Events

OSHA released its Emergency Temporary Standard on November 4, which includes significant obligations for Banks with 100 or more employees. The Administration also clarified the scope and timing of mandated vaccinations under the Biden COVID Executive Order, which could apply more broadly. The required weekly COVID testing and the required vaccination status, generally become effective on January 4, 2022. However, the other obligations in the OSHA Standard, become effective on December 5. The OSHA Standard includes requirements for a specific policy, response procedures, vaccination status surveys, and employee communications. These items were not suggested in information supplied by the administration or OSHA up to this point.

In this session, we will focus very specifically on how these duties apply to the banking industry, with the most up-to-date information. We will also provide model forms and documents, corresponding to the requirements detailed on November 4. This session will also include time for questions to address specific areas of interest.

Highlights
New Obligations effective December 5, 2021 explained
New Obligations effective January 4, 2022 explained
Discuss and review model Bank COVID-19 vaccination policy
Discuss and review Vaccination Status Survey form
Discuss and review COVID-19 Posting for Employees
Record Retention Obligations
Sample Employee Communication

Who Should Attend?
HR, senior leaders, compliance, audit and bank counsel.

Presenter
Steve Greene specializes in employment litigation, employee benefit issues and compensation matters for community banks. Steve founded Employment Law Compliance twenty years ago to support community banks. He regularly speaks to employment lawyers and human resources professionals in the banking industry. During the past 35 years, Steve has assisted financial institutions evaluate compliance obligations and has managed federal and state regulatory investigations and litigation across the country. His work has also includes working with the American Bankers Association and other industry associations to influence the DOL and Congress.

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

The Commercial Loan Documentation checklist typically lists “Evidence of Insurance”. Don’t check that off your list without making sure you have reviewed the Certificate of Insurance and assessed your borrower’s coverage. This fast-paced program will discuss the many different types of insurance coverage for commercial businesses including those which can be included in the general terms “comprehensive” and “general liability” as well as specialized types of coverage based on the business sector in which your borrower operates. Collateral protection insurance, including valuation of a loss claim, co-insurance requirements and contractual provisions addressing the lender’s right to proceeds will be covered. Issues such as deductibles and self-insurance will be discussed. The methods for obtaining and perfecting liens on insurance policies and insurance proceeds, including key person life insurance, will also be reviewed.

What You Will Learn
Reasons for Requiring Insurance
Governmental Insurance Requirements
Commercial Property Insurance: Claims and Common Exclusions
Deductibles
The Lender’s Security Interest in Policies and Proceeds
Claim of Lender as Lender’s Loss Payee or Co-Loss Payee
Co-Insurance Issues and Reductions
Green Insurance
Flood Insurance
Lease Insurance: Residual Value and Enhancement
Self-Insurance
Commercial General Liability (CGL): Coverage A, B and C
Business Interruption Insurance
Professional Liability Insurance
Errors and Omissions Policies
Coverage for Officers & Directors
Employment Practices Liability Insurance (EPLI)
Data Breach & Cyber Liability Insurance
Coverage for Business Autos
Examples of Optimum Coverage for Various Types of Commercial Businesses
Certificates of Insurance and Borrower Reporting Requirements
Key Person Life Insurance

Who Should Attend?
This program will benefit commercial loan officers, as well as compliance and loan documentation team members.

Presenter
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.

For 27 years, Anthony Cole Training Group has been helping banks and other financial service organizations close their sales opportunity gap by helping them sell better, coach better and hire better. Our Mission: Grow People, Grow Organizations.

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

The past few years have seen significant developments in real estate appraisals and evaluation rules and regulations. Revised Interagency Guidelines and new rules under Reg Z have been issued, and we’ve seen additional requirements finalized recently due to Dodd-Frank. Just in the last year we’ve seen significant proposed and final regulations changing some thresholds and proposing some additional exceptions from the requirement. In some cases (called “flipping transactions”), lenders will even have to obtain two appraisals on the same property for one loan.

Because breakdowns in appraisal practices have been partly blamed for the mortgage crisis, regulators raised their expectations; lenders’ appraisal and evaluation programs must include more elements than ever before. Some themes now emphasized by the agencies are independence of the appraiser, and evaluator, reviews, and qualifications.

There are also restrictions against using AVMs (automated valuation models), BPOs (broker price opinions), and tax valuations that have upset many in the industry.

Do you know the requirements? We’ll provide in-depth details of the appraisal and valuation process, from both the lender and appraiser side of the game, to provide a thorough understanding of what is required and what you need.

Covered Topics
New rules and proposals around exemptions, threshold amounts, and appraisals in rural areas
CFPB mortgage regulations under Reg Z – additional requirements for certain loan types
Regulations and Interagency Guidelines – requirements for lenders and brokers
Clarified independence requirements and their importance to examiners
The many forms of appraisals and evaluations – what can you use and when? AVMs and BPOs aren’t what they used to be
Can you accept a previous appraisal? Dealing with “readdressed” and “transferred” appraisals
USPAP rules and standards – how do appraiser rules influence what lenders must do?
How to achieve appraiser independence – you’ve got to prove it
Anti-coercion and undue influence provisions of Reg Z – what can you NOT do (or say)?

Who Should Attend?
Real estate lenders, compliance officers, auditors, underwriters, appraisers (in-house or external), closing agents, management, and anyone else involved in the real estate or residential lending process with a need to understand the current state of appraisal regulation and requirements.

Presenter
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

This webinar will take a deep dive into the proposal that will implement the small business data collection and reporting requirements found in Section 1071 of the Dodd-Frank Act. This rule will have a major impact within the commercial lending areas of most financial institutions. Start planning today!

This proposal requires covered institutions to collect and report certain data for small business credit applications. This includes information specific to the credit request, such as the purpose and amount; information specific to the business, such as the number of workers and time in business; and information on the demographics of the principal owners or ownership status. This data would need to be reported annually to the CFPB.

While this is still a proposal, it will happen. Now is the time to learn what you can about the proposed requirements and what the potential impact will be to your institution.

What You Will Learn

Does the Rule Apply to Your Financial Institution?
Covered Applications, Transactions & Exclusions in Detail
What is a Small Business?
Detailed Breakdown of the Required Data
Recommendations for Your CMS, Change Management & Action Plan
Proposed Effective Dates & Mandatory Compliance Dates
Your Questions, Plain English Answers & Much More

Who Should Attend?

This webinar is designed for the management, compliance officers, auditors, loan officers, loan processors 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 Plus Five (days) – $265
OnDemand Recording – $295
CD-ROM – $345
Live Plus Six (months) – $365
Premier Package – $395

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

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

Covered Topics

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

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

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

Registration Options

Live 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

Fintech companies are dramatically changing the financial services industry. Many community banks are entering into business relationships with fintech companies to provide innovative products to enhance customer satisfaction, increase the bank’s efficiency, and reduce costs. Due diligence and risk evaluation have always been important components in a bank’s third-party risk management process, and this is especially important when “partnering” with fintech companies. This webinar will detail the specific items that bank regulators require you to consider when conducting due diligence and evaluating a fintech company. You’ll also learn the practical business issues to address when entering into such a relationship.

Attendance certificate provided to self-report CE credits.

AFTER THIS WEBINAR YOU’LL BE ABLE TO:
Understand the regulatory and legal requirements of partnering with a fintech company
Explain both the bank and the fintech company’s roles and responsibilities in their relationship
Conduct the required regulatory due diligence
Properly evaluate the risks and benefits before entering into a relationship
Create the best relationship structure with a fintech company
Negotiate with a fintech company to obtain favorable contract terms

WHO SHOULD ATTEND?
This informative session will benefit bank management, loan and deposit operations personnel, technology staff, new product staff, vendor management personnel, compliance officers, auditors, attorneys, and others involved in the strategic planning, due diligence, and evaluation processes.

TAKE-AWAY TOOLKIT
Guide for community banks (published by the FDIC, OCC, and Federal Reserve) titled Conducting Due Diligence on Financial Technology Companies – A Guide for Community Banks
Due diligence checklist specifically designed to evaluate fintech companies
Employee training log
Interactive quiz

NOTE: All materials are subject to copyright. Transmission, retransmission, or republishing of any webinar to other institutions or those not employed by your financial institution is prohibited. Print materials may be copied for eligible participants only.

MEET THE 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. Elizabeth 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

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

Outsourced Third Party (Vendor) Risk Management is a top priority with the regulators. Therefore, ensuring your Program is not only going to be effective but also meet with their expectations needs to be a priority for financial institutions. When you outsource, you are placing your confidential customer information in someone else’s hands along with the availability and security of that information, but you still retain the responsibility for ensuring the integrity, confidentiality, availability and security of the information making this Program a crucial part of your overall Information and Cyber Security Program.

Demonstrating the importance of this Program, the OCC and the FRB both issued updated guidance relating to third party relationships in October and December of 2013, respectively while the FDIC reissued its Technology Outsourcing Informational Tools in April of 2014. Then on February 6, 2015, the FFIEC released an update to the Business Continuity Planning Handbook adding Appendix J: Strengthening the Resilience of Outsourced Technology Services. On November 14, 2019, a revised Business Continuity Planning handbook was released that addresses: Third Party Management, Third Party Capacity, Testing with Third-Party Technology Service Providers, and Cyber Resilience. The FFIEC Cybersecurity Assessment Tool (CAT) also includes declarative statements relating to Outsourced Third Party Risk Management practices. Susan Orr has assisted numerous institutions with developing their Outsourced Third Party Risk Management Program and will share her insights into developing an effective program in this webinar.

What You Will Learn
FFIEC agencies expectations for your Program
The latest guidance:
November 2019 BCP Handbook
Appendix D of the FFIEC Outsourced Technology Services Handbook
FFIEC Supervision of Technology Service Providers, September 2012
FDIC April 2014 Tools to Manage Technology Providers Informational Brochures
OCC October 2013 Third Party Relationships
FRB December 2013 Guidance on Managing Outsourcing Risk
Classification and Risk Rating criteria
Required Program elements and essentials
Responsibilities
Needs Assessment
Due Diligence/Selection
Contracting
Risk Assessing
Oversight

Who Should Attend?
Senior Management, Information Security Officers, Compliance Officers, Risk Managers, IT Managers, Operations Managers.

Presenter
Susan Orr is a leading financial services expert with vast regulatory, risk management, and security best practice knowledge and expertise.

As an auditor and consultant, Susan is dedicated to assisting financial institutions in implementing appropriate policies and controls to protect confidential information and comply with regulatory mandates and best practices. Her expertise as an auditor and former examiner provides her the knowledge and expertise to conduct comprehensive IT general control and data security reviews and assist banks in developing and updating policies and procedures and risk assessments, performing third party risk management, and facilitating testing and training. Susan is a Certified Information Systems Auditor (CISA), Certified Information Security Manager (CISM), Certified in Risk and Information Systems Control (CRISC).

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

Financial institutions are required to file Form 1099-A and/or Form 1099-C when foreclosing or repossessing collateral and when forgiving or cancelling debt. For example, Form 1099-A must be filed when foreclosing on collateral (but there are many exceptions that you need to know), and Form 1099-C must be filed when cancelling a debt. And these rules apply even though your institution hasn’t actually forgiven the debt. Join us to learn how, when, and what to report on Form 1099-A and Form 1099-C – line by line.

Attendance certificate provided to self-report CE credits.

AFTER THIS WEBINAR YOU’LL BE ABLE TO:
Properly complete Form 1099-A: Acquisition or Abandonment of Secured Property and Form 1099-C: Cancellation of Debt
Understand which forms must be filed when foreclosing on real property versus repossessing personal property – and the exclusions
Explain the process if the property isn’t acquired at a foreclosure sale
Distinguish what constitutes cancellation of debt for purposes of Form 1099-C
Handle debtors who file bankruptcy

WHO SHOULD ATTEND?
This informative session will be useful for all loan operations personnel, accounting clerks, tax personnel, accountants, management, compliance officers, auditors, and attorneys.

TAKE-AWAY TOOLKIT
IRS General Instructions for Certain Information Returns
IRS Instructions for Forms 1099-A and 1099-C
Employee training log
Interactive quiz

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

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

Attendance certificate provided to self-report CE credits.

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

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

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

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

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

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

Risk assessments are an essential element of overall risk management along with providing the basis for many of your policies, plans, and programs like your information security program, audit program, and business continuity plan. The basis for the risk assessment mandated by GLBA in 2000 was initially thought to be oriented to IT, thus the requirement for an IT Risk Assessment after all it is the IT examiners that are evaluating it. However, today the focus has shifted to an enterprise-wide information security risk assessment that encompasses the entire organization where IT is a key component. Even today, the content of this risk assessment continues to cause some confusion and the fact that the regulators do not prescribe to any specific format, only content, many organizations are finding their assessment being criticized during their exams and audits; and then add the requirement for a cyber security risk assessment to the mix! How can anyone keep it all straight?

Performing risk assessments is a prominent requirement with just about everything you do today. A properly structured enterprise-wide information security risk assessment will not only help you focus your resources and budget dollars where they are needed, but provide the basis for your information security program and IT audit program. The right approach will also get you off to a running start on your all those other risk assessments you need to complete. This presentation will provide an approach for developing an enterprise-wide information security risk assessment and a framework that can be adapted to the other numerous risk assessments now required.

What You Will Learn
What is meant by enterprise-wide?
Where do I start?
Can I outsource the risk assessment?
Is there an approved format or template?
Understanding the difference between IT and enterprise-wide risk assessments
Simplifying the approach
Developing a matrix

Who Should Attend?
Anyone responsible for developing a risk assessment or leading a risk assessment team.

Presenter
Susan Orr is a leading financial services expert with vast regulatory, risk management, and security best practice knowledge and expertise.

As an auditor and consultant, Susan is dedicated to assisting financial institutions in implementing appropriate policies and controls to protect confidential information and comply with regulatory mandates and best practices. Her expertise as an auditor and former examiner provides her the knowledge and expertise to conduct comprehensive IT general control and data security reviews and assist banks in developing and updating policies and procedures and risk assessments, performing third party risk management, and facilitating testing and training. Susan is a Certified Information Systems Auditor (CISA), Certified Information Security Manager (CISM), Certified in Risk and Information Systems Control (CRISC).

You may contact Susan by phone or email: 630.248.7788 or susan@susanorrconsulting.com

Registration Options

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