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Are you creating your first ERM Program for your bank? Do you want to ensure your current program is complete yet keep it simple? If yes to either question, this webinar is for you!

Risk Management is at the heart of banking and every bank has to have processes, policies, and procedures in place in order to assess and manage the risks on their balance sheet. Marci shares the fundamental pieces of the ERM puzzle, how they relate to each other, and how to integrate your ERM program into the bank’s Strategic Plan. Having built an ERM program for a community bank from scratch, Marci describes the various components of a strong ERM program. In this educational session, you will learn how to put your program together using all the parts you already have in your bank. Marci shares how you can make the process fun and how your team will become closer as they work together with the common goal of protecting the bank’s assets while fulfilling your bank’s vision.

Covered Topics
ERM general background and key definitions
How implementing an ERM Program can help Financial Institutions survive and thrive
Identifying the specific building blocks/components of a simple yet complete ERM Program
The three key ongoing Phases of ERM:
Identifying and Assessing Risk
Mitigating and Eliminating Risk
Monitoring and Reporting Risk
Creating an ERM Committee Charter and choosing the right ERM Committee members
Integrating the ERM Program into your Strategic Plan
How COVID-19 impacted all risk categories
Top Risk Categories and Definitions
ERM Risk Assessment Matrix – Definitions and example
Creating the Risk Management Appetite and Tolerance Statement – Description of Process
Implementing your ERM Program and benefits
ERM Program Flowchart

Who Should Attend?
Chief Risk Officers, Risk Managers/Leaders, Chief Credit Officers, Chief Financial Officers, Compliance Officers, Internal Auditors, Presidents involved in the risk management process and their ERM program.

Marcia (“Marci”) Malzahn is the president and founder of Malzahn Strategic, a community financial institution management consultancy focused on strategic planning, enterprise risk management, treasury management, and talent management.

Marci has 30 years of banking experience, ten of those years as the EVP/CFO and COO of a community bank she co-founded where she oversaw all areas of operations. In her last year as EVP/COO/CRO, Marci created and focused on the bank’s enterprise risk management program.

Marci is the recipient of several professional awards, is a published author of four books, and an international bilingual keynote speaker, speaking frequently at banking and credit union conferences and associations as well as leadership and women’s conferences. As a Certified Virtual Presenter, Marcia also provides online and onsite training for financial institutions.

Marci is a certified life coach, holds a B.A. in business management from Bethel University, and is a graduate of the Graduate School of Banking in Madison, Wisconsin.

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

This webinar provides a comprehensive overview of essential real estate loan documentation requirements, regulatory compliance issues, sound loan administration issues and best practices.

All necessary preclosing and closing real estate loan documents and requirements will be discussed with a focus on their purpose, use, timing and legal aspects. Key points of concern from both a legal and credit viewpoint will be discussed.

What You Will Learn
Real estate lien notes
Letters of Intent, Commitment Letters and Loan Agreements
Mortgages and Deeds of Trust
Real property legal descriptions
Purchase and sale agreements
Appraisal requirements and regulatory guidelines
Surveys, title commitments and title insurance
Property and casualty insurance
Deed restrictions and zoning
Environmental risk assessments
Flood insurance regulations
Basic construction lending documentation
Essential loan administration
Closing documentation
Essential loan administration issues, loan agreements and construction lending monitoring requirements
Key real estate bankruptcy concepts

Who Should Attend?
Loan officers, loan assistants, loan operations personnel, loan review personnel, compliance and audit personnel or any banker wishing to enhance his/her knowledge and understanding of the “hows” and “whys” of real estate lending.

Robin Russell has practiced law for 30 years and is licensed in Texas, New York and Massachusetts. She is a fellow in the American College of Bankruptcy and of the American Law Institute. She combines a depth of experience in bankruptcy restructuring and litigation with financial transactions. She has represented corporate debtors, independent directors, liquidating trustees, bondholders, unsecured creditors’ committees, bank groups, private equity funds, landlords, trade creditors and bidders for estate assets in Chapter 11 and Chapter 7 bankruptcy proceedings. She has also represented banks, institutional lenders and corporate borrowers in commercial loan transactions and debt restructurings.

Robin is the principal author of Thomson Reuters’ Texas Practice Guides for both Creditors’ Rights and Financial Transactions and the Texas Bankers Association’s Texas Secured Lending Guide, Texas Problem Loan Guide, Texas Real Estate Lending Guide and Texas Account Documentation Guide. She is a frequent speaker on banking, bankruptcy and financial restructuring related topics and has served as a Chapter 7 Trustee. Robin received her LL.M. in Banking Law from Boston University and her J.D. from Baylor University where she was Editor-in-Chief of the Baylor Law Review and the highest ranking graduate in her class. She clerked for the Texas Supreme Court before beginning her legal career.

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

During this class we will cover the topics for your annual training. We will get you updated and ready for a good examination with many hot spots discussed and hopefully you will avoid some of the issues that many institutions are facing in 2021.

Covered Topics
What has changed since last year?
Risk Assessments
CIP and CDD Revisited
CTRs and SARs
CTR Changes still pending on business accounts
Training, Audit, Internal Controls and BSA Officer
High risk customers-marijuana, MSBs, HRBs, Charities
Sharing Compliance Resources
OFAC and the changing landscape
What You Will Receive
FFIEC Exam Manual Updated
Revised Audit Worksheets
CTR Examples

Who Should Attend?
BSA Officers, Compliance Officers, Internal Auditors, any person within the bank who has responsibility for setting BSA policy and procedure.

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

Compliance Management Systems are a vital and necessary part of your organization’s success. As you look to develop or fine tune your CMS, there are a few things to keep in mind. There is no “recipe” for compliance management. One size does not fit all. While there is a basic framework that should be used, what works for one organization may not work for you. To be successful, you’ll need to apply the principles and adjust them to fit your culture, environment, personnel and systems. Establishing a healthy CMS is also a process that takes time. It’s not a one and done process. It’s a process that evolves and continually changes.

Covered Topics
Board and Senior Management Oversight
The Role of the Compliance Officer(s) / Compliance Team
Risk Assessments
Effective Policies, Procedures & Processes
Audits & Monitoring
Complaint Management
Culture (the foundation of an effective Compliance Management System).

A message from the Presenter, David Dickinson: Your Compliance Management Systems are a vital and necessary part of your organization’s success. As you look to develop or fine tune your CMS, there are a few things to keep in mind:

There is no “recipe” for compliance management. One size does not fit all. There is a basic framework that should be used. What works for one organization may not work for you.

To be successful, you’ll need to apply the principles and adjust them to fit your culture, environment, personnel and systems. It’s a job that you’ll never finish because it’s a cycle that continuously repeats. It must be evaluated and adjusted as new rules and requirements are issued and as your personnel changes.

Establishing a healthy CMS is a process that takes time – LOTS of time. It’s not a one and done process. It’s a process that evolves and continually changes.

Who Should Attend?
This webinar is designed for anyone involved in a bank’s compliance management system. This may include compliance officers, auditors, management, directors, etc.

David’s banking career began as a field examiner for the FDIC in 1990. He later became a Compliance Officer and Loan Officer for a small bank. In 1993, he established Banker’s Compliance Consulting. Along with his amazingly talented Team, he has written numerous compliance articles for prestigious banking publications and has developed compliance seminars that Banker’s Compliance Consulting produces.

He is an expert in compliance regulations. He is also a motivational speaker and innovative educator. His quick wit and sense of humor transforms the usually tiring topic of compliance into an enjoyable educational experience. David is on the faculty of the Center for Financial Training, the American Bankers Association National Compliance Schools and is a frequent speaker at the ABA’s Regulatory Compliance Conference. He is also a trainer for hundreds of webinars, is a Certified Regulatory Compliance Manager (CRCM) and has been a BankersOnline Guru for many years. The American Bankers Association honored David with their Distinguished Service Award in 2016.

David and his wife Karen have 3 adult children and 2 grandsons (none of whom live at home!) and 3 cats (of which Dave is allergic … the cats, not the children!). They live on a lake in Nebraska and when possible, he can be found fishing or making sawdust in his shop. David plays the guitar & piano and enjoys singing with Karen. They occasionally lead worship at their church.

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

“Right of Setoff” is used frequently in the banking industry when trying to collect on past-due debts owed by customers. Unfortunately, many bankers don’t understand the legal requirements and procedures necessary to use this process. The risks of using the process incorrectly can be costly to your financial institution. On the other hand, successfully using the right of setoff can protect your financial institution from significant financial losses.

Do you know when the right of setoff is allowed and when it isn’t? Do you know if your financial institution has a statutory or contractual right of setoff? Do you understand the financial risks of using your setoff rights incorrectly? If you don’t know the answers to these questions, make sure to attend this valuable webinar.

This webinar does NOT discuss the procedures mandated by particular state laws.

Covered Topics
What are the legal requirements to create a “right of setoff?”
What is the difference between a contractual right of setoff and a statutory right of setoff?
What are the differences between setoff, garnishment, and foreclosure of security interest, and why are these terms frequently misused?
What happens when a third party is competing with your financial institution’s right of setoff?
How does the automatic stay in bankruptcy affect the right of setoff?
When is the right of setoff absolutely prohibited?
How to handle notice to the customer?
What is sample contractual language that can help your financial institution exercise its setoff rights?
What are the liabilities that can be incurred when setoff is done incorrectly?

Who Should Attend?
All loan and deposit personnel, bank counsel and compliance officers.


Terri D. Thomas, JD is the Director of the Kansas Bankers Association Legal Department, which specializes in providing compliance and legal assistance to Kansas banks.

Terri has worked with financial institutions for over thirty-nine years in various capacities. Most notably, she served for fourteen years as in-house legal counsel and trust officer for Bank of America and its Kansas predecessors. She has also served as a trust department manager and branch manager.

Receiving her Bachelor of Arts degree from Kansas State University in 1985, Terri continued her education at Washburn University School of Law and obtained her Juris Doctor in 1988. She has served as an Adjunct Professor at Washburn University School of Law in Topeka, Kansas and the University of Kansas School of Law in Lawrence, Kansas, and is a frequent seminar presenter for financial associations in the Midwest.

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

Social media posts are a great way to communicate with existing customers and gain new ones as well, but what can we posts? What disclosures must be provided? How do we respond to a consumer complaint received via social media? In this session we will answer those questions and more, and provide you with tools to help craft your institution’s social media policy.

Community banks have never been on the cutting edge of technology. In fact, we’ve always been more like the dull butter knife in the back of the drawer, but it’s 2021-and at the risk of losing customers to larger, tech-savvy institutions, many of us have now taken the leap into electronic services, including developing a social media presence. In this session, we will provide best practices for developing your social media strategy and policy. In addition, we will dive into the compliance requirements, including Truth-in-Savings, Reg Z, and UDAAP.

Program Highlights
Defining social media to assess which platforms best fit your goals
Using posts for more than just advertising your products
Assessing the risks and incorporating into your risk management program
Detailed review of the compliance regulations to consider when posting
Best practices for responding to consumer complaints
Recommended policies for employee use of social media sites
Tips when utilizing third-parties to manage your social media
Auditing your program for compliance and effectiveness

Who Should Attend?
IT Officers, Marketing Officers, Compliance Officers and anyone responsible for managing your bank’s social media activities.


Dawn Kincaid began her banking career while attending The Ohio State University. She has 19 years’ experience in client service, operations, information technology, administrative and board relations, marketing, and compliance. Most recently Dawn 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. Dawn 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

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

Writing a dynamic CRA context report can show examiners not only that your financial institution understands the community demonstrate why your CRA program qualifies for a “Satisfactory” or possibly “Outstanding” rating credit needs, but that you are effectively meeting the needs in the assessment areas you serve. We will review the steps required to establish your case and tips for managing the exam.

Learn about the CRA exam process that is used by each of the prudential regulators and the various “tests” that are used to create a rating and public performance evaluation. Some of the unique factors that may be considered include activities that revitalize or stabilize designated disaster areas. Could your financial institution be eligible for consideration? The pandemic probably impacted the customers and business served by your bank. Learn about the FIVE Frequently Asked Questions relating to CRA that were issued by the OCC, FDIC, and Federal Reserve.

Covered Topics
Five steps for managing a CRA exam and the importance of developing a CRA strategy
Tips for banks that are ISB (intermediate small banks) and the transition to CRA reporting when the large bank threshold is reached.
Learn how to document lending activity in designated disaster areas.
What’s included in a performance context? Learn how to describe your institution, quantify the ability and capacity of the bank to meet credit needs based on financial data. Learn how to highlight the positive outcomes of your lending focus and business strategy.
Tips to describe your assessment area including demographic and economic data resources.
Best practices to deal with CRA-related complaints and potential fair lending issues that can threaten a successful exam.
Definitions of Community Development Loans and Services
Ideas for passing the Investment Test portion of the exam
Overview of the OCC rules that become effective on October 1,2020 but also phases in a framework for small and intermediate banks by January 1, 2024. NOTE: The FDIC and Federal Reserve did NOT join in these new rules.
Helpful CRA compliance resources and regulatory guidance

Who Should Attend?
This session is “must” for CRA Officers of small, intermediate, and large institutions. The session will also benefit the Board & senior management, credit administration, lenders, compliance, and marketing professional

Susan Costonis is a compliance consultant and trainer. She specializes in compliance management along with deposit and lending regulatory training.

Susan has successfully managed compliance programs and exams for institutions that ranged from a community bank to large multi-state bank holding companies. She has been a compliance officer for institutions supervised by the OCC, FDIC, and Federal Reserve. Susan has been a Certified Regulatory Compliance Manager since 1998, completed the ABA Graduate Compliance School, and graduated from the University of Akron and the Graduate Banking School of the University of Colorado. She regularly presents to financial institution audiences in several states and “translates” complex regulations into simple concepts by using humor and real life examples.

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

For several years, Anne Lolley has shared her popular compliance checklists with bankers. In her upcoming webinar, Anne will again offer and explain those checklists. The checklists will chronologically lead lenders and processors through the various lending compliance requirements, and financial institutions that properly use these checklists will virtually eliminate compliance errors.

The webinar will include a supplementary booklet explaining each checklist requirement. Upon request, Anne will e-mail the individual checklists to anyone attending this webinar. The individual checklists will be formatted in Word and can easily be saved to a word processor (or bank network) and printed as needed.

Anne has also designed companion worksheets that can be used to audit consumer loans. Those worksheets will be available to webinar registrants upon request.

Covered Topics
Truth in Lending (Reg Z)
Equal Credit Opportunity Act (Reg B)
Flood insurance
Appraisals and evaluations
FACTA credit score disclosures
Insurance disclosures
Military Lending Act

Who Should Attend?
Lenders, loan processors, compliance officers and loan review personnel will all benefit from these checklists.


For over forty years, Anne Lolley has been simplifying compliance issues for bankers. After earning her law degree from the University of Kansas, she joined the Kansas Bankers Association, where she developed its successful legal department and gave compliance-related seminars. She has been a compliance officer for two banks and currently works with Bank Consulting Services, where she continues to provide webinars to Kansas bankers. Her expertise at simplifying the complex and creating user-friendly reference manuals has made her a popular instructor.

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

Attend the HMDA Seminar from the convenience of your own office or home via Live Streaming Video as it happens on Tuesday, December 14th (9:00 am – 4:00 pm Central Time), or at your own convenience with 6 months of OnDemand playback.

We’re about at that time of year again – HMDA data collection, verification, and preparation for submission. But the last few years have seen some pretty extensive expansions and other developments in HMDA that make data collection and submission more challenging than ever. Plus with the new administration and its focus on fair lending-related issues, enforcement of data accuracy issues will be at an all-time high.

How are you doing with all this? For 2021’s submission season, it’s essentially the same set of rules as 2020, but we’ve learned a lot over the past few years. In this full-day streaming session we’ll cover HMDA from beginning to end, including a review of all the pain points of HMDA, including exceptions, action taken, dates, loan factors and various other data points. We’ll provide plenty of links and resources to make the process easier, and we’ll address a number of questions, especially the tough ones: What data fields are most problematic? What is most commonly done incorrectly? What will examiners be looking at it? What are the fair lending issues and risks you need to be aware of after submission? We’ll discuss the current state of HMDA so close to submission in this session and get some of your questions answered.

Covered Topics
Final rules around thresholds and data elements – Who should report?
Private vs. public data
Details of the coverage rules – who collects and submits information, and when
What types of loans and lines of credit are reportable
The dwelling-secured loan standard – what does this impact? And what is a “dwelling”? Differences from Reg. Z
Effects in the commercial loan area
How to handle HELOCs
LAR fields – many data requirements and tricky ones
Categories of reporting, including information on the property, loan type, and loan features; plus identification information
Collecting and reporting GMI – dependent on channel
The submission process
Quarterly reporting for some institutions
How the public obtains HMDA information and its impact on fair lending risk
Practical and compliance implications
Fair lending impacts – what should you be looking at?
Key field guidance

Who Should Attend?
Loan officers, managers, and processors, compliance and fair lending officers, auditors, counsel, and anyone else with HMDA-related responsibilities, including data collection, reporting, analysis, and disclosure.


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.


OnDemand with Live Streaming – $995



A NEW webinar series focused on your bank’s in-house legal counsel!

The WBA In-House Legal Counsel Webinar Series is made up of 6 webinars that will be hosted over the next few months, giving in-house bank attorneys the content they need to keep up-to-date on legal issues that affect a bank’s day-to-day operations. Participants will also have the opportunity to earn CLE credits on topics that are specific to the banking industry.

Schedule and Topics:

September 8, 2021 (9:00 – 11:00 AM)

Mergers and Aquisitions – Pre and Post M/A Issues to Consider
Presented by: Patrick Neuman, Boardman & Clark LLP

October 7, 2021 (9:00 – 11:00 AM)

Troubled Business Borrowers – Deal with Real and Personal Property in a Defaulted Loan
Presented by: Jim Bartzen and Rick Schmidt, Boardman & Clark LLP

December 9, 2021 (9:00 – 11:00 AM)

HR and Employment Issues
Presented by: von Briesen & Roper, s.c.

February 17, 2022 (9:00 – 11:00 AM)

Title Endorsements
Presented by: Paul Dombrowski, Husch Blackwell

April 7, 2022 (9:00 – 11:00 AM)

Topic and Presenter TBD

May 26, 2022 (9:00 – 11:00 AM)

Municipal Lending
Presented by: Richard Heinemann and Catherine Wiese, Boardman & Clark LLP

Want to see a specific topic? Let us know during the registration process!


Who Should Attend:

Bank in-house legal counsel, attorneys, compliance officers, and bank management will benefit from this webinar series.

Registration Information:

The registration fee of $750/attendee includes:

Live and recording access for all 6 webinars
Materials to each session
Certificate verifying attendance

Each participant looking to receive a verification of attendance to submit for continuing education credits must be registered for the event.