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Overdraft Protection Programs

Monday, February 27th, 2017 11:00 am - 1:00 pm ET

WHAT

Banks are aware that the regulatory environment surrounding overdrafts is now at the forefront of regulatory rulemaking, and many still face confusion regarding which Overdraft Protection guidance is applicable. This awareness is attributed both to the increased scrutiny banks are experiencing during their regulatory examinations, as well as the material number of regulatory documents issued on the subject by a host of regulatory agencies. No bank wishes to be the next bank taken to task for their overdraft practices which have withstood scrutiny for multiple examinations.

Beginning in 2005, there h... (more)

Presenter: Don L. Blaine is the Senior Training Consultant for Compliance Resource, LLC. Don has over 30 years of experience in regulatory compliance for the banking industry with banks ranging in size from community banks to money center banks. He provides training on Bank Secrecy Act/Anti-Money Laundering and deposit compliance. His prior roles have included: Chief Compliance Officer, Senior Compliance Reg... (more)

Basic Personal and Business Tax Return Analysis

Monday, February 27th, 2017 2:30 pm - 4:30 pm ET

Attend this proactive seminar to gain an understanding of the often complex and confusing topic of TAXES!

Bank personnel are required to obtain and properly interpret tax returns for both commercial and consumer lending purposes. The first part of this seminar will concentrate on personal tax return analysis, and the second part will focus on analysis of various business tax returns.

Presenter: David L. Osburn is the founder of Osburn & Associates, LLC, a Business Training and Contract CFO Firm that provides seminars, webinars, and keynote speeches for CPAs, bankers, attorneys, credit managers, and business owners on topics such as Banking/Finance/Credit, Negotiation Skills, Marketing, and Management Issues. Mr. Osburn’s Contract CFO clients include medical practitioners, financial insti... (more)

FCRA Review and Update

Thursday, March 2nd, 2017 11:00 am - 1:00 pm ET

WHAT? The Fair Credit Reporting Act (FCRA) has been around since the 1970s. The law was fairly straightforward for many years. Then the Fair and Accurate Credit Transaction Act (FACTA) became law on December 4, 2003. The FACT Act revised the FCRA. The revisions, which unfolded over an eight-year period, resulted in substantial changes for all financial institutions.

To understand the various provisions of the law today, research must include both the FCRA and FACTA and the Consumer Financial Protection Bureau's (CFPB) Regulation V and the Federal Reserve Board's (FRB) Regulation V. It is all a bit of a jumble.

... (more)

Presenter: Jack Holzknecht is the CEO of Compliance Resource, LLC. He has been delivering the word on lending compliance for 39 years. In 34 years as a trainer over 125,000 bankers (and many examiners) have participated in Jack’s live seminars and webinars. Jack’s career began in 1976 as a federal bank examiner. He later headed the product and education divisions of a regional consulting company. There he d... (more)

Achieving Unclaimed Property Compliance Best Practices for the Banking Industry

Thursday, March 2nd, 2017 2:30 pm - 4:30 pm ET

When unclaimed property is not correctly managed and reported, the risk of audits, fines and penalties becomes a reality. This webinar provides an overview of the law and basic tips to better manage and control this important compliance responsibility.

The normal, everyday operation of your institution results in the generation of unclaimed financial obligations, where customer accounts that are not properly tracked and checks that are not cashed or remain outstanding, may become reportable as unclaimed property.

When unclaimed property obligations are not correctly aged, managed and reported, the risk of state audits, subseque... (more)

Presenter: Barbara Rice joined Keane's Consulting and Advisory Services team in February 2013 as the State Compliance Liaison. She brings over 20 years of unique and diverse experience as a former state unclaimed property administrator.

Uniform Commercial Code Rules: How to Comply to Attach and Perfect Secured Transactions

Friday, March 3rd, 2017 11:00 am - 1:00 pm ET

Many loans extended by commercial banks are secured by personal property, which is governed by Revised Article 9 of the Uniform Commercial Code (UCC). The UCC governs secured transactions by taking most kinds of collateral for loans. It answers questions such as:

  • How to protect rights to collateral against the claims of others
  • How to describe collateral in security agreements and financing statements
  • Where to file financing statements.

Commercial/Consumer Lenders and Loan Administrators must understand Revised Article 9 as it relates to collateral attachment and perfection of personal property. We'll ... (more)

Presenter: Jeffery W. Johnson started his career with SunTrust Bank in Atlanta as a Management Trainee and progressed to Vice President and Senior Lender of SouthTrust Bank and Senior Vice President and Commercial Banking Division Manager for Citizens Trust Bank of Atlanta.

Commercial Construction Lending

Monday, March 6th, 2017 2:30 pm - 4:30 pm ET

Construction loans for commercial real estate (CRE) remain a major part of commercial bank lending. Many community banks attempt to use versions of their residential formats and policies to administer commercial construction loans; however, this generally does not adequately control the situation due to several important differences between residential and commercial projects.

This program provides an overview of the key steps involved in effectively administering commercial construction loans.

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.

Health Savings Accounts

Tuesday, March 7th, 2017 11:00 am - 1:00 pm ET

Don’t you just LOVE when people quote IRS regulations to you? You know, regulations written by those who have never worked in a financial institution and have to work with the general public and their levels of knowledge on a day-to-day basis???

For the last 13 years since HSAs have been introduced, you would think the understanding of these account would get better, but they still breed so much confusion and interpretation that they are steeped in misunderstanding by both customers and the bank and credit union employees - causing hours of corrections all year long. We are brain-washed into a customer-service mindset and ignoring our ... (more)
Presenter: Patrice M. Konarik is president of Sunwest Training Corp. founded over 20 years ago and is located in the Texas Hill Country near San Antonio, Texas. With over 30 years experience in the financial industry, Patrice has focused her expertise on the retirement and new account areas and is currently providing live training and webinars on these subjects on a nationwide basis. She has a BS In Manageme... (more)

Compliance 101: Rules for Consumer & Mortgage Lenders

Tuesday, March 7th, 2017 2:30 pm - 4:30 pm ET

This session will cover key lending consumer compliance regulations (highlights of the Equal Credit Opportunity Act, HMDA, Flood, RESPA, Truth in Lending, and Fair Credit Reporting). It will also include a Bank Secrecy Act overview outlining “Five Reasons Lenders Should Have BSA Training”. We’ll review “what’s old, what’s new, and what’s to come”.

Presenter: Susan Costonis is a compliance consultant and trainer. She specializes in compliance management along with deposit and lending regulatory training and began her career in 1978. Susan has successfully managed compliance programs and exams for institutions that ranged from a community bank to large multi-state bank holding companies. She has been a compliance officer for institutions supervised by t... (more)

Vital Check and Deposit Issues

Wednesday, March 8th, 2017 11:00 am - 1:00 pm ET

Every single day the frontline handles routine matters that can cost your financial institution thousands of dollars if there is an error. For example, your teller may take deposits and fill out deposit slips for customers, but what will happen if the deposit goes into the wrong account and checks are bounced because of the teller’s action? What if an authorized signer on a personal account deposits his check into the account and it is returned? Can a joint owner withdraw funds from an account if he or she never signed the signature card contract? These operational and day to day dealings with your customer may lead your institution into l... (more)

Presenter: Deborah Crawford is the President of Gettechnical Inc., a Virginia based training company. She specializes in the deposit side of the financial institution and is an instructor on IRAs, BSA, Deposit Regulations and opening account procedures. She was formerly with Hibernia National Bank (now Capital One) and has bachelor's and master's degrees from Louisiana State University. She has 27 years of c... (more)

Best-Ever Compliance Checklists for Commercial Loans

Wednesday, March 8th, 2017 2:30 pm - 4:30 pm ET

We tend to think of business and agricultural loans as exempt from troublesome compliance requirements. But several compliance-related laws apply to commercial loans as well as consumer loans.

This colorful checklist, patterned after the popular Best-Ever Consumer Checklists, will guide bankers through those traps and ensure compliance. In addition to addressing compliance issues, this checklist (and the accompanying handout) will provide "best practice" suggestions and reminders that commonly apply to commercial loans. We'll include information on business-entity documentation, underwriting documents, guarantors and security interes... (more)

Presenter: For over thirty years, Anne Lolley has been simplifying compliance issues for bankers. After earning her law degree from the University of Kansas, she joined the Kansas Bankers Association, where she developed its successful legal department and gave compliance-related seminars. She has been a compliance officer for two banks and currently works with Bank Management Services, where she continues t... (more)

Legal Liabilities when Check Fraud Occurs

Thursday, March 9th, 2017 11:00 am - 1:00 pm ET

Check fraud losses are estimated to exceed $18 billion each year. A recent nationwide counterfeit check operation is projected to have caused over $9 million in losses. With more and more counterfeit checks flooding financial institutions, this number is sure to increase.

Unfortunately, most financial institutions don't understand their legal rights and responsibilities for dealing with check fraud when losses occur. If you're confused about what your financial institution's legal responsibility might be in various check fraud situations, this seminar is for you.

Presenter: Terri D. Thomas is Senior VP and Legal Department Director for the Kansas Bankers Association. Prior to this, she was with "Bankers Choice," a financial consulting firm. Before this, Terri was employed in the financial industry for over twenty-three years in various capacities. Most notably, she served for fourteen years as in-house legal counsel and trust officer for Bank of America and its Kansa... (more)

Regulation E Final Changes on Prepaid Cards

Thursday, March 9th, 2017 2:30 pm - 4:30 pm ET

The Consumer Financial Protection Bureau (CFPB) finalized strong federal consumer protections for prepaid account users. The new rule requires financial institutions to limit consumers’ losses when funds are stolen or cards are lost, investigate and resolve errors, and give consumers free and easy access to account information. The Bureau also finalized new “Know Before You Owe” disclosures for prepaid accounts to give consumers clear, upfront information about fees and other key details. Finally, prepaid companies must now generally offer protections similar to those for credit cards if consumers are allowed to use credit on their account... (more)

Presenter: Deborah Crawford is the President of Gettechnical Inc., a Virginia based training company. She specializes in the deposit side of the financial institution and is an instructor on IRAs, BSA, Deposit Regulations and opening account procedures. She was formerly with Hibernia National Bank (now Capital One) and has bachelor's and master's degrees from Louisiana State University. She has 27 years of c... (more)

BSA Emerging Issues 2017

Friday, March 10th, 2017 11:00 am - 1:00 pm ET

It’s time for the Spring update on BSA. We will cover topics from alert to SAR filing, plus timing, closing accounts and investigations, as well as new payment mechanisms, and new groups of high risk customers. Everything you need to know to succeed this year at the BSA desk. You won’t want to miss this update.

Presenter: Deborah Crawford is the President of Gettechnical Inc., a Virginia based training company. She specializes in the deposit side of the financial institution and is an instructor on IRAs, BSA, Deposit Regulations and opening account procedures. She was formerly with Hibernia National Bank (now Capital One) and has bachelor's and master's degrees from Louisiana State University. She has 27 years of c... (more)

Advanced Tax Return Analysis for the Banker

Monday, March 13th, 2017 11:00 am - 1:00 pm ET

Learn about several advanced tax return concepts and related analyses to help you work more effectively with your bank's business customers.

We will begin with a brief review of analyzing a business owner’s personal “1040” tax return, as well as the return of an LLC, S corporation, and C corporation - including Schedules M-1 and M-2, Schedule K-1, pass-through transactions, and other deductions.

Then we will cover more “advanced” tax topics - listed below - related to business clients. Each topic will be presented from the perspective of more <... (more)

Presenter: David L. Osburn is the founder of Osburn & Associates, LLC, a Business Training and Contract CFO Firm that provides seminars, webinars, and keynote speeches for CPAs, bankers, attorneys, credit managers, and business owners on topics such as Banking/Finance/Credit, Negotiation Skills, Marketing, and Management Issues. Mr. Osburn’s Contract CFO clients include medical practitioners, financial insti... (more)

Critical Issues on Certificates of Deposit (CDs)

Tuesday, March 14th, 2017 11:00 am - 1:00 pm ET

Still put a piece of paper into a sleeve and give it to the customer and call it a CD? It might be old fashioned but many institutions still handle nonnegotiable CDs much like they handled the negotiable instrument of days gone by. As we transition from the traditional Certificates that are negotiable to the signature card contract certificates of deposit, what rules apply and what do not anymore? Let's look at the procedures which might not make sense anymore such as Loss of CD Affidavits. It might mean that you need signatures of all parties and not just the one opening the account. Old school might not work in today's legal and regulato... (more)

Presenter: Deborah Crawford is the President of Gettechnical Inc., a Virginia based training company. She specializes in the deposit side of the financial institution and is an instructor on IRAs, BSA, Deposit Regulations and opening account procedures. She was formerly with Hibernia National Bank (now Capital One) and has bachelor's and master's degrees from Louisiana State University. She has 27 years of c... (more)

Residential Construction Lending

Wednesday, March 15th, 2017 11:00 am - 1:00 pm ET

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.

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.

What to Do When a Customer Dies

Thursday, March 16th, 2017 11:00 am - 1:00 pm ET

Ironically, when a financial institution learns a deposit or loan customer has died, confusion and dread seem to be the normal reaction. We'll walk you through the complicated process of dealing with a customer's death - both on the deposit side and the loan side, as well as unique issues when doing business with the decedent's estate.

Presenter: Terri D. Thomas is Senior VP and Legal Department Director for the Kansas Bankers Association. Prior to this, she was with "Bankers Choice," a financial consulting firm. Before this, Terri was employed in the financial industry for over twenty-three years in various capacities. Most notably, she served for fourteen years as in-house legal counsel and trust officer for Bank of America and its Kansa... (more)

Cybercrime and the Dark Web

Friday, March 17th, 2017 11:00 am - 1:00 pm ET

Criminals looking to buy or sell their illegal items have long depended on the black market to conduct their trades. With the evolution of technology, we have brought these markets to the internet.

We will explore the different aspects of the internet, including the surface web, deep web, and dark web. The deep and dark parts of the internet allow criminals to exchange illegal goods and services, such as Silk Road. This site was designed to buy and sell drugs anonymously. Cybercriminals are also leveraging the web to buy and sell their stolen data or cyber products and services.

Understanding how the internet is leveraged for crime gi... (more)

Presenter: Chad Knutson is a Senior Information Security Consultant and serves as President of the SBS CyberSecurity out of Madison, SD. SBS is a leader in information security consulting for the financial industry in the US. SBS works with more than 900 banks around the country on information security services such as the development of Information Security Programs, Policies, and Risk Assessments, along w... (more)

Analyzing Appraisals for Mortgage Decisions

Tuesday, March 21st, 2017 2:30 pm - 4:30 pm ET

The date of this webinar has been changed from its original date of March 15th, 2017.

Proper valuation of collateral is critical. Yet most people reviewing appraisals have never been properly trained in how to review this critical information.

Presenter: The webinar leader is J.T. Turner, who has over 28 years of experience in the lending industry. He has worked as a trainer for the past 22 years, in areas of lending, underwriting, origination, quality control, and personal growth. He is a seminar leader for the Center for Financial Training, a member of the Franklin Speakers Bureau, and past member of the National Speakers Association. J.T. is al... (more)

Call Report - Lending Schedules for Banks

Wednesday, March 22nd, 2017 11:00 am - 1:00 pm ET

Loan information on the Call Report provides critical credit information for regulators, especially in today's environment. Examiners are reviewing call report schedules in much more detail than in the past. The rules for schedule RC-C dictate how loans are to be reported on all loan schedules, including the income statement, charge-offs and recoveries, averages, and past dues and non-accruals. This webinar will help you learn the classification priority for reporting loan information correctly and will provide detailed information on unused commitments and interest rate lock commitments.

In addition, learn what to include in the new... (more)

Presenter: Ann Thomas has thirty years of experience in bank accounting and control. She received a BA in Accounting from the University of Houston in 1982. From 1982 through 1997 she worked with Judith Alexander Jenkins, as Alexander & Associates and subsequently Alexander & Leavelle, providing planning, financial reporting, regulatory reporting, and operational and compliance auditing services to over nine... (more)

Loan Documentation: Top 10 Mistakes and How to Avoid Them

Wednesday, March 22nd, 2017 2:30 pm - 4:30 pm ET

This webinar draws upon the speaker’s 25 plus years of teaching loan documentation and practicing law. Experienced bankers will benefit from confirmation of knowing "the right thing to do." New lenders will learn to avoid the most frequent exceptions and loss-causing mistakes.

All types of collateral are covered. Participants will receive a handout that can be used immediately to improve your loan documentation practice.

Presenter: Robin Russell has practiced law for 29 years and is licensed in Texas, New York and Massachusetts. She is a fellow in the American College of Bankruptcy and of the American Law Institute. She combines a depth of experience in bankruptcy restructuring and litigation with financial transactions. She has represented corporate debtors, independent directors, liquidating trustees, bondholders, unsecu... (more)

2018 HMDA Bank and Reportable Transaction Coverage Requirements

Thursday, March 23rd, 2017 11:00 am - 1:00 pm ET

Have you started preparing for the 2018 Home Mortgage Disclosure Act (HMDA) changes? Let’s be blunt. Major change is on the horizon. Although the effective dates may seem distant, your implementation plan should already be in motion!

We'll cover the upcoming HMDA changes and deliver plain English interpretations and guidance.

Presenter: David's banking career began as a field examiner for the FDIC in 1990. He later became a Loan Officer for a 110-million dollar bank. In 1993, he established Banker's Compliance Consulting. Along with his amazingly talented Team, he has written numerous compliance articles for prestigious banking publications and has developed compliance seminars that Banker's Compliance Consulting produces.

Training the Trainer

Thursday, March 23rd, 2017 2:30 pm - 4:30 pm ET

Polish your training skills.

If you are responsible for training others, this is for you! Discover how to develop and deliver training that sticks. You will learn how to increase your personal impact, remove resistance to training, and introduce a splash of fun to your training.

This webinar is packed with creative ideas and techniques that will increase participation and involvement via affordable yet effective resources. New trainers will grow professional maturity from this webinar. Seasoned trainers will find a personal balance and a renewed focus on training.

Presenter: Honey Shelton brings the best of both worlds to her speaking and training engagements. She has 30 plus years of experience as a training and quality improvement consultant for banks and banking associations across the country. Her substantial banking background includes spending three years as Executive Vice President/Chief Retail Banking Officer with a $1 billion south Texas bank.

Addressing Threats of Violence

Friday, March 24th, 2017 11:00 am - 1:00 pm ET

Incidents of workplace violence are on the rise. Employees make threats or do harm to co-workers or property. The results are sometimes catastrophic, yet often they could have been prevented.

Threats of violence require prompt, sometimes immediate, action, but many organizations aren't prepared. They don't have in place policies, training, or understanding of overall practices and processes that can prevent, identify, act and deal with the aftermath and crucial follow-up issues.

We'll review legal and practical issues related to workplace violence, including the ADA Direct Threat standards, and we'll address policies and best p... (more)

Presenter: Bob Gregg, Boardman & Clark Law Firm in Madison, Wisconsin, has been involved in employment relations for more than 30 years. He litigates employment cases, representing employers in employment contracts, discrimination cases, FLSA, FMLA and all other areas of employment law. His main emphasis is helping employers achieve enhanced productivity, creating positive work environments and resolving emp... (more)

BSA Model Validation - Are You Talking to Me?

Monday, March 27th, 2017 2:30 pm - 4:30 pm ET

WHAT? Prior to 2011, there was no mention of the adequacy or deficiency of a BSA Model Validation in any examination report, audit report or enforcement action. That year, the OCC and Federal Reserve issued guidance called “Supervisory Guidance on Model Risk Management,” and it has become ear-splittingly clear over the last five years that all banks, regardless of size or regulator, which use an automated transaction monitoring system, are expected to undergo an independent, periodic validation of their monitoring system to ensure it’s not "garbage in, garbage out."

Banks now turn this validation task over to third p... (more)

Presenter: Jack Holzknecht is the CEO of Compliance Resource, LLC. He has been delivering the word on lending compliance for 39 years. In 34 years as a trainer over 125,000 bankers (and many examiners) have participated in Jack’s live seminars and webinars. Jack’s career began in 1976 as a federal bank examiner. He later headed the product and education divisions of a regional consulting company. There he d... (more)

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