Tag Archive for: Risk Management

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BSA/AML & OFAC Compliance: Three Part Series

In this 3-part series, we’ll delve into every aspect of BSA and OFAC compliance, from program expectations, risk assessments, CTRs, SARs, CDD, EDD, beneficial owner rules, and much more. We’ll also talk about where the risk areas are and where examiners are criticizing institutions. Your comprehensive program must be continually updated, and we’ll make sure you have the information you need to meet expectations.

Some people might think that regulatory attention to the Bank Secrecy Act (BSA) had decreased over the past couple of years, given other difficulties and areas of concern, such as fair lending, TRID, HMDA, and UDAP. Think again. With the safety and soundness of the entire industry the focus of news stories every day and many well-publicized enforcement actions, the regulators obviously haven’t eased up. These rules are still very close to being the #1 issue facing compliance officers. This is a timely topic, as provisions of the National Defense Authorization Act (NDAA) promised to change several aspects of the BSA over the coming years, including the Beneficial Owner rules as well as incorporating AML/CFT priorities into institutions’ BSA policies. The rulemaking processes for these changes is already underway.

Included Webinars

  • BSA/AML & OFAC Compliance: Part 1
  • BSA/AML & OFAC Compliance: Part 2
  • BSA/AML & OFAC Compliance: Part 3

Series Details

BSA/AML & OFAC Compliance: Part 1
April 12, 2023, 10:00 am CDT
What You’ll Learn

  • Latest legislative and regulatory developments
  • Valuable resources
  • Purpose of the Bank Secrecy Act (BSA)
  • BSA program requirements, including the 4 (5?) pillars
  • The BSA risk assessment process – critical tool for compliance
  • Factors and methodology of BSA risk assessment
  • Currency Transaction Reporting (CTR) – hotspots and details, including exemptions

BSA/AML & OFAC Compliance: Part 2
April 27, 2023, 10:00 am CDT
What You’ll Learn

  • Suspicious Activity Reporting – the backbone of an effective BSA program
  • Customer Identification Program (CIP) requirements
  • Due diligence responsibilities, including Customer Due Diligence (CDD) – Know Your Customer
  • Beneficial Ownership rules – where we stand now and what will be changing
  • Enhanced Due Diligence (EDD) for high-risk customers
  • Money Services Businesses (MSBs) – a special type of customer
  • Selling monetary instruments for cash – collecting and retaining information
  • Funds transfer recordkeeping – more information collection

BSA/AML & OFAC Compliance: Part 3
May 10, 2023, 10:00 am CDT
What You’ll Learn

  • Information sharing provisions under the USAPA
  • Marijuana and hemp banking
  • Elder abuse
  • Human trafficking
  • Digital currencies and related issues
  • Identifying customers and maintaining proper evidence under CIP rules
  • BSA enforcement and penalties
  • OFAC rules – who and what to screen?
  • Blocked & rejected transactions – what’s the difference and how do I know which to do?
  • Handling sanction programs compliance

Who Should Attend
These rules impact anyone in your institution who has direct dealings with customers, such as Customer Service Representatives and tellers. But others are impacted as well, like loan officers and others who make important customer-related decisions. Compliance officers, auditors, attorneys, and management too will benefit from this information, as well, as they often are the ones who must draft these complex programs, administer them, and audit them.

Presenter
Carl Pry is a Certified Regulatory Compliance Manager (CRCM) and Certified Risk Professional (CRP) who is a Managing Director for Treliant LLC 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 $769

  • Available Upgrades:
    • 12 Months OnDemand Playback + $280
    • 12 Months OnDemand Playback + CD + $370
    • Additional Live Access + $255 per person
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New Compliance Officer Training Part 2: BSA 101

Compliance with the Bank Secrecy Act (BSA) continues to be a supervisory priority so it’s important for new BSA Compliance Officers to have a good grasp of the requirements and, more importantly, where to get answers to questions that may arise. This session will provide new BSA Compliance Officers with information on the laws and rules, as well as guidance on resources that can help make their jobs easier.

“Where do I even start?” is a question new BSA Compliance Officers often ask themselves. This program will provide resources and information to help answer that question.

This session will provide an overview of the laws, rules, and regulations related to the Bank Secrecy Act and combatting money laundering and terrorist financing. The session also provides some tools and resources new BSA compliance officers can use to help with their duties. While this session may also provide long-term BSA compliance officers with a refresher on regulations and resources, it is designed primarily for BSA compliance officers with less than 2-3 years of compliance experience.

What You’ll Learn

  • Overview of Bank Secrecy Act and other Anti-Money Laundering Rules
  • Components of a strong BSA program
  • Using technology to help with BSA compliance
  • Resources all BSA Compliance Officers need to know about

Who Should Attend
New Compliance Officers, Chief Compliance Officers, Compliance, Legal, Risk Management Staff, and CEOs will benefit from this course.

Instructor Bio
Kristen Tatlock is a nationally-known speaker and compliance consultant with over 30 years of experience in the credit union compliance arena. Tatlock assists credit unions with issues ranging from advertising rules to bylaws, from Social Media compliance matters to Regulation Z, and just about every regulation and compliance concern in between.

Tatlock has earned Compliance and Bank Secrecy Act certifications from the two national credit union trade associations. She regularly presents compliance training programs for CUNA, NAFCU, and many state Leagues around the country. She has also edited and revised numerous compliance training courses and modules for CUNA CPD and has authored several articles for various CUNA publications.

Registration Options

  • Live Access, 30 Days OnDemand Playback, Presenter Materials and Handouts – $279
  • Available Upgrades:
    • 12 Months OnDemand Playback + $70
    • 12 Months OnDemand Playback + CD  + $100
    • Additional Live Access + $50 per person
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New Compliance Officer Training Part 3: Conducting a Compliance Audit/Review

A compliance audit/review is a comprehensive evaluation of a financial institution’s adherence to regulatory guidelines. Its purpose it to identify problems and weaknesses before they are detected by examiners, or even worse, customers’ attorneys. This webinar will provide an overview of the tools and resources available for conducting a compliance review as well as areas to review and questions to ask.

As a new Compliance Officer, an excellent way for you to gauge your institution’s compliance program is to conduct compliance reviews/audits. This webinar will provide a new compliance officer with an overview of the tools and resources available for conducting an internal compliance review as well as areas to review and questions to ask.

We’ll go through some reviews so attendees can get an idea of how to conduct an actual review, what to address, and how to report the results. While this session may also provide long-term compliance officers with a refresher on conducting compliance reviews, it is designed primarily for compliance officers with less than 2–3 years of compliance experience.

What You’ll Learn

  • The importance and purpose of a compliance review
  • Compliance audit/review resources
  • Reviewing policies, procedures, and practices
  • Reporting the results of your review
  • Developing a compliance audit schedule

Who Should Attend
New Compliance Officers, Chief Compliance Officers, Compliance, Legal, Risk Management Staff, and CEOs will benefit from this course.

Instructor Bio
Kristen Tatlock is a nationally-known speaker and compliance consultant with over 30 years of experience in the credit union compliance arena. Tatlock assists credit unions with issues ranging from advertising rules to bylaws, from Social Media compliance matters to Regulation Z, and just about every regulation and compliance concern in between.

Tatlock has earned Compliance and Bank Secrecy Act certifications from the two national credit union trade associations. She regularly presents compliance training programs for CUNA, NAFCU, and many state Leagues around the country. She has also edited and revised numerous compliance training courses and modules for CUNA CPD and has authored several articles for various CUNA publications.

Registration Options

  • Live Access, 30 Days OnDemand Playback, Presenter Materials and Handouts – $279
  • Available Upgrades:
    • 12 Months OnDemand Playback + $70
    • 12 Months OnDemand Playback + CD  + $100
    • Additional Live Access + $50 per person
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New Compliance Officer Training Part 1: Compliance 101

Keeping up with all of the rules, regulations, and laws that affect financial institution operations can be daunting for the most seasoned compliance professional; for new compliance officers, it can be overwhelming. This session is designed to provide new bank compliance officers with tools to help make the transition to their new role easier.

“Where do I even start?” is a question new bank Compliance Officers often ask themselves. This program will provide resources and information to help answer that question. We’ll highlight the main compliance rules and regulations that affect operations for all financial institutions. The session also provides some tools and resources new compliance officers can use to help with their duties. While this session may also provide long-term compliance officers with a refresher on regulations and resources, it is designed primarily for compliance officers with less than 2–3 years of compliance experience.

What You’ll Learn

  • Overview of major compliance issues
  • The importance of risk assessments
  • Resources all Compliance Officers need to know about

Who Should Attend
New Compliance Officers, Chief Compliance Officers, Compliance, Legal, Risk Management Staff, and CEOs will benefit from this course.

Instructor Bio
Kristen Tatlock is a nationally-known speaker and compliance consultant with over 30 years of experience in the credit union compliance arena. Tatlock assists credit unions with issues ranging from advertising rules to bylaws, from Social Media compliance matters to Regulation Z, and just about every regulation and compliance concern in between.

Tatlock has earned Compliance and Bank Secrecy Act certifications from the two national credit union trade associations. She regularly presents compliance training programs for CUNA, NAFCU, and many state Leagues around the country. She has also edited and revised numerous compliance training courses and modules for CUNA CPD and has authored several articles for various CUNA publications.

Registration Options

  • Live Access, 30 Days OnDemand Playback, Presenter Materials and Handouts – $279
  • Available Upgrades:
    • 12 Months OnDemand Playback + $70
    • 12 Months OnDemand Playback + CD  + $100
    • Additional Live Access + $50 per person
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Mastering Participation Agreements: Unlocking Advantages, Managing Risks & Navigating Negotiations

This program covers the risks and rewards of loan participations to both the lead bank and the purchasing bank. Attendees will gain a thorough understanding of Participation Agreements.

A participant’s checklist for a well-drafted Participation Agreement will be reviewed, and administration of the participated loan will be discussed. Including items such as loan purchase options, loan administration issues, waivers, and conflicts of interest. We will also cover the due diligence by the participant, access to information, and lack of involvement in negotiations.

What You’ll Learn

  • Dependency upon lead
  • Financial instability/insolvency of lead
  • Set-off by borrower
  • Failure to perfect
  • Due diligence by the participant and access to information
  • Disclosure of participation to borrower
  • Concentrations and other regulatory aspects of participations
  • Loan agreement provisions related to participations
  • Duties owed by lead to participant
  • Rights to loan collateral and guaranties
  • Loan payments and other functions
  • Consent to amendments
  • Restrictions on transfer
  • Reimbursement and indemnification obligations
  • Subparticipations

Who Should Attend
CRE lenders, commercial lenders, credit analysts, loan review specialists, special assets officers, lending managers and credit officers should attend. Support personnel involved in the administration of loan participations are also encouraged to attend.

Instructor Bio
Robin Russell has practiced law for 35 years and is licensed in Texas, New York, and Massachusetts, and has extensive experience in the energy sector, having been named to Oil and Gas Investor’s 25 Influential Women in Energy in 2019. 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. 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 + Digital Download + $140
    • 12 Months OnDemand Playback + CD + $140
    • Additional Live Access + $75 per person
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Ensuring Accuracy in Call Reports: The Critical Importance of Schedules RC & RI

The schedules in the Call Report represent detailed information of line items reported in Schedule RC – Balance Sheet, and Schedule RI – Income Statement. If the information reported in Schedules RC and RI is incorrect, the entire Call Report could contain errors. Understanding the reporting requirements for these key schedules will aid in the proper and accurate completion of the additional RC and RI schedules.

What You’ll Learn

Schedule RC: Learn what to report in each of the line items within Schedule RC.

  • When to reclassify accounts out of assets and into liabilities
  • How to report cash items in the process of collection
  • Distinguishing between equity securities reportable in item 2.c and those reportable in other assets item 11
  • Reporting requirements for loans held for sale and loans held for investment
  • What to include and exclude from premises and equipment
  • Reporting OREO and changes in value of the properties held in OREO
  • Intangibles and measuring for impairment
  • Reporting investments in unconsolidated subsidiaries
  • Reporting deferred tax components as other assets and other liabilities
  • What types of liabilities are included in total deposits
  • Secured borrowings to include participations sold that fail to meet the accounting requirements established under ASC Topic No. 860
  • Understanding various equity transactions and other equity components to include Other Comprehensive Income

Schedule RI: Learn what to report in each of the line items in Schedule RI.

  • Reporting loan income by type code and what to include and exclude
  • Reporting interest and dividend income on debt and equity securities to include the proper amortization of premiums on callable debt securities
  • What to include in provisions for credit losses pre-CECL and post CECL.
  • Reporting gains and losses on sales of investments, loans and other assets
  • What fees should be reported as service charges on deposit accounts
  • Major categories of non-interest expense items and what to include in each category
  • How to allocate other noninterest income and expense items for further reporting in Schedule RI-E.
  • Reporting income tax expense under the accrual method of accounting

Who Should Attend
Call Report preparation requires knowledge of bank accounting, bank regulations, and virtually all bank operations. Annual training is highly recommended by regulators. Banks should have a trained preparer and a trained reviewer. Anyone responsible for preparing, reviewing, or signing a Call Report will find this program valuable. Both new and experienced preparers and reviewers will benefit from this update and the continued discussion on accounting and financial reporting matters.

Instructor Bio
Cynthia Dopjera, a Certified Public Accountant, has 38 years of experience focused on accounting and regulatory reporting for financial institutions. During the first 18 years of her career, Ms. Dopjera held various positions with responsibility across all operational areas, to include accounting, internal audit, Call Report preparation and review while working for community as well as regional banks.

In 2000, Ms. Dopjera joined the public accounting firm of Harper & Pearson Company, P.C., where she served as Practice Leader for the firm’s financial institutions practice covering community and regional institutions. The firm’s services included financial statement audit, accounting, tax preparation and filing, internal control audit, Call Report audit, loan and asset quality review, and design and implementation of internal controls over financial reporting frameworks for institutions regulated under FDICIA and Sarbanes-Oxley. In 2018, Ms. Dopjera retired from Harper & Pearson Company, and currently provides accounting, consulting, and training services to financial institutions.

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
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Marketing & Advertising Compliance – 3 Part Series

In this day and age of UDAP/UDAAP, it’s clear that how you say what you say in your advertisements is just as important as what you say. Style matters — you must be clear and conspicuous in your wording so as not to confuse and deceive. If you read enforcement actions related to marketing and advertising carefully, it’s clear what else is being targeted: sales and marketing practices. It’s always useful to learn from others’ mistakes, regardless of your bank’s size or regulator.

With everything happening in the financial services industry, now more than ever it’s important that your advertising and marketing efforts are effective. Moreover, regulator and examiner attention to your advertising and marketing efforts is at an all-time high. Advertising is being looked at in different ways than before. There are standards to observe, especially when it comes to UDAAP (Unfair, Deceptive, or Abusive Acts or Practices). This is a seismic shift in regulatory enforcement, where practices that were perfectly acceptable in years past are now problematic. In the rush to attract new business and keep the clients you have, compliance requirements can easily be missed or ignored.

What can you say in advertisements? What must you say? What can you not say? Many sets of rules govern these questions, and more are on the way. How about your promotional efforts — contacting prospects and customers to let them know what you have available?

This is a three-part webinar series that covers the comprehensive landscape of marketing and advertising compliance requirements. In these webinars, we’ll provide many examples of how the rules apply as well as recommendations on how to deal with all the requirements. We’ll cover not only the UDAP/UDAAP aspects of advertising but also the many technical requirements of the deposits and loan regulations that deal with marketing and advertising. As well, we’ll cover the many marketing program-specific rules that cover campaigns; for instance, what are the rules when you send emails? Use the phone? We’ll also talk about using data and customer information in marketing, such as privacy rules and regulations.

Finally, we’ll also delve into the technical aspects of marketing and advertising: using artificial intelligence, algorithms, and auto-decisioning. We’ll also discuss various media, including social media and digital channels.

As the compliance environment becomes more complex, your marketing department must stay on top of all the rules and regulations. These sessions will help.

Included Webinars

  • Marketing & Advertising Compliance: Part 1
  • Marketing & Advertising Compliance: Part 2
  • Marketing & Advertising Compliance: Part 3

Series Details
Marketing & Advertising Compliance: Part 1
March 2, 2023, 10:00 am CST

What You’ll Learn

  • In-depth discussion of UDAP/UDAAP requirements — attention to unfair, deceptive, and abusive acts and practices (UDAAP). Plus — what may be considered abusive? How can you stay clear of trouble? Don’t miss the forest for the trees.
  • Examples of unfair and/or deceptive advertising
  • Discussion of enforcement actions and UDAP practices, plus recommendations
  • Sales practices and conduct risk — what are the issues? What will examiners look for? How best to be ready
  • Marketing services agreements — attention on third-party activities
  • Native advertising issues
  • Utilizing technology in advertising: algorithms, artificial intelligence, and associated risks
  • What data are you using to create personal advertising? Co

Opening New Accounts: Documentation and Compliance — Personal and POA Accounts
March 27, 2023, 1:30 pm CST

This two-hour webinar focuses on the risks, procedures, best practices, and compliance requirements for opening Personal and Consumer Accounts.

What You’ll Learn

  • Deposit advertising, including Reg. DD requirements
  • Tax reporting issues
  • FDIC official advertising statement requirements — plus updates: what’s coming?
  • Non-deposit Investment Product (NDIP) and insurance sales provisions
  • Rules prohibiting lotteries — what can and can’t you do with drawings and contests?
  • Marketing campaigns — privacy issues and sharing data and information with affiliates and non-affiliated third parties • Prescreening campaigns — FCRA requirements
  • Offering free credit reports
  • Guidance on the use of testimonials in advertising
  • Social media — regulatory guidance and cautions
  • TCPA (Telephone Consumer Protection Act) — Do Not Call requirements, plus related Do Not Solicit issues
  • TSR (Telemarketing Sales Rule) fraud issues
  • Email issues — CAN-SPAM and other concerns
  • Does anyone use faxes anymore? The Junk Fax Prevention Act
  • Online marketing to children — COPPA

Opening New Accounts: Documentation and Compliance – Fiduciary, Trust and Estate Accounts
March 28, 2023, 10:00 am CST

This two-hour webinar will delve into the responsibilities of collecting appropriate documentation, providing ownership options, titling accounts correctly, and allowing proper access to Trust, Fiduciary and Minor accounts not only during lifetime but at the death of a signer as well.

What You’ll Learn

  • Fair Housing Act (FHA) rules — the Equal Housing Lender logo and statement
  • Fair lending considerations in marketing and advertising — what to be aware of and hot spots (such as geographical restrictions/redlining)
  • Digital redlining issues
  • Determining your Reasonably Expected Market Area (REMA), and what this means
  • Truth in Lending/Reg. Z requirements, including additional requirements for mortgage loans
  • Tax deductibility issues
  • SAFE Act disclosure issues

Who Should Attend?
Anyone involved in developing and marketing your institution’s products and services, including the marketing department, compliance officers, auditors, business managers, sales and service staff, and anyone else whose duties involve promotion.

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.

Continuing Education Credit Information
Marketing & Advertising Compliance: 3 Part Series has been approved for 7.5 CRCM credits. This statement is not an endorsement of this program or its sponsor. Credits are redeemable for Live attendance only. For questions on certificates, please email support@oncourselearning.com. Certification holders must report these credits at https://aba.csod.com.

Registration Options

  • Live Access, 30 Days OnDemand Playback, Presenter Materials and Handouts – $769
  • Available Upgrades:
    • 12 Months OnDemand Playback + $280
    • 12 Months OnDemand Playback + CD  + $370
    • Additional Live Access + $225 per person
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Avoiding Check Fraud Liability: From Prevention to Loss Allocation

Check fraud losses are estimated to exceed $18 billion each year. A recent nationwide counterfeit check operation was projected to have caused over $9 million in losses. With more and more counterfeit checks flooding financial institutions, this number is sure to increase.

Unfortunately, many financial institutions fail to teach front-line staff the fundamentals of avoiding check fraud. Further, when a loss does occur, these institutions don’t understand how the law allocates the loss. If you’re confused about what your financial institution can do to prevent losses, as well as what your legal responsibility might be in various check fraud situations, this seminar is for you. This session will focus on the best practices that can be employed by banks rather than looking at any particular state’s laws.

What You’ll Learn

  • Tips for spotting counterfeit, forged, and altered checks
  • Procedures to reduce your bank’s exposure to check fraud losses
  • Legal responsibility for counterfeit, forged, and altered checks under Uniform Commercial Code, Regulation CC, and other federal regulations
  • How laws and regulations allocate losses resulting from remote/mobile deposit capture and similar technology
  • Factors to determine whether check fraud victim has legal right to reimbursement

Who Should Attend
Tellers, Teller Supervisors, Customer Service Representatives, New Accounts Personnel, Branch Managers, Security Officers, Fraud Investigators, Fraud Examiners, and Bank Attorneys.

Presenter
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.

Thomas 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, Thomas 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 + $85 per person
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HMDA Essentials

Financial institutions have settled into the 2018 HMDA revisions. The world of HMDA has changed in a dramatic fashion. On April 16, 2020, the Consumer Financial Protection Bureau (CFPB) published a final rule amending Regulation C to set the thresholds for reporting data about:

  • Closed-end mortgage loans, so that institutions originating fewer than 25 closed-end mortgage loans in either of the two preceding calendar years will not have to report such data effective July 1, 2020.
  • Open-end lines of credit at 200 open-end lines of credit effective January 1, 2022, upon the expiration of the temporary threshold of 500 open-end lines of credit.

What You’ll Learn

  • A thorough explanation of which institutions are covered by HMDA and Regulation C
  • A review of which loans are and are not reportable
  • Detailed information on how to complete the LAR
  • Information regarding amendments related to the collection of ethnicity, race, and sex of applicants and borrowers
  • Detail on the data submission and public availability requirements

Who Should Attend
The program is designed for loan officers, compliance officers, loan processors and clerks and auditors.

Presenter
Kimberly Boatwright is EVP and Director of Risk and Compliance at Compliance Resource, LLC, and has more than two decades of experience working in the financial services industry. Ms. Boatwright is a well-regarded financial industry risk and compliance professional with a strong background in program development and implementation. She is a thought leader who specializes in Fair Lending, Anti-Money Laundering, OFAC, and consumer compliance. During her career, she has worked for and consulted with all types of financial institutions helping to establish and evolve compliance and risk programs. She is a frequent public speaker, trainer, and author on compliance and risk management topics. Boatwright is a Certified Regulatory Compliance Manager and a Certified Anti-Money Laundering Specialist.

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
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Building an IT Strategic Plan that Helps You Make Decisions

Does your IT Strategic Plan work for you, or is it just a document that you review once a year? Traditional FFIEC regulatory guidance calls for an IT Strategic Plan that identifies medium-to-long-term goals and allocations of IT resources over a three-to-five-year timeframe.

But how does your IT Strategic Plan help you to make decisions about which types of technology you WANT to deploy and WHO your institution wants to be when it comes to deploying technology?

What You’ll Learn

  • FFIEC Guidance on IT Strategic Planning
  • The Law of Diffusion of Innovation
  • What Kind of Bank Are You?
  • What’s Your Acceptable Level(s) of Risk?
  • Lining Up Risk with Strategy
  • Creating an IT Strategic Plan that can be your “North Star”

Who Should Attend
Information Security Officer, IT Manager, Risk Officer, Internal Auditor, and Executives looking to improve their Information Security Program.

Instructor Bio
John Helland is an Information Security Consultant at SBS CyberSecurity (SBS), a company dedicated to helping organizations identify and understand cybersecurity risks to make more informed and proactive decisions.

Helland maintains Certified Information Security Manager (CISM), Certified Banking Security Manager (CBSM), Certified Banking Vendor Manager (CBVM), and Certified Banking Business Continuity Professional (CBBCP) certifications. He received a degree in Network Security and Administration from Dakota State University.

Helland joined the SBS team in 2021, bringing over 20 years of experience in the IT industry. He specializes in information security management and bridging the gap between information technology and information security.

Helland is passionate about making a difference for his clients and co-workers by providing valuable contributions, making well-informed decisions, and advocating for the best path forward for the project they are collaborating on.

Registration Option

  • 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
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608-441-1200

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Madison, WI 53718

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