It seems the entire retail banking business model is changing before our eyes, and no one knows which changes will be temporary or permanent. More loans have become impaired in a shorter time than any time in recent history. Relationships between personnel and employees has rapidly changed to a remote/electronic model. Customers need help now and regulators are issuing new rules and guidance on a daily basis.
How do you keep up with all that is happening?
This webinar series is intended to keep you current with timely updates and insights each week. Sessions will be short and sweet – 30 minutes – designed to not take u... (more)
This 5 part webinar series will be held on May 7, 14, 21, 28 and June 4.
Designed for bankers new to Call Report preparation and those seeking a refresher course, this series will cover:
This is a two-part series. The prices below are including both sessions. Each session can also be attended individually by clicking on the links below.
There are numerous compliance requirements when originating a consumer-purpose mortgage loan. Most people think about the TRID requirements (TILA-RESPA Integrated Disclosures), but there are many more. From flood insurance to appraisal requirements to fair lending, there is much to think about. As well, the loan may be HMDA-reportable. And with the many recent changes in both the TRID, HMDA, and appraisal r... (more)
This is for Part 2 only. For series pricing, CLICK HERE.
There are numerous compliance requirements when originating a consumer-purpose mortgage loan. Most people think about the TRID requirements (TILA-RESPA Integrated Disclosures), but there are many more. From flood insurance to appraisal requirements to fair lending, there is much to think about. As well, the loan may be HMDA-reportable. And with the many recent changes in both the TRID, HMDA, and appraisal rules, things can get tricky. We’ll pay par... (more)
Regulation E has ranked third in the number of cited violations and enforcement actions during the last couple of years, behind Regulation Z and Regulation DD. In this session we will review instances where institutions have failed to comply with Reg E or misapplied the regulation and provide you with best practices and tools to avoid a similar fate.
According to a recent survey, annual ACH and debit card usage increased by 6% and 10% respectively. Consumers appreciate the convenience of conducting transactions electronically. This increased ease of access also exposes them and us as their financial institution to elevated expos... (more)
Financial institutions are required to complete transactions for customers involving Power of Attorney documents. To protect your financial institution's interests when using these documents, it is imperative to understand the basic do's and don'ts. This presentation will provide financial institution personnel with best practices to use when dealing with these complex legal documents.
As the world continues to grapple with the devastating effects of the COVID-19 (Coronavirus) pandemic, millions of Americans day-to-day routines have been completely upended. In this time of uncertainty, it is important for financial institutions to continue to operate in a manner that promotes confidence in our industry.
Join Regulatory Compliance Counsel Michael Christians for a high-level overview of the regulatory guidance available to financial institutions to help them assist consumers that have been affected, either directly or indirectly, by this global health emergency.
This 5 part webinar series will be held on May 7, 14, 21, 28 and June 4.. Please register for this event HERE.
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 your office, Carl will make sure you have the information you need to keep your financial institution i... (more)
The fundamentals of compliance-based Vendor Management have been around since 2004’s FFIEC Outsourcing of Technology Services booklet was released. While VM has evolved a bit over the years, the process is essentially still the same. We gather documentation, review it, and try to make a decision whether we keep doing business with this company or not. Analyzing vendor documentation is important, but the real question we need to ask is this: how do we understand if our vendors are really protecting your data?
Congress and the regulatory agencies continue to be ultra-active in providing new rules and guidance to the banking industry during this unprecedented time. Every week we see more and more information that provides flexibility and existing regulatory requirements, as well as new information to act upon. This weekly series is intended to keep you up to date with all that is happening. Each Friday we’ll have a short (30 minutes or so) update with what is new, as well as insight into how existing programs and guidance is being greeted by the industry, as well as enforced by the agencies. We all need to know how to react as we settle into this... (more)
The session will begin with a brief overview of loan write-ups or credit memorandums including types, styles, and necessary component parts (relationship information, financial analysis, management review, and risk assessment/mitigation).
The financial analysis section will highlight “liquidity, activity, leverage, operating performance, and cash flow analysis.” Additionally, the “Z-score” bankruptcy predictor will be reviewed.
The session will also cover additional important loan write-up items including assessing the company’s strategic plan- “marketing, financing, and management.” Also, the “risk assessment and mit... (more)
Financial institutions are required to complete transactions for customers who have created revocable and irrevocable trusts. To protect your financial institution's interests when using these documents, it is imperative to understand the basic do's and don'ts. This presentation will provide financial institution personnel with best practices to use when dealing with these complex legal documents.
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.
Raise the bar when it comes to engaging and training new employees from the start. 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.
Aimed at management and hiring staff including call center managers, teller supervisors, HR, executive managers and branch managers, this progr... (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 drawing from the CAT declarative statements and adopting a focus on cybersecurity.
Along with a new work program, prior to scheduling the examination, you will receive an Information Technology Profile which has replaced the former IT Officer’s Questionnaire. The original Uniform Rating System for Information Technology (URS... (more)
As much as we would like to say we do one thing at a time, we have to face the hard truth that business success is synonymous with multitasking. We need to think back to guide us in the present, and we must look forward to anticipate issues that might arise. The reality of any employee from entry level to chief is this: even the best-laid plans go awry at times, so we need to plan not only proactively but realistically, and we need to schedule not only reactively but creatively. So much depends on our ability to plan our time, experience time efficiently, and plan things forward when our experiences do not go according to plan. Foresight, ... (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.
With many banks tightening lending criteria, many prime, near-prime, and non-prime bank customers remain underserved by their primary financial institutions which choose to not approve a large number of these loan applicants. Second-look consumer loan takeout relationships with institutional investors can address this service gap and allow your bank to lend to more of your customers rather than letting them turn elsewhere for their borrowing needs. At the same time, they open up new, contractually guaranteed income streams to your bank.
You have worked hard to gain a loyal customer base. Instead of denying many of those customers... (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 28 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. He also conducts eight senior lender forums on a periodic basis in multiple states and one series at the national level.
Retention and management of records is more complicated than just deciding what to keep and for how long. In what form should records be kept? Should we keep more than what the regulations require? If so, what? What about possible litigation needs? Examiner expectations must be met, of course, but other parties, such as law enforcement, auditors, and of course your customers, to name just a few, may require access to information, as well.
To manage an effective program in a cost-effective manner, compliance professionals must rely on information from a broad range of resources within the organization. Records management is the point ... (more)
In this webinar you will learn strategies to avoid losing your top talent, and how to establish a simple yet successful Talent Management Program, which in turn integrates into your Strategic Plan. You will walk away with strategies and tactics you can implement in your institution immediately.
Every company, regardless of industry, is trying to figure out how to attract and retain the right talent. Organizations are also striving to achieve their goals and fulfill their vision described in their strategic plan. But how do you achieve all—attracting and retaining talent while achieving your objectives and fulfilling your vision? ... (more)
Incidents of workplace violence are on the rise. Employees make threats or do harm to co-workers or property. The results are sometimes catastrophic. Often they could have been prevented. Threats of violence requires prompt, sometimes immediate, action, yet many organizations are not prepared for these situations. They do not have in place the policies, training, or understanding of the overall practices and processes which can be used to prevent, identify, act to dismiss the occurrences, or act to stop escalation, and deal with the aftermath and follow-up issues
This is not a program about what to do in an active crisis situati... (more)
On July 1, 2020, the HMDA threshold for closed-end loans will increase from the 25 to 100. This means if you originated less than 100 closed-end loans in either of the prior two years (2019 or 2018), you will no longer need to report closed-end loans for HMDA. This doesn’t mean; however, that you can just stop doing what you’re doing.
The July 1, 2020, changes to the HMDA closed-end coverage is good news for some institutions. It means you will no longer be subject to HMDA data collection and reporting for closed-end loans. Even if you are no longer subject to HMDA reporting; however, you ARE still subject to Regulation B. T... (more)