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VACB First Quarter Operations Forum

Join VACB for our First Quarter Operations Forum in Staunton, March 24 & 25

Tuesday, March 24, 2026 at 12:30 PM (EDT) to Wednesday, March 25, 2026 at 5:00 PM (EDT)
Register Now

Event Details

Download the program brochure HERE.

This program carries 11.5 CRCM, CERP credit hours and 10.0 CAFP credit hours.

VACB Operations Forum Agenda

MARCH 24 - Day 1: Reg CC Refresh to Revitalize Bank Protection

  • 12:30 PM – 1:00 PM: Registration and Welcome
  • 1:00 PM – 2:30 PM: Refresher of Reg CC Key Concepts
    • Harnessing the Power of the Protections Reg CC Provides
    • Payment Availability Schedules
    • Case-by-Case Holds and Their Benefits
    • Exception Holds and Their Utilization for Fraud Protection
  • 2:30 PM – 2:45 PM: Break
  • 2:45 PM – 4:00 PM: Reg CC Other Provisions
    • Disclosure Requirements
    • Check 21 and Substitute Checks
  • 4:00 PM – 4:15 PM: Break
  • 4:15 PM – 5:00 PM: Reg CC Other Provisions
    • Check Collection and Returns

March 25 - Day 2: Deep Dive into Check, ACH and Card Fraud

  • 8:00 AM – 9:00 AM: Continental Breakfast, Registration and Networking
  • 9:00 AM – 10:30 AM: Deep Dive into Industry Fraud Trends
    • Drawing a Line Between Fraud (Bank Responsibility) and Scams (Customer Responsibility)
    • Current Fraud Scenarios and Solutions
    • Current Scam Scenarios and Solutions
  • 10:30 AM – 10:45 AM: Break
  • 10:45 – 12:00 PM: Check Fraud
    • Current Check Fraud Trends
    • Bank Responsibilities, Liabilities and Timing
  • 12:00 PM – 1:00 PM: Lunch
  • 1:00 PM – 2:30 PM: ACH Fraud
    • ACH Returns and Fraud Provisions
    • ACH Fraud and Scams Scenarios and Solutions
  • 2:30 PM – 2:45 PM: Break
  • 2:45 PM – 4:30 PM: Card Fraud
    • Credit and Debit Card Disputes, Frauds and Scams
    • Reg E and Reg Z Errors
    • Merchant Disputes
  • 4:30 PM – 5:00 PM: Resources Review and Next Steps

About Our Speaker - Patti Joyner:

Patti Joyner is a nationally-known, dynamic speaker and leader with strong, intuitive management skills, and a deep conviction that "excellence is not optional." She has extensive experience in working with financial institutions, bank data processors and governmental agencies. Patti has more than 35 years of experience in the  financial industry as an entrepreneur and financial institution  executive. She is a Certified Regulatory Compliance Manager (CRCM), skilled regulatory compliance consultant, bank operations specialist, system automation designer and an enthusiastic regulatory compliance instructor who believes in providing real-world solutions ready for immediate implementation.

For More Information:

Katharine C. Garner
Katharine C. Garner
VACB (804)673-8250
View Profile

Registration Fees Include:
Registration fees include breaks and lunch as well as the program materials printed and electronic for use back at the bank.

Room Reservations
VACB has reserved a limited number of rooms for the nights of March 24. The rate is $119 for a single or double room. Reservations MUST be made directly with Hotel 24 South by calling the hotel directly at (540) 885-4848 and referencing the Virginia Association of Community Banks room block. This block of rooms will only be held until Tuesday, February 24. Check-in time is 4:00 pm and check-out time is 12:00 noon.

Cancellation Policy for the Hotel:
All reservations must be accompanied by a first night room deposit or guarantee with a major credit card. In the event you must cancel your hotel reservation, the deposit is refundable if notice is received 48 HOURS prior to the day of arrival and a cancellation number is obtained.

Common ACH Fraud Examples
•    Business Email Compromise (BEC): Fraudsters hack company emails (executives, finance, vendors) to send fake payment requests or change banking details, diverting funds.
•    Payroll Diversion: Criminals impersonate employees to change direct deposit info, redirecting paychecks to their accounts, sometimes using stolen personal details.
•    Vendor Impersonation/Fake Invoices: Scammers pose as legitimate suppliers, sending fake invoices with new bank details, tricking companies into paying them.
•    Unauthorized Debits: Fraudsters use stolen account/routing numbers (from data breaches, phishing) to pull money directly from personal or business accounts.
•    Account Takeover (ATO): Criminals gain full access to online banking via compromised credentials to initiate transfers.
•    Phishing & Spear Phishing: Tricking people into clicking malicious links or opening attachments to steal login info or install malware.
•    Real Estate Settlement Scams: Compromising emails from title companies or attorneys to intercept closing funds.
•    Work-from-Home/Fake Job Offers: Luring victims with fake jobs that involve receiving and forwarding money, often leading to fraud.
•    Insider Threats: Employees with access intentionally facilitating fraudulent transactions.
•    ACH Kiting: Exploiting the time lag in ACH processing to create phantom balances, though often linked to traditional check kiting