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

Checks are going away, right? Not so fast! Many people still use them — or receive them. Does your financial institution offer RDC as a convenience to your accountholders? Do you know what to do when a check is presented twice? Get the goods about remote deposit capture procedures and risks with this timely webinar.

After This Webinar You’ll Be Able To:

  • Distinguish between mobile and desktop services
  • Understand the regulations and guidance relating to remote deposit capture (RDC)
  • Define risk mitigation steps your financial institution can take
  • Explain the options when a check has been presented more than once
  • Clarify the responsibilities relating to the RDC indemnity

This course is eligible for 1.8 AAP/APRP credits.

Webinar Details
We keep hearing that checks are going away, but that just isn’t true. They are still around and may even be the preferred method of payment for some accountholders. Offering remote and mobile deposit capture of checks allows accountholders to keep banking with you even when they move or get a check in the mail. Learn the differences between mobile and desktop services, risk mitigation, duplicate deposits, and much more.

Who Should Attend?
This informative session is ideal for check operations staff, NCP candidates, auditors, compliance staff, and product managers.

Take-Away Toolkit

  • Sample RDC risk management policy
  • Employee training log
  • Interactive quiz
  • PDF of slides and speaker’s contact info for follow-up questions
  • Attendance certificate provided to self-report CE credits

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

Presenter
Michele Barlow. AAP, NCP – Macha/PAR

Michele Barlow is the Senior Vice President at Macha/PAR (Everything Payments, Everywhere), with offices in Wisconsin and Maryland. Before joining the Macha team in 2009, Barlow spent several years as a corporate trainer in the financial industry. She is responsible for development and execution of association training and certification programs, conference planning, and member service. Barlow is a past member of NACHA’s Blue Ribbon Panel and currently serves on the APRP Oversight Panel, the Payments Institute Board of Regents, and Nacha’s LMS Editorial Board. She is active on other national committees, and a frequent speaker at industry events. She obtained her AAP certification in 2010, her NCP in 2011, and became an NCP Certified Trainer in 2012. Barlow holds a bachelor’s from the University of Wisconsin.

Registration Options

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

Congress enacted the Children’s Online Privacy Protection Act (COPPA) in 1998. COPPA required the Federal Trade Commission to issue and enforce regulations concerning children’s online privacy. The Commission’s original COPPA Rule became effective on April 21, 2000. The Commission published an amended Rule on January 17, 2013. The amended Rule took effect on July 1, 2013.

The primary goal of COPPA is to place parents in control over what information is collected from their young children online. The Rule was designed to protect children under the age of 13 while accounting for the dynamic nature of the Internet. The Rule applies to operators of commercial websites and online services (including mobile apps and IoT devices, such as smart toys) directed to children under 13 that collect, use, or disclose personal information from children, or on whose behalf such information is collected or maintained (such as when personal information is collected by an ad network to serve targeted advertising). The Rule also applies to operators of general audience websites or online services with actual knowledge that they are collecting, using, or disclosing personal information from children under 13, and to websites or online services that have actual knowledge that they are collecting personal information directly from users of another website or online service directed to children.

What You’ll Learn

  • 8 basic items you must do to comply
  • What is personal information?
  • What types of online services are affected by COPPA
  • Who enforces COPPA?
  • Does this apply to online banking, mobile apps, and online account opening?
  • What if the customer lies about their age?
  • What disclosures are required? When do we have to tell parents?
  • Learn more about COPPA and its requirements for our financial institutions

Who Should Attend
Compliance officers, Deposit Operations, Management, Training, Branch Operations, and Branch Staff.

Presenter
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 + Digital Download +$140
    • 12 Months OnDemand Playback + CD + $140
    • Additional Live Access + $75 per person

Everyone is in on cryptocurrencies whether you know it or not. Have you done your risk assessment? Made an action plan? Know how to look for red flags? Do you know how to apply the travel rule? If not, this program is for you. This program is designed for community banks that are being affected by virtual currency at some level.

What You’ll Learn

  • Presidential Executive Order
  • Risk Assessment
  • Action Plan
  • Red Flags for Money Laundering and Terrorist Financing
  • Block Chain Analysis — catching the crooks
  • Filing SARS on crypto
  • Notifying your regulator

Who Should Attend
BSA Officers and Staff, Compliance, Deposit Operations, and Trainers.

Presenter
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 + Digital Download +$140
    • 12 Months OnDemand Playback + CD + $140
    • Additional Live Access + $75 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

A violent bank robbery has left someone hurt or killed. Law enforcement and medical personnel have taken control of your banking office. Management wants to know what you are doing to contain the situation. What does the Security Officer say to the press, family, or the public? This session will familiarize you with the steps you should take after such an incident occurs. This illuminating program will provide you with valuable information on how to handle this most difficult situation.

What You’ll Learn

  • Learn how to “Harden the Target!”
  • Know how to get your bank back to work!
  • The steps to take immediately after a robbery to comfort staff.
  • The aftermath of a robbery may cause mental problems for staff to know the warning signs!
  • Review the factors that will help prevent a robbery before it happens
  • Know how to work with law enforcement in a crisis situation.

Who Should Attend
Anyone of your staff who will be involved with a bank robbery event.

Instructor Bio
Arvin is a natioClar nally known instructor in security, police operations, and economic crime. He has been a speaker for many organizations, corporations, and trade groups, and has conducted security evaluations and assessments of financial institutions throughout the United States. His nearly 40 years of experience in the fields of risk assessment and analysis in the financial services industry and premises security and safety issues includes: evaluating the level of appropriate safety and security, professional investigation services, violent criminal acts, security survey and analysis, accident investigation, the investigation of fraud and financial crime, and the design of security systems for financial institutions.

Prior to joining Thompson Consulting Group, Arvin served with the Cleveland Police Department for over 29 years, where he served as a detective in the Financial Crimes Unit. Clar was responsible for the investigations of thousands of financial crime cases and prepared and presented these cases for state and federal prosecution.

Clar’s additional experience includes over 35 years of lecturing at the college-level on courses of Criminal Justice, Criminology, and Criminal Investigation and over 17 years of serving as a Bank Protection Coordinator for a large, regional bank where he oversaw the safety and investigation of fraud issues of 750 banking branches throughout five states.

Mr. Clar has been published in several national magazines regarding security, fraud, and investigations. He has authored training programs for bank robbery and identity theft and has been a featured guest on National Public Radio.

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 you write a good narrative, your SAR may be used by law enforcement. If you don’t, it may get passed by and your subject gets away. Learn what the instructions tell us to do. 24 key areas in the instructions help us focus on what is important to the overall SAR success.

What You’ll Learn

  • The narrative is where you complete what could not be done in the body of the SAR
  • The narrative is where we describe the who, what, where, when of the crime
  • The narrative is where we follow the 24 point process required in the instructions
  • Writing a good narrative
  • Are you making rookie mistakes

Who Should Attend
BSA Officers, BSA Support personnel, Deposit Operations, Compliance Officer, Branch Operations

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

This is a look-see at what has passed and what is to come. Learn more in this incredible catch-all program for those of you on the deposit side of the compliance and operations area.

What You’ll Learn

  • FDIC Insurance Changes on Trusts
  • CFPB released on March 16 a statement that discrimination issues could apply to trusts
  • The good, the bad, and the ugly about overdrafts
  • Regulation DD/TISA Update and Review
  • Hot Spots on Regulation E continue
  • Beneficial Ownership proposed changes, if any
  • IRA Changes and Year End Issues
  • OFAC what you need to know and do

Who Should Attend?
Deposit Compliance, Deposit Operations, Training, Branch Staff and Senior Management

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

This program is designed to update you and help you complete an ODP checkup on your program before the examiners get there. Whether you are automated or ad hoc, whether you are FDIC or OCC examined, there are some themes and specific things the examiners will target in the examination process this year. We will look at litigation, federal laws, state law issues and other ODP “hotspots” in this regulatory environment.

What You’ll Learn

  • Your ODP program and whether it will pass the test – checklist for exams
  • Regulation E, Reg DD, and State Laws
  • 2005 JT Guidance, 2010 FDIC Guidance, and OCC’s take on ODP
  • Dynamic versus Static Programs
  • Re-presentment of ACH and Checks
  • Debit Card settlement and second fees
  • Transfers of Savings, when savings runs out
  • Fees and consistency
  • And much, much more…

Who Should Attend
This informative session is designed for the compliance area, deposit operations, and management who are responsible for implementing a fair and compliant Overdraft Program.

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

On September 29, the Financial Crimes Enforcement Network (FinCEN) issued a final rule implementing the bipartisan Corporate Transparency Act’s (CTA) beneficial ownership information (BOI) reporting provisions. The rule will enhance the ability of FinCEN and other agencies to protect U.S. national security and the U.S. financial system from illicit use and provide essential information to national security, intelligence, and law enforcement agencies; state, local, and Tribal officials; and financial institutions to help prevent drug traffickers, fraudsters, corrupt actors such as oligarchs, and proliferators from laundering or hiding money and other assets in the United States.

The rule describes who must file a BOI report, what information must be reported, and when a report is due. Specifically, the rule requires reporting companies to file reports with FinCEN that identify two categories of individuals: (1) the beneficial owners of the entity; and (2) the company applicants of the entity.

What You’ll Learn

  • Who is a reporting company?
  • What are the exemptions from reporting?
  • Detailed analysis of what is a substantial owner
  • Detailed analysis of who is a 25% owner
  • Two types of company applicants
  • Four pieces of information that have to be provided
  • How the FinCEN identifier will be issued
  • Timing and the next steps for implementation

Who Should Attend
BSA Officers, BSA Staff, Training, Compliance, Operations.

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