If this page doesn't display properly in your email, click here. March 21, 2018
New Jersey Bankers Association
In Memoriam

With sadness, we report the passing of Edmond Vincent Lawlor Jr., 87, of Redding, NJ, who passed away on Tuesday, March 13, 2018, at home surrounded by his family. He was with the New Jersey Savings League for 43 years, serving 22 years as president. We are also saddened to report the passing of Sonia (Avakian) Kafafian, 88, of Glen Rock, NJ, mother of Robert Kafafian, president & CEO of The Kafafian Group, who passed away on Saturday, March 17, 2018 at home surrounded by her loving family.

Edmond Vincent Lawlor Jr. formerly of Madison, N.J., and Normandy Beach, N.J., was born in South Orange, N.J. and attended Seton Hall Prep High School in West Orange, N.J., received a B.S. in economics and finance from Mount St. Mary's College, Emmitsburg, Md., and a master's of finance from Seton Hall University in 1961. After graduation from college, Ed, a combat veteran, fought in the Korean War as a second lieutenant in the Army.

Sonia Kafafian, born and reared in New York City, Sonia graduated from Christopher Columbus HS and worked at Metropolitan Life until she was wed in 1954.  Upon moving to New Jersey, she became active in her community.  Sonia was a member of the Glen Rock PTA, Women’s Club, Junior Football Association, Gourmet Club, was First Lady of the SIP organization, and Co-Founder of The Paper Dolls. 

Read more for arrangements 

Industry News

Federal Reserve Bank of New York Business Leaders Survey
Activity in the region’s service sector expanded modestly, according to firms responding to the Federal Reserve Bank of New York’s March 2018 Business Leaders Survey. The survey’s headline business activity index moved down five points to 11.2, pointing to a somewhat slower pace of growth than in February. The business climate index fell thirteen points to 7.7, signaling that firms, on balance, regarded the business climate as better than normal, though to a lesser extent than last month.

NY Fed: Consumers' Expectations Continue Improving
American consumers’ financial expectations improved in February, with 40.2 percent feeling they are better off than a year before, according to the Federal Reserve Bank of New York’s monthly Survey of Consumer Expectations -- reaching the highest point since the survey began in June 2013. Consumers expected their household income to grow by 3 percent over the next year, versus 2.8 percent a month before, and they expected their household spending to grow by 3 percent as well, up 0.1 percent from January's figure.

*click headline for details

Endorsed Service Provider News

CRA Partners present CRA Credit That’s Worth a Lot More Webinar
Thursday, March 22, 2018
10:00 a.m. - 10:30 a.m. EST
Join this webinar to discover how your bank can receive guaranteed CRA credit on both the lending and investment test, along with service credit consideration – all through a unique, turnkey program that works in your community. CRA Partners knows how difficult it has become to find meaningful CRA credit opportunities. That’s why they developed a low-risk, profitable solution for banks that’s worth a lot more than just checking a box. Webinar Questions? Call CRA Partners at 901.529.4765
*Click headline for details

Member News

Cenlar FSB Appoints Anthony Renzi as President and Chief Operating Officer
Gregory S. Tornquist, CEO and Chairman of the Board of Cenlar FSB announced the appointment of Anthony (Tony) Renzi to the position of President and Chief Operating Officer (COO). Renzi will join Cenlar’s Senior Management team and will focus on client success and delivering world class service. He will be instrumental in ensuring that Cenlar meets the growth needs of our subservicing clients and of the company’s business plan.

Gibraltar Bank Introduces “No Origination Fee” Loans for Community Service Employees

Gibraltar Bank announced a new program that waives loan origination fees for community service employees. Effective immediately, and available at each of the Bank’s three branches in Parsippany, Oak Ridge and Newark, the Community Bank Partnership Program waives origination fees for community service employees on a wide selection of home loans.

NJBankers Congratulates Recipients of 2018 Best Women in Business Awards
NJBIZ, the statewide business publication has published its list for the “2018 Best Women in Business” awards. Congratulations to NJBankers members/associate members who have been selected!

Diane Averell, Porzio, Bromberg & Newman

Linda Cascardo, Wells Fargo

Nina Chmura, WithumSmith+Brown

Jennifer A. Hradil, Gibbons

Dina M. Mastellone, Esq., Genova Burns

Bernadette Mosca, Arthur J. Gallagher

United Roosevelt Savings Bank Receives Prestigious 5-Star Rating by Bauer Financial
United Roosevelt Savings Bank has received a prestigious 5-Star rating by Bauer Financial, Inc., the nation’s leading independent bank and credit union rating firm. The 5-Star rating is the highest a financial institution can earn from the service.

Unity Bank Named One of the Best Places to Work in New Jersey
Unity Bank has been named one of the 2018 Best Places to Work in New Jersey in the small/medium category. It is the second year in a row that Unity has been honored by the survey and awards program, which identifies, recognizes and honors the top places of employment in New Jersey that benefit the state's economy, workforce and businesses.

*click headline for details 



Media Relations Training Seminar w/ Shazam
March 29, 2018

Womens Leadership Bootcamp
April 9, 2018

Liquidity Workshop w/ KPN
April 19, 2018

114th Annual Conference
May 16, 2018

Women in Banking Conference
June 13, 2018

See njbankers.com for details.

Other Industry Meetings
View Other Meetings
Mark Your Calendar
View Upcoming Events
Associate Member News

Ion Bank Invests in COCC’s Personal Financial Management Tool Powered by MX
COCC announced that its client, Ion Bank, has chosen to utilize COCC’s next-generation personal financial management (PFM) solution, developed by financial technology leader MX Technologies, to better help their customers take charge of their finances and progress towards their financial goals.

*click headline for details

Accessibility Lawsuits on the Rise: Compliance and Class Action Defense Strategies Seminar

Wednesday, March 28, 2018
Brookdale Community College, Lincroft, NJ
Warner Student Life Center
Twin Lights I
(SLC 106 – Lower Level)
Park in Parking lot #7

Community and regional banks are experiencing increased litigation based on alleged deficiencies in accessibility under the Americans with Disabilities Act (ADA). These lawsuits are focused on bank website compliance.   Understanding the ADA’s requirements and defense strategies is crucial to mitigating risk. Covered Topics: ADA Accessibility Requirements Generally; ADA Accessibility Requirements Regarding Website Compliance; Current State of Litigation; Defense Strategies; and Class Action Risks. 

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NJBankers Leadership Academy

Advanced Leadership:  Leading Your Managers
Monday, April 16, 2018
NJBankers Office
Cranford, NJ
8:30 a.m. – 4:00 p.m.

There is a Pre-Requisite for this module:  completion of a DISC Training Program.

Leading managers who have direct reports requires a different skill set than managing a team of individual contributors. To be effective in that role, leaders need to move beyond making sure that work expectations are met and focus more heavily on coaching their managers to support and develop their teams.

Success Through Effective Management
April 20, 2018, May 22, 2018 and June 5, 2018
8:30 a.m. – 4:00 p.m.
NJBankers Office
Cranford, NJ

**Limited Seating**

The New Jersey Bankers Leadership Academy is an opportunity to learn the skills for moving the bank into the future and ultimately support advocating for the banking industry. Help cultivate and advance the careers of these individuals by achieving their personal goals of success.  It's a win-win-win situation for all; the bankers, the institution and the industry!

Directors Training Web Seminars

The Webinar Package in conjunction with FinPro offers all of your directors and staff approximately 25 one-hour web-seminars (a year) that can be viewed live or at any subsequent time on an unlimited basis.

*click headline for details 

Register Today for the 2018 NJBankers Annual Conference!

Click here to check out our new and improved Program!

Sponsorship Opportunities:  jzorn@njbankers.com or 908.272.8500 x611
Exhibit Opportunities:  czaccaro@njbankers.com or 908.272.8500 x632
Advertising Opportunities:  edemasi@njbankers.com or 908.272.8500 x610
General Inquiries:  info@njbankers.com

Click here for full Conference Program


Room Reservations
J.W. Marriott Marco Island is currently on a Waitlist only.  To get on the waitlist, contact Jenn Zorn at jzorn@njbankers.com
with names and arrival and departure dates.

Options for Housing. 

Marco Beach Ocean Resort  - Phone:  800-260-5089 - www.marcoresort.com

Marriott’s Crystal Shores – 800-845-5279 - http://www.marriott.com/hotels/travel/mrkml-marriotts-crystal-shores/


BSA – Today and Tomorrow
Mary Marley
, Partner
Martino & Thoms, LLC
Salvatore Zerilli, Managing Director                    
The Mercadien Group

Navigating the Cybersecurity Landscape
Sudhir K. Kondisetty, Principal       
Risk Advisory Services
Sue Salecky, SVP, Business Development                

Best Practices in CEO and Executive Succession Planning and Executive Retention
Steven Goldberg
, Regional Managing Director
Bank Financial Services Group

It’s All About Deposits
Matthew K. Miller, Executive Managing Director    
FinPro, Inc.


Regulatory Hot Topics                                                                                
Michael Mancussi, Esq., Partner       
Arnold & Porter Kaye Scholer
Thomas Angstadt, Assistant Deputy Comptroller                    
Bank Supervision
Office of the Comptroller of the Currency
Jacqueline P. Fenton, CPA, Assistant Vice President    
Regional, Community and Foreign Institution Supervision
Federal Reserve Bank of New York
Robert Long, Assistant Regional Director                
Federal Deposit Insurance Corporation
William T. Wisser, Vice President – Safety and Soundness
Regulatory Applications, Enforcement and Risk Monitoring
Supervision, Regulation and Credit, Federal Reserve Bank of Philadelphia

Recent Trends in Mergers and Acquisitions of Banks, Mutuals and MHCs
Michael Rave, Esq., Partner                         
Day Pitney
Douglas P. Faucette, Esq.                         
Locke Lord LLP

The Changing Face of Directorship
Kristine Oliver, Managing Director                  
Pearl Meyer & Partners
Alan J. Kaplan, Founder & CEO                       
Kaplan Partners

CRA Session                                                                                                       
Bria Barker, Director                                        
Financial Education
Michael D. Ryan, President/CEO                            
Innovative Financing Solutions
Sue Shaffer, Vice President
Relationship Development                                       
CRA Partners

Financial Reform Legislation and Regulation for 2018 – What’s in it for Community Banks?
Eric Luse, Esq., Partner             
Luse Gorman
John Gorman, Esq., Partner

Luse Gorman

Investment Strategies for a Flattening Yield Curve
James L. Reber, President/CEO                   
ICBA Securities

Inside the Millennial Mind
Nicholas DeMedio, SPHR, Senior Consultant                 
Mosteller & Associates

Panelists: TBD

Mirador Financial

Upcoming NJBankers Conferences - Don't Miss Out on Opportunities for Professional Development!

Media Relations Training Seminar in Conjunction with Shazam
Thursday – March 29, 2018
Ramada Plaza Hotel, Monroe Twp.

So you’ve pitched a story or had a critical incident and the media are on their way or asking questions. Now what? Our speaker, Pat Dix, Shazam VP of public relations and veteran reporter/TV anchor was recently quoted in this article – Crisis Remediation: Are you prepared. Just take a look. You’ll see that attendees of this seminar are sure to get valuable information from a seasoned professional who will review critical incidents and so much more! Be smart when dealing with the media! Join us!

Liquidity Workshop with KPN
Thursday, April 19, 2018
Brookdale Community College, Lincroft, NJ

Warner Student Life Center, Navesink 1
(SLC 216 – Upper Level), Park in Parking lot #7
 6 CPE credits will apply

Is your bank managing liquidity effectively? What's the right capital solution for your bank? What about Public Funds? You'll find out when you attend the NJBankers Liquidity Conference. The conference will bring clarity to the various capital alternatives available to your bank and provide an overview of capital rules. Get solutions and understand best practices of Liquidity Management by attending the conference!

NEW Joint Human Resources Conference with New York Bankers Association
Tuesday, June 5, 2018 – Wednesday, June 6, 2018
Hilton Hotel , Woodcliff Lake, New Jersey

Why make plans now to attend the 2018 HR Conference coming this June? That's easy! You need to be there because it will be more comprehensive than ever! NJBankers has partnered with the New York Bankers Association to produce a conference not to be missed! It ain't your grandparents' Personnel Department anymore! Today's successful Human Resources professional in banking needs a comprehensive understanding of today's critical human resources issues. Topics that both new and veteran Human Resources professionals need to know include understanding and creating the high performance leader; employment law; and compensation & generational changes. Panels of experts will discuss cultural & generational challenges; and diversity & inclusion. You can't miss the panel of top bank CEOs that will tell you their view, from the C-suite, on Human Resources!

Bank Security Seminar
Wednesday, June 27, 2018
Brookdale Community College, Lincroft

Who Should Attend? A one-day continuing education security seminar for anyone with responsibilities in bank security, risk management, bank operations or administration, legal counsel and fraud prevention. 
Your day will include the following topics:
• National Security Update
• Robbery Training for Front Line Staff
• The Four L's of Physical Security
• Securing the Future
• Call Center Security: Dialing for Dollars

2018 Bank Trainers Conference

June 26-28, 2018
ChampionsGate – Orlando, Florida

The CBA is pleased to announce that they have joined the Bank Trainers Conference as an Event Partner.  The 2018 Conference is being hosted by the Center for Financial Training and Total Training Solutions.

The Bank Trainers Conference (BankTrainers.com) is designed for employees of financial institutions who are involved in training within their organization. 

This conference is action packed with two days of several sessions and more being added every day!  The program includes 2 pre-conference workshops, 13 confirmed speakers (with more coming), more than 30 training sessions, 3 learning tracks and networking with over 150 of your peers!  To view the entire schedule, visit http://banktrainers.com/agenda/.

To register, click here Select “State Association/League - Enter Referral Code Below” in the “How Did You Hear About This Conference?” section.  Type “NJBA” in the “Referral Code” box.

All registrations received on or before March 31, 2018 will be entered into a drawing for a free suite upgrade (up to three nights) at this year’s conference!

Check Out Endorsed Service Provider PMC's Winter/Spring 2018 Seminar(s)


Go for the gold with the Best IRA Training Value in America!  Announcing PMC’s Winter/Spring 2018 IRA Seminar tour.  As an endorsed service provider of NJBankers, PMC’s acclaimed staff will be conducting two day IRA training workshops in 14 convenient locations; in particular, Vineland and Cranford, NJ.

Note: All current members of NJBankers registered for one or two days of solid IRA & HSA training from PMC will receive 10% discount off of their low registration fee.

For more information and to register, Click here or call PMC at 800-233-3207. 

PMC's 2018 IRA Reference Volumes

No other IRA resources are updated and relied upon as PMC’s 2018 IRA Reference Volumes.  Utilizing PMC’s IRA reference volumes will give you confidence knowing you’re the IRA expert. Check out their three great options, perfect for any individual or team, and know that all current NJBankers members will receive a 10% discount when purchasing the most respected IRA Reference Volumes in America!  Order today: Click here!

ICBA Capital Summit

Sunday, April 8, 2018 – Wednesday April 11, 2018
Grand Hyatt Washington, Washington, DC

If access to capital, regulatory and tax relief, mortgage reform and agricultural lending are at the forefront of your mind, ICBA’s Capital Summit is the place to be. Join ICBA and fellow community bankers as we advocate for change in these areas.

The ICBA Capital Summit is an opportunity for bankers to lobby Congress and regulators. Registration is open to community bankers and event sponsors only.

The ICBA Capital Summit is the perfect forum for influencing change in the community bank space. This is our chance to make a difference for the future of our industry. Register Today!

ABA Government Relations Summit
Sunday, April 22 - Wednesday April 25, 2018
Washington Marriott Marquis - Washington, DC

The 2018 ABA GR Summit is the opportunity for you and your peers to advocate for the changes hometown banks need to better serve their customers. Our collective voice is critical as we educate policymakers on the important role banks play in economic growth and job creation.

More than a thousand banking industry peers come together each year to speak to Congress and regulators in a unified voice so that together, our industry can be heard.

*Open to Bankers, Bank Directors & Trustees and State Association Executives only.

This annual event attracts NJBankers officers and board members and other C-level banking officers.  The program includes visits with members of the New Jersey Congressional delegation.
For registration, please click here
NJ Bank Marketing Presents How to Introduce New Banking Products & Services and Channel Them to Your Customers Seminar

Thursday, May 3, 2018
8:30 a.m. - 11:30 a.m.
Holiday Inn Express, Clark, NJ

This “How To” program offers an opportunity to both large and small banks on ways to develop and introduce new and ever-changing products and services and the best methods of offering them to existing and prospective clients. Their panel of three experts with many years of experience in their respective disciplines will present a 3-step program beginning with the bank’s involvement, to the development of strategic initiatives, to reaching specific marketing targets.

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Save the Dates for this spring's NJ March for Babies

Each week in NJ, 227 babies are born too soon. As a result, they can face serious health complications, physical and learning disabilities and some will not reach their first birthday.  March for Babies is the number one fundraising event for the March of Dimes that brings walkers, volunteers and sponsors together to celebrate their community. Coworkers, families and friends participate to fight premature birth and give more babies a healthy start. It’s never too soon to begin planning for this initiative. Here’s how you can get involved.

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