OnCourse Learning

IRA Update - Information and Clarification

Wednesday, January 20th, 2021 11:00 am - 1:00 pm ET

What an IRA roller coaster ride this has been!! After a year of deliberations, the SECURE Act was signed into law under the Appropriations Act on December 20, 2019. Most of the provisions became effective on January 1, 2020. There are too many issues and too many potential pitfalls banks will experience if they don’t have a working knowledge of these changes. Forms will be changed, IRA software must be updated which may take a while.

On top of that, The CARES Act was passed 3 months later further making rules and regulations changes to IRAs. Because of this, you may have to do some explaining to your cust... (more)

Presenter: Patrice M. Konarik is president of Sunwest Training Corp. founded over 25 years ago and is located in the Texas Hill Country near San Antonio, Texas. With over 35 years in the financial industry, Patrice has focused her expertise on the retirement account area and is currently providing live training and Webinars on IRAs and Health Savings Accounts on a nationwide basis. She has a BS in Management... (more)

(FREE) Key Things to Consider when Building Your Financial Institution’s Training Program

Wednesday, January 20th, 2021 1:00 pm - 1:45 pm ET

This webinar will be a Q&A with Jeff Kelly (Moderator), VP of Product, Professional Education at OnCourse Learning & Deb Crawford.

Financial services are one of the highest regulated sectors. With the turbulence of the current pandemic, rapidly changing regulations and the acceleration of digital transformation, employees must complete new tasks at high speed while ensuring compliance and excellent customer service.

Your people are your greatest and most important resource. How many monetary losses and compliance violations could be avoided with proper training and development? How many customers could be served mor... (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 30+ years of ... (more)

Marketing & Advertising Compliance - Two Part Series

Wednesday, January 20th, 2021 2:30 pm - 4:30 pm ET

In this day and age of UDAP/UDAAP, it’s clear that how you say what you say in your advertisements is just as important as what you say. Style matters – you must be clear and conspicuous in your wording so as not to confuse and deceive. If you read enforcement actions related to marketing and advertising carefully, it's clear what else is being targeted: sales and marketing practices. It’s always useful to learn from others' mistakes, regardless of your bank’s size or regulator.

With everything happening in the financial services industry, now more than ever it's important that your advertising and marketing efforts are effective. ... (more)

Presenter: Carl Pry is a Certified Regulatory Compliance Manager (CRCM) and Certified Risk Professional (CRP) who is a Managing Director for Treliant Risk Advisors in Washington, DC. Through his working career, as well as through his experience as a banking attorney and officer, he has provided a variety of regulatory compliance and financial performance services to financial institutions and other clients t... (more)

Marketing & Advertising Compliance - Part 1

Wednesday, January 20th, 2021 2:30 pm - 4:30 pm ET

This is for Part 1 only. For series pricing, CLICK HERE.

In this day and age of UDAP/UDAAP, it’s clear that how you say what you say in your advertisements is just as important as what you say. Style matters – you must be clear and conspicuous in your wording so as not to confuse and deceive. If you read enforcement actions related to marketing and advertising carefully, it's clear what else is being targeted: sales and marketing practices. It’s always useful to learn from others' mistakes, regardless of your bank’s size or regulator.

... (more)

Presenter: Carl Pry is a Certified Regulatory Compliance Manager (CRCM) and Certified Risk Professional (CRP) who is a Managing Director for Treliant Risk Advisors in Washington, DC. Through his working career, as well as through his experience as a banking attorney and officer, he has provided a variety of regulatory compliance and financial performance services to financial institutions and other clients t... (more)

Compliance Management

Thursday, January 21st, 2021 11:00 am - 1:00 pm ET

This webinar will look at the expectations/requirements related to a financial institution’s Compliance Management System (CMS). You will learn how best utilize your resources to create an effective CMS, as well as improve and/or enhance your current CMS.

The "Compliance Management" webinar has been approved for 2 CAMS credits. Credits are redeemable for Live attendance only. Users must connect to the webinar individually and enter their name and email for reporting purposes. Accreditation is valid for one year from the date of the event. To receive a certificate, email bankwebinars@oncourselearning.com.

Presenter: David’s banking career began as a field examiner for the FDIC in 1990. He later became a Compliance Officer and Loan Officer for a small 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 produc... (more)

Bank Accounting for Beginners - 4 Part Series

Thursday, January 21st, 2021 2:30 pm - 4:30 pm ET

This 4-part series will be held January 21, 25, 27 and 29. 

Designed for bankers new to the accounting department and those seeking a refresher course on the basic accounting concepts targeted for the activities of a financial institution. This series will cover:

  • General application of accounting practices to include a discussion of double-entry accounting, the general ledger and the flow of accounting transaction activity into a balance sheet and income statement.
  • The impact of debits and credits posted to the major ... (more)
Presenter: Ms. Dopjera, a Certified Public Accountant, has 38 years of experience focused on accounting and regulatory reporting for financial institutions. During the first 18 years of her career, Ms. Dopjera held various positions with responsibility across all operational areas, to include accounting, internal audit, Call Report preparation and review while working for community as well as regional banks.... (more)

Bank Accounting for Beginners - Part 1

Thursday, January 21st, 2021 2:30 pm - 4:30 pm ET

This 4-part series will be held January 21, 25, 27 and 29. You can register for the series HERE.

Designed for bankers new to the accounting department and those seeking a refresher course on the basic accounting concepts targeted for the activities of a financial institution. This series will cover:

  • General application of accounting practices to include a discussion of double-entry accounting, the general ledger and the flow of accounting transaction activity into a b... (more)
Presenter: Ms. Dopjera, a Certified Public Accountant, has 38 years of experience focused on accounting and regulatory reporting for financial institutions. During the first 18 years of her career, Ms. Dopjera held various positions with responsibility across all operational areas, to include accounting, internal audit, Call Report preparation and review while working for community as well as regional banks.... (more)

Basic Real Estate Loan Documentation

Friday, January 22nd, 2021 11:00 am - 1:00 pm ET

This webinar provides a comprehensive overview of essential real estate loan documentation requirements, regulatory compliance issues, sound loan administration issues and best practices.

All necessary preclosing and closing real estate loan documents and requirements will be discussed with a focus on their purpose, use, timing and legal aspects. Key points of concern from both a legal and credit viewpoint will be discussed.

Presenter: Robin Russell has practiced law for 30 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)

Bank Accounting for Beginners - Part 2

Monday, January 25th, 2021 2:30 pm - 4:30 pm ET

This 4-part series will be held January 21, 25, 27 and 29. You can register for the series HERE.

Designed for bankers new to the accounting department and those seeking a refresher course on the basic accounting concepts targeted for the activities of a financial institution. This series will cover:

  • General application of accounting practices to include a discussion of double-entry accounting, the general ledger and the flow of accounting transaction activity into a balan... (more)
Presenter: Ms. Dopjera, a Certified Public Accountant, has 38 years of experience focused on accounting and regulatory reporting for financial institutions. During the first 18 years of her career, Ms. Dopjera held various positions with responsibility across all operational areas, to include accounting, internal audit, Call Report preparation and review while working for community as well as regional banks.... (more)

Creating the Right ERM Program for YOUR Community Bank

Tuesday, January 26th, 2021 11:00 am - 12:30 pm ET

Are you creating your first ERM Program for your bank? Do you want to ensure your current program is complete yet keep it simple? If yes to either question, this webinar is for you!

Risk Management is at the heart of banking and every bank has to have processes, policies, and procedures in place in order to assess and manage the risks on their balance sheet. Marci shares the fundamental pieces of the ERM puzzle, how they relate to each other, and how to integrate your ERM program into the bank’s Strategic Plan. Having built an ERM program for a community bank from scratch, Marci describes the various components of a strong ERM pro... (more)

Presenter: Marcia (“Marci”) Malzahn is the president and founder of Malzahn Strategic, a community financial institution management consultancy focused on strategic planning, enterprise risk management, treasury management, talent management, and EOS® Implementation.

Changes to the Qualified Mortgage Definition: What Does This Mean for Lenders?

Tuesday, January 26th, 2021 2:30 pm - 4:00 pm ET

The Dodd-Frank Act created the Ability to Repay rules within Regulation Z’s mortgage standards, and also created the concept of the “Qualified Mortgage,” or QM. This QM standard provided legal protections that were embraced by the industry. Statistics show that as of 2018, only 4% of mortgage loans did not meet the standards of a QM. One of the principal requirements to meet the QM standard is that the borrower’s debt-to-income (DTI) ratio cannot exceed 42%. But an exception was built in, the so-called “GSE Patch.” GSE stands for Government Sponsored Enterprise, and the GSEs are Fannie Mae and Freddie Mac. Essentially, if a loan would be d... (more)

Presenter: Carl Pry is a Certified Regulatory Compliance Manager (CRCM) and Certified Risk Professional (CRP) who is a Managing Director for Treliant Risk Advisors in Washington, DC. Through his working career, as well as through his experience as a banking attorney and officer, he has provided a variety of regulatory compliance and financial performance services to financial institutions and other clients t... (more)

Opening Business Accounts

Tuesday, January 26th, 2021 2:30 pm - 4:30 pm ET

There are many types of business accounts with many different ways to do business at banking today. It can be challenging to determine who is authorized to open, close and transact business when dealing with so many business entities.

In addition to opening accounts in person for businesses, we now bank businesses online, with debit cards and through remote deposit. Because of these multiple entities and various approaches to opening accounts numerous questions arise. How do we set up these accounts and then change them as the businesses change? What happens when a partner dies? What happens when the sole proprietor dies? Can... (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 30+ years of ... (more)

The Right of Setoff

Wednesday, January 27th, 2021 11:00 am - 1:00 pm ET

"Right of Setoff" is used frequently in the banking industry when trying to collect on past-due debts owed by customers. Unfortunately, many bankers don't understand the legal requirements and procedures necessary to use this process. The risks of using the process incorrectly can be costly to your financial institution. On the other hand, successfully using the right of setoff can protect your financial institution from significant financial losses.

Do you know when the right of setoff is allowed and when it isn't? Do you know if your financial institution has a statutory or contractual right of setoff? Do you understand the financi... (more)

Presenter: Terri D. Thomas, JD is the Director of the Kansas Bankers Association Legal Department, which specializes in providing compliance and legal assistance to Kansas banks.

When to Coach? When to Supervise?

Wednesday, January 27th, 2021 11:00 am - 12:30 pm ET

Most of us have had a supervisor our whole life. We go from parents to teachers to bosses. Even the top of the food chain in many companies will be reporting to a board of directors. On the job, everybody has somebody they are accountable to, but they may or may not have somebody they consider to be a coach. Likewise, all supervisors have people they are accountable for but may not have been taught how to fill the shoes of a coach with their direct reports. To lead effectively, you need to know when to wear which hat.

This webinar will encourage you to be prepared to be effective both as a coach and as a supervisor. How are they ... (more)

Presenter: Vicki’s 25+ years of Community Bank experience started at the family bank in rural Nebraska, serving as a bank teller and eventually becoming CEO. Vicki’s many years of banking include credit card lending experience where she was a member of the management team that launched the Cabela’s credit card program.

Bank Accounting for Beginners - Part 3

Wednesday, January 27th, 2021 2:30 pm - 4:30 pm ET

This 4-part series will be held January 21, 25, 27 and 29. You can register for the series HERE.

Designed for bankers new to the accounting department and those seeking a refresher course on the basic accounting concepts targeted for the activities of a financial institution. This series will cover:

  • General application of accounting practices to include a discussion of double-entry accounting, the general ledger and the flow of accounting transaction activity into a balan... (more)
Presenter: Ms. Dopjera, a Certified Public Accountant, has 38 years of experience focused on accounting and regulatory reporting for financial institutions. During the first 18 years of her career, Ms. Dopjera held various positions with responsibility across all operational areas, to include accounting, internal audit, Call Report preparation and review while working for community as well as regional banks.... (more)

Prospect & Build Relationships Virtually

Thursday, January 28th, 2021 11:00 am - 12:00 pm ET

Virtual business relationships are not new. What is new are the expectations and the tools. Instead of in-person meetings, RMs must now prospect and meet via LinkedIn, Zoom, GoToMeeting, Facebook Live. Technology is consistently providing us with more and better ways to connect. A salesperson today must be adept at searching, asking for, scheduling and delivering effective virtual meetings that also help build relationships. Banking and credit union RMs must up their skills in this area in order to compete effectively.

Presenter: Dan Fischer, Sales Development Expert, has 28 years of financial sales and sales management experience working in the banking and insurance industries. During that time, he has developed a life-long passion for coaching along with an understanding of how to motivate salespeople. Using all the many tools and techniques from his past experience, Dan is focused on helping salespeople and sales leader... (more)

Understanding Recent Changes to the CFPB's Debt Collection Rule

Thursday, January 28th, 2021 2:30 pm - 4:00 pm ET

Finally, the CFPB has released a major update to Regulation F which implements the Fair Debt Collection Practices Act. The two final rules impact both debt collectors and financial institutions. While financial institutions typically do not collect third-party debt, it is critical that they understand the spirit and intent of the recently issued rules to avoid potential consumer harm through unfair, deceptive, or abusive acts or practices (UDAAP).

This webinar will review the 1,000+ pages of both the November 2020 and December 2020 Rules which includes numerous new requirements, such as new call attempt restrictions of not more tha... (more)

Presenter: Molly began her banking career on the teller line while working on her undergraduate degree and has continued working in the financial industry ever since. Some of her experience includes roles in operations, business resumption planning, consumer compliance, and conducting audits. Her favorite role is ensuring that her audience, whether on the sports field or in the financial industry, understa... (more)

Marketing & Advertising Compliance - Part 2

Friday, January 29th, 2021 11:00 am - 1:00 pm ET

This is for Part 2 only. For series pricing, CLICK HERE.

In this day and age of UDAP/UDAAP, it’s clear that how you say what you say in your advertisements is just as important as what you say. Style matters – you must be clear and conspicuous in your wording so as not to confuse and deceive. If you read enforcement actions related to marketing and advertising carefully, it's clear what else is being targeted: sales and marketing practices. It’s always useful to learn from others' mistakes, regardless of your bank’s size or regulator.

... (more)

Presenter: Carl Pry is a Certified Regulatory Compliance Manager (CRCM) and Certified Risk Professional (CRP) who is a Managing Director for Treliant Risk Advisors in Washington, DC. Through his working career, as well as through his experience as a banking attorney and officer, he has provided a variety of regulatory compliance and financial performance services to financial institutions and other clients t... (more)

Bank Accounting for Beginners - Part 4

Friday, January 29th, 2021 11:00 am - 1:00 pm ET

This 4-part series will be held January 21, 25, 27 and 29. You can register for the series HERE.

Designed for bankers new to the accounting department and those seeking a refresher course on the basic accounting concepts targeted for the activities of a financial institution. This series will cover:

  • General application of accounting practices to include a discussion of double-entry accounting, the general ledger and the flow of accounting transaction activity into a balan... (more)
Presenter: Ms. Dopjera, a Certified Public Accountant, has 38 years of experience focused on accounting and regulatory reporting for financial institutions. During the first 18 years of her career, Ms. Dopjera held various positions with responsibility across all operational areas, to include accounting, internal audit, Call Report preparation and review while working for community as well as regional banks.... (more)

State of HMDA in 2021

Monday, February 1st, 2021 2:30 pm - 4:30 pm ET

We’re now a couple years into the “new age” of HMDA – increased coverage requirements, data collection and submission, as well as risk. How are you doing with all this? The new final rules regarding reporting thresholds and the data elements have been finalized, but still more is to come. But for 2020’s submission season, it’s the same as 2019. In this webinar we’ll review all the pain points of HMDA, including for action taken and various of the data points. We’ll also address a number of questions: What will examiners be looking at it? What are the fair lending issues and risks you need to be aware of after submission? We’ll discuss the ... (more)

Presenter: Carl Pry is a Certified Regulatory Compliance Manager (CRCM) and Certified Risk Professional (CRP) who is a Managing Director for Treliant Risk Advisors in Washington, DC. Through his working career, as well as through his experience as a banking attorney and officer, he has provided a variety of regulatory compliance and financial performance services to financial institutions and other clients t... (more)

CRE Appraisals: Regulations and the Review Process

Monday, February 1st, 2021 2:30 pm - 4:30 pm ET

For at least 25 years, bankers have worked under multiple sets of rules and guidelines concerning the ordering and reviewing of appraisals. Appraisers have worked under the Uniform Standards of Appraisal Practice (USPAP) for even longer. This program provides a concise overview of the various rules and guidelines, plus key nuances that have created differences among the approaches taken by banks and endorsed or supported by their regulators. Because they are guidelines, not regulations with absolute deadlines, there is discretion in how regulators apply various features. Do you know the key factors that drive the discretion? What are ... (more)

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.

Hemp Update! Many State Plans Now Approved

Tuesday, February 2nd, 2021 11:00 am - 1:00 pm ET

It’s been a journey from the Farm Bill 2018 to the USDA regulations issued at the end of 2019. Where are we now? What is FinCEN’s position on hemp? During this program we will discuss, how to check your state statutes, understand where we are now both federally and on the state level with hemp. As the federal government makes way for a new brand of customers, we have to make decisions about banking hemp and what our policy and procedures would look like. FinCEN has BSA expectations but the good news is that these don’t include filing SARs on hemp customers and related businesses. This ... (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 30+ years of ... (more)

E-Sign for Lending - Challenges and Solutions

Tuesday, February 2nd, 2021 2:30 pm - 4:00 pm ET

The world of electronic banking continues to evolve and bankers want to keep pace with technology and customer preferences. Recent surveys indicate that 51% of adults in the U.S. bank online and 32% bank with mobile phones. Customers expect more digital access at a time that cybersecurity has become a significant threat. The March 2019 “breach” of 106 million records from credit card applications and 140,000 Social Security numbers from a national financial institution has brought additional scrutiny to compliance with both cyber-security and consumer protection regulations. What steps must be followed to be in compliance with E... (more)

Presenter: Susan Costonis is a compliance consultant and trainer. She specializes in compliance management along with deposit and lending regulatory training.

Regulation Z - Truth in Lending Seminar OnDemand with Live Streaming

Wednesday, February 3rd, 2021 10:00 am - 5:00 pm ET

Attend the Regulation Z - Truth in Lending Seminar from the convenience of your own office or home via Live Streaming Video as it happens on Wednesday, February 3rd (9:00 am – 4:00 pm Central Time), or at your own convenience with 6 months of OnDemand playback.

Believe it or not, Reg. Z is over 50 years old! And yet it still proves to be one of the most complex (if not the most complex) regulation to follow. While its original purpose was to provide uniform disclosures of consumer credit transactions, over the years it's come to cover many other aspects of consumer lending, such as lender compensation, UDAP, appraisals, restriction... (more)

Presenter: Carl Pry is a Certified Regulatory Compliance Manager (CRCM) and Certified Risk Professional (CRP) who is a Managing Director for Treliant Risk Advisors in Washington, DC. Through his working career, as well as through his experience as a banking attorney and officer, he has provided a variety of regulatory compliance and financial performance services to financial institutions and other clients t... (more)

2 Day Truth in Lending, Appraisal, RESPA, and MLA/SCRA Seminar OnDemand with Live Streaming

Wednesday, February 3rd, 2021 10:00 am - 5:00 pm ET

Attend the 2 Day Truth in Lending, Appraisal, RESPA, and MLA/SCRA Seminar from the convenience of your own office or home via Live Streaming Video as it happens on Wednesday and Thursday, February 3rd and 4th (9:00 am – 4:00 pm Central Time), or at your own convenience with 6 months of OnDemand playback.

Day 1: Regulation Z - Truth in Lending - Wednesday, February 3rd, 2021

Presenter: Carl Pry is a Certified Regulatory Compliance Manager (CRCM) and Certified Risk Professional (CRP) who is a Managing Director for Treliant Risk Advisors in Washington, DC. Through his working career, as well as through his experience as a banking attorney and officer, he has provided a variety of regulatory compliance and financial performance services to financial institutions and other clients t... (more)