Specialist –
Quantitative Credit Risk,
Bendigo 
Adelaide Bank
Andrew Patterson
Head of Credit
Pepper
Matt Gijselman
Head of Government,
Regulatory  Industry
Affairs, Australian Retail
Credit Association
(ARCA)
Stefan Trueck
Professor,
Macquarie University
Poli Konstantinidis
Chief Operating Officer –
Consumer Risk,
Latitude Financial
Services
Jack De Leeuw
Head of Risk
Measurement, NAB
Peter Urmoneit
Head of Market Risk
 Liquidity Oversight,
Bendigo 
Adelaide Bank
Jason West
Executive Manager,
Risk Analytics, Suncorp
James Haviland
General Manager, Strategic
Risk Program, ME Bank
î T: +61 2 9229 1000 î F: +61 2 9223 2622 î registration@iqpc.com.au î www.creditriskmanagement.com.au
CONFERENCE DAY ONE
Tuesday, 22 March 2016
KEYNOTEPANELSESSION
	Panelists:
	 Kevin Moss, Former Chief Risk Officer, Consumer
Lending Group, Wells Fargo
	 Andrew Patterson, Head of Credit, Pepper
	 Damian Paull, CEO,
	 Australasia Retail Credit Association (ARCA)
12:10	How to Develop An Effective Risk Appetite With Your
Board Members to Maximise Business Performance
	Join this engaging session to identify what a positive
risk appetite looks like from the perspective of leading
industry professionals and take home strategies to get
the board involved.
	 •	Developing valuable workshops within the organisation
to maximise a strong risk appetite
	 •	Addressing CPS 220 and how this influences your
credit risk framework
	 •	Developing a ‘good’ risk appetite and what the
framework should encompass
	 •	Exploring the importance of efficient top-down
communication
	 •	Addressing tools and techniques for setting a strong
risk appetite aligned with board members
	 Campbell Nicoll, Chief Risk Officer,
	 The Community Mutual Group
12:50	 NETWORKING LUNCH
13:50	Forecasting The Direction of The Housing Market
And How It Will Impact Your Credit Lending Policies
	The housing bubble in Australia is an increasingly hot
topic. House prices are on a rise of 9.8 % with a national
price growth of 4.7 per cent between the March and June
quarter (Sydney Morning Herald, 22 September 2015).
	Join this engaging session to understand what this means
to credit lending and how this will affect our economic
market.
	 •	Discussing perspectives on the housing boom-will it be
a soft landing?
	 •	Addressing implications on how banks will deal with
expected losses in mortgage and housing
	 •	Analysing economic indicators to reduce risk
	 •	Addressing the significance of increasing capital to
minimize the risk of a housing downfall
	 Stefan Trueck, Professor, Macquarie University
14:30	Developing a Working Relationship With Regulators
To Anticipate Future Changes
	Forming relationships with financial regulatory agencies
are now almost as important as maintaining customer
relationships. This session will explore strategies for
maintaining a working relationship with regulators to use
them as a tool to define your path to success.
	 •	Understanding how to engage with regulators when
assessing risk frameworks
	 •	Discussing how to prioritise the regulations when
balancing commercial requirements
	 •	Addressing key areas of focus to maintain a healthy
relationship with regulators
	 Neil Kenzler, Chief Risk Officer, Teachers Mutual Bank
8:30	 Conference Registration and Arrival Coffee
9:00	Opening Remarks by IQPC Australia and the
Conference Chair
	 Campbell Nicoll, Chief Risk Officer, The Community 		
	 Mutual Group
9:10	Addressing Capital Requirements Through
Increasing Equity In a Competitive Environment
	The Australian Prudential Regulation Authority (APRA)
have announced an increase in the amount of capital
required for Australian residential mortgage exposures by
authorised deposit-taking institutions (ADIs) accredited
to use the internal ratings-based (IRB) approach to
credit risk. By joining this session you will gain an
understanding of the capital requirements and how they
will impact your risk strategies.
	 •	Addressing the uncertainty on how much capital is
required to hold
	 •	Analysing capital flooring and the implications it poses
	 •	Establishing how the changes will impact mortgages
lenders and tier 2 banks
	 •	Addressing the spiral effect in a competitive environment
	Peter Urmoneit, Head of Market Risk  Liquidity
Oversight, Bendigo  Adelaide Bank
9:50	 Solution Provider Thought Leadership Session
	*Please contact Damian Pigot on
	 sponsorbranding@iqpc.com.au for more information
10:20	 SPEED NETWORKING SESSION
	A structured interactive session designed to help you expand
your network through one-on-one focused conversations
	 *Facilitated by Conference Chair
11:00	 MORNING TEA AND NETWORKING BREAK
11:30	Addressing Changes in Comprehensive Credit
Reporting To Comply With RG 209 And Enable
Responsible Lending
	With ASIC’s requirements around comprehensive credit
reporting, credit lenders are to make full use of credit
bureaus to ensure accurate credit risk assessments, and
better judgments on the consumer, while complying with
new legislations to RG 209. This requires assessment
and implementation of new and existing risk models.
Join this interesting discussion to explore comprehensive
credit reporting and how it influences a step change into
the future of credit lending.
	 •	Discussing how the credit bureaus work in the lending
industry and how they can benefit your credit lending
	 •	Exploring the movement into positive credit reporting
and how this will strengthen your risk analysis and
refine your lending criteria
	 •	Debating on how data sharing across lenders will
influence an already competitive market
	 •	Addressing key tools and strategies to perform
comprehensive credit reporting
	Moderator:
	Campbel Nicoll, Credit Risk Officer, Community
Mutual Group
EXPERTCASESTUDY
î T: +61 2 9229 1000 î F: +61 2 9223 2622 î registration@iqpc.com.au î www.creditriskmanagement.com.au
CONFERENCE DAY ONE
Tuesday, 22 March 2016
CASESTUDYSOLUTIONS
CLINIC
15:10	 AFTERNOON TEA AND NETWORKING BREAK
15:40	Creating A Successful Credit Portfolio With Effective
Risk Management Models
	Now more than ever, organisations need to reduce
exposure to customers at risk. Ensuring credit policies
and monitoring practices are put in place will help spot
potential issues with new opportunities with existing
customers. This session will outline key challenges faced
around creating a credit profile, and how to implement
an effective risk management framework.
	 •	Addressing key tools and techniques to help you
manage your risks
	 •	Exploring examples of effective risk management
models
	 •	Focusing on stress testing models to maximise your
credit portfolio
	 •	Enabling your portfolio to respond more quickly to
volatile market conditions
	Richard Crawley-Boevey, Senior Specialist –
Quantitative Credit Risk, Bendigo  Adelaide Bank
16:20	 Champagne Solutions Clinic
	 Table 1: A Day In A Life Of A CRO
	 •	Examining key attributes to a successful Credit Risk
Manager
	 •	What are they key challenges you face in Credit Risk
Management?
	 •	How do you prioritise your work load?
	Facilitator:
	Campbell Nicoll, Chief Risk Officer, The Community
Mutual Group
	 Table 2: Addressing Key Regulation Challenges -
	How to Comply and Prioritise Within Your
Framework
	 •	What are the best strategies for priortising regulatory
changes?
	 •	How do the regulatory changes challenge you?
	 •	Discussing key regulation changes and how you are
priortising and working with them
	Facilitator:
	 Chris Irwin, Head of Retail Credit Risk – Strategy,
Scorecards  Policy, Bank of Queensland
	Table 3: Exploring How New Data is Changing The
Way Credit Risk Operates
	 •	Understanding how new data will impact your credit
risk management framework
	 •	Addressing industry changes in data and how it is
impacting the future of credit risk management
	 •	Exploring how data management will change your
credit lending policies
	 •	Creating value from customers by complying with
privacy legislations and data efficiency
	Facilitator:
	Matt Gijselman, Head of Government, Regulatory 
Industry Affairs, ARCA
17:00	 END OF DAY ONE
17:10	 NETWORKING DRINKS FOR ALL ATTENDEES
To meet those responsible for managing credit risk in a competitive lending
environment, and avoid missing out on the latest projects, contact the
Credit Risk Management team today to discuss sponsorship opportunities:
Damian Pigot
Ph: 02 9229 1050
E: sponsorbranding@iqpc.com.au
Exhibition and Sponsorship Opportunities are now Becoming Limited!
î T: +61 2 9229 1000 î F: +61 2 9223 2622 î registration@iqpc.com.au î www.creditriskmanagement.com.au
CONFERENCE DAY TWO
Wednesday, 23 March 2016
8:30	 Conference Registration and Arrival Coffee
9:00	 Opening Remarks from the Conference Chair
	 Campbell Nicoll, Chief Risk Officer, The Community 		
	 Mutual Group
9:10	Understanding the Challenges and Implications
of IFRS 9 For the Measurement of Credit Risk
Impairment
	For the measurement of impairment on financial assets,
IFRS 9 requires new expected loss based models.
Effective for annual reporting periods beginning on or
after 1 January 2018 (with early adoption permitted),
IFRS 9 poses significant business, financial and technical
challenges. This session reviews the latest considerations
and approaches relating to the adoption of IFRS9 for the
measurement of credit risk impairment by addressing
key challenges, practical experiences and industry
observations.
	 • Implementation and use of forward looking data in
assessing expected loss;
	 • Discussion of the challenges in relation to modelling
expected losses for IFRS 9 and weighing up the benefits
relative to the current IAS 39 incurred loss approach to
impairment;
	 • Discussion of industry approaches to preparing for the
new models;
	 • Addressing the regulatory view of models for IFRS 9.
	 Jack de Leeuw, Head of Risk Measurement, NAB
09:50	 New Zealand CCR Case Study - are scores really 		
	 stable through a CCR transition?
	 • What has recent international experience revealed?
	 • How can improved risk discrimination provided by CCR
help with regulatory issues?
	 • What are the implications of New Zealand experience on
Australia?
	
	 Marcus Bruhn, Principal Consultant, Veda Advisory 		
	Services
	 Stephen Johnson, Consultant, Veda Advisory Services
10:30	Reviewing Stress Testing Models To Determine Your
Risk Appetite
	The scale, complexity and scope of stress testing under
the Basel Committee and national regulators all impose
significant demands on banks. The ability to prioritise
effective risk models within your framework is crucial.
This session will overcome questions around stress-
testing and how others are managing their risk appetite.
	 •	Addressing stress testing scenarios and deciding which
one fits your appetite
	 •	Analysing international stress testing models and how
they forecast and respond to scenarios
	 •	Reviewing the prescriptive models to strengthen your
credit-lending practices
	 •	Developing collective provisions and understanding
how to evaluate risk restrictions
	Moderator:
	Kevin Moss, Former Chief Risk Officer, Consumer
Lending Group, Wells Fargo
EXPERTCASESTUDYEXPERTPANELSESSION
EXPERTPANELDISCUSSION
	Panelists:
	 Olivier Debliquy, Head, Stress Test Modelling, ANZ
	 Varun Nakra, Senior Credit Risk Analyst, NAB
	 Bart Hellemans, Chief Risk Officer, ING Bank
	 Basel Foulkes, Chief Risk Officer, AMP Bank
11:10	 MORNING TEA AND NETWORKING BREAK
11:340	Optimising New Technologies To Improve Your
Credit Risk Management
	Successful administration of new technologies and
customer data are enablers for efficient risk management.
Data collected at lending origination remains useful for
ongoing stress testing and portfolio risk management and
good practice suggests that this data should be retained
as material value. Join this interesting session to take
home tools and techniques to effectively make use of your
data and new technology platforms.
	 •	Underlining best practices for maximising the use of
your technology
	 •	Addressing common technology questions and
misconceptions
	 •	Gaining key understandings of how other organisations
are using their technology sources
	 •	Adapting to new technology changes and tools to
effectively enhance your data collecting
	 •	Exploring how technology can advance credit-decisioning
	 Jason West, Executive Manager, Risk Analytics, Suncorp
12:20	Exploring Basel 4 Implications To Successfully Apply
The ‘One Size Fits All’ Approach
	The global economic crisis has influenced restructuring
in the approach to risk and regulation in the financial
sector, which has required the Basel committee to set
new regulations around credit lending and assessing
risk. The impact of Basel 4 remains unclear, and early
analysis, strategic evaluation and planning is crucial for
successful implementation, and to determine how it will
affect your organisation. Join this insightful discussion on
Basel 4 implications, and how other leading professionals
are preparing for the new models.
	 •	Underlining the impact of Basel 4 developments and
how other companies are preparing for the changes
	 •	Addressing the costs involved in implementing the
standardised approach
	 •	Discussing the imposed calculation of risk-weighted
assets (RWA) and how this will influence banking
competition
	 •	Preparing for Basel 4 - Exploring models to assess what
impact the regulations will have within your company
	 •	Exploring the LVR restrictions and the implications it holds
	Moderator:
	 Patrick Ashkettle, Chief Risk Officer, Bank Australia
	Panelists:
	 Michael Blacker, Chief Risk Officer, Police Banks Ltd
	 Jack De Leeuw, Head of Risk Measurement, NAB
	Paul Taylor, Head of Group Portfolio Management 
Policy, Bank of Queensland
	 Peter Urmoneit, Head of Market Risk  Liquidity
Oversight, Bendigo  Adelaide Bank
î T: +61 2 9229 1000 î F: +61 2 9223 2622 î registration@iqpc.com.au î www.creditriskmanagement.com.au
	 Table 3: Regulatory Reform and the Management
	 of Market Liquidity Risk
	Facilitator:
	 Pieter Bierkens, Regulatory Strategist,
	 Commonwealth Bank
15:10	 AFTERNOON TEA AND NETWORKING BREAK
15:40	A Debate: How Will Comprehensive Credit
Reporting Affect Your Competitive Position?
	 •	Exploring the impact of comprehensive credit reporting
and the ability to analyse your data
	 •	Looking into comprehensive credit reporting from an
industry wide perspective and the influence it has on
your risk book
	 •	Collecting data and what this will mean for our future in
credit risk management
	 •	Understanding how bureaus can be a useful tool in
credit scoring
	 •	Sharing data across banks – Exploring thoughts on
how this will effect a competitive advantage or working
together to reduce risk
	Moderator:
	 Damian Paull, CEO,
	 Australian Retail Credit Association (ARCA)
	Speakers:
	 Poli Konstantinidis, Chief Operating Officer – Consumer
Risk, Latitude Financial Services
	 James Haviland, General Manager,
	 Strategic Risk Program, ME Bank
16:20	 MAIN CONFERENCE CLOSE
CONFERENCE DAY TWO
Wednesday, 23 March 2016
CRASHCOURSE
13:00	 NETWORKING LUNCH
14:00	How are you complying with CPS 220 and
effectively working with your board?
	 •	What are the challenges with communicating with you
board?
	 •	What are the best strategies for implementing a
process to effectively communicate and set frameworks
	 •	How can we ensure that the board is setting the right
appetite?
	 Michael Blacker, Chief Risk Officer, Police Banks Ltd
14:30	 Roundtable discussion
	Break into 3 groups and discuss the following topics in
detail. Each discussion topic will focus on the topic they
choose to participate in. After 20 minutes of discussion,
each group will have one member present the major
themes that were discussed in the session.
	Moderator:
	 Conference Chair
	Table 1: Exploring the Overall Challenges and
Opportunities Within the Credit Risk Industry
	Facilitator:
	 Andrew Patterson, Head of Credit, Pepper
	Table 2: Identifying Modeling Techniques to
Strengthen Your Portfolio
	Facilitator:
	 Neil Kenzler, Chief Risk Officer, Teachers Mutual Bank
Vector Risk provides a cloud-based post-trade risk
management service for banks, corporates and financial
institutions that trade derivatives (ETO/OTC). The service
includes market risk (VaR, stress testing, ES, stress VaR
and FRTB), credit risk (PFE, EPE for IMM and xVA (CVA,
DVA, FVA, etc.), loan impairment, hedge effectiveness and
margining calculations for active risk (limit) management and
regulatory reporting. The service includes integrated market and reference
data and true multitenancy afford unrivalled cost of ownership.
Veda is a data analytics company and the leading
provider of credit information and analysis in
Australia and New Zealand. From its core credit
bureau business established in 1967, Veda has
expanded to deliver a suite of credit and other analytical products targeted
to consumers and specific industry segments. Veda’s customers use data
intelligence provided by Veda to make decisions on credit risk, verify identity
and employee background, reduce identity theft and fraud, and undertake
digital marketing strategies.
About our sponsors:
Established in 1887, Dun  Bradstreet is
Australia and New Zealand's longest-
established credit information bureau. Backed by its extensive database,
Dun  Bradstreet helps businesses to make informed credit decisions, and
consumers to access personal credit information. Dun  Bradstreet works
across the entire credit lifecycle to deliver data-driven solutions in sales
and marketing, credit reporting and debt management. Through analysis
of financial and behavioural information, Dun  Bradstreet also provides
current and predictive assessments of the economy, business conditions
and credit activity.
Established in 2004, Decision Intellect is now one
of the largest providers of credit risk solutions in
the Australasian region. The business provides
its leading Inteflow solution to a wide range of businesses through both a
license and software as a service model. This is complimented with a highly
knowledgeable and experienced analytical team who are leaders in both
credit risk modelling and also comprehensive reporting.  Decision Intellect is
part of the Dun  Bradstreet group.
Bureau van Dijk are experts in public and private
company information, and offer information on 180
million entities around the globe and domestically.
BvD have tailor-made solutions for helping ADIs (Authorised Deposit-taking
Institutions) and other credit teams manage counterparty credit risk. Our
credit risk platform will ensure you have robust insights to help you meet
regulatory requirements, and run your business with minimal risk.
î T: +61 2 9229 1000 î F: +61 2 9223 2622 î registration@iqpc.com.au î www.creditriskmanagement.com.au
PRE-CONFERENCE DAY WORKSHOP
Monday, 21 March 2016
Tackling the Future of
Comprehensive Credit Reporting To
Gain a Competitive Position
Recent changes in legislations and ASICs requirements around
comprehensive credit reporting have enabled credit bureaus to
play a critical role in managing credit risk and how you analyse
your consumer. Comprehensive credit reporting will provide
richer information on a customer’s history around payment
performance and levels of commitment, enabling responsible
lending and reducing credit risk. Join this engaging workshop to
help you gain a deeper understanding into comprehensive credit
reporting and how it will help you survive in a competitive credit
lending environment.
What the workshop will cover:
•	Developing strategies to effectively use positive credit scoring
•	Analysing and addressing international examples of
comprehensive credit reporting
•	Addressing data management and how to successfully collect
and analyse data
•	Exploring the costs and benefits involved
•	Exploring how positive reporting will impact credit risk
management
How you will benefit:
•	Understanding how comprehensive credit reporting will impact
your competitive position
•	You will gain strategies to effectively package data for transfer
•	You will maximise your engagement with credit beauros in
Australia and use them as a toll to define success
•	Understanding RG 209 and how it will affect your credit
reporting
Matt Gijselman, Head of Government, Regulatory  Industry
Affairs, Australian Retail Credit Association (ARCA)
Michael Blacker, Chief Risk Officer, Police Bank Ltd
Successfully Complying with CPS
220 – Strategic Steps to Managing
Communication With Your Board
Members
New changes to CPS 220 is to require the Board of Directors of
each APRA-regulated institution to ensure that the organisation
has in place a risk management framework that includes
strategic and business planning, a risk appetite statement, and
a risk management function. Join this engaging workshop to
take home strategies on getting the board involved, and how to
engage in effective communication with key board members to
maximise a strong risk culture.
What the workshop will cover:
•	How to ensure that your Board is properly briefed on the
limitations and assumptions relating to any models used to
measure the components of risk
•	Approaches to assisting the Board to modify strategy and
business planning to accommodate new requirements in risk
management strategy and risk-sensitive business plans
•	Unique methods for supporting the Board to ensure that the
three lines of defence are firmly in place and working properly
with an effective review process
How you will benefit:
•	You will gain techniques on how to create valuable workshops
that create meaning and efficiency
•	You will take home key strategies on how to communicate
effectively with board members
•	You will be able to identify the needs of your board members
and how this is prioritised within your workload
•	You will gain valuable review processes that will meet your
board requirements and how this is to be communicated
Campbell Nicoll, Chief Risk Officer,
The Community Mutual Group
C |
1:30PM – 3:30PM
D |
4:00PM – 6:00PM
Register Early  Save!
o	REGISTER ME for Credit Risk Management 2016 PLUS:
o Workshops: oC oD
QUICK and EASY WAYS to REGISTER
FAX +61 2 9223 2622
WEBSITE www.creditriskmanagement.com.au
MAIL	 IQPC, Level 6, 25 Bligh Street,
	 SYDNEY NSW 2000
NOTE: PAYMENT IS DUE WITHIN 7 DAYS FROM REGISTRATION TO SECURE YOUR PLACE. Registrations received without payment
or a Government PO will incur a processing fee of $99+GST = $108.90 per registration. Payment prior to the conference is mandatory
for attendance. Payment includes lunches, refreshments, a copy of conference presentations via FTP website or workbook and all
meeting materials. If payment has not been received two weeks before the conference, a credit card hold will be taken and processed.
This card will be refunded once alternate payment has been received.
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© 2015 IQPC ABN 92 071 142 446 All RIGHTS RESERVED. The format, design, content and arrangement
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STANDARD
PACKAGES
EXTRA EARLY BIRD
*Register  pay before
22 January 2016
EARLY BIRD
*Register  pay before
4 March 2016
STANDARD PRICE
Conference + 3 Workshops $4649 + GST = $5113.90 $4949 + GST = $5443.90 $5099 + GST = $5608.90
Conference + 2 Workshops $4299 + GST = $4728.90 $4599 + GST = $5058.90 $4699 + GST = $5168.90
Conference + 1 Workshop $3899 + GST = $4288.90 $4199 + GST = $4618.90 $4299 + GST = $4728.90
Conference Only $3299 + GST = $3628.90 $3599 + GST = $3958.90 $3699 + GST = $4068.90
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*	 All 'Early Bird' discounts require payment at time of registration and before the cut-off date in order to receive any discount.
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*	 All discount offers cannot be combined with any other offer.
Please note: Workshops = 1 Module each; Focus Day = 2 Modules
ACCOMMODATION
Novotel Sydney Central is
the official venue for Credit
Risk Management 2016, and
we have negotiated special
rates for attendees of this
event.
To take advantage of these
rates, contact the hotel and
quote: IQPC or go to www.
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au and click on the Venue and
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WHERE
Novotel Sydney, NSW
WHEN?
Main Conference:
22  23 March 2016
Workshop:
21 March 2016
WHERE  WHEN?
TELEPHONE +61 2 9229 1000
EMAIL registration@iqpc.com.au
TEAM DISCOUNTS
IQPC recognises the value of learning in teams. Take advantage of
one of these special rates:
Œ	Register a team of 2 to the conference at the same time from 	
	 the same company and receive a 5% discount
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	 time from the same company and receive a 15% discount
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	 time from the same company and receive a 20% discount
			
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	 time from the same company and receive a 25% discount
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	 more details
Please note: Only one discount applies
•	 Convert team learning into
	 practical business strategy
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	 seating and networking support.
To qualify:
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the standard conference rate**
You receive:
•	 Exclusive full-day use of a private room within the conference
	venue
•	 Networking support  facilitated introductions from the IQPC
	 team throughout the event
•	 Morning and afternoon refreshments catered
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* (Not available for service providers) **(No discounts can be applied)
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DELEGATE 1
APPROVING MANAGER
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TACKLING EMERGING
REGULATION CHANGES
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LENDING ENVIRONMENT
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Credit Risk-Web10i

  • 1. î T: +61 2 9229 1000 î F: +61 2 9223 2622 î registration@iqpc.com.au î www.creditriskmanagement.com.au Reasons to attend this conference: î Fully complying with CPS 220, RG 209, IFRS 9, Basel 4, CCR, and NCCP while remaining competitive î Techniques for successful data management and stress testing to minimise risk and strengthen your credit portfolio î Understanding your customer to ensure responsible lending î Forecasting the direction of the housing market and how it will impact your credit lending policies î Working with senior management to develop an effective risk appetite and maximise business performance Credit Risk Management 2016 will deliver: Case Studies and best practice examples from Australia’s leading credit risk professionals from ANZ, NAB, CBA, Bendigo Bank, Bank of Queensland and more.. Expert led discussion panels solution clinics on CPS 220, Stress Testing, CCR and Basel 4 Countless networking opportunities including speed networking, discussion tables, networking breaks, lunches and a cocktail evening Interactive discussions to help you work through the most pressing challenges around regulations, new risk models, and develop key strategies that you can implement back on the job TACKLING EMERGING REGULATION CHANGES IN A COMPETITIVE CREDIT LENDING ENVIRONMENT INTERNATIONAL GUEST SPEAKER EXPERT SPEAKERS INCLUDE: î 22 23 March 2016 î Novotel Sydney Central, NSW Olivier Debliquy Head Stress Test Modelling, ANZ Paul Taylor Head of Group Portfolio Management Policy, Bank Of Queensland Jack De Leeuw Head of Risk Measurement, NAB Peter Urmoneit Head of Market Risk Liquidity Oversight, Bendigo Adelaide Bank Pieter Bierkens Regulatory Strategist, Commonwealth Bank Michael Blacker Chief Risk Officer, Police Bank Ltd Jason West Executive Manager, Risk Analytics, Suncorp Neil Kenzler Chief Risk Officer, Teachers Mutual Bank Patrick Ashkettle Chief Risk Officer, Bank Australia Bart Hellemans Chief Risk Officer, ING Bank Damian Paull CEO, Australasia Retail Credit Association (ARCA) Campbell Nicoll Chief Risk Officer, The Community Mutual Group Researched Developed by: Kevin Moss Former Chief Risk Officer, Consumer Lending Group, Wells Fargo Solution Providers: Media Partner: EA R LY B IR D S PEC IA L BO O K BEFO RE 22 JAN UARY 2016 AN D SAV E U P TO $850!* Earn Continuing Professional Development (CPD) points from the Australasian Mutuals Institute by attending Credit Risk Management. Contact us to find out more email enquire@iqpc.com.au or call 02 9229 1000. Event Partners: Lanyard Sponsor:
  • 2. î T: +61 2 9229 1000 î F: +61 2 9223 2622 î registration@iqpc.com.au î www.creditriskmanagement.com.au WELCOME Dear Colleague, Changing interest rates and a competitive lending market have prompted the Australian Prudential Regulation Authority (APRA), and Australian Securities and Investments Commission (ASIC) to significantly tighten rules around credit risk. Key focuses on restrictions include re-evaluating capital holding, and implementing risk strategies to ensure responsible lending. To be compliant with the regulatory changes, while remaining profitable, requires a step change in the future of credit risk management. With this in mind, Finance IQ Credit Risk Management 2016 will address current and upcoming regulations, best practices for credit risk management frameworks, credit portfolio management tools including stress testing, forecasting economic trends, credit data management, and balancing the consumer relationship with regulatory requirements. Based on these developments and extensive industry research, Finance IQ Australia has focused our programme on the following key challenges: î Understanding and complying with emerging regulations while remaining competitive (CPS 220, RG 209, IFRS 9, Basel 4, CCR, NCCP) î Addressing tools and techniques for minimising risk and strengthening your credit portfolio (stress testing, technology, data management) î Understanding your customer to ensure responsible lending î Forecasting the direction of the housing market and how it will impact your credit lending policies î Developing an effective risk appetite with your board members to maximise business performance This conference will address current and upcoming regulations, best practices for credit risk management frameworks, credit portfolio management, forecasting economic trends, credit data management, risk culture, stress testing, and balancing the consumer relationship. All this will be presented by national and international leading credit risk experts and you will take away key strategies for successful credit management. I look forward to seeing you next March in Sydney. Kind regards, Sophia Harris Conference Producer WHO WILL YOU MEET AT CREDIT RISK MANAGEMENT? Head/Director/Manager of: î Chief Risk Officers î Credit Risk Officers î Head of Credit î Senior Risk Analysts î Credit Risk Analysts î Head of Portfolio Insight THE EXPERT SPEAKER PANEL: Kevin Moss Former Chief Risk Officer, Consumer Lending Group, Wells Fargo Chris Irwin Head of Retail Credit Risk – Strategy, Scorecards Policy, Bank of Queensland Paul Taylor Head of Group Portfolio Management Policy, Bank Of Queensland Michael Blacker Chief Risk Officer, Police Bank Ltd Damian Paull CEO, Australian Retail Credit Association (ARCA) Pieter Bierkens Regulatory Strategist, Commonwealth Bank Campbell Nicoll Chief Risk Officer, The Community Mutual Group Olivier Debliquy Head, Stress Test Modelling, ANZ Marie-Lise Theys Head of Credit Risk, Credit Union Australia Limited Bart Hellemans Chief Risk Officer, ING Bank Basil Foulkes Chief Risk Officer, AMP Bank Patrick Ashkettle Chief Risk Officer, Bank Australia Neil Kenzler Chief Risk Officer, Teachers Mutual Bank Varun Nakra Senior Credit Risk Analyst, NAB Richard Crawley-Boevey Senior Specialist – Quantitative Credit Risk, Bendigo Adelaide Bank Andrew Patterson Head of Credit Pepper Matt Gijselman Head of Government, Regulatory Industry Affairs, Australian Retail Credit Association (ARCA) Stefan Trueck Professor, Macquarie University Poli Konstantinidis Chief Operating Officer – Consumer Risk, Latitude Financial Services Jack De Leeuw Head of Risk Measurement, NAB Peter Urmoneit Head of Market Risk Liquidity Oversight, Bendigo Adelaide Bank Jason West Executive Manager, Risk Analytics, Suncorp James Haviland General Manager, Strategic Risk Program, ME Bank
  • 3. î T: +61 2 9229 1000 î F: +61 2 9223 2622 î registration@iqpc.com.au î www.creditriskmanagement.com.au CONFERENCE DAY ONE Tuesday, 22 March 2016 KEYNOTEPANELSESSION Panelists: Kevin Moss, Former Chief Risk Officer, Consumer Lending Group, Wells Fargo Andrew Patterson, Head of Credit, Pepper Damian Paull, CEO, Australasia Retail Credit Association (ARCA) 12:10 How to Develop An Effective Risk Appetite With Your Board Members to Maximise Business Performance Join this engaging session to identify what a positive risk appetite looks like from the perspective of leading industry professionals and take home strategies to get the board involved. • Developing valuable workshops within the organisation to maximise a strong risk appetite • Addressing CPS 220 and how this influences your credit risk framework • Developing a ‘good’ risk appetite and what the framework should encompass • Exploring the importance of efficient top-down communication • Addressing tools and techniques for setting a strong risk appetite aligned with board members Campbell Nicoll, Chief Risk Officer, The Community Mutual Group 12:50 NETWORKING LUNCH 13:50 Forecasting The Direction of The Housing Market And How It Will Impact Your Credit Lending Policies The housing bubble in Australia is an increasingly hot topic. House prices are on a rise of 9.8 % with a national price growth of 4.7 per cent between the March and June quarter (Sydney Morning Herald, 22 September 2015). Join this engaging session to understand what this means to credit lending and how this will affect our economic market. • Discussing perspectives on the housing boom-will it be a soft landing? • Addressing implications on how banks will deal with expected losses in mortgage and housing • Analysing economic indicators to reduce risk • Addressing the significance of increasing capital to minimize the risk of a housing downfall Stefan Trueck, Professor, Macquarie University 14:30 Developing a Working Relationship With Regulators To Anticipate Future Changes Forming relationships with financial regulatory agencies are now almost as important as maintaining customer relationships. This session will explore strategies for maintaining a working relationship with regulators to use them as a tool to define your path to success. • Understanding how to engage with regulators when assessing risk frameworks • Discussing how to prioritise the regulations when balancing commercial requirements • Addressing key areas of focus to maintain a healthy relationship with regulators Neil Kenzler, Chief Risk Officer, Teachers Mutual Bank 8:30 Conference Registration and Arrival Coffee 9:00 Opening Remarks by IQPC Australia and the Conference Chair Campbell Nicoll, Chief Risk Officer, The Community Mutual Group 9:10 Addressing Capital Requirements Through Increasing Equity In a Competitive Environment The Australian Prudential Regulation Authority (APRA) have announced an increase in the amount of capital required for Australian residential mortgage exposures by authorised deposit-taking institutions (ADIs) accredited to use the internal ratings-based (IRB) approach to credit risk. By joining this session you will gain an understanding of the capital requirements and how they will impact your risk strategies. • Addressing the uncertainty on how much capital is required to hold • Analysing capital flooring and the implications it poses • Establishing how the changes will impact mortgages lenders and tier 2 banks • Addressing the spiral effect in a competitive environment Peter Urmoneit, Head of Market Risk Liquidity Oversight, Bendigo Adelaide Bank 9:50 Solution Provider Thought Leadership Session *Please contact Damian Pigot on sponsorbranding@iqpc.com.au for more information 10:20 SPEED NETWORKING SESSION A structured interactive session designed to help you expand your network through one-on-one focused conversations *Facilitated by Conference Chair 11:00 MORNING TEA AND NETWORKING BREAK 11:30 Addressing Changes in Comprehensive Credit Reporting To Comply With RG 209 And Enable Responsible Lending With ASIC’s requirements around comprehensive credit reporting, credit lenders are to make full use of credit bureaus to ensure accurate credit risk assessments, and better judgments on the consumer, while complying with new legislations to RG 209. This requires assessment and implementation of new and existing risk models. Join this interesting discussion to explore comprehensive credit reporting and how it influences a step change into the future of credit lending. • Discussing how the credit bureaus work in the lending industry and how they can benefit your credit lending • Exploring the movement into positive credit reporting and how this will strengthen your risk analysis and refine your lending criteria • Debating on how data sharing across lenders will influence an already competitive market • Addressing key tools and strategies to perform comprehensive credit reporting Moderator: Campbel Nicoll, Credit Risk Officer, Community Mutual Group EXPERTCASESTUDY
  • 4. î T: +61 2 9229 1000 î F: +61 2 9223 2622 î registration@iqpc.com.au î www.creditriskmanagement.com.au CONFERENCE DAY ONE Tuesday, 22 March 2016 CASESTUDYSOLUTIONS CLINIC 15:10 AFTERNOON TEA AND NETWORKING BREAK 15:40 Creating A Successful Credit Portfolio With Effective Risk Management Models Now more than ever, organisations need to reduce exposure to customers at risk. Ensuring credit policies and monitoring practices are put in place will help spot potential issues with new opportunities with existing customers. This session will outline key challenges faced around creating a credit profile, and how to implement an effective risk management framework. • Addressing key tools and techniques to help you manage your risks • Exploring examples of effective risk management models • Focusing on stress testing models to maximise your credit portfolio • Enabling your portfolio to respond more quickly to volatile market conditions Richard Crawley-Boevey, Senior Specialist – Quantitative Credit Risk, Bendigo Adelaide Bank 16:20 Champagne Solutions Clinic Table 1: A Day In A Life Of A CRO • Examining key attributes to a successful Credit Risk Manager • What are they key challenges you face in Credit Risk Management? • How do you prioritise your work load? Facilitator: Campbell Nicoll, Chief Risk Officer, The Community Mutual Group Table 2: Addressing Key Regulation Challenges - How to Comply and Prioritise Within Your Framework • What are the best strategies for priortising regulatory changes? • How do the regulatory changes challenge you? • Discussing key regulation changes and how you are priortising and working with them Facilitator: Chris Irwin, Head of Retail Credit Risk – Strategy, Scorecards Policy, Bank of Queensland Table 3: Exploring How New Data is Changing The Way Credit Risk Operates • Understanding how new data will impact your credit risk management framework • Addressing industry changes in data and how it is impacting the future of credit risk management • Exploring how data management will change your credit lending policies • Creating value from customers by complying with privacy legislations and data efficiency Facilitator: Matt Gijselman, Head of Government, Regulatory Industry Affairs, ARCA 17:00 END OF DAY ONE 17:10 NETWORKING DRINKS FOR ALL ATTENDEES To meet those responsible for managing credit risk in a competitive lending environment, and avoid missing out on the latest projects, contact the Credit Risk Management team today to discuss sponsorship opportunities: Damian Pigot Ph: 02 9229 1050 E: sponsorbranding@iqpc.com.au Exhibition and Sponsorship Opportunities are now Becoming Limited!
  • 5. î T: +61 2 9229 1000 î F: +61 2 9223 2622 î registration@iqpc.com.au î www.creditriskmanagement.com.au CONFERENCE DAY TWO Wednesday, 23 March 2016 8:30 Conference Registration and Arrival Coffee 9:00 Opening Remarks from the Conference Chair Campbell Nicoll, Chief Risk Officer, The Community Mutual Group 9:10 Understanding the Challenges and Implications of IFRS 9 For the Measurement of Credit Risk Impairment For the measurement of impairment on financial assets, IFRS 9 requires new expected loss based models. Effective for annual reporting periods beginning on or after 1 January 2018 (with early adoption permitted), IFRS 9 poses significant business, financial and technical challenges. This session reviews the latest considerations and approaches relating to the adoption of IFRS9 for the measurement of credit risk impairment by addressing key challenges, practical experiences and industry observations. • Implementation and use of forward looking data in assessing expected loss; • Discussion of the challenges in relation to modelling expected losses for IFRS 9 and weighing up the benefits relative to the current IAS 39 incurred loss approach to impairment; • Discussion of industry approaches to preparing for the new models; • Addressing the regulatory view of models for IFRS 9. Jack de Leeuw, Head of Risk Measurement, NAB 09:50 New Zealand CCR Case Study - are scores really stable through a CCR transition? • What has recent international experience revealed? • How can improved risk discrimination provided by CCR help with regulatory issues? • What are the implications of New Zealand experience on Australia? Marcus Bruhn, Principal Consultant, Veda Advisory Services Stephen Johnson, Consultant, Veda Advisory Services 10:30 Reviewing Stress Testing Models To Determine Your Risk Appetite The scale, complexity and scope of stress testing under the Basel Committee and national regulators all impose significant demands on banks. The ability to prioritise effective risk models within your framework is crucial. This session will overcome questions around stress- testing and how others are managing their risk appetite. • Addressing stress testing scenarios and deciding which one fits your appetite • Analysing international stress testing models and how they forecast and respond to scenarios • Reviewing the prescriptive models to strengthen your credit-lending practices • Developing collective provisions and understanding how to evaluate risk restrictions Moderator: Kevin Moss, Former Chief Risk Officer, Consumer Lending Group, Wells Fargo EXPERTCASESTUDYEXPERTPANELSESSION EXPERTPANELDISCUSSION Panelists: Olivier Debliquy, Head, Stress Test Modelling, ANZ Varun Nakra, Senior Credit Risk Analyst, NAB Bart Hellemans, Chief Risk Officer, ING Bank Basel Foulkes, Chief Risk Officer, AMP Bank 11:10 MORNING TEA AND NETWORKING BREAK 11:340 Optimising New Technologies To Improve Your Credit Risk Management Successful administration of new technologies and customer data are enablers for efficient risk management. Data collected at lending origination remains useful for ongoing stress testing and portfolio risk management and good practice suggests that this data should be retained as material value. Join this interesting session to take home tools and techniques to effectively make use of your data and new technology platforms. • Underlining best practices for maximising the use of your technology • Addressing common technology questions and misconceptions • Gaining key understandings of how other organisations are using their technology sources • Adapting to new technology changes and tools to effectively enhance your data collecting • Exploring how technology can advance credit-decisioning Jason West, Executive Manager, Risk Analytics, Suncorp 12:20 Exploring Basel 4 Implications To Successfully Apply The ‘One Size Fits All’ Approach The global economic crisis has influenced restructuring in the approach to risk and regulation in the financial sector, which has required the Basel committee to set new regulations around credit lending and assessing risk. The impact of Basel 4 remains unclear, and early analysis, strategic evaluation and planning is crucial for successful implementation, and to determine how it will affect your organisation. Join this insightful discussion on Basel 4 implications, and how other leading professionals are preparing for the new models. • Underlining the impact of Basel 4 developments and how other companies are preparing for the changes • Addressing the costs involved in implementing the standardised approach • Discussing the imposed calculation of risk-weighted assets (RWA) and how this will influence banking competition • Preparing for Basel 4 - Exploring models to assess what impact the regulations will have within your company • Exploring the LVR restrictions and the implications it holds Moderator: Patrick Ashkettle, Chief Risk Officer, Bank Australia Panelists: Michael Blacker, Chief Risk Officer, Police Banks Ltd Jack De Leeuw, Head of Risk Measurement, NAB Paul Taylor, Head of Group Portfolio Management Policy, Bank of Queensland Peter Urmoneit, Head of Market Risk Liquidity Oversight, Bendigo Adelaide Bank
  • 6. î T: +61 2 9229 1000 î F: +61 2 9223 2622 î registration@iqpc.com.au î www.creditriskmanagement.com.au Table 3: Regulatory Reform and the Management of Market Liquidity Risk Facilitator: Pieter Bierkens, Regulatory Strategist, Commonwealth Bank 15:10 AFTERNOON TEA AND NETWORKING BREAK 15:40 A Debate: How Will Comprehensive Credit Reporting Affect Your Competitive Position? • Exploring the impact of comprehensive credit reporting and the ability to analyse your data • Looking into comprehensive credit reporting from an industry wide perspective and the influence it has on your risk book • Collecting data and what this will mean for our future in credit risk management • Understanding how bureaus can be a useful tool in credit scoring • Sharing data across banks – Exploring thoughts on how this will effect a competitive advantage or working together to reduce risk Moderator: Damian Paull, CEO, Australian Retail Credit Association (ARCA) Speakers: Poli Konstantinidis, Chief Operating Officer – Consumer Risk, Latitude Financial Services James Haviland, General Manager, Strategic Risk Program, ME Bank 16:20 MAIN CONFERENCE CLOSE CONFERENCE DAY TWO Wednesday, 23 March 2016 CRASHCOURSE 13:00 NETWORKING LUNCH 14:00 How are you complying with CPS 220 and effectively working with your board? • What are the challenges with communicating with you board? • What are the best strategies for implementing a process to effectively communicate and set frameworks • How can we ensure that the board is setting the right appetite? Michael Blacker, Chief Risk Officer, Police Banks Ltd 14:30 Roundtable discussion Break into 3 groups and discuss the following topics in detail. Each discussion topic will focus on the topic they choose to participate in. After 20 minutes of discussion, each group will have one member present the major themes that were discussed in the session. Moderator: Conference Chair Table 1: Exploring the Overall Challenges and Opportunities Within the Credit Risk Industry Facilitator: Andrew Patterson, Head of Credit, Pepper Table 2: Identifying Modeling Techniques to Strengthen Your Portfolio Facilitator: Neil Kenzler, Chief Risk Officer, Teachers Mutual Bank Vector Risk provides a cloud-based post-trade risk management service for banks, corporates and financial institutions that trade derivatives (ETO/OTC). The service includes market risk (VaR, stress testing, ES, stress VaR and FRTB), credit risk (PFE, EPE for IMM and xVA (CVA, DVA, FVA, etc.), loan impairment, hedge effectiveness and margining calculations for active risk (limit) management and regulatory reporting. The service includes integrated market and reference data and true multitenancy afford unrivalled cost of ownership. Veda is a data analytics company and the leading provider of credit information and analysis in Australia and New Zealand. From its core credit bureau business established in 1967, Veda has expanded to deliver a suite of credit and other analytical products targeted to consumers and specific industry segments. Veda’s customers use data intelligence provided by Veda to make decisions on credit risk, verify identity and employee background, reduce identity theft and fraud, and undertake digital marketing strategies. About our sponsors: Established in 1887, Dun Bradstreet is Australia and New Zealand's longest- established credit information bureau. Backed by its extensive database, Dun Bradstreet helps businesses to make informed credit decisions, and consumers to access personal credit information. Dun Bradstreet works across the entire credit lifecycle to deliver data-driven solutions in sales and marketing, credit reporting and debt management. Through analysis of financial and behavioural information, Dun Bradstreet also provides current and predictive assessments of the economy, business conditions and credit activity. Established in 2004, Decision Intellect is now one of the largest providers of credit risk solutions in the Australasian region. The business provides its leading Inteflow solution to a wide range of businesses through both a license and software as a service model. This is complimented with a highly knowledgeable and experienced analytical team who are leaders in both credit risk modelling and also comprehensive reporting.  Decision Intellect is part of the Dun Bradstreet group. Bureau van Dijk are experts in public and private company information, and offer information on 180 million entities around the globe and domestically. BvD have tailor-made solutions for helping ADIs (Authorised Deposit-taking Institutions) and other credit teams manage counterparty credit risk. Our credit risk platform will ensure you have robust insights to help you meet regulatory requirements, and run your business with minimal risk.
  • 7. î T: +61 2 9229 1000 î F: +61 2 9223 2622 î registration@iqpc.com.au î www.creditriskmanagement.com.au PRE-CONFERENCE DAY WORKSHOP Monday, 21 March 2016 Tackling the Future of Comprehensive Credit Reporting To Gain a Competitive Position Recent changes in legislations and ASICs requirements around comprehensive credit reporting have enabled credit bureaus to play a critical role in managing credit risk and how you analyse your consumer. Comprehensive credit reporting will provide richer information on a customer’s history around payment performance and levels of commitment, enabling responsible lending and reducing credit risk. Join this engaging workshop to help you gain a deeper understanding into comprehensive credit reporting and how it will help you survive in a competitive credit lending environment. What the workshop will cover: • Developing strategies to effectively use positive credit scoring • Analysing and addressing international examples of comprehensive credit reporting • Addressing data management and how to successfully collect and analyse data • Exploring the costs and benefits involved • Exploring how positive reporting will impact credit risk management How you will benefit: • Understanding how comprehensive credit reporting will impact your competitive position • You will gain strategies to effectively package data for transfer • You will maximise your engagement with credit beauros in Australia and use them as a toll to define success • Understanding RG 209 and how it will affect your credit reporting Matt Gijselman, Head of Government, Regulatory Industry Affairs, Australian Retail Credit Association (ARCA) Michael Blacker, Chief Risk Officer, Police Bank Ltd Successfully Complying with CPS 220 – Strategic Steps to Managing Communication With Your Board Members New changes to CPS 220 is to require the Board of Directors of each APRA-regulated institution to ensure that the organisation has in place a risk management framework that includes strategic and business planning, a risk appetite statement, and a risk management function. Join this engaging workshop to take home strategies on getting the board involved, and how to engage in effective communication with key board members to maximise a strong risk culture. What the workshop will cover: • How to ensure that your Board is properly briefed on the limitations and assumptions relating to any models used to measure the components of risk • Approaches to assisting the Board to modify strategy and business planning to accommodate new requirements in risk management strategy and risk-sensitive business plans • Unique methods for supporting the Board to ensure that the three lines of defence are firmly in place and working properly with an effective review process How you will benefit: • You will gain techniques on how to create valuable workshops that create meaning and efficiency • You will take home key strategies on how to communicate effectively with board members • You will be able to identify the needs of your board members and how this is prioritised within your workload • You will gain valuable review processes that will meet your board requirements and how this is to be communicated Campbell Nicoll, Chief Risk Officer, The Community Mutual Group C | 1:30PM – 3:30PM D | 4:00PM – 6:00PM
  • 8. Register Early Save! o REGISTER ME for Credit Risk Management 2016 PLUS: o Workshops: oC oD QUICK and EASY WAYS to REGISTER FAX +61 2 9223 2622 WEBSITE www.creditriskmanagement.com.au MAIL IQPC, Level 6, 25 Bligh Street, SYDNEY NSW 2000 NOTE: PAYMENT IS DUE WITHIN 7 DAYS FROM REGISTRATION TO SECURE YOUR PLACE. Registrations received without payment or a Government PO will incur a processing fee of $99+GST = $108.90 per registration. Payment prior to the conference is mandatory for attendance. Payment includes lunches, refreshments, a copy of conference presentations via FTP website or workbook and all meeting materials. If payment has not been received two weeks before the conference, a credit card hold will be taken and processed. This card will be refunded once alternate payment has been received. PRIVACY - YOUR CHOICE Any information provided by you in registering for this conference is being collected by IQPC and will be held in the strictest confidence. It will be added to our database and will be used primarily to provide you with further information about IQPC events and services. By supplying your email address and mobile telephone number you are agreeing to IQPC contacting you by these means to provide you further information about IQPC products and services. From time to time IQPC may share information from our database with other professional organisations (including our event sponsors) to promote similar products and services. Please tick the box below if you do NOT want us to pass on your details. To amend your current details, advise of duplicates or to opt out of further mailings, please contact our Database Integrity Maintenance Department, Level 6, 25 Bligh Street, SYDNEY NSW 2000. Alternatively, email database@iqpc.com.au, call 02 9229 1028 or fax 02 9223 2622. ¨ I do not wish to have my details made available to other organisations IQPC CANCELLATION AND POSTPONEMENT POLICY: FOR DETAILS OF IQPC’S CANCELLATION AND POSTPONEMENT POLICY PLEASE VISIT: www.iqpc.com.au © 2015 IQPC ABN 92 071 142 446 All RIGHTS RESERVED. The format, design, content and arrangement of this brochure constitute a copyright of IQPC. Unauthorised reproduction will be actionable by law. STANDARD PACKAGES EXTRA EARLY BIRD *Register pay before 22 January 2016 EARLY BIRD *Register pay before 4 March 2016 STANDARD PRICE Conference + 3 Workshops $4649 + GST = $5113.90 $4949 + GST = $5443.90 $5099 + GST = $5608.90 Conference + 2 Workshops $4299 + GST = $4728.90 $4599 + GST = $5058.90 $4699 + GST = $5168.90 Conference + 1 Workshop $3899 + GST = $4288.90 $4199 + GST = $4618.90 $4299 + GST = $4728.90 Conference Only $3299 + GST = $3628.90 $3599 + GST = $3958.90 $3699 + GST = $4068.90 SAVE UP TO $550 SAVE UP TO $250 ¨ Please send me _______ set(s) of AUDIO COMPACT DISCS and PRESENTATIONS CD at $878.90 ($799 plus GST) or $603.90 ($549 plus GST) Presentations CD only ¨ Please keep me informed via email about this and other related events 2 WAYS TO SAVE! Book early for HUGE EARLY BIRD savings. Book as a TEAM, save benefit as a team. * Payment not made at the time of registration will be subject to a $99 service charge. * All 'Early Bird' discounts require payment at time of registration and before the cut-off date in order to receive any discount. * Discounts do not apply to vendors/solution providers. IQPC reserves the right to determine who is a vendor. * Any discounts offered (including early bird and team discounts) are subject to availability and require payment at the time of registration. * All discount offers cannot be combined with any other offer. Please note: Workshops = 1 Module each; Focus Day = 2 Modules ACCOMMODATION Novotel Sydney Central is the official venue for Credit Risk Management 2016, and we have negotiated special rates for attendees of this event. To take advantage of these rates, contact the hotel and quote: IQPC or go to www. creditriskmanagement.com. au and click on the Venue and Accommodation page for a direct link to rates. WHERE Novotel Sydney, NSW WHEN? Main Conference: 22 23 March 2016 Workshop: 21 March 2016 WHERE WHEN? TELEPHONE +61 2 9229 1000 EMAIL registration@iqpc.com.au TEAM DISCOUNTS IQPC recognises the value of learning in teams. Take advantage of one of these special rates: Œ Register a team of 2 to the conference at the same time from the same company and receive a 5% discount  Register a team of 3 to the conference at the same time from the same company and receive a 10% discount Ž Register a team of 4 or more to the conference at the same time from the same company and receive a 15% discount  Register a team of 6 or more to the conference at the same time from the same company and receive a 20% discount  Register a team of 10 or more to the conference at the same time from the same company and receive a 25% discount ‘ Ask about multi-event discounts. Call +61 2 9229 1000 for more details Please note: Only one discount applies • Convert team learning into practical business strategy • An exclusive private meeting networking space • VIP registration, conference seating and networking support. To qualify: Register a team of 7 or more delegates to the conference at the standard conference rate** You receive: • Exclusive full-day use of a private room within the conference venue • Networking support facilitated introductions from the IQPC team throughout the event • Morning and afternoon refreshments catered • VIP registration conference room seating Availability – 2 only per event * (Not available for service providers) **(No discounts can be applied) BOARDROOM TEAM PACKAGE* (PHOTOCOPYTHISFORMFORADDITIONALDELEGATES) DELEGATE 1 APPROVING MANAGER DELEGATE 2 DELEGATE 3 POSITION POSITION POSITION POSITION EMAIL EMAIL EMAIL EMAIL ORGANISATION ADDRESS [FIRST NAME] [FIRST NAME] [FIRST NAME] [FIRST NAME] [SURNAME] [SURNAME] [SURNAME] [SURNAME] POSTCODEADDRESS TELEPHONE AMEX 4 DIGIT CODE FAX EXPIRY DATE ( ) ( ) o CHEQUE ENCLOSED FOR $ __________ (Please make cheques payable to: IQPC) PLEASE CHARGE o American Express o Visa o MasterCard o Diners Club CREDIT CARD NUMBER NAME OF CARD HOLDER [PLEASE PRINT] 26828.001 TACKLING EMERGING REGULATION CHANGES IN A COMPETITIVE CREDIT LENDING ENVIRONMENT î 22 23 March 2016 î Novotel Sydney Central, NSW CLICK HERE SUBMIT THIS FORM /IBF