| Advertising |
 | Advertising Compliance, Avoiding the Pitfalls
Presented by: David Dickinson
Some assume regulatory compliance in advertising must be easy, because everyone has to do it. But that is not the case. Many errors are made. We'll use examples of several of those errors so that you can avoid repeating someone else's mistakes. And armed with citable information, if someone in your institution thinks about stretching the limit, you'll know where to look, what the rule says, and how to work with others on the institution's team to get your message across while staying within regulatory requirements.   We'll look at virtually every regulation affecting your advertising, including ads on your web site. What you can say, what you cannot say, what you must say, and what you must not, will all be discussed. Confusing? Not after you hear the rules in plain English from this nationally known speaker. This 2-hour webinar will help keep the rules straight and will provide useful checklists and other compliance tools to make your job easier, whether you are a compliance professional, an auditor, or a designer of ads in a marketing department.
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 | CAN SPAM and Do Not Call, Addressing these marketing rules
Presented by: Andy Zavoina
Many bankers are up in arms as they receive a request for their Do Not Call policy and a request to be put on their DNC list. Heck, they haven't been calling anyone and didn't plan to. But they soon found out they did have some requirements and avoiding litigation can be expensive. 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.
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 | Freebies, Bonuses & Contests
Presented by: John Burnett and Andy Zavoina
The name of the game is "Get the Customers in the Door." But how do you lure them in? Marketing will have several suggestions and Compliance needs to know how to make those ideas work to get new customers while staying out of trouble with regulators. Should you consider a contest or a drawing? Perhaps a new account bonus will bait the hook? Maybe a sweepstakes or lottery will entice them? Are the rules different for an employee-only raffle that we use to build excitement and sales?
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.
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 | ExSelling: A Sales Workshop for Calling Officers
Presented by: Honey Shelton
This program is about excelling at selling. ExSelling, is about providing calling officers with the information, techniques and strategies they need to carve out the time and invest the effort to keep the best customers and add new ones.
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 | Regulation Z – New Advertising Rules
Presented by: Jack Holzknecht and Mary Beth Guard
On July 14, 2008 the Federal Reserve Board published final revisions to Regulation Z, which, for the most part, take effect on October 1, 2009. While all of the revisions are important, the new advertising rules need immediate attention. Other provisions of the new rules will be covered in future webinars.
Many of you are in the initial stages of planning your 2009 advertising campaign and budget. The changes impact ads for loan products that are broadcasted or distributed in any manner after October 1, 2009. You need to either build the changes into your 2009 ads for the entire year or plan on the expense of retooling ads that run after the October 1st effective date.
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.
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 | Regulation Z – New Rules for Private Education Loans
Presented by: Jack Holzknecht and Mary Beth Guard
Mom, Dad and their 18 year old daughter want to borrow a few thousand dollars for tuition for the daughter's next semester at State University. Do you make loans like this?
The loan is a Private Education Loan (PEL); so, should you:
- Refuse to make the loan;
- Make the loan, but deliver the three new disclosures required by Regulation Z for PELs; or
- Structure the loan so it does not qualify as a Private Education Loan.
This two-hour webinar covers all of the new Regulation Z rules pertaining to private education loans.
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| Article 9 |
 | Repossessions and Sale of Collateral
Presented by: John McGarvey
The most substantial change from former Article 9 to Revised Article 9 of the Uniform Commercial Code is in the new Part 6 on default and enforcement. 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.
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 | Common Mistakes in UCC Filing
Presented by: John Garvey
Mistakes made today in preparing and filing UCC documents can come back to haunt the lender for years after the loan is made.
This two-hour seminar focuses on common errors in preparing and filing UCC documents and the steps necessary to eliminate the errors.
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 | Conducting a Fair Lending Self Assessment
Presented by: Jack Holzknecht
The primary purpose of a Fair Lending Self Assessment is to detect fair lending problems before examiners cite violations, the Department of Justice seeks a consent decree or a consumer hires an attorney to take legal action against your bank. There is not just a single preferred method of conducting the self assessment. Some self assessments focus primarily on statistical analysis, a technique that works best with high volume lenders. Other assessment methods focus on side-by-side file reviews. Some use a combination of techniques.
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.
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| Audit and Internal Controls |
 | ACH: Performing Both a Self-Test and Compliance Audit
Presented by: Patricia Cashman
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.
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 | Auditing: BSA/AML/CIP
Presented by: Patricia Cashman
Your financial institution, no matter how small or large, is required to have regular, comprehensive BSA/AML compliance audits that are fully documented and conducted by qualified parties who are independent of the Bank's business lines and compliance function.
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.
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 | Auditing Deposit Accounts
Presented by: Andy Zavoina
Why we audit:
(1) Your examiners are coming. One of the first things they want to see are your audit reports and workpapers. They test your compliance, based on your test for compliance.
(2) You believe it will be a long time until your next exam. You are concerned about your monitoring program and interim audits. You know that "what gets checked gets done." It's time to check.
(3) You are very concerned about reputational risk. Your board, management and you, all want to know that your procedures and systems are functioning as they are designed to. You need to know that statements are correct, accruals are correct, and account ownership restrictions are correct, plus so much more.
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You face one or more of these scenarios every day. 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.
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 | Auditing for the "Orphan" Compliance Regulations
Presented by: Patricia Cashman
With all of the "press" being given to the mortgage crisis and the resulting changes to lending regulations, it is easy to forget that your financial institution must remain vigilant on all compliance issues. But allow just one employee to incorrectly provide a federal agency with a copy of a consumer's bank statement and your financial institution can be making headlines for all of the wrong reasons.
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.
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 | Auditing HMDA - Making it Right
Presented by: Patricia Cashman
The Home Mortgage Disclosure Act (HMDA), implemented by the FRB's Regulation C (12 CFR Part 203), requires covered financial institutions to compile and disclose data about home purchase loans, home improvement loans, and refinancings that they originate or purchase, or for which they receive applications. In addition, several loan applicant/ borrower characteristics must be reported.
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.
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 | Holds, Check 21, & More - Auditing for Regulation CC
Presented by: Patricia Cashman
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.
This session is designed for:
- Compliance auditors who want to either understand the complexities of this audit or simply refresh their skills.
- New and experienced compliance officers who are looking for a resource to strengthen their Reg. CC program
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 | Combatting Internal Fraud Before it Happens
Presented by: Barry Thompson
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.
This program will give you vital information on how to organize your bank before an internal fraud happens.
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 | Compliance Auditing
Presented by: Andy Zavoina
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.
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 | Consumer Closed-End Loan Files: Performing a Compliance Audit
Presented by: Patricia Cashman
An auditor must understand which sections of which regulations are applicable, to effectively perform a compliance audit of a consumer closed-end loan (non-real estate). Determining the source of errors and violations can assist your institution in effecting prompt and appropriate corrective action.
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.
This session will assist you in:
Developing or adapting workpapers that adequately document the audit work performed and support the audit reports;
Reviewing the files for applications, initial disclosures, and closing documents; and
Preparation of written conclusion summaries, recommendations for corrective action and communications of your findings to management.
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 | Getting the BSA Audit Right
Presented by:
Kathleen Blanchard
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.
This webinar will assist banks in:
· Evaluating the scope of the audit
· Determining the adequacy of transaction testing
· Evaluating the adequacy of the bank's risk assessment
· Ensuring that ongoing monitoring covers all areas that present risk to the bank so that there are no gaps where suspicious activity could go unnoticed
· Assessing the adequacy of the written BSA/AML/OFAC program
· Assessing the adequacy of the bank's BSA training program and related documentation
· Evaluating the written report and audit workpapers
· Considering the benefits of external vs internal audits
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 | New Headaches in Auditing Residential Real Estate Loans - Changes to RESPA and Reg Z.
Presented by: Patricia Cashman
Just when you thought it was safe to turn your back on your audit workpapers, audit plan, and procedures, along come serious changes to both Regulation Z and RESPA!!!!
You have a couple of choices: You can cancel your vacation, retire to the North Pole or sit in on this informative webinar. Whether you audit by regulation or by function, and whether you are an internal auditor or an outsource vendor, this program will help you to develop an audit program that will address all of the applicable changes. Sample workpapers are provided to get you started.
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 | Residential Real Estate Loans: Performing a Compliance Audit
Presented by: Patricia Cashman
To effectively perform a compliance audit of a residential real estate loan, you must be part detective and part mind-reader. A single residential real estate file can be covered by numerous consumer protection laws and regulations - Reg. B (ECOA), Reg. C (HMDA), Reg. Z (TILA), Fair Housing Act, and Flood Disaster Protection Act for starters. The applicability of any law depends on various factors that may, or may not, be evident in the loan file.
You can be a "fault-finder" or become an important part of your institution's risk management plan. An effective audit program can reduce potential liability, in addition to the amount of time examiners will spend in your boardroom. Determining the source of errors and violations can assist your institution in affecting prompt and appropriate corrective action.
Whether you audit by regulation or by function, and 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.
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 | Stealing from Within: Embezzlement & Data Theft
Presented by: Susan Orr and Dana Turner
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.
Embezzlement and data theft aren't just banking crimes, either. Data theft is often experienced by the institution's clients -- conservatorships and trusts, home health care workers, retail stores, restaurants, insurance, companies, auto dealerships -- just about any industry you can think of. Theft of an employer's identity and data has become one of the most prevalent crimes affecting financial institutions. This presentation provides a basic methodology and appropriate techniques for identifying potential -- and practicing -- data thieves who commit embezzlement.
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 | X Marks the Spot: Auditing for RESPA
Presented by: Patricia Cashman
Without the assistance of an "official staff commentary," understanding HUD's Reg. X, RESPA, is like going on a treasure hunt without the map. Performing a compliance audit for RESPA can be filled with trap doors and snares. Which loans are covered and by which sections? What triggers the "3 days" for some disclosures and "same day" for others? How much variance between the GFE and the settlement statement is okay and how much is too much? To protect a financial institution from getting lost along the way, its auditor can guide it through the RESPA maze to a real treasure - a fully compliant transaction.
RESPA has new rules. This webinar is on what you have to be doing to comply with those new rules.
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| Bank Secrecy Act and AML |
 | BSA/AML 101: Back to Basics
Presented by: Patricia Cashman
Maybe you missed a meeting, raised your hand at the wrong time, or possibly you enjoy a challenge and volunteered. However it happened, you find yourself with the new title of BSA/AML officer. Oh, my!
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.
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 | BSA/AML Compliance for Directors
Presented by: Ken Golliher
Your board of directors reviews your bank's risk assessment, approves its BSA/AML policy and receives information about its SAR filings. Can they reasonably be expected to perform those functions without training that enables them to understand those responsibilities?
No other federal regulation contains more stringent, enforceable training requirements than those relating to Bank Secrecy Act (BSA) compliance. Each segment of your employee population must have training that is designed to meet their particular needs for comprehension of their BSA/AML responsibilities. Board members have training needs just like every person connected to BSA/AML compliance.
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.
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 | BSA/AML Compliance for Lenders
Presented by: Ken Golliher
To be effective, training must be specific to the particular audience involved. Examples must be relevant and relate the subject matter to corresponding regulatory requirements. 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.
The interagency BSA/AML Examination Handbook clearly indicates that all training should be tailored to a person's specific responsibilities and encompass information related to applicable business lines. Lending personnel are prime examples. Their training must allow them to relate the requirements of the regulation to their daily responsibilities.
The program is designed as an introduction to BSA/AML compliance for bank personnel who have responsibilities related to loan and loan administration. Program content is at the basic or intermediate level.
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 | BSA/AML Compliance - Recent Developments & Common Errors
Presented by: Ken Golliher
No other federal regulation contains more stringent, enforceable training requirements than those relating to Bank Secrecy Act (BSA) compliance. Even experienced personnel are expected to maintain their knowledge level with ongoing education. However, sometimes sitting through a full day BSA program leaves experienced personnel hoping for "knowledge nuggets" between the reviews of long-standing requirements.
This program is designed to make that continuing education requirement more efficient and effective. However, the manual is the one that the presenter uses in a full day seminar. It is approximately 125 pages long and includes a full review of BSA requirements. However, this session focuses on specific pulse points in BSA compliance, including FinCEN's recent announcement that it will substantially simplify the CTR exemption process.
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 | BSA/AML/OFAC Policies: What should they include? How should we say it?
Presented by: Ken Golliher
Are your BSA/AML/OFAC policies the product of several authors? Have they had amendments and new paragraphs plugged in to the point where they are the literary equivalent of one of those cars where all the doors and fenders are the right model and year, but each one is a different color? Have you ever thought of just starting over from scratch or at least wished you had some language for comparison purposes? Here's your chance!
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.
Program materials include sample provisions regarding each critical domestic policy element and those sample provisions are the subject of a critical analysis during the program.
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 | Updating Your AML Program - CIP, Customer Due Diligence and Enhanced Due Diligence
Presented by: Ken Golliher
Recent Interagency Guidance clearly indicates banks should identify the "beneficial owners" for higher risk customers through their due diligence processes. Banks that have followed the practice for years refer to it as "drilling down," attempting to identify their real customers; i.e. the individuals who control the business. This element of "due diligence" is one of the key components of every bank's anti-money laundering program. It supplements the bank's customer identification program and paves the way for enhanced due diligence when necessary.
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.
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 | CTR: Form Completion
Presented by: Ken Golliher
How many Currency Transaction Reports (CTRs) does your institution file each year? What is your error rate? Are the queries sent back to you by the Detroit Data Processing Center indicative of "errors" on the part of your personnel, or faulty information provided by those conducting large currency transactions? Do you have any idea how many work hours are spent in pursuing corrections or providing additional information? Can you imagine how many hours would be saved if your CTRs were completed correctly, the first time?
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.
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 | Customer Risk Assessment, Rating and Monitoring
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.
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| Getting the BSA Audit Right
Presented by:
Kathleen Blanchard
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.
This webinar will assist banks in:
· Evaluating the scope of the audit
· Determining the adequacy of transaction testing
· Evaluating the adequacy of the bank's risk assessment
· Ensuring that ongoing monitoring covers all areas that present risk to the bank so that there are no gaps where suspicious activity could go unnoticed
· Assessing the adequacy of the written BSA/AML/OFAC program
· Assessing the adequacy of the bank's BSA training program and related documentation
· Evaluating the written report and audit workpapers
· Considering the benefits of external vs internal audits
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 | Updating Your BSA/AML/OFAC Risk Assessment
Presented by:
Ken Golliher
Are you looking for an efficient, focused approach to updating and critiquing your BSA, AML and OFAC risk assessments? Here it is! Banks are expected to conduct routine risk assessments regarding the "quantity" of risk their institution incurs in relation to Bank Secrecy Act compliance as well as their exposure to money laundering and terrorist financing. An OFAC compliance risk assessment is also expected. In both cases, the assessment must be documented; i.e. in writing. These assessments have a relatively short life expectancy, generally 12 to 18 months. Examiners and independent auditors will request a copy of the current version at the inception of on-site BSA/AML examinations. This webinar shows participants how to gather the necessary information and develop an appropriate document that serves as a valuable resource for their institution. Perhaps of more importance, it focuses on how banks can build a structure that makes the reviews and updates easier by creating a data base of relevant information from prior reviews. It also has a section on how to use board reports to keep the board abreast of relevant risk related information throughout the year.
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 | 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."
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 | Keeping Bank Secrets: Things You Can Go to Jail for Telling (Institution-Wide Edition)
Presented by: Mary Beth Guard
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 employees.
"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."
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 | MSBs/NBFIs: Doing it Right
Presented by:
Ken Golliher
Conducting and documenting the required risk assessment on NBFIs and MSBs (as well as other individuals and entities "of interest") is a focal point of the recently revised BSA/AML examination procedures. Identification of all high risk customers is also an essential prerequisite to performing the bank's "risk assessment," another focal point in the revised examination procedures.
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 | Nailing Gelatin to a Wall – Monitoring E-banking Activity for Fraud & AML Activity
Presented by:
Patricia Cashman
Have you ever tried to nail gelatin to a wall? Getting the nail through the gelatin is not the problem. Rather, the challenge is in getting the gelatin to stay put once that nail is in place. Monitoring those elusive e-banking products such as ACH transactions, remote deposit capture (RDC), wire transfers, on-line activity, etc can be difficult to "pin down". But BSA/AML & FACTA's Red Flag Guidelines require that you recognize these high-risk activities and then set about mitigating those risks. Additionally, the FFIEC has issued guidance on risk management practices for RDC. The federal regulators have publicly warned financial institutions of the inherent risks of ACH activity without enhancing existing risk management systems and controls. 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
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 | Insider Tips on Banking MSBs
Presented by: Ryan Rasske
The risk of banking Money Service Businesses (MSBs) is not new, but the methodology to control this particular risk changes all the time. Several banks approach MSB customers with extreme caution and continue to struggle with developing a risk-based program to open or maintain MSB accounts. While specific components of banking MSBs are relatively clear (e.g., confirming registration with FinCEN), banks' risk assessments of MSB customers continue to frustrate compliance officers.
During this session, you will hear "Insider Tips" focused on managing the level of risk for each MSB customer. The MSB industry is extremely diverse and the level of risk depends on the company's volume, customer base, geographical location and types of products or services they offer. The Insider Tips will guide financial institutions through the process of developing an MSB program that will satisfy their regulatory requirements.
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 | Insider Tips - Bank Secrecy Act
Presented by: Patricia Cashman
You are ready to celebrate! Pop the cork on the bottle of bubbly, take a day off and start working on that request for a raise. 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. This session will assist you in:
- Best practice suggestions to enhance your "near perfect" program
- Ideas for obtaining cooperation from all business lines
- Documenting some of the steps you are already taking (if it ain't in writing, it didn't happen!)
- Finding hidden nuggets in the FFIEC's Bank Secrecy Act/ Anti-Money Laundering Examination Manual
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 | Preparing For Your Next On-site BSA/AML Examination
Presented by: Ken Golliher
BSA/AML/OFAC examinations have a significant impact on the rating given to your bank's management in a safety and soundness examination. With the advent of homogenized examination procedures, on - site examinations are increasingly predictable in their scope and content; i.e. it is easier to prepare for an examination than it once was. This Webinar focuses on the things your institution can do to anticipate and facilitate the on - site examination. It will help you organized your thoughts and your compliance efforts in anticipation of critical analysis by a third party.
This webinar focuses on how to prepare for an on - site examination for Bank Secrecy Act (BSA) and anti-money laundering (AML) and OFAC (Office of Foreign Assets Control) compliance programs.
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 | Recognizing Suspicious Activity
Presented by: John Burnett
Your anti-money-laundering program must include the human element – your institution's staff. Frontline personnel are the linchpin of every successful AML program.
They are the "eyes and ears" of your organization, the sources for some of your most valuable "intelligence" in the ongoing battle to detect and report suspicious activity. Training your staff to recognize suspicious activity is a daunting challenge. It's so much more than warning them about structuring! You need to make the training experience real and meaningful for them.
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 | Revised BSA/AML Examination Procedures: Preparing for Your Next Examination
Presented by: Ken Golliher
This July, the regulatory agencies issued revised Bank Secrecy Act (BSA) / Anti Money Laundering (AML) examination procedures, updating procedures issued only last year.
This webinar that shows you how to use those revised examination procedures to evaluate and improve your BSA and AML compliance and audit programs. It puts you in a position to use the procedures defensively, developing programs that anticipate rather than react to regulatory evaluation.
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 | SAR Case Studies
Presented by: Andy Zavoina
Don't be sorry over SAR filing. Review the case studies and learn what is being done right and wrong before someone points to your SAR and asks "what were you thinking?"
This informative 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.
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 | SAR Decision Making and Documentation
Presented by: Ken Golliher
You may know how to fill out the form, but do you have a SAR filing structure that a third party reviewer can recognize and evaluate? If so, how well does that structure work? Can you show evidence of an objective, consistent process for making SAR decisions, one so effective that it allows you to explain why your institution did not file a SAR?
Effective suspicious activity reporting requires a dependable flow of information leading from a wide variety of sources; e.g. tellers, CSRs, legal process clerks, loan officers, operations personnel, etc. to an individual or group that makes SAR filing decisions. Those decision makers focus on 1) whether the activity is suspicious and 2) whether a Suspicious Activity Report (SAR) filing is required or advisable. That decision making process must be well documented, particularly in circumstances where a decision is made not to file a SAR.
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 | Suspicious Activity Reporting: Form Completion
Presented by: Ken Golliher
This webinar focuses on how depositary institutions are to complete the Suspicious Activity Report (SAR), Form TD F 90-22.47. SAR filing is required in regulations promulgated by the federal functional bank regulatory agencies as well as regulations interpreting the Bank Secrecy Act (BSA) issued by the Financial Crimes Enforcement Network.
More than 730,000 SARs were filed in 2008. Regulators are increasingly focusing on "SAR quality" in their on site reviews. SAR completion is the end result of a time consuming and expensive process of monitoring and evaluating customer activity and should reflect the depositary institution's best efforts. This program describes how to properly complete the form and make it an effective vehicle for delivering information to law enforcement. It places a significant amount of emphasis on writing the SAR narrative and clearly describing the supporting documentation.
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| IRAs |
 | IRAs -- The Basics
Presented by: Patrice Konarik
Congratulations! You have received that great promotion to IRA coordinator. One problem - you barely know what those three letters "IRA" mean. Oops - another problem - the previous IRA Guru at your bank walked off the job, moved to Tahiti and left no forwarding address.
You are on the ground level and those steps to the next level of knowledge seem awfully steep. The session is intended for the new IRA representative as well as all experienced IRA-involved employees who would like a refresher on the most recent IRA plan rules and regulations.
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 | IRAs -- Essential Issues of IRS and Customer Year-End Reporting
Presented by: Patrice M. Konarik
Nothing brings greater fear than the possibility of facing off with the "Big, Bad IRS" at reporting time - especially regarding IRAs. The insecurities that may surface are: - Did we do it right? - Is the customer going to get a letter from the IRS? - Is the bank going to get penalized if everything's not correct?
In this two hour webinar we will cover these compliance issues:
Reporting IRA activity and year end balances to the customer
Reporting IRA distributions to the IRS and the customer
Required minimum distribution notification
Federal withholding annual notification
Details of 1099-R and 5498 reporting and deadlines
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.
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 | IRA Advanced - Technical Clarifications
Presented by: Patrice Konarik
Are you ready to climb to the next level of expertise? You've probably heard some of the "creative" interpretations of the most recent IRS regulations regarding IRAs. Some of the provisions of the Pension Protection Act of 2006 and the Tax Increase Prevention and Reconciliation Act of 2005 have been pretty misunderstood.
If you would like an intermediate level Webinar that will explain the more technical areas of the IRA world, this is the one for you. In order to follow this informative session, it is recommended you have a working knowledge of IRAs or have attended the IRA Basic session.
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| Privacy & Legal Searches |
| 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."
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| Keeping Bank Secrets: Things You Can Go to Jail for Telling (Institution-Wide Edition)
Presented by: Mary Beth Guard
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 employees.
"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."
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 | New Privacy Notices: What You Need to Know
Presented by: Mary Beth Guard and Carl Pry
Throw out your old GLB privacy notices! A new Interagency rule eliminates the safe harbor for the old sample clauses and adopts a new model privacy form that financial institutions may rely on as a safe harbor to provide initial and annual privacy disclosures to customers. That means it's back to the drawing board for drafting your notices, and the sooner you begin, the better.
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.
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 | Subpoenas, Summonses and Search Warrants
Presented by: Mary Beth Guard
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.
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| Deposit Operations |
ACH ATM & Debit Cards BSA/AML Branches & Frontline
Checks Compliance Other
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| ACH |
 | ACH—Managing the Risk
Presented by: Patricia Cashman
The number of ACH payments in 2008 topped 18.2 billion! The FRB expects nationwide ACH volumes to continue growing at double digit rates. That volume and dollar amount has resulted in new favorite buzz terms, "risk assessment" and "risk management," being used by the regulators in connection with ACH Activity.
Your institution's ACH risk assessment is a critical component of an effective ACH risk management program. The Board of Directors will rely on the ACH risk assessment to determine their "appetite" for risk in this area. Internal/external auditors and examiners will rely on the same risk assessment to determine the adequacy of the institution's policies, procedures and internal controls.
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 | ACH: Performing Both a Self-Test and Compliance Audit
Presented by: Patricia Cashman & Sheree Ulmer
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.
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 | Making Sense of the ACH Rules
Presented by: John Burnett
The Federal Reserve recently reported that more than two thirds of all U.S. non cash payments are electronic. In a bid to solidify the Automated Clearing Houses role in the payments industry, the National Automated Clearinghouse Association (NACHA) has made significant inroads into the traditionally paper based payments sphere, making check conversions one of the industry's major success stories. Now that billers and retailers have shown themselves ready to adopt check conversion as an efficient and cost-saving method for receiving payment, NACHA last March rolled out yet another form of check conversion the Back Office Conversion (BOC) to provide retailers a less expensive way to employ check conversion technology to squeeze out float and paper check processing costs.
You need to understand the process to understand the rules. This webinar gives you the information you need to understand the rules that apply to ACH entries.
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| ATM and Debit Cards |
 | Controlling Card Program Fraud Losses
Presented by: Allan Trosclair
Do you really understand card fraud and how it effects profitability? What processes do you have in place to detect fraud? Do you know what your processor is doing on your behalf to protect your portfolio? Can you measure fraud? What tools are available to control losses? Once you have detected fraud and resolved the matter, can you recover any of the losses?
While regulatory compliance is a major concern for financial institutions, the mechanics of operating a successful card program are also important. You should understand how losses occur, what tools are available protect the program and how to successfully apply the tools/programs.
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 | Debit Card 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.
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 | 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.
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 | 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.
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 | Overdrafts—New ATM and Debit Card Rules
Presented by: John Burnett
If you thought that the statement totals and automated system balance rules under Regulation DD were the latest word on overdrafts, brace yourself for another set of changes. The Federal Reserve has just released a Final Rule amending Regulation E to require an opt-in right for consumers before banks can charge fees for paying overdrafts triggered by ATM and one-time debit card transactions. This new rule could have operations and systems implications, and will impact fee income at many institutions.
This two-hour webinar provides the information your institution will need to comply with the new Regulation E requirements becoming effective July 1, 2010.
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 | 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.
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| BSA/AML |
 | 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.
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| 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.
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| Branches and Frontline |
 | Deposit Account Closings and Changes
Presented by: John Burnett
The longer an accounts stays with your bank, the greater the likelihood that you'll be asked to change a depositor's name on your records, or to add an owner or signer. Eventually, there will come a request to remove an owner or signer, and, perhaps, to close the account altogether. Requests can come from your customer or from a third party, such as a guardian, conservator, or trustee in bankruptcy. It's important that you are well-equipped to handle these requests correctly. That means understanding the purpose of the request, and knowing how to translate the request into the correct actions to take: actions that address the request while mitigating the risk of future problems for the bank.
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.
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 | Deposit Insurance: What Customers Should Know
Presented by: John Burnett
Depositors, both bank customers and credit union members, need to have accurate information about deposit or share coverage from the FDIC and the NCUSIF. They need to know what Congress, the FDIC and the NCUSIF have done to help stabilize depository institutions and to improve the reach of federal deposit coverage. That is true in a stable economic environment; it is critical in times of economic uncertainty. When members or depositors ask your frontline personnel about insurance coverage for their funds, the message your employees deliver can be reassuring or heighten their concerns. It can lead customers to make enlightened choices, or wrong choices.
The deposit and share insurance regulations are complicated. Recent amendments to the regulations have changed some fundamental insurance rules. Your customers and members may be working with outdated --and misleading -- information that could result in bad decisions. 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.
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 | Deposit Insurance: What You Need to Know NOW - UPDATE
Presented by: Mary Beth Guard
You're still absorbing the FDIC's recent changes to "simplify" insurance coverage for POD and revocable trust accounts, but things aren't about to slow down! Congress has stirred the pot by adding a temporary increase in deposit account insurance coverage, just to keep you on your toes. These two major changes, which are mirrored in NCUA changes for federally-insured credit unions, promise to create new confusion for your frontline staff, as they strive to answer the increasing flood of customer questions about deposit coverage. Top that off with the FDIC's changes to coverage of mortgage servicing accounts and the announcement of full insurance coverage (for FDIC-insured banks) of non-interest bearing transaction accounts.
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.
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 | 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.
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 | Opening Business Deposit Accounts: Documenting Existence and Authority
Presented by: Ken Golliher
Accounts opened for businesses pose a number of challenges. The real operating risks incurred by any bank are in assuring that
the business exists and that individuals on the opposite side of the desk are empowered to act on behalf of the business.
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. This element helps attendees realize that while some businesses are a simple extension of a single owner, others are a completely separate legal entity; i.e. in those cases, it's the business that is the customer, not the person across the desk. Secondly, the program addresses how a business documents its delegation of authority to its employees.
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 | Opening Fiduciary Accounts: Documenting Existence and Authority
Presented by: Ken Golliher
A "fiduciary" is a person who stands in a special position of trust to another person. The fiduciary's responsibilities are readily translated into legal requirements that fiduciaries must fulfill, always being certain that their actions are well documented and bear in mind the best interest of the person on whose behalf they are acting.
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.
The expected audience is frontline personnel who routinely open deposit accounts for fiduciaries and those who supervise this function. The program will also benefit those who audit or review the account opening process for quality control. Program content is at the basic or intermediate level. Program content does not reflect the laws of a particular state.
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 | 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.
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| Checks |
 | 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.
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 | Bogus Cashier's Checks: Protecting Your Bank and Customers
Presented by: John Burnett
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.
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| Check Fraud Detection and Prevention
Presented by: Greg Benson
The best way to prevent check fraud is to know how to detect and prevent it. 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. We will also discuss how Regulation CC often helps make cashier's check fraud easier for the "bad guys" and how there is a little-known or used provision in Regulation CC that may allow you to place exception holds in excess of the limits stated in the regulation.
We will also discuss how to deter fraudulent money orders and travelers checks. As another added value of the session, we will offer up some valuable, simple and easy training ideas for your bank on how to detect and prevent check fraud.
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 | Dealing with Forged Checks
Presented by: Mary Beth Guard
Avoiding losses on problem checks requires you to know what your rights and responsibilities really are under Articles 3 and 4 of the Uniform Commercial Code. Who was supposed to do what, and when, and what are the consequences for failing to do so? Who's liable?
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 | Regulation CC - After Fed Consolidation
Presented by: John Burnett
The nonlocal check is now a thing of the past, and that means there are a lot of changes affecting disclosures and limits on case-by-case and exception holds. We will focus on what has changed, what is likely to change, and what remains unchanged in Regulation CC in this presentation. Regulation CC is loaded with details that you have to understand to keep your institution out of trouble with your regulator and your depositors. 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.
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 | Return Items: The Depositary Bank's Perspective
Presented by: John Burnett
One of your business customers wants to create and deposit with you unsigned paper drafts against its customers' accounts at other banks. What steps should you take to protect your bank from loss? One of these drafts is returned to your bank two months after your customer deposited it. What are your options? While the vast majority of checks are paid on presentment, handling charged-back return items customer complaints about them consume a lot of your staff's time. 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.
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 | Return Items: The Paying Bank Perspective
Presented by: John Burnett
# A customer calls to stop payment on a check on his account. You look the check up and see that it was presented yesterday as an in-clearing item. Is the stop payment timely, and can you return the check?
# How should you return a check drawn on an account that has been attached by a creditor?
# Can you return a check that your customer claims was never authorized if, instead of a signature, the words "Authorized by your customer, no signature required" appear?
# Who's liable if your business customer claims that he's found 15 checks on his account that she thinks were forged by her office manager six months ago?
Handling return items at the paying bank is a lot more than reviewing the overdraft lists for checks to be returned. There are stop payments, remotely created checks, checks presented both in paper and ACH format. That's just the fun stuff! You need the know the legal framework for your bank's liability for paying altered or unauthorized checks, too.
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.
# As we do that, we'll be discussing:
- checking endorsements,
- standard return reasons,
- the "midnight deadline," which return items must meet it,
- warranties by returning banks,
- unauthorized drafts vs. "buyer's remorse"
- what are expeditious methods for return,
- providing notice to the depositary bank of large dollar return items,
- returning items "with entry,"
- returning items "without entry;" i.e. "bank to bank,"
- when the other bank refuses: alternatives to "without entry" returns
- sample letters for "bank to bank" returns,
- sample affidavit of forgery or alteration,
- sample "unauthorized" affidavit for remotely created checks
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| Compliance |
 | A - Z of Reg E
Presented by:Andy Zavoina
Reg. E has changes on the horizon. Are you up to date? There are new overdraft rules as well as gift card rules that you have to comply with in just a few months. Plus, it is a fact that debit card use is increasing and many of these transactions are for very small purchases. This increase in volume means an increase in claims. When there is a loss, who loses the money? In most cases you already know, you do! The question is, are you charging off more than you need to or reimbursing customers for less than you should?
We will review the meat of Reg. E, in addition to the claims. The disclosures and new opt-in rules will be briefly discussed and we'll explore the claims process so that you can determine the cost effectiveness of taking a claim, investigating and going through the necessary steps to communicate with your customer. At what point is it just cheaper to pay the claim and what safeguards should you take to avoid abuse?
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 | Account Restrictions: Savings/MMDAs, CDs and Interest on Checking
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.
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 | Annual Operations Compliance Recap
Presented by: Mary Beth Guard and John Burnett
Statement changes. Restrictions on balance information. New limits on overdraft fees. ACH fraud. Internet gambling. OFAC. Privacy. ATM notices. Check processing consolidation.
Anyone who believes that all the change last year was on the Lending side of the house hasn't been paying attention! Have you been keeping up with the changes affecting Operations?
That's what this fast-paced two hour webinar is designed to help you ensure. It's a recap of the operations-related rule changes, statutory enactments, regulatory issuances, court cases, and penalty actions from the past year, to keep your compliance program on target.
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 | e-Disclosures, ESIGN, UETA and Regulatory Changes
Presented by: Andy Zavoina
Are you switching from paper to electronic delivery of statements and other frequent communications? Countless millions of statements and other official messages flow through the U. S. mail each month. By converting even a small percentage of these paper communications to e-delivery, your institution stands to save serious amounts of money.
Why aren't more financial institutions switching to e-delivery? Simple--compliance problems. Regulations DD, E, and Z require that periodic disclosures (statements) must be "written." Unless your institution's e-delivery system meets the difficult and confusing standards set by the federal ESIGN Act, you may face enforcement actions and civil penalties. 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.
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 | Reg E Claims - Approvals and Denials
Presented by: Andy Zavoina
The proper handling of Regulation E error resolution claims is critical to your institution. It continues to be a hot topic with examiners because it involves consumers' rights and money.The complicated regulatory requirements can cause confusion and mistakes unless staff members who handle the process are well trained and know the regulatory requirements.
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). You'll get information on critical issues in the resolution process, such as paying provisional credit, customer notifications, amounts to be refunded, and when and how much may be withheld from any refund.
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| Other |
| Auditing Deposit Accounts
Presented by: Andy Zavoina
Why we audit:
(1) Your examiners are coming. One of the first things they want to see are your audit reports and workpapers. They test your compliance, based on your test for compliance.
(2) You believe it will be a long time until your next exam. You are concerned about your monitoring program and interim audits. You know that "what gets checked gets done." It's time to check.
(3) You are very concerned about reputational risk. Your board, management and you, all want to know that your procedures and systems are functioning as they are designed to. You need to know that statements are correct, accruals are correct, and account ownership restrictions are correct, plus so much more.
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You face one or more of these scenarios every day. 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.
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| Bank Operations -- Going Paperless
Presented by: Paul Carrubba and Dan Fisher
Go green! Go paperless!" Has your bank decided to start the journey toward elimination of paper check processing? >Like any trip into unfamiliar territory, the decision to go paperless is not without its risks. Mistakes can be costly, both in dollars and in customer relations. You need to know the things you need to include (and what to avoid) in contracts with customers and vendors, and to recognize the risks you need to address as you map out your plan to start eliminating paper checks from your payment processing environment.
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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.
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 | How Will Your Remote Deposit Capture Program Stand up to Examiner Scrutiny?
Presented by: Susan Orr
It's been over a year since the FFIEC released its guidance on Remote Deposit Capture Risks and Mitigation. However, since the release of the guidance financial institutions have been more focused on the financial crisis than getting their RDC program implemented properly and addressing the requirements of the guidance. But even with the financial turmoil and the lack of the release of the examination work program, examiners and more specifically auditors have been reviewing RDC operations. A main focus has been on how the institution is monitoring RDC activities, how exceptions are handled, what security controls are in place, merchant assessments and selection processes, and on management's oversight.
Remote deposit capture has become a generic term for merchant capture; however, the guidance specifically states that regulators are applying a much broader approach and include not only merchant capture, but also, branch capture, mobile capture, consumer capture, and ATM capture. 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.
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 | Getting Started with Health Savings Accounts
Presented by: Whitney Johnson
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.
The materials include Worksheets in key areas. The Worksheets are plain English, short, step-by-step guides to walk through the most common and difficult issues in HSAs.
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 | HSA Enrollment Season: Understanding Group HSA Issues
Presented by: Whitney Johnson
The fastest growing segment for Health Savings Accounts is small businesses. Are you ready?Many financial institutions treat employer groups the same as if a bunch of individuals were all opening HSAs at the same time -- that's not how it works. Employers adopting HSAs plans have unique needs and special laws apply. 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.
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 | HSA Fall Update: Health Reform's Impact on HSAs
Presented by: Whitney Johnson
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.
The seminar will also provide an update on the health care reform debate and its likely impact on HSAs.
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 | HSA Fall Update: Understanding the New IRS Rules (2008)
Presented by: Whitney Johnson
This summer the IRS released three important Notices filling 51 pages with complex yet important new health savings accounts rules and clarifications:
1. IRS Notice 2008-51 covering IRA to HSA transfers,
2. IRS Notice 2008-52 covering the full contribution and testing period rules, and
3. IRS Notice 2008-59 covering a wide variety of HSA topics including HSA custodial duties, establishment, eligibility, administration, prohibited transactions (overdrafts) and more.
Join us for the HSA seminar and learn the details on the new releases and more.
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 | HSA Tax Reporting/Tax Filing
Presented by: Whitney Johnson
Are you ready for the onslaught of April 15 tax filing questions for HSAs? What about maximum contribution questions? Are you comfortable answering HSA questions for small business owners? What is the Obama administration likely to do with HSAs? Will the number of HSAs grow in 2009? Did they grow in 2008?
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. This fast paced program is designed to cover a lot of material. It serves as an update and review for the HSA veteran and an all encompassing introduction for the beginner. Participants will receive comprehensive materials that provide details and opportunity for further study and review.
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 | Top 25 HSA Questions for 2010: What Every Banker Should Know
Presented by: Whitney Johnson
This fast paced webinar will cover the most important questions your customers will ask you in 2010. The webinar will focus on areas of common confusion and importance. It serves as an update and review for the HSA veteran and an all encompassing introduction for the beginner. We are in tax season so the seminar will discuss tax reporting issues and common customer tax and tax form questions. Participants will receive comprehensive materials that provide details and opportunity for further study and review.
This seminar is devoted to giving you the knowledge you need to offer and support your HSA program with confidence. The seminar will cover the most important HSA questions your customers will ask you in 2010 with an emphasis on the most confusing issues.
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 | Issues with Deceased Customers
Presented by: Mary Beth Guard and John Burnett
When a customer dies, you should have procedures in place which address the common questions. How long can the bank honor checks on an account of a decedent? When does a joint owner assume ownership of an account? What can be done with checks payable to the deceased? What about payable on death accounts? Can an attorney in fact write checks to pay final expenses? How important are local newspaper obituaries? Can small accounts be claimed without expensive probate proceedings? What happens to safe deposit boxes? In this program, we examine how a customer's death impacts deposit accounts, CDs and safe deposit boxes.
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 | Remote Deposit Capture -- Beyond the FFIEC Guidance
Presented by: Susan Orr
The guidance has been issued, now what? The guidance provided a broad overview of what examiners expect you to have in place for RDC, but really didn't get into the nitty-gritty of the details of developing your policy and procedures, what types of security and internal controls to consider, or what type of monitoring you and your customers should be doing.
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.
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 | Remote Deposit Capture - Check Images or ACH?
Presented by: Paul Carrubba
Current moves toward remote deposit capture of checks are putting increasing pressure on financial institutions to "get on board" in order to anticipate and satisfy business depositor's demands for the convenience and improved funds availability provided by remote deposit capture. NACHA's implementation of the Back Office Conversion (BOC) ACH entry in March 2007 means there are two routes for captured checks -- image exchange and ACH transmission. Which method your bank uses should be determined by more than just NACHA's ACH conversion rules. Knowing all of the considerations involved in that decision can influence the success or failure of your bank's remote deposit capture strategy.
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| 2009 FFIEC GUIDANCE: Remote Deposit Capture and Risk
Presented by: Paul Carrubba and Dan Fisher
Remote Deposit Capture has taken on a new meaning when to comes to the payments system and the financial industry. Just released is the FFIEC Guidance!
It is finally here! The Federal Financial Institutions Examination Council (FFIEC) has just issued the long awaited guidance on Remote Deposit Capture (1-14-09) and for the FFIEC… It is a first! The FFIEC RDC guidance release covers a broad list of issues and institutions that offer Remote Deposit Capture or are planning to offer the product are expected to review, prepare and respond to the guidance. 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. Contracts between you and your customer are covered in addition to guidance regarding internal controls and including RDC in the internal audit program of your institution. In essence, the FFIEC guidance issued regarding Remote Deposit Capture is the most comprehensive payment system guidance that the industry has ever seen and it reaches out over the entire relationship between your institution and your customer.
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 | Remote Deposit Capture - New Frontiers
Presented by: Susan Orr
Remote Deposit Capture (RDC) has been readily embraced by the financial services industry, some out of the pursuit for the competitive edge - to cut expenses and grow deposits, some following to stay in competition. Regardless of the reason, it offers convenience and possibly cost savings for both the bank and the merchant. However, as with any new technology there are risks ranging from:
- alteration of the images,
- duplicate images entering the payment system, and
- creation of new fraudulent checks, to
- poor quality of image and piggy-backing of scanned item.
RDC vendors and service providers are now looking at ways to put this convenience into the hands of the consumer as well, creating more additional concerns. What are some of the things you should consider before implementing RDC? If you have already adopted the technology you may want to revisit your policies and procedures. 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.
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 | Remote Deposit Capture - Preparing for an Exam
Presented by: Paul Carrubba and Dan Fisher
The FFIEC has published new Guidelines for examinations of financial institutions that are currently offering or planning to offer Remote Deposit Capture as a product. Dan and Paul both understand the regulatory challenges and will present information to assist your organization as you prepare for a compliance exam on Remote Deposit Capture.
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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.
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 | Stop Payments
Presented by: John Burnett
Dramatic increases in the use of ACH transactions by consumers have made it more important than ever that bankers understand the relationship between Regulation E's stop payment provisions and ACH rules. It's doubly important that bank staff members understand what the Reg. E Commentary says about consumers' revocation of ACH authorizations. Bankers also must understand the differences between the use of their systems' stop payment functionality and the actual right to stop payment. Not all checks can be stopped, and it's important that bankers know which checks will almost always get them in trouble if the bank refuses payment. Failure to understand this concept can lead to lawsuits, increased legal costs, and significant losses.
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 | 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.
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| Business Continuity |
 | Business Continuity Plan
Presented by: Susan Orr
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.
From a regulatory perspective, many of the today's regulations, starting with GLBA, require that financial institutions have a comprehensive, enterprise-wide business continuity plan that encompasses the recovery of operations and computer systems. The regulators are serious when it comes to your having a comprehensive plan, and have updated the FFIEC Business Continuity Plan Handbook (March 2008) to address the requirements. The new handbook places emphasis on performing a business impact analysis and risk assessment, and developing a testing policy.
Susan Orr's presentation will cover:
The differences between business continuity, disaster recovery and pandemic planning,
Guidance for developing your program, based on the March 2008 FFIEC Business Continuity Handbook and industry best practices
The key elements of a business continuity plan
Lessons learned from recent events across the US - ice storms, tornadoes, floods, hurricanes and more
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 | Safe Deposit Disasters Spark Lawsuits
Presented by: Dave McGuinn
Whether you have 50 boxes or 5,000, this presentation provides a realistic and well-organized method of auditing your procedures before a catastrophe occurs.
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.
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| eCompliance |
 | A - Z of eTools - How to Work Smarter, Not Harder
Presented by: Andy Zavoina
It is a shame that we don't spend as much on learning how to use our computers as we spend on the computers.
What we do is learn as we go, slowly, and repeating the same time-wasting mistakes that make the overall learning cost very high. Join Andy Zavoina CRCM and author of the "Working Smarter Not Harder" column in the ABA Compliance Magazine for two hours of proven tips and techniques that will make help you, your staff and employees use the tools you have now, to do more and to do it more effectively.
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 | eCompliance
Presented by: Andy Zavoina
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). Learn why having your customer sign an authorization in your bank to receive disclosures electronically isn't all you need to do. There are common mistakes made and you need to avoid them to mitigate long term liability on a massive scale.
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| e-Disclosures, ESIGN, UETA and Regulatory Changes
Presented by: Andy Zavoina
Are you switching from paper to electronic delivery of statements and other frequent communications? Countless millions of statements and other official messages flow through the U. S. mail each month. By converting even a small percentage of these paper communications to e-delivery, your institution stands to save serious amounts of money.
Why aren't more financial institutions switching to e-delivery? Simple--compliance problems. Regulations DD, E, and Z require that periodic disclosures (statements) must be "written." Unless your institution's e-delivery system meets the difficult and confusing standards set by the federal ESIGN Act, you may face enforcement actions and civil penalties. 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.
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| Nailing Gelatin to a Wall – Monitoring E-banking Activity for Fraud & AML Activity
Presented by:
Patricia Cashman
Have you ever tried to nail gelatin to a wall? Getting the nail through the gelatin is not the problem. Rather, the challenge is in getting the gelatin to stay put once that nail is in place. Monitoring those elusive e-banking products such as ACH transactions, remote deposit capture (RDC), wire transfers, on-line activity, etc can be difficult to "pin down". But BSA/AML & FACTA's Red Flag Guidelines require that you recognize these high-risk activities and then set about mitigating those risks. Additionally, the FFIEC has issued guidance on risk management practices for RDC. The federal regulators have publicly warned financial institutions of the inherent risks of ACH activity without enhancing existing risk management systems and controls. 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
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 | Speedier Lending with e-Disclosures
Presented by: Andy Zavoina
How can you get where you want to be, faster and with less cost? Think E-SIGN. Switching from paper to electronic delivery of disclosures, statements and other frequent communications can expedite your loan process and certainly will save you money. Countless millions of disclosures, statements and other official messages flow through the U. S. mail each month. By converting even a small percentage of these paper communications to e-delivery, your institution stands to save serious amounts of money and time. Why aren't more financial institutions switching to e-delivery? Simple--compliance problems. Regulations B, X, and Z require that various disclosures must be "written." You can substitute electronic for paper, but only if you do so in conformity with the E-SIGN Act. Unless your institution's e-delivery system meets the difficult and confusing standards set by the federal E-SIGN Act, you may face enforcement actions and civil penalties. Plus, new e-disclosure requirements in Reg Z were mandatory last year.
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.
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 | 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. 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.
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| ID Theft Prevention |
 | ID Theft Red Flags and IT--Getting with the Program
Presented by: Susan Orr
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.
Topics covered:
What is required by the rule
What are the elements of the program
How do they tie to IT
What are the red flags
What examiners may be looking at
And more
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 | Identity Theft & Data Security
Presented by: Susan Orr
Identity theft is reaching epidemic proportions. Millions of Americans have become victims and the count continues to rise. The threat landscape is changing so rapidly, security experts say it is just the tip of the iceberg. The types of attacks are becoming less sophisticated and more blended; however, the payload from the attacks is becoming more profitable. Once upon a time the goal was purely recognition or the challenge; now it is financial gain. And now there are the new requirements for implementing a written ID Theft Prevention Program complete with identified "Red Flags."
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.
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 | Incident Response Plan - Your Framework for Responding to an Information Security Breach
Presented by: Susan Orr
It isn't a matter of "if" but "when" when it comes to a breach that exposes confidential customer or corporate information. Any breach regardless of the type or size can be potentially devastating. Financial losses are not the only concern -- What about your reputation? Financial institutions are particularly vulnerable because of the very nature of their business. They have information that thieves want, information they can parlay into cold hard cash. Despite the fact that rapid response is key to successfully responding to a data breach and minimizing the negative effects, the financial services industry is required to implement security controls that include identifying potential risks, monitoring for and detecting unauthorized access, mitigating the outcome, and notifying customers, law enforcement, and regulators when it does happen.
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.
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 | Last Minute Red Flags Checkup
Presented by: Mary Beth Guard and Jack Holzknecht
We're coming down to the wire! Between now and November 1, you need to:
have your risk assessment done;
identify and document covered accounts;
figure out your points of vulnerability;
determine what the threats are to your covered accounts;
remember what mitigating factors you already have in place to guard against the threats;
examine your institution's past experience with identity theft;
decide which red flags you want to use from Supplement A to Appendix J and come up with any additional ones from outside that list that you may wish to add, such as from your institution's own experience with ID theft;
compile a master list of the "red flags" you want to incorporate into your program;
tie the various red flags to the accounts where they may occur;
figure out the detection methods your employees can use to spot the red flags;
map out the responses to each red flag;
review your service provider relationships and take steps to ensure they will be guarding against identity theft;
finalize your written Identity Theft Prevention Program and have it approved by your board, along with a designation of who's in charge of implementation;
train your employees about the background behind the red flags requirements, the particulars of your specific program, what they need to do to detect red flags and respond to them.
# This webinar assumes you know the basics of the red flags rules, so we'll jump right in and go through each red flag, step by step, helping you understand:
Why you may or may not want to adopt a particular red flag;
Which red flags would work with which types of accounts;
What red flags you might want to consider that are outside Supplement A;
Ideas about detection procedures;
Tons of examples of responses and how to map them to individual red flags;
How to utilize existing mitigating factors you have in place to reduce the burden of developing your red flag program.
Whether you're just starting on your Red Flags program, or you've completed it and just want a little reassurance that you're on the right track, this webinar can help. It's designed to help put the requirements in perspective in two short hours with practical advice and information.
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 | Red Flags for Frontline Personnel
Presented by: Mary Beth Guard and Jack Holzknecht
Every financial institution must adopt an Identity Theft Prevention Program (Program) under regulations that implement Section 114 (Red Flag Regulations) of the Fair and Accurate Credit Transaction Act (FACT Act). Each financial institution also must train staff, as necessary, to effectively implement the Program. Compliance with the new regulations is mandatory by November 1, 2008.
# The new regulations require this training. Everyone who opens or is involved in the ongoing maintenance of covered accounts (not just deposit accounts, but also loans, trust accounts, safe deposit boxes, etc) must receive training before the program is implemented.
Participants receive a detailed manual that explains all of the new provisions.
PROGRAM CONTENT
Upon completion of the program participants understand:
- Why the new program and its procedures are important;
- The basic requirements of the Red Flag regulations and guidelines;
- Which accounts are "covered accounts";
- How to detect an Identity Theft Red Flag when opening an account, making a loan, or in connection with any existing account or loan;
- How to assess whether a Red Flag is evidence of identity theft; and
- The Red Flags included in supplement A to Appendix J of the new Regulations.
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 | Securing Information Assets -- What's Your Weakest Link?
Presented by: Susan Orr
Over the last several years we have focused our "security" attention on the network perimeter and cyber security; and with good reason. However, in doing so we have let some basic tenets of internal controls fall by the wayside. Data leakage - a new buzz word in the security industry is all about privileged information -- whether confidential corporate information or customer information -- making its way out of the confines of our inner sanctum into the wild. And believe it or not - it is leaking out via our trusted (or once trusted) insiders, our employees.
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.
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 | Social Engineering
Presented by: Barry Thompson
Social Engineering: You have heard the term; do you know the impact?
Social engineering is the art of gaining valuable information from your staff or account holders. It relies on developing an individual's trust or gaining snippets of information from various departments and individuals. We will examine how your call center, frontline and even your loan department are probed or attacked. Anyone responsible for Identity Theft Red Flag Regulations will want to understand how social engineering can defeat them. This enlightening presentation will help you develop the techniques and skills to train your staff in defeating or identifying a social engineering attack.
This webinar will teach you the basics of how your institution can be cased, evaluated and ultimately attacked using basic confidence games known as social engineering.
This information-packed session will review the methods used against your account holders to get them to reveal sensitive information. Learn why it is necessary for your institution to provide educational programs for the public! No matter your position in the financial institution, this program will provide a positive educational experience in developing skills to help protect you against a social engineering attack.
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 | Under Attack: Scams, Schemes and Frauds
Presented by: Barry Thompson
Reloading Scams, Work from Home Schemes, Sweepstakes and Lottery Swindles -- how much has your financial institution lost by not being prepared? Fraudsters can outsmart your financial institutions security measures by using your account holders against you. The faces of fraud are changing rapidly and old confidence games have become reinvented to take advantage of the unsuspecting. The e-bay scam, telemarketing schemes, Nigerian frauds, and counterfeit check schemes are all confidence games played against your account holders. In this webinar, we'll review these confidence games as well as what we can do to stop your account holders from becoming victims.
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.
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| Operations Compliance |
| Bank Operations -- Going Paperless
Presented by: Paul Carrubba and Dan Fisher
Go green! Go paperless!" Has your bank decided to start the journey toward elimination of paper check processing? >Like any trip into unfamiliar territory, the decision to go paperless is not without its risks. Mistakes can be costly, both in dollars and in customer relations. You need to know the things you need to include (and what to avoid) in contracts with customers and vendors, and to recognize the risks you need to address as you map out your plan to start eliminating paper checks from your payment processing environment.
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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.
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 | 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.
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| A - Z of Reg E
Presented by:Andy Zavoina
Reg. E has changes on the horizon. Are you up to date? There are new overdraft rules as well as gift card rules that you have to comply with in just a few months. Plus, it is a fact that debit card use is increasing and many of these transactions are for very small purchases. This increase in volume means an increase in claims. When there is a loss, who loses the money? In most cases you already know, you do! The question is, are you charging off more than you need to or reimbursing customers for less than you should?
We will review the meat of Reg. E, in addition to the claims. The disclosures and new opt-in rules will be briefly discussed and we'll explore the claims process so that you can determine the cost effectiveness of taking a claim, investigating and going through the necessary steps to communicate with your customer. At what point is it just cheaper to pay the claim and what safeguards should you take to avoid abuse?
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| Getting Started with Health Savings Accounts
Presented by: Whitney Johnson
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.
The materials include Worksheets in key areas. The Worksheets are plain English, short, step-by-step guides to walk through the most common and difficult issues in HSAs.
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| HSA Enrollment Season: Understanding Group HSA Issues
Presented by: Whitney Johnson
The fastest growing segment for Health Savings Accounts is small businesses. Are you ready?Many financial institutions treat employer groups the same as if a bunch of individuals were all opening HSAs at the same time -- that's not how it works. Employers adopting HSAs plans have unique needs and special laws apply. 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.
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| HSA Fall Update: Understanding the New IRS Rules (2008)
Presented by: Whitney Johnson
This summer the IRS released three important Notices filling 51 pages with complex yet important new health savings accounts rules and clarifications:
1. IRS Notice 2008-51 covering IRA to HSA transfers,
2. IRS Notice 2008-52 covering the full contribution and testing period rules, and
3. IRS Notice 2008-59 covering a wide variety of HSA topics including HSA custodial duties, establishment, eligibility, administration, prohibited transactions (overdrafts) and more.
Join us for the HSA seminar and learn the details on the new releases and more.
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| Top 25 HSA Questions for 2010: What Every Banker Should Know
Presented by: Whitney Johnson
This fast paced webinar will cover the most important questions your customers will ask you in 2010. The webinar will focus on areas of common confusion and importance. It serves as an update and review for the HSA veteran and an all encompassing introduction for the beginner. We are in tax season so the seminar will discuss tax reporting issues and common customer tax and tax form questions. Participants will receive comprehensive materials that provide details and opportunity for further study and review.
This seminar is devoted to giving you the knowledge you need to offer and support your HSA program with confidence. The seminar will cover the most important HSA questions your customers will ask you in 2010 with an emphasis on the most confusing issues.
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 | Blocking Internet Gambling Transactions: Are You Ready?
Presented by: John Burnett
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.
Covered in this webinar --
· Payment systems affected by the regulations
· When your institution is exempt
· Customer relationships you need to be concerned about
· The need for additional customer due diligence
· The regulations' focus on policies and procedures
· Leveraging and enhancing existing procedures for Reg. GG compliance
· The transactions that are prohibited under the regulation
· Key definitions in the rule
· Definitions missing from the rule
· Relying on payment system policies and procedures
· Safe harbor provisions
· Examples of policies and procedures
· Updated sample forms you can adopt for your compliance program
· What you'll have to do if a payment gets through
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| Reg E Claims - Approvals and Denials
Presented by: Andy Zavoina
The proper handling of Regulation E error resolution claims is critical to your institution. It continues to be a hot topic with examiners because it involves consumers' rights and money.The complicated regulatory requirements can cause confusion and mistakes unless staff members who handle the process are well trained and know the regulatory requirements.
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). You'll get information on critical issues in the resolution process, such as paying provisional credit, customer notifications, amounts to be refunded, and when and how much may be withheld from any refund.
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 | Levies, Garnishments, Attachments: Developing Bank Procedures
Presented by: Ken Golliher
Financial institutions are routinely required to process claims from third parties on customer funds. Mishandling such a claim can subject the bank to liability, either to the claimant or the customer. In some cases, the liability can greatly exceed the amount of funds that were on deposit.
This program helps attendees to develop a demonstrable, consistent process for handling third party claims. It does not focus on the law of any state regarding garnishments, attachments, executions, etc. Instead, it uses the IRS levy process, one that applies to all U.S. financial institutions, as the core example.
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| 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.
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| Annual Operations Compliance Recap
Presented by: Mary Beth Guard and John Burnett
Statement changes. Restrictions on balance information. New limits on overdraft fees. ACH fraud. Internet gambling. OFAC. Privacy. ATM notices. Check processing consolidation.
Anyone who believes that all the change last year was on the Lending side of the house hasn't been paying attention! Have you been keeping up with the changes affecting Operations?
That's what this fast-paced two hour webinar is designed to help you ensure. It's a recap of the operations-related rule changes, statutory enactments, regulatory issuances, court cases, and penalty actions from the past year, to keep your compliance program on target.
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| Account Restrictions: Savings/MMDAs, CDs and Interest on Checking
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.
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 | Refining Records Management and Retention
Presented by: Carl Pry
Mention record retention to many bankers, and get a frustrated look back. Isn't it easier to just keep everything? That way, we'll never be accused of not having something that we should. But in fact, there are risks to over-retaining, not to mention the cost involved.
To manage an effective program in a cost-effective manner, compliance professionals must rely on information from a broad range of resources within the organization. Records management is the point of convergence of these resources, which is why effective and reliable records management must be part of your enterprise-wide compliance program.
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| 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. 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.
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| Lending: Administration, Compliance and Operations |
 | Adapting to Reg Z Reform - Understanding MDIA, HPMLs and More
Presented by: David Dickinson and Jerod Moyer
Join BOL Guru David Dickinson and Jerod Moyer as they guide you through the Truth in Lending Act revisions that will become effective later this year.
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).
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 | Annual Lending Compliance Recap
Presented by: Mary Beth Guard and Andy Zavoina
Did you keep up with the changes this year in lending compliance? 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 lending compliance program on target, and your institution out of trouble!
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 | Applicants and Applications - Knowing the Players and the Rules
Presented by: David Dickinson
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.
Follow along as the application process is explained step by step with real life examples. Learn what an inquiry is, and when it becomes an application. Lenders and marketers must understand the differences between a prequalification program and a loan program. You will also learn when applications are required by law, or if they're required by a specific policy or procedure.
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 | Appraisal Review - Saving Time and Costs
Presented by: Richard Hagar
This webinar is designed to help non-appraisers understand appraisals and discover the most likely and obvious issues within a report (commercial or residential). Ten or 20 minutes isn't sufficient time to perform a full appraisal review, but it is sufficient to discover obvious errors and points of concern, if you know what to look for.
Getting those obvious problems identified and corrected early can save your institution from wasting time and money in a full review. Based on a quick scan of a report, the reader can help an institution decide if additional information is required from the appraiser, or if the report should be sent "upstairs" for a full appraisal review. This webinar will also help senior management understand the appraisal report, appraisal process and the "lingo" necessary to communicate with staff and appraisers more efficiently.
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 | Appraisals: What You Need to Know NOW!
Presented by: Richard Hagar
An appraisal is not just a check-off item on a lending to-do list. It is a vital informational tool in the loan application process.
If the appraisal is solid, it can help you book a good loan. That is why there are compliance requirements in place to help ensure the appraisal is accurate, reliable, unbiased. Learn what examiners are going to ask you about the appraisals and appraisal process used in your bank.
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 | Appraisals: New rules, new forms, new procedures
Presented by: Richard Hagar
Whether your institution does its real estate lending directly with borrowers or through mortgage brokers, there is one thing you can depend on – things are changing. You’re going to be dealing with new appraisal report forms, new restrictions and mandates on what you must and cannot do, and new procedures designed to wring appraisal fraud and inflated values out of the process. Change is at once promising and challenging. It holds the promise of dealing with more realistic property values, but also the challenge of having to relearn what was second-nature to mortgage lending professionals, with the threat of legal and regulatory action if things don’t get done correctly.
In this webinar, industry expert Richard Hagar SRA will discuss many of the reasons that there is such a sea-change in the appraisal process.
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 | Appraisal Process – New Requirements
Presented by: Richard Hagar
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.
In this webinar, you'll learn about
· New restrictions on your communications with appraisers
· Things you cannot ask an appraiser to do
· New forms you will have to use when requesting appraisals
· The NY Attorney General's actions that have affected lenders nationwide
· A ban on accepting appraisals ordered by a mortgage broker
· Your responsibilities for the accuracy of Automated Valuation Models
· New proposed regulatory appraisal guidelines
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 | Basic Lending Issues: Perfection to Collection
Presented by: Adam Laboda
Lending is complicated, secured lending even more so. Understanding the process from perfection to collection is important. With that understanding, both banks and their lenders can work to prevent potential problems before they happen. A solid lending program requires an understanding of how to manage the lending process and the bank's borrower after the loan has closed. Lack of that understanding is a trap for the unwary who think even the most basic lending transactions are not fraught with pitfalls.
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.
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 | Being a Good Lender in a Bad World
Presented by: Lucy Griffin
All you have to do is pick up a newspaper or listen to the radio or TV to know that lending issues are hot -- consumers are upset. In fact, Congress is also upset. Both Congress and your regulator are actively working to come up with solutions. You need to stay ahead of them. There is a good way to manage a lending program, and there are lots of wrong ways. There is enormous opportunity for banks to be good lenders and build positive reputations in the eyes of consumers.
This webinar will concentrate on the good ways to lend. We'll start with what the regulators expect in the structure and management of a lending program, including the key elements of a risk management program. Then, we'll apply these expectations to specific non-traditional and subprime loan products.
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| BSA/AML Compliance for Lenders
Presented by: Ken Golliher
To be effective, training must be specific to the particular audience involved. Examples must be relevant and relate the subject matter to corresponding regulatory requirements. 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.
The interagency BSA/AML Examination Handbook clearly indicates that all training should be tailored to a person's specific responsibilities and encompass information related to applicable business lines. Lending personnel are prime examples. Their training must allow them to relate the requirements of the regulation to their daily responsibilities.
The program is designed as an introduction to BSA/AML compliance for bank personnel who have responsibilities related to loan and loan administration. Program content is at the basic or intermediate level.
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 | Complying with the S.A.F.E. Act: New Final Rules
Presented by: Jack Holzknecht and Mary Beth Guard
Fingerprinting. Background checks. New policies and procedures. Registration in a central database. All these and more are mandatory components of a new federal law and upcoming rules affecting those who are engaged in residential mortgage lending.
Interagency rules to implement the Secure and Fair Enforcement for Mortgage Licensing Act (S.A.F.E. Act) are being handed down by the financial institution regulators. Under the law and implementing regulations, financial institution employees who act as residential mortgage loan originators will need to register with a new nationwide registry, unless they fall within the de minimis exception. Financial institutions themselves are required to adopt and follow written policies and procedures to assure compliance with the new requirements.
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.
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 | Construction Lending
Presented by: Adam Laboda
Commercial construction lending is perhaps the most complicated type of loan and certainly one of the most risky that banks can be involved in. Construction lending requires knowledge of unique lending processes and an understanding of how to manage these processes.It is a trap for the unwary who think construction lending is simply making a real estate loan. This "must attend" session will explain the commercial construction lending function from start to finish.
HIGHLIGHTS
Proper construction loan documentation
Title commitments, exceptions and endorsements
Zoning, building permits, and other governmental restrictions
Change orders and cost over-runs
Loan disbursement procedure and monitoring work
Good deals gone bad: Workouts in difficult real estate markets
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 | Credit CARD Act - Getting Ready for Major Changes
Presented by: Carl Pry
The Credit CARD Act is a major piece of legislation that will have far-reaching effects on the credit card industry, of course, but even if you don't offer credit cards, there are provisions that will (or already do) impact your lending operations.
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.
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 | Dealing with Distressed Borrowers & Avoiding Foreclosure
Presented by: Carl Pry
As delinquencies and foreclosures rise, plenty of attention has been placed lately on steps lenders may (or in the opinion of some, should) take to keep people in their homes and avoid foreclosure. The pressure comes from many sources: the press, regulatory agencies, and your borrowers, of course. But what should you do? Should you do anything at all?
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.
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| e-Disclosures, ESIGN, UETA and Regulatory Changes
Presented by: Andy Zavoina
Are you switching from paper to electronic delivery of statements and other frequent communications? Countless millions of statements and other official messages flow through the U. S. mail each month. By converting even a small percentage of these paper communications to e-delivery, your institution stands to save serious amounts of money.
Why aren't more financial institutions switching to e-delivery? Simple--compliance problems. Regulations DD, E, and Z require that periodic disclosures (statements) must be "written." Unless your institution's e-delivery system meets the difficult and confusing standards set by the federal ESIGN Act, you may face enforcement actions and civil penalties. 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.
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 | Everything You Need to Know to Develop, Maintain and Audit ARM Disclosures
Presented by: Jack Holzknecht
You have ARM programs. You have ARM disclosures. It is important that you understand what the disclosures say, why, how often they must be updated, when they must be delivered, how to disclose rate adjustments and more. When compliance knows the content is up to date, and staff knows what to give, when and how to explain it, your chances of compliance violations have dropped and risks are being mitigated. Manage your risk and understand your requirements.
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 | Fair Lending - Assessments on Risk and Performance
Presented by: Andy Zavoina, Rick Freer and Calvin Hagins
Fewer loans are being closed now than in the past years. We know production is lower. Credit is tighter because of property values, income, job stability and other factors. But do you know why your production is lower? Fair lending risks are an issue today as this applies to new loan requests as well as workouts and refinance requests from your existing borrowers.
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.
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 | Fair Lending – Positive Steps to Risk Reduction
Presented by: Jack Holzknecht
The current interagency Fair Lending examination procedures used by the OCC, FDIC, FRB, OTS and NCUA enable examiners to quickly and precisely identify a lender's fair lending problems by identifying areas of fair lending risk.
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.
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 | Financing Statements: The Name is the Game
Presented by: John Garvey
The Uniform Commercial Code requires that you file your financing statement under the exact legal name of the debtor. All financing statements are indexed under the name of the debtor. If your financing statement cannot be found under the exact legal name of the debtor by using the filing office's standard search logic, you have not properly perfected your security interest. However, determining the exact legal name of the debtor can sometimes be difficult.
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.
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 | Gigantic Changes to Regulation Z Rules for Open-End Credit
Presented by: Jack Holzknecht and Mary Beth Guard
The Regulation Z Rules for open-end credit are changing, and changing, and changing again. The changes impact all types of open-end accounts. It is challenge to just list everything that is unfolding.
This program contains core knowledge all banks need to comply with the rapidly unfolding rules for open-end credit.
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 | How to Properly Handle Adverse Action
Presented by: Jack Holzknecht
Both ECOA/Regulation B and the Fair Credit Reporting Act contain requirements for providing notice of action taken. This two-hour webinar reviews the requirements of both laws. It also covers common violations and provides solutions to common problems.
Failure to comply with adverse action requirements can lead to civil liability and enforcement actions from the regulators.
# Upon completion of this program your staff will understand:
- The adverse action notice requirements of both the Equal Credit Opportunity Act (Regulation B) and the Fair Credit Reporting Act;
- How to complete the model adverse action form;
- The rules for multiple borrowers;
- Proper handling of counteroffers;
- Timing rules;
- How to handle withdrawn and incomplete applications; and
- How to select the correct reasons for denial.
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 | A-Z of Reg B
Presented by: Andy Zavoina
Reg. B is a foundation for fair lending and the Consumer Protection Act. It is important to understand the spirit and intent of a regulation to properly interpret it. That is what this webinar is about. 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.
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 | Construction Loan Compliance Rules
Presented by: Jack Holzknecht
Several lending compliance regulations contain special rules for construction loans. The rules tend to be complex and confusing mainly because there are many different ways to structure constructions loans. Therefore, the requirements differ depending on how the construction loan is structured. This two-hour seminar explains which lending regulations apply to construction loans and how the standard requirements of the different regulations are modified for construction loans.
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.
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 | Court Watch
Presented by: Jack Holzknecht & Mary Beth Guard
Banks frequently get their backsides kicked in court. Whether we win or lose there are frequently important lessons to be learned from the court's decision. Sometimes in a losing effort the court explains what should have been done in order to prevail. In a winning effort the decision often explains why the bank prevailed. These decisions can be a blueprint to success. In cases where the bank is on the losing end, following the lessons provided by the court can help us to avoid the mistakes of the past and move to success in the future.
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 | ECOA - Review and Update
Presented by: Jack Holzknecht
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. How to comply with ECOA and Regulation B is core knowledge needed by everyone involved with lending. Understanding the rules is the first step to avoiding problems. Avoiding common violations is another step needed to assure a positive outcome in examinations. This program explains the rules and reviews common violations. The program is designed for compliance officers, auditors and for anyone involved in any aspect of a bank's consumer, commercial or real estate lending departments.
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 | Flood Insurance Coverage Issues
Presented by: Jack Holzknecht
In recent years, examiners from all agencies have been "targeting" the flood insurance area during compliance exams. In many cases penalties have been imposed. Frequently the violations subject to penalties involve an inadequate amount of flood insurance or other 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. If you are on the list, then you understand the importance. If you are not on the list, this program is designed to keep you off the list.
http://www.bankersonline.com/compliance/floodcmps.html
Flood policies come in different forms - Standard Dwelling Policy, General Property Policy and the Residential Condominium Building Association Policy. Flood policies come in different amounts. Not every type of water damage is covered. Some polices provide full replacement cost coverage, while others don't. Confusion abounds for construction loans. When does the policy have to be in place? When does coverage begin? What about coverage on the contents of a building? This program deals with all of the major flood insurance coverage issues. It takes the "mystery" out of the process. Clear answers are provided to common questions about flood insurance issues.
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 | Flood Insurance Frequently Asked Questions
Presented by: Jack Holzknecht
When Jack Holzknecht and Pegasus Educational Services conduct webinars on flood insurance, they are always inundated with questions. And they have conducted quite a few programs on various aspects of the flood regulations over the years. Jack has "mined" previous programs to develop a list of frequently asked questions. The questions cover all aspects of the law and regulations - coverage, flood determinations, flood hazard notices, determining the proper amount of insurance, force placement of insurance and much more.
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 | HMDA: Frequently Asked Questions
Presented by: Jack Holzknecht
Jack uses questions fielded in his many presentations on HMDA to illustrate the intricacies of Regulation C and HMDA reporting.
He "mined" those previous programs to develop a list of frequently asked questions. The questions cover all aspects of the regulations - coverage, completing the LAR, reporting, and HMDA analysis.
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 | HMDA: Preparing for the March 1, 2009 Data Submission
Presented by: Jack Holzknecht
All HMDA-reporting financial institutions must submit 2008 HMDA data to their regulator by March 1, 2009. This program prepares you for that task.
An error rate as low as 5% may subject your institution to penalties. Upon completion of this program, participants understand how to detect and eliminate common errors that can lead to penalties for filing errors. Participants receive a detailed manual that serves as a handbook long after the program is completed.
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 | HMDA: Soup to Nuts
Presented by: David Dickinson
HMDA-is well known as the most difficult lending regulation to understand and apply. Unfortunately, the error tolerances are as low as 5% and many banks suffer Civil Money Penalties for submitting inaccurate HMDA data. Participants receive a detailed manual that serves as a handbook long after the program is completed.
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.
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 | How to Avoid Penalties for Improper Lending Practices
Presented by: Jack Holzknecht
Assuring compliance with the highest risk compliance violations is the core of a successful compliance program. Most lending laws include penalties for non-compliance. In some cases the borrowers have the right to sue for damages. In other cases, the agencies can impose civil monetary penalties or order the financial institution to reimburse overcharges to the borrower.
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.
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 | How to Create Effective Loan Policies
Presented by: Adam Laboda
Loan policies vary considerably among financial institutions because each institution has its own distinct product mix and tolerance for risk. Therefore, an effective loan policy must be tailored for the specific institution. That's why an institution can't just copy the loan policy manual from the bank down the street.
Loan policies must be reviewed and revised on a periodic basis as an institution's circumstances change. This webinar will help an institution create effective loan policies with special emphasis on the FDIC Manual of Examination Policies, the Interagency Guidelines for Real Estate Lending Policies, and the Interagency Guidelines Establishing Standards for Safety and Soundness. 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.
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 | Insider Lending and Regulation O
Presented by: Jack Holzknecht
The 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.
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 | Legal Issues Involved in Collection
Presented by: Adam LaBoda
Covered Topics:
Fair Debt Collection Practices Act - What is required?
Right to Cure - When is it required?
Self-Help Repossession - When is it appropriate?
Notice of Sale - What is required?
Commercial Reasonable Sale - What are the factors?
Bankruptcy - What can you do?
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.
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 | Lending Regulations - Coverage and Exemptions
Presented by: Mary Beth Guard and Jack Holzknecht
Examiners frequently cite violations that result from confusion regarding whether a particular disclosure was needed or not, or confusion regarding the appropriate timeframe for delivering a disclosure. The confusion is legitimate - coverage rules vary from regulation to regulation, as do the meaning of defined terms, and the timeframes for delivering disclosures.
Violations of the lending regulations can lead to lawsuits, restitution, civil monetary penalties and other enforcement actions. Most violations can be avoided by using appropriate systems. This two-hour seminar reviews lending compliance requirements and reviews techniques that help assure compliance. The program includes sample checklists, matrices, questionnaires and other tools to help assure compliance with various laws and regulations.
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 | Lending to Servicemembers
Presented by: Mary Beth Guard and Jack Holzknecht
If you have ever loaned money to a member of the National Guard or Reserves who was later called to active federal service, you've probably heard about the Servicemembers Civil Relief Act.
But were you aware that servicemembers and their families are about to be protected even more? 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.
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 | Lending to Servicemembers: New Defense Department Regulations
Presented by: Mary Beth Guard and Jack Holzknecht
On August 31, 2007, the Department of Defense (DoD) published its final rule (32 CFR 232) that implements Section 670 of the John Warner National Defense Authorization Act for Fiscal Year 2007 (JWNDAA).
The new regulations are effective October 1, 2007. The regulations require new disclosures and place limits on the terms of certain loans to service members or their families. 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.
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 | Mastering Lending Compliance Terminology
Presented by: Jack Holzknecht
The terminology used in various lending regulations can be confusing. The confusion leads to violations. For example, the term "business day" has different meanings in different regulations, and actually has two different meanings in one regulation.
The meaning of the terms "residential mortgage transaction" and "consumer loan" appear obvious, but the meaning is not as simple as it might appear. This seminar identifies confusing terminology, explains the correct meaning of the terms, and how to avoid violations that result from misinterpretation.
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 | Mobile Home Lending
Presented by: Andy Zavoina
Whether you call it a mobile home or manufactured housing loan, there are characteristics that are unique to such transactions. Such loans can be confusing, and may be affected by the answers to these questions: Is the home permanently affixed to real estate? Is it unaffixed? Is your collateral just the home itself?
In this webinar we will discuss mobile/manufactured housing and Flood, Truth in lending and Reg Z requirements, Appraisal disclosures, Fair Housing, and more.
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 | Mortgage Loan Scams - When Real Estate Isn't "Real"
Presented by: Richard Hagar
The FBI’s case load of real estate and mortgage fraud has increased 688% over the past four years. More than 47,700 mortgage fraud SARs were filed in 2007 and the count will likely top 56,000 in 2008. Loan fraud in involved in 40% of all bank failures. One estimate suggests that banks and other lenders will close at a rate of more than one per day in 2008.
Most loan fraud related bank failures are due to staff’s inability to recognize fraudulent real estate sales, bad appraisals and bogus loan applications. Did you know that hundreds of web sites and dozens of traveling seminars are teaching borrowers how to rip off banks?
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.
Once banking staff become more aware of these problems, bank fraud losses can be significantly reduced. Recognize your compliance issues and spot fraud.
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 | New Credit CARD Act Rules
Presented by: Mary Beth Guard and Jack Holzknecht
On May 22, 2009, the Credit Card Accountability Responsibility and Disclosure Act of 2009 (Credit Card Act) was signed into law. The Credit Card Act primarily amends the Truth in Lending Act (TILA) and establishes a number of new substantive and disclosure requirements to establish fair and transparent practices pertaining to open-end consumer credit plans. The Federal Reserve Board issued interim final rules to implement the Credit Card Act on July 15, 2009. 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.
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 | New Early Truth in Lending Disclosure Rules
Presented by: Mary Beth Guard and Jack Holzknecht
On July 14, 2008 the Federal Reserve Board approved final revisions to Regulation Z mortgage lending rules. Among other items, the revisions changed the requirements for delivering an early TIL disclosure. The revised regulation was published on July 30, 2008. On the same day the revised regulations were published, Congress passed the Mortgage Disclosure Improvement Act (MDIA). MDIA changes the changes to the early disclosure requirements. Final rules to implement MDIA were approved May 7, 2009. The revised rules that govern early TIL disclosures are effective on July 30, 2009. It is all quite confusing. That is why we have scheduled a webinar on this topic. This two-hour webinar covers the revisions to the early TIL disclosure requirements and the revisions to the revisions.
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 | Non-Credit Card Provisions of the Fed's Credit CARD Act Final Rule
Presented by: Carl Pry
On January 12th, the Federal Reserve issued a 1,155 page final rule implementing new provisions affecting open-end credit plans under Reg. Z. The main purpose of the final rule is to implement Stage 2 of the Credit CARD Act, passed last year. These rules affect mostly credit card accounts, of course, but there are several provisions in the new rule that affect non-credit card open-ended accounts. 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.
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 | Regulation AA - Unfair or Deceptive Acts or Practices -- Credit Cards
Presented by Jack Holzknecht & Mary Beth Guard
On December 18, 2008 the Federal Reserve Board, the Office of Thrift Supervision and the National Credit Union Administration published final revisions to their regulations, which prohibit unfair acts or practices in connection with credit card accounts. The new rules take effect on July 1, 2010. The goal for these revisions is to prohibit institutions from engaging in certain acts or practices in connection with consumer credit card accounts. The new rules are complex and detailed.
This two-hour webinar covers all of the new requirements in the Federal Reserve's Regulation AA, the OTS's Part 535, and the NCUA's Part 706 that impact credit card accounts.
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 | Reg B - Documenting Joint Intent
Presented by: David Dickinson
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.
The regulation requires that you affirmatively document an applicant's intent to apply. Follow along as real life examples are provided and analyzed. You will learn when you can and cannot require someone to sign according to the regulatory requirement.
This webinar is designed especially for Lenders, Senior Management, Compliance Officers and Auditors.
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 | Regulation Z - New Escrow Requirements
Presented by: Jack Holzknecht and Mary Beth Guard
On July 14, 2008 the Federal Reserve Board published final revisions to Regulation Z, which, for the most part, take effect on October 1, 2009. While all of the revisions are important, the requirement that all lenders must escrow taxes and insurance on certain loans will place a significant burden on those institutions that do not currently escrow at all and those that only require escrows on loans sold in the secondary market and therefore do not have any experience managing escrow accounts. The effective date of the escrow provisions is April 1, 2010.
This two-hour webinar covers all of the new Regulation Z escrow rules and the RESPA escrow rules under which escrow accounts must be managed.
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 | Regulation Z - Section 32 Mortgages
Presented by: Jack Holzknecht
Congress passed the Home Ownership and Equity Protection Act in 1994. The law was intended to eliminate predatory lending. It added Section 32 to Regulation Z. The law and regulation require special disclosures for transactions that involve high rates or fees. The disclosures must be delivered in a unique timeframe. The regulation also places restrictions on the transaction and on the creditor. HOEPA transactions are also subject to special reporting rules for the Home Mortgage Disclosure Act.
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.
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 | Regulation Z - Revised Open End Credit Rules
Presented by: Jack Holzknecht & Mary Beth Guard
On December 18, 2008 the Federal Reserve Board published final revisions to Regulation Z, which take effect on July 1, 2010. The goal for this latest revision to Regulation Z is to improve the effectiveness of the disclosures consumers receive in connection with credit card accounts and other revolving (non home-secured) credit plans. The new rules are complex and detailed. They impact application and solicitation disclosures, account-opening disclosures, periodic statement disclosures, and change in terms notices.
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.
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 | Required Licensing or Registration of Loan Originators
Presented by: Richard Hagar
he federal government has mandated that loan originators must become licensed or registered by the end of 2009, even if they work for banks. Are your LOs and institution ready?
The passage of the "SAFE Act" creates a federal mandate for state licensing of all loan originators. LOs working for banks are not exempt from this law. They must be licensed or registered by December 31, 2009. The process is neither quick nor easy so LOs must plan ahead if they would like to continue working in the lending business after the first of January. Unlicensed activity can result in cease and desist orders, prohibitions and monetary penalties for LOs as well as the institutions employing them.
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| Regulation Z – New Advertising Rules
Presented by: Jack Holzknecht and Mary Beth Guard
On July 14, 2008 the Federal Reserve Board published final revisions to Regulation Z, which, for the most part, take effect on October 1, 2009. While all of the revisions are important, the new advertising rules need immediate attention. Other provisions of the new rules will be covered in future webinars.
Many of you are in the initial stages of planning your 2009 advertising campaign and budget. The changes impact ads for loan products that are broadcasted or distributed in any manner after October 1, 2009. You need to either build the changes into your 2009 ads for the entire year or plan on the expense of retooling ads that run after the October 1st effective date.
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.
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| Regulation Z – New Rules for Private Education Loans
Presented by: Jack Holzknecht and Mary Beth Guard
Mom, Dad and their 18 year old daughter want to borrow a few thousand dollars for tuition for the daughter's next semester at State University. Do you make loans like this?
The loan is a Private Education Loan (PEL); so, should you:
- Refuse to make the loan;
- Make the loan, but deliver the three new disclosures required by Regulation Z for PELs; or
- Structure the loan so it does not qualify as a Private Education Loan.
This two-hour webinar covers all of the new Regulation Z rules pertaining to private education loans.
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 | Reg Z Roundup - Guide to the October 1st Changes
Presented by: Jack Holzknecht and Mary Beth Guard
On July 14, 2008 the Federal Reserve Board published final revisions to Regulation Z, which, for the most part, take effect on October 1, 2009. While all of the revisions are important, the new limitations and prohibited acts and practices provisions impact all mortgage loans secured by the borrower's principal dwelling. These new rules are complex and detailed.
TThis 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.
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| Residential Real Estate Loans: Performing a Compliance Audit
Presented by: Patricia Cashman
To effectively perform a compliance audit of a residential real estate loan, you must be part detective and part mind-reader. A single residential real estate file can be covered by numerous consumer protection laws and regulations - Reg. B (ECOA), Reg. C (HMDA), Reg. Z (TILA), Fair Housing Act, and Flood Disaster Protection Act for starters. The applicability of any law depends on various factors that may, or may not, be evident in the loan file.
You can be a "fault-finder" or become an important part of your institution's risk management plan. An effective audit program can reduce potential liability, in addition to the amount of time examiners will spend in your boardroom. Determining the source of errors and violations can assist your institution in affecting prompt and appropriate corrective action.
Whether you audit by regulation or by function, and 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.
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 | How to Comply With the Rescission Rules
Presented by: Jack Holzknecht
Whether originating loans or reviewing completed loans for compliance, this program will meet your needs. All of the rules, from providing the notice of rescission to undoing transactions that the consumer has rescinded, are covered.
The program explains what transactions are subject to the right to rescind, who has the right to rescind, how to handle rescission, and how to fix problems when they occur.
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 | Right of Setoff
Presented by: Mary Beth Guard and Don Pape
It's oh-so-tempting. Your customer owes you money and there sits his deposit account or CD just begging to be grabbed. Maybe he's terribly delinquent and you want to stem your loss. Perhaps he's current, but you've found an event of default under the contract and you feel a need to act quickly to ensure the bank gets paid. Or maybe he's been paying as agreed with your debt, but now the IRS is coming after him and you envision a tug-of-war over assets. In each of those situations, and many others, you must know precisely what your rights are (or aren't!) with respect to setoff.
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| Speedier Lending with e-Disclosures
Presented by: Andy Zavoina
How can you get where you want to be, faster and with less cost? Think E-SIGN. Switching from paper to electronic delivery of disclosures, statements and other frequent communications can expedite your loan process and certainly will save you money. Countless millions of disclosures, statements and other official messages flow through the U. S. mail each month. By converting even a small percentage of these paper communications to e-delivery, your institution stands to save serious amounts of money and time. Why aren't more financial institutions switching to e-delivery? Simple--compliance problems. Regulations B, X, and Z require that various disclosures must be "written." You can substitute electronic for paper, but only if you do so in conformity with the E-SIGN Act. Unless your institution's e-delivery system meets the difficult and confusing standards set by the federal E-SIGN Act, you may face enforcement actions and civil penalties. Plus, new e-disclosure requirements in Reg Z were mandatory last year.
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.
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 | Understanding Commercial Real Estate Appraisals: Reviewing the Appraisal
Presented by: Richard Hagar
If your institution makes business loans secured by commercial real estate, you need an understanding of the commercial real estate appraisal process. You want to be comfortable that the appraised values of properties are appropriate for your collateral needs. You also want to know that appraisal fees are reasonable and when added costs should be expected.
Do you know how to detect an inadequate or potentially inaccurate appraisal that could become a safety and soundness issue for your institution? 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.
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 | Understanding Letters of Credit
Presented by: Adam Laboda
Letters of credit have been around for many years, but they still remain a mystery to many bankers. Commercial letters of credit are commonly used to facilitate the purchase and sale of goods, and standby letters of credit are commonly used to secure obligations.
More recently, letters of credit are being used as a substitute for surety bonds, workers compensation insurance, construction contract bonding, governmental licenses, purchase price holdbacks, and environmental cleanup obligations. There is substantial liability and risk to the financial institution which issues a letter of credit. Last year, new revisions were made to the Uniform Customs and Practices for Documentary Credits creating the new UCP 600 (2007 Revision). This seminar will discuss the basic rules with respect to all letters of credit and then will address the general rules of the new UCP 600, ISP 98 and the UCC Article 5.
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 | Understanding Loan Documents
Presented by: Jack Holzknecht
Take a quick glance at the wording in your note or other loan documents. Do you really understand every sentence? Does everyone in the loan department fully understand the wording? If not, then this is the seminar for you. Every word in every loan document is there for a specific purpose. However, we find that many bankers do not always understand what the words mean. Automated loan origination systems make it very easy to quickly produce high quality loan documents, but the systems have not eliminated the need to understand what the words mean.
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.
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| Understanding the Newly Rleased Flood Insurance Q&As (9/2009)
Presented by: David Dickinson and Jerod Moyer
Join BOL Guru David Dickinson and Jerod Moyer as they guide you through the newly finalized Interagency Questions and Answers Regarding Flood Insurance. While this recent release by the Federal Financial Institutions Examination Council (FFIEC) not only provides definitive answers to your flood insurance questions it also introduces five additional proposed questions on which the agencies are seeking public comments.
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.
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 | When and How to Collect Monitoring Information
Presented by: Jack Holzknecht
Collecting Government Monitoring Information isn't as simple as asking the applicant to complete a form. If you have ever had the responsibility to audit the collection of this data, you'll appreciate this webinar.
It will answer the questions you have and provide the guidance you and your staff needs to know what to collect, when and why. You'll learn how to complete the information when allowed, if the applicant didn't. You'll hear about the common mistake others have made and how to avoid them to improve your compliance with one requirement that touches so many regulations, such as ECOA, HMDA, CRA fair lending and more.
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 | Bankruptcy 101
Presented by: Sam Ott and James Millar
Bankruptcy is an intricate and complex area of the law. Courts continue to grapple with bankruptcy issues in their attempt to render equitable decisions and to prevent abuse. Banking professionals continue to encounter difficulties in bankruptcy cases. Creditors and banking professionals need to be aware of how the Bankruptcy Code works and how to protect and preserve their rights under the law.
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."
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 | Bankruptcy: Creditor Do's and Don'ts?
Presented by: Sam Ott and James Millar
The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 (BAPCPA) became effective on October 17, 2005. The full effect of the almost complete revision of the former Bankruptcy Code will not be determined for a few more years, but enough time has passed for many debtors and creditors to express their initial feelings and the Courts to begin to determine how some of the complex provisions affect financial institutions.
It's critical that bankers - particularly those involved in lending -- understand the way the provisions of BAPCPA work. 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).
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 | Common Mistakes in UCC Filing
Presented by: John Garvey
Mistakes made today in preparing and filing UCC documents can come back to haunt the lender for years after the loan is made. This two-hour seminar focuses on common errors in preparing and filing UCC documents and the steps necessary to eliminate the errors.
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 | Compliance for Commercial Lenders
Presented by: Jack Holzknecht
While all of the lending compliance regulations cover consumer lending, many also impact commercial lending. Most examiners focus on consumer transactions, but commercial transactions are included in the scope of compliance examinations. Some examiners place significant emphasis on this often overlooked area.
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.
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 | Compliance from the Loan Officer's Perspective
Presented by: Carl Pry
Compliance training can be difficult, not to mention uninteresting to participants, since discussions normally focus on unfamiliar acronyms like RESPA, HMDA, and a jumble of letters (Reg. Z, O, B, etc.). How can you make training easier and more relevant when your audience includes employees that actually do loans?
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.
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 | CRA - Identifying and Documenting Community Development Activities
Presented by: Jack Holzknecht
Large, intermediate small and small banks all receive CRA credit for community development (CD) activities. Such activities include loans, investments, services, and donations. Determining if these activities do or do not receive CD credit can be a confusing task. To make the matter more complicated, the agencies continue to release a steady stream of new guidance on CD 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.
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 | CRA Frequently Asked Questions
Presented by: Jack Holzknecht
When we conduct webinars on the Community Reinvestment Act we are always inundated with questions. And we have conducted quite a few programs on various aspects of CRA over the years. We have "mined" those previous programs to develop a list of frequently asked questions. The questions cover all aspects of the law and regulations - coverage, definitions, assessment area delineation, lending test, investment test, service test, public file contents, and data collection, reporting and disclosure.
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 | Digging for CRA Credit
Presented by: Patricia Cashman
The Community Reinvestment Act (CRA) was passed by Congress in 1977 to encourage financial institutions to make credit available to businesses and individuals in low- and moderate-income neighborhoods. But even after 3 decades, financial institutions struggle with the nuances of the differences between "community development" and "community partner." One can help your financial institution with its CRA rating and the other can only help with your standing in the community. Both are good things to do but the decision about where to put your time, money, and personnel should be made with an understanding of which goal you are trying to accomplish.
But where do you start? 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.
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 | Picky Little Details in Lending Compliance
Presented by: Andy Zavoina
"The devil is in the details" says the old adage. When it comes to compliance, that certainly holds true, and with the huge volume of new provisions and amendments that have come out in the last year, it would be all too easy to miss some of the fine points. On top of that, there are tricky little "gotchas" in several of the old rules as well. 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.
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 | Reducing Fair Lending Risk
Presented by: Jack Holzknecht
Learn the same techniques used by your examiner to identify and mitigate fair lending risk. Being proactive throughout the key stages of a loan will lead to a more effective fair lending program. 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.
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| Residential Real Estate Loans: Performing a Compliance Audit
Presented by: Patricia Cashman
To effectively perform a compliance audit of a residential real estate loan, you must be part detective and part mind-reader. A single residential real estate file can be covered by numerous consumer protection laws and regulations - Reg. B (ECOA), Reg. C (HMDA), Reg. Z (TILA), Fair Housing Act, and Flood Disaster Protection Act for starters. The applicability of any law depends on various factors that may, or may not, be evident in the loan file.
You can be a "fault-finder" or become an important part of your institution's risk management plan. An effective audit program can reduce potential liability, in addition to the amount of time examiners will spend in your boardroom. Determining the source of errors and violations can assist your institution in affecting prompt and appropriate corrective action.
Whether you audit by regulation or by function, and 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.
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 | Regulation W - Transactions with Affiliates
Presented by: Jack Holzknecht
Most financial institutions have one or more affiliates and both the number of affiliates and the complexity of the relationships between the affiliates are increasing over time.
Regulation W was published in 2003. It implements long standing provisions of Sections 23A and 23B of the Federal Reserve Act that regulate transactions with affiliates. This two-hour program explains the basic requirements of Regulation W.
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 | Repossessions and Sale of Collateral
Presented by: John McGarvey
The most substantial change from former Article 9 to Revised Article 9 of the Uniform Commercial Code is in the new Part 6 on default and enforcement.
In this two-hour training session, 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.
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 | Understanding Appraisal Management Companies and Other Third Party Relationahips
Presented by: Richard Hagar
Now that the Home Valuation Code of Conduct (HVCC) is here, many lenders are wondering if they should use an appraisal management company (AMC) or create an internal department to handle the appraisal side of lending. This important business decision must comply with federal laws and regulations, and audit guidelines, as well as FNMA's historic settlement.
The federal government and FNMA are both very aware that many lenders have hired AMCs in attempts to shift responsibility for appraisal management outside their institutions. However, the responsibility cannot be delegated. With or without an AMC, lenders remain responsible for compliance with appraisal regulations. 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.
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 | Workout and Problem Loan Management
Presented by: Mike Woody
There are no distinct, "black and white" answers to the special asset challenge. Each bank and each debtor entail a variety of constituents and agendas. A fundamental seminar goal will be to bring some level of objectivity and scientific decision analysis to the "art" of subjective, "shoot from the hip" work out efforts. This presentation will attack the challenge on strategic and tactical fronts. The strategic issues of your bank's culture, policies, organization, board involvement, and regulatory credibility will be addressed. If possible, learn how your bank is organized as to loan review, work outs, approval of various work out tactics, and how your Board of Directors is involved in terms of committees, policies and procedures, and approvals. The tactical challenges of dealing with debtors, their lawyers, the courts, and your counsel will be analyzed to determine the best possible exit strategy.
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!
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| New Accounts |
| Getting Started with Health Savings Accounts
Presented by: Whitney Johnson
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.
The materials include Worksheets in key areas. The Worksheets are plain English, short, step-by-step guides to walk through the most common and difficult issues in HSAs.
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| HSA Enrollment Season: Understanding Group HSA Issues
Presented by: Whitney Johnson
The fastest growing segment for Health Savings Accounts is small businesses. Are you ready?Many financial institutions treat employer groups the same as if a bunch of individuals were all opening HSAs at the same time -- that's not how it works. Employers adopting HSAs plans have unique needs and special laws apply. 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.
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| HSA Fall Update: Understanding the New IRS Rules (2008)
Presented by: Whitney Johnson
This summer the IRS released three important Notices filling 51 pages with complex yet important new health savings accounts rules and clarifications:
1. IRS Notice 2008-51 covering IRA to HSA transfers,
2. IRS Notice 2008-52 covering the full contribution and testing period rules, and
3. IRS Notice 2008-59 covering a wide variety of HSA topics including HSA custodial duties, establishment, eligibility, administration, prohibited transactions (overdrafts) and more.
Join us for the HSA seminar and learn the details on the new releases and more.
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| Top 25 HSA Questions for 2010: What Every Banker Should Know
Presented by: Whitney Johnson
This fast paced webinar will cover the most important questions your customers will ask you in 2010. The webinar will focus on areas of common confusion and importance. It serves as an update and review for the HSA veteran and an all encompassing introduction for the beginner. We are in tax season so the seminar will discuss tax reporting issues and common customer tax and tax form questions. Participants will receive comprehensive materials that provide details and opportunity for further study and review.
This seminar is devoted to giving you the knowledge you need to offer and support your HSA program with confidence. The seminar will cover the most important HSA questions your customers will ask you in 2010 with an emphasis on the most confusing issues.
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| Opening Business Deposit Accounts: Documenting Existence and Authority
Presented by: Ken Golliher
Accounts opened for businesses pose a number of challenges. The real operating risks incurred by any bank are in assuring that
the business exists and that individuals on the opposite side of the desk are empowered to act on behalf of the business.
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. This element helps attendees realize that while some businesses are a simple extension of a single owner, others are a completely separate legal entity; i.e. in those cases, it's the business that is the customer, not the person across the desk. Secondly, the program addresses how a business documents its delegation of authority to its employees.
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 | Opening Consumer Deposit Accounts: Documenting Ownership and Access
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.
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.
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 | Opening Deposit Accounts for Foreign-Born Persons
Presented by: Mary Beth Guard and Ken Gollier
You think that the Bank Secrecy Act and the Internal Revenue Code have identical requirements for accounts opened for non U.S. persons? Think again. Also, the type of identifying documents available vary according to the category of non U.S. person. We help you understand what each one should have.
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.
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| Opening Fiduciary Accounts: Documenting Existence and Authority
Presented by: Ken Golliher
A "fiduciary" is a person who stands in a special position of trust to another person. The fiduciary's responsibilities are readily translated into legal requirements that fiduciaries must fulfill, always being certain that their actions are well documented and bear in mind the best interest of the person on whose behalf they are acting.
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.
The expected audience is frontline personnel who routinely open deposit accounts for fiduciaries and those who supervise this function. The program will also benefit those who audit or review the account opening process for quality control. Program content is at the basic or intermediate level. Program content does not reflect the laws of a particular state.
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 | Powers of Attorney
Presented by: Mary Beth Guard and John Burnett
A power of attorney can be a wonderful tool for a customer to appoint another individual to act on his behalf. It can also be a scary document for a banker to deal with because there are so many issues relating to the validity of the document, when it's in effect, what it empowers the agent to do, and so much more.
In this program, Mary Beth Guard and John Burnett break it all down for you, explaining precisely what you need to know to confidently deal with POAs executed by your customers.
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| Information Security |
 | Corporate Account Take-Over and Securing your Internet Banking Site
Presented by: Paul Carrubba and Dan Fisher
Account takeover has become a significant problem for businesses and for financial institutions. Millions of dollars have been lost to organized crime rings that have taken over accounts and initiated unauthorized wire transfers and ACH Credit Originations.
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.
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 | Vendor Management & Oversight -- Developing & Implementing a Comprehensive Program
Presented by: Susan Orr
Outsourcing has become a very common practice, but until recently when we thought of managing those relationships the focus was on core IT vendors, those providing core processing, Internet banking, managed network services, and managed security. Even from an examination perspective, the focus was on technology. But when you look at all the laws, regulations, and regulatory guidance that now mandate having a program to manage those outsourced relationships, the focus has widened to "enterprise-wide," meaning all the outsourced relationships within the institution.
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.
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 | Essential Patch and Vulnerability Management
Presented by: Jeff Patterson
Testing and deploying patches for your networks and systems must be completed faster than a hacker can target you for your weakness. Learn how to organize
your processes and include a team to work quickly toward eliminating vulnerabilities. Failure to implement a sound patch management program leaves you exposed to reputational and financial risk. These are risks an institution cannot afford in today's methods of product delivery as well as transaction processing.
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| ID Theft Red Flags and IT--Getting with the Program
Presented by: Susan Orr
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.
Topics covered:
What is required by the rule
What are the elements of the program
How do they tie to IT
What are the red flags
What examiners may be looking at
And more
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| Identity Theft & Data Security
Presented by: Susan Orr
Identity theft is reaching epidemic proportions. Millions of Americans have become victims and the count continues to rise. The threat landscape is changing so rapidly, security experts say it is just the tip of the iceberg. The types of attacks are becoming less sophisticated and more blended; however, the payload from the attacks is becoming more profitable. Once upon a time the goal was purely recognition or the challenge; now it is financial gain. And now there are the new requirements for implementing a written ID Theft Prevention Program complete with identified "Red Flags."
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.
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| Incident Response Plan - Your Framework for Responding to an Information Security Breach
Presented by: Susan Orr
It isn't a matter of "if" but "when" when it comes to a breach that exposes confidential customer or corporate information. Any breach regardless of the type or size can be potentially devastating. Financial losses are not the only concern -- What about your reputation? Financial institutions are particularly vulnerable because of the very nature of their business. They have information that thieves want, information they can parlay into cold hard cash. Despite the fact that rapid response is key to successfully responding to a data breach and minimizing the negative effects, the financial services industry is required to implement security controls that include identifying potential risks, monitoring for and detecting unauthorized access, mitigating the outcome, and notifying customers, law enforcement, and regulators when it does happen.
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.
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 | Information Security: Regulation, Requirements and What's New
Presented by: Susan Orr
In the last several years we have seen new regulations and guidance, all with a common thread addressing information security. Data security remains a hot topic, whether it relates to creating, storing, accessing, processing, or transmitting information. The drivers for increasing data security requirements are many and varied, ranging from emerging technology to plain old theft for financial gain. As technology evolves, risk and threats evolve, bringing changes in regulations to keep up with the technology. Both evolving technology and adapting regulations require changing or developing new processes, policies, controls, and training. The current economic climate will also produce increasing risks which no doubt will bring even more regulation.
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.
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 | Risk Analysis on Information Security
Presented by: Mary Beth Guard
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.
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 | Secure Remote Access—Isn't That an Oxymoron?
Presented by: Susan Orr
Remote access is generally defined as communication from a remote location or facility through a data connection or link into the internal network. The ability to access files and information on your computer over the Internet maybe useful for specific tasks and employees; however, there are also risks involved. If you haven't deployed remote access, you may have employees who are requesting access. Or based on your BCP or pandemic plan, you may be looking at "telecommuting" as an option for specific employees. Remote access outside of the typical "vendor access" is becoming popular in the financial services industry for a variety of reasons. So should you allow remote access? Under what circumstances? Is there a secure way to deploy it? What will your examiners and auditors say?
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.
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| Social Engineering
Presented by: Barry Thompson
Social Engineering: You have heard the term; do you know the impact?
Social engineering is the art of gaining valuable information from your staff or account holders. It relies on developing an individual's trust or gaining snippets of information from various departments and individuals. We will examine how your call center, frontline and even your loan department are probed or attacked. Anyone responsible for Identity Theft Red Flag Regulations will want to understand how social engineering can defeat them. This enlightening presentation will help you develop the techniques and skills to train your staff in defeating or identifying a social engineering attack.
This webinar will teach you the basics of how your institution can be cased, evaluated and ultimately attacked using basic confidence games known as social engineering.
This information-packed session will review the methods used against your account holders to get them to reveal sensitive information. Learn why it is necessary for your institution to provide educational programs for the public! No matter your position in the financial institution, this program will provide a positive educational experience in developing skills to help protect you against a social engineering attack.
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| Stealing from Within: Embezzlement & Data Theft
Presented by: Susan Orr and Dana Turner
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.
Embezzlement and data theft aren't just banking crimes, either. Data theft is often experienced by the institution's clients -- conservatorships and trusts, home health care workers, retail stores, restaurants, insurance, companies, auto dealerships -- just about any industry you can think of. Theft of an employer's identity and data has become one of the most prevalent crimes affecting financial institutions. This presentation provides a basic methodology and appropriate techniques for identifying potential -- and practicing -- data thieves who commit embezzlement.
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| Under Attack: Scams, Schemes and Frauds
Presented by: Barry Thompson
Reloading Scams, Work from Home Schemes, Sweepstakes and Lottery Swindles -- how much has your financial institution lost by not being prepared? Fraudsters can outsmart your financial institutions security measures by using your account holders against you. The faces of fraud are changing rapidly and old confidence games have become reinvented to take advantage of the unsuspecting. The e-bay scam, telemarketing schemes, Nigerian frauds, and counterfeit check schemes are all confidence games played against your account holders. In this webinar, we'll review these confidence games as well as what we can do to stop your account holders from becoming victims.
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.
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 | Unraveling the Mystery of Developing An Enterprise-Wide Information Security Risk Assessment
Presented by: Susan Orr
Risk assessments are a key focus of examinations today and are mandated by regulation. They are essential to an effective and appropriate risk management program and provide the basis for your security program, audit program, business continuity plan, not to mention your vendor management program, identity theft red flag program, BSA, and ACH. Once thought to be an IT risk assessment, today, the focus is on the institution as a whole. Focusing on just IT systems and electronic data is not sufficient.
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.
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| RESPA |
 | All about Escrows
Presented by: David Dickinson
Consumer real estate lending has fast become more complex than ever and soon you'll be required to escrow on many more loans. This webinar will also cover the escrow requirements for Higher Priced Mortgage Loans.
Compliance with the various rules affecting real estate loan escrow accounts can be a daunting task. The RESPA requirements alone are confusing, and there are often flood insurance escrow requirements to be concerned about. Escrow violations, even if isolated or technical, can lead to serious regulatory consequences. In this two-hour presentation, loan officers, administrative personnel and others who work with or audit escrow accounts will get practical information that can save them both time and money.
Join David to get information that is not typically discussed at compliance seminars and manuals.
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 | Complying With RESPA's Section 8 Rules
Presented by: Jack Holzknecht
Over the past few years the Department of Housing and Urban Development (HUD) has tripled its enforcement staff. And no big surprise, the number of enforcement actions has increased significantly. 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.
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 | How to Complete the NEW Good Faith Estimate and Settlement Statements
Presented by: David Dickinson and Jerod Moyer
It's time! We've waited, waited… and waited some more for someone to intervene and put a stop to the January 1, 2010 RESPA reform. It hasn't happened and the day of reckoning will soon be upon us. It's time to embrace the change. We don't like it any more than you do. However, effective training can be your refuge when it comes to understanding and complying with these new requirements.
If you think you've got the Good Faith Estimate and Settlement Statement completion down, think again. Beginning no later then January 1, 2010 you will be required to use the new Good Faith Estimate and Settlement Statement forms. These new forms bear few similarities to the current forms and will be subject to mandatory tolerance requirements.
The Webinar will provide step by step and line by line instructions for the key data fields contained within these complex, new forms. These forms are not easy to understand. You must allow sufficient time to train your personnel on how to complete the forms well before the mandatory compliance date.
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 | RESPA - A First Look at the Rules (2008)
Presented by: Mary Beth Guard and Jack Holzknecht
On November 13, 2008 the Department of Housing and Urban Development (HUD) approved final rules that completely overhaul the requirements of Regulation X. Regulation X is the implementing regulation for the Real Estate Settlement Procedures Act (RESPA). The effective date of the revisions is January 16, 2009, however compliance with many of the new provisions is delayed until January 1, 2010. The new rule is designed to simplify and improve the disclosure requirements for mortgage settlement costs under RESPA. HUD seeks to make the process clearer and more useful and ultimately less costly for consumers. Most of the major disclosures currently required by Regulation X are significantly revised and new disclosures, procedures and restrictions are added.
Upon completion of the webinar participants will understand the final revisions to Regulation X, including: - New defined terms, such as "application," "changed circumstances" and "Tolerance";
- The new three-page Good Faith Estimate form and the new instructions for preparing the form;
- The new credit or charge for the specific interest rate chosen;
- The new limitations on variations (0% for certain charges and 10% for others) for amounts that appear on the HUD-1/1A compared to the GFE;
- Limitation on charging a fee for an appraisal, inspection, or similar charge prior to providing the GFE;
- The new three-page HUD-1, the new two-page HUD-1A and the new instructions for preparing both forms;
- The new average cost pricing method of disclosing costs on the HUD-1/1A;
- Technical amendments to the escrow rules;
- The new E-Sign provision;
- The new severability clause; and
- The revised Servicing Disclosure Statement and the new timing rules for the form.
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 | RESPA - Frequently Asked Questions
Presented by: Jack Holzknecht
When we conduct webinars on RESPA we are always inundated with questions. And we have conducted quite a few programs on various aspects of RESPA over the years.
We have "mined" those previous programs to develop a list of frequently asked questions. The questions cover all aspects of the regulation - coverage, exemptions, disclosure rules (content, timing, etc.) and prohibitions. And we have scheduled plenty of time for your new questions during the program.
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 | RESPA - Implementing the New Rules
Presented by: Mary Beth Guard and Jack Holzknecht
The Department of Housing and Urban Development (HUD) recently approved a final rule that completely overhauls the requirements of Regulation X, the implementing regulation for the Real Estate Settlement Procedures Act (RESPA). While some the revisions are already in effect, most of the new rules are effective January 1, 2010.
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.
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 | Understanding HUD's New RESPA Rules FAQ
Presented by: David Dickinson and Jerod Moyer
We all know consumer real estate lending is fast becoming more complex than ever. The rate at which regulatory change is occurring presents banks with unprecedented challenges. Real estate lending brings together so many regulations that managing lenders and administrative staff can be an overwhelming task even without changes. We feel your pain!
The release of the Frequently Asked Questions is proof positive HUD is rolling full steam ahead with the changes regardless of industry pushback. 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.
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| X Marks the Spot: Auditing for RESPA
Presented by: Patricia Cashman
Without the assistance of an "official staff commentary," understanding HUD's Reg. X, RESPA, is like going on a treasure hunt without the map. Performing a compliance audit for RESPA can be filled with trap doors and snares. Which loans are covered and by which sections? What triggers the "3 days" for some disclosures and "same day" for others? How much variance between the GFE and the settlement statement is okay and how much is too much? To protect a financial institution from getting lost along the way, its auditor can guide it through the RESPA maze to a real treasure - a fully compliant transaction.
RESPA has new rules. This webinar is on what you have to be doing to comply with those new rules.
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| Risk Management |
 | Card Fraud: Traditional to Cyber
Presented by: Allan Trosclair
While the card portfolios of financial institutions are being attacked regularly, there is nothing new in the world of fraud. Old schemes perpetrated by means of new technologies is the trend of the future. Fraud is a random event and occurs infrequently as compared to good transactions, but it is expensive when it does occur! What's the difference between "opportunistic" fraud and "deliberate" fraud? What schemes are devised to exploit weaknesses in financial institutions' systems?
Learn more about the trends of cybercrime - prevalent techniques and how these "new age" crimes grew from traditional crimes --- how they are similar and how they differ. Explore the cyberworld of "crimeware" and "malware" to better understand how it affects your portfolio. This information-packed card fraud webinar will help you better understand the "new technologies" used in card fraud. Join Allan Trosclair, a financial crimes and card fraud expert, in exploring the use of technology to attack card portfolios.
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 | Conducting a Bank-Wide Risk Assessment
Presented by: Kathleen Blanchard
Enterprise Risk Management is a favorite topic of banking regulators - and therefore bankers. Examinations are "risk based." By conducting its own risk assessment, a bank has the opportunity to put all of the information in front of its primary regulator before a risk assessment is made without adequate knowledge of processes and controls.
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| Unraveling the Mystery of Developing An Enterprise-Wide Information Security Risk Assessment
Presented by: Susan Orr
Risk assessments are a key focus of examinations today and are mandated by regulation. They are essential to an effective and appropriate risk management program and provide the basis for your security program, audit program, business continuity plan, not to mention your vendor management program, identity theft red flag program, BSA, and ACH. Once thought to be an IT risk assessment, today, the focus is on the institution as a whole. Focusing on just IT systems and electronic data is not sufficient.
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.
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| Updating Your BSA/AML/OFAC Risk Assessment
Presented by:
Ken Golliher
Are you looking for an efficient, focused approach to updating and critiquing your BSA, AML and OFAC risk assessments? Here it is! Banks are expected to conduct routine risk assessments regarding the "quantity" of risk their institution incurs in relation to Bank Secrecy Act compliance as well as their exposure to money laundering and terrorist financing. An OFAC compliance risk assessment is also expected. In both cases, the assessment must be documented; i.e. in writing. These assessments have a relatively short life expectancy, generally 12 to 18 months. Examiners and independent auditors will request a copy of the current version at the inception of on-site BSA/AML examinations. This webinar shows participants how to gather the necessary information and develop an appropriate document that serves as a valuable resource for their institution. Perhaps of more importance, it focuses on how banks can build a structure that makes the reviews and updates easier by creating a data base of relevant information from prior reviews. It also has a section on how to use board reports to keep the board abreast of relevant risk related information throughout the year.
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| Reducing Fair Lending Risk
Presented by: Jack Holzknecht
Learn the same techniques used by your examiner to identify and mitigate fair lending risk. Being proactive throughout the key stages of a loan will lead to a more effective fair lending program. 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.
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| Risk Analysis on Information Security
Presented by: Mary Beth Guard
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.
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 | Risk Management: The Lender's Job
Presented by: Lucy Griffin
Risk is inherent in what we do. What is "risk management", what does it do for you, how do you get there and why is it so important? 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.
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 | Risk Management: The Teller's Job
Presented by: Lucy Griffin
Often when you want to manage risks you need to look at them from an analog perspective, and you start at the beginning. Many of the most severe risks that need to be managed in today's banking environment start with the teller. Dollars are being deposited and withdrawn, comments are made, questions are asked and the teller is often in the best position to identify suspicious transactions, to recognize structuring and to raise red flags. There are many instances in this job position where risks are obvious. 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.
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 | Risk Management: The Branch Manager's Job
Presented by: Lucy Griffin
This training segment will review risk management from the perspective of a branch manager. The compliance officer and auditor have to identify, mitigate and control risks, but who sees these risks everyday, actually dealing with them and doing what you have said needs to be done? The branch manager is concerned with training staff, ensuring that they have a practical understanding of the financial institution's procedures, employing the controls that have been put in place and assisting in the continued updates to recognize new risks. The compliance officer, auditor and branch manager need to work together and to see what happens from each others perspectives.
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| Regulation Z - Section 32 Mortgages
Presented by: Jack Holzknecht
Congress passed the Home Ownership and Equity Protection Act in 1994. The law was intended to eliminate predatory lending. It added Section 32 to Regulation Z. The law and regulation require special disclosures for transactions that involve high rates or fees. The disclosures must be delivered in a unique timeframe. The regulation also places restrictions on the transaction and on the creditor. HOEPA transactions are also subject to special reporting rules for the Home Mortgage Disclosure Act.
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.
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| Regulation Z - Truth in Lending |
| Credit CARD Act - Getting Ready for Major Changes
Presented by: Carl Pry
The Credit CARD Act is a major piece of legislation that will have far-reaching effects on the credit card industry, of course, but even if you don't offer credit cards, there are provisions that will (or already do) impact your lending operations.
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.
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| New Early Truth in Lending Disclosure Rules
Presented by: Mary Beth Guard and Jack Holzknecht
On May 22, 2009, the Credit Card Accountability Responsibility and Disclosure Act of 2009 (Credit CARD Act) was signed into law. The Credit CARD Act primarily amends the Truth in Lending Act (TILA) and establishes a number of new substantive and disclosure requirements to establish fair and transparent practices pertaining to open-end consumer credit plans. The Federal Reserve Board issued interim final rules to implement the Credit CARD Act on July 15, 2009. 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.
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 | Proper Disclosure of Fees and Charges Under Regulation Z
Presented by: Jack Holzknecht
In spite of nearly four decades of existence, Regulation Z remains one of the most frequently cited regulations. Loan origination software has eliminated many common violations from the past; but proper disclosure of the finance charge remains a major problem area. And it is an expensive problem to resolve.
Loan origination software properly discloses finance charges only if fees are set up correctly in the system. 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.
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| Regulation Z - New Escrow Requirements
Presented by: Jack Holzknecht and Mary Beth Guard
On July 14, 2008 the Federal Reserve Board published final revisions to Regulation Z, which, for the most part, take effect on October 1, 2009. While all of the revisions are important, the requirement that all lenders must escrow taxes and insurance on certain loans will place a significant burden on those institutions that do not currently escrow at all and those that only require escrows on loans sold in the secondary market and therefore do not have any experience managing escrow accounts. The effective date of the escrow provisions is April 1, 2010.
This two-hour webinar covers all of the new Regulation Z escrow rules and the RESPA escrow rules under which escrow accounts must be managed.
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 | Regulation Z Proposed Rules for Home-Secured Credit
Presented by: Mary Beth Guard and Jack Holzknecht
On July 23, 2009 the Federal Reserve Board published proposed significant changes to Regulation Z, which are intended to improve the disclosures consumers receive in connection with closed-end mortgages and home-equity lines of credit (HELOCs). The amendments would also provide new consumer protections for all 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.
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| Regulation Z - Revised Open End Credit Rules
Presented by: Jack Holzknecht & Mary Beth Guard
On December 18, 2008 the Federal Reserve Board published final revisions to Regulation Z, which take effect on July 1, 2010. The goal for this latest revision to Regulation Z is to improve the effectiveness of the disclosures consumers receive in connection with credit card accounts and other revolving (non home-secured) credit plans. The new rules are complex and detailed. They impact application and solicitation disclosures, account-opening disclosures, periodic statement disclosures, and change in terms notices.
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.
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| Reg Z Roundup - Guide to the October 1st Changes
Presented by: Jack Holzknecht and Mary Beth Guard
On July 14, 2008 the Federal Reserve Board published final revisions to Regulation Z, which, for the most part, take effect on October 1, 2009. While all of the revisions are important, the new limitations and prohibited acts and practices provisions impact all mortgage loans secured by the borrower's principal dwelling. These new rules are complex and detailed.
TThis 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.
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| Regulation Z – New Advertising Rules
Presented by: Jack Holzknecht and Mary Beth Guard
On July 14, 2008 the Federal Reserve Board published final revisions to Regulation Z, which, for the most part, take effect on October 1, 2009. While all of the revisions are important, the new advertising rules need immediate attention. Other provisions of the new rules will be covered in future webinars.
Many of you are in the initial stages of planning your 2009 advertising campaign and budget. The changes impact ads for loan products that are broadcasted or distributed in any manner after October 1, 2009. You need to either build the changes into your 2009 ads for the entire year or plan on the expense of retooling ads that run after the October 1st effective date.
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.
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 | Regulation Z – New Rules for Application and Solicitation Disclosures
Presented by: Jack Holzknecht and Mary Beth Guard
On January 10, 2010 the Federal Reserve Board published massive revisions to open-end credit rules. Regulation Z has contained rules for credit and charge card applications and solicitations for years, but new rules that revise the format and the content of the disclosures are effective on July 1, 2010.
A card issuer must design an application/solicitation disclosure for each plan it offers. Lenders that do not issue cards but merely funnel applications to a card issuer must ensure that disclosures that accompany applications comply with the new rules.
The new rules have a major impact on those who offer card-accessed credit. Forms, systems, and procedures to ensure compliance with the rules must be in place by July 1, 2010.
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| Regulation Z – New Rules for Private Education Loans
Presented by: Jack Holzknecht and Mary Beth Guard
Mom, Dad and their 18 year old daughter want to borrow a few thousand dollars for tuition for the daughter's next semester at State University. Do you make loans like this?
The loan is a Private Education Loan (PEL); so, should you:
- Refuse to make the loan;
- Make the loan, but deliver the three new disclosures required by Regulation Z for PELs; or
- Structure the loan so it does not qualify as a Private Education Loan.
This two-hour webinar covers all of the new Regulation Z rules pertaining to private education loans.
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| Robbery and Security Topics |
 | 25 Critical Security Mistakes a Smart Institution NEVER Makes
Presented by: Dana Turner and Barry Thompson
There are hundreds of ways to make critical security mistakes within a financial institution -- and there's so little time to deal with the aftermath created by those mistakes. If you are your institution's Security Officer, one of your primary duties is to reduce or eliminate the opportunities for losses from both internal and external sources -- and crime isn't the only issue. "Security" has become the term that defines the evolutionary process that provides a safe and secure environment for our employees to work -- and for our customers to do business. "Security" has evolved rapidly from a minimal function into the "Security Department" -- a business unit -- and the Security Officer is often assigned the responsibility for managing, promoting and protecting all of the institution's components simultaneously. Used appropriately, the security function may play a unique and pivotal role in ensuring the institution's overall profitability and success.
Examiners insist on a risk-based approach to doing business. This presentation is designed to identify the most common -- and costly -- security-related risks and accompanying mistakes that an institution may experience. The critical mistakes -- and the proposed remedies -- are categorized into several topic concentrations to simplify the process. Both the mistakes and remedies are drawn from BOL Guru Barry Thompson's extensive experience as a security consultant, trainer and writer. 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.
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 | The Beginning Security Officer
Presented by: Barry Thompson
The Bank Protection Act and the implementing regulations specify the requirements for the security officer.We have designed this program specifically for the individual who has little or no previous training in financial institution security. If you have been the security officer for less than three years or are newly assigned to the duties in the security area this is the webinar for you.
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!
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 | Business Continuity Planning: It's All About Risks & Resources
Presented by: Dana Turner
Whether you call it Business Continuity or Disaster Recovery, it is an huge responsibility that you never want to know if it was done right. But when tested, it has to be. Disasters range for accidents to natural disasters of major proportion and your plans need to scale to meet them. 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.
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| Combatting Internal Fraud Before it Happens
Presented by: Barry Thompson
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.
This program will give you vital information on how to organize your bank before an internal fraud happens.
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 | Conducting Background Investigations
Presented by: Dana Turner
A strong skillset to conduct effective investigations within your financial institution is required by more than the Security Officer. Perhaps you should have many people trained to do this. What are the elements of an effective investigation and what techniques are best used for an investigation involving a crime or a non-crime event? Yes, there are many circumstances which may prompt an investigation and by someone other than the Security Officer. Learn what can be done, should be done and must be done.
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 | Conducting Investigations: An Orientation
Presented by: Dana Turner
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.
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 | How to Conduct an Interrogation
Presented by: Dana Turner
Some people REALLY don't want to talk with you! And when they do talk, they lie! Get over it -- it's part of the "game." Interrogating a person isn't about you and your sensibilities. It's about getting quality information from people who are reluctant to talk with you. And if you're one of those folks who like to skip ahead in a book you're reading -- this webinar may not be for you. If you appreciate winning the "grand prize" -- getting an admission from a suspect -- this webinar may very well be just what you need.
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. The presentation is designed especially for those people who are responsible for investigating and documenting events for financial institutions: compliance officers, human resource specialists, security officers, auditors and operations managers.
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 | Identifying Financial Statements Fraud
Presented by: Gene Bucciarelli
Today's best audit departments do more than just audit. They practice a wide variety of techniques that add value to their organizations. These tools and techniques create a spirit of cooperation and teamwork throughout the organization. These tools and techniques create a spirit of cooperation and teamwork throughout the organization. They become an indispensable part of senior management's information system and are called upon to participate at all levels of tactical and strategic planning and system design.. 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.
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 | Implementing the New Risk-Based Pricing Regulations
Presented by: Mary Beth Guard and Jack Holzknecht
On December 22, 2009 the Federal Reserve Board and the Federal Trade Commission published 202 pages of final rules to implement the risk-based pricing provisions in section 311 of the Fair and Accurate Credit Transactions Act of 2003 (FACT Act), which amends the Fair Credit Reporting Act (FCRA). This webinar reviews all of the requirements for compliance with the new rule, which will be effective January 1, 2011.
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 | Interviewing: Both a Craft & a Science
Presented by: Dana Turner
So -- you think that you're a good interviewer? Or -- you can't understand why people won't answer your questions? Most people learn to interview through social interaction. Family, friends, social and workplace settings provide casual and informal environments where participants can develop and test their communication skills. These settings simply aren't the best places to learn about the craft and science of interviewing. An investigator who has developed the required planning, focus, communication and information processing skillset naturally becomes an effective interviewer and generally achieves superior results. An investigator who doesn't develop this skillset is doomed to achieve mediocre results -- while he/she wastes significant institution resources.
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 | Last Minute Guide to Multi-Factor Authentication
Presented by: Mary Beth Guard and Jeff Patterson
Identity theft, fraud, money laundering, unenforceable agreements, monetary loss, reputation damage. As cyber criminals become more technologically adept,
the risks related to Internet banking continue to increase. User name and password (single-factor) authentication is no longer a viable method to mitigate those risks. Each institution must continue to analyze the perils related to Internet banking and implement a 'risk-based and layered' solution to mitigate those risks.
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 | The Lowdown On Document Forgery: It's An Epidemic
Presented by: Dana Turner
Forgery is one of the most feared (and underrated) financial crimes -- and it's a crime that nearly every kind of offender commits. Most financial institutions don't train their employees to spot the distinct kinds of forgeries and document alterations -- crimes that are often coupled with identity theft and embezzlement. There are actually several methods for forging and altering documents -- and each method has its own mechanical characteristics and leaves tell-tale clues. Most institutions also don't train their employees how to prevent forgeries and related crimes. Most institutions don't conduct an appropriate risk assessment exercise to determine any vulnerability to forgeries and document alterations.
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 | Robbery Prevention, Response & Aftermath
Presented by: Dana Turner
The Security Officer's primary duty is to develop and administer a written Security Program for the institution. This is not an option for any financial institution -- banks, credit unions or thrifts -- it is a regulatory requirement. And even if it wasn't a requirement, initiating and maintaining an effective Security Program just makes good business sense. The Security Program must contain policies and procedures that address robberies -- as well as an initial and periodic training program that also addresses robbery.
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 | Security Blunders: Show & Tell
Presented by: Barry Thompson
Is your financial institution facility safe and secure? Don't put your customers, your employees, and potentially your bottom line at risk!
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