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UPCOMING PROGRAMS

July 28, 2015 - Opening Nonprofit, Memorial, Donation, Association Accounts and more
Presented by Deborah Crawford
From the bowling league to the Rotary, your institution will open many types of nonprofit, charitable and civic types of organizations. This program will cover Customer Identification Requirements, Customer Due Diligence, Risk Rating organizations, IRS reporting rules and how to change signers. You will receive sample procedures for opening and documenting all types of nongovernment organizations. Learn more.






July 29, 2015 - How to Complete the Closing Disclosure
Presented by Jerod Moyer
The NEW Closing Disclosure will be required for any consumer purpose closed end secured by dirt. August 1st is right around the corner, are you ready? Join us for section-by-section step-by-step instructions on how to complete the NEW Closing Disclosure. We'll cover what you MUST, may, and may not do in relation to completing the form. We'll also talk tolerances and changed circumstances! Learn more.






August 5, 2015 - HMDA - Beyond the Input
Presented by Patricia Cashman
Submission of the 2014 HMDA LAR is but a distant memory. Nothing HMDA-related to think about until the Disclosure and Aggregate Reports are available later this summer. Right? WRONG!!!! There are a myriad of reasons for looking over your HMDA data now! Fair lending; Marketing; Cross-selling; Expansion. These are just some of the gems waiting to be discovered within your HMDA LAR. Learn more.






August 11, 2015 - ABCs of HSAs
Presented by Whitney Johnson
Need to get up-to-speed quickly on HSAs? Want to be able to answer the most important and most common questions? This webinar is for you. It covers the HSA basics. This webinar is ideal for someone new to HSAs or for an HSA veteran that wants an HSA refresher course. Learn more.






August 12, 2015 - Part I: Flood Insurance - Everything You Need To Know (including June 2015 Rules)
Presented by David Dickinson and Jerod Moyer
On June 22, 2015 the Agencies announced a joint final rule implementing certain provisions of the both the Homeowner Flood Insurance Affordability Act and Biggert-Waters Reform Flood Insurance Reform Act. Flood insurance requirements can often be the most challenging aspect of both commercial and residential lending. It's not uncommon for the borrower, lender, and insurance agent to each reach a certain level of frustration with the requirements. The challenges and frustrations with flood insurance are caused by all the minute details that come into play when calculating, obtaining, documenting and monitoring the proper coverage. Flood insurance continues to be a hot topic with the regulators and that means it remains one of the highest priority components of a compliance program. The June 22, 2015 joint final rule issued by the Agencies under the Biggert-Waters Act of 2012 and the Homeowner Flood Insurance Affordability Act of 2014 only adds to the complexity of these requirements. Learn more.






August 13, 2015 - Currency Transaction Report (CTR): Line-By-Line for Tellers
Presented by Deborah Crawford
Check it off your educational requirements for this year. Yes, this will count as your teller's annual job specific BSA training in the area of Currency Transaction Reports. Don't miss this informative and easy to follow CTR training for the frontline. Plus the CTR Handbook a must for every person who completes CTRs. Learn more.






August 18, 2015 - Disaster Recovery Revisited: 5 Things You May Not Have Considered (for a while)
Presented by David Reed
You cannot watch the evening news without seeing images of natural and manmade disasters wreaking havoc somewhere in the world. Well, don't feel too comfortable. It is not a question of if an emergency will impact your institution, but when… and by how much. Unfortunately, many of us are relying on the fact that we created a Disaster Recovery Plan many years ago to give us a reasonable assurance of our ability to recover from an incident. It's now time to think again! Consider how much has changed since your plan was crafted, not only within your operations, but your technology, personnel and facilities as well. And, that's not even taking into account the universe of new and evolving risks that surround us every day.

This interactive session will review lessons learned since Katrina, the latest risks to your operations, and the 5 things you absolutely need to take into consideration in the current disaster risk environment. Learn more.






August 20, 2015 - Automated Monitoring Systems: Implementation to Validation
Presented by Brian Crow
As technologies and product offerings evolve, methods for monitoring suspicious activity have had to evolve to keep up. Examiners has been suggesting the use of automated monitoring systems (AMS) to even the smallest institutions. Vendor sales representatives tell management that an AMS will drastically reduce the time spent on BSA and increase efficiency. It can be a challenge to separate fact from fiction. A properly implemented AMS will enhance your monitoring program, but how do you choose the right system and how do your program it? Once the system is ready to go live, current guidance requires an independent validation of the system. In this information packed two hour session we will walk through the process of picking the right system for your institution, discuss the factors you should consider when programming rules and review the examiner guidance on validating the model. Learn more.






August 25, 2015 - MasterCard & Reg E Error Resolution PLUS Chip Liability Issues
Presented by Brian Crow
Chip Liability Shift goes into effect on October 1, 2015. What does this mean for your institution? How will this impact Regulation E investigations? Are these cards worth the cost of reissuance? MasterCard rules and Regulation E requirements always seem to be stacked against the institution. A firm understanding of the transactions that are and are not covered by each rule set can aid in minimizing losses related to your debit card program. 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 changing landscape of MasterCard chargebacks and Reg E investigations, highlight the claims where Reg E does and does not apply, and help you minimize the impact to your bottom line. Learn more.






August 26, 2015 - Part II: Flood Insurance - Everything You Need To Know (including June 2015 Rules)
Presented by David Dickinson and Jerod Moyer
On June 22, 2015 the Agencies announced a joint final rule implementing certain provisions of the both the Homeowner Flood Insurance Affordability Act and Biggert-Waters Reform Flood Insurance Reform Act. Flood insurance requirements can often be the most challenging aspect of both commercial and residential lending. It's not uncommon for the borrower, lender, and insurance agent to each reach a certain level of frustration with the requirements. The challenges and frustrations with flood insurance are caused by all the minute details that come into play when calculating, obtaining, documenting and monitoring the proper coverage. Flood insurance continues to be a hot topic with the regulators and that means it remains one of the highest priority components of a compliance program. The June 22, 2015 joint final rule issued by the Agencies under the Biggert-Waters Act of 2012 and the Homeowner Flood Insurance Affordability Act of 2014 only adds to the complexity of these requirements. Learn more.






August 27, 2015 - The New and More Restrictive Military Lending Act plus SCRA Requirements
Presented by Andy Zavoina
Final changes to Military Lending Act and DoD regulations are approved. What do you have to do to comply? Let's see, there will be more loans subject to the Act, more components to the finance charge, an easier to reach 36 percent APR and compliance will be big challenge! Headlines continue to report fines and court cases involving lenders who don't follow the rules. For practical purposes servicemembers and their dependents form a protected class in their dealings with your bank. Many banks don't know the MLA applies to them because they don't have many military customers. It does apply. The Servicemembers Civil Relief Act and the Military Lending Act include extraordinary protections for this group, and mistakes on your part can be costly and earn your bank unwanted publicity. This information-packed webinar will provide information you can use to help keep your institution out of trouble and working smoothly. Learn more.






September 2, 2015 - VISA and Reg E Error Resolution PLUS Chip Liability Issues
Presented by Brian Crow
Chip Liability Shift goes into effect on October 1, 2015. What does this mean for your institution? How will this impact Regulation E investigations? Are these cards worth the cost of reissuance? 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. 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. Learn more.






September 9, 2015 - FCRA Tough Stuff
Presented by Mary Beth Guard, John Burnett and Andy Zavoina
Compliance with the Fair Credit Reporting Act requires a detailed understanding of the fine points and nuances of the law's provisions and Regulation V. Mistakes are unfortunately common, but avoidable. This webinar tackles the most common ones. Learn more.






September 24, 2015 - Debt Collection Practices - what's permissible and what's not
Presented by Mary Beth Guard, John Burnett and Andy Zavoina
Debt Collection Practices are receiving close scrutiny from examiners. Even when the FDCPA is not directly applicable, UDAAP constrains your collection activities. Learn how in this webinar. Learn more.






September 30, 2015 - 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." Learn more.






October 7, 2015 - 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. Learn more.






November 17, 2015 - You don't know X about Z
Presented by Mary Beth Guard, John Burnett and Andy Zavoina
For years, you have probably been taking the "easy" route. If a loan applicant was an individual, you just assumed the loan would be a consumer loan covered by Regulation Z. What's the harm? If you treat it as Z-covered, it just means a couple of extra disclosures, right? In the old days, that was pretty much true. Not anymore. With the addition to Reg Z of the ATR rules, HPML escrow requirements, and now the arrival of the new Integrated Disclosure rules, it is becoming more important than ever to identify which applications are subject to Reg Z, and, just as importantly, which ones are not. Whether you have found the twisted business coverage tests confusing, or haven't honed in on the modifications to the coverage cap or need to get up to speed to clearly see which types of trusts will now be covered applicants, this program will color in all the gray areas for you. Learn more.





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.