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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.
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