Events

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Preparing for FedNow: Participants, Connection Options, Liquidity Management & More

Have you joined the FedNow train? It’s barreling down the tracks and will be rolled out in mid-2023. This will be a huge change for the U.S. electronic payments system. Get on board and start preparing sooner rather than later. Discover more with Kevin Olsen, the payments professor.

After This Webinar You’ll Be Able To:

  • Understand the credit transfer and liquidity management participation types
  • Differentiate participation types and how they will apply to your financial institution
  • Comprehend the reconciliation process
  • Identify the different report options that will be available to participants to balance accounts
  • Understand the different use cases available with the FedNow service
  • Define a FedNow cycle date

Webinar Details
FedNow instant payments are coming in 2023 and will forever change the electronic payments landscape in the U.S. What are you doing to prepare for the biggest change in payments in decades? Join the Payments Professor to learn more about the FedNow service, participation types, liquidity management, settlement, reconciliation, and more!

Who Should Attend?
This session is best suited for directors, managers, operations personnel, and anyone who will be impacted by the FedNow service.

Take-Away Toolkit

  • 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

Kevin Olsen, AAP, NCP, APRP, CHPC – VSoft Corporation
For most of the past two decades Kevin Olsen has been managing the development and delivery of education services, including in-person, web conferences, and webcasts. Olsen creates programs, presentations, and articles designed to orient and educate financial professionals on electronic payment topics. As the “Payments Professor,” he brings enthusiasm and motivation to presentations. He views the world as a classroom, which is exemplified in the “edutainment” ed-u-tain-mint (noun: when education is motivating, informative, and fun) style of training he uses to educate and inform all on the latest developments and trends in the fascinating world of electronic payments

Registration Options

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

The mortgage lending process is a complicated web of rules, disclosures, timeframes, appraisals, contracts, and more. Each strand is intricately woven together with the others. Can you successfully navigate the compliance complexities or will you hit a snag?

After This Webinar You’ll Be Able To:

  • Understand the requirements for adverse action notices
  • Define “finance charge” and understand how it affects the loan’s APR
  • Explain the three-day right of rescission and know when it applies and how it is calculated
  • Distinguish between services the borrower can shop for and the lender selects
  • Recognize when an affiliated business disclosure must be provided
  • Describe what constitutes a valid change of circumstance

Webinar Details
From application through closing, a variety of laws, rules, and regulations apply to the mortgage lending process. This webinar will cover it all, including fair lending, advance disclosure timing requirements, gathering government monitoring information, appraisal requirements, handling changes, and knowing when revising disclosures is permissible and when it is not. This webinar will touch on all the important issues regarding the generation of first and subordinate lien loans and home equity lines of credit (HELOC).

Who Should Attend?
This informative session is designed for mortgage loan officers, processors, originators, employees responsible for HELOCs, compliance staff, and audit professionals.

Take-Away Toolkit

  • Fair lending model policy
  • Finance charge chart
  • Adverse action table
  • Links to internet 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 agency is prohibited. Print materials may be copied for eligible participants only.

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. Heighes 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, Heighes 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

  • $245 – Live Webinar Access
  • $245 – OnDemand Access + Digital Download
  • $350 – Both Live & On-Demand Access + Digital Download
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BSA Essentials for the Board & Senior Management

With BSA, the buck stops with the board of directors, who is ultimately responsible for BSA compliance. It’s imperative that they understand how BSA applies to them, the institution, accountholders, and the products offered — because regulators are making examples of some with penalties and enforcement actions.

After This Webinar You’ll Be Able To:

  • Define the five pillars of BSA and the importance of each
  • Understand director responsibilities for establishing and reviewing the BSA program
  • Assess and manage BSA/AML risks
  • Explain the impact of pending BSA regulation and changes
  • Distinguish the key details your examiners will look for in your board reporting
  • Identify 2022 BSA/AML hot topics

Webinar Details
Ultimate responsibility for BSA compliance lies with the board of directors. They must understand the importance of BSA/AML regulatory requirements, ramifications of noncompliance, and the risks posed to their institution. Without a general understanding, the board cannot adequately provide BSA/AML oversight; approve related policies, procedures, and processes; or provide sufficient BSA/AML resources. Regulators are strongly conveying the importance of BSA compliance via recent penalties and enforcement actions against institutions without strong BSA programs. This is a must-attend session for your board and senior management team!

Who Should Attend?
This informative session is designed for directors, senior management, BSA officers, compliance officers, and internal auditors.

Take-Away Toolkit

  • Sample BSA/AML board report
  • Quick reference guide of key BSA/AML terms and requirements
  • 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

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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Nonresident Alien Accounts: Opening, Managing, CIP, CDD & Records

Do you need all the help you can get with NRA accounts? This webinar will cover all the rules and “how tos” to keep you in compliance, but it will also provide a take-away toolkit bursting with samples, guides, and information to make the process easier. Don’t miss it!

After This Webinar You’ll Be Able To:

  • Differentiate between resident aliens and nonresident aliens
  • Be familiar with identification documentation you may see at account opening
  • Compare and understand different types of tax identification numbers
  • Accurately complete the W-8BEN in a timely manner
  • Conduct appropriate enhanced due diligence
  • Incorporate processes into your BSA procedures
  • Correctly report NRA transactions to the IRS

Webinar Details

Opening and managing accounts for nonresident aliens (NRAs) can be overwhelming. What kind of identification should you request? What if the individual doesn’t have a Social Security number? What initial and ongoing due diligence procedures should be incorporated into your process? Can you open a loan? How is year-end interest reported?

This jam-packed session will demonstrate how to effectively identify nonresident aliens, conduct enhanced due diligence at account opening, and appropriately monitor these high-risk relationships. You will gain important insight into proper tax reporting of NRA accounts. Tips, tools, and sample language will be provided that you can use to update your policies and procedures.

Who Should Attend?

This informative session is designed for new account representatives, branch managers, loan officers, compliance officers, BSA officers, and staff responsible for preparing consumer tax documentation.

Take-Away Toolkit

  • Reference tool illustrating the difference between resident and nonresident aliens
  • Sample NRA language for your BSA/AML risk assessment
  • Account opening and due diligence documentation
  • IRS reporting reference guide
  • 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

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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Best Practices for Performing Quality-Control Loan Reviews

Performing effective quality-control loan reviews is an essential element that regulators want to see. Afford yourself this opportunity to learn the key objectives of loan review, regulator expectations, methods, and so much more.

After This Webinar You’ll Be Able To:

  • Identify the key objectives of loan review
  • Understand the importance of accurate internal loan grading
  • Recognize the qualifications required to perform loan reviews
  • Define the scope and depth of loan reviews
  • Describe the methodology used to select loans for review
  • Explain the results of the loan review to executive management
  • Outline the regulatory expectations for conducting loan reviews

Webinar Details
In today’s economic environment, managing the commercial and consumer loan portfolio is paramount to maintaining a safe and sound financial institution. The regulatory agencies are becoming more demanding in their review of financial institutions due to the trajectory of the pandemic, the uncertainty of its longer-term economic impact, and rising interest rates. In addition, there is ongoing geopolitical uncertainty, which could negatively affect financial institutions’ profitability, credit quality, and loan growth going forward, and could adversely impact real estate and other asset values as well as borrowers’ repayment abilities.

In light of these issues, an ongoing secondary review process is critical. This webinar will address the regulatory expectation for establishing and maintaining a consistent, effective loan review process. Simply reviewing loan files has taken a back seat to assessing the overall loan management function, determining the corrective capabilities of an institution’s overall loan monitoring system, and determining the safeguards management has put in place to avoid future problems in the loan portfolio. Join us to learn more about the issues outlined above and potential solutions.

Who Should Attend?
This informative session is designed for directors, audit committee members, CEOs, COOs, chief credit officers, senior loan officers, commercial loan officers, consumer lenders, loan review personnel, and branch managers.

Take-Away Toolkit

  • Sample loan review reports for management review
  • 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
Jeffery W. Johnson, MBA – Bankers Insight Group

Jeffery Johnson has been in financial services more than 40 years. He has been VP and senior lender for a large regional bank and SVP and commercial banking division manager for a community financial institution. Most of his career has been spent in credit administration, lending, business development, loan review, management, and training and development. Over the last 17 years, Johnson has provided training for several banking associations and individual financial institutions nationwide.

Johnson holds a bachelors in accounting from Morehouse College in Atlanta, an MBA in finance from John Carroll University in Cleveland, a Diploma of Graduation from the Prochnow School of Banking at the University of Wisconsin-Madison, and a Graduate Certificate in Bank Management from the First American Management Institute at the University of Pennsylvania’s Wharton School of Business.

Registration Options

  • $245 – Live Webinar Access
  • $245 – OnDemand Access + Digital Download
  • $350 – Both Live & On-Demand Access + Digital Download
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HELOC Compliance: Disclosures, Documentation, Advertising, Amending & More

Popular, highly regulated, and detail driven, HELOCs are often a consumer’s product of choice to access the equity in their home. This detailed program will address HELOC advertising, application, changes, draws, disclosures, amendments, termination, guidance, and more. Ensure your program checks off all the compliance “boxes.”

After This Webinar You’ll Be Able To:

  • Understand the specific disclosures required in HELOC documents
  • Analyze the restrictions on advertising HELOC products and the mandatory special wording
  • Distinguish when a change in terms notice must be sent to the borrower
  • Explain the special notice that must be given when a HELOC is reduced, suspended, or terminated
  • Determine if a HELOC can be terminated when the borrower moves out of the home or if the home significantly declines in value
  • Properly manage HELOCs nearing their end-of-draw period

Webinar Details
A home equity line of credit is a special type of loan that is highly regulated. Every aspect of a HELOC has special rules. There are special disclosures to include in loan documents, specific wording required in advertisements, particular limitations on when the lender may decrease or suspend a HELOC, and special timing requirements for disclosures that must be sent before a HELOC matures. Regulation Z prohibits a lender from changing any term of a HELOC, except in very limited circumstances. This webinar will explain the required HELOC disclosures and the restrictions on HELOC advertising. It also will explain the specific situations when a lender is permitted to decrease, suspend, or terminate a HELOC, and the proper steps a lender must take to do so. In addition, how to handle HELOCs nearing their end-of-draw periods will be covered.

Who Should Attend?
This informative session is designed for all mortgage loan officers, loan operations personnel, managers, compliance officers, internal auditors, marketing personnel, and attorneys.

Take-Away Toolkit

  • HELOC advertising checklist
  • Interagency Guidance on Home Equity Lines of Credit Nearing Their End-of-Draw Period
  • Interagency Guidance on Credit Risk Management for Home Equity Lending
  • 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

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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IRS Reporting, B Notices, Fines & Penalty Letters

Year-end predictably brings IRS reporting requirements and deadlines. This timely training will help you master W-9s, W-8BENs, CP2100 and B notices, and comply with FATCA. Now’s the time to master best practices for compliance and efficiency.

Webinar Highlights:

  • W-9 line-by-line review
  • W-9 and FATCA exemption codes
  • SSNs, ITINs, and EINs – who needs what
  • Reporting on Forms 1099-INT and 1042-S
  • How to handle name and TIN mismatches
  • CP2100 and B notices and penalty letters with fines
  • How the IRS sets up name control files
  • Line-by-line instruction on the W-8BEN and W-8BEN-E
  • What is a nonresident alien? What if there is no country address?
  • FATCA basics and how it impacts your organization
  • Documenting GIIN for foreign financial institutions

Webinar Details
This program will provide a line-by-line review of IRS Forms 1099-INT and 1042-S and subsequent tax reporting. It will focus on what financial institutions have to do from the tax reporting and documentation standpoint to be prepared for FATCA. The program will also address the impact on 1042-S reporting changes for nonresident aliens. Your job as a withholding agent has never been so important and the forms emphasize your important role in the tax reporting chain that affects this country and accounts for U.S. persons overseas.

Who Should Attend?
This webinar is designed for deposit operations staff, deposit compliance personnel, new account representatives, bookkeepers, IRS reporting specialists, and anyone who opens accounts or reports interest to the IRS.

Take-Away Toolkit

  • Withholding manual
  • 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

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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SAR Filing Requirements: When, How, & Why

SAR filing is on the increase. Can your team accurately identify when a SAR should be filed? Do they know the evolving hot spots? Join us for this line-by-line review to get the latest information on SARs.

After This Webinar You’ll Be Able To:

  • Detail examiner expectations for SAR filing
  • Describe the field-by-field requirements of the SAR form
  • Identify the subject versus the victim
  • Establish monitoring procedures to identify potentially suspicious activity
  • File accurate SARs for emerging areas of fraud
  • Write an effective SAR narrative
  • Explain the impact the AML Act may have on your SAR reporting process

Webinar Details

In the first eight months of 2022, over one million SARs were filed — a 15% increase from the same period in 2021! Most filings go far beyond reporting a “simple” structuring transaction. With the increase in fraud coming from all angles and channels, and the potential for a change to the SAR form and filing process being dangled by the AML Act of 2020, it’s imperative your SAR decision and filing processes are up to the challenges.

Do you know how to properly complete a SAR for emerging hot spots? How can you maximize SAR’s effectiveness as a vehicle for delivering information to law enforcement? Learn how to write an effective SAR narrative, procedures, and best practices for determining when to file, how to complete a SAR, and what to do after filing. This jam-packed session will ensure your institution is ready to file the next SAR!

Who Should Attend?

This informative session is directed to BSA/AML officers, compliance officers, and senior managers.

Take-Away Toolkit

  • Sample SAR completion procedures
  • Sample suspicious incident report
  • SAR 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 agency 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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Exercising the Right of Setoff Against Deposit Accounts

Setoff is one of the remedies that can be used to collect past-due loans. But do you understand all the steps that must be taken before this right can be exercised? Learn the details, best practices, and methods with this informative webinar.

After This Webinar You’ll Be Able To:

  • Explain the legal requirements that must be satisfied before your institution is permitted to exercise the right of setoff
  • Understand the differences between a contractual right of setoff and a common law right of setoff
  • Distinguish the right of setoff from the foreclosure of a security interest, and when it is best to use each method
  • Determine when your institution can set off without violating the legal rights of other parties
  • Identify which accounts are subject to setoff

Webinar Details
Your institution has a common law right to set off a depositor’s account for a debt the depositor owes to your institution if certain legal requirements are satisfied. In addition, your institution may have a contractual right of setoff, depending on the wording of your deposit contracts. If a debtor defaults on a loan, when can your institution apply money from the debtor’s deposit account to pay past-due loan amounts? This webinar will explain the legal requirements that must be satisfied and the specific steps that must be taken, before exercising the right of setoff. This webinar also will explain what happens if an account has multiple owners, as well as how to handle accounts which are being garnished by other creditors.

Who Should Attend?
This informative session is designed for personnel in the deposit or collections departments, including deposit operations personnel, loan operations personnel, collectors, attorneys, compliance officers, auditors, and managers.

Take-Away Toolkit

  • Checklist of items that must be satisfied before setoff is permitted
  • 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

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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Diversity & Inclusion in the Workplace

It is widely perceived that companies face a reality gap. More and more business leaders are seeing that cultivating equality is not just the right thing to do, but also the smart thing to do. Diversity alone doesn’t move your entire business forward — inclusion is an integral part. All people need to feel a sense of belonging. Inclusion is when every person is valued, heard, respected, empowered, and feels a true sense of belonging.

Senior management needs to commit to education and discussions surrounding D&I. You will want your entire staff onboard with your company’s mission to embrace this topic.

What You’ll Learn

  • Generational Differences and providing all of them inclusion
  • Where you are with diversity awareness
  • Understand what it is and is not
  • The value of diversity in The organization
  • Tools and resources that will aid you in taking D&I to a new level
  • How focusing on inclusion is directly related to employee engagement

Who Should Attend
Human resources, leadership, management, supervisors, trainers, and anyone responsible for leading and engaging.

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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