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 monthly one-hour compliance 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 your office, Carl will make sure you have the information you need to keep your financial institution in compliance.
This webinar has been re-scheduled from its original date of March 28, 2017.
We are about 18 months into the TRID rule implementation. How are things going for you? You've probably run into many of the same issues many of your peers are, and you likely have many of the same questions. Hopefully it comforts you to know you're not alone!
This webinar is intended to review and discuss many of the major issues lenders are facing with TRID (TILA-RESPA Integrated Disclosure), including as-yet unresolved questions and how to deal with them. As well, there are m... (more)
One of the most interesting types of businesses is also the most complicated. Learn how to open, document, change signers, and handle the paperwork on these accounts. From single member to multiple member LLCs, we'll cover all the definitions, tax reporting, CIP and due diligence issues for opening a deposit account for a Limited Liability Company (LLC). You'll receive a state-specific chart and
help with understanding the ins and outs of these deposit relationships.
This webinar provides an essential understanding of letters of credit, including letter of credit terminology, structure and function. Whether your bank issues letters of credit, accepts letters of credit or takes liens on letter of credit rights, this program is for you.
Both commercial letters of credit and standby letters of credit will be discussed, their content, conditions precedent to payment and the mechanics of their actual presentment for payment. Bankruptcy issues and common problems will also be reviewed.
Will your financial institution experience more debit card fraud investigation in 2017? A November 2016 report from the Federal Reserve found that debit card losses to merchants, cardholders and issuers increased 44 percent from 2013 to $2.41 BILLION in 2015.
Our topic for the webinar will focus on several simple steps to handle Reg E customer disputes and inquiries. Understanding the rules will help you satisfy the regulators but can also SAVE YOUR FINANCIAL INSTITUTION MONEY by only paying the claims that you are required to reimburse for unauthorized transactions. We will review ... (more)
During this webinar, we will look at the top exam issues for 2017 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.
Join us for a webinar covering the flood insurance compliance HOT SPOTS. We will cover the latest requirements, guidance, best practices and compliance hot spots.
When a bank enters into a lending arrangement with a borrower, or some time thereafter, the bank may wish to sell a portion of the loan to another bank. Or a bank may wish to purchase a portion of a loan made by another bank. Such transactions may occur in connection with short-term borrowings, term loans, construction loans or other forms of extension of credit. This area of lending is closely monitored by banking regulators because of the inherent risk in this type of lending, and banks' failure to take precautions to avoid undue problems.
Learn the basic requirements for successful loan participations or syndications.
This p... (more)
Ratios, ratios, and more ratios! What do they really mean? Many financial professionals including bankers use financial ratios on a regular basis. But do they always use the same ratios and more importantly, do they always interpret the ratios in the same manner?
Attend this proactive webinar and learn a “five-step” analysis plan including liquidity, activity, leverage, operating performance, and cash flow analysis that will clarify and “unify” this often confusing financial subject. Upon completion of this webinar, the bank employee will be able to better negotiate with their business client... (more)
Excel expert David Ringstrom, CPA, shares a variety of tricks and techniques you can use to improve the integrity of your Excel spreadsheets during this live presentation. You’ll also discover methods for auditing the spreadsheets created by others.
David covers several Excel features, including hiding and protecting formulas, the Conditional Formatting feature, the Table feature, the Data Validation feature, and the Custom Views feature. In addition, he explains how to:
Regulation CC is the regulation governing the availability of funds for transaction accounts and the holds that financial institutions can place on checks. This regulation was passed in 1988 and continues to be one of the toughest compliance problems in financial institutions around the country.
Can we place a hold on a cashier’s check? How many days can we hold checks on a new account? Does this apply to business accounts? Do we have to give the hold while the customer is there or can we mail it later?
These questions will all be addressed in this informative and easy to follow program for the frontline. You'll need a copy of... (more)
This is a three-part series. The prices below are include all sessions. Each session can also be attended individually by clicking on the links below.
Account title vs. ownership indicated vs. authorized signer on the legal document...Does it really matter on a personal account? You bet it does! It's ALL about ownership vs. access, and who on the account has the authority to do what. We're beyond the days where we let our accountholders tell US how they're going to title accounts. For a complete description or to attend Part I... (more)
This is for Part I only. For series pricing, CLICK HERE.
Account title vs. ownership indicated vs. authorized signer on the legal document...Does it really matter on a personal account? You bet it does! It's ALL about ownership vs. access, and who on the account has the authority to do what. We're beyond the days where we let our accountholders tell US how they're going to title accounts. When we look at a legal document, 4 points must be clear:
Security, Disasters and Self-Service Boxes
How to Reduce Your Safe Deposit Box Liability and Improve Your System:
Recent safe deposit vault burglaries, devastating fires, Tropical Storms Sandy and Allison, Hurricanes Ike, Katrina, Rita, Wilma and Andrew and damaging tornadoes, raging floods and many other nationwide disasters have significantly impacted our safe deposit industry. Following these tragic events, financial institutions have been confronted with some very difficult challenges, decisions and very significant lawsuits.
Did you inherit the safe deposit area and then start wondering what liabilit... (more)
The go-to webinar for branch leadership!
How do you remain competitive when there is a branch on every corner and the world-wide banks chasing your customers? Make every customer encounter count! Get creative about how to make opportunities happen at your branch. Your company has invested in people, locations and product; lead the way at your branch to get a remarkable return on your investments. How do you do that?
Successful leadership is the key to a successful branch. Tune into this timely webinar and discover what you can do to boost morale among the troops so they can boost service delivery and cross-selling!
Every banker should have a fundamental understanding of the U.S. Bankruptcy Code and your bank's rights and obligations thereunder. This webinar will introduce you to the world of bankruptcy. It is designed for lenders and support staff with the goal of educating them on the fundamentals of both consumer and commercial bankruptcy law. Practical information for daily use will be provided.
This is for Part II only. For series pricing, CLICK HERE.
Managing risk is the #1 priority for all financial institutions and it all starts at the new account desk. Well-trained bankers who can recognize and stop attempted dishonest activity are the first line of defense in protecting a financial institution. Unfortunately, too often, new account personnel are trained "on the job" which results in an environment of potential vulnerability and unnecessary losses. This risk is magnified when dealing with business accounts. When opening a commercial accoun... (more)
The past few years have seen significant developments in real estate appraisals and evaluation rules and regulations. Revised Interagency Guidelines and new rules under Reg Z have been issued, and we've seen additional requirements finalized recently due to Dodd-Frank. In some cases (called "flipping transactions"), lenders will even have to obtain two appraisals on the same property for one loan.
Because breakdowns in appraisal practices have been partly blamed for the mortgage crisis, regulators have raised their expectations; lenders' appraisal and evaluation programs must include more elements than ever before. Some themes now em... (more)
This webinar is designed to give mortgage lenders a better grasp of tax returns and their importance in making quality loan decisions.
Robberies occur every day. Your best defense is to have a plan and practice that plan. In this session, we will discuss methods of robbery prevention, including policies and physical security, as well as robbery response. Best practices for safely opening and closing your facilities will be covered, and you will hear what robbers are looking for in their own words. Additionally, we will examine current cases to extract what went wrong/right. Attendees will learn life-saving personal safety tips and discover the importance of situational awareness.
According a Federal Reserve Board Report, 87% of Americans use a mobile phone. Of those with a bank account, 43% of mobile users have used mobile banking in the previous year. Within mobile banking, 58% move money between accounts, 48% deposit checks, and 47% conduct Bill Pay. The Report also sees the growth of mobile banking and payment solutions continuing to rise. Apple Pay, Android Pay, and Samsung Pay have taken on more transactions, with 33% of mobile users saying they have conducted an in-store purchase with their device.
For financial institutions, the strategic value of mobile financial services must be balanced with appropr... (more)
In an unprecedented interest rate environment, we will share strategies that allow lenders to address these essential questions: How can I offer a longer fixed rate loan when competing with a national bank? How can I make my loan instantly profitable through an additional source of non-interest income? How can I embed a prepayment penalty so my prospect does not have to come out of pocket? How can I offer a construction loan with a committed fixed-rate takeout? How can I offer borrowers the most value while maximizing relationship retention rates for the bank?
Lending is all about risk management. This seminar is designed to take the "mystery" out of the commercial lending process and the confusing terminology often used by lenders.
Support personnel have a key role and stake in the commercial and business lending process, and they can help to create a safe and sound loan portfolio. Many would say that support personnel are the backbone of a good leading team. This program takes the perspective of a non-lender, and what goes on during the process of analyzing and approving a loan, focusing on commercial and business loans.
Understanding and controlling the impact of economic changes on deposit costs ranks as the single greatest risk to bank financial performance as interest rate rise. In every increasing interest rate cycle since 1990, bank margins have compressed due to faster increases in funding costs versus asset yields. Given most bank's heavy concentration in non-maturity deposits today, the potential volatility to costs are greater now than ever before.
In this session, we will examine how a bank might review its depositor composition and changes in that makeup over the past decade to better craft pricing strategies and design products aimed at ... (more)