Being the Information Security Officer for a financial institution is a big responsibility in today’s world of cyber threats and data breaches. This webinar is for those who are new to the role or have been the ISO for some time but want to review what is expected and how to be successful. As the ISO, part of your responsibility is building and maintaining the Information Security Program. While it has many important elements, there are really 3 basic components: Risk Assessment, ISP Policies and Procedures, and Audit. The Risk Assessment will help you make decisions, the Policies and Procedures document the decisions for your institution ... (more)
This is for Part 3 only. For series pricing, CLICK HERE.
Formal, Informal, Revocable, Irrevocable, Minor Custodial Accounts, Court Ordered Accounts - what does it all mean? It never fails to raise the panic level when someone dumps a binder full of legal documents on your desk and requests to open a trust account, estate account or an account for a minor. This two-hour webinar, which is Part III of a three-part series, will delve into the responsibilities of collecting appropriate documentation, providing ownersh... (more)
Questions regarding deceased renters, payable-on-death clause, living trusts, court orders, Servicemembers Civil Relief Act, USA Patriot Act, Suspicious Activity Reports, power of attorneys, Americans with Disabilities Act, past due boxes, abandoned property and many other legal and compliance issues have caused great concern and confusion for the safe deposit industry. During this webinar, you will receive current information about all of these issues and an in-depth explanation about how they impact on your financial institution and your safe deposit box renters.
David McGuinn<... (more)
2019 brings new and emerging BSA issues to the forefront for examinations. These issues will continue to challenge BSA professionals to stay ahead of the curve in managing risk for your entity.
Understanding endorsements and handling checks is crucial to making sound check cashing decisions. A check is a unique type of contract where ownership can be transferred by way of the endorsement on the back of the item. This program will look at who has the right to endorse the back of a check, and where is proper endorsement placement. We’ll also look at what happens if a check is not endorsed properly, when it may be best not to accept the check at all due to missing or problem endorsements and why we do not put business checks into personal accounts and why we do not give less cash on business accounts.
Many "tricky" issues will... (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. Just in the last six months we’ve seen significant proposed and final regulations changing some thresholds and proposing some additional exceptions from the requirement. 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 ... (more)
It may seem that ACH Rule changes were a bit stagnate for a few years, but there are more coming. And not just for Same Day ACH. You’ll want to plan to join us for this class to ensure compliance. Bring your 2019 ACH Rule Book and we’ll make sure you are comfortable with the changes. We’ll also take a look at what happened last year, as a refresher.
Changes in regulations, interest rates, and advances in technology that shaped 2018 play an even bigger role in the mortgage industry in 2019. To succeed, your organization must be able to keep pace with the changes.
Designed to prepare mortgage employees to comply and excel in their careers, this new webinar series includes three separate webinars presented by industry experts sharing current mortgage trends, best practices and providing real-world examples.
This is Part 1 of 3 of our Thought Leadership Webinar Series. For more information and to sign up for the entire series:
Sign Up Here
Changes in regulations, interest rates, and advances in technology that shaped 2018 play an even bigger role in the mortgage industry in 2019. To succeed, your organization must be able to keep pace wit... (more)
In this comprehensive presentation, Excel expert David Ringstrom, CPA, shares a variety of tricks and techniques you can use to improve the integrity of your Excel spreadsheets. You’ll also discover methods for auditing the spreadsheets created by others. David shows you how to implement a variety of Excel features, including the Hide and Protect feature, the Conditional Formatting feature, the Table feature, the Data Validation feature, and the Custom Views feature. In addition, he explains how to perform dual lookups, sum disparate sections of a spreadsheet, preserve key formulas, identify duplicates, and more.
David demonstrat... (more)
During this webinar, you will learn how to answer your adult account holder's questions on how to set up accounts for grandchildren, for college, and many other reasons to set up minor accounts. We will review the basic legal ownerships you may offer for your minor account holders. We will talk about how to transition them into adult accounts. We will look at do’s and don’ts of account card set up for minors.
For Banks That Are Serious About Taking Onboarding Up a Notch
This dynamic program will help raise the bar when it comes to engaging and training new employees from the start. Showcase your culture to your new hires. Want some ideas on how to polish your culture? Those ideas are included in this highly popular topic.
How do you check all the required boxes while still maintaining the interest of your new hire? Wow them with a genuine interest and care in their success with your organization. Learn how to excel at new employee onboarding.
The TRID requirements can be extremely overwhelming, especially for someone with little or no experience with the requirements. This two-hour introductory level webinar will cover the following and will be presented as always, in a Plain English format!
New W-9 reflects the new 24% back up withholding rate. During this program, we will do a line-by-line review of the W-9 and W-8BEN forms and the subsequent tax reporting to the IRS. This program will focus on what a US financial institution has to do from the tax reporting and documentation process. We will also look at the impact on 1042S reporting changes for nonresident aliens. Your job as a withholding agent has never been so important and the forms emphasize your importance in the tax reporting chain that affects this country and accounts for US persons overseas.
On May 29, 2013, the U.S. Department of Treasury, along with several federal agencies, including the Social Security Administration, the Department of Veterans Affairs, the Railroad Retirement Board, and the Office of Personnel Management, published the Final Rule on the Garnishment of Accounts Containing Federal Benefit Payments. The final rule supersedes the laws of many states pertaining to how financial institutions process garnishments. It will also apply to the processing of state tax levies and warrants.
The Bureau is finalizing amendments to its rule governing prepaid accounts under Regulations E and Z that make modifications to several aspects of that rule and extend the overall effective date of the rule to April 1, 2019.
New comprehensive consumer protections for prepaid accounts under Regulations E and Z, including tailored provisions governing disclosures, limited liability and error resolution, periodic statements, and the posting of account agreements. The final rule also regulates overdraft credit features that may be offered in conjunction with prepaid accounts.
During this webinar, you will receive a compliance c... (more)
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.
The webinar will go line by line through the CTR. You will learn how to avoid pitfalls and common errors. These errors can cost you time and penalties in corrections. You will receive a large handbook of common scenarios at your financial institution plus you will be trained on the latest instructions and interpretations.
What are your responsibilities and warranties?
One of the important factors about ACH Origination is that any sized financial institution can offer the product. But it is a product and you have to know what you are offering, how it works, who you’re offering it to and how to manage your risk. Same Day ACH is another origination product within ACH that you can offer.
The ACH Rules were written so that the Originating Depository Financial Institution (ODFI) carries the origination responsibilities and warranties. As the ODFI, you pass those onto your Or... (more)
During this two hour webinar, you will gain a more in-depth knowledge of Cash Management (aka Treasury Management) products and services. You will learn about all the Cash Management products and services available in the marketplace, identify the products and services your community bank currently offers, what you’re missing, and come up with strategies to implement and offer the right products and services for your bank. You will also learn the "behind the scenes" on the most important products and how they interact with technology.
After attending this webinar, you will wal... (more)
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.
Understanding and quantifying global cash flow is becoming more of a necessity for financial institutions that lend money to businesses. Understanding and analyzing information in personal income tax returns is an important aspect of recognizing the financial condition of loan guarantors. To accurately calculate global cash flow, a lender needs to know how to take information in personal tax returns and apply it correctly.
Lenders will learn how to interpret information in personal tax returns to determine the ability of customers who guarantee loans to add strength to loan requests. We'll work with individual federal tax return form... (more)
This is Part 2 of 3 of our Thought Leadership Webinar Series. For more information and to sign up for the entire series:
Changes in regulations, interest rates, and advances in technology that shaped 2018 play an even bigger role in the mortgage industry in 2019. To succeed, your organization must be able to keep pace w... (more)
Overwhelmed by the 2014 CFPB changes and the subsequent TRID requirements, many lenders grew to dread consumer real estate loans. Some lenders stopped offering these loans altogether. In this webinar, Anne will guide terrified lenders and processors through a simple real estate loan and explain the current compliance rules. This webinar will help you tame those scary real estate loan problems and will be particularly helpful to bankers wanting to offer consumer real estate loans for the first time in several years. The booklet is clear and easy to use...consider it a companion to the popular (more)
Business executives, startup entrepreneurs, and MBA students alike seek a reliable formula for a business plan whether they are writing: