Events

We are currently seeing a rapid shift in the way financial institutions interact with their customers to a more remote, online delivery model. Not that these capabilities haven’t always been present, but much more business is conducted remotely now than ever before, which is a trend we can expect to continue. What are the requirements to keep in mind when conducting business in this fashion?

As well, what challenges exist? For starters, there are Bank Secrecy Act issues when opening accounts and maintaining relationships with customers who are never seen. The rise in electronic transactions mean increased attention to Regulation E compliance, for example, especially when it comes to handling disputes (which are expected to increase in number). The provisions of the E-SIGN Act must be followed to the letter as well. These are but a few examples of the many compliance issues at play in a remote environment. In this webinar we’ll discuss these many requirements and provide you with a comprehensive grasp of the issues involved.

Covered Topics

  • E-SIGN issues and requirements – what can we provide electronically and when?
  • Reg. E issues, including disputes – making sure you understand the rules
  • Identifying customers under BSA and beneficial owner requirements, as well as OFAC
  • Credit card disputes under Reg. Z
  • Handling the loan application and closing process remotely
  • Handling complaints
  • Online communication through email and social media – regulatory guidance
  • Advertising issues – reaching remote customers, including opt-out rights
  • Fair lending issues, including digital redlining
  • Privacy and information security issues

Who Should Attend
Anyone at the institution that deals with customers in a non-in person environment, including over the phone and/or electronically. Customer service representatives, loan officers, compliance professionals, auditors, legal staff, and management are but a few of the types of banks who would benefit from the information.

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, DC. 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

Is Russia at your front door? The Treasury’s recent publication of National Risk Assessments plus FinCEN’s alerts regarding the Ukraine crisis all impact your BSA and OFAC procedures. Attend this webinar to ensure you’re up to date and in compliance.

After This Webinar You’ll be Able To:

  • Update your BSA risk assessment to account for the U.S.’s new priorities
  • Understand the two alerts sent by FinCEN and how they affect the priorities
  • File a SAR when needed on Russian oligarchs and companies
  • Block and reject transactions when required
  • Update your OFAC and BSA procedures

Webinar Details

In March 2022, the U.S. Department of the Treasury published National Risk Assessments (NRAs) on Money Laundering (NMLRA), Terrorist Financing (NTFRA), and Proliferation Financing (NPFRA). These NRAs highlight the most significant illicit finance threats, vulnerabilities, and risks facing the United States. They take into account changes to the risk environment resulting from the COVID-19 pandemic, ransomware, domestic violent extremism, corruption, the increased digitization of payments and financial services, and the enactment of significant new requirements to the U.S. anti-money laundering/countering the financing of terrorism (AML/CFT) framework.

Also, FinCEN issued two alerts this spring regarding BSA response to the Ukraine crisis. This webinar will provide a good update on the new NRAs and how the Ukraine situation highlights some of the risk assessment issues. You can use this session to update your BSA and OFAC programs for the current risk and understand how it all applies to Russia.

Who Should Attend?

This informative session is designed for BSA officers, BSA staff, OFAC officers, compliance staff, risk management personnel, and operations staff.

Take-Away Toolkit

  • OFAC handbook of all sanctions
  • Copy of the three National Risk Assessments
  • 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

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

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

Your financial institution is full of customers who require many types of services. The BSA exam identifies many services and customers as high-risk for money laundering. We will cover the high-risk customers and services listed in the BSA exam manual and begin to see their impact on our AML program. We will look at what makes a customer or service high risk. What extra due diligence is required when the customer is high risk? And can the high-risk customers and services impact your bank’s BSA risk rating?

Covered Topics

  • Nonresident Aliens and Foreign Individuals (NRA)
  • Politically Exposed Persons (PEP)
  • Embassy and Foreign Consulate Accounts
  • Nonbank Financial Institutions and MSBs
  • Professional Service Providers
  • Nongovernmental Organizations and Charities
  • Cash Intensive Business
  • Bulk Shipments of Currency
  • Electronic Banking
  • Funds Transfers
  • ACH
  • Electronic Cash
  • Monetary Instruments
  • Cannabis related businesses (MRBS and HRP)
  • Third Party Payment Processors (TPPPs)

Who Should Attend
This webinar is designed for BSA Officers, BSA Coordinators, Compliance Officers, and Security Officers.

Instructor Bio
Deborah Crawford is the president of Gettechnical Inc., a Virginia 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 30+ years of combined teaching and banking experience.

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

During the webinar you will review line-by-line the text fields and requirements to complete the SAR. There are fields for cybercrimes, notes to FinCEN and narrative instructions. You will receive highlighted screen shots showing you how to complete and a SAR Handbook to help with timing, referral forms and other tools to help with your SAR filings.

Covered Topics

  • How to complete the note to FinCEN
  • What is an advisory or GTO form
  • Cyber crimes
  • Human smuggling and human trafficking
  • Line-by-line review of all instructions
  • Copy of Form and instructions
  • Referral forms for staff, excel spreadsheet of all advisories and mortgages
  • How to complete a narrative
  • Who Should Attend
  • BSA Officers, BSA Support personnel, Deposit Operations, Compliance Officer, Branch Operations.

Instructor Bio
Deborah Crawford is the president of Gettechnical Inc., a Virginia 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 30+ years of combined teaching and banking experience.

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

Originally, you wrote your CIP in 2003. Is it time to change? If you have any of the questions below, we will explore changing your CIP in light of new systems, processes and technology in 2021. Your program should shift with the new technologies and identifications in the market place. This program will look line-by-line at the regulation and point out avenues of change to explore in 2022.

What does it mean to “know” your account holder? When do we have to ask purpose, source and anticipated volume questions? How can we enforce compliance with our program in our institutions? These questions are hard ones and the pending legislation on CDD doesn’t help. This program will evaluate CDD and EDD regulation, exam guidance and provide thoughts on how to proceed with a program that is sales friendly to the account holder. We look at the regulation line-by-line and what to expect with these changes.

Covered Topics

  • Line by line look at the regulation on Customer Identification Programs
  • What Information must be obtained before an account is opened
  • Required Documentary and non-documentary verification
  • Should we add more types of identification? What types are available?
  • Do we keep CIP up to date?
  • How should we address online banking?
  • Is non-documentary verification enough?
  • Can we back off from our CIP of 2003 now that we have more systems in place?
  • Examination expectations on Customer Due Diligence
  • Keeping customer records up to date
  • Anticipating transactions and activities
  • Enhanced due diligence on high-risk customers
  • Developing the questionnaire
  • On-going during the relationship
  • When should we close a relationship? And how do we close?
  • What regulatory concerns do we have?
  • Working with sales and not against them
  • A look at CDD rules—beneficial owners, controlling person, and the form
  • Renewals, IOLTAs, Trusts, and Multi-tiered business ownership

Who Should Attend
This webinar will benefit BSA Officers, BSA Support personnel, Deposit Operations, Compliance Officer and Training.

Instructor Bio
Deborah Crawford is the president of Gettechnical Inc., a Virginia 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 30+ years of combined teaching and banking experience.

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

During this program we will cover many teller regulatory and compliance issues. We will look at your signature contract, state and federal rules regarding the handling of checks. You will review some fundamentals but move towards the more advanced check issues involving fiduciaries, scams, and holds. Annual required training on both BSA and Regulation CC.

Covered Topics

  • Endorsements—Business, Personal and Fiduciary
  • When do we know a customer is deceased and what to do with the checks afterward
  • What do we do with “or and and” checks
  • What to do when the amounts don’t match on a check
  • What to do when the customer wants you to cash a check made payable to the bank
  • Legal Issues — Postdated, Stale dated, Stop Payments On Checks
  • Check Scams
  • How and When to Place Holds — Regulation CC
  • How to hold a cashier’s check
  • How to hold a treasury check
  • How to hold corresponding funds when cashing a check
  • Security features on Treasury Checks and Postal Money Orders
  • Breaking down the signature card — who can do what
  • Working with POAs, Representative Payees, Trustees, Executors
  • Handling Checks for fiduciaries
  • How money moves and time frames
  • BSA Staff training

Who Should Attend
Tellers, Head Tellers, Branch Staff, Customer Service Representatives, and Branch Managers.

Instructor Bio
Deborah Crawford is the president of Gettechnical Inc., a Virginia 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 30+ years of combined teaching and banking experience.

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

3 National Risk Assessments Released

What do you need to know and do?

The U.S. Department of the Treasury on March 1, 2022 issued the 2022 National Risk Assessments (NRAs) on Money Laundering (NMLRA), Terrorist Financing (NTFRA) and Proliferation Financing (NPFRA). These documents highlight the most significant illicit finance threats, vulnerabilities, and risks facing the United States. The United States is vulnerable to all three forms of illicit finance because of the size and sophistication of the U.S. financial system and centrality of the U.S. dollar in the payment infrastructure of global trade.

These NRAs are the third iteration of the NMLRA and NTFRA since 2015 and second for NPFRA since 2018. They take into account changes to the illicit finance risk environment resulting from the COVID-19 pandemic, ransomware, domestic violent extremism, corruption; the increased digitization of payments and financial services; and the enactment of significant new requirements to the U.S. anti-money laundering/countering the financing of terrorism (AML/CFT) framework. The NRAs are an important resource that the public and private sectors can use to understand the current illicit finance environment and inform their own risk mitigation strategies.

What do you need to know and do about these risk assessments? How do you incorporate them into your ML/TF program for BSA?

Covered Topics

  • National Risk Assessment on Money Laundering
  • National Terrorist Financing Risk Assessment
  • National Proliferation Financing Risk Assessment
  • Action Steps to take for your risk assessment, internal controls and training

Who Should Attend
BSA Officers, BSA Staff, Risk Management, Compliance, Deposit Operations, Training.

Instructor Bio
Deborah Crawford is the president of Gettechnical Inc., a Virginia 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 30+ years of combined teaching and banking experience.

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’s 2022 and may be time to update your policy and procedures for BSA. We introduced the fifth pillar and beneficial ownership in 2018. So where are you now? Do you need to add cannabis? Add the new CTR Changes? Examiners continue to criticize risk assessments, policy and procedures connections. Learn how to use the regulation and exam manual to really massage your program. What do you need to add, take out or revamp in BSA? Learn during this program.

Covered Topics

  • Risk connection to policy and procedures
  • What is a policy, procedure and process
  • Writing the policy what can you use?
  • Looking for common holes in your policy
  • Use the regulation and exam manual to fill those gaps
  • A to Z on the policy and what should be in it.
  • Add cannabis to your policy
  • Changes in CTRs
  • What you will receive: Policy checklist

Who Should Attend
BSA officers and staff, compliance, risk management, training.

Instructor Bio
Deborah Crawford is the president of Gettechnical Inc., a Virginia 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 30+ years of combined teaching and banking experience.

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

Commercial accounts require special and ongoing attention — especially in the BSA realm.

Does your program satisfy all the CDD and beneficial ownership requirements for business accounts? Do you know what’s on the horizon? Don’t get caught short during your next BSA exam.

After this webinar you will be able to:

  • Discuss this overview of BSA laws and penalties
  • Manage due diligence requirements
  • Identify and track beneficial ownership
  • Understand FinCEN’s proposed beneficial ownership reporting rule
  • Employ available BSA resources

Webinar Details
Commercial services offer many unique opportunities. From increased community involvement to increased fee income, there’s potential to make a positive impact on the community and bottom line. But with massive penalties being imposed for BSA violations, now is not the time to conduct business as usual. Gone are the days when proper account access was your only concern. Heightened customer due diligence requirements, combined with increased regulatory focus on business accounts used in criminal activity, have dramatically changed BSA obligations.

Bank Secrecy Act compliance continues to be a high regulatory examination target and one that should receive extensive time and attention. The Financial Crimes Enforcement Network (FinCEN) has even proposed a new rule to further focus on commercial accounts and limit their use in hiding nefarious activity. Do you understand the potential impact to your institution? This webinar will review the entire business account process from account opening and monitoring to beneficial ownership, and will highlight the potential landmines.

Who Should Attend?
This informative session is designed for BSA officers, senior executives, directors, compliance personnel, audit staff, security officers, and anyone involved with the BSA program.

Take-Away Toolkit

  • Beneficial ownership checklist
  • Key regulatory guidance
  • Examination 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.

Presenter
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
This program is an A-Z on account ownership and documentation. We will go from single party accounts to the more complex type of business accounts. It is a must for anyone who opens or manages the new account functions. Your financial institution’s signature card, documentation and authority procedures can create big liability when you do not understand the type of ownership and the checks that go with these accounts.

Covered Topics

  • How to open and document personal accounts, fiduciary accounts and business accounts
  • How setting up accounts improperly can create liability for your financial institution
  • Creating consistency in your organization on how accounts are opened
  • Signature Card danger zones and what can go wrong
  • How CIF systems can create errors in ownership and signature card conflicts
  • How to add owners, make changes and other issues after the account is opened
  • How to following the authority trail established in the paperwork
  • What can attorney-in-facts do and not do on individual accounts
  • How to change business accounts signers and owners
  • And much, much more…

Who Should Attend
This webinar will benefit new accounts representatives, call service representatives, branch managers, assistant branch managers, branch administration, personal bankers, universal bankers, financial service representatives deposit operations, BSA CIP personnel, training, and anyone who works with or manages the new account function.

Instructor Bio
Deborah Crawford is the President of Gettechnical Inc., a Virginia 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 30+ years of combined teaching and banking experience.

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