Events

The banking agencies have issued guidance on managing the risks of third-party relationships that will replace earlier guidance. Vendor management has been an important issue for a long time, but it is apparent that the expectations are increasing, no matter in what form the guidance is finalized. The rise of fintech companies and their participation in the banking industry has changed the landscape of risk in important ways, and financial institutions need to adapt.

In this webinar, we’ll discuss the guidance and what these new expectations are, and how to best improve your vendor management program to implement the changes and expectations. We’ll also go over the elements of a successful vendor management program in any institution, from vendor selection to monitoring.

What You’ll Learn

  • New proposed third-party management guidance from the agencies – what to expect and what this tells us
  • Managing relationships with financial technology (fintech) firms
  • Developing and maintaining risk management policies and programs regarding third-party relationships
  • Oversight of third-party activities
  • Contract negotiation and management
  • Ongoing monitoring
  • Identification of significant vendor relationships – what does this mean and what are the covered activities?
  • Vendors’ ability to comply with applicable law and regulations

Who Should Attend
This webinar is intended to anyone involved in the vendor management/third-party risk process, from compliance and risk management professionals, to counsel, management, and even directors.

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 $279

  • Available Upgrades:
    • 12 Months OnDemand Playback + $110
    • 12 Months OnDemand Playback + CD + $140
    • Additional Live Access + $75 per person

There have always been specific fair lending risk factors for commercial loans, but not a great deal of attention from regulators who are more focused on the safety and soundness aspect of commercial loan portfolios. What will your examiners begin to review with the advent of the 1071 rules? When an examiner compares a file for a denied women or minority-owned small business applicant to an “established good commercial customer” will your bank be able to justify the decision? Will the collection activities also receive more scrutiny?

These five areas will be a reason to “fine-tune” fair lending training in the commercial loan area:

  • Vague or subjective underwriting
  • Risk-based pricing that’s not based on objective criteria
  • Lack of File Documentation and exception tracking
  • Marketing and advertising practices
  • Patterns of lending and exclusions identified in the most recent CRA exam.

*Special Note — the proposed CRA rules specifically reference the use of 1071 data analysis.

FAILURE TO ACHIEVE A SATISFACTORY CRA RATING WILL STOP YOUR BANK’S PLANS FOR EXPANSION.

What You’ll Learn
This program will include an overview of potential fair lending red flags, but also often solutions for a successful program for commercial lenders that include:

  • Understanding fair lending risk in the commercial product line
  • Controls for written underwriting, pricing standards and collection activities
  • Exception guidelines including exception authority, tolerances and trends
  • Overview of the 1071 rules and impacts
  • Tools for fair lending training

Who Should Attend
This program is designed for chief credit officers, commercial lenders, commercial loan assistants, compliance officers, auditors, Fair Lending officers, collections staff, loan administration staff, CRA officers.

Instructor Bio
Susan Costonis is a compliance consultant and trainer. She specializes in compliance management along with deposit and lending regulatory training.

Costonis 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. Costonis 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.

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 + $75 per person

It seems like the question of the legality of banking cannabis businesses has gone on forever, but it is a complex topic. With the discussion in Congress of the Safe Banking Act and expanding legality on the state level (although of various degrees), is now the time for your institution to jump into the fray? This webinar will discuss the current state of affairs regarding cannabis banking, including hemp production.

We’ll talk about potential federal legislation and its (eventual) chances. What will this mean? Will it be full legalization across the country or something lesser? What are the risks if you operate in multiple states? How will regulators treat these types of activities and what are the expectations from an AML standpoint? And do bankers need to turn into biochemists to figure all this out? We’ll provide the current lay of the land so every institution can make an educated decision on what it wants to do and how to plan.

What You’ll Learn

  • The current state of banking MRBs (Marijuana-Related Businesses)
  • State legislation and legalization
  • Different styles of legalization – it’s not all the same
  • FinCEN and DOJ guidance – from the Cole memo to more recent guidance
  • Completing SARs for cannabis activities
  • Various federal legislation proposed over the years, and how it might impact future legalization
  • Hemp guidance from the agencies
  • USDA rules of hemp production
  • How all this impacts your institution and important decisions to make”

Who Should Attend
This webinar is intended to anyone involved in the complicated decision to participate in the rapidly-growing cannabis industry. From Boards of directors to executive management, to compliance and risk professionals to attorneys, anyone seeking the current state of affairs on the legalization of cannabis banking activities will benefit from this session.

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 $279

  • Available Upgrades:
    • 12 Months OnDemand Playback + $110
    • 12 Months OnDemand Playback + CD + $140
    • Additional Live Access + $75 per person

Retention and management of records is more complicated than just deciding what to keep and for how long. In what form should records be kept? Should we keep more than what the regulations require? If so, what? What about possible litigation needs? Examiner expectations must be met, of course, but other parties, such as law enforcement, auditors, and of course your customers, to name just a few, may require access to information, as well.

To manage an effective program in a cost-effective manner, compliance professionals must rely on information from a broad range of resources within the organization. Records management is the point of convergence of these resources, which is why effective and reliable records management must be part of your Compliance Program.

What You’ll Learn

  • Types of information that constitutes a record that we should retain
  • Retention requirements
  • Best practices we can follow
  • How to set up or enhance bank’s records management program
  • Risks involved in records retention
  • What an effective and comprehensive program looks like
  • How the program should be organized- a taxonomy hierarchy
  • Litigation needs — how does this process factor in
  • Destruction of records and information — when and how should this be done
  • This will be an interactive session with several opportunities for questions and answers, so come prepared to discuss your needs and issues.

Who Should Attend
Anyone involved in the creation, management, and destruction of information and records will benefit from the knowledge and information shared in this session, including compliance officers, auditors, information security and management, IT personnel, senior management, bank counsel, operations, privacy, and others with a vested interest to ensure a cost-effective and comprehensive records management program.

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 $279

  • Available Upgrades:
    • 12 Months OnDemand Playback + $110
    • 12 Months OnDemand Playback + CD + $140
    • Additional Live Access + $75 per person

TDR accounting was impacted by the temporary pandemic provisions.

Now that those provisions have expired, loan delinquencies and charge-offs may increase. Will borrowers be asking for loan modifications to get through this next economic cycle? What if their credit is improving? How does CECL come into play? Learn more about accounting for TDRs in this changing environment.

After This Webinar You’ll Be Able To:

  • Apply the proper accounting for the progression of a TDR from initial designation through removal from TDR listing
  • Measure TDR impairments
  • Draft financial statement disclosures related to TDRs
  • Implement policy and procedure modifications to add or remove the TDR designation
  • Understand the impact on TDR accounting of recent accounting developments and CECL adoption

Webinar Details
We are emerging from an extended period of low delinquencies and high borrower liquidity. This webinar will prepare you for addressing troubled debt restructuring (TDR) accounting, including regulatory guidance that allows moving TDRs from the impaired loan portion of the allowance for loan losses (ALLL) to the general reserve. It will also address how TDR accounting has been affected by recent accounting developments and the impact of CECL adoption on the process.

Who Should Attend?
This informative session is best suited for accounting staff and loan personnel who deal with TDR designation, monitoring, and financial reporting.

Take-Away Toolkit

  • Sample TDR checklist
  • Sample policy modification language
  • 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 Bio

Todd A. Sprang, CPA – CLA
Todd Sprang
is one of CLA’s leading financial institution service providers. He has over eleven years of upper management and principal-level experience performing audit and consulting services for the financial services industry. Sprang has extensive experience assisting with initial FDICIA and SOX compliance and satisfaction of audit and compliance requirements of non-supervised and supervised mortgagees. He has performed many non-audit engagements, including providing merger and acquisition assistance, developing and performing risk assessments, and leading co-sourced and outsourced risk-based internal audit engagements.

Sprang holds a bachelor’s in accounting and marketing from the University of Wisconsin–Madison. He is a member of the AICPA Depository Institutions Expert Panel and the Illinois Certified Public Accountants Society.

Registration Options

  • $245 – Live Webinar Access
  • $245 – OnDemand Access + Digital Download
  • $350 – Both Live & On-Demand Access + Digital Download

Customers and clients are getting letters and substantial bills from the IRS saying they owe taxes on money that was moved from one financial institution to another and one of the banks did not report the transaction correctly to the IRS. It is not rocket science. It is a 3-piece puzzle with questions that must be asked and answered:

  • What kind of plan is it coming from?
  • What kind of plan is it going into?
  • Does the customer have the ability to use the funds in between?
  • Once you truly get the answers to these questions, the reporting of the movement of funds defaults according to the IRS regulation.

What You’ll Learn

  • Difference between an IRA Rollover and a QP Rollover
  • 60-day rule and once-per-12-month rule
  • Difference between and IRA rollover and an IRA transfer from IRA to IRA
  • Difference between a ‘Recharacterization’ and a ‘Roth Conversion’
  • Rules governing rollovers and transfers after the owner reaches age 72
  • How non-spouse beneficiaries move money between retirement plans

Who Should Attend
Every employee who is responsible for processing IRA deposits received by the bank. Operations department, call center, CSRs and anyone else responsible for answering customer’s questions regarding movement of retirement funds.

Instructor Bio

Patrice M. Konarik is president of Sunwest Training Corp. founded over 25 years ago and is located in the Texas Hill Country near San Antonio, TX. With over 35 years in the financial industry, Konarik has focused her expertise on the retirement account area and is currently providing live training and webinars on IRAs and Health Savings Accounts on a nationwide basis. She has a BS in Management Science from New York’s Binghamton University. Many state banking associations and other organizations use her as their main source for training on these complicated topics.

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 + $75 per person

Your institution is at a disadvantage if you don’t understand the special rules regarding collateral. Make it a priority to understand how to properly take priority over another creditor with Part 2 of this two-part series.

After This Webinar You’ll Be Able To:

  • Explain how your institution can obtain priority over an existing perfected creditor
  • Define the specific steps and timeframes that must be satisfied under UCC Article 9 to qualify for a priority purchase money security interest
  • Understand the special rules for different types of collateral
  • Identify the situations when your institution must give prior notice to existing creditors
  • Fight back against another creditor that claims a purchase money security interest over your existing perfected security interest

Don’t miss out on part 1!

Webinar Details
Part 2 of this two-part series will explain how your institution can obtain a priority purchase money security interest even though another secured party already holds an existing perfected security interest in the collateral. UCC Article 9 details the steps that must be taken and the timing that must be satisfied to obtain priority over an existing perfected creditor and the steps and time periods differ depending on the type of collateral. Don’t operate at a disadvantage by not understanding these special rules! Join us for a deep dive into purchase money security interests.

Who Should Attend?
This informative session will benefit everyone involved in the credit process, including loan operations personnel, loan officers, underwriting staff, compliance personnel, auditors, attorneys, and managers.

Take-Away Toolkit

  • Checklist of procedures to obtain priority purchase money security interest (covering all different collateral types)
  • Form of notice to be sent to existing secured parties
  • 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 Bio

Elizabeth Fast JD, CPA – Spencer Fane LLP
Elizabeth Fast is a partner with Spencer Fane Britt & Browne 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

  • $245 – Live Webinar Access
  • $245 – OnDemand Access + Digital Download
  • $350 – Both Live & On-Demand Access + Digital Download

In this 2-hour IRA Audit webinar, you will learn that incomplete or incorrect IRA paperwork may be a red flag for bank auditors. Whether you are scanning and imaging your IRA documents, or placing copies in a paper folder, now is the time — while the client is alive — to make sure you have everything you need and get rid of what you don’t.

Since IRAs have had some of the most major changes of any bank product in the last couple of years, updated training is one of the key elements of maintaining proper procedures and making sure the IRS reporting is correct to match what the client is reporting on their own taxes. Samples of audit worksheets will be provided in Word format.

What You’ll Learn

  • Proper documentation to open, close, move, and maintain an IRA
  • Record retention of closed IRA files
  • How to review IRA procedures and documentation flow
  • Checking the IRA transactions for proper coding and reporting
  • Reports generated by your system to review IRS reporting before it is submitted
  • How to correct mistakes found in the IRA Audit
  • 25 of the most common mistakes found during an IRA audit
  • Different types of IRA audits

Who Should Attend
Anyone who is in charge of checking IRA transactions and files, and is responsible for making sure the IRS reporting is correct, as well as internal auditors checking bank IRA files should attend. Also, anyone who is responsible for checking newly attained IRA files due to a bank merger would greatly benefit from attending this informative Webinar.

Instructor Bio
Patrice M. Konarik is president of Sunwest Training Corp. founded over 25 years ago and is located in the Texas Hill Country near San Antonio, TX. With over 35 years in the financial industry, Konarik has focused her expertise on the retirement account area and is currently providing live training and Webinars on IRAs and Health Savings Accounts on a nationwide basis. She has a BS in Management Science from New York’s Binghamton University. Many state banking associations and other organizations use her as their main source for training on these complicated topics.

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 + $75 per person

What circumstances allow for a revised Loan Estimate? Do you understand the timing and documentation requirements? What about tolerance levels, testing, and resetting? Join us to learn how to identify a legitimate TRID changed circumstance and keep your institution in compliance.

After This Webinar You’ll Be Able To:

  • Recognize valid changed circumstances which permit issuance of a revised Loan Estimate
  • Identify when a revised Loan Estimate must be issued
  • Distinguish when a revised disclosure was made for information purposes
  • Explain the timing requirements associated with a valid changed circumstance
  • Develop documentation to justify resetting baselines for tolerance testing
  • Determine the fees impacted as a result of the changed circumstance

Webinar Details
There is change in every aspect of life and the mortgage loan process is no exception. Changes happen for a variety of reasons, whether initiated by the borrower or when information relied upon by the lender changes or was inaccurate. Your institution must be prepared to recognize opportunities to issue a revised Loan Estimate that enables critical tolerance levels to be reset.

This webinar will dive into what constitutes valid TRID changed circumstances and how to issue a revised Loan Estimate in a timely manner. Loan file documentation is critical to support the reason for the change and to clearly identify the fees that were directly impacted to reset tolerance levels. This webinar is designed to ensure you are prepared to capture opportunities to issue revised Loan Estimates and properly support your institution’s response to a change.

Who Should Attend?
This informative session is designed for mortgage lenders, loan processors, loan review staff, auditors, and compliance officers.

Take-Away Toolkit

  • Sample changed circumstance form
  • Tolerance fee category example chart
  • 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 Bio

Molly Stull – Brode Consulting Services, Inc.
Molly Stull began her career as a teller while working on her undergraduate degree and has continued working in the financial industry ever since. She has experienced the growth of a hometown bank, branch mergers, charter changes, name changes, etc. Stull has activated business resumption plans, performed secondary market quality control reviews, processed wires, filed SARs, and coordinated reviews with external auditors and examiners. Her favorite role has always been educating staff and strongly believes that if staff understands the reason for a process they will be more compelled to follow the procedures. Stull holds a bachelor’s from the University of Akron and an MBA from Ashland University.

Registration Options

  • $245 – Live Webinar Access
  • $245 – OnDemand Access + Digital Download
  • $350 – Both Live & On-Demand Access + Digital Download

Collectors beware. With increased volume and consumer desperation comes increased risk from the collections function. Understanding recent litigation, the CFPB guidance on “junk” fees, and the sources of common collections mistakes is necessary to successfully manage collections risk. Don’t miss this lively, jam-packed webinar.

After This Webinar You’ll Be Able To:

  • Break down the definition of debt collector under the Fair Debt Collection Practices Act
  • Appreciate recent guidance and court rulings related to “pay to pay” or junk fees
  • Distinguish between allowable collection fees and forbidden fees
  • Perform a collections inventory and risk assessment
  • Maximize recoveries and avoid unnecessary compliance risk in collections

Webinar Details
What collector wouldn’t like to take a payment over the phone or get agreement on an electronic payment? And what institution would turn down the opportunity to charge a fee on a transaction that reduces delinquency? Unfortunately, these two areas of continuing concern for financial institutions are now the source of increasing risk. Recent developments have made it clear there is a storm brewing on both fronts and the limits on the definition of a debt collector under the FDCPA may be under attack, too! These are not easy days for collections or compliance professionals. Complaints, regulatory penalties, and class action litigation continue to negatively impact the ability to collect on delinquent loans. Now the CFPB has issued an advisory opinion affirming that federal law often prohibits debt collectors from charging “pay-to-pay” fees under the FDCPA and other federal rules. These charges, commonly described by debt collectors as “convenience fees”, are imposed on borrowers who want to make a payment in a particular way, such as online or by phone. Unfortunately, recent class action litigation has also scored a direct hit on so-called “junk fees.”

An effective collection process must include sound methods for communicating with borrowers, resolving the delinquency, recovering collateral on defaulted loans, and doing all of this while complying with an increasing variety of state and federal laws, rules, and regulations. Join collections veteran and regulatory compliance attorney, David Reed, as he details the steps to fully comply with recent guidance, while still maintaining an effective collections function.

Who Should Attend?
This session is designed for executives, internal auditors, lending staff, collections managers, collectors, compliance officers, and anyone involved in the collections and payment process.

Take-Away Toolkit

  • Regulatory guidance
  • Sample collections inventory
  • Sample collections risk assessment
  • 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 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

  • $245 – Live Webinar Access
  • $245 – OnDemand Access + Digital Download
  • $350 – Both Live & On-Demand Access + Digital Download