Annual Meeting & Convention

October 10-12, 2018  |  Louisville Marriott Downtown  |  Louisville, KYMake it Happen Make it Matter - Ad

Every day, you make a positive difference in the life of a member and in your communities. Across the State, we are all working toward one shared vision in which Kentuckians choose credit unions as their financial partner. In October, let's celebrate how credit unions make things happen and how we make it matter!

The 84th KCUL Annual Meeting and Convention features a comprehensive agenda of top-of-mind issues, the KCUL Business Meeting, a golf outing, an awards banquet, entertainment and an extensive showcase of business partners and exhibitors.

Whether you are a credit union professional or volunteer, from a small or large credit union, you will find useful information geared towards your needs.

Questions or special needs, contact This email address is being protected from spambots. You need JavaScript enabled to view it.  or This email address is being protected from spambots. You need JavaScript enabled to view it. .

General Information

Badges Must Be Worn

Badges are specially marked to determine admission to conference activities.

Ticketed Events

Additional registrations are required for the Wednesday Golf Event, Wednesday evening dinner and entertainment, Thursday evening Awards Banquet, and Governmental Affairs Breakfast.

Seating for the Awards Banquet is reserved on a “first-come, first-served” basis at the Convention Registration Desk.


The attire for the conference is Business casual. Be sure to bring a sweater or light jacket, as personal comfort levels may vary. The attire for the Awards Banquet/Wendell's Reception is cocktail party to semi-formal.

Cancellation Policy

Refunds will be issued until 14 days prior to the conference less a $100 administration fee per person. Substitutions accepted anytime. All cancellations/substitutions must be submitted in writing.

Who Can Attend?

Attendance is limited to League affiliated and associated credit unions. This conference is a special occasion for CEOs, Directors, Staff, and Supervisory Committee members to come together for valuable education and networking opportunities. For the Business Meeting, affiliated credit unions are entitled to one delegate and one alternate.

For Your Information

Download the Kentucky Credit Union League, Inc. Business Session Report Book


The schedule is tentative and subject to change.

Wednesday, October 10     
9:00 a.m.   KCUL Board Meeting
11:00 a.m.   Golf Scramble at Valley View Golf Club (Floyds Knobs, IN)
5:00 p.m. - 7:30 p.m.   Registration Open
7:30 p.m. - 10:30 p.m.   Opening Dinner 
Thursday, October 11    
8:00 a.m. - 5:00 p.m.   Registration Open
8:15 a.m. - 9:00 a.m.   Registration & Continental Breakfast
8:45 a.m. - 9:00 a.m.   Opening Remarks
9:05 a.m. - 10:15 a.m.   Opening Keynote
10:30 a.m. - 11:25 a.m.   Education Breakout Sessions
11:30 a.m. - 1:00 p.m.   Exhibit Hall Opening and Lunch
1:00 p.m. - 1:55 p.m.   Education Breakout Sessions
2:05 p.m. - 3:00 p.m.   Education Breakout Sessions
3:00 p.m. - 5:00 p.m.   Exhibit Hall Happy Hour
7:00 p.m. - 10:00 p.m.   Awards Banquet
Friday, October 12    
7:00 a.m. - 12:30 p.m.   Registration Open
8:00 a.m. - 10:00 a.m.   Governmental Affairs Breakfast with Keynote Speaker
10:00 a.m. - 10:30 a.m.   Check Out Break
10:30 a.m. - 11:00 a.m.   Members' Business Meeting
11:15 a.m. - 12:30 p.m.   Emerging Leaders General Session
12:30 p.m. - 2:00 p.m.   Conference Close


  • Early Bird Conference Bundle (through August 31): $499*

  • Regular Conference Bundle (after August 31): $549*

*Conference bundle includes attendee registration for the 2-day Conference, Wednesday night event, Thursday night banquet and Friday Governmental Affairs breakfast. Golf outing is NOT INCLUDED in the bundle.  



Annual Business Meeting Only Registration Form and Voting Credentials

If you do not plan to attend the Annual Meeting & Conference but would like to attend the Friday morning Members’ Business Meeting ONLY, please complete and return the Business Meeting Registration form to the League office.

Download Business Meeting Registration

Hotel Information

Louisville Marriott Downtownsdflm main02

280 W Jefferson St, Louisville, KY 40202

Located in the heart of downtown, Marriott Louisville Downtown features upscale amenities and onsite dining near top Louisville attractions.


Golf Outing

Wednesday, October 10, 2018ValleyViewGolf
Event Coordinator: This email address is being protected from spambots. You need JavaScript enabled to view it.

Location: Valley View Golf Course
3748 Lawrence Banet Rd.
Floyds Knobs, IN 47119
(812) 923-9280

The tournament format consists of 4 person teams. Create your own team or we’ll team you up with others.

The outing will begin with lunch and registration at 11:00 a.m. and golf will begin promptly at Noon. 


Keynote Speakers

Opening Keynote: Competing in a Land of Giants

Jeffreys Jon 100x100Given the sheer size and scale of mega banks, credit unions may need some different ways to think about how they compete. This session will explore a set of strategic frameworks when evaluating future growth strategies.

Jon Jeffreys has been Managing Partner at Callahan & Associates since 2014. In this role, Jon works with the firms' senior leaders and Board on developing strategies that help credit union leaders identify strategic growth opportunities that increase member value. Jon leads the development of many of the firms' new programs such as the Leadership Team Development collaboration with Harvard Business School.

Jon is a trusted advisor to many CEO's and senior executives for his insight and unique perspectives to the one-of-a-kind situations that leaders often face. As a facilitator, Jon has worked with dozens of management teams and Boards who find his engaging presentation and facilitating skills an effective way to develop strategies and have hard conversations. His proven ability to bring people together for the advancement of shared ideas, coupled with his amicable presentation style, creates the ideal environment for innovation incubation and ideation collaboration. Jon's presentations consistently deliver impactful messages that move credit unions toward successful outcomes. 

Jon holds a B.A. from Denison University and a MBA from the Kogod School of Business at American University. He holds the FINRA series 6 and 63 licenses.

Governmental Affairs Breakfast Keynote Speakers

Governor Matt Bevin

gov-bevin-100x100Matt Bevin was elected the 62nd Governor of the Commonwealth of Kentucky in 2015. He is a husband, father of nine children, veteran and successful small business owner.

Bevin attended Washington and Lee University in Virginia on an ROTC scholarship. Upon graduation, he served on active duty as a US Army officer and left the service having achieved the rank of captain. After his military service, Bevin worked for many years in the financial industry. A job opportunity brought him and his wife Glenna, a registered nurse, to Kentucky in 2000, where they decided to settle down and raise their family.

​Governor Bevin has served on many non-profit boards, including Chairman of the Board for the American Red Cross, Louisville Area Chapter. He has permanently endowed several scholarship funds, grants, and centers that provide educational opportunities for young people with limited financial resources.

C. Keith Morton

C-Keith-Morton 100x100Keith Morton is the Regional Director for the Region 4 office in Austin. As Regional Director, Mr. Morton is responsible for the oversight of the chartering program for federal credit unions and the examination and supervision programs for all federally insured credit unions in Colorado, Illinois, Iowa, Kansas, Minnesota, Missouri, Montana, Nebraska, New Mexico, North Dakota, Oklahoma, South Dakota, Texas, and Wyoming.

Mr. Morton's career began in December 1986 as a field examiner in Washington, D.C. He also was a Problem Case Officer prior to moving into management in 1994. He spent nearly eight years in management roles in Region 2 (Alexandria, Virginia) as a supervisory examiner, director of Special Actions, and director of Supervision prior to joining Region 4 as Associate Regional Director in 2002.

A native of Silver Spring, Maryland, Mr. Morton holds an accounting degree from Frostburg State College, Frostburg, Maryland.

Emerging Leaders Closing Session

The Kentucky Credit Union League is proud to sponsor the Emerging Leaders Program — a program designed to bring up-and-coming credit union professionals to the next level and prepare them for leadership roles within the credit union movement.

The 2018 Emerging Leaders Program began in March with participants from 8 credit unions. Participants attended four 1-day sessions on topics specifically geared towards credit union history and philosophy, financials, professionalism and leadership, and political advocacy. In addition, participants contributed to a service learning project that combined leadership skills with corporate responsibility and their experience will be presented during the closing session.

Education Sessions

10:30 a.m. - 11:25

Topic Title:  Choosing Change: How to Make Things Happen


Executive, Motivational


CEO, Executives, Operations, BOD, Managers, Staff


Denise Gabel, Mentor for Change
Denise Gabel—The Denise—is the Innovation Catalyst and former Chief Operating Officer at the Northwest Credit Union Association and the Executive Director for the Northwest Credit Union Foundation. She is passionate about people and possibilities.

Denise is an author, dynamic speaker, innovative executive, emcee, and a remarkable coach. She is a connector and a change agent.

A lifelong learner, she has been named a Woman to Watch. She is a summa cum laude graduate of Eastern Washington University and served as a member of the Berkeley Innovation Forum at the University of California Berkeley Haas School of Business. She also graduated from Harvard Business School’s Women’s Leadership Forum.

She ignites creative new thinking with her energized approach – that’s how she’s wired. She came from the Filene “think tank” Research Institute where she served as the Chief Innovation Officer leading the prestigious i3 innovation program throughout the U.S. and Canada.
Session Summary:

It’s one thing to THINK BIG, and it’s another to act. How do you embrace change? How does your credit union embrace change? What role does courage and confidence play in navigating change and removing barriers? The ability to solve the right problem is paramount. This session will leave you in a better position to choose and embrace change—to grow yourself and your credit union.

We’ll use humor in the fast-paced interactive session to:

·     Think BIG – get clarity around what your barriers are and the right problem to solve
·     Leave with three best practices for managing change
·     Understand the role of courage and confidence

Topic Title:         How to Grow More with Less: Creating a Strategic Plan for Maximizing Employee Potential   


Executive strategy, intranet, employee development, training, productivity 


CEOs, BOD, Executives, Operations, Trainers


Al Rosenbaum, EVP Customer Success, SIlverCloud Inc. 
Al Rosenbaum is the Executive Vice President of Customer Success at SilverCloud Inc., a banking specific software as a service (SaaS) company that specializes in digital enablement for banks and credit unions. 

Rosenbaum brings more than 25 years of customer success, sales, and marketing experience to SilverCloud. He earned his MBA at Bentley College and his bachelor’s degree in Consumer Behavior at the University of Massachusetts, Amherst.

Session Summary:

Learn how to do more with less at your credit union. We’ll touch on strategies for maximizing employee potential, including how your policy, product, and procedure manuals are setting your credit union back. We will look at real industry case studies and discuss this pervasive industry problem, plus offer solutions for turning a productivity and revenue killer into a productivity and revenue driver. 

Topic Title: 

The Evolution & Implementation of CECL


Accounting, Compliance 


CEO, Operations, Accounting, BOD


Jennifer R. Henning, CCUIP 
Jennifer Henning has more than 20 years of experience in the financial services industry.  She currently serves as Chief Financial Officer for an educator’s credit union in Louisville, Kentucky.  During her tenure, she helped grow the credit union from $160M in assets (2012) to $207M in assets at present.  This growth helped fuel an improvement in the loan to share ratio of 1724 basis points.  She is a former federal regulator serving during the years of the housing crisis, examining banks during the week and closing them on the weekends.  Jennifer lives in Louisville, Kentucky with her husband who is currently completing his 20 years of service with the U.S. Army and her two amazing sons.

Session Summary:

In this session we will explore the CECL implementation journey of local credit unions.  We will identify common implementation roadblocks and possible solutions.  We will also take a look into the current political climate surrounding CECL, as well as, recent proposed regulatory changes and timelines. 

1:00 p.m. - 1:55 p.m.

Topic Title:  Cybersecurity: Culture




CEOs, Executives, IT, and department heads 



Ben Brady, Co-Owner, White Mile Consulting
Ben completed his BS in Information systems at Tennessee Technological University and holds various IT certifications from Cisco, CompTIA, Dell-Sonicwall, ISACA, and Microsoft. Ben spent the first part of his IT career in the Internet Service Provider (ISP) sector working with advanced networking, connectivity, and network security. For the last seven years, Ben has concentrated most of his work life on his regulated clients in the financial and healthcare industries helping them meet their compliance and regulatory obligations. Ben spends a great deal of time on auditing, cybersecurity and social engineering. Ben enjoys spending time with his wife and four children and occasionally escaping for a ride on his motorcycle.

Jason Duke, Co-Owner, White Mile Consulting
Jason completed his BS in Information Systems and his MBA in Information Systems at Tennessee Tech University. While serving as CIO for a commercial bank for 18 years, Jason graduated from the Southeastern School of Banking at Vanderbilt and earned two American Institute of Banking Diplomas in General Banking and Bank Operations. Jason is a Microsoft Certified Systems Engineer, CompTIA A+ Certified, a Certified Information Systems Auditor, a Certified Information Systems Manager and a Certified Cybersecurity Practitioner. For the past 21 years, Jason has focused on IT audits and network security in the financial sector and related industries. Performing IT audits, risk assessments, policy creating and maintenance, network security and consultation are among his fields of expertise. Jason enjoys public speaking and working with clients on challenging projects.

Session Summary:

The security of your digital assets is paramount to keeping member data safe and conducting business. Credit Unions spend millions of dollars annually on firewalls, anti-virus software, software and operating system updates and to prevent malware and spyware from affecting operations. Hundreds of new threats emerge every day and add to the skyrocketing costs of keeping our data safe from hackers. We can all agree that the process of physically protecting our networks is an important one that already has our attention. None of us want to be the next local or national news story.

On the other hand, what is the corporate culture of our employees in regard to cybersecurity? Do they only do what they are “not supposed to” because of scare tactics they receive in brief, annual training sessions? What your employees need is a paradigm shift, to experience a culture change, to where they develop a sense of cybersecurity awareness. It is time to “Secure the Human” instead of buying every security appliance possible and not spending the time and effort on your employees. Your end-users are the variables here. Hackers and cybersecurity threats are already a constant. In order to “Secure the Human”, we must develop an atmosphere of constant reinforcement to develop a culture of “good cyber citizenship” for the most important assets of the organization.

Topic Title:  The Hidden Risk of the Auto Lending Boom




CEO, Executives, BOD, Manager, Lending personnel, Staff


Karim Habib, CUNA Mutual Group
Karim Habib is Director of Lending Solutions with CUNA Mutual Group. In this role he is responsible for providing leadership and specialized knowledge of the Lender Development Program (LDP) and is responsible for a team of Sales Managers and Lending protection Managers who deliver lending expertise, coaching, sales training, financial industry insights and Channel Optimization to credit Unions. Karim is also part of the National LDP team which is accountable for achieving critical success factors related to credit union strategic goals and objectives, growth and member penetration. He also ensures that CUNA Mutual Group’s lending expertise is fully leveraged to support credit unions and their members.

Session Summary:

While credit unions are enjoying the recent surge in auto lending, digging deeper into the numbers reveals some potentially troubling trends. During this enlightening session, you’ll gain insights into why your most loyal members may be vulnerable, why you’re not marketing as effectively as you think, and steps to take to strengthen your member relationships.

Topic Title:  Compliance Hot Topics






Juliana Maneno, Compliance Officer, PolicyWorks LLC
As Compliance Officer, Juliana Maneno assists credit unions with their compliance needs. Juliana provides compliance support to affiliated League credit unions and manages League partner relationships, including answering compliance questions, writing compliance articles, and administering compliance training.

Juliana previously worked as a Compliance Manager with the Ohio Credit Union League.

Session Summary:

·     Regulation CC - Learn changes that took effect July 1, 2018
·     Bank Secrecy Act - FinCEN Beneficial Rules
·     Identifying Elder Abuse
·     What is Happening with Overdrafts

2:05 p.m. - 3:00 p.m.

Topic Title:  Spam, Shams & Other Scams




CEO, Executives, Operations, BOD, Managers, Fraud, Risk Managers, Staff


Becky Garton, CUNA Mutual Group
Becky Garton is a risk management analyst in Business Protection Risk Management for CUNA Mutual Group. In this role she assists credit unions in identifying areas of risk in their operations and recommends appropriate controls to reduce loss exposures. Before accepting her current position in 2007, Garton worked as a plastic card loss prevention consultant within the Credit Union Protection Division. Prior to joining CUNA Mutual Group in 2006, Garton worked for Certegy/Fidelity as a trainer and supervisor for chargebacks and compliance. Garton holds a bachelor's degree in elementary education from Edgewood College and is a member of the International Association of Financial Crime Investigators Group.

Session Summary:

Fraudsters continuously plot ways to con or scam your credit union, your employees, and your members. In fact, fraudsters tend to successfully compel a victim to act quickly and let their guard down easily – victims willingly give away personal or corporate information and get tricked into authorizing transactions. Learn which spam, shams, and other scams are hot and identify steps you can take to help your employees and members remain vigilant and minimize risk.

Topic Title:  Organizational Culture and the Impact on Productivity


Organizational Development


CEO, Executives, BOD, Operations, Managers, Trainers, Staff


Bridgette Lipman Morris, University of Louisville
Bridgette Lipman Morris is all about what you say and how you say it, especially when it comes to coworkers and clients. She specializes in internal and executive communication, with a focus on public speaking. Her research and communication plans have been published internationally and she has been working as an “interdepartmental translator” for technology and manufacturing companies, as well as teaching for the past 8 years. In her free time, she works with MBA and MEng programs teaching business communication and project presentation skills. 

Session Summary:

How much does a cubicle wall impact your team’s productivity? We will cover the different dimensions of a corporate culture and discuss how even minor details of the office environment can play a role in employee retention.

Topic Title: 

Transforming the CU Business Model for the 21st Century 


Future of Financial Services 


CEOs, BOD, Executives, Operations, Trainers


Jennifer R. Henning, CCUIP 
Jennifer Henning has more than 20 years of experience in the financial services industry.  She currently serves as Chief Financial Officer for an educator’s credit union in Louisville, Kentucky.  During her tenure, she helped grow the credit union from $160M in assets (2012) to $207M in assets at present.  This growth helped fuel an improvement in the loan to share ratio of 1724 basis points.  She is a former federal regulator serving during the years of the housing crisis, examining banks during the week and closing them on the weekends.  Jennifer lives in Louisville, Kentucky with her husband who is currently completing his 20 years of service with the U.S. Army and her two amazing sons.

Session Summary:

In this session we will take a dynamic view of the credit union industry.  We will review recent threats to the industry, as well as, discuss anticipated threats of the future.  In this forward looking presentation we will explore the Credit Union Value Proposition and its ability to contend with the newest competitive landscape.  It is no longer relevant to only label other credit unions and community banks as our competition; we must begin to operate at Silicon Valley speed. 

Exhibitor Information

The Exhibit Hall is a ONE-DAY event.  Below is a tentative schedule for our vendors:

Wednesday, October 10     
11:00 a.m.    Golf Outing* 
5:00 p.m.   Registration
7:30 p.m.    Opening Dinner & Entertainment* 
Thursday, October 11    
8:00 a.m.   Registration and Exhibit Booth Set-Up
11:30 a.m. - 1:00 p.m.   Exhibit Hall Open with Lunch & Cash Prizes
3:00 p.m. - 5:00 p.m.   Happy Hour & Door Prizes
5:15 p.m.   Exhibit Hall Tear Down
7:00 p.m.   Awards Banquet*

*Ticketed event.  Requires advanced purchase and registration.




Exhibitors fall into one of these three (3) categories:

1.     League affiliates

2.     KYCUL Services business partners and endorsed vendors, and

3.     Non-endorsed vendors.

Business partners and endorsed vendors provide a service or product which has been reviewed by KYCUL Services and which, based upon review and analysis, is believed to be of a quality nature and worthy of endorsement.  Affiliates, business partners and endorsed vendors are clearly identified by signs at their exhibit booths.

The products and services of non-endorsed vendors have not been reviewed or analyzed and KYCUL Services and the League make no representations with regard to their quality.

We encourage credit unions to investigate non-endorsed vendors thoroughly before purchasing their products and services.

Below is the list of current exhibitors.  Please check back frequently as we update our list.

Business Partners:

CUNA Mutual Group (CMG)

Endorsed Vendors:


Non-Endorsed Vendors:


Download Our Event App!

We'd like to announce that 84th KCUL Annual Meeting & Convention has a free, official app. You can download the free official Whova app for our event.

You'll be able to:

  • View the event agenda and plan your schedule.

  • Plan ahead whom to meet at the event by browsing attendee profiles in advance.

  • Send in-app messages and exchange contact info.

  • Find attendees with common affiliations, education, shared networks and social profiles.

  • Receive update notifications from organizers.

  • Access agenda, GPS guidance, maps, and parking directions.

After downloading, sign up on Whova with the email address that you used to RSVP for our event, or sign up using your social media accounts. If you are asked to enter an invitation code to join the event, please use the following invitation code:


Wendell's Retirement Celebration

Join us for a night of elegance and celebration as we pay tribute to one of our own. Wendell Lyons, Kentucky Credit Union League President, is retiring after 32 years of service to the League, Kentucky’s Credit Unions and the national credit union industry. 

We will be honoring Wendell on Thursday, October 11th at 7:00 p.m. during the Awards Banquet.  There are special presenters and surprises in store so you will not want to miss this opportunity to honor our friend.

Kentucky Credit Union League
5111 Commerce Crossings Drive
Suite 210
Louisville, KY 40229

Call: 502-459-8023 or 800-333-5285
Fax: 502-459-0189