2015 Banking Institute
Wednesday, March 25
5:30 – 7:30
Reception hosted by Kane Russell Coleman & Logan PC, Dallas and Houston
Thursday, March 26
10:00 – 11:15
Registration and Coffee
11:15 – 12:30
Evolving Governance Realities for Financial Institutions
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Anthony R. Augliera, Wells Fargo & Company, Charlotte
Eric R. Fischer, Boston University Center for Finance, Law & Policy, Boston
Mary H. (Molly) Scherf, Office of the Comptroller of the Currency, Washington, DC
Peter G. Weinstock, Hunton & Williams, Dallas (moderator)
In 2014, regulators moved the goal posts on responsibilities of financial institution management
and boards. The OCC issued its “heightened” guidelines for governance and risk management
practices. Governor Tarullo spoke about enhancing governance and expanding directors’
fiduciary duties. This session will examine the principles embodied in such standards and
positions, their broader implications, and how they are being implemented.
12:30 – 1:00
Lunch
1:00 – 1:45
Bank Counsel Remarks
Andrew Hutcher and Anthony O’Connor, Credit Suisse
Credit Suisse is a leading global financial services company. It operates as an integrated bank
with two global divisions: Private Banking and Wealth Management and Investment Banking.
Credit Suisse’s Center of Excellence in the Americas, employing almost 1,400 staff, is located in
the Research Triangle Park, and provides a cost effective global business support center.
Andy Hutcher is a Managing Director and Counsel of Credit Suisse in the General Counsel
division, based in New York. He is Chief Operating Officer of the Advisory and Control Group in
the Americas and manages several groups that provide legal and advisory services, consisting of
the documentation of master and related agreements for derivatives; Americas country
coverage in Brazil, the rest of Latin America and the Caribbean, and Canada; and certain
regulatory matters. Hutcher serves on the Americas General Counsel Management and
Operating Committees. Prior to joining Credit Suisse, Hutcher was at Shearman and Sterling.
Hutcher received his B.S. from the University of Virginia and his J.D. from Vanderbilt University
School of Law.
Tony O’Connor is a Director and Counsel at Credit Suisse, based in Research Triangle Park, North
Carolina. He manages the General Counsel Division’s first-of-a-kind Legal Associate Program and
1L Summer Associate Program in RTP. He is also the Americas Practice Group Leader for data
management, privacy, intellectual property, and sourcing. Prior to joining Credit Suisse, Tony
was a senior counsel at IBM, an associate at Davis Polk & Wardwell, and a law clerk for a federal
district court judge. Tony received his A.B. from Princeton University and his J.D. from New York
University.
1:45 -- 2:00
Break
2:00 – 3:30
Too Big to Fail
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Ron Feldman, Federal Reserve Bank of Minneapolis
Pamela Bickford Sak, Bank of America, Charlotte
Joseph A. Smith, Jr., Monitoring Ltd., Raleigh (coordinator)
Thomas P. Vartanian, Dechert LLP, Washington, DC
The panel will discuss Too Big to Fail, how regulators try to eliminate TBTF, living wills, and how
TBTF is impacted by SIFI designation.
3:30 – 3:45
Break
3:45 – 5:00
Hot Topics for Community Banks
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B.T. Atkinson, Nelson Mullins Riley & Scarborough LLP, Charlotte
Todd H. Eveson, Wyrick Robbins Yates & Ponton, LLP, Raleigh
Glenn E. Morrical, Tucker Ellis, LLP, Cleveland
M. Patricia (Pat) Oliver, Tucker Ellis, LLP, Cleveland (moderator)
Michael J. Shumaker, Bryan Cave, LLP, Atlanta
This panel will discuss some of the challenges faced by community banks, including access to
capital and capital raising techniques; current challenges in the regulatory climate; getting M&A
deals done: community banks as buyers and sellers; and the future of the community banking
model.
5:00 – 6:00
Reception – Sponsored by The Clearing House
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.
The Clearing House is the oldest banking association and payments company in the United
States, having been established in 1853. It is owned by the world’s largest commercial banks.
The Clearing House Payments Company L.L.C. provides payment, clearing, and settlement
services to its member banks and other financial institutions, clearing almost $2 trillion daily and
representing nearly half of the automated-clearing-house, funds-transfer, and check-image
payments made in the U.S. The Clearing House Association L.L.C. is a nonpartisan advocacy
organization representing the interests of its owner banks on a variety of important banking
issues. We are grateful to The Clearing House for its generous support of this reception and of
our New York Lecture series.
6:00
Dinner
This is a separately ticketed event, but it is included without additional charge for all speakers,
students, those attending as corporate sponsors, or on other special admission rates. Please
consider attending to spend more time meeting and talking with colleagues and to hear the
after-dinner remarks.
The Center for Banking and Finance Leadership Award
This award is given for just the fifth time tonight in recognition of outstanding contributions to
banking law and the banking industry. Please join us in celebrating Tony Gaeta.
Anthony Gaeta, Jr., Wyrick Robbins Yates & Ponton LLP, Raleigh
Introduced by: Lissa L. Broome, Director, Center for Banking and Finance, UNC School of Law
Tony practices with Wyrick Robbins with a focus on financial institutions. He has served on the
Board of Advisors for the Banking Institute since its inception almost twenty years ago and has
been a guiding force in ensuring its success and financial support.
Tony taught Mergers & Acquisitions at the UNC School of Law for a number of years. Prior to
joining Wyrick Robbins, Tony was the founder of Gaeta & Eveson, PA. His career began at
Simpson Thacher & Bartlett after graduating from Wesleyan University and receiving his J.D.
from William and Mary. He has worked at Ward and Smith, Moore & Van Allen, and as General
Counsel to United Carolina Bancshares Corporation (now part of BB&T Corporation).
6:45 – 7:20
The Fourth Annual George and Susan Beischer Address
John D. (Jerry) Hawke, Jr., Arnold & Porter LLP, Washington, DC
Introduced by: A. Patrick Doyle, Arnold & Porter LLP, Washington, DC
Jerry Hawke has served as Comptroller of the Currency (1998-2004), Under Secretary of the
Treasury for Domestic Finance (1996-1998), and General Counsel to the Board of Governors of
the Federal Reserve System (1975-1978). He began his career as a law clerk to Judge E. Barrett
Prettyman on the U.S. Court of Appeals for the District of Columbia, followed by work as counsel
to the Select Committee on Education in the House of Representatives. Hawke then joined
Arnold & Porter and has worked there since that time, except when his practice was interrupted
by government service.
In the Beischer Challenge, George and Susan Beischer agreed to match up to $1 million of grifts
and pledges to the Center for Banking and Finance. The gift was completed in 2011 and
celebrated at the William Horn Battle Society Dinner on April 2011. In honor of this
transformative gift to the Center, its board of advisors voted to name the after-dinner address
at the annual Banking Institute in honor of the Beischers. We are pleased that the Beischer
Address is an annual opportunity to honor the memory of George and Susan and remember
their generosity.
Friday, March 27
7:45 – 8:30
Coffee and Breakfast
8:30 – 9:45
Dodd-Frank Act and Other Regulatory Developments—The Work Continues
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David T. Bloom, SunTrust Banks, Inc., Atlanta
Scott A. Cammarn, Cadwalader, Wickersham & Taft LLP, Charlotte
A. Patrick Doyle, Arnold & Porter LLP, Washington, DC (co-coordinator)
Anna M. Harrington, Board of Governors of the Federal Reserve System, Washington, DC
Charles M. Horn, Morgan, Lewis & Bockius LLP, Washington, DC (co-coordinator)
The federal financial regulatory agencies have continued their multi-year efforts to implement
the Dodd-Frank Act, taking important regulatory actions in 2014, including actions on matters
such as regulatory capital and liquidity requirements, prudential regulation and supervision,
board governance developments, credit risk retention requirements for securitization
transactions, and money market mutual fund reform. The agencies and the financial services
industry, however, continue to contend with important and difficult regulatory issues such as
the scope and impact of the Volcker Rule and its implementing regulations, and the ongoing
implementation of derivatives reform and municipal advisor regulatory requirements. Further,
several important provisions of the Dodd-Frank Act, including regulatory action on financial
institution executive compensation requirements, still remain to be implemented. Also,
Congress already has enacted recent amendments to the Dodd-Frank Act, and other legislative
changes may be considered in 2015. This panel of regulatory practitioners and agency officials
will discuss these and other key regulatory issues, and their implications for money center,
regional, and community banking organizations.
9:45 – 10:00
Break
10:00 – 11:00
The Donald C. Clifford, Jr. Distinguished Lecture on Consumer Law
Barry Zigas, Director of Housing Policy, Consumer Federation of America
Introduced by: Donald C. Lampe, Morrison & Foerster LLP, Washington, DC
Barry Zigas became the Director of Housing Policy for the CFA in 2008. He also consults with
nonprofits and foundations on strategy, innovation, and leadership through his firm, Zigas and
Associates LLC. Zigas previously served as Senior Vice President at Fannie Mae where he led the
company’s single family community lending initiatives. Prior to his time at Fannie, he was the
President of the National Low Income Housing Coalition. He has also served as Associate
Executive Director at the U.S. Conference of Mayors. Zigas received his undergraduate degree
at Grinnell College and is a graduate of the Wharton School’s Advanced Management Program.
The Clifford Distinguished Lecture on Consumer Law was established by the UNC School of Law
and friends following Professor Clifford’s death. Donald Clifford was the Aubrey L. Brooks
Professor and served as a faculty member of Carolina Law from 1964 to 2004, specializing in
commercial and consumer law. He founded the law school’s very successful Festival of Legal
Learning and served as a member of the Board of Advisors for the Center for Banking and
Finance.
11:00 – 11:15
Break
11:15 – 12:30
The Regulatory Underpinnings of Commercial Lending
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Melissa R. H. Hall, Morgan, Lewis & Bockius LLP, Washington, DC
Seth M. Huffstetler, Robinson Bradshaw & Hinson, Charlotte, NC (moderator)
Donald C. Lampe, Morrison & Foerster LLP, Washington, DC (coordinator)
Phillip A. Wertz, Bank of America, Charlotte
In the everyday practice of commercial lending, questions of deal structure, loan terms, loan
documentation and borrower type often revolve around rules, regulations, and interpretations
of the federal banking regulators. Yet, most “deal” attorneys are not expected to master
banking regulation. This presentation will help commercial lending practitioners and others spot
common regulatory issues such as Regulation W, capital requirements, appraisal regulations,
anti-tying, and CFPB regulations, and offer practical suggestions for dealing with these issues in
fast-paced transactions.
12:30 - 2:30
Center for Banking and Finance Board of Advisors Luncheon Meeting (for members of the
Center’s Board of Advisors or their designees)
2015 Banking Institute Speaker Biographies
B.T. Atkinson
Nelson Mullins Riley & Scarborough LLP
B.T. Atkinson is a partner in the Charlotte office of Nelson Mullins Riley & Scarborough LLP, where he focuses in
corporate, securities, and regulatory matters for financial institutions and other public and private companies. He
concentrates in merger and acquisition transactions involving financial institutions, and represents both underwriters
and issuers in public and private offerings of debt and equity securities. Mr. Atkinson also regularly advises a variety of
public and private companies, financial institutions, broker-dealer firms, and private equity funds and investment
advisers on regulatory compliance matters under federal and state law and corporate governance issues.
Prior to joining Nelson Mullins, Mr. Atkinson served as an audit staff accountant in the Charlotte office of Price
Waterhouse and was a former partner at a Charlotte law firm.
Mr. Atkinson received his JD from the UNC School of Law and his BS in accounting from the University of North Carolina
at Charlotte.
Anthony R. Augliera
Wells Fargo & Company
Anthony Augliera is a Senior Vice President and the Corporate Secretary of Wells Fargo & Company, where he heads the
Office of the Corporate Secretary which provides legal oversight of Wells Fargo’s corporate governance obligations. Mr.
Augliera has been with Wells Fargo and predecessor companies, including Wachovia and First Union, since 1995 during
which time he has worked on governance, securities law, and mergers and acquisitions matters. He has served as
Corporate Secretary of Wells Fargo since December 2012.
Prior to joining Wells Fargo, Mr. Augliera was a corporate attorney at Dewey Ballantine, LLP, and prior to that was a
Lending Officer with Manufacturers Hanover Corporation.
Mr. Augliera received his JD from Fordham University School of Law and his BBA from Iona College.
David T. Bloom
SunTrust Banks, Inc.
David Bloom is a Senior Managing Attorney at SunTrust Banks, Inc., where he is responsible for providing legal support
for SunTrust’s capital markets, broker-dealer, investment advisory and trust businesses, as well as bank regulatory
matters and corporate mergers and acquisition transactions. He also serves as the Corporate Secretary of SunTrust
Robinson Humphrey, Inc., an SEC registered institutional broker-dealer.
Prior to joining SunTrust, Mr. Bloom was Head of Legal for HSBC’s Corporate, Investment Banking and Markets Division
in London and New York. Prior to that, he served as Global Treasury counsel with American Express Bank Ltd. in New
York, and as a Corporate and Finance Associate with the law firm Kaye, Scholer, Fierman, Hays & Handler, LLP in New
York.
Mr. Bloom received his JD from American University’s Washington College of Law, his master’s degree in International
Finance and Banking from Columbia University, and his BA in International Affairs from the University of Colorado.
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Lissa L. Broome
UNC School of Law
Lissa Broome is the Wells Fargo Professor of Banking Law at the University of North Carolina School of Law, and Director
of the school's Center for Banking and Finance. She serves as faculty advisor to the North Carolina Banking Institute
journal. She teaches banking law and secured transactions.
Professor Broome also serves as the University's Faculty Athletics Representative to the ACC and the NCAA. Professor
Broome is the co-author of one of the leading banking law texts, Regulation of Bank Financial Service Activities, now in
its fourth edition.
Professor Broome has a JD from Harvard Law School and a BS from the University of Illinois.
Scott A. Cammarn
Cadwalader, Wickersham & Taft LLP
Scott Cammarn is a partner at Cadwalader in the Charlotte office. He has more than twenty years of experience in the
banking industry and his legal career has spanned all areas of banking compliance and finance law. His practice focuses
on regulatory matters, mergers and acquisitions, legislation and lobbying, transactions, and training. He represents a
number of national and international financial institutions, and has practiced before the Federal Reserve, the Office of
the Comptroller of the Currency, the Federal Deposit Insurance Corporation, the Commodity Futures Trading
Commission, and numerous state banking departments.
Prior to joining Cadwalader, Mr. Cammarn was the Bank Regulatory Counsel for Ally Financial (f/k/a GMAC Financial
Services) where he advised on bank regulatory issues including transactional, examination, compliance, and legislative
matters. Before joining Ally Financial, Mr. Cammarn was the Senior Vice President and General Counsel of LendingTree
and served as the Corporate Secretary. Prior to that, he served in various legal capacities over his eleven years at Bank of
America.
Mr. Cammarn earned a JD from Duke University School of Law and a BS from The Ohio State University.
A. Patrick Doyle
Arnold & Porter LLP
Pat Doyle practices in the Financial Services practice group at Arnold & Porter in Washington, DC. He has a broad
background in financial institution regulation and headed the firm's financial services practice group from 1993 to 2013.
Mr. Doyle regularly counsels bank holding companies, foreign banks, savings institutions, insurance companies,
securities firms, hedge funds, and private equity entities on a wide variety of regulatory matters, including strategic
planning, complex regulatory issues, enforcement proceedings (particularly those involving allegations of violations of
the "control" regulations), and legislation. In addition, he has represented firm clients in numerous mergers and
acquisitions. He is currently advising some of the nation's largest financial services companies on the applications of the
Dodd-Frank Act, particularly Titles I, II, and VI. He regularly appears before the Federal Reserve Board, the Federal
Deposit Insurance Corporation, the Comptroller of the Currency, and numerous state banking regulators.
Prior to joining Arnold & Porter, Mr. Doyle served in a variety of legal positions at the U.S. Department of the Treasury,
Office of the Comptroller of the Currency, including Counsel to the Multinational Banking Group, and as the Acting
General Counsel of the Federal Home Loan Bank Board.
Mr. Doyle earned a JD from Syracuse University College of Law and a BA from State University of New York at Oswego.
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Todd H. Eveson
Wyrick Robbins Yates & Ponton LLP
Todd Eveson is a partner with Wyrick Robbins Yates & Ponton LLP. His practice is focused on the representation of
financial institutions and their holding companies, securities law, mergers & acquisitions, and corporate law. He has
extensive experience in matters pertaining to bank regulation; regulatory applications; enforcement actions; corporate
governance, securities law compliance and reporting; and executive compensation. He regularly represents issuers and
underwriters in connection with public and private offerings of securities.
Mr. Eveson practiced with Gaeta & Eveson, P.A. for over twelve years, until its strategic combination with Wyrick
Robbins Yates & Ponton LLP on March 1, 2013.
Mr. Eveson earned a JD at the University of North Carolina, Chapel Hill and holds an AB and a Certificate in Markets &
Management Studies from Duke University. He served as Editor-in-Chief of Volume 4 of the North Carolina Banking
Institute journal.
Ron Feldman
Federal Reserve Bank of Minneapolis
Ron Feldman is executive vice president and senior policy adviser at the Federal Reserve Bank of Minneapolis. He is the
senior officer for Supervision, Regulation and Credit, where he oversees the consumer and safety and soundness
supervision of roughly 100 state member banks and about 500 bank holding companies. He is also responsible for the
Bank’s lending to Ninth District depository institutions and managing the resulting credit risk.
Mr. Feldman helps oversee several significant Federal Reserve supervisory initiatives, including assessing the largest
bank holding companies’ compliance with capital standards, validating the Federal Reserve stress testing models and
implementing the System’s resolution planning program. He is also a primary adviser on monetary policy to the Bank
president. He helps oversee the Federal Reserve’s monitoring of financial system stability and identification of risks to
stability. He has published research on a wide array of banking and financial topics. He is the co-author of Too Big to Fail:
The Hazards of Bank Bailouts, published by the Brookings Institution in 2004.
Mr. Feldman received his MPA from Syracuse University and his BA from the University of Wisconsin.
Eric R. Fischer
Boston University Center for Finance, Law & Policy
Eric Fischer is a Senior Fellow at the Boston University Center for Finance, Law & Policy. Mr. Fischer focuses his research
on bank corporate governance, board composition and board education issues. Mr. Fischer designed and taught a
course entitled Corporate Governance of Financial Institutions at Boston University School of Law’s Graduate Program in
Banking and Financial Law.
Mr. Fischer has more than four decades of experience representing banks, bank holding companies and their boards of
directors in connection with federal and state bank regulatory and corporate governance matters. From 2000 through
2014, Mr. Fischer was a member of the banking practice at Goodwin Procter LLP. From 1986 to 2000, he served as
Executive Vice President, General Counsel and Corporate Secretary of UST Corp., a Boston-based bank holding company
and its two bank subsidiaries, United States Trust Company and USTrust. Mr. Fischer was also previously an associate at
the law firm of Fried, Frank, Harris, Shriver & Jacobson in New York and served as assistant general counsel and assistant
secretary of the board of directors at Bank of Boston Corporation.
Mr. Fischer received his LLM from Boston University School of Law, his MBA from Stanford University Graduate School of
Business, his JD from Stanford University Law School, and his AB from the University of Pennsylvania.
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Anthony Gaeta, Jr.
Wyrick Robbins Yates & Ponton LLP
Tony Gaeta, Jr. practices with Wyrick Robbins Yates & Ponton in Raleigh, NC with a focus on financial institutions. His
practice includes public and private offerings of securities for both financial institutions and business corporations;
regulatory matters affecting banks, thrifts, and their holding companies; the formation of banks, thrifts, and trust
companies and their reorganization into the holding company form of organization; mergers and acquisitions of financial
institutions and other corporate entities; and counseling boards of directors as to their duties.
Prior to joining the firm, Mr. Gaeta was the founder of Gaeta & Eveson, P.A. He has also practiced in the New York office
of Simpson Thacher & Bartlett, the New Bern and Raleigh offices of Ward & Smith, and the Raleigh office of Moore &
Van Allen. Mr. Gaeta also served as Vice President, General Counsel to United Carolina Bancshares Corporation (now
BB&T Corporation).
Mr. Gaeta was an Adjunct Professor of Law at the UNC School of Law, teaching a course in mergers and acquisitions.
During June 2013, he taught mergers and acquisitions at Augsburg University, Federal Republic of Germany, as a visiting
law professor.
Mr. Gaeta received his JD from the College of William and Mary and his BA from Wesleyan University.
Melissa R. H. Hall
Morgan, Lewis & Bockius LLP
Melissa Hall is Of Counsel in the Investment Management and Securities Practice Group at Morgan Lewis in Washington,
DC. Melissa advises financial institutions and non-financial companies on a wide range of state and federal financial
regulatory laws and regulations, including governance, management, business and operational matters; regulatory
compliance and enforcement (consumer and non-consumer); payment systems, including licensing and other regulatory
requirements; financial institution investment and acquisition; and bank securities and fiduciary activities. She
represents clients before federal and state financial regulators, including the Federal Reserve Board, the Department of
Treasury, the Office of the Comptroller of the Currency, the Federal Deposit Insurance Corporation, and the Consumer
Financial Protection Bureau.
Prior to joining Morgan Lewis, Melissa was a member of the financial regulatory practice of another international law
firm and was an attorney in the Office of the Chief Counsel of the Department of the Treasury’s Bureau of the Public
Debt.
Melissa earned her JD from the University of Texas School of Law, her MA from the University of Texas, and her BA from
Haverford College.
John D. (Jerry) Hawke, Jr.
Arnold & Porter LLP
Jerry Hawke, Jr. is Senior Counsel at Arnold & Porter. He began his career as a law clerk to Judge E. Barrett Prettyman on
the U.S. Court of Appeals for the District of Columbia, followed by work as counsel to the Select Committee on Education
in the House of Representatives. Mr. Hawke then joined Arnold & Porter and has worked there since that time, except
when his practice was interrupted by government service. He has served as Comptroller of the Currency (1998-2004),
Under Secretary of the Treasury for Domestic Finance (1996-1998), and General Counsel to the Board of Governors of
the Federal Reserve System (1975-1978).
Mr. Hawke has published extensively on matters relating to the regulation of financial institutions. He has taught federal
regulation of banking at the Georgetown University Law Center and at the Morin Center for Banking Law Studies at
Boston University School of Law.
Mr. Hawke received his JD from Columbia University School of Law and his BA from Yale University.
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Anna M. Harrington
Board of Governors of the Federal Reserve System
Anna M. Harrington is Counsel in the Legal Division of the Board of Governors of the Federal Reserve. Ms. Harrington
joined the Board’s Legal Division in 2008. She focuses on the implementation of certain provisions of the Dodd-Frank
Act, including the Volcker Rule, the margin rule for uncleared swaps, Regulation W, and credit exposure limits for
systemically important financial institutions. In addition, she has worked extensively on control issues related to
applications and interpretations under the Bank Holding Company Act and Change in Bank Control Act and related
regulations, including private equity investments in bank holding companies.
Ms. Harrington earned her JD from Boston College Law School and an AB from Harvard College.
Charles M. Horn
Morgan, Lewis & Bockius LLP
Charles Horn is a partner in Morgan Lewis’s Investment Management and Securities Industry Practice. Mr. Horn focuses
his practice on regulatory and transactional matters, primarily in the areas of banking and financial services. He provides
counsel on regulatory and transactional issues affecting the governance, structure, management, and operations of his
clients’ organizations. He also counsels banks and other financial services firms on issues relating to federal and state
financial regulation and matters affecting their corporate, institutional, and retail business activities, as well as their
asset management, fiduciary and asset administration products and services.
Prior to joining Morgan Lewis, Mr. Horn was a partner in the financial services practice of another international law firm.
Before entering private practice, Mr. Horn served as Senior Attorney (1983), Assistant Director (1983–1986), and
Director (1986–1989) of the Securities and Corporate Practices Division of the U.S. Department of the Treasury, Office of
the Comptroller of the Currency. Earlier in his career, he held other positions with the U.S. Securities and Exchange
Commission, including Washington, DC, Branch Chief; Senior Counsel and Attorney in the Division of Enforcement; and
attorney in the Division of Market Regulation.
Mr. Horn earned his JD from Cornell Law School and his BA in Psychology/Social Relations from Harvard University.
Seth M. Huffstetler
Robinson Bradshaw & Hinson
Mr. Huffstetler is a corporate and tax attorney at Robinson Bradshaw & Hinson in Charlotte, NC. His transactional
practice includes mergers and acquisitions, joint ventures and other commercial transactions. His multi-disciplinary
practice is particularly suited for transactions like tax-free reorganizations where he can serve both roles (corporate and
tax) simultaneously.
Mr. Huffstetler received his LLM from New York University, his JD from Duke University School of Law, and his BA from
Duke University.
Andrew M. Hutcher
Credit Suisse
Andy Hutcher is a Managing Director and Counsel of Credit Suisse in the General Counsel division, based in New York.
He is Chief Operating Officer of the Advisory and Control Group in the Americas and manages several groups that
provide legal and advisory services, consisting of the documentation of master and related agreements for derivatives;
Americas country coverage in Brazil, the rest of Latin America and the Caribbean, and Canada; and certain regulatory
matters. Mr. Hutcher serves on the Americas General Counsel Management and Operating Committees. Prior to joining
Credit Suisse, Mr. Hutcher was at Shearman and Sterling.
Mr. Hutcher received his JD from Vanderbilt University School of Law and his BS from the University of Virginia.
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Donald C. Lampe
Morrison & Foerster LLP
Don Lampe is a partner in the Financial Services Group of Morrison & Foerster. Mr. Lampe represents banks, mortgage
companies, automotive finance companies, insurance underwriters and agents, and other financial service providers in a
variety of financial services and bank regulatory matters. He also counsels creditors, loan servicers, service providers
(vendors), and secondary market participants on consumer financial services laws and regulations, including the DoddFrank Act. He represents a range of financial services clients in government investigations and enforcement proceedings
before state and federal agencies, such as the CFPB, HUD, FTC, FDIC, and NYFS, involving issues of lending, servicing,
licensing, governance, and compliance. He devotes a significant part of his practice to representing major national
business process outsourcing firms and technology vendors to the financial services industry.
Mr. Lampe is currently a fellow of the American College of Consumer Financial Services Lawyers. He also serves on the
Governing Committee of The Conference on Consumer Finance Law and the Board of Advisors of the University of North
Carolina School of Law Center for Banking and Finance. Mr. Lampe previously served as the chair of the American Bar
Association's Consumer Financial Services Committee.
Mr. Lampe received his JD degree from Duke University School of Law and his SB degree from Massachusetts Institute of
Technology.
Glenn E. Morrical
Tucker Ellis, LLP
Glenn Morrical is a Partner at Tucker Ellis in Cleveland. advises banks and their holding companies on transactional and
regulatory matters, such as raising capital, buying and selling loans and branches, and complying with supervisory
requirements. In 2009, as “loaned counsel,” he served in-house at a troubled $13-billion savings and loan and its holding
company to assist in asset sales, attempts at raising capital, and dealing with increasingly challenging supervisory
demands. In the ensuing years he has represented that holding company in its bankruptcy, including extensive litigation
with the FDIC.
Mr. Morrical assists in capital raising transactions, both public and private, sometimes as issuer’s counsel to a holding
company and sometimes as placement agent counsel or underwriter’s counsel to the securities broker-dealer. He has
also represented banks and broker-dealers in connection with networking arrangements to offer securities services on
bank premises.
Mr. Morrical holds a JD from Harvard Law School, an MBA from Cleveland State University, and a B.A. from The Ohio
State University.
Anthony M. O’Connor
Credit Suisse
Tony O’Connor is a Director and Counsel at Credit Suisse, based in Research Triangle Park, North Carolina. He manages
the General Counsel Division’s first-of-a-kind Legal Associate Program and 1L Summer Associate Program in RTP. He is
also the Americas Practice Group Leader for data management, privacy, intellectual property, and sourcing. Prior to
joining Credit Suisse, O’Connor was a senior counsel at IBM, an associate at Davis Polk & Wardwell, and a law clerk for a
federal district court judge.
Mr. O’Connor received his JD from New York University and his AB from Princeton University.
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M. Patricia (Pat) Oliver
Tucker Ellis, LLP
Pat Oliver is a Partner and Chair of the Financial Services Industry Practice at Tucker Ellis, LLP. Her practice focuses on
securities, M&A, regulatory and corporate governance matters for banks and thrifts and their holding companies.
Previously, she served as EVP, General Counsel, Chief Corporate Governance Officer and Corporate Secretary of BB&T
Corporation and Branch Banking & Trust Company.
Prior to her tenure at BB&T, Mrs. Oliver was the Global Chair of the Squire Sanders & Dempsey (now Squire Patton
Boggs) Financial Services Practice.
Mrs. Oliver earned a JD from Case Western Reserve School of Law and a BA from Allegheny College.
Pamela Bickford Sak
Bank of America
Pamela Sak is an Associate General Counsel in the Bank Regulatory Group of the Legal Department at Bank of America.
She provides enterprise-wide legal support on bank regulatory matters and, over the last four years, has been primarily
assisting the Global Recovery & Resolution Planning team on development of the Bank’s resolution plan and related
projects.
Before joining Bank of America in 2007, Ms. Sak was a Vice President in Compliance at Deutsche Bank in New York.
From 1998 to 2005, she was an Associate at Jones Day in Washington, DC, where she assisted foreign banks and U.S.
based financial holding companies with bank regulatory matters and advised on a wide-range of issues including privacy,
anti-money laundering and terrorism financing, negotiable instruments, and corporate governance. Ms. Sak began her
legal career as a Consultant in the Legal Department of the International Monetary Fund.
Ms. Sak received her JD from George Washington University Law School and her BA in History from Principia College in
Elsah, Illinois.
Mary H. (Molly) Scherf
Office of the Comptroller of the Currency
Molly Scherf is a Deputy Comptroller in the Office of the Comptroller of the Currency’s Large Bank Supervision program.
In this role, Ms. Scherf oversees the Large Bank lead expert, shared national credit, data analytics, and systems teams.
She also works with other OCC divisions and regulatory peers to develop supervisory guidance and regulation. Ms.
Scherf became Deputy Comptroller in January 2014.
Ms. Scherf joined the OCC in 1990 and has twenty-four years of bank supervision experience. She previously served as
the OCC’s Large Bank Lead Expert for Governance and Enterprise Risk Management. In this role, she led the OCC
working group that developed the OCC Heightened Standards for Governance and Risk Management. As an examiner,
she reviewed all aspects of bank risk management and specialized in information technology and retail credit.
Ms. Scherf is a commissioned National Bank Examiner and holds a BA in economics from the University of Illinois.
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Michael J. Shumaker
Bryan Cave, LLP
Michael Shumaker is an Associate at Bryan Cave in Atlanta. He focuses his practice on financial institutions, including
regulatory compliance, mergers and acquisitions, and securities law issues. He has extensive experience advising his
financial institution and private equity clients in a variety of matters, including complex merger transactions, control
investments and changes in control of banks and bank holding companies, capital-raising transactions, and regulatory
compliance. Mr. Shumaker has also advised the boards of directors of financial institutions and their special committees
on a variety of matters, including with respect to regulatory and internal investigations. His national practice is focused
in the Carolinas and in Georgia.
Prior to joining Bryan Cave, Mr. Shumaker served as Senior Legislative Assistant to U.S. Congressman Kenny C. Hulshof, a
member of the U.S. House Committee on Ways and Means. In this capacity, he advised the Congressman on a variety of
subjects, including trade, agriculture, transportation and defense.
Mr. Shumaker holds a JD from the University of North Carolina and a dual AB from the University of Georgia.
Joseph A. Smith, Jr.
Monitoring Ltd.
Joe Smith serves as Monitor of a settlement among five major financial institutions, the United States, and 49 states
relating to the mortgage servicing practices of the institutions. In early 2012, the settlement participants appointed him
to oversee the agreement. His appointment is for a three-and-a-half year term. Mr. Smith is also Of Counsel at Poyner &
Spruill, and concentrates his practice in the banking and financial services area.
Mr. Smith previously served as North Carolina Commissioner of Banks, where he led an agency charged with the
supervision of banks and thrift institutions, the licensing and regulation of numerous firms and individuals engaged in
mortgage banking and brokerage, and the regulation of a variety of consumer finance enterprises. During his tenure as
Commissioner of Banks, he also served as Chairman of the Conference of State Bank Supervisors and was a founding
member of the Board of Managers of State Regulatory Registry, LLC, a limited liability company established to
implement a nationwide mortgage licensing system.
Before being appointed Commissioner of Banks in 2002, Mr. Smith practiced corporate, securities and banking law in
New York, Connecticut and North Carolina for twenty-seven years, including nine years as general counsel and secretary
of a North Carolina bank holding company and its bank subsidiary and four years as a partner with Poyner & Spruill.
Mr. Smith received his JD from the University of Virginia School of Law and his BA from Davidson College.
Thomas P. Vartanian
Dechert LLP
Tom Vartanian is a Partner at Dechert LLP in Washington, DC. He is a corporate counselor, regulatory advisor, litigator,
author, and deal maker who has represented a wide variety of financial services clients before federal financial agencies
and the Financial Stability Oversight Council on matters ranging from mergers and acquisitions, non-control investments,
FDIC receiverships and acquisitions, corporate restructurings, enforcement actions, fair lending, administrative
rulemaking challenges, GSE regulations and consolidations, and D&O liability.
Mr. Vartanian served in the Reagan Administration as General Counsel of the Federal Home Loan Bank Board and the
FSLIC, and prior to that, he served in the Office of the Comptroller of the Currency as Special Assistant to the Chief
Counsel and Senior Trial Attorney.
Mr. Vartanian received his JD from Brooklyn Law School and his BA from Cathedral College.
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Peter G. Weinstock
Hunton & Williams
Peter Weinstock is a Partner at Hunton & Williams in Dallas. His practice focuses on corporate and regulatory
representation of small to large regional and national financial institution franchises. During the past several years, he
has devoted substantial time to regulatory, law enforcement, and internal investigations of financial institutions. He is
Co-Practice Group Leader of the Financial Institutions Section. He has counseled institutions on numerous mergers and
acquisitions transactions, as well as provided representation on securities offerings and capital planning.
Mr. Weinstock received his JD from Duke University School of Law and his BA from State University of New York.
Phillip A. Wertz
Bank of America
Phillip Wertz is an Associate General Counsel in the Bank Regulatory Group of the Legal Department of Bank of America
Corporation. He provides enterprise-wide legal advice and subject matter expertise on U.S. bank regulatory matters. He
and his team coordinate bank regulatory applications, facilitate relationships with bank regulatory supervisors, provide
regulatory advice to lines of business and other support partners on requirements of applicable bank regulatory laws
and regulations and assist in influencing and commenting on legislative and regulatory proposals, both directly and
through trade associations.
Mr. Wertz has played key roles in the acquisition and integration of FleetBoston, MBNA, U.S. Trust, LaSalle,
Countrywide, and Merrill Lynch. More recently, he has been assisting in advising on the requirements, impacts and
strategies to manage changes resulting from the Dodd-Frank Act and other enhanced regulation of the financial services
industry.
Prior to joining Bank of America, Mr. Wertz was an associate with the law firm Cadwalader, Wickersham & Taft in
Charlotte where he worked on commercial and capital markets financing transactions.
Mr. Wertz receive his joint JD/LLM degree in law and a master’s degree in international and comparative legal studies
from Duke University School of Law, and his BA in English and Political Science from the University of North Carolina at
Chapel Hill.
Barry Zigas
Director of Housing Policy, Consumer Federation of America
Barry Zigas is the Director of Housing for the Consumer Federation of America, a position he has held since 2008. He is
responsible for CFA’s policies on housing and mortgage finance including secondary market systems, foreclosure and
loan modification policies, and community reinvestment issues. He also consults with housing and community
development nonprofits and foundations on strategy, innovation and leadership through his firm Zigas and Associates
LLC.
Mr. Zigas was Senior Vice President at Fannie Mae from 1995-2006, where he led the company’s single family
community lending initiatives, as well as corporate and regulatory reporting on the company’s housing goals,
investments in CDFIs, and support for homeownership counseling and education. He joined Fannie Mae in 1993 as Vice
President for Housing Impact.
Mr. Zigas received his BA from Grinnell College and is a graduate of the Wharton School’s Advanced Management
Program at the University of Pennsylvania.
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