Training Catalog

• ACH—Managing the Risk
  This session will assist you in performing an ACH Risk Assessment, classifying compliance, transaction & credit risks, and recognizing high-risk activities.
• 2009 FFIEC GUIDANCE: Remote Deposit Capture and Risk
  This guidance covers the consideration of a strategic plan in regard to the product offering and is clear about the role of a risk assessment as part of the process. Also covered are the policies and procedures as they pertain to your institution, customers, transactions, operations and training that are recommended for inclusion in the overall RDC offering. Fraud and suggested controls to identify the type of fraud, mitigate the exposure and respond to fraud event are also reviewed.
• Making Sense of the ACH Rules
  This webinar gives you the information you need to understand the rules that apply to ACH entries.
• ACH: Performing Both a Self-Test and Compliance Audit
  As a NACHA participating member you have to complete a self-audit annually, before December 1st. This isn't a new requirement, but many bankers are asking for guidance, where do you start,  how do you find resources, how do you identify risks and how do you get the most out of an audit. 
• OFAC in 2011- Handling the Hits!
  Managing your bank's OFAC compliance program can't be a "write it once and forget it" event. It has to be kept current and responsive to the ever-changing developments in the OFAC compliance environment. There are new sanctions programs, updated licenses and hundreds of updates to the overall SDN listing. The changing realities of political and international influences on OFAC policy require that you keep your program adaptive and effective. Tim White's presentation will give you the latest information and show you how to help keep your institution out of trouble with OFAC and examiners alike.
   
• A - Z of Reg E
  While you have been working on lending and other Dodd-Frank issues, Reg E changed. Between opt-in rules impacting when you can charge an NSF fee to new gift card rules, you have to keep up. And Reg E was confusing enough to start with.
  
  If 67 million Americans have used a debit card for a purchase of less than $5 in the last month, you may well have a claim pending for an insignificant sum. Do you have to investigate claims? Is there a cost effective way to handle small claims? Can you lose money handling small claims the same way you handle large ones? Is there more to Reg. E than claims? Yes, yes, yes. We'll answer these questions in detail and dispel many of the urban myths that prevail in the world of Reg. E. Do I have to investigate a claim made more than 60 days after the debit or statement? Can I deny the claim because they refuse to file a police report? Am I compliant if I require a written claim, because my processor requires it? Tune in if these issues are not clear to you.
  
   
• Keeping Up with the ACH Rules
  This webinar will provide you with the knowledge to confidently answer questions about and resolve problems with ACH rules we must all live by, and to plan for the important new changes in those rules.
   
• Issues with Deceased Customers
  In this program, we examine how a customer's death impacts deposit accounts, CDs and safe deposit boxes. 
• Stop Payments
   You cannot afford confusion among your staff about stop payment orders. Knowing which items can and cannot be stopped is critical. You also need to know whether a customer’s stop order is timely, or too late. Join John Burnett for his Stop Payment webinar, and get the answers. Learn whether the bank is “stuck” if a stopped ACH item is paid, whether to accept a stop payment on a cashier’s check, and much more

• Advertising Compliance, Avoiding the Pitfalls
  How you advertise your products can affect your bank's compliance rating. If you do it wrong, you can face fines and penalties and even lawsuits. So it makes sense to ensure that your advertising complies with applicable laws and regulations. Get the information you need to stay on the right side of advertising compliance, along with some excellent examples of ads that spell "Trouble with a Capital T" in this informative two-hour presentation.
   
• CAN SPAM and Do Not Call, Addressing these marketing rules
  What are you required to have, and to do for email solicitations, telephone calls and faxes that advertise your products and services? These are the questions we'll answer in this "more than marketing" webinar.
• Freebies, Bonuses & Contests
  As the pressure to attract new customers gets intense, bankers are often tempted to try sales gimmicks to capture market share. Often there is confusion about what legal and regulatory limits are put on these sales efforts.
• ExSelling: A Sales Workshop for Calling Officers
  This program is about excelling at selling.
• Regulation Z – New Advertising Rules
  This two-hour webinar covers all of the new Regulation Z advertising rules and places the changes in context of the existing Regulation Z advertising requirements.
• Overdrafts - Everything You Need to Know (for Now)
  What's the latest on overdrafts and overdraft fees? Have FDIC examiners begun citing banks for not complying with the November 2010 Final Overdraft Payment Supervisory Guidance? Have other regulators weighed in with guidance? Has the Consumer Financial Protection Bureau offered anything official or unofficial on the topic? Where do UDAP and UDAAP fit into the puzzle? Get an up-to-the-minute perspective on this controversial topic in John's informative two-hour discussion of Overdrafts-Everything You Need to Know (for Now).
   
• Two-Faced-Book Facebook Policy Can Serve You Well
  Recent court cases pertaining to social media, such as Facebook, have held employers liable for what was done on Facebook, as well as what wasn't. How are you supposed to embrace this technology everyone seems to say you need to be on, safely? Well, safely may be subjective but we'll give you the information you need to manage your risk in social media.
   
• Clarifying the Credit CARD Act Rules - Reg Z Changes Again October 1
  If you thought you had all of the Regulation Z changes brought about by the Credit CARD Act of 2009 under control, think again. The Fed has issued yet another set of changes affecting applications, disclosures, advertising and more that will affect all issuers of credit cards by October 1, 2011. To be sure you understand all of these changes and get them implemented on time, join Jack Holzknecht and John Burnett in their detailed analysis of the changes and what they mean to credit card issuers.
• Overdraft Guidance & Best Practices
  Your institution probably pays overdrafts, at least occasionally. After more than a decade of concern about some overdraft payment practices, regulators have made several moves to regulate or guide institutions in their management of overdraft programs. Some banks have had to make significant changes as a result. To make sure your institution is up to date on regulatory rules and expectations, attend this information-packed webinar presented by David Dickinson and Jerod Moyer.
• Freebies, Bonuses, Contests - Marketing in the Post-Reg Q Era
  Has Regulation Q really gone, or there lingering concerns? Are all the limits on promotional premiums really gone for demand deposits? Can your marketing department promote your new business checking account with a cash incentive? Will paying a reward when a customer uses your bill payment service run afoul of any regulations? Is it OK for all your employees to "tweet" about bank products with potential customers? Spend two hours with Andy and John as they provide the answers to these questions and many more.
• CRA – New Opportunities to Improve Your Rating
  
  • In the last couple of years, regulators have added some additional opportunities for financial institutions to receive "credit" toward their CRA evaluations. This webinar will provide you with the information you need to help determine whether your institution can or should pursue any of these opportunities to help out your CRA rating.

• Common Mistakes in UCC Filing
  This two-hour seminar focuses on common errors in preparing and filing UCC documents and the steps necessary to eliminate the errors.

• Controlling Card Program Fraud Losses
  This program will help you to understand how losses occur, what tools are available protect the program and how to successfully apply the tools/programs. 
• Beginner Reg E Error Resolution and Chargebacks (Visa and MasterCard)
  This webinar will build on the basic knowledge you have of Regulation E and Visa and MasterCard chargeback rights and integrate them. It will show you which chargeback reason codes apply to Billing Error claims and will show you how you can transfer as much debt as possible to the merchant by solidifying the initial chargeback.
• Advanced Error Resolution and Chargebacks (Visa and MasterCard)
  This webinar concentrates on the final stages of the chargeback process including arbitration and compliance and incorporates the requirements of Reg. E. Specific examples of conflicts between Reg. E and chargeback rights will be discussed in addition to examining how to use the Visa and MasterCard requirements for late stage chargeback cases to better leverage fund recovery from the merchant and acquirer. 
• Overdrafts-Keeping Up with the Regulators
  This two-hour webinar provides the information your institution will need to comply with the new Regulation E requirements becoming effective July 1, 2010. 
• Reducing Debit Card and ATM Losses
  In this fast-paced two-hours, you'll hear BOL Gurus Andy Zavoina and John Burnett discuss Regulation E's error resolution and unauthorized transfer rules, with a view toward helping you and your transaction investigation staff work smarter and more efficiently, saving your institution money where it's possible. You'll discuss error claims cases and techniques for resolving them within the limits of the regulation, but preserving the institution's assets where possible. 
• Overdrafts - Everything You Need to Know (for Now)
  What's the latest on overdrafts and overdraft fees? Have FDIC examiners begun citing banks for not complying with the November 2010 Final Overdraft Payment Supervisory Guidance? Have other regulators weighed in with guidance? Has the Consumer Financial Protection Bureau offered anything official or unofficial on the topic? Where do UDAP and UDAAP fit into the puzzle? Get an up-to-the-minute perspective on this controversial topic in John's informative two-hour discussion of Overdrafts-Everything You Need to Know (for Now).
   
• A - Z of Reg E
  While you have been working on lending and other Dodd-Frank issues, Reg E changed. Between opt-in rules impacting when you can charge an NSF fee to new gift card rules, you have to keep up. And Reg E was confusing enough to start with.
  
  If 67 million Americans have used a debit card for a purchase of less than $5 in the last month, you may well have a claim pending for an insignificant sum. Do you have to investigate claims? Is there a cost effective way to handle small claims? Can you lose money handling small claims the same way you handle large ones? Is there more to Reg. E than claims? Yes, yes, yes. We'll answer these questions in detail and dispel many of the urban myths that prevail in the world of Reg. E. Do I have to investigate a claim made more than 60 days after the debit or statement? Can I deny the claim because they refuse to file a police report? Am I compliant if I require a written claim, because my processor requires it? Tune in if these issues are not clear to you.
  
   
• Debit Cards – Your Error Resolution Problems Solved
  The most frequent questions we are asked pertaining to debit cards, branded or not, deal with claims. What has to be paid, when, and how is a decision on the claim to be made? When are you allowed to send a customer back to a merchant, what can you require from your customer, under which set of rules? And what if you settled the claim, but the merchant later comes back and says it was a valid charge and they're taking back the money you already paid to the customer?   From errors to claims, to the investigation and resolution, we'll cover it all with examples and your questions.
• VISA Debit Card Error Resolution: Do we always lose?
  As consumer friendly as Regulation E and VISA Zero Liability are, it often seems that the chips are stacked against the card issuer. As soon as the cardholder cries, "Fraud!" many institutions are already writing off a loss. In this comprehensive program, we will examine the chargeback process step by step to uncover what rights the institution has when faced with a cardholder's claim. From frontline staff who need to know what information to obtain from the cardholder when a dispute is filed, to the processing team who can protect the institution's rights by filing the correct chargeback code, this program will benefit all who are involved in the process.
• MasterCard Debit Card Error Resolution: Do we always lose?
  As consumer friendly as Regulation E and MasterCard Zero Liability are, it often seems the card issuer absorbs the loss in most cases. As soon as the cardholder cries, "Fraud!" many institutions are already writing off the dispute. In this comprehensive program, we will examine the chargeback process step by step to uncover what rights the institution has when faced with a cardholder's claim. This webinar will help frontline staff who need to know what information to obtain from the cardholder when a dispute is filed, as well as the processing team who can protect the institution's rights by filing the correct chargeback codes. Anyone involved in the process of handling MasterCard debit card error resolution claims can benefit.

• Auditing Deposit Products
  You must know that your compliance program for deposit products is up to par and specifically that you test for compliance. You have to know that you complete a statistically sound sampling, encompass everything which needs to be reviewed on a risk management basis and that tweaks are made to processes and procedures to avoid problems.
• Auditing for the "Orphan" Compliance Regulations
  Whether you are a compliance auditor or compliance officer, this session will assist in you identifying those "orphan" laws and regulations that can harbor serious risks.
• Auditing HMDA - Making it Right
  In addition to costly civil money penalties, HMDA errors can result in negative publicity, increased regulatory scrutiny, and, most frightening of all, attention from the Department of Justice. Whether you are an internal/external auditor, a loan officer who takes home mortgage applications, or the person responsible for the accuracy of the HMDA data, you have opportunities to either protect your financial institution from, or expose it to, HMDA problems. 
• Holds, Check 21, & More - Auditing for Regulation CC
  The two most important things to most people are their family and their money. Without their money they cannot take care of their family. If your financial institution places a hold on a customer's account, not only are they running the usual compliance risks, they are stepping into highly charged emotional territory. But being too cautious about delaying availability can expose a FI to unnecessary losses from kites, forgeries, and counterfeit checks.
• Combatting Internal Fraud Before it Happens
  This session reviews what every banker should know in order to combat internal fraud before it happens. The Association of Certified Fraud Examiners in its "Report to the Nation," states that "organizations lose 7% of their annual revenues to fraud." Many management teams don't believe this can happen in their bank until it does. We will discuss the types of environments that are fertile grounds for internal fraud such as mergers, weak internal controls or dysfunctional management styles. You will learn how and where internal thieves will spend stolen funds as well as how they keep their crime from being detected. This fast moving program will provide you with the "red flags" of an impending internal embezzlement along with the tools to expose it.
• Compliance Auditing
  Your compliance audits are more important now, than ever before. They are integral to a successful compliance program. You need these to manage risks, reduce potential losses and because your examiners will now review and validate your work as a part of their examination. Your audit program needs occasional "tweaking" to keep pace with regulatory changes, your strategic plan and your place in the market; that is, what you are actually doing on a daily basis. Developing, maintaining and redesigning your compliance audit program in a changing environment is vital today. This webinar is designed to give you information that will help the new compliance professional as well as a seasoned one. We'll lay down preliminary steps to take, the actual auditing and the important follow-up steps to prevent recurrence. If you can't stop it from happening again, you haven't completed your work. 
• Fair Credit Reporting Act: Revised Examination Procedures
  The last of the major FACT Act changes to the Fair Credit Reporting Act have been finalized and the updated exam procedures have been finalized. Find out what the changes are and how the agencies' exam procedures can help you craft an effective audit program.
• Getting the BSA Audit Right
  A BSA audit is one of the most important parts of a strong BSA program. Banks have been cited for inadequate audits and required to have new audits performed. This is a serious concern since the independent audit is one of the required elements of a BSA program. How can a bank be certain its BSA audit will satisfy regulators and provide the bank and its board of directors with the information needed to manage BSA risk? A BSA audit goes beyond checking for accuracy. 
• Auditing Reg Z for Consumer Residential Real Estate
  Way back in 1980 Congress simplified the Truth in Lending Act. From that moment, however, more and more layers of rules have been added, so that now it’s more complex than ever, and the pace of change only increased in the last two years. Your TILA audits have to keep pace. Find out about the new disclosure timing rules, escrow requirements, loan categories, fee restrictions and much more that you need to incorporate into your audit plans, in this information-packed webinar by Pat Cashman.
• Stealing from Within: Embezzlement & Data Theft
  The losses attributed to embezzlement are greater than those from all other financial crimes combined. When an institution experiences an embezzlement combined with a theft of its data, the potential losses can become astronomical. Embezzlement is both a "property" and a "people" crime -- it's not just a document or technological crime. Embezzlement is the intentional misuse or misappropriation of funds or property entrusted to an employee -- or some other person who has power, control, trust or authority over data, money or property. 
• X Marks the Spot: Auditing for RESPA
  RESPA has new rules. This webinar is on what you have to be doing to comply with those new rules. 
• Regulation Z - Revised Examination Procedures
  Whether you were in school decades or months ago, you know it was always helpful to know what information quizzes and exams would cover. That doesn't change when you're looking at regulators' compliance exams of banks-- you feel better prepared when you understand what the exam will be like. Join Mary Beth Guard and Jack Kolzknecht for their BOL Learning Connect webinar covering the January 2011 updated Regulation Z examination procedures, and get the information you need to ensure that your bank is as well-prepared as it can be for its next Truth in Lending compliance examination.
   
• A - Z of Web Site Auditing
  Manage your website's compliance with confidence. Know that change management has been incorporated into your culture, and that your site provides a reliable and safe place for customers to get information on your institution and lead them to online transactions, with the satisfaction that you are doing "it" right. Yes, even the simplest of web pages can violate the law and page counters can tell your regulator how many times this violation has been seen. Just because you saw it on a big bank's site doesn't mean it is OK for you to do. You must understand the risks and the rules. 
• Inherited IRAs and Death Distributions
  Handling the IRA of a decedent can be a complex task. Getting it wrong can mean IRS penalties for the Administrator, and extra taxes and penalties for the decedent's heirs. In this important program focusing on administration of decedents' IRAs, Debbie Crawford will step you through the process, starting with the IRA customer's death, to setting up files for spouse and nonspouse beneficiaries, transferring the IRA assets correctly, and completing proper IRS reporting, and much more.
• Auditing Escrows
   Change is moving at a fast pace and there is a lot to keep up with. That includes escrow accounts. We've heard of some lenders who said they would stop offering certain products because the escrow rules were too much of a burden. We think that is a drastic step. In this webinar you'll learn what the escrow requirements are and how to deal with them. From an auditor's perspective you'll learn what is required and when. This knowledge can be used in establishing these accounts as well, so lenders, loan administrators and auditors will all benefit from listening. We'll provide you with checklists and tools needed to ensure compliance.
   
• Identifying and Preventing Mortgage Loan Fraud
  Let the nation's top real estate and mortgage fraud expert demonstrate the most common frauds on applications, purchase and sales agreements, and appraisals. Real estate insider Richard Hagar SRA will even show you the top five methods used by borrowers for faking a down payment.
• Internal Fraud for the Beginning Security Officer
  Sooner or later, your bank will experience an internal embezzlement. How it is investigated and by whom can be critical to directors and senior management, who will be at least as concerned with the bank's image as with identifying and dealing with the embezzler. Whoever manages the investigation must be sensitive to the often competing concerns an internal embezzlement may raise. This webinar will give you the tools you need to help manage a successful investigation.
   
• The State of Security: Past, Present, and Future
  The pace of technological change, legislative and regulatory developments,
  and increasingly sophisticated criminals all combine to make data security a
  moving target. If you don't keep up with the changing environment, your
  bank's risk of data compromise or loss can only go up.
• How to Audit MSBs for Enhanced Due Diligence - What's Going On Here?
  Bank auditors want to make sure that enhanced due diligence programs for MSBs have kept current with regulatory change and with any changes in MSB activities. Join Pat Cashman for her information-packed presentation to understand the implications of FinCEN's new rules on prepaid access and what MSB activities your bank's EDD program should be scrutinizing.
• IT Regulatory Issues - What's on the Radar for 2011 Examinations
  What do you know about the opportunities and risks for your bank from social networking, cloud computing and unified communications? You can be sure that regulators are giving each of these areas increased attention as risks become better understood and examiners gain experience with banks deploying newer technologies. Help keep your bank informed on what to expect from regulators by attending this important presentation by Susan Orr.
   
• A - Z of Reg E
  While you have been working on lending and other Dodd-Frank issues, Reg E changed. Between opt-in rules impacting when you can charge an NSF fee to new gift card rules, you have to keep up. And Reg E was confusing enough to start with.
  
  If 67 million Americans have used a debit card for a purchase of less than $5 in the last month, you may well have a claim pending for an insignificant sum. Do you have to investigate claims? Is there a cost effective way to handle small claims? Can you lose money handling small claims the same way you handle large ones? Is there more to Reg. E than claims? Yes, yes, yes. We'll answer these questions in detail and dispel many of the urban myths that prevail in the world of Reg. E. Do I have to investigate a claim made more than 60 days after the debit or statement? Can I deny the claim because they refuse to file a police report? Am I compliant if I require a written claim, because my processor requires it? Tune in if these issues are not clear to you.
  
   
• The SAFE Act - Exactly How Does the Registration Process Work?
  The registration of your institution and Mortgage Loan Originators under the requirements of the SAFE Act regulations has to be completed by July 29. If you haven't started the registration process, or if you've run into roadblocks, Carl Pry's webinar on SAFE Act registration will provide a roadmap you can use to find your way through the multi-step journey.
   
• How to Audit for S.A.F.E. Act Compliance
  Agency regulations for SAFE Act compliance all require annual independent testing for compliance by either bank personnel or third parties. The regulations were effective on October 1, 2010, and the initial registration period will end on July 29, 2011. You should be planning now for annual audits to ensure that your institution is in compliance. Patricia Cashman's two-hour webinar will provide you with the information you need to form your SAFE Act compliance audit plans.
• How to Properly Handle Adverse Action
  Does your lending staff understand and follow the Regulation B adverse action notice requirements for consumer and business applicants? Are adverse action notices properly completed and delivered to consumers under the Fair Credit Reporting Act?
  
  Violations of either of those important requirements can land your institution in hot water and result in hundreds of hours of extra effort, not to mention negative public relations and civil penalties.
   
• Understanding Signature Cards, Resolutions and Account Agreements
• Overdraft Guidance & Best Practices
  Your institution probably pays overdrafts, at least occasionally. After more than a decade of concern about some overdraft payment practices, regulators have made several moves to regulate or guide institutions in their management of overdraft programs. Some banks have had to make significant changes as a result. To make sure your institution is up to date on regulatory rules and expectations, attend this information-packed webinar presented by David Dickinson and Jerod Moyer.
• Customer Authentication: The Bar has been Raised
  Corporate account takeovers have been in the news lately, and courts have come down on both sides -- the customer's and the bank's -- when banks' security efforts on their customers' behalf have been called into question. The FFIEC just raised the bar on regulatory expectations regarding customer authentication, and banks need to start pondering their next move to tighten security over the online systems that they and their customers use. Find out what the FFIEC now expects banks to do in their battle to protect customer and bank assets as Jeff Patterson and Susan Orr offer their two-hour presentation, "Customer Authentication: A Higher Standard."
• Insider Lending and Regulation O
  This program provides the information needed by the lending, compliance and audit staff to assure ongoing compliance with the regulation. Participants receive a detailed manual that serves as a handbook long after the program is completed. 
• Risk – Building a Foundation of Management
  Risk management is an often overused term for a task that you may have been put in charge of with no training whatsoever. But you don't know what you don't know. If you want to ensure that you have built a solid foundation for your risk management program, this webinar is for you. You will learn what is involved in recognizing and controlling risk so that what you are left with is both manageable and acceptable.
• Risk - Building a Foundation of Management
  Risk management is an often overused term for a task that you may have been put in charge of with no training whatsoever. But you don't know what you don't know. If you want to ensure that you have built a solid foundation for your risk management program, this webinar is for you. You will learn what is involved in recognizing and controlling risk so that what you are left with is both manageable and acceptable.
• UDAAP: A HUGE Compliance Influence is Coming
  Can you speak "UDAAP"? Learning how to understand this new compliance language could be the most important thing you do as the new Bureau begins to flex its consumer protection muscles. The addition of "abusive" to UDAP's familiar "unfair or deceptive," together with the Bureau's broad Dodd-Frank Act mandate for action, threaten to make "UDAAP" the most significant term ever to affect bank compliance. Now is the time to start preparing and to learn what's to come. This is the webinar that will give you an understanding of the breadth of the Bureau's mandate and what it can mean to your bank now and in the future.
• Unfair, Deceptive, or Abusive Acts and Practices
  Your ads may comply with Reg DD or Z. Your loan disclosures may conform to RESPA and TILA. But you could still run afoul of UDAAP, the new "unfair, deceptive or abusive acts or practices" standard to be established by the Consumer Financial Protection Bureau in your marketing, disclosure or delivery of products and services. UDAAP threatens to be a major concern, particularly to your lending function, and you need to know what to expect. Join Jack Holzknecht for his informative webinar as he offers suggestions about what the Bureau will target under its yet-to-be-proposed regulations.
   
• Managing and Reporting Fraud
  Fraud losses have been around since the beginning of time. The difference between now and then is that there are more ways to steal from a financial institution today. You must have a program in place to combat fraud losses. You must be proactive and not reactive, which is not to say you don’t need to react quickly when you hear of a new way money can be lost. This program is about defining your key strategies to help you detect, control and prevent fraud losses.
• FFIEC Supplement to Authentication Guidance
  The 2001 and 2005 FFIEC Guidance has been updated. The FFIEC has added Supplemental Guidance and you are required to be following this in January 2012. There have been significant changes and this webinar will help you understand what those changes are, and what you need to do to comply and protect both your customers and your bank.
• VISA Debit Card Error Resolution: Do we always lose?
  As consumer friendly as Regulation E and VISA Zero Liability are, it often seems that the chips are stacked against the card issuer. As soon as the cardholder cries, "Fraud!" many institutions are already writing off a loss. In this comprehensive program, we will examine the chargeback process step by step to uncover what rights the institution has when faced with a cardholder's claim. From frontline staff who need to know what information to obtain from the cardholder when a dispute is filed, to the processing team who can protect the institution's rights by filing the correct chargeback code, this program will benefit all who are involved in the process.
• MasterCard Debit Card Error Resolution: Do we always lose?
  As consumer friendly as Regulation E and MasterCard Zero Liability are, it often seems the card issuer absorbs the loss in most cases. As soon as the cardholder cries, "Fraud!" many institutions are already writing off the dispute. In this comprehensive program, we will examine the chargeback process step by step to uncover what rights the institution has when faced with a cardholder's claim. This webinar will help frontline staff who need to know what information to obtain from the cardholder when a dispute is filed, as well as the processing team who can protect the institution's rights by filing the correct chargeback codes. Anyone involved in the process of handling MasterCard debit card error resolution claims can benefit.
• Auditing RESPA
  RESPA rules have changed.
  
  Remember claiming that the "E" in GFE stood for estimate and there was no tolerance between the GFE and the final Settlement Statement?
  
  Well, there is a level of tolerance now. It is a key item that needs to be checked and audited. The tolerance levels for different fields, in addition to so much more will be reviewed in this webinar.
   
• How to Audit Your IRAs, HSAs and CESAs
  If you've been given the responsibility of managing your bank's IRA, HSA and/or Coverdell Education Savings Account program, you need to know the basics of managing and auditing the portfolio of client agreements and accounts, how to properly complete the related paperwork and reporting and how to correct errors that can and will occur. Get the information you need to get the job done in this information-packed two-hour webinar. 
• Is Your Bank Penetrable?
  One of the smartest ways to prevent unauthorized intrusions into your bank's data network is to learn about the techniques that are used to gain unlawful access. If you attend this information-packed webinar, you'll hear two nationally-recognized security experts explain the many ways that crooks can use social engineering and social networks like Facebook to trick your own employees into opening data intrusion opportunities. You'll also learn about key policies and procedures your bank can employ to prevent poor employee practices and tighten up the security controls protecting your valuable data.
   
• Annual Operations Compliance Recap
    The Dodd-Frank Act isn't just about lending reforms. There is plenty of potential in its hundreds of pages for changes that affect bank operations, too. The fledgling Bureau of Consumer Financial Protection will soon begin weighing in with consumer-oriented rules that will have an impact on your operations as well. But before dealing with what is on the compliance horizon, you need to ensure you've taken care of what's happened in the past year. We'll recap all the major developments so you can put them on your list of completed tasks or add them to your "catch up" list for immediate attention.
• Safe Deposit Past Due Boxes and Unclaimed Property
  If your bank rents safe deposit boxes, it has some that are past due, some that have to be drilled and, sometimes, contents removed from drilled boxes that have to be stored safely until claimed or transferred to the state's unclaimed property division. Knowing the right way to manage these everyday safe deposit challenges can protect your bank from huge potential lawsuits and losses. Learn the correct way from nationally known safe deposit industry expert David McGuinn in this information-packed webinar. 
• BSA/AML Compliance - Recent Developments & Common Errors
  This CD ROM will be available after February 9, 2012.
  
  Are you looking for an efficient, focused update & reminder on BSA Compliance? You've found it!
  
  WHAT?
  Ongoing Bank Secrecy Act (BSA) training is a legal requirement. For the experienced BSA Officer or Auditor, that training needs to focus on
  • recent developments and
  • reminders regarding key issues. This two hour session was designed for that group.
• How to Audit Advertising – Compliance Issues Everywhere!
  Marketing is a creative process. That means your bank's advertising is constantly changing, being updated and replaced. And that, of course, means that auditors and compliance officers are continually checking to ensure that creativity doesn't step outside the limits of compliance and that unauthorized, "rogue" ads don't get banks into regulatory or legal trouble. Pat Cashman's webinar will provide you the information and tools you need to keep your institution's advertising from causing exam citations and other problems.
   

• Auditing: BSA/AML/CIP
  Whether you are an internal auditor or an outsource vendor, this program will help you to identify deviations from laws, regulations and the institution's policies, document your procedures, and report the findings to management.
• BSA/AML 101: Back to Basics
  There is certainly no shortage of information on the subject! In fact, there seems to be so much that you are swimming in what seems to be an ocean of forms, procedures, policies, guidelines and acronyms - CTR, SAR, MIL, MSB, USA PATRIOT, C&D. Even the most seasoned BSA/AML officer can feel overwhelmed. This session is designed for new BSA/AML or compliance officers and auditors employed by banks, thrifts and credit unions, or those professionals who want a refresher on the basics.
• BSA/AML Compliance for Directors
  This presentation emphasizes BSA/AML basics. It addresses about what board members are expected to do and why they are expected to do it. The training should be supplemented by a review of your institution's procedures and processes for assuring compliance. 
• BSA/AML Compliance for Lenders
  This program is designed specifically to meet the training needs of loan and loan administration personnel regarding Bank Secrecy Act (BSA) and anti-money laundering compliance.
• BSA/AML Compliance - Recent Developments & Common Errors
  This CD ROM will be available after February 9, 2012.
  
  Are you looking for an efficient, focused update & reminder on BSA Compliance? You've found it!
  
  WHAT?
  Ongoing Bank Secrecy Act (BSA) training is a legal requirement. For the experienced BSA Officer or Auditor, that training needs to focus on
  • recent developments and
  • reminders regarding key issues. This two hour session was designed for that group.
• BSA/AML/OFAC Policies: What should they include? How should we say it?
  This webinar is about how to organize and write policies on three critical compliance issues: Bank Secrecy Act, Anti-Money-Laundering and Office of Foreign Assets Control.
• Updating Your AML Program - CIP, Customer Due Diligence and Enhanced Due Diligence
  Decisions to open new accounts, assign risk ratings, determine appropriate levels of monitoring, file suspicious activity reports and unilaterally close accounts are all based on information. Decisions are either based on facts the bank has or facts which it assumes. However, if the bank does not have an adequate amount of data, it makes crucial decisions based on pure guesswork. This webinar is about asking the right questions and using the information obtained correctly.
• Currency Transaction Report: Form Completion
  Join Ken Golliher in this fast-paced two-hour webinar designed to review the basics of CTR completion. You'll get a detailed manual that will be a valuable resource for long after the webinar is completed. 
• Updating Your BSA/AML/OFAC Risk Assessment
  Nestled among many, many requests for documents in your next BSA/AML pre-examination questionnaire you will still find: "Make available copies of management's BSA/AML risk assessment of products, services, customers, and geographic locations."
  
  The "given" is that the risk assessment you provided in anticipation of your last examination will not work for this examination.
  
  One of the bad things about "risk" is that it continues to evolve. So, risk assessments must be continuously updated.
  
  This webinar is about looking at what you have done in the past and searching for ways to make improvements. Get your planning committee together to listen in - we're about to save you a lot of time and make you a lot more confident of your efforts.
  
   
• Keeping Bank Secrets: Things You Can Go to Jail for Telling
  All your personnel need to have a clear understanding of where the legal lines for confidentiality are drawn by the federal government and what the consequences are of crossing one of them. This webinar spells it all out for you. 
• Keeping Bank Secrets: Things You Can Go to Jail for Telling (Institution-Wide Edition)
  This training program is a one-hour excerpt from the webinar "Keeping Bank Secrets." The other half of the Keeping Bank Secrets webinar is geared toward the person responsible for ensuring secrecy compliance, rather than all institution employee
• Nailing Gelatin to a Wall – Monitoring E-banking Activity for Fraud & AML Activity
  This session will assist you in: Identifying various e-banking products that can, and probably do, flow through your financial institution. Utilizing your CIP and "Know Your Customer" procedures. Detecting unusual e-banking activity (AML & Red Flag). Developing policies & procedures to assist in reducing the risks associated with e-banking. Creating internal controls and a risk-based audit program 
• Insider Tips on Banking MSBs
  During this session, you will hear "Insider Tips" focused on managing the level of risk for each MSB customer.
• Insider Tips - Bank Secrecy Act
  You have just finished your BSA/AML/CIP risk assessments, revised the policies, and rewritten the procedures for each. Not an easy feat, right? But, at the next area compliance meeting or on a BOL thread, you begin to hear horror stories about examiners ripping to pieces those very things at local financial institutions - those with supposedly strong programs. Doubt begins to set in as you wonder if you have done enough. 
• Preparing For Your Next On-site BSA/AML Examination
  You know your regulator will eventually be stopping by to evaluate your institution's BSA/AML compliance program.
  
  This webinar addresses such things as staying abreast of regulatory hot buttons, reviewing the results of the previous examination, responding to the pre examination questionnaire, the first on site meeting, identifying contact personnel, and a variety of other things you can do to prepare for the inevitable and make certain the evaluation you receive is accurate. 
  
   
• Recognizing Suspicious Activity
    This program that includes real examples will help your staff recognize activity that warrants further investigation, and furthermore, realize the importance of reporting suspect activity for follow up and SAR filing
• SAR Case Studies
  This review is meant to assist the new and the experienced employee with the basics of SARs as well as the fine points that make them useful, and help protect you from criticism. 
• SAR Decision Making and Documentation
  Banks must have a demonstrable SAR filing and decision making process and this program focuses on how to build and document just such a process. 
• Suspicious Activity Reporting: Form Completion
  This webinar focuses on how depositary institutions are to complete the Suspicious Activity Report (SAR), Form TD F 90-22.47.
• CIP, Customer Due Diligence and Enhanced Due Diligence
  This session talks about the new accounts process, specifically how to layer questions and decision making to identify potential high risk customers at account opening. It shows how to create a tiered CIP and develop a dependable process involving due diligence and enhanced due diligence. 
• 2009 FFIEC GUIDANCE: Remote Deposit Capture and Risk
  This guidance covers the consideration of a strategic plan in regard to the product offering and is clear about the role of a risk assessment as part of the process. Also covered are the policies and procedures as they pertain to your institution, customers, transactions, operations and training that are recommended for inclusion in the overall RDC offering. Fraud and suggested controls to identify the type of fraud, mitigate the exposure and respond to fraud event are also reviewed.
• OFAC in 2011- Handling the Hits!
  Managing your bank's OFAC compliance program can't be a "write it once and forget it" event. It has to be kept current and responsive to the ever-changing developments in the OFAC compliance environment. There are new sanctions programs, updated licenses and hundreds of updates to the overall SDN listing. The changing realities of political and international influences on OFAC policy require that you keep your program adaptive and effective. Tim White's presentation will give you the latest information and show you how to help keep your institution out of trouble with OFAC and examiners alike.
   
• Keeping Bank Secrets: Things You Can Go to Jail for Telling
  There are certain documents within a bank that are considered to confidential that criminal prosecution can result from their disclosure. Suspicious Activity Reports are an obvious example, but federal grand jury subpoenas, 314(a) requests, some search warrants - are examples of others cloaked in secrecy backed up by the threat of jail time. This webinar covers what every financial institution employee and director must know about keeping bank secrets.
   
• How to Audit MSBs for Enhanced Due Diligence - What's Going On Here?
  Bank auditors want to make sure that enhanced due diligence programs for MSBs have kept current with regulatory change and with any changes in MSB activities. Join Pat Cashman for her information-packed presentation to understand the implications of FinCEN's new rules on prepaid access and what MSB activities your bank's EDD program should be scrutinizing.
• Teller Compliance Issues: UCC 3 & 4, Reg CC and BSA
  How many issues can a teller have working on the frontline? Money can be lost because of bad checks, BSA violations can occur, Reg CC holds can placed or not placed in error, and there are countless others. Many of these problems will be discussed in this two hour webinar designed to make your tellers work effectively for the bank and the customer, plus you can meet BSA and Reg CC training needs. Working smarter means losing less money on checks and less time over regulatory issues. Read more of this webinar that will increase the efficiency of your frontline staff.
   
• Annual Operations Compliance Recap
    The Dodd-Frank Act isn't just about lending reforms. There is plenty of potential in its hundreds of pages for changes that affect bank operations, too. The fledgling Bureau of Consumer Financial Protection will soon begin weighing in with consumer-oriented rules that will have an impact on your operations as well. But before dealing with what is on the compliance horizon, you need to ensure you've taken care of what's happened in the past year. We'll recap all the major developments so you can put them on your list of completed tasks or add them to your "catch up" list for immediate attention.

• Deposit Account Closings and Changes
  In this webinar, we cover account closings, name or address changes, adding signers and owners, adding/changing POD and Totten trust beneficiaries, removing signers and joint owners, deaths, guardianships and conservatorships, coming-of-age and UTMA accounts, and more. 
• Deposit Insurance: What Customers Should Know
  Join John Burnett for this important webinar on FDIC and NCUSIF coverage to find out what you should be telling customers now, as well as what to avoid. In this session, John will review the basics of FDIC and NCUSIF insurance, including the newest changes affecting that coverage and the Transaction Account Guarantee Program. 
• Deposit Insurance: What You Need to Know NOW - UPDATE
  Get the latest information in a thorough review of the FDIC's regulations and the insurance coverage laws as they stand NOW. Understanding deposit insurance coverage will require more than simply replacing "$100,000" with $250,000 every place in the rules. Get a full explanation of the current rules, with the temporary increase and more recent changes, and completely revised materials you can use to ensure that your frontline staff members have what they need to explain the intricacies of deposit coverage to present and future customers. 
• Managing a Successful Branch
  This program will show you how to combat negativity and resistance to change in your branch, your team and yourself! Benefit from the experience of one who knows how to achieve goals through management of people and processes. 
• Documenting Business Deposit Accounts: Establishing Existence and Authority
  This webinar provides simple explanations regarding sole proprietorships, partnerships, corporations, and limited liability companies. The program first focuses on how they are established, why the business owners might choose one form of business organization over another and what documents the bank might reasonably require to verify a business' existence.
• Opening Fiduciary Accounts: Documenting Existence and Authority
  Oftentimes, a fiduciary such as a guardian, a custodian, an attorney-in-fact, or a personal representative is required to open bank accounts and handle funds as a part of that fiduciary relationship. This program focuses on those occasions. 
• Inherited IRAs and Death Distributions
  Handling the IRA of a decedent can be a complex task. Getting it wrong can mean IRS penalties for the Administrator, and extra taxes and penalties for the decedent's heirs. In this important program focusing on administration of decedents' IRAs, Debbie Crawford will step you through the process, starting with the IRA customer's death, to setting up files for spouse and nonspouse beneficiaries, transferring the IRA assets correctly, and completing proper IRS reporting, and much more.
• Overdrafts - Everything You Need to Know (for Now)
  What's the latest on overdrafts and overdraft fees? Have FDIC examiners begun citing banks for not complying with the November 2010 Final Overdraft Payment Supervisory Guidance? Have other regulators weighed in with guidance? Has the Consumer Financial Protection Bureau offered anything official or unofficial on the topic? Where do UDAP and UDAAP fit into the puzzle? Get an up-to-the-minute perspective on this controversial topic in John's informative two-hour discussion of Overdrafts-Everything You Need to Know (for Now).
   
• Mastering the Art of Cross-Selling
  In spite of regulatory change and a challenging economic environment, cross-selling must remain a priority for your bank's customer contact personnel. Keeping their cross-selling skills finely honed can be the difference between success and failure. Join Honey Shelton for this presentation and you'll learn how to implement skills, strategies and standards that will raise the bar when it comes to cross-selling outcomes.
• A - Z of Reg E
  While you have been working on lending and other Dodd-Frank issues, Reg E changed. Between opt-in rules impacting when you can charge an NSF fee to new gift card rules, you have to keep up. And Reg E was confusing enough to start with.
  
  If 67 million Americans have used a debit card for a purchase of less than $5 in the last month, you may well have a claim pending for an insignificant sum. Do you have to investigate claims? Is there a cost effective way to handle small claims? Can you lose money handling small claims the same way you handle large ones? Is there more to Reg. E than claims? Yes, yes, yes. We'll answer these questions in detail and dispel many of the urban myths that prevail in the world of Reg. E. Do I have to investigate a claim made more than 60 days after the debit or statement? Can I deny the claim because they refuse to file a police report? Am I compliant if I require a written claim, because my processor requires it? Tune in if these issues are not clear to you.
  
   
• 2011 Safe Deposit Compliance Update
  How current are your bank’s safe deposit vault procedures? Have they been reviewed and revised in light of recent regulatory or legal developments? Spend two hours with nationally-known industry expert Dave McGuinn in his 2011 Safe Deposit Update webinar, and you’ll have the information you need to ensure your procedures are current and protecting your band from avoidable losses.
• Understanding Signature Cards, Resolutions and Account Agreements
• Overdraft Guidance & Best Practices
  Your institution probably pays overdrafts, at least occasionally. After more than a decade of concern about some overdraft payment practices, regulators have made several moves to regulate or guide institutions in their management of overdraft programs. Some banks have had to make significant changes as a result. To make sure your institution is up to date on regulatory rules and expectations, attend this information-packed webinar presented by David Dickinson and Jerod Moyer.
• Issues with Deceased Customers
  In this program, we examine how a customer's death impacts deposit accounts, CDs and safe deposit boxes. 
• Teller Compliance Issues: UCC 3 & 4, Reg CC and BSA
  How many issues can a teller have working on the frontline? Money can be lost because of bad checks, BSA violations can occur, Reg CC holds can placed or not placed in error, and there are countless others. Many of these problems will be discussed in this two hour webinar designed to make your tellers work effectively for the bank and the customer, plus you can meet BSA and Reg CC training needs. Working smarter means losing less money on checks and less time over regulatory issues. Read more of this webinar that will increase the efficiency of your frontline staff.
   
• VISA Debit Card Error Resolution: Do we always lose?
  As consumer friendly as Regulation E and VISA Zero Liability are, it often seems that the chips are stacked against the card issuer. As soon as the cardholder cries, "Fraud!" many institutions are already writing off a loss. In this comprehensive program, we will examine the chargeback process step by step to uncover what rights the institution has when faced with a cardholder's claim. From frontline staff who need to know what information to obtain from the cardholder when a dispute is filed, to the processing team who can protect the institution's rights by filing the correct chargeback code, this program will benefit all who are involved in the process.
• MasterCard Debit Card Error Resolution: Do we always lose?
  As consumer friendly as Regulation E and MasterCard Zero Liability are, it often seems the card issuer absorbs the loss in most cases. As soon as the cardholder cries, "Fraud!" many institutions are already writing off the dispute. In this comprehensive program, we will examine the chargeback process step by step to uncover what rights the institution has when faced with a cardholder's claim. This webinar will help frontline staff who need to know what information to obtain from the cardholder when a dispute is filed, as well as the processing team who can protect the institution's rights by filing the correct chargeback codes. Anyone involved in the process of handling MasterCard debit card error resolution claims can benefit.
• Opening Multi-tiered Business Accounts
  Opening accounts for entities like partnerships, LLCs and corporations can be complicated, especially when the owners of the entities are other business organizations or trusts. Digging through and understanding the documentation required to open these accounts can be daunting. This two-hour webinar will help you organize that effort, understand the layers of management and ownership you may be dealing with, and get the accounts established properly for your bank.
• CRA – New Opportunities to Improve Your Rating
  
  • In the last couple of years, regulators have added some additional opportunities for financial institutions to receive "credit" toward their CRA evaluations. This webinar will provide you with the information you need to help determine whether your institution can or should pursue any of these opportunities to help out your CRA rating.
• IRAs -- The Basics
  Whether you've just been become the IRA Coordinator at your financial institution or have been handling IRAs for a while and want a refresher on the basics of this complex service, Patrice Konarik's webinar, "IRAs--The Basic Facts," will provide the information you can use to create a sound foundation for your institution's IRA program's.
• IRA Advanced - Complicated Issues
  If you have a good grasp of IRA basics but need information on recent developments and the more complex IRA questions involving transfers, rollovers, distributions, and IRS reporting, Patrice Konarik's webinar, "IRAs--Complicated Issues," is just what you've been looking for.
• 10 Compliance Hotspots for Opening Deposit Accounts
  Opening deposit accounts correctly means much more than running through a checklist to ensure you've handed out the right disclosure documents. How well your bank manages the account-opening process can greatly affect not only your compliance with regulations, but also your bank's exposure to fraud and avoidable lawsuits. Get the information you need to ensure your bank has the right policies and procedures for new accounts in this information-packed two-hour webinar from Deborah Crawford.
• Elder Fraud: The Baby Boomers' Nightmare
  The threat of elder financial abuse is guaranteed to present a fast-growing threat to your institution and its valued customers as baby boomers age. There has never been such a huge growth market for swindlers and other con artists to tap, and many of your best-educated and most valuable customers will be targeted. Find out why they are such attractive targets, how to detect the symptoms of elder abuse when your customers are victimized, and what steps your staff can and should take when elder abuse is suspected in this important new webinar presented by Barry Thompson and Arvin Clar.
   
• Stop Payments
   You cannot afford confusion among your staff about stop payment orders. Knowing which items can and cannot be stopped is critical. You also need to know whether a customer’s stop order is timely, or too late. Join John Burnett for his Stop Payment webinar, and get the answers. Learn whether the bank is “stuck” if a stopped ACH item is paid, whether to accept a stop payment on a cashier’s check, and much more
• Becoming a Dynamic Branch Manager
    Branch managers are expected to be effective leaders who can marshal their staff and guide them to make the branch meet or exceed the expectations of senior management. All this while meeting and greeting customers old and new, being involved in local civic and business affairs…the list goes on and on.  Learn how to develop a business plan for your branch, and how to help your staff members work successfully toward goals for the branch, the organization, and themselves in this high-energy presentation from Honey Shelton.
• Powers of Attorney
    Are you intimidated by powers of attorney? These documents don’t have to keep you awake nights if you understand their special terminology, what they are used for, when they can (and can’t) be used, and what you need to do to both assist your customer and protect your bank. Join Mary Beth Guard and John Burnett in this important two-hour webinar, and you’ll feel much more confident the next time someone asks you to accept a power of attorney.

• Business Continuity Plan
  Remember when you only needed to have a plan in place for evacuating your employees in the event of a disaster, making sure you could gracefully shut down your computers, and have backup so you could restore your systems? Since 9/11 there has been a renewed focus on disaster recovery - one of business continuity. Disruptions can occur at any time for a variety of reasons and with a variety of outcomes encompassing natural disasters, technical failures, and human error. Being able to keep your doors open or at least still being able to serve your customers is imperative to your survival.
• Safe Deposit Disasters Spark Lawsuits
  Your speaker knows first hand what to look for; from the most common errors to the not so common, but potentially costly mistakes. This presentation will help you review your own internal procedures. 
• When Social Media Attacks
  If your institution has a Social Media presence or is weighing the idea, the goal is often to "get your name out there."   Has management considered that Social Media can also be used by someone with an agenda to attack your institution's reputation -- even its "bottom line"? Join Barry Thompson for his informative two-hour presentation to learn how Social Media can work either for your institution or against it, and how to remain vigilant to detect attacks before they do irreparable harm.
   

• Avoiding Losses on Treasury Checks
  This training provides a comprehensive look at what every financial institution should know about these special checks.
• Bogus Cashier's Checks: Protecting Your Bank and Customers
  Join BOL Guru John Burnett in this two-hour presentation designed to help you recognize the signs of cashier's check fraud, and understand what you can do to prevent it. 
• Check Fraud Detection and Prevention
  In the first part of this session, you will learn the basic steps in check fraud detection - the most common methods used to commit check fraud, the standard and "hidden" parts of a check, the different types of endorsements and their importance under the Uniform Commercial Code ("UCC"), visual and non-visual checks every bank employee should know when looking at a check, the steps to follow when accepting/cashing a check, and four simple steps to spot forged checks. In the second part of the session, we will discuss how customers confuse when a check is available (Regulation CC) and when a check has cleared and how bank employees fail to communicate this information correctly and we will offer concrete remedies to help solve this growing customer service issue,
• Regulation CC - After Fed Consolidation
   This webinar will give you what you need to understand to stay in compliance with the complex rules of the regulation, or return to compliance now that check processing consolidation has been completed.
• Return Items: The Depositary Bank's Perspective
  This training program explains when you (and your depositor) are liable for returned deposited items, and when you can legitimately push that liability back to the paying bank. 
• Return Items: The Paying Bank Perspective
  We will be focusing on paper checks (real and alleged) in this two-hour session. Electronic items will not be addressed. During the session, we will develop a "best practices" approach for handling customer claims on items you've charged to their accounts.
• 2009 FFIEC GUIDANCE: Remote Deposit Capture and Risk
  This guidance covers the consideration of a strategic plan in regard to the product offering and is clear about the role of a risk assessment as part of the process. Also covered are the policies and procedures as they pertain to your institution, customers, transactions, operations and training that are recommended for inclusion in the overall RDC offering. Fraud and suggested controls to identify the type of fraud, mitigate the exposure and respond to fraud event are also reviewed.
• Avoiding Check Losses - Frontline
  The program is presented in plain language by a trainer who will not bury your personnel in mumbo jumbo and supported by materials that serve as an excellent reference at the teller window and at the new accounts desk. It is one of the few training programs that can pay for itself the next day by avoiding a loss on a bad check. 
• Check Handling for Tellers
  This Webinar will help arm your tellers with essential information about the Uniform Commercial Code and other provisions that affect checks. 
• UCC Magic - Checks and Deposits
  This CD ROM will be available after February 18, 2011. Mary Beth Guard and John Burnett lead you through the interconnected mass of  provisions within UCC Articles 3 and 4 so that you can understand the
  legal basis of your account relationship with depositors and how the law determines rights and responsibilities of each of the parties in the check payment process.
• Overdrafts - Everything You Need to Know (for Now)
  What's the latest on overdrafts and overdraft fees? Have FDIC examiners begun citing banks for not complying with the November 2010 Final Overdraft Payment Supervisory Guidance? Have other regulators weighed in with guidance? Has the Consumer Financial Protection Bureau offered anything official or unofficial on the topic? Where do UDAP and UDAAP fit into the puzzle? Get an up-to-the-minute perspective on this controversial topic in John's informative two-hour discussion of Overdrafts-Everything You Need to Know (for Now).
   
• Regulation CC-The Fed's Proposed Makeover
  You've asked when the Fed would implement the Dodd-Frank Act's $200 next-day rule in Regulation CC, and whether the references to "nonlocal" checks would be removed from the rule anytime soon. Many banks have struggled with making their disclosure documents current. The Fed has proposed amendments to take care of all those concerns, and much more. The Fed's proposal would also add inducements to convince banks that haven't yet done so to accept electronic return items, and shorten exception holds on deposited checks. This webinar will cover all the significant proposed changes, and inform you about matters on which the Fed has specifically asked for comment.
• Teller Compliance Issues: UCC 3 & 4, Reg CC and BSA
  How many issues can a teller have working on the frontline? Money can be lost because of bad checks, BSA violations can occur, Reg CC holds can placed or not placed in error, and there are countless others. Many of these problems will be discussed in this two hour webinar designed to make your tellers work effectively for the bank and the customer, plus you can meet BSA and Reg CC training needs. Working smarter means losing less money on checks and less time over regulatory issues. Read more of this webinar that will increase the efficiency of your frontline staff.
   

• Advertising Compliance, Avoiding the Pitfalls
  How you advertise your products can affect your bank's compliance rating. If you do it wrong, you can face fines and penalties and even lawsuits. So it makes sense to ensure that your advertising complies with applicable laws and regulations. Get the information you need to stay on the right side of advertising compliance, along with some excellent examples of ads that spell "Trouble with a Capital T" in this informative two-hour presentation.
   
• Customer Risk Assessment, Rating and Monitoring
  Learn how to organize and implement a system for identifying high risk customers in connection with on-site BSA examinations.
• CAN SPAM and Do Not Call, Addressing these marketing rules
  What are you required to have, and to do for email solicitations, telephone calls and faxes that advertise your products and services? These are the questions we'll answer in this "more than marketing" webinar.
• Freebies, Bonuses & Contests
  As the pressure to attract new customers gets intense, bankers are often tempted to try sales gimmicks to capture market share. Often there is confusion about what legal and regulatory limits are put on these sales efforts.
• Regulation Z – New Advertising Rules
  This two-hour webinar covers all of the new Regulation Z advertising rules and places the changes in context of the existing Regulation Z advertising requirements.
• Common Mistakes in UCC Filing
  This two-hour seminar focuses on common errors in preparing and filing UCC documents and the steps necessary to eliminate the errors.
• ACH: Performing Both a Self-Test and Compliance Audit
  As a NACHA participating member you have to complete a self-audit annually, before December 1st. This isn't a new requirement, but many bankers are asking for guidance, where do you start,  how do you find resources, how do you identify risks and how do you get the most out of an audit. 
• Auditing: BSA/AML/CIP
  Whether you are an internal auditor or an outsource vendor, this program will help you to identify deviations from laws, regulations and the institution's policies, document your procedures, and report the findings to management.
• Auditing for the "Orphan" Compliance Regulations
  Whether you are a compliance auditor or compliance officer, this session will assist in you identifying those "orphan" laws and regulations that can harbor serious risks.
• HMDA - Preparing for the March 1, 2011 Data Submission
  This CD ROM will be available after February 22, 2011.
  All HMDA-reporting financial institutions must submit 2010 HMDA data to their regulator by March 1, 2011. This program prepares you for that task.
• A - Z of Reg E
  While you have been working on lending and other Dodd-Frank issues, Reg E changed. Between opt-in rules impacting when you can charge an NSF fee to new gift card rules, you have to keep up. And Reg E was confusing enough to start with.
  
  If 67 million Americans have used a debit card for a purchase of less than $5 in the last month, you may well have a claim pending for an insignificant sum. Do you have to investigate claims? Is there a cost effective way to handle small claims? Can you lose money handling small claims the same way you handle large ones? Is there more to Reg. E than claims? Yes, yes, yes. We'll answer these questions in detail and dispel many of the urban myths that prevail in the world of Reg. E. Do I have to investigate a claim made more than 60 days after the debit or statement? Can I deny the claim because they refuse to file a police report? Am I compliant if I require a written claim, because my processor requires it? Tune in if these issues are not clear to you.
  
   
• Account Restrictions: Ownership, Transactions and Interest
  Join John for the facts on defining savings accounts and required monitoring procedures you must have in place. He'll discuss the nuances of NOW account ownership, regardless of what you call your product and you'll learn why an interest bearing checking account, isn't really a checking account.
• Annual Operations Compliance Recap
    The Dodd-Frank Act isn't just about lending reforms. There is plenty of potential in its hundreds of pages for changes that affect bank operations, too. The fledgling Bureau of Consumer Financial Protection will soon begin weighing in with consumer-oriented rules that will have an impact on your operations as well. But before dealing with what is on the compliance horizon, you need to ensure you've taken care of what's happened in the past year. We'll recap all the major developments so you can put them on your list of completed tasks or add them to your "catch up" list for immediate attention.
• e-Disclosures, ESIGN, UETA and Regulatory Changes
    Requirements in Regs. E and Z have recently been modified. These will be discussed in detail. This presentation offers all the information you need in order to plan for low risk e-delivery or to review e-delivery systems already in place.
• Reg E Claims - Approvals and Denials
  In this information-packed webinar, you and your staff members will see Andy demonstrate a free program that can help your bank both investigate Reg E claims and manage/audit them for compliance. He'll discuss the four time periods available to you in the investigatory process and how to determine which applies to each claim (as well as which time period was actually followed). 
• Mandatory Reporting of Appraisal Violations
  Did you know your institution could be fined $20,000 a day for failing to report certain violations of appraisal independence laws and regulations? Recent law changes have made optional reporting mandatory, and failing to file a report could be costly! Join Richard Hagar for this important 2-hour presentation to learn which violations must be reported, how to recognize them, and where and how to report, to help your institution avoid these onerous penalties.
   
• Annual Lending Compliance Recap
    The Dodd-Frank Act is changing the world of compliance and while the CFPB hasn't implemented all these changes yet, there are changes and you can't miss any of them.  This program is a fast-paced review of the highlights of all the developments in lending compliance in the past twelve months so you can be sure you've caught them all. Review what was to be done and how you have implemented these and do it before the CFPB starts a new round of massive changes.
• SCRA - What You Need to Know Based on Legal Changes, Foreclosures, Risks and More
  "Chase Broke Law in Soldiers' Foreclosures"
  This and similar headlines have been in the national press as one of the largest banks admitted that it may not have followed the law and did not reduce servicemember interest rates in instances where the SCRA would have required it to do so and may have foreclosed on real estate without being in compliance with the SCRA.
  
  Chase isn't the only financial institution to run afoul of the Servicemembers Civil Relief Act. The new Consumer Financial Protection Bureau includes an Office of Servicemember Affairs has already begun looking hard at financial institution compliance with the SCRA and is urging banks to "take steps to educate all your employees about the financial protections" in the Servicemembers Civil Relief Act.
  
  The law has been amended in recent years. With the changes to the law, the elevation of its profile in light of recent headlines and scrutiny from the CFPB, you know your examiners will be reviewing any accounts you have, or should have, in the SCRA category. What you must know will be discussed in this webinar, so your bank can avoid mistakes, lawsuits, examiner criticism and negative publicity.
   
• Keeping Bank Secrets: Things You Can Go to Jail for Telling
  There are certain documents within a bank that are considered to confidential that criminal prosecution can result from their disclosure. Suspicious Activity Reports are an obvious example, but federal grand jury subpoenas, 314(a) requests, some search warrants - are examples of others cloaked in secrecy backed up by the threat of jail time. This webinar covers what every financial institution employee and director must know about keeping bank secrets.
   
• The State of Security: Past, Present, and Future
  The pace of technological change, legislative and regulatory developments,
  and increasingly sophisticated criminals all combine to make data security a
  moving target. If you don't keep up with the changing environment, your
  bank's risk of data compromise or loss can only go up.
• Auditing Escrows
   Change is moving at a fast pace and there is a lot to keep up with. That includes escrow accounts. We've heard of some lenders who said they would stop offering certain products because the escrow rules were too much of a burden. We think that is a drastic step. In this webinar you'll learn what the escrow requirements are and how to deal with them. From an auditor's perspective you'll learn what is required and when. This knowledge can be used in establishing these accounts as well, so lenders, loan administrators and auditors will all benefit from listening. We'll provide you with checklists and tools needed to ensure compliance.
   
• 2011 Fair Lending Review and Update
  There are lots of lending compliance challenges today, but you can't afford to push Fair Lending to the bottom of your compliance list. New exam procedures, increased focus by the Department of Justice, changes mandated by the Dodd-Frank Act and concerns about Fair Lending in workouts and foreclosures all add up to keep Fair Lending at the center of regulatory scrutiny. This information-packed two-hour webinar will convince you of the ongoing importance of Fair Lending compliance to your institution, and give you the information you need to help avoid violations and DOJ referrals.
• New Requirements for Identifying Exempt Funds When Processing Garnishment
  This webinar explains interagency regulations that take effect May 1, 2011.  Those regulations mandate new procedures that financial institutions must follow when they receive a garnishment order.  They first require the financial institution to determine whether the account holder has received certain types of federal benefit payments by direct deposit during a specific “lookback” period.  If, yes, the financial institution is required to calculate a “protected amount.” That amount is not to be delivered to the claimant, nor is it to be frozen.  The account holder is to have uninterrupted access to the protected amount and the financial institution must send a notice to the customer explaining his rights.   This webinar assists attendees in both understanding the rule and how to establish compliant procedures for their institution.    State law is not addressed.
• The SAFE Act - Exactly How Does the Registration Process Work?
  The registration of your institution and Mortgage Loan Originators under the requirements of the SAFE Act regulations has to be completed by July 29. If you haven't started the registration process, or if you've run into roadblocks, Carl Pry's webinar on SAFE Act registration will provide a roadmap you can use to find your way through the multi-step journey.
   
• Clarifying the Credit CARD Act Rules - Reg Z Changes Again October 1
  If you thought you had all of the Regulation Z changes brought about by the Credit CARD Act of 2009 under control, think again. The Fed has issued yet another set of changes affecting applications, disclosures, advertising and more that will affect all issuers of credit cards by October 1, 2011. To be sure you understand all of these changes and get them implemented on time, join Jack Holzknecht and John Burnett in their detailed analysis of the changes and what they mean to credit card issuers.
• How to Audit for S.A.F.E. Act Compliance
  Agency regulations for SAFE Act compliance all require annual independent testing for compliance by either bank personnel or third parties. The regulations were effective on October 1, 2010, and the initial registration period will end on July 29, 2011. You should be planning now for annual audits to ensure that your institution is in compliance. Patricia Cashman's two-hour webinar will provide you with the information you need to form your SAFE Act compliance audit plans.
• Keeping Up with the ACH Rules
  This webinar will provide you with the knowledge to confidently answer questions about and resolve problems with ACH rules we must all live by, and to plan for the important new changes in those rules.
   
• Debit Cards – Your Error Resolution Problems Solved
  The most frequent questions we are asked pertaining to debit cards, branded or not, deal with claims. What has to be paid, when, and how is a decision on the claim to be made? When are you allowed to send a customer back to a merchant, what can you require from your customer, under which set of rules? And what if you settled the claim, but the merchant later comes back and says it was a valid charge and they're taking back the money you already paid to the customer?   From errors to claims, to the investigation and resolution, we'll cover it all with examples and your questions.
• Issues with Deceased Customers
  In this program, we examine how a customer's death impacts deposit accounts, CDs and safe deposit boxes. 
• It's probably time to revise your loan policies and procedures
  How effective are your bank's written loan policies? Do they reflect the bank's actual policies and procedures, or has time made them outdated? Inadequate or outdated loan policies are invitations to error, unnecessary risks and losses, and regulatory criticism. Attend Adam LaBoda's presentation on Effective Loan Policies to get the information you need to help get your bank's policies current and make them work to the bank's benefit.
• Inherited IRAs and Death Distributions
  Handling the IRA of a decedent can be a complex task. Getting it wrong can mean IRS penalties for the Administrator, and extra taxes and penalties for the decedent's heirs. In this important program focusing on administration of decedents' IRAs, Debbie Crawford will step you through the process, starting with the IRA customer's death, to setting up files for spouse and nonspouse beneficiaries, transferring the IRA assets correctly, and completing proper IRS reporting, and much more.
• How to Properly Handle Adverse Action
  Does your lending staff understand and follow the Regulation B adverse action notice requirements for consumer and business applicants? Are adverse action notices properly completed and delivered to consumers under the Fair Credit Reporting Act?
  
  Violations of either of those important requirements can land your institution in hot water and result in hundreds of hours of extra effort, not to mention negative public relations and civil penalties.
   
• Understanding Signature Cards, Resolutions and Account Agreements
• New Credit Score Disclosures: New Amendments to Regs B and V
  FCRA amendments requiring that information on credit scores be included in risk-based pricing notices and adverse-action notices will be effective July 21, 2011, and implementing amendments to the Fed's regulations B and V will be effective soon thereafter. Will the new requirements affect your bank's operations? What changes will you have to implement, and when? Get the information you need to comply with the updated rules in this BOL Learning Connect webinar.
• Insider Lending and Regulation O
  This program provides the information needed by the lending, compliance and audit staff to assure ongoing compliance with the regulation. Participants receive a detailed manual that serves as a handbook long after the program is completed. 
• Overdraft Guidance & Best Practices
  Your institution probably pays overdrafts, at least occasionally. After more than a decade of concern about some overdraft payment practices, regulators have made several moves to regulate or guide institutions in their management of overdraft programs. Some banks have had to make significant changes as a result. To make sure your institution is up to date on regulatory rules and expectations, attend this information-packed webinar presented by David Dickinson and Jerod Moyer.
• Risk - Building a Foundation of Management
  Risk management is an often overused term for a task that you may have been put in charge of with no training whatsoever. But you don't know what you don't know. If you want to ensure that you have built a solid foundation for your risk management program, this webinar is for you. You will learn what is involved in recognizing and controlling risk so that what you are left with is both manageable and acceptable.
• UDAAP: A HUGE Compliance Influence is Coming
  Can you speak "UDAAP"? Learning how to understand this new compliance language could be the most important thing you do as the new Bureau begins to flex its consumer protection muscles. The addition of "abusive" to UDAP's familiar "unfair or deceptive," together with the Bureau's broad Dodd-Frank Act mandate for action, threaten to make "UDAAP" the most significant term ever to affect bank compliance. Now is the time to start preparing and to learn what's to come. This is the webinar that will give you an understanding of the breadth of the Bureau's mandate and what it can mean to your bank now and in the future.
• Digging Deeper into Appraisals: Guidelines, Reviews, and More
  The appraisal rules have changed and will be changing more in the near future. This webinar is designed to answer your questions on what examiners will expect from you, how to address the risks inherent with the existing and new rules, and how to handle the day-to-day requirements surrounding the appraisal rules. We will also deal with one of the most pressing issues, appraisal independence, as well as evaluations that aren't really appraisals, but need your attention as well.
  
   
• FFIEC Supplement to Authentication Guidance
  The 2001 and 2005 FFIEC Guidance has been updated. The FFIEC has added Supplemental Guidance and you are required to be following this in January 2012. There have been significant changes and this webinar will help you understand what those changes are, and what you need to do to comply and protect both your customers and your bank.
• Developing Written Procedures for Handling Third Party Claims for Customer Funds and Information
  All banks handle third party claims for customer information and funds. In hard times, the increased number of claims on funds represents a growing line of business. Unfortunately, that line of business both unprofitable and risk intensive. Nevertheless, many banks have not reduced their processes to writing and take substantial risks when their processes vary on a case by case basis. This webinar will help attendees to develop an identifiable process. It builds on the idea of establishing a legal process log for tracking all of these claims. It incorporates "step-action" tables that show how both financial and informational claims would work their way through the institution. The mechanism illustrated is intended to establish both a paper trail and timelines for how any claim was handled.
• Teller Compliance Issues: UCC 3 & 4, Reg CC and BSA
  How many issues can a teller have working on the frontline? Money can be lost because of bad checks, BSA violations can occur, Reg CC holds can placed or not placed in error, and there are countless others. Many of these problems will be discussed in this two hour webinar designed to make your tellers work effectively for the bank and the customer, plus you can meet BSA and Reg CC training needs. Working smarter means losing less money on checks and less time over regulatory issues. Read more of this webinar that will increase the efficiency of your frontline staff.
   
• Freebies, Bonuses, Contests - Marketing in the Post-Reg Q Era
  Has Regulation Q really gone, or there lingering concerns? Are all the limits on promotional premiums really gone for demand deposits? Can your marketing department promote your new business checking account with a cash incentive? Will paying a reward when a customer uses your bill payment service run afoul of any regulations? Is it OK for all your employees to "tweet" about bank products with potential customers? Spend two hours with Andy and John as they provide the answers to these questions and many more.
• CRA – New Opportunities to Improve Your Rating
  
  • In the last couple of years, regulators have added some additional opportunities for financial institutions to receive "credit" toward their CRA evaluations. This webinar will provide you with the information you need to help determine whether your institution can or should pursue any of these opportunities to help out your CRA rating.
• The Mortgage Life Cycle
  Let's face it. Residential mortgage lending is a complicated business. There are just so many laws and regulations lenders have to comply with! David Dickinson and Jerod Moyer's three-part Mortgage Loan Lifecycle webinar series helps connect each of those requirements with the many stages though which the mortgage loan moves, from application to closing and beyond.
   
• How to Audit Advertising – Compliance Issues Everywhere!
  Marketing is a creative process. That means your bank's advertising is constantly changing, being updated and replaced. And that, of course, means that auditors and compliance officers are continually checking to ensure that creativity doesn't step outside the limits of compliance and that unauthorized, "rogue" ads don't get banks into regulatory or legal trouble. Pat Cashman's webinar will provide you the information and tools you need to keep your institution's advertising from causing exam citations and other problems.
   

• Annual Lending Compliance Recap
    The Dodd-Frank Act is changing the world of compliance and while the CFPB hasn't implemented all these changes yet, there are changes and you can't miss any of them.  This program is a fast-paced review of the highlights of all the developments in lending compliance in the past twelve months so you can be sure you've caught them all. Review what was to be done and how you have implemented these and do it before the CFPB starts a new round of massive changes.
• Common Mistakes in UCC Filing
  This two-hour seminar focuses on common errors in preparing and filing UCC documents and the steps necessary to eliminate the errors.
• ACH: Performing Both a Self-Test and Compliance Audit
  As a NACHA participating member you have to complete a self-audit annually, before December 1st. This isn't a new requirement, but many bankers are asking for guidance, where do you start,  how do you find resources, how do you identify risks and how do you get the most out of an audit. 
• Auditing Escrows
   Change is moving at a fast pace and there is a lot to keep up with. That includes escrow accounts. We've heard of some lenders who said they would stop offering certain products because the escrow rules were too much of a burden. We think that is a drastic step. In this webinar you'll learn what the escrow requirements are and how to deal with them. From an auditor's perspective you'll learn what is required and when. This knowledge can be used in establishing these accounts as well, so lenders, loan administrators and auditors will all benefit from listening. We'll provide you with checklists and tools needed to ensure compliance.
   
• Escrow Rules Review and Update
  The escrow rules have changed and they’re about to change again! Significant new escrow requirements were added to Regulation Z in April 2010 and updated in April 2011. More changes have already been proposed to implement requirements imposed by the Dodd-Frank Act. It’s time to make sure you’ve got it all under control so that your institution can avoid significant penalties for non-compliance.  
• A - Z of Web Site Auditing
  Manage your website's compliance with confidence. Know that change management has been incorporated into your culture, and that your site provides a reliable and safe place for customers to get information on your institution and lead them to online transactions, with the satisfaction that you are doing "it" right. Yes, even the simplest of web pages can violate the law and page counters can tell your regulator how many times this violation has been seen. Just because you saw it on a big bank's site doesn't mean it is OK for you to do. You must understand the risks and the rules. 
• Analyzing HMDA Data
  This two-hour program provides the tools needed to analyze HMDA data, including the 2008 data that will be made available to the public in September 2009 and the tools to analyze data that is being collected during 2009 and will be available during 2010.
• Auditing Deposit Products
  You must know that your compliance program for deposit products is up to par and specifically that you test for compliance. You have to know that you complete a statistically sound sampling, encompass everything which needs to be reviewed on a risk management basis and that tweaks are made to processes and procedures to avoid problems.
• Board Reports Who, What, When, Where and How
  Providing meaningful policies and reports is the focus of this webinar. While there is no "one size fits all" solution, we will discuss in detail the reports and policies that are required and how often these issues should be discussed. Ensuring the content of policies and reports is complete will also be discussed as well as several avenues for delivery. This presentation will not discuss the content of each board report, but the content in general terms. We will a focus on security, compliance and Community Reinvestment Act reporting as examples. 
• Business Continuity Planning: It's All About Risks & Resources
  Join nationally recognized speaker Dana Turner for an in-depth review of a logical and strategic model designed to help you understand the true scope of a disaster and business recovery planning process. Learn not only what to do when there is a situation, but how to avoid or lessen it in the first place.
• Compliance Management Part I for Compliance Officers
  Managing compliance is separate from the act of doing compliance. Here is a two part webinar divided to make one or both parts available to you if you want to improve your compliance program. In part one, David Dickinson will focus on the compliance officers role. 
• Compliance Management Part II for Senior Management, Board of Directors and Compliance Officers
  Managing compliance is separate from the act of doing compliance. Here is a two part webinar divided to make one or both parts available to you if you want to improve your compliance program. 
• Compliance Management Puzzle - Putting It All Together
  This session is designed for new compliance officers who need a jump start and experienced compliance officers who want to refresh their compliance programs.
• Compliance Research
  This webinar will discuss how to quickly and effectively complete your research. When your management wants an answer, you need to know where to look and how to look. Mistakes are costly. Understanding compliance research techniques and resources available to you will save you time. And because time is money, this will promote savings and your confidence. We are confident the lessons learned and tips you hear will save you more than the two hours you spend on this webinar. And that puts you far ahead of where you were. 
• Freebies, Bonuses & Contests
  As the pressure to attract new customers gets intense, bankers are often tempted to try sales gimmicks to capture market share. Often there is confusion about what legal and regulatory limits are put on these sales efforts.
• Creating a Value added Audit Department
    This webinar will introduce you to the processes that could enhance the audit department's reputation and value to the bank, while making the auditor's job more rewarding.
• e-Disclosures, ESIGN, UETA and Regulatory Changes
    Requirements in Regs. E and Z have recently been modified. These will be discussed in detail. This presentation offers all the information you need in order to plan for low risk e-delivery or to review e-delivery systems already in place.
• Ethics and Conflicts of Interest
  From the frontline all the way to the top we can help restore confidence in our banking system by demonstrating that we are conducting our financial institutions in an ethical and prudent manner. This webinar will cover conflicts of interest, personal conduct and confidentiality. 
• Handling Complaints and Inquiries
  With a banker and a regulator as your presenters, you will get two perspectives on these issues. Learn why the complaints and inquiries you receive at the new accounts desk, the loan desk and the call center are the barometer for customer satisfaction with your institution. 
• Managing Compliance Risks in Mergers & Acquisitions
  This webinar will outfit you to successfully manage all of the key compliance risks in a merger or acquisition. 
• Nailing Gelatin to a Wall – Monitoring E-banking Activity for Fraud & AML Activity
  This session will assist you in: Identifying various e-banking products that can, and probably do, flow through your financial institution. Utilizing your CIP and "Know Your Customer" procedures. Detecting unusual e-banking activity (AML & Red Flag). Developing policies & procedures to assist in reducing the risks associated with e-banking. Creating internal controls and a risk-based audit program 
• Same Tune, Different Lyrics — Compliance Management Risk Assessment
  This session is designed to assist you in development of a customized risk assessment for use in your financial institution's compliance program. We will cover the steps of Identification, Control, Measurement, Prioritization and Monitoring. 
• Vendor Due Diligence
   In this webinar we'll review practical cases, planning expectations, selection of a vendor, monitoring your program and the need for documentation. 
• Vendor Management & Oversight -- Developing & Implementing a Comprehensive Program
  While regulations such as GLBA, ID Theft Red Flags and HIPAA call for overseeing outsourced relationships, the FFIEC agencies have issued specific guidance on how you are expected to be managing those relationships, starting with developing a vendor management program. We are also seeing changes in state data protection laws that are requiring vendor oversight.
• OFAC in 2011- Handling the Hits!
  Managing your bank's OFAC compliance program can't be a "write it once and forget it" event. It has to be kept current and responsive to the ever-changing developments in the OFAC compliance environment. There are new sanctions programs, updated licenses and hundreds of updates to the overall SDN listing. The changing realities of political and international influences on OFAC policy require that you keep your program adaptive and effective. Tim White's presentation will give you the latest information and show you how to help keep your institution out of trouble with OFAC and examiners alike.
   
• E-SIGN - Cases of Interest and Doing it Right
  Many banks have recently started using E-SIGN or are considering it. But understanding the implications is important. You can't just follow the steps required for your consumer and assume you have met your obligation. If the customer defaults and you want to sue them, what will you take to court? What will the court accept? What constitutes proof of the obligation? We'll explore these questions so you can defend your loan, your deposit account or your disclosures, in court. We will look at legal cases of interest you can learn from after reviewing the basics of E-SIGN.
   
• Overdrafts - Everything You Need to Know (for Now)
  What's the latest on overdrafts and overdraft fees? Have FDIC examiners begun citing banks for not complying with the November 2010 Final Overdraft Payment Supervisory Guidance? Have other regulators weighed in with guidance? Has the Consumer Financial Protection Bureau offered anything official or unofficial on the topic? Where do UDAP and UDAAP fit into the puzzle? Get an up-to-the-minute perspective on this controversial topic in John's informative two-hour discussion of Overdrafts-Everything You Need to Know (for Now).
   
• SAFE Act Implementation Issues: A Practical Guide
  A "How To" session to help institutions and loan originators prepare for implementation. This webinar will help you formulate a workable process to ensure that all will be ready when the Registry is activated in early 2011.
• RDC Risk Management and FFIEC Compliance: It is harder than you think!
  The FFIEC has impacted check image processing by expanding the definition of Remote Deposit Capture to include any form of deposit document imaging. Institutions must now include all technologies in their compliance program that scan and digitize deposit documents as part of their FFIEC Risk Management of Remote Deposit. It is more than commercial customers!
   
• Dodd-Frank: What Will the Financial Impact Be to Your Bank?
  This CD ROM will be available after April 15, 2011.
  You already know that the Dodd-Frank Act includes huge changes that will affect every bank's operations, lending, compliance and other units. But have you identified and put a dollar figure on the changes that will adversely hit your bank's bottom line? The "Transfer Date" looms large, only a few months away, and many of the Dodd-Frank provisions will start to "kick in." Have you made the right allowances for those changes in your 2011 (and beyond) budget? This two-hour webinar can help you avoid surprises by digging into Dodd-Frank to unearth its hidden budget challenges.
• Big Changes in Loan Originator Compensation - What Now?
  Yield spread premiums and double-dipping compensation for consumer dwelling-secured loans are about to become things of the past. By April 1, lenders have to comply with the new restrictions on loan originator and mortgage broker compensation in Regulation Z. This webinar will explain what the new limits are, who is affected, and how lenders can structure compensation programs for dwelling-secured loans without violating the rules.
• How to Audit MSBs for Enhanced Due Diligence - What's Going On Here?
  Bank auditors want to make sure that enhanced due diligence programs for MSBs have kept current with regulatory change and with any changes in MSB activities. Join Pat Cashman for her information-packed presentation to understand the implications of FinCEN's new rules on prepaid access and what MSB activities your bank's EDD program should be scrutinizing.
• IT Regulatory Issues - What's on the Radar for 2011 Examinations
  What do you know about the opportunities and risks for your bank from social networking, cloud computing and unified communications? You can be sure that regulators are giving each of these areas increased attention as risks become better understood and examiners gain experience with banks deploying newer technologies. Help keep your bank informed on what to expect from regulators by attending this important presentation by Susan Orr.
   
• Two-Faced-Book Facebook Policy Can Serve You Well
  Recent court cases pertaining to social media, such as Facebook, have held employers liable for what was done on Facebook, as well as what wasn't. How are you supposed to embrace this technology everyone seems to say you need to be on, safely? Well, safely may be subjective but we'll give you the information you need to manage your risk in social media.
   
• Regulation CC-The Fed's Proposed Makeover
  You've asked when the Fed would implement the Dodd-Frank Act's $200 next-day rule in Regulation CC, and whether the references to "nonlocal" checks would be removed from the rule anytime soon. Many banks have struggled with making their disclosure documents current. The Fed has proposed amendments to take care of all those concerns, and much more. The Fed's proposal would also add inducements to convince banks that haven't yet done so to accept electronic return items, and shorten exception holds on deposited checks. This webinar will cover all the significant proposed changes, and inform you about matters on which the Fed has specifically asked for comment.
• 2011 Fair Lending Review and Update
  There are lots of lending compliance challenges today, but you can't afford to push Fair Lending to the bottom of your compliance list. New exam procedures, increased focus by the Department of Justice, changes mandated by the Dodd-Frank Act and concerns about Fair Lending in workouts and foreclosures all add up to keep Fair Lending at the center of regulatory scrutiny. This information-packed two-hour webinar will convince you of the ongoing importance of Fair Lending compliance to your institution, and give you the information you need to help avoid violations and DOJ referrals.
• Compliance Management Puzzle – Putting It All Together
  Making sure your compliance program has the right "fit" for your institution's size and complexity can be a puzzling challenge. To make sure your compliance puzzle has the right basic pieces, attend Pat Cashman's Compliance Management webinar.
• New Appraisal Requirements from the 3-Headed Monster: New Interagency Guidelines, New Reg. Z Rules, and Dodd-Frank
  The real estate appraisal process has been under attack from all sides. The Interagency Guidelines have been updated, Regulation Z has been amended, and there is more change to come from the Dodd-Frank Act. Wrapping your arms around all of these changes is a huge compliance challenge, but one you can manage better with the help of Carl Pry’s comprehensive presentation on all of the new appraisal requirements.
• A - Z of Reg E
  While you have been working on lending and other Dodd-Frank issues, Reg E changed. Between opt-in rules impacting when you can charge an NSF fee to new gift card rules, you have to keep up. And Reg E was confusing enough to start with.
  
  If 67 million Americans have used a debit card for a purchase of less than $5 in the last month, you may well have a claim pending for an insignificant sum. Do you have to investigate claims? Is there a cost effective way to handle small claims? Can you lose money handling small claims the same way you handle large ones? Is there more to Reg. E than claims? Yes, yes, yes. We'll answer these questions in detail and dispel many of the urban myths that prevail in the world of Reg. E. Do I have to investigate a claim made more than 60 days after the debit or statement? Can I deny the claim because they refuse to file a police report? Am I compliant if I require a written claim, because my processor requires it? Tune in if these issues are not clear to you.
  
   
• Regulation Z - Revised Examination Procedures
  Whether you were in school decades or months ago, you know it was always helpful to know what information quizzes and exams would cover. That doesn't change when you're looking at regulators' compliance exams of banks-- you feel better prepared when you understand what the exam will be like. Join Mary Beth Guard and Jack Kolzknecht for their BOL Learning Connect webinar covering the January 2011 updated Regulation Z examination procedures, and get the information you need to ensure that your bank is as well-prepared as it can be for its next Truth in Lending compliance examination.
   
• The SAFE Act - Exactly How Does the Registration Process Work?
  The registration of your institution and Mortgage Loan Originators under the requirements of the SAFE Act regulations has to be completed by July 29. If you haven't started the registration process, or if you've run into roadblocks, Carl Pry's webinar on SAFE Act registration will provide a roadmap you can use to find your way through the multi-step journey.
   
• How to Audit for S.A.F.E. Act Compliance
  Agency regulations for SAFE Act compliance all require annual independent testing for compliance by either bank personnel or third parties. The regulations were effective on October 1, 2010, and the initial registration period will end on July 29, 2011. You should be planning now for annual audits to ensure that your institution is in compliance. Patricia Cashman's two-hour webinar will provide you with the information you need to form your SAFE Act compliance audit plans.
• Fair Credit Reporting Act: Revised Examination Procedures
  The last of the major FACT Act changes to the Fair Credit Reporting Act have been finalized and the updated exam procedures have been finalized. Find out what the changes are and how the agencies' exam procedures can help you craft an effective audit program.
• The Consumer Financial Protection Bureau (CFPB) is About to Take Control:
  With July 21 fast approaching, bankers across the country are still wondering what to expect as the CFPB or Bureau assumes control of consumer protection regulations. No one truly expects an immediate avalanche of new regulations, but what can the industry expect? What new rules will be effective on July 21, and which are most likely to come soon afterward? In short, what are bankers in for under the new regulatory regime? The clouds are beginning to clear in the crystal ball, and Carl Pry’s informative webinar will help you begin to make sense of the uncertainties looming there.
• RESPA Update
  If you think that RESPA compliance is a moving target, you’re right. HUD continues to issue interpretations of its regulation via an evolving FAQ (through April 2010) and issues of “RESPA Roundup.” Examiners, like lenders, are still making adjustments.  Through his many contacts, David Dickinson has kept current with the latest changes to the RESPA compliance landscape. In his two-hour BOL Learning Connect RESPA Update webinar, David will walk you through the Good Faith Estimate and Settlement Statement to provide the information you need to ensure your RESPA compliance procedures are up-to-date.
• All about Escrows
  Escrow requirements have always been complicated, and they’ve gotten more complex now that Regulation Z is requiring escrows of tax and insurance for higher priced mortgage loans. Things will change again as new Dodd-Frank Act rules are finalized in the coming months. Join David Dickinson for his Escrows webinar and you’ll learn the right way to handle residential mortgage loan escrows, from Settlement Statement entries to initial escrow disclosures to pay-off statements, and everything in between.
• Common Compliance Violations
  With all that is changing in the world of banking regulation, you need every edge you can get. One way to help prioritize your compliance efforts is to know the types of violations that regulators are regularly citing at other institutions, and what's likely to cause problems in the new rules being issued. Mary Beth Guard and Carl Pry will help you learn from others' mistakes in this information-packed two-hour webinar.
   
• Customer Authentication: The Bar has been Raised
  Corporate account takeovers have been in the news lately, and courts have come down on both sides -- the customer's and the bank's -- when banks' security efforts on their customers' behalf have been called into question. The FFIEC just raised the bar on regulatory expectations regarding customer authentication, and banks need to start pondering their next move to tighten security over the online systems that they and their customers use. Find out what the FFIEC now expects banks to do in their battle to protect customer and bank assets as Jeff Patterson and Susan Orr offer their two-hour presentation, "Customer Authentication: A Higher Standard."
• Auditing Reg Z for Consumer Residential Real Estate
  Way back in 1980 Congress simplified the Truth in Lending Act. From that moment, however, more and more layers of rules have been added, so that now it’s more complex than ever, and the pace of change only increased in the last two years. Your TILA audits have to keep pace. Find out about the new disclosure timing rules, escrow requirements, loan categories, fee restrictions and much more that you need to incorporate into your audit plans, in this information-packed webinar by Pat Cashman.
• Risk - Building a Foundation of Management
  Risk management is an often overused term for a task that you may have been put in charge of with no training whatsoever. But you don't know what you don't know. If you want to ensure that you have built a solid foundation for your risk management program, this webinar is for you. You will learn what is involved in recognizing and controlling risk so that what you are left with is both manageable and acceptable.
• Consumer Residential Real Estate in the new Dodd-Frank World: Auditing for RESPA and Reg Z
  If you're struggling trying to update your residential mortgage loan audit workpapers for the recent changes to RESPA and Regulation Z, Pat Cashman has answers for you. Attendees at this informative 2-hour webinar will receive sample workpapers to get you started on the right foot.
   
• It's probably time to revise your loan policies and procedures
  How effective are your bank's written loan policies? Do they reflect the bank's actual policies and procedures, or has time made them outdated? Inadequate or outdated loan policies are invitations to error, unnecessary risks and losses, and regulatory criticism. Attend Adam LaBoda's presentation on Effective Loan Policies to get the information you need to help get your bank's policies current and make them work to the bank's benefit.
• FFIEC Supplement to Authentication Guidance
  The 2001 and 2005 FFIEC Guidance has been updated. The FFIEC has added Supplemental Guidance and you are required to be following this in January 2012. There have been significant changes and this webinar will help you understand what those changes are, and what you need to do to comply and protect both your customers and your bank.
• Auditing RESPA
  RESPA rules have changed.
  
  Remember claiming that the "E" in GFE stood for estimate and there was no tolerance between the GFE and the final Settlement Statement?
  
  Well, there is a level of tolerance now. It is a key item that needs to be checked and audited. The tolerance levels for different fields, in addition to so much more will be reviewed in this webinar.
   
• Annual Operations Compliance Recap
    The Dodd-Frank Act isn't just about lending reforms. There is plenty of potential in its hundreds of pages for changes that affect bank operations, too. The fledgling Bureau of Consumer Financial Protection will soon begin weighing in with consumer-oriented rules that will have an impact on your operations as well. But before dealing with what is on the compliance horizon, you need to ensure you've taken care of what's happened in the past year. We'll recap all the major developments so you can put them on your list of completed tasks or add them to your "catch up" list for immediate attention.
• SAFE Act – Review of the First Year
  The SAFE Act regulations are a little over a year old, the initial registration period is behind us, and the first annual registration renewal period is drawing to a close. Examiners have begun to review banks' compliance with the regulation and a pattern of frequent violations is beginning to appear. You can help your bank avoid exam citations for common violations and ensure that it correctly manages its ongoing compliance responsibilities under the SAFE Act with information from this valuable two-hour presentation. 
• 10 Compliance Hotspots for Opening Deposit Accounts
  Opening deposit accounts correctly means much more than running through a checklist to ensure you've handed out the right disclosure documents. How well your bank manages the account-opening process can greatly affect not only your compliance with regulations, but also your bank's exposure to fraud and avoidable lawsuits. Get the information you need to ensure your bank has the right policies and procedures for new accounts in this information-packed two-hour webinar from Deborah Crawford.
• How to Conduct a Fair Lending Risk Assessment
    If your financial institution has not completed a fair lending risk assessment as a foundation for a well-crafted compliance management system, it risks regulatory enforcement action and Justice Department referrals that can lead to punishing consequences. Get the information you need to help your institution gets its fair lending risk assessment completed so that it can identify and implement needed risk controls.
• HMDA – Beyond the Input
  So much work, and what benefit do you get from it? Compiling, editing and filing your institution's HMDA LAR can seem like a thankless task if all you get is a check mark on a list of deadlines. Shouldn't all that information be worth something to the institution? If you attend this information-packed webinar by Pat Cashman, you'll learn ways your institution use your HMDA data to avoid fair lending problems, ferret out potential new business and better understand your competition's mortgage lending activity. And that's just for starters!
   

Credit Cards

• Clarifying the Credit CARD Act Rules - Reg Z Changes Again October 1
  If you thought you had all of the Regulation Z changes brought about by the Credit CARD Act of 2009 under control, think again. The Fed has issued yet another set of changes affecting applications, disclosures, advertising and more that will affect all issuers of credit cards by October 1, 2011. To be sure you understand all of these changes and get them implemented on time, join Jack Holzknecht and John Burnett in their detailed analysis of the changes and what they mean to credit card issuers.

• Auditing Deposit Products
  You must know that your compliance program for deposit products is up to par and specifically that you test for compliance. You have to know that you complete a statistically sound sampling, encompass everything which needs to be reviewed on a risk management basis and that tweaks are made to processes and procedures to avoid problems.
• ACH—Managing the Risk
  This session will assist you in performing an ACH Risk Assessment, classifying compliance, transaction & credit risks, and recognizing high-risk activities.
• Making Sense of the ACH Rules
  This webinar gives you the information you need to understand the rules that apply to ACH entries.
• ACH: Performing Both a Self-Test and Compliance Audit
  As a NACHA participating member you have to complete a self-audit annually, before December 1st. This isn't a new requirement, but many bankers are asking for guidance, where do you start,  how do you find resources, how do you identify risks and how do you get the most out of an audit. 
• A - Z of Reg E
  While you have been working on lending and other Dodd-Frank issues, Reg E changed. Between opt-in rules impacting when you can charge an NSF fee to new gift card rules, you have to keep up. And Reg E was confusing enough to start with.
  
  If 67 million Americans have used a debit card for a purchase of less than $5 in the last month, you may well have a claim pending for an insignificant sum. Do you have to investigate claims? Is there a cost effective way to handle small claims? Can you lose money handling small claims the same way you handle large ones? Is there more to Reg. E than claims? Yes, yes, yes. We'll answer these questions in detail and dispel many of the urban myths that prevail in the world of Reg. E. Do I have to investigate a claim made more than 60 days after the debit or statement? Can I deny the claim because they refuse to file a police report? Am I compliant if I require a written claim, because my processor requires it? Tune in if these issues are not clear to you.
  
   
• Advanced Error Resolution and Chargebacks (Visa and MasterCard)
  This webinar concentrates on the final stages of the chargeback process including arbitration and compliance and incorporates the requirements of Reg. E. Specific examples of conflicts between Reg. E and chargeback rights will be discussed in addition to examining how to use the Visa and MasterCard requirements for late stage chargeback cases to better leverage fund recovery from the merchant and acquirer. 
• Advertising Compliance, Avoiding the Pitfalls
  How you advertise your products can affect your bank's compliance rating. If you do it wrong, you can face fines and penalties and even lawsuits. So it makes sense to ensure that your advertising complies with applicable laws and regulations. Get the information you need to stay on the right side of advertising compliance, along with some excellent examples of ads that spell "Trouble with a Capital T" in this informative two-hour presentation.
   
• Annual Operations Compliance Recap
    The Dodd-Frank Act isn't just about lending reforms. There is plenty of potential in its hundreds of pages for changes that affect bank operations, too. The fledgling Bureau of Consumer Financial Protection will soon begin weighing in with consumer-oriented rules that will have an impact on your operations as well. But before dealing with what is on the compliance horizon, you need to ensure you've taken care of what's happened in the past year. We'll recap all the major developments so you can put them on your list of completed tasks or add them to your "catch up" list for immediate attention.
• Auditing for the "Orphan" Compliance Regulations
  Whether you are a compliance auditor or compliance officer, this session will assist in you identifying those "orphan" laws and regulations that can harbor serious risks.
• Auditing: BSA/AML/CIP
  Whether you are an internal auditor or an outsource vendor, this program will help you to identify deviations from laws, regulations and the institution's policies, document your procedures, and report the findings to management.
• Avoiding Check Losses - Frontline
  The program is presented in plain language by a trainer who will not bury your personnel in mumbo jumbo and supported by materials that serve as an excellent reference at the teller window and at the new accounts desk. It is one of the few training programs that can pay for itself the next day by avoiding a loss on a bad check. 
• Avoiding Losses on Treasury Checks
  This training provides a comprehensive look at what every financial institution should know about these special checks.
• Bank Operations -- Going Paperless
  This webinar, presented by Paul Carrubba and Dan Fisher, will explain the risks to be addressed in customer and vendor contracts, along with the items that will likely be subject to regulatory scrutiny. You'll also get information you will need to create the appropriate strategy for your institution to use in making its journey toward paperless payment processing successful and rewarding. Paul and Dan will suggest ways to review available technology that can fit into either a branch or remote capture environment, determine the optimal route (image or ACH) for transactions, and address automation of the payments process. 
• Beginner Reg E Error Resolution and Chargebacks (Visa and MasterCard)
  This webinar will build on the basic knowledge you have of Regulation E and Visa and MasterCard chargeback rights and integrate them. It will show you which chargeback reason codes apply to Billing Error claims and will show you how you can transfer as much debt as possible to the merchant by solidifying the initial chargeback.
• Bogus Cashier's Checks: Protecting Your Bank and Customers
  Join BOL Guru John Burnett in this two-hour presentation designed to help you recognize the signs of cashier's check fraud, and understand what you can do to prevent it. 
• BSA/AML 101: Back to Basics
  There is certainly no shortage of information on the subject! In fact, there seems to be so much that you are swimming in what seems to be an ocean of forms, procedures, policies, guidelines and acronyms - CTR, SAR, MIL, MSB, USA PATRIOT, C&D. Even the most seasoned BSA/AML officer can feel overwhelmed. This session is designed for new BSA/AML or compliance officers and auditors employed by banks, thrifts and credit unions, or those professionals who want a refresher on the basics.
• BSA/AML Compliance - Recent Developments & Common Errors
  This CD ROM will be available after February 9, 2012.
  
  Are you looking for an efficient, focused update & reminder on BSA Compliance? You've found it!
  
  WHAT?
  Ongoing Bank Secrecy Act (BSA) training is a legal requirement. For the experienced BSA Officer or Auditor, that training needs to focus on
  • recent developments and
  • reminders regarding key issues. This two hour session was designed for that group.
• BSA/AML Compliance for Directors
  This presentation emphasizes BSA/AML basics. It addresses about what board members are expected to do and why they are expected to do it. The training should be supplemented by a review of your institution's procedures and processes for assuring compliance. 
• BSA/AML Compliance for Lenders
  This program is designed specifically to meet the training needs of loan and loan administration personnel regarding Bank Secrecy Act (BSA) and anti-money laundering compliance.
• BSA/AML/OFAC Policies: What should they include? How should we say it?
  This webinar is about how to organize and write policies on three critical compliance issues: Bank Secrecy Act, Anti-Money-Laundering and Office of Foreign Assets Control.
• Check Fraud Detection and Prevention
  In the first part of this session, you will learn the basic steps in check fraud detection - the most common methods used to commit check fraud, the standard and "hidden" parts of a check, the different types of endorsements and their importance under the Uniform Commercial Code ("UCC"), visual and non-visual checks every bank employee should know when looking at a check, the steps to follow when accepting/cashing a check, and four simple steps to spot forged checks. In the second part of the session, we will discuss how customers confuse when a check is available (Regulation CC) and when a check has cleared and how bank employees fail to communicate this information correctly and we will offer concrete remedies to help solve this growing customer service issue,
• Check Handling for Tellers
  This Webinar will help arm your tellers with essential information about the Uniform Commercial Code and other provisions that affect checks. 
• CIP, Customer Due Diligence and Enhanced Due Diligence
  This session talks about the new accounts process, specifically how to layer questions and decision making to identify potential high risk customers at account opening. It shows how to create a tiered CIP and develop a dependable process involving due diligence and enhanced due diligence. 
• Common Mistakes in UCC Filing
  This two-hour seminar focuses on common errors in preparing and filing UCC documents and the steps necessary to eliminate the errors.
• Controlling Card Program Fraud Losses
  This program will help you to understand how losses occur, what tools are available protect the program and how to successfully apply the tools/programs. 
• Currency Transaction Report: Form Completion
  Join Ken Golliher in this fast-paced two-hour webinar designed to review the basics of CTR completion. You'll get a detailed manual that will be a valuable resource for long after the webinar is completed. 
• Customer Risk Assessment, Rating and Monitoring
  Learn how to organize and implement a system for identifying high risk customers in connection with on-site BSA examinations.
• 2009 FFIEC GUIDANCE: Remote Deposit Capture and Risk
  This guidance covers the consideration of a strategic plan in regard to the product offering and is clear about the role of a risk assessment as part of the process. Also covered are the policies and procedures as they pertain to your institution, customers, transactions, operations and training that are recommended for inclusion in the overall RDC offering. Fraud and suggested controls to identify the type of fraud, mitigate the exposure and respond to fraud event are also reviewed.
• Deposit Account Closings and Changes
  In this webinar, we cover account closings, name or address changes, adding signers and owners, adding/changing POD and Totten trust beneficiaries, removing signers and joint owners, deaths, guardianships and conservatorships, coming-of-age and UTMA accounts, and more. 
• Deposit Insurance: What Customers Should Know
  Join John Burnett for this important webinar on FDIC and NCUSIF coverage to find out what you should be telling customers now, as well as what to avoid. In this session, John will review the basics of FDIC and NCUSIF insurance, including the newest changes affecting that coverage and the Transaction Account Guarantee Program. 
• Deposit Insurance: What You Need to Know NOW - UPDATE
  Get the latest information in a thorough review of the FDIC's regulations and the insurance coverage laws as they stand NOW. Understanding deposit insurance coverage will require more than simply replacing "$100,000" with $250,000 every place in the rules. Get a full explanation of the current rules, with the temporary increase and more recent changes, and completely revised materials you can use to ensure that your frontline staff members have what they need to explain the intricacies of deposit coverage to present and future customers. 
• e-Disclosures, ESIGN, UETA and Regulatory Changes
    Requirements in Regs. E and Z have recently been modified. These will be discussed in detail. This presentation offers all the information you need in order to plan for low risk e-delivery or to review e-delivery systems already in place.
• Freebies, Bonuses & Contests
  As the pressure to attract new customers gets intense, bankers are often tempted to try sales gimmicks to capture market share. Often there is confusion about what legal and regulatory limits are put on these sales efforts.
• How Will Your Remote Deposit Capture Program Stand up to Examiner Scrutiny?
  Whether you have already rolled out a RDC program or are just in the process, this program is for you. Make sure you have the appropriate policies, procedures, and processes in place to meet examination expectations. Be ready for the questions that will be asked. 
• Introduction to HSAs: The Most Important Rules
  This seminar covers the most common and important HSA issues - the fundamentals. The seminar will focus on key HSA laws and regulations, but will also cover HSA best practices and a marketplace overview. The seminar is ideal for financial institutions or individuals just getting started with HSAs.
• HSA Enrollment Season: Understanding Group HSA Issues
   This two-hour webinar is devoted to giving you the knowledge you need to offer and support an HSA program for employer groups. The presentation will focus on the special issues impacting group plans. 
• HSA Fall Update: HSAs for Employer Groups
  This webinar will focus HSAs for employer groups. For many financial institutions, opening HSAs for groups is the key to a successful HSA program. The custodian gets more HSAs quickly and serves a business customer in a highly visible manner. Opening HSAs for groups; however, is not the same as just opening a bunch of individual HSAs at the same time. This seminar will cover the differences. 
• HSA Tax Reporting/Tax Filing
  This webinar is devoted to giving you the knowledge you need to support your HSA program with confidence in 2009. The webinar will cover the most important HSA questions your customers will ask you in 2009 with a focus on new and confusing issues. 
• Insider Tips - Bank Secrecy Act
  You have just finished your BSA/AML/CIP risk assessments, revised the policies, and rewritten the procedures for each. Not an easy feat, right? But, at the next area compliance meeting or on a BOL thread, you begin to hear horror stories about examiners ripping to pieces those very things at local financial institutions - those with supposedly strong programs. Doubt begins to set in as you wonder if you have done enough. 
• Insider Tips on Banking MSBs
  During this session, you will hear "Insider Tips" focused on managing the level of risk for each MSB customer.
• Issues with Deceased Customers
  In this program, we examine how a customer's death impacts deposit accounts, CDs and safe deposit boxes. 
• Keeping Bank Secrets: Things You Can Go to Jail for Telling
  All your personnel need to have a clear understanding of where the legal lines for confidentiality are drawn by the federal government and what the consequences are of crossing one of them. This webinar spells it all out for you. 
• Keeping Bank Secrets: Things You Can Go to Jail for Telling (Institution-Wide Edition)
  This training program is a one-hour excerpt from the webinar "Keeping Bank Secrets." The other half of the Keeping Bank Secrets webinar is geared toward the person responsible for ensuring secrecy compliance, rather than all institution employee
• Managing a Successful Branch
  This program will show you how to combat negativity and resistance to change in your branch, your team and yourself! Benefit from the experience of one who knows how to achieve goals through management of people and processes. 
• Nailing Gelatin to a Wall – Monitoring E-banking Activity for Fraud & AML Activity
  This session will assist you in: Identifying various e-banking products that can, and probably do, flow through your financial institution. Utilizing your CIP and "Know Your Customer" procedures. Detecting unusual e-banking activity (AML & Red Flag). Developing policies & procedures to assist in reducing the risks associated with e-banking. Creating internal controls and a risk-based audit program 
• Documenting Business Deposit Accounts: Establishing Existence and Authority
  This webinar provides simple explanations regarding sole proprietorships, partnerships, corporations, and limited liability companies. The program first focuses on how they are established, why the business owners might choose one form of business organization over another and what documents the bank might reasonably require to verify a business' existence.
• Overdrafts-Keeping Up with the Regulators
  This two-hour webinar provides the information your institution will need to comply with the new Regulation E requirements becoming effective July 1, 2010. 
• Opening Fiduciary Accounts: Documenting Existence and Authority
  Oftentimes, a fiduciary such as a guardian, a custodian, an attorney-in-fact, or a personal representative is required to open bank accounts and handle funds as a part of that fiduciary relationship. This program focuses on those occasions. 
• Preparing For Your Next On-site BSA/AML Examination
  You know your regulator will eventually be stopping by to evaluate your institution's BSA/AML compliance program.
  
  This webinar addresses such things as staying abreast of regulatory hot buttons, reviewing the results of the previous examination, responding to the pre examination questionnaire, the first on site meeting, identifying contact personnel, and a variety of other things you can do to prepare for the inevitable and make certain the evaluation you receive is accurate. 
  
   
• Recognizing Suspicious Activity
    This program that includes real examples will help your staff recognize activity that warrants further investigation, and furthermore, realize the importance of reporting suspect activity for follow up and SAR filing
• Reducing Debit Card and ATM Losses
  In this fast-paced two-hours, you'll hear BOL Gurus Andy Zavoina and John Burnett discuss Regulation E's error resolution and unauthorized transfer rules, with a view toward helping you and your transaction investigation staff work smarter and more efficiently, saving your institution money where it's possible. You'll discuss error claims cases and techniques for resolving them within the limits of the regulation, but preserving the institution's assets where possible. 
• Reg E Claims - Approvals and Denials
  In this information-packed webinar, you and your staff members will see Andy demonstrate a free program that can help your bank both investigate Reg E claims and manage/audit them for compliance. He'll discuss the four time periods available to you in the investigatory process and how to determine which applies to each claim (as well as which time period was actually followed). 
• Regulation CC - After Fed Consolidation
   This webinar will give you what you need to understand to stay in compliance with the complex rules of the regulation, or return to compliance now that check processing consolidation has been completed.
• Remote Deposit Capture - Check Images or ACH?
  This session will examine the legal issues surrounding the method selected for processing the item
• Remote Deposit Capture - New Frontiers
  In this program we will explore the world of remote deposit capture, some of the threats and risks to think about, controls to mitigate, and where remote deposit capture may just be headed. 
• Remote Deposit Capture - Preparing for an Exam
  Paul Carrubba and Dan Fisher will provide you with a blueprint on how to devise a successful exam and compliance strategy for remote deposit capture and your organization. 
• Remote Deposit Capture -- Beyond the FFIEC Guidance
  This webinar with Susan Orr will delve into what the guidance didn't tell you. We will get into the specifics of implementing your RDC program and what you should be doing to meet regulatory expectations and industry best practices. Susan will cover things you should have weighed or should be considering relating to management, mitigating risks, measuring and monitoring, and training. She'll show you some sample forms and tell you where you can find templates you can customize for your institution. 
• Return Items: The Depositary Bank's Perspective
  This training program explains when you (and your depositor) are liable for returned deposited items, and when you can legitimately push that liability back to the paying bank. 
• Return Items: The Paying Bank Perspective
  We will be focusing on paper checks (real and alleged) in this two-hour session. Electronic items will not be addressed. During the session, we will develop a "best practices" approach for handling customer claims on items you've charged to their accounts.
• SAR Case Studies
  This review is meant to assist the new and the experienced employee with the basics of SARs as well as the fine points that make them useful, and help protect you from criticism. 
• SAR Decision Making and Documentation
  Banks must have a demonstrable SAR filing and decision making process and this program focuses on how to build and document just such a process. 
• Stop Payments
   You cannot afford confusion among your staff about stop payment orders. Knowing which items can and cannot be stopped is critical. You also need to know whether a customer’s stop order is timely, or too late. Join John Burnett for his Stop Payment webinar, and get the answers. Learn whether the bank is “stuck” if a stopped ACH item is paid, whether to accept a stop payment on a cashier’s check, and much more
• Suspicious Activity Reporting: Form Completion
  This webinar focuses on how depositary institutions are to complete the Suspicious Activity Report (SAR), Form TD F 90-22.47.
• Updating Your AML Program - CIP, Customer Due Diligence and Enhanced Due Diligence
  Decisions to open new accounts, assign risk ratings, determine appropriate levels of monitoring, file suspicious activity reports and unilaterally close accounts are all based on information. Decisions are either based on facts the bank has or facts which it assumes. However, if the bank does not have an adequate amount of data, it makes crucial decisions based on pure guesswork. This webinar is about asking the right questions and using the information obtained correctly.
• Updating Your BSA/AML/OFAC Risk Assessment
  Nestled among many, many requests for documents in your next BSA/AML pre-examination questionnaire you will still find: "Make available copies of management's BSA/AML risk assessment of products, services, customers, and geographic locations."
  
  The "given" is that the risk assessment you provided in anticipation of your last examination will not work for this examination.
  
  One of the bad things about "risk" is that it continues to evolve. So, risk assessments must be continuously updated.
  
  This webinar is about looking at what you have done in the past and searching for ways to make improvements. Get your planning committee together to listen in - we're about to save you a lot of time and make you a lot more confident of your efforts.
  
   
• Vendor Due Diligence
   In this webinar we'll review practical cases, planning expectations, selection of a vendor, monitoring your program and the need for documentation. 
• UCC Magic - Checks and Deposits
  This CD ROM will be available after February 18, 2011. Mary Beth Guard and John Burnett lead you through the interconnected mass of  provisions within UCC Articles 3 and 4 so that you can understand the
  legal basis of your account relationship with depositors and how the law determines rights and responsibilities of each of the parties in the check payment process.
• RDC Risk Management and FFIEC Compliance: It is harder than you think!
  The FFIEC has impacted check image processing by expanding the definition of Remote Deposit Capture to include any form of deposit document imaging. Institutions must now include all technologies in their compliance program that scan and digitize deposit documents as part of their FFIEC Risk Management of Remote Deposit. It is more than commercial customers!
   
• Regulation CC-The Fed's Proposed Makeover
  You've asked when the Fed would implement the Dodd-Frank Act's $200 next-day rule in Regulation CC, and whether the references to "nonlocal" checks would be removed from the rule anytime soon. Many banks have struggled with making their disclosure documents current. The Fed has proposed amendments to take care of all those concerns, and much more. The Fed's proposal would also add inducements to convince banks that haven't yet done so to accept electronic return items, and shorten exception holds on deposited checks. This webinar will cover all the significant proposed changes, and inform you about matters on which the Fed has specifically asked for comment.
• New Requirements for Identifying Exempt Funds When Processing Garnishment
  This webinar explains interagency regulations that take effect May 1, 2011.  Those regulations mandate new procedures that financial institutions must follow when they receive a garnishment order.  They first require the financial institution to determine whether the account holder has received certain types of federal benefit payments by direct deposit during a specific “lookback” period.  If, yes, the financial institution is required to calculate a “protected amount.” That amount is not to be delivered to the claimant, nor is it to be frozen.  The account holder is to have uninterrupted access to the protected amount and the financial institution must send a notice to the customer explaining his rights.   This webinar assists attendees in both understanding the rule and how to establish compliant procedures for their institution.    State law is not addressed.
• Inherited IRAs and Death Distributions
  Handling the IRA of a decedent can be a complex task. Getting it wrong can mean IRS penalties for the Administrator, and extra taxes and penalties for the decedent's heirs. In this important program focusing on administration of decedents' IRAs, Debbie Crawford will step you through the process, starting with the IRA customer's death, to setting up files for spouse and nonspouse beneficiaries, transferring the IRA assets correctly, and completing proper IRS reporting, and much more.
• Understanding Signature Cards, Resolutions and Account Agreements
• Customer Authentication: The Bar has been Raised
  Corporate account takeovers have been in the news lately, and courts have come down on both sides -- the customer's and the bank's -- when banks' security efforts on their customers' behalf have been called into question. The FFIEC just raised the bar on regulatory expectations regarding customer authentication, and banks need to start pondering their next move to tighten security over the online systems that they and their customers use. Find out what the FFIEC now expects banks to do in their battle to protect customer and bank assets as Jeff Patterson and Susan Orr offer their two-hour presentation, "Customer Authentication: A Higher Standard."
• Overdraft Guidance & Best Practices
  Your institution probably pays overdrafts, at least occasionally. After more than a decade of concern about some overdraft payment practices, regulators have made several moves to regulate or guide institutions in their management of overdraft programs. Some banks have had to make significant changes as a result. To make sure your institution is up to date on regulatory rules and expectations, attend this information-packed webinar presented by David Dickinson and Jerod Moyer.
• Teller Compliance Issues: UCC 3 & 4, Reg CC and BSA
  How many issues can a teller have working on the frontline? Money can be lost because of bad checks, BSA violations can occur, Reg CC holds can placed or not placed in error, and there are countless others. Many of these problems will be discussed in this two hour webinar designed to make your tellers work effectively for the bank and the customer, plus you can meet BSA and Reg CC training needs. Working smarter means losing less money on checks and less time over regulatory issues. Read more of this webinar that will increase the efficiency of your frontline staff.
   
• VISA Debit Card Error Resolution: Do we always lose?
  As consumer friendly as Regulation E and VISA Zero Liability are, it often seems that the chips are stacked against the card issuer. As soon as the cardholder cries, "Fraud!" many institutions are already writing off a loss. In this comprehensive program, we will examine the chargeback process step by step to uncover what rights the institution has when faced with a cardholder's claim. From frontline staff who need to know what information to obtain from the cardholder when a dispute is filed, to the processing team who can protect the institution's rights by filing the correct chargeback code, this program will benefit all who are involved in the process.
• MasterCard Debit Card Error Resolution: Do we always lose?
  As consumer friendly as Regulation E and MasterCard Zero Liability are, it often seems the card issuer absorbs the loss in most cases. As soon as the cardholder cries, "Fraud!" many institutions are already writing off the dispute. In this comprehensive program, we will examine the chargeback process step by step to uncover what rights the institution has when faced with a cardholder's claim. This webinar will help frontline staff who need to know what information to obtain from the cardholder when a dispute is filed, as well as the processing team who can protect the institution's rights by filing the correct chargeback codes. Anyone involved in the process of handling MasterCard debit card error resolution claims can benefit.
• Opening Multi-tiered Business Accounts
  Opening accounts for entities like partnerships, LLCs and corporations can be complicated, especially when the owners of the entities are other business organizations or trusts. Digging through and understanding the documentation required to open these accounts can be daunting. This two-hour webinar will help you organize that effort, understand the layers of management and ownership you may be dealing with, and get the accounts established properly for your bank.
• IRAs -- The Basics
  Whether you've just been become the IRA Coordinator at your financial institution or have been handling IRAs for a while and want a refresher on the basics of this complex service, Patrice Konarik's webinar, "IRAs--The Basic Facts," will provide the information you can use to create a sound foundation for your institution's IRA program's.
• IRA Advanced - Complicated Issues
  If you have a good grasp of IRA basics but need information on recent developments and the more complex IRA questions involving transfers, rollovers, distributions, and IRS reporting, Patrice Konarik's webinar, "IRAs--Complicated Issues," is just what you've been looking for.
• Mobile Banking
  Whether your institution will be in the lead or follow the pack, it will implement mobile banking to remain competitive. The rapid growth in smart phone and tablet sales virtually ensures that your institution will "go mobile" sooner or later. How far should you go? Should there be a mobile banking app for your bank? Join Paul Carrubba and Dan Fisher to explore the future of mobile banking, the risks that you must be aware of, and the concerns of both customers and regulators regarding this rapidly emerging bank service delivery channel.
• How to Audit Your IRAs, HSAs and CESAs
  If you've been given the responsibility of managing your bank's IRA, HSA and/or Coverdell Education Savings Account program, you need to know the basics of managing and auditing the portfolio of client agreements and accounts, how to properly complete the related paperwork and reporting and how to correct errors that can and will occur. Get the information you need to get the job done in this information-packed two-hour webinar. 
• 10 Compliance Hotspots for Opening Deposit Accounts
  Opening deposit accounts correctly means much more than running through a checklist to ensure you've handed out the right disclosure documents. How well your bank manages the account-opening process can greatly affect not only your compliance with regulations, but also your bank's exposure to fraud and avoidable lawsuits. Get the information you need to ensure your bank has the right policies and procedures for new accounts in this information-packed two-hour webinar from Deborah Crawford.
• Powers of Attorney
    Are you intimidated by powers of attorney? These documents don’t have to keep you awake nights if you understand their special terminology, what they are used for, when they can (and can’t) be used, and what you need to do to both assist your customer and protect your bank. Join Mary Beth Guard and John Burnett in this important two-hour webinar, and you’ll feel much more confident the next time someone asks you to accept a power of attorney.

• A - Z of eTools - How to Work Smarter, Not Harder
  In this two hour webinar, we'll cover some of the tips and techniques Andy proved effective. As "the compliance department" for two banks with 89 branches and over 500 ATMs for 20 years he learned to work smarter, not harder. 
• eCompliance
  This webinar is designed for you if you want to know the differences and requirements you need to meet under the Uniform Electronic Transactions Act and the Electronic Signatures in Global and National Commerce Act (E-SIGN).
• e-Disclosures, ESIGN, UETA and Regulatory Changes
    Requirements in Regs. E and Z have recently been modified. These will be discussed in detail. This presentation offers all the information you need in order to plan for low risk e-delivery or to review e-delivery systems already in place.
• Nailing Gelatin to a Wall – Monitoring E-banking Activity for Fraud & AML Activity
  This session will assist you in: Identifying various e-banking products that can, and probably do, flow through your financial institution. Utilizing your CIP and "Know Your Customer" procedures. Detecting unusual e-banking activity (AML & Red Flag). Developing policies & procedures to assist in reducing the risks associated with e-banking. Creating internal controls and a risk-based audit program 
• Speedier Lending with e-Disclosures
  This webinar will follow the loan disclosure process from beginning to end and map out how E-SIGN can align with the workflow, giving you all the information you need in order to plan for low risk e-delivery or to review e-delivery systems already in place. 
• A - Z of Web Site Auditing
  Manage your website's compliance with confidence. Know that change management has been incorporated into your culture, and that your site provides a reliable and safe place for customers to get information on your institution and lead them to online transactions, with the satisfaction that you are doing "it" right. Yes, even the simplest of web pages can violate the law and page counters can tell your regulator how many times this violation has been seen. Just because you saw it on a big bank's site doesn't mean it is OK for you to do. You must understand the risks and the rules. 
• E-SIGN - Cases of Interest and Doing it Right
  Many banks have recently started using E-SIGN or are considering it. But understanding the implications is important. You can't just follow the steps required for your consumer and assume you have met your obligation. If the customer defaults and you want to sue them, what will you take to court? What will the court accept? What constitutes proof of the obligation? We'll explore these questions so you can defend your loan, your deposit account or your disclosures, in court. We will look at legal cases of interest you can learn from after reviewing the basics of E-SIGN.
   
• Internet Banking Contingencies
  Your internet banking website is a virtual branch. It brings with it all the rewards and risks of a brick and mortar branch, plus some. This webinar is your opportunity to review these risks and evaluate what you
  have addressed so that proactively you will be prepared to handle the risks that come with internet banking and offering the convenience of using your website.
   
• Dodd-Frank: What Will the Financial Impact Be to Your Bank?
  This CD ROM will be available after April 15, 2011.
  You already know that the Dodd-Frank Act includes huge changes that will affect every bank's operations, lending, compliance and other units. But have you identified and put a dollar figure on the changes that will adversely hit your bank's bottom line? The "Transfer Date" looms large, only a few months away, and many of the Dodd-Frank provisions will start to "kick in." Have you made the right allowances for those changes in your 2011 (and beyond) budget? This two-hour webinar can help you avoid surprises by digging into Dodd-Frank to unearth its hidden budget challenges.
• IT Regulatory Issues - What's on the Radar for 2011 Examinations
  What do you know about the opportunities and risks for your bank from social networking, cloud computing and unified communications? You can be sure that regulators are giving each of these areas increased attention as risks become better understood and examiners gain experience with banks deploying newer technologies. Help keep your bank informed on what to expect from regulators by attending this important presentation by Susan Orr.
   
• Two-Faced-Book Facebook Policy Can Serve You Well
  Recent court cases pertaining to social media, such as Facebook, have held employers liable for what was done on Facebook, as well as what wasn't. How are you supposed to embrace this technology everyone seems to say you need to be on, safely? Well, safely may be subjective but we'll give you the information you need to manage your risk in social media.
   
• A - Z of Reg E
  While you have been working on lending and other Dodd-Frank issues, Reg E changed. Between opt-in rules impacting when you can charge an NSF fee to new gift card rules, you have to keep up. And Reg E was confusing enough to start with.
  
  If 67 million Americans have used a debit card for a purchase of less than $5 in the last month, you may well have a claim pending for an insignificant sum. Do you have to investigate claims? Is there a cost effective way to handle small claims? Can you lose money handling small claims the same way you handle large ones? Is there more to Reg. E than claims? Yes, yes, yes. We'll answer these questions in detail and dispel many of the urban myths that prevail in the world of Reg. E. Do I have to investigate a claim made more than 60 days after the debit or statement? Can I deny the claim because they refuse to file a police report? Am I compliant if I require a written claim, because my processor requires it? Tune in if these issues are not clear to you.
  
   
• Mobile Banking
  Whether your institution will be in the lead or follow the pack, it will implement mobile banking to remain competitive. The rapid growth in smart phone and tablet sales virtually ensures that your institution will "go mobile" sooner or later. How far should you go? Should there be a mobile banking app for your bank? Join Paul Carrubba and Dan Fisher to explore the future of mobile banking, the risks that you must be aware of, and the concerns of both customers and regulators regarding this rapidly emerging bank service delivery channel.

• How to Conduct a Fair Lending Risk Assessment
    If your financial institution has not completed a fair lending risk assessment as a foundation for a well-crafted compliance management system, it risks regulatory enforcement action and Justice Department referrals that can lead to punishing consequences. Get the information you need to help your institution gets its fair lending risk assessment completed so that it can identify and implement needed risk controls.

• Accurate Credit Reporting and Handling Direct Disputes: New Proposed Rules
  In this one-hour special "quickie" webinar, Jack and Mary Beth provide an analysis of the proposal and what the new rules will mean to you. 
• Conducting the Required Identity Theft Risk Assessment
  On November 9, 2007 the bank regulatory agencies published final regulations that implement Section 114 (Red Flag Guidelines) of the Fair and Accurate Credit Transaction Act (FACT Act). Compliance with the new regulations is mandatory by November 1, 2008. This two-hour webinar provides step-by-step instructions on how to conduct and document the required identity theft risk assessment.
• ID Theft Red Flags and IT--Getting with the Program
  On November 9, 2007, the FFIEC agencies and the FTC issued the Final Rule on Identity Theft Red Flags and Address Discrepancies Under the Fair and Accurate Credit Transactions Act of 2003. Many discussions have revolved around this being a consumer compliance issue, but is it? While FACTA is primarily directed at consumer compliance, there are many aspects of the new Identity Theft Prevention Program that weave into the world of information technology. In fact, you may already have many aspects of the requirements in place or at least have the framework
• Identity Theft & Data Security
  This program is a great supplement to the ID Theft Red Flags and IT - Getting With the Program webinar, as we will delve deeper into some of the ways ID theft is being committed and the controls you should consider.
• Implementing the New Affiliate Marketing Rules
  This two-hour program provides the information needed to build a successful program. Participants receive a detailed manual that explains all of the new provisions. 
• Implementing the Red Flag Guidelines and Address Discrepancy Procedures
  This two-hour webinar provides step-by-step instructions on how to develop and implement the requirements of the new regulations. 
• Fair Credit Reporting Act: Revised Examination Procedures
  The last of the major FACT Act changes to the Fair Credit Reporting Act have been finalized and the updated exam procedures have been finalized. Find out what the changes are and how the agencies' exam procedures can help you craft an effective audit program.
• New Credit Score Disclosures: New Amendments to Regs B and V
  FCRA amendments requiring that information on credit scores be included in risk-based pricing notices and adverse-action notices will be effective July 21, 2011, and implementing amendments to the Fed's regulations B and V will be effective soon thereafter. Will the new requirements affect your bank's operations? What changes will you have to implement, and when? Get the information you need to comply with the updated rules in this BOL Learning Connect webinar.
• Dodd-Frank Act Status Check
  Are you struggling to keep the status of all the Dodd-Frank Act changes affecting lending straight? Jack Holzknecht will help you organize your compliance and change-management efforts with his "Dodd-Frank Act: Status Check" webinar. He'll cover the changes that have already been implemented, what's pending, and what is yet to come from this hugely-significant banking reform law.
   
• Annual Lending Compliance Recap
    The Dodd-Frank Act is changing the world of compliance and while the CFPB hasn't implemented all these changes yet, there are changes and you can't miss any of them.  This program is a fast-paced review of the highlights of all the developments in lending compliance in the past twelve months so you can be sure you've caught them all. Review what was to be done and how you have implemented these and do it before the CFPB starts a new round of massive changes.

• Flood Insurance Coverage Issues
  This two-hour seminar covers all of the rules regarding flood insurance coverage. To gain a better understanding of the ramifications of an incomplete understanding of this material, visit the following website.
• Flood Insurance Frequently Asked Questions
  The program provides a thorough review of the Flood Disaster Protection Act and the flood regulations. Participants receive a detailed manual that serves as a handbook long after the program is completed. 
• Flood Insurance Guidelines
  Join BOL Guru David Dickinson and Jerod Moyer from Banker's Compliance Consulting to learn about the NEW, Proposed Interagency Flood Insurance Questions and Answers and the newly revised Mandatory Flood Insurance Guidelines. 
• Flood Insurance: Requirements and Best Practices, Part 1
  Part 1 of a two-part series dedicated to providing an in-depth look at the flood insurance requirements for your financial institution. 
• Flood Insurance: Requirements and Best Practices, Part 2
  Part 2 of a two-part series dedicated to providing an in-depth look at the flood insurance requirements for your financial institution. 
• Flood Insurance Review and Update
  Flood insurance requirements are misunderstood, complicated, and enforced by each of the banking regulatory agencies. The rules are not new, but there are recent interpretations and Q&As that act as guidance. The civil money penalties most banks receive shouldn't happen. This is your chance to learn what the rules are, where they are, and to ask your pressing questions including those on the less common coop, construction and escrow issues.
   
• Understanding the Newly Rleased Flood Insurance Q&As (9/2009)
  The webinar thoroughly covered the finalized questions and answers as well as the five proposed questions. Suggestions on how to write a comment letter were also provided. The finalized Q & A became effective September 21, 2009. 
• Annual Lending Compliance Recap
    The Dodd-Frank Act is changing the world of compliance and while the CFPB hasn't implemented all these changes yet, there are changes and you can't miss any of them.  This program is a fast-paced review of the highlights of all the developments in lending compliance in the past twelve months so you can be sure you've caught them all. Review what was to be done and how you have implemented these and do it before the CFPB starts a new round of massive changes.
• The Mortgage Life Cycle
  Let's face it. Residential mortgage lending is a complicated business. There are just so many laws and regulations lenders have to comply with! David Dickinson and Jerod Moyer's three-part Mortgage Loan Lifecycle webinar series helps connect each of those requirements with the many stages though which the mortgage loan moves, from application to closing and beyond.
   

• Achieving Teller Excellence
  This highly motivating workshop continues to evolve as the premier teller workshop. Attended by tens of thousands of tellers across the country for over 20 years, the workshop enjoys exceptional reviews from participants. 
• Avoiding Check Losses - Frontline
  The program is presented in plain language by a trainer who will not bury your personnel in mumbo jumbo and supported by materials that serve as an excellent reference at the teller window and at the new accounts desk. It is one of the few training programs that can pay for itself the next day by avoiding a loss on a bad check. 
• Avoiding Losses on Treasury Checks
  This training provides a comprehensive look at what every financial institution should know about these special checks.
• Check Handling for Tellers
  This Webinar will help arm your tellers with essential information about the Uniform Commercial Code and other provisions that affect checks. 
• Deposit Account Closings and Changes
  In this webinar, we cover account closings, name or address changes, adding signers and owners, adding/changing POD and Totten trust beneficiaries, removing signers and joint owners, deaths, guardianships and conservatorships, coming-of-age and UTMA accounts, and more. 
• Deposit Insurance: What Customers Should Know
  Join John Burnett for this important webinar on FDIC and NCUSIF coverage to find out what you should be telling customers now, as well as what to avoid. In this session, John will review the basics of FDIC and NCUSIF insurance, including the newest changes affecting that coverage and the Transaction Account Guarantee Program. 
• Deposit Insurance: What You Need to Know NOW - UPDATE
  Get the latest information in a thorough review of the FDIC's regulations and the insurance coverage laws as they stand NOW. Understanding deposit insurance coverage will require more than simply replacing "$100,000" with $250,000 every place in the rules. Get a full explanation of the current rules, with the temporary increase and more recent changes, and completely revised materials you can use to ensure that your frontline staff members have what they need to explain the intricacies of deposit coverage to present and future customers. 
• Official Checks Issues
  This two-hour program focuses on the Regulation CC and UCC definitions and rules covering these checks and provides practical guidance on the many concerns bankers have about them. 
• Powers of Attorney
    Are you intimidated by powers of attorney? These documents don’t have to keep you awake nights if you understand their special terminology, what they are used for, when they can (and can’t) be used, and what you need to do to both assist your customer and protect your bank. Join Mary Beth Guard and John Burnett in this important two-hour webinar, and you’ll feel much more confident the next time someone asks you to accept a power of attorney.
• Risk Management: The Teller's Job
  Join Lucy Griffin in identifying the obvious and not so obvious risks for your teller positions, learn how to teach the teller what to watch for, how to classify them and how to manage them.
• Way to Go! Best Sales and Service Practice for the Frontline
  This webinar is designed for financial institutions that are serious about becoming a world-class sales and service organization. When the customer walks in, drives up, emails, or phones the organization starts racking up points for or against tightening up the relationship. 
• UCC Magic - Checks and Deposits
  This CD ROM will be available after February 18, 2011. Mary Beth Guard and John Burnett lead you through the interconnected mass of  provisions within UCC Articles 3 and 4 so that you can understand the
  legal basis of your account relationship with depositors and how the law determines rights and responsibilities of each of the parties in the check payment process.
• Keeping Bank Secrets: Things You Can Go to Jail for Telling
  There are certain documents within a bank that are considered to confidential that criminal prosecution can result from their disclosure. Suspicious Activity Reports are an obvious example, but federal grand jury subpoenas, 314(a) requests, some search warrants - are examples of others cloaked in secrecy backed up by the threat of jail time. This webinar covers what every financial institution employee and director must know about keeping bank secrets.
   
• 2011 Safe Deposit Compliance Update
  How current are your bank’s safe deposit vault procedures? Have they been reviewed and revised in light of recent regulatory or legal developments? Spend two hours with nationally-known industry expert Dave McGuinn in his 2011 Safe Deposit Update webinar, and you’ll have the information you need to ensure your procedures are current and protecting your band from avoidable losses.
• Inherited IRAs and Death Distributions
  Handling the IRA of a decedent can be a complex task. Getting it wrong can mean IRS penalties for the Administrator, and extra taxes and penalties for the decedent's heirs. In this important program focusing on administration of decedents' IRAs, Debbie Crawford will step you through the process, starting with the IRA customer's death, to setting up files for spouse and nonspouse beneficiaries, transferring the IRA assets correctly, and completing proper IRS reporting, and much more.
• Understanding Signature Cards, Resolutions and Account Agreements
• Overdraft Guidance & Best Practices
  Your institution probably pays overdrafts, at least occasionally. After more than a decade of concern about some overdraft payment practices, regulators have made several moves to regulate or guide institutions in their management of overdraft programs. Some banks have had to make significant changes as a result. To make sure your institution is up to date on regulatory rules and expectations, attend this information-packed webinar presented by David Dickinson and Jerod Moyer.
• Issues with Deceased Customers
  In this program, we examine how a customer's death impacts deposit accounts, CDs and safe deposit boxes. 
• Teller Compliance Issues: UCC 3 & 4, Reg CC and BSA
  How many issues can a teller have working on the frontline? Money can be lost because of bad checks, BSA violations can occur, Reg CC holds can placed or not placed in error, and there are countless others. Many of these problems will be discussed in this two hour webinar designed to make your tellers work effectively for the bank and the customer, plus you can meet BSA and Reg CC training needs. Working smarter means losing less money on checks and less time over regulatory issues. Read more of this webinar that will increase the efficiency of your frontline staff.
   
• VISA Debit Card Error Resolution: Do we always lose?
  As consumer friendly as Regulation E and VISA Zero Liability are, it often seems that the chips are stacked against the card issuer. As soon as the cardholder cries, "Fraud!" many institutions are already writing off a loss. In this comprehensive program, we will examine the chargeback process step by step to uncover what rights the institution has when faced with a cardholder's claim. From frontline staff who need to know what information to obtain from the cardholder when a dispute is filed, to the processing team who can protect the institution's rights by filing the correct chargeback code, this program will benefit all who are involved in the process.
• MasterCard Debit Card Error Resolution: Do we always lose?
  As consumer friendly as Regulation E and MasterCard Zero Liability are, it often seems the card issuer absorbs the loss in most cases. As soon as the cardholder cries, "Fraud!" many institutions are already writing off the dispute. In this comprehensive program, we will examine the chargeback process step by step to uncover what rights the institution has when faced with a cardholder's claim. This webinar will help frontline staff who need to know what information to obtain from the cardholder when a dispute is filed, as well as the processing team who can protect the institution's rights by filing the correct chargeback codes. Anyone involved in the process of handling MasterCard debit card error resolution claims can benefit.
• Opening Multi-tiered Business Accounts
  Opening accounts for entities like partnerships, LLCs and corporations can be complicated, especially when the owners of the entities are other business organizations or trusts. Digging through and understanding the documentation required to open these accounts can be daunting. This two-hour webinar will help you organize that effort, understand the layers of management and ownership you may be dealing with, and get the accounts established properly for your bank.
• IRAs -- The Basics
  Whether you've just been become the IRA Coordinator at your financial institution or have been handling IRAs for a while and want a refresher on the basics of this complex service, Patrice Konarik's webinar, "IRAs--The Basic Facts," will provide the information you can use to create a sound foundation for your institution's IRA program's.
• IRA Advanced - Complicated Issues
  If you have a good grasp of IRA basics but need information on recent developments and the more complex IRA questions involving transfers, rollovers, distributions, and IRS reporting, Patrice Konarik's webinar, "IRAs--Complicated Issues," is just what you've been looking for.
• When Social Media Attacks
  If your institution has a Social Media presence or is weighing the idea, the goal is often to "get your name out there."   Has management considered that Social Media can also be used by someone with an agenda to attack your institution's reputation -- even its "bottom line"? Join Barry Thompson for his informative two-hour presentation to learn how Social Media can work either for your institution or against it, and how to remain vigilant to detect attacks before they do irreparable harm.
   
• 10 Compliance Hotspots for Opening Deposit Accounts
  Opening deposit accounts correctly means much more than running through a checklist to ensure you've handed out the right disclosure documents. How well your bank manages the account-opening process can greatly affect not only your compliance with regulations, but also your bank's exposure to fraud and avoidable lawsuits. Get the information you need to ensure your bank has the right policies and procedures for new accounts in this information-packed two-hour webinar from Deborah Crawford.
• Moving and Changing IRAs: Rollover, Transfer, Recharacterization and Conversion
  Tax Code and regulatory changes have made many more types of transfers, rollovers and others movements of funds permissible between company retirement plans and individual retirement arrangements and even HSAs, and understanding all the technical requirements for these movements of funds has become much more of a challenge. If your institution doesn't follow the complex rules correctly, your customers can suffer financial penalties, and you know they will expect the institution to pay. Join Deborah Crawford for this presentation and you'll have the information you need to get it done right, the first time, everytime. 
• Elder Fraud: The Baby Boomers' Nightmare
  The threat of elder financial abuse is guaranteed to present a fast-growing threat to your institution and its valued customers as baby boomers age. There has never been such a huge growth market for swindlers and other con artists to tap, and many of your best-educated and most valuable customers will be targeted. Find out why they are such attractive targets, how to detect the symptoms of elder abuse when your customers are victimized, and what steps your staff can and should take when elder abuse is suspected in this important new webinar presented by Barry Thompson and Arvin Clar.
   
• Stop Payments
   You cannot afford confusion among your staff about stop payment orders. Knowing which items can and cannot be stopped is critical. You also need to know whether a customer’s stop order is timely, or too late. Join John Burnett for his Stop Payment webinar, and get the answers. Learn whether the bank is “stuck” if a stopped ACH item is paid, whether to accept a stop payment on a cashier’s check, and much more
• 
  It's incredible! There were over $15 million in safe-deposit-related claims filed in 2011. Will inadequate training, faulty drilling procedures, vault flooding or a host of other problems expose your institution to claims or suits? Find out what you can do to reduce your institution's safe deposit risk from expert Dave McGuinn in this information-packed two-hour presentation.
   

• Conducting Background Investigations
  The primary purpose for conducting a background investigation is to obtain the information necessary that allows the appropriate manager or executive to make an intelligent and informed decision about initiating or continuing a relationship with a person or a company. 
• Employee Job Evaluations: Legal Advice On What To Do, Not to Do
  This webinar is about doing evaluations correctly, real-life scenarios of what helps the employee perform better, and what is constructive criticism from the supervisor, not fuel for litigation. 
• Harassment: What's Legal, What Isn't; What You Can and Cannot Do at Work
  This Webinar provides a heads-up on the "new rules of the workplace", based upon extensive research into federal statutes and court cases. It will educate your employees about how to avoid statements or behavior that could be construed as harassment -- on the basis of sex, age, race, disability, or other prohibited factors. 
• Insider Tips: Ten Things You Must Do When Disciplining or Discharging Employees
  The webinar will not merely be a "do this" list, but will discuss options, rationales and the pros and cons for a variety of situations and invite attendees' questions, to be answered during the live session or in a Q&A document that will be available within two weeks of the presentation. 
• These People Drive Me Crazy Headache and pain relievers for today's supervisors
  This program will examine the groundwork that must be laid in your branch or your department in order for you to help negative or difficult people see that what they are doing isn't working. If you are ready to put an end to allowing people who sabotage teamwork or don't pull their load to create turmoil this program is for you! 
• SAFE Act Implementation Issues: A Practical Guide
  A "How To" session to help institutions and loan originators prepare for implementation. This webinar will help you formulate a workable process to ensure that all will be ready when the Registry is activated in early 2011.
• Internal Fraud for the Beginning Security Officer
  Sooner or later, your bank will experience an internal embezzlement. How it is investigated and by whom can be critical to directors and senior management, who will be at least as concerned with the bank's image as with identifying and dealing with the embezzler. Whoever manages the investigation must be sensitive to the often competing concerns an internal embezzlement may raise. This webinar will give you the tools you need to help manage a successful investigation.
   
• Big Changes in Loan Originator Compensation - What Now?
  Yield spread premiums and double-dipping compensation for consumer dwelling-secured loans are about to become things of the past. By April 1, lenders have to comply with the new restrictions on loan originator and mortgage broker compensation in Regulation Z. This webinar will explain what the new limits are, who is affected, and how lenders can structure compensation programs for dwelling-secured loans without violating the rules.
• Two-Faced-Book Facebook Policy Can Serve You Well
  Recent court cases pertaining to social media, such as Facebook, have held employers liable for what was done on Facebook, as well as what wasn't. How are you supposed to embrace this technology everyone seems to say you need to be on, safely? Well, safely may be subjective but we'll give you the information you need to manage your risk in social media.
   
• Dynamic Training Secrets for Everyone!
  Being asked to present some or all of your bank's training can be an enormous challenge. But it can also be a tremendously rewarding assignment, and a valuable addition to the important list of skill sets on your resume. Honey Shelton's fast-paced webinar can help you make the most of the opportunity you've been given.
• Is Your Bank Penetrable?
  One of the smartest ways to prevent unauthorized intrusions into your bank's data network is to learn about the techniques that are used to gain unlawful access. If you attend this information-packed webinar, you'll hear two nationally-recognized security experts explain the many ways that crooks can use social engineering and social networks like Facebook to trick your own employees into opening data intrusion opportunities. You'll also learn about key policies and procedures your bank can employ to prevent poor employee practices and tighten up the security controls protecting your valuable data.
   
• SAFE Act – Review of the First Year
  The SAFE Act regulations are a little over a year old, the initial registration period is behind us, and the first annual registration renewal period is drawing to a close. Examiners have begun to review banks' compliance with the regulation and a pattern of frequent violations is beginning to appear. You can help your bank avoid exam citations for common violations and ensure that it correctly manages its ongoing compliance responsibilities under the SAFE Act with information from this valuable two-hour presentation. 

• ID Theft Red Flags and IT--Getting with the Program
  On November 9, 2007, the FFIEC agencies and the FTC issued the Final Rule on Identity Theft Red Flags and Address Discrepancies Under the Fair and Accurate Credit Transactions Act of 2003. Many discussions have revolved around this being a consumer compliance issue, but is it? While FACTA is primarily directed at consumer compliance, there are many aspects of the new Identity Theft Prevention Program that weave into the world of information technology. In fact, you may already have many aspects of the requirements in place or at least have the framework
• Identity Theft & Data Security
  This program is a great supplement to the ID Theft Red Flags and IT - Getting With the Program webinar, as we will delve deeper into some of the ways ID theft is being committed and the controls you should consider.
• Incident Response Plan - Your Framework for Responding to an Information Security Breach
  You can be sure that examiners will be looking for your plan. We will cover the key regulatory requirements including state level data breach notification laws and focus on the key elements of an Incident Response Plan.
• Securing Information Assets -- What's Your Weakest Link?
  These uncertain economic times are unfortunately forcing organizations to re-organize and in many cases reduce staffing. So it is also a good time to take a close look at shoring up our internal controls and getting back to old fashioned physical and computer security - it may not be just the employee who is walking out the door. 
• Under Attack: Scams, Schemes and Frauds
  This program teaches your staff the tools, tricks and websites used by criminals to defeat common sense. Participants will learn how to identify potential problems by understanding questions people ask them when conducting normal business transactions. We will provide information that you can use in your training sessions with staff.
• Social Engineering -- What the Red Flag Regulations Missed
  Financial Institutions across the country prepared for the Identity Theft Red Flag Regulations. Now learn the one area where the regulations missed the real world! Using the concepts of Social Engineering the criminal can attack your institution in person, via the Internet, or through your call center. Risk management professionals, no matter their area of expertise, need to know how these attacks work and exactly why their staff will fail during the attack.
• Customer Authentication: The Bar has been Raised
  Corporate account takeovers have been in the news lately, and courts have come down on both sides -- the customer's and the bank's -- when banks' security efforts on their customers' behalf have been called into question. The FFIEC just raised the bar on regulatory expectations regarding customer authentication, and banks need to start pondering their next move to tighten security over the online systems that they and their customers use. Find out what the FFIEC now expects banks to do in their battle to protect customer and bank assets as Jeff Patterson and Susan Orr offer their two-hour presentation, "Customer Authentication: A Higher Standard."
• Managing and Reporting Fraud
  Fraud losses have been around since the beginning of time. The difference between now and then is that there are more ways to steal from a financial institution today. You must have a program in place to combat fraud losses. You must be proactive and not reactive, which is not to say you don’t need to react quickly when you hear of a new way money can be lost. This program is about defining your key strategies to help you detect, control and prevent fraud losses.
• Mobile Banking
  Whether your institution will be in the lead or follow the pack, it will implement mobile banking to remain competitive. The rapid growth in smart phone and tablet sales virtually ensures that your institution will "go mobile" sooner or later. How far should you go? Should there be a mobile banking app for your bank? Join Paul Carrubba and Dan Fisher to explore the future of mobile banking, the risks that you must be aware of, and the concerns of both customers and regulators regarding this rapidly emerging bank service delivery channel.
• 10 Compliance Hotspots for Opening Deposit Accounts
  Opening deposit accounts correctly means much more than running through a checklist to ensure you've handed out the right disclosure documents. How well your bank manages the account-opening process can greatly affect not only your compliance with regulations, but also your bank's exposure to fraud and avoidable lawsuits. Get the information you need to ensure your bank has the right policies and procedures for new accounts in this information-packed two-hour webinar from Deborah Crawford.
• Elder Fraud: The Baby Boomers' Nightmare
  The threat of elder financial abuse is guaranteed to present a fast-growing threat to your institution and its valued customers as baby boomers age. There has never been such a huge growth market for swindlers and other con artists to tap, and many of your best-educated and most valuable customers will be targeted. Find out why they are such attractive targets, how to detect the symptoms of elder abuse when your customers are victimized, and what steps your staff can and should take when elder abuse is suspected in this important new webinar presented by Barry Thompson and Arvin Clar.
   

• Social Engineering -- What the Red Flag Regulations Missed
  Financial Institutions across the country prepared for the Identity Theft Red Flag Regulations. Now learn the one area where the regulations missed the real world! Using the concepts of Social Engineering the criminal can attack your institution in person, via the Internet, or through your call center. Risk management professionals, no matter their area of expertise, need to know how these attacks work and exactly why their staff will fail during the attack.
• Annual Operations Compliance Recap
    The Dodd-Frank Act isn't just about lending reforms. There is plenty of potential in its hundreds of pages for changes that affect bank operations, too. The fledgling Bureau of Consumer Financial Protection will soon begin weighing in with consumer-oriented rules that will have an impact on your operations as well. But before dealing with what is on the compliance horizon, you need to ensure you've taken care of what's happened in the past year. We'll recap all the major developments so you can put them on your list of completed tasks or add them to your "catch up" list for immediate attention.
• Corporate Account Take-Over and Securing your Internet Banking Site
  This Webinar will take an in-depth look at the problem, how it happens, what financial institutions have done, what the banking regulators have done, and how to protect your organization. 
• Vendor Management & Oversight -- Developing & Implementing a Comprehensive Program
  While regulations such as GLBA, ID Theft Red Flags and HIPAA call for overseeing outsourced relationships, the FFIEC agencies have issued specific guidance on how you are expected to be managing those relationships, starting with developing a vendor management program. We are also seeing changes in state data protection laws that are requiring vendor oversight.
• Essential Patch and Vulnerability Management
  This webinar will provide the attendee with the necessary information to develop a patch and vulnerability group to facilitate the identification of vulnerabilities and the installation of patches throughout the institution. 
• ID Theft Red Flags and IT--Getting with the Program
  On November 9, 2007, the FFIEC agencies and the FTC issued the Final Rule on Identity Theft Red Flags and Address Discrepancies Under the Fair and Accurate Credit Transactions Act of 2003. Many discussions have revolved around this being a consumer compliance issue, but is it? While FACTA is primarily directed at consumer compliance, there are many aspects of the new Identity Theft Prevention Program that weave into the world of information technology. In fact, you may already have many aspects of the requirements in place or at least have the framework
• Identity Theft & Data Security
  This program is a great supplement to the ID Theft Red Flags and IT - Getting With the Program webinar, as we will delve deeper into some of the ways ID theft is being committed and the controls you should consider.
• Incident Response Plan - Your Framework for Responding to an Information Security Breach
  You can be sure that examiners will be looking for your plan. We will cover the key regulatory requirements including state level data breach notification laws and focus on the key elements of an Incident Response Plan.
• Information Security: Regulation, Requirements and What's New
  This presentation will focus on regulation past and present as well as the most common IT audit and examination deficiencies of the last several years. We will also look at some of the threats to information assets present and future, what the experts are saying about IT, and what the regulators' concerns are for 2009 and beyond.
• Risk Analysis on Information Security
  This Webinar will take you, step by step, through three of the key components for risk assessment: information gathering, analysis of the likelihood and potential harm from various risks, and prioritization of responses. It will acquaint you with critical success factors in the risk assessment area. As part of the program, you will receive tools to help you get the job done and we'll make you aware of additional resources available to you. 
• Stealing from Within: Embezzlement & Data Theft
  The losses attributed to embezzlement are greater than those from all other financial crimes combined. When an institution experiences an embezzlement combined with a theft of its data, the potential losses can become astronomical. Embezzlement is both a "property" and a "people" crime -- it's not just a document or technological crime. Embezzlement is the intentional misuse or misappropriation of funds or property entrusted to an employee -- or some other person who has power, control, trust or authority over data, money or property. 
• Under Attack: Scams, Schemes and Frauds
  This program teaches your staff the tools, tricks and websites used by criminals to defeat common sense. Participants will learn how to identify potential problems by understanding questions people ask them when conducting normal business transactions. We will provide information that you can use in your training sessions with staff.
• Unraveling the Mystery of Developing An Enterprise-Wide Information Security Risk Assessment
  This seminar will provide an overview of the key elements of a risk assessment and provide a framework that can be adapted to the other numerous risk assessments now required. 
• RDC Risk Management and FFIEC Compliance: It is harder than you think!
  The FFIEC has impacted check image processing by expanding the definition of Remote Deposit Capture to include any form of deposit document imaging. Institutions must now include all technologies in their compliance program that scan and digitize deposit documents as part of their FFIEC Risk Management of Remote Deposit. It is more than commercial customers!
   
• The State of Security: Past, Present, and Future
  The pace of technological change, legislative and regulatory developments,
  and increasingly sophisticated criminals all combine to make data security a
  moving target. If you don't keep up with the changing environment, your
  bank's risk of data compromise or loss can only go up.
• IT Regulatory Issues - What's on the Radar for 2011 Examinations
  What do you know about the opportunities and risks for your bank from social networking, cloud computing and unified communications? You can be sure that regulators are giving each of these areas increased attention as risks become better understood and examiners gain experience with banks deploying newer technologies. Help keep your bank informed on what to expect from regulators by attending this important presentation by Susan Orr.
   
• Customer Authentication: The Bar has been Raised
  Corporate account takeovers have been in the news lately, and courts have come down on both sides -- the customer's and the bank's -- when banks' security efforts on their customers' behalf have been called into question. The FFIEC just raised the bar on regulatory expectations regarding customer authentication, and banks need to start pondering their next move to tighten security over the online systems that they and their customers use. Find out what the FFIEC now expects banks to do in their battle to protect customer and bank assets as Jeff Patterson and Susan Orr offer their two-hour presentation, "Customer Authentication: A Higher Standard."
• Consumer and Small Business RDC Mobile Capture . . . Deposits on the Move!
  If your financial institution is about to offer or considering extended remote deposit capture for small businesses and consumers, you need to be aware of the unique added risks involved in that market. Regulators will expect you to have completed a thorough risk analysis and prepared a risk mitigation program for the expanded client base. This webinar will review the risks that consumers and small businesses present, and provide the information you need to ensure you'll be able to analyze and manage the risks to protect your institution.
   
• Managing and Reporting Fraud
  Fraud losses have been around since the beginning of time. The difference between now and then is that there are more ways to steal from a financial institution today. You must have a program in place to combat fraud losses. You must be proactive and not reactive, which is not to say you don’t need to react quickly when you hear of a new way money can be lost. This program is about defining your key strategies to help you detect, control and prevent fraud losses.
• FFIEC Supplement to Authentication Guidance
  The 2001 and 2005 FFIEC Guidance has been updated. The FFIEC has added Supplemental Guidance and you are required to be following this in January 2012. There have been significant changes and this webinar will help you understand what those changes are, and what you need to do to comply and protect both your customers and your bank.
• Mobile Banking
  Whether your institution will be in the lead or follow the pack, it will implement mobile banking to remain competitive. The rapid growth in smart phone and tablet sales virtually ensures that your institution will "go mobile" sooner or later. How far should you go? Should there be a mobile banking app for your bank? Join Paul Carrubba and Dan Fisher to explore the future of mobile banking, the risks that you must be aware of, and the concerns of both customers and regulators regarding this rapidly emerging bank service delivery channel.
• Is Your Bank Penetrable?
  One of the smartest ways to prevent unauthorized intrusions into your bank's data network is to learn about the techniques that are used to gain unlawful access. If you attend this information-packed webinar, you'll hear two nationally-recognized security experts explain the many ways that crooks can use social engineering and social networks like Facebook to trick your own employees into opening data intrusion opportunities. You'll also learn about key policies and procedures your bank can employ to prevent poor employee practices and tighten up the security controls protecting your valuable data.
   
• Elder Fraud: The Baby Boomers' Nightmare
  The threat of elder financial abuse is guaranteed to present a fast-growing threat to your institution and its valued customers as baby boomers age. There has never been such a huge growth market for swindlers and other con artists to tap, and many of your best-educated and most valuable customers will be targeted. Find out why they are such attractive targets, how to detect the symptoms of elder abuse when your customers are victimized, and what steps your staff can and should take when elder abuse is suspected in this important new webinar presented by Barry Thompson and Arvin Clar.
   

• IRAs -- The Basics
  Whether you've just been become the IRA Coordinator at your financial institution or have been handling IRAs for a while and want a refresher on the basics of this complex service, Patrice Konarik's webinar, "IRAs--The Basic Facts," will provide the information you can use to create a sound foundation for your institution's IRA program's.
• IRAs -- Essential Issues of IRS and Customer Year-End Reporting
  Whether you are a customer service rep, IRA supervisor, in charge of IRA reporting or answering IRA accountholders in a bank call center, this detailed webinar will raise your comfort level regarding IRA reporting. 
• IRA Advanced - Complicated Issues
  If you have a good grasp of IRA basics but need information on recent developments and the more complex IRA questions involving transfers, rollovers, distributions, and IRS reporting, Patrice Konarik's webinar, "IRAs--Complicated Issues," is just what you've been looking for.
• Top 25 HSA Issues for 2011: Key Issues for Administering HSAs
  Tax season always prompts increased awareness of employee benefit plans like Healthcare Savings Accounts. Your bank's personnel need to know how to respond to customer questions about HSAs and how to address the annual tax reporting issues that always come up. HSA expert Whitney Johnson gives you the information you need to keep your institution current in the changing HSA environment in this information-packed two hour webinar.
   
• How to Audit Your IRAs, HSAs and CESAs
  If you've been given the responsibility of managing your bank's IRA, HSA and/or Coverdell Education Savings Account program, you need to know the basics of managing and auditing the portfolio of client agreements and accounts, how to properly complete the related paperwork and reporting and how to correct errors that can and will occur. Get the information you need to get the job done in this information-packed two-hour webinar. 
• Moving and Changing IRAs: Rollover, Transfer, Recharacterization and Conversion
  Tax Code and regulatory changes have made many more types of transfers, rollovers and others movements of funds permissible between company retirement plans and individual retirement arrangements and even HSAs, and understanding all the technical requirements for these movements of funds has become much more of a challenge. If your institution doesn't follow the complex rules correctly, your customers can suffer financial penalties, and you know they will expect the institution to pay. Join Deborah Crawford for this presentation and you'll have the information you need to get it done right, the first time, everytime. 

• Regulation Z – New Rules for Private Education Loans
  This two-hour webinar covers all of the new Regulation Z rules pertaining to private education loans.
• Repossessions and Sale of Collateral
  In this two-hour program, we will explore the primary issues faced by secured lenders in the process of enforcing their remedies on secured transactions and how the changes in Revised Article 9 affect those remedies.
• Common Mistakes in UCC Filing
  This two-hour seminar focuses on common errors in preparing and filing UCC documents and the steps necessary to eliminate the errors.
• Dodd-Frank: What Will the Financial Impact Be to Your Bank?
  This CD ROM will be available after April 15, 2011.
  You already know that the Dodd-Frank Act includes huge changes that will affect every bank's operations, lending, compliance and other units. But have you identified and put a dollar figure on the changes that will adversely hit your bank's bottom line? The "Transfer Date" looms large, only a few months away, and many of the Dodd-Frank provisions will start to "kick in." Have you made the right allowances for those changes in your 2011 (and beyond) budget? This two-hour webinar can help you avoid surprises by digging into Dodd-Frank to unearth its hidden budget challenges.
• Mandatory Reporting of Appraisal Violations
  Did you know your institution could be fined $20,000 a day for failing to report certain violations of appraisal independence laws and regulations? Recent law changes have made optional reporting mandatory, and failing to file a report could be costly! Join Richard Hagar for this important 2-hour presentation to learn which violations must be reported, how to recognize them, and where and how to report, to help your institution avoid these onerous penalties.
   
• Adapting to Reg Z Reform - Understanding MDIA, HPMLs and More
  This webinar will provide high level insight into the Mortgage Disclosure Improvement Act (effective July 30, 2009) and the High Priced Mortgage Loan and other closed end mortgage loan requirements (effective October 1, 2009). 
• Applicants and Applications - Knowing the Players and the Rules
  Join BOL Guru David Dickinson to learn the rules of loan applications. Although we use the term "basic" when describing the information to be presented within this webinar there really isn't anything "basic" about it. The term "application" is something many of us think we understand; however, there are many misconceptions and often this is an area where we really don't quite understand as well as we should.
• Appraisal Review - Saving Time and Costs
  This webinar is designed to help non-appraisers understand appraisals and discover the most likely and obvious issues within a report (commercial or residential).
• Appraisals: What You Need to Know NOW!
  Learn what examiners are going to ask you about the appraisals and appraisal process used in your bank. 
• E-SIGN - Cases of Interest and Doing it Right
  Many banks have recently started using E-SIGN or are considering it. But understanding the implications is important. You can't just follow the steps required for your consumer and assume you have met your obligation. If the customer defaults and you want to sue them, what will you take to court? What will the court accept? What constitutes proof of the obligation? We'll explore these questions so you can defend your loan, your deposit account or your disclosures, in court. We will look at legal cases of interest you can learn from after reviewing the basics of E-SIGN.
   
• Appraisal Process – New Requirements
  If you and your lending staff work with real estate appraisals, you won't recognize the new regulatory landscape. Almost everything you've done in the past has to change, and many of the changes are already in effect, with more to come in May. Learn about new limitations, new forms, and new communications methods that affect your relationships with appraisers, mortgage brokers, even with FNMA and FHLMC, in this critically important two-hour webinar. 
• Basic Lending Issues: Perfection to Collection
  This "must attend" session will overview and explain the entire lending process, from perfection to collection, and provide an opportunity to have some of your bank's lending questions answered by the speaker.  This CD-ROM will be available after March 16, 2011.
• BSA/AML Compliance for Directors
  This presentation emphasizes BSA/AML basics. It addresses about what board members are expected to do and why they are expected to do it. The training should be supplemented by a review of your institution's procedures and processes for assuring compliance. 
• Complying with the S.A.F.E. Act: New Final Rules
  There is a great deal of work to be done before registration begins. In this webinar, Jack and Mary Beth will familiarize you with the specifics of the S.A.F.E. Act and the steps you must start taking to ensure you will be in compliance.
• Construction Lending
  This "must attend" session will explain the commercial construction lending function from start to finish. 
• Credit CARD Act - Getting Ready for Major Changes
  We'll address all the changes the Credit CARD Act contains in this webinar, and lay them out in an easy-to-understand format, so you'll know exactly what the changes are and when they're going to happen.
• Dealing with Distressed Borrowers & Avoiding Foreclosure
  This webinar deals with all the issues to consider when contemplating modifying loans, including what exactly you might do, government programs, and the compliance implications involved. Fair lending is a big focus here; you have to make sure that whatever you decide to do, you do it in a fair and equitable manner. Count on the fact that examiners will ask you about how you deal with distressed loans and borrowers.
• e-Disclosures, ESIGN, UETA and Regulatory Changes
    Requirements in Regs. E and Z have recently been modified. These will be discussed in detail. This presentation offers all the information you need in order to plan for low risk e-delivery or to review e-delivery systems already in place.
• Everything You Need to Know to Develop, Maintain and Audit ARM Disclosures
  This two-hour webinar explains how to develop, maintain and audit ARM disclosures. The program explains the rules, reviews typical problems that occur, and provides steps to assure ongoing compliance. 
• Fair Lending - Assessments on Risk and Performance
  This program will give you the opportunity to hear from regulators as to what they are seeing, what are the violations, what are the best practices, what are the disturbing trends and how you can recognize, manage and measure risk. We'll also discuss ongoing monitoring techniques and wrap this up with what your board should be hearing to know your program is on top of fair lending. 
• Fair Lending – Positive Steps to Risk Reduction
  This program shows how to identify and eliminate fair lending risk that can lead to examination problems, referrals to the Department of Justice and costly defense actions. 
• Financing Statements: The Name is the Game
  In this two-hour webinar, we will explore the various ways to determine the debtor's exact legal name and examine case and statutory law dealing with the legal name of an individual debtor in addition to reviewing collateral description issues and how to properly complete a financing statement. 
• Gigantic Changes to Regulation Z Rules for Open-End Credit
  This program contains core knowledge all banks need to comply with the rapidly unfolding rules for open-end credit. 
• How to Properly Handle Adverse Action
  Does your lending staff understand and follow the Regulation B adverse action notice requirements for consumer and business applicants? Are adverse action notices properly completed and delivered to consumers under the Fair Credit Reporting Act?
  
  Violations of either of those important requirements can land your institution in hot water and result in hundreds of hours of extra effort, not to mention negative public relations and civil penalties.
   
• A - Z of Reg B
  We'll cover the basic rules from the evaluation of application, data that must or may be gathered, when and which disclosures to provide, retention requirements and more. 
• Construction Loan Compliance Rules
  The failure to provide proper disclosures for construction loans can lead to lawsuits and regulatory enforcement issues. This web seminar explains the proper handling of construction loans to avoid liability. 
• Court Watch
  This program is not legal theory. It is not an exhaustive review of the progression of a case or a review of conflicting court opinions. It is not designed for attorneys. It is practical advice for bankers drawn from the prior experience of other bankers. 
• ECOA - Review and Update
  The Equal Credit Opportunity Act and Regulation B have been around for decades, and during that time examiners have continually cited violations and courts have continually found creditors liable for violations of the law and regulation. This two-hour seminar explains how to comply with ECOA and Regulation B. 
• FACTA: Credit Eligibility and Medical Information
• Flood Insurance Coverage Issues
  This two-hour seminar covers all of the rules regarding flood insurance coverage. To gain a better understanding of the ramifications of an incomplete understanding of this material, visit the following website.
• Flood Insurance Frequently Asked Questions
  The program provides a thorough review of the Flood Disaster Protection Act and the flood regulations. Participants receive a detailed manual that serves as a handbook long after the program is completed. 
• Flood Insurance Guidelines
  Join BOL Guru David Dickinson and Jerod Moyer from Banker's Compliance Consulting to learn about the NEW, Proposed Interagency Flood Insurance Questions and Answers and the newly revised Mandatory Flood Insurance Guidelines. 
• HMDA: Frequently Asked Questions
  The program provides a thorough review of HMDA and Regulation C. Participants receive a detailed manual that serves as a handbook long after the program is completed. 
• HMDA: Soup to Nuts
  This webinar is designed to help all lending personnel understand the what, why, how, and when of HMDA. This webinar covers HMDA from "soup to nuts," but breaks the regulation down into manageable bite-sized chunks. 
• How to Avoid Penalties for Improper Lending Practices
  This two-hour webinar focuses on penalties for failure to comply with the Flood Disaster Protection Act, the Truth in Lending Act and the Real Estate Settlement Procedures Act. The seminar reviews common violations that result in penalties, typical penalty assessments and steps to eliminate the common violations that result in penalties. 
• How to Create Effective Loan Policies
  This webcast seminar will be very useful to any person that deals with the financial institution's loan policies. It can help the financial institution prepare for an upcoming examination or ensure the financial institution operates within its prescribed risk tolerances.
• Insider Lending and Regulation O
  This program provides the information needed by the lending, compliance and audit staff to assure ongoing compliance with the regulation. Participants receive a detailed manual that serves as a handbook long after the program is completed. 
• Legal Issues Involved in Collection
  This webinar will be useful to any person involved in the collection process including loan officers, credit analysts, credit administration personnel, compliance personnel, workout personnel and attorneys. 
• Lending Regulations - Coverage and Exemptions
  Join Mary Beth Guard and Jack Holzknecht in this important two-hour webinar to learn more about the special rights and protections that congress has given to members of the armed forces and their families, and how the new law could have unintended consequences. 
• Lending to Servicemembers: New Defense Department Regulations
  While the new regulations only apply to a very narrow band of loan products; the regulations impose a substantial burden on lenders that offer those products. And the potential penalties are huge. This two-hour program explains the new regulations in detail.
• Mobile Home Lending
  In this webinar we will discuss mobile/manufactured housing and Flood, Truth in lending and Reg Z requirements, Appraisal disclosures, Fair Housing, and more. 
• Mortgage Loan Scams - When Real Estate Isn't Real
  Let the nation’s top real estate and mortgage fraud expert demonstrate the most common frauds on applications, purchase and sales agreements, and appraisals. Real estate insider Richard Hagar will even show you the top five methods used by borrowers for faking a down payment.
• New Credit CARD Act Rules
  This program contains core knowledge all banks need to comply with the new requirements that apply to all types of open-end credit by the August 20, 2009 effective date and is designed for operations officers, compliance officers, loan officers, auditors and others who must comply with the new interim final rules for open-end credit.
• New Early Truth in Lending Disclosure Rules
  This two-hour webinar covers the revisions to the early TIL disclosure requirements and the revisions to the revisions. 
• Non-Credit Card Provisions of the Fed's Credit CARD Act Final Rule
  We'll discuss just those provisions that affect non-credit card plans. If you don't offer credit cards, this is the session for you. How will all these changes affect your institution? What is effective when? We'll lay the changes out in an easy-to-understand format, so you'll know exactly what the changes are and when they're going to happen. 
• Documenting an Applicant's Intent to be a Joint Applicant
  Join BOL Guru David Dickinson to learn when, where and how to document an applicant's intent to apply jointly. Intent to be an applicant is often something that we assume or take for granted. Assumptions like this, especially regarding the Equal Credit Opportunity Act (Regulation B), can only lead to trouble - of the fair lending variety.
• Regulation Z - Section 32 Mortgages
  This two-hour program explains how to identify transactions covered by Section 32 of Regulation Z, what disclosures are needed and when, and special restrictions on the contract and on the creditor. The program explains the rules, reviews typical problems that occur, and provides steps to ensure ongoing compliance. 
• Regulation Z - Revised Open End Credit Rules
  This two-hour webinar covers all of the new Regulation Z rules that impact open-end credit products such as overdraft lines and credit cards. 
• Regulation Z – New Advertising Rules
  This two-hour webinar covers all of the new Regulation Z advertising rules and places the changes in context of the existing Regulation Z advertising requirements.
• Reg Z Roundup - Guide to the October 1st Changes
  This program is designed to explain the extensive list of new limitations and new prohibited acts and practices. Program participants receive a detailed manual that provides a thorough explanation of the new rules. 
• HMDA - Preparing for the March 1, 2011 Data Submission
  This CD ROM will be available after February 22, 2011.
  All HMDA-reporting financial institutions must submit 2010 HMDA data to their regulator by March 1, 2011. This program prepares you for that task.
• How to Comply With the Rescission Rules
  The rescission rules are complex and lead to numerous violations and lawsuits. The key to preventing the violations and lawsuits is knowledge. This two-hour program explains all of the rescission rules. It provides easy to understand answers to questions. And, it provides a system to assure compliance. 
• Right of Setoff
  This Webinar focuses on setoff rights of financial institutions under common law, state statutes, and common contractual provisions. It also addresses limitations on those rights. 
• Speedier Lending with e-Disclosures
  This webinar will follow the loan disclosure process from beginning to end and map out how E-SIGN can align with the workflow, giving you all the information you need in order to plan for low risk e-delivery or to review e-delivery systems already in place. 
• Understanding Commercial Real Estate Appraisals: Reviewing the Appraisal
  Join Richard Hagar in his information packed two hour webinar on Understanding Commercial Real Estate Appraisals to get the information you need to manage commercial appraisals in your institution. 
• Understanding Loan Documents
  This seminar guarantees that lenders understand the essential information needed to do their job at application, at closing and even through collection of the loan.
• Understanding the Newly Rleased Flood Insurance Q&As (9/2009)
  The webinar thoroughly covered the finalized questions and answers as well as the five proposed questions. Suggestions on how to write a comment letter were also provided. The finalized Q & A became effective September 21, 2009. 
• When and How to Collect Monitoring Information
  This two-hour program reviews each of the different federal regulations that require the collection of monitoring information. 
• Bankruptcy 101
  This webinar will focus on what creditors (specifically financial institutions) must know about this specialized area of the law. The webinar is intended as an introduction to bankruptcy law for financial professionals who deal on a regular or occasional basis with bankruptcy cases, but who may not have formal legal training. In the case of bankruptcy, "forewarned is forearmed." 
• Bankruptcy: Creditor Do's and Don'ts?
  This webinar will provide a comprehensive look at the way bankruptcy proceedings are conducted and the impact on the rights and obligations of both debtors and creditors. We will review the new provisions of BAPCPA and discuss decisions rendered by courts that affect the rights and obligations of customers (debtors) and financial institutions (creditors). 
• Compliance for Commercial Lenders
  This two-hour program identifies the regulations that apply to commercial transactions and explains the specific requirements of each regulation that affects the commercial lending area. 
• Compliance from the Loan Officer's Perspective
  This webinar is different: we'll discuss how the lending process works; it is a roadmap through a loan rather than just talking about individual rules that may not have relevance to your audience. By utilizing this approach, participants can apply the proper rules to their specific duties. Learn what regulators and other authorities require from your loan departments, officers, underwriters, servicers, and marketers, among others. 
• CRA - Identifying and Documenting Community Development Activities
  This program reviews the regulatory guidance on determining which activities get credit. It also provides suggestions for steps to improve your chances for getting credit for a particular activity. 
• CRA Frequently Asked Questions
  The program provides a thorough review of CRA and the implementing regulations. Participants receive a detailed manual that serves as a handbook long after the program is completed. 
• Digging for CRA Credit
  This session will assist you in: Understanding the definition of "community development"; locating and communicating with community contacts; identifying CD loans, investments, and services; discovering sources for CD activities; and documenting for credit. 
• Picky Little Details in Lending Compliance
  This webinar will help you focus on some of the finer points of regulatory requirements that you have to comply with, new and old. As we review these issues you will know what to look for in your policies, procedures, training and practices that may need adjustments or emphasis. 
• Reducing Fair Lending Risk
  Designed for compliance officers, audit, marketing and loan administration, this program will teach you how to avoid surprises in the form of costly referrals to Justice.
• Regulation W - Transactions with Affiliates
  This two-hour program explains the basic requirements of Regulation W. 
• Understanding Appraisal Management Companies and Other Third Party Relationahips
   In this webinar, industry expert Richard Hagar will help you sort out what an AMC can do for you and what it cannot do, so that your bank can make a responsible, informed decision about appraisal management. 
• Workout and Problem Loan Management
  You will hear many new ideas in this seminar. Some will be attractive and immediately put to use at your bank upon your return. Some ideas will be controversial and totally not applicable to your bank's culture or environment. I stress that there are no "right" answers in special asset resolution, only solutions. The presentation will heavily rely on realistic, non-academic ideas which WORK AND HAVE BEEN TESTED IN BATTLE!
• Escrow Rules Review and Update
  The escrow rules have changed and they’re about to change again! Significant new escrow requirements were added to Regulation Z in April 2010 and updated in April 2011. More changes have already been proposed to implement requirements imposed by the Dodd-Frank Act. It’s time to make sure you’ve got it all under control so that your institution can avoid significant penalties for non-compliance.  
• Annual Lending Compliance Recap
    The Dodd-Frank Act is changing the world of compliance and while the CFPB hasn't implemented all these changes yet, there are changes and you can't miss any of them.  This program is a fast-paced review of the highlights of all the developments in lending compliance in the past twelve months so you can be sure you've caught them all. Review what was to be done and how you have implemented these and do it before the CFPB starts a new round of massive changes.
• Unfair, Deceptive, or Abusive Acts and Practices
  Your ads may comply with Reg DD or Z. Your loan disclosures may conform to RESPA and TILA. But you could still run afoul of UDAAP, the new "unfair, deceptive or abusive acts or practices" standard to be established by the Consumer Financial Protection Bureau in your marketing, disclosure or delivery of products and services. UDAAP threatens to be a major concern, particularly to your lending function, and you need to know what to expect. Join Jack Holzknecht for his informative webinar as he offers suggestions about what the Bureau will target under its yet-to-be-proposed regulations.
   
• Conducting a Fair Lending Self Assessment
  This program explains a method of self assessment based on the interagency fair lending examination procedures. It involves side-by-side file review and several other techniques that help you rapidly focus on the areas in which fair lending problems are most likely to occur. 
• New Age of Mortgage Lending: Dramatic Changes from Dodd-Frank
  This CD ROM will be available after February 8, 2011. The Dodd-Frank Act contains many game-changers affecting almost every aspect of banking, but perhaps no area will be as greatly impacted as mortgage lending. The many statutory and coming regulatory amendments will cause many lenders to question whether they should stay in the mortgage business, or if they do, to what extent. This is more than a compliance event: it is a larger, business-related decision, since the changes go far beyond just new disclosures.
   
• Short Sales and Deficiency Judgments
  This CD ROM will be available after February 4, 2011.
  
  
  Understanding the Alternatives in the Collateral Liquidation Process
• GFE and HUD-1 One Year Review
  This CD ROM will be available after January 18, 2011.
  The January 1, 2010 revisions to RESPA resulted in huge changes to the  Good Faith Estimate (GFE) and the HUD-1/A settlement statements. Since then HUD has revised the Frequently Asked Questions (FAQs) and created the RESPA Roundup. This program reviews the forms, the instructions for completing the forms, the FAQs related to the forms, the RESPA Roundup, and common form completion issues.
• SAFE Act Implementation Issues: A Practical Guide
  A "How To" session to help institutions and loan originators prepare for implementation. This webinar will help you formulate a workable process to ensure that all will be ready when the Registry is activated in early 2011.
• Regulation Z: New, Interim and Proposed Rules
  The changes to Regulation Z continue to flow.  This program provides the information needed to implement the latest round of new rules.
  
  Upon completion of the program participants will understand all of the new, interim and proposed rules recently published by the Federal Reserve Board.
• Identifying and Preventing Mortgage Loan Fraud
  Let the nation's top real estate and mortgage fraud expert demonstrate the most common frauds on applications, purchase and sales agreements, and appraisals. Real estate insider Richard Hagar SRA will even show you the top five methods used by borrowers for faking a down payment.
• Big Changes in Loan Originator Compensation - What Now?
  Yield spread premiums and double-dipping compensation for consumer dwelling-secured loans are about to become things of the past. By April 1, lenders have to comply with the new restrictions on loan originator and mortgage broker compensation in Regulation Z. This webinar will explain what the new limits are, who is affected, and how lenders can structure compensation programs for dwelling-secured loans without violating the rules.
• Auditing Escrows
   Change is moving at a fast pace and there is a lot to keep up with. That includes escrow accounts. We've heard of some lenders who said they would stop offering certain products because the escrow rules were too much of a burden. We think that is a drastic step. In this webinar you'll learn what the escrow requirements are and how to deal with them. From an auditor's perspective you'll learn what is required and when. This knowledge can be used in establishing these accounts as well, so lenders, loan administrators and auditors will all benefit from listening. We'll provide you with checklists and tools needed to ensure compliance.
   
• 2011 Fair Lending Review and Update
  There are lots of lending compliance challenges today, but you can't afford to push Fair Lending to the bottom of your compliance list. New exam procedures, increased focus by the Department of Justice, changes mandated by the Dodd-Frank Act and concerns about Fair Lending in workouts and foreclosures all add up to keep Fair Lending at the center of regulatory scrutiny. This information-packed two-hour webinar will convince you of the ongoing importance of Fair Lending compliance to your institution, and give you the information you need to help avoid violations and DOJ referrals.
• New Appraisal Requirements from the 3-Headed Monster: New Interagency Guidelines, New Reg. Z Rules, and Dodd-Frank
  The real estate appraisal process has been under attack from all sides. The Interagency Guidelines have been updated, Regulation Z has been amended, and there is more change to come from the Dodd-Frank Act. Wrapping your arms around all of these changes is a huge compliance challenge, but one you can manage better with the help of Carl Pry’s comprehensive presentation on all of the new appraisal requirements.
• Regulation Z - Revised Examination Procedures
  Whether you were in school decades or months ago, you know it was always helpful to know what information quizzes and exams would cover. That doesn't change when you're looking at regulators' compliance exams of banks-- you feel better prepared when you understand what the exam will be like. Join Mary Beth Guard and Jack Kolzknecht for their BOL Learning Connect webinar covering the January 2011 updated Regulation Z examination procedures, and get the information you need to ensure that your bank is as well-prepared as it can be for its next Truth in Lending compliance examination.
   
• The SAFE Act - Exactly How Does the Registration Process Work?
  The registration of your institution and Mortgage Loan Originators under the requirements of the SAFE Act regulations has to be completed by July 29. If you haven't started the registration process, or if you've run into roadblocks, Carl Pry's webinar on SAFE Act registration will provide a roadmap you can use to find your way through the multi-step journey.
   
• How to Audit for S.A.F.E. Act Compliance
  Agency regulations for SAFE Act compliance all require annual independent testing for compliance by either bank personnel or third parties. The regulations were effective on October 1, 2010, and the initial registration period will end on July 29, 2011. You should be planning now for annual audits to ensure that your institution is in compliance. Patricia Cashman's two-hour webinar will provide you with the information you need to form your SAFE Act compliance audit plans.
• Fair Credit Reporting Act: Revised Examination Procedures
  The last of the major FACT Act changes to the Fair Credit Reporting Act have been finalized and the updated exam procedures have been finalized. Find out what the changes are and how the agencies' exam procedures can help you craft an effective audit program.
• The Consumer Financial Protection Bureau (CFPB) is About to Take Control:
  With July 21 fast approaching, bankers across the country are still wondering what to expect as the CFPB or Bureau assumes control of consumer protection regulations. No one truly expects an immediate avalanche of new regulations, but what can the industry expect? What new rules will be effective on July 21, and which are most likely to come soon afterward? In short, what are bankers in for under the new regulatory regime? The clouds are beginning to clear in the crystal ball, and Carl Pry’s informative webinar will help you begin to make sense of the uncertainties looming there.
• RESPA Update
  If you think that RESPA compliance is a moving target, you’re right. HUD continues to issue interpretations of its regulation via an evolving FAQ (through April 2010) and issues of “RESPA Roundup.” Examiners, like lenders, are still making adjustments.  Through his many contacts, David Dickinson has kept current with the latest changes to the RESPA compliance landscape. In his two-hour BOL Learning Connect RESPA Update webinar, David will walk you through the Good Faith Estimate and Settlement Statement to provide the information you need to ensure your RESPA compliance procedures are up-to-date.
• All about Escrows
  Escrow requirements have always been complicated, and they’ve gotten more complex now that Regulation Z is requiring escrows of tax and insurance for higher priced mortgage loans. Things will change again as new Dodd-Frank Act rules are finalized in the coming months. Join David Dickinson for his Escrows webinar and you’ll learn the right way to handle residential mortgage loan escrows, from Settlement Statement entries to initial escrow disclosures to pay-off statements, and everything in between.
• Common Compliance Violations
  With all that is changing in the world of banking regulation, you need every edge you can get. One way to help prioritize your compliance efforts is to know the types of violations that regulators are regularly citing at other institutions, and what's likely to cause problems in the new rules being issued. Mary Beth Guard and Carl Pry will help you learn from others' mistakes in this information-packed two-hour webinar.
   
• New Credit Score Disclosures: New Amendments to Regs B and V
  FCRA amendments requiring that information on credit scores be included in risk-based pricing notices and adverse-action notices will be effective July 21, 2011, and implementing amendments to the Fed's regulations B and V will be effective soon thereafter. Will the new requirements affect your bank's operations? What changes will you have to implement, and when? Get the information you need to comply with the updated rules in this BOL Learning Connect webinar.
• Consumer Residential Real Estate in the new Dodd-Frank World: Auditing for RESPA and Reg Z
  If you're struggling trying to update your residential mortgage loan audit workpapers for the recent changes to RESPA and Regulation Z, Pat Cashman has answers for you. Attendees at this informative 2-hour webinar will receive sample workpapers to get you started on the right foot.
   
• UDAAP: A HUGE Compliance Influence is Coming
  Can you speak "UDAAP"? Learning how to understand this new compliance language could be the most important thing you do as the new Bureau begins to flex its consumer protection muscles. The addition of "abusive" to UDAP's familiar "unfair or deceptive," together with the Bureau's broad Dodd-Frank Act mandate for action, threaten to make "UDAAP" the most significant term ever to affect bank compliance. Now is the time to start preparing and to learn what's to come. This is the webinar that will give you an understanding of the breadth of the Bureau's mandate and what it can mean to your bank now and in the future.
• Digging Deeper into Appraisals: Guidelines, Reviews, and More
  The appraisal rules have changed and will be changing more in the near future. This webinar is designed to answer your questions on what examiners will expect from you, how to address the risks inherent with the existing and new rules, and how to handle the day-to-day requirements surrounding the appraisal rules. We will also deal with one of the most pressing issues, appraisal independence, as well as evaluations that aren't really appraisals, but need your attention as well.
• Digging Deeper into Appraisals: Guidelines, Reviews, and More
  The appraisal rules have changed and will be changing more in the near future. This webinar is designed to answer your questions on what examiners will expect from you, how to address the risks inherent with the existing and new rules, and how to handle the day-to-day requirements surrounding the appraisal rules. We will also deal with one of the most pressing issues, appraisal independence, as well as evaluations that aren't really appraisals, but need your attention as well.
  
   
• Dodd-Frank Act Status Check
  Are you struggling to keep the status of all the Dodd-Frank Act changes affecting lending straight? Jack Holzknecht will help you organize your compliance and change-management efforts with his "Dodd-Frank Act: Status Check" webinar. He'll cover the changes that have already been implemented, what's pending, and what is yet to come from this hugely-significant banking reform law.
   
• SAFE Act – Review of the First Year
  The SAFE Act regulations are a little over a year old, the initial registration period is behind us, and the first annual registration renewal period is drawing to a close. Examiners have begun to review banks' compliance with the regulation and a pattern of frequent violations is beginning to appear. You can help your bank avoid exam citations for common violations and ensure that it correctly manages its ongoing compliance responsibilities under the SAFE Act with information from this valuable two-hour presentation. 
• The Mortgage Life Cycle
  Let's face it. Residential mortgage lending is a complicated business. There are just so many laws and regulations lenders have to comply with! David Dickinson and Jerod Moyer's three-part Mortgage Loan Lifecycle webinar series helps connect each of those requirements with the many stages though which the mortgage loan moves, from application to closing and beyond.
   
• How to Conduct a Fair Lending Risk Assessment
    If your financial institution has not completed a fair lending risk assessment as a foundation for a well-crafted compliance management system, it risks regulatory enforcement action and Justice Department referrals that can lead to punishing consequences. Get the information you need to help your institution gets its fair lending risk assessment completed so that it can identify and implement needed risk controls.
• HMDA – Beyond the Input
  So much work, and what benefit do you get from it? Compiling, editing and filing your institution's HMDA LAR can seem like a thankless task if all you get is a check mark on a list of deadlines. Shouldn't all that information be worth something to the institution? If you attend this information-packed webinar by Pat Cashman, you'll learn ways your institution use your HMDA data to avoid fair lending problems, ferret out potential new business and better understand your competition's mortgage lending activity. And that's just for starters!
   

• Advertising Compliance, Avoiding the Pitfalls
  How you advertise your products can affect your bank's compliance rating. If you do it wrong, you can face fines and penalties and even lawsuits. So it makes sense to ensure that your advertising complies with applicable laws and regulations. Get the information you need to stay on the right side of advertising compliance, along with some excellent examples of ads that spell "Trouble with a Capital T" in this informative two-hour presentation.
   
• CAN SPAM and Do Not Call, Addressing these marketing rules
  What are you required to have, and to do for email solicitations, telephone calls and faxes that advertise your products and services? These are the questions we'll answer in this "more than marketing" webinar.
• Freebies, Bonuses & Contests
  As the pressure to attract new customers gets intense, bankers are often tempted to try sales gimmicks to capture market share. Often there is confusion about what legal and regulatory limits are put on these sales efforts.
• ExSelling: A Sales Workshop for Calling Officers
  This program is about excelling at selling.
• Regulation Z – New Advertising Rules
  This two-hour webinar covers all of the new Regulation Z advertising rules and places the changes in context of the existing Regulation Z advertising requirements.
• Way to Go! Best Sales and Service Practice for the Frontline
  This webinar is designed for financial institutions that are serious about becoming a world-class sales and service organization. When the customer walks in, drives up, emails, or phones the organization starts racking up points for or against tightening up the relationship. 
• Branding Your Bank: From Choosing a Marketing Theme to Integrating It With Operations, Your Web Site and Customer Service
  After this webinar, you'll understand the many facets of bank branding and have the insights you need it to sell the process to executives and staff at your bank. You'll also have guidelines for initiating branding for your bank or updating the brand you have long had. 
• Reaching U.S. Hispanics: Jump Start Your Efforts
  Join Heberto Gutiérrez for BOL Learning Connect's "Jump Start" webinar to get the tools you need to launch a successful Hispanic marketing program at your bank, based on a proven 8-step process.
• Implementing the New Affiliate Marketing Rules
  This two-hour program provides the information needed to build a successful program. Participants receive a detailed manual that explains all of the new provisions. 
• Overdrafts - Everything You Need to Know (for Now)
  What's the latest on overdrafts and overdraft fees? Have FDIC examiners begun citing banks for not complying with the November 2010 Final Overdraft Payment Supervisory Guidance? Have other regulators weighed in with guidance? Has the Consumer Financial Protection Bureau offered anything official or unofficial on the topic? Where do UDAP and UDAAP fit into the puzzle? Get an up-to-the-minute perspective on this controversial topic in John's informative two-hour discussion of Overdrafts-Everything You Need to Know (for Now).
   
• Mastering the Art of Cross-Selling
  In spite of regulatory change and a challenging economic environment, cross-selling must remain a priority for your bank's customer contact personnel. Keeping their cross-selling skills finely honed can be the difference between success and failure. Join Honey Shelton for this presentation and you'll learn how to implement skills, strategies and standards that will raise the bar when it comes to cross-selling outcomes.
• UDAAP: A HUGE Compliance Influence is Coming
  Can you speak "UDAAP"? Learning how to understand this new compliance language could be the most important thing you do as the new Bureau begins to flex its consumer protection muscles. The addition of "abusive" to UDAP's familiar "unfair or deceptive," together with the Bureau's broad Dodd-Frank Act mandate for action, threaten to make "UDAAP" the most significant term ever to affect bank compliance. Now is the time to start preparing and to learn what's to come. This is the webinar that will give you an understanding of the breadth of the Bureau's mandate and what it can mean to your bank now and in the future.
• Unfair, Deceptive, or Abusive Acts and Practices
  Your ads may comply with Reg DD or Z. Your loan disclosures may conform to RESPA and TILA. But you could still run afoul of UDAAP, the new "unfair, deceptive or abusive acts or practices" standard to be established by the Consumer Financial Protection Bureau in your marketing, disclosure or delivery of products and services. UDAAP threatens to be a major concern, particularly to your lending function, and you need to know what to expect. Join Jack Holzknecht for his informative webinar as he offers suggestions about what the Bureau will target under its yet-to-be-proposed regulations.
   
• CRA – New Opportunities to Improve Your Rating
  
  • In the last couple of years, regulators have added some additional opportunities for financial institutions to receive "credit" toward their CRA evaluations. This webinar will provide you with the information you need to help determine whether your institution can or should pursue any of these opportunities to help out your CRA rating.
• Mobile Banking
  Whether your institution will be in the lead or follow the pack, it will implement mobile banking to remain competitive. The rapid growth in smart phone and tablet sales virtually ensures that your institution will "go mobile" sooner or later. How far should you go? Should there be a mobile banking app for your bank? Join Paul Carrubba and Dan Fisher to explore the future of mobile banking, the risks that you must be aware of, and the concerns of both customers and regulators regarding this rapidly emerging bank service delivery channel.
• When Social Media Attacks
  If your institution has a Social Media presence or is weighing the idea, the goal is often to "get your name out there."   Has management considered that Social Media can also be used by someone with an agenda to attack your institution's reputation -- even its "bottom line"? Join Barry Thompson for his informative two-hour presentation to learn how Social Media can work either for your institution or against it, and how to remain vigilant to detect attacks before they do irreparable harm.
   
• How to Audit Advertising – Compliance Issues Everywhere!
  Marketing is a creative process. That means your bank's advertising is constantly changing, being updated and replaced. And that, of course, means that auditors and compliance officers are continually checking to ensure that creativity doesn't step outside the limits of compliance and that unauthorized, "rogue" ads don't get banks into regulatory or legal trouble. Pat Cashman's webinar will provide you the information and tools you need to keep your institution's advertising from causing exam citations and other problems.
   
• HMDA – Beyond the Input
  So much work, and what benefit do you get from it? Compiling, editing and filing your institution's HMDA LAR can seem like a thankless task if all you get is a check mark on a list of deadlines. Shouldn't all that information be worth something to the institution? If you attend this information-packed webinar by Pat Cashman, you'll learn ways your institution use your HMDA data to avoid fair lending problems, ferret out potential new business and better understand your competition's mortgage lending activity. And that's just for starters!
   
• Becoming a Dynamic Branch Manager
    Branch managers are expected to be effective leaders who can marshal their staff and guide them to make the branch meet or exceed the expectations of senior management. All this while meeting and greeting customers old and new, being involved in local civic and business affairs…the list goes on and on.  Learn how to develop a business plan for your branch, and how to help your staff members work successfully toward goals for the branch, the organization, and themselves in this high-energy presentation from Honey Shelton.

• Introduction to HSAs: The Most Important Rules
  This seminar covers the most common and important HSA issues - the fundamentals. The seminar will focus on key HSA laws and regulations, but will also cover HSA best practices and a marketplace overview. The seminar is ideal for financial institutions or individuals just getting started with HSAs.
• HSA Enrollment Season: Understanding Group HSA Issues
   This two-hour webinar is devoted to giving you the knowledge you need to offer and support an HSA program for employer groups. The presentation will focus on the special issues impacting group plans. 
• Documenting Business Deposit Accounts: Establishing Existence and Authority
  This webinar provides simple explanations regarding sole proprietorships, partnerships, corporations, and limited liability companies. The program first focuses on how they are established, why the business owners might choose one form of business organization over another and what documents the bank might reasonably require to verify a business' existence.
• Opening Fiduciary Accounts: Documenting Existence and Authority
  Oftentimes, a fiduciary such as a guardian, a custodian, an attorney-in-fact, or a personal representative is required to open bank accounts and handle funds as a part of that fiduciary relationship. This program focuses on those occasions. 
• Opening Consumer Accounts: Documenting Ownership and Authority
  This webinar provides simple explanations for individual and multi-party deposit accounts opened for personal, family and household use. It addresses responsibilities to verify the customer's identity and to obtain the correct taxpayer identification number. The program discusses multiple party accounts and survivorship provisions, but does not focus on the laws of a particular state. The program identifies applicable consumer protection laws, but does not incorporate a detailed analysis of their requirements.
   
• Opening Deposit Accounts for Foreign-Born Persons
  This Webinar focuses on opening bank deposit accounts for non U.S. persons who are individuals. Thus, the only variety of W-8 discussed is the W8-BEN and the types of documentary verification that might be acceptable are limited to those used by individuals. The program does not cover reporting on portfolio interest or loans. 
• Powers of Attorney
    Are you intimidated by powers of attorney? These documents don’t have to keep you awake nights if you understand their special terminology, what they are used for, when they can (and can’t) be used, and what you need to do to both assist your customer and protect your bank. Join Mary Beth Guard and John Burnett in this important two-hour webinar, and you’ll feel much more confident the next time someone asks you to accept a power of attorney.
• Trust Issues for New Accounts
  This Webinar will focus primarily on everthing you need to know to accommodate your customer's living trust. 
• 2011 Safe Deposit Compliance Update
  How current are your bank’s safe deposit vault procedures? Have they been reviewed and revised in light of recent regulatory or legal developments? Spend two hours with nationally-known industry expert Dave McGuinn in his 2011 Safe Deposit Update webinar, and you’ll have the information you need to ensure your procedures are current and protecting your band from avoidable losses.
• Inherited IRAs and Death Distributions
  Handling the IRA of a decedent can be a complex task. Getting it wrong can mean IRS penalties for the Administrator, and extra taxes and penalties for the decedent's heirs. In this important program focusing on administration of decedents' IRAs, Debbie Crawford will step you through the process, starting with the IRA customer's death, to setting up files for spouse and nonspouse beneficiaries, transferring the IRA assets correctly, and completing proper IRS reporting, and much more.
• Understanding Signature Cards, Resolutions and Account Agreements
• Managing and Reporting Fraud
  Fraud losses have been around since the beginning of time. The difference between now and then is that there are more ways to steal from a financial institution today. You must have a program in place to combat fraud losses. You must be proactive and not reactive, which is not to say you don’t need to react quickly when you hear of a new way money can be lost. This program is about defining your key strategies to help you detect, control and prevent fraud losses.
• Teller Compliance Issues: UCC 3 & 4, Reg CC and BSA
  How many issues can a teller have working on the frontline? Money can be lost because of bad checks, BSA violations can occur, Reg CC holds can placed or not placed in error, and there are countless others. Many of these problems will be discussed in this two hour webinar designed to make your tellers work effectively for the bank and the customer, plus you can meet BSA and Reg CC training needs. Working smarter means losing less money on checks and less time over regulatory issues. Read more of this webinar that will increase the efficiency of your frontline staff.
   
• Opening Multi-tiered Business Accounts
  Opening accounts for entities like partnerships, LLCs and corporations can be complicated, especially when the owners of the entities are other business organizations or trusts. Digging through and understanding the documentation required to open these accounts can be daunting. This two-hour webinar will help you organize that effort, understand the layers of management and ownership you may be dealing with, and get the accounts established properly for your bank.
• IRAs -- The Basics
  Whether you've just been become the IRA Coordinator at your financial institution or have been handling IRAs for a while and want a refresher on the basics of this complex service, Patrice Konarik's webinar, "IRAs--The Basic Facts," will provide the information you can use to create a sound foundation for your institution's IRA program's.
• IRA Advanced - Complicated Issues
  If you have a good grasp of IRA basics but need information on recent developments and the more complex IRA questions involving transfers, rollovers, distributions, and IRS reporting, Patrice Konarik's webinar, "IRAs--Complicated Issues," is just what you've been looking for.
• How to Audit Your IRAs, HSAs and CESAs
  If you've been given the responsibility of managing your bank's IRA, HSA and/or Coverdell Education Savings Account program, you need to know the basics of managing and auditing the portfolio of client agreements and accounts, how to properly complete the related paperwork and reporting and how to correct errors that can and will occur. Get the information you need to get the job done in this information-packed two-hour webinar. 
• 10 Compliance Hotspots for Opening Deposit Accounts
  Opening deposit accounts correctly means much more than running through a checklist to ensure you've handed out the right disclosure documents. How well your bank manages the account-opening process can greatly affect not only your compliance with regulations, but also your bank's exposure to fraud and avoidable lawsuits. Get the information you need to ensure your bank has the right policies and procedures for new accounts in this information-packed two-hour webinar from Deborah Crawford.
• Moving and Changing IRAs: Rollover, Transfer, Recharacterization and Conversion
  Tax Code and regulatory changes have made many more types of transfers, rollovers and others movements of funds permissible between company retirement plans and individual retirement arrangements and even HSAs, and understanding all the technical requirements for these movements of funds has become much more of a challenge. If your institution doesn't follow the complex rules correctly, your customers can suffer financial penalties, and you know they will expect the institution to pay. Join Deborah Crawford for this presentation and you'll have the information you need to get it done right, the first time, everytime. 
• Elder Fraud: The Baby Boomers' Nightmare
  The threat of elder financial abuse is guaranteed to present a fast-growing threat to your institution and its valued customers as baby boomers age. There has never been such a huge growth market for swindlers and other con artists to tap, and many of your best-educated and most valuable customers will be targeted. Find out why they are such attractive targets, how to detect the symptoms of elder abuse when your customers are victimized, and what steps your staff can and should take when elder abuse is suspected in this important new webinar presented by Barry Thompson and Arvin Clar.
   

• OFAC in 2011- Handling the Hits!
  Managing your bank's OFAC compliance program can't be a "write it once and forget it" event. It has to be kept current and responsive to the ever-changing developments in the OFAC compliance environment. There are new sanctions programs, updated licenses and hundreds of updates to the overall SDN listing. The changing realities of political and international influences on OFAC policy require that you keep your program adaptive and effective. Tim White's presentation will give you the latest information and show you how to help keep your institution out of trouble with OFAC and examiners alike.
   
• OFAC Compliance
  This fast-paced Webinar offers practical suggestions about precisely what you need to do to avoid compliance violations and costly fines. 
• OFAC: What You Should Be Doing
  Whether you are a seasoned compliance or audit professional, a supervisor in the New Accounts or Loan department or an employee who has to face a customer and explain why these rules apply, this webinar will be of interest to you. Ensure that the OFAC portion of your BSA program is what it needs to be, from beginning to end. 
  
   
• Updating Your BSA/AML/OFAC Risk Assessment
  Nestled among many, many requests for documents in your next BSA/AML pre-examination questionnaire you will still find: "Make available copies of management's BSA/AML risk assessment of products, services, customers, and geographic locations."
  
  The "given" is that the risk assessment you provided in anticipation of your last examination will not work for this examination.
  
  One of the bad things about "risk" is that it continues to evolve. So, risk assessments must be continuously updated.
  
  This webinar is about looking at what you have done in the past and searching for ways to make improvements. Get your planning committee together to listen in - we're about to save you a lot of time and make you a lot more confident of your efforts.
  
   
• Annual Operations Compliance Recap
    The Dodd-Frank Act isn't just about lending reforms. There is plenty of potential in its hundreds of pages for changes that affect bank operations, too. The fledgling Bureau of Consumer Financial Protection will soon begin weighing in with consumer-oriented rules that will have an impact on your operations as well. But before dealing with what is on the compliance horizon, you need to ensure you've taken care of what's happened in the past year. We'll recap all the major developments so you can put them on your list of completed tasks or add them to your "catch up" list for immediate attention.

• Bank Operations -- Going Paperless
  This webinar, presented by Paul Carrubba and Dan Fisher, will explain the risks to be addressed in customer and vendor contracts, along with the items that will likely be subject to regulatory scrutiny. You'll also get information you will need to create the appropriate strategy for your institution to use in making its journey toward paperless payment processing successful and rewarding. Paul and Dan will suggest ways to review available technology that can fit into either a branch or remote capture environment, determine the optimal route (image or ACH) for transactions, and address automation of the payments process. 
• Accounts for Minors
  Participants in this two-hour webinar will come away with all the important issues covered - the types of account ownership available, the significance of setting accounts up under the Uniform Transfers to Minors Act, who controls each type of account, what minors' accounts are typically used for, and how they're sometimes abused. Mary Beth Guard and John Burnett will equip you with the information you need to style accounts correctly, obtain data required for CIP purposes, and deal with a variety of common scenarios that often arise with minors' accounts. 
• A - Z of Reg E
  While you have been working on lending and other Dodd-Frank issues, Reg E changed. Between opt-in rules impacting when you can charge an NSF fee to new gift card rules, you have to keep up. And Reg E was confusing enough to start with.
  
  If 67 million Americans have used a debit card for a purchase of less than $5 in the last month, you may well have a claim pending for an insignificant sum. Do you have to investigate claims? Is there a cost effective way to handle small claims? Can you lose money handling small claims the same way you handle large ones? Is there more to Reg. E than claims? Yes, yes, yes. We'll answer these questions in detail and dispel many of the urban myths that prevail in the world of Reg. E. Do I have to investigate a claim made more than 60 days after the debit or statement? Can I deny the claim because they refuse to file a police report? Am I compliant if I require a written claim, because my processor requires it? Tune in if these issues are not clear to you.
  
   
• Introduction to HSAs: The Most Important Rules
  This seminar covers the most common and important HSA issues - the fundamentals. The seminar will focus on key HSA laws and regulations, but will also cover HSA best practices and a marketplace overview. The seminar is ideal for financial institutions or individuals just getting started with HSAs.
• HSA Enrollment Season: Understanding Group HSA Issues
   This two-hour webinar is devoted to giving you the knowledge you need to offer and support an HSA program for employer groups. The presentation will focus on the special issues impacting group plans. 
• Blocking Internet Gambling Transactions: Are You Ready?
  If you missed the October offering of this important presentation, we've scheduled a second live session as the compliance deadline rapidly approaches! Regulation GG has been issued and it's not going away. It became effective in January, and you only have until December 1, 2009 to make the changes necessary for compliance. In this webinar, you will get the information you will need as you draft your policies and procedures to block payments to illegal Internet gambling operations
• Reg E Claims - Approvals and Denials
  In this information-packed webinar, you and your staff members will see Andy demonstrate a free program that can help your bank both investigate Reg E claims and manage/audit them for compliance. He'll discuss the four time periods available to you in the investigatory process and how to determine which applies to each claim (as well as which time period was actually followed). 
• Making Sense of the ACH Rules
  This webinar gives you the information you need to understand the rules that apply to ACH entries.
• Annual Operations Compliance Recap
    The Dodd-Frank Act isn't just about lending reforms. There is plenty of potential in its hundreds of pages for changes that affect bank operations, too. The fledgling Bureau of Consumer Financial Protection will soon begin weighing in with consumer-oriented rules that will have an impact on your operations as well. But before dealing with what is on the compliance horizon, you need to ensure you've taken care of what's happened in the past year. We'll recap all the major developments so you can put them on your list of completed tasks or add them to your "catch up" list for immediate attention.
• Account Restrictions: Ownership, Transactions and Interest
  Join John for the facts on defining savings accounts and required monitoring procedures you must have in place. He'll discuss the nuances of NOW account ownership, regardless of what you call your product and you'll learn why an interest bearing checking account, isn't really a checking account.
• Refining Records Management and Retention
  Retention and management of records is more complicated than just deciding what to keep and for how long. In what form should records be kept? Should we keep more than what the regulations require? If so, what? What about possible litigation needs? Examiner expectations must be met, of course, but other parties, such as law enforcement, auditors, and of course your customers, to name just a few, may require access to information, as well. 
• A - Z of Web Site Auditing
  Manage your website's compliance with confidence. Know that change management has been incorporated into your culture, and that your site provides a reliable and safe place for customers to get information on your institution and lead them to online transactions, with the satisfaction that you are doing "it" right. Yes, even the simplest of web pages can violate the law and page counters can tell your regulator how many times this violation has been seen. Just because you saw it on a big bank's site doesn't mean it is OK for you to do. You must understand the risks and the rules. 
• Escrow Rules Review and Update
  The escrow rules have changed and they’re about to change again! Significant new escrow requirements were added to Regulation Z in April 2010 and updated in April 2011. More changes have already been proposed to implement requirements imposed by the Dodd-Frank Act. It’s time to make sure you’ve got it all under control so that your institution can avoid significant penalties for non-compliance.  
• RDC, ACH and Electronic Banking Risk Management
  This program will provide the participant with a better understanding of the FFIEC BSA/AML examination manual and the Retail Payments exam handbook as they pertain to ACH, Electronic Banking, and RDC based technologies.
   
• RDC Risk Management and FFIEC Compliance: It is harder than you think!
  The FFIEC has impacted check image processing by expanding the definition of Remote Deposit Capture to include any form of deposit document imaging. Institutions must now include all technologies in their compliance program that scan and digitize deposit documents as part of their FFIEC Risk Management of Remote Deposit. It is more than commercial customers!
   
• Overdrafts - Everything You Need to Know (for Now)
  What's the latest on overdrafts and overdraft fees? Have FDIC examiners begun citing banks for not complying with the November 2010 Final Overdraft Payment Supervisory Guidance? Have other regulators weighed in with guidance? Has the Consumer Financial Protection Bureau offered anything official or unofficial on the topic? Where do UDAP and UDAAP fit into the puzzle? Get an up-to-the-minute perspective on this controversial topic in John's informative two-hour discussion of Overdrafts-Everything You Need to Know (for Now).
   
• Auditing Escrows
   Change is moving at a fast pace and there is a lot to keep up with. That includes escrow accounts. We've heard of some lenders who said they would stop offering certain products because the escrow rules were too much of a burden. We think that is a drastic step. In this webinar you'll learn what the escrow requirements are and how to deal with them. From an auditor's perspective you'll learn what is required and when. This knowledge can be used in establishing these accounts as well, so lenders, loan administrators and auditors will all benefit from listening. We'll provide you with checklists and tools needed to ensure compliance.
   
• Regulation CC-The Fed's Proposed Makeover
  You've asked when the Fed would implement the Dodd-Frank Act's $200 next-day rule in Regulation CC, and whether the references to "nonlocal" checks would be removed from the rule anytime soon. Many banks have struggled with making their disclosure documents current. The Fed has proposed amendments to take care of all those concerns, and much more. The Fed's proposal would also add inducements to convince banks that haven't yet done so to accept electronic return items, and shorten exception holds on deposited checks. This webinar will cover all the significant proposed changes, and inform you about matters on which the Fed has specifically asked for comment.
• 2011 Fair Lending Review and Update
  There are lots of lending compliance challenges today, but you can't afford to push Fair Lending to the bottom of your compliance list. New exam procedures, increased focus by the Department of Justice, changes mandated by the Dodd-Frank Act and concerns about Fair Lending in workouts and foreclosures all add up to keep Fair Lending at the center of regulatory scrutiny. This information-packed two-hour webinar will convince you of the ongoing importance of Fair Lending compliance to your institution, and give you the information you need to help avoid violations and DOJ referrals.
• Clarifying the Credit CARD Act Rules - Reg Z Changes Again October 1
  If you thought you had all of the Regulation Z changes brought about by the Credit CARD Act of 2009 under control, think again. The Fed has issued yet another set of changes affecting applications, disclosures, advertising and more that will affect all issuers of credit cards by October 1, 2011. To be sure you understand all of these changes and get them implemented on time, join Jack Holzknecht and John Burnett in their detailed analysis of the changes and what they mean to credit card issuers.
• Fair Credit Reporting Act: Revised Examination Procedures
  The last of the major FACT Act changes to the Fair Credit Reporting Act have been finalized and the updated exam procedures have been finalized. Find out what the changes are and how the agencies' exam procedures can help you craft an effective audit program.
• Debit Cards – Your Error Resolution Problems Solved
  The most frequent questions we are asked pertaining to debit cards, branded or not, deal with claims. What has to be paid, when, and how is a decision on the claim to be made? When are you allowed to send a customer back to a merchant, what can you require from your customer, under which set of rules? And what if you settled the claim, but the merchant later comes back and says it was a valid charge and they're taking back the money you already paid to the customer?   From errors to claims, to the investigation and resolution, we'll cover it all with examples and your questions.
• Inherited IRAs and Death Distributions
  Handling the IRA of a decedent can be a complex task. Getting it wrong can mean IRS penalties for the Administrator, and extra taxes and penalties for the decedent's heirs. In this important program focusing on administration of decedents' IRAs, Debbie Crawford will step you through the process, starting with the IRA customer's death, to setting up files for spouse and nonspouse beneficiaries, transferring the IRA assets correctly, and completing proper IRS reporting, and much more.
• How to Properly Handle Adverse Action
  Does your lending staff understand and follow the Regulation B adverse action notice requirements for consumer and business applicants? Are adverse action notices properly completed and delivered to consumers under the Fair Credit Reporting Act?
  
  Violations of either of those important requirements can land your institution in hot water and result in hundreds of hours of extra effort, not to mention negative public relations and civil penalties.
   
• Understanding Signature Cards, Resolutions and Account Agreements
• Common Compliance Violations
  With all that is changing in the world of banking regulation, you need every edge you can get. One way to help prioritize your compliance efforts is to know the types of violations that regulators are regularly citing at other institutions, and what's likely to cause problems in the new rules being issued. Mary Beth Guard and Carl Pry will help you learn from others' mistakes in this information-packed two-hour webinar.
   
• Customer Authentication: The Bar has been Raised
  Corporate account takeovers have been in the news lately, and courts have come down on both sides -- the customer's and the bank's -- when banks' security efforts on their customers' behalf have been called into question. The FFIEC just raised the bar on regulatory expectations regarding customer authentication, and banks need to start pondering their next move to tighten security over the online systems that they and their customers use. Find out what the FFIEC now expects banks to do in their battle to protect customer and bank assets as Jeff Patterson and Susan Orr offer their two-hour presentation, "Customer Authentication: A Higher Standard."
• Issues with Deceased Customers
  In this program, we examine how a customer's death impacts deposit accounts, CDs and safe deposit boxes. 
• Consumer and Small Business RDC Mobile Capture . . . Deposits on the Move!
  If your financial institution is about to offer or considering extended remote deposit capture for small businesses and consumers, you need to be aware of the unique added risks involved in that market. Regulators will expect you to have completed a thorough risk analysis and prepared a risk mitigation program for the expanded client base. This webinar will review the risks that consumers and small businesses present, and provide the information you need to ensure you'll be able to analyze and manage the risks to protect your institution.
   
• Developing Written Procedures for Handling Third Party Claims for Customer Funds and Information
  All banks handle third party claims for customer information and funds. In hard times, the increased number of claims on funds represents a growing line of business. Unfortunately, that line of business both unprofitable and risk intensive. Nevertheless, many banks have not reduced their processes to writing and take substantial risks when their processes vary on a case by case basis. This webinar will help attendees to develop an identifiable process. It builds on the idea of establishing a legal process log for tracking all of these claims. It incorporates "step-action" tables that show how both financial and informational claims would work their way through the institution. The mechanism illustrated is intended to establish both a paper trail and timelines for how any claim was handled.
• Teller Compliance Issues: UCC 3 & 4, Reg CC and BSA
  How many issues can a teller have working on the frontline? Money can be lost because of bad checks, BSA violations can occur, Reg CC holds can placed or not placed in error, and there are countless others. Many of these problems will be discussed in this two hour webinar designed to make your tellers work effectively for the bank and the customer, plus you can meet BSA and Reg CC training needs. Working smarter means losing less money on checks and less time over regulatory issues. Read more of this webinar that will increase the efficiency of your frontline staff.
   
• VISA Debit Card Error Resolution: Do we always lose?
  As consumer friendly as Regulation E and VISA Zero Liability are, it often seems that the chips are stacked against the card issuer. As soon as the cardholder cries, "Fraud!" many institutions are already writing off a loss. In this comprehensive program, we will examine the chargeback process step by step to uncover what rights the institution has when faced with a cardholder's claim. From frontline staff who need to know what information to obtain from the cardholder when a dispute is filed, to the processing team who can protect the institution's rights by filing the correct chargeback code, this program will benefit all who are involved in the process.
• MasterCard Debit Card Error Resolution: Do we always lose?
  As consumer friendly as Regulation E and MasterCard Zero Liability are, it often seems the card issuer absorbs the loss in most cases. As soon as the cardholder cries, "Fraud!" many institutions are already writing off the dispute. In this comprehensive program, we will examine the chargeback process step by step to uncover what rights the institution has when faced with a cardholder's claim. This webinar will help frontline staff who need to know what information to obtain from the cardholder when a dispute is filed, as well as the processing team who can protect the institution's rights by filing the correct chargeback codes. Anyone involved in the process of handling MasterCard debit card error resolution claims can benefit.
• Opening Multi-tiered Business Accounts
  Opening accounts for entities like partnerships, LLCs and corporations can be complicated, especially when the owners of the entities are other business organizations or trusts. Digging through and understanding the documentation required to open these accounts can be daunting. This two-hour webinar will help you organize that effort, understand the layers of management and ownership you may be dealing with, and get the accounts established properly for your bank.
• IRAs -- The Basics
  Whether you've just been become the IRA Coordinator at your financial institution or have been handling IRAs for a while and want a refresher on the basics of this complex service, Patrice Konarik's webinar, "IRAs--The Basic Facts," will provide the information you can use to create a sound foundation for your institution's IRA program's.
• IRA Advanced - Complicated Issues
  If you have a good grasp of IRA basics but need information on recent developments and the more complex IRA questions involving transfers, rollovers, distributions, and IRS reporting, Patrice Konarik's webinar, "IRAs--Complicated Issues," is just what you've been looking for.
• Safe Deposit Past Due Boxes and Unclaimed Property
  If your bank rents safe deposit boxes, it has some that are past due, some that have to be drilled and, sometimes, contents removed from drilled boxes that have to be stored safely until claimed or transferred to the state's unclaimed property division. Knowing the right way to manage these everyday safe deposit challenges can protect your bank from huge potential lawsuits and losses. Learn the correct way from nationally known safe deposit industry expert David McGuinn in this information-packed webinar. 
• 10 Compliance Hotspots for Opening Deposit Accounts
  Opening deposit accounts correctly means much more than running through a checklist to ensure you've handed out the right disclosure documents. How well your bank manages the account-opening process can greatly affect not only your compliance with regulations, but also your bank's exposure to fraud and avoidable lawsuits. Get the information you need to ensure your bank has the right policies and procedures for new accounts in this information-packed two-hour webinar from Deborah Crawford.
• Stop Payments
   You cannot afford confusion among your staff about stop payment orders. Knowing which items can and cannot be stopped is critical. You also need to know whether a customer’s stop order is timely, or too late. Join John Burnett for his Stop Payment webinar, and get the answers. Learn whether the bank is “stuck” if a stopped ACH item is paid, whether to accept a stop payment on a cashier’s check, and much more

• Auditing Deposit Products
  You must know that your compliance program for deposit products is up to par and specifically that you test for compliance. You have to know that you complete a statistically sound sampling, encompass everything which needs to be reviewed on a risk management basis and that tweaks are made to processes and procedures to avoid problems.
• Bank Operations -- Going Paperless
  This webinar, presented by Paul Carrubba and Dan Fisher, will explain the risks to be addressed in customer and vendor contracts, along with the items that will likely be subject to regulatory scrutiny. You'll also get information you will need to create the appropriate strategy for your institution to use in making its journey toward paperless payment processing successful and rewarding. Paul and Dan will suggest ways to review available technology that can fit into either a branch or remote capture environment, determine the optimal route (image or ACH) for transactions, and address automation of the payments process. 
• How Will Your Remote Deposit Capture Program Stand up to Examiner Scrutiny?
  Whether you have already rolled out a RDC program or are just in the process, this program is for you. Make sure you have the appropriate policies, procedures, and processes in place to meet examination expectations. Be ready for the questions that will be asked. 
• Introduction to HSAs: The Most Important Rules
  This seminar covers the most common and important HSA issues - the fundamentals. The seminar will focus on key HSA laws and regulations, but will also cover HSA best practices and a marketplace overview. The seminar is ideal for financial institutions or individuals just getting started with HSAs.
• HSA Enrollment Season: Understanding Group HSA Issues
   This two-hour webinar is devoted to giving you the knowledge you need to offer and support an HSA program for employer groups. The presentation will focus on the special issues impacting group plans. 
• HSA Fall Update: HSAs for Employer Groups
  This webinar will focus HSAs for employer groups. For many financial institutions, opening HSAs for groups is the key to a successful HSA program. The custodian gets more HSAs quickly and serves a business customer in a highly visible manner. Opening HSAs for groups; however, is not the same as just opening a bunch of individual HSAs at the same time. This seminar will cover the differences. 
• HSA Tax Reporting/Tax Filing
  This webinar is devoted to giving you the knowledge you need to support your HSA program with confidence in 2009. The webinar will cover the most important HSA questions your customers will ask you in 2009 with a focus on new and confusing issues. 
• Issues with Deceased Customers
  In this program, we examine how a customer's death impacts deposit accounts, CDs and safe deposit boxes. 
• Remote Deposit Capture -- Beyond the FFIEC Guidance
  This webinar with Susan Orr will delve into what the guidance didn't tell you. We will get into the specifics of implementing your RDC program and what you should be doing to meet regulatory expectations and industry best practices. Susan will cover things you should have weighed or should be considering relating to management, mitigating risks, measuring and monitoring, and training. She'll show you some sample forms and tell you where you can find templates you can customize for your institution. 
• Remote Deposit Capture - Check Images or ACH?
  This session will examine the legal issues surrounding the method selected for processing the item
• 2009 FFIEC GUIDANCE: Remote Deposit Capture and Risk
  This guidance covers the consideration of a strategic plan in regard to the product offering and is clear about the role of a risk assessment as part of the process. Also covered are the policies and procedures as they pertain to your institution, customers, transactions, operations and training that are recommended for inclusion in the overall RDC offering. Fraud and suggested controls to identify the type of fraud, mitigate the exposure and respond to fraud event are also reviewed.
• Remote Deposit Capture - New Frontiers
  In this program we will explore the world of remote deposit capture, some of the threats and risks to think about, controls to mitigate, and where remote deposit capture may just be headed. 
• Remote Deposit Capture - Preparing for an Exam
  Paul Carrubba and Dan Fisher will provide you with a blueprint on how to devise a successful exam and compliance strategy for remote deposit capture and your organization. 
• Stop Payments
   You cannot afford confusion among your staff about stop payment orders. Knowing which items can and cannot be stopped is critical. You also need to know whether a customer’s stop order is timely, or too late. Join John Burnett for his Stop Payment webinar, and get the answers. Learn whether the bank is “stuck” if a stopped ACH item is paid, whether to accept a stop payment on a cashier’s check, and much more
• Vendor Due Diligence
   In this webinar we'll review practical cases, planning expectations, selection of a vendor, monitoring your program and the need for documentation. 
• Dodd-Frank: What Will the Financial Impact Be to Your Bank?
  This CD ROM will be available after April 15, 2011.
  You already know that the Dodd-Frank Act includes huge changes that will affect every bank's operations, lending, compliance and other units. But have you identified and put a dollar figure on the changes that will adversely hit your bank's bottom line? The "Transfer Date" looms large, only a few months away, and many of the Dodd-Frank provisions will start to "kick in." Have you made the right allowances for those changes in your 2011 (and beyond) budget? This two-hour webinar can help you avoid surprises by digging into Dodd-Frank to unearth its hidden budget challenges.
• Annual Lending Compliance Recap
    The Dodd-Frank Act is changing the world of compliance and while the CFPB hasn't implemented all these changes yet, there are changes and you can't miss any of them.  This program is a fast-paced review of the highlights of all the developments in lending compliance in the past twelve months so you can be sure you've caught them all. Review what was to be done and how you have implemented these and do it before the CFPB starts a new round of massive changes.

• Auditing: BSA/AML/CIP
  Whether you are an internal auditor or an outsource vendor, this program will help you to identify deviations from laws, regulations and the institution's policies, document your procedures, and report the findings to management.
• New Privacy Notices: Your Last Minute Guide
  In this program, we'll go through the new model form line by line so that you'll understand what you can and cannot change and how to customize it for your institution's use. We'll sort out the effective date issues, and help you determine what your timing should be for deploying the new form. 
• Subpoenas, Summonses and Search Warrants
  This training will help you be able to efficiently and competently handle summonses, subpoenas, and search warrants by teaching you what you need to know about which law applies. When the request is from a federal governmental authority, this webinar will also provide you with specific information about what that law requires. The webinar will provide an overview of the privacy laws and how they apply to information requests. 
• Keeping Bank Secrets: Things You Can Go to Jail for Telling
  There are certain documents within a bank that are considered to confidential that criminal prosecution can result from their disclosure. Suspicious Activity Reports are an obvious example, but federal grand jury subpoenas, 314(a) requests, some search warrants - are examples of others cloaked in secrecy backed up by the threat of jail time. This webinar covers what every financial institution employee and director must know about keeping bank secrets.
   
• IT Regulatory Issues - What's on the Radar for 2011 Examinations
  What do you know about the opportunities and risks for your bank from social networking, cloud computing and unified communications? You can be sure that regulators are giving each of these areas increased attention as risks become better understood and examiners gain experience with banks deploying newer technologies. Help keep your bank informed on what to expect from regulators by attending this important presentation by Susan Orr.
   

• Adapting to Reg Z Reform - Understanding MDIA, HPMLs and More
  This webinar will provide high level insight into the Mortgage Disclosure Improvement Act (effective July 30, 2009) and the High Priced Mortgage Loan and other closed end mortgage loan requirements (effective October 1, 2009). 
• Analyzing HMDA Data
  This two-hour program provides the tools needed to analyze HMDA data, including the 2008 data that will be made available to the public in September 2009 and the tools to analyze data that is being collected during 2009 and will be available during 2010.
• Applicants and Applications - Knowing the Players and the Rules
  Join BOL Guru David Dickinson to learn the rules of loan applications. Although we use the term "basic" when describing the information to be presented within this webinar there really isn't anything "basic" about it. The term "application" is something many of us think we understand; however, there are many misconceptions and often this is an area where we really don't quite understand as well as we should.
• Appraisal Review - Saving Time and Costs
  This webinar is designed to help non-appraisers understand appraisals and discover the most likely and obvious issues within a report (commercial or residential).
• Appraisal Standards: What's A Bank to Do?
  This Webinar will discuss what banks should be doing to help avoid the pitfalls. Banks don't hold the cure for faulty appraisals, but there are steps to be taken. Regulators will be asking your bank about your appraisal standards program, if they haven't already. 
• Appraisals: What You Need to Know NOW!
  Learn what examiners are going to ask you about the appraisals and appraisal process used in your bank. 
• Appraisal Process – New Requirements
  If you and your lending staff work with real estate appraisals, you won't recognize the new regulatory landscape. Almost everything you've done in the past has to change, and many of the changes are already in effect, with more to come in May. Learn about new limitations, new forms, and new communications methods that affect your relationships with appraisers, mortgage brokers, even with FNMA and FHLMC, in this critically important two-hour webinar. 
• Complying with the S.A.F.E. Act: New Final Rules
  There is a great deal of work to be done before registration begins. In this webinar, Jack and Mary Beth will familiarize you with the specifics of the S.A.F.E. Act and the steps you must start taking to ensure you will be in compliance.
• Dealing with Distressed Borrowers & Avoiding Foreclosure
  This webinar deals with all the issues to consider when contemplating modifying loans, including what exactly you might do, government programs, and the compliance implications involved. Fair lending is a big focus here; you have to make sure that whatever you decide to do, you do it in a fair and equitable manner. Count on the fact that examiners will ask you about how you deal with distressed loans and borrowers.
• HMDA - Preparing for the March 1, 2011 Data Submission
  This CD ROM will be available after February 22, 2011.
  All HMDA-reporting financial institutions must submit 2010 HMDA data to their regulator by March 1, 2011. This program prepares you for that task.
• Compliance for Commercial Lenders
  This two-hour program identifies the regulations that apply to commercial transactions and explains the specific requirements of each regulation that affects the commercial lending area. 
• Flood Insurance Coverage Issues
  This two-hour seminar covers all of the rules regarding flood insurance coverage. To gain a better understanding of the ramifications of an incomplete understanding of this material, visit the following website.
• Flood Insurance Frequently Asked Questions
  The program provides a thorough review of the Flood Disaster Protection Act and the flood regulations. Participants receive a detailed manual that serves as a handbook long after the program is completed. 
• Flood Insurance: Requirements and Best Practices, Part 1
  Part 1 of a two-part series dedicated to providing an in-depth look at the flood insurance requirements for your financial institution. 
• Flood Insurance: Requirements and Best Practices, Part 2
  Part 2 of a two-part series dedicated to providing an in-depth look at the flood insurance requirements for your financial institution. 
• HMDA: Soup to Nuts
  This webinar is designed to help all lending personnel understand the what, why, how, and when of HMDA. This webinar covers HMDA from "soup to nuts," but breaks the regulation down into manageable bite-sized chunks. 
• Mortgage Loan Scams - When Real Estate Isn't Real
  Let the nation’s top real estate and mortgage fraud expert demonstrate the most common frauds on applications, purchase and sales agreements, and appraisals. Real estate insider Richard Hagar will even show you the top five methods used by borrowers for faking a down payment.
• New Early Truth in Lending Disclosure Rules
  This two-hour webinar covers the revisions to the early TIL disclosure requirements and the revisions to the revisions. 
• Regulation Z - Section 32 Mortgages
  This two-hour program explains how to identify transactions covered by Section 32 of Regulation Z, what disclosures are needed and when, and special restrictions on the contract and on the creditor. The program explains the rules, reviews typical problems that occur, and provides steps to ensure ongoing compliance. 
• Regulation Z Proposed Rules for Home-Secured Credit
  These proposed changes will have significant impact on all mortgage lenders for years to come. Every company that engages in mortgage lending must be aware of the proposed changes and should participate in the debate about the future of the business. 
   
• Reg Z Roundup - Guide to the October 1st Changes
  This program is designed to explain the extensive list of new limitations and new prohibited acts and practices. Program participants receive a detailed manual that provides a thorough explanation of the new rules. 
• Understanding Appraisal Management Companies and Other Third Party Relationahips
   In this webinar, industry expert Richard Hagar will help you sort out what an AMC can do for you and what it cannot do, so that your bank can make a responsible, informed decision about appraisal management. 
• Understanding Commercial Real Estate Appraisals: Reviewing the Appraisal
  Join Richard Hagar in his information packed two hour webinar on Understanding Commercial Real Estate Appraisals to get the information you need to manage commercial appraisals in your institution. 
• Understanding the Newly Rleased Flood Insurance Q&As (9/2009)
  The webinar thoroughly covered the finalized questions and answers as well as the five proposed questions. Suggestions on how to write a comment letter were also provided. The finalized Q & A became effective September 21, 2009. 
• When and How to Collect Monitoring Information
  This two-hour program reviews each of the different federal regulations that require the collection of monitoring information. 
• Escrow Rules Review and Update
  The escrow rules have changed and they’re about to change again! Significant new escrow requirements were added to Regulation Z in April 2010 and updated in April 2011. More changes have already been proposed to implement requirements imposed by the Dodd-Frank Act. It’s time to make sure you’ve got it all under control so that your institution can avoid significant penalties for non-compliance.  
• Annual Lending Compliance Recap
    The Dodd-Frank Act is changing the world of compliance and while the CFPB hasn't implemented all these changes yet, there are changes and you can't miss any of them.  This program is a fast-paced review of the highlights of all the developments in lending compliance in the past twelve months so you can be sure you've caught them all. Review what was to be done and how you have implemented these and do it before the CFPB starts a new round of massive changes.
• Fannie Mae and Freddie Mac's Appraisal Requirements
  What Fannie Mae and Freddie Mac demand in an appraisal.
  Do you want to sell loans to FannieMae? An institution's appraisal process, the appraisal, type of form and the appraiser all impact your institution's ability to sell to FNMA. FNMA has a list of 20 unacceptable appraisal practices. If an appraisal contains, or was created using, these unacceptable practices, FNMA won't buy the loan. This class will outline and explain the issues.
• Mandatory Reporting of Appraisal Violations
  Did you know your institution could be fined $20,000 a day for failing to report certain violations of appraisal independence laws and regulations? Recent law changes have made optional reporting mandatory, and failing to file a report could be costly! Join Richard Hagar for this important 2-hour presentation to learn which violations must be reported, how to recognize them, and where and how to report, to help your institution avoid these onerous penalties.
   
• New Age of Mortgage Lending: Dramatic Changes from Dodd-Frank
  This CD ROM will be available after February 8, 2011. The Dodd-Frank Act contains many game-changers affecting almost every aspect of banking, but perhaps no area will be as greatly impacted as mortgage lending. The many statutory and coming regulatory amendments will cause many lenders to question whether they should stay in the mortgage business, or if they do, to what extent. This is more than a compliance event: it is a larger, business-related decision, since the changes go far beyond just new disclosures.
   
• GFE and HUD-1 One Year Review
  This CD ROM will be available after January 18, 2011.
  The January 1, 2010 revisions to RESPA resulted in huge changes to the  Good Faith Estimate (GFE) and the HUD-1/A settlement statements. Since then HUD has revised the Frequently Asked Questions (FAQs) and created the RESPA Roundup. This program reviews the forms, the instructions for completing the forms, the FAQs related to the forms, the RESPA Roundup, and common form completion issues.
• SAFE Act Implementation Issues: A Practical Guide
  A "How To" session to help institutions and loan originators prepare for implementation. This webinar will help you formulate a workable process to ensure that all will be ready when the Registry is activated in early 2011.
• Regulation Z: New, Interim and Proposed Rules
  The changes to Regulation Z continue to flow.  This program provides the information needed to implement the latest round of new rules.
  
  Upon completion of the program participants will understand all of the new, interim and proposed rules recently published by the Federal Reserve Board.
• Regulation Z Rules -- January 2011
  For the past few years massive changes to Regulation Z (Truth in Lending) have been unfolding, but even more significant changes are ahead of us. This webinar reviews two new rules that are effective in January 2011. One rule will have a major impact on the content of your "Fed Box" disclosure for mortgage loans. The other change is not likely to have a major impact on your operations, but you need to be aware of the new requirement. THIS CD-ROM WILL BE AVAILABLE AFTER JANUARY 28, 2011
• Appraisals and AMCs: The Dodd-Frank Act Creates a New Compliance Reality
  This CD ROM will be available after Febuary 6, 2011.
  
  Here we go again. New laws will impact appraising and the use of appraisal management companies (AMCs).
  
  No sooner had we finished our last Webinar on the appraisal topic, than a new series of laws and regulations washed over us. The Dodd-Frank Act places tougher restrictions on appraisers and the people who interact with them, and mandates the licensing of AMCs. These new requirements will cause a second wave of fundamental changes to AMCs and the appraisal ordering system.
• Auditing Escrows
   Change is moving at a fast pace and there is a lot to keep up with. That includes escrow accounts. We've heard of some lenders who said they would stop offering certain products because the escrow rules were too much of a burden. We think that is a drastic step. In this webinar you'll learn what the escrow requirements are and how to deal with them. From an auditor's perspective you'll learn what is required and when. This knowledge can be used in establishing these accounts as well, so lenders, loan administrators and auditors will all benefit from listening. We'll provide you with checklists and tools needed to ensure compliance.
   
• 2011 Fair Lending Review and Update
  There are lots of lending compliance challenges today, but you can't afford to push Fair Lending to the bottom of your compliance list. New exam procedures, increased focus by the Department of Justice, changes mandated by the Dodd-Frank Act and concerns about Fair Lending in workouts and foreclosures all add up to keep Fair Lending at the center of regulatory scrutiny. This information-packed two-hour webinar will convince you of the ongoing importance of Fair Lending compliance to your institution, and give you the information you need to help avoid violations and DOJ referrals.
• New Appraisal Requirements from the 3-Headed Monster: New Interagency Guidelines, New Reg. Z Rules, and Dodd-Frank
  The real estate appraisal process has been under attack from all sides. The Interagency Guidelines have been updated, Regulation Z has been amended, and there is more change to come from the Dodd-Frank Act. Wrapping your arms around all of these changes is a huge compliance challenge, but one you can manage better with the help of Carl Pry’s comprehensive presentation on all of the new appraisal requirements.
• The SAFE Act - Exactly How Does the Registration Process Work?
  The registration of your institution and Mortgage Loan Originators under the requirements of the SAFE Act regulations has to be completed by July 29. If you haven't started the registration process, or if you've run into roadblocks, Carl Pry's webinar on SAFE Act registration will provide a roadmap you can use to find your way through the multi-step journey.
   
• How to Audit for S.A.F.E. Act Compliance
  Agency regulations for SAFE Act compliance all require annual independent testing for compliance by either bank personnel or third parties. The regulations were effective on October 1, 2010, and the initial registration period will end on July 29, 2011. You should be planning now for annual audits to ensure that your institution is in compliance. Patricia Cashman's two-hour webinar will provide you with the information you need to form your SAFE Act compliance audit plans.
• Fair Credit Reporting Act: Revised Examination Procedures
  The last of the major FACT Act changes to the Fair Credit Reporting Act have been finalized and the updated exam procedures have been finalized. Find out what the changes are and how the agencies' exam procedures can help you craft an effective audit program.
• The Consumer Financial Protection Bureau (CFPB) is About to Take Control:
  With July 21 fast approaching, bankers across the country are still wondering what to expect as the CFPB or Bureau assumes control of consumer protection regulations. No one truly expects an immediate avalanche of new regulations, but what can the industry expect? What new rules will be effective on July 21, and which are most likely to come soon afterward? In short, what are bankers in for under the new regulatory regime? The clouds are beginning to clear in the crystal ball, and Carl Pry’s informative webinar will help you begin to make sense of the uncertainties looming there.
• RESPA Update
  If you think that RESPA compliance is a moving target, you’re right. HUD continues to issue interpretations of its regulation via an evolving FAQ (through April 2010) and issues of “RESPA Roundup.” Examiners, like lenders, are still making adjustments.  Through his many contacts, David Dickinson has kept current with the latest changes to the RESPA compliance landscape. In his two-hour BOL Learning Connect RESPA Update webinar, David will walk you through the Good Faith Estimate and Settlement Statement to provide the information you need to ensure your RESPA compliance procedures are up-to-date.
• All about Escrows
  Escrow requirements have always been complicated, and they’ve gotten more complex now that Regulation Z is requiring escrows of tax and insurance for higher priced mortgage loans. Things will change again as new Dodd-Frank Act rules are finalized in the coming months. Join David Dickinson for his Escrows webinar and you’ll learn the right way to handle residential mortgage loan escrows, from Settlement Statement entries to initial escrow disclosures to pay-off statements, and everything in between.
• New Credit Score Disclosures: New Amendments to Regs B and V
  FCRA amendments requiring that information on credit scores be included in risk-based pricing notices and adverse-action notices will be effective July 21, 2011, and implementing amendments to the Fed's regulations B and V will be effective soon thereafter. Will the new requirements affect your bank's operations? What changes will you have to implement, and when? Get the information you need to comply with the updated rules in this BOL Learning Connect webinar.
• Auditing Reg Z for Consumer Residential Real Estate
  Way back in 1980 Congress simplified the Truth in Lending Act. From that moment, however, more and more layers of rules have been added, so that now it’s more complex than ever, and the pace of change only increased in the last two years. Your TILA audits have to keep pace. Find out about the new disclosure timing rules, escrow requirements, loan categories, fee restrictions and much more that you need to incorporate into your audit plans, in this information-packed webinar by Pat Cashman.
• Consumer Residential Real Estate in the new Dodd-Frank World: Auditing for RESPA and Reg Z
  If you're struggling trying to update your residential mortgage loan audit workpapers for the recent changes to RESPA and Regulation Z, Pat Cashman has answers for you. Attendees at this informative 2-hour webinar will receive sample workpapers to get you started on the right foot.
   
• Digging Deeper into Appraisals: Guidelines, Reviews, and More
  The appraisal rules have changed and will be changing more in the near future. This webinar is designed to answer your questions on what examiners will expect from you, how to address the risks inherent with the existing and new rules, and how to handle the day-to-day requirements surrounding the appraisal rules. We will also deal with one of the most pressing issues, appraisal independence, as well as evaluations that aren't really appraisals, but need your attention as well.
  
   
• Dodd-Frank Act Status Check
  Are you struggling to keep the status of all the Dodd-Frank Act changes affecting lending straight? Jack Holzknecht will help you organize your compliance and change-management efforts with his "Dodd-Frank Act: Status Check" webinar. He'll cover the changes that have already been implemented, what's pending, and what is yet to come from this hugely-significant banking reform law.
   
• SAFE Act – Review of the First Year
  The SAFE Act regulations are a little over a year old, the initial registration period is behind us, and the first annual registration renewal period is drawing to a close. Examiners have begun to review banks' compliance with the regulation and a pattern of frequent violations is beginning to appear. You can help your bank avoid exam citations for common violations and ensure that it correctly manages its ongoing compliance responsibilities under the SAFE Act with information from this valuable two-hour presentation. 
• The Mortgage Life Cycle
  Let's face it. Residential mortgage lending is a complicated business. There are just so many laws and regulations lenders have to comply with! David Dickinson and Jerod Moyer's three-part Mortgage Loan Lifecycle webinar series helps connect each of those requirements with the many stages though which the mortgage loan moves, from application to closing and beyond.
   
• How to Conduct a Fair Lending Risk Assessment
    If your financial institution has not completed a fair lending risk assessment as a foundation for a well-crafted compliance management system, it risks regulatory enforcement action and Justice Department referrals that can lead to punishing consequences. Get the information you need to help your institution gets its fair lending risk assessment completed so that it can identify and implement needed risk controls.
• HMDA – Beyond the Input
  So much work, and what benefit do you get from it? Compiling, editing and filing your institution's HMDA LAR can seem like a thankless task if all you get is a check mark on a list of deadlines. Shouldn't all that information be worth something to the institution? If you attend this information-packed webinar by Pat Cashman, you'll learn ways your institution use your HMDA data to avoid fair lending problems, ferret out potential new business and better understand your competition's mortgage lending activity. And that's just for starters!
   

• Regulation Z – New Advertising Rules
  This two-hour webinar covers all of the new Regulation Z advertising rules and places the changes in context of the existing Regulation Z advertising requirements.
• Regulation Z – New Rules for Private Education Loans
  This two-hour webinar covers all of the new Regulation Z rules pertaining to private education loans.
• Credit CARD Act - Getting Ready for Major Changes
  We'll address all the changes the Credit CARD Act contains in this webinar, and lay them out in an easy-to-understand format, so you'll know exactly what the changes are and when they're going to happen.
• New Early Truth in Lending Disclosure Rules
  This two-hour webinar covers the revisions to the early TIL disclosure requirements and the revisions to the revisions. 
• Proper Disclosure of Fees and Charges Under Regulation Z
  This two-hour seminar reviews all of the rules related to finance charges. It includes a three-step process that assures that finance charges are properly disclosed. 
• Regulation Z Proposed Rules for Home-Secured Credit
  These proposed changes will have significant impact on all mortgage lenders for years to come. Every company that engages in mortgage lending must be aware of the proposed changes and should participate in the debate about the future of the business. 
   
• Regulation Z - Revised Open End Credit Rules
  This two-hour webinar covers all of the new Regulation Z rules that impact open-end credit products such as overdraft lines and credit cards. 
• Reg Z Roundup - Guide to the October 1st Changes
  This program is designed to explain the extensive list of new limitations and new prohibited acts and practices. Program participants receive a detailed manual that provides a thorough explanation of the new rules. 
• Regulation Z – New Rules for Application and Solicitation Disclosures
  Upon completion of this two-hour program participants will understand the rules for credit and charge card application and solicitation disclosure.
• Regulation Z: New, Interim and Proposed Rules
  The changes to Regulation Z continue to flow.  This program provides the information needed to implement the latest round of new rules.
  
  Upon completion of the program participants will understand all of the new, interim and proposed rules recently published by the Federal Reserve Board.
• Regulation Z Rules -- January 2011
  For the past few years massive changes to Regulation Z (Truth in Lending) have been unfolding, but even more significant changes are ahead of us. This webinar reviews two new rules that are effective in January 2011. One rule will have a major impact on the content of your "Fed Box" disclosure for mortgage loans. The other change is not likely to have a major impact on your operations, but you need to be aware of the new requirement. THIS CD-ROM WILL BE AVAILABLE AFTER JANUARY 28, 2011
• Auditing Escrows
   Change is moving at a fast pace and there is a lot to keep up with. That includes escrow accounts. We've heard of some lenders who said they would stop offering certain products because the escrow rules were too much of a burden. We think that is a drastic step. In this webinar you'll learn what the escrow requirements are and how to deal with them. From an auditor's perspective you'll learn what is required and when. This knowledge can be used in establishing these accounts as well, so lenders, loan administrators and auditors will all benefit from listening. We'll provide you with checklists and tools needed to ensure compliance.
   
• Regulation Z - Revised Examination Procedures
  Whether you were in school decades or months ago, you know it was always helpful to know what information quizzes and exams would cover. That doesn't change when you're looking at regulators' compliance exams of banks-- you feel better prepared when you understand what the exam will be like. Join Mary Beth Guard and Jack Kolzknecht for their BOL Learning Connect webinar covering the January 2011 updated Regulation Z examination procedures, and get the information you need to ensure that your bank is as well-prepared as it can be for its next Truth in Lending compliance examination.
   
• Escrow Rules Review and Update
  The escrow rules have changed and they’re about to change again! Significant new escrow requirements were added to Regulation Z in April 2010 and updated in April 2011. More changes have already been proposed to implement requirements imposed by the Dodd-Frank Act. It’s time to make sure you’ve got it all under control so that your institution can avoid significant penalties for non-compliance.  
• All about Escrows
  Escrow requirements have always been complicated, and they’ve gotten more complex now that Regulation Z is requiring escrows of tax and insurance for higher priced mortgage loans. Things will change again as new Dodd-Frank Act rules are finalized in the coming months. Join David Dickinson for his Escrows webinar and you’ll learn the right way to handle residential mortgage loan escrows, from Settlement Statement entries to initial escrow disclosures to pay-off statements, and everything in between.
• Auditing Reg Z for Consumer Residential Real Estate
  Way back in 1980 Congress simplified the Truth in Lending Act. From that moment, however, more and more layers of rules have been added, so that now it’s more complex than ever, and the pace of change only increased in the last two years. Your TILA audits have to keep pace. Find out about the new disclosure timing rules, escrow requirements, loan categories, fee restrictions and much more that you need to incorporate into your audit plans, in this information-packed webinar by Pat Cashman.
• Dodd-Frank Act Status Check
  Are you struggling to keep the status of all the Dodd-Frank Act changes affecting lending straight? Jack Holzknecht will help you organize your compliance and change-management efforts with his "Dodd-Frank Act: Status Check" webinar. He'll cover the changes that have already been implemented, what's pending, and what is yet to come from this hugely-significant banking reform law.
   
• The Mortgage Life Cycle
  Let's face it. Residential mortgage lending is a complicated business. There are just so many laws and regulations lenders have to comply with! David Dickinson and Jerod Moyer's three-part Mortgage Loan Lifecycle webinar series helps connect each of those requirements with the many stages though which the mortgage loan moves, from application to closing and beyond.
   

• All about Escrows
  Escrow requirements have always been complicated, and they’ve gotten more complex now that Regulation Z is requiring escrows of tax and insurance for higher priced mortgage loans. Things will change again as new Dodd-Frank Act rules are finalized in the coming months. Join David Dickinson for his Escrows webinar and you’ll learn the right way to handle residential mortgage loan escrows, from Settlement Statement entries to initial escrow disclosures to pay-off statements, and everything in between.
• RESPA - Section 8 Transactions
  Many of the actions involved violations of Section 8 of RESPA, which prohibits unearned fees and kickbacks. For the past year or so we have seen HUD enforcement actions involving RESPA nearly every month. The settlements have ranged from a few thousand dollars to nearly a $1 million. Failure to comply with Section 8 rules can lead to jail terms, in addition to the penalties. Participants receive a detailed manual that serves as a handbook long after the program is completed 
• How to Complete the NEW Good Faith Estimate and Settlement Statements
  Join BOL Guru and President of Banker's Compliance Consulting David Dickinson and Jerod Moyer on November 10th, as they guide you through the tedious process of completing the new Good Faith Estimate and HUD-1/1A Settlement Statement forms.
• RESPA - Implementing the New Rules
  The changes to RESPA's Regulation X are extensive and involve most sections of the regulation. This webinar provides an overview of all of the major changes. 
• Understanding HUD's New RESPA Rules FAQ
  Join David Dickinson and Jerod Moyer as they journey through HUD's New RESPA Rule Frequently Asked Questions. They will analyze and address each of the 80 + questions and answers issued to address key concerns stemmed from the revisions. This two hour webinar will be packed with insight to manage the daily challenges we all will be faced with as of January 1, 2010.
• X Marks the Spot: Auditing for RESPA
  RESPA has new rules. This webinar is on what you have to be doing to comply with those new rules. 
• Auditing Escrows
   Change is moving at a fast pace and there is a lot to keep up with. That includes escrow accounts. We've heard of some lenders who said they would stop offering certain products because the escrow rules were too much of a burden. We think that is a drastic step. In this webinar you'll learn what the escrow requirements are and how to deal with them. From an auditor's perspective you'll learn what is required and when. This knowledge can be used in establishing these accounts as well, so lenders, loan administrators and auditors will all benefit from listening. We'll provide you with checklists and tools needed to ensure compliance.
   
• Escrow Rules Review and Update
  The escrow rules have changed and they’re about to change again! Significant new escrow requirements were added to Regulation Z in April 2010 and updated in April 2011. More changes have already been proposed to implement requirements imposed by the Dodd-Frank Act. It’s time to make sure you’ve got it all under control so that your institution can avoid significant penalties for non-compliance.  
• RESPA Update
  If you think that RESPA compliance is a moving target, you’re right. HUD continues to issue interpretations of its regulation via an evolving FAQ (through April 2010) and issues of “RESPA Roundup.” Examiners, like lenders, are still making adjustments.  Through his many contacts, David Dickinson has kept current with the latest changes to the RESPA compliance landscape. In his two-hour BOL Learning Connect RESPA Update webinar, David will walk you through the Good Faith Estimate and Settlement Statement to provide the information you need to ensure your RESPA compliance procedures are up-to-date.
• Annual Lending Compliance Recap
    The Dodd-Frank Act is changing the world of compliance and while the CFPB hasn't implemented all these changes yet, there are changes and you can't miss any of them.  This program is a fast-paced review of the highlights of all the developments in lending compliance in the past twelve months so you can be sure you've caught them all. Review what was to be done and how you have implemented these and do it before the CFPB starts a new round of massive changes.
• The Mortgage Life Cycle
  Let's face it. Residential mortgage lending is a complicated business. There are just so many laws and regulations lenders have to comply with! David Dickinson and Jerod Moyer's three-part Mortgage Loan Lifecycle webinar series helps connect each of those requirements with the many stages though which the mortgage loan moves, from application to closing and beyond.
   

• Annual Lending Compliance Recap
    The Dodd-Frank Act is changing the world of compliance and while the CFPB hasn't implemented all these changes yet, there are changes and you can't miss any of them.  This program is a fast-paced review of the highlights of all the developments in lending compliance in the past twelve months so you can be sure you've caught them all. Review what was to be done and how you have implemented these and do it before the CFPB starts a new round of massive changes.
• Identifying and Preventing Mortgage Loan Fraud
  Let the nation's top real estate and mortgage fraud expert demonstrate the most common frauds on applications, purchase and sales agreements, and appraisals. Real estate insider Richard Hagar SRA will even show you the top five methods used by borrowers for faking a down payment.
• Conducting a Bank-Wide Risk Assessment
  This webinar guides you through the process whether you are using a purchased tool, an in-house spreadsheet, or database software. The concepts presented will help with any type of risk assessment. The concepts and process can be used to assess new product risk before implementation, formalization of risk management at community banks, or assessing risk in any bank process including those with required risk assessments such as BSA, OFAC, or CIP
• Updating Your BSA/AML/OFAC Risk Assessment
  Nestled among many, many requests for documents in your next BSA/AML pre-examination questionnaire you will still find: "Make available copies of management's BSA/AML risk assessment of products, services, customers, and geographic locations."
  
  The "given" is that the risk assessment you provided in anticipation of your last examination will not work for this examination.
  
  One of the bad things about "risk" is that it continues to evolve. So, risk assessments must be continuously updated.
  
  This webinar is about looking at what you have done in the past and searching for ways to make improvements. Get your planning committee together to listen in - we're about to save you a lot of time and make you a lot more confident of your efforts.
  
   
• Reducing Fair Lending Risk
  Designed for compliance officers, audit, marketing and loan administration, this program will teach you how to avoid surprises in the form of costly referrals to Justice.
• Risk Analysis on Information Security
  This Webinar will take you, step by step, through three of the key components for risk assessment: information gathering, analysis of the likelihood and potential harm from various risks, and prioritization of responses. It will acquaint you with critical success factors in the risk assessment area. As part of the program, you will receive tools to help you get the job done and we'll make you aware of additional resources available to you. 
• Risk Management: The Lender's Job
  This session examines what is risk, identifying it, categorizing it and using it to prioritize use of the limited time you have to accomplish the most important tasks you must. This session will put into everyday context, the specific management skills you need to control and manage risks in your institution.
• Risk Management: The Teller's Job
  Join Lucy Griffin in identifying the obvious and not so obvious risks for your teller positions, learn how to teach the teller what to watch for, how to classify them and how to manage them.
• Risk Management: The Branch Manager's Job
  This webinar is the second in a four-part series. The series is designed to help you understand the risks in your financial institution and design or revise your risk management program for optimum performance. It is not necessary to view all four parts to benefit for the series. Each is separated so you can use any or all of the sessions to improve your program. 
• Customer Risk Assessment, Rating and Monitoring
  Learn how to organize and implement a system for identifying high risk customers in connection with on-site BSA examinations.
• Unraveling the Mystery of Developing An Enterprise-Wide Information Security Risk Assessment
  This seminar will provide an overview of the key elements of a risk assessment and provide a framework that can be adapted to the other numerous risk assessments now required. 
• Safe Deposit Liabilty and Security Issues
  David McGuinn, a nationally known expert in the safe deposit area, answers hundreds of questions each month. He will provide clear concise answers to the "Most Frequently Asked" questions regarding your institution's responsibility and potential liability. He will also identify and discuss many other current security issues relating to safe deposit.
• RDC Risk Management -- Understanding the New Exam Procedures
  This program will also provide the participant with a better understanding of the FFIEC RDC Guidance, Check 21 and the new RDC examination expectations outlined in the Retail Payments Systems Handbook.
   
• RDC Risk Management and FFIEC Compliance: It is harder than you think!
  The FFIEC has impacted check image processing by expanding the definition of Remote Deposit Capture to include any form of deposit document imaging. Institutions must now include all technologies in their compliance program that scan and digitize deposit documents as part of their FFIEC Risk Management of Remote Deposit. It is more than commercial customers!
   
• How to Audit MSBs for Enhanced Due Diligence - What's Going On Here?
  Bank auditors want to make sure that enhanced due diligence programs for MSBs have kept current with regulatory change and with any changes in MSB activities. Join Pat Cashman for her information-packed presentation to understand the implications of FinCEN's new rules on prepaid access and what MSB activities your bank's EDD program should be scrutinizing.
• The State of Security: Past, Present, and Future
  The pace of technological change, legislative and regulatory developments,
  and increasingly sophisticated criminals all combine to make data security a
  moving target. If you don't keep up with the changing environment, your
  bank's risk of data compromise or loss can only go up.
• IT Regulatory Issues - What's on the Radar for 2011 Examinations
  What do you know about the opportunities and risks for your bank from social networking, cloud computing and unified communications? You can be sure that regulators are giving each of these areas increased attention as risks become better understood and examiners gain experience with banks deploying newer technologies. Help keep your bank informed on what to expect from regulators by attending this important presentation by Susan Orr.
   
• Two-Faced-Book Facebook Policy Can Serve You Well
  Recent court cases pertaining to social media, such as Facebook, have held employers liable for what was done on Facebook, as well as what wasn't. How are you supposed to embrace this technology everyone seems to say you need to be on, safely? Well, safely may be subjective but we'll give you the information you need to manage your risk in social media.
   
• OFAC in 2011- Handling the Hits!
  Managing your bank's OFAC compliance program can't be a "write it once and forget it" event. It has to be kept current and responsive to the ever-changing developments in the OFAC compliance environment. There are new sanctions programs, updated licenses and hundreds of updates to the overall SDN listing. The changing realities of political and international influences on OFAC policy require that you keep your program adaptive and effective. Tim White's presentation will give you the latest information and show you how to help keep your institution out of trouble with OFAC and examiners alike.
   
• Regulation CC-The Fed's Proposed Makeover
  You've asked when the Fed would implement the Dodd-Frank Act's $200 next-day rule in Regulation CC, and whether the references to "nonlocal" checks would be removed from the rule anytime soon. Many banks have struggled with making their disclosure documents current. The Fed has proposed amendments to take care of all those concerns, and much more. The Fed's proposal would also add inducements to convince banks that haven't yet done so to accept electronic return items, and shorten exception holds on deposited checks. This webinar will cover all the significant proposed changes, and inform you about matters on which the Fed has specifically asked for comment.
• Compliance Management Puzzle – Putting It All Together
  Making sure your compliance program has the right "fit" for your institution's size and complexity can be a puzzling challenge. To make sure your compliance puzzle has the right basic pieces, attend Pat Cashman's Compliance Management webinar.
• The Consumer Financial Protection Bureau (CFPB) is About to Take Control:
  With July 21 fast approaching, bankers across the country are still wondering what to expect as the CFPB or Bureau assumes control of consumer protection regulations. No one truly expects an immediate avalanche of new regulations, but what can the industry expect? What new rules will be effective on July 21, and which are most likely to come soon afterward? In short, what are bankers in for under the new regulatory regime? The clouds are beginning to clear in the crystal ball, and Carl Pry’s informative webinar will help you begin to make sense of the uncertainties looming there.
• 2011 Safe Deposit Compliance Update
  How current are your bank’s safe deposit vault procedures? Have they been reviewed and revised in light of recent regulatory or legal developments? Spend two hours with nationally-known industry expert Dave McGuinn in his 2011 Safe Deposit Update webinar, and you’ll have the information you need to ensure your procedures are current and protecting your band from avoidable losses.
• Inherited IRAs and Death Distributions
  Handling the IRA of a decedent can be a complex task. Getting it wrong can mean IRS penalties for the Administrator, and extra taxes and penalties for the decedent's heirs. In this important program focusing on administration of decedents' IRAs, Debbie Crawford will step you through the process, starting with the IRA customer's death, to setting up files for spouse and nonspouse beneficiaries, transferring the IRA assets correctly, and completing proper IRS reporting, and much more.
• Understanding Signature Cards, Resolutions and Account Agreements
• Common Compliance Violations
  With all that is changing in the world of banking regulation, you need every edge you can get. One way to help prioritize your compliance efforts is to know the types of violations that regulators are regularly citing at other institutions, and what's likely to cause problems in the new rules being issued. Mary Beth Guard and Carl Pry will help you learn from others' mistakes in this information-packed two-hour webinar.
   
• Customer Authentication: The Bar has been Raised
  Corporate account takeovers have been in the news lately, and courts have come down on both sides -- the customer's and the bank's -- when banks' security efforts on their customers' behalf have been called into question. The FFIEC just raised the bar on regulatory expectations regarding customer authentication, and banks need to start pondering their next move to tighten security over the online systems that they and their customers use. Find out what the FFIEC now expects banks to do in their battle to protect customer and bank assets as Jeff Patterson and Susan Orr offer their two-hour presentation, "Customer Authentication: A Higher Standard."
• Risk - Building a Foundation of Management
  Risk management is an often overused term for a task that you may have been put in charge of with no training whatsoever. But you don't know what you don't know. If you want to ensure that you have built a solid foundation for your risk management program, this webinar is for you. You will learn what is involved in recognizing and controlling risk so that what you are left with is both manageable and acceptable.
• UDAAP: A HUGE Compliance Influence is Coming
  Can you speak "UDAAP"? Learning how to understand this new compliance language could be the most important thing you do as the new Bureau begins to flex its consumer protection muscles. The addition of "abusive" to UDAP's familiar "unfair or deceptive," together with the Bureau's broad Dodd-Frank Act mandate for action, threaten to make "UDAAP" the most significant term ever to affect bank compliance. Now is the time to start preparing and to learn what's to come. This is the webinar that will give you an understanding of the breadth of the Bureau's mandate and what it can mean to your bank now and in the future.
• Unfair, Deceptive, or Abusive Acts and Practices
  Your ads may comply with Reg DD or Z. Your loan disclosures may conform to RESPA and TILA. But you could still run afoul of UDAAP, the new "unfair, deceptive or abusive acts or practices" standard to be established by the Consumer Financial Protection Bureau in your marketing, disclosure or delivery of products and services. UDAAP threatens to be a major concern, particularly to your lending function, and you need to know what to expect. Join Jack Holzknecht for his informative webinar as he offers suggestions about what the Bureau will target under its yet-to-be-proposed regulations.
   
• Consumer and Small Business RDC Mobile Capture . . . Deposits on the Move!
  If your financial institution is about to offer or considering extended remote deposit capture for small businesses and consumers, you need to be aware of the unique added risks involved in that market. Regulators will expect you to have completed a thorough risk analysis and prepared a risk mitigation program for the expanded client base. This webinar will review the risks that consumers and small businesses present, and provide the information you need to ensure you'll be able to analyze and manage the risks to protect your institution.
   
• VISA Debit Card Error Resolution: Do we always lose?
  As consumer friendly as Regulation E and VISA Zero Liability are, it often seems that the chips are stacked against the card issuer. As soon as the cardholder cries, "Fraud!" many institutions are already writing off a loss. In this comprehensive program, we will examine the chargeback process step by step to uncover what rights the institution has when faced with a cardholder's claim. From frontline staff who need to know what information to obtain from the cardholder when a dispute is filed, to the processing team who can protect the institution's rights by filing the correct chargeback code, this program will benefit all who are involved in the process.
• MasterCard Debit Card Error Resolution: Do we always lose?
  As consumer friendly as Regulation E and MasterCard Zero Liability are, it often seems the card issuer absorbs the loss in most cases. As soon as the cardholder cries, "Fraud!" many institutions are already writing off the dispute. In this comprehensive program, we will examine the chargeback process step by step to uncover what rights the institution has when faced with a cardholder's claim. This webinar will help frontline staff who need to know what information to obtain from the cardholder when a dispute is filed, as well as the processing team who can protect the institution's rights by filing the correct chargeback codes. Anyone involved in the process of handling MasterCard debit card error resolution claims can benefit.
• Auditing RESPA
  RESPA rules have changed.
  
  Remember claiming that the "E" in GFE stood for estimate and there was no tolerance between the GFE and the final Settlement Statement?
  
  Well, there is a level of tolerance now. It is a key item that needs to be checked and audited. The tolerance levels for different fields, in addition to so much more will be reviewed in this webinar.
   
• Mobile Banking
  Whether your institution will be in the lead or follow the pack, it will implement mobile banking to remain competitive. The rapid growth in smart phone and tablet sales virtually ensures that your institution will "go mobile" sooner or later. How far should you go? Should there be a mobile banking app for your bank? Join Paul Carrubba and Dan Fisher to explore the future of mobile banking, the risks that you must be aware of, and the concerns of both customers and regulators regarding this rapidly emerging bank service delivery channel.
• Is Your Bank Penetrable?
  One of the smartest ways to prevent unauthorized intrusions into your bank's data network is to learn about the techniques that are used to gain unlawful access. If you attend this information-packed webinar, you'll hear two nationally-recognized security experts explain the many ways that crooks can use social engineering and social networks like Facebook to trick your own employees into opening data intrusion opportunities. You'll also learn about key policies and procedures your bank can employ to prevent poor employee practices and tighten up the security controls protecting your valuable data.
   
• Annual Operations Compliance Recap
    The Dodd-Frank Act isn't just about lending reforms. There is plenty of potential in its hundreds of pages for changes that affect bank operations, too. The fledgling Bureau of Consumer Financial Protection will soon begin weighing in with consumer-oriented rules that will have an impact on your operations as well. But before dealing with what is on the compliance horizon, you need to ensure you've taken care of what's happened in the past year. We'll recap all the major developments so you can put them on your list of completed tasks or add them to your "catch up" list for immediate attention.
• Safe Deposit Past Due Boxes and Unclaimed Property
  If your bank rents safe deposit boxes, it has some that are past due, some that have to be drilled and, sometimes, contents removed from drilled boxes that have to be stored safely until claimed or transferred to the state's unclaimed property division. Knowing the right way to manage these everyday safe deposit challenges can protect your bank from huge potential lawsuits and losses. Learn the correct way from nationally known safe deposit industry expert David McGuinn in this information-packed webinar. 
• When Social Media Attacks
  If your institution has a Social Media presence or is weighing the idea, the goal is often to "get your name out there."   Has management considered that Social Media can also be used by someone with an agenda to attack your institution's reputation -- even its "bottom line"? Join Barry Thompson for his informative two-hour presentation to learn how Social Media can work either for your institution or against it, and how to remain vigilant to detect attacks before they do irreparable harm.
   
• How to Conduct a Fair Lending Risk Assessment
    If your financial institution has not completed a fair lending risk assessment as a foundation for a well-crafted compliance management system, it risks regulatory enforcement action and Justice Department referrals that can lead to punishing consequences. Get the information you need to help your institution gets its fair lending risk assessment completed so that it can identify and implement needed risk controls.
• Elder Fraud: The Baby Boomers' Nightmare
  The threat of elder financial abuse is guaranteed to present a fast-growing threat to your institution and its valued customers as baby boomers age. There has never been such a huge growth market for swindlers and other con artists to tap, and many of your best-educated and most valuable customers will be targeted. Find out why they are such attractive targets, how to detect the symptoms of elder abuse when your customers are victimized, and what steps your staff can and should take when elder abuse is suspected in this important new webinar presented by Barry Thompson and Arvin Clar.
   
• Stop Payments
   You cannot afford confusion among your staff about stop payment orders. Knowing which items can and cannot be stopped is critical. You also need to know whether a customer’s stop order is timely, or too late. Join John Burnett for his Stop Payment webinar, and get the answers. Learn whether the bank is “stuck” if a stopped ACH item is paid, whether to accept a stop payment on a cashier’s check, and much more
• Powers of Attorney
    Are you intimidated by powers of attorney? These documents don’t have to keep you awake nights if you understand their special terminology, what they are used for, when they can (and can’t) be used, and what you need to do to both assist your customer and protect your bank. Join Mary Beth Guard and John Burnett in this important two-hour webinar, and you’ll feel much more confident the next time someone asks you to accept a power of attorney.
• 
  It's incredible! There were over $15 million in safe-deposit-related claims filed in 2011. Will inadequate training, faulty drilling procedures, vault flooding or a host of other problems expose your institution to claims or suits? Find out what you can do to reduce your institution's safe deposit risk from expert Dave McGuinn in this information-packed two-hour presentation.
   

• 25 Critical Security Mistakes a Smart Institution NEVER Makes
  This presentation isn't based upon theory -- it's a "real-life, real-time" program relating to issues that may contribute to more than 75% of an institution's losses. 
• Beginning Security Officer, The
  This program provides the ground floor as to what areas of your financial institution you will need special relationships with to be successful. Learn how to gain support from management and staff by developing a risk management committee that will help champion the protection of your bottom line. This webinar give you a whole new perspective with vital insights on how to achieve success as a security officer for a financial institution!
• Business Continuity Planning: It's All About Risks & Resources
  Join nationally recognized speaker Dana Turner for an in-depth review of a logical and strategic model designed to help you understand the true scope of a disaster and business recovery planning process. Learn not only what to do when there is a situation, but how to avoid or lessen it in the first place.
• Combatting Internal Fraud Before it Happens
  This session reviews what every banker should know in order to combat internal fraud before it happens. The Association of Certified Fraud Examiners in its "Report to the Nation," states that "organizations lose 7% of their annual revenues to fraud." Many management teams don't believe this can happen in their bank until it does. We will discuss the types of environments that are fertile grounds for internal fraud such as mergers, weak internal controls or dysfunctional management styles. You will learn how and where internal thieves will spend stolen funds as well as how they keep their crime from being detected. This fast moving program will provide you with the "red flags" of an impending internal embezzlement along with the tools to expose it.
• Conducting Background Investigations
  The primary purpose for conducting a background investigation is to obtain the information necessary that allows the appropriate manager or executive to make an intelligent and informed decision about initiating or continuing a relationship with a person or a company. 
• Conducting Investigations: An Orientation
  If you are your institution's Security Officer, one of your most important duties is to protect the image and integrity of the institution -- and its employees. Developing, administering and monitoring a comprehensive event investigation process should be an integral part of your Security Program. Whether you are the institution's Security Officer, an executive officer, a business unit or branch manager -- or a supervisor of only one employee -- you may become responsible for conducting an investigation. There are two, very simple goals for every investigator -- to find the truth and to determine the responsibility for results. 
• How to Conduct an Interrogation
  This presentation focuses upon the interrogation process involved with resolving security-related issues and introduces participants to the concepts and practical applications of basic and strategic interrogation methodology. The presentation also introduces the most simple and effective techniques for gathering and validating information from uncooperative sources such as hostile witnesses and suspects.
• Identifying Financial Statements Fraud
  This webinar will introduce you to the processes that could enhance the audit department's reputation and value to the bank, while making the auditor's job more rewarding. 
• Implementing the New Risk-Based Pricing Regulations
  This webinar reviews all of the requirements for compliance with the new rule, which will be effective January 1, 2011.
• Interviewing: Both a Craft & a Science
  The presentation helps participants understand the true scope of the communication process regarding both criminal and non-criminal events that may occur within your institution. By understanding the cause and effect relationship between an investigator's strategy and the investigative result, participants may design and implement a standardized, institution-wide interviewing process.
• Last Minute Guide to Multi-Factor Authentication
  This webinar will provide you with the necessary information to assess the risks involved with your Internet banking system and will discuss many of the methods that can be used to mitigate those risks. 
• The Lowdown On Document Forgery: It's An Epidemic
  This presentation provides a logical and strategic model that's designed to help any institution employee understand the true scope of the processes used to forge, alter and counterfeit many kinds of documents. By understanding the cause and effect relationships between the forger's strategy and the observable result, the Security Officer may use this model to design and implement a standardized, institution-wide document examination and comparison process. 
• Robbery Prevention, Response & Aftermath
  The Security Program should combine procedural security techniques with physical ones. The industry-standard development and implementation an effective Security Program relies upon the Bank Protection Act (an act passed by Congress) and as a model. The verbatim regulations and related issuances that address security requirements for all types of financial institutions may be located on BankersOnline. 
• Security Blunders: Show & Tell
  This program uses real life photos of the ways by which financial institutions make themselves a target for criminal attacks. Take advantage of mistakes others have made and avoid them yourself. Learn how to see your facility as a criminal sees it, both during operating hours and after hours. You may be surprised by what you see! 
• 2011 Safe Deposit Compliance Update
  How current are your bank’s safe deposit vault procedures? Have they been reviewed and revised in light of recent regulatory or legal developments? Spend two hours with nationally-known industry expert Dave McGuinn in his 2011 Safe Deposit Update webinar, and you’ll have the information you need to ensure your procedures are current and protecting your band from avoidable losses.
• SAR Case Studies
  This review is meant to assist the new and the experienced employee with the basics of SARs as well as the fine points that make them useful, and help protect you from criticism. 
• Stealing from Within: Embezzlement & Data Theft
  The losses attributed to embezzlement are greater than those from all other financial crimes combined. When an institution experiences an embezzlement combined with a theft of its data, the potential losses can become astronomical. Embezzlement is both a "property" and a "people" crime -- it's not just a document or technological crime. Embezzlement is the intentional misuse or misappropriation of funds or property entrusted to an employee -- or some other person who has power, control, trust or authority over data, money or property. 
• Subpoenas, Summonses and Search Warrants
  This training will help you be able to efficiently and competently handle summonses, subpoenas, and search warrants by teaching you what you need to know about which law applies. When the request is from a federal governmental authority, this webinar will also provide you with specific information about what that law requires. The webinar will provide an overview of the privacy laws and how they apply to information requests. 
• The Security Department & Security Personnel
  The purpose of this presentation is to suggest personnel who may logically perform safety and security-related tasks.
• Secure Remote Access – Isn't That an Oxymoron?
  Regardless of whether you are considering allowing remote access or have already opened your internal network for access from beyond your perimeter you need to be sure you are doing so as securely as possible. You need to develop remote access guidelines, establish an acceptable configuration, software, and connectivity requirements. You also need a policy that addresses security guidelines, develop a remote access application or access request process, not to mention risk identification and mitigation controls. 
• Handling Critical Incidents: The Robbery Issue
  This CD ROM will be available after December 30, 2010.
  We work in a profession where robbery is more than just a possibility. In almost every robbery situation the criminal has been inside your bank and has cased the building. This program arms you with vital insights into why the robber(s) selected your bank. You will understand what the signals are that tell a criminal your bank is the one to rob.
• Safe Deposit Liabilty and Security Issues
  David McGuinn, a nationally known expert in the safe deposit area, answers hundreds of questions each month. He will provide clear concise answers to the "Most Frequently Asked" questions regarding your institution's responsibility and potential liability. He will also identify and discuss many other current security issues relating to safe deposit.
• Identifying and Preventing Mortgage Loan Fraud
  Let the nation's top real estate and mortgage fraud expert demonstrate the most common frauds on applications, purchase and sales agreements, and appraisals. Real estate insider Richard Hagar SRA will even show you the top five methods used by borrowers for faking a down payment.
• Internal Fraud for the Beginning Security Officer
  Sooner or later, your bank will experience an internal embezzlement. How it is investigated and by whom can be critical to directors and senior management, who will be at least as concerned with the bank's image as with identifying and dealing with the embezzler. Whoever manages the investigation must be sensitive to the often competing concerns an internal embezzlement may raise. This webinar will give you the tools you need to help manage a successful investigation.
   

• 2011 Safe Deposit Compliance Update
  How current are your bank’s safe deposit vault procedures? Have they been reviewed and revised in light of recent regulatory or legal developments? Spend two hours with nationally-known industry expert Dave McGuinn in his 2011 Safe Deposit Update webinar, and you’ll have the information you need to ensure your procedures are current and protecting your band from avoidable losses.
• Managing Your Safe Deposit Area
  The program will address common mistakes in safe deposit operations and will highlight the types of claims and problems that may arise - and how to avoid them. Whether you're new to the safe deposit area, or just looking for a "check-up" to ensure you're doing what you should be doing, this program can help. 
• Safe Deposit Liabilty and Security Issues
  David McGuinn, a nationally known expert in the safe deposit area, answers hundreds of questions each month. He will provide clear concise answers to the "Most Frequently Asked" questions regarding your institution's responsibility and potential liability. He will also identify and discuss many other current security issues relating to safe deposit.
• Safe Deposit Disasters Spark Lawsuits
  Your speaker knows first hand what to look for; from the most common errors to the not so common, but potentially costly mistakes. This presentation will help you review your own internal procedures. 
• Issues with Deceased Customers
  In this program, we examine how a customer's death impacts deposit accounts, CDs and safe deposit boxes. 
• Safe Deposit Past Due Boxes and Unclaimed Property
  If your bank rents safe deposit boxes, it has some that are past due, some that have to be drilled and, sometimes, contents removed from drilled boxes that have to be stored safely until claimed or transferred to the state's unclaimed property division. Knowing the right way to manage these everyday safe deposit challenges can protect your bank from huge potential lawsuits and losses. Learn the correct way from nationally known safe deposit industry expert David McGuinn in this information-packed webinar. 
• 
  It's incredible! There were over $15 million in safe-deposit-related claims filed in 2011. Will inadequate training, faulty drilling procedures, vault flooding or a host of other problems expose your institution to claims or suits? Find out what you can do to reduce your institution's safe deposit risk from expert Dave McGuinn in this information-packed two-hour presentation.