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Researched & Developed by:

22 & 23 March 2016

Novotel Sydney Central, NSW

TACKLING EMERGING REGULATION CHANGES IN

A COMPETITIVE CREDIT LENDING ENVIRONMENT
EXPERT SPEAKERS INCLUDE:

Reasons to attend
this conference:

INTERNATIONAL GUEST SPEAKERS

Kevin Moss
Former Chief Risk Officer,
Consumer Lending Group,
Wells Fargo

Olivier Debliquy
Head Stress Test
Modelling,
ANZ

Jack De Leeuw
Head of Risk
Measurement,
NAB

Sue Lloyd
Board Member,
IASB

Paul Taylor
Head of Group Portfolio
Management & Policy,
Bank Of Queensland

Fully complying with CPS 220, RG 209,

IFRS 9, Basel 4, CCR, and NCCP while
remaining competitive
Techniques for successful data management
and stress testing to minimise risk and
strengthen your credit portfolio
Understanding your customer to ensure
responsible lending
Forecasting the direction of the housing
market and how it will impact your credit
lending policies
Working with senior management to
develop an effective risk appetite and
maximise business performance

Credit Risk Management

2016 will deliver:
Michael Blacker
Chief Risk Officer,
Police Bank Ltd

Pieter Bierkens
Regulatory Strategist,
Commonwealth
Bank

Bart Hellemans
Chief Risk Officer,
ING Bank

Damian Paull
CEO, Australasia
Retail Credit
Association
(ARCA)

Jason West
Executive Manager,
Risk Analytics,
Suncorp

Neil Kenzler
Chief Risk Officer,
Teachers Mutual
Bank

Peter Urmoneit
Head of Market Risk
& Liquidity Oversight,
Bendigo & Adelaide
Bank

Case Studies and best practice examples

from Australias leading credit risk
professionals from ANZ, NAB, CBA, Bendigo
Bank, Bank of Queensland and more..
Expert led discussion panels &
solution clinics on CPS 220, Stress
Testing, CCR and Basel 4
Countless networking opportunities
including speed networking, discussion
tables, networking breaks, lunches and
a cocktail evening

Campbell Nicoll
Chief Risk Officer,
The Community
Mutual Group

Interactive discussions to help

you work through the most pressing
challenges around regulations, new risk
models, and develop key strategies that
you can implement back on the job
Sponsors:

Media Partner:

Patrick Ashkettle
Chief Risk Officer,
Bank Australia

T: +61 2 9229 1000 F: +61 2 9223 2622 registration@iqpc.com.au www.creditriskmanagement.com.au

WELCOME
Dear Colleague,
Changing interest rates and a competitive lending
market have prompted the Australian Prudential
Regulation Authority (APRA), and Australian
Securities and Investments Commission (ASIC)
to significantly tighten rules around credit risk.
Key focuses on restrictions include re-evaluating
capital holding, and implementing risk strategies to
ensure responsible lending. To be compliant with
the regulatory changes, while remaining profitable,
requires a step change in the future of credit risk
management.
With this in mind, Finance IQ Credit Risk
Management 2016 will address current and
upcoming regulations, best practices for credit
risk management frameworks, credit portfolio
management tools including stress testing,
forecasting economic trends, credit data
management, and balancing the consumer
relationship with regulatory requirements.

WHO WILL YOU MEET AT

CREDIT RISK MANAGEMENT?
Head/Director/Manager of:
Chief Risk Officers
Credit Risk Officers
Head of Credit

THE EXPERT SPEAKER PANEL:

Olivier Debliquy
Head, Stress Test
Modelling, ANZ

Jack De Leeuw
Head of Risk
Measurement, NAB

Sue Lloyd
Board Member,
IASB

Neil Kenzler
Chief Risk Officer,
Teachers Mutual Bank

Kevin Moss
Former Chief Risk Officer,
Consumer Lending Group,
Wells Fargo

Based on these developments and extensive

industry research, Finance IQ Australia has focused
our programme on the following key challenges:

Paul Taylor
Head of Group Portfolio
Management & Policy,
Bank Of Queensland

Understanding and complying with emerging

regulations while remaining competitive (CPS
220, RG 209, IFRS 9, Basel 4, CCR, NCCP)
Addressing tools and techniques for minimising
risk and strengthening your credit portfolio
(stress testing, technology, data management)
Understanding your customer to ensure
responsible lending
Forecasting the direction of the housing market
and how it will impact your credit lending policies
Developing an effective risk appetite with
your board members to maximise business
performance

Damian Paull
CEO, Australian Retail
Credit Association
(ARCA)

This conference will address current and

upcoming regulations, best practices for credit
risk management frameworks, credit portfolio
management, forecasting economic trends, credit
data management, risk culture, stress testing, and
balancing the consumer relationship. All this will
be presented by national and international leading
credit risk experts and you will take away key
strategies for successful credit management.

Senior Risk Analysts

Credit Risk Analysts
Head of Portfolio & Insight

Bart Hellemans
Chief Risk Officer,
ING Bank
Basil Foulkes
Chief Risk Officer,
AMP Bank
Michael Blacker
Chief Risk Officer,
Police Bank Ltd
Pieter Bierkens
Regulatory Strategist,
Commonwealth Bank
Campbell Nicoll
Chief Risk Officer,
The Community
Mutual Group

Chris Irwin
Head of Retail Credit
Risk Strategy,
Scorecards & Policy, Bank
of Queensland
Richard Crawley-Boevey
Senior Specialist
Quantitative Credit Risk,
Bendigo &
Adelaide Bank
Varun Nakra
Senior Credit Risk Analyst,
NAB
Andrew Patterson
Head of Credit
Pepper
Stefan Trueck
Professor,
Macquarie University
Matt Gijselman
Head of Government,
Regulatory & Industry
Affairs, Australian Retail
Credit Association
(ARCA)
Poli Konstantinidis
Chief Operating Officer
Consumer Risk,
Latitude Financial
Services

I look forward to seeing you next March in Sydney.

Marie-Lise Theys
Head of Credit Risk, Credit
Union Australia Limited

Kind regards,
Sophia Harris
Conference Producer

Patrick Ashkettle
Chief Risk Officer,
Bank Australia

Peter Urmoneit
Head of Market Risk
& Liquidity Oversight,
Bendigo &
Adelaide Bank

Jason West
Executive Manager,
Risk Analytics, Suncorp

James Haviland
General Manager, Strategic
Risk Program, ME Bank

T: +61 2 9229 1000 F: +61 2 9223 2622 registration@iqpc.com.au www.creditriskmanagement.com.au

CONFERENCE DAY ONE

Tuesday, 22 March 2016

Conference Registration and Arrival Coffee

9:00 
Opening Remarks by IQPC Australia and the
Conference Chair
9:10 
International Keynote Address from IASB Board
Member Sue Lloyd
The International Accounting Standards Board (IASB)
published IFRS 9 Financial Instruments in July 2014.
IFRS 9 is mandatory from 2018 with early application
permitted. IFRS 9 fundamentally overhauls the
accounting for financial instruments. Amongst other
things it introduces a new model for the classification
and measurement of financial assets, introduces new
hedge accounting requirements that are more closely
aligned with risk management and most significantly
introduces a new more forward looking expected credit
loss impairment model. By joining this session you will:

Gain an understanding of the new expected credit loss
model in IFRS 9 from an international perspective

Hear about the background to this fundamental change
in accounting

Understand the extent of the systems changes required
to implement the model

Hear about the information that is expected to be
provided about credit risk and expected credit losses
for users of the financial statements

Understand the interaction between the IASB and
prudential regulators in the application of the new
expected credit loss model

11:30 MORNING TEA AND NETWORKING BREAK

12:00 
Addressing Changes in Comprehensive Credit
Reporting To Comply With RG 209 And Enable
Responsible Lending
With ASICs requirements around comprehensive credit
reporting, credit lenders are to make full use of credit
bureaus to ensure accurate credit risk assessments, and
better judgments on the consumer, while complying with
new legislations to RG 209. This requires assessment
and implementation of new and existing risk models.
Join this interesting discussion to explore comprehensive
credit reporting and how it influences a step change into
the future of credit lending.

Discussing how the credit bureaus work in the lending
industry and how they can benefit your credit lending

Exploring the movement into positive credit reporting
and how this will strengthen your risk analysis and
refine your lending criteria

Debating on how data sharing across lenders will
influence an already competitive market

Addressing key tools and strategies to perform
comprehensive credit reporting
PANEL SESSION

8:30

Moderator:

Marie-Lise Theys, Head of Credit Risk,

Credit Union Australia Limited
Panelists:

Kevin Moss, Former Chief Risk Officer, Consumer
Lending Group, Wells Fargo

Sue Lloyd, Board Member,IASB

KEYNOTE

9:50 
Addressing Capital Requirements Through
Increasing Equity In a Competitive Environment
The Australian Prudential Regulation Authority (APRA)
have announced an increase in the amount of capital
required for Australian residential mortgage exposures by
authorised deposit-taking institutions (ADIs) accredited
to use the internal ratings-based (IRB) approach to
credit risk. By joining this session you will gain an
understanding of the capital requirements and how they
will impact your risk strategies.

Addressing the uncertainty on how much capital is
required to hold

Analysing capital flooring and the implications it poses

Establishing how the changes will impact mortgages
lenders and tier 2 banks

Addressing the spiral effect in a competitive environment

Peter Urmoneit, Head of Market Risk & Liquidity
Oversight, Bendigo & Adelaide Bank
10:30

Andrew Patterson, Head of Credit, Pepper

Damian Paull, CEO,

Australasia Retail Credit Association (ARCA)

12:40 
How to Develop An Effective Risk Appetite With Your
Board Members to Maximise Business Performance
Join this engaging session to identify what a positive
risk appetite looks like from the perspective of leading
industry professionals and take home strategies to get
the board involved.

Developing valuable workshops within the organisation
to maximise a strong risk appetite

Addressing CPS 220 and how this influences your
credit risk framework

Developing a good risk appetite and what the
framework should encompass

Exploring the importance of efficient top-down
communication

Addressing tools and techniques for setting a strong
risk appetite aligned with board members

Solution Provider Thought Leadership Session

*Please contact Damian Pigot on

sponsorbranding@iqpc.com.au for more information

Campbell Nicoll, Chief Risk Officer,

The Community Mutual Group

13:20 NETWORKING LUNCH

11:00 SPEED NETWORKING SESSION
A structured interactive session designed to help you expand
your network through one-on-one focused conversations

*Facilitated by Conference Chair

14:20 
Forecasting The Direction of The Housing Market
And How It Will Impact Your Credit Lending Policies
The housing bubble in Australia is an increasingly hot
topic. House prices are on a rise of 9.8 % with a national
price growth of 4.7 per cent between the March and June

T: +61 2 9229 1000 F: +61 2 9223 2622 registration@iqpc.com.au www.creditriskmanagement.com.au

CONFERENCE DAY ONE

Tuesday, 22 March 2016

EXPERT CASE STUDY

quarter (Sydney Morning Herald, 22 September 2015).

Join this engaging session to understand what this means
to credit lending and how this will affect our economic
market.

Discussing perspectives on the housing boom-will it be
a soft landing?

Addressing implications on how banks will deal with
expected losses in mortgage and housing

Analysing economic indicators to reduce risk

Addressing the significance of increasing capital to
minimize the risk of a housing downfall
Stefan Trueck, Professor, Macquarie University

15:00 Developing a Working Relationship With Regulators

To Anticipate Future Changes
Forming relationships with financial regulatory agencies
are now almost as important as maintaining customer
relationships. This session will explore strategies for
maintaining a working relationship with regulators to use
them as a tool to define your path to success.

Understanding how to engage with regulators when
assessing risk frameworks

Discussing how to prioritise the regulations when
balancing commercial requirements

Addressing key areas of focus to maintain a healthy
relationship with regulators

Neil Kenzler, Chief Risk Officer, Teachers Mutual Bank

15:40

AFTERNOON TEA AND NETWORKING BREAK

CASE STUDY

16:10 
Creating A Successful Credit Portfolio With Effective
Risk Management Models
Now more than ever, organisations need to reduce
exposure to customers at risk. Ensuring credit policies
and monitoring practices are put in place will help spot
potential issues with new opportunities with existing
customers. This session will outline key challenges faced
around creating a credit profile, and how to implement
an effective risk management framework.

Addressing key tools and techniques to help you
manage your risks

Exploring examples of effective risk management
models

Focusing on stress testing models to maximise your
credit portfolio

Enabling your portfolio to respond more quickly to
volatile market conditions


Table 2: How to Improve Your Regulatory
Framework to Better Balance Stability, Growth,
and Efficiency

What are the best practice strategies for using
virtualised automation servers and HMIs to provide
reliable automation systems?

What are the most effective hardware and software
architectures?

What are the best life-cycle cost advantages of certain
structures?

How can we capitalise on application features of
domain-based solution to achieve cost reduction?
Facilitator:

Pieter Bierkens, Regulatory Strategist,

Commonwealth Bank

Table 3: Addressing Key Regulation Challenges How to Comply and Prioritise Within Your
Framework

What are the best strategies for priortising regulatory
changes?

How do the regulatory changes challenge you?

Discussing key regulation changes and how you are
priortising and working with them
Facilitator:

Chris Irwin, Head of Retail Credit Risk Strategy,
Scorecards & Policy, Bank of Queensland
Table 4: Exploring How New Data is Changing The
Way Credit Risk Operates

Understanding how new data will impact your credit
risk management framework

Addressing industry changes in data and how it is
impacting the future of credit risk management

Exploring how data management will change your
credit lending policies

Creating value from customers by complying with
privacy legislations and data efficiency
Facilitator:
Matt Gijselman, Head of Government, Regulatory &
Industry Affairs, ARCA
17:30

END OF DAY ONE

17:40

NETWORKING DRINKS FOR ALL ATTENDEES


Richard Crawley-Boevey, Senior Specialist
Quantitative Credit Risk, Bendigo & Adelaide Bank
16:50

Champagne Solutions Clinic

Table 1: A Day In A Life Of A CRO

Examining key attributes to a successful Credit Risk
Manager
What are they key challenges you face in Credit Risk
Management?
How do you prioritise your work load?

SOLUTIONS
CLINIC

Facilitator:

Campbell Nicoll, Chief Risk Officer, The Community
Mutual Group
T: +61 2 9229 1000 F: +61 2 9223 2622 registration@iqpc.com.au www.creditriskmanagement.com.au

CONFERENCE DAY TWO

Wednesday, 23 March 2016

8:30

Conference Registration and Arrival Coffee

11:00 MORNING TEA AND NETWORKING BREAK

9:00

Opening Remarks from the Conference Chair

11:30 
Optimising New Technologies To Improve Your
Credit Risk Management
Successful administration of new technologies and
customer data are enablers for efficient risk management.
Data collected at lending origination remains useful for
ongoing stress testing and portfolio risk management and
good practice suggests that this data should be retained
as material value. Join this interesting session to take
home tools and techniques to effectively make use of your
data and new technology platforms.

Underlining best practices for maximising the use of
your technology

Addressing common technology questions and
misconceptions

Gaining key understandings of how other organisations
are using their technology sources

Adapting to new technology changes and tools to
effectively enhance your data collecting

Exploring how technology can advance credit-decisioning

Jack de Leeuw, Head of Risk Measurement, NAB

09:50 Solution Provider Thought Leadership Session

*Please contact Damian Pigot

on sponsorbranding@iqpc.com.au for more information

EXPERT PANEL SESSION

10:20 
Reviewing Stress Testing Models To Determine Your
Risk Appetite
The scale, complexity and scope of stress testing under
the Basel Committee and national regulators all impose
significant demands on banks. The ability to prioritise
effective risk models within your framework is crucial.
This session will overcome questions around stresstesting and how others are managing their risk appetite.

Addressing stress testing scenarios and deciding which
one fits your appetite

Analysing international stress testing models and how
they forecast and respond to scenarios

Reviewing the prescriptive models to strengthen your
credit-lending practices

Developing collective provisions and understanding
how to evaluate risk restrictions
Moderator:

Kevin Moss, Former Chief Risk Officer, Consumer
Lending Group, Wells Fargo
Panelists:

Olivier Debliquy, Head, Stress Test Modelling, ANZ

Varun Nakra, Senior Credit Risk Analyst, NAB

Bart Hellemans, Chief Risk Officer, ING Bank

Basel Foulkes, Chief Risk Officer, AMP Bank

Jason West, Executive Manager, Risk Analytics, Suncorp

12:10 
Exploring Basel 4 Implications To Successfully Apply
The One Size Fits All Approach
The global economic crisis has influenced restructuring
in the approach to risk and regulation in the financial
sector, which has required the Basel committee to set
new regulations around credit lending and assessing
risk. The impact of Basel 4 remains unclear, and early
analysis, strategic evaluation and planning is crucial for
successful implementation, and to determine how it will
affect your organisation. Join this insightful discussion on
Basel 4 implications, and how other leading professionals
are preparing for the new models.

Underlining the impact of Basel 4 developments and
how other companies are preparing for the changes

Addressing the costs involved in implementing the
standardised approach

Discussing the imposed calculation of risk-weighted
assets (RWA) and how this will influence banking
competition

Preparing for Basel 4 - Exploring models to assess what
impact the regulations will have within your company

Exploring the LVR restrictions and the implications it holds
EXPERT PANEL DISCUSSION

EXPERT CASE STUDY

9:10 
Understanding the Challenges and Implications
of IFRS 9 For the Measurement of Credit Risk
Impairment
For the measurement of impairment on financial assets,
IFRS 9 requires new expected loss based models.
Effective for annual reporting periods beginning on or
after 1 January 2018 (with early adoption permitted),
IFRS 9 poses significant business, financial and technical
challenges. This session reviews the latest considerations
and approaches relating to the adoption of IFRS9 for the
measurement of credit risk impairment by addressing
key challenges, practical experiences and industry
observations.

Implementation and use of forward looking data in
assessing expected loss;

Discussion of the challenges in relation to modelling
expected losses for IFRS 9 and weighing up the benefits
relative to the current IAS 39 incurred loss approach to
impairment;

Discussion of industry approaches to preparing for the
new models;

Addressing the regulatory view of models for IFRS 9.

Moderator:

Patrick Ashkettle, Chief Risk Officer, Bank Australia
Panelists:

Michael Blacker, Chief Risk Officer, Police Banks Ltd

Jack De Leeuw, Head of Risk Measurement, NAB

Paul Taylor, Head of Group Portfolio Management &

Policy, Bank of Queensland

 eter Urmoneit, Head of Market Risk & Liquidity

P
Oversight, Bendigo & Adelaide Bank

T: +61 2 9229 1000 F: +61 2 9223 2622 registration@iqpc.com.au www.creditriskmanagement.com.au

CONFERENCE DAY TWO

Wednesday, 23 March 2016

12.50

NETWORKING LUNCH

CRASH COURSE

13:50 
How are you complying with CPS 220 and
effectively working with your board?

What are the challenges with communicating with you
board?

What are the best strategies for implementing a
process to effectively communicate and set frameworks

How can we ensure that the board is setting the right
appetite?
Michael Blacker, Chief Risk Officer, Police Banks Ltd

14:20 Roundtable discussion

Break into 3 groups and discuss the following topics in
detail. Each discussion topic will focus on the topic they
choose to participate in. After 20 minutes of discussion,
each group will have one member present the major
themes that were discussed in the session.
Moderator:

Conference Chair

Table 1: Exploring the Overall Challenges and
Opportunities Within the Credit Risk Industry
Facilitator:

Andrew Patterson, Head of Credit, Pepper

Table 3: Regulatory Reform and the Management

of Market Liquidity Risk

Facilitator:

Pieter Bierkens, Regulatory Strategist,

Commonwealth Bank
15:00 AFTERNOON TEA AND NETWORKING BREAK
15.30 
A Debate: How Will Comprehensive Credit
Reporting Affect Your Competitive Position?

Exploring the impact of comprehensive credit reporting
and the ability to analyse your data

Looking into comprehensive credit reporting from an
industry wide perspective and the influence it has on
your risk book

Collecting data and what this will mean for our future in
credit risk management

Understanding how bureaus can be a useful tool in
credit scoring

Sharing data across banks Exploring thoughts on
how this will effect a competitive advantage or working
together to reduce risk
Moderator:

Damian Paull, CEO,

Australian Retail Credit Association (ARCA)


Table 2: Identifying Modeling Techniques to
Strengthen Your Portfolio

Speakers:

Poli Konstantinidis, Chief Operating Officer Consumer
Risk, Latitude Financial Services

Facilitator:

Neil Kenzler, Chief Risk Officer, Teachers Mutual Bank

James Haviland, General Manager,

Strategic Risk Program, ME Bank

16:10

MAIN CONFERENCE CLOSE

Exhibition and Sponsorship Opportunities are now Becoming Limited!

To meet those responsible for managing credit risk
in a competitive lending environment, and avoid missing out
on the latest projects, contact the Credit Risk Management
team today to discuss sponsorship opportunities:
Damian Pigot
Ph: 02 9229 1050 | E: sponsorbranding@iqpc.com.au

About our sponsors:

Vector Risk provides a cloud-based post-trade risk
management service for banks, corporates and financial
institutions that trade derivatives (ETO/OTC). The service
includes market risk (VaR, stress testing, ES, stress VaR
and FRTB), credit risk (PFE, EPE for IMM and xVA (CVA,
DVA, FVA, etc.), loan impairment, hedge effectiveness
and margining calculations for active risk (limit) management and
regulatory reporting. The service includes integrated market and
reference data and true multitenancy afford unrivalled cost of ownership.

Veda is a data analytics company and the leading

provider of credit information and analysis in
Australia and New Zealand. From its core credit
bureau business established in 1967, Veda has expanded to deliver a suite
of credit and other analytical products targeted to consumers and specific
industry segments. Vedas customers use data intelligence provided by Veda
to make decisions on credit risk, verify identity and employee background,
reduce identity theft and fraud, and undertake digital marketing strategies.

T: +61 2 9229 1000 F: +61 2 9223 2622 registration@iqpc.com.au www.creditriskmanagement.com.au

PRE-CONFERENCE DAY WORKSHOP

Monday, 21 March 2016

A | 8:30AM 10:3OAM

B | 11:00AM - 1:00PM

Best Practices In Stress Testing

Implementing the expected credit

loss model in IFRS 9 Financial
Instruments

Stress tests are systematically challenging, time consuming

and costly. However, it is an investment into successful risk
management and with recent changes in IFRS and APRA
regulations; it is now required to implement resilient stress
tests more than ever. The ability to develop a well-targeted
hostile scenario and being able to highlight its vulnerabilities is
significant to any stress test implementation. Join this strategic
workshop to implement the best stress testing scenarios into
your framework.
What the workshop will cover:
Improving modelling approaches and benchmarks to ensure
your scenarios are consistent
Highlighting sensitive scenarios and effective resilience
strategies
Addressing challenges for estimating losses on residential
mortgages
Reviewing and analysing examples of stress testing models
Highlighting business benefits and impacts on capital in
scenario analysis
How you will benefit:
You will take home key strategies to tailor an effective stress
scenario
Develop a set of practical scenarios that you can use within
your framework
Take away strategies to develop and improve your modelling
infrastructure
Olivier Debliquy, Head, Stress Test Modelling, ANZ

IFRS 9 introduces a new impairment model based on expected

credit losses and changes the approach to classification of
financial assets. This is effective for annual reporting periods
beginning on or after 1 January 2018 (with early application
permitted). IFRS 9 will have significant business, financial and
systems impacts. Sue Lloyd, a member of the International
Accounting Standards Board will discuss the approach to
implementing the new model and an oversight of the likely
impact it will have on your organisation.
What the workshop will cover:
Understanding the financial instruments that it applies to
including how the classification model in IFRS 9 for financial
assets works
Understanding how IFRS 9 defines expected credit losses and
the approach to their measurement
Understanding the information set that is required to be used
to implement the model
The interaction between financial reporting and credit risk
management functions
Understanding how credit risk management and current
prudential reporting information is relevant to the measurement
of IFRS 9 expected credit losses
The disclosures required to support the expected credit loss
model
How you will benefit:
You will understand the information needed to determine
classification of financial assets
You will better understand the objective of the expected
credit loss measurement in IFRS 9 and thus the information
necessary to determine this
You will gain an understanding of the information needed to
apply the model and the potential systems changes
Sue Lloyd, Board Member, IASB

T: +61 2 9229 1000 F: +61 2 9223 2622 registration@iqpc.com.au www.creditriskmanagement.com.au

PRE-CONFERENCE DAY WORKSHOP

Monday, 21 March 2016

C | 1:30PM 3:30PM

D | 4:00PM 6:00PM

Tackling the Future of

Comprehensive Credit Reporting To
Gain a Competitive Position

Successfully Complying with CPS

220 Strategic Steps to Managing
Communication With Your Board
Members

Recent changes in legislations and ASICs requirements around

comprehensive credit reporting have enabled credit bureaus to
play a critical role in managing credit risk and how you analyse
your consumer. Comprehensive credit reporting will provide
richer information on a customers history around payment
performance and levels of commitment, enabling responsible
lending and reducing credit risk. Join this engaging workshop to
help you gain a deeper understanding into comprehensive credit
reporting and how it will help you survive in a competitive credit
lending environment.
What the workshop will cover:
Developing strategies to effectively use positive credit scoring
Analysing and addressing international examples of
comprehensive credit reporting
Addressing data management and how to successfully collect
and analyse data
Exploring the costs and benefits involved
Exploring how positive reporting will impact credit risk
management
How you will benefit:
Understanding how comprehensive credit reporting will impact
your competitive position
You will gain strategies to effectively package data for transfer
You will maximise your engagement with credit beauros in
Australia and use them as a toll to define success
Understanding RG 209 and how it will affect your credit
reporting
Matt Gijselman, Head of Government, Regulatory & Industry
Affairs, Australian Retail Credit Association (ARCA)
Michael Blacker, Chief Risk Officer, Police Bank Ltd

New changes to CPS 220 is to require the Board of Directors of

each APRA-regulated institution to ensure that the organisation
has in place a risk management framework that includes
strategic and business planning, a risk appetite statement, and
a risk management function. Join this engaging workshop to
take home strategies on getting the board involved, and how to
engage in effective communication with key board members to
maximise a strong risk culture.
What the workshop will cover:
How to ensure that your Board is properly briefed on the
limitations and assumptions relating to any models used to
measure the components of risk
Approaches to assisting the Board to modify strategy and
business planning to accommodate new requirements in risk
management strategy and risk-sensitive business plans
Unique methods for supporting the Board to ensure that the
three lines of defence are firmly in place and working properly
with an effective review process
How you will benefit:
You will gain techniques on how to create valuable workshops
that create meaning and efficiency
You will take home key strategies on how to communicate
effectively with board members
You will be able to identify the needs of your board members
and how this is prioritised within your workload
You will gain valuable review processes that will meet your
board requirements and how this is to be communicated
Campbell Nicoll, Chief Risk Officer, The Community Mutual
Group

T: +61 2 9229 1000 F: +61 2 9223 2622 registration@iqpc.com.au www.creditriskmanagement.com.au

QUICK and EASY WAYS to REGISTER

TELEPHONE +61 2 9229 1000

22 & 23 March 2016

Novotel Sydney Central, NSW

FAX +61 2 9223 2622

TACKLING EMERGING
REGULATION CHANGES
IN A COMPETITIVE CREDIT
LENDING ENVIRONMENT

Register Early & Save!

SAVE UP TO $850

WEBSITE www.creditriskmanagement.com.au
MAIL IQPC, Level 6, 25 Bligh Street,

SYDNEY NSW 2000

26828.001 /IBF
SAVE UP TO $550

SAVE UP TO $250

STANDARD
PACKAGES

SUPER EARLY BIRD

EXTRA EARLY BIRD

*Register & pay before
22 January 2016

*Register & pay before

4 March 2016

EARLY BIRD

STANDARD PRICE

Conference + 4 Workshops

$4649 + GST = $5113.90

$4949 + GST = $5443.90

$5249 + GST = $5773.90

$5499 + GST = $6048.90

Conference + 3 Workshops

$4349 + GST = $4783.90

$4649 + GST = $5113.90

$4949 + GST = $5443.90

$5099 + GST = $5608.90

Conference + 2 Workshops

$3999 + GST = $4398.90

$4299 + GST = $4728.90

$4599 + GST = $5058.90

$4699 + GST = $5168.90

Conference + 1 Workshop

$3599 + GST = $3958.90

$3899 + GST = $4288.90

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Conference Only

$2999 + GST = $3298.90

$3299 + GST = $3628.90

$3599 + GST = $3958.90

$3699 + GST = $4068.90

*Register & pay before

17 December 2015

o REGISTER ME for Credit Risk Management 2016 PLUS:

o Workshops: oA oB oC oD

DELEGATE 1

Please send me _______ set(s) of AUDIO COMPACT DISCS and PRESENTATIONS CD at $878.90

($799 plus GST) or $603.90 ($549 plus GST) Presentations CD only
Please keep me informed via email about this and other related events

WHERE & WHEN?

IQPC recognises the value of learning in teams. Take advantage of

one of these special rates:

WHERE

Register a team of 2 to the conference at the same time from

the same company and receive a 5% discount

Novotel Sydney, NSW

Register a team of 3 to the conference at the same time from

the same company and receive a 10% discount
Register a team of 4 or more to the conference at the same
time from the same company and receive a 15% discount

WHEN?

Register a team of 6 or more to the conference at the same

time from the same company and receive a 20% discount

Register a team of 10 or more to the conference at the same
time from the same company and receive a 25% discount

Main Conference:
22 & 23 March 2016

Ask about multi-event discounts. Call +61 2 9229 1000 for

more details
Please note: Only one discount applies

[SURNAME]

Workshop:
21 March 2016

2 WAYS TO SAVE!
Book early for HUGE
EARLY BIRD savings.
Book as a TEAM,
save & benefit as a team.

[FIRST NAME]

[SURNAME]

ACCOMMODATION
Novotel Sydney Central is
the official venue for Credit
Risk Management 2016, and
we have negotiated special
rates for attendees of this
event.

[FIRST NAME]

[SURNAME]

To take advantage of these

rates, contact the hotel and
quote: IQPC or go to www.
creditriskmanagement.com.
au and click on the Venue and
Accommodation page for a
direct link to rates.

EMAIL

DELEGATE 2

POSITION

EMAIL

DELEGATE 3

POSITION

EMAIL

ORGANISATION

ADDRESS

POSTCODE

ADDRESS

TELEPHONE

BOARDROOM TEAM PACKAGE*

Convert team learning into

practical business strategy
An exclusive private meeting &
networking space
VIP registration, conference
seating and networking support.

To qualify:
Register a team of 7 or more delegates to the conference at
the standard conference rate**

You receive:
Exclusive full-day use of a private room within the conference
venue
Networking support & facilitated introductions from the IQPC
team throughout the event
Morning and afternoon refreshments catered
VIP registration & conference room seating

FAX

APPROVING MANAGER

)
[SURNAME]

[FIRST NAME]

POSITION

EMAIL

Availability 2 only per event

* (Not available for service providers)

**(No discounts can be applied)

o CHEQUE ENCLOSED FOR $ __________ (Please make cheques payable to: IQPC)

NOTE: PAYMENT IS DUE WITHIN 7 DAYS FROM REGISTRATION TO SECURE YOUR PLACE. Registrations received without payment
or a Government PO will incur a processing fee of $99+GST = $108.90 per registration. Payment prior to the conference is mandatory
for attendance. Payment includes lunches, refreshments, a copy of conference presentations via FTP website or workbook and all
meeting materials. If payment has not been received two weeks before the conference, a credit card hold will be taken and processed.
This card will be refunded once alternate payment has been received.

PLEASE CHARGE o American Express o Visa o MasterCard o Diners Club

CREDIT CARD NUMBER

PRIVACY - YOUR CHOICE

Any information provided by you in registering for this conference is being collected by IQPC and will be held in the strictest confidence. It will
be added to our database and will be used primarily to provide you with further information about IQPC events and services. By supplying your
email address and mobile telephone number you are agreeing to IQPC contacting you by these means to provide you further information about
IQPC products and services. From time to time IQPC may share information from our database with other professional organisations (including
our event sponsors) to promote similar products and services. Please tick the box below if you do NOT want us to pass on your details.
To amend your current details, advise of duplicates or to opt out of further mailings, please contact our Database Integrity Maintenance Department,
Level 6, 25 Bligh Street, SYDNEY NSW 2000. Alternatively, email database@iqpc.com.au, call 02 9229 1028 or fax 02 9223 2622.

AMEX 4 DIGIT CODE

EXPIRY DATE

NAME OF CARD HOLDER [PLEASE PRINT]

I do not wish to have my details made available to other organisations

IQPC CANCELLATION AND POSTPONEMENT POLICY: FOR DETAILS OF IQPCS

CANCELLATION AND POSTPONEMENT POLICY PLEASE VISIT: www.iqpc.com.au
2015 IQPC ABN 92 071 142 446 All RIGHTS RESERVED. The format, design, content and arrangement
of this brochure constitute a copyright of IQPC. Unauthorised reproduction will be actionable by law.

CLICK HERE SUBMIT THIS FORM

(PHOTOCOPY THIS FORM FOR ADDITIONAL DELEGATES)

Payment not made at the time of registration will be subject to a $99 service charge.
All 'Early Bird' discounts require payment at time of registration and before the cut-off date in order to receive any discount.
Discounts do not apply to vendors/solution providers. IQPC reserves the right to determine who is a vendor.
Any discounts offered (including early bird and team discounts) are subject to availability and require payment at the time of registration.
All discount offers cannot be combined with any other offer.

TEAM DISCOUNTS

[FIRST NAME]

POSITION

Please note: Workshops = 1 Module each; Focus Day = 2 Modules

*
*
*
*
*

EMAIL registration@iqpc.com.au