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Training Resources
Total Training Solutions (TTS) is your source for high quality webinars and recorded training programs. The program selection is unsurpassed and the choices include everything from compliance to customer service. The live webinars are very easy to attend and the recorded programs give you the flexibility to watch them when it is most convenient.
National speakers can now be heard right at your bank when you register for a webinar from TTS. Click the link to see the list of training programs now available.
Click here for more information.
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Bankers Training & Certification Center offers NBA members proven training in a variety of formats to meet specific needs — all at a special discount. Our comprehensive library has over 450 titles covering topics such as: Compliance, Front Line, Security & Fraud, Customer Service, Sales, Management, Lending, Desktop Software, and more.
Training delivery formats from BTCC include video, DVD, print, intranet and online training. Online and intranet training solutions also offer robust administrative tracking abilities that simplify compliance reporting and deliver relevant, consistent training to all your employees. Discover how you can have effective, proven training delivered directly to your bank!
Click here for more information.
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Bankers Training Network is literally the missing pieces in your training puzzle. It offers endless capabilities tied into a network of dedicated training professionals and product developers. All available to fill any missing piece you need to implement your
training solutions.
http://www.califprofdevel.com/bindex.html
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EDUCATION
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ABA Stonier National Graduate School of Banking
The new ABA Stonier National Graduate School
of Banking, the preeminent executive management school for the financial services industry, is
designed to develop leaders who are able to
compete in the 21st century.
The primary objectives of the school are
to provide you with the knowledge and
skills to recognize and solve executive management problems and to implement solutions.
With an industry undergoing such rapid change,
highly developed leadership skills are required
to meet the challenges and rapid changes
occurring in the industry.
Click here for more information
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Multiple Dates Available
2013 WEBINARS
MAY 2013
Enterprise Risk Management is a lot like diet and exercise: Its value is unquestioned but its implementation is inconsistent. And that’s a huge problem for banks, because few tasks are more important today than identifying and managing the risks they face across the entire spectrum of their operations.
For most institutions, the biggest challenge lies not just in developing a comprehensive Enterprise Risk Management plan, but in defining clearly who does what in implementing and maintaining it.
That is the focus of this timely and important webinar. The crucial roles the board of directors, senior management, compliance officers and internal auditors play in the risk management process will be explained, the specific responsibilities of each group will be outlined, and how they must work together to ensure that a risk management plan meets both regulatory requirements and the strategic needs of individual institutions will also be explained.
Robbery is one of the most feared crimes. Period.
Every bank must provide initial and continuing training for ALL employees. This is required
by all of the state and federal regulatory agencies.
Most banks train employees to respond to one or two types of robberies. There are
actually several - each with its own characteristics and suggested responses.
Knowing what to do during and after a robbery is just as important as knowing what to do before it happens.
This two-part seminar will help your bank develop strategies that make you more aware of your surroundings and options. It also reveals flaws in your response
and training tactics.
It will help you:
- Meet annual training requirements
- Educate everyone about effective robbery response techniques
- Determine if your current training program, policies and procedures are appropriate and effective
- Identify employees that should receive different levels of training
You will receive the original workbook texts in Word and companion PowerPoint slides that you may adapt to your institution's training needs.
On October 18, 2012 the OCC issued "Community Bank Stress Testing: Supervisory Guidance" (OCC 2012-13) that, coupled with the FDIC guidance in the summer issue of Supervisory Insights, clarifies some issues with regard to the requirements of community bank stress tests and makes it absolutely clear that stress testing is required on at least an annual basis for all community banks.
As usual, however, while these regulatory releases answer some questions, they also raise others. Many community banks are looking at how they currently do stress testing in the commercial portfolio (both CRE and C&I), or in many cases, whether their current methods and processes meet the new regulatory expectations and how they will effectively implement this stress testing.
In addition to exploring this important new guidance, we will discuss the use of loan migration analysis where both the OCC and FDIC use identical language to describe the approach.
The weak economy adds to the perils, and rising class-action lawsuits and EEOC actions demonstrate that the risks of getting it wrong are not only disruptive, but also costly.
Following procedures and having good documentation can often help to reduce employer risks, but supervisors and manager often act before consulting with HR.
Please join Kevin Troutman, attorney at law, and Karen L. Luchka, attorney at law and associate, as they take you step-by-step through best practices for disciplining and terminating employees.
Highlights include:
- Looking the part - following dress code and making smart, professional choices in how you look and what you say!
- Doing your part - branching demands teamwork and initiative, working together, getting it done!
- Recognizing your value - tellers need to hear how important they are to the bank, to the customer and what a critical role they play.
- Excelling at referrals and cross-selling - in banking today it's about the relationship, growing it and taking care of it
- Recognizing opportunities, knowing what to do and what to say will help tellers grow referrals and sell appropriately.
- WOW those customers! - Who's in the very best position to do just that
…a well-trained, friendly, approachable teller!
- Know the rules, follow the rules - adhering to procedures saves time, money and protects the teller's reputation.
- Balancing - knowing what to do and what not to do is how high performing tellers consistently balance.
- Loss prevention - well-informed tellers know what to look for to reduce the risk including fraudulent lotto winnings, counterfeits, scam artists, fake IDs and more.
- Keep auditors and regulators happy - pay attention and show respect when it comes to compliance.
- High alert for bank robbery - all tellers need to be reminded of the steps to take in the event of a robbery.
The new “Super Reg” will replace both RESPA (Reg. X) and Truth-In-Lending (Reg Z). This is intended to make mortgages more understandable and to integrate the requirements of RESPA and Truth in Lending.
Will you be prepared? The nearly 1100 page reg. is intimidating and certainly requires your attention sooner than later ? so you’re prepared for this so-called “simplification.”
This webinar will take you step-by-step through the proposed changes. For example, few would argue that the current disclosures are not confusing, but wonder how much less confusing the new disclosures will be if it takes 1,000 plus pages to explain them.
Whether the new proposed integration makes the mortgage financing process more understandable for consumers is yet to be determined, but this webinar will help you understand what is coming, what the implications are, and what you should be doing now to prepare for what is clearly not going to be simpler and easier for lenders and their representatives.
Join Coppelia Padgett, senior analyst for NB Risk Partners and a former FDIC compliance specialist, as she guides you through one fewer than 1,100 pages and breaks down what Integrated Mortgage Disclosure means to you in this fast-paced webinar.
At a time when improper wire transfers resulting from insider fraud and external hacking pose significant risks to banks and their customers’ accounts, financial institutions must develop sufficient security procedures, and have their customers agree to them, to reduce their exposure and insulate themselves from liability.
However, the Uniform Commercial Code requires that these security procedures be “commercially reasonable,” which raises serious questions "for counsel" regarding what is necessary to maximize the scope and content of the bank’s liability.
These issues have become more important in light of the recent Patco Construction Co. decision, which held that setting too low of a threshold for asking security questions was not a commercially reasonable security procedure for online transactions.
Join Clayton Gillette and learn about the legal and technical requirements for a commercially reasonable security p, rocedure, their relationship to FFIEC guidance on authentication procedures for online banking, and the way in which courts have interpreted the relevant criteria.
Join us to learn the basic steps to follow when granting access to a safe deposit box of a deceased renter.
After the death of a safe deposit renter, the bank must use care to insure that proper procedures are followed and the appropriate person is the only one granted access to the box.
Because laws vary in each state it is sometimes difficult to determine what needs to be done to obtain access. You must be familiar with your state laws and follow them when granting access to a decedents safe deposit box.
Many questions arise as to who may have access, when may they have access, what items may be removed from a box, how does joint ownership affect the box?
Join us to learn the basic steps to
follow when granting access to a safe deposit box of a deceased renter.
JUNE 2013
Highlights include:
- Using your best customer service skills to "help" the robber commit the robbery
- Remember the information delivered during the institution's "annual robbery training event"
- Why robbers prefer having your employees become "allies" instead of "obstacles"
- The robbery "dance" training exercise everyone can relate to, and how to teach it to others
- Describing a suspect accurately for responding law enforcement
- Commercial Loan Documentation: Part 1
Webinar
Wednesday, June 5, 2013
11:30am - 1:30pm Pacific Time
Everything a commercial loan officer should know about perfecting security interests on all types of collateral (except real estate), loan agreements, signature requirements, confirming exact names and more.
This fast-paced seminar has been designed specifically to provide relevant, up-to-date and practical information to help commercial
lending personnel create enforceable liens and other necessary documentation.
It covers everything you need to know about loan documentation in support of commercial loan decisions.
Both new and experienced personnel will find this program to be informative and filled with useful and effective loan documentation principles and practices.
Does your financial institution offer overdraft protection products to your customers? Are these products in compliance with the numerous regulatory requirements? Can your employees explain the benefits and drawbacks of these products to your customers?
This session will give participants a thorough understanding of the differences between the various overdraft protection products available, how the regulators view such products, the requirements and restrictions involved with offering various overdraft payment options, the risks and rewards of each, and how recent regulatory actions impact the offering of these products to your customers.
In this program, we will cover the basic understanding of what each regulation is for and how the frontline is responsible for its implementation.
Your staff will be updated and have a review of the new requirements for this year and some proposed changes.
You will want to document this training for your examiners and count this to the job specific training for BSA as well as the other deposit regulations.
For example, they clarify some of the steps that must be taken to perfect and defend security interest, reduce procedural requirements, and shift compliance burdens associated with other requirements.
There are important implications for the information required for filing statements, the perfection and priority of security interests, and the correction of inaccurate filing statements.
Please join Steven Walt, professor of law, University of Virginia for a detailed analysis of the amendments and the changes that may be required in due diligence procedures.
Everything a commercial loan officer should know about perfecting security interests on all types of collateral (except real estate), loan agreements, signature requirements, confirming exact names and more.
This fast-paced seminar has been designed specifically to provide relevant, up-to-date and practical information to help commercial
lending personnel create enforceable liens and other necessary documentation.
It covers everything you need to know about loan documentation in support of commercial loan decisions.
Both new and experienced personnel will find this program to be informative and filled with useful and effective loan documentation principles and practices.
Join us for 15 issues you should consider before handling a deceased loan customer's accounts.
As lenders, we work hard to make good underwriting decisions. In addition to analyzing a consumer's income or business cash flow, it's
common to take a security interest in collateral.
Collateral runs the gamut of cars, personal residence, stocks, commercial real estate, equipment, accounts receivable, and inventory.
One risk factor that's difficult to predict is death. If the death involves a sole proprietor, partner or key officer, high balance loans could be outstanding, and you wonder if the payments will continue.
We'd like to be sensitive to the family or help the remaining business owner, but the compliance clock doesn't stop ticking. Many issues and questions arise.
Join us for 15 issues you should consider before handling a deceased customer's loan accounts, and learn additional tips to protect your bank when making a loan.
With a new, powerful, and ambitious regulator in the Consumer Financial Protection Bureau, the enforcement of the Dodd-Frank Act's prohibition of unfair, deceptive, or abusive acts or practices has become of paramount concern.
However, there are still a number of uncertainties regarding what UDAAP actually means, including what is actually considered “unfair,” “deceptive,” and “abusive,” as well as how the standards will be interpreted and applied to any number of consumer products.
Join Martin J. Bishop ? author of numerous articles on UDAAP, frequent UDAAP lecturer, founder and leader of the UDAAP Council, and chair of Foley & Lardner LLP's Consumer financial Services Practice Group ? and Rebecca R. Hanson for an informative discussion of the challenges and trends surrounding this rapidly evolving area of consumer protection.
- FDIC Consumer Protection Workshop
June 12 and 13, 2013
Citibank at the Lakes
Las Vegas, NV
Program Information:
Program Agenda:
Registration Form
More information at:
FDIC Consumer Protection Workshop:
There has been a dramatic increase in the number of fraudulent cashier's checks.
Virtually every day a warning is distributed by financial institution regulatory authorities stating that fraudulent cashier's checks are being issued in a specific financial institution's name.
Your financial institution may have even been the financial institution that the fraudulent cashier's checks were drawn on.
This webcast seminar will discuss the risks posed by fraudulent cashier's checks, whether your financial institution is the financial institution of first deposit or the alleged issuer.
These entities have big dollars and high risks when handling their checks.
The questions of who can endorse these types of checks and how they should be endorsed will be addressed in this informative program.
If you have ever wondered how, when and why of endorsements on high level items this is the program for you.
Take a look at the common questions that will be answered in this must attend program.
Every teller at every financial institution will enjoy this practical and informative program.
You will gain a broad understanding of the Automated Clearing House (ACH) Network and the processes the network follows.
This webinar will provide you with:
- Knowledge of the ACH as a payments system
- An understanding of commonly-used ACH acronyms and terminology
- Examples of the main participants in the ACH system and the functions they perform
- An awareness of the different types of ACH entries
Last year, HUD made revolutionary changes to RESPA, including a brand-new GFE and HUD-1, but in many cases confusion still reigns. We can all learn from the mistakes and advice of others. HUD is done issuing FAQs, but they’re still issuing guidance.
We'll discuss the GFE and HUD-1, and talk about where various types of charges must be disclosed, including how they impact the tolerances.
We'll also address third-party issues, so you'll know how to handle applications received from third parties, such as brokers. We'll also discuss the legal landscape of RESPA and identify where the risks and challenges lie, so you can stay prepared.
And of course, nothing would be the same under RESPA if there weren’t change in the future. We’ll talk about how the Dodd-Frank Act and the Consumer Financial Protection Bureau (CFPB) is planning in the months ahead.
- Compliance Perspectives
Webinar
Tuesday, June 18, 2013
11:00am - 12:00am Pacific Time
Keeping up with changes and deadlines in the compliance area gets more complex every year. Now, we can assist you with that task.
- Introduction to ACH: Part 2 ~ ACH Operations: From ARK to XCK
Webinar
Thursday, June 20, 2013
11:30am - 1:30pm Pacific Time
This course is designed as an introduction for the novice payments professional into the world of ACH or as a solid refresher for the payments veteran.
Attendees will gain an overview of the many facets of ACH operations.
Session highlights include:
- Responsibilities of the ODFI and RDFI
- Ways to distinguish between the different sections within the NACHA ACH Operating Rules Book
- Exception Processing Including:
- Customer Claims on Unauthorized Debits
- Stop Payments
- Revocation Issues
- ACH Audit Requirements
- The National System of Fines
JULY 2013
Or, your bank’s credit administration seems disconnected, un-organized and free flowing and lacks effective management oversight; Or you are in a lending position and the credit administration function at your bank fails to provide structure, guidance and leadership.
If any of these scenarios point to you or your financial institution, this course will address the factors you need to know to make a positive difference in the credit administration at your bank.
Specifically, this course is intended to provide guidance on how to develop and maintain a Credit Administration function that will provide guidance to anyone involved in the credit function of the bank and to insure safeguards are in place to manage the bank’s loan portfolio in a safe and sound manner.
This principle is paramount especially in this economic environment and close scrutiny being applied by the regulatory authorities.
There are seven distinct characteristics well managed and successful banks have in their Credit Administration area.
This course will evaluate the reasoning and requirements for each of these characteristics so that the participant can begin the process of developing such a culture within their respective organization.
We will review 30 types of accounts and examine who the customers are for CIP purposes. You will learn how to operate your CIP procedures within federal law.
You may be doing more work than you have to so it may be time to examine your policy and procedures in light of new technology.
You won't want to miss this program on identifying and updating your customer records and accounts.
- You Must Comply! ACH Compliance
Webinar
Tuesday, July 16, 2013
11:30am - 1:30pm Pacific Time
Financial Institution examiners are focusing more and more on ACH Compliance. It is imperative that you comply with the NACHA ACH Operating Rules. Non-compliance can cost you not only money, but your reputation.
You Must Comply! ACH Compliance is designed to provide you with the knowledge you need to comprehend the compliance requirements associated with processing ACH entries on a day-to-day basis.
- Check Holds
Webinar
Wednesday, July 17, 2013
8:00am - 10:00am Pacifc Time
Has your financial institution taken losses due to counterfeit checks, check kiting or other check frauds?
Did losses occur because your staff did not know how to properly apply holds on customer deposits?
Are you confused about how to handle check holds now that there are no longer "non-local checks?"
With the multitude of regulations and laws requiring compliance on a daily basis, the Expedited Funds Availability Act (Regulation CC) is one of the most misunderstood regulations that can impact both the retail and commercial sides of a financial institution.
A financial institution risks significant financial liability for improperly placing holds on deposits.
On the other hand, if used properly, Regulation CC is one of the financial institution's best protections from check fraud losses.
AUGUST 2013
What can be challenging is who is authorized to open, close and transact business at all the different avenues for business.
We now bank businesses online, with debit cards and also remotely. How do we set up these accounts and then change them as the businesses change?
What happens when a partner dies? What happens when the sole proprietor dies? Can you keep the same EIN if a sole proprietorship incorporates?
What if the LLC members are other businesses? How do they sign? And it goes on.
Understanding authority on the different types of business accounts may keep you from making mistakes that can be costly to your organization.
This course is designed to assist bankers in calculating cash flow utilizing the Uniform Cash Flow Analysis (UCA) method and to provide guidance in calculating Global Cash Flow Analysis for those entities that must rely on excess cash generated by their owners to service the business entity’s commercial debt.
The course will begin by defining Cash Flow as the tool to transform an Accrual Basis Financial Statement into a Statement of Cash Flow and its importance to bankers when considering a long term loan request.
Then it will proceed to demonstrate how Cash Flow is calculated utilizing the balance sheet and the income statement to determine the sources and uses of cash from Operating, Investing and Financing Activities.
Next, a review of the owners' personal financial statements and tax returns will be presented in order to determine the excess compensation necessary to support the debts of the business entity and the individual. That is the entire premise of Global Cash Flow Analysis.
The use of several cases will be provided in order to demonstrate Global Cash Flow Analysis including a case for the Self-Employed borrower with interests in several business entities.
Upon completion of this course, the participant will have a good understanding of how cash flow is calculated and more importantly, how to interpret its meaning.
Advertising is being looked at in a different way than ever before. The CFPB now has authority over the consumer regulations that control advertising.
There are new 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 deemed to be problematic now.
In the rush to attract new business and keep the clients you have, compliance requirements can be easily be missed or ignored. Is your marketing department communicating with your compliance staff?
This session will help. What can you say in advertisements? What do you have to say? What can you not say?
There are many different sets of rules that 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?
As the compliance environment changes and becomes more complex, you have to stay on top of all the rules and regulations. This session can help.
- Compliance Perspectives
Webinar
Tuesday, August 20, 2013
11:00am - 12:00NOON Pacific Time
Keeping up with changes and deadlines in the compliance area gets more complex every year. Now, we can assist you with that task.
- Dealing With Subpoenas, Summonses, Garanishments, Tax Levies, Etc.
Webinar
Wednesday, August 21, 2013
8:00am - 10:00am Pacific Time
On a daily basis a financial institution is faced with having to comply with a multitude of legal documents that are served on it.
These documents can order the financial institution to produce confidential customer information, hold depositor funds, and can even order them to seize property in its possession belonging to the customer.
If you find these documents to be confusing and intimidating, then make sure to attend this seminar.
By attending this multi-state seminar, you will learn the best practices of how to effectively deal with these documents and the parties who serve them upon you.
SEPTEMBER 2013
Understanding and analyzing the information contained in personal income tax returns is an important aspect of recognizing the financial condition of loan guarantors.
In order to accurately calculate global cash flow, a lender needs to know how to take information in personal tax returns and apply it correctly.
This program will assist lenders in interpreting the information contained in personal tax returns in order to determine the ability of customers who are guaranteeing loans to add strength to loan requests.
Attendees of this webinar will work with individual federal tax return forms and schedules to help identify the places in tax returns that address cash flow as well as those places that don't.
At the end of this webinar, participants will be able to know what forms and schedules in personal tax returns that they should pay attention to and what they should ignore.
This 4 part webinar series will be held on
September 10, 17, 24, and
October 1
from 2:30pm-4:30pm ET.
This four part webinar is designed for bankers who are new to call report preparation and also OTS bankers who recently began filing a Call Report.
The series will cover recent changes to the Call Report, basic reporting requirements, schedules that can be prepared using the general ledger and investment reports, loan schedules, maturity and repricing, and risk based capital.
There will be exercises designed to reinforce the classification of balance sheet and income statement items, as well as classification requirements for loans.
Unfortunately, most do not understand the personal liability assumed when agreeing to serve in this capacity.
This two hour webinar is designed to provide notaries with the best practices for dealing with issues that are unique to the financial industry.
This session is a way to make sure your team knows their responsibilities as well as basic laws, liability and reviews various notarial acts.
Credit memoranda are a primary means of communications within the banking industry. In writing effective credit memoranda, it is not what you say that commands attention, but how you say it.
Credit memoranda serve three functions: 1) they provide information on the condition and status of a customer relationship; 2) they provide a record of thoughts and actions and 3) they support or recommend action.
The purpose of this course is to teach skills required to write an effective credit memorandum, which places emphasis upon factors or trends that are important without the need to state the obvious.
In short, the credit memo should present relevant, material facts and the writers’ thoughts and opinions.
Remember, anything you write in a credit memorandum will become public record if you find yourself in court with a borrower.
This 4 part webinar series will be held on
September 10, 17, 24, and
October 1
from 2:30pm-4:30pm ET.
This four part webinar is designed for bankers who are new to call report preparation and also OTS bankers who recently began filing a Call Report.
The series will cover recent changes to the Call Report, basic reporting requirements, schedules that can be prepared using the general ledger and investment reports, loan schedules, maturity and repricing, and risk based capital.
There will be exercises designed to reinforce the classification of balance sheet and income statement items, as well as classification requirements for loans.
Many banks have only just started the escrow process, and although you might not want to start now, Dodd-Frank requirements will only broaden the scope of the requirement.
The writing is on the wall: eventually all consumer mortgage loans will likely require escrows.
This webinar will provide you with the requirements under both Reg. Z and RESPA (since HPMLs are also covered by RESPA, you'll have to comply with that rule's escrow provisions, as well).
We'll also talk about the CFPB's new disclosure requirements and where escrow information will appear on the new forms.
Be ready for both the compliance and operational changes, so that your escrows meet all the requirements.
This 4 part webinar series will be held on
September 10, 17, 24, and
October 1 from
2:30pm-4:30pm ET.
This four part webinar is designed for bankers who are new to call report preparation and also OTS bankers who recently began filing a Call Report.
The series will cover recent changes to the Call Report, basic reporting requirements, schedules that can be prepared using the general ledger and investment reports, loan schedules, maturity and repricing, and risk based capital.
There will be exercises designed to reinforce the classification of balance sheet and income statement items, as well as classification requirements for loans.
If you do not sign the signature card on a joint account, it is not insured by either the FDIC or NCUSIF.
Or if you add notes to the cards or add signers after the fact, many times you can create liability for your financial institutions.
When you open accounts, you are tempted to accommodate accountholder wishes and needs in ways that create liability for your financial institution.
These do's and don'ts may save your financial institution thousands of dollars in the future.
These 10 fundamental rules will keep your officers and your account representatives from creating liability and future losses on the deposit side of your organization.
This two-hour webinar will walk you through the complicated process of dealing with a customer's death, both on the deposit and loan side; as well as the unique issues of doing business with the decedent's estate.
This 4 part webinar series will be held on
September 10, 17, 24, and
October 1 from
2:30pm-4:30pm ET.
This four part webinar is designed for bankers who are new to call report preparation and also OTS bankers who recently began filing a Call Report.
The series will cover recent changes to the Call Report, basic reporting requirements, schedules that can be prepared using the general ledger and investment reports, loan schedules, maturity and repricing, and risk based capital.
There will be exercises designed to reinforce the classification of balance sheet and income statement items, as well as classification requirements for loans.
OCTOBER 2013
In this program, we will cover the basic understanding of what each regulation is for and how the frontline is responsible for its implementation.
Your staff will be updated and have a review of the new requirements for this year and some proposed changes.
You will want to document this training for your examiners and count this to the job specific training for BSA as well as the other deposit regulations.
We know that most of us are not in the position or licensed to give the potential IRA accountholder "advice".
But, there is nothing wrong with explaining the different IRA products to them - if you know the facts.
If you want to "jump start" your IRA knowledge base, this two hour Webinar is a good place to begin.
- Ratio Analysis
Webinar
Thursday, October 10, 2013
8:00am - 10:00am Pacific Time
Credit (Risk) Analysis is one of the most important functions performed by financial institutions.
Since interest and fee income from loans represent the largest source of revenue for financial institutions, it is vital that thorough credit analysis be performed before loans are approved and funded.
The Credit Analysis process starts with spreading historical financial statements and then calculating key ratios to determine the financial health of an organization.
The purpose of this course is to expose the participant to the five vital signs of any organization and the required ratios to identify them. A detailed identification and definition of ratios will be covered.
Some of those changes were mandated by the Dodd-Frank Act, others are planned to encourage “transparency” and achieve other goals the Bureau has. But we have to comply now - how to best do this?
This session will serve as a review of the major trouble points encountered by mortgage lenders, as well as an update on things heard from mortgage lenders and regulators alike.
We'll talk about the common mistakes and misconceptions, what examiners will be looking for, and get you ready for your next mortgage lending exam.
- Compliance Perspectives
Webinar
Tuesday, October 15, 2013
11:00am - 12:00NOON Pacific Time
Keeping up with changes and deadlines in the compliance area gets more complex every year. Now, we can assist you with that task.
- Power of Attorney
Webinar
Wednesday, October 16, 2013
8:00am - 10:00am Pacific Time
Everyday financial institutions are required to complete transactions for customers that involve Power of Attorney or Living Trust documents.
To protect the financial institution's interests when using these documents, it is imperative to understand the basic do's and don'ts.
This two hour presentation is designed to provide financial institution personnel with the best practices that can be used in dealing with these complex legal documents.
- IRA Transfers and Rollovers
Webinar
Thursday, October 17, 2013
8:00am - 10:00am Pacific Time
As cell phones, smart phones, iPods, and iPads become more widespread, both consumers and vendors are looking for more ways to leverage them.
The adoption of mobile banking, mobile RDC, and mobile payments is growing rapidly. Many organizations are implementing this technology in an effort to stay competitive, provide convenience, and draw in the younger generation commonly referred to as Generation Y and I.
In fact, experts say mobile financial services is more readily adopted than online banking was initially, as well as remote deposit merchant capture.
As with any emerging technology there are risks and controls that need to be addressed, and mobile financial services is no exception.
In this presentation, the speaker will provide an overview of current mobile landscape, the risks and security considerations, explore controls to mitigate and manage the risks, and explore audit and examination considerations.
Whether you have deployed any aspect of this popular offering, are considering implementation, or are just confused about the differences this presentation is what you are after.
Whether you are an IRA "rookie" or an IRA "pro", you know you have probably had this feeling many times!
Oh, that helpless feeling we get when an IRA accountholder ask us anything above the most basic IRA question.
If you are searching for a webinar where you will achieve that higher "comfort level" on these complicated topics, this seminar is "must-attend".
2013 IRA Cost of Living Adjustments have just been released. Don't miss this Webinar to get the most up-to-date information on IRS Regulations.
Unfortunately, many bankers do not understand the legal requirements and the procedures that are necessary to use this process.
The risks of using the process incorrectly can be costly to a financial institution.
On the other hand, successfully using the right of setoff can protect a financial institution from significant financial losses.
Do you know when it is allowed and when it isn't? Do you know if your financial institution has a statutory or contractual right of setoff? Do you understand the financial risks of using your setoff rights incorrectly?
If you don't know the answers to these questions, make sure to attend this valuable webinar.
NOVEMBER 2013
- Appraisals
Webinar
Tuesday, November 19, 2013
8:00am - 10:00am Pacific Time
The past few years have seen significant developments in real estate appraisals and evaluation rule and regulations. Revised Interagency Guidelines and new rules under Reg. Z have been issued, and additional requirements have been proposed due to Dodd-Frank.
As breakdowns in appraisal practices have been partly blamed for the mortgage crisis, regulators have raised their expectations; lenders' appraisal and evaluation programs must include more elements than ever before.
Some of the themes being emphasized by the agencies are independence of the appraiser and evaluator, reviews, and qualifications.
There are also restrictions against using AVMs (automated valuation models), BPOs (broker price opinions), and tax valuations that has upset many in the industry.
Do you know the requirements? We'll go in-depth on the details of the appraisal and valuation process, from both the lender and appraiser side of the game, to provide a thorough understanding of what is required and what you have to have.
- Appraisals
Webinar
Tuesday, November 19, 2013
8:00am - 10:00am Pacific Time
The past few years have seen significant developments in real estate appraisals and evaluation rule and regulations. Revised Interagency Guidelines and new rules under Reg. Z have been issued, and additional requirements have been proposed due to Dodd-Frank.
As breakdowns in appraisal practices have been partly blamed for the mortgage crisis, regulators have raised their expectations; lenders' appraisal and evaluation programs must include more elements than ever before. Some of the themes being emphasized by the agencies are independence of the appraiser and evaluator, reviews, and qualifications.
There are also restrictions against using AVMs (automated valuation models), BPOs (broker price opinions), and tax valuations that has upset many in the industry.
Do you know the requirements? We'll go in-depth on the details of the appraisal and valuation process, from both the lender and appraiser side of the game, to provide a thorough understanding of what is required and what you have to have.
- Compliance Perspectives
Webinar
Tuesday, Noveber 19, 2013
11:00am - 12:00NOON Pacific Time
Keeping up with changes and deadlines in the compliance area gets more complex every year. Now, we can assist you with that task.
- Analyzing Service Businesses
Webinar
Thursday, November 21, 2013
8:00am - 10:00am Pacific Time
This program will provide lenders and other credit professionals with knowledge in the wide variety of service businesses that exist and how those businesses should be analyzed from a financial standpoint.
Particular attention will be paid to the ways in which service businesses differ financially from one another depending upon their industry sector.
Case studies of service businesses will be used to demonstrate the most effective ways of analyzing them and the types of borrowing needs that they have.
At the conclusion of this program, attendees will know the right questions to ask of service businesses and be able to distinguish between low and high quality lending opportunities.
DECEMBER 2013
Participating in this type of financing can be highly risky in some cases.
The level of risk depends upon a number of factors, including the purchase price for the business, the value of the assets being purchased, and the future potential of the business to generate cashflow.
This program will examine these issues as well as other important concepts such as non-compete agreements and the role of goodwill.
By attending this program, lenders will gain a greater understanding and comfort level with the methodologies to employ when analyzing these types of borrowing requests.
In this program, we will cover the basic understanding of what each regulation is for and how the frontline is responsible for its implementation.
Your staff will be updated and have a review of the new requirements for this year and some proposed changes.
You will want to document this training for your examiners and count this to the job specific training for BSA as well as the other deposit regulations.
When you open his folder, you realize you don’t have a record of a beneficiary designation.
You calmly tell him you will call him back after doing further "research".
Panic sets in as you open other IRA folders and find missing documentation in some of those folders. It is now time to audit your IRA files.
The best time to do this is when your customer/member is still alive! He may have to sign some missing forms.
2013 IRA Cost of Living Adjustments have just been released.
Don't miss this Webinar to get the most up-to-date information on IRS Regulations.
This webinar deals with the many forms financial institutions must report, with an emphasis on when and exactly what to report.
Easy-to-follow charts are included to complete each form.
- Compliance Perspectives
Webinar
Tuesday, December 17, 2013
11:00am - 12:00NOON Pacific Time
Keeping up with changes and deadlines in the compliance area gets more complex every year. Now, we can assist you with that task.
- Check Holds
Webinar
Wednesday, December 18, 2013
8:00am - 10:00am Pacific Time
Has your financial institution taken losses due to counterfeit checks, check kiting or other check frauds?
Did losses occur because your staff did not know how to properly apply holds on customer deposits?
Are you confused about how to handle check holds now that there are no longer "non-local checks?"
With the multitude of regulations and laws requiring compliance on a daily basis, the Expedited Funds Availability Act (Regulation CC) is one of the most misunderstood regulations that can impact both the retail and commercial sides of a financial institution.
A financial institution risks significant financial liability for improperly placing holds on deposits. On the other hand, if used properly, Regulation CC is one of the financial institution's best protections from check fraud losses.
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