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Course description

Private Banking by any name at a community or larger regional bank often means offering personalized services to high income/high net worth individuals and their related business entities.  Unlike Private Banking at very large financial institutions, Private Banking at community banks usually does not involve asset management or specialized investment products or international banking risk.

Customers will often receive personalized services for existing bank deposit and credit products; for example, the private banker will go to the customer’s home or office to pick up and drop off paperwork and keep them aware of new product offerings.

The Private Banker will often serve as the gatekeeper for the relationship with the bank’s various product areas, smoothing the way for the customer with personalized services. In some cases, there may be specialized deposit or loan products for private banking customers. Private Banking customers do not necessarily receive lower borrowing rates or higher deposit rates.

Private Banking customers generally must meet income and/or investable asset thresholds in order to qualify for personalized service.

While there is nothing inherently wrong with Private Banking, it does present risk to the bank, such as fair lending risk, BSA/AML risk due to the larger balances and closer banker relationships that can lead to “favors”, or unequal treatment of customers of equivalent finances outside of the Private Bank.

Private Banking takes advance planning and monitoring to manage regulatory risk. This webinar will review those risks and present ways to manage them.

Who should attend:
Senior management and product development staff, Compliance and BSA Officers, Auditors, Private Banking staff – any staff members who need knowledge of Private Banking and the accompanying risks.


Kathleen Blanchard

Kathleen Blanchard has over 32 years of experience in banking. She has developed lending and regulatory processes as a banker and consultant and presents detailed regulatory training that is very process specific. Her banking background includes commercial and private banking lending, credit review, credit policy and procedures, risk management and regulatory compliance at both community, regional and large international banks. Kathleen has been providing training and consulting services for banks, credit unions and non-bank lenders on their regulatory compliance processes, HMDA and CRA reporting, process development and training since 2006. She is a Certified Regulatory Compliance Manager and a BOL Guru for Kathleen presents her views and advice on HMDA and CRA and other regulatory matters at her website, Since 2015, Kathleen has been delivering in depth regulatory compliance consulting and training via The HMDA Academy, a unique personalized combination of consulting, training and resources delivered online to assist financial institutions and vendors in learning and applying the revised HMDA process and rules going into effect in 2017 and 2018.

Course curriculum

  • 1


    • Private Banking for Community Banks

  • 2


    • Slides

    • Questions and Answers