Archive for: Operations

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Notary Essentials, Virtual Notarizations & Legalities

Notaries are the unsung champions of countless transactions and contracts. Their willingness to assume personal liability for each notarization underscores the importance of compliantly fulfilling their duties. That includes following the rules for electronic, virtual, and remote notarizations. This must-attend session will delve into the details.

After This Webinar You’ll Be Able To:

  • Understand your responsibilities under the five pillars of BSA
  • Identify red flags and report potentially suspicious activity
  • Gather required CDD information, including beneficial ownership data
  • Comply with OFAC screening responsibilities
  • Determine how to respond to the latest lending-related BSA “hot buttons”
  • Detail penalties for noncompliance

Webinar Details

Notaries must fully understand their duties and responsibilities. Individuals assume personal liability when serving as a notary, and their employer (i.e., your financial institution) can also be held liable. This program will teach notaries how to understand and correctly execute their duties and responsibilities. Furthermore, many states have authorized some form of virtual, electronic, and remote notarizations and this program will explain the applicable rules.

Who Should Attend?

This informative session will be beneficial for all notaries and their managers.

Take-Away Toolkit

  • Websites for each state listing notary requirements
  • 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 agency is prohibited. Print materials may be copied for eligible participants only.

Presenter
Elizabeth Fast – Spencer Fane LLP

Elizabeth Fast is a partner with Spencer Fane LLP where she specializes in the representation of financial institutions. Fast 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.

Registration Options

  • $279 – Live Webinar Access
  • $279 – OnDemand Access + Digital Download
  • $379 – Both Live & On-Demand Access + Digital Download
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IRA Year-End Update: New & Important IRA Issues & Answers

Are you up to date on the most important issues facing traditional and Roth IRA owners?

Presented in an easy-to-understand format, this webinar will identify and address key areas of IRA reporting, how to avoid administrative noncompliance, and the July 14, 2023, guidance regarding IRA beneficiary distributions under the 10-year rule.
This webinar is part of the 2023 IRA Series.

After This Webinar You’ll Be Able To:

  • Review IRS Notices 2023–54 and 2022–53
    • Understand relief provided under Notice 2023-54 for certain missed beneficiary distributions under the 10-year rule and certain missed 60-day rollover period deadlines
  • Identify IRA beneficiary options for deaths occurring on or after January 1, 2020
  • Use beneficiary options quick reference charts
  • Examine new required 2023 federal income tax withholding requirements, including IRS Form W-4R
  • Determine when traditional IRA RMDs (required minimum distributions) must commence
  • Understand important considerations when minors or organizations are named as IRA beneficiaries
  • Distinguish whether divorce will impact IRA beneficiary designations

Webinar Details
In this timely session you will learn about your many responsibilities when managing and administering traditional and Roth IRA accounts and it will ensure that you are up to date on current IRA issues and IRS guidance. This session will cover a lot of ground, including a detailed review of IRS guidance issued on July 14, 2023, regarding handling certain IRA beneficiary distributions under the 10-year rule. Whether you have operational, managerial, or customer contact responsibilities, you will benefit from this practical session.

Who Should Attend?
This informative webinar will benefit everyone at your organization who is involved with IRA accounts, including service representatives, operations staff, compliance staff, administrative personnel, management, trust department staff, and those licensed for insurance and securities.

Take-Away Toolkit

  • 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.

Presenter
Frank LaLoggia — LaLoggia Consulting, Inc.

Frank LaLoggia is the president of LaLoggia Consulting, Inc., Rochester, New York, a pension consulting firm that assists financial organizations with ongoing support in the creation, development, and marketing of their retirement plans offerings.

LaLoggia coordinates and conducts retirement plan seminars and training programs throughout the United States, including in-house IRA, HSA, and employer retirement plan training sessions. With over 39 years’ experience in employee benefits, he has assisted many leading financial organizations in the pension and financial services industries. LaLoggia has achieved the designation of Deferred Compensation Specialist through Northeastern University’s Center for Continuing Education and The National Retirement Plans Training Conference.

Registration Options

  • $279 – Live Webinar Access
  • $279 – OnDemand Access + Digital Download
  • $379 – Both Live & On-Demand Access + Digital Download
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Robbery: Prevention, Safety, & Current Threats

Could someone currently be casing your bank? What makes one location more favorable than another to a robber? How can you deter robbers from selecting your institution? Every employee can play a role in prevention, and it is critical that all personnel are prepared and trained in the safest response methods. Attendees will learn various approaches used by crooks, how employee observations can be valuable, and essential actions to take following a robbery.

After This Webinar, You’ll Be Able To:

  • Discern recent robbery trends
  • Recognize vulnerabilities within your habits and environment
  • Realize the importance of safe opening procedures
  • Know what to do during a robbery and what to avoid
  • Strengthen situational awareness
  • Understand your role in prevention
  • Identify habits that endanger
  • Learn how to reduce risk

Who Should Attend?
This evergreen topic will benefit all financial institution employees.

Take-Away Toolkit

  • Robber description form
  • Before, during, and after a robbery checklist
  • 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.

Presenter Bio
Carol Dodgen is the owner of Dodgen Security Consulting, LLC. Since 1998, her company has provided services including training, ATM lighting inspections, and security assessments to financial institutions, government entities, and businesses. Previously, Dodgen served as the security training officer for Compass Bank. She earned a Master’s in Criminal Justice and spent several years as an adjunct criminal justice instructor.

Dodgen is a nationally recognized speaker who has provided training for over 150,000 corporate, manufacturing, utility, law enforcement, and security personnel over the past 26 years. She holds a Crime Prevention Designation and provides instruction on crime prevention, workplace violence, and robbery. In 2009, Dodgen was appointed by the governor to the Alabama Security Regulatory Board and served for six years as vice chair.

Registration Options

  • $279 – Live Webinar Access
  • $279 – OnDemand Access + Digital Download
  • $379 – Both Live & On-Demand Access + Digital Download
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Countdown to Beneficial Ownership Rules – Policy, Procedures, and Process

Ready, set, go! It’s time to update your beneficial ownership policy, procedures, and processes! This program will be focused on financial institutions and what you have to do to be ready for January 1, 2024.

What You’ll Learn:

  • Update on beneficial ownership rules for your implementation team
  • Training on privacy for your staff
  • Customer approval process
  • Sample policy change
  • Sample procedural changes
  • Integrating new processes into your everyday workplace
  • Many more tips and tools

Who Should Attend?
BSA Officer, Compliance Officer, Marketing Officer, Business Development Officers, and Commercial Lending staff need to get updated on the new procedures about to take place.

Presenter Bio
Deborah Crawford — Gettechnical Inc.
Deborah Crawford is the president of Gettechnical Inc., a Florida based training company. She specializes in the deposit side of the financial institution and is an instructor on IRAs, BSA, Deposit Regulations and opening account procedures. She was formerly with Hibernia National Bank (now Capital One) and has bachelor’s and master’s degrees from Louisiana State University. She has 35+ years of combined teaching and banking experience.

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
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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
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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
/by
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Banking Legal Marijuana Businesses

Are you up to date with federal and state laws and regulations related to the cannabis and marijuana industry? Whether you are actively engaged with MRBs or just looking for new business opportunities, this dynamic webinar will have something for you.

After This Webinar You’ll Be Able To:

  • Evaluate the current legal landscape of state and federal laws
  • Understand the potential impact of marijuana laws on multiple operational areas
  • Prepare a marijuana-related business (MRB) due diligence plan
  • Determine the proper alignment of policies and procedures
  • Assess the benefit of third-party industry expertise
  • Appreciate cannabis-related business best practices

Webinar Details

The increasing acceptance of marijuana- and cannabis-related products, combined with flexibility within state legal systems, makes it absolutely essential for every financial institution to understand the myriad impacts this changing landscape can have on almost every element of business operations. From lending to deposit accounts and human resources to BSA, you need to understand the landmines and embrace the opportunities presented by this growing field.

Today’s shrinking margins and increased competition (including from FinTechs) should have every institution considering expanded business lines or additional income sources and ways to serve your community. One thing that has not changed, however, is the need to perform a thorough risk assessment before embarking on any new adventures. This is especially true with the cannabis industry, as the landscape is continually changing, and more players continue to stream into the marketplace. Join veteran financial services attorney David Reed as he gives a timely overview of the current cannabis industry as it relates to financial services.

Who Should Attend
This informative session is designed for board members, senior executives, managers, compliance staff, lending staff, deposit account managers, business development personnel, internal auditors, and anyone involved with commercial account activity or marijuana-related businesses.

Take Away Toolkit

  • MRB due diligence checklist
  • Cannabis banking resource guide
  • Survey of state cannabis laws
  • Recent regulatory 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

David A. Reed, JD – Reed & Jolly, PLLC

Attorney, author, consultant, and nationally recognized trainer, David Reed is a partner in the law firm of Reed & Jolly, PLLC. He provides guidance to financial institutions on establishment and revision of policies and procedures, organizational compliance, collections, security, contractual agreements, regulatory matters, and corporate governance. His engaging speaking style has made him a nationwide lecturer on regulatory compliance, consumer lending, bankruptcy, and collections.

A former trial attorney and vice president and general counsel of a large regional financial institution, Reed is also a Certified Fraud Examiner. He is particularly known as an expert in the areas of operations, bankruptcy, and collections. He has trained state and federal examination staff on numerous issues, including BSA, ID theft red flags, SAFE Act, third-party contract management, and bankruptcy.

Registration Options

  • $279 – Live Webinar Access
  • $279 – OnDemand Access + Digital Download
  • $379 – Both Live & On-Demand Access + Digital Download
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Fighting Fraud: Recognizing Red Flags & Assisting Accountholders

Scam… another rotten four-letter word. Too many accountholders fall victim to various scams and fraud schemes. Do you know how to help them? What are your procedures and reporting requirements? Can you spot red flags? This must-attend webinar will teach you about procedural best practices for responding to fraud and suspected identity theft and when, how, and to whom to report fraud.

After This Webinar You’ll Be Able to:

  • Identify red flags for fraud and scams facing your financial institution and your accountholders
  • Recognize counterfeit checks before they become check fraud losses
  • Discuss risk management practices and controls
  • Implement procedures for employees to report suspected fraud
  • Understand reporting requirements and guidance of the BSA, FTC, and more

Webinar Details
Accountholders continue to fall victim to the ever-evolving scams and schemes targeting them daily. “You’ve won a foreign lottery!” “Get paid big money to work from home!” “You qualify for a $50,000 LOC; just pay $8,000 in closing costs!” You’ve likely heard it all! This session will address the latest scams consumers face and how to recognize the red flags. It will walk through the process of identifying fraud and talking to accountholders when you believe they’ve fallen victim to a con. Tools and resources will be provided to make those conversations go a little easier.

WHO SHOULD ATTEND?
This informative session is directed at frontline staff, branch managers, operations personnel, fraud officers, risk managers, BSA officers, and compliance officers.

TAKE-AWAY TOOLKIT

  • Sample suspicious activity incident report
  • Red flags for hot button fraud areas
  • Fraud prevention checklist
  • 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 agency is prohibited. Print materials may be copied for eligible participants only.

Meet the Presenter: Dawn Kincaid – Brode Consulting Services Inc

Dawn Kincaid began her banking career while attending The Ohio State University. She has over 20 years’ experience in client service, operations, information technology, administrative and board relations, marketing, and compliance. Most recently Kincaid served as the Senior Vice President of Operations for a central-Ohio-based community bank, where she created and refined policies and procedures, conducted self-audits and risk assessments, and organized the implementation of new products and services.

Kincaid has served in the roles of Compliance, BSA/AML, CRA, Privacy, and Security Officer. She has led training initiatives, prepared due diligence information, completed a variety of regulatory applications, coordinated internal and external audits and exams, and presented for numerous state associations.

REGISTRATION OPTIONS

  • $279 – Live Webinar Access
  • $279 – OnDemand Access + Digital Download
  • $379 – Both Live & On-Demand Access + Digital Download
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Stress Testing Your Loan Portfolio

Every institution has its own risk appetite, which should directly inform its loan portfolio stress testing methodology.

Using stress factors that don’t align with your risk appetite can result in a flawed assessment of your loan portfolio risk. This jam-packed program will explain how to best find realistic, useful scenarios, and much more.

After This Webinar You’ll Be Able To:

  • Identify the uses and limitations of stress testing
  • Know how to stress test both the portfolio and individual borrowers
  • Construct realistic risk scenarios for assessing each segment of your loan portfolio
  • Properly analyze your stress test results and know what to include in your stress test analysis
  • Better understand how the concepts of stress testing your loan portfolio can be applied to other aspects of your organization
  • Realize how stress testing is a key component of your organization’s capital planning
  • Understand the regulatory expectations in today’s environment

Webinar Details

Stress testing gained traction after the Great Recession. Its purpose is to help risk managers better understand how a loan portfolio could react under varying degrees of stress and appropriately adjust an institution’s risk appetite. Much of the loan portfolio-based stress testing is focused on CRE loans. This webinar will cover owner- and non-owner-occupied CRE, as well as agricultural, C&I, and consumer loan portfolios.

Each portfolio can be impacted by different types of stresses, which can be analyzed using appropriate stress testing scenarios. Once results of the analyses are determined, the next step is understanding how to use the data to appropriately adjust your underwriting and management of higher risk portfolios to lessen the impact on your organization when the next economic downturn occurs.

You’ll learn how to apply the data to analyze the entire spectrum of risk in your loan portfolio, from individual borrowers to entire segments, and even your loan portfolio as a whole, to help you understand the impact on capital as part of your overall capital adequacy testing and capital planning process. Many of these concepts can be adapted to other parts of your organization. Finally, regulatory expectations based on recent guidance and exams will be covered.

Who Should Attend?
This informative session is designed for CFOs, chief risk officers, chief credit/lending officers, credit analysts, and anyone involved in capital planning, loan portfolio risk management, and stress testing CRE, C&I, and ag borrowers.

Take-Away Toolkit

  • Checklist of items to consider when determining your stress scenarios
  • List of resources for stress testing, including where to find the data needed to construct your stress scenarios
  • 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.

Presenter
Robert L. Viering — RiverPointUSA LLC

Bob Viering brings over 35 years of banking experience to RiverPointUSA, where he concentrates on management and board planning activities, such as strategic, capital, and succession planning, de novo bank formation, assisting with managing regulatory agreements, loan review, and credit process assessment. He has served as a bank director and was an independent member of a bank’s audit committee.

Prior to becoming a consultant, Viering was a de novo bank organizer responsible for all regulatory filings, planning, recruiting, and also serving as CEO. He has been an advisor for other de novo bank formations. Earlier in his career, Viering held various management positions with large and regional banks, including market president and regional credit officer. In addition, he has managed deposit and loan operations groups and was a lender to local, regional, and international businesses. He has also served as a board member of state and national trade associations.

Registration Options

  • $279 – Live Webinar Access
  • $279 – OnDemand Access + Digital Download
  • $379 – Both Live & On-Demand Access + Digital Download
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BSA for Operations Personnel

BSA training for the operations team is crucial — and required. This jam-packed program will provide insight, BSA requirements, compliance tips, and well-honed tools to ensure your operations program is shipshape!

After This Webinar You’ll Be Able to:

  • Understand your responsibilities under each of the five BSA pillars
  • Identify and report potentially suspicious activity
  • Gather information required to meet your customer due diligence requirements
  • Apply provided best practices to identify and monitor high-risk accountholders
  • Review red flags for hot-button, high-risk (or illegal) activities including cybercrime, cannabis-related businesses, human trafficking, and cryptocurrency
  • Detail the penalties for non-compliance

Webinar Details
Members of the operations team see it all — deposits, loan payments, debit card transactions — and serve as the hub for electronic banking, RDC, and ACH services. Therefore, it’s crucial that this team receives tailored initial and annual training on BSA/AML requirements and fully understands the BSA responsibilities of their day-to-day duties. This session will detail BSA/AML rule components, including red flags for money laundering, CIP documentation, CDD rules, OFAC screening, CTR completion, maintaining information for the sale of monetary instruments, and much more! In addition, it will review red flags for ACH fraud and BSA best practices for electronic banking services. Attend this webinar to gain the knowledge and tools needed to comply with the many requirements of the Bank Secrecy Act.

Who Should Attend?
This informative session is designed for deposit operations personnel, loan operations personnel, electronic banking staff, BSA/AML officers, and internal auditors.

Take-Away Toolkit

  • Audit checklist for reviewing correct CTR completion
  • Sample RDC accountholder review form
  • Red flags to use for training
  • Beneficial ownership final rule fact sheet
  • 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 agency is prohibited. Print materials may be copied for eligible participants only.

Meet the Presenter: Dawn Kincaid – Brode Consulting Services Inc
Dawn Kincaid began her banking career while attending The Ohio State University. She has over 20 years’ experience in client service, operations, information technology, administrative and board relations, marketing, and compliance. Most recently Kincaid served as the Senior Vice President of Operations for a central-Ohio-based community bank, where she created and refined policies and procedures, conducted self-audits and risk assessments, and organized the implementation of new products and services.

Kincaid has served in the roles of Compliance, BSA/AML, CRA, Privacy, and Security Officer. She has led training initiatives, prepared due diligence information, completed a variety of regulatory applications, coordinated internal and external audits and exams, and presented for numerous state associations.

REGISTRATION OPTIONS

  • $279 – Live Webinar Access
  • $279 – OnDemand Access + Digital Download
  • $379 – Both Live & On-Demand Access + Digital Download
/by
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Madison, WI 53718

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