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	2007 IRS Customer Information Reporting - Part One Presented by: Ken Golliher Part One of this program focuses on the mechanics of the financial institution's IRS compliance program, lending related returns and 1099MISC reporting. This includes payments made to appraisers, accountants and any other non-employee of the institution. New regulations issued in 2006 clarify reporting requirements for payments made to attorneys. Reporting as required under the new regulations is mandatory for payments made after January 1, 2007
	2007 IRS Customer Information Reporting - Part Two Presented by: Ken Golliher Part Two of this program is devoted to IRS compliance issues that are unique to the deposit side of the institution. Common errors in account titling and TIN combinations, non resident alien requirements and reporting interest upon the death of a customer are addressed. In addition, the IRS backup withholding program is explained in detail. Learn what is required when the institution receives an IRS B-Notice or C-Notice and how documenting compliance efforts can dramatically reduce future compliance efforts.
	Accounts for Minors Presented by: Mary Beth Guard and John Burnett When to accept deposit accounts for minors and how those account should be established are questions of policy that every bank has to address. Minors, after all, are an increasingly important part of the consuming public, and the demand for bank accounts that meet minors' needs in a safe and sound manner will only increase.
	A - Z of Reg E Presented by:Andy Zavoina A recent study shows that 3 million consumers lost $2.75 Billion in a twelve month period. Zero liability on certain debit cards saves the consumer money in the event of fraud. The consumers didn't lose $2.75B and someone paid for the zero liability claims. Often that is you. How much should you pay, how do you investigate a Reg. E claim and what are the basic disclosure rules imposed by the regulation? Tune in, and know the rules.
	Big Picture: The Deposit Regs Presented by: Mary Beth Guard and John Burnett
	Debit Card Compliance: It's in the Cards Presented by: John Burnett and Andy Zavoina Electronic fund error resolutions are complicated. Knowing which rules apply and how to follow them is difficult. Not knowing is costly. You may pay to many claims, or to few. Either way, these could be written up as violations. Learn the right way, learn who is due what monies, and learn from experts with over 50 years of experience.
	Deposit Notices: It's Not Easy Presented by: Lucy Griffin It can be tempting to think that giving deposit notices is a slam dunk. After all, we have those pre-printed deposit account disclosures. That crafty document has everything required by Truth in Savings and more besides -- doesn't it? Unfortunately, giving customers information about their deposit accounts isn't quite that easy. We have to know more than "give them the booklet." We have to know what is included in the disclosures and what other disclosures should be given. It also helps to know why customers need the information and how to explain it. In short, we need to know what information to give them and how to explain it when customers ask questions.
	Frontline Compliance Issues Presented by: Mary Beth Guard, Jim Bedsole, John Burnett and Andy Zavoina Four speakers in two hours providing function based training on seven core topics. This webinar is a powerhouse designed to explain how to "do" compliance on the frontline. Those who do, those who supervise and those new to banking and compliance will learn the practical side of every day compliance requirements.
	Health Savings Accounts Presented by: Deborah Crawford Stone Health Savings Accounts may be a nice addition to your deposit portfolio mix. This new type of account need not be confusing when you have the facts and answers to your questions. Whether you looking to add this product, or refine what you already offer, this webinar will give you the basics you need to know to open, maintain and grow your deposits. The rules have to be followed and you have to know what they are. Get answers to your questions on what an HSA is, how are contributions and distributions made, what IRS reporting is required and more.
	Holds for Tellers Presented by: Ken Golliher By understanding and using Regulation CC you can avoid operational losses, regulatory violations and you can save money. Reg. CC training is required for those who must address your funds availability. This program is designed for entry level personnel but will be useful by all who are involved in carrying out your policy from the teller, to the supervisor to the auditor and more. The resource materials provided will serve as excellent resources for the future.
	IRS Information Reporting for Financial Institutions Presented by: Laura Wilson They say the only constant, is change. That happens with tax reporting requirements and forms as well. If someone in your institution needs the basics or a refresher in managing the requirements of your TIN compliance program, you want them to attend this informative webinar putting tax speak into plain English.
	Levies, Garnishments, Attachments: Developing Bank Procedures Presented by: Ken Golliher This program focuses on developing procedures for dealing with third party claims on customer funds. A variety of claims are possible under state and federal law and there are variations in the specific requirements for handling levies, garnishments and attachments under both state and federal law. This program does not explain the laws of a particular state. Instead, it uses IRS levies as the only example, showing participants how to develop a process for processing claims that they can adjust to comply with the laws of their state. Program materials contain sample procedures.
	Making Sense of the ACH Rules Presented by: John Burnett Abuses in the ACH system have lead to changes in the NACHA rules. You need to understand the process to understand the rules. And this can help you reduce needless losses. Protect your institution, and your customer, learn the rules and resources.
	ODP or Not, Are You Ready for Reg. DD Changes? Presented by: John Burnett Based on the definition of "promoting an overdraft" that is effective now, and mandatory on July 1, your bank may have additional disclosures to make, or to avoid, in order to comply with the Reg. DD changes. Are you ready? Are you sure? Join John Burnett for an information packed two-hours that is designed to provide you with practical application of the new rules and what you must ensure is done to comply. This is NOT a back-burner issue and you must be in the final steps of preparation now so that you know what can be said, must be said, and shouldn't be said if you don't want to have an ODP.
	Overdraft Marketing and Policies – Adapting to the New Rules Presented by: Ken Golliher and John Burnett Two recent regulatory issuances significantly influence financial institutions marketing Overdraft Protection Programs. There are also provisions that can affect the overdraft policies and procedures at all institutions, and make changes in advertising requirements for deposit accounts. Regulatory guidance on ODP programs and recent amendments to Regulation DD combine to affect virtually every institution in some way.
	Regs. D & Q – NOWs, Monitoring, Penalties and More Presented by: John Burnett If there are "staple" regulations, D and Q may be them. They have been with us a long time and they don't get a lot of press because violations of these regulations aren't sexy enough for the press, if they're even disclosed.But they can be very costly violations nonetheless and if there are problems not addressed, these can present hard lessons you'll never forget. 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. If you have any doubts about what Regs. D and Q mean to you, this training is a must.
	A - Z of Reg DD Presented by: Andy Zavoina Regulation DD has been with us for a few years, yet we continue to have misunderstandings about the requirements of APYs, subsequent disclosures and the delivery of time deposit notices as well as the payment of interest. This two hour program will review the regulation from front to back with an emphasis first on the technical requirements met by new accounts staff and others, and then on what to audit, how and use of tools available to assist you.
	Sharing Customer Information with Affiliates and Third Parties Presented by: Jack Holzknecht Do you really know when your institution can share customer information, and with whom? Different rules apply to sharing with affiliates of your institution and to sharing with other parties. In fact, one set of rules is changing, or will be if regulators get around to finalizing their rules. Join Jack Holzknecht for his information-packed two-hour webinar to get the latest scoop on privacy and affiliate-sharing rules.
	Top Compliance Mistakes - Operations Presented by:Mary Beth Guard and John Burnett What can be better than learning about today's problem areas of operational compliance from Mary Beth Guard and John Burnett who have years of experience, have spoken with regulators and read and responded to hundreds of questions online as well; not even sliced bread. Learn from others mistakes before they're your mistakes. Gain the confidence that the violations being found elsewhere won't be found in your shop.
	Keeping Bank Secrets: Things You Can Go to Jail for Telling Presented by: Mary Beth Guard "It's so easy to imagine how a bank employee could innocently - perhaps even with the best of intentions - mention something to another employee, or, even worse, directly to a customer, that would violate the law. In the case of the recently convicted loan officer, the subpoenas pertained to a customer whose personal and company debt to the bank amounted to more than $3 million. It was understandable that the loan officer wanted to get to the bottom of what was going on. Unfortunately, in doing so he ran afoul of the prohibition against disclosure that applied to the subpoena. The only way to avoid a similar problem is through appropriate training."
	Web Site Auditing Presented by: Andy Zavoina Risks are increasing as banks increase the functionality of their sites and customers go to your web address more than your branch. 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.