Keeping up with changes and deadlines in the compliance area gets more complex every year. Now, we can assist you with that task.
Carl Pry, a well known and highly respected compliance expert and recipient of the 2015 ABA Distinguished Service Award will be presenting a quarterly update that will address new items to be aware of, deadlines and what's on the horizon. In a simple language webinar format that you can view from you... (more)
Being a notary public is a responsibility assumed by many financial institution employees. Unfortunately, most do not understand the personal liability when agreeing to serve in this capacity. Notaries and others will learn best practices for dealing with issues unique to the financial industry. Help your team know their responsibilities, plus learn basic laws, liability and reviews of various notarial acts.
What?Section 8 of the Real Estate Settlement Procedures Act (RESPA) prohibits unearned fees and kickbacks. Prior to July 2011, the Department of Housing and Urban Development (HUD) had primary responsibility for enforcement of RESPA. HUD was a very active enforcer of Section 8 violations.
The Consumer Financial Protection Bureau (CFPB) assumed control of RESPA, including Section 8, in July 2011. Until recently, CFPB had not been active in Section 8 enforcement. Starting in 2013, however, the CFPB shifted gears, and has become a very active but unpredictable enforcer. In recent years, nearly 35% of all report... (more)
During this webinar, we will look at the top exam issues for 2018 and focus on avoiding the mishaps of poor planning on your examination. This program will move through some of the "hot spots" for BSA this year and help you stay in the clear of traps from the examination process.
It’s 2018 and your examiners are due at your financial institution next month. Will your bank pass the test? This program is designed to update you and help you complete an ODP checkup on your program before the examiners get there. Whether you are automated or ad hoc, whether you are FDIC or OCC examined, there are some themes and specific things the examiners will target in the examination process this year. We will take a look at litigation, federal laws, state law issues and other ODP “hotspots” in this regulatory environment.
This 5 part webinar series will be held on June 1, 8, 15, 22 and 29. Please register for this event HERE.
Designed for bankers new to call report preparation, this series will cover basic reporting requirements, operational schedules, loan schedules, maturity and repricing, and Basel III risk based capital, plus recent accounting changes affecting the Call Report.
Residential construction lending continues to expand slowly, along with the economy, with remodeling maintaining a large share of projects. This program provides an overview of the major issues involved in consumer or residential construction lending, primarily to individuals having a home built or remodeled.
Determining an entity's ability to generate cash flow is essential whenever repayment of a loan will extend beyond one year. Cash flow analysis measures an entity's ability to generate sufficient cash to operate successfully and have excess cash to service annual debt payment requirements. Understanding how to calculate and interpret cash flow is essential for successful financial institutions.
Learn how to calculate cash flow using the Universal Cash Flow Analysis method (UCA), which determines the flow of cash into and out of a business entity. First, we'll define cash flow and identify potential sources and uses of cash. Next w... (more)
Commercial and industrial (C&I) lenders know that non-financial factors such as the borrower’s industry, its competitive market, and its management team play a key role in the ongoing success of the business, as well as timely loan repayment. Commercial real estate (CRE) loans have similar non-financial factors or issues, including the type of property (similar to C&I industry risk), ability to successfully re-lease the property over the loan term (competitive market), and proper management and maintenance of the physical facility.
Presenter: Richard Hamm has been training bankers for 25 years, designing and delivering courses specializing in commercial lending and credit, including portfolio and risk management, commercial real estate (CRE) and appraisals, plus selling and negotiating skills, and director training.
Management should take full advantage of an effective safe deposit audit program as their protection against losses due to negligence or carelessness. The mysterious disappearance of property from either internal theft or burglary must be avoided. You should be sure that procedures are in place to assure that your attendant uses the utmost diligence in making sure there are no exceptions or deviations. For an auditor to properly perform this task, they must be thoroughly familiar with all aspects of your safe deposit operation. This seminar covers the “nuts and bolts” and ... (more)
Alert! Regulation CC Final Amendments Affecting Check Clearing. The Board is amending subparts A, C, and D of Regulation CC, Availability of Funds and Collection of Checks (12 CFR part 229), which implements the Expedited Funds Availability Act of 1987 (EFA Act), the Check Clearing for the 21st Century Act of 2003 (Check 21 Act), and the official staff commentary to the regulation.
In the final rule, the Board has modified the current check collection and return requirements to reflect the virtually all electronic check collection and return environment and to encourage all depository banks to receive, and paying banks to send, r... (more)
For several years, Anne Lolley has shared her popular compliance checklists with bankers. In this latest webinar, Anne will again offer and explain those checklists. The colorful and easy-to-use checklists are designed to chronologically lead lenders and processors through the various compliance requirements, and financial institutions that properly use these checklists will virtually eliminate compliance errors.
The webinar will include a supplementary booklet explaining each checklist requirement. Upon request, Anne will e-mail the individual checklists to anyone attending this webinar. The individ... (more)
Do you know how the term "application" is defined in all of the lending regulations? Do your lenders and front line staff understand the difference between an application and an inquiry? Join this fast-paced webinar to understand the application process with step by step instructions and actual examples that explain the requirements of several confusing regulations in terms that are easy to understand.
BONUS – Reg Z REQUIRES that loan originators have "periodic training" to ensure "knowledge of Federa... (more)
The flood insurance regulations have been around since 1996, yet examiners continue to cite numerous violations and fines. Flood has been announced as one of the regulators' principal areas of concern. We've also had changes in the law, with the Biggert-Waters Flood Insurance Reform Act of 2012, that has influenced compliance efforts. The NFIP was temporarily extended through the end of this year but there are significant changes coming to the program due to severe financial issues. These changes won’t just change the economics of the program; there will be compliance changes, too. We’re not positive what those... (more)
First the Regulators rolled out the Cyber Assessment Tool (CAT), then one year later the FDIC released its new Information Technology Risk Examination Program - or InTREx for short. The examination work program incorporates many of the work steps and review areas from the FFIEC IT Examination Handbook, while incorporating a focus on cyber security and drawing from the CAT declarative statements.
Along with the new work program is a new Information Technology Profile to replace the former IT Officer’ Questionnaire, and a resurrection of the original Uniform Rating System for Information Technology (URSIT), which includes a rating fo... (more)
Hopefully you have experienced that rewarding sensation when a casino slot machine dispenses quarters endlessly in your plastic money bucket. In some cases, with larger payouts, a casino employee may come over and give you cash or a check. Now imagine sitting there at our slot machine when $20,000 in bills shoots out.
Cybercriminals know ATMs are loaded with cash and are investing significant resources in exploiting systems to extract the money. In some cases, causing the cash to shoot out from the ATM. The FFIEC has posted guidance around ATMs to bring awareness to “Unlimited Operations” fraud schemes. We have also seen ATMs inf... (more)
Financial professionals realize that mastery of their profession is not limited to preparing and presenting meeting briefings and firing off summary emails on business issues. Writing proficiency emerges from an ability to draft and edit operational and financial inquiries, fiscal analyses, revenue forecasts, internal justifications, appropriation requests, client proposals, business cases, and other financial documents depending on organizational responsibilities. This webinar provides a systematic, top-down approach to business-writing situations that includes the key principles of focused, thorough, organized, and articulate financial d... (more)
What?Both the Equal Credit Opportunity Act (ECOA) and the Fair Credit Reporting Act (FCRA) contain requirements for providing notice of action taken. This webinar reviews the requirements of both laws and covers common violations and provides solutions.
Examiners closely scrutinize denial notices for compliance with ECOA and FCRA requirements. Adverse action violations are frequently cited in exam reports. Items as simple as the failure to check a box or checking a box that should remain unchecked are frequent vi... (more)
On a daily basis, a financial institution is faced with having to comply with a multitude of legal documents that are served on it. These documents can order your financial institution to produce confidential customer information, hold depositor funds, and can even order it to seize property in its possession belonging to the customer.
If you find these documents confusing and intimidating, attend this multi-state seminar to learn the best practices of how to deal effectively with these documents and the parties who serve them upon you.
All the big financial institutions are raising their fees - should you? More and more, fee revenue has become an important component of financial institution profitability. Average financial institutions misunderstand fee revenue while remarkable financial institutions know how to maximize it by charging the right amount, adopting the right collections policies, and knowing which customers generate the most revenue. Walk away with strategies to enhance your fee revenue and keep your most profitable customers longer.
Join us for a webinar covering Customer Due Diligence & Beneficial Owners.
This is the description from our webinar that was presented in July 2017. Please check back for a modified description. Topics may be updated, but registration is now open.
Everything a commercial loan officer should know about the core commercial loan documentation package, including perfecting security interests on commercial collateral, loan agreements, signature requirements, loan closings and more.
This fast-paced seminar will focus on the purpose, use and content of the six core commercial loan documents: the promissory note, the loan agreement, the security agreement, the guaranty, the letter of credit a... (more)
Prevention is our primary focus in protecting our institutions, but how would we know if we failed to prevent an attack? Knowing what threats are realistic for your institution and how to detect them is a challenging task. Some statistics suggest it would take us more than 180 days to detect a breach. This would suggest we don’t know what realistic threats are to us and how to see them within our institutions.
Once we identify a threat, we need clear steps to contain, eradicate, and recover. In this session we will explore possible threats that we should be prepared for and how to build a program to protect against them. This progr... (more)
Equipping New Managers with Creative Success StrategiesWhat is the value of creating a true onboarding process for a new manager? For starters, it positively affects engagement, turnover and the bottom line. The blowback of putting someone in a managerial role without giving them the necessary tools and know-how is a real setup for failure, at worse, and delayed success at best. New managers that are ill prepared for their role will meet morale issues, compromised quality and over the top stress. When have you ever met a stressed-out manager, who had a calm team. Learn how to reduce the risk of a mediocre per... (more)