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September 30, 2014 - Revised Escrow Rules - Review and Update
Presented by Jack Holzknecht and Mary Beth Guard
The escrow rules for mortgage loans continue to expand. The escrow requirements in both RESPA (Regulation X) and Truth in Lending (Regulation Z) were expanded in January 2014. The rules in Regulation Z are expanding again in August 2015. This program covers all of the escrow rules - the long-standing requirements, the recently revised requirements, and the soon to be effective requirements.






October 7, 2014 - CRA - Digging for Credit
Presented by Patricia Cashman
Does it seem that all of the traditional sources for CRA credit are either overused or gone the way of the Dodo bird? This webinar will assist you in identifying new or overlooked sources that will assist in achieving a satisfactory rating while helping your financial institution to become a better neighbor. Safe housing for seniors; protecting veterans from crime; preventing foreclosures…these are just the beginning.






October 8, 2014 - Applicants and Applications: Knowing the Players and the Rules
Presented by David Dickinson
A note from the Presenter - David Dickinson:
"I believe this is one of the most important compliance topics I have ever presented. BEFORE you can understand HMDA, Truth in Lending, RESPA, denials, etc. you MUST know if you have an application or not. Lenders must also fully understand the difference between an inquiry, an application, a prequalification request and a completed application. Most lenders think they understand these topics but the proof is in the errors they commit. I believe this is very valuable training for you and your institution."






October 15, 2014 - MasterCard and Reg E: Basic Debit Card Investigations
Presented by Brian Crow
MasterCard rules and Reg E requirements often stack the deck against the card issuer. Worse yet, the card rules for chargebacks often conflict with the regulatory requirements. Front line staff can hamper an investigation if they fail to obtain key information at the time a dispute is filed. Conducting an investigation that avoids regulatory action and UDAAP citations but still provides enough documentation to file a chargeback can challenge even the most experienced Operations staff. In this information packed webinar, Brian will take you through the basics of MasterCard chargebacks and Reg E investigations and highlight the claims where Reg E does and does not apply, all in the name of minimizing the impact to your bottom line.






October 16, 2014 - VISA and Reg E: Basic Debit Card Investigations
Presented by Brian Crow
VISA rules and Reg E requirements often stack the deck against the card issuer. Worse yet, the card rules for chargebacks often conflict with the regulatory requirements. Front line staff can hamper an investigation if they fail to obtain key information at the time a dispute is filed. Conducting an investigation that avoids regulatory action and UDAAP citations but still provides enough documentation to file a chargeback can challenge even the most experienced Operations staff. In this information packed webinar, Brian will take you through the basics of VISA chargebacks and Reg E investigations and highlight the claims where Reg E does and does not apply, all in the name of minimizing the impact to your bottom line.






October 17, 2014 - Scripting the New Account Interview: Consistency, Compliance and Examiner's Expectations
Presented by Deborah Crawford
The regulators are now asking for a new account script. When you receive your request letter items for your compliance examination, will you have a new deposit account script? If not, this is the program for you.






October 20, 2014 - HSAs for Employer Groups: Avoid Failure
Presented by Whitney Johnson
Learn the most important points in operating an HSA program for employer groups. Opening HSAs for groups is not the same as individual HSAs. Failing to know the differences could destroy the trust of a key business you serve. Failing to set proper expectations with an employer can also destroy a valuable relationship as many employers intuitively believe the role of the custodian is larger than it actually is. And, perhaps worst of all, failure to follow the special laws for group HSAs could jeopardize your entire operation. This webinar will focus on the differences in working with groups and the special rules that apply to group plans.






October 22, 2014 - Advanced Visa Error Resolution
Presented by Brian Crow
You've accepted your Reg E claim, provided provisional credit, and filed a chargeback. The merchant responds with additional information and your processor takes the money back. Do you deny the Reg E claim, accept the loss and move on, or push deeper into the MasterCard chargeback process? When can you go back to the cardholder and ask for more information? A wrong decision could result in regulatory issues or a loss on a claim that the bank doesn't have to take. In this advanced session, we will cover merchant responses and how to properly address them in your claims process.






October 23, 2014 - Advanced MasterCard Error Resolution
Presented by Brian Crow
You've accepted your Reg E claim, provided provisional credit, and filed a chargeback. The merchant responds with additional information and your processor takes the money back. Do you deny the Reg E claim, accept the loss and move on, or push deeper into the MasterCard chargeback process? When can you go back to the cardholder and ask for more information? A wrong decision could result in regulatory issues or a loss on a claim that the bank doesn't have to take. In this advanced session, we will cover merchant responses and how to properly address them in your claims process.






October 24, 2014 - How to Audit Advertising - Compliance Issues Here, There, Everywhere!
Presented by Patricia Cashman
Auditing advertising for compliance issues reminds me of the game "Whack-a-Mole". Just when you think you have one nailed down, such as the website, you discover that a loan officer has agreed to an ad in the local high schools yearbook - without considering the compliance issues posed by that ad. What's an auditor or compliance officer to do?






October 29, 2014 - Documenting an Applicant's Intent to be a Joint Applicant
Presented by David Dickinson
Fair Lending is one of the "hottest" topics with the regulators at this time. Requiring spouses (or anyone) to sign a loan - or the appearance your loan officers are doing so - is a significant fair lending issue. That's the reason for the "Joint Intent" rule -- It's designed to ensure that all the applicants intended to be co-applicants for the loan from the beginning.






November 4, 2014 - Issues with Deceased Customers
Presented by Mary Beth Guard and John Burnett
When your customer passes away, you have issues that must be addressed. Family members left behind want funds to handle immediate needs. It doesn't help that they and other survivors of the deceased customer have little or no knowledge about paying "old" checks signed by the deceased or the deposit of checks payable to them. They need guidance. You will instill confidence if you can demonstrate knowledge in these situations, and that knowledge will help you reduce or eliminate the legal, monetary and reputational risks associated with mishandling accounts formerly owned by a deceased customer. Get the information you need in this comprehensive, fast-paced, information-packed two hour presentation by Mary Beth Guard and John Burnett.






November 5, 2014 - Vault Burglaries, Floods, Fires & Other Disasters
Presented by Dave McGuinn
Damage to a bank's safe deposit vaults caused by a burglary, fire, flooding, tornado or other disaster can create not only major logistical problems, but also potentially huge legal liability. But there are measures your bank can take that can limit its financial exposure to such events. Attend this important two-hour presentation to get key information you can use to mitigate the post-disaster exposure of your safe deposit operations.






November 6, 2014 - MLO v LO - Who Has to Do What?
Presented by Jack Holzknecht and Mary Beth Guard
Regulations implementing the Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act) were effective on October 1, 2010. Among other requirements the SAFE Act requires mortgage loan originators (MLO) to register with the National Mortgage Licensing System and Registry (NMLSR). Revisions to Regulation Z, which were effective on April 1, 2011, prohibited certain acts and practices involving loan originators (LO). Significant clarification and expansion to the Regulation Z rules occurred in January 2014. This program clarifies who is a MLO and who is a LO and what are the requirements and limitations applicable to each.






November 18, 2014 - Understanding USPAP and Regulatory Guidelines for Appraisal and Evaluation Compliance Reviews
Presented by Eric Collinsworth
This webinar will focus on the key points that banks need to be aware of relating to reviewing appraisals and evaluations for minimum compliance with the regulatory guidelines as well as the most recent revisions to USPAP. This will include an in-depth analysis and discussion of the requirements of USPAP Rules and Standards 1 & 2, as well as what to look for in any valuation report for compliance with the Interagency Guidelines for Appraisals and Evaluations.






November 13, 2014 - Domestic Violence & Workplace Violence: There Is A Link
Presented by Shelly Collins and Dana Turner
Your institution's chance of experiencing an act of domestic violence that becomes a potential act of workplace violence is much greater than the possibility of experiencing a robbery. Nationally, one of every six violent events occurs in the workplace. Domestic violence was declared epidemic years ago by the Centers For Disease Control & Prevention (CDC). Every community experiences the repercussions from these acts, but what institutions often don't consider is the related impact in the workplace-to the employee, customers, and daily operations. This presentation addresses the ever-increasing threat of domestic violence, including the basic dynamics and signs - as well as the mystique about its intrusion into the workplace that presents special concerns for Security Officers, employees, and customers. This presentation also provides specific safety suggestions and general resources.






November 18, 2014 - Understanding USPAP and Regulatory Guidelines for Appraisal and Evaluation Compliance Reviews
Presented by Eric Collinsworth
This webinar will focus on the key points that banks need to be aware of relating to reviewing appraisals and evaluations for minimum compliance with the regulatory guidelines as well as the most recent revisions to USPAP. This will include an in-depth analysis and discussion of the requirements of USPAP Rules and Standards 1 & 2, as well as what to look for in any valuation report for compliance with the Interagency Guidelines for Appraisals and Evaluations.






December 10, 2014 - Branch Audits: What Is Going On Out There?
Presented by Patricia Cashman
You set rules and boundaries for your children. Then they go off to college and chuck all of those restrictions out the door before they even get out of the driveway. Is this the way you feel about your branches? There are well-defined policies and procedures that are designed to assure assets are adequately safeguarded, transactions are properly documented and processed, and branch records are adequately maintained. But you have a suspicion that these policies and procedures have been amended or even disregarded by the branches.

Fortunately, there is a way to determine whether your branches are compliant with the vision and rules set out by the parent financial institution - a well crafted and executed branch audit! Now, if only there was such a tool for our college-bound children.





Registration Policy
Each registration is valid for a single connection at a specific location within a given financial institution. Multiple people from the same financial institution may view the program within a conference room using the one connection. If there are attendees from different financial institutions attending they must each have a separate registration.

Multiple Location Discounts
Multiple location discounts are offered if a financial institution wishes to access the training program from different branches or other locations. For example, the first registered location cost is $245 and the second is $125. You can calculate the additional cost for each additional location on the registration page by selecting the number of locations you need to register. In order to take advantage of the multiple location discount the registrants must be from the same financial institution domain.

Certificates of Attendance
Certificates of attendance are issued in the name of the registrant. If additional people from the same financial institution are in attendance at the registered location you can request additional certificates after the webinar by emailing carin@bankersonline.com. Those certificates are only valid for people in attendance at the registered location.