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Archive for: Audit

Risk Management, Security, Webinar Audit, Data Security, Risk Management

GSB – How to Test (Audit) Your People, Processes, and Technology in 2023

There are three (3) phases to creating an Information Security Program for any organization: 1) planning and preparation, 2) implementation, and 3) testing and verification. When it comes to testing your ISP, one of the big questions you should ask — both of yourself and your auditor(s) — is “where does our risk really live?” Are you testing your ISP because you have to, or are you testing your ISP because you really want to protect your organization and your customer’s data from a cyber attack?

This presentation will cover the following areas/topics:

  • People, Process, and Technology
  • Minimum Requirements for Testing Your ISP
  • Best Practices for Testing Your ISP
  • Reactive Testing vs. Proactive Testing
  • Additional Security Testing to Consider

Target Audience: Information security officer, IT manager, and risk officers

Presenter: Laura Zannucci – SBS CyberSecurity

Registration Option: Live presentation $330

  • Recording available through December 15, 2023
September 7, 2023/by Katie Reiser
https://www.wisbank.com/wp-content/uploads/2021/09/Wisconsin-Bankers-Association-logo.svg 0 0 Katie Reiser https://www.wisbank.com/wp-content/uploads/2021/09/Wisconsin-Bankers-Association-logo.svg Katie Reiser2023-09-07 15:55:462023-09-07 15:55:46GSB – How to Test (Audit) Your People, Processes, and Technology in 2023
Branch Manager, BSA/AML, Compliance, Consumer / Retail, Human Resources, Internal Audit, Mortgage Lending, Training and Development, Webinar Audit, BSA/AML, Compliance, Consumer Lending, Customer Service, Deposits, Fraud, Human Resources, Mortgage Lending

Bank Ethics From The Ground Up

Ethical decisions can be challenging, but it’s important to embrace ethical choices as the repercussions impact you individually as well as your financial institution. Included in this session are best practices, and requirements as well as examples of bank bribery cases.

As a banker, you have many ethical responsibilities and challenges as you navigate your daily activities which must be conducted with the highest level of integrity. Embracing ethics includes managing your personal finances and outside activities in a manner that prevents a conflict of interest. This session will explain the components of a typical code of ethics policy including how to address accepting gifts and the expectations for compliance with the Federal Bank Bribery Law. Ethics and integrity are a must that bankers need to bring to their financial institutions. It is critical that your institution has a sound policy and provides training that reinforces the institution’s code of ethics.

Ethical decisions can be challenging, but it’s important to embrace ethical choices as the repercussions impact you individually as well as your financial institution. Included in this session are best practices, requirements as well as examples of bank bribery cases.

What You’ll Learn

  • What is the Bank Bribery Act?
  • The importance of ethics in maintaining the reputation of the institution
  • SAR reporting requirements
  • Bribery vs Gratuity – What’s the difference?
  • Sample ethics policy
  • Guidelines for compliance with the Federal Bank Bribery Law
  • Conflict of interest related to employees and directors
  • Understand the importance of a whistleblower policy
  • Accepting gifts and fees from bank customers, prospective customers, or suppliers
  • Penalties for bribery and illegal gratuity

Who Should Attend
This session is designed for all bank employees as well as those responsible for developing or testing compliance with the banks Code of Ethics Policy and the Bank Bribery Act.

Presenter Bio
Molly Stull
began her banking career on the teller line while working on her undergraduate degree and has continued working in the financial industry ever since. Some of her experience includes roles in operations, business resumption planning, consumer compliance, and conducting audits. Her favorite role is ensuring that her audience, whether on the sports field or in the financial industry, understands the “why” behind the rule. Her wealth of financial knowledge and her numerous years of experience enable her to relate the material to the audience.

Registration Options

  • Live Access, 30 Days OnDemand Playback, Presenter Materials and Handouts – $279
  • Available Upgrades:
    • 12 Months OnDemand Playback + $110
    • 12 Months OnDemand Playback + CD  + $140
    • Additional Live Access + $85 per person
September 1, 2023/by Katie Reiser
https://www.wisbank.com/wp-content/uploads/2021/09/Wisconsin-Bankers-Association-logo.svg 0 0 Katie Reiser https://www.wisbank.com/wp-content/uploads/2021/09/Wisconsin-Bankers-Association-logo.svg Katie Reiser2023-09-01 14:14:092023-09-01 14:14:09Bank Ethics From The Ground Up
Compliance, Internal Audit, Lending, Risk Management, Senior Management, Webinar Audit, Compliance, Risk Management

Fair Lending: Two Part Series

In this two-part webinar, we’ll go in-depth with a discussion of fair lending principles, expectations, and techniques. We’ll explore what’s new in the area of fair lending, to new interpretations of protected classes, to future potential legislation. We’ll also cover aspects of formulating and maintaining an effective fair lending risk assessment, a critical component of an institution’s fair lending compliance program. We’ll also explore the many risks and hot spots to monitor for fair lending, and discuss how to best comply with the new requirements and expectations. We’ll ensure you’re ready for your next fair lending compliance examination so you can put your best foot forward.

Fair lending continues to be THE hot topic in 2023, with a constant flow of new developments and expectations. Agency leadership (from multiple regulators) has been outspoken in their priorities and goals, with terms such as “equity” and “underserved consumers and markets” being mentioned often. This means new requirements and increased enforcement to monitor. And as an added bonus, the CFPB’s UDAAP Exam Manual includes discrimination in any aspect of banking as possible UDAAP.

Are you keeping up with all the changes that will impact your institution? It is more critical now than ever to ensure your fair lending program covers all the bases. There are new ways of looking at lending patterns, activities, and risks, and new expectations from the agencies.

Included Webinars

  • Fair Lending: Part 1
  • Fair Lending: Part 2

Fair Lending – Part 1
October 12, 2023, 10:00 a.m. CDT

What You’ll Learn

  • Fair lending legal and regulatory structure – a brief history and where these requirements come from
  • Who exactly is covered: “applicants” and “creditors”
  • Special Purpose Credit Programs – leveling the playing field
  • Violation consequences
  • Related laws and regulations: HMDA, CRA, ADA, and more
  • Prohibited bases under the rules (what you can do, as well), including changes in definitions – including examples and scenarios
  • “Vulnerable populations” – covered?
  • Legal theories of discrimination – how is fair lending enforced? Including examples
  • Fair lending throughout the lending process – from A-to-Z
  • The fair lending risk assessment – quantitative and qualitative factors
  • Marketing considerations – putting your best foot forward
  • Regulator priorities – supervisory reports
  • Discrimination is UDAAP – CFPB and FDIC exam manuals: what does this mean?
  • Redlining (including reverse redlining) – what is it, how do we analyze it, and what is new (hint: plenty)
  • “Intrabank” vs. “Interbank” redlining analyses, including the opportunity assessment – what are the standards?
  • Digital redlining – what is this and how does it impact your institution? How to look at redlining in the digital age
  • REMA/Marketing Area/Service Area – what is this? What should we do to be ready for our next exam?
  • Marketing and advertising issues – what can and can’t we do?
  • Artificial intelligence (AI), algorithms, and “big data” – new areas of opportunity as well as risk

Fair Lending – Part 2
October 24, 2023, 10:00 a.m. CDT

What You’ll Learn

  • Fair lending issues in the servicing environment, especially debt collection, default management, and foreclosures
  • Government monitoring information – when to get it under Reg. B and HMDA, and how to handle it, including the URLA/1003 application form, and new Fannie/Freddie requirements for servicers
  • Foreign language issues and “Limited English Proficiency,” or LEP, customers – how to handle this thorny issue?
  • Dealing with commercial loans
  • DFA 1071 – understanding the requirements and implications
  • Proxies and the BISG method – should we do this?
  • Fair lending dos and don’ts
  • Appraisal bias – a developing issue: what to do now
  • Automated valuation model (AVM) issues with discrimination
  • Adverse action notices
  • Discretion – the “D” word
  • Steering issues
  • Exceptions – understanding them
  • Fair lending training
  • Evaluating applications and underwriting – what you can and cannot consider
  • CRA as a fair lending tool
  • Developing an effective and comprehensive fair lending CMS

Who Should Attend?

Anyone in the institution having virtually any responsibility in the lending process has fair lending responsibilities, from senior management, loan officers, underwriters, and closing agents, to compliance officers, auditors, and attorneys, and would benefit from this valuable information.

Presenter Bio
Carl Pry
is a Certified Regulatory Compliance Manager (CRCM) and Certified Risk Professional (CRP) who is a Managing Director for Treliant Risk Advisors in Washington, D.C. Through his working career, as well as through his experience as a banking attorney and officer, he has provided a variety of regulatory compliance and financial performance services to financial institutions and other clients throughout the country. He has written extensively regarding consumer and commercial compliance, tax, audit, and financial institution legal issues, and is a frequent contributor to and currently serves on the Editorial Advisory Board for the ABA Bank Compliance magazine. He has spoken at scores of banking, compliance, and state bar associations, and has conducted training sessions for financial institutions across the country.

Registration Options

  • Live Access, 30 Days OnDemand Playback, Presenter Materials and Handouts – $769
  • Available Upgrades:
    • 12 Months OnDemand Playback + $190
    • 12 Months OnDemand Playback + CD  + $250
    • Additional Live Access + $170 per person
September 1, 2023/by Katie Reiser
https://www.wisbank.com/wp-content/uploads/2021/09/Wisconsin-Bankers-Association-logo.svg 0 0 Katie Reiser https://www.wisbank.com/wp-content/uploads/2021/09/Wisconsin-Bankers-Association-logo.svg Katie Reiser2023-09-01 14:13:302023-09-01 14:13:30Fair Lending: Two Part Series
BSA/AML, Compliance, Internal Audit, Lending, Mortgage Lending, Risk Management, Senior Management, Webinar Audit, BSA/AML, Compliance, Deposits

BSA/AML: Marijuana & Hemp

Banking marijuana-related and/or hemp-related businesses is becoming more and more common place. Avoid getting into hot water with examiners by ensuring you are up to speed on all the BSA/AML considerations and implications.
Banking marijuana-related businesses is complicated. In the eyes of the Federal Government, marijuana is still an illegal substance; however, it’s legalization by individual states whether for medical or recreational complicates this issue even further. Staying on top of the BSA/AML implications and understanding the potential risks and red flags is imperative to keep your examiners at bay.

What You’ll Learn:

  • Guidance From FinCEN on Banking Cannabis-Related Customers
  • Hemp, CBD, and Marijuana… Know the Difference
  • The Industry Is Growing! What Should You Do?
  • Enhanced Customer Due Diligence Expectations
  • How To Appropriately Address Cannabis in YOUR BSA Program
  • What Should You Be Doing Differently Before Your Next Examination?
  • Your Questions, Plain English Answers & Much More!

Who Should Attend?
This webinar is designed for BSA/AML officers, teams, management, compliance officers, auditors, and other risk management personnel.

Presenter Bio
Kevin Edwards brings years of experience and a unique perspective on regulatory matters to his clients. A self-proclaimed geek and accredited CRCM, Edwards is also a former attorney with experience as in-house counsel for a large regional bank and one of the leading national title insurance providers. Edwards decided to leave the safety and serenity of his desk job to seek fortune and glory as a wandering adventurer. He now travels the land seeking to help those in need and righting compliance wrongs, wherever he may find them.

Registration Options
$279 Includes: Live Access, 30 Days OnDemand Playback, Presenter Materials and Handouts

Available Upgrades

  • 12 Months OnDemand Playback  + $110
  • 12 Months OnDemand Playback + Digital Download + $140
  • Additional Live Access + $85 per person
September 1, 2023/by Katie Reiser
https://www.wisbank.com/wp-content/uploads/2021/09/Wisconsin-Bankers-Association-logo.svg 0 0 Katie Reiser https://www.wisbank.com/wp-content/uploads/2021/09/Wisconsin-Bankers-Association-logo.svg Katie Reiser2023-09-01 14:08:212023-09-01 14:08:21BSA/AML: Marijuana & Hemp
Bank Directors, Compliance, Internal Audit, Risk Management, Security, Senior Management, Technology, Webinar Audit, Board of Directors, Compliance

Outsourced Third Party Risk Management: Developing a Compliant Program

Third party risk management continues to be a top priority with the regulators, evidenced by the release of Interagency Guidance on Third Party Relationships: Risk Management, June 6, 2023. This comprehensive Guidance is intended to assist in identifying and managing risks associated with third party relationships and in complying with applicable laws and regulations.

Outsourced Third Party (Vendor) Risk Management continues to be a top priority with the regulators. Therefore, ensuring your Program is not only going to be effective but also meet their expectations needs to be a priority. When you outsource, you are placing your confidential customer information in someone else’s hands along with the availability and security of that information, but you still retain the responsibility for ensuring the integrity, confidentiality, availability, and security of the information making this a crucial part of your overall Information and Cyber Security Program.

The FFIEC issued Interagency Guidance on Third Party Relationships: Risk Management, June 6, 2023, which rescinded all previous Guidances issued by the Agencies addressing appropriate third party relationship risk management practices. This new guidance is intended to assist in identifying and managing risks associated with third party relationships and complying with applicable laws and regulations. In addition to the latest guidance, the FFIEC issued a revised Business Continuity Management handbook on November 14, 2019, that addresses Third Party Management, Third Party Capacity, Testing with Third-Party Technology Service Providers, and Cyber Resilience. The FFIEC Cybersecurity Assessment Tool (CAT) also includes declarative statements relating to Outsourced Third Party Risk Management practices. Your Outsourced Third Party Risk Management Program should address both Vendor and Third Party Service Provider relationships and activities including cloud providers, managed service providers, core banking and digital banking providers, and critical infrastructure providers like telecommunications, utility, and Internet service providers. Management of these relationships starts with proper strategic planning, performing due diligence prior to contracting, risk assessing each relationship to identify critical and significant relationships and those that present high risk no matter of their significance, reviewing contracts, and performing annual oversight.

What You’ll Learn

  • FFIEC expectations for your Program
  • Roles and Responsibilities
  • Expectations for Planning, Due Diligence and Selection, Risk Assessing, Contracting, and Oversight

Who Should Attend?
Senior Management, Information Security Officers, Compliance Officers, Risk Managers, IT Managers, Operations Managers, and IT auditors should attend.

Presenter Bio
Susan Orr is a leading financial services expert with vast regulatory, risk management, and security best practice knowledge and expertise.

As an auditor and consultant, Orr is dedicated to assisting financial institutions in implementing appropriate policies and controls to protect confidential information and comply with regulatory mandates and best practices. Her expertise as an auditor and former examiner provides her the knowledge and expertise to conduct comprehensive IT general control and data security reviews and assist banks in developing and updating policies and procedures and risk assessments, performing third party risk management, and facilitating testing and training. Orr is a Certified Information Systems Auditor (CISA), Certified Information Security Manager (CISM), Certified in Risk and Information Systems Control (CRISC).

Registration Options

Live Access, 30 Days OnDemand Playback, Presenter Materials and Handouts $279

  • Available Upgrades:
    • 12 Months OnDemand Playback + $110
    • 12 Months OnDemand Playback + Digital Download + $140
    • 12 Months OnDemand Playback + CD + $140
    • Additional Live Access + $85 per person
September 1, 2023/by Katie Reiser
https://www.wisbank.com/wp-content/uploads/2021/09/Wisconsin-Bankers-Association-logo.svg 0 0 Katie Reiser https://www.wisbank.com/wp-content/uploads/2021/09/Wisconsin-Bankers-Association-logo.svg Katie Reiser2023-09-01 14:07:232023-09-01 14:07:23Outsourced Third Party Risk Management: Developing a Compliant Program
Branch Manager, Compliance, Internal Audit, Risk Management, Senior Management, Training and Development, Webinar Audit, Compliance, CRA, Risk Management

Dealing with Insiders: Regulations O and W

Many banks appoint a “Reg. O and W” Officer to monitor all these activities and assure compliance. In this webinar, we’ll detail the many requirements of Regs. O and W and provide tips to assure effective compliance management practices. We’ll talk about who the bank’s insiders and affiliates are and how to manage the many requirements.

Handling transactions with a bank’s insiders can be tricky business — there are several important regulatory requirements to be aware of, primarily Regulations O and W. Reg. O addresses loans to insiders. Do you have a solid idea of who (and/or what) the bank’s insiders are? It can change frequently. Then you must deal with the myriad rules that apply when lending to them. Overdrafts in particular can be a thorny issue, and many banks have found themselves in trouble due to their practices.

Regulation W is, in the minds of many, the most complicated regulation out there to monitor. Reg. W (which comes from the Federal Reserve Act Sections 23A and B) contains a multitude of requirements when dealing with transactions (and not just loans) with affiliates. Keeping track of just who the bank’s affiliates are can be daunting enough. There are further collateral requirements to keep track of as well.

What You’ll Learn

  • Reg. O: Who are the bank’s insiders? Detailed definitions
  • Handling the holding company and affiliate insiders
  • What is an “extension of credit” covered by Reg. O?
  • “General” restrictions that apply to all insiders
  • More specific restrictions that apply to a smaller group of insiders
  • Recordkeeping and recommendations
  • Reg. W: Who are the bank’s affiliates? Who is not?
  • What is a “covered transaction”?
  • Attribution and combination rules
  • Limitations on these types of transactions
  • Collateral restrictions
  • Prohibitions against low-quality assets
  • The “arms-length” rule

Who Should Attend
This interactive session will benefit anyone in the institution who needs to know the many rules that apply to transactions with insiders and affiliates. This could include compliance professionals, auditors, senior management, directors, holding company officers, and loan officers who may run across these types of transactions and need to know the rules.

Presenter Bio
Carl Pry
is a Certified Regulatory Compliance Manager (CRCM) and Certified Risk Professional (CRP) who is a Managing Director for Treliant Risk Advisors in Washington, D.C. Through his working career, as well as through his experience as a banking attorney and officer, he has provided a variety of regulatory compliance and financial performance services to financial institutions and other clients throughout the country. He has written extensively regarding consumer and commercial compliance, tax, audit, and financial institution legal issues, and is a frequent contributor to and currently serves on the Editorial Advisory Board for the ABA Bank Compliance magazine. Pry has spoken at scores of banking, compliance, and state bar associations, and has conducted training sessions for financial institutions across the country.

Registration Options

  • Live Access, 30 Days OnDemand Playback, Presenter Materials and Handouts – $279
  • Available Upgrades:
    • 12 Months OnDemand Playback + $110
    • 12 Months OnDemand Playback + CD  + $140
    • Additional Live Access + $85 per person
September 1, 2023/by Katie Reiser
https://www.wisbank.com/wp-content/uploads/2021/09/Wisconsin-Bankers-Association-logo.svg 0 0 Katie Reiser https://www.wisbank.com/wp-content/uploads/2021/09/Wisconsin-Bankers-Association-logo.svg Katie Reiser2023-09-01 13:54:022023-09-01 13:54:02Dealing with Insiders: Regulations O and W
Compliance, Frontline Retail, Operations, Senior Management, Webinar Audit, Compliance, Operations

Junk Fees: Identifying, Eliminating, & Compliance Action Plan

Junk fees have been getting a fair amount of press recently. Where does your institution stand? Do you have junk fees? Are you planning to eliminate some? How great is your exposure? Attend this webinar and avoid being caught by surprise during your next regulatory exam.

After This Webinar You’ll Be Able To:

  • Identify junk fees
  • Understand why the CFPB and other agencies consider these fees unfair
  • Ascertain your exposure for junk fees
  • Identify regulatory hot spots, including overdrafts, student fees, and debt collection
  • Change your procedures, policies, and services to reflect the current environment
  • Understand the history of CFPB consent orders
  • Make an action plan

Webinar Details
Does your institution have “junk fees”? Or has the CFPB gone wild? A recent consent order issued by the CFPB shows just how seriously they are taking junk fees. Not only was the bank fined by the CFPB, but also by the OCC. These offenses include repeated charges when an account is overdrawn, student fees, and debt collection practices. This webinar will help you examine your exposure regarding junk fees and know what to do about these practices. Don’t be caught off guard when your regulatory examination happens.

Who Should Attend
This hot topic will benefit compliance officers, deposit and loan operations staff, branch administration, legal personnel, management, and anyone who deals with accountholder fees and services.

Take Away Toolkit

  • Research supplement with all the consent orders and CFPB circulars and guidance
  • Employee training log
  • Interactive quiz
  • PDF of slides and speaker’s contact info for follow-up questions
  • Attendance certificate provided to self-report CE credits

NOTE: All materials are subject to copyright. Transmission, retransmission, or republishing of any webinar to other institutions or those not employed by your institution is prohibited. Print materials may be copied for eligible participants only.

Instructor Bio

Deborah Crawford – Gettechnical Inc

Deborah Crawford is the president of Gettechnical Inc., a Florida-based firm, specializing in the education of financial institutions across the nation. Her 30+ years of experience began at Hibernia National Bank in New Orleans. She graduated from Louisiana State University with both her bachelor’s and master’s degrees.

Crawford specializes in the education of financial institution employees and officers in the areas of deposit account laws, new account documentation, insurance, complex compliance regulations, and IRAs.

Registration Options

  • $279 – Live Webinar Access
  • $279 – OnDemand Access + Digital Download
  • $379 – Both Live & On-Demand Access + Digital Download
September 1, 2023/by Katie Reiser
https://www.wisbank.com/wp-content/uploads/2021/09/Wisconsin-Bankers-Association-logo.svg 0 0 Katie Reiser https://www.wisbank.com/wp-content/uploads/2021/09/Wisconsin-Bankers-Association-logo.svg Katie Reiser2023-09-01 11:23:252023-09-01 11:23:25Junk Fees: Identifying, Eliminating, & Compliance Action Plan
Operations Audit, Operations

Accurately Completing the W-9, W-8BEN, 1099-INT, & 1042-S

As a withholding agent for the IRS, your financial institution is liable if tax withholding is not done properly. This detailed webinar and the supplemental materials provided will contain everything you’ll need to stay in good standing with Uncle Sam!

After This Webinar You’ll Be Able To:

  • Who signs the W-9 and W-8BEN?
  • What happens if they are incorrectly completed?
  • Who is exempt from backup withholding, W-8BEN withholding, and 1099-INT reporting?
  • What are exemption codes and where are they recorded?
  • Which countries require collection of W-8BEN information?
  • Which countries are exempt?
  • What is a TIN Matching with the IRS?
  • B Notices for US accountholders
  • Common errors and how to avoid them

Webinar Details
Who signs the W-9 and W-8BEN? What happens if these forms are not on file? When is backup withholding required? Who is exempt? This webinar will look at frontline to back-office implications of accounts set up incorrectly, the liability of not withholding properly, and who gets interest-reporting on which accounts. Learn more about all types of ownership and tax status to see what is reported to the IRS and what is not.

Who Should Attend
This informative session is designed for compliance officers, deposit operations staff, branch administration, trainers, new accounts personnel, and bookkeepers.

Take Away Toolkit

  • Supplement including all materials referenced in the webinar
  • Employee training log
  • Interactive quiz
  • PDF of slides and speaker’s contact info for follow-up questions
  • Attendance certificate provided to self-report CE credits

NOTE: All materials are subject to copyright. Transmission, retransmission, or republishing of any webinar to other institutions or those not employed by your institution is prohibited. Print materials may be copied for eligible participants only.

Instructor Bio

Deborah Crawford — Gettechnical Inc

Deborah Crawford is the president of Gettechnical Inc., a Florida-based firm, specializing in the education of financial institutions across the nation. Her 30+ years of experience began at Hibernia National Bank in New Orleans. She graduated from Louisiana State University with both her bachelor’s and master’s degrees.

Crawford specializes in the education of financial institution employees and officers in the areas of deposit account laws, new account documentation, insurance, complex compliance regulations, and IRAs.

Registration Options

  • $279 – Live Webinar Access
  • $279 – OnDemand Access + Digital Download
  • $379 – Both Live & On-Demand Access + Digital Download
September 1, 2023/by Katie Reiser
https://www.wisbank.com/wp-content/uploads/2021/09/Wisconsin-Bankers-Association-logo.svg 0 0 Katie Reiser https://www.wisbank.com/wp-content/uploads/2021/09/Wisconsin-Bankers-Association-logo.svg Katie Reiser2023-09-01 11:20:312023-09-01 11:20:31Accurately Completing the W-9, W-8BEN, 1099-INT, & 1042-S
Compliance, Consumer / Retail, Internal Audit, Lending, Risk Management, Senior Management, Training and Development, Webinar Audit, Compliance, Consumer Lending, CRA, Fraud, Risk Management

The Fair Credit Reporting Act (FCRA) and Related Issues

Learn what these tripwires are and prepare your institution for inquiries from the agencies as well as consumers be sure to be prepared.

The Fair Credit Reporting Act (FCRA) is one of the more complex rules in the banking industry, due partially to the fact that it’s been updated several times over the years. As well, the consumer credit reporting process has been a primary area of focus by the regulations, especially the CFPB. There are many concerns and landmines within the credit reporting process. There are also many notices that must be provided under the FCRA, and knowing when to provide what notice can be complicated. The dispute process under the FCRA is also an area of concern — make sure you’re doing things correct.

What You’ll Learn

  • Basic FCRA definitions and requirements – what is a “consumer report” and a “consumer reporting agency (CRA)”?
  • When can you obtain a credit report in the first place?
  • What you can and cannot do with credit reports
  • Adverse action and required notices under the FCRA – different from Regulation B
  • Fraud Alert provisions
  • Blocking of information due to ID theft or fraud
  • Limitations on Medical Information
  • Enhanced Consumer Access to Credit Information: Credit Score availability and factors affecting the score
  • Notification of Reports of Negative Information
  • Risk-Based Pricing Notices and sample forms
  • Red Flag Guidelines and the Identity Theft Prevention Program
  • Opt-out provisions and notices
  • Prescreened solicitations – rules and requirements
  • Sharing of information with affiliates
  • Duties of accuracy and integrity of information you report to the credit bureaus
  • Consumer dispute provisions

Who Should Attend
Anyone who deals with credit reporting responsibilities at your institution, and the consumers who are affected, would benefit from attending this session.

Instructor Bio

Carl Pry is a Certified Regulatory Compliance Manager (CRCM) and Certified Risk Professional (CRP) who is a Managing Director for Treliant Risk Advisors in Washington, D.C. Through his working career, as well as through his experience as a banking attorney and officer, he has provided a variety of regulatory compliance and financial performance services to financial institutions and other clients throughout the country. He has written extensively regarding consumer and commercial compliance, tax, audit, and financial institution legal issues, and is a frequent contributor to and currently serves on the Editorial Advisory Board for the ABA Bank Compliance magazine. He has spoken at scores of banking, compliance, and state bar associations, and has conducted training sessions for financial institutions across the country.

Registration Options

  • Live Access, 30 Days OnDemand Playback, Presenter Materials and Handouts – $279
  • Available Upgrades:
    • 12 Months OnDemand Playback + $110
    • 12 Months OnDemand Playback + CD  + $140
    • Additional Live Access + $85 per person
September 1, 2023/by Katie Reiser
https://www.wisbank.com/wp-content/uploads/2021/09/Wisconsin-Bankers-Association-logo.svg 0 0 Katie Reiser https://www.wisbank.com/wp-content/uploads/2021/09/Wisconsin-Bankers-Association-logo.svg Katie Reiser2023-09-01 11:15:222023-09-01 11:15:22The Fair Credit Reporting Act (FCRA) and Related Issues
Bank Directors, Compliance, Internal Audit, Risk Management, Senior Management, Technology, Webinar Audit, Board of Directors, Compliance

Cybersecurity Mindset – How to Move from Reactive to Proactive

The responsibility for managing and overseeing any organization today is massive and has evolved greatly over the last ten years to include investments in technology and cybersecurity. The Board of Directors and Senior Management are held accountable to the organization’s shareholders, employees, customers, the community they serve, and (in many cases) regulators.

While more organizations work hard to be proactive with finances and operations, oversight of technology and cybersecurity tends to yet be very reactive. Funding and resources are typically very limited until an incident occurs that jeopardizes the operations of the business. This presentation will cover the benefits of moving from a reactive to a proactive cybersecurity mindset, advice for being proactive, and how to create a culture of cybersecurity in your organization.

What You’ll Learn

  • Differences between a reactive and proactive cybersecurity mindset
  • Results of a proactive cybersecurity mindset
  • Tactical advice for being proactive
  • Creating a culture of cybersecurity

Who Should Attend
Information Security Officers, IT Managers, Risk Officers, Internal Auditors, and Executives looking to improve their Information Security Programs will benefit from this webinar.

Presenter Bio
Dylan Kreutzfeldt is an Information Security Consultant at SBS CyberSecurity (SBS), a company dedicated to helping organizations identify and understand cybersecurity risks to make more informed and proactive decisions. He is also an instructor for the SBS Institute, leading the Certified Banking Security Technology Professional (CBSTP) course and hosting educational webinars, security awareness training, and additional speaking engagements.

Dylan maintains Certified Banking Security Manager (CBSM), Certified Banking Security Technology Professional (CBSTP), and Certified Banking Cybersecurity Manager (CBCM) certifications. He received his Bachelor of Science in Network Security and Administration from Dakota State University.

Dylan joined the SBS team in 2015, holding IT audit and network security roles before transitioning into consulting. He specializes in the implementation and governance of internal cyber controls technical background and his skill set was a driving force in championing the creation of the company’s Office 365 testing program.

Dylan is passionate about supporting his clients as they continually strive for increased cyber maturity and growing the relationships he builds along the way.

Registration Options

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