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    Appendix F: Red Flags for Money Laundering and Terrorist Financing

    In this session, we will discuss appropriate training, policies, and procedures to ensure that your frontline personnel is prepared to identify and refer potentially suspicious activity. This program will answer commonly asked frontline questions and will review the red flags of terrorist financing, money laundering, and other financial crimes. You don't want to miss this fun and engaging frontline training session, which will help improve the quality of your anti-money laundering program!

    Top 10 IRA Issues: Compliance, Reporting, Death, and Distributions

    With regards to IRAs, your account holders or members are often unfamiliar with reporting requirements, the various types of distributions, the rules at death, the IRA penalties (and exceptions thereof!), the procedures for requesting extensions…. as well as many other IRA issues! This 90-minute session will provide an in-depth review of the most current top issues surrounding IRAs that financial organizations frequently encounter. We will review current IRA reporting requirements, which include an examination of required minimum distribution statements, fair market value statements, account statements, Form 1099-R, and Form 5498. We will touch upon electronic reporting requirements and beneficiary reporting requirements. This program will also explore procedures for requesting extensions and the IRS penalties your account holder may face for improper reporting.

    Boost Your IRA Knowledge Base: Plan Types, Forms, Updates, & More!

    It’s getting down to the wire on that dreaded tax deadline. What do you do when someone walks in at 5PM on April 18th this year to make a contribution to his/her IRA? What if s/he doesn't have an IRA and you need to open one for him/her? These and other questions will be answered in this informative webinar. If you have just started with IRAs or want a good review of IRA fundamentals, this is the program for you. This session will prepare you to open, move, and close IRAs-- and get all the paperwork right in the process. If you have been afraid of IRAs or simply lack basic knowledge on the topic, this webinar will get you excited and motivated to become the IRA expert at your organization.

    Opening Personal Accounts and FDIC Compliance: How to Avoid Estate Planning Consequences!

    Account opening mistakes could have irreparable consequences for your customer and possibly their heirs. This seminar takes a look at the legal issues of opening personal accounts and how styling those accounts could make it easy for estate planning or a total nightmare. This session will also assist customer contact staff in building a framework for addressing some difficult questions asked by your customer without giving tax or legal advice. Estate planning for your customer maybe affected by what you and your customer decide to do on a particular account.

    FinCEN's New Currency Transaction Report (CTR): Technical Specifications for Completing & E-Filing

    FinCEN developed a new electronic BSA Currency Transaction Report (CTR) that replaced FinCEN CTR Form 104. The new FinCEN CTR is mandatory and must be filed through FinCEN's BSA E-Filing System. The new CTR includes numerous additional data elements—it is quite different in style and approach than its predecessor.

    Mobile Device Risks, Records, and Compliance Rules

    This webinar is a timely program for professionals who want to ensure that their bank’s mobile content, use, risks, policies, records, privacy, and procedures are managed in compliance with the law, regulatory rules, and organizational guidelines. Did you know that only 39% of companies have a formal Bring Your Own Device (BYOD) to work policy? Employees regularly use mobile devices for business and personal communication. While some use bank-owned smartphones to hold private conversations, more and more employees are using personal, unsecured iPhones and mobile devices to conduct bank business.

    Commercial Real Estate Lending in Today’s Economy

    The commercial real estate market has its “ups” and “downs.” Prior to the “Great Recession,” many banks were heavily concentrated in this market. But as the market has started to recover, it is important that banks “cautiously” expand their commercial real estate loan portfolio. This requires an understanding of “commercial real estate” and the “loan transaction” process. Attend this Webinar to review the basics of “commercial real estate” including types of properties, environmental issues, and demand/supply in the “current” market.

    Unfair, Deceptive, or Abusive Acts and Practices (UDAAP) Compliance: Managing the Risk

    Examiner expectations for Unfair, Deceptive, or Abusive Acts and Practices are one of the fastest evolving regulatory compliance areas in banking today. Without checklist standards, financial institutions have to look at compliance risk from a new perspective. While this may take some practice, it is not impossible to succeed in managing your UDAAP risk. Attend the Live Session or get the OnDemand or DVD recording of this session, and after viewing contact our instructor with any questions to have to meet compliance.

    Hitting the ECOA Bullseye: All Arrows Point to Regulation B


    This is a rebroadcast of a session that was originally recorded on the 30th of November 2016. 

    Bonus Supplement: When you register for this session, you will receive a Sample Addendum to Guaranty, which can be tailored to your financial institution's contractual needs and lending documents.    

    The rules for Regulation B have been updated -- a new target is flying overhead. Are you and your team prepared for the changes? 

    In the past 2.5 months, several events related to the Equal Credit Opportunity Act have occurred, including:

    • 30 August. CFPB Director Richard Cordray's announced that the ECOA and Reg B prohibit credit discrimination based on gender identity and sexual orientation
    • 28 September. Acting on a referral from the Federal Deposit Insurance Corporation (FDIC), the Department of Justice (DOJ) pursued a case against Charter Bank, asserting the FI violated the ECOA by discriminating based on national origin when making vehicle-secured loans. To settle the suit, the bank agreed to pay $165,820 as monetary damages for affected borrowers, provide ECOA training to bank employees, and display a notice of nondiscrimination.
    • 29 September. The CFPB published an Approval Action that provides a safe harborunder the ECOA and Reg B for lenders who use the revised Uniform Residential Loan Application (URLA) form issued by Fannie Mae and Freddie Mac in August 2016. The Agency states that it has “determined that the relevant language in the 2016 URLA is in compliance with” Reg B’s requirements for whether, and how, a creditor may seek information about an applicant’s race, color, religion, national origin, sex, marital status, and income sources, and information about an applicant’s spouse or former spouse.
      • This Approval Action also offers flexibility for lenders who must collect and report information about mortgage applicants’ ethnicity and race under the Home Mortgage Disclosure Act (HMDA), implemented by Regulation C
    This session will teach you how to hit that ECOA bullseye. Learn to fire arrows to nail the Reg B target with attorneys who have the knowledge, experience, as well as a U.S. Supreme Court affirmation on this important topic. 

    We will provide practical tips and tools to ensure you nail the target. Join us for engaging play-by-play information on ECOA and the latest trends in Regulation B. 


    Advertising Compliance: What Marketers Need to Know About Regulatory Expectations

    This session will explore the rules that apply to all types of ads and how to incorporate those rules into your materials. You will learn the ways in which the Unfair Deceptive or Abusive Acts or Practices Act (UDAAP) and the Equal Credit Opportunity Act (ECOA) relate to your bank or credit union's advertisements. We will also explore the various regulatory bodies who have authority to create and enforce advertising rules, including: The Consumer Financial Protection Bureau (CFPB), the Federal Deposit Insurance Corporation (FDIC), the Office of the Comptroller of the Currency (OCC), and the National Credit Union Administration (NCUA).

    Active Shooter! Violence in the Financial Workplace: Prevention Policies to Protect Personnel & Accountholders

    According to the Bureau of Labor Statistics Census of Fatal Occupational Injuries (CFOI), workplace violence is on the rise in the United States. Workplace violence is any act or threat of physical violence, harassment, intimidation, or other threatening disruptive behavior that occurs at the work site. This ranges from threats and verbal abuse to physical assaults and even homicide. Violence at the financial workplace can affect and involve employees, clients or members, and visitors.

    3 Lines of Defense: The New (Old) Approach You Should Take to Enhance Your Compliance Program

    The idea of a 3 line defense system is not necessarily a new concept, but it is one that has begun to receive more emphasis. With our regulatory world changing and becoming increasingly complicated, a new formalized approach to the 3 lines of defense is helping many institutions stay on track and in compliance. This approach helps to establish responsibility and accountability throughout your processes. This session will explore what the 3 lines of defense look like and how you can implement them in your institution.

    Alert! Implementing New Customer Due Diligence Rules: Legal Entity Customers

    FinCEN is issuing final rules under the Bank Secrecy Act to clarify and strengthen customer due diligence requirements for: banks; brokers or dealers in securities; mutual funds; and futures commission merchants and introducing brokers in commodities. The rules contain explicit customer due diligence requirements and includea new requirement to identify and verify the identity of beneficial owners of legal entity customers, subject to certain exclusions and exemptions.

    Maintaining Compliant FDIC Records, Including Related Emails & Social Media Retention Rules

    Some banks unknowingly have established unlawful online banking and record retention programs that violate federal and state law, E-Sign, FDIC rules, and industry and government regulations. Many banks find the legally compliant management of electronically stored information (ESI) challenging. Thanks to the pervasive use of smartphones, mobile devices, and social media in the workplace, bankers face growing confusion and pressure to effectively manage the compliant creation, retention, and disposition of FDIC records, e-statements, business record email, and other ESI. Compliance with FDIC rules, E-Sign, the law, and regulatory guidelines is mandatory. Noncompliance could result in protracted litigation, costly fines, and unhappy customers. Join us to review FDIC and other regulatory retention rules; E-Sign record requirements; email, social media, and mobile device record risks; and electronic record retention rules, policies, and best practices.

    Collecting Past Due Accounts in 2017: Complying with the CFPB, UDAAP, MLA, SRCA, & More

    When you register for this session, you will receive a Toolkit that includes (but is not limited to) the following items: (1) Strategies to improve your collections skills; (2) Tips to ensure all accounts are handled in a consistent fashion; (3) Important provisions to add to your institution's debt collections policies and procedures NOW! By broadly interpreting the types of collections practices that are considered Unfair, Deceptive, or Abusive Acts and Practices (UDAAP), the Consumer Financial Protection Bureau (CFPB) has redefined the types of practices your FI can employ to collect on debts.

    Detecting and Preventing Accounts Payable Fraud

    According to the Association of Certified Fraud Examiners, businesses suffer an average of $155,000 every time an insider commits fraud. More disturbing: Billing schemes (perhaps the most common form of AP fraud in the financial industry) are by far the most common fraud schemes threatening organizations, making up nearly one-third of the total. Adding to the problem, check fraud is rising at a rate of 25% per year and criminals are coming up with new high-tech ways of hijacking corporate ACH (Automated Clearing House) accounts In brief, Accounts Payable (AP) is the one business function that, in many organizations, is more vulnerable to fraud than any other. That is because all funds that flow out of the organization must first pass through AP. And over time, dishonest insiders and vendors have created newer and craftier methods of stealing from organizations by exploiting control weaknesses in the AP function.

    Roth IRA Conversions, Recharacterizations, Rollovers, & Transfers: Understanding Requirements & Avoiding Errors

    Moving funds around seems to get everyone in an uproar. Sometimes the check is not written correctly or the coding is not done correctly. This IRA program is designed for those who work with account holders to move IRA funds around. So many errors occur in this area of the financial institution which can cost you or your account holder money and hassle.

    CFPB Diversity Self Assessment Standards and What They Mean to You

    This session will explore the Final Interagency Policy Statement Establishing Joint Standards for Assessing the Diversity Policies and Practices of Entities Regulated by the Agencies and how you can apply these standards to your institution.

    Managing E-Sign, E-Statements and E-Disclosures: Reducing Fraud Risks & Maximizing Legal Compliance


    This is a rebroadcast of a session that was recorded on the 13th of December 2016. 

    Are you confident your e-statement program is compliant with legal and regulatory guidelines? Many financial institutions have unwittingly established unlawful online banking programs that are in violation of the federal Electronic Signatures in Global and National Commerce (E-SIGN) Act.  If you are caught operating a noncompliant program, every e-statement you’ve ever sent could be deemed legally invalid. Regulatory fines, defense costs, and legal settlements could far exceed the potential savings e-statements provide. 

    Financial institutions engaged in electronic banking are legally obligated to adhere to the E-SIGN Act.  E-SIGN disclosure rules prohibit banks from implementing wholesale switchovers, in which all customers are automatically converted to e-statements. Instead, E-SIGN requires customers to “opt-in” before receiving e-statements, so paper statements must be available for those who lack the technology (or desire) to view statements electronically. Are you managing e-statements, e-disclosures, and other e-records effectively and compliantly?  Join us for a review of the related compliance risks, rules, policies, and best practices. You’ll learn what it takes to help ensure that your E-SIGN program is compliant with legal, regulatory, and organizational guidelines.

    Optimizing Overdraft Protection Programs: Regulatory Compliance, Examiner Expectations, & Best Practices

    This informative session will explore the world of overdraft programs and enable you to ensure your institution is operating within the new regulatory environment.

    2016 Call Report Update and Hot Topics


    *DEEP DECEMBER DISCOUNT* Take 25% with code: guest25  

    This is a rebroadcast of a session that was recorded on the 19th of October 2016. 

    With the accounting and regulatory landscape constantly changing, the Call Report continues to evolve as well. Call Report preparers and reviewers must stay up-to-date on the changes to the call reporting form and the reporting instructions. 

    The agencies recently finalized changes that will take effect as of the September 30, 2016 Call Report and the March 31, 2017 Call Report. This session will highlight those changes as well as other hot topics in call reporting. 

    Opening Nonprofit Organizations in 2017

    From clubs to campaigns, these organization accounts have different rules and procedures for each. Learn how to set-up these various nonprofit organizations, associations and corporations. This program is a must for those who open accounts for community, civic and fund raising organizations. The documentation and signature card do’s and don’ts will be covered for your financial institution so that you can document authority, liability and on-going signatory rights on each.

    Banking for the Medical, Legal, & Accounting Professional


    This is a rebroadcast of a session that was recorded on the 6th of July 2016. 

    This webinar will provide the Banker with a strong background in banking for the medical, legal, and accounting professional. The webinar will address the three most important issues in providing bank products and services to these professionals including Marketing to the practice, Financing the practice, and Managing the relationship.

    The marketing section will cover “targeting” the bank’s products/services to fulfill the banking needs of doctors (MDs, dentists, optometrists), attorneys, and CPAs. The “mind-set” of these practitioners will also be reviewed.

    The financing section will include typical bank “lending” and “deposit services” and effective “credit underwriting” of the professional practice including financial statement and cash flow analyses.

    The relationship management section will explore ways to more effectively work with the professional, from a “psychological” standpoint, and better interact with their office manager and staff.

    Case studies will be utilized throughout the webinar to reinforce the concepts.