Register Today!
The Dodd-Frank Act created a new world for mortgage servicing. While most lenders have incorporated the changes and continue to monitor the high-risk areas of real estate lending, there is an unexpected shift in the landscape. Suddenly, the mortgage insurance aspect of lending has made new headlines. A dispute over a PMI violation resulted in a $100 million dollar fine that prompted the eventual court decision that the CFPB’s structure is unconstitutional. Now, President Trump has canceled a last-minute reduction in mortgage insurance premiums on loans backed by the FHA, and PMI continues to be a high-value target of examination, complaints, and litigation. Recent CFPB guidance and enforcement actions have shed new light on the expectations of the regulators. Is your institution prepared for the increased focus?
PMI is arranged by the lender for your protection and is provided by private insurance companies. The CFPB has gone to great lengths to recognize the good and bad within the PMI area. Like other kinds of mortgage insurance, PMI can help borrowers qualify for a loan that they might not get otherwise. But, it increases the cost of the loan and it doesn’t protect them from problems. In some situations, the lender may not cancel the insurance when required or delay when a borrower requests cancellation. That is where the CFPB plans to act.
The Homeowners Protection Act of 1998 (HOPA) provides additional homeowner protection when cancelling PMI. Until now, it has been a relatively quiet compliance area. From inadequate settlement disclosures to faulty termination processes, the CFPB has been actively pursuing enforcement. This webinar will provide a full review of PMI and HOPA requirements and will focus on the unique compliance challenges presented by CFPB’s recent guidance and enforcement actions.
HIGHLIGHTS
Best practices to manage PMI problems
Understanding PMI compliance requirements
Focus on termination and disclosure requirements
Interplay with other real estate lending regulations
Interpreting the recent CFPB PMI termination guidance
Analysis of recent litigation and enforcement actions
TAKE-AWAY TOOLKIT
PMI examination guidance
PMI risk assessment guidance
Employee training log
Quiz you can administer to measure staff learning and a separate answer key
Attendance verification for CE credits provided upon request.
WHO SHOULD ATTEND? Chief Credit Officers, executives, senior management, audit committee members, and staff involved with compliance, real estate lending, collections, internal audit, and real estate lending and loan servicing.
ABOUT THE PRESENTER – David A. Reed, Reed & Jolly, PLLC, Attorney, author, consultant, and nationally-recognized speaker. He provides guidance to financial institutions on establishment and revision of policies and procedures, organizational compliance, collections, security, contractual agreements, regulatory matters, and corporate governance. His engaging speaking style has made him a nationwide lecturer on regulatory compliance, consumer lending, bankruptcy, and collections. A former trial attorney and vice president and general counsel of a large credit union, David is particularly known as an expert in the areas of operations, bankruptcy, and collections. He has trained state and federal examination staff on numerous issues, including BSA, ID theft red flags, SAFE Act, third-party contract management, and bankruptcy. He also serves as editor of several industry manuals.
(04/26/17) Securing Collateral Part 2: Form UCC-3 & Amending, Continuing or Terminating Security Interests
Register Today!
A UCC-3 Financing Statement Amendment is required to be filed in various situations, such as when the creditor needs to amend an existing UCC filing, continue an existing UCC filing, assign an existing UCC filing, and terminate an existing UCC filing. Do you know when the UCC-3 form needs to be filed and how to properly complete the form? What about more difficult questions? Is filing a UCC-3 to amend an existing UCC filing retroactive? Can a UCC-3 be used to assign an existing UCC filing even though the debt is not assigned? Must a UCC-3 be filed when the debt is paid in full? What happens when a UCC-3 is filed too late to continue an existing UCC filing? These and many other must-know questions will be addressed in this important webinar.
HIGHLIGHTS
Line-by-line review of UCC-3 Financing Statement Amendment and the UCC-3Ad Financing Statement Amendment Addendum with explanation of how to complete each section
When to use these forms
How to add or delete collateral on an existing UCC filing
What to do when a debtor changes his/her/its name or address
When termination of an existing UCC filing is required
TAKE-AWAY TOOLKIT
Official UCC-3 Financing Statement Amendment, and UCC-3Ad Financing Statement Amendment Addendum, including instructions
Employee training log
Quiz you can administer to measure staff learning and a separate answer key
DON’T MISS PARTS 1 & 3!
This program is the second of three in a series – look for Securing Collateral Part 1: Form UCC-1 – Initial Filing & Perfection of Security Interests on Thursday, March 23, 2017
AND Securing Collateral Part 3: Legal & Compliance Issues in Obtaining Priority in Collateral, Including Purchase Money Security Interests - on Thursday, May 18, 2017
Attendance verification for CE credits provided upon request.
WHO SHOULD ATTEND? Chief Credit Officers, loan officers, loan operations staff, credit administration personnel, managers, compliance personnel, auditors, attorneys, and others involved in the credit process.
ABOUT THE PRESENTER – Elizabeth Fast, Spencer Fane LLP Elizabeth Fast is a partner where she specializes in the representation of financial institutions. Elizabeth is the head of the firm’s training division. She received her law degree from the University of Kansas and her undergraduate degree from Pittsburg State University. In addition, she has a Master of Business Administration degree and she is a Certified Public Accountant. Before joining Spencer Fane, she was General Counsel, Senior Vice President, and Corporate Secretary of a $9 billion bank with more than 130 branches, where she managed all legal, regulatory, and compliance functions. She is a member of the Missouri State Banking Board by appointment of the Governor.
A UCC-3 Financing Statement Amendment is required to be filed in various situations, such as when the creditor needs to amend an existing UCC filing, continue an existing UCC filing, assign an existing UCC filing, and terminate an existing UCC filing. Do you know when the UCC-3 form needs to be filed and how to properly complete the form? What about more difficult questions? Is filing a UCC-3 to amend an existing UCC filing retroactive? Can a UCC-3 be used to assign an existing UCC filing even though the debt is not assigned? Must a UCC-3 be filed when the debt is paid in full? What happens when a UCC-3 is filed too late to continue an existing UCC filing? These and many other must-know questions will be addressed in this important webinar.
HIGHLIGHTS
Line-by-line review of UCC-3 Financing Statement Amendment and the UCC-3Ad Financing Statement Amendment Addendum with explanation of how to complete each section
When to use these forms
How to add or delete collateral on an existing UCC filing
What to do when a debtor changes his/her/its name or address
When termination of an existing UCC filing is required
TAKE-AWAY TOOLKIT
Official UCC-3 Financing Statement Amendment, and UCC-3Ad Financing Statement Amendment Addendum, including instructions
Employee training log
Quiz you can administer to measure staff learning and a separate answer key
DON’T MISS PARTS 1 & 3!
This program is the second of three in a series – look for Securing Collateral Part 1: Form UCC-1 – Initial Filing & Perfection of Security Interests on Thursday, March 23, 2017
AND Securing Collateral Part 3: Legal & Compliance Issues in Obtaining Priority in Collateral, Including Purchase Money Security Interests - on Thursday, May 18, 2017
Attendance verification for CE credits provided upon request.
WHO SHOULD ATTEND? Chief Credit Officers, loan officers, loan operations staff, credit administration personnel, managers, compliance personnel, auditors, attorneys, and others involved in the credit process.
ABOUT THE PRESENTER – Elizabeth Fast, Spencer Fane LLP Elizabeth Fast is a partner where she specializes in the representation of financial institutions. Elizabeth is the head of the firm’s training division. She received her law degree from the University of Kansas and her undergraduate degree from Pittsburg State University. In addition, she has a Master of Business Administration degree and she is a Certified Public Accountant. Before joining Spencer Fane, she was General Counsel, Senior Vice President, and Corporate Secretary of a $9 billion bank with more than 130 branches, where she managed all legal, regulatory, and compliance functions. She is a member of the Missouri State Banking Board by appointment of the Governor.
(04/25/17) BSA Compliance Series: BSA Compliance Hotspots: Regulators, Litigation, Policies & Procedures
Register Today!
Bank Secrecy Act (BSA/AML) issues are some of the most challenging facing the financial industry. The expectations for mitigating AML risk keep changing, because money launderers continually alter their techniques. Where are the highest risks for money laundering and how should they be monitored? What do examiners expect and what issues have they cited recently? Do you know about recent litigation and legal risk? Join us to learn the answers to these questions and more, plus receive a checklist to ensure you have current, comprehensive BSA policies and procedures.
HIGHLIGHTS
List of monitoring reports and what can be learned from each
SAR advisory key terms – information from FinCEN regarding the types of activities to monitor
(e.g., e-mail compromise, human trafficking, funnel accounts, etc.)
Dealing with accountholders who are marijuana dispensaries – procedures, monitoring, and reporting
OFAC
Weak processes identified by examiners
Monitoring procedures and samples
Learning from others’ mistakes – recent BSA/AML penalties and what went wrong
TAKE-AWAY TOOLKIT
Sample procedure outline for doing business with marijuana dispensaries
BSA policy/procedure checklist to ensure yours is complete and up to date
Employee training log
Quiz you can administer to measure staff learning and a separate answer key
Attendance verification for CE credits provided upon request.
WHO SHOULD ATTEND? BSA/AML officers, compliance officers, and auditors.
ABOUT THE PRESENTER – Ann Brode-Harner, Brode Consulting Services, Inc., began her career in 1973 and has continued her service as a consultant to regional and community financial institutions through a wide range of areas including strategic planning, lending, deposits, marketing, training, compliance, and management. Ann is a well-respected presenter and has spoken to audiences across the country for 25 years. She has presented sessions for numerous state associations and has taught at the School of Banking Administration at the University of Wisconsin as well as many other state banking schools. Ann is the author of “The Bank Deposit Documentation Manual for Front-Line Personnel” published by Bankers Publishing Company, and is well represented in numerous industry publications.
Bank Secrecy Act (BSA/AML) issues are some of the most challenging facing the financial industry. The expectations for mitigating AML risk keep changing, because money launderers continually alter their techniques. Where are the highest risks for money laundering and how should they be monitored? What do examiners expect and what issues have they cited recently? Do you know about recent litigation and legal risk? Join us to learn the answers to these questions and more, plus receive a checklist to ensure you have current, comprehensive BSA policies and procedures.
HIGHLIGHTS
List of monitoring reports and what can be learned from each
SAR advisory key terms – information from FinCEN regarding the types of activities to monitor
(e.g., e-mail compromise, human trafficking, funnel accounts, etc.)
Dealing with accountholders who are marijuana dispensaries – procedures, monitoring, and reporting
OFAC
Weak processes identified by examiners
Monitoring procedures and samples
Learning from others’ mistakes – recent BSA/AML penalties and what went wrong
TAKE-AWAY TOOLKIT
Sample procedure outline for doing business with marijuana dispensaries
BSA policy/procedure checklist to ensure yours is complete and up to date
Employee training log
Quiz you can administer to measure staff learning and a separate answer key
Attendance verification for CE credits provided upon request.
WHO SHOULD ATTEND? BSA/AML officers, compliance officers, and auditors.
ABOUT THE PRESENTER – Ann Brode-Harner, Brode Consulting Services, Inc., began her career in 1973 and has continued her service as a consultant to regional and community financial institutions through a wide range of areas including strategic planning, lending, deposits, marketing, training, compliance, and management. Ann is a well-respected presenter and has spoken to audiences across the country for 25 years. She has presented sessions for numerous state associations and has taught at the School of Banking Administration at the University of Wisconsin as well as many other state banking schools. Ann is the author of “The Bank Deposit Documentation Manual for Front-Line Personnel” published by Bankers Publishing Company, and is well represented in numerous industry publications.
(04/20/17) Agricultural Credit Risk 2017: Answers to Critical Questions
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The agricultural economic picture can challenge even the best lenders who are providing debt capital to agriculture and rural America. What are the global economic forces and mega trends that will impact profits and cash flows of farm/ranch businesses and suppliers providing products and services to the farms? What is the interest rate environment and what impact will the rise of rates, strength of the dollar, and oil and domestic economic environment have on agricultural customers and those that lend to agriculture? Will land values continue to hold? What factors may result in a correction? What are the financial characteristics of high-risk customers? What are other factors that ag lenders need to monitor on the radar screen?
SPECIAL NOTICE TO REGISTRANTS:
To customize this webinar, registrants may submit up to two questions each concerning agricultural issues. Questions will be addressed during the webinar in the order received, so submit your questions early! Email your questions to Dr. Kohl at sullylab@vt.edu by Monday, April 17th with “Webinar Questions for 04/20/17” as the subject line.
HIGHLIGHTS
Global trends and variables that will influence economics for 2017 and beyond
Summary of factors and variables that can be used as a dashboard for economic changes
A new dashboard of financial factors that are often observed in resilient and growth-oriented customers, those in recovery, and vulnerable ones
New discussion on burn rate on working capital and core equity
Answers to the most commonly asked questions Dr. Kohl receives
TAKE-AWAY TOOLKIT
Financial dashboard with calculations for resilience and growth, recovery, and vulnerable customers
Management dashboard for resilience and growth, recovery, and vulnerable customers
Checklist of questions for customers
Case example of new burn rate on core equity
Employee training log
Quiz you can administer to measure staff learning and a separate answer key
Attendance verification for CE credits provided upon request.
WHO SHOULD ATTEND? Chief Credit Officers, ag lenders, as well as new ag lenders, board members, management, and your customers (the growers and producers).
ABOUT THE PRESENTER – Dr. David Kohl, Virginia Tech, Professor Emeritus of Agricultural Finance and Small Business Management and Entrepreneurship. He taught in the Agricultural and Applied Economics Department for 25 years. Dr. Kohl currently energizes agricultural lenders, producers, and business people with his keen insight into the agricultural industry gained through extensive travel, research, and exposure during his career. He has traveled over 9 million miles in his career; conducted more than 6,000 workshops and seminars for agricultural audiences; published more than 1,500 articles; and writes for many leading publications. Dr. Kohl’s personal involvement with agriculture and interaction with key industry players provide a unique perspective into future trends of the agricultural industry and economy.
The agricultural economic picture can challenge even the best lenders who are providing debt capital to agriculture and rural America. What are the global economic forces and mega trends that will impact profits and cash flows of farm/ranch businesses and suppliers providing products and services to the farms? What is the interest rate environment and what impact will the rise of rates, strength of the dollar, and oil and domestic economic environment have on agricultural customers and those that lend to agriculture? Will land values continue to hold? What factors may result in a correction? What are the financial characteristics of high-risk customers? What are other factors that ag lenders need to monitor on the radar screen?
SPECIAL NOTICE TO REGISTRANTS:
To customize this webinar, registrants may submit up to two questions each concerning agricultural issues. Questions will be addressed during the webinar in the order received, so submit your questions early! Email your questions to Dr. Kohl at sullylab@vt.edu by Monday, April 17th with “Webinar Questions for 04/20/17” as the subject line.
HIGHLIGHTS
Global trends and variables that will influence economics for 2017 and beyond
Summary of factors and variables that can be used as a dashboard for economic changes
A new dashboard of financial factors that are often observed in resilient and growth-oriented customers, those in recovery, and vulnerable ones
New discussion on burn rate on working capital and core equity
Answers to the most commonly asked questions Dr. Kohl receives
TAKE-AWAY TOOLKIT
Financial dashboard with calculations for resilience and growth, recovery, and vulnerable customers
Management dashboard for resilience and growth, recovery, and vulnerable customers
Checklist of questions for customers
Case example of new burn rate on core equity
Employee training log
Quiz you can administer to measure staff learning and a separate answer key
Attendance verification for CE credits provided upon request.
WHO SHOULD ATTEND? Chief Credit Officers, ag lenders, as well as new ag lenders, board members, management, and your customers (the growers and producers).
ABOUT THE PRESENTER – Dr. David Kohl, Virginia Tech, Professor Emeritus of Agricultural Finance and Small Business Management and Entrepreneurship. He taught in the Agricultural and Applied Economics Department for 25 years. Dr. Kohl currently energizes agricultural lenders, producers, and business people with his keen insight into the agricultural industry gained through extensive travel, research, and exposure during his career. He has traveled over 9 million miles in his career; conducted more than 6,000 workshops and seminars for agricultural audiences; published more than 1,500 articles; and writes for many leading publications. Dr. Kohl’s personal involvement with agriculture and interaction with key industry players provide a unique perspective into future trends of the agricultural industry and economy.
(04/18/17) The Future of FinTech & Blockchain/Bitcoin: A Look at New Technologies Reshaping Financial Services
Register Today!
In 2017, financial institutions will hear much more about innovative financial technology (FinTech) companies, distributed ledgers (like blockchain), and cryptocurrencies (like Bitcoin). While industry experts agree that “seamless integration with third parties” will be key for institutions going forward, many still fear the threats posed by FinTechs and new technologies transforming financial services. 2017 will be marked by continued “fintegration” (i.e., financial institutions and FinTechs coming together through powerful API platforms that expedite evolution of digital channels, enable mobile-first services, and improve user experience (UX)). These API platforms are what will ultimately give financial institutions the flexibility to partner with a growing array of best-of-breed FinTechs in ways that will enrich, extend, and differentiate their digital services. Join us for a bottom-line look at the latest financial technologies and companies, how banks are leveraging them, and what it all means for community banks and their future.
HIGHLIGHTS
FinTechs, fintegration, and the future of banking
The real threat to community banks: other financial institutions and silent churn
The unbundling and rebundling of banking: collaboration vs. disruption
API platforms: connecting banks and FinTechs
What they are, how they work, and why they matter
API models for now, soon, and later
Blockchain bottom-lined: how and when distributed ledgers will matter
Emerging techs reshaping payments
Voice-commerce; mobile order-ahead-&-pay, buy-online-pick-up-in-store
TAKE-AWAY TOOLKIT
Directory of open APIs: “The Programmable Web” site
Checklist: how to classify and assess FinTechs (disruptors vs. partners)
Employee training log
Quiz you can administer to measure staff learning and a separate answer key
Attendance verification for CE credits provided upon request.
WHO SHOULD ATTEND? This presentation is designed for executives, officers, and staff responsible for the strategy, assessment, and implementation/operation of emerging technologies and FinTech partnerships vital to the ongoing viability of the bank. This topic’s strategic implications also merit the attention of board members participating on the bank’s IT and risk committees.
ABOUT THE PRESENTER – Lee Wetherington, Jack Henry & Associates, Inc.®, Director of Strategic Insight for ProfitStars®, a division of Jack Henry & Associates®. He directs the development of actionable insight and strategy for the financial services industry. To this end, he creates programs, presentations, and articles designed to orient and educate financial executives on the trends and implications of new technologies. Lee has delivered over 400 keynotes nationwide focusing upon opportunities and challenges in payments and the online/mobile/social channels, and is widely renowned for his unique style of comedic delivery. His articles and commentary have been widely published across the financial services industry. Lee received bachelor degrees in Economics and English from Duke University in 1990, and, in 1993, he completed graduate studies at Emory University. In 1995, he earned the distinguished Accredited ACH Professional (AAP) certification from the National Automated Clearing House Association (NACHA).
In 2017, financial institutions will hear much more about innovative financial technology (FinTech) companies, distributed ledgers (like blockchain), and cryptocurrencies (like Bitcoin). While industry experts agree that “seamless integration with third parties” will be key for institutions going forward, many still fear the threats posed by FinTechs and new technologies transforming financial services. 2017 will be marked by continued “fintegration” (i.e., financial institutions and FinTechs coming together through powerful API platforms that expedite evolution of digital channels, enable mobile-first services, and improve user experience (UX)). These API platforms are what will ultimately give financial institutions the flexibility to partner with a growing array of best-of-breed FinTechs in ways that will enrich, extend, and differentiate their digital services. Join us for a bottom-line look at the latest financial technologies and companies, how banks are leveraging them, and what it all means for community banks and their future.
HIGHLIGHTS
FinTechs, fintegration, and the future of banking
The real threat to community banks: other financial institutions and silent churn
The unbundling and rebundling of banking: collaboration vs. disruption
API platforms: connecting banks and FinTechs
What they are, how they work, and why they matter
API models for now, soon, and later
Blockchain bottom-lined: how and when distributed ledgers will matter
Emerging techs reshaping payments
Voice-commerce; mobile order-ahead-&-pay, buy-online-pick-up-in-store
TAKE-AWAY TOOLKIT
Directory of open APIs: “The Programmable Web” site
Checklist: how to classify and assess FinTechs (disruptors vs. partners)
Employee training log
Quiz you can administer to measure staff learning and a separate answer key
Attendance verification for CE credits provided upon request.
WHO SHOULD ATTEND? This presentation is designed for executives, officers, and staff responsible for the strategy, assessment, and implementation/operation of emerging technologies and FinTech partnerships vital to the ongoing viability of the bank. This topic’s strategic implications also merit the attention of board members participating on the bank’s IT and risk committees.
ABOUT THE PRESENTER – Lee Wetherington, Jack Henry & Associates, Inc.®, Director of Strategic Insight for ProfitStars®, a division of Jack Henry & Associates®. He directs the development of actionable insight and strategy for the financial services industry. To this end, he creates programs, presentations, and articles designed to orient and educate financial executives on the trends and implications of new technologies. Lee has delivered over 400 keynotes nationwide focusing upon opportunities and challenges in payments and the online/mobile/social channels, and is widely renowned for his unique style of comedic delivery. His articles and commentary have been widely published across the financial services industry. Lee received bachelor degrees in Economics and English from Duke University in 1990, and, in 1993, he completed graduate studies at Emory University. In 1995, he earned the distinguished Accredited ACH Professional (AAP) certification from the National Automated Clearing House Association (NACHA).
(04/12/17) Risk Management Series: Developing a Risk-Based Compliance Audit for Your Loan Portfolio
Register Today!
Enforcement actions and civil money penalties for lending violations can be expensive! This program will address how to develop a dynamic, risk-based loan audit program that can prevent violations and protect your financial institution’s reputation. Learn which lending regulations apply, how to maximize limited time and resources, and how to implement effective corrective action. You will also learn how to use risk-assessment tools, develop a testing schedule, and determine the sample size for transaction testing. Critical elements for testing key lending regulations, writing audit reports, and many practical tips for a successful deposit compliance program will be covered.
HIGHLIGHTS
What are the benefits of using a risk-based compliance audit program for lending?
How are loan audit risk assessments completed?
What are the current hot buttons in loan audits and fair lending?
Five steps for a successful risk-based audit program
How to determine the audit scope and frequency
What are the eight elements of an audit program?
What type of corrective action should be recommended in an audit report?
TAKE-AWAY TOOLKIT
Template for audit work papers based on loan compliance exam procedures
Sample checklists for selected lending regulations
Fair lending risk assessment template
Employee training log
Quiz you can administer to measure staff learning and a separate answer key
Attendance verification for CE credits provided upon request.
WHO SHOULD ATTEND? Compliance officers, Chief Credit Officers, auditors, loan operations, and risk managers.
ABOUT THE PRESENTER – Susan Costonis, Compliance Consulting and Training for FIs, a compliance consultant and trainer who began her career in 1978. She specializes in compliance management along with deposit and lending regulatory training. 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 the OCC, FDIC, and Federal Reserve. Susan has been a Certified Regulatory Compliance Manager since 1998, completed the ABA Graduate Compliance School, and graduated from the University of Akron and the Graduate Banking School of the University of Colorado. She regularly presents to financial institution audiences in several states and “translates” complex regulations into simple concepts by using humor and real life examples.
Enforcement actions and civil money penalties for lending violations can be expensive! This program will address how to develop a dynamic, risk-based loan audit program that can prevent violations and protect your financial institution’s reputation. Learn which lending regulations apply, how to maximize limited time and resources, and how to implement effective corrective action. You will also learn how to use risk-assessment tools, develop a testing schedule, and determine the sample size for transaction testing. Critical elements for testing key lending regulations, writing audit reports, and many practical tips for a successful deposit compliance program will be covered.
HIGHLIGHTS
What are the benefits of using a risk-based compliance audit program for lending?
How are loan audit risk assessments completed?
What are the current hot buttons in loan audits and fair lending?
Five steps for a successful risk-based audit program
How to determine the audit scope and frequency
What are the eight elements of an audit program?
What type of corrective action should be recommended in an audit report?
TAKE-AWAY TOOLKIT
Template for audit work papers based on loan compliance exam procedures
Sample checklists for selected lending regulations
Fair lending risk assessment template
Employee training log
Quiz you can administer to measure staff learning and a separate answer key
Attendance verification for CE credits provided upon request.
WHO SHOULD ATTEND? Compliance officers, Chief Credit Officers, auditors, loan operations, and risk managers.
ABOUT THE PRESENTER – Susan Costonis, Compliance Consulting and Training for FIs, a compliance consultant and trainer who began her career in 1978. She specializes in compliance management along with deposit and lending regulatory training. 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 the OCC, FDIC, and Federal Reserve. Susan has been a Certified Regulatory Compliance Manager since 1998, completed the ABA Graduate Compliance School, and graduated from the University of Akron and the Graduate Banking School of the University of Colorado. She regularly presents to financial institution audiences in several states and “translates” complex regulations into simple concepts by using humor and real life examples.
(04/11/17) Managing TDRs Start to Finish: Initial Identification to Rewriting to Non-TDR Status
Register Today!
This webinar will provide an overview of managing troubled debt restructurings (TDRs) from initial identification to ultimate resolution. The ideal resolution is for the borrower to improve to the extent that no financial difficulty is demonstrated, the loan can be rewritten at market terms, and it is no longer identified as a TDR. Join us to learn what is necessary before such action can be taken. You will also learn about many other TDR considerations, including determining the proper risk rating and accrual status, performing the impairment analysis, and charge-off requirements. In addition, this webinar will look ahead at what CECL (current expected credit loss model) means for how TDRs are considered in the allowance process, because CECL which will significantly change the ALLL process for all financial institutions.
HIGHLIGHTS
Keys to identifying TDRs and processes to ensure appropriate recognition of TDRs
Important accounting and regulatory guidance related to TDRs
How risk ratings, accrual status, and charge-offs should be determined for TDRs
What does the often-repeated statement “once a TDR, always a TDR” mean for financial institutions in 2017?
Proper impairment analysis and allowance estimation practices as they relate to TDRs
Insight on how institutions might handle TDRs under CECL
TAKE-AWAY TOOLKIT
List of important accounting and regulatory references for TDR rules
Employee training log
Quiz you can administer to measure staff learning and a separate answer key
Attendance verification for CE credits provided upon request.
WHO SHOULD ATTEND? Chief Credit Officers, lenders and staff responsible for credit administration, credit risk management, and accounting.
ABOUT THE PRESENTER – Tommy Troyer, Young & Associates, Inc., Executive Vice President and manages the company’s lending division. In addition to presenting webinars and seminars, he contributes to capital planning, strategic planning, and other management consulting services. He also focuses on topics related to credit risk management, and assists clients with loan reviews, ALLL reviews, credit process reviews, and other lending-related services. Tommy joined Young & Associates, Inc. from the Bank Supervision Group at the Federal Reserve Bank of New York, where he focused on credit risk management practices at supervised institutions. His work focused on the ALLL, stress testing, and risk monitoring and reporting practices. Prior to his time in bank supervision, Tommy worked in the Federal Reserve Bank of New York’s Research Group. Tommy holds a Bachelor’s in Economics from Wittenberg University.
This webinar will provide an overview of managing troubled debt restructurings (TDRs) from initial identification to ultimate resolution. The ideal resolution is for the borrower to improve to the extent that no financial difficulty is demonstrated, the loan can be rewritten at market terms, and it is no longer identified as a TDR. Join us to learn what is necessary before such action can be taken. You will also learn about many other TDR considerations, including determining the proper risk rating and accrual status, performing the impairment analysis, and charge-off requirements. In addition, this webinar will look ahead at what CECL (current expected credit loss model) means for how TDRs are considered in the allowance process, because CECL which will significantly change the ALLL process for all financial institutions.
HIGHLIGHTS
Keys to identifying TDRs and processes to ensure appropriate recognition of TDRs
Important accounting and regulatory guidance related to TDRs
How risk ratings, accrual status, and charge-offs should be determined for TDRs
What does the often-repeated statement “once a TDR, always a TDR” mean for financial institutions in 2017?
Proper impairment analysis and allowance estimation practices as they relate to TDRs
Insight on how institutions might handle TDRs under CECL
TAKE-AWAY TOOLKIT
List of important accounting and regulatory references for TDR rules
Employee training log
Quiz you can administer to measure staff learning and a separate answer key
Attendance verification for CE credits provided upon request.
WHO SHOULD ATTEND? Chief Credit Officers, lenders and staff responsible for credit administration, credit risk management, and accounting.
ABOUT THE PRESENTER – Tommy Troyer, Young & Associates, Inc., Executive Vice President and manages the company’s lending division. In addition to presenting webinars and seminars, he contributes to capital planning, strategic planning, and other management consulting services. He also focuses on topics related to credit risk management, and assists clients with loan reviews, ALLL reviews, credit process reviews, and other lending-related services. Tommy joined Young & Associates, Inc. from the Bank Supervision Group at the Federal Reserve Bank of New York, where he focused on credit risk management practices at supervised institutions. His work focused on the ALLL, stress testing, and risk monitoring and reporting practices. Prior to his time in bank supervision, Tommy worked in the Federal Reserve Bank of New York’s Research Group. Tommy holds a Bachelor’s in Economics from Wittenberg University.
(04/06/17) Real Estate Series: CFPB Real Estate Loan Collection Rules for Mortgage Servicers & Your Bank
Register Today!
The CFPB adopted an overwhelming volume of changes to the mortgage servicing rules, effective October 19, 2017, and April 19, 2018. The most important changes relate to default and collection restrictions, successors in interest, mortgage foreclosures, and bankruptcy protections. This session will thoroughly explain the new changes to the mortgage servicing rules. It also will address early intervention, continuity of contact and loss mitigation procedures, and explain when small servicers are exempt.
HIGHLIGHTS
Which changes become effective October 19, 2017, and April 19, 2018
Timing restrictions on mortgage foreclosures
When lenders must provide loss mitigation options to borrowers more than once during the life of a loan
Expansion of the rules to cover a “successor in interest” including transfers caused by death, divorce, trust, or gift, and who qualifies as a “successor in interest”
What notices aren’t deemed to violate the automatic stay in bankruptcy
Applicability of the small servicer exemptions to the new changes
TAKE-AWAY TOOLKIT
Model form of periodic statements for consumers in Chapter 7 or 11 bankruptcies
Model form of periodic statements for consumers in Chapter 12 or 13 bankruptcies
Employee training log
Quiz you can administer to measure staff learning and a separate answer key
Attendance verification for CE credits provided upon request.
WHO SHOULD ATTEND? Mortgage loan officers, credit personnel, loan operations staff, compliance personnel, collection staff, managers, auditors, and attorneys.
ABOUT THE PRESENTER – Elizabeth Fast, Spencer Fane LLP, a partner where she specializes in the representation of financial institutions. Elizabeth is the head of the firm’s training division. She received her law degree from the University of Kansas and her undergraduate degree from Pittsburg State University. In addition, she has a Master of Business Administration degree and she is a Certified Public Accountant. Before joining Spencer Fane, she was General Counsel, Senior Vice President, and Corporate Secretary of a $9 billion bank with more than 130 branches, where she managed all legal, regulatory, and compliance functions. She is a member of the Missouri State Banking Board by appointment of the Governor.
The CFPB adopted an overwhelming volume of changes to the mortgage servicing rules, effective October 19, 2017, and April 19, 2018. The most important changes relate to default and collection restrictions, successors in interest, mortgage foreclosures, and bankruptcy protections. This session will thoroughly explain the new changes to the mortgage servicing rules. It also will address early intervention, continuity of contact and loss mitigation procedures, and explain when small servicers are exempt.
HIGHLIGHTS
Which changes become effective October 19, 2017, and April 19, 2018
Timing restrictions on mortgage foreclosures
When lenders must provide loss mitigation options to borrowers more than once during the life of a loan
Expansion of the rules to cover a “successor in interest” including transfers caused by death, divorce, trust, or gift, and who qualifies as a “successor in interest”
What notices aren’t deemed to violate the automatic stay in bankruptcy
Applicability of the small servicer exemptions to the new changes
TAKE-AWAY TOOLKIT
Model form of periodic statements for consumers in Chapter 7 or 11 bankruptcies
Model form of periodic statements for consumers in Chapter 12 or 13 bankruptcies
Employee training log
Quiz you can administer to measure staff learning and a separate answer key
Attendance verification for CE credits provided upon request.
WHO SHOULD ATTEND? Mortgage loan officers, credit personnel, loan operations staff, compliance personnel, collection staff, managers, auditors, and attorneys.
ABOUT THE PRESENTER – Elizabeth Fast, Spencer Fane LLP, a partner where she specializes in the representation of financial institutions. Elizabeth is the head of the firm’s training division. She received her law degree from the University of Kansas and her undergraduate degree from Pittsburg State University. In addition, she has a Master of Business Administration degree and she is a Certified Public Accountant. Before joining Spencer Fane, she was General Counsel, Senior Vice President, and Corporate Secretary of a $9 billion bank with more than 130 branches, where she managed all legal, regulatory, and compliance functions. She is a member of the Missouri State Banking Board by appointment of the Governor.
(04/5/17) Human Resource Dos & Don’ts for Supervisors
Register Today!
Supervisors are a key factor in employee success. Statistics suggest that employees who trust and are recognized by their supervisors are more likely to be engaged and less likely to quit – either by leaving the organization or staying but not contributing. Therefore, it’s in the best interest of the HR team to provide supervisors with tools to help them succeed – whether they have been newly appointed, newly promoted, or just need a refresher. Supervisors need to know the “hard” skills of HR and the “soft” skills of effective management. This webinar will teach you to create programs and training materials that will positively impact the team and the bottom line.
HIGHLIGHTS
Must-know employment laws and regulations and the consequences of noncompliance
Tools to help supervisors become effective recruiters, coaches, disciplinarians, and evaluators
Improving supervisors’ communication, motivation, and problem-solving skills
Opportunities for supervisors to engage and retain good employees
TAKE-AWAY TOOLKIT
Recruitment and selection protocols, including an EEO quiz
Coaching tips
Performance management and misconduct issues
Tools to self-assess communication, motivation, and problem-solving skills
Retention strategies checklist
Employee training log
Quiz you can administer to measure staff learning and a separate answer key
DON’T MISS THIS RELATED WEBINAR!
Dealing with Employee Discipline, Complaints, Performance Issues & More
on Wednesday, August 9, 2017
Attendance verification for CE credits provided upon request.
WHO SHOULD ATTEND? Human resources team members interested in helping supervisors be successful. It will also help supervisors better understand their roles and responsibilities.
ABOUT THE PRESENTER – Kay Robinson, Robinson HR Consulting, LLC, Principal, who has served as an HR consultant and practitioner for over 25 years, including 14+ years as Director of HR Consulting Services with RSM McGladrey; Assistant Vice Chancellor for HR at the University of North Carolina; and Associate Director for HR at the University of Rochester/Strong Memorial Hospital. A frequent speaker, Kay received her Bachelor’s and Master’s degrees in HR/Adult Learning at the University of Rochester; is a Senior Certified Professional (SHRM – SCP) and a Certified Senior Professional in Human Resources (SPHR) through the Human Resources Certification Institute (HRCI).
Supervisors are a key factor in employee success. Statistics suggest that employees who trust and are recognized by their supervisors are more likely to be engaged and less likely to quit – either by leaving the organization or staying but not contributing. Therefore, it’s in the best interest of the HR team to provide supervisors with tools to help them succeed – whether they have been newly appointed, newly promoted, or just need a refresher. Supervisors need to know the “hard” skills of HR and the “soft” skills of effective management. This webinar will teach you to create programs and training materials that will positively impact the team and the bottom line.
HIGHLIGHTS
Must-know employment laws and regulations and the consequences of noncompliance
Tools to help supervisors become effective recruiters, coaches, disciplinarians, and evaluators
Improving supervisors’ communication, motivation, and problem-solving skills
Opportunities for supervisors to engage and retain good employees
TAKE-AWAY TOOLKIT
Recruitment and selection protocols, including an EEO quiz
Coaching tips
Performance management and misconduct issues
Tools to self-assess communication, motivation, and problem-solving skills
Retention strategies checklist
Employee training log
Quiz you can administer to measure staff learning and a separate answer key
DON’T MISS THIS RELATED WEBINAR!
Dealing with Employee Discipline, Complaints, Performance Issues & More
on Wednesday, August 9, 2017
Attendance verification for CE credits provided upon request.
WHO SHOULD ATTEND? Human resources team members interested in helping supervisors be successful. It will also help supervisors better understand their roles and responsibilities.
ABOUT THE PRESENTER – Kay Robinson, Robinson HR Consulting, LLC, Principal, who has served as an HR consultant and practitioner for over 25 years, including 14+ years as Director of HR Consulting Services with RSM McGladrey; Assistant Vice Chancellor for HR at the University of North Carolina; and Associate Director for HR at the University of Rochester/Strong Memorial Hospital. A frequent speaker, Kay received her Bachelor’s and Master’s degrees in HR/Adult Learning at the University of Rochester; is a Senior Certified Professional (SHRM – SCP) and a Certified Senior Professional in Human Resources (SPHR) through the Human Resources Certification Institute (HRCI).
(04/04/17) Website & Social Media Common Compliance Violations
Register Today!
Do your institution’s website and social media comply with federal consumer protection regulations? This session will teach you what must be said on the website and the related timing requirements. You will learn about the regulations that shape website content and language and your regulatory responsibilities. Examiners are increasingly focusing on social media compliance. Learn the advertising requirements for the regulations listed below and how to avoid the most common compliance violations.
HIGHLIGHTS
Truth in Savings: savings, checking, CDs, and “free” accounts
Truth in Lending: closed-end, open-end, HELOCs, and credit cards
Fair lending: senior accounts and website pictures
UDAAP
E-SIGN
TAKE-AWAY TOOLKIT
Employee training log
Quiz you can administer to measure staff learning and a separate answer key
DON’T MISS THIS RELATED WEBINAR!
E-Compliance Rules, Policies & Best Practices for Email, Web, Mobile & Social Media
on Tuesday, July 25, 2017
Attendance verification for CE credits provided upon request.
WHO SHOULD ATTEND? Website administrators, social media coordinators, compliance officers, internal auditors, and marketing staff.
ABOUT THE PRESENTER – John Zasada, CliftonLarsonAllen, LLP, who leads the financial institution regulatory compliance practice. He assists financial institutions nationwide in establishing regulatory compliance programs, conducting compliance testing, training staff on regulations, and performing website compliance assessments. Prior to joining CliftonLarsonAllen, John was managing director at McGladrey, where he led a national financial institution compliance practice. Prior to working at McGladrey, John was the compliance officer of a large financial institution where he developed and implemented their first regulatory compliance program. John is a frequent speaker at financial industry conferences and state associations on topics ranging from regulatory compliance trends to BSA/AML/OFAC issues, compliance management to marketing, and website compliance. He earned a Bachelor’s from the University of Colorado at Boulder and a JD degree from the Vermont Law School.
Do your institution’s website and social media comply with federal consumer protection regulations? This session will teach you what must be said on the website and the related timing requirements. You will learn about the regulations that shape website content and language and your regulatory responsibilities. Examiners are increasingly focusing on social media compliance. Learn the advertising requirements for the regulations listed below and how to avoid the most common compliance violations.
HIGHLIGHTS
Truth in Savings: savings, checking, CDs, and “free” accounts
Truth in Lending: closed-end, open-end, HELOCs, and credit cards
Fair lending: senior accounts and website pictures
UDAAP
E-SIGN
TAKE-AWAY TOOLKIT
Employee training log
Quiz you can administer to measure staff learning and a separate answer key
DON’T MISS THIS RELATED WEBINAR!
E-Compliance Rules, Policies & Best Practices for Email, Web, Mobile & Social Media
on Tuesday, July 25, 2017
Attendance verification for CE credits provided upon request.
WHO SHOULD ATTEND? Website administrators, social media coordinators, compliance officers, internal auditors, and marketing staff.
ABOUT THE PRESENTER – John Zasada, CliftonLarsonAllen, LLP, who leads the financial institution regulatory compliance practice. He assists financial institutions nationwide in establishing regulatory compliance programs, conducting compliance testing, training staff on regulations, and performing website compliance assessments. Prior to joining CliftonLarsonAllen, John was managing director at McGladrey, where he led a national financial institution compliance practice. Prior to working at McGladrey, John was the compliance officer of a large financial institution where he developed and implemented their first regulatory compliance program. John is a frequent speaker at financial industry conferences and state associations on topics ranging from regulatory compliance trends to BSA/AML/OFAC issues, compliance management to marketing, and website compliance. He earned a Bachelor’s from the University of Colorado at Boulder and a JD degree from the Vermont Law School.
(03/30/17) UDAAP Challenges: Practices, Risk Mitigation, Regulator Expectations & Case Studies
Register Today!
Unfair, deceptive, or abusive acts or practices (UDAAP) continues to be one of the hottest regulatory issues and can be one of the most challenging areas to manage. The challenge is twofold. First, practices that were once considered acceptable are now being cited as significant violations and are often accompanied with large, public fines. In addition, UDAAP seems to be a moving target as patterns in newly discovered violations are rarely consistent. The result is that many financial institutions have a problem and don’t even realize it. Therefore, it is imperative that every financial institution appropriately manage the risk of potential UDAAP violations.
This presentation is designed to assist financial institutions uncover and mitigate UDAAP risk. You will learn the differences between unfair, deceptive, and abusive acts and practices. Examiner expectations will be addressed by reviewing the current UDAAP exam procedures and other relevant guidance. In addition, the session will provide an overview of complaint management and case studies of cited UDAAP violations – plus guidance on conducting an internal UDAAP review.
HIGHLIGHTS
Understanding each UDAAP component (unfair, deceptive, and abusive)
Discovering potential violations
Regulatory expectations, including an overview of the exam procedures
Complaint management and UDAAP
Case studies with examples of cited violations
Conducting a UDAAP review
TAKE-AWAY TOOLKIT
Comprehensive manual explaining topics covered in the presentation
Step-by-step procedures for conducting your own UDAAP compliance review
Checklist of known UDAAP violations to compare to your practices
Employee training log
Quiz you can administer to measure staff learning and a separate answer key
Attendance verification for CE credits provided upon request.
WHO SHOULD ATTEND? Those responsible for identifying and mitigating UDAAP risk, including compliance officers, auditors, chief risk officers, chief operating officers, and senior management.
ABOUT THE PRESENTER – Adam Witmer, CRCM, Young & Associates, Inc., Senior Consultant where he focuses on regulatory compliance and serves clients in the Midwest. Adam is a popular nationwide speaker who makes compliance fun by using relevant, real-life stories. He provides in-house training for clients, delivers keynote speeches, conducts compliance webinars, and writes articles for various publications. Prior to joining Young & Associates, Inc., Adam served as an officer and the Director of Compliance for a multi-bank holding company. He has held the titles of Compliance Officer, BSA Officer, and CRA Officer for multiple institutions, and has experience in the areas of internal audit, deposit and loan operations, retail banking, and secondary-market lending. He holds the designation of Certified Regulatory Compliance Manager (CRCM), a Bachelor’s in Business Administration from Taylor University, and an MBA in Management and Human Resources from Indiana Tech.
Unfair, deceptive, or abusive acts or practices (UDAAP) continues to be one of the hottest regulatory issues and can be one of the most challenging areas to manage. The challenge is twofold. First, practices that were once considered acceptable are now being cited as significant violations and are often accompanied with large, public fines. In addition, UDAAP seems to be a moving target as patterns in newly discovered violations are rarely consistent. The result is that many financial institutions have a problem and don’t even realize it. Therefore, it is imperative that every financial institution appropriately manage the risk of potential UDAAP violations.
This presentation is designed to assist financial institutions uncover and mitigate UDAAP risk. You will learn the differences between unfair, deceptive, and abusive acts and practices. Examiner expectations will be addressed by reviewing the current UDAAP exam procedures and other relevant guidance. In addition, the session will provide an overview of complaint management and case studies of cited UDAAP violations – plus guidance on conducting an internal UDAAP review.
HIGHLIGHTS
Understanding each UDAAP component (unfair, deceptive, and abusive)
Discovering potential violations
Regulatory expectations, including an overview of the exam procedures
Complaint management and UDAAP
Case studies with examples of cited violations
Conducting a UDAAP review
TAKE-AWAY TOOLKIT
Comprehensive manual explaining topics covered in the presentation
Step-by-step procedures for conducting your own UDAAP compliance review
Checklist of known UDAAP violations to compare to your practices
Employee training log
Quiz you can administer to measure staff learning and a separate answer key
Attendance verification for CE credits provided upon request.
WHO SHOULD ATTEND? Those responsible for identifying and mitigating UDAAP risk, including compliance officers, auditors, chief risk officers, chief operating officers, and senior management.
ABOUT THE PRESENTER – Adam Witmer, CRCM, Young & Associates, Inc., Senior Consultant where he focuses on regulatory compliance and serves clients in the Midwest. Adam is a popular nationwide speaker who makes compliance fun by using relevant, real-life stories. He provides in-house training for clients, delivers keynote speeches, conducts compliance webinars, and writes articles for various publications. Prior to joining Young & Associates, Inc., Adam served as an officer and the Director of Compliance for a multi-bank holding company. He has held the titles of Compliance Officer, BSA Officer, and CRA Officer for multiple institutions, and has experience in the areas of internal audit, deposit and loan operations, retail banking, and secondary-market lending. He holds the designation of Certified Regulatory Compliance Manager (CRCM), a Bachelor’s in Business Administration from Taylor University, and an MBA in Management and Human Resources from Indiana Tech.
(03/29/17) Director Series: The Board Evaluation Process: Steps, Tools & More
Register Today!
Serving on a community bank’s board of directors is much different than it was 15 years ago. The primary responsibility is the same – to enhance value for the shareholders. But the post-recession environment has ushered in a new era of responsibility for the board. Enterprise risk management, Basel III, cyber security, industry consolidation, and the like all require proactive, reasoned decision-making by each board member. Every member must pull his or her weight. How should a community bank go about assessing the effectiveness of its board? This webinar will explain how to inform directors of their duties and responsibilities and highlight industry expectations for the board. The presentation will provide an overview of best practices for evaluating the board as a whole, as well as individual directors.
HIGHLIGHTS
A director’s real job
Directors’ specific duties, responsibilities, and role in the current regulatory environment
Building an effective board
Evaluation best practices
Succession planning for the board
TAKE-AWAY TOOLKIT
Sample evaluation forms for directors, chairpersons, and CEOs
Article on board evaluation and succession
Employee training log
Quiz you can administer to measure staff learning and a separate answer key
Attendance verification for CE credits provided upon request.
WHO SHOULD ATTEND? Directors and senior officers of community banks.
ABOUT THE PRESENTER – Jeffrey C. Gerrish, Gerrish Smith Tuck, Consultants & Attorneys, Chairman of the Board and a member of the Memphis-based law firm of Gerrish Smith Tuck, PC, Attorneys. The two firms have assisted over 2,000 financial institutions in all 50 states. Jeff’s consulting and legal practice places special emphasis on strategic planning; community bank mergers and acquisitions; dealing with the regulators, particularly as related to enforcement actions; bank holding company formations; acquisition and ownership planning for directors; stock repurchase plans; regulatory and compliance issues, including fair lending, unfair and deceptive and abusive practices; capital raising; securities law; ESOPs; and other matters of importance to community financial institutions.
Serving on a community bank’s board of directors is much different than it was 15 years ago. The primary responsibility is the same – to enhance value for the shareholders. But the post-recession environment has ushered in a new era of responsibility for the board. Enterprise risk management, Basel III, cyber security, industry consolidation, and the like all require proactive, reasoned decision-making by each board member. Every member must pull his or her weight. How should a community bank go about assessing the effectiveness of its board? This webinar will explain how to inform directors of their duties and responsibilities and highlight industry expectations for the board. The presentation will provide an overview of best practices for evaluating the board as a whole, as well as individual directors.
HIGHLIGHTS
A director’s real job
Directors’ specific duties, responsibilities, and role in the current regulatory environment
Building an effective board
Evaluation best practices
Succession planning for the board
TAKE-AWAY TOOLKIT
Sample evaluation forms for directors, chairpersons, and CEOs
Article on board evaluation and succession
Employee training log
Quiz you can administer to measure staff learning and a separate answer key
Attendance verification for CE credits provided upon request.
WHO SHOULD ATTEND? Directors and senior officers of community banks.
ABOUT THE PRESENTER – Jeffrey C. Gerrish, Gerrish Smith Tuck, Consultants & Attorneys, Chairman of the Board and a member of the Memphis-based law firm of Gerrish Smith Tuck, PC, Attorneys. The two firms have assisted over 2,000 financial institutions in all 50 states. Jeff’s consulting and legal practice places special emphasis on strategic planning; community bank mergers and acquisitions; dealing with the regulators, particularly as related to enforcement actions; bank holding company formations; acquisition and ownership planning for directors; stock repurchase plans; regulatory and compliance issues, including fair lending, unfair and deceptive and abusive practices; capital raising; securities law; ESOPs; and other matters of importance to community financial institutions.
(03/23/17) Securing Collateral Part 1: Form UCC-1 – Initial Filing & Perfection of Security Interests
Register Today!
Filing a UCC-1 Financing Statement is the most common method used to perfect a security interest in collateral. But completing the form and determining the appropriate filing office can be tricky. Are you doing it correctly? An improperly completed or filed UCC-1 will result in your institution’s loss of its perfected security interest. This webinar will explain how to properly obtain a security interest in collateral, and how to properly complete each section of the UCC-1 Financing Statement and where to file the UCC-1 Financing Statement in every type of consumer and commercial debtor situation. Join us for this informative webinar to ensure your collateral is properly secured.
HIGHLIGHTS
How to obtain a security interest in collateral
Determining the debtor’s proper name
How to properly describe the collateral
Line-by-line review of the UCC-1 Financing Statement and how to complete each section
Review of the UCC-1 Addendum and when to use this form
Where to file for every type of consumer and commercial debtor
TAKE-AWAY TOOLKIT
Official UCC-1 Financing Statement and Addendum, including instructions
Employee training log
Quiz you can administer to measure staff learning and a separate answer key
DON’T MISS PARTS 2 & 3!
This program is the first of three in a series – watch for Securing Collateral Part 2: Form UCC-3 & Amending, Continuing or Terminating Security Interests on Wednesday, April 26, 2017 & Securing Collateral Part 3: Legal & Compliance Issues in Obtaining Priority in Collateral, Including Purchase Money Security Interests on Thursday, May 18, 2017
Attendance verification for CE credits provided upon request.
WHO SHOULD ATTEND? Loan officers, loan operations staff, credit administration personnel, managers, compliance personnel, auditors, attorneys, and others involved in the credit process.
ABOUT THE PRESENTER – Elizabeth Fast, JD, CPA, Spencer Fane LLP, partner with where she specializes in the representation of financial institutions. Elizabeth is the head of the firm’s training division. She received her law degree from the University of Kansas and her undergraduate degree from Pittsburg State University. In addition, she has a Master of Business Administration degree and she is a Certified Public Accountant. Before joining Spencer Fane, she was General Counsel, Senior Vice President, and Corporate Secretary of a $9 billion bank with more than 130 branches, where she managed all legal, regulatory, and compliance functions. She is a member of the Missouri State Banking Board by appointment of the Governor.
Filing a UCC-1 Financing Statement is the most common method used to perfect a security interest in collateral. But completing the form and determining the appropriate filing office can be tricky. Are you doing it correctly? An improperly completed or filed UCC-1 will result in your institution’s loss of its perfected security interest. This webinar will explain how to properly obtain a security interest in collateral, and how to properly complete each section of the UCC-1 Financing Statement and where to file the UCC-1 Financing Statement in every type of consumer and commercial debtor situation. Join us for this informative webinar to ensure your collateral is properly secured.
HIGHLIGHTS
How to obtain a security interest in collateral
Determining the debtor’s proper name
How to properly describe the collateral
Line-by-line review of the UCC-1 Financing Statement and how to complete each section
Review of the UCC-1 Addendum and when to use this form
Where to file for every type of consumer and commercial debtor
TAKE-AWAY TOOLKIT
Official UCC-1 Financing Statement and Addendum, including instructions
Employee training log
Quiz you can administer to measure staff learning and a separate answer key
DON’T MISS PARTS 2 & 3!
This program is the first of three in a series – watch for Securing Collateral Part 2: Form UCC-3 & Amending, Continuing or Terminating Security Interests on Wednesday, April 26, 2017 & Securing Collateral Part 3: Legal & Compliance Issues in Obtaining Priority in Collateral, Including Purchase Money Security Interests on Thursday, May 18, 2017
Attendance verification for CE credits provided upon request.
WHO SHOULD ATTEND? Loan officers, loan operations staff, credit administration personnel, managers, compliance personnel, auditors, attorneys, and others involved in the credit process.
ABOUT THE PRESENTER – Elizabeth Fast, JD, CPA, Spencer Fane LLP, partner with where she specializes in the representation of financial institutions. Elizabeth is the head of the firm’s training division. She received her law degree from the University of Kansas and her undergraduate degree from Pittsburg State University. In addition, she has a Master of Business Administration degree and she is a Certified Public Accountant. Before joining Spencer Fane, she was General Counsel, Senior Vice President, and Corporate Secretary of a $9 billion bank with more than 130 branches, where she managed all legal, regulatory, and compliance functions. She is a member of the Missouri State Banking Board by appointment of the Governor.
(03/22/17) Account Documentation Series: Opening Deposit Accounts Online: Rules, Risks & Best Practices
Register Today!
Electronic banking continues to evolve, and financial institutions must work hard to keep pace with technology, regulatory requirements, and cyber security challenges. Recent surveys indicate that 51% of U.S. adults use an online banking application. This fast-paced session will cover the required disclosures for opening deposit accounts, E-SIGN compliance, due diligence for CIP under the Bank Secrecy Act, and best practices for opening deposit accounts online. This session will include a review of the six-step process for consumer consent and common challenges with deposit account opening procedures.
HIGHLIGHTS
Which deposit regulations are related to E-SIGN and have specific compliance provisions?
Common questions for E-SIGN
Six-step consumer consent process
Availability of paper delivery or paper copies
Consent choices
Consumer actions
Hardware and software requirements
Affirmative consent
After-consent disclosure
Basic steps for E-SIGN implementation
Getting started and CIP due diligence
Identify pain points
Vendor selection considerations
Assessing the risk – current expectations from the FFIEC for cyber security risk assessment
TAKE-AWAY TOOLKIT
Current exam procedures and resources for online banking
E-SIGN checklist and answers to common questions
Social media policy template
Employee training log
Quiz you can administer to measure staff learning and a separate answer key
Attendance verification for CE credits provided upon request.
WHO SHOULD ATTEND? E-banking compliance and will benefit compliance officers, risk managers, operations managers, business development managers, and others responsible for managing online banking, E-SIGN compliance, e-statements, and e-disclosures.
ABOUT THE PRESENTER – Susan Costonis, Compliance Consulting and Training for FIs, compliance consultant and trainer who began her career in 1978. She specializes in compliance management along with deposit and lending regulatory training. 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 the OCC, FDIC, and Federal Reserve. Susan has been a Certified Regulatory Compliance Manager since 1998, completed the ABA Graduate Compliance School, and graduated from the University of Akron and the Graduate Banking School of the University of Colorado. She regularly presents to financial institution audiences in several states and “translates” complex regulations into simple concepts by using humor and real life examples.
Electronic banking continues to evolve, and financial institutions must work hard to keep pace with technology, regulatory requirements, and cyber security challenges. Recent surveys indicate that 51% of U.S. adults use an online banking application. This fast-paced session will cover the required disclosures for opening deposit accounts, E-SIGN compliance, due diligence for CIP under the Bank Secrecy Act, and best practices for opening deposit accounts online. This session will include a review of the six-step process for consumer consent and common challenges with deposit account opening procedures.
HIGHLIGHTS
Which deposit regulations are related to E-SIGN and have specific compliance provisions?
Common questions for E-SIGN
Six-step consumer consent process
Availability of paper delivery or paper copies
Consent choices
Consumer actions
Hardware and software requirements
Affirmative consent
After-consent disclosure
Basic steps for E-SIGN implementation
Getting started and CIP due diligence
Identify pain points
Vendor selection considerations
Assessing the risk – current expectations from the FFIEC for cyber security risk assessment
TAKE-AWAY TOOLKIT
Current exam procedures and resources for online banking
E-SIGN checklist and answers to common questions
Social media policy template
Employee training log
Quiz you can administer to measure staff learning and a separate answer key
Attendance verification for CE credits provided upon request.
WHO SHOULD ATTEND? E-banking compliance and will benefit compliance officers, risk managers, operations managers, business development managers, and others responsible for managing online banking, E-SIGN compliance, e-statements, and e-disclosures.
ABOUT THE PRESENTER – Susan Costonis, Compliance Consulting and Training for FIs, compliance consultant and trainer who began her career in 1978. She specializes in compliance management along with deposit and lending regulatory training. 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 the OCC, FDIC, and Federal Reserve. Susan has been a Certified Regulatory Compliance Manager since 1998, completed the ABA Graduate Compliance School, and graduated from the University of Akron and the Graduate Banking School of the University of Colorado. She regularly presents to financial institution audiences in several states and “translates” complex regulations into simple concepts by using humor and real life examples.
(03/21/17) ACH Specialist Series: ACH Rules Update 2017
Register Today!
Attend this important webinar for a comprehensive overview and understanding of upcoming ACH rule amendments. Are you prepared to process Same Day ACH debits? What lessons have been learned since introducing Same Day ACH credits? What do the third-party registration rules mean to your organization? Join us to gain insight on the 2017 amendments and glimpse the future with an overview of NACHA initiatives.
HIGHLIGHTS
Key components of the Same Day ACH debit rules, including the phased implementation schedule
2017 operational impacts of Same Day ACH to ODFIs and RDFIs
How third-party registration rules affect ACH participants
Minor rule amendments for 2017
Overview of current NACHA initiatives, including account validation
TAKE-AWAY TOOLKIT
2017 rule change resource sheet
Employee training log
Quiz you can administer to measure staff learning and a separate answer key
This course is eligible for 1.8 AAP credits.
Attendance verification for CE credits provided upon request.
WHO SHOULD ATTEND? ACH professionals, audit/compliance staff, ACH operations personnel, and AAP candidates.
ABOUT THE PRESENTER – Jen Kirk, AAP, MBA, EPCOR, Director, Industry Relations, for EPCOR. She has been with EPCOR since 2002, and has presented at several national conferences on subjects such as ACH risk, ACH enforcement, ACH relationships, government ACH payments, and preparing for the Accredited ACH Professional (AAP) exam. Jen has served as a member of the National ACH Association (NACHA) Rules and Operations Committee, Member Rules Review Panel, Electronic Check Council, and was co-chair of the National ACH Forum Education Committee. Jen obtained her AAP in 2003, and received an MBA from Ohio University in 2008.
Attend this important webinar for a comprehensive overview and understanding of upcoming ACH rule amendments. Are you prepared to process Same Day ACH debits? What lessons have been learned since introducing Same Day ACH credits? What do the third-party registration rules mean to your organization? Join us to gain insight on the 2017 amendments and glimpse the future with an overview of NACHA initiatives.
HIGHLIGHTS
Key components of the Same Day ACH debit rules, including the phased implementation schedule
2017 operational impacts of Same Day ACH to ODFIs and RDFIs
How third-party registration rules affect ACH participants
Minor rule amendments for 2017
Overview of current NACHA initiatives, including account validation
TAKE-AWAY TOOLKIT
2017 rule change resource sheet
Employee training log
Quiz you can administer to measure staff learning and a separate answer key
This course is eligible for 1.8 AAP credits.
Attendance verification for CE credits provided upon request.
WHO SHOULD ATTEND? ACH professionals, audit/compliance staff, ACH operations personnel, and AAP candidates.
ABOUT THE PRESENTER – Jen Kirk, AAP, MBA, EPCOR, Director, Industry Relations, for EPCOR. She has been with EPCOR since 2002, and has presented at several national conferences on subjects such as ACH risk, ACH enforcement, ACH relationships, government ACH payments, and preparing for the Accredited ACH Professional (AAP) exam. Jen has served as a member of the National ACH Association (NACHA) Rules and Operations Committee, Member Rules Review Panel, Electronic Check Council, and was co-chair of the National ACH Forum Education Committee. Jen obtained her AAP in 2003, and received an MBA from Ohio University in 2008.
(Recording + Free Digital Download) Flood Compliance in Lending Part 2: Post Loan Closing
Email to order Recording + Free Digital Download
Flood insurance requirements are important – and numerous. Loan origination compliance requirements were covered during Part 1 of this two-part series. But ongoing flood compliance post-closing is of equal importance and similarly regulation heavy, with many technical requirements. Flood citations are not slowing down and examiners frequently assess penalties. This is a high-risk area for any lender, regardless of whether you have a handful or scores of flood loans. Part 2 will explain how to ensure your procedures are compliant with ongoing flood requirements. It will also address issues and FAQs outlined by the CFPB.
HIGHLIGHTS
Monitoring and tracking flood insurance policies
Borrower notifications for flood-plain properties
Ongoing flood escrow requirements
Force-placement requirements
Preparing for your exam – how to know if you are ready
FAQs regarding flood requirements post loan closing
TAKE-AWAY TOOLKIT
Sample tracking spreadsheet
Sample force-placement procedures
Employee training log
Quiz you can administer to measure staff learning and a separate answer key
DON’T MISS PART 1!
This program is the second of two in a series Flood Compliance in Lending Part 1: Loan Origination on Thursday, February 23, 2017
All webinars are available for six months after broadcast
Attendance verification for CE credits provided upon request.
WHO SHOULD ATTEND? Lenders, loan processors, compliance officers, and auditors.
ABOUT THE PRESENTER – Ann Brode-Harner, Brode Consulting Services, Inc., began her career in 1973 and has continued her service as a consultant to regional and community financial institutions through a wide range of areas including strategic planning, lending, deposits, marketing, training, compliance, and management. Ann is a well-respected presenter and has spoken to audiences across the country for over 25 years. She has presented sessions for numerous state associations and has taught at the School of Banking Administration at the University of Wisconsin as well as many other state banking schools. Ann is the author of “The Bank Deposit Documentation Manual for Front-Line Personnel” published by Bankers Publishing Company, and is well represented in numerous industry publications.
Flood insurance requirements are important – and numerous. Loan origination compliance requirements were covered during Part 1 of this two-part series. But ongoing flood compliance post-closing is of equal importance and similarly regulation heavy, with many technical requirements. Flood citations are not slowing down and examiners frequently assess penalties. This is a high-risk area for any lender, regardless of whether you have a handful or scores of flood loans. Part 2 will explain how to ensure your procedures are compliant with ongoing flood requirements. It will also address issues and FAQs outlined by the CFPB.
HIGHLIGHTS
Monitoring and tracking flood insurance policies
Borrower notifications for flood-plain properties
Ongoing flood escrow requirements
Force-placement requirements
Preparing for your exam – how to know if you are ready
FAQs regarding flood requirements post loan closing
TAKE-AWAY TOOLKIT
Sample tracking spreadsheet
Sample force-placement procedures
Employee training log
Quiz you can administer to measure staff learning and a separate answer key
DON’T MISS PART 1!
This program is the second of two in a series Flood Compliance in Lending Part 1: Loan Origination on Thursday, February 23, 2017
All webinars are available for six months after broadcast
Attendance verification for CE credits provided upon request.
WHO SHOULD ATTEND? Lenders, loan processors, compliance officers, and auditors.
ABOUT THE PRESENTER – Ann Brode-Harner, Brode Consulting Services, Inc., began her career in 1973 and has continued her service as a consultant to regional and community financial institutions through a wide range of areas including strategic planning, lending, deposits, marketing, training, compliance, and management. Ann is a well-respected presenter and has spoken to audiences across the country for over 25 years. She has presented sessions for numerous state associations and has taught at the School of Banking Administration at the University of Wisconsin as well as many other state banking schools. Ann is the author of “The Bank Deposit Documentation Manual for Front-Line Personnel” published by Bankers Publishing Company, and is well represented in numerous industry publications.
(Recording + Free Digital Download) Regulation E Series: Regulation E Requirements for Debit Card Error Resolution: Processing, Disclosure & Investigation
Email to order Recording + Free Digital Download
Financial institutions must ensure they correctly interpret Regulation E. Complying with Regulation E for debit card error resolution can be tricky. There are deadlines and timeframes that must be met to ensure claims are handled properly. This program will define an error under Regulation E; explore timing requirements for investigation and resolution of unauthorized debit card transactions; and explain how to minimize financial losses and maximize accountholder satisfaction.
HIGHLIGHTS
Accountholder liability versus financial institution liability
The investigation
Provisional credit
Required communications
Recordkeeping
TAKE-AWAY TOOLKIT
Sample Regulation E error resolution tracking log
Regulation E error resolution flowchart
Employee training log
Quiz you can administer to measure staff learning and a separate answer key
This course is eligible for 1.8 AAP credits.
Attendance verification for CE credits provided upon request.
WHO SHOULD ATTEND? Card personnel, operations staff, branch personnel, compliance officers, and AAP candidates.
ABOUT THE PRESENTER – Michele L. Barlow, AAP, NCP, PAR/WACHA, Assistant Vice President/Director of Training headquartered in Wisconsin. Before joining the WACHA team in 2009, Michele spent several years as a corporate trainer in the financial industry. She is responsible for development and execution of association training and certification programs, conference planning, and member service. Michele is a member of NACHA’s Blue Ribbon Panel and is active on other national committees. She obtained her AAP certification in 2010, her NCP in 2011, and became an NCP Certified Trainer in 2012. Michele holds a Bachelor’s from the University of Wisconsin-Madison.
Financial institutions must ensure they correctly interpret Regulation E. Complying with Regulation E for debit card error resolution can be tricky. There are deadlines and timeframes that must be met to ensure claims are handled properly. This program will define an error under Regulation E; explore timing requirements for investigation and resolution of unauthorized debit card transactions; and explain how to minimize financial losses and maximize accountholder satisfaction.
HIGHLIGHTS
Accountholder liability versus financial institution liability
The investigation
Provisional credit
Required communications
Recordkeeping
TAKE-AWAY TOOLKIT
Sample Regulation E error resolution tracking log
Regulation E error resolution flowchart
Employee training log
Quiz you can administer to measure staff learning and a separate answer key
This course is eligible for 1.8 AAP credits.
Attendance verification for CE credits provided upon request.
WHO SHOULD ATTEND? Card personnel, operations staff, branch personnel, compliance officers, and AAP candidates.
ABOUT THE PRESENTER – Michele L. Barlow, AAP, NCP, PAR/WACHA, Assistant Vice President/Director of Training headquartered in Wisconsin. Before joining the WACHA team in 2009, Michele spent several years as a corporate trainer in the financial industry. She is responsible for development and execution of association training and certification programs, conference planning, and member service. Michele is a member of NACHA’s Blue Ribbon Panel and is active on other national committees. She obtained her AAP certification in 2010, her NCP in 2011, and became an NCP Certified Trainer in 2012. Michele holds a Bachelor’s from the University of Wisconsin-Madison.
(Recording + Free Digital Download) Qualifying Borrowers Using Personal Tax Returns Part 2: Schedules E & F
Email to order Recording + Free Digital Download
Part 2 of this series will cover Schedules E and F, which are some of the most difficult incomes to analyze. Rental properties can be looked at two different ways – one is often too conservative resulting in denied loans that should be approved. Partnerships and S Corps show pass-through incomes that are important to the IRS and tax preparers, yet mean almost nothing when determining cash flow. Farms often report income that was only partially taxable – or from a different tax year!
This session for consumer and commercial lenders will teach you how to read and understand a borrower’s tax return and convert taxable income into cash flow. It will make the process of analyzing personal income tax returns simple and understandable by using quality instruction and frequent examples. (Note: This method does not follow Fannie, Freddie, or QM rules used in mortgage lending.)
HIGHLIGHTS
Schedule E, Page 1: Rental and Royalty Income
Entails more than just adding back depreciation – learn how to find the real cash flow from these properties
Schedule E, Page 2: Partnerships and S Corporations
Most information that is passed through is useless because it doesn’t represent cash flow – learn what income can be relied upon and what should be ignored as phantom income
Schedule F: Farm Income – additional income that might be hidden in farmers’ tax returns
TAKE-AWAY TOOLKIT
Free link to download Lenders Tax Analyzer© software
Employee training log
Quiz you can administer to measure staff learning and a separate answer key
DON’T MISS PART 1!
This program is the second of two in a series Qualifying Borrowers Using Personal Tax Returns Part 1: Schedules A, B, C & D on Tuesday, February 14, 2017
All webinars are available for six months after broadcast
Attendance verification for CE credits provided upon request.
WHO SHOULD ATTEND? Anyone in the lending area including chief lending officers, service representatives, sales staff, new accounts personnel, loan officers, loan underwriters, credit analysts, loan processors, branch managers, CEOs, and other key lending staff.
ABOUT THE PRESENTER – Tim Harrington, CPA, TEAM Resources, President and has been a financial institution consultant for over 27 years. Tim has advised lenders on verifying income from tax returns since 1992, and consults with financial institutions nationwide on issues of strategy, profitability, and board governance. He speaks at nationwide conferences and has presented in Canada, Mexico, Puerto Rico, Jamaica, and the Virgin Islands. Tim is the author of the popular software, Lenders Tax Analyzer. In addition, his book “Eisenhower on Enlightened Leadership” has been used by management teams nationwide to improve leadership skills. He did his undergraduate studies at Gonzaga University and graduate studies at the University of Washington.
Part 2 of this series will cover Schedules E and F, which are some of the most difficult incomes to analyze. Rental properties can be looked at two different ways – one is often too conservative resulting in denied loans that should be approved. Partnerships and S Corps show pass-through incomes that are important to the IRS and tax preparers, yet mean almost nothing when determining cash flow. Farms often report income that was only partially taxable – or from a different tax year!
This session for consumer and commercial lenders will teach you how to read and understand a borrower’s tax return and convert taxable income into cash flow. It will make the process of analyzing personal income tax returns simple and understandable by using quality instruction and frequent examples. (Note: This method does not follow Fannie, Freddie, or QM rules used in mortgage lending.)
HIGHLIGHTS
Schedule E, Page 1: Rental and Royalty Income
Entails more than just adding back depreciation – learn how to find the real cash flow from these properties
Schedule E, Page 2: Partnerships and S Corporations
Most information that is passed through is useless because it doesn’t represent cash flow – learn what income can be relied upon and what should be ignored as phantom income
Schedule F: Farm Income – additional income that might be hidden in farmers’ tax returns
TAKE-AWAY TOOLKIT
Free link to download Lenders Tax Analyzer© software
Employee training log
Quiz you can administer to measure staff learning and a separate answer key
DON’T MISS PART 1!
This program is the second of two in a series Qualifying Borrowers Using Personal Tax Returns Part 1: Schedules A, B, C & D on Tuesday, February 14, 2017
All webinars are available for six months after broadcast
Attendance verification for CE credits provided upon request.
WHO SHOULD ATTEND? Anyone in the lending area including chief lending officers, service representatives, sales staff, new accounts personnel, loan officers, loan underwriters, credit analysts, loan processors, branch managers, CEOs, and other key lending staff.
ABOUT THE PRESENTER – Tim Harrington, CPA, TEAM Resources, President and has been a financial institution consultant for over 27 years. Tim has advised lenders on verifying income from tax returns since 1992, and consults with financial institutions nationwide on issues of strategy, profitability, and board governance. He speaks at nationwide conferences and has presented in Canada, Mexico, Puerto Rico, Jamaica, and the Virgin Islands. Tim is the author of the popular software, Lenders Tax Analyzer. In addition, his book “Eisenhower on Enlightened Leadership” has been used by management teams nationwide to improve leadership skills. He did his undergraduate studies at Gonzaga University and graduate studies at the University of Washington.
(Recording + Free Digital Download) Developing & Managing a Consumer Complaint Program – Avoiding Reputational Damage
Email to order Recording + Free Digital Download
Consumer complaints can uncover policy and procedure issues – as well as compliance deficiencies at a financial institution. Addressing complaints before they become widespread can help avoid regulatory action and reputational damage. Since the creation of the CFPB’s Consumer Complaint Database, over 650,000 consumer complaints have been addressed. These complaints are being used to create or revise regulations, and to enforce compliance through enforcement actions. Join us to learn how to create and manage an effective complaint handling program.
HIGHLIGHTS
Consumer complaint database statistics
Enforcement action case studies
How to create and manage an effective consumer complaint program
TAKE-AWAY TOOLKIT
Complaint policy considerations
Sample complaint log
Complaint management steps
Employee training log
Quiz you can administer to measure staff learning and a separate answer key
Attendance verification for CE credits provided upon request.
WHO SHOULD ATTEND? Customer service managers, compliance staff, lending managers, collection managers, and audit teams.
ABOUT THE PRESENTER – Veronica Madsen, JD, Howard & Howard Attorneys PLLC, an associate attorney where she specializes in financial institution regulatory compliance. Before joining Howard & Howard, she served as the VP of Compliance and Chief Compliance Officer with an emerging Fintech platform helping small and medium-sized businesses secure financing and working capital solutions. Veronica served as the BSA officer and was responsible for drafting compliance policies, procedures, and risk assessments; conducting compliance training and testing; and reviewing and revising contracts. She also owned ESTEE Compliance, LLC, which assisted community financial institutions with regulatory compliance. Veronica received her J.D. from the University of Detroit Mercy School of Law and her Bachelor’s from Central Michigan University.
Consumer complaints can uncover policy and procedure issues – as well as compliance deficiencies at a financial institution. Addressing complaints before they become widespread can help avoid regulatory action and reputational damage. Since the creation of the CFPB’s Consumer Complaint Database, over 650,000 consumer complaints have been addressed. These complaints are being used to create or revise regulations, and to enforce compliance through enforcement actions. Join us to learn how to create and manage an effective complaint handling program.
HIGHLIGHTS
Consumer complaint database statistics
Enforcement action case studies
How to create and manage an effective consumer complaint program
TAKE-AWAY TOOLKIT
Complaint policy considerations
Sample complaint log
Complaint management steps
Employee training log
Quiz you can administer to measure staff learning and a separate answer key
Attendance verification for CE credits provided upon request.
WHO SHOULD ATTEND? Customer service managers, compliance staff, lending managers, collection managers, and audit teams.
ABOUT THE PRESENTER – Veronica Madsen, JD, Howard & Howard Attorneys PLLC, an associate attorney where she specializes in financial institution regulatory compliance. Before joining Howard & Howard, she served as the VP of Compliance and Chief Compliance Officer with an emerging Fintech platform helping small and medium-sized businesses secure financing and working capital solutions. Veronica served as the BSA officer and was responsible for drafting compliance policies, procedures, and risk assessments; conducting compliance training and testing; and reviewing and revising contracts. She also owned ESTEE Compliance, LLC, which assisted community financial institutions with regulatory compliance. Veronica received her J.D. from the University of Detroit Mercy School of Law and her Bachelor’s from Central Michigan University.
(Recording + Free Digital Download) Hot Issues in Cyber Compliance, Including Recent Changes to the IT Handbook
Email to order the Recording + Free Digital Download
The proactive development of a robust and sustained information security program is critically important to the safety and soundness of your financial institution’s operations. Aligned with NIST’s framework and FFIEC’s Cybersecurity Assessment Tool, the amended Information Security Booklet, one of the 11 booklets that make up the Information Technology Handbook (IT Handbook), was updated to “help examiners measure the adequacy of an institution’s culture, governance, information security program, security operations, and assurance processes.”
This webinar will provide a high-level, non-technical overview of FFIEC’s amendments to the Information Security Booklet and how the updates can impact your financial institution’s information security program.
HIGHLIGHTS
Overview of Information Security Booklet’s examination procedure changes: Elimination of Tier I and Tier II procedures creating a single risk-based safety and soundness examination protocol
Information Security Booklet’s alignment with FFIEC’s cybersecurity assessment tool
FinCEN’s new cyber-event and cyber-enabled crime reporting expectations and impact on monitoring
Overview of FFIEC’s three actionable bullet points to ensure a robust information security program:
Support the institution’s IT risk management process by identifying threats, measuring risk, defining information security requirements, and implementing controls
Integrate with lines of business and support functions in which risk decisions are made
Integrate third-party service provider activities with the information security program
White House statement on the report of the Commission on Enhancing National Cybersecurity
TAKE-AWAY TOOLKIT
FFIEC’s Information Security Booklet weblink (September 2016)
FinCEN’s cyber-event advisory with frequently asked questions (October 2016)
Commission on Enhancing National Cybersecurity report (December 2016)
Automated FFIEC cybersecurity assessment tool spreadsheet (FS-ISAC)
Template for wire authentication and validation procedures
Employee training log
Quiz you can administer to measure staff learning and a separate answer key
Attendance verification for CE credits provided upon request.
WHO SHOULD ATTEND? Risk management, including information security, risk, compliance, audit, and legal staff, as well as board and audit committee members.
ABOUT THE PRESENTER – Brian W. Vitale, NCCO, CAMS-Audit, Compliance Advisory Services, earned his Political Science degree from North Central College in 1996 and an MBA from the University of Notre Dame in 2014. Brian was recruited by the National Security Division of the FBI where he specialized in counterterrorism and foreign counterintelligence. In addition, he is a decorated veteran who served in Guantanamo Bay, Cuba in the early 1990s. Subsequent to the FBI, Brian spent many years in banking and finance where his skills led him to the field of Global Operational Risk Management. He has over 23 years of banking, finance, and investigative experience. In July 2011, Brian joined a community financial institution and currently serves as their chief risk and compliance officer. He speaks nationally on BSA, anti-money laundering, enterprise risk management, cybersecurity, and strategy.
The proactive development of a robust and sustained information security program is critically important to the safety and soundness of your financial institution’s operations. Aligned with NIST’s framework and FFIEC’s Cybersecurity Assessment Tool, the amended Information Security Booklet, one of the 11 booklets that make up the Information Technology Handbook (IT Handbook), was updated to “help examiners measure the adequacy of an institution’s culture, governance, information security program, security operations, and assurance processes.”
This webinar will provide a high-level, non-technical overview of FFIEC’s amendments to the Information Security Booklet and how the updates can impact your financial institution’s information security program.
HIGHLIGHTS
Overview of Information Security Booklet’s examination procedure changes: Elimination of Tier I and Tier II procedures creating a single risk-based safety and soundness examination protocol
Information Security Booklet’s alignment with FFIEC’s cybersecurity assessment tool
FinCEN’s new cyber-event and cyber-enabled crime reporting expectations and impact on monitoring
Overview of FFIEC’s three actionable bullet points to ensure a robust information security program:
Support the institution’s IT risk management process by identifying threats, measuring risk, defining information security requirements, and implementing controls
Integrate with lines of business and support functions in which risk decisions are made
Integrate third-party service provider activities with the information security program
White House statement on the report of the Commission on Enhancing National Cybersecurity
TAKE-AWAY TOOLKIT
FFIEC’s Information Security Booklet weblink (September 2016)
FinCEN’s cyber-event advisory with frequently asked questions (October 2016)
Commission on Enhancing National Cybersecurity report (December 2016)
Automated FFIEC cybersecurity assessment tool spreadsheet (FS-ISAC)
Template for wire authentication and validation procedures
Employee training log
Quiz you can administer to measure staff learning and a separate answer key
Attendance verification for CE credits provided upon request.
WHO SHOULD ATTEND? Risk management, including information security, risk, compliance, audit, and legal staff, as well as board and audit committee members.
ABOUT THE PRESENTER – Brian W. Vitale, NCCO, CAMS-Audit, Compliance Advisory Services, earned his Political Science degree from North Central College in 1996 and an MBA from the University of Notre Dame in 2014. Brian was recruited by the National Security Division of the FBI where he specialized in counterterrorism and foreign counterintelligence. In addition, he is a decorated veteran who served in Guantanamo Bay, Cuba in the early 1990s. Subsequent to the FBI, Brian spent many years in banking and finance where his skills led him to the field of Global Operational Risk Management. He has over 23 years of banking, finance, and investigative experience. In July 2011, Brian joined a community financial institution and currently serves as their chief risk and compliance officer. He speaks nationally on BSA, anti-money laundering, enterprise risk management, cybersecurity, and strategy.
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