Events

Attend the Deposit Regulatory Update and Review Seminar from the convenience of your own office via Live Streaming Video as it happens on Wednesday, February 8th (9:00 am – 4:00 pm Central Time), or at your own convenience with 6 months of OnDemand playback.

During this deposit update we will cover a wide range of topics designed to update deposit compliance, deposit operations, and branch staff. Learn about current examination issues and the changing landscape for our products and accounts.

Seminar Overview:
9:00-10:15 – Overdraft Services
Learn all the ins and outs of running a good overdraft program. During this session we will look at the regulations, the lawsuits, the fines and current issues for overdrafts. What’s new and what is still important to your overdraft services.

10:15-10:30 – Break

10:30-11:30 – Regulation E and the Revised FAQs
Maybe Regulation E error resolution keeps you awake at night? If so this session will go over the new FAQs and revisions and the tone from CFPB in running your error resolution programs.

11:30-12:00 – W-9s and W-8BENs
A brief look at account set up for US and Nonresident Alien Persons. Who fills out what? What are the common errors? Learn more during this session.

12:00-1:00 – Lunch

1:00-2:15 – Regulation CC, Mobile Deposits, Checks, and UCC Issues
A review of holds and disclosures plus a look at the liabilities on mobile deposits. Who eats the check? What we need to know about forgeries, forged endorsements, alterations and liability. Time frames for returns and everything that can and will go wrong.

2:15-2:30 – Break

2:30-3:30 – Regulation D, Regulation DD—Your Products
Bye, bye federal reserves. What has this meant to your organization? What is a savings account? NOW? Or time deposit? Are our products outdated? Out of compliance? Learn more.

3:30-4:00 – Giving Deposit Disclosures—Who gets what?
Many institutions give out disclosures that are not necessary to certain account ownership types. Do you know who gets what? If you don’t, then during this session we will look at what you are giving and if and when it could be a problem.

4:00-4:30 – Questions and Answers

Who Should Attend?
Deposit compliance officers and support staff, deposit operations, deposit training, personal bankers, customer service representatives, management, and deposit 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 Option
OnDemand with Live Streaming – $995

Attend the 3 Day Deposit, BSA and Account Opening Update and Review Seminar from the convenience of your own office via Live Streaming Video as it happens on February 8th, 9th, and 10th (9:00 am – 4:00 pm Central Time), or at your own convenience with 6 months of OnDemand playback.

On day one, streaming attendees will learn about the regulatory changes affecting the deposit side of your financial institution in 2021. Regulations D, E, CC, DD and other miscellaneous regulatory issues will be covered.

On day two, we will cover all facets of BSA. From the COVID 19 fraud and FinCEN advisories that are keeping us busy with SAR filing requirements. To Currency Transaction rules on businesses that are still pending to the many changes in the transaction monitoring area. Plus, you can only imagine the challenges institutions are having with online account opening and identification processes as we change our Customer Identification Programs to open accounts when we are not face to face. Its going to be a big, busy year with many new types of customer services, fraud and CIP Procedures.

Day three will cover new account procedures and will develop you into the exceptional new account representative that your institution needs or help you write the procedures your institution needs. You will receive a new account manual template that is over 600 pages of tips on how to run Customer Identification Program and Customer Due Diligence on over 40 accounts. Plus you will receive checklists, matrixes and other tools to help you develop your own tailored new account process.

The “3 Day Deposit, BSA and Account Opening Update and Review Seminar OnDemand with Live Streaming” has been approved for 21 CAMS credits. Credits are redeemable for Live attendance only. Users must connect to the streaming individually and enter their name and email for reporting purposes. Accreditation is valid for one year from the date of the event. To receive a certificate, email Streaming@OnCourseLearning.com.

Seminar Overview:
Day 1: 2022 Deposit Regulatory Update and Review – Tuesday, February 8th

  • 10 Hot Spots on Overdraft Programs
  • Where are we on complaint management?
  • What are some key point for developing an online program?
  • Regulation CC Holds
  • Check scams and UCC 3 and 4 facts you need to know
  • Regulation E unauthorized transactions
  • Changing products and Regulation DD requirements
  • What happened to savings accounts and NOW accounts?
  • New Accounts disclosures
  • Recent sanctions and fines and what we can learn
  • Insurance issues and challenges
  • Developing a new account process to accomplish all the federal regulatory requirements
  • CP 2100 and TIN Match Issues
  • Anything new happening at the federal level

Day 2: BSA Officer and Staff Annual Update and Review – Wednesday, February 9th

  • National Defense Authorization Act—BSA Implications for Beneficial Ownership, CTRs, and SARs
  • Managing risk assessments, internal controls, audit, and training
  • Beneficial ownership issues and changes
  • Customer Identification Program and Customer Due Diligence
  • OFAC
  • SAR Reporting and Decision Making
  • Currency Transaction Reporting
  • 314 A and 314 B
  • Funds Transfers and Monetary Instrument Rules
  • COVID 19 Fraud
  • Virtual Currency Issues
  • Geographic issues
  • Cyber Crimes, Elder Fraud, Human Trafficking and Human Smuggling
  • Challenges when you open accounts online

Day 3: Opening 30 Types of Deposit Accounts: CIP, Documentation, Procedures and More! – Thursday, February 10th

  • From Birth to death on 40 accounts
  • Types of identification that are acceptable
  • Issues with the military ID copies
  • Issues with online opening identification images
  • Nonresident alien issues on interest bearing accounts
  • What regulations disclosures go to what type of accounts
  • Writing your procedures, checklists, matrix for your state and your institution
  • Personal Accounts
  • Power of Attorney
  • Agents, Convenience signers, authorized signers
  • Uniform Transfer to Minors Accounts, joint accounts with minors, PODs to minors
  • Social Security and VA Accounts
  • Death and Estates
  • Tricky issues on formal trusts
  • Business Accounts
  • IOLTAs, Agents, 1031 Exchange
  • Nonprofits, charities, and benefit accounts

Training Day Agenda (Subject to Change)

  • 9:00-10:15am – Content followed by a 15 minute break and Q&A
  • 10:30-12:00pm – Content followed by a 45 minute lunch break and Q&A
  • 1:00-2:15pm – Content followed by a 15 minute break and Q&A
  • 2:30-4:00pm – Remaining content and final Q&A

Who Should Attend?
BSA officers and staff, bank management and Board of Directors, deposit compliance officers and support staff, deposit operations, deposit training, personal bankers, customer service representatives, management and deposit staff, deposit operations, deposit compliance, deposit training, customer service representatives, branch managers, personal bankers, and lenders. Virtually anyone at your institution!

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 Option
OnDemand with Live Streaming – $2495

During this compliance operations update, we will look at the federal deposit regulations and update and review your programs. Regulations D, E, CC, and DD as well as 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 2022.

Covered Topics

  • Overdraft Programs
  • Sweep Accounts
  • UDAAP
  • 2022 Sanctions and lessons learned
  • Marijuana Update
  • Handling time deposits—renewals, partial withdrawals
  • Who needs a NOW account when we have interest-bearing DDA
  • Regulation CC Changes
  • 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

The CFPB released new and updated FAQs for Regulation E. The FAQs fall into four categories and we will review all of the new and updated FAQs during this program. Understanding who is covered and what is covered is an important part of your financial institutions program for Regulation E. Focused on what is authorized and what is not. Learn everything you need to know to manage your program.

Covered Topics

  • Coverage: Transactions
  • Coverage: Financial Institutions
  • Error Resolution
  • Error Resolution: Unauthorized EFTs

Who Should Attend?
Compliance officers, Regulation E staff, deposit operations, branch administration, branch staff, risk management, 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 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

Program Information

Wisconsin Bankers Association (WBA) is pleased to sponsor the annual Community Bankers for Compliance Program (CBC), one of the most successful and longest running compliance training programs in the country.

The CBC Program will provide your bank with up-to-date information on the ever-changing bank regulations, as well as guidance for structuring and maintaining your in-bank compliance program. In addition, it provides a forum where those responsible for regulatory compliance can discuss issues and exchange ideas with other community bankers.

Basic Membership to the CBC Program consists of the following:

Quarterly Seminars. A compliance seminar is provided each quarter. Each seminar begins with the Regulatory Update, which allows persons new to compliance and seasoned professionals to remain current regarding changes in the world of compliance. The main topic is selected based on the most recent industry and regulatory developments which may have an impact on community banks. Each person attending the program will receive a detailed manual, written in full narrative, that they can take back to the bank as a reference and training tool.

Monthly Newsletter. The Compliance Update newsletter is sent to program members each month. It provides an update of compliance issues that impact community banks.

Compliance Hotline. Members of the program may call the Young & Associates’ toll-free number or visit their website for compliance questions that arise on a daily basis. Young & Associates has many qualified professionals available to answer your questions. This service ensures that your bank is just a phone call away from the information you need in order to answer your compliance questions.

CBC Members Only Web Page. This web page is reserved for banks that are registered members of the Community Bankers for Compliance (CBC) Program. Members will find special and timely information and tools provided by Young & Associates, that can be used to enhance the regulatory compliance function at your bank.

Who Should Attend?

The focus of the CBC is always regulatory compliance. It is essential that your bank’s compliance officer attend. Because regulatory compliance should be approached from a team perspective, many banks find it extremely beneficial to send additional employees to sessions on topics that relate directly to their positions in the bank. These employees typically come from the customer service, lending, or operations departments in the bank. To support this team effort, the CBC has been priced to enable your bank to send additional employees at a lower cost.

Registration Options:

CBC Basic Program Membership (Level 1):

$1,350 – First representative (4 sessions)
$450 – each additional representative (4 sessions)
$150 – each additional representative (single session)

CBC Enhanced Program Membership (Level 2):

$800 – additional charge to your CBC Basic Program Membership

Individual CBC Seminar Session Fees:

$375 – 1st representative (single session)
$150 – each additional representative (single session)

The TRID rules are complicated which can ultimately lead to errors and put your bank at risk. This webinar will point out the more complex areas and will also bring your attention to areas that are notorious for errors. Consider this webinar your “cheat sheet” to get you on the right track BEFORE your next examination.

What You Will Learn

  • The Latest Guidance
  • The “Good Faith” Standard
  • Shopping
  • Loan Estimate Majors
  • Closing Disclosure Majors
  • Revising the Closing Disclosure
  • Delays and Waiting Periods
  • Tolerance Comparisons
  • Tolerance Cures
  • Best Practices

Who Should Attend?
This webinar is designed for consumer real estate loan officers, loan processors, and compliance and audit personnel.

Presenter
Jerod Moyer is the leader of Banker’s Compliance Consulting’s training productions. He is a nationally recognized speaker. Whether it’s a conference, seminar, school, webinar or luncheon, it’s easy to stay engaged when he presents due to the amount of passion and energy he brings to each and every compliance topic. Jerod has spoken on behalf of the American Banker’s Association, BankersOnline, many state banking associations, private compliance groups and financial institutions. He is a Certified Regulatory Compliance Manager (CRCM) and BankersOnline Guru.

Jerod likes to spend his time (between reading regulations and producing compliance training!) relaxing at the lake with his wife and three children, following their activities or engaged in something sports related!

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

Many are probably readily familiar with the anti-discrimination provisions under the Equal Credit Opportunity Act (ECOA). However, there is much more to Regulation B that financial institutions need to be aware of.

Join Regulatory Compliance Counsel Michael Christians for this 90-minute deep-dive into the ECOA. During the webinar, participants will gain a deeper understanding of how the regulation’s anti-discrimination requirements affect their day-to-day loan operations. In addition, attendees will learn about special purpose credit programs, adverse action notices, rules on providing appraisals and the collection of monitoring information.

Covered Topics

  • Protected Classifications
  • Rules Concerning Evaluation of Applications and Extensions of Credit
  • Special Purpose Credit Programs
  • Adverse Action Notices
  • Collection of Information for Monitoring Purposes
  • Rules on Providing Appraisals and Other Valuations

Who Should Attend?
Bank leadership, consumer lenders, real estate lenders, commercial lenders, compliance officers and risk managers would all benefit from attending this program.

Presenter
As principal of Michael Christians Consulting, LLC, Michael assists financial institutions and organizations across the country with ensuring their compliance programs conform to federal laws and regulations. He provides counsel relative to current rules, assists with the strategic implementation of upcoming regulatory changes and offers customized education and training services.

Michael has more than two decades of experience in the financial services industry with a primary focus on consumer compliance. He obtained his Juris Doctorate from Drake University Law School. He is a member of the Iowa State Bar where he is licensed to practice law.

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

Many accounting professionals are unaware of Excel’s many features and functions they can implement to improve the accuracy and efficiency of their spreadsheets. In this comprehensive webinar, Excel expert David Ringstrom, CPA, shares applicable Excel fundamentals that will enable accounting professionals to achieve those goals.

David demonstrates every technique at least twice: first, on a PowerPoint slide with numbered steps, and second, in the subscription-based Microsoft 365 (formerly Office 365) version of Excel. David draws your attention to any differences in the older versions of Excel (2019, 2016, 2013, and earlier) during the presentation as well as in his detailed handouts. David also provides an Excel workbook that includes most of the examples he uses during the webcast.

Covered Topics

  • Avoiding creating spreadsheets from scratch: use prebuilt templates or create your own.
  • Avoiding the need to write repetitive formulas using Excel’s Data Table feature.
  • Comparing the AGGREGATE function in Excel 2010 and later to the SUBTOTAL function available in all versions of Excel.
  • Eliminating the need to manually resize charts when data is added—automate this with tables instead.
  • Employing the SUMIF function to sum values related to multiple instances of criteria you specify.
  • Improving the integrity of pivot tables by utilizing the Table feature in Excel.
  • Inserting totals into lists with a few mouse clicks by way of Excel’s SUBTOTAL function.
  • Jump-starting spreadsheet projects using free, prebuilt templates in Excel.
  • Learning a simple design technique that greatly improves the integrity of Excel’s SUM function.
  • Learning how the Table feature empowers you to improve the integrity of Excel spreadsheets.
  • Learning what steps to take if you can’t open a damaged workbook.
  • Leveraging Excel’s Quick Access Toolbar to create a shortcut that enables you to filter lists with a keystroke instead of multiple mouse actions.

Who Should Attend?
Professionals seeking to use Microsoft Excel more effectively.

Presenter
David H. Ringstrom, CPA, is an author and nationally recognized instructor who teaches scores of webinars each year. His Excel courses are based on over 25 years of consulting and teaching experience. David’s mantra is “Either you work Excel, or it works you,” so he focuses on what he sees users don’t, but should, know about Microsoft Excel. His goal is to empower you to use Excel more effectively. To learn more about David, you can view his LinkedIn profile and follow him on Facebook or Twitter (@excelwriter).

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

This webinar will cover the compliance requirements and best practices for Adverse Action Notices under the Equal Credit Opportunity Act (ECOA) and Fair Credit Reporting Act (FCRA).

When a lender takes adverse action against an applicant the natural instinct is to want to get it off their desk as quickly as possible and move on to a loan(s) they can make. There’s nothing wrong with that but Regulation B and the Fair Credit Reporting Act do have something to say about it. In other words, you don’t want to move on before you meet the necessarily compliance requirements.

Join Jerod Moyer as he walks you through the who, what, when, where and how of adverse action and denial notices. Get on the right track so you don’t get in trouble with examiners!

Covered Topics

  • Consumer & Non-Consumer Notification Requirements
  • Notices of Incompleteness
  • Counteroffers and Withdrawals
  • Indirect Lending Requirements
  • Credit Score Notifications
  • Multiple Applicant Requirements
  • Timing and Record Retention Requirements
  • Fair Lending Hot Spots
  • Interpretations, Guidance & Best Practices

Who Should Attend?
This webinar is designed for consumer and commercial loan officers, loan processors, compliance, audit and other loan operations personnel.

Presenter
Jerod Moyer is the leader of Banker’s Compliance Consulting’s training productions. He is a nationally recognized speaker. Whether it’s a conference, seminar, school, webinar or luncheon, it’s easy to stay engaged when he presents due to the amount of passion and energy he brings to each and every compliance topic. Jerod has spoken on behalf of the American Banker’s Association, BankersOnline, many state banking associations, private compliance groups and financial institutions. He is a Certified Regulatory Compliance Manager (CRCM) and BankersOnline Guru.

Jerod likes to spend his time (between reading regulations and producing compliance training!) relaxing at the lake with his wife and three children, following their activities or engaged in something sports related!

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

With the Biden Administration having installed new leadership at the Consumer Financial Protection Bureau (CFPB), financial institutions should expect a much more robust regulatory environment in the new year.

Join Regulatory Compliance Counsel Michael Christians for this jam-packed session outlining those actions that the “new” CFPB has already taken and those we can look forward to in 2022. During our 90-minute webinar, participants will hear about interpretive rules and rescinded policy statements. In addition, they will learn how recent rulemaking from the agency will affect their operations over the next 12 months and beyond.

Covered Topics

  • Interpretive Rule on Sex Discrimination under Regulation B
  • Rescission of Policy Statement Concerning Abusive Acts or Practices
  • Dodd-Frank Section 1071 Rulemaking
  • Interpretive Rule Concerning MLA Specific Examinations
  • Rescission of COVID-19 Related Policy Statements
  • Annual Threshold Adjustments

Who Should Attend?
Bank leaders, compliance professionals, real estate lenders, commercial lenders and internal auditors would all benefit from attending this session.

Presenter
As principal of Michael Christians Consulting, LLC, Michael Christians assists financial institutions and organizations across the country with ensuring their compliance programs conform to federal laws and regulations. He provides counsel relative to current rules, assists with the strategic implementation of upcoming regulatory changes and offers customized education and training services.

Michael has more than two decades of experience in the financial services industry with a primary focus on consumer compliance. He obtained his Juris Doctorate from Drake University Law School. He is a member of the Iowa State Bar where he is licensed to practice law.

Registration Options

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