Events

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FCRA Compliance: E-Oscar and Metro2

The Fair Credit Reporting Act (FCRA), like many consumer protection statutes represents a unique challenge for creditors and other data furnishers of consumer credit information. Although the language of the FCRA has not substantially changed over the years, the interpretation and enforcement of it has drastically changed in the last 10 years and navigating through those changes can be daunting.

During this informative ninety (90) minute webinar the basics of proper credit reporting will be discussed along with a more in-depth conversation regarding specific pitfalls and challenges that creditors and other data furnishers encounter. You will learn how to navigate these challenges by ensuring that proper policies and procedures are in place to ensure compliance with current CFPB directives in addition to recent changes instituted as a result of the Covid-19 legislation.

Covered Topics

  • FCRA Definitions and Key Terms
  • Reporting Requirements of the FCRA
  • Types of credit reporting disputes
  • Responding to disputes through e-Oscar and Metro 2
  • Responding to Direct Consumer Disputes
  • The Role of the CFPB in Credit Reporting
  • Recent CFPB Rulings and Interpretations
  • Recent FCRA case law
  • Impacts of Covid-19 on credit reporting
  • Compliance tips

Who Should Attend?
Anyone who is involved in day to day credit reporting along with decision makers tasked with ensuring rigorous policies and procedures are in place and being complied with.

Presenter
Matthew D. Urban, is a Shareholder who manages the Pittsburgh Local Law Office and oversees credit union work across Pennsylvania. In addition he practices in the area of Consumer Collections, focusing on a wide variety of collection and compliance matters. Matt regularly speaks on issues such as FCRA compliance and the proper handling of writs of executions. Matt earned a B.A. magna cum laude in History from West Virginia University in 2000, and a J.D. from Duquesne University School of Law in 2003. He is licensed in Pennsylvania and is admitted to practice before the U.S. District Court for the Western and Middle Districts of Pennsylvania. He serves on the Board of Directors for the Pennsylvania Creditors’ Bar Association.

Registration Options
Live Plus Five (days) – $265
OnDemand Recording – $295
CD-ROM – $345
Live Plus Six (months) – $365
Premier Package – $395

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Completing the SAR Line-by-Line

Whether you file one suspicious activity report (SAR) or hundreds of them, proper completion and timely submission are critically important to the protection of the US (and global) financial system from the abuses of financial crime, including money laundering, terrorist financing, and other illicit financial transactions. SAR reports provide crucial information about persons and activities to law enforcement, agencies, and analysts that pursue criminal, tax, and regulatory investigations, and provide useful evidence for prosecuting money laundering and other financial crimes.

Attendance certificate provided to self-report CE credits.

AFTER THIS WEBINAR YOU’LL BE ABLE TO:
Use the User Guide information for proper form completion
Define the various SAR-related parties – filing institution, branch location, subject, victim, and others
Explain the proper use of the file attachment for supporting data/transactions
Distinguish between required fields and other fields to be completed if the information is available
Understand the importance of well-written SAR narrative

WHO SHOULD ATTEND?
This informative session is directed to BSA officers and departments, compliance officers, fraud and risk managers, auditors, and other employees who contribute to completing SARs, such as branch managers and wire, EFT, or plastic card departments.

TAKE-AWAY TOOLKIT
User guide summary
SAR narrative guidance
FinCEN filing note listing
Employee training log
Interactive quiz

PRESENTER – Mary-Lou Heighes, Compliance Plus, Inc.
Mary-Lou Heighes is President and founder of Compliance Plus, Inc., which has assisted financial institutions with the development of compliance programs since 2000. She provides compliance training for trade associations and financial institutions. Mary-Lou has been an instructor at regulatory compliance schools, conducts dozens of webinars, and speaks at numerous conferences throughout the country.

Involved with financial institutions since 1989, Mary-Lou has over 25 years’ compliance experience. Before starting Compliance Plus in 2000, she spent five years working as a loan officer, marketer, and collector. She also worked at a state trade association for seven years providing compliance assistance and advising on state and federal legislative issues that affect financial institutions.

REGISTRATION OPTIONS
Live Webinar Access – $245
On-Demand Access + Digital Download _ $245
Both Live & On-Demand Access + Digital Download – $350

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Quarterly Compliance Briefing: Winter 2021

Keeping up with changes and deadlines in the compliance area gets more complex every year. Now, we can assist you with that task.

Carl Pry, a well known and highly respected compliance expert and recipient of the 2015 ABA Distinguished Service Award will be presenting a quarterly update that will address new items to be aware of, deadlines and what’s on the horizon. In a simple language webinar format that you can view from your office, Carl will make sure you have the information you need to keep your financial institution in compliance.

Attendees love the handouts that Carl provides each quarter including links to all relevant source documents and resources.

The “Quarterly Compliance Briefing: Winter 2021” webinar has been approved for 2.5 CRCM credits. This statement is not an endorsement of this program or its sponsor. Credits are redeemable for Live attendance only. Certification holders must report these credits at https://aba.csod.com.

Covered Topics
Covered topics coming soon.

This is Part IV of a four-part series. You can attend all the sessions to obtain the most comprehensive information or any part in the series independently.

Who Should Attend?
Anyone in the institution having compliance responsibilities – when you think about this, it could be just about anyone in the institution. This may include members of senior management, operations personnel, lending personnel, underwriters, customer service representatives, back-room personnel, and of course compliance officers, auditors, and attorneys, and anyone else in the institution that might benefit from this valuable information.

Presenter
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 Plus Five (days) – $265
OnDemand Recording – $295
CD-ROM – $345
Live Plus Six (months) – $365
Premier Package – $395

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Deposit Regulation Update

We will cover all the 2021 changes to deposit accounts and recap what needs to be done this year.

We will also look at the status of pending legislation and continuing challenges facing the deposit side of the financial institution. Regulation D, E, CC, DD and the hot topics that surround these regulations. What are the new supervisory issues, FDIC insurance issues, exam hot spots and everything that deposit compliance officers need to do their jobs in 2021. This catch-all program will be helpful to make sure we have not missed anything so far in 2021. Checklists and summaries will help you manage these complex areas affecting our customers.

Covered Topics
Savings Account
Regulation CC
FFIEC BSA Exam Manual Changes
CTR Changes delayed but still worth looking at
SECURE ACT and CARES Act on IRAs
Nonresident alien interest reporting rules
Safe Banking Act and the Illicit Cash Act–Status
Overdraft Programs
Sweep Accounts
UDAAP
2021 Sanctions and lessons learned
Marijuana Update
Handling time deposits—renewals, partial withdrawals
Who needs a NOW account when we have interest-bearing DDA
Error Resolution
Deceased Accounts
Tax reporting, B Notices and penalties
And So much more

Who Should Attend?
This program is designed for deposit operations, deposit compliance, branch administration, bookkeeping, account services and those who run the operations side of the bank.

Presenter
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 Plus Five (days) – $265
OnDemand Recording – $295
CD-ROM – $345
Live Plus Six (months) – $365
Premier Package – $395

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BSA Year End Round Up

Your year end BSA wrap up will feature all areas of interest for BSA Officers as we close out one year and begin another.

What is new and what is pending? This program will bring 2021 into focus for those of you managing BSA and all its parts.

Covered Topics
Beneficial Ownership Update
Crimes in 2021 and Advisories
SAR Decision Making
CTR changes pending
Wrapping up the year
Risk Assessments, Audits and Training
Online account opening verification procedures
Who Should Attend?
BSA Officers, BSA Staff, Deposit Operations, Compliance and Branch Staff.

Presenter
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 Plus Five (days) – $265
OnDemand Recording – $295
CD-ROM – $345
Live Plus Six (months) – $365
Premier Package – $395

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Handling Legal Documents – POAs, Trusts, Estates and Guardianships

Risk? Are taking court orders, power of attorneys, and other documents too much risk?

During this program we will look at the high risk involved in fiduciary accounts and the legal documents that come with them. From guardianships to power of attorneys, we will look at the key players, who can do what, and whether you can refuse the account. Learn how to open these high-level accounts and how to look at the paperwork and involve legal counsel. Some institutions send all paperwork to legal counsel, but many do a first look-see and then send it to legal when it involves complications. Learn how your procedures may be exposing your institution to risk on these special accounts.

Covered Topics
Power of attorney documents-key components, players, state rules
What can an agent do or not do on a POA?
Living trusts, charitable trusts and pension trust documents
Guardianships and Conservatorship Accounts court orders and
Other fiduciary arrangements—UTMAs, Social Security and VA Accounts
Estates, Small Estates and rights at death.
General rules of what fiduciaries can and cannot do

What you will receive:
New Account Handbook on set up procedures

Who Should Attend?
New Accounts, Branch Managers, Loan Officers, Bank Management, Deposit Operations, Deposit Compliance, Branch Administration, BSA Officer, BSA staff, Compliance Officers, Training and others who open accounts.

Presenter
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 Plus Five (days) – $265
OnDemand Recording – $295
CD-ROM – $345
Live Plus Six (months) – $365
Premier Package – $395

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Opening Multi-Tiered Business Accounts

Onions. The more you peel, the more layers there are. That’s how multi-tiered business accounts can be. This webinar will take a trip through a wide variety of scenarios to explain what is needed to open these accounts, how they should be structured, and how to run CIP on complex relationships.

AFTER THIS WEBINAR YOU’LL BE ABLE TO:
Walk through the scenarios before you receive Letters Testamentary
Run CIP on complex business relationships
Understand and complete beneficial ownership
Track the authority requirements for multi-tiers on business accounts
Have a systematic approach to all business accounts

WEBINAR DETAILS
This fast-paced program on multi-tiered business accounts will address the following scenarios:

A trust as the owner of a sole proprietorship
Sole proprietorships with multiple DBAs
Corporations and LLCs with DBAs
LLCs whose members are businesses and trusts
Partnerships whose partners are businesses
It will also cover other scenarios to teach you how to build a methodology for approaching complex relationships that have multiple tiers – and perhaps in multiple states.

Attendance certificate provided to self-report CE credits.

WHO SHOULD ATTEND?
This thorough webinar will benefit deposit compliance and operations staff, BSA personnel, loan officers, branch managers, new accounts staff, trainers, and anyone who opens business accounts.

TAKE-AWAY TOOLKIT
New account handbook
Employee training log
Interactive quiz

PRESENTER – Deborah Crawford, Gettechnical Inc.

Deborah Crawford is the President of Gettechnical Inc., a Baton Rouge-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.

Debbie 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
Live Webinar Access – $245
On-Demand Access + Digital Download – $245
Both Live & On-Demand Access + Digital Download – $320

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Finding Lost Borrowers: The New World of Skip Tracing

Things are beginning to heat up again in the financial industry and it’s time to get in touch with past-due borrowers again. The good news is that this is an opportunity for a fresh start at establishing a positive relationship. The bad news? You may not be able to find many of them. Between address changes, job changes, phone service changes, and other life shifts, your prior communication methods may not work.

It is well-known within collections that there are two types of skips: those that can’t be found and those that don’t want to be found. Do you know the difference? How much time do you spend trying to locate past-due borrowers? What if there was a way to reduce the time and frustration of skip tracing and increase the accuracy of your efforts? This timely webinar is just the ticket! It will offer innovative guidance and resources to help uncover lost borrowers and open up more recovery opportunities. It will address maximizing in-house efforts, using the latest technology, uncovering hidden location assets, and leveraging third-party resources. Join presenter David Reed (attorney, Certified Fraud Examiner, and collections veteran) as he examines the latest tips, tricks, and landmines in skip tracing.

Attendance certificate provided to self-report CE credits.

AFTER THIS WEBINAR YOU’LL BE ABLE TO:
Create a better method of skip tracing
Maximize in-house information gathering
Identify privacy issues and landmines
Deal with and contact friends, family, and ex-spouses
Access hidden internet resources
Handle and discuss private detectives, repo ninjas, and other dark secrets
Use subscription service gems

WHO SHOULD ATTEND?
This insightful webinar will benefit collections managers, collections staff, BSA and security staff, skip tracers, collateral specialists, asset recovery specialists, and anyone wanting to increase their skip-tracing skills.

TAKE-AWAY TOOLKIT
Skip tracing checklist
Inventory of current skip tracing resources
Employee training log
Interactive quiz

ABOUT THE PRESENTER – David A. Reed, JD Reed & Jolly, PLLC
Attorney, author, consultant, and nationally-recognized speaker, 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, David 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
Live Webinar Access – $245
On-Demand Access + Digital Download – $245
Both Live & On-Demand Access + Digital Download – $320

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BSA and OFAC Hot Topics 2021

2021 brings many BSA issues that can keep you up at night! From COVID Crimes and SARs to planning your Hemp policy, there are many twists and turns for 2021. This program brings many “Have you thought about it?” items on your list of things to do for 2021. COVID has changed customer transactions in ways we are just beginning to understand. What will it do to your risk assessment, your exemptions, your Customer Identification Program and beneficial ownership? Its time to begin to think about the long-term impact on your program and the short-term compliance issues.

Covered Topics
SARs and COVID
Transaction Monitoring gone awry–not sure anybody’s baseline will be normal
CTRs new rules still creating havoc
CTR Phase II Exemptions—will there be any?
Common Errors on Beneficial Ownership
Hemp Rules and Plans approved in many states
OFAC—New administration may bring changes in sanctions
Red Flags for PPP Fraud
Online account opening
And much more

Who Should Attend?
BSA Officers, BSA Staff, BSA Audit, Compliance, Operations, Security and Branch Staff

Presenter
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” Web connection – $265
6-month “OnDemand” website link only – $295
CD-ROM and e-materials only – $345
Live plus OnDemand website link – $365
Premier Package: Live, OnDemand link, and CD-ROM plus – $395

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BSA: Is Your Customer Hiding Money?

BSA Red Flags for Money Laundering

During this program, we will look at the professionals who help the criminal enterprise.

Sometimes a single individual and sometimes a business that will launder the proceeds of crime. FATF released in 2018 a report on these businesses that will help you detect and identify these businesses in your banks. From A to Z on how these business work and the techniques they employee to move illicit funds.

Covered Topics
Characteristics of Professional Money Laundering
Specialized services and business models
Types of dedicated ML Organizations:
Money Mules
Digital Money and Virtual Currency
Networks
Mechanisms that are used
Trade Based Money Laundering
Account Settlements
Underground banking
Criminal Service Providers
Banks
Lawyers
Payment Processors

Who Should Attend?
Who should attend? BSA Officers, BSA Investigators, SAR Reporting Staff, Compliance, Security and Training.

Presenter
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” Web connection – $265
6-month “OnDemand” website link only – $295
CD-ROM and e-materials only – $345
Live plus OnDemand website link – $365
Premier Package: Live, OnDemand link, and CD-ROM plus – $395

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