This is a three-part series to be held on October 20th, November 2nd and November 18th. The prices below include all sessions. Each session can also be attended individually by using the links below.
What’s the difference between learning and training? Why doesn’t training always stick? Who is responsible for “the stick”? Join Vicki Kraai and find out why, at any company, learning isn’t just the job of the training department!
You will learn that training isn’t always the right answer to performance problems or enhancements. There is a myriad of reasons why people don’t perform well and a company’s first response often is “we need more training!”
The most common performance-related issues are caused because learners don’t…
There are two major sources of red flags: the systems and the frontline. What are your procedures from systems or frontline to investigation to SAR?
These procedures could save your financial institution from expensive fraud and money laundering, or if improper, they could result in lack of a systematic approach to the AML program. This program includes a review of the New SAR and its new data fields.
When it comes to flood insurance compliance there is a lot to remember and even more ways to mess it up. There are determinations, notices, calculations, timing requirements, etc., that you must get right. There’s little to no room for error! You also have to deal with federal regulatory requirements vs. insurance industry requirements which can muddy the waters even more. Failure to comply can also result in hefty civil money penalties. This is an area you want to ensure your financial institution gets right!
Are you the new Deposit Compliance Officer? What do you have to do and what do you have to know? It’s a big job and you have many different regulations to get a handle on.
To register for the full IRA Series, click HERE.
Now it’s time to check everything we – and those who came before us – have done to the IRA files. Increased IRS Penalties for Incorrect IRA Reporting to the IRS!! The IRS is losing patience – especially with financial institutions who do not complete the IRA 1099-R and 5498 IRS forms correctly. The Treasury Inspector General for Tax Administration (TIGTA) estimates over a million dollars in additional taxes could be collected on IRA distributions that have not been taken. When the IRS a... (more)
This is for Part 2 Only. For series pricing, CLICK HERE.
Compliance with the Bank Secrecy Act continues to be a supervisory priority so it’s important for new BSA Compliance Officers to have a good grasp of the requirements and, more importantly, where to get answers to questions that may arise. This session will provide new BSA Compliance Officers with information on the laws and rules, as well as guidance on resources that can help make their jobs easier.
The "BSA 101 for New BSA Compliance Officers" webinar has been approved for 1 ... (more)
Responsibility for the vault, maintining teller cash limits, and exercising dual control are among the most important responsibilities in the branch. Auditors and examiners continuously cite financial institutions for lack of "dual control" or inadequate control procedures. Regardless of how many staff members there are, the branch responsibiiltiies must be adequately completed and a solid documentation trail is essential to protecting yourself and your fellow employees. No one wants to be the subect of an investigation for missing cash! Take time to join us to ensure your branch control processes are solid, understand the reasons for t... (more)
Your financial institution’s most precious asset is its frontline. Today’s program will take a look at procedures for the teller. What needs to go into the procedures? What needs to stay out? Who should write the procedures and what is the purpose?
In today’s environment is important to get every branch on the same page and set expectations on handling cash, checks, security and all the issues that teller’s face. Join us for an overview on writing teller training and procedures. They go hand in hand with success at the frontline.
Excel expert David Ringstrom, CPA, shares a variety of tricks and techniques you can use to create and automate Excel charts in this informative session. He covers several helpful features Excel offers, including the Recommended Charts feature, the Sparkline feature, and the PivotChart feature. In addition, David shows you step-by-step how to avoid repetitive formatting, create self-updating chart titles, summarize data based on a single criterion, and liven up your charts with clip art.
David demonstrates every technique at least twice: first, on a PowerPoint slide with numbered steps, and second, in the subscription-based Offi... (more)
Your account holder, the federal government or the court has named someone legally to act on his or her behalf. Now what?
What can these caregivers and fiduciaries do? What supporting paperwork must each bring? During this program we will review the set-up, documentation and legal issues involved in these high- risk accounts. You will learn how to style these accounts and get the signature card perfect every time.
A good sales coach motivates salespeople by coaching to their individual hopes and dreams and by holding them accountable. They help them generate more revenue with intentional, ongoing coaching to improve skills, not just the deal at hand. When sales managers spend at least 50% of their time coaching, their RMs are 49% more productive.
In this webinar, sales coaches will learn the five critical steps that you must master and execute in order to get the best effort and results out of your salespeople. Most sales managers have evolved from being a ‘player’ to being a ‘coach’. This webinar will help participants understand the funda... (more)
When do examiners assess civil money penalties for compliance violations? Do your commercial lenders and support staff understand the data collection required for HMDA-reportable applications? Is a written application required for a business-purpose loan? Real-life examples are used to explain how applicable regulations apply during the commercial loan application process. What are the top FIVE compliance requirements that are cited as violations in the Commercial Lending Area? The webinar includes an overview of including Fair Lending laws, Flood Disaster Protection Act, accommodation loans, HMDA, and insider lending.
This program covers important legal issues and concepts which must be understood and consistently applied to enforce the Bank’s liens and other legal rights, avoid litigation and better serve customers. The goal is to provide an opportunity to learn or confirm your understanding of a variety of legal issues lending personnel deal with daily.
Banks continue to deal with commercial real estate (CRE) loans as a major portion of their loan portfolios. Also, many borrowers still have large holdings of income-producing or rental real estate. Whether directly financing these assets or including the income stream(s) in your overall credit analysis, it is important to understand key analytical concepts utilized in evaluating CRE cash flow.
This program covers the key variables and concepts for determining CRE cash flow and transaction-level stress-testing. We'll learn that CRE cash flow involves more than earnings before interest, taxes, depreciation and amortization (EBITDA) for... (more)
In a sense, servicing consumer mortgage loans has always been a bit of the "wild west" of compliance, meaning there was little in the way of rules and regulations. But thanks to the COVID-19 events of 2020, including the difficulties so many borrowers are having with their loans, the flood of accommodation requests, and the unfortunate number of delinquencies and defaults, servicing, accommodations, and default management has become critically important. As well, after the financial crisis over a decade ago and resulting exposure of unsavory practices, rules were put into place by the Dodd-Frank Act. The CFPB has also issued additional reg... (more)
This webinar will walk you through the compliance maze related to Ability to Repay, Qualified Mortgage, High Cost & Higher-Priced Mortgage Loans.
Regulation Z has a whole lot of requirements for loans deemed to be a Qualified Mortgage, High Cost Mortgage or a Higher-Priced Mortgage. It also requires you to verify a borrower’s Ability to Repay on certain types of loans. Keeping all these rules straight can be quite a challenge to say the least. This webinar will look at each requirement, break it down and tell you what you need to know and how to maintain compliance!
During this webinar, we will take the core document from deposit accounts handbook and set up a working document so that you can tailor your procedures into the framework we will provide.
The working handbook in a word document will enable you to take hours of work out of the process. You will learn how to blend state and federal law into an efficient new account process.
Funds transfer fraud causes millions of dollars in losses for businesses. Last year, financial institutions filed over 47,000 Suspicious Activity Reports on incidents of wire fraud. Cyber attackers continue to grow more sophisticated with their schemes and attempts. Even the largest institutions are vulnerable. Recent high-profile, successful cyberattacks on international wire transfers have raised the bar on examiners’ expectations for your security system and risk monitoring of international and domestic wire transfers.
In this session we will cover your regulatory requirements for both domestic and international wires, provi... (more)
What will regulators find when they examine your financial institution for Reg E compliance with error resolution procedures? Do your employees know what is required? Do they know that a customer can write their PIN on a card and this will not be considered “negligent” if the card is lost or stolen
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 the step... (more)
Accounts Receivable and Inventory are the most fundamental form of “Asset-Based” Commercial Lending. Commercial borrowers use the value of these assets (also called working assets) as collateral to secure financing to produce and sell their products and services. Often, bankers will take Accounts Receivable and Inventory as “side” collateral because their true comfort is provided by the borrower’s real estate, which is usually required as a condition of the loan.
Pledging real estate may not always be an option for your borrower. The primary reason for requiring real estate as collateral is caused by the perceived inability to... (more)
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 and the subordination/intercreditor agreement. It will provide relevant, up-to-date and practical information to help commercial lending personnel.
This webinar has been created for bankers who hav... (more)
What?Many examiners find the commercial lending area is fertile for compliance violations because
some commercial lenders believe that compliance regulations don't apply to the commercial
loans. Those lenders are the ones that most need this program, but they are unlikely to attend
because of their mistaken belief that compliance doesn't impact them. So we are satisfied to
present this program to commercial lenders who realize compliance does impact their department
and stand ready to master the latest developments in the area.
Many examiners find the commercial l... (more)
At the time of this printing beneficial ownership legislation is in both the house and the senate to centralize beneficial ownership registration with FinCEN.
If it passes, we will discuss the transition process and what will be required. If it does not pass, we will look at all the errors and problems we have had implementing beneficial ownership and the examination process. Either way we will update you for beneficial ownership in 2020.
The "Beneficial Ownership: Where Are We Now?" webinar has been approved for 2 CAMS credits. Credits are redeemable for Live attendance only. Users must connect to the webinar individ... (more)
This is for Part 3 Only. For series pricing, CLICK HERE.
A compliance audit is a comprehensive evaluation of a financial institution’s adherence to regulatory guidelines. Its purpose it to identify problems and weaknesses BEFORE they are detected by examiners, or even worse, customers or customers’ attorneys. This webinar will provide an overview of the tools and resources available for conducting a compliance review as well as areas to review and questions to ask.