PRE-CONFERENCE WORKSHOPS Wednesday 5 th September CONFERENCE DAY ONE Wednesday 5 th September 2018

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1 PRE-CONFERENCE WORKSHOPS Wednesday 5 th September :30 WORKSHOP REGISTRATION Tea & Coffee 10:00 WORKSHOP 1 ASIC Chris Green, Group Senior Manager - Credit, ASIC Richard McMahon, Senior Manager Deposit Takers, Credit & Insurers, ASIC Fleur Grey, Senior Specialist, Deposit-takers, Credit & Insurers, ASIC 11:30 Networking and refreshment break 12:00 WORKSHOP 2 Dentons Loan file audit - From intro to default Rachel Walker, Senior Associate, Dentons 13:30 Workshop Lunch and networking break CONFERENCE DAY ONE Wednesday 5 th September :45 CONFERENCE REGISTRATION Lunch, Tea & Coffee 14:15 OPENING Opening remarks from the Chair REGULATORY & INDUSTRY UPDATES 14:30 REGULATORY UPDATE ASIC Michael Saadat, Senior Executive Leader Deposit Takers, Credit & Insurers, Australian Securities & Investments Commission (ASIC) 15:15 INDUSTRY UPDATE Australia - a centre of excellence for RegTech RegTech offers solutions to the biggest problems financial institutions face today. Adapting these technologies will contribute to a more efficient, fair and transparent financial system that will see Australia lead the way. Julian Fenwick, Managing Director, GRC Solutions, Chair, The RegTech Association 15:45 Networking and refreshment break 16:10 INDUSTRY UPDATE Australian Banking Association Tony Pearson, Chief Economist & Executive Director, Australian Banking Association 16:40 ROUNDTABLE The challenges ahead - restoring confidence in our credit providers This session will discuss the impact of the new Banking Code of Practice as well as the formation of the Australian Financial Complaints Authority (AFCA) at a time when restoring consumer confidence has never been more important. On the back of ASIC s increase funding and proposed new regulatory strategy we will discuss the challenges ahead for the regulator and the industry as it responds to the intense scrutiny from the media and consumers alike under the Hayne Royal Commission findings so far. Tony Pearson, Chief Economist & Executive Director, Australian Banking Association Michael Saadat, Senior Executive Leader Deposit Takers, Credit & Insurers, ASIC Colin Neave AM, Customer Fairness Advisor, ANZ Philip Field, Lead Ombudsman, Banking & Finance, Financial Ombudsman Service Andrea Beatty, Consulting Principal, Keypoint Law Moderated by: Helen Gordon, CEO, Australian Finance Industry Association 17:30 CLOSING Closing remarks from the Chair 17:45 WELCOME RECEPTION Sponsored by Keypoint Law Andrea Beatty, Consulting Principal, Keypoint Law Page 1

2 CONFERENCE DAY TWO Thursday 6 th September :30 OPENING Opening remarks from the Chair Helen Gordon, CEO, Australian Finance Industry Association DIGITISATION, THE FUTURE AND WHAT CONSUMERS WANT 08:40 Why credit is a dirty word with millennials Looking at the future of the credit card and why millennials are choosing debit over credit. Chris Deeble, Associate, The Fold Legal 09:00 Imagery & language in credit advertising A picture tells a thousand words and the imagery used in, and presentation of, advertisements is just as important as the language used within them. The session will recap ASIC s recent action, the common pitfalls, and what good looks like in relation to advertising. Amber Warren, Partner, Dentons COMPREHENSIVE CREDIT REPORTING 09:30 ROUNDTABLE Financial inclusion & CCR CCR will significantly change the lending landscape in Australia and we discuss the implications for consumers and lenders alike. Looking at evidence from CCR pilot studies and learnings from overseas regimes we discuss who will benefit from positive data sharing and use. Matt Duncan, Head of Credit Strategy & Infrastructure, NAB Paul Abbey, Chief Risk Officer, MoneyPlace Karen Cox, Coordinator, Financial Rights Legal Centre Craig MacKenzie, Co-Founder & Director, Granite Home Loans Moderated by: Hong-Viet Nguyen, Partner, HWL Ebsworth EXTERNAL DISPUTE RESOLUTION GOING FORWARD 10:15 INDUSTRY UPDATE The Australian Financial Complaints Authority The Hon Helen Coonan, Chair, Australian Financial Complaints Authority (AFCA) 10:45 Networking and refreshment break RESPONSIBLE LENDING 11:00 INTERVIEW Update on the Combined Industry Forum Christine Cupitt, Executive Director, Policy, Australian Banking Association Interviewed by: Helen Gordon, CEO, Australian Finance Industry Association 11:20 Financial hardship Invaluable insights into what causes financial hardship and why Australian households are experiencing serious debt overload Gregory Mowle, Lecturer, The University of Canberra 11:40 ROUNDTABLE Risk & reputation - rebalancing stakeholder interests Will tougher penalties impact lending behaviour? We discuss rebalancing stake-holder interests to manage risk and reputation. Gregory Mowle Lecturer, The University of Canberra Katherine Temple, Senior Policy Officer, Consumer Action Law Centre Scott Stierli, Senior Legal Counsel - Regulatory Projects, Aussie Tommy Kiang, Senior Policy Manager, COBA Moderator: James Moore, Partner, HWL Ebsworth Page 2

3 12:20 Lunch and networking break MORTGAGE FINANCE 13:00 Legal considerations with a digital mortgage The digital space provides its challengers for mortgages and we take a closer look at the legal considerations around providing credit online. Joshua Annese, Partner, Piper Alderman 13:20 KEYNOTE Lessons learnt from the GFC 10 years on 10 years since the collapse of Lehman Brothers we reflect on what Australia has learnt from such a crisis and how it still influences decisions around risk today. Phil White, Chief Executive Officer, QBE Mortgage Lenders Insurance 13:45 ROUNDTABLE Lending standards and the digital space Australia still takes cautionary steps when it comes to mortgage innovation and with the amount of innovation occurring in the digital space with open data we discuss how useful data informs risk takers today. Phil White, Chief Executive Officer, QBE Mortgage Lenders Insurance Brandon Khoo, Executive General Manager, Diversified Institutions Division, APRA Christine Cupitt, Executive Director, Policy, Australian Banking Association Simon Elwig, Head of Lending, CoreData Research Moderated by: Michael Anastas, Partner, HWL Ebsworth 14:30 Network and refreshment break SMALL BUSINESS LENDING 14:50 OMBUDSMANS ADDRESS Unfair contracts Anne Scott, Principal Adviser, Small Business & Family Enterprise Ombudsman 15:10 Small Business finance Andrew Galvin, Partner, HWL Ebsworth 15:35 ROUNDTABLE Will technology companies change the game? Regardless of the model used to originate business credit shared key legal issues arise. Exploring some of these issues that are unique to small-business lending, which include, determining the purpose of the loan and whether certain consumer laws apply, we look at licensing and digital contracting issues among other prudential regulations. We examine what constitutes a business purpose for a loan and ask will companies like Amazon lending to small businesses and who are making informed decisions based on useful data change the game? Anne Scott, Principal Adviser - Small Business & Family Enterprise Ombudsman Suanne Russell, Practice Leader Business Lending, Westpac Alex Twigg, Co-Founder & CIO, Judo Capital Moderator: David Carter, Partner, Dentons ENFORCEMENTS 16:20 Enforcements update Rod Cameron, Partner, Hicksons Lawyers DATA BREACHES 16:50 Data breaches & the legal ramifications 17:15 CLOSING Closing remarks from the Chair 17:20 CLOSE OF DAY TWO 19:00 GALA DINNER Sponsored by HWL Ebsworth Lawyers Page 3

4 09:00 OPENING Opening remarks from the Chair Amber Warren, Partner, Dentons THE FUTURE OF FINANCIAL REGULATION CONFERENCE DAY THREE Friday 7th September :05 KEYNOTE Trust & accountability in the digital age Professor Justin O Brien, Director, The Trust Project 09:35 FIRESIDE CHAT Self-regulation and the regulators role Has regulation become self-defeating? We discuss the obligations of the regulator and the regulated in these challenging times for the industry. There is a need for both but are we in need of a Financial Regulator Assessment Board? The Murray Inquiry recommended such a board be in place to provide further oversight and we debate the current regulatory architecture and why such a board is necessary, whilst acknowledging the current Royal Commission into Misconduct in the Banking, Superannuation and Financial Services Industry. Professor Justin O Brien, Director, The Trust Project Dr Andy Schmulow, Senior Lecturer, The University of Wollongong Moderator: Dr Hilary Ray, Partner, Cowell Clarke 10:15 Network and refreshment break CURRENT REVIEWS IN AUSTRALIA 10:45 Open Banking the consumer s perspective Open banking will give the consumer greater control of the data that banks and other financial institutions currently hold. This session will examine the implications around retrieving data from a financial services provider to share with a third party whilst looking at the institution s obligations to the consumer. Looking at the United Kingdom and South African models we learn from their lessons so far what is best practice. Katherine Forrest, Partner, King & Wood Mallesons IDENTITY, FRAUD & CYBER-SECURITY 11:15 INSIGHTS Fraud in the digital age Scott Ainslie, Regional Director, Financial Services - ISAC TOWARDS BETTER CONSUMER OUTCOMES 11:45 ROUNDTABLE Managing consumer expectations in a climate of greater distrust We examine the positive impact of customer advocacy when an organisation gets it right and discuss what that internal process looks from bank to bank. Looking at the difference in approach between institutions we discuss the role the advocates are playing towards better consumer outcomes and how they may be called to play a greater role going forward. Jo McKinstray, Customer Advocate, ANZ Dr Brendan French, Group Customer Advocate & Executive General Manager Customer Advocacy and Remediation, CBA Adrian Ahern, Group Customer Advocate, Westpac Clare Petre, Independent Customer Advocate, NAB Moderated by: Amanda Storey, Director Legal Practice, Consumer Action Law Centre 12:45 END OF CONFERENCE Lunch Page 4

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