In this 90-minute program, we will cover the various POA issues that should be understood by your institution. Your Safe Deposit personnel will learn about the appropriate procedures to follow when they are presented with a POA, which is a legal form used by persons -- other than the Renter of the Safe Deposit box -- trying to gain entry into a Safe Deposit box.
FI robberies are on the rise. With our current economy, the high unemployment rate, and our countries preoccupation with drugs and gambling, now is the time to “Robber Proof” your bank or credit union. When it comes to Robbery Prevention, Apprehension, and Recovery, no one can provide greater insight than Troy Evans.
Upon completion of this webinar, participants will be able to:
(1) Identify which sales compensation models are best for your organization various sales positions.
(2) Understand basic sales compensation structure and the products and services are best to offer incentives, commissions or bonuses.
(3) How to organize your sales compensation structure to engage Star Performers happy, Core Performers engaged and bring up Laggards to acceptable performance.
Few employers can say they have never had challenges with leave of absence issues. Virtually every employer in every sector of the American (and global) economy has. The Family Medical Leave Act (FMLA) requires covered employers to allow eligible employees up to 12 weeks of unpaid job-protected leave and benefits to care for their own or a family member’s serious health condition. The Americans with Disabilities Act (ADA) and the Americans with Disabilities Act Amendments Act (ADAAA) require employers to provide reasonable accommodations to qualified employees with disabilities so that they can perform the essential functions of their jobs—and a leave of absence may very well be such a reasonable accommodation.
Financial institutions originate loans, purchase loans, acquire participating interests in loans, sell loans (or portions thereof), and securitize loans. Your bank's or credit union's credit exposure may be affected by external factors such as changes in interest rates, as well as internal factors such as changes inunderwriting practices. Many federal and state regulatory agencies have imposed numerous limitations and requirements on the lending activities of financial institutions.
During this session, we will focus on the "C" in CAMELS, and learn how to use Capital ratios to analyze capital adequacy. We will discuss the risk of weighting assets and off-balance-sheet items. We will also review examples of calculations of capital ratios. After this program, you will be able to understand and distinguish important terms such as core capital, supplemental capital, and total capital.
This webinar is the perfect introduction to, and refresher of, both basic bank accounting issues, as well as unique aspects of bank accounting. In only 90 minutes, Expert CPA Paul Sanchez will help you understand the challenges associated with accounting and regulatory capital regimes at your Financial Institution.
This program addresses the challenges of balancing the bank’s screening and monitoring rights with expectations of privacy and fairness held by job candidates and bank employees. Should your internal HR department conduct employment screenings on social media? Should you hire a third party to screen applicants’ social media? Should you monitor only the bank’s professional social media? Should you also track public social media (Twitter & YouTube)? Should you demand access to employees’ Facebook accounts? Should you monitor social media activity on personal mobile devices and bank-owned smartphones? This program will answer those questions and more. Nancy Flynn, author of The Social Media Handbook and Blog Rules and founder of The ePolicy Institute, will reveal when, why, and how to handle social media monitoring legally, ethically, and compliantly.
Commercial Loan Documentation is a webinar that explores in detail the various documents used in a variety of commercial loan transactions. Lenders, credit officers, paralenders, document preparation specialists, loan booking specialists and other bankers involved in the lending process as well as bank attorneys and paralegals will benefit from the thorough discussion of what each document does and why it is used in a loan transaction.
While the emphasis is on commercial loans, those involved in residential lending will also benefit as many of the documents and concepts discussed are applicable to both types of loan transactions.
This is a rebroadcast of a session that was originally recorded on the 1st of December 2016.
The safe deposit business is often thought of as a low risk-low reward business. This is far from the reality. “Mistakes” (e.g. control breakdowns) in the safe deposit area expose the financial institution (bank, savings association, credit union) to unlimited liability. Since the lessor of the box (the financial institution) does not know what is in the lessee’s (customer) box, any claim against the bank can be for unknown and unlimited amounts.
The IRS issues forms W-8BEN, W-8BENE, and W-9. What is going on? The new FATCA rules affecting foreign financial institutions also affects US financial institutions and your job as a withholding agent.
During this program we will do a line-by-line review of the new forms and the subsequent tax reporting to the IRS. This program will focus on what a US financial institution has to do from the tax reporting and documentation process to be prepared for FATCA. We will also look at the impact on 1042S reporting changes for nonresident aliens.
Your job as a withholding agent has never been so important and the new forms emphasize your importance in the tax reporting chain that affects this country and accounts for US persons overseas.
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.
Health Savings Accounts(HSA), friend or foe? Customers like the HSA but does your financial institution? Find out the good, the bad and the ugly of Heath Savings Accounts.
This webinar is designed to enable you to answer most customer questions about HSAs as well as to open, document and report these products correctly.
Learn about eligibility rules, contribution rules and distributions from Health Savings Accounts.
The IRS is now requiring financial institutions to correctly report those hard to value assets within an individual’s IRA. Most stocks and other traditional investments are easy to value. The price is determined by the markets or found on a bank statement. But some assets are not so easy to find a value for, and that's a problem if those assets are held in an individual retirement account or other tax-deferred retirement account.
Compliance today is much more than just following what the law says. Your institution is expected to read, understand, and apply guidance documentation and follow the ebb and flow of informal Examiner expectations. It can be difficult to keep up with every publication, study, guidance document, enforcement action, and expectation that Regulators have.
This Webinar will explore the world of mobile banking and what you need to know to ensure your institution is operating within the new regulatory environment.
Throughout this series, we will take a deep dive into various "front burner" topics, in a consolidated and concise manner, to help you fully understand what is expected of your institution.
The CFPB has explicitly established its interest in hearing your customers' stories, complaints, and—unfortunately—bad experiences. While customer complaints are commonplace for financial institutions, the CFPB's involvement with the management of these complaints is not common—until now. Welcome to the new normal, where a regulatory agency gauges the effectiveness of your compliance management system based on customer complaints!
To be sure, customer complaints can provide opportunities to improve your FI's compliance program, but only if you have implemented an effective management system before receiving a complaint.
Does your financial institution have an established complaint process? Can you quickly identify the measures that have compliance implications? By creating effective complaint management programs and developing employees' compliance skills, FIs can harness the power of complaints to identify and correct potential pitfalls before problems appear on the regulators' radar!
This Session will discuss the CFPB's evolving compliance expectations and explore how your FI can use complaints to identify potential compliance issues and proactively correct such problems. We will discuss the important aspects every complaint program should have.
Why do we make handling checks so hard? These simple do’s and don’ts will keep your financial institution from losing money and creating chaos in the back office. Checks are contracts and should be handled like any other legal document. There are reason why we do not put business checks into personal accounts and why we do not give less cash on business accounts.
Learn the safe way to handle checks and be sure that you and your financial institution can be protected from loss on the negotiable instruments.
This webinar will provide the banker with an overview of several advanced tax return concepts and related analyses.
The webinar will begin with a brief review of analyzing a business owner’s personal “1040” tax return and the return of both an LLC and an S corporation including Schedules M-1 and M-2, Schedule K-1, pass-through transactions, and other deductions.
At this workshop you will receive current information, step by step procedures and an in-depth explanation about how to handle these 60 critical issues and how they impact on your financial institution and your safe deposit box renters.
Some of these issues include; questions regarding the collection of past due box rent, drilling delinquent boxes, securing drilled and inventoried box contents, reporting abandoned property to our state authorities and many other legal and compliance issues have caused great concern and confusion for the safe deposit industry.
Upon completion of this webinar, participants will be able to:
• Create a Pivot Table
• Create a Pivot Chart
• Sort and Filter a Pivot Table
• Manipulate a Pivot Table
• Add Slicers and Timelines to a Pivot Table
This proactive webinar provides a thorough overview of commercial lending requirements from a loan structure, documentation, and compliance perspective.
Basic business structure will be presented along with loan structure and loan support. Additionally, commercial lending issues relative to loan documentation will be reviewed. Loan pricing and monitoring will also be covered along with a review of current compliance issues.
The webinar will be summarized through a comprehensive case study.
This webinar summarizes the new accounting
standard (ASU 2016-13, Financial Instruments – Credit Losses) for the determination of the Allowance for Loan & Leases (ALLL) – the new standard that replaces the incurred-loss model currently in use.
This carefully presented overview should take away the mystique and in some cases the fear of the estimation (forecasting) requirements now required under CECL.
This is Part IV of our IV-part 2018 Call Report Series. This webinar explores the most important schedule in the quarterly Call Report package – Schedule RC-R, Regulatory Capital - and how it is designed to compute the four basic Basel III Capital Ratios.
Who is the best defense against fraud and loss at your Institution? Tellers on your frontline!
Tellers deal with checks every day; however, if they don’t deal with them in accordance with the “law of checks” – that is, the Articles 3 and 4 of the Uniform Commercial Code (UCC) - your institution could face unnecessary headaches and financial loss. Use this webinar to arm yourself and your staff with vital UCC information and examples.