View All

	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.
	ACH Returns Presented by: John Burnett It's more critical than ever that you understand how to manage your ACH returns! Using the wrong return reason or missing a return deadline can mean losses for your institution.
	ACH: Performing Both a Self-Test and Compliance Audit Presented by: Andy Zavoina 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. You realize that the ACH audit is associated with BSA/AML, consumer protection regulations, information security and more. And this webinar is going to roll these together where they touch, so you get the most out of your time and your resources. And it all starts with just a two hour webinar.
	Avoiding Losses on Treasury Checks Presented by: Mary Beth Guard and John Burnett This training provides a comprehensive look at what every financial institution should know about these special checks. In particular, it will include a review of the Treasury check regulations, from describing the requirements for endorsing Treasury checks, to detailing the methods used to recover losses when checks are lost or stolen and negotiated fraudulently.
	Auditing Deposit Products Presented by: Andy Zavoina Why is auditing your deposit products like managing a trip to the moon? If you are off by a quarter of a degree, at first it doesn't matter, but when you get to where the moon was supposed to be, it is a big deal. With so much time between exams, auditing your deposit products has never been more important. A failure in one area can cause substantial problems by the time it is found, if you aren't detecting and correcting on a regular basis. Systems changes, personnel changes, training, procedures and more influence your compliance rating. Learn the right way to audit the deposit side of the bank including what regulations, when, with what resources, who to report to and how to correct the problems.
	Bogus Cashier's Checks: Protecting Your Bank and Customers Presented by: John Burnett a Counterfeiting of cashier's checks has become a major fraud "industry" that costs U.S. consumers – and their banks -- millions of dollars each year. Yet there are steps bankers can take to reduce their exposure to these losses, and protect their depositors at the same time. 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.
	Contests, Bonuses, Sweepstakes and Lotteries: How to push the envelope and still be legal Presented by: John Burnett and Andy Zavoina 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. The rules are complex and strict. You can't get away with just anything you want to do. So if you're going to use these lures to attract customers, you'll want to be sure to attend this webinar.
	Issues with Deceased Customers Presented by: Mary Beth Guard and John Burnett When your customer passes away, you have issues that must be addressed. It doesn't help that the customer has little or no knowledge about paying "old" checks signed by the deceased or the acceptance of deposits payable to them. They want funds to handle immediate needs. They need guidance. What can you do? This requires that you have knowledge, and in advance. You will instill confidence when you demonstrate knowledge in these affairs, and you will reduce or eliminate the legal, monetary and reputational risks associated with mishandling accounts owned by a deceased customer.
	Debit Cards Error Resolution Presented by: Andy Zavoina and David Grodsky Debit card error resolution rules are confusing. There are layers and requirements between Visa or MasterCard and Reg. E. Which applies when, what do I have to do in the investigation, what is best to do, and why can't I just tell the customer to go get their money from the merchant who billed them in the first place? We'll examine and compare your requirements under each of these rules, use real world cases to illustrate them and we'll consider the new business debit card products many banks want to issue. We'll close with what you can expect in an audit from your examining agency, and from the association you opted to do business with.
	Reducing Debit Card and ATM Losses Presented by: John Burnett and Andy Zavoina You have heard that Regulation E is slanted in favor of the consumer. It is. There are times when the regulation requires you to reimburse your customer when common sense argues the other way. But there are things you can and should do, techniques you can use, and tools you can employ, to not only protect your institution from losses, but also your customer. When both your institution and your customer avoid losses, everyone's happier.
	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.
	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.
	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.
	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.
	Beginner Reg E Error Resolution and Chargebacks (Visa and MasterCard) Presented by: David Grodsky With debit card volume now exceeding that of credit cards, the volume of disputed transactions is also rising. It is important for debit card issuers to be vigilant in identifying Regulation E Billing Error claims but the investigation time limits are short and figuring out when and how to use the chargebacks from Visa and MasterCard complicates the issue. The only thing Regulation E does is protect the customer and instruct financial institutions to investigate, not how that investigation should be done.
	Advanced Error Resolution and Chargebacks (Visa and MasterCard) Presented by: David Grodsky Meeting the requirements of Regulation E when a consumer initiates a valid error claim is only the first step towards resolving the claim. If a chargeback is involved, the resolution process becomes complicated because now two different time limits apply to the claim, one for Reg. E and the other for the chargeback. Issues such as claims that still qualify for a chargeback but are no longer errors, and where cardholder responses that conflict with merchant-provided information can make resolving the claim properly and timely even more difficult. 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.
	BSA Compliance Management Update Presented by: Ken Golliher 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.
	CIP, Customer Due Diligence and Enhanced Due Diligence Presented by: Ken Golliher BSA's new focus is on account inception. Banks are expected to do more than just obtain the customer's name, address, DOB and identifying number. 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.
	Customer Risk Assessment and Rating Presented by: Ken Golliher Examiners will ask banks for a list of their high risk customers in connection with on-site BSA examinations. "High risk" is no longer determined by arbitrary industry classifications, but by documented analysis conducted by the institution. This webinar shows banks how to organize and implement a system for identifying those customers. It also shows how to tie risk rating to monitoring and provides scalable samples for monitoring customer activity.
	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.
	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.
	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.
	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.
	Managing a Successful Branch Presented by: Honey Shelton The branch manager has to multi-task. To achieve their goals for the branch, and the bank, they must lead their team to success with new ideas, with know-how and with out of the box thinking. They have to invigorate their teams’ morale to boost productivity. 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.
	Opening Business Deposit Accounts: Documenting Existence and Authority Presented by: Ken Golliher 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. It also addresses what types of documentation is necessary to establish signature authority over each type of business account. It identifies any applicable consumer protection laws, but does not include a detailed analysis of their requirements.
	Opening Fiduciary Accounts: Documenting Existence and Authority Presented by: Ken Golliher Representative payee, attorney-in-fact, or convenience signer? What's the difference? This program focuses on the implementation of the financial institution's customer identification program and documentation requirements for fiduciary accounts. It also addresses the types of documentation necessary to establish signature authority over business accounts. It identifies any applicable consumer protection laws, but does not include a detailed analysis of their requirements.
	Opening Personal Accounts: Documenting Ownership and Authority Presented by: Ken Golliher Deposit accounts opened by consumers make up the largest number of new relationships opened by most banks every day. Critical compliance processes, such as the distribution of disclosures and verifying the customers' identity must be completed or the bank can expect criticism in its regulatory examinations and audits. In addition, documents must be executed which will govern the legal relationship with the depositor and provide for survivorship provisions in the event of an owner's death.
	Operations Compliance Annual Recap Presented by: Mary Beth Guard and John Burnett That's what this fast-paced two hour webinar is designed to help you ensure. It's a recap of the rule changes, statutory enactments, regulatory issuances, court cases, and penalty actions from the past year that you can use to keep your operations compliance program on course and steer your institution safely through rough water.
	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.
	Return Items The Paying Bank Perspective Presented by: John Burnett Employees don't need "this is the way we've always done it" but they do need to know the law. John Burnett will discuss real like banking problems and real life answers as he helps you determine who is liable for the check paying problems you see daily. This is an advanced level review into Reg. J, CC, the UCC and FR Operating Circular #3.
	Safe Deposit Compliance & Legal Issues Presented by: Dave McGuinn If an employee of your institution or a customer has a safe deposit question, where do they turn? Times change and so do laws. Even though there isn't a "safe deposit box regulation", there are laws addressing this and you must stay current on new questions and old. Learn how these affect your safe deposit box area: the USA Patriot Act, Suspicious Activity Reports, Know your Customer, power of attorneys, deceased renters, payable on death leases, living trusts, court orders, Americans with Disabilities Act, past due boxes, abandoned property and many other legal and compliance areas which have caused great concern and confusion for the safe deposit industry.
	Safe Deposit Disasters Spark Lawsuits Presented by: Dave McGuinn Did you inherit the safe deposit area and then start wondering what liability might exist? Historically, this responsibility has been routinely passed from employee to employee with very little attention given to existing procedures or documentation. Unfortunately, only after a disaster or lawsuit occurs does management turn it's attention to this area.
	Managing Your Safe Deposit Area Presented by: Mary Beth Guard and John Burnett Secret contents in little locked boxes - that's your safe deposit area. It can either be a great tool for maintaining in-person customer contact, an opportunity to cross-sell other bank products and services, and a service your customers value - or it can be a worrisome source of potential liability. Solid procedures and training are essential to safely operating the safe deposit area.
	Stop Payments Presented by: John Burnett Once upon a time, stop payments were easy. But it is a new environment with new risks. There are many new debits in the payment system, and you need to be sure that your systems and processes, as well as trained personnel have kept up with all of them. Doing "stops" wrong can be costly. You may pay for items that were not stopped, and should have been. Even when you make a customer whole, they may close their accounts. Loss of funds, loss of reputation; learn to handle stop payments correctly in this changing environment.
	Teller Talk: Legal Aspects of Handling Checks Presented by: Mary Beth Guard and John Burnett Once upon a time, stop payments were easy. But it is a new environment with new risks. There are many new debits in the payment system, and you need to be sure that your systems and processes, as well as trained personnel have kept up with all of them. Doing "stops" wrong can be costly. You may pay for items that were not stopped, and should have been. Even when you make a customer whole, they may close their accounts. Loss of funds, loss of reputation; learn to handle stop payments correctly in this changing environment.
	These People Drive Me Crazy Headache and pain relievers for today's supervisors Presented by: Honey Shelton Some people are hard to work with. But with strong leadership and supervisory skills, influencing people in order to attain a common goal is easier and more effective. This is what being a supervisor is about.
	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."
	Vendor Due Diligence Presented by: Andy Zavoina and Don Pape Vendor due diligence is imperative in today's environment for a number of reasons. In order to service the needs of your customers, including the need for nonbank financial products, if you don't meet those needs, that customer may go elsewhere. If done wrong, it can be very costly in the form of reputational risk and even bank capital which can, and has, led to insolvency. In this webinar we'll review practical cases, planning expectations, selection of a vendor, monitoring your program and the need for documentation.