Events

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Overdrafts Under Fire: Clarifying the Confusion

Overdrafts have been a hot topic for some time. What is your policy? Is it changing? What feedback have you gotten from examiners? Join us for an in-depth look at the current guidance and best practices.

After This Webinar You’ll be Able To:

  • Understand regulatory guidance for ad hoc versus automated overdraft programs
  • Explain the opt-in/opt-out process required by Regulation E
  • Identify the inherent risks of your overdraft program
  • Develop effective policy and procedures to support your program
  • Effectively report overdraft program details to the board and management

Webinar Details

Overdraft programs have always been a hot-button area for examiners — especially for the CFPB, who has had overdraft programs on its radar since its inception. Yet despite the guidance, white papers, and other communications issued by the Agencies, confusion still reigns over which elements apply to the programs individual institutions offer. Regulators want to ensure overdraft program practices do not intentionally or unintentionally result in consumer harm, and you want to protect your institution from UDAAP and other regulatory violations.

This session will review the regulatory guidance in-depth and address best practices for disclosures, fees, accountholder education, and marketing of your overdraft program. It will also review overdraft issues identified through consumer complaints, examinations, and enforcement actions and recommend how to avoid similar missteps.

Who Should Attend?

This informative session is designed for new accounts personnel, branch managers, deposit operations staff, compliance officers, internal auditors, and anyone responsible for your overdraft program.

Take-Away Toolkit

  • Sample overdraft policy 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 institution is prohibited. Print materials may be copied for eligible participants only.

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 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

  • $245 – Live Webinar Access
  • $245 – OnDemand Access + Digital Download
  • $350 – Both Live & On-Demand Access + Digital Download
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Deposit Regulation Update – Second Quarter

During our second-quarter update, we will look at the changing landscape of the deposit area and all the hot spots for compliance. This is a look-see at what has passed and what is to come. Learn more in this incredible catch-all program for those of you on the deposit side of the compliance and operations area.

Covered Topics

  • FDIC Insurance Changes on Trusts
  • CFPB released on March 16th a statement that discrimination issues could apply to trusts
  • FDIC Supervisory Highlights focus on Regulation E yet again—Flexible OD Programs
  • Hot Spots on Regulation E continue
  • Beneficial Ownership proposed changes
  • Proposed IRA Changes pass the House—calling it Secure Act 2.0
  • OFAC and Ukraine what you need to know and do

Who Should Attend
Deposit Compliance, Deposit Operations, Training, Branch Staff, and Senior Management.

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

 

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Identity Theft Red Flags & FACT Act Compliance

From researching address discrepancies to identifying suspicious activity, there’s more to your credit reporting compliance program than just late payment disputes. Is your ID theft program up to date and ready to face today’s challenges?

After This Webinar You’ll be Able To:

  • Understand today’s threats from cyber security to synthetic ID theft
  • Appreciate the elements of a successful ID theft red flags program
  • Assess technological tools – from BSA software to AI
  • Create effective training solutions – from tellers to board chairs
  • Apply examination guidance
  • Update your red flags

Webinar Details

When was the last time your ID theft red flags program was fully assessed? One thing COVID exposed is continuing vulnerability to identity theft and cybersecurity threats. Identity theft continues as one of the top threats to consumers who look to their financial institutions to keep them safe in a dangerous industry.

The regulations identify numerous examples of identity theft warning signs and require every institution to have a written identity theft prevention program. But bad actors continue to evolve and so do their ID theft techniques. It has never been more important to ensure your security program is keeping up with today’s challenges. Join veteran financial services attorney and Certified Fraud Examiner David Reed to gain practical tips and technical guidance to strengthen your ID theft red flags program.

Who Should Attend?

When was the last time your ID theft red flags program was fully assessed? One thing COVID exposed is continuing vulnerability to identity theft and cybersecurity threats. Identity theft continues as one of the top threats to consumers who look to their financial institutions to keep them safe in a dangerous industry.

The regulations identify numerous examples of identity theft warning signs and require every institution to have a written identity theft prevention program. But bad actors continue to evolve and so do their ID theft techniques. It has never been more important to ensure your security program is keeping up with today’s challenges. Join veteran financial services attorney and Certified Fraud Examiner David Reed to gain practical tips and technical guidance to strengthen your ID theft red flags program.

Take-Away Toolkit

  • Updated list of ID theft red flags
  • ID theft program review 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
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
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Remote Banking: What Are the Compliance Requirements?

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
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Mortgage Loan Origination: Critical Timing Requirements

Mortgage loan origination is all about the timing. Take this opportunity to learn the trigger points that start the clock ticking and how long the windows remain open. Discover how to create a proper mortgage loan file. Compliance is crucial to protect your institution and sail through the next exam.

After This Webinar You’ll be Able To:

  • Distinguish between a preapproval and an application
  • Explain when to use business days versus calendar days to meet compliance requirements
  • Identify triggering events that determine when compliance notices are required
  • Recognize the importance of documenting triggering events
  • Understand critical regulatory compliance timing requirements

Webinar Details

Meeting critical timing requirements is essential during mortgage loan origination. Have you second guessed whether the document’s delivery date is based on business days or calendar days? Do Saturdays count? Is today Day One, or is it tomorrow? In some cases, disclosures can only be provided so far in advance of a triggering event, while other documents must be provided so many days after an event.

Compilation of a compliant loan file can be so confusing! The process is definitely dependent upon understanding the numerous timing requirements that go beyond those required by TRID. This webinar will take a deep dive into the critical loan compliance timing constraints related to the delivery and receipt of mortgage loan documents during the origination process. Understanding how to create a sequentially dated mortgage loan file will ensure you are better prepared for the next examination or compliance review!

Who Should Attend?

This informative session is designed for mortgage lenders and processors, as well as those responsible for auditing and reviewing loan files, including compliance officers and internal auditors.

Take-Away Toolkit

  • Application triggers outlined by regulation
  • Mortgage loan flow chart
  • Sample changed circumstance form
  • Flood insurance calculation worksheet
  • Sample mortgage loan 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
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
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Consumer Lending Collateral Considerations & Documentation

This must-attend session will cover the ins and outs of consumer collateral from A to Z. Learn how to properly perfect security interests in all types of personal property and get the documentation requirements down pat! This thorough training will help you avoid mistakes and reduce loss.

After This Webinar You’ll be Able To:

  • Understand the documentation required for each different loan type
  • Use the proper method of perfection for each type of collateral
  • Determine when a co-signer or guarantor can be required for a consumer loan
  • Identify the documents a borrower’s spouse can be required to sign
  • Fulfill your institution’s responsibilities to a borrower, co-signer, and guarantor

Webinar Details

Your financial institution must properly document its consumer loans and properly perfect its security interest in collateral. Making a mistake in the documentation or perfection process often results in losing the ability to collect against the consumer and/or the collateral. This webinar will provide a thorough, up-to-date understanding of consumer loan documents and how to properly perfect security interests in all types of consumer personal property collateral, including motor vehicles and other titled property, deposit accounts, stocks and mutual funds, computers and equipment, furniture, accounts receivable, general intangibles, and contract rights. It will explain the situations where filing a UCC-1, taking possession, or obtaining a third-party control agreement is required for perfection. It will also address the compliance rules under Reg B and Reg Z that are applicable to consumer loan documentation. (This webinar will not cover real property collateral).

Who Should Attend?

This informative session is designed for all those involved with consumer loans, including consumer loan officers, loan operations personnel, tellers, service representatives, compliance officers, attorneys, auditors, and managers.

Take-Away Toolkit

  • Sample loan documentation checklist (list of loan and perfection documents necessary for each loan type)
  • 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
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
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ACH OnDemand Seminar with Live Streaming

The Automated Clearing House (ACH) Network was created in the late 1970s. For many years, the rules did not change much. It has, however, changed significantly in the last 10 years. Whether you are in operations, cash management, bookkeeping, or any other position that does or may touch ACH, you’ll want to join us for this day of learning. We’ll make sure that as a Receiving Depository Financial Institution and or an Originating Depository Financial Institution, you’ll know your responsibilities regarding ACH.

Covered Topics

  • The ACH Basics: Who are the players?
  • What are all of those ACH acronyms and terminology?
  • What is an ODFI and what are the Responsibilities?
  • What is ACH Origination?
  • Who has what responsibilities?
  • Contracts, we need contracts.
  • What ACH Products should we offer?
  • What do we do if we send a file twice?
  • How do we manage the risk?
  • What is an RDFI and what are the Responsibilities?
  • Receipt of Entries, what do I do if it doesn’t post?
  • How do I return an entry and by when?
  • Do I have to create a Notification of Change?
  • What are the basics of an ACH Audit?

Training Day Agenda (Subject to Change)

  • 9:00 am – 10:30 am CT (15-minute break)
  • 10:45 am – 12:00 pm CT (1 hour lunch)
  • 1:00 pm – 2:30 pm CT (15-minute break)
  • 2:45 pm – 4:00 pm CT

Who Should Attend
Back-office operations, compliance officers, auditors, branch managers, treasury/cash management professionals, frontline staff, and customer service representatives.

Instructor Bio
Mary Kate Cole, AAP, CAE, principal of MK Cole Consulting, has nearly two decades of bank operations experience. Cole is an experienced ACH Auditor as well as speaker on payments related topics. She was VP of the Upper Midwest ACH Association for over 15 years. At that time, she was responsible for member education, ACH Audits and problem solving as well as ACH Development projects. Cole has been active in several National ACH Association Rules Work Groups over her career. She is a popular speaker at both local and national conferences on electronic payments related topics.

Registration

Live Stream + Access the recording for 12 months. $1049

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Maintaining Business Accounts: Changing Principals, Changing Signers, Resolutions, Changing Products & More

Do business account change requests intimidate you? This jam-packed webinar will explain what you need to know to handle changes with ease. Learn the tips and tricks of the trade with this in-depth training and become the go-to person at your bank.

After This Webinar You’ll be Able To:

  • Change signers on business accounts
  • Update beneficial ownership and resolutions
  • Manage business account lifecycles
  • Help move accountholders from one business type to another
  • Know when to use an SSN and when to use an EIN

Webinar Details

This session will teach you about changing ownership, changing signers, changing principals, and many other issues in the lifecycle of a business. You will learn how to open and close business accounts due to death, sale of the business, or dissolution. It will also address the paperwork, tax reporting, and resolutions in an ever-changing landscape. This program will go way beyond the basics of maintaining business accounts.

Who Should Attend?

This informative session will benefit new account staff, personal bankers, loan officers, branch staff, branch administration, deposit operations staff, deposit compliance personnel, and trainers.

Take-Away Toolkit

  • New account handbook
  • 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
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Decoding the Examination Process: 10 Essential Techniques to Thrive During Your Next Exam

A regulatory examination should be viewed as an opportunity to show off your operations, rather than an enemy invasion. In reality, regulators are not trying to surprise you during exams, and they give plenty of notice of their intended targets — if you know where to look…

After This Webinar You’ll be Able To:

  • Explore recent regulatory examination guidance
  • Appreciate examination trends and hot topics
  • Understand and present your institution’s risk management process
  • Uncover mysteries of the examination resources
  • Use effective communication strategies
  • Engage best practices for preparing your key process stakeholders

Webinar Details

How much time and effort are diverted from normal required tasks when you have to prepare for an examination? Even with virtual examinations, the more time examiners spend with you, the less time you are spending on the core mission. But with smart preparation, more scrutiny doesn’t have to mean more time spent on compliance.

This webinar will cut through the “regulatory speak” and show how concentrated preparation around key regulatory and operational issues can put examiners at ease and get you back to focusing on the mission first. Don’t be caught ill-prepared for the new realities of regulatory examinations. Join us for a review of the current regulatory climate, core regulatory concerns, and best practices for planning, preparing, and engaging with the examination team.

Who Should Attend?

This informative session is designed for executives, senior management staff, compliance personnel, lending staff, finance staff, internal auditors, and anyone involved in examination preparation.

Take-Away Toolkit

  • Examination preparation checklist
  • Inventory of examination resources
  • 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
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New UDAAP Exam Parameters: Beyond Fair Lending

Compliance alert! The changes to the UDAAP exam manual go far beyond fair lending. Under the new parameters, the CFPB can bring discrimination claims related to non-credit financial products and services. You can’t afford to miss this crucial update.

After This Webinar You’ll be Able To:

  • Identify discriminatory acts or practices that materially increase the risk of consumers being treated unfairly
  • Recognize how discrimination impacts deposit accounts, marketing, fees, product offerings, and servicing activities
  • Update policies, procedures, and processes to avoid discrimination
  • Create procedures to respond to service and collections calls from consumers with limited English proficiency (LEP)
  • Develop a compliance program to monitor for potential Unfair, Deceptive, or Abusive Acts or Practices (UDAAP) concerns, including discrimination
  • Provide examples of discriminatory practices during training exercises
  • Assimilate recent changes to the CFPB’s UDAAP examination manual

Webinar Details

Recently the CFPB broadened the spectrum of what may qualify as a UDAAP violation and updated their examination manual accordingly. The changes focus on identifying discrimination in all consumer finance markets, including deposits, payments, remittances, and collections. It’s critical that financial institutions understand, and are monitoring for, practices that may trigger unfair discrimination throughout the organization, including the assessment of fees and level of service provided to accountholders. In short, the exam manual and UDAAP compliance now go way beyond fair lending!

Denying any product or service, such as refusing to open a checking account based on a person’s religion or race, is an unfair practice, even when the Equal Credit Opportunity Act has not been violated. For example, it’s likely that your institution uses demographics to aid in marketing products and services. But these models and algorithms may inadvertently include a discriminatory practice, even when used for deposit-related activities. Join this timely webinar to learn how to recognize potential UDAAP risks in all areas of your institution.

Who Should Attend?

This informative session is designed for staff involved in developing, marketing, or monitoring financial products and services offered by your institution, including operations staff, deposit staff, marketing personnel, trainers, compliance staff, auditors, and risk management personnel.

Take-Away Toolkit

  • Examples of discriminatory practices to aid in training exercises
  • Considerations for identifying LEP accountholders
  • Sample UDAAP policy
  • UDAAP risk assessment template
  • Reference list
  • 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
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
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