Events

This 4-part series will be held December 8, 2022. January 17 & 31, 2023, and February 7, 2023.

In Part 1, we will look at the federal and state laws that underlie our consumer accounts.

In Part 2, we will cover: what is a fiduciary, how they are supposed to behave, and what is acting in the best interests of the owner.

In Part 3, we will discuss how every state is unique in its estate issues and affidavits at death. Learn what is involved in a small succession.

In Part 4, we will look at what the secretary of state requires when opening business accounts.

Included Webinars

Series Details

New Accounts Study Part 1: Consumer Accounts
December 8, 2022, 1:30 pm CST
During this session, we will look at the federal and state laws that underly our consumer accounts.

What You’ll Learn

  • Customer Identification Program
  • Customer Due Diligence
  • W9-and W-8 Review of our tax reporting requirements
  • Implementing interest reporting rules on Nonresident Aliens
  • Individual Ownership
  • Joint Ownership
  • Payable on Death
  • Powers of Attorney
  • Removing Names at divorce and death
  • Changing Ownership during our customer’s life cycle
  • Signature Card Danger Zones
  • Disclosures — When to give which disclosures for consumers

New Accounts Study Part 2: When One Person Acts for Another – Fiduciary Accounts
January 17, 2023, 1:30 pm CST
What is a fiduciary? How are they supposed to behave? What is acting in the best interests of the owner?

What You’ll Learn

  • Uniform Transfer to Minors Account
  • Guardian Account
  • Conservator Account
  • Social Security Representative Payee Account
  • Social Security Rep Payee — Dedicated Account
  • Social Security Rep Payee — Burial Account
  • Social Security Rep Payee — Collective Account
  • Veterans Federal Fiduciary Account
  • Formal Revocable Trust Account
  • Formal Irrevocable Trust Account
  • Bankruptcy Accounts
  • Quiz

New Accounts Study Part 3: When Your Customer Dies – Estates and Small Estate Affidavits
January 31, 2023, 1:30 pm CST
Every state is unique in its estate issues and affidavits at death. Learn what is involved in a small succession.

What You’ll Learn

  • Small estate affidavit
  • Opening an Estate Account
  • Can you pay a funeral home?
  • What happens with each account ownership at death
  • Handling checks at death
  • Who can do what when your account holder dies

New Accounts Study Part 4: Working through the Maze of Business and Nonprofit Accounts
February 7, 2023, 1:30 pm CST
During our business account training, we will look at what the secretary of state requires when opening business accounts.

What You’ll Learn

  • Sole Proprietorship
  • 3 types of Partnerships
  • Limited Liability Company
  • Corporations
  • Nonprofit Corporations
  • Nonprofit Organizations
  • IOLTA Accounts
  • Agent Accounts
  • Money Service Business
  • Multi-tiered Businesses

Who Should Attend
Customer service representatives, personal bankers, call center representatives, branch managers, tellers, branch operations, and training.

Presenter Bio

Deborah Crawford is the president of Gettechnical Inc., a Florida 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 35+ years of combined teaching and banking experience.

Registration Options

Live Access, 30 Days OnDemand Playback, Presenter Materials and Handouts $1049

  • Available Upgrades:
    • 12 Months OnDemand Playback + $340
    • 12 Months OnDemand Playback + Digital Download + $460
    • 12 Months OnDemand Playback + CD + $460
    • Additional Live Access + $275 per person

In 2002, the EGTRRA changed the non-spouse beneficiary payout from a 5-year payout option to a single life expectancy option. After 17 years, the IRS realized it’s taking them a lot longer to collect revenue from those beneficiaries.

In December 2019, the SECURE Act was signed into law which said that effective for owners who die in 2020 and later, most non-spouse beneficiaries have to have their Inherited IRA closed in 10 years – with optional distributions the first 9 years. Oops! The IRS intention was not to do without this revenue the first 9 years.

In February 2022, the “Proposed Regulations” were released — supposedly to take effect for 2022 death RMDs — to reverse that and have the beneficiary distribution rules similar to a hybrid between the pre-SECURE Act and post-SECURE Act. Following me so far? Then because there were a lot of negative comments about the rule change, the IRS said, “Never mind. We’ll worry about this next year.”  This is an invaluable 90 minute webinar you must attend to find out what the beneficiary options are before the end of this year and moving forward. There will be plenty of time for Q&As at the end of the class.

What You’ll Learn

  • What are the 3 categories of beneficiaries created by the SECURE Act to determine payout options?
  • Do beneficiaries of owners who died beginning in 2020 have to start distributions or not?
  • What choices do beneficiaries have if they took a distribution this year and now find out they may not have to?
  • What happens to the 2021 and 2022 RMD death distributions if this takes effect in 2023?
  • When does the 10-year payout start for beneficiaries in existing single life payout?
  • What options do “successor beneficiaries” have?
  • And what about the Multi-Beneficiary Trusts — Type I and Type II? Qualified vs. Non-Qualified? See-through or not?

Who Should Attend
All employees who are responsible for answering client questions about IRAs and the death of IRA owners including CSRs, Operations, Call Center, Trust and Investment personnel who need a clear understanding of the most recent changes.

Presenter

Patrice M. Konarik is president of Sunwest Training Corp. founded over 25 years ago and is located in the Texas Hill Country near San Antonio, Texas. With over 35 years in the financial industry, Konarik has focused her expertise on the retirement account area and is currently providing live training and Webinars on IRAs and Health Savings Accounts on a nationwide basis. She has a BS in Management Science from New York’s Binghamton University. Many state banking associations and other organizations use her as their main source for training on these complicated topics.

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

Overdrafts are certainly an area we’ve heard a lot about lately. Even though there is no new regulatory guidance per se, we’re seeing many institutions eliminating overdraft fees (and NSF fee as well) entirely. Is this something every institution should consider? Not necessarily, but it is important to understand exactly what is at issue and how to manage your program.

In this session, we’ll discuss the various types of overdraft programs out there, as well as the many statements and guidance from regulatory agencies over the past few years. We’ll also talk about risk management, particularly around consumer protection and UDAP/UDAAP. We’ll discuss some best practices to ensure your program is doing exactly what you expect it to be doing, and how to handle the many risks that come with this timely topic.

What You’ll Learn

  • Should we eliminate overdraft (and/or NSF) fees?
  • Discussions in Congress and at the regulatory agencies
  • Overdraft reform from the OCC, CFPB, and others
  • Overdrafts as UDAP/UDAAP?
  • Differences between overdraft and NSF
  • Different types of overdraft programs and their risks
  • Compliance risks of overdrafts according to various regulations
  • Making the right decisions for your institution

Who Should Attend
The program is designed for Compliance professionals and Officers, Auditors, risk managers, and anyone else in the institution responsible for making important risk decisions for the institution around overdraft programs.

Instructor Bio
Carl Pry is a Certified Regulatory Compliance Manager (CRCM) and Certified Risk Professional (CRP) who is a Managing Director for Treliant Risk Advisors in Washington, D.C. 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

We will look at the red flags and scenarios for Elder Abuse, Identity Theft, Business Email Compromise Schemes, and Human Trafficking. We will look at the misuse of POAs, Cash, Fake Emails, Romantic Scams, and more. Learn what the response of your financial institution should be when these activities hit our accounts and our customers. Two of the most disturbing crimes in our country which involve harm to those who are being smuggled into the country and then those who are exploited by human trafficking. Learn how big the crime is in the U.S. and what our response should be. Learn what the differences in these two crimes are and how we can detect these criminals in the banking system.

What You’ll Learn

  • Red Flags for Elder Abuse
  • Privacy Issues in Elder Fraud
  • Romantic Scams, POAs, debit card abuse in elders
  • Identity Theft programs
  • Use of ITIN after SSN
  • Stealing purses and writing bad checks is back
  • How to detect bad identification
  • New Cyber Crimes on the New SAR are focused on business email attacks and compromises
  • Learn how good wire procedures can prevent this
  • Human trafficking
  • Human smuggling
  • Learn how your customers hide and disguise transactions
  • Filing Suspicious Activity Reports

Who Should Attend
All branch personnel, tellers, new accounts, loan officers and call centers who help and protect our customers.

Instructor Bio
Deborah Crawford is the President of Gettechnical Inc., a Florida 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 35+ 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

This program covers important legal issues and concepts which must be understood and consistently applied to enforce the bank’s liens and other legal rights, avoid litigation, and better serve customers. The goal is to provide an opportunity to learn or confirm your understanding of a variety of legal issues lending personnel deal with daily.

What You’ll Learn

  • Loan Documents as Contracts
  • Purpose and Structure of Loan Agreements, Security Agreements, Borrowing Base Certificates and Other Loan Documents
  • The rules of Offset/Setoff
  • Course of Dealing: Defaults and Waivers
  • Priority of Liens and Payment
  • Due Authorization: Legal Entities & Signature Requirements
  • UCC Filings: Best Practices and Common Errors
  • Guaranties: Requirements, Rights and Risks
  • How Your Rights Change in Bankruptcy: Special Issues for Banks
  • Care and Keeping of Collateral in the Possession of the Bank
  • Avoiding Conduct that Leads to Litigation

Who Should Attend
This program is designed for lenders, their support staff, and loan quality personnel at all levels.

Instructor Bio
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.

Russell 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. Russell 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 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

We will cover all the 2022 changes to deposit accounts, and recap what needs to be done this year. We will also look at the status of pending legislation and continuing challenges facing the deposit side of the financial institution. We will cover Regulation D, E, CC, DD and the hot topics that surround these regulations. We will also examine the new supervisory issues, FDIC insurance issues, exam hot spots and everything that deposit compliance officers need to do their jobs in 2022.

What You’ll Learn

  • FDIC Insurance Changes
  • Overdraft Programs
  • UDAAP
  • Marijuana and Hemp Update
  • Handling time deposits — renewals, partial withdrawals
  • Who needs a NOW account when we have interest-bearing DDA
  • Error Resolution — Reg E New FAQs
  • Deceased Accounts
  • Tax reporting, B Notices and penalties
  • Nonresident alien interest reporting and W-8BENs

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.

Instructor Bio
Deborah Crawford is the president of Gettechnical Inc., a Florida 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 35+ years of combined teaching and banking experience.

Registration Options

Live Stream: Includes access to the recording for 12 months:  $1049

Have you ever avoided a tough conversation because you don’t like conflict? Congratulations, you are among friends. Most people don’t jump out of bed in the morning thinking, “I hope I get into some conflict today!” Yet, many leaders avoid tough conversations for multiple reasons, generally boiling down to fear. Fear of the person’s reaction, hurting feelings, being taken advantage of, or the desire to be liked can get in the way of productive and courageous communication. If you could release that fear and build your courage muscles, would you be willing to learn new skills and commit to taking new action? If yes, join Karen Butcher, communication coach and trainer, for this engaging 1.5-hour session on Courageous Conversations.

What You’ll Learn

  • Explore and experience the art of self-evaluation
  • Discover the impact of ego on leadership effectiveness
  • Recognize leadership rights and responsibilities
  • Acknowledge the damage of gossip and venting
  • Face fear and transition to courage
  • Embrace curiosity, drop judgment, and remain neutral
  • Commit to practicing tough conversations
  • Identify tools and resources to inspire and sustain courageous conversations

Who Should Attend
Everyone! Conflict is inevitable and we can all learn to be more effective in tough conversations.

Presenter Bio
Karen Butcher is a former teacher, Mary Kay Sales Director, and trainer whose career journey led her to leave the corporate world to train and coach women and men who want to elevate their leadership skills, lead productive teams, and achieve their goals. Butcher is a Certified Bank Training Professional who earned her credential in 2016. She is a Senior Training Consultant for Interaction Training and travels the country facilitating bank supervisor training. Attendees appreciate her hands-on approach to offering tools to coach and lead teams.

In addition, Butcher works with Leadership Kentucky as the program coordinator for BRIGHT Kentucky, a new program for young professionals in the 54 counties of the Appalachian Regional Commission.

Butcher’s passion for people is evident and she knows what is required to become a leader who people want to follow. She believes it’s time for a new leadership philosophy where leaders hold themselves and their teams accountable and let go of outdated practices.

Registration Options

Live Access, 30 Days OnDemand Playback, Presenter Materials and Handouts $279

  • Available Upgrades:
    • 12 Months OnDemand Playback + $110
    • 12 Months OnDemand Playback + Digital Download + $140
    • 12 Months OnDemand Playback + CD + $140
    • Additional Live Access + $75 per person

If ACH is a product that you are selling or want to sell, and ACH is new to you, you’ll want to join us for this webinar. We’ll help you understand what ACH is and how it works. You have the responsibility to choose wisely when offering ACH Origination services to your customers. Within the ACH Rules, the Originator and Originating Bank carry most of the risk. Know what your responsibilities are and how to manage your risk.

What You’ll Learn

  • What is ACH
  • Good customers for ACH
  • Most used ACH products
  • ACH Rules around the products
  • Managing your ACH Risk

Who Should Attend
This course is designed for lenders, senior staff, cash managers, operations staff with limited knowledge of ACH, and those that are interested in gaining knowledge on ACH origination and risk.

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

Registration 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

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

Covered Topics

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

Training Day Agenda (Subject to Change)

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

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

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

Registration

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

Your account holder, the federal government or the court has named someone legally to act on his or her behalf. Now what? What can these caregivers and fiduciaries do? What supporting paperwork must each bring? During this program we will review the set-up, documentation and legal issues involved in these high- risk accounts. You will learn how to style these accounts and get the signature card perfect every time.

Covered Topics

  • Different types of power of attorney documents
  • What an attorney-in-fact can and can’t do
  • Adding an attorney-in-fact to an account
  • When do POAs cease
  • Guardianships—court ordered accounts and documentation
  • Do’s and don’ts on guardianships
  • How to set up guardianship accounts
  • Estate Accounts: Letters of Testamentary and Letters of Administration
  • Answers to common questions on how to set-up and handle accounts at death
  • Executors, Guardians, Power of attorney and other caregivers—authority, liability and paperwork
  • Social security representative payee and veteran accounts
  • Government benefit accounts signature card set up
  • CIP requirements on all fiduciary accounts

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