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April 22, 2014 - A Banker's Guide to Virtual Currency
Presented by Andrew Beal
Bitcoin emerged in 2013 to fanfare from the tech community, speculation from investors, and suspicion from the world's regulators. So what is it, and what is all the fuss about? Bitcoin is a decentralized, peer-to-peer payment system - it is to money what Napster was to file sharing. Bitcoin is not backed by any one government, nor is it run by any one corporation, and at its core is a piece of technology that attempts to solve a problem that has eluded the banking community for decades: how can you use the internet to transfer a dollar instantaneously and ensure the dollar is not spent twice? Bitcoin is the dawn of a new "virtual" era, and it is already redefining the way we think about moving money.

April 24, 2014 - BSA/AML Compliance: Writing the SAR Narrative
Presented by Ken Golliher
Writing the SAR Narrative & Using the Spreadsheet Attachment - The new FinCEN SAR 1) reduced the amount of characters allowed in the narrative and 2) added an Excel® compatible spread sheet. Banks need to re-evaluate the "5 W's and an H" for the SAR narrative and how and when to incorporate the attachment, an excellent way to describe financial activity. This presentation focuses on tightening the narrative and using the attachment to provide a concise description for law enforcement. (This is a longer version of a very popular presentation at Top Gun in February.)

April 29, 2014 - HSA Basics
Presented by Whitney Johnson
Whether you are new to handling Health Savings Accounts (HSAs) at your institution, or you are looking best practices that can help you make your HSA program more effective for both employer clients and individual participants, Whitney Johnson's HSA Basic program will provide you both the information you need and practical tools you can use.

April 29, 2014 - Required Training for Loan Originators
Presented by Mary Beth Guard and Jack Holzknecht
The amendments made under the Dodd-Frank Act to the Truth in Lending Act and Regulation Z have imposed a training requirement for loan originators for any consumer credit transaction secured by a dwelling. Not only is that training requirement new, but in many institutions, it will affect more than the individuals who have registered as mortgage loan originators under the SAFE Act. This webinar will provide the information you need to understand who the rule affects, and to establish and maintain an appropriate loan originator training program.

May 13, 2014 - Overdraft Practices in Today's Regulatory Environment
Presented by John Burnett
Bank overdraft practices remain under the regulatory microscope. Although banks' traditional prudential regulators seem to have backed away a bit from the subject, the CFPB has been studying it for more than two years, and the odds seem to be good that it will soon have something to say about it. There have also been a lot of lawsuits over overdraft fees and practices, many of which have resulted in substantial settlements. You'll get the latest info on overdraft practices in this presentation.

May 14, 2014 - Reg E Claims - Allocating Liability Correctly
Presented by Andy Zavoina
The Regulation E questions that are most frequently asked involve error claims. Which claims have to be paid? When must you pay them? What can you require of the consumer? How should you make claims decisions? And what can happen if your claims are handled incorrectly? The short answer to that one is "a lot!" Because it is important to you, we are offering a webinar on just Reg E claims (we will not spend time on Visa and MasterCard or ACH charge-back rules). From errors to claims, to the investigation and resolution, we'll cover it all with examples and your questions.

May 15, 2014 - Managing Electronic Information - From A to Zettabyte
Presented by Fred Menge
Managing electronic information is an even bigger job than managing physical records. With laws and regulations including Sarbanes Oxley and the Federal Rules of Civil Procedure, it has become increasingly necessary to manage the lifecycle of information - from the time it is created through its legal disposition. Developing and implementing a prudent records management program will save you time and money. This webinar tells you how.

May 20, 2014 - Opening New Accounts: 20 Account Ownerships, Titles and Legal Documentation
Presented by Deborah Crawford
Opening New Accounts involves identifying, documenting and establishing the authority to open the account. This program is an A-Z on account ownership and documentation. We will go from single party accounts to the more complex type of business accounts. It is a must for anyone who opens or manages the new account functions. Your financial institution's signature card, documentation and authority procedures can create big liability when you do not understand the type of ownership and the checks that go with these accounts.

May 21, 2014 - Safe Deposit "The Do's and Don'ts"
Presented by Dave McGuinn
You don't know what your customers are placing in their safe deposit boxes. It can range from memorabilia to jewelry, from property deeds with no intrinsic value to irreplaceable collectibles valued in the millions of dollars. You have to treat every vault transaction as if it could lead to major liabilities if mishandled. Dave McGuinn's Safe Deposit "Do's and Don'ts" webinar covers the basics of safe deposit procedures and will provide recommended day-to-day operating guidelines for your institution.

May 28, 2014 - 2014 New Integrated Disclosures The Loan Estimate
Presented by Mary Beth Guard and Jack Holzknecht
The new integrated Loan Estimate will apply to virtually all consumer credit transactions secured by real property. Very few such loans will be exempted. The CFPB's new requirements include many of the old details from the current RESPA Good Faith Estimate, plus selected parts of the current early TILA disclosures. The format and timing requirements for the new disclosures, however, is new. You cannot afford to wait until next year to start preparing for the changes the new rules require. Now is the time to learn what's to be expected and to begin planning for implementation with your staff and any third-party service providers involved. Join Mary Beth and Jack for this informative session and you'll be better prepared for the extensive new Loan Estimate requirements.

June 10, 2014 - New Account IDs: The Choice is Yours
Presented by Deborah Crawford
Most banks use one of more forms of official identification when verifying the identities of their customers. The forms of ID each institution will accept are typically spelled out in an official Customer Identification Program (CIP) approved by the directors of the institution. Does your CIP recognize the major types of ID that prospective customers are likely to have? If not, you may either be breaking your own program requirements in order to open accounts, or needlessly turning away business from those who can't produce the default standard state-issued driver's license. In this webinar, you'll learn about other forms of documentary identification that you may be able to incorporate in your CIP to make it a better "fit" for your potential customer base.

June 23, 2014 - New Integrated Disclosures - The Closing Disclosure
Presented by Mary Beth Guard and Jack Holzknecht
The amount of detail in the new Closing Disclosure exceeds the detail in any disclosure required on a mortgage loan in the past. This amount of detail is not mastered in one sitting. Even though we have time to get all of the pieces in place, the time to start the process of mastering the material is now. This program explains the new form, its component parts and explores the detail that results in "violation traps."

June 26, 2014 - Developing Written Procedures for Handling Third Party Claims for Customer Funds
Presented by Ken Golliher
The OCC has published examination procedures for reviewing how supervised banks handle state garnishments when federal benefit payments are present. The other regulators will follow, making this an examination topic for the first time. This webinar helps participants develop an identifiable process for processing third party claims for funds. It incorporates "step-action" tables that show how financial claims could work their way through the institution, including a "cut out" process when federal benefit payments are present. The mechanism illustrated is intended to establish both a paper trail and timelines for how any claim was handled. The sample claims used are the IRS Levy and a generic state law garnishment where a federal benefit payment might be present. There is absolutely no coverage of the law of a specific state. Attendees must be familiar with the laws and procedures in their state and incorporate that law in the procedures they develop.

July 23, 2014 - Opening Accounts for Marijuana Businesses: CIP, CDD, Risk and Monitoring
Presented by Deborah Crawford
20 States have enacted legislation for marijuana businesses and 16 states are pending this summer's legislative season. What are you going to do when your state is involved? Bank or not bank the customer? You still have to ask some questions if the decision is not to bank. If you decide to move forward and bank marijuana businesses, you have many decisions to make about growers, manufacturers, retailers and what you need to know and do in each state.

August 20, 2014 - Safe Deposit Regulatory Compliance & Legal Issues
Presented by Dave McGuinn
Safe Deposit Box services have their own collection of laws and regulations that have to be complied with. From notice requirements under the PATRIOT Act to abandoned property requirements under state rules, this informative two-hour presentation will provide the information you need to help keep your institution on the path to compliance.

September 10, 2014 - Critical Issues on Certificates of Deposit
Presented by Deborah Crawford
Still put a piece of paper into a sleeve and give it to the customer and call it a CD? It might be old-fashioned but many institutions still handle nonnegotiable CDs and other time deposits much as they handled the negotiable instrument of days gone by. As we transition from the traditional certificates that are negotiable to the time deposit with a contract, what rules apply and which rules are no longer applicable? Let's look at the procedures which might not make sense anymore such as the use of Loss of CD affidavits. Today's procedures could mean that you need signatures of all parties and not just the individual opening the account. Old-school might not work in today's legal and regulatory environment. In this webinar, we look at CD rules, procedures and ownership issues that may need to be re-thought and revamped.

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.

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 Those certificates are only valid for people in attendance at the registered location.