2010 Banking Institute Schedule
Thursday, March 25
10:30 - 11:30 a.m.
Registration and Coffee
11:30 a.m. - 12:30 p.m.
Karen Shaw Petrou, Federal Financial Analytics, Inc. (Salon II & III)
Introduction by: Lissa Broome, UNC School of Law, Center for Banking and Finance
Karen Shaw Petrou is the co-founder and Managing Partner of Federal Financial
Analytics, Inc., a privately held company that provides analytical and advisory services on
legislative, regulatory, and public policy issues affecting financial services companies.
Petrou is a frequent speaker on topics affecting the financial services industry to
Congress, federal government agencies, industry groups, and professional associations.
She also writes frequently for specialized banking publications such as the American
Banker and for general-interest media like The New York Times and the Wall Street
Journal. She began her career as an officer at Bank of America in Washington.
12:30 - 1:00 p.m.
Lunch (Salon I)
1:00 - 2:00 p.m.
Edward P. O'Keefe, General Counsel, Bank of America Corporation
Introduction by: James P. Carroll, Cadwalader, Wickersham & Taft LLP
Ed O'Keefe has been general counsel of Bank of America since January 2009 and is a
member of the bank's executive management team. He joined the company in 2004 and
has served in several roles at Bank of America including head of litigation, global
compliance, and operational risk. He began his career in private practice before joining
Chemical Bank in 1987 where he worked on mergers involving Manufacturers Hanover
Corp. and Chase Manhattan Corp. He then worked at Deutsche Bank AG, where he was
responsible for the global staff support legal functions outside of Germany.
2:00 - 3:15 p.m.
Executive Compensation
After 2009, the world of executive compensation will never be the same, especially for
financial institutions. The TARP limitations on compensation have spread to
compensation for all publicly traded corporations, and more limitations and requirements
are on the way. This panel will describe legislative and regulatory limits, including
proposed limits, and new requirements affecting executive compensation, focusing on
assessing how the compensation plans influence risk taking.
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3:15 - 3:30 p.m.
David L. Batty, Winston & Strawn LLP, Charlotte (coordinator)
Laura Hanf, Pearl Meyer & Partners, Charlotte
Eileen A. Kamerick, Tecta America Corporation, Chicago
Michael Melbinger, Winston & Strawn LLP, Chicago
Break
1 | P a g e 3:30 - 4:30 p.m.
Mortgage Funding for Community Banks: Now and in the Future
This panel will help you understand what is going on in the roller coaster mortgage
lending market. A community banker will discuss the current environment for bank
lending, a mortgage finance legislative expert will discuss proposals to reform the
secondary market, and an official from the Federal Housing Finance Agency will discuss
the conservatorships of Fannie Mae and Freddie Mac and how the GSE are helping to
avoid foreclosures.
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William R. Lathan, Ward and Smith, PA, New Bern (coordinator)
Christopher T. Curtis, Federal Housing Finance Agency, Washington, D.C.
Michael C. Miller, FNB United, CommunityONE Bank, N.A., Asheboro
Joe Pigg, American Bankers Association, Washington, D.C.
4:30 - 4:45 p.m.
Break
4:45 - 6:00 p.m.
Private Equity Capital, Failing Banks, and the FDIC: Are We Speaking the
Same Language?
Although one might think the federal banking agencies would welcome private equity
capital as we proceed through this financial crisis, the Federal Reserve and the FDIC
have been extremely cautious and somewhat tentative, each promulgating policy
statements and putting out other unofficial guidance for investors. With relatively rare
exceptions, private investors have been forced to the sidelines as existing banking
organizations have gobbled up failed banks. This panel will discuss the issues associated
with how private investors are attempting to thread this needle, and indeed, whether it is
possible to do so.
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6:00 - 7:00 p.m.
John L. Douglas, Davis Polk & Wardwell LLP, New York (coordinator)
Ben Berry, First American Financial Management Co., Salisbury, N.C.
Scott M.A. Clark, Sandler O'Neill + Partners, LP, New York
Joseph A. Jiampietro, Federal Deposit Insurance Corporation, Washington, D.C.
Patricia A. Robinson, Federal Reserve Board, Washington, D.C.
Reception (Ballroom)
This opportunity to mix and mingle with the participants, including program speakers and the law
students who produced the North Carolina Banking Institute Journal is always a highlight of the
Banking Institute.
7:00 - 7:45 p.m.
Dinner (Salon I) Note: This is a separately ticketed event.
7:45 - 8:30 p.m.
Joseph A. Smith, North Carolina Commissioner of Banks; Chairman,
Conference of State Bank Supervisors
Introduction by: Frances B. Jones, BB&T Corporation
Joseph Smith has served as the North Carolina Commissioner of Banks since June 2002. As
Commissioner, he heads an agency charged with the supervision of banks and thrift institutions
having aggregate assets in excess of $200 billion; the licensing and regulation of firms and
individuals engaged in mortgage banking and brokerage; and the regulation of a variety of
consumer finance enterprises. Commissioner Smith also serves as Chairman of the Conference of
State Bank Supervisors and as a member of the Board of Managers of State Regulatory Registry
LLC, a limited liability company established to implement a national mortgage licensing system.
Prior to his appointment to office, Commissioner Smith was engaged in the practice of securities
and banking law. He was for a number of years the general counsel of a North Carolina bank
holding company.
2 | P a g e 2010 Banking Institute Schedule
Friday, March 26
7:30 - 8:15 a.m.
Coffee and Continental Breakfast
8:15 - 9:30 a.m.
Financial Services Recovery and Reform: Legislative, Regulatory, and
Private Sector Developments and Issues (Salon II & III)
As the financial crisis and hoped-for financial services industry recovery continues to play
out, the United States government and the financial services industry continue to assess
the causes, consequences, and solutions to the events of the past two years. The 2010
Banking Institute will devote its Friday morning session to several panel discussions of
the implications of the financial crisis for new financial services legislation, the structure
and regulation of the financial services industry, and the financial services consumer,
who in many ways may be most affected by these changes.
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Eugene M. Katz, Wells Fargo & Company, Charlotte (moderator)
Panel 1: Current Status of Financial Services Regulatory Reform Efforts
This panel will provide an overview of the legislative proposals advanced by the
Administration and Congress for comprehensive financial services reform and the
prospects for final legislation in 2010, as well as other key regulatory proposals that
continue to flow from Washington. In addition, the status of the current Emergency
Economic Stabilization Act and other financial rescue initiatives will be discussed.
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Scott Cammarn, GMAC Financial Services, Inc., Charlotte (coordinator)
C. Dawn Causey, American Bankers Association, Washington, D.C.
Kevin M. MacMillan, Bank of America, Washington, D.C.
Laurie S. Schaffer, U.S. Department of the Treasury, Washington, D.C.
David Smith, House Financial Services Committee, Washington, D.C.
9:30 - 9:45 a.m.
Break
9:45 - 11:00 a.m.
Panel 2: Coming to Terms with Financial Structure and Systemic Risk
Issues
The financial crisis poses a substantial challenge to the structure of the financial services
industry and the overall safety and soundness of the U.S. and global financial systems.
How will the core issues systemic of financial stability and "too big to fail" be addressed?
What actions are financial regulators taking to promote systemic stability? How will the
Basel Committee's proposals for financial system resilience impact these efforts? This
panel will address those and other related issues.
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Charles M. Horn, Mayer Brown LLP, Washington, D.C. (coordinator)
Lawrence G. Baxter, Duke Law School, Durham
William F. Kroener, III, Sullivan & Cromwell LLP, Washington, D.C. and Los Angeles
James M. Strother, Wells Fargo & Company, San Francisco
3 | P a g e 11:00 - 11:15 a.m.
Break
11:15 a.m. - 12:30 p.m.
Panel 3: Financial Reform and its Impact on Consumers
There is a general view that the financial services consumer has not been well-served in
the current financial environment. Accordingly, there are important federal legislative and
regulatory consumer reform proposals that are being considered and adopted, including
the proposed creation of a new federal Consumer Financial Protection Agency and the
Federal Reserve Board's recent CARD Act rules regulating bank credit card practices.
There is a continuing debate, however, over the need for federal uniformity in financial
consumer protection rules versus the benefits in allowing states to exercise their legal
rights to protect their financial consumers. This panel will consider these and other
issues.
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12:30 - 2:30 p.m.
Donald C. Lampe, Womble Carlyle Sandridge & Rice LLP, Greensboro and Charlotte
(coordinator)
Lynne B. Barr, Goodwin Procter LLP, Boston
Christopher Kukla, Center for Responsible Lending, Durham
Raymond Natter, Barnett Sivon & Natter, PC, Washington, D.C.
Center for Banking and Finance Board of Advisors Luncheon Meeting (Salon I)
4 | P a g e Speaker Biographies
LYNNE B. BARR
Goodwin Procter, LLP
Lynne Barr is a partner in Goodwin Procter's Financial Services Group and chair of its Consumer Financial Services
Practice. She focuses on banking and financial services law. Ms. Barr advises banks, bank holding companies,
brokerage concerns, mortgage companies, trade associations and other entities on general corporate matters, including
the operation and offering of their products and services, particularly in the context of federal and state regulation of
financial institutions and their activities. Ms. Barr has extensive experience in credit and mortgage lending matters
(including licensing, disclosure, documentation, interest rate limitations and credit reporting), fair lending and equal credit
opportunity issues, credit and deposit services, electronic banking and Internet services, and insurance products.
Ms. Barr is the Chair-Elect of the American Bar Association’s Section of Business Law and is a member of its Council.
She is the former chair of the ABA’s Consumer Financial Services Committee. In addition, she is the former chair of the
Financial Holding Company Subcommittee of the ABA’s Banking Law Committee and the ABA’s Consumer Financial
Services Subcommittees on Deposit Accounts and Programs. She is also a former faculty member of the Boston
University Law School Graduate Program in Banking Law.
Ms. Barr holds a B.A. and a J.D. from George Washington University.
DAVID L. BATTY
Winston & Strawn LLP
David Batty is a partner in Winston & Strawn’s finance practice group and concentrates on corporate lending. Mr. Batty’s
practice focuses on the representation of financial institutions in syndicated credit facilities, including first and second lien
loan transactions, as well as mezzanine financing. He has served as counsel to the administrative agent and lead
arranger in syndicated credit facilities ranging in size from $100 million to more than $4 billion extended to companies in
the media, telecommunications, consumer, defense technology, and other sectors.
Mr. Batty served as an Adjunct Professor at the North Carolina Central University School of Law in fall 2005 and fall 2006.
He currently serves on the Steering Committee for the University of North Carolina School of Law, Center for Banking and
Finance and its Board of Advisors, and was a practitioner in residence at the center (2001-2006).
Mr. Batty received a B.A. from George Washington University and a J.D. from Boston College.
LAWRENCE G. BAXTER
Duke University School of Law
Lawrence Baxter is the Visiting Professor of the Practice of Law at Duke Law School. His teaching and research interests
are in federal and state administrative law, domestic and global banking regulation. He is currently focused on the
evolving regulatory environment for financial services.
In 1995, Professor Baxter joined Wachovia Bank, serving first as special counsel for Strategic Development and later as
corporate executive vice president, founding Wachovia’s Emerging Businesses and Insurance Group and eBusiness
Group. He served as chief eCommerce officer for Wachovia Corporation from 2001 to 2006. Prior to joining Wachovia,
Professor Baxter was a member of the Duke Law Faculty.
Professor Baxter holds a L.L.B. and B. Comm., Business from the University of Natal, a Diploma in Legal Studies and
L.L.M. from the University of Cambridge, and a Ph.D. in Law and Government Regulation from the University of Natal.
1 | P a g e D. BEN BERRY
First American Financial Management Company
Ben Berry is President and Chief Executive Officer of First American Financial Management Company, a de novo
company formed for the purpose of becoming a multi-state bank holding company in NC, VA, and SC. First American has
entered into a definitive agreement to acquire Community Bank of Rowan, Salisbury, NC and the application is pending
before the Federal Reserve Board for approval to become the bank holding company for Rowan. Mr. Berry has been in
discussions with private equity funds to raise additional capital to execute on First American’s business plan of growth
through acquisition and potentially to bid for failed institutions in the Southeast.
Mr. Berry is the former President and Chief Executive Officer of Gateway Financial Holdings, Inc. and Gateway Bank &
Trust Company, Virginia Beach, Virginia and Elizabeth City, North Carolina. He was the organizer of Gateway Bank &
Trust Company that merged on December 31, 2008 with Hampton Roads Bankshares, Inc., Norfolk, Virginia to create the
largest bank based in Virginia in terms of assets. Gateway Bank & Trust Company was $2.2 billion at the time of its
merger, seventh largest in North Carolina with over 50 offices in Virginia and North Carolina. Mr. Berry also previously
served as Regional Executive, Southeastern Virginia and Eastern North Carolina and South Carolina at RBC Centura. He
served in a number of other managerial positions while at RBC Centura and Peoples Bank & Trust Co. Mr. Berry has
been a commercial banker since 1977.
SCOTT CAMMARN
GMAC Financial Services, Inc.
Scott Cammarn is GMAC's Bank Regulatory Counsel, responsible for providing legal advice on state and federal bank
regulatory issues and acting as the company's legal liaison with the bank regulatory agencies. Mr. Cammarn has 23
years of legal and financial experience, most recently as senior vice president, general counsel and corporate secretary
for LendingTree. Previously, he held senior positions with NationsBank’s Legal Department, including associate general
counsel with responsibility for regulatory and corporate affairs. Prior to joining NationsBank, Mr. Cammarn was in private
practice. Mr. Cammarn was formerly a member of the Duke University Law School faculty, where he taught a course in
U.S. Banking Regulation. He is a member of the Board of Advisors of the UNC School of Law’s Center for Banking and
Finance.
Mr. Cammarn is a graduate of the Ohio State University and Duke University School of Law.
SCOTT M.A. CLARK
Sandler O’Neill + Partners, LP
Scott Clark is a Principal of Sandler O’Neill + Partners, L.P., where he advises on a broad range of financial institutions on
strategic matters, focusing on mergers and acquisitions as well as capital financing. Since joining the firm in 2003, he has
worked on more than 50 mergers with aggregate value of more than $25 billion and more than 20 capital raises. Mr. Clark
focuses on Sandler’s clients in the Southeastern and Northeastern United States though he has broad transaction
experience nationwide. He also provides clients with strategic advisory, functioning as a primary resource in structuring
and implementing complex capital markets transactions. Prior to joining Sandler O’Neill, Mr. Clark worked at Braun
Consulting, where he assisted financial services companies with customer relationship management strategies.
Mr. Clark graduated from Harvard College with an A.B. in Economics with Honors.
2 | P a g e C. DAWN CAUSEY
American Bankers Association
Dawn Causey is the eighth general counsel of the American Bankers Association and has served in that capacity since
January 2003. Previously, Ms. Causey served on the ABA's Government Relations staff as Director of Financial
Institution Affairs and Counsel where she coordinated the development of policy positions on a number of regulatory and
legislative issues including bankruptcy, arbitration, mutual charters, credit card issues, FHL Bank System, OTS, and de
novo institutions. Ms. Causey currently works with ABA’s Mutual Institutions Council and is one of ABA’s main contacts
with the Office of Thrift Supervision.
Prior to joining the ABA in 2000, Ms. Causey spent seven years with America's Community Bankers first as regulatory
counsel, and then as general counsel, focusing on legal and regulatory issues on the federal and state level. Prior to her
experience in the private sector, Ms. Causey was a senior staff attorney with the Office of Thrift Supervision.
Ms. Causey holds a B.A. from Millikin University and a J.D. from George Washington University.
CHRISTOPHER CURTIS
Federal Housing Finance Agency
Chris Curtis is Senior Deputy General Counsel of the Federal Housing Finance Agency, which was created by Congress
in 2008. FHFA’s mission is to oversee the safety and soundness of Fannie Mae, Freddie Mac, and the Federal Home
Loan Bank System, combining the functions of the Office of Federal Housing Enterprise Oversight, the Federal Housing
Finance Board, and the GSE mission supervision office of the Department of Housing and Urban Development. At the
FHFA, Mr. Curtis manages legal support for the agency’s supervision and regulation activities. He was the last General
Counsel of the Federal Housing Finance Board, and has also worked in various capacities at Capital One Financial
Corporation, the Federal Deposit Insurance Corporation, the Federal Home Loan Bank Board, and the law firm of
Covington & Burling.
JOHN L. DOUGLAS
Davis, Polk & Wardwell LLP
John Douglas is a partner in Davis, Polk & Wardwell’s Financial Institutions Group, heading the firm’s bank regulatory
practice and focusing on bank restructuring and resolutions and other issues arising from the current banking and
financial crisis. He has advised the boards of directors of IndyMac and Bank United, counseled Citigroup with respect to
FDIC matters, advised various parties on the fallout from the failure of Washington Mutual, and advised various private
equity firms on proposed investments in troubled or failed banks. He is also a member of the Board of Advisors of the
University of North Carolina School of Law’s Center for Banking and Finance.
Mr. Douglas was appointed General Counsel of the Federal Deposit Insurance Corporation in 1987 and continued in that
capacity through 1989.
Mr. Douglas holds a B.A. from Davidson College and a J.D. from the University of Georgia.
LAURA HANF
Pearl Meyer & Partners, LLC
Laura Hanf is a Vice President in Pearl Meyer & Partners’ banking group and is frequently retained to evaluate the
appropriateness of compensation programs, including total compensation, performance-based incentives, change of
control/employment agreements, and TARP regulations compliance. Ms. Hanf is a Certified Equity Professional, a
Certified Compensation Professional, and a Senior Professional in Human Resources.
Ms. Hanf is a graduate of the University of Detroit and holds an M.B.A. from the University of North Carolina at Charlotte.
3 | P a g e CHARLES M. HORN
Mayer Brown LLP
Charles Horn is a partner at Mayer Brown. He is a regulatory and transactional attorney whose practice focuses primarily
on banking and financial services matters. Mr. Horn represents domestic and global financial services firms of all sizes on
regulatory and transactional issues affecting their organization, structure, governance, management, and operations. In
addition, he provides sophisticated regulatory counseling to banks and other financial services firms relative to federal and
state financial regulation, supervision, and compliance matters affecting their corporate, institutional, and retail business
activities. He is also a member of the Board of Advisors of the University of North Carolina School of Law’s Center for
Banking and Finance
Prior to joining Mayer Brown in 1992; Mr. Horn worked with another major law firm. Previously, he served as Senior
Attorney (1983), then as Assistant Director (1983–1986), and finally as Director (1986–1989) of the Securities &
Corporate Practices Division of the U.S. Department of Treasury’s Office of the Comptroller of the Currency. Earlier, Mr.
Horn held positions of progressively greater responsibility with the U.S. Securities and Exchange Commission,
Washington, D.C., including Attorney Division of Market Regulation (1976–1978); Attorney, Division of Enforcement
(1978–1982); Senior Counsel (1980–1982); Branch Chief (1982–1983).
Mr. Horn is a graduate of Harvard University and Cornell University Law School.
JOSEPH A. JIAMPIETRO
Federal Deposit Insurance Corporation
Joseph Jiampietro is the Senior Advisor for Markets to FDIC Chairman Sheila Bair. Mr. Jiampietro provides Chairman Bair
with policy and legal advice relating to complex financial transactions, bid structures, and capital markets. Mr. Jiampietro
previously served as Managing Director of the Financial Institutions Group at J.P. Morgan in New York, with responsibility
for delivering merger and acquisition and corporate finance advice to depository institutions. Prior to that, he was a
Managing Director in the Financial Institutions Group of UBS Investment Bank, where he was also head of Financial
Institution Capital Markets. Mr. Jiampietro has spent 11 years in investment banking, providing strategic advice to financial
institutions. Before his career in investment banking, he was an associate practicing corporate law at Simpson Thatcher
and Bartlett. He has also served as Legal Counsel with the Senate Committee on Banking, Housing and Urban Affairs
during the 104th Congress.
Mr. Jiampietro holds a B.A. from Dartmouth College and a J.D. from Columbia University.
EILEEN A. KAMERICK
Tecta America Corporation
Eileen Kamerick is Senior Vice President, Chief Financial Officer and Chief Legal Officer at Tecta America Corporation.
Tecta America Corporation is the nation’s leading roofing contractor with over 50 locations and over 3,000 qualified
roofing professionals nationwide.
Ms. Kamerick began her career at Skadden, Arps, Slate, Meagher & Flom. Since then she has led many significant
mergers as well as international transactions in her career roles as a senior legal and financial executive for several
Fortune 500 companies, including BP Amoco Americas, and Bcom3, parent company of Leo Burnett and Starcom Media.
Ms. Kamerick also teaches courses in corporate governance at Northwestern University and the University of Iowa. Ms.
Kamerick is a board member of Associated Bancorp, a board member of Westell Technologies, Inc., and a board member
of Global Compliance Services.
Ms. Kamerick is a graduate of Boston College, received a J.D. and an M.B.A. in Finance and International Business from
the University of Chicago. She has also completed postgraduate work at Exeter College, Oxford University.
4 | P a g e EUGENE M. KATZ
Wells Fargo & Company
Gene Katz is Senior Vice President and Assistant General Counsel of Wells Fargo & Company. Mr. Katz has served as
Vice-Chair of the Banking Law Committee of the American Bar Association’s Business Law Section, and presently chairs
the Subcommittee on In-House Counsel. He is also a member of the Board of Advisors of the University of North Carolina
School of Law’s Center for Banking and Finance. Mr. Katz formerly served as Director of the Litigation Division of the
Office of the Comptroller of the Currency and as the Principal Deputy Chief Counsel of the Office of Thrift Supervision.
Prior to joining Wachovia, he was a member in the Charlotte, North Carolina office of Womble Carlyle Sandridge & Rice,
PLLC, representing and counseling the firm’s institutional and individual clients on a broad range of bank, thrift, and
holding company regulatory, enforcement, and compliance matters.
Mr. Katz received his B.A. and J.D. degrees from Tulane University.
WILLIAM F. KROENER, III
Sullivan & Cromwell, LLP
William Kroener is a partner at Sullivan & Cromwell. His practice focuses on the supervision and regulation of banks and
other regulated financial institutions and their advisers and encompasses domestic and international activities,
acquisitions, financings, and other transactions. Prior to joining the firm, Mr. Cromwell served as General Counsel of the
FDIC from 1995 to early 2006.
Mr. Kroener currently serves as Co-Chair of the American Bar Association Task Force on Financial Markets Regulatory
Reform, as a Vice Chair of the Banking Law Committee of the Business Law Section, and is a member of the Executive
Council of the Banking Law Committee of the Federal Bar Association, an advisory member of the Financial Institutions
Committee of the Business Law Section of the State Bar of California, and a member of the Regulatory Appeals
Committee of the Dubai Financial Services Authority.
Mr. Kroener is a graduate of Yale University. He also holds an M.B.A. and a J.D. from Stanford University.
CHRISTOPHER KUKLA
Center for Responsible Lending
Chris Kukla is Senior Counsel for Government Affairs at the Center for Responsible Lending (CRL) in Durham, North
Carolina. CRL is a nonpartisan, non-profit policy and research affiliate of Self Help, a community development lender that
has provided more than $5 billion in financing to homeowners, small businesses, and non- profit organizations nationwide.
Mr. Kukla has been with CRL since 2002, and is primarily responsible for representing CRL in the North Carolina General
Assembly. Mr. Kukla also works with lawmakers and advocates in other states on consumer lending legislation. Prior to
joining the Center, Mr. Kukla worked for several years on Capitol Hill, most recently as Appropriations Associate and
Counsel to U.S. Representative Nita M. Lowey of New York.
Mr. Kukla received a B.A. in Political Science from Alma College and a J.D. from the University of Notre Dame Law
School.
DONALD C. LAMPE
Womble Carlyle Sandridge & Rice LLP
Don Lampe is a partner at Womble Carlyle Sandridge & Rice, LLP. He leads the firm’s Regulatory Compliance and
Consumer Credit Practice Team within the Capital Markets Practice Group from the firm’s Charlotte office. He co-heads
the firm’s Economic Stability and Solutions Team. Mr. Lampe maintains a national and Southeast-regional practice
representing banks, thrifts, finance companies, insurance companies, and other financial service providers (including
5 | P a g e major secondary market participants) in complex consumer financial services and banking regulatory matters. His
experience includes compliance, regulatory, litigation, legislative, corporate and contract-related engagements involving
TILA, RESPA, FDCPA, FCRA/FACTA, HERA, ECOA, HMDA and fair lending, GLBA, government lending programs
(including VA, FHA and USDA), and state consumer credit laws. He has significant experience in government
enforcement actions, serving as counsel to industry respondents in actions brought by state and federal regulators. Mr.
Lampe is experienced in matters of federal preemption and the challenges to financial services providers posed by the
interplay of federal and state laws. He is also a member of the Board of Advisors of the University of North Carolina
School of Law’s Center for Banking and Finance.
Mr. Lampe is a graduate of the Massachusetts Institute of Technology and Duke University Law School.
WILLIAM R. LATHAN
Ward and Smith, PA
Bill Lathan is a partner at Ward and Smith, PA. His practice encompasses the formation, regulation, and operation of
banks and bank holding companies; securities offerings and reporting; mergers and acquisitions; and corporate
governance matters pertaining to publicly-held companies. Prior to joining the firm, Mr. Lathan served as vice president
and general counsel/corporate secretary for one of North Carolina's multi-bank holding companies. He is also a member
of the Board of Advisors of the University of North Carolina School of Law’s Center for Banking and Finance.
Mr. Lathan received an A.B. and J.D. from the University of North Carolina at Chapel Hill.
KEVIN M. MACMILLAN
Bank of America
Kevin MacMillan is Assistant General Counsel for Regulatory and Public Policy at Bank of America. In this role he
provides legal advice to a variety of business lines relating to regulatory, legislative, and public policy matters. Before
assuming his current position, Mr. MacMillan served as the Deputy Assistant Secretary of Treasury for Domestic Finance
and Terrorist Financing and Intelligence. In this role he was the principal liaison between Congress and the Treasury
Department on banking related matters. Prior to joining Treasury, Mr. MacMillan served as Senior Counsel to the House
Financial Services Committee focusing on banking, corporate governance, agency and international issues. Mr.
MacMillan holds an LL.M. in banking and securities regulation from the Georgetown University Law Center, a J.D. from
Tulane University Law School and a B.A. from Gettysburg College. Mr. MacMillan is a member of the Maryland and
Washington, D.C. bars.
MICHAEL S. MELBINGER
Winston & Strawn LLP
Michael Melbinger is lead partner and global head of Winston & Strawn’s employee benefits and executive compensation
practice group. Mr. Melbinger works out of the firm’s Chicago office and practices exclusively in the area of executive
compensation and employee retirement benefit issues for corporations, boards of directors, partnerships, executives, and
fiduciaries.
Mr. Melbinger has worked extensively on designing and implementing stock and non-stock based executive
compensation and benefit programs for public and private companies (including start-up ventures). He has designed and
drafted employment contracts, severance agreements, parachute agreements, and a variety of executive compensation
arrangements. He advises boards of directors, compensation committees, and senior executives and legal departments in
these matters.
Mr. Melbinger received a B.A. from the University of Notre Dame and a J.D. from the University of Illinois.
6 | P a g e MICHAEL C. MILLER
FNB United Corporation
Mike Miller is the President and CEO of Community ONE and, its holding company, FNB United. Mr. Miller was named
Chairman of the bank and the holding company in January 1999.
Mr. Miller is active in industry activities, serving a term as the Chairman of the North Carolina Bankers Association and
previously serving as Dean of the North Carolina School of Banking. Mr. Miller serves on the American Bankers
Association Board of Directors and Government Relations Council and previously served on its Community Bankers
Council and the Privacy Task Force on Responsible Use and Protection of Customer Information. He is also a Director of
the Charlotte Branch of the Federal Reserve Bank of Richmond.
Prior to joining the bank, Mr. Miller was in private law practice. Mr. Miller is the Chairman of the Trustees for the IOLTA
Committee of the North Carolina State Bar and Immediate Past Chairman for the North Carolina Center for Public Policy
Research, a private, non-profit, non-partisan research organization.
Mr. Miller received his undergraduate degree from the University of North Carolina and his M.B.A. and J.D. degrees from
Wake Forest University.
RAYMOND NATTER
Barnett Sivon & Natter, PC
Ray Natter is a partner in the Washington, D.C. law firm of Barnett Sivon & Natter, P.C. He specializes in representing
financial institutions before the U.S. Congress and federal regulatory agencies.
Previously, Mr. Natter served as deputy chief counsel of the Office of the Comptroller of the Currency, where his
responsibilities included the development and review of all of that agency’s regulatory undertakings from 1995 through
2004. At the OCC, Mr. Natter also was responsible for the legal department’s securities and corporate practices division,
bank structure division, and legislative affairs office. The legal department of the OCC’s New York and Chicago offices
reported directly to Mr. Natter. Prior to the OCC, Mr. Natter served as a senior staffer for eight years on the U.S. Senate
Committee on Banking, Housing and Urban Affairs, and was the Committee’s Republican chief counsel from 1989
through 1995. Prior to the Senate, Mr. Natter was a senior counsel at the legal department of the Federal Reserve Board
in Washington, D.C.
Mr. Natter is a graduate of Rensselear Polytechnic Institute and Georgetown University Law Center. In 1979, he was
awarded an LL. M. degree from the George Washington University National Law Center.
EDWARD P. O’KEEFE
Bank of America Corporation
Ed O’Keefe is General Counsel of Bank of America Corporation and a member of the bank’s executive management
team. Mr. O’Keefe’s previous roles at Bank of America have included Deputy General Counsel and Head of Litigation,
Global Compliance & Operational Risk Executive, Senior Privacy Executive, as well as Deputy General Counsel for
Support Staff. Mr. O’Keefe is a member of the Board of Advisors of the University of North Carolina School of Law’s
Center for Banking and Finance.
Mr. O’Keefe joined Bank of America in 2004 from Deutsche Bank, where he was Managing Director responsible for
Deutsche’s global staff support legal functions outside Germany. Mr. O’Keefe began his career in private practice before
joining Chemical Bank in 1987.
Mr. O’Keefe received a B.S. from the University of Rhode Island and a J.D from Fordham University.
7 | P a g e KAREN SHAW PETROU
Federal Financial Analytics, Inc.
Karen Petrou is Managing Partner of Federal Financial Analytics, Inc. Federal Financial Analytics provides strategic
consulting services to a wide range of financial institutions, government agencies, non-bank financial services firms, and
vendors to the industry. Ms. Petrou has advised clients regarding controversial acquisitions, walked bank boards through
reputational-risk dilemmas, and defined the strategic priorities for a diverse range of financial service firms.
Prior to founding one of the Federal Financial Analytics predecessor firms in 1985, Ms. Petrou served as Vice President of
Bank of America in its Washington, D.C. office.
Ms. Petrou received a B.A. from Wellesley College and an M.A. from University of California—Berkeley.
JOE PIGG
American Bankers Association
Joe Pigg is Vice President/Senior Counsel of the American Bankers Association. With the ABA since 1997, Mr. Pigg
serves as legislative counsel on housing, real estate finance, Federal Home Loan Bank System and other governmentsponsored enterprise related issues, as well as on general financial industry related issues.
Prior to his tenure at the ABA, Mr. Pigg worked as a legislative representative for Mayor Giuliani of New York City, and as
a banking aide to U.S. Representative Doug Bereuter of Nebraska.
Mr. Pigg is a graduate of the University of Nebraska and Georgetown University Law Center.
PATRICIA A. ROBINSON
Federal Reserve Board of Governors
Pat Robinson is an Assistant General Counsel in the Legal Division of the Board of Governors of the Federal Reserve
System. She manages the Legal Division’s evaluation of merger and acquisition applications subject to Federal Reserve
Board review under the Bank Holding Company Act, Bank Merger Act, Change in Control Act, or Federal Reserve Act,
and other applications filed under these statutes. She has held this official position since January 2005. Before joining
the Federal Reserve Board in 1993, Ms. Robinson was an attorney at Sidley & Austin, in the law firm’s Washington, D.C.
office.
Ms. Robinson is a graduate of the Georgetown University Law Center.
LAURIE S. SCHAFFER
Treasury Department
Laurie Schaffer is assistant general counsel for banking and finance at the Treasury Department. Ms. Schaffer was vice
president and general counsel at Charles Schwab before joining Treasury in April 2008. She advises on Treasury's
borrowing authorities, debt issuing activities, financial markets oversight, regulation of the government securities market,
and issues affecting the financial services industry. Earlier in her law career, Ms. Schaffer was a senior attorney at the
Federal Reserve Board and previously worked on banking issues at the Securities and Exchange Commission and the
Department of the Treasury.
Ms. Schaffer is a graduate of the American University and Fordham Law School.
8 | P a g e DAVID SMITH
House Financial Services Committee
David Smith is the Chief Economist of the House Financial Services Committee. Previously he has served as the Director
of Public Policy for the AFL-CIO, Commissioner of Business Development and Senior Deputy Budget Director for New
York City, a Commissioner of the Medicare Payment Advisory Commission, a senior economist on the staff of the
Congressional Joint Economic Committee, a senior advisor to Senator Edward M Kennedy, and taught at the University of
Massachusetts and the New School.
JOSEPH A. SMITH, JR.
North Carolina Commissioner of Banks
Joe Smith is the North Carolina Commissioner of Banks, an office he has held since June 2002. As Commissioner, he
heads an agency charged with the supervision of banks and thrift institutions having aggregate assets in excess of $200
billion; the licensing and regulation of firms and individuals engaged in mortgage banking and brokerage; and the
regulation of a variety of consumer finance enterprises including finance companies, check cashers, money transmitters,
and refund anticipation lenders. In addition, Commissioner Smith is Chairman of the Conference of State Bank
Supervisors and a member of the Board of Managers of State Regulatory Registry LLC, a limited liability company
established to implement a national mortgage licensing system.
Prior to his appointment to office, Commissioner Smith was engaged in the practice of securities and banking law. He was
for a number of years the general counsel of a North Carolina bank holding company.
Commissioner Smith is a graduate of Davidson College and the University of Virginia Law School.
JAMES M. STROTHER
Wells Fargo & Company
Jim Strother is Executive Vice President and General Counsel of Wells Fargo & Company and is responsible for legal
affairs and government relations for the company. In June 2001 he was named a deputy general counsel of Wells Fargo
& Company, responsible for legal services for all the company's consumer businesses including lending, deposits, retail
brokerage services, insurance and information sharing. He served as Executive Vice President, General Counsel and
Secretary of Wells Fargo Home Mortgage from 1998 to 2001.
Before joining Wells Fargo in 1998, Mr. Strother was Vice President and Assistant General Counsel with Norwest
Corporation. He joined Norwest as counsel in 1986 and held that position until 1989 when he became Assistant General
Counsel in 1989.
Mr. Strother is a graduate of the University of Minnesota where he received both his law and bachelor’s degrees.
9 | P a g e