Events

We rely on third party service providers and other financial institutions for products and services either to enhance the services performed in-house or to offer services that are otherwise not cost effective. Outsourcing comes with risks, which may be realized in a different manner than if the functions were in-house resulting in the need for controls designed to monitor such risks as loss of funds, loss of competitive advantage, damaged reputation, improper disclosure of information and regulatory action. The decision to outsource should fit into your bank’s overall strategic plan and corporate objectives.

Join us for this informative session where we will discuss the initial and ongoing due diligence and provide you with loads of tools to help guide you through the vendor management process.

What You’ll Learn

  • Understanding Regulatory Requirements – A review of FFIEC Guidance and GLBA 501(b) requirements for third party oversight
  • Details of New Interagency Guidance – A deep dive into the recent Interagency Guidance on Third-Party Relationships and the impact on how you manage risks associated with your third-party vendors
  • Identifying Critical Vendors – How to identify and establish your bank’s critical vendors and the due diligence process required for them
  • Developing a Vendor Risk Assessment – A review of a sample vendor risk assessment will be utilized to discuss risk factors and internal controls to mitigate vendor risks to your bank
  • Contract Review Components – Overview of what examiners expect to see in your vendor contracts and best practices for tracking contract terms and expiration dates
  • Ongoing Monitoring and Due Diligence – A thorough discussion of how to properly maintain up-to-date due diligence files and ensure your vendors are meeting the terms of their agreements

Who Should Attend
This informative session is designed for Risk Managers, Compliance Officers, Information Security Officers, and any other individual responsible for vendor management due diligence.

Instructor Bio
Dawn Kincaid began her banking career while attending The Ohio State University. She has 19 years of experience in client service, operations, information technology, administrative and board relations, marketing, and compliance. Most recently Kincaid served as the Senior Vice President of Operations for a central-Ohio-based community bank, where she created and refined policies and procedures, conducted self-audits and risk assessments, and organized the implementation of new products and services. Kincaid has served in the roles of Compliance, BSA/AML, CRA, Privacy, and Security Officer. She has led training initiatives, prepared due diligence information, completed a variety of regulatory applications, coordinated internal and external audits, and exams, and presented for numerous state associations.

Registration Options

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

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

Rules and regulations specific to lending tend to change on a pretty regular basis, and 2022 was no exception. Join Regulatory Compliance Counsel Michael Christians for this 90-minute session that will focus both on changes that occurred in 2022 as well as changes scheduled to occur in 2023.

What You’ll Learn

  • Changes to the General Definition of a Qualified Mortgage
  • Changes to the Home Mortgage Disclosure Act
  • The Transition Away from the LIBOR Index
  • Revised Regulation Z Thresholds for 2023
  • The Supplemental Customer Information Form
  • And much more!

Who Should Attend
Anyone involved in the lending process would benefit from the information covered during this session, including loan officers, loan processors, and lending department management. In addition, compliance professionals and internal audit staff are also encouraged to attend.

Instructor Bio
As principal of Michael Christians Consulting, LLC, Michael Christians assists financial institutions and organizations across the country with ensuring their compliance programs conform to Federal laws and regulations. He provides counsel relative to current rules, assists with the strategic implementation of upcoming regulatory changes and offers customized education and training services. Michael has more than two decades of experience in the financial services industry with a primary focus on consumer compliance. He obtained his Juris Doctorate from Drake University Law School. He is a member of the Iowa State Bar where he is licensed to practice law.

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

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

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

You’ve analyzed the risks, written the policies, and developed the procedures for each area of consumer compliance. But are they effective? Are they working? Are they being followed? Is our institution truly in compliance? Those are all questions you want to be answered before the next visit by your examiners.

Your institution’s safety and soundness are contingent upon effectively identifying and managing your Compliance Risk exposures. Thus, your Compliance Audit program must be risk-based and focus on those areas of greatest risk. Each of your institutions is unique from the market you serve to the products you offer to the method you deliver them, therefore, no single compliance audit system works across the board. Each institution should develop its own program tailored to its needs and circumstances. Regardless of the compliance audit/risk management program’s design, it should include mechanisms for identifying, measuring, controlling, and monitoring risks.

In this session, we will review examiner expectations for your Compliance Audit program. We will highlight those areas of compliance with the highest risk, so you know where to focus your valuable time. In addition, we will provide examples and tools you can incorporate into your program.

What You’ll Learn

  • Compliance Audit Programs — what the examiners are looking for
  • Volume and significance of compliance violations
  • Identifying high risk regulations and developing a compliance review schedule
  • Review of compliance policies and procedures
  • Personnel-level of compliance knowledge
  • Compliance control systems
  • Effectively report compliance matters to the board
  • Understand tools and resources available to you

Who Should Attend
This informative session is designed for auditors, compliance officers, and compliance council/committee members. Risk Managers, Managers, and Assistant Managers will also benefit from the information that will be presented.

Instructor Bio
Dawn Kincaid began her banking career while attending The Ohio State University. She has 19 years’ experience in client service, operations, information technology, administrative and board relations, marketing, and compliance. Most recently Kincaid served as the Senior Vice President of Operations for a central-Ohio-based community bank, where she created and refined policies and procedures, conducted self-audits and risk assessments, and organized implementation of new products and services. Kincaid has served in the roles of Compliance, BSA/AML, CRA, Privacy, and Security Officer. She has led training initiatives, prepared due diligence information, completed a variety of regulatory applications, coordinated internal and external audits and exams, and presented for numerous state associations.

Registration Options

Live 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 energy sector is strong again and so is the market for oil and gas lenders. This webinar will provide bankers with a thorough understanding of oil and gas lending, loan documentation, and due diligence. It is a must for any bank that has or is considering loaning against oil and gas loans in its portfolio.

What You’ll Learn

  • Oil and gas terminology, markets, and lending structures
  • Risk management, including loan policy, underwriting, and valuation
  • Oil and gas loan documentation
  • Credit agreement covenants, including production reporting-audit capability, maintenance of leases, maintenance of properties to industry standards, hedging, and gas imbalances
  • Lender diligence on oil and gas leaseholds, operating and non-operating working interests, overriding royalty interests, and landowner or non-participating royalty interest
  • Land title issues, including the engagement of landmen
  • Conducting a site visit to the borrower’s land department
  • Reviewing oil and gas leases, farmout agreements, joint operating agreements, purchase agreements, and other material contracts
  • Environmental issues, including Phase 1 environmental assessments and hydraulic fracturing
  • Other oil and gas financing structures, including volumetric production payments, master limited partnerships, bonds, private equity investment, and joint ventures
  • Regulatory compliance and reserve reviews
  • Agencies overseeing the oil and gas industry
  • Laws affecting oil and gas lending

Who Should Attend
All bank personnel involved in oil and gas lending, loan documentation, and compliance will benefit from attending this program.

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

Nearly every ISO and IT Manager’s greatest fear is getting that phone call — the one where a user says they have a ransom note popping up on their screen. This is one of our greatest fears as well, but with a different spin — getting that phone call from a client. Unfortunately, we’ve been in this situation before and helped numerous organizations recover from ransomware.

In this session, we’ll review two different ransomware attack scenarios from two different organizations that got different results while dealing with ransomware — and why.

What You’ll Learn

  • Current Ransomware Stats and Tactics
  • Typical Ransomware Attack Scenario Walk-Through
  • Case Study #1 and #2
  • Differences and Results
  • Top Controls to Mitigate Ransomware Risk

Who Should Attend
Information Security Officer, IT Manager, Risk Officer, Internal Auditor, Board members, or other management team members looking to understand risks from Ransomware.

Instructor Bio
Buzz Hillestad is a VP Information Security Consultant and heads the Incident Response team at SBS CyberSecurity in Madison, South Dakota. SBS is a premier cybersecurity consulting and audit firm dedicated to making a positive impact on the banking and financial services industry. Hillestad has a bachelor’s degree in Computer Information Systems for Business and has performed masters work in Information Security at the SANS Institute — an internationally recognized best source for cybersecurity education. Hillestad has been involved with Information Security practice in Healthcare, Banking, Government, and many other industry verticals since 2004 and has helped over 200 organizations improve their information security processes and programs. Hillestad additionally has numerous security publications in magazines such as 45 Magazine and MED Midwest Medical, and speaks nationally on various cybersecurity 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 + Digital Download + $140
    • 12 Months OnDemand Playback + CD + $140
    • Additional Live Access + $75 per person

If you’ve ever Googled yourself, you know there’s plenty of information publicly available about each person via the Internet at all times. It’s next to impossible not to leave a digital trail OR delete yourself from the Internet these days. The same can be said for your business. What information about your organization, employees, customers, vendors, and software is available via internet search tools? And even worse yet, how can cyber attackers leverage this information to build a specific, target attack against your organization or customers?

Open Source Intelligence (OSINT) is a common method hackers use to perform reconnaissance and create detailed, specific attack scenarios based on your organization. Odds are, a few searches or free tools can dig up more business information that you might initially think is readily available. The more tailored a cybercriminal can make their attack, the better chances they have at compromising your business.

What You’ll Learn

  • The OSINT model
  • Online Cyber Risk Scores
  • How to assess your internet-facing vulnerabilities
  • Other freely available “hacker tools”
  • How to reduce your attack vectors
  • Accepting the risk when necessary

Who Should Attend
Board Members, Executive Team, and Managers responsible for Information Security. Both board members and information security professionals will benefit from this session. Board and Senior Executives will receive a basic review of Cybersecurity and a strong Information Security Program, plus questions to ask of management. Members of the management team will benefit from a better understanding of what the board needs to know, how to communicate it, and tips in creating a strong culture.

Instructor Bio
Cody Delzer, CISA, is a VP Information Security Consultant for SBS CyberSecurity, LLC of Madison, SD who has a Bachelor of Science Degree in Computer and Network Security from Dakota State University and 9 years’ experience in IT and IT Security; 2 years in Systems Operations and 7 years in Information Assurance. Delzer has worked with over 200 Financial Institutions and other private industry organizations across the United States.

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