Email to Order the Recording + Free Digital Download
Join us for a lively presentation that will provide important, timely information to avoid the most common pitfalls associated with owning or administering IRA accounts. This webinar will review recurring areas of noncompliance and provide the information needed to stay on track. This session will benefit both new and experienced IRA professionals, in addition to others who want valuable knowledge on key IRA issues. After this session, you will know how to handle IRA situations that arise daily.
HIGHLIGHTS
Common mistakes and misunderstandings regarding IRA beneficiary distributions
IRA custodial requirements versus best practices
Avoiding costly mistakes when handling IRA rollovers
One big advantage of inherited (beneficiary) IRA rollovers from employer retirement plans
Responsibilities for calculating and reporting IRA required minimum distributions
Key areas of reporting and administrative noncompliance
The most often reported IRS Form 1099-R distribution code errors
Importance of understanding your IRA plan agreement default options – not all IRA documents are created equally
Review of IRA questions
TAKE-AWAY TOOLKIT
Reference charts with quick answers to frequently asked and difficult questions
Employee training log
Quiz you can administer to measure staff learning and a separate answer key
DON’T MISS THIS RELATED RECORDED WEBINAR!
IRA Conversions & Recharacterizations: Understanding Requirements & Avoiding Errors
Held Tuesday, August 30, 2016.
You can order a recording of the live webinar, with a free digital download.
Attendance verification for CE credits provided upon request.
WHO SHOULD ATTEND? Customer service representatives and to individuals who have IRA operational, compliance, or reporting responsibilities. In addition, this session will also give management a solid understanding and appreciation of how to best handle many common and tricky issues to ensure a smooth IRA program.
ABOUT THE PRESENTER – Frank J. LaLoggia, LaLoggia Consulting, Inc., President, Rochester, New York, a pension and financial consulting firm that assists financial organizations with ongoing support in the creation, development, and marketing of their retirement plans and financial-services offerings. Nationally renowned, Frank coordinates and conducts pension and financial seminars and training programs throughout the United States, including in-house IRA, HSA, and employer retirement plan training. With over 35 years’ experience in employee benefits, and always in demand, his client list is impressive. He has assisted many leading financial organizations in the pension and financial services industries. Frank has achieved the designation of Deferred Compensation Specialist through Northeastern University’s Center for Continuing Education and The National Retirement Plans Training Conference.
Showing posts with label November. Show all posts
Showing posts with label November. Show all posts
(ON DEMAND) Annual Robbery Training for All Staff: Meeting Your Bank Protection Act Requirements
Email to Order the Recording + Free Digital Download
Robberies of financial institutions remain a steady trend. In many areas of the country, they are reaching an alarming and increasing rate. Combine this with the current economy, the unemployment rate, and personal dependencies and addictions, and we find ourselves in a time where robber proofing your institution has never been more important. The only reliable means that your financial institution has to improve prevention, apprehension, and recovery, involves training, training, and more training. This webinar will prove to be a valuable training resource for your employees and will ensure they are up to date with their robbery training requirement. This important session will address:
1. Reducing your risk of robbery
2. Protecting customers and staff
3. Aiding law enforcement
HIGHLIGHTS
Regional robbery trends
Steps to take before, during, and after a robbery
Why complacency is your greatest threat
How a customer-friendly environment can exist with one that discourages the would-be robber and how this is often a real dilemma for senior management
The best policy on when to activate the silent alarm
Why you want to know when any robbery occurs within 100 miles of your branches
How to counter the rise in morning glory robberies
How banks are cased
Interviews of 300 plus convicted robbers reveal a common thread
Branch design and layout as a powerful deterrent
How are most robbers apprehended?
The importance of suspicious activity logs and non-disclosure contracts
TAKE-AWAY TOOLKIT
Sample security procedures
Robbery description form
Other valuable resources to train staff, prevent occurrence, and manage outcomes
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? Security officers and community bank employees. It will provide tips on training staff and tools the frontline can use immediately.
ABOUT THE PRESENTER – Barry Thompson, CRCM, Thompson Consulting Group, LLC, is an international speaker, trainer, consultant, and writer. He is a security and compliance “guru” for a leading national training organization and regularly presents security conferences for trade groups. Barry is recognized worldwide, presenting in Brussels, Belgium to European bankers on internal fraud; at the United Nations on identity theft; and to Japanese bankers on bank security. Barry has worked in the financial services industry for over three decades, and has held the positions of security officer, compliance officer, treasurer, senior vice president, and executive vice president. He has handled over 900 security cases and has been involved with investigations and prosecutions at the federal, state, and local levels. Barry is the author of “101 Security Tips for the Beginning Security Officer.”
Robberies of financial institutions remain a steady trend. In many areas of the country, they are reaching an alarming and increasing rate. Combine this with the current economy, the unemployment rate, and personal dependencies and addictions, and we find ourselves in a time where robber proofing your institution has never been more important. The only reliable means that your financial institution has to improve prevention, apprehension, and recovery, involves training, training, and more training. This webinar will prove to be a valuable training resource for your employees and will ensure they are up to date with their robbery training requirement. This important session will address:
1. Reducing your risk of robbery
2. Protecting customers and staff
3. Aiding law enforcement
HIGHLIGHTS
Regional robbery trends
Steps to take before, during, and after a robbery
Why complacency is your greatest threat
How a customer-friendly environment can exist with one that discourages the would-be robber and how this is often a real dilemma for senior management
The best policy on when to activate the silent alarm
Why you want to know when any robbery occurs within 100 miles of your branches
How to counter the rise in morning glory robberies
How banks are cased
Interviews of 300 plus convicted robbers reveal a common thread
Branch design and layout as a powerful deterrent
How are most robbers apprehended?
The importance of suspicious activity logs and non-disclosure contracts
TAKE-AWAY TOOLKIT
Sample security procedures
Robbery description form
Other valuable resources to train staff, prevent occurrence, and manage outcomes
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? Security officers and community bank employees. It will provide tips on training staff and tools the frontline can use immediately.
ABOUT THE PRESENTER – Barry Thompson, CRCM, Thompson Consulting Group, LLC, is an international speaker, trainer, consultant, and writer. He is a security and compliance “guru” for a leading national training organization and regularly presents security conferences for trade groups. Barry is recognized worldwide, presenting in Brussels, Belgium to European bankers on internal fraud; at the United Nations on identity theft; and to Japanese bankers on bank security. Barry has worked in the financial services industry for over three decades, and has held the positions of security officer, compliance officer, treasurer, senior vice president, and executive vice president. He has handled over 900 security cases and has been involved with investigations and prosecutions at the federal, state, and local levels. Barry is the author of “101 Security Tips for the Beginning Security Officer.”
(ON DEMAND) Handling ACH Exceptions & Returns: Unauthorized, Revoked, or Stop Payment?
Email to Order the Recording + Free Digital Download
Your financial institution deals with ACH challenges every day, but is your staff properly prepared to deal with all situations? Do your staff members know how to handle the challenges of unposted items, stop payments, and unauthorized/disputed entries? Financial institutions can suffer losses when ACH exceptions are not handled properly. This webinar will address how to handle these challenges in compliance with the ACH rules by using case studies and scenarios so your staff can respond knowledgeably when faced with ACH errors.
HIGHLIGHTS
ACH return reasons and timeframes
Authorization-based returns
Proper usage of the WSUD form
ACH operator rejects
Stop payment versus revoked authorization or unauthorized transaction
TAKE-AWAY TOOLKIT
Sample WSUD form
Sample authorization form
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 and operations staff, AAP candidates, compliance officers, and ACH auditors.
ABOUT THE PRESENTER – Michele L. Barlow, AAP, NCP, PAR/WACHA (The Premier Payments Resource), is an education specialist, headquartered in Wisconsin. Prior to joining the WACHA team in 2009, Michele spent several years as a corporate trainer in the financial industry. She is responsible for member training and administration, conference planning, and member service. 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.
Your financial institution deals with ACH challenges every day, but is your staff properly prepared to deal with all situations? Do your staff members know how to handle the challenges of unposted items, stop payments, and unauthorized/disputed entries? Financial institutions can suffer losses when ACH exceptions are not handled properly. This webinar will address how to handle these challenges in compliance with the ACH rules by using case studies and scenarios so your staff can respond knowledgeably when faced with ACH errors.
HIGHLIGHTS
ACH return reasons and timeframes
Authorization-based returns
Proper usage of the WSUD form
ACH operator rejects
Stop payment versus revoked authorization or unauthorized transaction
TAKE-AWAY TOOLKIT
Sample WSUD form
Sample authorization form
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 and operations staff, AAP candidates, compliance officers, and ACH auditors.
ABOUT THE PRESENTER – Michele L. Barlow, AAP, NCP, PAR/WACHA (The Premier Payments Resource), is an education specialist, headquartered in Wisconsin. Prior to joining the WACHA team in 2009, Michele spent several years as a corporate trainer in the financial industry. She is responsible for member training and administration, conference planning, and member service. 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.
(ON DEMAND) Recognizing & Responding to Elder Fraud: What Every Staff Member Should Know
Email to Order the Recording + Free Digital Download
Elder fraud will be the fastest growing crime in the next ten years. The reason is simple: baby boomers are aging and criminals consider them the new hunting ground. The abuser is most likely a family member or caregiver who has worked with senior citizens in a previous job. If an abuser is successful in depleting a victim’s account, your financial institution may become involved in litigation.
This webinar will cover the warning signs and provide practical hands-on training methods that have worked for other financial institutions. The focus will be on the types of transactions that allow abusers to gain financial control over senior citizens. This illuminating session will include examples and best practices. Learn how to protect accountholders using simple techniques to handle these difficult situations. This program can be used to train your staff how to identify, evaluate, and report the problem to management.
HIGHLIGHTS
How to work with Adult Protective Services
Understand how easily the elderly can be compromised and why
Techniques criminals use to identify victims
What law enforcement needs to accept a senior citizen case
Why women ages 80-90 are the most likely victims
The one website to use for any type of elder fraud problem
TAKE-AWAY TOOLKIT
Security tips for elder fraud
Incident report for elder fraud
Web resources for elder abuse
FinCEN Advisory FIN-2011-A003
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? Frontline staff, customer service representatives, risk management staff, compliance officers, security officers, senior management, and anyone working to combat elder fraud.
ABOUT THE PRESENTER – Barry Thompson, CRCM, Thompson Consulting Group, LLC, is an international speaker, trainer, consultant, and writer. He is a security and compliance “guru” for a leading national training organization and regularly presents security conferences for trade groups. Barry is recognized worldwide, presenting in Brussels, Belgium to European bankers on internal fraud; at the United Nations on identity theft; and to Japanese bankers on bank security. Barry has worked in the financial services industry for over three decades, and has held the positions of security officer, compliance officer, treasurer, senior vice president, and executive vice president. He has handled over 900 security cases and has been involved with investigations and prosecutions at the federal, state, and local levels. Barry is the author of “101 Security Tips for the Beginning Security Officer.”
Elder fraud will be the fastest growing crime in the next ten years. The reason is simple: baby boomers are aging and criminals consider them the new hunting ground. The abuser is most likely a family member or caregiver who has worked with senior citizens in a previous job. If an abuser is successful in depleting a victim’s account, your financial institution may become involved in litigation.
This webinar will cover the warning signs and provide practical hands-on training methods that have worked for other financial institutions. The focus will be on the types of transactions that allow abusers to gain financial control over senior citizens. This illuminating session will include examples and best practices. Learn how to protect accountholders using simple techniques to handle these difficult situations. This program can be used to train your staff how to identify, evaluate, and report the problem to management.
HIGHLIGHTS
How to work with Adult Protective Services
Understand how easily the elderly can be compromised and why
Techniques criminals use to identify victims
What law enforcement needs to accept a senior citizen case
Why women ages 80-90 are the most likely victims
The one website to use for any type of elder fraud problem
TAKE-AWAY TOOLKIT
Security tips for elder fraud
Incident report for elder fraud
Web resources for elder abuse
FinCEN Advisory FIN-2011-A003
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? Frontline staff, customer service representatives, risk management staff, compliance officers, security officers, senior management, and anyone working to combat elder fraud.
ABOUT THE PRESENTER – Barry Thompson, CRCM, Thompson Consulting Group, LLC, is an international speaker, trainer, consultant, and writer. He is a security and compliance “guru” for a leading national training organization and regularly presents security conferences for trade groups. Barry is recognized worldwide, presenting in Brussels, Belgium to European bankers on internal fraud; at the United Nations on identity theft; and to Japanese bankers on bank security. Barry has worked in the financial services industry for over three decades, and has held the positions of security officer, compliance officer, treasurer, senior vice president, and executive vice president. He has handled over 900 security cases and has been involved with investigations and prosecutions at the federal, state, and local levels. Barry is the author of “101 Security Tips for the Beginning Security Officer.”
(ON DEMAND) Appraisal & Evaluation Guidance on Collateral Valuation: Lender & Board Perspectives
Email to Order the Recording + Free Digital Download
According to a recent report by financial regulators, commercial construction, other CRE, and residential construction loans are growing in 75 percent of banks, particularly in midsize and community banks. Some of the issues with the rapid growth in these segments are uncertain collateral valuations, increased policy exceptions, and slow recovery in some residential real estate markets.
This webinar will address the real estate collateral valuation requirements that have been imposed on banks and appraisers. The focus will be on insights for board members and their responsibilities, and the responsibilities of management, loan officers, and administrative staff for adequacy of collateral value documentation. Answers to frequently asked questions will be included, such as:
Are you ordering the right valuation document?
Does your evaluation document meet regulatory standards?
When do you need a new appraisal?
HIGHLIGHTS
Regulatory expectations – managing credit risk
Portfolio management, including forward-looking risk assessment of collateral values associated with concentrations
Appraisals: common examination findings noted in community banks
Appraisal terms, definitions, and evaluation requirements
Proper use and documentation for “abundance of caution” exemption
“Value to be developed”
“Restricted use” appraisal reports
FAQs about appraisals and appraisal requirements
How are short-term renewals handled?
What is required when taking additional collateral (second property pledged)?
Can appraisals be used on same property for a different client?
Options for subsequent transactions and refinance with new money
Will the appraiser provide an appraisal update or is it a new assignment?
How are customer appraisal disputes handled?
TAKE-AWAY TOOLKIT
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? Board members, loan committee members, business development personnel, lending officers, lending support staff, loan administration staff, auditors, and loan reviewers.
ABOUT THE PRESENTER – S. Wayne Linder, Young & Associates, Inc., a thirty-year banking veteran, who was formerly the CEO of a community bank. As a Senior Consultant with Young & Associates, Wayne works as a lending and management consultant. He assists financial institutions under regulatory enforcement agreements and develops and implements written lending policies. Wayne is a popular seminar speaker with both national and international experience.
According to a recent report by financial regulators, commercial construction, other CRE, and residential construction loans are growing in 75 percent of banks, particularly in midsize and community banks. Some of the issues with the rapid growth in these segments are uncertain collateral valuations, increased policy exceptions, and slow recovery in some residential real estate markets.
This webinar will address the real estate collateral valuation requirements that have been imposed on banks and appraisers. The focus will be on insights for board members and their responsibilities, and the responsibilities of management, loan officers, and administrative staff for adequacy of collateral value documentation. Answers to frequently asked questions will be included, such as:
Are you ordering the right valuation document?
Does your evaluation document meet regulatory standards?
When do you need a new appraisal?
HIGHLIGHTS
Regulatory expectations – managing credit risk
Portfolio management, including forward-looking risk assessment of collateral values associated with concentrations
Appraisals: common examination findings noted in community banks
Appraisal terms, definitions, and evaluation requirements
Proper use and documentation for “abundance of caution” exemption
“Value to be developed”
“Restricted use” appraisal reports
FAQs about appraisals and appraisal requirements
How are short-term renewals handled?
What is required when taking additional collateral (second property pledged)?
Can appraisals be used on same property for a different client?
Options for subsequent transactions and refinance with new money
Will the appraiser provide an appraisal update or is it a new assignment?
How are customer appraisal disputes handled?
TAKE-AWAY TOOLKIT
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? Board members, loan committee members, business development personnel, lending officers, lending support staff, loan administration staff, auditors, and loan reviewers.
ABOUT THE PRESENTER – S. Wayne Linder, Young & Associates, Inc., a thirty-year banking veteran, who was formerly the CEO of a community bank. As a Senior Consultant with Young & Associates, Wayne works as a lending and management consultant. He assists financial institutions under regulatory enforcement agreements and develops and implements written lending policies. Wayne is a popular seminar speaker with both national and international experience.
(ON DEMAND) Director Series: What the Board Needs to Know to Manage IT
Email to Order the Recording + Free Digital Download
How much trouble would your institution be in if its computer systems could not be used for three days? Today’s financial institutions are tremendously dependent on their information systems – in fact they can’t live without them. Proper supervision, governance, and oversight are critical to the success of the bank.
This webinar will explore the directors’ role in providing governance and supervision related to IT management. It will address the necessary frequency and depth of risk assessments; how to structure a standards-based change management process; the core elements of a vulnerability monitoring and management program; and oversight of the incident response program.
HIGHLIGHTS
Review of the FFIEC’s updated guidance for IT risk management (ITRM) including risk identification and management
Change-management and exception-management processes:
System and software development life cycle
Vulnerability management
How to balance the institution’s needs within the constraints of vendor/service provider management
TAKE-AWAY TOOLKIT
Sample policies for vulnerability management
Sample table top exercise for testing your institution’s cyber-incident-response program
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? Board members, CEOs, staff responsible for management and oversight of internal audit, IT audit, risk management, and operational management.
ABOUT THE PRESENTER – Randy Romes, CISSP, CRISC, MCP, CliftonLarsonAllen LLP, has been a consultant since 1999 and brings a strong background in computer technology, physics, and education. As a Principal in the Information Security Services Group, Randy leads a team of technology and industry specialists and is responsible for the continuing development of the open-source, Unix, and Windows applications used in security audits. Randy has been involved in developing numerous leading-edge hacking/testing methods and security service offerings. A featured speaker at national information and security management conferences, Randy holds multiple certifications, a Master’s in Educational Technology from the University of Saint Thomas, and a Bachelor’s in Education from the University of Wisconsin – Madison. In addition, he is an instructor at the Graduate School of Banking at the University of Colorado in Boulder.
How much trouble would your institution be in if its computer systems could not be used for three days? Today’s financial institutions are tremendously dependent on their information systems – in fact they can’t live without them. Proper supervision, governance, and oversight are critical to the success of the bank.
This webinar will explore the directors’ role in providing governance and supervision related to IT management. It will address the necessary frequency and depth of risk assessments; how to structure a standards-based change management process; the core elements of a vulnerability monitoring and management program; and oversight of the incident response program.
HIGHLIGHTS
Review of the FFIEC’s updated guidance for IT risk management (ITRM) including risk identification and management
Change-management and exception-management processes:
System and software development life cycle
Vulnerability management
How to balance the institution’s needs within the constraints of vendor/service provider management
TAKE-AWAY TOOLKIT
Sample policies for vulnerability management
Sample table top exercise for testing your institution’s cyber-incident-response program
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? Board members, CEOs, staff responsible for management and oversight of internal audit, IT audit, risk management, and operational management.
ABOUT THE PRESENTER – Randy Romes, CISSP, CRISC, MCP, CliftonLarsonAllen LLP, has been a consultant since 1999 and brings a strong background in computer technology, physics, and education. As a Principal in the Information Security Services Group, Randy leads a team of technology and industry specialists and is responsible for the continuing development of the open-source, Unix, and Windows applications used in security audits. Randy has been involved in developing numerous leading-edge hacking/testing methods and security service offerings. A featured speaker at national information and security management conferences, Randy holds multiple certifications, a Master’s in Educational Technology from the University of Saint Thomas, and a Bachelor’s in Education from the University of Wisconsin – Madison. In addition, he is an instructor at the Graduate School of Banking at the University of Colorado in Boulder.
(ON DEMAND) Proper Repossession, Notice & Sale of Non-Real Estate Collateral
Email to Order the Recording + Free Digital Download
No banker likes to do repossessions, but it may be the only way to collect on a loan. Making a mistake in the repossession process can result in your bank losing its right to go against the debtor for a deficiency and mistakes can cause substantial damage to the bank. This webinar will explain all aspects of the repossession process regarding non-real estate collateral, starting with the decision to repossess and ending with the sale of the collateral at a private or public sale. Learn the steps your bank should take to properly repossess and dispose of collateral under UCC Article 9.
HIGHLIGHTS
Requirements of UCC Article 9
Conducting self-help repossession
Requirements for the notice of sale
Aspects of a commercially reasonable sale
What happens if the debtor files bankruptcy?
TAKE-AWAY TOOLKIT
UCC Article 9 repossession checklist to ensure you don’t forget a step in the repossession process
Form notice of UCC foreclosure sale
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? Loan and collection personnel, including loan officers, loan operations, credit administration, managers, collectors, compliance officers, and attorneys.
ABOUT THE PRESENTER – Elizabeth Fast, JD, CPA, 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.
No banker likes to do repossessions, but it may be the only way to collect on a loan. Making a mistake in the repossession process can result in your bank losing its right to go against the debtor for a deficiency and mistakes can cause substantial damage to the bank. This webinar will explain all aspects of the repossession process regarding non-real estate collateral, starting with the decision to repossess and ending with the sale of the collateral at a private or public sale. Learn the steps your bank should take to properly repossess and dispose of collateral under UCC Article 9.
HIGHLIGHTS
Requirements of UCC Article 9
Conducting self-help repossession
Requirements for the notice of sale
Aspects of a commercially reasonable sale
What happens if the debtor files bankruptcy?
TAKE-AWAY TOOLKIT
UCC Article 9 repossession checklist to ensure you don’t forget a step in the repossession process
Form notice of UCC foreclosure sale
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? Loan and collection personnel, including loan officers, loan operations, credit administration, managers, collectors, compliance officers, and attorneys.
ABOUT THE PRESENTER – Elizabeth Fast, JD, CPA, 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.
(ON DEMAND) Quarterly Emerging Leader Series: FFIEC Reporting & Guidance for CRA Compliance
Email to Order the Recording + Free Digital Download
Compliance with the Community Reinvestment Act (CRA) has always been a top priority to CRA officers, senior management, and the board. Having a solid “satisfactory” or even an “outstanding” CRA rating is imperative for your bank. Although CRA regulatory requirements have not changed lately, examiners’ expectations seem to be somewhat of a moving target. CRA exams are tough! Whether you are a small, intermediate-small, or large bank, this session will cover the CRA examination handbook regulators use. We will first review the areas that are important to all banks and then discuss those areas pertinent just to intermediate and large banks. Even if you’re a small bank today, you might not be tomorrow, so it’s good to know what is expected at the next level.
Tools will be provided to help review your CRA program before examiners arrive. The results of your self-assessment should be reported to the board, so there won’t be any surprises. If weaknesses are identified, this webinar will teach you how to implement corrective actions to strengthen your CRA efforts.
HIGHLIGHTS
Technical requirements for all banks
What are the differences for intermediate-small banks?
What are the differences for large banks?
Strategies to strengthen your CRA program, no matter your asset size
TAKE-AWAY TOOLKIT
CRA action plan
CRA self checklist to monitor for technical requirements
Geo-coding tool
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? CRA officers, loan 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 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.
Compliance with the Community Reinvestment Act (CRA) has always been a top priority to CRA officers, senior management, and the board. Having a solid “satisfactory” or even an “outstanding” CRA rating is imperative for your bank. Although CRA regulatory requirements have not changed lately, examiners’ expectations seem to be somewhat of a moving target. CRA exams are tough! Whether you are a small, intermediate-small, or large bank, this session will cover the CRA examination handbook regulators use. We will first review the areas that are important to all banks and then discuss those areas pertinent just to intermediate and large banks. Even if you’re a small bank today, you might not be tomorrow, so it’s good to know what is expected at the next level.
Tools will be provided to help review your CRA program before examiners arrive. The results of your self-assessment should be reported to the board, so there won’t be any surprises. If weaknesses are identified, this webinar will teach you how to implement corrective actions to strengthen your CRA efforts.
HIGHLIGHTS
Technical requirements for all banks
What are the differences for intermediate-small banks?
What are the differences for large banks?
Strategies to strengthen your CRA program, no matter your asset size
TAKE-AWAY TOOLKIT
CRA action plan
CRA self checklist to monitor for technical requirements
Geo-coding tool
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? CRA officers, loan 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 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.
(ON DEMAND) Audit Compliance Series: Developing a Risk-Based Compliance Audit Process for Deposits
Email to Order the Recording + Free Digital Download
Do you need practical guidance for a risk-based deposit compliance audit program? While deposit regulations haven’t changed as rapidly as lending regulations, there are still potential areas of exposure for Reg DD (Truth in Savings) violations and reimbursement, Reg E error resolution and ODP issues, and the constant threat of consumer complaints and UDAAP challenges for deposit products and services.
This webinar will address how to develop a dynamic, risk-based deposit audit program that can prevent potential violations and protect your financial institution’s reputation. Learn which deposit regulations apply, how to maximize limited time and resources, and how to implement effective corrective action. This session will explain how to use risk-assessment tools, develop a testing schedule, and determine the sample size for transaction testing. It will also address critical elements for testing key deposit regulations, writing audit reports, and many practical tips for a successful deposit compliance program.
HIGHLIGHTS
Top 10 mistakes in deposit compliance exams
Overview of the disclosure requirements for Truth in Savings and Regulation E
Best practices for deposit compliance
Analysis of recent deposit-related enforcement actions and tips to avoid the pitfalls
TAKE-AWAY TOOLKIT
Checklist for advertising reviews
Matrix of training topics for frontline and deposit operation staff
Complaint policy template in Word that can be customized for your use
Regulation E error resolution flowchart
Regulation E opt-in checklist
CIP procedures quick reference guide
Summary of recent deposit related regulatory changes and resources
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, audit staff, risk managers, call center managers, senior management, deposit operations managers, new account representatives, and customer service representatives.
ABOUT THE PRESENTER – Susan Costonis, Compliance Consulting and Training for FIs, is 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.
Do you need practical guidance for a risk-based deposit compliance audit program? While deposit regulations haven’t changed as rapidly as lending regulations, there are still potential areas of exposure for Reg DD (Truth in Savings) violations and reimbursement, Reg E error resolution and ODP issues, and the constant threat of consumer complaints and UDAAP challenges for deposit products and services.
This webinar will address how to develop a dynamic, risk-based deposit audit program that can prevent potential violations and protect your financial institution’s reputation. Learn which deposit regulations apply, how to maximize limited time and resources, and how to implement effective corrective action. This session will explain how to use risk-assessment tools, develop a testing schedule, and determine the sample size for transaction testing. It will also address critical elements for testing key deposit regulations, writing audit reports, and many practical tips for a successful deposit compliance program.
HIGHLIGHTS
Top 10 mistakes in deposit compliance exams
Overview of the disclosure requirements for Truth in Savings and Regulation E
Best practices for deposit compliance
Analysis of recent deposit-related enforcement actions and tips to avoid the pitfalls
TAKE-AWAY TOOLKIT
Checklist for advertising reviews
Matrix of training topics for frontline and deposit operation staff
Complaint policy template in Word that can be customized for your use
Regulation E error resolution flowchart
Regulation E opt-in checklist
CIP procedures quick reference guide
Summary of recent deposit related regulatory changes and resources
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, audit staff, risk managers, call center managers, senior management, deposit operations managers, new account representatives, and customer service representatives.
ABOUT THE PRESENTER – Susan Costonis, Compliance Consulting and Training for FIs, is 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.
(ON DEMAND) New CFPB Amended Rules for Mortgage Foreclosure & Bankruptcy Protections: Preparing Now for the 2017 Effective Date
Email to Order the Recording + Free Digital Download
On August 4, 2016, the CFPB issued its final rule amending the mortgage servicing regulations which were initially issued in 2013. Many important changes were made regarding mortgage foreclosure and bankruptcy protections. Your institution needs to prepare for these changes before the effective date, which is anticipated to be August 2017. In addition, the final rule provides safe harbor notices that must be sent when a consumer is in bankruptcy. This webinar will thoroughly explain the new changes to the mortgage foreclosure and bankruptcy rules that will affect your institution.
HIGHLIGHTS
Clarification of when a borrower becomes delinquent for foreclosure purposes
Foreclosure timing restrictions
When lenders must provide borrowers with loss mitigation options 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”
Notices that don’t violate the automatic stay in bankruptcy
Applicability of the small servicer exemptions to the new changes
Interaction of the new changes with the Fair Debt Collection Practices Act
TAKE-AWAY TOOLKIT
Model form of periodic statements for consumers in Chapter 7, 11, 12, or 13 bankruptcies
Employee training log
Quiz you can administer to measure staff learning and a separate answer key
DON’T MISS THIS RELATED WEBINAR!
New CFPB Amended Mortgage Servicing Rules: What You Must Know Now & Why Advance Planning is Critical on Tuesday, October 11, 2016
Missed it? Order a recording of the live webinar, with a free digital download.
Attendance verification for CE credits provided upon request.
WHO SHOULD ATTEND? Mortgagee loan officers, credit personnel, loan operations staff, compliance personnel, collectors, managers, auditors, and attorneys.
ABOUT THE PRESENTER – Elizabeth Fast, JD, CPA, 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.
On August 4, 2016, the CFPB issued its final rule amending the mortgage servicing regulations which were initially issued in 2013. Many important changes were made regarding mortgage foreclosure and bankruptcy protections. Your institution needs to prepare for these changes before the effective date, which is anticipated to be August 2017. In addition, the final rule provides safe harbor notices that must be sent when a consumer is in bankruptcy. This webinar will thoroughly explain the new changes to the mortgage foreclosure and bankruptcy rules that will affect your institution.
HIGHLIGHTS
Clarification of when a borrower becomes delinquent for foreclosure purposes
Foreclosure timing restrictions
When lenders must provide borrowers with loss mitigation options 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”
Notices that don’t violate the automatic stay in bankruptcy
Applicability of the small servicer exemptions to the new changes
Interaction of the new changes with the Fair Debt Collection Practices Act
TAKE-AWAY TOOLKIT
Model form of periodic statements for consumers in Chapter 7, 11, 12, or 13 bankruptcies
Employee training log
Quiz you can administer to measure staff learning and a separate answer key
DON’T MISS THIS RELATED WEBINAR!
New CFPB Amended Mortgage Servicing Rules: What You Must Know Now & Why Advance Planning is Critical on Tuesday, October 11, 2016
Missed it? Order a recording of the live webinar, with a free digital download.
Attendance verification for CE credits provided upon request.
WHO SHOULD ATTEND? Mortgagee loan officers, credit personnel, loan operations staff, compliance personnel, collectors, managers, auditors, and attorneys.
ABOUT THE PRESENTER – Elizabeth Fast, JD, CPA, 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.
(ON DEMAND) Nonresident Alien Accounts: W-8s, W-8BENs, BSA, Rules & More
Email to Order the Recording + Free Digital Download
Foreign individuals maintaining relationships with U.S. banks can be divided into two categories: resident aliens and nonresident aliens (NRA). An NRA is a non-U.S. citizen who is not a lawful, permanent resident of the U.S. during the calendar year, and who does not meet the substantial presence test, or has not been issued an alien registration receipt card (also known as a green card).
Although NRAs are not permanent residents, they often have a legitimate need to open deposit accounts at U.S. financial institutions. The amount of NRA deposits in the U.S. banking system has been estimated to range from hundreds of billions of dollars to about $1 trillion.
How can you open and maintain deposit accounts for nonresident aliens and maintain IRS and BSA compliance? This webinar will examine the impact of FATCA, the required forms, and the acceptable forms of identification for deposit accounts. It will also address related Bank Secrecy Act issues, including CIP and due diligence requirements.
HIGHLIGHTS
Who is a nonresident alien and what are the IRS and BSA requirements for opening deposit accounts?
What are the requirements for W-8 and W-8BEN forms? What is the most recent IRS guidance?
Common questions about the impact of FATCA and acceptable forms of identification
Due diligence requirements for withholding and the “reason to know” principles
What are the BSA issues and CIP due diligence requirements?
TAKE-AWAY TOOLKIT
New account interview question script
Checklist for CIP compliance
Flowchart for appropriate certification of nonresident alien deposit accounts
Links to important IRS instructions and 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? Compliance officers, audit staff, risk managers, senior management, deposit operation managers, new account personnel, and customer service representatives.
ABOUT THE PRESENTER – Susan Costonis, Compliance Consulting and Training for FIs, is 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.
Foreign individuals maintaining relationships with U.S. banks can be divided into two categories: resident aliens and nonresident aliens (NRA). An NRA is a non-U.S. citizen who is not a lawful, permanent resident of the U.S. during the calendar year, and who does not meet the substantial presence test, or has not been issued an alien registration receipt card (also known as a green card).
Although NRAs are not permanent residents, they often have a legitimate need to open deposit accounts at U.S. financial institutions. The amount of NRA deposits in the U.S. banking system has been estimated to range from hundreds of billions of dollars to about $1 trillion.
How can you open and maintain deposit accounts for nonresident aliens and maintain IRS and BSA compliance? This webinar will examine the impact of FATCA, the required forms, and the acceptable forms of identification for deposit accounts. It will also address related Bank Secrecy Act issues, including CIP and due diligence requirements.
HIGHLIGHTS
Who is a nonresident alien and what are the IRS and BSA requirements for opening deposit accounts?
What are the requirements for W-8 and W-8BEN forms? What is the most recent IRS guidance?
Common questions about the impact of FATCA and acceptable forms of identification
Due diligence requirements for withholding and the “reason to know” principles
What are the BSA issues and CIP due diligence requirements?
TAKE-AWAY TOOLKIT
New account interview question script
Checklist for CIP compliance
Flowchart for appropriate certification of nonresident alien deposit accounts
Links to important IRS instructions and 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? Compliance officers, audit staff, risk managers, senior management, deposit operation managers, new account personnel, and customer service representatives.
ABOUT THE PRESENTER – Susan Costonis, Compliance Consulting and Training for FIs, is 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.
(ON DEMAND) Notary Essentials & Legalities for Community Banks
Email to Order the Recording + Free Digital Download
It is essential that notaries understand their duties and responsibilities. Individuals assume personal liability when serving as a notary, but their employer can also be held liable. In the financial services industry, notaries are required for many transactions. However, there are times when notaries feel uncomfortable with their role and/or the transaction. This program will teach notaries how to understand and correctly execute their duties and responsibilities, with a focus on important financial industry issues.
HIGHLIGHTS
Duties and responsibilities of a notary
Most common errors made by a notary
A notary’s personal liability
Potential liability of the financial institution as the notary’s employer
Recommendations on how to avoid liability for the notary and the financial institution
TAKE-AWAY TOOLKIT
Summary of the notary requirements for every state
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? All notaries and their managers.
ABOUT THE PRESENTER – Elizabeth Fast, JD, CPA, 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.
It is essential that notaries understand their duties and responsibilities. Individuals assume personal liability when serving as a notary, but their employer can also be held liable. In the financial services industry, notaries are required for many transactions. However, there are times when notaries feel uncomfortable with their role and/or the transaction. This program will teach notaries how to understand and correctly execute their duties and responsibilities, with a focus on important financial industry issues.
HIGHLIGHTS
Duties and responsibilities of a notary
Most common errors made by a notary
A notary’s personal liability
Potential liability of the financial institution as the notary’s employer
Recommendations on how to avoid liability for the notary and the financial institution
TAKE-AWAY TOOLKIT
Summary of the notary requirements for every state
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? All notaries and their managers.
ABOUT THE PRESENTER – Elizabeth Fast, JD, CPA, 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.
(ON DEMAND) Cyber Series: Customer Authentication & Validation: The New Normal in Risk Mitigation
Email to Order the Recording + Free Digital Download
Gone are the days when authenticating your accountholders included affirmation of mother’s maiden name, Social Security number, and date of birth. As the industry shifts to increased mobile and other remote electronic technologies, accountholder authentication and validation is no longer a table-stakes exercise. Rather, it is a strategically important enterprise-risk mitigation process. Unfortunately, fraudsters evolve along with technology. This webinar will identify a proactive and evolving accountholder authentication and validation framework through enhanced and proven procedures that thwart account takeover, identity theft, and monetary and reputational loss.
HIGHLIGHTS
Case study: how we fell victim to social engineering and the resulting changes to accountholder authentication and validation
BSA CIP onboarding requirements and authentication best practices
FFIEC guidance for multi-factor authentication
Something you know (password or passphrase)
Something you have (tokenization)
Something you are (biometric)
Pitfalls of self-authenticated commercial accountholder requests
High-level overview of NIST electronic authentication guideline
TAKE-AWAY TOOLKIT
Publication: FFIEC’s Authentication in an Internet Banking Environment
Publication: NIST Special Publication 800-63-2: Electronic Authentication Guideline
Wire transfer callback 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? Operations, frontline account opening, information technology, and information security personnel, as well as auditors, compliance staff, risk staff, board members, and audit committee members.
ABOUT THE PRESENTER – Brian 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 twenty 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.
Gone are the days when authenticating your accountholders included affirmation of mother’s maiden name, Social Security number, and date of birth. As the industry shifts to increased mobile and other remote electronic technologies, accountholder authentication and validation is no longer a table-stakes exercise. Rather, it is a strategically important enterprise-risk mitigation process. Unfortunately, fraudsters evolve along with technology. This webinar will identify a proactive and evolving accountholder authentication and validation framework through enhanced and proven procedures that thwart account takeover, identity theft, and monetary and reputational loss.
HIGHLIGHTS
Case study: how we fell victim to social engineering and the resulting changes to accountholder authentication and validation
BSA CIP onboarding requirements and authentication best practices
FFIEC guidance for multi-factor authentication
Something you know (password or passphrase)
Something you have (tokenization)
Something you are (biometric)
Pitfalls of self-authenticated commercial accountholder requests
High-level overview of NIST electronic authentication guideline
TAKE-AWAY TOOLKIT
Publication: FFIEC’s Authentication in an Internet Banking Environment
Publication: NIST Special Publication 800-63-2: Electronic Authentication Guideline
Wire transfer callback 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? Operations, frontline account opening, information technology, and information security personnel, as well as auditors, compliance staff, risk staff, board members, and audit committee members.
ABOUT THE PRESENTER – Brian 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 twenty 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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