September 28

12:45 PM - 1:30 PM Registration - Fibonacci

1:30 PM - 1:35 PM Welcome & Introduction - Fibonacci

1:35 PM - 2:05 PM ICBA Innovation - Fibonacci

2:05 PM - 3:05 PM Understanding AI: How It Works and How to Put It to Work
Community banks are moving beyond AI pilots toward enterprise adoption. This session explores how generative AI works, the governance and risk management practices needed for responsible implementation, and practical strategies for scaling AI across the organization. Attendees will gain insights into mitigating AI risks while identifying opportunities to improve efficiency, enhance decision-making, and create measurable business value.

• Sam Chen, Quantitative Consultant, DCG

3:05 PM - 3:15 PM Break

3:15 PM - 4:15 PM Payments in Transition: FedNow, Real-Time Rails & What's Next
The payments ecosystem is evolving rapidly, creating new competitive pressures and opportunities. This session explores how banks are adapting to real-time infrastructure and changing customer expectations

• David Park, CEO, FinTech Automation
• Thanh Pham, CEO, Cali Bank
• Lance Wagner, AAP, Federal Reserve Financial Services

4:15 PM - 5:15 PM Digital Assets in Banking: Stablecoins, Crypto & Tokenization
Stablecoins and digital asset technologies are converging with traditional banking infrastructure. This session separates hype from reality and explores what is most relevant for community banks today.

• Michael Cohn, Principal, Wolf & Co., Inc.

5:15 PM - 7:15 PM Reception - Skybox

September 29

8:00 AM - 9:00 AM Breakfast

9:00 AM - 9:05 AM Welcome Back  - Fibonacci

9:05 AM - 10:05 AM The 30% Efficiency Problem: How AI, Human Workers, Robotic Workers, and Agentic Workers Are Reshaping Community Banking
Community banks are under increasing pressure to do more with fewer resources while navigating evolving regulations and rapid advances in AI. This session explores how human, robotic, and agentic workers can work together to improve efficiency, strengthen governance, and deliver measurable results. Attendees will gain practical strategies, real-world community bank examples, and a roadmap for responsibly scaling AI and automation across their institution.

• Todd Michaud, CEO, HuLoop

10:05 AM - 10:15 AM Break

10:15 AM - 11:15 AM Partnering for Growth: Building Effective Fintech Relationships
Technology partnerships are critical to innovation, but require stronger governance and evaluation models than ever before. This session focuses on building successful, risk-aware partnerships.

• Armin Wasicek, CTO, ZorroFi
• Dante Tosetti, President, Magnolia Financial

11:15 AM - 12:15 PM Core Modernization: Cloud, APIs & Data Strategy
Legacy infrastructure remains one of the biggest constraints on innovation. This session explores how banks are modernizing core systems and building scalable digital foundations.

• Kim Snyder, CEO & Founder, KlariVis
• Tom Sa, Former Bank President/COO/CFO

12:15 PM - 1:15 PM Lunch - Table 509

1:15 PM - 2:15 PM Technology Leadership in a High-Uncertainty Environment (CIO/CTO Panel)
A candid executive-level discussion on how technology leaders are navigating uncertainty while shaping long-term strategy and organizational direction.

• Moderated by Wayne Miller, Chief Innovation Officer, ICBA Innovation
• Aaron Boigon, EVP/CTO, Plumas Bank
• Matt March, EVP/CIO, West Coast Community Bank