Overdraft Programs: How to Prepare for Regulatory Scrutiny

What You’ll Learn

• Guidance for ad hoc versus automated OD programs
• Opt-in/Opt-out process required by Regulation E
• How to identify inherent risks of your OD program
• How to develop effective policies and procedures
• Overdraft restrictions for employees and insiders
• Ongoing monitoring of accountholder activity
• Understand the impact of UDAAP
• Marketing your OD program compliantly
• Best practices for disclosing OD fees
• Effectively reporting OD program details to the board and management

Who Should Attend
This session is designed for New Accounts Personnel, Branch Managers, Deposit Operations Staff, Compliance Officers, Risk Officers, and Internal Auditors.

Presenter
Dawn Kincaid began her banking career while attending The Ohio State University. She has 19 years of 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

• 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