World Council of Credit Unions Annual Conference Program

canada's capital calls!

World Credit Union Conference

PRO GR A M BO O K

July 14–17, 2013 Ottawa, Canada

In Co-operation With:

www.Ottawa2013.org

Premier Sponsor:

Building a Global Community

World Council of Credit Unions is proud to serve as the global trade association and development agency for credit unions and financial cooperatives worldwide.

Together with our members, we are pleased to promote the sustainable development of credit unions and empower credit union members through access to high quality and affordable financial services worldwide. Our international development programs assist credit unions and their associates with rebuilding efforts, providing access to the underserved, developing integrated business networks, supporting communities at risk and encouraging legislative reform and regulatory system development.

World Council of Credit Unions Direct Members: Afghanistan – IIFC Group • Australia – Abacus Australian Mutuals • Azerbaijan – Azerbaijan Credit Union Association • Brazil – Confederação Interestadual das Cooperativas Ligadas ao Sicredi • Cameroon – Cameroon Co-operative Credit Union League, Ltd. • Canada – Credit Union Central of Canada • Caribbean – Caribbean Confederation of Credit Unions • Colombia – Federación Nacional de Cooperativas de Ahorro y Crédito Financieras • Costa Rica – Federación de Cooperativas de Ahorro y Crédito de Costa Rica R.L. • Dominican Republic – Asociación de Instituciones Rurales de Ahorro y Crédito, Inc. • El Salvador – Federación de Asociaciones Cooperativas de Ahorro y Crédito de El Salvador, R.L. • Estonia – Estonian Union of Credit Cooperatives • Gambia – National Association of Cooperative Credit Unions of The Gambia • Ghana – Ghana Co-operative Credit Union Association, Ltd. • Great Britain – Association of British Credit Unions, Ltd • Guatemala – Federación Nacional de Cooperativas de Ahorro y Crédito de Guatemala • Ireland – Irish League of Credit Unions • Kenya – Kenya Union of Savings & Credit Co-operatives, Ltd. • Macedonia – FULM Savings House • Malawi – Malawi Union of Savings and Credit Co-operatives, Ltd. • Mexico – Caja Popular Mexicana • Moldova – Central Association of Savings and Credit Associations • New Zealand – New Zealand Association of Credit Unions • Nicaragua – Central de Cooperativas de Ahorro y Crédito Financieras de Nicaragua, R.L. • Panama – Corporación Fondo de Estabilización y Garantía de Cooperativas de Ahorro y Crédito de Panamá, R.L. • Papua New Guinea – Federation of Savings and Loan Societies, Ltd. • Paraguay – Central de Cooperativas del Area Nacional Ltda. • Peru – Federación Nacional de Cooperativas de Ahorro y Crédito del Perú • Poland – National Association of Co-operative Savings & Credit Unions • Romania – Federation of Romanian Credit Unions • Russia – Russian Credit Union League • Seychelles–Seychelles Credit Union • Singapore – Singapore National Co-operative Federation • Ukraine – Ukrainian National Association of Savings and Credit Unions • United States – Credit Union National Association. Affiliate Members: Belarus – Republican Association of Consumer Cooperatives for Mutual Financial Assistance • Liberia – Liberia Credit Union National Association. Associate Members: International Cooperative Banking Association • International Raiffeisen Union • Poland – Cooperative Savings and Credit Union Mutual Insurance Society • United States – CO-OP Financial Services, CU Direct Corporation, Credit Union Executives Society, CUNA Mutual Group, The Members Group • United Kingdom – CUSSCO, Ltd., International Cooperative & Mutual Insurance Federation.

5710 Mineral Point Road • Madison, WI 53705 USA 601 Pennsylvania Ave, NW • South Bldg., Ste. 600 • Washington, D.C. 20004 USA +1-608-395-2000 • WWW.WOCCU.ORG

Credit Union Visit & Tour Information

Conference Agenda & Session Descriptions

Agenda at a Glance Sunday Schedule of Events Monday Schedule of Events Tuesday Schedule of Events Wednesday Schedule of Events Breakout Session Descriptions

General Session Speakers Breakout Session Speakers

19 21 22 24 26 28

38 42

20 13

Speakers

12

Ottawa

World Credit Union Conference

General Conference Information

Sponsors & Exhibitors

Sponsors 56

Exhibitors 58

Maps 68

Table Of Contents

3

Welcome! ¡Bienvenidos!

On behalf of World Council of Credit Unions and in co-operation with Credit Union Central of Canada, we are pleased to welcome you to the 2013 World Credit Union Conference in Canada’s capital city, Ottawa.

We have experienced many changes in our industry over the past few years, and now is an ideal time to reflect on our progress and think strategically about the future of the global credit union movement.

On Saturday, credit union leaders from across Latin America met for the Latin American Congress. There they discussed key issues specifically facing the region, including technology, lobbying techniques and transaction networks.

Over the next four days, we will tackle some of our most challenging issues and pressing concerns, including leadership development, payment systems, mobile technology, social media and global advocacy. To do this, we have brought together some of the world’s top thought leaders from both inside and outside the industry to help identify programs and strategies for use at your own credit union.

Throughout the conference, we encourage you to take advantage of the powerful professional networks available to you by introducing yourself to industry peers and experts who are challenging “business as usual” every day.

Your presence at this year’s conference speaks to your commitment to credit union growth and development worldwide. Thank you for your important role in building a global community.

In solidarity,

Manuel Rabines

Brian Branch

Chair World Council of Credit Unions

President & CEO World Council of Credit Unions

World Council Board of Directors Manuel Rabines, Chair – Peru • Grzegorz Bierecki, 1st Vice Chair – Poland • Anne Cochran, 2nd Vice Chair – USA • Daniel Burns, Treasurer – Canada • Louise Petschler, Secretary – Australia • Manfred Dasenbrock, Director – Brazil • Bruce Foulke, Director – USA • Ron Hance, Director – USA • Patrick Jury, Director – USA • Sylvester Kadzola, Director – Malawi • Scott Kennedy, Director – Canada • Brian McCrory, Director – Ireland • Yvonne Ridguard Harris, Director – Caribbean

4

®

YEARS

151 Yonge Street, Suite 1000, Toronto, ON M5C 2W7 Tel.: (416) 232-1262 Fax: (416) 232-9196 www.cucentral.ca

SUPPORTING CANADA’S

CREDIT UNIONS

Welcome to Canada! Bienvenue au Canada!

And welcome to the 2013 World Credit Union Conference.

On behalf of Canadian credit unions, Credit Union Central of Canada (Canadian Central) is honoured to act as your co-host, along with World Council of Credit Unions, in our nation’s capital, beautiful Ottawa, Ontario.

Canadian credit unions have a rich history of co-operation and collaboration in fostering innovative ideas that help to grow and strengthen the credit union system in our country. With over 5.3 million members, and serving over 1,000 communities across the country, Canadian credit unions play a vital role in supporting the socioeconomic well-being of the communities we serve.

Over the next few days, you will have the opportunity to network with your peers from around the globe, sharing your perspectives and unique credit union experiences. You will enjoy workshops that engage, keynote speakers that inspire, and participate in sessions that challenge a new way of thinking. We’ll celebrate our strengths, our values and our commitment to the communities and members we serve.

We are delighted to have the opportunity to share our country’s unique cultural diversity, traditions and natural beauty. Home to our nation’s federal government, Ottawa is a fantastic location to host this year’s conference. The city is alive with world renowned museums and galleries, the famous Rideau Canal, fine cuisine and shopping at ByWard Market. It is our hope that you enjoy your time in Ottawa and that you take in all that the city has to offer.

In the true spirit of co-operation, we come together to learn, share and grow. We encourage you to get involved, participate and have a wonderful experience at this prestigious international event.

Sincerely,

Daniel Burns

David Phillips

Chairperson Credit Union Central of Canada

President & CEO Credit Union Central of Canada

Credit Union Central of Canada Board of Directors Daniel Burns, Chair • Graham Wetter, 1st Vice Chair • Scott Kennedy, 2nd Vice Chair • Loretta Elford • David MacLean • Paul MacNeill • Garth Manness • J. Philip Moore • Don Rolfe • Doug Stoddart

5

Countries represented at the 2013 World Credit Union Conference Australia....................... 65 Azerbaijan.................... 2 Bahamas....................... 26 Barbados...................... 39 Belgium........................ 2 Bermuda...................... 5 Botswana..................... 5 Brazil............................. 88 Cambodia..................... 2 Cameroon.................... 9 Canada......................... 1049 Cayman Islands............ 2 Colombia...................... 45 Costa Rica..................... 18 Dominica...................... 4 Dominican Republic.........24 Ecuador........................ 1 Estonia.......................... 1 Fiji................................. 1 Germany...................... 1

Ghana........................... 56 Great Britian................. 23 Guatemala.................... 27 Guyana......................... 10 Honduras...................... 5 India............................. 3 Ireland.......................... 94 Jamaica......................... 20 Kenya............................ 41 Lesotho........................ 2 Lithuania...................... 3 Macedonia................... 1 Malawi......................... 2 Mexico.......................... 44 Moldova....................... 7 Myanmar...................... 1 New Zealand................ 18 Pakistan........................ 1 Panama........................ 3 Papua New Guinea...... 2

TOTAL ATTENDEES: 2,376 Attendee numbers current as of June 16, 2013.

6

Paraguay....................... 5 Peru.............................. 13 Philippines.................... 1 Poland.......................... 24 Romania....................... 9 Russian Federation....... 27 Rwanda........................ 1 Saint Kitts and Nevis.... 2 Saint Lucia.................... 1 Saint Vincent and The Grenadines............ 1 Singapore..................... 19 South Africa.................. 3 Switzerland................... 2 Tanzania....................... 2 Thailand....................... 3 Timor-leste................... 2 Trinidad and Tobago.... 70 Ukraine......................... 12 United States................ 426 Zambia......................... 1

YOUR BUSINESS GOALS OUR PROVEN SOLUTIONS Account Management and Processing Campaign Management and Marketing Implementation

Portfolio Strategies

Segmentation

Put the power of MasterCard to work for you.

MasterCard Advisors provides end-to-end, integrated global services to help organizations grow and attract new customers. We’ve developed ready-to-implement solution sets to improve and build your credit union’s payment cards business.

actions you can take to reduce portfolio fraud and write-offs. Advanced segmentation reveals new and profitable ways to engage your cardholders, and our portfolio strategies maximize your client acquisition programs and increase your account retention efforts.

Our global insights help you design and implement effective marketing campaigns quickly and easily, while our proven approach to account management identifies

Special Offer: Visit our booth to learn about MasterCard Advisors Solution Sets. While there, ask about our special offer only for WOCCU attendees.

To learn more, download information on our Card Payment Solution Sets at: www.mastercardadvisors.com/woccu.html If you don’t have a QR code reader, download one from your app store.

7

Canada’s credit unions

Welcome

Global credit union leaders.

We are proud supporters of the International Credit Union Movement and have helped shape Canada’s financial landscape through co-operation, innovation and commitment to communities.

membership

5.3

affiliated credit unions

339

million

assets

employees

27,600

$154.2 ® HANDS & GLOBE design is a registered certification mark of the World Council of Credit Unions, used under license.

billion

151 Yonge Street, Suite 1000, Toronto, ON M5C 2W7 Tel.: (416) 232-1262 Fax: (416) 232-9196 www.cucentral.ca

YEARS SUPPORTING CANADA’S

CREDIT UNIONS

Ottawa World Credit Union Conference

20 13

General Conference Information

9

Ottawa World Credit Union Conference

20 13

General Conference Information

Registration & Information Center

The Registration and Information Center is located on Level 1 in the Ottawa Convention Centre and will be open during the following hours: Friday, July 12 12:00 Noon – 5:00 pm (tour ticket pick-up only) Saturday, July 13 8:00 am – 5:00 pm Sunday, July 14 8:00 am – 5:00 pm Monday, July 15 8:00 am – 5:00 pm Tuesday, July 16 8:00 am – 5:00 pm Wednesday, July 17 8:00 am – 5:00 pm

Conference Attire

The following dress guidelines are suggested: Opening Ceremony & Welcome Reception: National or business attire General Sessions & Breakout Sessions: Business casual Credit Union Visits: Business casual Awards Ceremony & Closing Night: Business casual or casual attire Comfortable walking shoes are recommended for those participating in World Council tours or planning to explore Ottawa’s tourist attractions after conference hours.

Exhibitor Showcase

Mix and mingle with credit union vendors and discover valuable new products and services to help you better serve your members. Exhibits are on Levels 2 and 3 of the Ottawa Convention Centre. Turn to page 58 for a list of exhibitors onsite throughout the conference.

Name Badges

Full Conference Registrants must wear their name badge as identification to access ALL business sessions and any social networking events which include: opening ceremony, welcome reception, awards ceremony, general sessions, breakout sessions, closing night event and all meal functions, including refreshment breaks and lunches.

As a registered Full or Social Companion, your name badge is your identification to access the opening ceremony, welcome reception, awards ceremony and closing night event. Full companions must also wear name badges during their day tours.

Mobile Phones & Electronic Devices

As a courtesy to our speakers and other participants, please silence your mobile phone or any electronic device when in sessions.

Engage With Us! Follow @WOCCU #WCUC2013 New to Twitter? Bring your mobile device to the World Council booth Monday and Tuesday between 10:45 am–11:15 am or 1:00 pm–2:00 pm for a quick tutorial.

10

Conference Internet Access

Sponsored by

Sponsored by Credit Union Direct Lending, three Internet café kiosks will be available for both business and personal use. The Internet kiosks will be located in the exhibit areas on the second and third floor foyer and in Canada Hall of the Ottawa Convention Centre and will be available during the following hours: Sunday, July 14 Monday, July 15 Tuesday, July 16 Wednesday, July 17

6:15 pm – 8:00 pm 8:00 am – 5:00 pm 8:00 am – 5:00 pm 8:00 am – 11:00 am

Seating at Sessions

All seating is available on a first-come, first-served basis, unless otherwise reserved for conference speakers and/or dignitaries.

This includes the opening ceremony, awards ceremony, general sessions and breakout sessions. Rooms will be open 15 minutes prior to the start of each session.

Educational Breakout Session Presentations

Presentations are available on the 2013 World Credit Union Conference website, www.Ottawa2013.org. Some speakers may distribute supplemental handouts.

Hotel Accommodations

Official hotels for the 2013 World Credit Union Conference are: • Westin Ottawa 11 Colonel By Drive, Ottawa, phone: +1 613-560-7000 • The Novotel Ottawa 33 Nicholas Street, Ottawa, phone: +1 613-230-3033 • Fairmont Château Laurier 1 Rideau Street, Ottawa, phone: +1 613-241-1414 • The Lord Elgin 100 Elgin Street, Ottawa, phone: +1 613-235-3333 • Ottawa Marriott Hotel 100 Kent Street, Ottawa, phone: +1 613-238-1122 • Les Suites 130 Besserer Street, Ottawa, phone: +1 613-232-2000

First Aid

There is a first-aid station located at the Ottawa Convention Centre which will be staffed Saturday, July 13 – Wednesday, July 17. Please alert the registration staff if you need medical attention.

Lost & Found

Lost and found for the Ottawa Convention Centre will be located at the Registration and Information Center during posted hours.

Ottawa World Credit Union Conference

20 13

Simultaneous Interpretation

Simultaneous interpretation from English-to-Spanish will be provided during the following sessions:

Sunday, July 14

5:00 pm – 6:15 pm: Opening Ceremony and International Flag Parade

Monday, July 15

9:00 am – 10:45 am: General Session 11:15 am – 12:45 pm: Breakout Sessions • [M02] A Dialogue with Leaders in Mobile Wallets • [M05] Challenging the Barriers to Credit Union Growth

2:00 pm – 3:30 pm: Breakout Sessions

• [M06] Emerging Trends in Governance • [M07] Empowering Members Through Mobile Banking

4:30 pm – 5:30 pm: World Council Annual General Meeting

Tuesday, July 16

9:00 am – 10:45 am: General Session 11:15 am – 12:45 pm: Breakout Sessions • [T03] Payment Systems for the Underserved: Case Studies from Colombia and Kenya • [T04] Limiting Regulatory Burdens to Promote Financial Inclusion

2:00 pm – 3:30 pm: Breakout Sessions

• [T09] Understanding Regulatory Capital Needs: Basel III and Beyond • [T10] What Credit Unions Can Learn from Consumer Trends

Wednesday, July 17

9:00 am – 10:30 am: Breakout Sessions • [W02] Marketing Through Social Media • [W03] Applying Strategic Financial Planning for Credit Union Success

11:00 am – 12:45 pm: General Session 5:00 pm – 6:45 pm: Awards Ceremony & Closing Session

Simultaneous English-to-Portuguese and English-to-Russian interpretation will be provided during the following sessions:

Sunday, July 14

5:00 pm – 6:15 pm: Opening Ceremony and International Flag Parade

Monday, July 15

9:00 am – 10:45 am: General Session 11:15 am – 12:45 pm: Breakout Session • [M05] Challenging the Barriers to Credit Union Growth

2:00 pm – 3:30 pm: Breakout Session

• [M07] Empowering Members through Mobile Banking

4:30 pm – 5:30 pm: World Council Annual General Meeting

Tuesday, July 16

9:00 am – 10:45 am: General Session 11:15 am – 12:45 pm: Breakout Session • [T04] Limiting Regulatory Burdens to Promote Financial Inclusion

2:00 pm – 3:30 pm: Breakout Session

• [T09] Understanding Regulatory Capital Needs: Basel III and Beyond

Wednesday, July 17

9:00 am – 10:30 am: Breakout Session • [W03] Applying Strategic Financial Planning for Credit Union Success

11:00 am – 12:45 pm: General Session 5:00 pm – 6:45 pm: Awards Ceremony and Closing Session

INTERPRETATION KEY: Selected sessions will be simultaneously interpreted into Spanish, Portuguese and Russian.

Some sessions will have the symbol next to them. = Spanish, Portuguese and Russian.

11

Ottawa World Credit Union Conference

20 13

General Conference Information

Shuttle Information

All conference sessions will take place at the Ottawa Convention Centre, which is connected to the Westin Ottawa and within walking distance to the following hotels: •

The Novotel Ottawa

•

Fairmont Château Laurier

•

The Lord Elgin

•

Les Suites

Bus shuttles will be provided for guests staying at the Ottawa Marriott Hotel.

Transportation will run from Sunday, July 14, to Wednesday, July 17. Please consult the shuttle schedule sign or transportation representative in the hotel lobby for specific departure and return times.

Day Tour Information

If you are registered for one of the conference day tours please meet by the Tour Meeting Point sign located on Level 1 of the Ottawa Convention Centre 15 minutes before departure. Be sure to remember your tour tickets. This will help speed up the lines and ensure the tours depart on time.

Limited tour tickets may be available for purchase on-site at the Registration and Information Center depending on availability.

Tours include:

Discover the Capital City Tour with Changing of the Guard Ceremony Saturday, July 13 Sunday, July 14

9:00 am — 1:00 pm 9:00 am — 1:00 pm

Royal Canadian Mounted Police Stables & the National Gallery of Canada Monday, July 15 Tuesday, July 16

9:00 am — 1:00 pm 9:00 am — 1:00 pm

Ottawa River Cruise, Gatineau Park & Mackenzie King Estate (Lunch Included) Monday, July 15 Wednesday, July 17

9:30 am — 3:30 pm 9:30 am — 3:30 pm

Rideau Hall & the Royal Canadian Mint (Lunch Included) Sunday, July 14 Tuesday, July 16 Wednesday, July 17

9:30 am — 3:30 pm 9:30 am — 3:30 pm 9:30 am — 3:30 pm

Upper Canada Village (Lunch Included) Sunday, July 14 Monday, July 15

8:30 am — 3:30 pm 8:30 am — 3:30 pm

Montreal: One of the World’s Great Cities (Lunch Included) Saturday, July 13 Tuesday, July 16

12

8:00 am — 5:00 pm 8:00 am — 5:00 pm

Ottawa’s Credit Union Visits – Tuesday, July 16

Registration begins Sunday, July 14, at 8:00 am on a first-come, first-served basis. Sign up at the Credit Union Visits desk by the Registration and Information Center on Level 1 of the OCC. There is a US$20 per person fee to attend; payment will be required at the time of registration. Transportation to and from the credit unions will be provided from the OCC. Buses will depart at 4:30 pm and return by 7:00 pm. Space is limited; companions are not permitted to attend. Dress is business casual. The following seven credit unions are available to tour: • Alterna Savings and Credit Union Ltd., Ottawa As Canada’s first co-operative financial institution founded in 1908, Alterna Savings and Credit Union Ltd. is a full-service, member-owned credit union. Alterna Savings serves over 100,000 members through a 21-branch network throughout the province of Ontario, and currently holds C$2.3 billion in assets. Alterna is committed to the communities it serves, actively participating in and supporting numerous community programs, as well as supporting local non-profits and small to medium-sized businesses by providing affordable financial services.

• Buduchnist Credit Union Ltd., Ottawa Founded in 1952, Buduchnist Credit Union (BCU) Ltd. is Canada’s largest Ukrainian-Canadian financial institution and Ontario’s largest ethnic-based credit union which serves Ottawa’s Ukrainian community, as well as communities surrounding its seven branches. As a full-service credit union, BCU works closely with its members, providing scholarships, local sponsorships and support to noteworthy member-supported projects. BCU is the only Ukrainian-Canadian financial institution, whose member-driven initiative, helped establish the BCU Foundation—a Canadian non-profit foundation committed to supporting cultural and educational projects which foster the Ukrainian identity in Canada.

FINANCIAL GROUP

• Caisse populaire Rideau-Vision d’Ottawa, Ottawa As one of Canada’s financial co-operatives, Caisse populaire Rideau-Vision d’Ottawa celebrated its 100th anniversary in 2012 and contributed more than 100 000 $ to the community development. The Caisse manages a business volume of more than $1.2 billion and serves nearly 20,000 members, who have access to a full range of services through six service centers.

• Frontline Financial Credit Union, Ottawa Established in 1948 as Ottawa Fire Fighters Credit Union, Frontline Financial Credit Union today serves more than 4,000 Ottawa firefighters, hydro employees, hospital employees, their families and the Westboro Community. Frontline Financial prides itself in understanding the complexities of family financial situations and provides creative and efficient financial services solutions. The full-service credit union offers savings and chequing accounts, personal loans, mortgages and mutual funds.

• Meridian Credit Union, Ottawa Meridian is Ontario’s largest credit union, helping to grow the lives of its more than 250,000 Members, including 15,000 Commercial Members. Among the top-rated credit unions and banks of any size in North America for customer service, Meridian delivers a full range of financial services on-line, by phone, by smartphone and through a network of 61 branches and eight commercial business centres.

Meridian Members have access to services not available through banks, such as no-fee access to North America’s largest ABM network, with 250,000 machines across Canada and the United States, and Deposit Anywhere, a new mobile banking feature that allows Members to deposit cheques via their smartphones.

• Ottawa Women’s Credit Union, Ottawa For over 30 years, the Ottawa Women’s Credit Union has been banking on community equality, justice and empowerment. We pride ourselves on our social justice focus and the support of local women, families, businesses and the diverse Ottawa community. The OWCU offers a full spectrum of in person and online banking and financial services while maintaining our warm and friendly personal service. We empower all members by providing equitable access to financial services by offering information and advice in a supportive environment. The OWCU is the only remaining women’s credit union in North America.

• Your Credit Union, Ottawa Established in 1950, Your Credit Union is comprised of six distinct groups - the Education Group, the Municipal Group, the Ottawa Citizen Group, the United Counties Education group, the Howard Smith Group, and the Trillium Group; thus serving members across the Ottawa-Carleton, Cornwall, and rural Eastern Ontario regions. Your Credit Union became an open bond financial institution allowing it to open its doors to the communities it serves and invites anyone to become a member owner. It proudly serves its member owners from three locations: Ottawa Centre, Ottawa West and Cornwall, Ontario.

13

WORLD COUNCIL SUPPORTERS! $500 - $999

Julie Allen & William Walters - Madison, WI, USA Gene & Helena Brody - Brooklyn, NY, USA Kathy & Russell Chartier - Stamford, CT, USA Linda Darling - Tampa, FL, USA Andrew Downin - Santa Ana, CA, USA Gerry & Pat Foley - Dublin, Ireland Bruce & Melissa Foulke - Philadelphia, PA, USA Becky Hart - Columbus, OH, USA William Knight - Ottawa, Canada Dr. Bernard & Linda Micke - Madison, WI, USA Lisa Nissinen-Harlow - Santa Maria, CA, USA George Papaioannou - Merrick, NY, USA Louise Petschler - Sydney, Australia Dolores Rivera Ramirez - Zongolica, Veracruz, Mexico Catherine Roberts & Raymond Norkus - Dearborn, MI, USA Shirley Senn - Jacksonville, FL, USA Steven & Michelle Stapp - San Francisco, CA, USA Jack & Jenni Van Kauwenbergh - Oregon, WI, USA Lilia Castañeda Sanchez - León, Guanajuato, Mexico

BRONZE INDIVIDUALS

$1,000 - $2,499

Jean & Jim Blaine - Franklinton, NC, USA Daniel Burns - Vancouver, BC, Canada Drayton Carter - St. Thomas, Barbados David & Kris Chatfield - Prescott, AZ, USA Christine & Bill Cheney - Washington, DC, USA Anne Cochran - Harahan, LA, USA Isabelle Connors - Ogden, UT, USA Mary Martha & Ken Fortney - Centreville, VA, USA Monica & Hank Hubbard - Grosse Pointe, MI, USA Judy & Richard Ensweiler - Dallas, TX, USA Joseph Finnigan II - South Burlington, VT, USA Teresa Freeborn & Douglas Regelous - Redondo Beach, CA, USA Deborah & John Gilbert - Melbourne, Australia Marsha & Ron Hance - Rutland, VT, USA Roger & Chris Heacock - Rapid City, SD, USA Barry & Carole Jolette - Pleasanton, CA, USA Patrick Jury - West Des Moines, IA, USA Lois Kitsch - Washington, DC, USA Harriet May - El Paso, TX, USA Richard Miller - Bowling Green, KY, USA John Magill - Alexandria, VA, USA Rebecca Nixon - Mountain View, CA, USA Julia Rainer - Northfield, IL, USA Susan Mitchell & Michael Stankovic - Boulder City, NV, USA Joanne and Jeffrey Todd - Windham, CT, USA Patsy & John Van Ouwerkerk - Vacaville, CA, USA Patricia Wesenberg - Marshfield, WI, USA

BRONZE

$1,000 - $2,499

1st Gateway Credit Union - Camanche, IA, USA 66 Federal Credit Union - Bartlesville, OK, USA Agriculture Federal Credit Union - Alexandria, VA, USA ALM First Financial Advisors - Dallas, TX, USA Amplify Federal Credit Union - Austin, TX, USA Anheuser-Busch Employees Credit Union - St. Louis, MO, USA Anonymous Association of Ethiopian Microfinance Institutions - Addis Ababa, Ethiopia Atlantic Central - Halifax, NS, Canada Atlantic Regional Federal Credit Union - Brunswick, ME, USA Bay Ridge Federal Credit Union - Brooklyn, NY, USA Beehive Federal Credit Union - Rexburg, ID, USA Belco Community Credit Union - Harrisburg, PA, USA Bishopstown Credit Union Ltd. - Bishopstown, Cork, Ireland BIU Credit Union Co-op. Society - Basseterre, Bermuda Black Hills Federal Credit Union - Rapid City, SD, USA BMI Federal Credit Union - Dublin, OH, USA Border Federal Credit Union - Del Rio, TX, USA Burns-Fazzi, Brock & Associates - Charlotte, NC, USA Canning’s Employees’ Credit Union - Port of Spain, Trinadad & Tobago Canyon State Credit Union - Phoenix, AZ, USA Capital Credit Union Ltd. - Edinburgh, Scotland Caribbean Confederation of Credit Unions - Fortlands, Basseterre, St. Kitts & Nevis Caribbean CUDE Program - Castries, St. Lucia Central de Cooperativas del Área Nacional Ltda. - Asunción, Paraguay Chinook Credit Union Ltd. - Brooks, AB, Canada Christian Community Credit Union - San Dimas, CA, USA City County Credit Union of Fort Lauderdale - Ft. Lauderdale, FL, USA Clackamas Community Federal Credit Union - Oregon City, OR, USA CoastHills Federal Credit Union - Lompoc, CA, USA Coca-Cola Company Family Federal Credit Union - Atlanta, GA, USA Comhar Linn INTO Credit Union Ltd. - Dublin, Ireland Communicating Arts Credit Union - Detroit, MI, USA Community Choice Credit Union - Farmington Hills, MI, USA Community Credit Union of Florida - Rockledge, FL, USA CommunityAmerica Credit Union - Lenexa, KS, USA Congressional Federal Credit Union - Washington, DC, USA Consolidated Credit Union Ltd. - Borden-Carleton, PE, Canada Co-op Services Credit Union - Livonia, MI, USA Cooperativa Abraham Rosa - Toa Baja, Puerto Rico COOPESERVIDORES, R.L. - San Jose, Costa Rica Corporate America Credit Union - Irondale, AL, USA CPM Federal Credit Union - North Charleston, SC, USA Credit Union 24, Inc. - Tallahassee, FL, USA Credit Union Association of Oklahoma - Oklahoma City, OK, USA Credit Union Baywide - Hastings, New Zealand Credit Union Executives Society - Fitchburg, WI, USA Credit Union League of Connecticut - Meriden, CT, USA

CANADA

Credit Union North - Mt. Maunganui, New Zealand Credit Union of Atlanta - Atlanta, GA, USA Defense Credit Union Council - Washington, DC, USA Dept. of Commerce Federal Credit Union - Commerce, CA, USA Dupaco Community Credit Union - Dubuque, IA, USA Dynamic Federal Credit Union - Celina, OH, USA Elevations Credit Union - Boulder, CO, USA Fairfax County Federal Credit Union - Fairfax, VA, USA Fairwinds Credit Union - Orlando, FL, USA Federación Nacional de Cooperativas de Ahorro y Crédito del Perú - Lima, Peru Fintech Kenya Ltd. - Nairobi, Kenya First Class American Credit Union - Fort Worth, TX, USA First Community Credit Union - Chesterfield, MO, USA First Credit Union - Hamilton, New Zealand First Entertainment Credit Union - Hollywood, CA, USA First Source Federal Credit Union - New Hartford, NY, USA floridacentral Credit Union - Tampa, FL, USA Fox Community Credit Union - Chesterfield, MO, USA Fundación José Maria Covelo - Tegucigalpa, Honduras GE Capital Solutions - Overland Park, KS, USA Gesa Credit Union - Richland, WA, USA GESRO Co-op Credit Union - Takorari, Ghana Ghana Co-operative Credit Union Association Ltd. - Accra–North, Ghana Glasgow Credit Union - Glasgow, Scotland Greater Nevada Credit Union - Carson City, NV, USA Heritage Family Federal Credit Union - Rutland, VT, USA Hiway Federal Credit Union - St. Paul, MN, USA IBM Southeast Employees’ Federal Credit Union - Boca Raton, FL, USA Illinois Credit Union System - Naperville, IL, USA Inova Federal Credit Union - Elkhart, IN, USA Jamaica Co-operative Credit Union League Ltd. - Kingston, Jamaica Jamaica Police Co-operative Credit Union Ltd. - Kingston, Jamaica Kansas Credit Union Association - Wichita, KS, USA Keesler Federal Credit Union - Biloxi, MS, USA Kenya Bankers SACCO Society Ltd. - Nairobi, Kenya Langley Federal Credit Union - Hampton, VA, USA Library of Congress Federal Credit Union - Hyattsville, MD, USA Maine Credit Union League - Portland, ME, USA Malawi Union of Savings and Credit Co-operatives, Ltd. - Lilongwe, Malawi Manheim Auctions - Atlanta, GA, USA Maps Credit Union - Salem, OR, USA Maryland & DC Credit Union Association - Columbia, MD, USA Metro Credit Union - Chelsea, MA, USA Mission Federal Credit Union - San Diego, CA, USA Mississippi Credit Union Association - Jackson, MS, USA Montana Credit Union Network - Helena, MT, USA Mortgage Center, LLC - Southfield, MI, USA Mullingar Credit Union Ltd. - Mullingar, Co. Westmeath, Ireland Mwalimu Co-operative Savings & Credit Society Ltd.- Nairobi, Kenya National Association of State Credit Union Supervisors - Arlington, VA, USA New Jersey Credit Union League - East Windsor, NJ, USA New Zealand Association of Credit Unions - Auckland, New Zealand OAS Staff Federal Credit Union - Washington, DC, USA O’Rourke & Associates - San Francisco, CA, USA Orange County’s Credit Union - Santa Ana, CA, USA Peach State Federal Credit Union - Lawrenceville, GA, USA Premier America Credit Union - Chatsworth, CA, USA Redstone Federal Credit Union - Huntsville, AL, USA Rush Credit Union - Dublin, Ireland SC Telco Federal Credit Union - Greenville, SC, USA Seattle Metropolitan Credit Union - Seattle, WA, USA Service One Credit Union - Bowling Green, KY, USA South Division Credit Union - Evergreen Park, IL, USA SouthPoint Federal Credit Union - Sleepy Eye, MN, USA St. Anthony’s and Claddagh Credit Union Ltd. - Galway, Ireland State Department Federal Credit Union - Alexandria, VA, USA Stima SACCO - Nairobi, Kenya TCC Ltd. - Singapore, Singapore Terrific Solutions Inc. - The Colony, TX, USA The Bahamas Co-operative League Ltd. - Nassau, Bahamas The Tennessee Credit Union - Nashville, TN, USA Triangle Credit Union - Nashua, NH, USA Truliant Federal Credit Union - Winston-Salem, NC, USA TruMark Financial Credit Union - Trevose, PA, USA TruWest Credit Union - Scottsdale, AZ, USA Turner, Warren, Hwang & Conrad AC - Burbank, CA, USA Ukrainian Federal Credit Union - Rochester, NY, USA United Communities Credit Union - Ontario, Canada University of Wisconsin Credit Union - Madison, WI, USA US Federal Credit Union - Burnsville, MN, USA USF Federal Credit Union - Tampa, FL, USA UT Federal Credit Union - Knoxville, TN, USA Vantage Credit Union - Bridgeton, MO, USA Veridian Credit Union - Waterloo, IA, USA Verity Credit Union - Seattle, WA, USA Windsor Family Credit Union - Windsor, ON, Canada

GRANITE INDIVIDUALS

$2,500 - $4,999

Nicole Bice - Madison, WI, USA Jamie Murray-Branch & Brian Branch - Madison, WI, USA

CONTACT US

CRYSTAL INDIVIDUALS

Learn more or give online at www.woccu.org/supporters Calyn Ostrowski, Worldwide Foundation Director Worldwide Foundation for Credit Unions 5710 Mineral Point Road, Madison, WI 53705 USA Phone: +1-608-395-2056 • E-mail: foundation@woccu.org

GRANITE

$2,500 - $4,999

Anonymous BCU - Vernon Hills, IL, USA Boulder Dam Credit Union - Boulder City, NV, USA Credit Union Development Association - Dublin, Ireland Dubco Credit Union - Dublin, Ireland Dundalk Credit Union - Dundalk County, Louth, Ireland ENT Federal Credit Union - Colorado Springs, CO, USA Greater Vancouver Community Credit Union - Burnaby, BC, Canada Heritage Credit Union - Madison, WI, USA Louisiana Credit Union League, Harahan, LA, USA Maritime, Mining & Power Credit Union - Sydney, NSW, Australia Michigan State University Federal Credit Union - East Lansing, MI, USA Motorola Employees Credit Union - Schaumburg, IL, USA Northwest Credit Union Foundation - Federal Way, WA, USA Postal Credit Union - Woodbury, MN, USA Queensland Teachers Mutual Bank - Brisbane, Australia SAFE Credit Union - Sacramento, CA, USA SCE Federal Credit Union - El Monte, CA, USA State Farm Federal Credit Union - Bloomington, IL, USA The Paragon Consulting Group - Olympia, WA, USA Transaction Network Services, Inc. - Reston, VA, USA Travis Credit Union - Vacaville, CA, USA University Federal Credit Union - Austin, TX, USA Victoria Teachers Mutual Bank - Hawthorn East, VIC, Australia Virginia Credit Union League - Lynchburg, VA, USA Visions Federal Credit Union - Endicott, NY, USA WECU - Bellingham, WA, USA Xceed Financial Federal Credit Union - Redondo Beach, CA, USA

SILVER INDIVIDUALS

$5,000 - $9,999

Susan & Joe Finnagan - Burlington, VT, USA

SILVER

$5,000 - $9,999

Aberdeen Proving Ground Federal Credit Union - Aberdeen, MD, USA Affinity Federal Credit Union - Basking Ridge, NJ, USA Alliant Credit Union - Chicago, IL, USA Anonymous Association of Vermont Credit Unions, Colchester, VT, USA bankmecu Ltd. - Kew, VIC, Australia Barbados Public Workers’ Co-operative Credit Union - St. Michael, Barbados Barksdale Federal Credit Union - Bossier City, LA, USA Belize Credit Union League Ltd. - Belize, Belize Caja Zongolica S.C. de R.L. de C.V. - Zongolica, Veracruz, Mexico California Credit Union - Glendale, CA, USA Catalyst Corporate Federal Credit Union - Plano, TX, USA Coast Central Credit Union - Eureka, CA, USA Confederação Interestadual das Cooperativas Ligadas ao Sicredi - Porto Alegre, Brazil Credit Union Australia - Brisbane, QLD, Australia Credit Union Central Alberta Ltd. - Alberta, AB, Canada CU Direct - Ontario, CA, USA Desert Schools Federal Credit Union - Phoenix, AZ, USA Federación de Cajas Populares Alianza - León, Guanajuato, Mexico FirstOntario Credit Union - Hamilton, ON, Canada GECU - El Paso, TX, USA Georgia Credit Union Affiliates - Duluth, GA, USA Georgia’s Own Credit Union - Atlanta, GA, USA Idaho Credit Union League & Affiliates - Boise, ID, USA Innovations Federal Credit Union - Panama City, FL, USA Jamaica Teachers’ Association Cooperative Credit Union - Kingston, Jamaica Jefferson Financial Credit Union - Metairie, LA, USA Lake Trust Credit Union - Brighton, MI, USA League of Southeastern Credit Unions - Tallahassee, FL, USA Local Government Federal Credit Union - Raleigh, NC, USA Matanuska Valley Federal Credit Union - Palmer, AK, USA MECU of Baltimore, Inc. - Baltimore, MD, USA Mennonite Foundation - Worcester, PA, USA Michigan Credit Union League - Plymouth, MI, USA Minnesota Credit Union Network - St. Paul, MN, USA Missouri Credit Union Association - St. Louis, MO, USA Mountain America Federal Credit Union - West Jordan, UT, USA Municipal Credit Union - New York, NY, USA NorthCountry Federal Credit Union - S. Burlington, VA, USA Northwest Federal Credit Union - Herndon, VA, USA Patelco Credit Union - Alexandria, CA, USA Pentagon Federal Credit Union - Alexandria, VA, USA Redwood Credit Union - Santa Rosa, CA, USA RTE Credit Union Ltd. - Dublin, Ireland San Francisco Federal Credit Union - San Francisco, CA, USA Ser Technology Corporation - Dallas, TX, USA SGE Credit Union Ltd. - Sydney, NSW, Australia State Employees Federal Credit Union - Albany, NY, USA Summit Credit Union - Madison, WI, USA The Members Group - Des Moines, IA, USA Universal 1 Credit Union - Dayton, OH, USA Vermont Federal Credit Union - Burlington, VT, USA Westminster Savings Credit Union - New Westminister, BC, Canada Wisconsin Credit Union League - Pewaukee, WI, USA

GOLD INDIVIDUAL

$10,000 - $24,999

Valerie Brown - William Mapother Memorial - Bowling Green, KY, USA

GOLD

$10,000 - $24,999

American Association of Credit Union Leagues - Washington, DC, USA

American Heritage Federal Credit Union - Philadelphia, PA, USA

Arizona State Credit Union - Phoenix, AZ, USA BECU - Seattle, WA, USA California & Nevada Credit Union Leagues - Ontario, CA, USA Central 1 Credit Union - Vancouver, BC, Canada Central City Credit Union - Marshfield, WI, USA CO-OP Financial Services - Rancho Cucamonga, CA, USA Cooperativa de Ahorro y Crédito OSCUS Ltd. - Ambato, Ecuador COOPROGRESO - Quito, Ecuador Credit Union Association of New York - Albany, NY, USA Credit Union Foundation of British Columbia - Vancouver, BC, Canada CU*Answers - Grand Rapids, MI, USA Iowa Credit Union League - Des Moines, IA, USA Melrose Credit Union - Briarwood, NY, USA Mitchell, Stankovic & Associates - Boulder City, NV, USA Mountain West Credit Union Association - Phoenix, AZ, USA National Association of Co-operative Savings & Credit Unions - Sopot, Poland Numerica Credit Union - Spokane Valley, WA, USA Ohio Credit Union League - Columbus, OH, USA Pennsylvania Credit Union Association - Harrisburg, PA, USA Pennsylvania State Employees Credit Union - Harrisburg, PA, USA San Mateo Credit Union - Redwood City, CA, USA SchoolsFirst Federal Credit Union - Santa Ana, CA, USA Servus Credit Union - Edmonton, AB, Canada Suncoast Schools Federal Credit Union - Tampa, FL, USA Teachers Mutual Bank - Silverwater, Australia Texas Credit Union League & Affiliates - Dallas, TX, USA United Nations Federal Credit Union - Long Island City, NY, USA Ventura County Credit Union - Ventura, CA, USA

SAPPHIRE

$25,000 - $49,999

PSCU - St. Petersburg, FL, USA

PLATINUM

$50,000 - $99,999

CUNA Mutual Group - Madison, WI, USA State Employees’ Credit Union - Raleigh, NC, USA Vancity Savings Credit Union - Vancouver, BC, Canada

IDF INVESTORS Community Choice Credit Union - Farmington Hills, MI, USA Heritage Family Federal Credit Union - Rutland, VT, USA Members Credit Union - Stamford, CT, USA Mountain Crest Credit Union - Arlington, WA, USA Peach State Federal Credit Union - Lawrenceville, GA, USA Providence Federal Credit Union - Portland, OR, USA River Town Federal Credit Union - Fort Smith, AR, USA San Francisco Fire Credit Union - San Francisco, CA, USA TruWest Credit Union - Scottsdale, AZ, USA Worcester Credit Union - Worcester, MA, USA

Please join us!

Help World Council empower people to grow through credit unions by becoming a World Council Supporter at one of these levels:

DIAMOND

$100,000+

PLATINUM

$50,000 - $99,999

SAPPHIRE

$25,000 - $49,999

GOLD

$10,000 - $24,999

SILVER

$5,000 - $9,999

GRANITE

$2,500 - $4,999

BRONZE

$1,000 - $2,499

CRYSTAL

$500 - $999

Amounts listed in U.S. dollars. Gifts are fully U.S. tax deductible.

Note: Individuals recognized at the Crystal level and above; organizations at Bronze and above.

List current as of May 17, 2013. Please contact us with any updates or corrections.

15

Ottawa World Credit Union Conference

20 13

Special Programs

As a member benefit, the Global Women’s Leadership Network offers these events.

Saturday, July 13

7:00 am – 4:00 pm

Worldwide Foundation Golf Tournament

(Advance registration required.)

Saturday, July 13 5:30 pm – 7:30 pm

Global Women’s Leadership Networking Reception (By invitation only.)

Loch March Golf Course

OCC/Level 2, Foyer South

Sunday, July 14 8:30 am – 3:30 pm Global Women’s Leadership Forum (Network membership and separate registration required.)

OCC/Level 2, room 215

Monday, July 15 3:30 pm – 4:30 pm International Sister Societies Workshop (Network members only.)

OCC/Level 2, room 211

Tuesday, July 16 3:30 pm – 5:00 pm Networking Workshop (Network members only.)

OCC/Level 2, room 211

Monday-Wednesday 8:00 am – 5:00 pm Global Women’s Networking Lounge (Network members only.)

OCC/Level 2, room 211

The WYCUP Program brings together credit union professionals and volunteers 35 years old and younger to connect with their peers in Ottawa at these events.

Sunday, July 14

8:30 am – 3:30 pm

WYCUP Networking Session

OCC/Level 2, Room 201

Join a tight-knit group of young leaders before the conference starts. The 2012 WYCUP scholarship winners will share leadership insights and keynote speaker Shel Holtz, accredited business communicator and expert in integrating technology into communications strategies, will bring a new perspective on building the credit union brand through social media. (For conference attendees 35 years and younger who RSVP’d by June 14.)

Monday, July 15 12:45 pm - 2:00 pm Lunch with World Council Board of Directors OCC/Level 2, Room 201 For conference attendees 35 years and younger who RSVP’d by June 14.)

Tuesday, July 16

6:30 pm

WYCUP Dinner

Blue Cactus Restaurant

Wednesday, July 17

5:00 pm – 6:45 pm

Awards Ceremony & Closing Session

OCC/Level 3, Canada Hall 1

16

Ottawa World Credit Union Conference

20 13 Conference Agenda & Session Descriptions

17

Trust. Commitment. Success.

WhAt yoU WANt IN A ReLAtIoNshIp CUNA Mutual Group has been committed to helping customers achieve financial success since our founding in 1935 by credit union pioneers.

We support the trust you place in us through: • Insurance and protection for your credit union and members • Lending solutions and marketing programs for bottom-line impact • A new consumer brand — TruStage™ — to help credit union members protect what matters most • Retirement planning services for credit unions and small businesses

CUNA Mutual Group spends more than 100,000 staff hours each year helping credit unions understand how to manage the complex compliance issues they face.

Source: 2012 Internal CUNA Mutual Group statistics

Contact your CUNA Mutual Group sales executive today at 800.356.2644 or visit www.cunamutual.com.

CUNA Mutual Group is the marketing name for CMFG Life Insurance Company and its affiliates and subsidiaries, including CUMIS Insurance Society, Inc. Product availability and features may vary by jurisdiction and are subject to actual policy language. Corporate headquarters are located in Madison, Wis. TruStage is the marketing brand for the insurance products issued by CMFG Life Insurance Company, aka CUNA Mutual Insurance Society, Waverly, Iowa, its affiliates and subsidiaries, including licensed insurance agencies that offer insurance issued by other carriers. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by credit unions.

1810003263-0413 © CUNA Mutual Group, 2013. All Rights Reserved.

Common Purpose. Uncommon Commitment.

Ottawa World Credit Union Conference

20 13

Agenda At A Glance

Saturday, July 13 7:00 am – 4:00 pm 8:00 am – 5:00 pm 9:30 am – 5:00 pm 5:30 pm – 7:00 pm

Worldwide Foundation Golf Tournament† Registration Latin American Congress Global Women’s Leadership Network Reception†

Loch March Golf Course OCC/Level 1 OCC/Level 2, Room 210 OCC/Level 2, Foyer South

Registration Global Women’s Leadership Network Forum† World Council’s Young Credit Union People (WYCUP) Networking Session*** Opening Ceremony and International Flag Parade* Welcome Reception & Exhibitor Showcase

OCC/Level 1 OCC/Level 2, Room 215 OCC/Level 2, Room 201

Registration General Session* Networking Break & Exhibitor Showcase Breakout Sessions [M01] - [M05]** Lunch & Exhibitor Showcase Lunch & Learn Sessions [ML1] - [ML3] Breakout Sessions [M06] - [M10]** Networking Break & Exhibitor Showcase World Council Annual General Meeting* World Council Supporters’ Reception (by invitation only)

OCC/Level 1 OCC/Level 3, Canada Hall 1 OCC/Levels 2 & 3 OCC/Levels 2 & 3 OCC/Levels 2 & 3 OCC/Level 2 OCC/Levels 2 & 3 OCC/Levels 2 & 3 OCC/Level 3, Canada Hall 1 Canada Aviation and Space Museum

Bacon, Eggs & Business Experts (BE2)† Registration General Session* Networking Break & Exhibitor Showcase Breakout Sessions [T01] - [T05]** Lunch & Exhibitor Showcase Lunch & Learn Session [TL1] - [TL3] Breakout Sessions [T06] - [T10]** Networking Break & Exhibitor Showcase Credit Union Visits†

OCC/Level 2, Room 210 OCC/Level 1 OCC/Level 3, Canada Hall 1 OCC/Levels 2 & 3 OCC/Levels 2 & 3 OCC/Levels 2 & 3 OCC/Level 2 OCC/Levels 2 & 3 OCC/Levels 2 & 3 Off-Site

Sunday, July 14 8:00 am – 5:00 pm 8:30 am – 3:30 pm 8:30 am – 3:30 pm

5:00 pm – 6:15 pm 6:15 pm – 8:00 pm

OCC/Level 3, Canada Hall 1 OCC/Levels 2 & 3

Monday, July 15 8:00 am – 5:00 pm 9:00 am – 10:45 am 10:45 am – 11:15 am 11:15 am – 12:45 pm 12:45 pm – 2:00 pm 12:45 pm – 2:00 pm 2:00 pm – 3:30 pm 3:30 pm – 4:30 pm 4:30 pm – 5:30 pm 6:30 pm – 8:30 pm

Tuesday, July 16 7:30 am – 8:45 am 8:00 am – 5:00 pm 9:00 am – 10:45 am 10:45 am – 11:15 am 11:15 am – 12:45 pm 12:45 pm – 2:00 pm 12:45 pm – 2:00 pm 2:00 pm – 3:30 pm 3:30 pm – 4:30 pm 4:30 pm – 7:00 pm

Wednesday, July 17 7:30 am – 8:45 am 8:00 am – 5:00 pm 9:00 am – 10:30 am 10:30 am – 11:00 am 11:00 am – 12:45 pm 5:00 pm – 6:45 pm 6:45 pm – Midnight

Bacon, Eggs & Business Experts (BE2)† Registration Breakout Sessions[W01] - [W05]** Networking Break & Exhibitor Showcase General Session* Awards Ceremony & Closing Session* Closing Celebration

OCC/Level 2, Room 210 OCC/Level 1 OCC/Levels 2 & 3 OCC/Levels 2 & 3 OCC/Level 3, Canada Hall 1 OCC/Level 3, Canada Hall 1 Canadian Museum of Civilization

Schedule subject to change.

OCC = Ottawa Convention Centre †Separate registration and additional fee required. *This session will be presented in English and simultaneously interpreted into Spanish, Portuguese and Russian. ** During each time slot, one breakout session will be simultaneously interpreted into Portuguese and Russian and two breakout sessions will be simultaneously interpreted into Spanish. ***Advance registration required.

19

Bringing technology and more to North American credit unions Doing more for you so you can do more for your members

• Innovative banking technology solutions that help credit unions grow and compete • SaaS delivery for cost-effective access to leading technology • Marketing programs to deepen relationships with your members • Our deep financial services expertise and industry knowledge mean relevant solutions to drive your business forward

Visit us at www.dhltd.com/wcuc

Ottawa World Credit Union Conference

20 13

Full Schedule of Events

Interpretation Key: Select sessions will be simultaneously interpreted into Spanish, Portuguese and Russian. Some sessions will have the symbol next to them. = Spanish, Portuguese and Russian.

Session Key: Tailor your conference experience by taking part in breakout sessions that best suit your needs. Join one of the five educational tracks listed below throughout the conference or mix and match. Tracks are noted with the following symbols:

L Leadership & Strategy T Technology E International Credit Union Experience A Advocacy & Governmental Affairs I Innovative Solutions

Sunday, July 14 Global Women’s Leadership Network Forum

8:30 am – 3:30 pm

OCC/Level 2, Room 215

Sheryl WuDunn, co-author of Half the Sky: Turning Oppression into Opportunity for Women Worldwide, USA

Sponsored by

Sheryl WuDunn, the first Asian-American Pulitzer Prize winner and co-author of the New York Times best-seller that inspired a PBS television series and international women’s rights movement, will present research from her book as well as participate in a panel discussion centered on advancing women in leadership. This exclusive event offers Global Women’s Leadership Network members the opportunity to connect face-to-face with women from credit union movements around the world.

Note: Network membership and separate registration fee required. Visit the registration desk for more information.

World Council’s Young Credit Union People (WYCUP) Networking Session

8:30 am – 3:30 pm

OCC/Level 2, Room 201

Are you a young credit union professional or volunteer? Are you passionate about what you do? Join like-minded young credit union leaders from all over the world for a series of educational and networking events created just for you by fellow WYCUP participants. This no-cost program is open to all conference attendees age 35 and younger who have RSVP’d by June 14. At the end of the program, five WYCUP nominees will receive all-expense-paid scholarships to the 2014 World Credit Union Conference in Australia. Learn more and nominate yourself or a coworker at www.woccu.org/wycup.

Opening Ceremony & International Flag Parade

5:00 pm – 6:15 pm

OCC/Level 3, Canada Hall 1

Scott Kennedy (MC), 2nd Vice Chair Credit Union Central of Canada, Director, World Council of Credit Unions, Canada Daniel Burns, Chairperson, Credit Union Central of Canada and Treasurer, World Council of Credit Unions, Canada Manuel Rabines, Chair, World Council of Credit Unions, Peru Don’t miss one of the most memorable and unique parts of the entire conference — the opening ceremony and international flag parade. Each attendee’s country will be represented as we come together as one global movement. Find your flag in your registration packet and wave it high as your nation is represented among attendees from more than 50 countries. You’ll also hear from World Council’s board of directors and conference co-host, Credit Union Central of Canada. Be sure to wear your traditional national dress and take part in this time-honored conference tradition.

Welcome Reception & Exhibitor Showcase

6:15 pm – 8:00 pm

OCC/Levels 2 & 3

Enjoy the evening reconnecting with old friends and making new ones before diving into Monday’s conference schedule.

INTERPRETATION KEY: Selected sessions will be simultaneously interpreted into Spanish, Portuguese and Russian.

Some sessions will have the symbol next to them. = Spanish, Portuguese and Russian.

21

Monday, July 15

General Session 9:00 am– 10:45 am Louise Petschler (MC), Director, World Council of Credit Unions, Australia David Phillips, President & CEO, Credit Union Central of Canada, Canada Bill Cheney, President & CEO, Credit Union National Association, USA

OCC/Level 3, Canada Hall 1 Sponsored by

Building A Global Community Brian Branch, President & CEO, World Council of Credit Unions, USA In his state-of-the-movement address Brian Branch reviews the continuing resonance of credit union values and mission in the ever-changing global market. We operate locally but our markets have globalized. Our global community grows and deepens as increasing numbers of consumers worldwide turn to the values offered by credit unions. Increased international regulatory pressures prompts advocacy for the credit union community at a global level. New technology offers members greater access and credit unions the means of deepening their relationships with members. Credit unions face an exciting period of opportunities and challenges in an increasingly dynamic global market.

The Future of Money – Where Mobile Technology is Taking Us Ian Shelley, Mobile Technology Expert, Canada No one can deny the impact that mobile technology already has had on both our personal and professional lives. In fact, mobile technology easily is one of the largest drivers blurring the distinction between these two aspects of our lives.

As information-intensive business, financial services have always been at the forefront of technology application. However, mobile technology’s rate of innovation and the range of potential applications have created great uncertainty among financial institutions when it comes to which opportunities to pursue aggressively.

In this environment it is clear that mobile technology will substantially change payments and commerce. How can credit unions successfully navigate decisions on mobile technology and what factors should influence their decision making?

The session will explore the trends in mobile commerce, particularly payments, and offer perspectives on opportunities and risks credit unions face as they formulate their mobile strategy.

22

INTERPRETATION KEY: Selected sessions will be simultaneously interpreted into Spanish, Portuguese and Russian.

Some sessions will have the symbol next to them. = Spanish, Portuguese and Russian.

Networking Break & Exhibitor Showcase

10:45 am – 11:15 am

OCC/Levels 2 & 3

Sponsored by

Breakout Sessions

11:15 am – 12:45 pm

L

[M01] Understanding Anti-Fraud Programs and Controls [M02] A Dialogue with Leaders in Mobile Wallets E [M03] Getting Involved in International Development: A Call to Action A [M04] FATCA: Perspectives for Credit Unions I [M05] Challenging the Barriers to Credit Union Growth

OCC/Level 2, Room 214 OCC/Level 3, Canada Hall 2 OCC/Level 2, Room 206 OCC/Level 2, Room 205 OCC/Level 3, Canada Hall 1

Lunch & Exhibitor Showcase

12:45 pm – 2:00 pm

OCC/Levels 2 & 3

Lunch & Learn Sessions

12:45 pm – 2:00 pm

T

[ML1] Lunch & Learn: Implementing Anti-Money Laundering (AML) Risk Assessments and Meeting Independent Review Requirements – A Practical Approach [ML2] Lunch & Learn: Balancing Leadership Decisions to Benefit Members and the Credit Union [ML3] Lunch & Learn: Reducing Fraud Loss by Optimizing Cross-Border Authorization Strategies

Breakout Sessions

[M06] Emerging Trends in Governance T [M07] Empowering Members Through Mobile Banking E [M08] Facing Regulatory Changes for Africa’s Credit Unions A [M09] Political Economy Meets People Helping People: Regulatory Policy Impact on Your Credit Union and Its Members [M10] The Evolution of Payments

Networking Break & Exhibitor Showcase

OCC/Level 2, Room 206 OCC/Level 2, Room 205

2:00 pm – 3:30 pm

L

I

OCC/Level 2, Room 214

3:30 pm – 4:30 pm

OCC/Level 3, Canada Hall 2 OCC/Level 3, Canada Hall 1 OCC/Level 2, Room 214 OCC/Level 2, Room 206 OCC/Level 2, Room 205

OCC/Levels 2 & 3 Sponsored by

World Council Annual General Meeting

4:30 pm – 5:30 pm

OCC/Level 3, Canada Hall 1

World Council Supporters’ Reception (by invitation only) 6:30 pm – 8:30 pm Canada Aviation and Space Museum The Worldwide Foundation will celebrate the generosity of its Supporters during a private reception at the Canada Aviation and Space Museum. This invite-only event is for current Supporters at the US$1,000 (organization) and US$500 (individual) donation levels. Transportation will be provided to and from select conference hotels. Attend this event by becoming a World Council Supporter today. Ask any World Council staff member or visit the registration desk to join the global movement as a Foundation Supporter!

23

Tuesday, July 16

Bacon, Eggs & Business Experts (BE2)

7:30 am – 8:45 am

OCC/Level 2, Room 210

Rethinking Leadership In The Social Era Charlene Li, Author, Groundswell and Open Leadership, USA Bruce Foulke (Moderator), Director, World Council of Credit Unions, USA New social technologies are popping up every day to allow us to connect and communicate in new ways. At the core, sites like Facebook are transforming the nature of relationships -- and with that, what it means to be a leader. That’s because leadership has long been built on the concept of control -- of people, organizations, and strategies. These new relationships disrupt the idea of control and demand a new practice of openness and transparency.

The question: How do you give up control but still be in command? It requires “Open Leadership”, a new approach that today’s leaders must adopt to be effective. We’ll look at examples of Open Leadership and recommend ways you can prepare today to be a better leader.

Note: Separate registration fee required. Visit the Registration & Information Center for more details.

General Session

9:00 am – 10:45 am

OCC/Level 3, Canada Hall 1

Sylvester Kadzola (MC), Director, World Council of Credit Unions, Malawi World Council of Credit Unions Board of Directors Installation Creating Your Social Business Strategy: It’s All About Relationships Charlene Li, Author, Groundswell and Open Leadership, USA

Sponsored by

Facebook. Blogs. Twitter. Many credit unions and financial institutions have dabbled in these and other social technologies. But almost all of these efforts are one-off technology deployments, instead of being part of a master plan on how to engage members and employees on a strategic level. We’ll look at the journey that organizations take as they evolve their social business and the key success factors of a coherent strategy. Most importantly, you’ll walk away with an understanding of how to align your social efforts with the most important aspect of business today – relationships that are the underpinning of business value.

Networking Break & Exhibitor Showcase

10:45 am – 11:15 am

OCC/Levels 2 & 3 Sponsored by

24

INTERPRETATION KEY: Selected sessions will be simultaneously interpreted into Spanish, Portuguese and Russian.

Some sessions will have the symbol next to them. = Spanish, Portuguese and Russian.

Breakout Sessions

11:15 am – 12:45 pm

L [T01] Canadian Credit Union Young Leaders: Strengthening the Movement T [T02] Advanced Payment Systems for Credit Unions E [T03] Payment Systems for the Underserved: Case Studies from Kenya and Colombia A [T04] Limiting Regulatory Burdens to Promote Financial Inclusion I

[T05] Building the Brand: Reaching Generation Y Through Social Media

Lunch & Exhibitor Showcase 12:45 pm – 2:00 pm Lunch & Learn Sessions

OCC/Levels 2 & 3

12:45 pm – 2:00 pm

[TL1] Lunch & Learn: Capitalizing on Growth – Finding the Right Balance Between Growth, Capital, Operating Efficiency and Competitive Pricing

OCC/Level 2, Room 214

[TL2] Lunch & Learn: Embracing EMV Chip Technology: Is Your Credit Union Ready to Make the Leap?

OCC/Level 2, Room 206

[TL3] Lunch & Learn: Outsourcing Your IT Functions – Is It Right for Your Credit Union?

OCC/Level 2, Room 205

Breakout Sessions

2:00 pm – 3:30 pm

L [T06] Promoting Values-based Banking T [T07] Driving Credit Union Business through Social Media

E [T08] Keeping Your Credit Union Cyber-secure A [T09] Understanding Regulatory Capital Needs: Basel III and Beyond I

OCC/Level 2, Room 214 OCC/Level 2, Room 206 OCC/Level 3, Canada Hall 2 OCC/Level 3, Canada Hall 1 OCC/Level 2, Room 205

[T10] What Credit Unions Can Learn from Consumer Trends

Networking Break & Exhibitor Showcase

3:30 pm – 4:30 pm

OCC/Level 2, Room 214 OCC/Level 2, Room 206 OCC/Level 2, Room 205 OCC/Level 3, Canada Hall 1 OCC/Level 3, Canada Hall 2

OCC/Levels 2 & 3 Sponsored by

Credit Union Visits

4:30 pm – 7:00 pm

Off-Site

Canada is home to some of the top credit unions and caisses populaires in the world! Sign up for a tour of your choice and learn how credit unions have become a key part of the Canadian economy. Registration is US$20 and is on a first-come, first-served basis. Visit the registration desk for more information.

BUILD SKILLS AND BROADEN PROFESSIONAL EXPERTISE World Council’s International Credit Union Leadership Program offers a unique oppor tunity for emerging credit union leaders to intern at a Brazilian credit union, Jan.12–15, 2014. During this two-week internship, learn firsthand how to better ser ve an increasingly diverse membership, enhance your cultural diversity and practice your foreign language skills. The internship includes lodging with a host family, meals and communication stipends, local transpor tation and traveler’s insurance.

FOR MORE INFORMATION: www.woccu.org/events/leadershipprogram

25

Wednesday, July 17

Bacon, Eggs & Business Experts (BE2)

7:30 am – 8:45 am

OCC/Level 2, Room 210

A Prelude to “Why” Simon Sinek, Author, Start with Why: How Great Leaders Inspire Everyone to Act, USA Keith Nixon (Moderator), CEO, SaskCentral, Canada Great leaders understand what many heads of organizations don’t – how to reach the heart of their constituency and inspire action. But knowing where to go is not the same as understanding what it takes to get there. This session sheds a brighter light on the principals behind author Simon Sinek’s book Start with Why: How Great Leaders Inspire Everyone to Act. The session’s Q&A format will enable participants to have their personal questions on cultivating leadership answered by one of the top experts in the field.

Breakout Sessions

9:00 am – 10:30 am

L [W01] Leadership Challenges and Solutions Among Emerging Credit Union Systems T [W02] Marketing Through Social Media E [W03] Applying Strategic Financial Planning for Credit Union Success A [W04] Grassroots Advocacy: How to Win Friends and Influence Regulators I [W05] Helping Members Master Wealth Management

Networking Break & Exhibitor Showcase

10:30 am – 11:00 am

OCC/Level 2, Room 214 OCC/Level 3, Canada Hall 2 OCC/Level 3, Canada Hall 1 OCC/Level 2, Room 206 OCC/Level 2, Room 205

OCC/Levels 2 & 3 Sponsored by

General Session

11:00 am – 12:45 pm

Patrick Jury (MC), Director, World Council of Credit Unions, USA Presentation From our Premier Sponsor Margaret Shine, Group Head for Advisors’ Global Segment Solutions, MasterCard Advisors, USA Start With Why: How Great Leaders Inspire Everyone to Take Action Simon Sinek, Author, USA

OCC/Level 3, Canada Hall 1

Sponsored by

Why are some organizations more innovative, more influential and more profitable than others? Why do some command greater loyalty from customers and employees alike? Even among the successful ones, why are so few organizations able to repeat their success over and over?

Any organization can explain what it does; some can even explain how they do it; but very few can clearly articulate WHY they do it.

Starting with WHY works with big and small businesses alike, in the non-profit world as well as in politics. Those who start with WHY and have a clear vision as to why they are doing what they do, inspire others. The people who follow them don’t do so because they have to, they do so because they want to.

Drawing on a wide range of real-life stories, author Simon Sinek weaves together a clear vision of what it truly takes to articulate your WHY and how to use that as a starting point to inspire others and achieve success.

26

INTERPRETATION KEY: Selected sessions will be simultaneously interpreted into Spanish, Portuguese and Russian.

Some sessions will have the symbol next to them. = Spanish, Portuguese and Russian.

Awards Ceremony & Closing Session

5:00 pm – 6:45 pm

OCC/Level 3, Canada Hall 1

Yvonne Ridguard Harris (MC), Director, World Council of Credit Unions, Caribbean Ron Hance, Director, World Council of Credit Unions, USA Daniel Burns, Chair, Credit Union Central of Canada, Treasurer, World Council of Credit Unions, Canada Credit Union Central of Canada Awards Presentation: National Credit Union Community Economic Development Award National Credit Union Innovation Award National Credit Union Young Leaders Award National Credit Union Hall of Fame World Council of Credit Unions Awards Presentation: Distinguished Service Awards World Council’s Young Credit Union People (WYCUP) Awards

Closing Celebration

6:45 pm – Midnight

Canadian Museum of Civilization

Congratulations

Distinguished Service Award Winners World Council is proud to present the Distinguished Service Award to these winners. On behalf of credit unions and their members around the world, thank you for your exemplary service.

Pete Crear

Pat Fay

Melvin Edwards

27

Ottawa World Credit Union Conference

20 13

Breakout Session Descriptions

Monday, July 15 L

• Understand marketplace changes and the challenges for credit unions wanting to master them.

• Create a strategic approach to help your credit union compete in mobile payments.

[M01] Understanding Anti-Fraud Programs and Controls Grzegorz Buczkowski, President, TUW SKOK, Poland Cathy Smoyer, SVP/Chief Risk Officer, Mountain America Credit Union, USA

E

Victor Miguel Corro, Vice President, World Council of Credit Unions, USA

Graham Wetter (Moderator), President & CEO, Credit Union Central Alberta, Ltd., Canada

Paweł Grzesik, Head of the Warsaw Office, National Association of Cooperative Savings and Credit Unions, Poland

In addition to supplying excellent service, credit unions have a primary responsibility for maintaining fiscal safety and their members’ financial well-being in the face of fraud. Both staff and volunteers are accountable for taking preventive action to detect and prevent fraud. This session provides participants with strategies, techniques and tools to better understand current threats and to be proactive in protecting credit union member assets.

John Julian, Director, International Communications & Policy, Canadian Co-operative Association, Canada Sylvester Kadzola, Director, World Council of Credit Unions, Malawi Michael Koisen, Chairman of the Board & President, Papua New Guinea Federation of Savings and Loan Societies Ltd., Papua New Guinea Peter Mason, Chief Executive Officer, Credit Union Foundation Australia, Australia

Learner Outcomes • Understand credit union responsibilities in terms of fiscal management and fraud prevention.

• Learn to detect signs of financial statement fraud, recognize other areas of heightened financial risk and gain access to the tools necessary to take action.

• Define strategies for developing effective training to improve credit union security measures.

Steven Stapp (Moderator), President & CEO, San Francisco Federal Credit Union, USA Global credit union development takes place at a grassroots level most people rarely see. Meaningful involvement by credit union staff and volunteers in countries that help put credit union principles into action may be the best way to support global growth and renew the cooperative spirit. This session will help participants examine the ways in which credit unions have helped their members, define what type of involvement is and isn’t helpful and explain why credit union principles continue to be a vital component of international development.

[M02] A Dialogue with Leaders in Mobile Wallets T Avinash Chidambaram, Director, Mobile Programs, Interac Association and Acxsys Corporation, Canada

Jason Davies, Vice President eCommerce, MasterCard Canada, Canada Jacqueline Chilton(Moderator), Partner, Glenbrook Partners, USA Mobile and digital wallets are currently at the heart of transactional innovation. They respond to consumers’ demand for immediate convenience for person-to-person and person-to-business transfers. These wallets lie at the intersection of payments, commerce and financial services.

How do they work? Who are the lead players? What does the future look like for these industry leaders? How will that future be influenced by the response and actions of merchants? Decide for yourself whether these are strategic partners or competition or both. What strategies can credit unions pursue to take advantage of opportunities, and how can they recognize developments that challenge their current business models? The answer involves integration, innovation and strategic approaches still very new to credit unions, and those who get on board early have the best chance to serve an evolving membership base from the head of the pack.

Learner Outcomes • Learn about new mobile and digital wallets and discover how they can be integrated to traditional credit union services.

28

[M03] Getting Involved in International Development: A Call to Action

Learner Outcomes • Understand how credit unions have been developed in Malawi, Poland and Papua New Guinea to serve people who have never had access to financial services.

• Learn how to get involved in international credit union development and determine what types of involvement are useful.

• Gain the closest thing to first-hand knowledge of what it is like to work in a credit union development project and come away with an understanding of how to contribute to the credit union movement on a global scale.

A

[M04] FATCA: Perspectives for Credit Unions James Jatras, Managing Director, Global Strategic Communications Group, USA Gary Rogers, Vice President, Financial Policy, Credit Union Central of Canada, Canada Michael Edwards (Moderator), Chief Counsel and Vice President, World Council of Credit Unions, USA The U.S. Foreign Account Tax Compliance Act (FATCA), administered by the U.S. Internal Revenue Service (IRS) is designed to find U.S. taxpayers hiding assets outside the U.S. It has not yet achieved widespread global support though some provisions of the IRS issued

FATCA regulation for financial institutions throughout the world have taken effect this year. FATCA will also apply to U.S. credit unions under the IRS regulation’s “withholding agent” provisions.

Through intergovernmental agreements with the U.S. Treasury, some countries are creating their own local FATCA rules.

Learner Outcomes • Understand why the U.S. Congress passed FATCA, as well as key details about the IRS’s FATCA regulation and FATCA intergovernmental agreements.

• Learn how most non-U.S. credit unions can qualify for exempt or partially exempt FATCA status.

• Receive an update on the progress of FATCA’s intergovernmental agreements and whether FATCA can be defeated by its opponents.

[M05] Challenging the Barriers to Credit Union Growth I

Frank Corcoran, Chief Executive, No1 CopperPot Credit Union, Great Britain Michael Leonard, President & Chief Executive Officer, Atlantic Central and League Savings and Mortgage, Canada

According to the United Nations, the global annual value of money laundering is estimated at between US$800 billion and US$2 trillion, leaving financial institutions, including credit unions, at significant risk. Canadian regulation requires risk assessments and independent reviews as part of credit union anti-money laundering (AML) programs, but complying with these requirements can be challenging. This session will offer practical solutions for credit unions faced with implementation of AML risk assessments and compliance with independent review requirements.

Learner Outcomes • Understand the challenges of implementing an risk-based approach to AML. • Learn how to meet the requirements of independent AML reviews.

• Develop your own strategy for managing the threat money laundering poses to your credit union.

Presented by

[ML2] Lunch & Learn: Balancing Leadership Decisions to Benefit Members and the Credit Union Eric Dillon, CEO, Conexus Credit Union, Canada

Edson Nassar, Retail Banking Executive Director, Banco Cooperativo Sicredi S.A., Brazil

Annette Kuckartz, National Credit Union Leader, MNP, LLP, Canada

Eliane O’Shaughnessy, Strategic Advisor Executive Services to the CEO, Desjardins Group, Canada

Launi Skinner, CEO, First West Credit Union, Canada

Shelley Legin, Credit Union Consulting LEAD, MNP, LLP, Canada

Loraine McIntosh (Moderator), Partner, Credit Union Sector Leader, Deloitte LLP, Canada

Peter Guo (Moderator), Enterprise Risk Services Leader, MNP, LLP, Canada

No business, including credit unions, can succeed without a growth plan in place. Credit unions that fail to grow in their ability to serve members will no longer be able to successfully compete, and those that can’t compete will not be in business for very long.

Understanding how credit unions can maximize growth potential, overcome the obstacles to service, leverage their inherent advantages and develop strategies for success can help participants in this session better manage the growth and development of their own credit unions. That will be the best way to continue successfully serving members.

Leading a credit union demands the ability to handle the toughest challenges, both from management and governance perspectives.

Management decisions are frequently scrutinized to determine whether they will operate in the best interest of credit union members, and these decisions must be supported by credit union directors, who are themselves members. Conversely, providing ‘more’ to members may appear to compete with a mandate to increase operational efficiencies or being more profitable. In the face of this dichotomy, the right decision is often not evident or easy to make. This session will explore the two sides of some of the toughest decisions credit unions face with two of the Canadian credit union movement’s most innovative and influential CEOs.

Learner Outcomes

Learner Outcomes

• Learn new ways to maximize credit union growth and development.

• Define strategies for your credit union based on the stages experienced by other institutions to overcome potential obstacles to growth.

• Understand the best strategies and tools at your disposal to help your credit union succeed.

• Understand the decision-making process used in some of Canada’s leading credit unions.

• Learn to adjust credit union priorities to benefit both the member and the institution.

• Create your own decision matrix to help you make tough decisions on your credit union’s behalf.

Presented by

Presented by

[ML1] Lunch & Learn: Implementing Anti-Money Laundering (AML) Risk Assessments and Meeting Independent Review Requirements – A Practical Approach

[ML3] Lunch & Learn: Reducing Fraud Loss by Optimizing Cross-Border Authorization Strategies

Richard Mercier, Partner, Risk Advisory Services, BDO Canada LLP, Canada Pierre Taillefer, Partner, Risk Advisory Services, BDO Canada LLP, Canada Garth Manness (Moderator), CEO, Credit Union Central of Manitoba, Canada

Iain G. Young, Senior Managing Consultant, MasterCard Advisors, USA Glyne Pilgrim (Moderator), General Manager, Barbados Co-operative & Credit Union League Ltd., Barbados According to recent statistics from MasterCard International, crossborder spending is outpacing cross-border travel by almost two to one. That leaves the door open for higher levels of fraud and puts

29

credit unions at greater risk. In fact, cross-border spending may be the riskiest segment of an institution’s financial portfolio. Experts at MasterCard have established new strategies to help mitigate that risk, keeping credit union portfolios safe while enabling them to continue serving members who use this service.

provides can set your credit union on a new, more innovative road to service delivery success.

Learner Outcomes • Learn about innovative mobile technology solutions that can make your credit union more competitive in a rapidly changing market.

• Understand how members impact mobile technology development and its deployment process.

• Apply or adapt new strategies to your credit union to create your own innovative success stories.

Learner Outcomes • Understand the nature and level of portfolio threats posed by cross-border fraud activities.

• Measure your own credit union’s exposure to risk through MasterCard’s evaluation techniques.

• Create an effective plan to keep your credit union safe from cross-border fraud and other similar threats.

E

Ingrid Fischer, Africa Region Director, Canadian Co-operative Association, Uganda Marwa Nyahende Kesanta, Senior Cooperative Officer Ministry of Agriculture Food Security and Cooperatives, Tanzani

[M06] Emerging Trends in Governance L Alan Beanland, Chairman, Credit Union Australia Ltd., Australia

Dave Richardson, Senior Manager of Technical Development, World Council of Credit Unions, USA

Harry Joosten, Corporate Secretary, Libro Financial Group, Canada Patsy Van Ouwerkerk, President & CEO, Travis Credit Union, USA

Audax Rutabanzibwa, Acting Director and Registrar of Cooperatives, Ministry of Agriculture Food Security and Cooperatives, Tanzania

David Phillips (Moderator), President & CEO, Credit Union Central of Canada, Canada

George Ototo (Moderator), Managing Director, KUSCCO Ltd., Kenya

In the changing financial services environment, credit union directors are facing greater regulatory pressure that, in turn, has increased their fiduciary responsibilities. Directors now face new requirements and responsibilities, including an appropriate educational background and financial skills to operate more successfully on the credit union’s behalf. This session highlights emerging patterns in various credit union movements around the world and offers insight into the types of reporting indicators that credit unions must provide directors so they can meet these new requirements.

Africa’s credit unions, also known as savings and credit cooperative societies, or SACCOs, have captured the attention of national government leaders who see the value of cooperative financial institutions, and consequently have passed new laws that regulate their savings and loan activities. The great challenge for some SACCOs is now how to comply with those new regulations. A strong regulatory environment, while critical for creating and sustaining an effective SACCO movement, requires much more from its institutions in order to maintain safe and sound operations.

Understanding the difference between the former and current environments and the costs and challenges associated with meeting more rigorous compliance standards will provide valuable lessons for credit unions everywhere as financial products and services become more sophisticated and require greater regulatory oversight.

Learner Outcomes • Understand the new requirements resulting from legislative changes and directors’ heightened fiscal responsibility in various credit union movements.

• Explore how these changes will impact future credit union governance and operations.

• Create a strategy for your credit union to help directors understand and comply with new requirements.

T

[M08] Facing Regulatory Changes for Africa’s Credit Unions

Learner Outcomes • Learn about new legislative environments and proposed prudential standards for SACCOs in Kenya, Tanzania and other countries designed to improve their services and spread their influence.

• Understand the significant changes required of the SACCOs and the necessary steps to meet the requirements of a more stringent environment.

• Look for similarities and differences between African SACCOs and your credit union with an eye toward preparing for new legislative initiatives that will require a change in your strategies for future growth and increased market share.

[M07] Empowering Members through Mobile Banking Matt Cotter, SVP, D+H Mortgagebot, USA Bill Maurin, Acting CEO & CFO, Meridian Credit Union, Canada Paul Trylko, President & CEO, Amplify Credit Union, USA Eleonora Zgonjanin Petrovic (Moderator), CEO, FULM Savings House, Macedonia In response to consumer demands for multiple access channels, mobile transactions have skyrocketed, recently becoming a critical part of the service delivery equation. In fact, more credit unions are realizing that mobile technology is a key to membership growth. Mobile transfers, payments and remote check deposit are among the latest strategies to provide members with services when and where they want them. Understanding the opportunities this new technology

30

A

[M09] Political Economy Meets People Helping People: Regulatory Policy Impact on Your Credit Union and Its Members Neville Parsons, CEO, Holiday Coast Credit Union Ltd., Australia Tracy Redies, President & CEO, Coast Capital Savings Credit Union, Canada Eric Richard, Executive Vice President and General Counsel, Credit Union National Association, USA Sarah Snell Cooke (Moderator), Editor-in-Chief, Credit Union Times, USA

Each credit union system’s political economy – the relationship between politics and economics – has its own unique blend of common bond, taxation, capital adequacy, safety and soundness, and other rules that shape how credit unions are enabled or impeded from providing their members with access to low-cost financial services.

Brian Bevilacqua, Communications Manager, First West Credit Union, Canada Benjamin Janzen, Stewardship in Action Advisor, Mennonite Savings and Credit Union, Canada Cheryl McCormack, Branch Manager, Bayview Credit Union, Canada

Government support for credit unions, or the lack thereof, as well as lobbying by banks and other competitors play a unique and potentially enabling or devastating role in terms of credit unions’ ability to serve their members. Politics, regulatory policy and credit union operations all play a role in determining whether your credit union is able to prosper and serve its members.

Devin Selte, Corporate Trainer, Leadership Development and Change Leadership, Servus Credit Union, Canada David MacLean (Moderator), Director, Credit Union Central of Canada, Canada Credit union leaders worldwide are facing challenges and opportunities every day. Leadership to overcome challenges and seize opportunities requires vision, which engages the spirit; learning, which stimulates the mind; and, action, which compels energy. Join this session to learn how five young Canadian credit union leaders have strengthened their credit unions and the overall movement through community engagement, credit union collaboration, and developing an effective organizational culture.

Credit union systems that do not advocate successfully for an appropriate regulatory environment will find themselves facing regulatory hurdles.

Learner Outcomes • Learn how veteran credit union advocates have convinced policymakers to help improve their systems’ regulatory environments.

• Understand how competitors can influence the political process to fit credit unions to a uniform and restrictive regulatory profile, and how to survive such attacks.

• Acquire the knowledge needed to help your credit union persevere against laws either too restrictive or so loose that they allow unsafe and unsound operations.

I

[M10] The Evolution of Payments Jacqueline Chilton, Partner, Glenbrook Partners, USA Brian McCrory (Moderator), Director, World Council of Credit Unions, Ireland Innovation in payments is proceeding rapidly, including new strategies from third-party payment services operating outside traditional financial institutions. Many transactions now take place online with merchants. Credit unions formerly funded such transactions, but now consumers have many options, and they are sensitive to how many steps are required to make payments. Will these payment innovations partners provide strategic leverage to credit unions or are they merely new competition? One thing is certain: the variety of technology and business enablers making this possible are dramatically changing the costs and risks of new product and service development. This session sheds new light on payment systems changes and what credit unions can do to maximize the opportunities while minimizing competitive risk.

Learner Outcomes • Review the various payment strategies at work in the global financial sector.

• Understand the objectives behind payment technology and the strategies by which they are deployed.

• Assess your credit unions’ payment delivery needs with innovative new strategies and determine the necessary steps to become part of this new, exciting solution.

Tuesday, July 16 L

[T01] Canadian Credit Union Young Leaders: Strengthening the Movement Kris Babbings, Business Relationship Manager, Advantage Credit Union, Canada

Learner Outcomes • Understand current challenges and opportunities for Canadian credit unions and young leaders.

• Learn how Canadian credit unions are building their relevance and strength both internally and through collaboration.

• Gain insight into how young Canadian leaders’ experiences might be applied to your own credit union or community.

T

[T02] Advanced Payment Systems for Credit Unions Patrice Dagenais, Vice President, Payment Services and Business Partnerships, Desjardins Card Services, Canada Kim Hester, EVP, Customer Care and Financial Solutions, CO-OP Financial Services, USA Philip Howard, Senior Vice President, Equens SE, Germany Oscar van der Meer, VP, Technology & Payment Services, Central 1 Credit Union, Canada Mark Sievewright (Moderator), President, Credit Union Solutions, Fiserv, Inc., USA Consider the pace of change in payment systems and their linkage with financial services and commerce. Few aspects of financial services are evolving as quickly, and fewer still are as important to the development of effective member service. Credit unions see new competition entering financial services through commerce and payment systems, while consumers demand more ease in accessing all of them instantly. How should credit unions position themselves in this evolving business environment to compete effectively and to offer services both convenient for members and profitable for credit unions? This session examines business cases currently at work in the new payments environment.

Learner Outcomes • Understand how the payment system is changing and what it means to current and future credit union service approaches.

• Gain valuable insights into credit union challenges and advantages when it comes to utilizing the new systems for greater member service.

• Uncover strategies and methodologies for integrating with system-wide payment platforms to remain competitive.

31

[T03] Payment Systems for the Underserved: E Case Studies from Kenya and Colombia

• Gain insight into ways your credit union can better serve marginalized members within the parameters of the emerging environment.

Juliana Alvarez Gallego, Director, Banca de las Oportunidades, Colombia Tony Mbugua, Group General Manager, Fintech Group, Kenya Mark Cifuentes (Moderator), Senior Vice President – Technical Services, World Council of Credit Unions, USA Technology has helped credit unions everywhere develop more sophisticated payment systems, and nowhere has the need been greater and the changes more evident than in developing countries. Knowing how credit unions can adapt new technology to their own needs to make it convenient for members as well as profitable for the institutions is crucial to achieving success. Understanding the business rationale for the new services and how credit unions should be positioning themselves in this space are lessons from which credit unions everywhere can learn. This session focuses on systems currently at work in Kenya and Colombia and explores possibilities for future growth and development.

Learner Outcomes • Understand how new payment systems can be successfully implemented among credit unions of all sizes.

•G ain insight into strategies and positioning decisions that determine success for credit union systems in a variety of countries.

•D evelop a new understanding of the nature, flexibility and impact of new payment technologies among credit unions worldwide.

A

[T04] Limiting Regulatory Burdens to Promote Financial Inclusion Hervé Guider, General Manager, European Association of Co-operative Banks, Belgium

I

[T05] Building the Brand: Reaching Generation Y Through Social Media Daniel Ferretti, Chief Marketing Officer and Channels Head, Sicredi, Brazil Heather Harmse, Manager of Digital Marketing, Vancity Credit Union, Canada David Southall, President & CEO, Innovations Federal Credit Union, USA Shel Holtz (Moderator), Principal, Holtz Communication and Technology, USA Credit unions offer an inherent benefit based on member ownership and cooperative values, but few institutions understand how to communicate the credit union difference in a meaningful and effective way to Generation Y consumers. As children of the digital age, Gen Y has a preference for technology, as well as a strong social consciousness and sense of community – a perfectly matched mindset with credit union mission and values.

Credit unions that do connect can expect fierce loyalty and maximum involvement from this new and exciting generation of members.

Learner Outcomes • Gain greater understanding of the Gen Y profile and how credit union values match those of this important market segment.

• Develop strategies, including those focused around social media, to effectively reach Gen Y. • Hear real-life success stories from Brazil, Canada and the United States.

Wiliam Myers, Director, NCUA Office of Small Credit Unions, USA Josée Nadeau, Senior Chief, Financial Crimes – International Department, Finance Canada, Canada John Magill (Moderator), Executive Vice President, Credit Union National Association, USA

[TL1] Lunch & Learn: Capitalizing on Growth – Finding the Right Balance Between Growth, Capital, Operating Efficiency and Competitive Pricing

Financial inclusion remains an economic building block for developed and developing societies. Definitive steps are being taken through the Global Partnership for Financial Inclusion (GPFI) and its member organizations, however, more work needs to be done to ensure that everyone has access to basic financial services.

José Gallant, Senior Vice President & Chief Financial Officer, Alterna Savings, Canada

Some of those steps involve limiting regulatory burdens and broadening identification strategies for consumers heretofore unable to receive services. Credit unions sit at the cusp of a new era, with increasing opportunities to serve more members effectively, while expanding their member bases to include new, previously underserved groups.

Regulatory environments must be developed to foster future growth in these areas.

Jacinto Martinez (Moderator), Chairman of the Board, Trinidad and Tobago Credit Union Deposit Insurance Fund, Trinidad and Tobago

Learner Outcomes

32

Presented by

• Learn about efforts at a global level to improve financial access for people worldwide.

• Understand regulatory changes developed through the efforts of the Financial Action Task Force and other groups to help financial institutions reach this goal.

Ian Glassford, CFO, Servus Credit Union, Canada Loraine McIntosh, Partner, Credit Union Sector Leader, Deloitte LLP, Canada

A credit union thrives because of its members, and its capacity to attract, retain and deepen relationships with those members is fundamental to its viability and longterm growth. However, funding long-term growth can be difficult in today’s environment. Current low interest rates, coupled with aggressive competition from both traditional and non-traditional providers, is putting significant pressure on financial margins, driving credit unions to seek alternative income sources while at the same time improving overall operating efficiency. Increasing regulatory capital requirements are making this challenge that much more important. But is all new business good, and how well

can your current capital base support new growth? These and other questions need to be answered, and trade-offs assessed before a credit union can execute its growth plan.

This session tackles the issues that are key challenges to credit unions’ future.

Learner Outcomes

• Gain an understanding of what business operations are prime for outsourcing.

• Review key factors to look for when making the decision to outsource.

L

Tamara Vrooman, CEO, Vancity, Canada

• Build a deeper understanding of the interplay between decisions relating to growth, pricing, capital and operations.

• Gain perspective on what other credit unions are doing to find the right balance.

• Develop a list of questions to ask your management team and board in developing your strategy for the future.

Damien Walsh, Managing Director, bankmecu, Australia Lucy Ito (Moderator), Executive Vice President & Chief Operating Officer, California & Nevada Credit Union Leagues, USA In the wake of the global financial crisis and revelations of financial consumer abuse, consumers expect financial institutions to offer a new form of financial leadership that embraces both social and economic responsibility. A select group of institutions have taken a values-based approach to financial services that stresses commitment to people, the planet and prosperity for all. Institutions that comply with sustainable banking principles, such as community commitment, long-term member relationships, transparent governance and self-sustaining resiliency, have a better chance to both change the lives of their members and have a meaningful impact on society’s future. Meet representatives of values-based institutions and learn first-hand how the approach has increased their success.

Presented by

[TL2] Lunch & Learn: Embracing EMV Chip Technology: Is Your Credit Union Ready to Make the Leap?

Mike Kelly, President & CEO, PSCU Financial Services, USA Anne Cochran (Moderator), 2nd Vice Chair, World Council of Credit Unions, USA Plastic card technology continues to evolve and one of the latest steps involves EMV technology. EMV, which stands for Europay, Mastercard Visa, is a European security standard for contact and contactless payment methodologies that may become the new gold standard in card processing and security. But is it time for credit unions everywhere to make the switch to the EMV protocol? What is required now and how will it change card processing in the near future? Those questions and others promise a lively, informative session.

Learner Outcomes • Understand the concepts behind values-based financial services and how they apply to credit unions.

• Measure and compare the values-based capacity of your credit union.

• Examine credit unions’ evolving role as values-based financial institutions.

Learner Outcomes • Learn the background and application of EMV card technology and note the similarities and differences to other card chip technology.

• Understand reasons to make the switch and steps credit unions must take to offer members EMV chip cards.

• Map out a strategy for adapting EMV technology to your credit union.

Presented by

[TL3] Lunch & Learn: Outsourcing Your IT Functions– Is It Right for Your Credit Union?

Kim Robinson, Vice President Outsource Services, Celero, Canada Murray Williams (Moderator), Chief Operating Officer, Iowa Credit Union League, USA Recent research suggests that two-thirds of companies outsource at least a portion of their information technology infrastructure. To save costs and increase efficiencies, IT activities such as email, Web hosting, network and service desk management are maintained by a third-party provider, minimizing internal headaches and maximizing an organization’s ability to focus on its core business. While this is a growing trend, there’s nothing cut-and-dried about IT infrastructure outsourcing. Join representatives from Celero for a look at the pros and cons of outsourcing and learn some of the key factors to review in making this critical decision.

Learner Outcomes • Understand the key benefits of outsourcing, the various models available and what to look for in sourcing a vendor.

[T06] Promoting Values-based Banking

T

[T07] Driving Credit Union Business through Social Media Bridget Deutz, Social Media Marketing Coordinator, St. Cloud Federal Credit Union, USA Renee Pomerleau, Marketing Officer, United Communities Credit Union, Canada Tansley Stearns, Director of Impact, Filene Research Institute, USA JoAnne Ferguson (Moderator), Senior Director, International Development, Canadian Co-operative Association, Canada Social media – Facebook, Twitter, Pinterest or others – is about image-building and interaction with consumers. But the interaction has evolved from customer service, promotion and brand protection into emerging forms of e-commerce for a growing number of credit unions. If social media is the upand-coming consumer’s communications lifeline then credit unions that employ the social media’s capabilities will be first to market. Those able to master the media’s commercial capabilities become their members’ primary financial institution with the press of a touchscreen. This session sheds new light on the future of that process.

Learner Outcomes • Be reintroduced to social media as a commercially viable avenue and see how its capabilities apply to credit unions.

• Examine case studies of credit unions capitalizing on social media’s bottom-line capabilities.

• Develop and understand new strategies for using social media to serve existing and new members with an increasing 33 number of services.

E

[T08] Keeping Your Credit Union Cyber-secure Brent Huston, Security Evangelist & CEO, Microsolved, USA

[T10] What Credit Unions Can Learn from I Consumer Trends

Susan Thompson (Moderator), Chief Operating Officer, Jamaica Co-operative Credit Union League Ltd., Jamaica

Dominic Dunn, Head of Business Services, Abacus Australian Mutuals Ltd., Australia

Credit unions today are challenged at many levels and from numerous directions, not the least of which is cyberspace.

Hackers have become professional cyber-criminals, but there are strategies to keep your credit union well protected and operating safely in your members’ best interests.

Mandy Johnston, Head of Communications, Irish League of Credit Unions, Ireland John Davin (Moderator), CEO, RTE Credit Union, Ireland Consumer trends guide financial institution decisions, and there has been a seismic change since the financial recession began in 2008. Consumers reduced spending and increased savings, thus changing their borrowing patterns and reducing their debt. The evolution of these trends is impacting credit union operations.

What do those trends imply for credit unions’ bottom lines?

What do they say about the services credit unions can provide members to help restore personal financial security?

Knowledge is key, and so is a good security strategy to protect your institution from online threats. Knowing what you’re up against and planning accordingly is your best defense in an increasingly challenging environment.

Learner Outcomes • Understand the online threats and challenges that face credit unions and other financial institutions around the world.

• Develop the necessary resources to keep member data and credit union assets from falling into the wrong hands.

• Learn what technology and strategies are available to maintain safe and sound operations.

Credit union systems in Australia, Canada and Ireland have gone to great lengths to measure consumer preferences, needs and desires. Some of the responses to their research are countryspecific, but many are more universal and overlap into each country’s research. Finding the commonalities may help you better understand your own market.

Learner Outcomes

[T09] Understanding Regulatory Capital Needs: A Basel III and Beyond

• Understand the nature of consumers and examine financial service preference trends in various countries.

• Look for commonalities among countries and universal consumer preference that crossover among countries.

• Apply the results of the survey to your credit union and find out where you can adjust your services to meet changing member expectations.

Karl F. Cordewener, Deputy Secretary General, Basel Committee on Banking Supervision, Switzerland Andy Poprawa, President & CEO, Deposit Insurance Corporation of Ontario, Canada Dave Taylor, CEO, State Government Employees Credit Union, Australia Rob Nicholls (Moderator), Director and Chair, Audit and Risk Committee, New Zealand Association of Credit Unions, New Zealand The Basel Committee on Banking Supervision has become the global arbiter of financial issues, and its recommendations have been adapted as laws governing financial systems in a growing number of countries. But the Basel Committee’s recommendations, aimed at the world’s largest banks, are increasingly being applied to credit unions especially regarding regulatory capital.

For credit unions in Basel-influenced systems – including Australia, Brazil, Canada and some Latin American countries – questions remain about what Basel III will mean in practice.

This session sheds more light on what credit unions can expect.

Learner Outcomes

34

• Understand the nature of regulatory capital, the Basel Committee definition for large internationally active commercial banks, and what that means for credit union regulatory capital standards.

• Learn about Basel III and efforts to consistently implement the Basel III capital rules within credit unions’ cooperative structure.

• Gain valuable insights into how credit union regulators are implementing Basel III, the impact revised capital rules can have on your credit union, and the efforts being made to obtain expanded legal authority for credit union regulatory capital.

Wednesday, July 17 L

[W01] Leadership Challenges and Solutions Among Emerging Credit Union Systems Kusi Boachie Yiadom, CEO, Gesro Co-operative Credit Union, Ghana Micah Taze Davis, General Manager Bermuda Industrial Union Credit Union Co-op Society, Bermuda Shoba Gunasekaran, General Manager, TCC Credit Co-operative Ltd., Singapore Joshua Ojall, CEO, Mwalimu National Sacco Society Ltd., Kenya Mark Lyonette (Moderator), Chief Executive, Association of British Credit Unions Ltd., Great Britain Credit union systems in emerging countries all offer financial empowerment to members, but many face unique challenges that call for distinct strategies. Understanding how different credit union leaders and systems have met their challenges can provide a new blueprint for countries seeking solutions in the face of their own development issues. In this openforum session experts from the Caribbean, Ghana, Kenya, and Singapore share successful strategies that helped them meet member needs, and how those strategies can applied to challenges faced by credit union systems of all sizes and sophistications.

Learner Outcomes • Understand the challenges facing emerging credit union systems.

• Learn about solutions and strategies that have helped systems succeed against sometimes daunting odds.

• Gather new ideas during open discussion for use with your own credit union and credit union system.

T

A

[W04] ] Grassroots Advocacy: How to Win Friends and Influence Regulators Ryan Donovan, SVP Legislative Affairs, Credit Union National Association, USA

[W02] Marketing Through Social Media

Melvin Edwards, Principal, Development Co-operators Inc., St. Lucia

Thea Albright, Marketing Manager, SELCO Community Credit Union, USA

Brigitte Goulard, Vice President, Policy and Government Relations, Credit Union Central of Canada, Canada

Kelli Hawkins, Communications Manager, Numerica Credit Union, USA

Henry Lynch (Moderator), President & CEO, New Zealand Association of Credit Unions, New Zealand

Gail Stepanik-Keber, Chief Brand & Corporate Social Responsibility Officer, Servus Credit Union, Canada

The power of an open and honest dialogue with government policymakers is taken for granted by credit unions in some countries, but remains only a dream for others. Clearly, lawmakers and regulators who operate in concert with credit union goals and objectives can contribute significantly to a movement’s success.

Advocacy efforts at the “grassroots” of the credit union movement – initiatives that include directors, executives, volunteers, and members – often make the difference between success and failure.

Paul Gentile (Moderator), EVP Strategic Communications & Engagement, Credit Union National Association, USA Credit union marketing’s effectiveness is measured by the number of current and potential members the marketing message touches and whether the desired results are achieved. Today, no methodology is as effective as social media in all its variations, but knowing how to best use it to reach the various member groups and gain credit union participation is tough. This session focuses on understanding the basics of marketing through social media as well as defining strategies that enable credit unions to extend their reach and market their messages more successfully.

Successful grassroots advocacy efforts have a profound impact on the strength, stability and growth of any credit union system because, in a democracy, your members’ votes help get politicians elected. This session offers lessons in advocacy to benefit seasoned practitioners as well as newcomers.

Learner Outcomes • Grasp the importance of effective grassroots advocacy techniques on behalf of credit unions and their members, such as “Hike the Hill.”

• Gain insights and understanding of grassroots advocacy strategies that can provide you with the maximum impact whether you are speaking to lawmakers or regulatory agency representatives.

• Study successful advocacy efforts of credit union systems in various countries and learn how their techniques can be adapted to your efforts.

Learner Outcomes • Understand the basic purpose and uses of different types of social media.

• Gain insight into effective messaging through social media, as well as what will not work in the new interactive landscape.

• Begin to develop your credit union’s social media strategy with an eye toward greater member participation in your institution and interest in your products and services.

[W03] Applying Strategic Financial Planning for Credit E Union Success Ademar Schardong, CEO, Banco Cooperativo Sicredi S.A., Brazil René Vásquez Pérez, Vice President of Operations, Caja Popular Mexicana, Mexico

I

[W05] Helping Members Master Wealth Management Randy Biberdorf, Vice President, Wealth Management Servus Credit Union, Canada Bob Hague, President, Credit Union Distribution, The CUMIS Group Ltd., Canada Doce Tomic, President and CEO, Credential Financial, Canada

Manfred Dasenbock (Moderator), Director, World Council of Credit Unions, Brazil

Sharon Angus-Crawshaw (Moderator), ABCUL President and Director for Wales, Great Britain

Exceptional business growth does not happen without an exceptional financial strategy, yet defining the components of that strategy and its real-world application too often eludes even the most savvy business planner. This session highlights specifics for achieving outstanding credit union strategic financial success and application, redefining your business strategy, using marketing to its fullest potential, and attracting and keeping the next generation of members.

Credit unions have always been passionate about service, and the latest of those services involves wealth management strategies for members. As credit union members age, they find themselves with assets that need management at levels more profitable than savings accounts or IRAs. For-profit credit union service organizations (CUSOs) and credit unions trained and experienced in providing wealth management services provide a new and much-needed resource for members. At the same time, they increase their service portfolios in positive and profitable ways.

Learner Outcomes

•U nderstand the components that lead to strategic financial success.

• S tudy cause-and-effect relationships between specific strategies and their application.

• L earn to think strategically and turn plans into action steps.

Learner Outcomes • Learn from credit unions that already offer wealth management services.

• Understand the scope and reach of such services and how they fit within the overall credit union service profile.

• Develop strategies for your credit union to begin offering wealth management services.

35

Congratulations!

On behalf of the Canadian credit union system, Credit Union Central of Canada proudly acknowledges the winners of our 2013 National Credit Union Awards.

Credit Union Central of Canada recognizes and rewards credit unions who, by action or representation, exemplify the true nature of the co-operative spirit – through local economic initiatives, innovative solutions that improve the effectiveness of credit unions, and the ambitions and potential of credit union young leaders.

Credit Union Central of Canada

Hall of Fame Award Joseph Dierker Nominated by SaskCentral

Jack Smit Nominated by Central 1 Credit Union and Libro Financial Group, ON

National Credit Union Award for

Community Economic Development Vancity Vancouver, BC Resilient Capital Program National Credit Union

Innovation Award

North Peace Savings & Credit Union Fort St. John, BC Virtual Technology Connects the North National Credit Union

Young Leaders Award Kris Babbings Business Relationship Manager Advantage Credit Union, SK

Benjamin Janzen Stewardship in Action Advisor Mennonite Savings & Credit Union, ON

Brian Bevilacqua Manager, Communications & Public Relations First West Credit Union, BC

Cheryl McCormack Branch Manager Bayview Credit Union, NB

151 Yonge Street, Suite 1000, Toronto, ON M5C 2W7 Tel.: (416) 232-1262 Fax: (416) 232-9196 www.cucentral.ca

Devin Selte Corporate Trainer, Leadership Development & Change Leadership Servus Credit Union, AB

Ottawa World Credit Union Conference

20 13

Speakers

37

Ottawa World Credit Union Conference

20 13

Grzegorz Bierecki, 1st Vice Chair World Council of Credit Unions, Poland Grzegorz Bierecki is 1st vice chair of World Council’s board of directors and represents the Polish credit union movement as a delegate of the National Association of Cooperative Savings and Credit Unions (NACSCU). Bierecki is also chairman of the supervisory board of the Cooperative Savings and Credit Union Mutual Insurance Society (TUW SKOK).

Credit unions, or SKOKs as they are known in Poland, bring financial services to more than 2 million households throughout the country.

Bierecki, a Solidarity activist who was jailed for his political activity under Communist rule, led Poland’s credit union system since its beginnings in the early 1990s. In 2011, he was elected to the senate of the Republic of Poland, where he is vice chair of the public finance committee.

Brian Branch, President & CEO World Council of Credit Unions, USA Brian Branch has served World Council of Credit Unions since 1990 and has been engaged in development fieldwork, research and implementation for more than 30 years.

During Branch’s time with World Council, he has served as an economist, manager of research and development, regional manager for Latin America, director of technical services, vice president of development services, executive vice president/COO and, most recently, president and CEO. Branch has worked on credit union development assignments in Afghanistan, Argentina, Bangladesh, Barbados, Belarus, Bolivia, Cambodia, Chile, China, Colombia, Costa Rica, Croatia, East Timor, Ecuador, El Salvador, Ethiopia, Ghana, Grenada, Guatemala, Guyana, Honduras, Iran, Jamaica, Kenya, Liberia, Libya, Mexico, Moldova, Nigeria, Panama, Papua New Guinea, Peru, Poland, Romania, Russia, Rwanda, Senegal, the Solomon Islands, South Africa, Sri Lanka, Suriname, Tanzania, Trinidad and Tobago, Uganda, Vietnam and Zambia. Branch received his Ph.D. in economics at the University of Wisconsin in Madison, Wis., an M.A. in Latin American studies at the University of Texas in Austin, Texas, and a B.A. in government and Spanish from Bowdoin College in Brunswick, Maine.

Daniel Burns, Chair Credit Union Central of Canada, Canada Daniel Burns, chair of Credit Union Central of Canada (Canadian Central), is a lawyer, accountant, entrepreneur and experienced corporate director in the fields of financial services, investment management and insurance.

In 2007 he was elected to World Council of Credit Unions’ board, where he is presently treasurer. He serves as director of Coast Capital Savings Credit Union, The Co-operators Group Ltd. and Addenda Capital. Burns is also chair of the National Legislative Committee at Canadian Central and a member of the Law Society of British Columbia and the Certified Management Accountants of Ontario. He holds degrees in economics from the University of Western Ontario, in law from the University of British Columbia

38

General Session Speakers and in business from the University of Toronto. Burns also earned a global executive master’s degree in business administration from St. Gallen University in Switzerland and the ICD.D designation as a certified director from the Institute of Corporate Directors.

Bill Cheney, President & CEO Credit Union National Association, USA Bill Cheney became president and CEO of Credit Union National Association, the U.S. credit union trade association, in 2010 following a nationwide search that included a number of distinguished and highly eligible candidates. A credit union veteran, Cheney has a quarter-century of experience in a career launched in the 1980s that has carried him from his home state of Texas to California and now Washington, D.C. He has been involved in credit unions at nearly every operational level and discipline. Cheney served as a credit union CEO for nine years with Xerox FCU, today known as Xceed FCU, in El Segundo, Calif., and as president and CEO of the California and Nevada Credit Union Leagues for four years. He holds a B.B.A. in finance from the University of Texas in Austin, and attended the Advanced Leadership Institute at Harvard Business School in Boston.

Charlene Li, Author Groundswell and Open Leadership, USA As the founder of the Altimeter Group, Charlene Li is one of the foremost experts on social media and technologies. She is an independent thought leader on leadership, strategy, social technologies, interactive media and marketing. Li was previously vice president and principal analyst at Forrester Research and a consultant with Monitor Group. She was named one of the 100 most creative people in business by Fast Company in 2010 and one of the most influential women in technology 2009. Li has appeared on 60 Minutes, The PBS News Hour, ABC News and CNN.

David Phillips, President & CEO Credit Union Central of Canada, Canada David Phillips has served as president and CEO of Credit Union Central of Canada since 2006 and prior to that served as its vice president, general counsel and corporate secretary. Prior to joining Credit Union Central of Canada, Phillips served for 16 years as vice president, general counsel and corporate secretary of the Canadian Bankers Association. Throughout his 30 years in the Canadian financial services industry, Phillips has served on numerous committees in the banking and credit union sectors, touching on a wide range of public policy issues. He has also served as a representative of World Council of Credit Unions on two occasions, working with international regulatory matters. Phillips is on the advisory board of the Banking and Finance Law Review. He holds an LLB and LLM from Osgoode Hall Law School and an M.B.A. from the Schulich School of Business at York University, both in Toronto. He is also a member of the Ontario Bar.

Manuel Rabines, Chair

Margaret Shine, Group Head for Advisors’ Global Segment Solutions

World Council of Credit Unions, Peru Manuel Rabines serves as World Council’s chair and represents the Peruvian credit union movement as a delegate of Federación Nacional de Cooperativas de Ahorro y Crédito del Perú (FENACREP). Rabines served the Peruvian credit union movement in several roles, including general manager of the Santa Elisa Cooperative; manager of technical assistance and general manager of Confederación Latinoamericana de Ahorro y Crédito (COLAC); general manager of FENACREP; Peru’s deputy minister of labor; president of COLAC; and president of the Confederated Bank of Latin America. In the academic arena, Rabines was a professor of financial analysis at the Private University of Lima and is a certified public accountant with a master’s degree in business administration.

Ian Shelley, Mobile Technology Expert Canada

Ian Shelley has 20 years’ experience in the financial services sector, providing management consulting services including extensive IT system, operations and mobile payment advice. A former partner with KPMG Canada, his experience covers credit unions, banks, insurers, regulators and infrastructure providers in Canada, the United Kingdom, Australia and Bermuda. Shelley has been published in The Globe and Mail, National Credit Union Magazine, Payment Innovations and Lexpert.

MasterCard Advisors, USA Margaret Shine is the group head for MasterCard Advisors’ segment solutions business. She launched this newly formed global business in 2011 and is responsible for developing and executing Advisors’ global strategy for small banks and emerging markets. Shine’s focus is on defining the solutions, sales and delivery channels and the customer experience that will differentiate MasterCard in this segment. Prior to this role, Shine was senior vice president on the Citibank North America account team for MasterCard Worldwide, responsible for the North America business sales strategy. In this role, she developed and executed significant business growth initiatives such as the launch of Citi’s debit card program, expansion and upgrade of the Citi/AA affluent product set and the strategic implementation of Diner’s Club North America for MasterCard. Shine holds a B.A. from Fordham University in New York.

Simon Sinek, Author Start With Why, USA A trained ethnographer, Simon Sinek is best known for his theory of the “Golden Circle”— a naturally occurring pattern, grounded in the biology of human decision making that explains why we are inspired by some people and organizations more than others. Sinek teaches graduate-level strategic communications at Columbia University.

He has presented at the United Nations, to the senior leadership of the United States Air Force, and to the senior leaders of NASA.

BENEFIT FROM OUR

FOCUS We Specialize in Executive Benefits for Credit Unions.

With ever-changing regulations, your Credit Union needs someone entirely dedicated to your industry. We understand your needs better than anyone, and no one is better equipped to help you develop, implement, and administrate executive benefit plans that will attract and retain top talent.

Educating Women, Strengthening Communities, Changing Lives...

To learn more about our work, and how you can help to enrich and elevate the lives of women in need, visit our website.

Let us show you how our focus will benefit your Credit Union!

888-494-8911 | BFBbenefit.com

BFBfoundation.org

Ottawa World Credit Union Conference

20 13

Thea Albright, Marketing Manager SELCO Community Credit Union, USA As marketing manager for SELCO Community Credit Union (SELCO), Thea Albright leads SELCO’s marketing, branding and communication efforts.

She’s participated in social media since the mid1990’s, and has six years of professional social media marketing experience and more than 20 years of marketing experience. Albright has conceptualized, strategized and actualized the social media program for Northwest Community Credit Union, and is in the process of strategizing social media for SELCO. She has advised several credit unions on their social media plans and has consulted for numerous businesses and non-profits.

Juliana Alvarez Gallego, Director Banca de las Oportunidades, Colombia Juliana Alvarez Gallego is the director of Banca de las Oportunidades, a program of the Colombian government that promotes access to financial services among the entire population.

An executive at Bancolombia for 11 years, she previously served as district secretary of Hábitat de Bogotá and as CEO of Caja de Vivienda Popular de Bogotá.

Alvarez has been the board chair for several organizations, including Acueducto y Alcantarillado de Bogotá, Metrovivienda, Renovación Urbana, Caja de la Vivienda Popular and Unidad Especial de Servicios Públicos. She has a degree in business administration with a specialization in urban strategic planning and additional studies in public administration.

Breakout Session Speakers Kris Babbings, Business Relationship Manager Advantage Credit Union, Canada Kris Babbings started his credit union career in 2005 as an agricultural and commercial account manager with Affinity Credit Union in Rosthern, Saskatchewan, Canada. He joined Advantage Credit union in 2011, where he oversees several rural Saskatchewan branches. He is responsible for providing leadership to team members to foster a member-centric culture, while achieving organizational goals. Babbings holds degrees in both marketing and business administration from the Saskatchewan Institute of Applied Science and Technology. As a member of the Saskatchewan Young Leaders Committee, he focuses on the development and empowerment of youth in and for the credit union system.

Alan Beanland, Chairman CUA Ltd., Australia Alan Beanland has been the chairman of CUA, Australia’s largest mutual, since 2009. CUA is currently Australia’s tenth-largest retail home lender. Beanland’s business experience spans five decades and four continents and includes service as a director of several public companies in different industry sectors, including insurance, superannuation administration, managed services and forestry. Beanland is also a director of the Colonial Foundation Trust, which aims to make a positive contribution to society by supporting organizations that work to find solutions for those in need or to improve the quality of community life.

Your trusted credit union partner Credit unions trust CUMIS to protect the personal, financial and business needs of their members. You can also rely on our team of experts to guide you to the right insurance and insurance-based wealth management solutions for your strategic business needs.

Call CUMIS today at 1-800-263-9120 or visit www.cumis.com.

40

Fraud is Everywhere.

EMV is Here.

800.443.7728

41

Ottawa World Credit Union Conference

20 13

Brian Bevilacqua, Communications Manager First West Credit Union, Canada Brian Bevilacqua is communications manager at First West Credit Union, one of Canada’s largest co-operative financial institutions with C$7.1 billion in assets and nearly 1,300 employees. He leads internal corporate communication and supports the senior executive team. He holds degrees in history and in biology/chemistry from Trinity Western University, Langley, B.C. Bevilacqua previously served as media and communications liaison with human rights agency International Justice Mission in its Mumbai, India office. Additionally, he serves on the community council for the Salvation Army’s Gateway of Hope homeless shelter in Langley, B.C.

Randy Biberdorf, Vice President, Wealth Management Servus Credit Union, Canada As vice president of wealth management for Servus Credit Union in Edmonton, Alberta, Canada, Randy Biberdorf leads a group of credit union professionals who provide investment, insurance and estate and trust services to the credit union’s members. Biberdorf has more than 20 years of experience in the financial services industry in both advisory and leadership roles. He holds the Certified Financial Planner and Fellow of the Canadian Securities Institute designations, as well as a bachelor’s degree of commerce and a master’s degree of business administration.

Kusi Boachie Yiadom, CEO Gesro Co-operative Credit Union, Ghana Kusi Boachie Yiadom has served as chief executive officer of Gesro Co-operative Credit Union in Takoradi, Ghana, since 2000. During that same period he was president of Ghana Association of Credit Union Managers, on the board of Suma Rural Bank and served as consultant for a variety of microfinance companies and public institutions. He holds a bachelor’s degree in commerce from the University of Cape Coast and an M.B.A. from the Paris (France) Graduate School of Management. He also holds multiple certifications from a variety of international financial and credit union organizations. Boachie i is currently pursuing a doctorate in global business and leadership at the California Intercontinental University, USA.

Grzegorz Buczkowski, President TUW SKOK, Poland Grzegorz Buczkowski is president of TUW SKOK, the mutual property and casualty insurance company and TU SKOK Życie SA, the Polish credit union system life insurance company. He has 23 years’ experience in the Polish credit union system and 19 years’ experience in the Polish insurance market. Buczkowski served as a consultant to

42

Breakout Session Speakers the EU PHARE, UNDP and World Bank CGAP programs and to the United Nations’ International Labor Organization. He is a member of the executive committee of the board of directors of the Association of Mutual Insurers and Insurance Cooperatives in Europe. Buczkowski holds an M.A. in English literature from Gdańsk University, Poland, and an M.B.A. from Gdańsk University and Strathclyde University, Glasgow, Scotland.

Jacqueline Chilton, Partner Glenbrook Partners, USA Jacqueline Chilton has more than 15 years of payments-related strategy consulting experience with extensive knowledge across multiple disciplines, including business and consumer payments, mobile or alternative models, e-commerce payments and fraud and risk management. Prior to joining Glenbrook Partners, Chilton was senior engagement manager in Accenture’s strategy and financial services practices. At Accenture she also consulted for card companies, banks, insurance and other financial services companies in Canada, the USA and Europe. Her work included market entry strategy, new product development, commercial cards, enabling partner selection, strategic sourcing and interchange strategies.

Frank Corcoran, Chief Executive Officer No. 1 CopperPot Credit Union, Great Britain Frank Corcoran is chief executive officer for No. 1 CopperPot Credit Union in Manchester, England. He joined the credit union movement in 2000 and helped grow his credit union from an asset base of £7 million and 6,000 members to the current asset level of £107 million and 25,000 members. Prior to joining the credit union movement, Corcoran worked for Barclays Bank for 23 years managing in both the corporate and personal sectors at local, regional and head office levels.

Karl F. Cordewener, Deputy Secretary General Basel Committee on Banking Supervision, Switzerland Karl F. Cordewener, deputy secretary general of the Basel Committee on Banking Supervision, earned his Ph.D. in business administration from Germany’s Göttingen University in 1982. For the next 12 years, Cordewener served in various roles at the Deutsche Bundesbank in Frankfurt, including in its international department and, from 1988 forward, the banking supervision department, in which he was in charge of harmonization and coordination of European Union banking regulations. Cordewener joined the Secretariat of the Basel Committee on Banking Supervision in November 1994 and in January 2000 was appointed deputy secretary general.

Since 1994 his main areas of work in the Secretariat have been the market risk amendment, released in January 1996; the revision of the 1988 Capital Accord, in particular Basel II; and in drafting the Basel III documents and the revision of the Core Principles for

Patrice Dagenais, Vice President, Payment Services and Business Partnerships

Effective Banking Supervision. He currently oversees issues related to the Standards Implementation Group, and co-chairs the Basel Consultative Group which is the committee’s main outreach group.

Desjardins Card Services, Canada

Victor Miguel Corro, Vice President World Council of Credit Unions, USA Victor Miguel Corro has 20 years of experience working in international and cross-cultural environments in the private and non-profit sector. Corro was a Fulbright Scholar at the University of Wisconsin–Eau Claire in a program financed by the U.S. Department of State. Since 2004, Corro has developed, coordinated and overseen World Council’s International Partnerships Program, which currently includes 22 partnerships spanning 21 countries. He has worked in more than 40 countries and is fluent in English and Spanish.

Patrice Dagenais joined Desjardins Card Services (DCS), a business unit of the Desjardins Group, in 1991. Dagenais has been an adviser for VISA since 1992 and served as a member and chair of the Interac board from 2005 to 2013. His experiences as chief in marketing products led him to create Accord D, a financing solution available in the Desjardins caisses network and in many merchants across Canada.

He also contributed to the development of a number of innovative products and business partnerships with MasterCard and Rona.

Dagenais holds a bachelor degree in history and an M.B.A. from Université de Sherbrooke.

Jason Davies, Vice President eCommerce

Matt Cotter, Senior Vice President D+H Mortgagebot, USA Matt Cotter’s 16 years’ experience in the technology industry and his work with community banks, credit unions and financial institutions has given him a deep understanding of the role technology plays in today’s financial services marketplace. He is particularly interested in how mobile platforms affect consumer behavior and how online technology enables smaller financial institutions to compete on a level playing field with big lenders. Before joining D+H Mortgagebot in 2010, Cotter held progressively senior positions with such leading edge companies as HCL-Axon, SAP, Legato, i2 Technologies and Amdahl Corporation. He is a graduate of Duke University, where he studied English literature.

MasterCard Canada, Canada Jason Davies, vice president of eCommerce for MasterCard Canada, is responsible for the development of new technologies that are changing the way Canadians pay online. Davies’ role involves the development of eCommerce products and strategies that are leading the way in converged payment solutions and turning every connected device into a commerce device. Davies has worked at all levels within the Canadian retail industry, starting his career with Canadian Tire where he developed a deep understanding of what it takes to run a successful retail operation either online or in-store. Davies holds degrees in psychology and economics from McGill University and McMaster University, respectively, along with an M.B.A. from the Odette School of Business.

MOBILE/VIRTUAL CO-OP Mobile P2P | Sprig CO-OP Check Imaging CO-OP Online Services

ENGAGE

SHOP ACCESS

LOCATIONS CO-OP Network CO-OP ATM CO-OP Shared Branching CO-OP Member Center

Be there for more members, in more ways than ever.

Be there when they need cash on a cross-country road trip. A check deposit while away at college. A human voice at 2 A.M. Or to transfer funds with the tap of a fingertip. Be there for more members, at more points in time, in ways they never thought possible. Be

more.

Dig deeper at co-opfs.org ©2013 CO-OP Financial Services

CARD PAYMENTS CO-OP Debit CO-OP Credit

Micah Taze Davis, General Manager Bermuda Industrial Union Credit Union Co-op Society, Bermuda A 30-year veteran of the credit union movement, Micah Taze Davis currently serves as general manager of the Bermuda Industrial Union Credit Union Co-op Society, the only credit union on the island nation of Bermuda.

A native of Jamaica, Davis was a member of the Legislative Task Force of the Jamaica Co-op Credit Union League Ltd. and helped develop the Bank of Jamaica Regulatory Guidelines for Credit Unions. He also served as president of the Jamaica Managers Association and treasurer of the National Union of Co-operative Societies in Jamaica. He earned Bachelor’s degrees in management and accounting and an M.B.A. in general management from the University of the West Indies in Mona, Jamaica.

Bridget Deutz, Social Media Marketing Coordinator St. Cloud Federal Credit Union, USA As the social media marketing coordinator for St. Cloud Federal Credit Union, St. Cloud, Minn., Bridget Deutz is responsible for the creation and implementation of online content using platforms such as Facebook, Twitter, YouTube, Blogger, Google+, LinkedIn, and Pinterest. She monitors trends in social media applications and develops strategies to increase visibility, memberships, community involvement, and member utilization of products and services of her credit union’s two branches. Prior to her credit union work, Deutz worked as an intern for DAYTA Marketing, a social media marketing firm, as well as the Target Corporation.

Eric Dillon, CEO Conexus Credit Union, Canada Eric Dillon has more than 20 years’ experience in the credit union system and the co-operative movement. Prior to joining Conexus Credit Union, one of Canada’s largest credit unions with more than C$4.2 billion in assets, 114,000 members and 47 locations, Dillon was COO at Servus Credit Union. In his former role, Dillon was accountable for creating an exceptional member experience and was one of the primary architects behind Servus Credit Union’s Young & Free Program that won both national and international acclaim. Dillon currently serves on the board of Credential Financial, Inc. and Apex Investment Fund and is a member of the Filene Research Institute. Dillon has an M.B.A. focused on management consulting and enterprise risk management and is a graduate of the Queen’s University Leadership Program.

Ryan Donovan, Senior Vice President Legislative Affairs Credit Union National Association, USA Ryan Donovan joined Credit Union National Association (CUNA) as vice president of legislative affairs in 2007 and was promoted to senior vice president in 2011. Combining his experiences as a congressional staff member

44

and credit union league employee, Donovan is responsible for coordinating and supervising the activities of CUNA’s lobbying team, which represents the interests of the U.S. credit union movement before both houses of Congress.

Dominic Dunn, Head of Business and Corporate Services Abacus–Australian Mutuals Ltd., Australia Dominic Dunn is head of business and corporate services for Abacus–Australian Mutuals and is an executive team member. The business services group is comprised of compliance services, Abacus legal, research services, fraud and financial crimes and Small Australian Mutuals Network and provides advice, business support and resources to more than 120 Australian member organizations. In the corporate services area, Dunn is responsible for finance, IT systems and office administration.

Dunn served in Abacus’ senior management through an important evolutionary period in the Australian mutual sector that began with the creation of Abacus in 2006. Previously, he held senior positions with Australia’s larger commercial central, Cuscal Ltd. He holds a bachelor’s degree in economics and a master’s degree in business.

Melvin Edwards, Principal Development Co-operators Inc., St. Lucia Melvin Edwards is principal with Development Co-operators Inc., a consulting firm dedicated to the growth of credit unions and financial cooperatives throughout the Caribbean. A native of St. Kitts and Nevis, Edwards is a graduate of the University of the West Indies, the University of Wales and the Coady International Institute in Nova Scotia, Canada. He spent most of his 40-year career working with youth and community development, private enterprise, microfinance, agribusiness and credit unions as a development planner, project manager and business trainer. He has served on the board of Caribbean Confederation of Credit Unions and World Council of Credit Unions, serving as chair from 2007-2009. He is a founding member of the St. Kitts Cooperative Credit Union.

Daniel Ferretti, Chief Marketing Officer and Channels Head Sicredi, Brazil As chief marketing officer for for Sicredil, Daniel Ferretti is responsible for brand, advertising and activation strategy to promote 1,200 branches serving 2.3 million members in 10 states across Brazil. In addition to communications and public relations, Ferretti is also responsible for overseeing cross-channel campaign management among branches, Internet banking, mobile banking and ATMs. He develops strategies and aligns efforts with 112 credit unions to maximize brand awareness and member experiences. Prior to joining Sicredi, Ferretti oversaw portfolio and decision management for Citi’s retail bank and before that supervised marketing for BNP Paribas insurance arm in Brazil. He has a bachelors degrees in marketing from Fundação Armando Alvares Penteado in São Paulo, Brazil, and in communications from Universidad Iberoamericana in Mexico City.

Ingrid Fischer, Africa Region Director Canadian Co-operative Association, Uganda Ingrid Fischer is a credit union and cooperative development professional with more than 35 years’ experience working with boards of directors in credit unions, cooperatives and NGO’s in 17 countries in North America, Africa, Latin America and Asia. She is currently the Canadian Co-operative Association’s director for Africa, overseeing projects throughout the continent’s sub-Saharan region. Fischer specializes in rural finance and emphasizes board development and good governance based on cooperative principals, risk management, strategic planning, policy development and financial management. A former credit union manager, Fischer is a strong proponent of credit union-specific legislation supported by enabling regulatory environments. She provided input for legislative and regulatory change for credit unions in British Columbia, China, Ghana, Mongolia, Sierra Leone, Sri Lanka and Uganda.

Ian Glassford, Chief Financial Officer Servus Credit Union, Canada Ian Glassford is the chief financial officer of Servus Credit Union, a C$12 billion credit union serving 62 communities in Alberta. His responsibilities include the Accounting, Treasury and Financial Performance functions. Glassford joined the Treasury Department of Servus Credit Union in 1993 after five years on Bay Street and has been in his current role since 2008. He holds a bachelor’s degree in communications, an M.B.A. and his CMA designation. Glassford served on the Board of Credential Financial Ltd. and as lecturer at the University of Alberta. He is currently on the Board of Directors of Credit Union Central of Alberta.

Brigitte Goulard, Vice President, Policy and Government Relations Credit Union Central of Canada, Canada As vice president, policy and government relations for Credit Union Central of Canada, Brigitte Goulard identifies and oversees current policy priorities of the Canadian credit union system. An experienced policy professional in the Canadian financial services industry, Goulard has been employed in legal and policy roles with several industry associations, including The Trust Companies Association and Canadian Life and Health Insurance Association. She also held the position of vice president of pan-Canadian development with La Fédération des caisses Desjardins du Québec and the position of vice president, general counsel and corporate secretary with TD Meloche Monnex. Goulard is a lawyer with an LL.B. from the University of Ottawa and a member of the Ontario bar.

Paweł Grzesik, Head of the Warsaw Office National Association of Cooperative Savings and Credit Unions, Poland As head of the Warsaw office, Paweł Grzesik oversees national legal work and foreign projects for Poland’s National Association of Cooperative Savings and Credit Unions. His past work includes drafting complete legislation for credit unions in Belarus and working with credit unions in Azerbaijan, Belarus, Macedonia, Moldova, Russia, Slovakia and Ukraine. He worked as a consultant on credit unions and entrepreneurship promotion for variety of donor organizations including Poland’s Ministry of Foreign Affairs, the World Bank and the Nordic Council of Ministers. Prior to his current position he served the United Nations doing development work in a variety of countries and prior to that served Poland’s Ministry of Foreign Affairs in Warsaw. Grzesik holds degrees from Royal Jagellonian University in Kraków, Poland, University of Westminster in the U.K. and Central European University in Budapest, Hungary.

Hervé Guider, General Manager European Association of Co-operative Banks, Belgium Since 2001, Hervé Guider has been general manager of the European Association of Cooperative Banks (EACB). He joined the EACB in 1994 as deputy secretary general and was involved in different committees set up by the European institutions related to the introduction of the euro.

Guider started his career as financial director in a regional bank before moving to the National Association of Crédit Agricole in Paris as a financial adviser. During this time, he was member of the Groupeuro, a network set up by the EU Commission in charge of the communication campaign on the single currency.

He currently is a member of various bodies of the European Payments Council, member of the supervisory board of the European Financial Reporting Advisory Group (EFRAG), member of the Contact Group on Euro Payments Strategy (COGEPS), chairman of the Think Tank on Co-operative Banks, and a member of the executive committee of the European Banking Industry Committee. In 2009, he co-wrote a book entitled La Banque Cooperative en Europe and in 2010 published Retail Banks which contains a specific contribution about the role of cooperative banks in developing financial education.

Shoba Gunasekaran, General Manager TCC Credit Co-operative Ltd., Singapore Shoba Gunasekaran is general manager of TCC Credit Co-operative Limited (TCC Ltd.) in Singapore. As the country’s largest largest credit co-operative, TCC has assets of S$78 million and serves nearly 42,000 members. Gunasekaran, who has been in the co-operative movement for 16 years, sits on the boards of several other co-operative and nonprofit organizatons. In 2006 she was awarded the World Council’s Young Credit Union People (WYCUP) scholarship. A graduate of the Australian Development Education program in 1998, Gunasekaran also holds the desingation of Asian Development Educator. She has a master’s degree in mass communication from Oklahoma City, Okla. University.

45

Bob Hague, President, Credit Union Distribution The CUMIS Group Ltd., Canada Bob Hague joined The CUMIS Group Ltd. in 2010 as president of credit union distribution. Prior to this role, Hague was SVP and chief member services officer for Meridian Credit Union and VP of service and sales for Niagara Credit Union.

He also spent 20 years with BMO Financial Group in a variety of senior roles. Hague has an M.B.A. in financial services from Dalhousie University and a bachelor’s degree in economics from McMaster University. He is a fellow of the Institute of Canadian Bankers and has completed the Partners, Directors and Senior Officers Course and the Canadian Securities Course through the Canadian Securities Institute. Hague also serves on the board of directors of Concentra Financial, which provides financial intermediation and trust solutions to credit unions across Canada, and is a longstanding member of the Canadian co-operative financial community.

Heather Harmse, Manager of Digital Marketing Vancity Credit Union, Canada As manager of digital marketing for Vancity Credit Union in Vancouver, B.C., Canada, Heather Harmse overseas the corporate Internet and intranet sites, digital signage within Vancity branches, marketing content on ATM screens and social media on behalf of Canada’s largest credit union.

In 2010, Harmse transformed the online experience for 2,500 Vancity employees with the launch of Insite, Vancity’s intranet and one-stop portal designed to increase productivity and staff collaboration. In 2012, Harmse led the launch of Vancity’s social media presence on Facebook, gathering 2,000 followers within the first three weeks after launch.

Kelli Hawkins, Communications Manager Numerica Credit Union, USA Kelli Hawkins is communications manager for Numerica Credit Union, a US $1.3 billion credit union headquartered in Spokane Valley, Wash.

A graduate of Washington State University’s School of Communication, Hawkins has worked in the public relations industry for more than 17 years and for the past 10 years has overseen Numerica’s community involvement, media relations, internal and external communications and the credit union’s social media presence and strategy. Under her management, Numerica began building digital relationships with a Facebook page that currently has nearly 6,000 likes. In addition, her team manages a presence on Twitter, YouTube, LinkedIn and Vimeo.

Kimberly Hester, EVP, Customer Care and Financial Solutions CO-OP Financial Services, USA Kimberly Hester is EVP of customer care and financial solutions at CO-OP Financial Services in Rancho Cucamonga, Calif., USA. She oversees customer care, EFT call center, credit card processing, e-commerce operations

46

and the CO-OP Member Center in Fort Worth, Texas. Previous responsibilities included systems and support, switch operations and network conversions and implementations. She has served in senior executive roles in credit union operations, delivery systems, product/service development, marketing, growth strategies, business services and customer service. She began her career at LAPCU in 1988, where she was promoted to CEO. She then joined Community Credit Union in Texas as COO, helping CCU grow from five to 32 locations, and increased assets to US $1.3 billion serving 130,000 members.

Philip Howard, Senior Vice President Equens SE, Germany As senior vice president for Equens SE in Frankfurt, Germany, Philip Howard is responsible for expanding the company’s business through new client acquisitions and the opening of new markets. Equens is an independent panEuropean, full-service payment processor offering a distinctive and modular range of payment and card services and innovative solutions to banks. Howard is also Equens’ representative to the International Payments Framework Association where he played a leading role in the development of the organization’s Rulebook and the Technical Design. Prior to joining Equens, Howard had a number of consultancy positions in the areas of payment and card processing.

Brent Huston, Security Evangelist & CEO MicroSolved, Inc., USA Brent Huston, security evangelist and CEO of MicroSolved, Inc., has hacked a myriad of technologies from financial systems and utilities to voting mechanisms, casino and lottery machines, medical gear and weaponry.

When he is not focusing his energies on chaos and entropy, he helps organizations create better security processes, policies and technologies. He is a well-recognized author, inventor and entrepreneur. He spent the last 20 years dedicated to information security on a global scale.

Benjamin Janzen, Stewardship-inAction Advisor Mennonite Savings and Credit Union, Canada Benjamin Janzen is the stewardship-in-action advisor at Mennonite Savings and Credit Union, Canada’s largest faith-based credit union.

Under his leadership, the stewardship-in-action program seeks to advance peace, social justice and mutual aid in communities.

Janzen applies a diverse skill set to his work, developed through professional experience in classical music, teaching and camping ministry. He is passionate about the impact that credit unions can have on building vibrant communities.

James Jatras, Managing Director Global Strategic Communication Group, USA As managing director of Global Strategic Communication Group, James Jatras is a veteran government relations and public advocacy specialist whose expertise in both the U.S. public and private sectors covers a range of international and domestic issues. His work includes representation of clients on a broad range of policy issues with concentrations in foreign policy, international security, global terrorism, international trade and immigration, along with work in areas as diverse as appropriations, healthcare, tax, energy (including renewable), pharmaceuticals and cosmetics, security services, transportation, bioterrorism, and criminal defense. Jatras served for many years at the senior staff level at the U.S. Senate Republican Policy Committee and as a foreign service officer with the U.S. Department of State. Jatras holds bar memberships in Pennsylvania, the District of Columbia, and the U.S. Supreme Court.

Mandy Johnston, Head of Communications Irish League of Credit Unions, Ireland Mandy Johnston has served as head of communications for the Irish League of Credit Unions (ILCU) since 2009. She now manages marketing, advertising, public relations and event management for 487 credit unions serving the needs of 3.1 million members in Ireland and Northern Ireland. Prior to joining ILCU, Johnston was spokesperson for the Irish government’s Department of Finance. In June 2002, Johnston became the Irish government’s youngest and first female press secretary, a position she held for five years. Johnston was deeply involved in the Northern Ireland peace process and acted as political liaison following the successful devolution of power in Northern Ireland in April 2007. Her role included negotiations with the new local administration to develop increased cross border co-operation between agencies in the North and South to strengthen relations and explore new social, economic and business possibilities.

Congress.

Harry Joosten, Governance Coach & Corporate Secretary Libro Financial Group, Canada Harry Joosten is Libro Financial Group’s governance coach and corporate secretary, responsible for corporate governance, public affairs, community investment and strategic planning activities. He also serves on the legislative affairs committees of both Central 1 Credit Union and Credit Union Central of Canada. Joosten started at Libro in 1976 after graduating from Western University in London, Ontario with a degree in economics. Joosten has also achieved both the Fellowship and Associate designations from the Credit Union Institute of Canada and completed Queens University’s Executive Development Program. Over the past 37 years, Joosten guided the governance activities within Libro’s unique branch communitybased democratic control structure, constantly evolving, developing and improving over that time.

John Julian, Director, International Communications & Policy Canadian Co-operative Association, Canada John Julian is Director of International Communications and Policy at the Canadian Co-operative Association (CCA), where he oversees programs designed to engage Canadians in CCA’s international work. Over the past decade, 170 Canadian credit unions have provided onsite mentoring for female credit union employees from around the world, more than 150 senior credit union managers have provided one-on-one coaching to credit union managers in Africa and Asia, and 165 young Canadian professionals have spent between six months and one year working for CCA partners overseas or in CCA field offices. Last year CCA piloted a joint leadership training program with youth from credit unions in Ghana.

Sylvester Kadzola, Director World Council of Credit Unions, Malawi As a member of World Council of Credit Unions’ board of directors, Sylvester Kadzola represents the Malawi credit union movement as chief executive officer of the Malawi Union of Savings & Credit Cooperatives. Kadzola holds a bachelor’s degree from the University of Malawi, a master’s degree in business administration from the Maastricht School of Management and was a Hubert Humphrey Fellow in economic development at American University. He is a financial professional with more than 20 years’ experience in financial cooperative development and management. Kadzola is a trustee of the Natural Resources College and sits on the boards of the Malawi Microfinance Network and the Malawi Lake Basin Program, a rural livelihoods improvement program comprising a consortium of five organizations: Farmers Union of Malawi, National Smallholders Farmers Association of Malawi, Malawi Union of Savings and Credit Cooperatives, Swedish Cooperatives Centre and Vi-Agro Forestry.

Michael J. Kelly, President & CEO PSCU Financial Services, USA Since joining PSCU Financial Services as president and CEO in 2011, Michael Kelly has led a company transformation with a renewed mission to help its member-owners grow and prosper in the dynamic payments landscape.

PSCU’s state-of-the art MôPRO Lab serves as a destination for credit unions to gather, collaborate and participate in the high-energy exchange of ideas and growth strategies.

PSCU’s relationships with technology titans like Google Wallet, Visa, MasterCard, First Data, SAP and Teradata are helping equip PSCU member-owners for success in mobile payments and banking, EMV cards and data analytics.

Marwa Nyahende Kesanta, Senior Cooperative Officer Ministry of Agriculture Food Security and Cooperatives, Tanzania As senior cooperative officer responsible for savings and credit cooperative societies (SACCOS) at the Tanzanian government’s

47

Cooperative Development Department, Marwa Nyahende Kesanta supervises SACCOS, trains their staff and develops policies and guidelines for SACCOS development. Kesanta spearheaded a capital mobilization campaign in the two existing cooperative banks in Tanzania, is a member of Tanzania’s Microfinance Technical Committee, was involved in developing SACCOS supervisory guidelines and coordinated World Council’s assignment in strengthening SACCOS supervisory function at the Ministry of Agriculture Food Security and Cooperatives. Kesanta has a BSc. in agriculture, economics and agribusiness from Sokoine University of Agriculture and MSc. in economics from Mzumbe University of Tanzania.

Michael Koisen, Chairman of the Board & President Papua New Guinea Federation of Savings and Loan Societies, Ltd., Papua New Guinea Michael Koisen started his credit union career in 1979 and has since been involved in the operations, management, direction and development of credit unions in Papua New Guinea, Asia and the Pacific. In addition to his role as chairman of the board and president of the Papua New Guinea Federation of Savings and Loan Societies, Koisen is also CEO of the Papua New Guinean Teachers Savings and Loan Society, Ltd., and serves as chair of the Oceania Confederation of Credit Unions. He is a fellow of the Australian Institute of Company Directors and the Australian Mutuals Institute, and is a senior associate of the Australian Financial Services Institute. In addition, Koisen has served on the board of the Association of Asian Confederation of Credit Unions.

Annette Kuckartz, National Credit Union Leader & Partner MNP, LLP, Canada Annette Kuckartz works primarily with credit unions and related system organizations across Canada and leads MNP’s vision and strategic direction for credit unions, bringing passion to this client group. Kuckartz draws upon her extensive experience to deliver effective audit, advisory, training and IFRS services to credit unions and helps them improve the performance and transparency of their business and look for opportunities to better serve members. Throughout the last 14 years, Kuckartz has worked with more than 30 credit unions, and many small and mid-sized businesses that were the cornerstone of credit union membership strategy. Kuckartz holds a Bachelor’s of Commerce from the University of Saskatchewan, Canada and a CA designation. She is a member of the Institute of Chartered Accountants of Saskatchewan and the Canadian Institute of Chartered Accountants.

Shelley Legin, Credit Union Consulting LEAD MNP, LLP, Canada Shelley Legin brings an expert background in financial services, credit union strategy and operations to MNP’s national practice. In her 25 years’ experience she held executive roles including senior vice president of Celero Solutions, vice president of Farm Credit Canada, vice president

48

of Crown Investment Corporation of Saskatchewan, and vice president of CUETS. Legin’s collaborative leadership style and focus on client success is complemented by a track record on delivering results. She is well known to the Canadian credit union system and has held numerous committee positions including the Central 1 E-Commerce Committee.

Michael Leonard, President and Chief Executive Officer Atlantic Central and League Savings and Mortgage Co., Canada Since joining the Atlantic credit union system in 1988, Michael Leonard has worked in branch operations at LSM, as an account manager with CUMIS and as vice president of wealth management and business development with Credit Union Atlantic. He served on several national committees, including as a member of the Canadian Business Owners Strategy National Steering Committee and a member of Credit Union Central of Canada’s National Lenders Committee. He is currently a member of the CUCC Business Issues Committee and a director on the Board of League Data.

Peter Mason, Chief Executive Officer Credit Union Foundation Australia, Australia As chief executive officer for the international development agency for Australian mutuals, Peter Mason has redefined Credit Union Foundation Australia’s international program portfolio to maximize donors’ social return on investment. Mason developed the Asia-Pacific programs, which included founding the Oceanic Confederation of Credit Unions, the apex body for credit unions in the Pacific.

Mason also developed programs in a number of countries, including Cambodia, Timor Leste and Myanmar, focusing on assisting communities in developing their financial cooperatives through technical assistance at micro, meso and macro levels.

Mason is currently completing his doctorate, which focuses on a comparative study of financial cooperatives in the Asia-Pacific region.

Bill Maurin, Acting CEO & CFO Meridian Credit Union, Canada Bill Maurin is a financial services professional with 24 years’ experience in a variety of progressive roles, currently acting CEO and CFO for Meridian Credit Union in St. Catharines, Ontario, Canada. While at Meridian, Maurin built a reputation of enabling business growth while at the same time protecting the balance sheet and ensuring that risk management is central to all key strategic decisions.

Before Meridian, Maurin spent eight years with The CUMIS Group as national manager of finance and director of finance and accounting in insurance operations. He began his career in finance with KPMG Chartered Accountants. He received his CA designation in 1991 and graduated with an honours bachelor’s degree in commerce from McMaster University in 1988. He serves on the board of Central 1 and is a current director of the CUCO Co-operative Association and Central 1 Trust Company.

Tony Mbugua, Group General Manager Fintech Group, Kenya As group general manager for the Fintech Group, Tony Mbugua leads the pan-African financial technology solutions group with a presence in more than 20 countries across the continent.

He leads Fintech in developing, implementing and supporting savings and credit cooperative organization (SACCO) solutions, most recently in establishing a shared SACCO platform/ASP in Kenya under a World Council of Credit Unions initiative geared towards enabling small and medium sized SACCOs to automate and manage their operations and payment channels.

These solutions enabled SACCOs to improve operations, grow memberships, increase product offerings and improve members’ wellbeing. Mbugua holds a bachelor’s degree from the University of Nairobi, Kenya, and an M.B.A. from Eastern and Southern Africa Management Institute in Tanzania.

Cheryl McCormack, Branch Manager Bayview Credit Union, Canada In her eight years with Bayview Credit Union, Cheryl McCormack applied herself in a variety of roles to advance her knowledge and skills.

She prepared and conducted training sessions, presentations and manuals for coworkers while simultaneously working through numerous courses and continuing education on her own. In 2012 she achieved her goal of becoming a branch manager. Before accepting a management position, McCormack designed and implemented a weekly coaching program to encourage staff to share their successes.

She embraced this leadership role by her commitment to life-long learning and her dedication to the credit union and community.

Loraine McIntosh, Partner Deloitte LLP, Canada Loraine McIntosh has more than 25 years’ experience providing accounting, assurance and advisory services to a wide range of clients, with a particular emphasis on the financial services sector. As leader of Deloitte’s Canadian credit union sector practice, McIntosh has worked with each of the Canadian Centrals, most strategic system partners, several provincial regulators and many credit unions, both large and small, individually as well as collectively, on a wide variety of strategic and compliance-based projects.

Richard Mercier, Partner, Risk Advisory Services BDO Canada LLP, Canada As a partner with BDO Canada LLP in Ottawa, Richard Mercier concentrates on the development and implementation of integrated risk management framework for large, complex and usually heavily regulated organizations.

His expertise includes defining risk management governance, risk policy framework, including risk appetite and tolerance, risk monitoring and reporting including key risk indicators and risk and control evaluation methodologies. Mercier has also developed an extensive expertise in conducting diagnostic of risk management capacity, risk and control self-assessment and in developing integrated risk profiles for many organizations. Some of his most recent and pertinent achievements in the financial industry

include the development of an enterprise wide risk appetite and tolerance framework; development of credit and operational key risk indicators and the development of an enterprise-wide risk and control dashboard. He earned a bachelor’s degree in administration and a master’s degree in project management from the University of Québec.

William Myers, Director NCUA Office of Small Credit Unions, USA William Myers is director of the Office of Small Credit Union Initiatives (OSCUI) for the National Credit Union Administration, the U.S. credit union regulatory agency. Myers is responsible for fostering credit union development and the effective delivery of financial services by small, low-income and newly chartered credit unions. Within OSCUI, Myers works to ensure the viability and successful operation of credit unions through training, technical assistance, loans and grants. Myers has also worked as a senior fellow at the Aspen Institute consulting on credit union economic development, community opportunity and strategic planning. Additionally, he has served on the boards of the National Federation of Community Development Credit Unions, CheckSpring Bank Corporation, the State of New York Mortgage Authority and the Opportunity Finance Network. In 1979 Myers founded Alternatives Federal Credit Union and led the Ithaca, N.Y. institution until 2007. He earned his B.A. at Cornell University and subsequently earned Credit Union Development Educator (CUDE) and International Credit Union Development Educator (ICUDE) designations.

Josée Nadeau, Senior Chief, Financial Crimes – International Department PHOTO NOT AVAILABLE

Finance Canada, Canada

Since 2009, Josée Nadeau has been the senior chief of the financial crimes - international department at Finance Canada and the head of the Canadian delegation to the Financial Action Task Force. In addition to the various positions she has held at Finance Canada, Nadeau has worked with the Canadian delegation to the OECD in Paris for three years as the economic counselor and also spent five years at the Bank of Canada in the currency department, including three years in Halifax as the regional director for the Atlantic Provinces. She graduated from Université de Montréal with a bachelor and master’s degree in economics.

Edson Nassar, Retail Banking Executive Director Banco Cooperativo Sicredi S.A, Brazil As retail banking executive director since 2009, Edson Nassar is responsible for the administration of duties covered by the Superintendence of Core Banking, Marketing Products and Channels. He also coordinates the engineering and development of products and services and manages the different distribution channels and relationships used by members and clients. Nassar leads the planning, management and coordination of the development of loan products and rates, as well as strategic partnerships format, maximizing financial results for the system.

He holds an M.B.A. in marketing.

49

Changing our World One Kid at a Time

ed·u·tain·ment [ee-joo-teyn-muhnt] Inform, educate, inspire and motivate kids of all ages to learn about money, credit, taxes, business, and becoming young entrepreneurs. Help them discover

their passion, see the opportunities around them and take action using real world examples of how simple ideas can change our world.

Biz Kid$ is a national �inancial education initiative based on

an Emmy Award-winning public television series about kids, money, and business. The series includes 65 episodes and

reaches over one million viewers per episode. Using a clever

blend of entertainment and education, each Biz Kid$ episode shows kids how to make and manage money by introducing

concepts of �inancial literacy and entrepreneurship. To keep

Supporting and teaching Biz Kid$ is a great way for credit

animation, and stories featuring real life young entrepreneurs.

over $14 million that has supported the show’s production,

young viewers engaged, the series includes a fast-paced mix

of direct education delivered by young actors, sketch comedies,

The show is complemented by a resource rich website, no-cost lesson plans, outreach activities, and social media presence.

Biz Kid$ has aired on over 338 public television stations across the United States, reaching 98% of the country. Current ratings from Trac Media indicate over 1.1 million viewers per episode airing. It has aired in all of the top 75 markets, reaching more than 271 million people since the series was launched in January of 2008.

unions to make an impact. Over the past six years, more than 300 credit unions and af�iliated organizations have raised

website and curriculum. One of the main goals of Biz Kid$ is to

establish it as the premier �inancial literacy delivery mechanism for middle school students and to increase the awareness of

�inancial literacy concepts to kids nationwide, along with the branding of America’s credit unions. In fact, every Biz Kid$

episode begins and ends with a narrator reminding viewers

that: “Production funding for Biz Kid$ is provided by America’s

Credit Unions, where people are worth more than money.”

Visit www.bizkids.com for show clips, free corresponding curriculum, and much more. Many credit unions leverage Biz Kid$ to teach �inancial education in schools in their community.

Visit www.ncuf.coop for Biz Kid$ box sets and starter kits, 50marketing materials, underwriting opportunities, and more.

the Foyer in th o o b r u o y Stop b re information o m r fo 3 l e v e of L Kid$ DVD! and a free Biz

Joshua Ojall, CEO

Andy Poprawa, President & CEO

Mwalimu National Sacco Society Ltd., Kenya

Deposit Insurance Corporation of Ontario, Canada

Joshua Ojall has served as CEO of Mwalimu National Sacco Society Ltd. in Kenya for the past 17 years. The credit union primarily serves Kenya’s secondary school teachers and is the only ISO-certified credit union in Africa. Ojall was recognized by Kenya’s head of state in 2005 for implementing the customer service charter and has been operating on performance contract since 2007. Ojall is an accountant and has a degree in business management.

Eliane O’Shaughnessy, Strategic Advisor Executive Services to the CEO Desjardins Group, Canada Eliane O’Shaughnessy, a senior advisor with the office of the president of Desjardins Group, is responsible for public relations, communications, institutional relationships, business partnerships and projects. For more than 10 years, O’Shaughnessy worked for large international management consulting firms as senior consultant in business strategy, organizational design and change management. She advised many businesses, focusing more specifically on financial cooperatives.

She holds an M.Sc. in business administration.

Neville Parsons, CEO & Director Holiday Coast Credit Union, Australia As CEO and director of Holiday Coast Credit Union, Neville Parsons leads a credit union that predominantly serves the mid-north coast region of New South Wales, Australia. Parsons has served as board director with Cuscal Ltd., Credit Union Foundation Australia, and World Council of Credit Unions. Parsons recently celebrated 30 years of service to Holiday Coast, including 25 years as CEO. He holds bachelor’s degrees in law and economics from University of Sydney. He has been a Rotarian for 32 years, having served as a Rotary district governor in 2009 to 2010. In 2001, Parsons was instrumental in developing and having issued a Tier 1 qualifying capital instrument for Holiday Coast members.

Renee Pomerleau, Marketing Officer United Communities Credit Union, Canada As marketing officer for United Communities Credit Union in Essex, Ontario, Renee Pomerleau leads United Communities’ brand development, develops and executes campaign strategies and oversees credit union’s social media program.

The credit union most recently celebrated 4,000 Facebook fans, which put it in the top tier of fan growth of credit unions across North America. Pomerleau is passionate about helping organizations leverage digital media to meet and exceed their goals and objectives. She has a diploma in graphic design and a certificate of learning from the Interactive Advertising Bureau of Canada.

Andy Poprawa is the president and CEO of the Deposit Insurance Corporation of Ontario (DICO)–the agency of the province of Ontario, Canada, charged with regulating and protecting funds placed on deposit with Ontario’s 138 credit unions and caisses populaires. He has more than 35 years’ experience in the financial services industry and has served as a regulator in the Ministry of Finance (Ontario), as well as with the Office of the Superintendent of Financial Institutions (Canada) in senior positions supervising federally and provincially regulated insurance companies, pension plans, trust companies, credit unions and domestic and foreign banks. He is currently the chair of the International Credit Union Regulators’ Network, a global group of financial cooperative supervisory organizations of which World Council of Credit Unions serves as secretariat.

He has also chaired the Credit Union Prudential Supervisors of Canada Association. He is a chartered professional accountant, a chartered accountant and a former auditor with an international accounting firm. He is also a Certified Government Financial Manager and received his bachelor’s degree in commerce from the University of Toronto.

Tracy Redies, President & CEO Coast Capital Savings Credit Union, Canada Tracy Redies, president and CEO of Coast Capital Savings Credit Union, Canada’s second largest credit union, has more than 20 years’ experience in the domestic and international financial services industries. She leads an entrepreneurial-styled credit union in its quest to bring innovation in banking to Canada. Redies received a Distinguished Alumni award from the University of Victoria in British Columbia, and was inducted into the WXN’s Canada’s Most Powerful Women Top 100 Hall of Fame. A director of Central 1 Credit Union, the C.D. Howe Institute and Surrey Memorial Hospital Foundation, Redies is also a member of the Sauder School of Business Faculty Advisory Board and Canada’s 10 Most Admired Corporate Cultures Board of Governors.

Eric Richard, Executive Vice President & General Counsel Credit Union National Association, USA At Credit Union National Association (CUNA), Eric Richard’s department is responsible for providing regulatory advocacy before various U.S. federal agencies and regulatory compliance services for U.S. credit unions. Richard has been involved in defending the credit union movement against banking industry litigation. Richard joined CUNA in 1997 from the Federal Home Loan Mortgage Corporation, where he was associate general counsel for regulation and the primary liaison with Freddie Mac’s safety and soundness regulator. Richard played a leading role in drafting legislation that created a new system of regulation for Freddie Mac and the Federal National Mortgage Association (Fannie Mae).

Richard received a bachelor’s degree from Princeton University, and his juris doctor degree from Harvard Law School.

51

Dave Richardson, Senior Manager of Technical Development World Council of Credit Unions, USA Dave Richardson is responsible for the development and integration of new technical products and services to improve credit union financial management, regulation and supervision. Richardson has provided extensive input into the creation of World Council’s development methodology and professional toolkit for credit unions and is also the creator of the PEARLS monitoring system, used to monitor credit union financial performance worldwide. Since joining World Council in 1987, Richardson has worked in 54 countries in Africa, Asia, Eastern Europe and Latin America. Richardson also is a faculty member at the prestigious Boulder Institute of Microfinance.

Kim Robinson, Vice President Outsource Services Celero, Canada As vice president of outsourcing services for Celero, Kim Robinson leads a team of dedicated experts that help clients reduce costs and gain operating efficiencies by identifying hosting and outsourcing opportunities so they can focus on their core business. With an IT career that spans almost 30 years, Robinson has held roles of increasing responsibility in information technology in areas such as programming, client-server configuration and support, desktop support, project management and technology consulting. For the past nine years, Robinson has worn several hats at Celero and was instrumental in the success of the organization’s Project Meta, the conversion of more than 100 prairie credit unions from four different legacy retail banking platforms to a single platform in less than three years.

Gary Rogers, Vice President, Financial Policy Credit Union Central of Canada, Canada Gary Rogers, a chartered public accountant, was an income tax specialist at Deloitte LLP prior to joining Credit Union Central of Canada, Canada’s national credit union trade association, more than 25 years ago. Rogers served as chief financial officer at Credit Union Central of Canada for 10 years. Currently, his policy and project role includes income tax, accounting and capital standards, retirement income and the Foreign Account Tax Compliance Act.

Audax Rutabanzibwa, Acting Director and Registrar of Cooperatives Ministry of Agriculture Food Security and Cooperatives, Tanzania Audax Rutabanzibwa is acting director and registrar of cooperatives in the Cooperative Development Department of the Ministry of Agriculture Food Security and Cooperatives in Dodoma, Tanzania. As registrar of cooperatives he also heads implementation of cooperative regulatory services, which include cooperative registration and deregistration, inspection and

52

supervision. Rutabanzibwa contributed to the forthcoming Act of 2013, which among other things will establish the Tanzania Cooperative Development Commission and establish the new SACCOS regulatory system. He holds a bachelor’s degree in business law from the University of Dar es Salaam, Tanzania, and a Ph.D. in business law (joint ventures) from Leicester University, England.

Ademar Schardong, CEO Banco Cooperativo Sicredi, Brazil Ademar Schardong has served as CEO of Banco Cooperativo Sicredi since its founding in 1995, as CEO of Confederação Sicredi since 2009, as president of Fundação Sicredi since its founding in 2004, and has been director of Sicredi Fundos Garantidores since 2009. He holds a bachelor’s degree in law and he is the author of the book Cooperativa de Crédito – Instrumento de Organização Econômica da Sociedade (Credit Unions–Instrument of Economic Organization of Society).

Devin Selte, Corporate Trainer, Leadership Development and Change Leadership Servus Credit Union, Canada In his 14 years with Servus Credit Union, Devin Selte has held a variety of positions, focusing on leadership development and change leadership.

In 2011, Selte was honored as Credit Union Executive Society’s Next Top Credit Union Exec and was named one of Credit Union Times’ 40 Below Trailblazers for his creation of the Servus Young Leaders Network. He has collaborated with several credit unions to help launch young leader development programs and is currently a member of a steering committee creating an Alberta Young Leader development program for the Alberta credit union system. Selte is co-author of the 2CUGuys blog.

Launi Skinner, CEO First West Credit Union, Canada Launi Skinner leads visioning and strategic direction at one of Canada’s largest credit unions with more than C$7.1 billion in assets, 171,000 members and 1,300 employees.

A recognized advocate for rethinking and reinventing credit union partnerships in Canada, Launi ensures First West’s growing family of credit union brands, comprised of Envision Financial, Valley First and Enderby & District Financial, is able to stay local, work big and achieve more. The former president of Starbucks USA, Skinner brings more than 20 years of business-building experience to the credit union system.

While at Starbucks, Skinner oversaw 7,000 company-owned stores and 3,400 licensed stores, and managed an extensive management team with operational responsibility for 130,000 employees. An inspirational leader and speaker, Skinner has been named one of Four Women to Watch in Fortune Magazine’s 50 Most Powerful Women, one of Canada’s Most Powerful Women by the Women’s Executive Network, one of Vancouver’s Most Influential Women in Business and received the 2011 Stevie Award for Best Canadian Executive.

Cathy Smoyer, Senior Vice President/ Chief Risk Officer Mountain America Credit Union, USA

In her current role, Cathy Smoyer is responsible for overseeing multiple business units at Mountain America Credit Union, including security, compliance, operational fraud, risk management, IT risk management, mortgage loan review and consumer loan review. She is a certified internal auditor, a certified fraud examiner and a credit union compliance expert. She was named one of Utah Business Magazine’s 30 Women to Watch and one of the Rising 100 by Credit Union Executives Society. Smoyer also served two terms on the Association of Credit Union Internal Auditors board of directors. She holds bachelor’s and master’s degrees in business administration.

David Southall, President/CEO

Innovations Federal Credit Union, USA David Southall began his tenure at Innovations Federal Credit Union in Panama City, Florida, USA, in 1987. In 2004, he was named president and CEO and immediately began making changes to the organization, including changing the name to Innovations, expanding the number of branches, engineering a merger and, most importantly, creating a unique service and sales culture. Since then, Innovations has grown from US $70 million in assets to more than US $150 million in assets, and the average member age has decreased from 49 years to 42 years. Innovations has created and produced several YouTube videos promoting the credit union and catching the attention of the youth market. Southall received his B.S. in business communications from the Florida State University.

Tansley Stearns, Director of Impact Filene Research Institute, USA With more than 14 years of credit union leadership experience across a variety of functional areas, Tansley Stearns knows how to help an organization move ideas forward to drive business results.

In her previous credit union roles, she was responsible for developing and implementing strategy and then leading and driving business with all frontline teams for call centers, branches, lending, training, compliance, marketing, business development and others. Stearns earned a B.A. from the University of Michigan.

Gail Stepanik-Keber, Chief Brand & Corporate Social Responsibility Officer Servus Credit Union, Canada In her role as chief brand and corporate social responsibility officer at Servus Credit Union, Gail Stepanik-Keber is responsible for digital and brand marketing, member and market insights, corporate communication, reputation management and corporate social responsibility. She has a bachelor’s degree in commerce from the University of Alberta, master’s degree in leadership from Royal Roads University and her designation from the Institute of Corporate Directors. Her professional experience includes six years as general manager of a marketing communications company in Malaysia. Stepanik-Keber is a champion of the Servus Women’s Network and a member of the Global Women’s Leadership Network. She began her credit union career in 1998.

Pierre Taillefer, Partner, Risk Advisory Services BDO Canada LLP, Canada Pierre Taillefer is a partner in the BDO Canada LLP Risk Advisory Services (RAS) group, leading the company’s RAS practice in Montréal. He has 20 years of in-depth experience including seven years in the assurance field and more than 13 years performing risk-related advisory engagements. He is a control objectives and internal controls specialist and, over the past 15 years, has been involved as engagement partner, review partner, engagement manager and/or team member on internal audit mandates in a number of sectors, including crown corporations, NPOs, financial institutions, telecommunications and broker-dealers. In addition to being a chartered accountant, Taillefer holds the Certified Information Systems Auditor and Certified Fraud Examiner designations. Prior to joining BDO, he spent many years providing audit and advisory services at a Big Four accounting firm where he managed a client portfolio consisting of crown corporations, blue chip corporations, financial institutions and large and medium-sized public and private companies.

Dave Taylor, CEO SGE Credit Union, Australia Dave Taylor is currently the chief executive officer of SGE Credit Union in Sydney, Australia.

Between 1989 and 2001, he served as senior executive with Credit Union Services Corporation (CUSCAL), in roles spanning both the commercial and the trade association arms of the organization. As head of CUSCAL’s trade association division, Taylor led the credit union movement’s response to the dramatic restructuring of the national regulatory framework and was the architect of the Credit Union Financial Support System. This work led to the successful completion in 2006 of the groundbreaking Credit Union Capital Project, under which Taylor helped CUNA Mutual structure an aggregated capital raising on behalf of 21 Australian credit unions.

Doce Tomic, President & CEO Credential Financial, Canada As president and CEO for Credential Financial in Vancouver, B.C., Canada, Doce Tomic provides strategic business planning and leadership to the firm. With more than 20 years in the financial services industry, Tomic brings significant investment advisory, wealth management and executive experience gained through senior positions with several of RBC’s Canadian businesses, including: Dominion Securities, Action Direct, Private Banking, Private Trust, and Private Counsel.

More recently, he held the positions of COO for Wellington West Capital, president of Wellington West Asset Management and president of Ticoon Technology Inc. He is a member of the Institute of Corporate Directors (ICD) and TEC Canada, a peer advisory group for chief executives.

53

Paul Trylko, President & CEO Amplify Credit Union, USA Paul Trylko serves as president and CEO of Amplify Credit Union and has more than 30 years of credit union industry experience.

In 2012, he was named one of Austin’s Best CEOs by the Austin Business Journal and led Amplify Credit Union to an award for Best Customer Service from the Austin Chamber of Commerce. Trylko is also chairman of the Texas Credit Union League, president of the Alliance of Austin Credit Unions, and a member of Credit Union National Association’s examination and supervision subcommittee. He represented Texas credit unions at the World Credit Union Conference in Poland and represented Texas as part of a credit union exchange program in Brazil.

Oscar van der Meer, Chief Technology & Payments Officer Central 1 Credit Union, Canada Oscar van der Meer oversees all of Central 1 Credit Union’s payments services, processing and direct banking for the credit union system and other clients, serving more than 300 organizations. Previously he worked for ING Group in the Netherlands and had dual roles in business and technology including developing direct channels and overseeing phone and Internet banking. He joined Central 1 to work on web services development, and was appointed to his current role as vice president of technology and payment services in 2008. He graduated from the University of Amsterdam, Netherlands, with a master’s degree in physics and mathematics and then studied in the executive program at the Graduate School of Business in Sanford, Calif.

Patsy Van Ouwerkerk, President & CEO Travis Credit Union, USA Patsy Van Ouwerkerk is president and CEO of US$2.2 billion Travis Credit Union, which serves approximately 178,000 members. During her 38year credit union career, she has been active in the credit union industry both in California and nationally. She is a past director and has served as board chair of Credit Union Executives Society, California Credit Union League, Western CUNA Management School and Filene Research Institute. In addition, she is a board member of CO-OP Network Services, the Richard Miles Johnson Foundation, and a founding member and advisory committee member of the Global Women’s Leadership Network. Van Ouwerkerk was awarded the California Credit Union League’s Distinguished Service Award and Credit Union Executives Society’s Executive of the Year.

René Vásquez, Deputy Administrative Director Caja Populaire Mexicana, Mexico René Vásquez serves as deputy administrative director for Caja Populaire Mexicana in León, Guanajuato, Mexico. During his 17 years at Caja Populaire he held various positions, including regional coordinator of technical support; manager of institutional development, where he was responsible for launching electronic payments operations; and

54

director of information technology. His current responsibilities include the coordination of information technology, finance and administration, human resources, strategic planning, processes and quality control, payment methods and the legal departments.

Vásquez is a director of both Punto Coop, a subsidiary of the International Cooperative Alliance and of the Cooperative Payments System. He graduated with a degree in electrical engineering from the Universidad Nacional Autónoma de México.

Tamara Vrooman, CEO Vancity Credit Union, Canada Tamara Vrooman is CEO of Vancity, Canada’s largest credit union, renowned for its exceptional member service, sustainable business practices and community leadership.

Under Vrooman’s leadership, Vancity earned its second-highest net income on record and sold non-core parts of the business, which simplified Vancity’s structure and added C$65 million to the credit union’s already healthy capital base. Before joining Vancity, Vrooman served as deputy minister of finance for British Columbia, where she led the ministry to two AAA credit rating upgrades.

Damien Walsh, Managing Director bankmecu, Australia Damien Walsh serves as managing director of bankmecu, Australia’s first customer-owned bank, which first incorporated in 1957. With more than 20 years’ experience in the mutual banking sector and a strong finance background, Walsh helped establish bankmecu nationally and internationally as one of Australia’s most successful mutually owned financial institutions, combining leading economic performance with a strong commitment to customer value creation, co-operative enterprise, sustainable development and employee engagement. Under Walsh, bankmecu became Australia’s first member of the Global Alliance for Banking on Values, an independent network of financial institutions using finance to deliver sustainable development for people, communities and the environment.

Iain G. Young, Senior Managing Consultant MasterCard Advisors, USA Iain G. Young, senior managing consultant with MasterCard Advisors, has more than 12 years of fraud and risk management experience in the financial services industry. He is an industry expert in payment card fraud management and specializes in fraud policy, transaction based prevention and detection segmentation and strategy, application fraud strategy, MIS, fraud operations, fraud organizational structure, fraud analytics, fraud rule development and training. He also is experienced in portfolio risk management, operations process flows, authorization strategy, collections and related areas.

Prior to joining MasterCard Advisors, Young held fraud and risk management positions with MBNA America and General Electric and was a fraud consultant with Fair Isaac.

Ottawa World Credit Union Conference

20 13

Sponsors & Exhibitors

55

Ottawa World Credit Union Conference

20 13

Conference Sponsors In Co-operation With Credit Union Central of Canada 151 Yonge Street, Suite 1000 Toronto, ON M5C 2W7 Canada Phone: 416-232-1262 www.cucentral.ca

As the national trade association for Canada’s credit union system, Credit Union Central of Canada (Canadian Central) provides: 1) a national forum enabling credit unions to work together through consultation and consensus-building, research and conferences, task forces and committees; 2) a national voice for the system, exercising advocacy to promote credit union interests to the federal government, to other regulatory and industry bodies and to the media; and 3) facilitation of national services that bring efficiencies and cost savings to the credit union system. Canadian Central represents five provincial/ regional centrals and one federation representing 339 credit unions with more than C$154.2 billion in assets and serving 5.3 million members, outside of Quebec. Canadian Central was incorporated in 1953 by a special act of Parliament and this year celebrates 60 years of supporting Canada’s credit unions.

Premier Sponsor MasterCard Worldwide 2000 Purchase Street Purchase, NY 10577 USA Phone: 914-249-2000 www.mastercard.com

Sponsors & Exhibitors Celero

350 North 8500 Macleod Trail SE Calgary, AB T2H 2N1 Canada Phone: 403-692-2728 www.celero.ca Celero provides an unmatched combination of information technology (IT) reliability, service and simplicity for credit unions and other financial institutions in Canada. A full-service IT shop, Celero provides complete banking solutions, IT planning, systems integration, hosting, support, maintenance and professional services to meet the diverse needs of financial institutions of all sizes.

Computershare

100 University Avenue, 8th Floor Toronto, ON M5J 2Y1 Canada Phone: 416-263-9200 www.computershare.com/ca-en Computershare (ASX:CPU) is a global market leader in transfer agency and share registration, employee equity plans, proxy solicitation and stakeholder communications. The firm also specializes in corporate trust, mortgage, bankruptcy, class action, utility and tax voucher administration, and a range of other diversified financial and governance services. Computershare is represented in all major financial markets and has over 12,000 employees worldwide.

Concentra Financial Services Association 333 3rd Avenue North Saskatoon, SK S7K 2M2 Canada Phone: 306-956-1988 www.concentrafinancial.ca

Concentra

®

FINANCIAL

MasterCard is a global payments and technology company that operates the world’s fastest payments processing network in more than 210 countries and territories. MasterCard Advisors is the professional services arm of MasterCard Worldwide and provides payments consulting, information, analytics and customized services to financial institutions and their merchant partners worldwide. Addressing complex challenges in strategy, marketing, risk, and operations, MasterCard Advisors helps clients maximize the value of their payments businesses.

For more information, go to www.mastercardadvisors.com. And follow us on Twitter @MasterCardNews, join the discussion on the Cashless Conversations Blog and subscribe for the latest news.

Founded on partnership, thriving on co-operation, and with a commitment to superior solutions, Concentra Financial Services Association works with credit unions, centrals and strategic partners to enhance the success of the Canadian credit union system by delivering a full suite of competitive financial and trust services.

BDO Canada LLP

Based in Rancho Cucamonga, Calif., and founded in 1981, CO-OP Financial Services is the industry leader in access and convenience products for credit unions. CO-OP connects credit union members to their accounts through network, payment processing, e-commerce, shared branching and call center services. With more than 3,500 credit union members, 30 million cardholders, 30,000 surcharge-free ATMs, 4,600 shared branching locations and 2,200 Vcom® kiosks and more than two billion annual transactions, CO-OP Financial Services offers the tools, counsel and leadership to help credit unions prosper.

36 Toronto Street 600 Toronto, ON M5C 2C5 Canada Phone: 416-865-0111 www.bdo.ca/financial-services The Financial Services Practice at BDO provides the highly specialized tax, assurance and consulting services required in an evolving regulatory environment. BDO’s deep commitment to client service is matched only by its in-depth knowledge of the issues – and changes – that affect financial service organizations today.

Burns-Fazzi, Brock

1816 East 7th Street Charlotte, NC 28204 USA Phone: 801-820-4032 www.BFBbenefit.com Burns-Fazzi,Brock (BFB) specializes in benefits for credit union executives and their boards. BFB’s core specialties include: executive benefits, benefit liability management and board long-term care insurance. BFB is the NAFCU Services Preferred Partner for executive compensation and benefit consulting.

56

CO-OP Financial Services

9692 Haven Avenue Rancho Cucamonga, CA 91730 USA Phone: 800-782-9042 www.co-opfs.org

Credit Resources Inc. Canada #200 - 1601 Regent Avenue West Winnipeg, MB R2C 3B3 Canada Phone: 204-582-4242 www.cricanada.net

Creditor Resources Inc. Canada is a leading marketer of credit insurance products and provider of technology solutions for the Canadian credit union industry. CRI Canada builds relationships and delivers innovative solutions that help credit unions and their communities thrive.

CU Direct Corp.

2855 E. Guasti Road, Suite 500 Ontario, CA 91761 USA Phone: 877-744-2835 www.cudirect.com Established in 1994, CU Direct Corp. is the credit union industry’s foremost provider of leading lending solutions. Through its CUDL, Lending Insights, OnSpot Financing, Lending 360 and Vero brands, CU Direct offers an extensive library of products and services designed to help credit unions advance their lending programs and overall portfolio success.

CU Insight

117 West Alexander Street #265 Plant City, FL 33563 USA Phone: 864-404-8615 www.cuinsight.com

credit unions can offer members insurance and insurance-based wealth management solutions. CUMIS is owned by Co-operators Life Insurance Company and Central 1 Credit Union.

CUNA Mutual Group 5910 Mineral Point Road Madison, WI 53705 USA Phone: 608-665-6061 www.cunamutual.com

CUNA Mutual Group is the marketing name of CUNA Mutual Holding Co., its affiliates and subsidiaries. Our insurance, retirement and investment products provide financial security and protection to credit unions, their members and affinity partners worldwide. With more than 75 years of true market commitment, CUNA Mutual Group’s vision is unwavering: To be a trusted business partner who delivers service excellence through customer-focused products and market-driven insight.

CUinsight is an independent provider committed to the credit union movement that connects the community to latest headline news and information. CUinsight.com is not a competitor with other websites, news publications or organizations. It is a partner and a launching pad for them.

D+H

Credit Union Journal

D+H is a leading provider of secure and reliable technology solutions to North American financial institutions and is focused on helping clients grow, compete, and optimize their business. Ranked 35th on the 2012 FinTech 100, D+H’s diverse and growing portfolio includes banking technology solutions, lending administration solutions and payments solutions including cheque and value-added membership marketing programs.

One State Street Plaza, 27th Floor New York, NY 10004 USA Phone: 888-832-2929 www.cujournal.com Credit Union Journal focuses on providing grotwth-oriented credit unions with strategies for improving all aspects of their operations and better serving members. In addition, Credit Union Journal provides its audience of credit union senior management with thoughtprovoking opinion and analysis, breaking news and more all in a tight, concise format.

Credit Union Times

33-41 Newark Street, 2nd Floor Hoboken, NJ 07030 USA Phone: 201-526-1230 www.cutimes.com Credit Union Times has set the standard for editorial excellence in the credit union movement. Our ethical and straight-forward editorial strategy makes us the most highly regarded weekly news source for decision makers. CUTimes.com, our e-Newsletters, web seminars and lead generation programs build trusted service relationships for credit union decision makers. Credit Union Times – Trusted News for Credit Union Leaders.

CUETS Financial

2055 Albert Street Regina, SK S4P 3G8 Canada Phone: 306-566-8733 www.cuets.ca CUETS Financial, a division of The Toronto-Dominion Bank, is committed to enhancing the competitive capabilities of its credit union partners. More than a credit card issuer, CUETS offers an array of payment products, rewards programs, sales and marketing tools and an integrated service delivery platform.

CUMIS Group Limited

151 North Service Road Burlington, ON L7R 4C2 Canada Phone: 800-263-9120 www.cumis.com The CUMIS Group Limited (CUMIS) creates financial security for Canadians and promotes the growth and success of credit unions and caisses populaires throughout Canada. By partnering with CUMIS,

TM

939 Eglinton Avenue East, Suite 201 Toronto, ON M4G 4H7 Canada Phone: 416-696-7702 www.dhltd.com

Deloitte LLP

181 Bay Street, Suite 1400 Toronto, ON M5J 2V1 Canada Phone: 416-601-6150 www.deloitte.com Deloitte is the brand under which tens of thousands of dedicated professionals in independent firms throughout the world collaborate to provide audit, consulting, financial advisory, risk management and tax services to selected clients. Deloitte is Canada’s leading professional services firm, known for our leadership, innovation and integrity.

Enterprise Magazine

Central 1 Credit Union 1441 Creekside Drive Vancouver, BC, V6J 4S7 Canada Phone: 800-661-6813 www.central1.com/marketing-creative-services#enterprise-magazine The Voice of Canadian Credit Unions

Central 1 is the central financial facility and trade association for the British Columbia and Ontario credit union systems. Central 1 represents a full-service retail financial system that serves 3 million members, holds C $86.2 billion in assets and is owned by 44 member credit unions in B.C. and 99 in Ontario.

Fern Computer Services Ltd. Hawthorn Office Park 35 Stockmans Way Belfast BT9 7ET United Kingdom Phone: +44 28 9068 2888 www.fernsoftware.com

Established in 1979, Fern Software has 32 years of experience in supplying credit union systems and now has clients in more than 40 different countries.

Abacus CU is the best fully integrated front- and back-office system with optional modules to give credit union members a wider range of services.

57

Fiserv

255 Fiserv Drive Brookfield, WI 53045 USA Phone: 800-872-7882 www.fiserv.com Fiserv (NASDAQ: FISV) is a leading global provider of information management and electronic commerce systems for the financial services industry. Fiserv provides integrated technology and services that create value for clients. Ranked No. 1 on the FinTech 100 international listing of top technology providers to the financial services industry for six of the last nine years, Fiserv drives innovation that transforms experiences for more than 16,000 clients worldwide, including banks, credit unions and thrifts, billers, mortgage lenders and leasing companies, brokerage and investment firms and other business clients.

MNP LLP

119 - 4th Avenue South, Suite 800 Saskatoon, SK S7K 5X2 Canada Phone: 306-664-8327 www.mnp.ca MNP and credit unions both share commitment to the communities in which members live and work. MNP works with more than 135 credit unions across Canada, providing business advice from a local perspective and delivering the expertise credit unions need to grow and prosper.

National Credit Union Foundation 5710 Mineral Point Road Madison, WI 53705 USA Phone: 608-231-4374 www.ncuf.coop

The National Credit Union Foundation is the U.S. credit union movement’s primary national philanthropic program provider, fundraiser and grant-maker, working to help consumers achieve financial freedom through credit unions.

PSCU Financial Services 560 Carillon Parkway St. Petersberg, FL 33716 USA Phone: 800-443-7728 www.pscu.com

PSCU supports more than 1,500 financial institutions with a complete range of credit, debit, ATM, prepaid and eCommerce solutions backed by strategic consulting and four 24/7 member service contact centers. Our business model combines relationship building with collaboration and innovation to help our clients grow and prosper.

Temenos

71 Fenchurch Street (5th Floor) London EC3M 4TD, United Kingdom Phone: +44 (0) 20 7423 3700 www.temenos.com Temenos is the market leading provider of banking software systems to retail, corporate, universal, private, Islamic, microfinance and community banks, wealth managers and financial institutions. Headquartered in Geneva with more than 55 offices worldwide, Temenos is proven in over 1,500 customer deployments in more than 125 countries across the world.

Conference Exhibitors In Co-operation With Credit Union Central of Canada 151 Yonge Street, Suite 1000 Toronto, ON M5C 2W7 Canada Phone: 416-232-1262 www.cucentral.ca

As the national trade association for Canada’s credit union system, Credit Union Central of Canada (Canadian Central) provides: 1) a national forum enabling credit unions to work together through consultation and consensus-building, research and conferences, task forces and committees; 2) a national voice for the system, exercising advocacy to promote credit union interests to the federal government, to other regulatory and industry bodies and to the media; and 3) facilitation of national services that bring efficiencies and cost savings to the credit union system. Canadian Central represents five provincial/ regional centrals and one federation representing 339 credit unions with more than C$154.2 billion in assets and serving 5.3 million members, outside of Quebec. Canadian Central was incorporated in 1953 by a special act of Parliament and this year celebrates 60 years of supporting Canada’s credit unions.

Premier Sponsor MasterCard Worldwide 2000 Purchase Street Purchase, NY 10577 USA Phone: 914-249-2000 www.mastercard.com

MasterCard is a global payments and technology company that operates the world’s fastest payments processing network in more than 210 countries and territories. MasterCard Advisors is the professional services arm of MasterCard Worldwide and provides payments consulting, information, analytics and customized services to financial institutions and their merchant partners worldwide. Addressing complex challenges in strategy, marketing, risk, and operations, MasterCard Advisors helps clients maximize the value of their payments businesses. For more information, go to www.mastercardadvisors.com.

And follow us on Twitter @MasterCardNews, join the discussion on the Cashless Conversations Blog and subscribe for the latest news.

1st Financial Building Corp.

25 Young Street East Waterloo, ON N2J 2L4 Canada Phone: 519-747-1504 www.1stfinancialbuilding.com

For nearly 25 years, 1st Financial Building Corp. has established a reputation for delivering creative solutions to credit unions. A best-inclass provider of strategic results through our design and build, retail programs, and digital signage services, 1st Financial is an industry leader in the development of credit unions and their adaptation to everchanging member behavior.

About Business Crime Solutions PO Box 427 Merrickville, ON K0G 1N0 Canada Phone: 613-269-3447 www.moneylaundering.ca

About Business Crime Solutions (ABCsolutions) was established to assist Canadian individuals and organizations in meeting the challenge of developing and maintaining an effective anti-money laundering compliance program as mandated under Canada’s Proceeds of Crime (Money Laundering) and Terrorist Financing Act.

58

Ottawa World Credit Union Conference

20 13

Exhibitor Listings

Visit Our Exhibitors in the Following Locations Level 2 Foyer

Level 3 Foyer

About Business Crime Solutions Celero Constellation Financing Systems CO-OP Financial Services Diebold ENTURA™ Ernst & Young MasterCard Worldwide Qtrade ScreenScape Networks thirdstream, inc.

D+H 1st Financial Building Corp.

Contact Innovations Inc. CUES CUMIS Group Limited Decisioning Solutions Inc. Deloitte LLP Desjardins Group Environics Analytics Everlink Payment Services Inc. FCT Fern Computer Services Ltd. FileOptics International Pty. Ltd. G4S Canada Ltd. KOSMIKS National Credit Union Foundation PRA Group Signature Group of Companies SOFT4 Tuff Risk Management Inc. ViClarity

101753.Brochure:Layout 1 10/4/10 9:33 AM Page 1

Canada Hall 3 Credential Financial Credit Union Central of Canada Credit Union National Association CU Technical & Administrative Services Corp. (CUTASC) CUETS Financial CUSOURCE Credit Union Knowledge Network Datacard Group Equifax Canada Co. Fiserv Harvest Investments International Summit of Cooperatives Neocog Technologies Inc. Prosper Business Solutions Smart Solution Softworks Solutions 4 Strategy Strategic Information Technology Ltd. Temenos Threshold Financial Technologies, Inc. Weber Marketing Group Western Union Business Solutions payment cards.of Credit partnership World Council Unions

AAmembers. community. growth. innovation. credit. support. service. training. marketing. reporting. revenue. incentive. online tools technology. campaigns. members. community. growth. innovation. credit. paym cards. partnerships. support. service. training. marketing. reporting. revenue. in technology. campaigns. members. community. growth. innovation. credit. paym cards. partnerships. support. service. training. marketing. reporting. revenue. in online tools. rewards. technology. campaigns. members. community. growth. in credit. payment cards. partnerships. support. service. training. marketing. repor revenue. incentive. online tools. rewards. technology. campaigns. members. co growth. innovation. credit. payment cards. partnerships. support. service. traini marketing. reporting. revenue. incentive. online tools. rewards. technology. cam members. community. growth. innovation. credit. payment cards. partnerships. service. training. marketing. reporting. revenue. incentive. online tools. rewards technology. mpaigns. members. community. growth. innovation. credit. paymen partnerships. support. service. training. marketing. reporting. revenue. incentive tools. rewards. technology. campaigns. members. community. growth. innovatio payment cards. partnerships. support. service. training. marketing. reporting. re ncentive. online tools. rewards. technology. campaigns. members. community. nnovation. credit. payment cards. partnerships. support. service. training. mark reporting. revenue. incentive. online tools. rewards. technology. campaigns. me community. growth. innovation. credit. payment cards. partnerships. support. se

Staying Connected

59

Celero

Credential Financial

Celero provides an unmatched combination of information technology (IT) reliability, service and simplicity for credit unions and other financial institutions in Canada. A full-service IT shop, Celero provides complete banking solutions, IT planning, systems integration, hosting, support, maintenance and professional services to meet the diverse needs of financial institutions of all sizes.

Credential Financial is a national wealth management firm, with more than 20 years of experience in the Canadian financial services industry, offering a full suite of products and services to more than 225 organizations and more than 1,300 advisors. Credential and its member companies Credential Asset Management, Credential Securities, Credential Direct, and Credential Insurance Services, provide MFDA and IIROC dealer services, online brokerage, and insurance solutions to credit unions and independent financial institutions across Canada.

350 North 8500 Macleod Trail SE Calgary, AB T2H 2N1 Canada Phone: 403-692-2728 www.celero.ca

Constellation Financing Systems 690 Dorval Drive, Stuite 405 Oakville, ON L6K 3W7 Canada Phone: 859-638-0747 www.constellationfs.com

Constellation Financing Systems provides in-depth finance software solutions; EDGE, a front end lease/loan origination system; ASSET, a back office lease/loan accounting and management software; and COVARITY, a portfolio monitoring, analysis and reporting software, to credit unions, banks, leasing companies and financial institutions.

Contact Innovations Inc. 5000 Yonge Street, Suite 1901 Toronto, ON M2N 7E9 Canada Phone: 416-784-5191 www.contactinnovations.com

Contact Innovations Inc. has developed industry-leading check imaging and e-document management solutions. Our features-rich applications have been installed by many North American financial institutions, government and utility offices, non-profit organizations and business A/R & A/P departments.

CO-OP Financial Services

9692 Haven Avenue Rancho Cucamonga, CA 91730 USA Phone: 800-782-9042 www.co-opfs.org Based in Rancho Cucamonga, Calif., and founded in 1981, CO-OP Financial Services is the industry leader in access and convenience products for credit unions. CO-OP connects credit union members to their accounts through network, payment processing, e-commerce, shared branching and call center services. With more than 3,500 credit union members, 30 million cardholders, 30,000 surcharge-free ATMs, 4,600 shared branching locations and 2,200 Vcom® kiosks and more than two billion annual transactions, CO-OP Financial Services offers the tools, counsel and leadership to help credit unions prosper.

120 Adelaide Street West, #801 Toronto, ON M5H 1T1 Canada Phone: 647-317-5720 www.credential.com

Credit Union National Association (CUNA) P.O. Box 431 Madison, WI 53701-0431 USA Phone: 608-231-4000 www.cuna.org

Credit Union National Association (CUNA) is the premier national trade association serving America’s credit unions. With a network of affiliated state credit union leagues, CUNA serves 90 percent of America’s 7,200 credit unions, which are owned by nearly 96 million consumer members.

Follow @CUNAverse on Twitter.

CUES

5510 Research Park Madison, WI 53711 USA Phone: 608-288-5344 www.cues.org CUES® is an international membership association dedicated to the education and development of credit union CEOs, directors and future leaders. Our offerings – from highly acclaimed institutes to an array of online services and progressive strategic solutions – are the premier professional development programs in the credit union industry today.

CUETS Financial

2055 Albert Street Regina, SK S4P 3G8 Canada Phone: 306-566-8733 www.cuets.ca CUETS Financial, a division of The Toronto-Dominion Bank, is committed to enhancing the competitive capabilities of its credit union partners.

More than a credit card issuer, CUETS offers an array of payment products, rewards programs, sales and marketing tools and an integrated service delivery platform.

BUILDING A GLOBAL COMMUNITY BY CREATING PARTNERSHIPS World Council’s International Partnerships Program unites credit union movements to exchange ideas, best practices and technical expertise. The program builds stronger institutional capacity that benefits credit union members while demonstrating cooperative ideals.

The Texas Credit Union League (USA) and SICREDI (Brazil) have partnered since July 2010. Texas credit unions learn about SICREDI’s economies of scale through their single-brand approach, while Brazilian credit unions in the SICREDI network learn about operations, marketing and member services from their Texan counterparts.

FOR MORE INFORMATION: www.woccu.org/partnerships

CUMIS Group Limited

Decisioning Solutions Inc.

The CUMIS Group Limited (CUMIS) creates financial security for Canadians and promotes the growth and success of credit unions and caisses populaires throughout Canada. By partnering with CUMIS, credit unions can offer members insurance and insurance-based wealth management solutions. CUMIS is owned by Co-operators Life Insurance Company and Central 1 Credit Union.

Decisioning Solutions Inc. provides organizations with industry-leading state-of-the-art customer decisioning, workflow management and ancillary solutions for use throughout the customer lifecycle to clients in many industries around the world. The solutions are 100% customer-administered and configured without IT or vendor. Decisioning Solutions offers application processing systems, decision retrieval tools, data mining/reporting tools, fraud detection and prevention systems and predictive modeling solutions to empower the decision-making process from pre-acquisition to retention.

151 North Service Road Burlington, ON L7R 4C2 Canada Phone: 800-263-9120 www.cumis.com

2 Bloor Street East, Suite 3501 Toronto, ON M4W 1A8 Canada Phone: 416-840-1470 www.decisioningsolutions.com

CUSOURCE Credit Union Knowledge Network 151 Yonge Street, Suite 1000 Toronto, ON M5C 2W7 Canada Phone: 416-232-1262 www.cusource.ca

Deloitte LLP

CUSOURCE Credit Union Knowledge Network (CUSOURCE Knowledge Network) is a not-for-profit, wholly owned subsidiary of Credit Union Central of Canada. Built by and for credit unions, CUSOURCE Knowledge Network provides learning solutions to the Canadian credit union system. It also offers professional accreditation and designation programs for directors and employees through the Credit Union Institute of Canada.

CU Technical & Administrative Services Corp.(CUTASC) #2, 2204 South Island Highway Campbell River, BC V9W 1C3 Canada Phone: 250-923-3953 www.cutasc.com

Deloitte is the brand under which tens of thousands of dedicated professionals in independent firms throughout the world collaborate to provide audit, consulting, financial advisory, risk management and tax services to selected clients. Deloitte is Canada’s leading professional services firm, known for our leadership, innovation and integrity.

Desjardins Group

214 Montreal Road, 3rd Floor Ottawa, ON K1L 8L8 Canada Phone: 514-237-9215 www.desjardins.com

CU Technical & Administrative Services Corp. (CUTASC) is a Vancouver based, credit union owned IT banking product and services organization working with the Canadian credit union and community banking sectors.

D+H

939 Eglinton Avenue East, Suite 201 Toronto, ON M4G 4H7 Canada Phone: 416-696-7702 www.dhltd.com

181 Bay Street, Suite 1400 Toronto, ON M5J 2V1 Canada Phone: 416-601-6150 www.deloitte.com

TM

D+H is a leading provider of secure and reliable technology solutions to North American financial institutions and is focused on helping clients grow, compete, and optimize their business. Ranked 35th on the 2012 FinTech 100, D+H’s diverse and growing portfolio includes banking technology solutions, lending administration solutions and payments solutions including cheque and value-added membership marketing programs.

Datacard Group

1 Damascus Drive Caledon, ON L7C 0A4 Canada Phone: 416-624-4714 www.datacard.com Datacard is the global market leader in both centralized and in branch/ instant card issuing hardware and software, with 90% of the world’s financial cards issued on Datacard platforms. Datacard solutions operate in 120 countries, personalizing more than 25 million cards every day.

Desjardins, the leading cooperative financial group in Canada, inspires trust around the world through the commitment of its people, its financial strength and its contribution to sustainable prosperity. With more than 46,000 employees across Canada, Desjardins Group comprises a network of financial service cooperatives-, caisses, credit unions and some 20 subsidiary companies, providing life and general insurance, securities brokerage, venture capital and asset management. Because of its cooperative nature, Desjardins Group works for the economic, and social well-being of our 5.6 million members, rather than the financial prosperity of a select few investors.

Diebold

6630 Campobello Road Mississauga, ON L6S 5L8 Canada Phone: 905-817-7600 www.diebold.com Diebold delivers the customized, integrated security and self-service solutions that enable financial institutions to improve efficiencies, protect assets and better serve customers. With our successful line of Opteva® ATMs, deposit automation, cash recycling and mobile banking, Diebold’s solutions portfolio is a global industry leader.

ENTURA™, a World Council Company 5710 Mineral Point Road Madison, WI 53705, USA Phone: 608-395-2000 www.ENTURA.net

ENTURA™ promotes financial inclusion by combining technology-based solutions with specialized outreach methodologies for credit unions. Owned and operated by WOCCU Services Group, a for-profit corporation wholly owned by World Council, the ENTURA™ network connects credit unions in Bolivia, Colombia, Ecuador, Kenya, Mexico, Peru, and the U.S. ENTURA™ has partnered with credit unions to create an additional 1000+ points of service and reach over 3.9 million members to date.

61

Environics Analytics

Fern Computer Services Ltd.

Environics Analytics is Canada’s premier marketing services and data analytics company. Specializing in segmentation, site modeling and custom analytics, the Toronto-based firm provides data-driven market insights to help its clients grow their business. Its team of veteran modelers and geographic experts are industry leaders in customer insights, sales forecasting, spending projections and site analysis.

Established in 1979, Fern Software has 32 years of experience in supplying credit union systems and now has clients in more than 40 different countries. Abacus CU is the best fully integrated front- and back-office system with optional modules to give credit union members a wider range of services.

55 York Street, 10th Floor Toronto, ON M5J 1R7 Canada Phone: 416-969-2733 www.environicsanalytics.ca

Hawthorn Office Park 35 Stockmans Way Belfast BT9 7ET United Kingdom Phone: +44 28 9068 2888 www.fernsoftware.com

Equifax Canada Co.

FileOptics International Pty. Ltd.

Equifax empowers businesses and consumers with information they can trust. A global leader in information solutions, we leverage one of the largest sources of consumer and commercial data, along with advanced analytics and proprietary technology, to create customized insights that enrich both the performance of businesses and the lives of consumers.

FileOptics provides an electronic document management software for the banking and finance industry, specializing in credit unions. The firm offers a fully integrated system that combines electronic document management combined with the power of Workflow, a program often used in loan origination processes. FileOptics’ open architecture offers well-documented interfaces to third party systems, including CRMs, HR and payroll systems, operational systems, internet banking portals and more. FileOptics sets the standard in providing a single integrated product architecture to support mission critical electronic content across your enterprise.

5650 Yonge Street, Suite 1300 Toronto, ON M2M 4G3 Canada Phone: 416-227-5356 www.equifax.com

Ernst & Young

Ernst & Young Tower 222 Bay Street Toronto, ON M5K 1J7 Canada Phone: 416-864-1234 www.ey.com Ernst & Young is a global leader in assurance, tax, transaction and advisory services. Worldwide our 167,000 people are united by our shared values and an unwavering commitment to quality. We make a difference by helping our people, our clients and our wider communities achieve their potential.

Everlink Payment Services Inc. 65 Allstate Parkway, Suite 100 Markham, ON L3R 9X1 Canada Phone: 866-388-0076 www.everlink.ca

Everlink Payment Services Inc. is a leading provider of payments solutions for credit unions, banks, and ISOs. We offer a diversified range of integrated payments lines of business including payment network gateway, ATM managed services, card issuance and management, fraud management, POS acquiring and professional services.

FCT

2235 Sheridan Garden Drive Oakville, ON L6J 7Y5 Canada Phone: 905-287-3129 www.fct.ca Founded in 1991, FCT is an Oakville, Ontario-based company with more than 800 employees across Canada. FCT provides industryleading title insurance, default solutions and other real-estate-related services to more than 300 lenders, 15,000 legal professionals and 5,000 recovery professionals, as well as real estate agents, mortgage brokers and builders nationwide.

62

PO Box 798 Spring Hill, Brisbane, QLD 4004 Australia Phone: +61 7 3839 5788 www.fileoptics.com

Fiserv

255 Fiserv Drive Brookfield, WI 53045 USA Phone: 800-872-7882 www.fiserv.com Fiserv (NASDAQ: FISV) is a leading global provider of information management and electronic commerce systems for the financial services industry. Fiserv provides integrated technology and services that create value for clients. Ranked No. 1 on the FinTech 100 international listing of top technology providers to the financial services industry for six of the last nine years, Fiserv drives innovation that transforms experiences for more than 16,000 clients worldwide, including banks, credit unions and thrifts, billers, mortgage lenders and leasing companies, brokerage and investment firms and other business clients.

G4S Canada Ltd.

150 Ferrand Drive, Suite 600 Toronto, ON M3C 3E5 Canada Phone: 647-678-5111 www.g4s.ca G4S Canada is a leading provider of security solutions, including risk assessment, cash and valued goods management, security personnel, technology and screening services. G4S employs thousands of Canadians in more than 90 offices coast to coast.

Harvest Investments

100 Tower Drive, Suite 211 Burr Ridge, IL 60527 USA Phone: 630-734-0301 www.harvestinvestments.com Harvest is a leader in ASC 820 securities’ valuations for financial reporting. We strengthen investor confidence and assist management with the increasing responsibilities regarding securities’ valuations by providing independent assessments of prices/values. Our reviews contain documentation compliant with industry guidelines, including levels, reasonableness, models and key inputs.

International Summit of Cooperatives www.intlsummit.coop

The International Summit of Cooperatives is a must-attend event for managers looking for solutions to promote the development and performance of their cooperatives so that they are better prepared to meet the economic and financial challenges they are facing. The Summit will be held from October 6 – 9, 2014.

KOSMIKS

6557A Mississauga Road Mississauga, ON L5N 1A6 Canada Phone: 905-567-3500 www.kosmiks.com KOSMIKS is a fun and engaging online game that focuses on financial literacy, and is a great way to invest in your younger members and help create a financially literate generation. KOSMIKS includes a customized look and feel by incorporating your branch’s logo.

National Credit Union Foundation 5710 Mineral Point Road Madison, WI 53705 USA Phone: 608-231-4374 www.ncuf.coop

The National Credit Union Foundation is the U.S. credit union movement’s primary national philanthropic program provider, fundraiser and grant-maker, working to help consumers achieve financial freedom through credit unions.

Neocog Technologies Inc. 127 Wychwood Place London, ON N6G 1S7 Canada Phone: 519-518-6468 www.neocog.com

Neocog Technologies delivers solutions designed to empower credit unions. Neocog’s Member1st suite of solutions ACE, Cognito and IntelliLender empower staff by giving them a robust 360-degree view of credit union members, the ability to quickly and efficiently process and make loan decisions and give management easy access to vital information for strategic decision making.

PRA Group

203 -6955 120th Street Delta, BC V4E 2A8 Canada Phone: 604-591-6440 www.pragroup.ca PRA Group is an organization of risk management professionals that provides assistance in the areas of internal audit, IT security, fraud detection and management, governance and regulatory compliance, and enterprise risk management.

Prosper Business Solutions PO Box 4250 Knox City, VIC 3152 Australia Phone: +61 3 9738 1176 www.prosper.com.au

Prosper CRM is a complete relationship management solution that provides the tools for complete member care to change the culture of an organization, and allow it to coach and monitor staff into becoming an effective sales force.

Qtrade Financial Group

Suite 1920, One Bentall Centre 505 Burrard Street, Box 85 Vancouver, BC V7X 1M6 Canada Phone: 604-605-4122 www.qtrade.ca Since 1999, Qtrade has been dedicated to providing its financial institution partners with a single source for market-leading wealth management products and services including: online, full-service and institutional brokerage services, mutual fund dealer services, insurance dealer services, portfolio management, discretionary money management services and proprietary managed money solutions. For more information, visit www.qtrade.ca.

ScreenScape Networks

2904 South Sheridan Way, Number 202 Oakville, ON L6J 7L7 Canada Phone: 416-708-1825 www.screenscape.com

®

ScreenScape provides a technology service that gives our customers the ability to easily create, control and distribute branded content on their products, services, events and community messages to digital display screens in their branches.

Signature Group of Companies 598 Falconbridge Road, Unit 15 Sudbury, ON P3A 5K6 Canada Phone: 705-688-1989 www.signatureinsurance.com

Over time, your image may evolve, but your signature remains the same. It’s unique to you, just as your brand image is your corporate signature in a challenging marketplace. The Signature Group provides an all-inclusive creative solution designed to add consistency, continuity and overall impact to your brand image and member marketing program.

Smart Solution

169 Edward Street Aurora, ON L4G 1W5 Canada Phone: 905-727-2565 ext 307 www.smart-solution.com Smart Solution has been providing world class data processing systems to financial institutions since 1985. Our Universal browser-based system software is a best-of-breed, integrated, enterprise data processing system, built upon the best capabilities of mature banking platforms and combined with industry-best practices and the latest technologies.

SOFT4 K. Donelaicio st. 62 LT-44248 Kaunas, Lithuania Phone: +370 682 55216 www.soft4.eu SOFT4 is a solution for small to mid-size credit unions that want to manage daily activities effectively and facilitate growth in assets. SOFT4 is a solution that is easy to master and work with. It provides credit unions with realtime data, integrated with financial accounting, document management and reporting tools.

Softworks

2 Robert Speck Parkway, 7th Floor Mississauga, ON L4Z 1H8 Canada Phone: 905-361-9821 www.softworks-workforce.com/ca Softworks Honour-based Timesheets, Time & Attendance and Flexible Working solutions help credit unions maintain compliance while managing employee expectations. Easy to use and quick to implement, Softworks Cloud and On-Premise solutions provide Employee Self Service and automate vacation, overtime, absence, expense and project tracking with event driven, actionable emails and alerts!

63

Solutions 4 Strategy

Tuff Risk Management Inc.

Empowering credit unions to evolve to the new standards of integrated reporting, helping to drive down costs, increase accuracy and deliver information quicker to decision makers.

Solutions 4Strategy provides an Enterprise Strategic Reporting system to automate and facilitate strategic planning, forecasting, compliance, regulation and strategic planning.

Tuff Risk offers full-service financial consulting and interactive banking software focused on maximizing financial margins. Full-service interest rate risk management consulting services safeguards earnings, whereas Tuff Risk’s financial analytics software, Tuff360, delivers what-if analyses and branch budgeting applications to member and product profitability.

Suite 18, 12 Tryon Road Lindfield, NSW 2070 Australia Phone: +61 1300 320 486 www.solutions4strategy.com

Strategic Information Technology Ltd.

37 Sandiford Drive, Suite 300 Stouffville, ON L4A 7X5 Canada Phone: 905-640-0808 www.stratinfotech.com Strategic Information Technology’s (SIT’s) flagship product, Portfolio Plus, is a credit union software platform used across Canada and in Central America, the Caribbean, Ireland and the United Kingdom. The integrated system is designed for use by small and large institutions alike. Portfolio Plus allows credit unions to offer their members loans, mortgages, lines of credit, term deposits, investments, personalized web banking and much more.

Temenos

71 Fenchurch Street (5th Floor) London EC3M 4TD, United Kingdom Phone: +44 (0) 20 7423 3700 www.temenos.com Temenos is the market leading provider of banking software systems to retail, corporate, universal, private, Islamic, microfinance and community banks, wealth managers and financial institutions.

Headquartered in Geneva with more than 55 offices worldwide, Temenos is proven in over 1,500 customer deployments in more than 125 countries across the world.

thirdstream, inc.

2814 - 14 Street SW Calgary, AB T2T 3V4 Canada Phone: 403-201-1911 www.tuffrisk.com

ViClarity

Tom Crean Centre Kerry Technology Park Tralee, Co. Kerry Ireland Phone: +353 87 7787606 www.viclarity.com ViClarity is a specialist provider of advanced governance, risk and compliance audit control systems. It automatically tracks controls and strategic performance and delivers visibility to the board. With one-click quarterly review and board reporting and user friendly system control, it is the most effective tool of its kind on the market.

Weber Marketing Group

225 Terry Avenue North, Suite 400 Seattle, WA 98109 USA Phone: 206-340-6111 www.webermarketing.com Weber Marketing Group is a strategic branding and marketing consulting agency focused on the financial industry across North America. The agency specializes in helping clients solve competitive growth challenges with breakthrough, innovative brands, names, retail environments and multimedia design. Weber Marketing Group’s experienced team of highlyskilled marketing professionals has created hundreds of award-winning brands and thousands of branch environments.

Western Union Business Solutions

350 18 Street South Lethbridge, AB T1J 4Y6 Canada Phone: 403-381-1360 www.thirdstream.ca

250 Howe Street, Suite 1600 Pricewaterhouse Coopers Place Vancouver, BC V6C 3R8 Canada Phone: 202-280-8381 www.business.westernunion.com

thirdstream, inc. is a credit union marketing agency led by a team of brilliant artists, writers and strategists that blend art with science to make credit unions shine. Our personification method fuses the goals of a credit union with the needs of its members and guides our team in everything from branding and social marketing to web properties and full-on credit union marketing plans.

Western Union Business Solutions is the world’s largest foreign exchange specialist and nonbank provider of international payments. We deliver effective, efficient solutions to thousands of clients. The company’s range of solutions allow credit unions to answer their demand for international services and grow their non-interest income streams without taking anything away from vital core activities.

Threshold Financial Technologies, Inc.

World Council of Credit Unions

Threshold Financial Technologies, Inc. is a full-service integrated solution provider of comprehensive and innovative payments processing and ATM-managed services solutions to Canadian financial institutions and retailers, operating more than 3,500 ATMs nationwide. Threshold’s economies of scale, commitment to service and state-of-the-art technology allow credit unions to access world class systems and deliver effective, fully compliant solutions without the individual investment costs.

World Council is the global trade association and development agency for credit unions that promote the sustainable development of credit unions and other financial cooperatives worldwide to empower people through access to high quality and affordable financial services. World Council advocates on behalf of the global credit union system before international organizations and works with national governments to improve legislation and regulation. Its technical assistance programs introduce new tools and technologies to strengthen credit unions’ financial performance and increase their outreach. Worldwide, 51,000 credit unions in 100 countries serve more than 196 million people.

3269 American Drive Mississauga, ON L4V 1V4 Canada Phone: 905-461-2930 www.threshold-fti.com

64

5710 Mineral Point Road Madison, WI 53705 USA Phone: 608-395-2000 www.woccu.org

nion U t i d e r C hings T l l A r o F The Place

• News • Press • Events • Jobs • Media nity • Commu • Blogs

eh?

w what is Let us kno t your ga happenin ssociation. ion or A Credit Un L e A s e s: Press re ht.com Insig press@CU e v e n Ts: om UInsight.c C @ s t n e v e s: rTUnITIe O P P O r C Aree sight.com jobs@CUIn

m o c . t h g i s n I U C . w w w 65

Serving your memberS & increaSing profitability — cu Direct SolutionS bring it home AUTO LOANS

I.D. THEFT PROTECTION

boost your auto lending success with customizable solutions and a network of 9,000+ dealers.

NEW! generate additional income while protecting your members.

cu Direct delivers proven solutions that boost loans, revenue and member retention, including: the industry’s largest indirect auto lending program member auto-buying resources, featuring our new customizable mobile app retail financing & lifestyle loans placing your cu where members need you most

RETAIL FINANCING

NEW! Diversify and increase your loan portfolio by being where your members shop.

non-interest income through exclusive & innovative i.D. theft services Find out how other credit unions have increased their lending successes. Visit cudirect.com/cusuccess to view case studies and whitepapers — or to request a demo.

AUTO BUYING

increase member loyalty and loans with branded auto buying programs and mobile apps.

LIFESTYLE LOANS NEW! help your members get loans for life’s needs and wants.

cudirect.com/cusuccess | 877-744-2835

CHAMPIONING CREDIT UNIONS THROUGH INTERNATIONAL ADVOCACY World Council actively monitors and par ticipates in the policy development of many global standard-setting bodies to ensure credit union interests are represented while international standards are formed. World Council currently advocates on behalf of credit union interests, such as capital requirements, anti-money laundering and countering the financing of terrorism measures and the Foreign Account Tax Compliance Act (FATCA), before the Basel Committee on Banking Supervision, Financial Action Task Force, Group of Twenty (G20), International Accounting Standards Board and U.S. Internal Revenue Service.

FOR MORE INFORMATION: www.woccu.org/policyadvocacy

Ottawa World Credit Union Conference

20 13

Maps

67

Ottawa World Credit Union Conference

20 13

Maps Ottawa Convention Centre / Level 1

Ottawa Convention Centre / Level 2

68

Ottawa Convention Centre / Level 3

GLOBAL WOMEN’S LEADERSHIP NETWORK MAKES LOCAL IMPACT Over the last 12 months, Sister Societies have been popping up throughout the world. Sister Societies bring together local Global Women’s Leadership Network members to provide sustained local impact as well as international credit union connections to advance women in leadership. See if there is a Sister Society in your area or star t one today. Get connected!

FOR MORE INFORMATION: Connect. Inspire. Empower. www.cuwomen.org

69

Abacus CU

Integrated solutions for all Abacus CU your credit union needs DESIGNED BY USERS – FOR USERS The functionality in Abacus CU, is based on feedback from our users and is accumulated from one

implementation to another.

Thanks to our great users, Abacus is now a robust, integrated banking system, rated by independent professionals as the best available.

GETTTING IT TOGETHER Fern has worked very hard with its users to design and deliver a totally integrated solution that avoids the problems you may have in trying to manage incompatible systems from different suppliers.

The integrated General Ledger is updated from Teller / Batch postings and journal entries, so now you can simply print / email your Income Statement, Balance Sheet and Regulatory Reports from within Abacus.

The growing family of users has helped Fern build this worldbeating software which users may completely customise their system to suit their specific needs — without any additional programming.

This means that you get a highly functional system that follows best practice – based on international accounting standards

www.fernsoftware.com

The one-click Advanced Credit Management is integrated with the Credit Controller calendar and works directly with individual borrowers to record and store all actions, phone calls, SMS messages, correspondence and reviews for easy access and instant retrieval.

The built-in Scanning also allows storage and retrieval of scanned correspondence / agreements at any terminal.

The suite of Reports provided allows users to produce ad hoc and routine analysis to suit their needs. The powerful built-in Report Writer supplements this flexibility putting you, the user, in control.

World Credit Union Conference Hotel Map

Catherine

Cumberland George

Rideau

s Walle r hola

Laurier

Nic

Lord Elgin

Gladstone McLeod

Byward Market

Les Suites Westin Novotel Daly Ottawa Convention Centre

National Arts Centre

Elgin

Somerset

Bank

Lyon

Bay

Laurier

O'Connor

Slater

Kent

Albert

York

Besserer

Metcalfe

Ottawa Marriott

Clarence

Ch창teau Laurier

Wellington Sparks

Dalhousie

enzie MacK ssex Su

Po Br r ta idg ge e

Supreme Court of Canada

Murray

nal u Ca a e id R y nel B Colo

La ur ie r

ne uv e

St Patrick

Parliament Hill

Queen

National Gallery of Canada

of Civilization

M

ai so n

dr aB rid ge Canadian Museum

King Edward

Royal Canadian Mint

Ale xa n

Canadian Museum of Nature

Queensway (Hwy 417)

Ottawa Convention Centre 55 Colonel By Drive Ottawa, Ontario K1N 9J2

The Novotel Ottawa 33 Nicholas Street Ottawa, Ontario K1N 9M7

Fairmont Ch창teau Laurier 1 Rideau Street Ottawa, Ontario K1N 8S7

Westin Ottawa 11 Colonel By Drive Ottawa, Ontario K1N 9H4

Les Suites Ottawa 130 Besserer Street Ottawa, Ontario K1N 9M9

The Lord Elgin 100 Elgin Street Ottawa, Ontario K1P 5K8

Ottawa Marriott Hotel 100 Kent Street Ottawa, Ontario K1P 5R7

71

Golden Opportunities Await July 27-30, 2014!

From its spectacular coastline, pristine tropical rainforest and an exciting city center – you’ll experience the very best Australia has to offer at the 2014 World Credit Union Conference in Gold Coast, Australia.

Join World Council of Credit Unions and Abacus – Australian Mutuals thought-provoking educational content, first-rate speakers and outstanding networking opportunities with credit union leaders from around the globe.

Mark your calendars now and join us for an unforgettable experience Down Under!

Co-Host:

72

Abacus – Australian Mutuals

www.GoldCoast2014.org