| Advertising |
 | Advertising Compliance
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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 | Advertising Rules for Lenders
Presented by:
Jack Holzknecht
The lending area has several unique advertising requirements that are contained in the Fair Housing Act and the Truth in Lending Act. Recently a lot of attention has been focused on problems arising from the Federal Trade Commission's Deceptive Acts and Practices Rule. This program explains the rules as they apply to various advertising media, including websites.
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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? How about a contest or a drawing? Will account bonuses bait the hook? How about a sweepstakes or lottery?
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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 | Overdraft Marketing and Policies
– Adapting to the New Rules
Presented by: Ken Golliher and John Burnett
Two recent regulatory issuances significantly influence financial institutions marketing Overdraft Protection Programs.
There are also provisions that can affect the overdraft policies and procedures at all institutions, and make changes in advertising requirements for deposit accounts. Regulatory guidance on ODP programs and recent amendments to Regulation DD combine to affect virtually every institution in some way.
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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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| 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 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.
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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 | 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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 | Internal Controls: Why, Which, & Where
Presented by: Gene Bucciarelli
Instituting internal controls on new products or services requires an in-depth understanding of what regulations require them, what the control cycle is, minimum controls to protect the institution and maximum controls that won't be prohibitive, how to review the controls in place, and more. These are the same traits needed to review existing controls. Learn the ins and outs of Why you have them, Which work and Where to put them in this 2-hour webinar.
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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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 | Truth in Lending - Auditing Open-end Credit
Presented by: Jack Holzknecht
Home equity lines and overdraft lines are just two of the common open-end credit products many institutions offer today. Your compliance program should address the risks involved in open-end products and the controls. One of these is auditing and monitoring. This webinar will go through initial disclosures and periodic disclosures, program disclosures, credit card solicitations, rescission notices and more. Open-end products are somewhat unique and a special skillset is required to manage the compliance aspects involved. Here is a chance to hone your skills.
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| Bank Secrecy Act and AML |
 | Anti-Money Laundering Program: Your Early Warning System
Presented by:
Patricia Cashman
What do a $55 million bank in Florida and Riggs Bank with $6 billion in assets have in common? They have both been assessed civil money penalties by FinCEN for deficiencies in their anti-money laundering programs. Financial institutions across the country have discovered too late that they are expected to have procedures in place to "properly identify or analyze or report" suspicious activity. Whether large or small, located in New York or Kansas, your regulator expects an effective and detailed AML program.
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 | 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 - 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 Audit
Presented by: Patricia Cashman
NEW EXAM GUIDANCE is out and you are expected to know what it says and how to implement it. Get a head start by knowing what is now required and how you should go about auditing for BSA compliance.
Knowing what is examined helps you understand the spirit and intent of these rules and to build a solid compliance foundation that will improve your processes and your BSA program.
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 | BSA Compliance Management Update
Presented by: Ken Golliher
Ongoing Bank Secrecy Act (BSA) training is a legal requirement.
For the experienced BSA Officer or Auditor, that training needs to focus on recent developments and reminders regarding key issues. This two hour session was designed for that group.
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 | CIP, Customer Due Diligence and Enhanced Due Diligence
Presented by: Ken Golliher
There is a new hierarchy of information requirements associated with account opening. It carries over to account monitoring after the account is established. Banks must obtain specific information required by law in their Customer Identification Program (CIP).
From there, they move up to Customer Due Diligence and then Enhanced Due Diligence. Each regimen is a critical pulse point in the evaluation of any BSA compliance program and a key term in the revised BSA examination procedures.
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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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 | Documenting Your BSA/AML/OFAC Risk Assessment
Presented by:
Ken Golliher
Are you looking for an efficient, focused approach to conducting and documenting a risk assessment at your financial institution? Here it is! Banks are expected to conduct an assessment regarding the "quantity" of risk their institution incurs as a prelude to establishing a BSA/AML compliance program. An OFAC compliance risk assessment is also expected. In both cases, the assessment must be documented; i.e. in writing. The assessments must be updated periodically and examiners and independent auditors will request a copy of the current version at the inception of on-site BSA reviews. This webinar shows participants how to gather the necessary information and develop an appropriate document.
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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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 | Preparing for the New BSA Exam
Presented by:
Ken Golliher
The regulatory agencies recently published interagency examination procedures for Bank Secrecy Act & Anti-Money Laundering (BSA/AML) examinations.
They are an incredible resource for supervised institutions and the agencies have promised both telephone seminars and live half day "introductory" sessions for the industry. This session will build on those offerings, presenting bankers with ideas on how to use the new procedures as tools in the maintenance and design of their BSA compliance and audit programs. It is presented from the perspective of the banker, not the regulatory agency.
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 | Reporting Suspicious Activity
Presented by: Ken Golliher
This program helps listeners analyze their responsibilities, understand the requirements for form completion and develop a formal filing process as recommended by bank regulatory agencies.
It provides participants with an educational opportunity focused on SAR filing rather than the small amount of time oftentimes devoted to it during Bank Secrecy Act seminars.
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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
SAR filing decisions are the end result of one of the major compliance processes within your institution. That process should involve a number of people and systems and it must take place every day without fail in your organization. It is totally dependent upon tangible due diligence and enhanced due diligence processes.
This session (originally presented at BOL's BSA Top Gun Conference) will help you develop a process that leads to a good SAR filing decision, one you can document and defend. The presentation does not deal with filling out the form; it focuses on the process leading up to a SAR filing decision.
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 | Suspicious Activity Reporting: How, when, why
Presented by: Ken Golliher
This training focuses on one of your institution's most difficult compliance responsibilities.
The program simultaneously fills a legally required training responsibility, Suspicious Activity Report (SAR) completion. Well publicized enforcement actions have been taken against banks that neglected these responsibilities are increasingly common - you want to make certain your institution is not added to the list.
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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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 | 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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 | Traditional IRAs: Distributions to Participants and Beneficiaries
Presented by: Laura Wilson
IRA products can be confusing. Laura Wilson can explain them in working terms so you and your staff
will understand the rules pertaining to the distribution of these deposited funds to both the participants and the beneficiaries. Who is eligible to collect funds and when? Get your answers here.
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 | Opening Traditional IRAs: Accepting Contributions, Rollovers and Transfers
Presented by: Laura Wilson
This 2 hour format allows time to cover the basics of opening and funding Traditional
IRAs without becoming overwhelming to the IRA novice. If you have never attended an IRA seminar, this is the place to start. If you have general knowledge of IRAs, but need a shot of confidence before IRA season cranks up, this program is for you.
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 | Roth IRAs: Soup to Nuts
Presented by: Laura Wilson
This 2 hour format allows time to cover the basics of opening and funding Traditional
IRAs without becoming overwhelming to the IRA novice. If you have never attended an IRA seminar, this is the place to start. If you have general knowledge of IRAs, but need a shot of confidence before IRA season cranks up, this program is for you.
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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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 | 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 IRS Reporting Other
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| ACH |
 | ACH Returns
Presented by: John Burnett
It's more critical than ever that you understand how to manage your ACH returns! Using the wrong return reason or missing a return deadline can mean losses for your institution.
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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 Compliance: It's in the Cards
Presented by: John Burnett and Andy Zavoina
Electronic fund error resolutions are complicated. Knowing which rules apply and how to follow them is difficult. Not knowing is costly. You may pay to many claims, or to few. Either way, these could be written up as violations. Learn the right way, learn who is due what monies, and learn from experts with over 50 years of experience.
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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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 | 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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 | Stored Value and Prepaid Debit Cards
Presented by: Mary Beth Guard
Is your institution selling gift cards? Do you offer payroll card accounts? Do your commercial customers want an alternative to paper gift certificates, bonus checks, refund payments? Are individuals seeking prepaid debit cards to use for online purchases because they consider them safer?
This program will lay an informational foundation for understanding the various types of stored value cards, including open system, semi-open system, closed system, and semi-closed system. Once the differences between the different types of cards are explained and the bank's role is understood, we'll move on to a discussion of legal and practical issues.
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| BSA/AML |
| BSA Compliance Management Update
Presented by: Ken Golliher
Ongoing Bank Secrecy Act (BSA) training is a legal requirement.
For the experienced BSA Officer or Auditor, that training needs to focus on recent developments and reminders regarding key issues. This two hour session was designed for that group.
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| 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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 | Frontline Compliance Issues
Presented by: Mary Beth Guard, Jim Bedsole, John Burnett and Andy Zavoina
Four speakers in two hours providing function based training on seven core topics. This webinar is a powerhouse designed to explain how to "do" compliance on the frontline.
Those who do, those who supervise and those new to banking and compliance will learn the practical side of every day compliance requirements.
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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
This webinar provides simple explanations regarding sole proprietorships, partnerships, corporations, and limited liability companies. The program first focuses on how they are established; why the business owners might choose one form of business organization over another; and what documents the bank might reasonably require to verify a business' existence. It also addresses what types of documentation is necessary to establish signature authority over each type of business account. It identifies any applicable consumer protection laws, but does not include a detailed analysis of their requirements.
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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.
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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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 | 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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 | 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
Employees don't need "this is the way we've always done it" but they do need to know the law. John Burnett will discuss real like banking problems and real life answers as he helps you determine who is liable for the check paying problems you see daily. This is an advanced level review into Reg. J, CC, the UCC and FR Operating Circular #3.
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| Compliance |
 | A - Z of Reg DD
Presented by: Andy Zavoina
Regulation DD has been with us for a few years, yet we continue to have misunderstandings about the requirements of APYs, subsequent disclosures and the delivery of time deposit notices as well as the payment of interest. This two hour program will review the regulation from front to back with an emphasis first on the technical requirements met by new accounts staff and others, and then on what to audit, how and use of tools available to assist you.
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 | A - Z of Reg E
Presented by:Andy Zavoina
A recent study shows that 3 million consumers lost $2.75 Billion in a twelve month period. Zero liability on certain debit cards saves the consumer money in the event of fraud.
The consumers didn't lose $2.75B and someone paid for the zero liability claims. Often that is you. How much should you pay, how do you investigate a Reg. E claim and what are the basic disclosure rules imposed by the regulation? Tune in, and know the rules.
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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
Did you keep up with the changes this year in operations 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 relate to operations compliance to keep your compliance program on target.
You'll learn what's new, what's different, and what you now need to focus your attention on. With all the developments that have taken place, it would be easy for something new to slip through the cracks. This program will help provide the peace of mind of knowing nothing has changed, other that what you already have addressed.
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 | Deposit Notices: It's Not Easy
Presented by: Lucy Griffin
It can be tempting to think that giving deposit notices is a slam dunk. After all, we have those pre-printed deposit account disclosures. That crafty document has everything required by Truth in Savings and more besides -- doesn't it?
Unfortunately, giving customers information about their deposit accounts isn't quite that easy. We have to know more than "give them the booklet." We have to know what is included in the disclosures and what other disclosures should be given. It also helps to know why customers need the information and how to explain it. In short, we need to know what information to give them and how to explain it when customers ask questions.
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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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 | Holds for Tellers
Presented by: Ken Golliher
By understanding and using Regulation CC you can avoid operational losses, regulatory violations and you can save money.
Reg. CC training is required for those who must address your funds availability. This program is designed for entry level personnel but will be useful by all who are involved in carrying out your policy from the teller, to the supervisor to the auditor and more. The resource materials provided will serve as excellent resources for the future.
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 | Just Reg E Claims - Paying and Keeping Money
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 your 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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| Overdraft Marketing and Policies
– Adapting to the New Rules
Presented by: Ken Golliher and John Burnett
Two recent regulatory issuances significantly influence financial institutions marketing Overdraft Protection Programs.
There are also provisions that can affect the overdraft policies and procedures at all institutions, and make changes in advertising requirements for deposit accounts. Regulatory guidance on ODP programs and recent amendments to Regulation DD combine to affect virtually every institution in some way.
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| IRS Reporting |
 | 2007 IRS Customer Information Reporting - Part One
Presented by: Ken Golliher
Part One of this program focuses on the mechanics of the financial institution's IRS compliance program, lending related returns and 1099MISC reporting.
This includes payments made to appraisers, accountants and any other non-employee of the institution. New regulations issued in 2006 clarify reporting requirements for payments made to attorneys. Reporting as required under the new regulations is mandatory for payments made after January 1, 2007
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 | 2007 IRS Customer Information Reporting - Part Two
Presented by: Ken Golliher
Part Two of this program is devoted to IRS compliance issues that are unique to the deposit side of the institution.
Common errors in account titling and TIN combinations, non resident alien requirements and reporting interest upon the death of a customer are addressed. In addition, the IRS backup withholding program is explained in detail. Learn what is required when the institution receives an IRS B-Notice or C-Notice and how documenting compliance efforts can dramatically reduce future compliance efforts.
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| Other |
 | Auditing Deposit Products
Presented by: Andy Zavoina
Why is auditing your deposit products like managing a trip to the moon? If you are off by a quarter of a degree, at first it doesn't matter, but when you get to where the moon was supposed to be, it is a big deal.
With so much time between exams, auditing your deposit products has never been more important. A failure in one area can cause substantial problems by the time it is found, if you aren't detecting and correcting on a regular basis. Systems changes, personnel changes, training, procedures and more influence your compliance rating. Learn the right way to audit the deposit side of the bank including what regulations, when, with what resources, who to report to and how to correct the problems.
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 | Health Savings Accounts: Regulatory Alert
Presented by: Deborah Crawford
Health Savings Accounts are one of the most innovative and interesting deposit products entering the banking arena in the past decade. The Tax Relief and Health Care Act of 2006 impacts Health Savings Accounts in ways beneficial to your customer. In the past, the amount of the deductible affected the amount of contribution that could be put into a Health Savings Account and that is no longer the case. Also, in partial years customers could only make contributions for the months that they were covered by the High Deductible Health Plan insurance and that is no longer true. If that is not enough, we also see one time rollovers from FSAs and HRAs and one-time rollovers from IRAs into HSAs.
During the Health Savings Account Regulatory Alert we will cover all the new changes and some of the administrative and compliance problems that institutions have had while we learn about these important products for the future. We will also cover some reporting clarifications about mistaken distributions and information about using signature cards and Regulation E with these accounts.
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 | Top 25 HSA Questions in 2008: What Bankers Need to Know
Presented by: Whitney Johnson
Health Savings Accounts moved from the fringe to the mainstream in 2007 with 62% of financial institutions now offering them. Over 80% of financial institutions cite customer demand as the reason for getting into HSAs. Demand will grow significantly in 2008 as more and more individuals and employers make the switch to save money and enjoy the benefits of HSA ownership. Education is repeatedly cited as the #1 issue for HSAs: most Americans still do not understand them. Financial institutions, as a trusted provider, are positioned on the frontline of this educational challenge.
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 2008 with an emphasis on the most confusing issues.
The seminar will also cover issues facing employers offering HSA programs. Understanding the special needs of businesses, especially small businesses, is crucial to success in the HSA market. You will leave this seminar more confident in your knowledge of HSAs and armed with the knowledge necessary to work with employer groups.
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 | Issues with Deceased Customers
Presented by: Mary Beth Guard and John Burnett
When your customer passes away, you have issues that must be addressed. It doesn't help that the customer has little or no knowledge about paying "old" checks signed by the deceased or the acceptance of deposits payable to them. They want funds |
