Courses

  • "NEW" Evaluating and Managing Distressed Loans

    Evaluating and Managing Distressed Loans is an online seminar designed to assist banking professionals dealing with distressed assets in light of the COVID-19 crisis. The seminar first summarizes current industry trends including landlord/tenant issues and their potential impact on bank loans and opportunities for government assistance to businesses under the Paycheck Protection Program. The seminar then focuses on “best practices” for evaluating existing loans and concludes with a look at alternatives for managing defaulted loans including forbearance agreements and collection alternatives. Special assets officers, lenders, credit officers and other bankers will benefit from this online seminar.
     
    The seminar will cover:
    • A current summary of the Paycheck Protection Program
    • Current landlord/tenant issues impacting business borrowers
    • Best practices for evaluating the loan portfolio in the current environment
    • Dealing with payment and non-payment defaults
    • Applicability of force majeure, impossibility of performance and other possible borrower defenses to loan payment
    • Pre-negotiation and forbearance agreements
    • Litigation alternatives

    This online seminar is led by Douglas L. Waldorf, JD, MBA, a Florida Bar Board Certified Real Estate Attorney. Mr. Waldorf has 32 years of experience in representing banks and other lenders in loan structuring and documentation as well as in special assets matters. He served as in house counsel at SunTrust Bank in Southwest Florida for 12 years and is now a shareholder with Dentons Cohen & Grigsby P.C. in the firm’s Naples, Florida office. Mr. Waldorf has been selected by his peers for inclusion in The Best Lawyers in America ©, 2016-2020 Editions, in both Banking and Finance Law and Real Estate Law, as well as in Super Lawyers, 2017-2019. He is the author of Mortgage Foreclosure and Loan Collection, A Practical Guide for Lenders (2013), available on Amazon.com. 

    Audience: n/a

  • 10 BSA Exam Hotspots

    Audience:

  • 10 Lessons Learned When Your Member Dies

    Your member passed away yesterday and the family is grieving. Yet, in the midst of all the remembering and honoring of a life, the legal and compliance clock is ticking. In most states, checks can be paid for 10 days after the date of death.

    When your account holder dies, many issues and questions arise. Who can have information on the account? Who owns the account? What has access to the account? What happens with powers of attorney and authorized signers on account? Can the spouse of the sole proprietor continue to access the account? What about that last tax refund check? Is the account still insured? Can a check be written to a funeral home? What about the checks coming in to pay funeral expense? Learn about checks, IRAs, deposit ownership, trusts, UTMA, affidavits of heirship and other complex issues that can occur when a member dies.

    Receive a 600 page Teller Handbook with your registration to this event!

    Covered Topics
    -Probate versus non-probate transfers
    -When does the will govern and when does the signature card?
    -What bypasses a will? PODs, IRAs, JTWROS?
    -Living trusts and successor trustees
    -When do we know that a customer is deceased?
    -When can we use small estate affidavits?
    -What happens to powers of attorney, authorized signers, etc.
    -How are IRAs, HSAs and UTMAs affected?
    -Do sole proprietorships cease at death?
    -NCUSIF insurance issues

    Audience: This informative session is designed for member service representatives, branch administration, branch managers, tellers, training and development staff, compliance personnel, and anyone who handles customer accounts.

  • 8 Keys to Teller Excellence

    The goal of every financial institution is to develop tellers who acquire the necessary skills to proficiently deal with customers, utilize loss prevention techniques and put a harmonious touch into every transaction. Whether the teller is new or a veteran, there is an opportunity during this webinar to learn tips and techniques that will make them more efficient, confident and prepared to tackle their daily responsibilities.

    As the first person seen by most member, the teller fills a critical role in brand and reputation reinforcement. Plus, knowing what to say to unhappy depositors is as important to the job of a teller as is accuracy in handling large sums of cash.

    Being able to use finesse when handling sticky situations, as well as, being capable of following procedures when processing transactions are examples of the high expectations that come with this job.

    The 8 Keys to Teller Excellence webinar is designed to develop alert, capable tellers who can minimize losses, follow explicit instructions and provide quality customer service.
    Covered Topics
    The 8 Keys:
    1. Professional Maturity
    2. Manage Your Image
    3. Follow Procedure
    4. Scrutinize Transactions
    5. Minimize Cons and Scams
    6. Provide Extraordinary Service
    7. Ace Cross-Selling
    8. Master the Balancing Act

    Audience: Tellers, Head Tellers, Teller Supervisors, and Trainers would all benefit from this webinar.

  • A Deeper Dive into Non-Financial Assets

    Provides the unique characteristics of nonfinancial assets, the role they play in a client’s financial life, and the importance of handling the unique risk factors associated with them. Covers methods for both valuing assets and planning to ensure wealth advisors deliver holistic advice and service.

    What You’ll Learn

    After completing this course, students will be able to:

    • Explain characteristics of common types of non-financial assets
    • Identify legal entities and account types used to hold non-financial assets
    • Describe the role of non-financial assets within a client’s overall portfolio
    • Recognize and manage risk in non- financial assets
    • Explain valuation approaches for non-financial assets
    • Describe planning considerations for clients who hold significant positions in non-financial assets

    Audience: Client-facing relationship managers (wealth advisors, fiduciary advisors, portfolio managers, bankers, planners) who want to raise their client engagement acumen.

  • ABA Bank Solutions Provider Certificate

    Develop a broad understanding of the banking business. For organizations that provide products and services to the banking industry, enable your team to better know their bank customers – from the terminology they use to the constructs under which they operate. By completing the ABA Bank Solutions Provider Certificate curriculum, you’ll strengthen your knowledge of the language of bankers, core products, and the regulatory and ethical constraints under which banks operate.

    Required Courses

    You must complete the following courses to earn your certificate:

    Complete quick, high-impact learning bursts over 6 suites, in just about 6 hours. All content can be accessed and referenced up to 1 year from the date of purchase.

    Audience:

  • ABA Bank Teller Certificate

    Develop essential bank teller skills. Master core competencies such as cash handling, check cashing, deposit and withdrawal processing, cash payments, and daily settlements of teller cash and proof transactions. Develop a broad understanding of bank products. Build interpersonal skills that are effective with both customers and co-workers. Master the principles of professional conduct. Learn how to cultivate relationships and provide value-added service.

    By completing the ABA Bank Teller Certificate curriculum, you’ll build a solid foundation of critical customer service skills

    Required Courses

    The curriculum includes:

    The estimated time to complete these 35 courses and exercises is approximately 13 hours. Students have access to the curriculum for 1 year from date of purchase.

    Audience:

  • ABA Branch Manager Certificate

    Develop skills essential to successful management. Hone your knowledge of banking and banking operations. Develop expertise in deposit and loan products, as well as sales management and customer service. Build strong communication skills. Gain insight into effectively managing staff and creating a culture of excellence. Explore techniques to raise the bar for delivering quality customer service.

    By completing the ABA Branch Manager Certificate curriculum, you’ll strengthen your ability to manage branch office operations.

    Required Courses
    You must complete the following courses to earn your certificate:

    The estimated time to complete these 66 courses and exercises is approximately 14 hours. Students have access to the curriculum for 1 year from date of purchase.

    Audience:

  • ABA Certificate in Asset Management

    Learn how a client’s financial goals translate into their investment policy statements, inform investment decisions, what it means to be a prudent investor and how financial and non-financial assets work together. Learn how to evaluate inheritors’ financial goals, legal structures and assets in order to develop a holistic post-inheritance investment portfolio management strategy. Apply approaches to interpret and restate clients’ wealth strategies by drawing from their financial plan documents. Develop an understanding of the unique characteristics of non-financial assets and alternative investments to enable you to deliver holistic advice and service. Explore current trends in sustainable and responsible investing, and the importance of proper titling of assets.

    Required Courses

    You must complete the following courses: 

    • Introduction to Investment Management
    • Economics and Markets
    • Importance of Proper Titling of Assets and Regular Titling Reviews
    • Asset Allocation and Diversification
    • Investment Policy
    • Investment Products
    • Sustainable and Responsible Investing
    • Bond Selection and Analysis
    • Stock Selection and Analysis
    • Alternative Investment Products
    • Developing a Personalized Wealth Management Strategy
    • Investment Strategies for Inherited Wealth
    • Prudent Portfolio Management
    • A Deeper Dive into Non-Financial Assets

    The estimated time to complete these 14 courses is approximately 7 hours and 30 minutes.

    Audience:

  • ABA Certificate in Bank Financial Management

    Develop skills for making key decisions that affect bank profitability. Learn how to conduct performance analyses. Discover ways to measure and manage interest rate risk. Explore best practices in managing funding, liquidity and capital. Demonstrate understanding by applying concepts in organization-specific exercises.

    By completing the ABA Certificate in Bank Financial Management curriculum, you’ll strengthen your knowledge of sound financial management in a banking institution.

    Required Courses

    You must complete the following courses to earn your certificate. No substitutions or previous college credit will be accepted. The courses can be purchased individually or as a full certificate.

    Facilitated Online: Five to eight weeks each in duration, and you can select your start date and log in at your convenience. Estimated learning time is 3 hours per week.

    • Analyzing Bank Performance
    • Managing the Bank’s Investment Portfolio
    • Managing Funding Liquidity and Capital
    • Managing Interest Rate Risk

    Self-Paced Online: Learn at your own pace. This course is approx. 25 minutes in length.

    Audience:

  • ABA Certificate in BSA and AML Compliance

    Improve your ability to detect and prevent suspicious and criminal activity with this overview of the types of criminal behavior commonly used against banks, including in-depth training on the applicable U.S. laws and regulations governing money laundering.

    The curriculum is designed to be a refresher for experienced financial crimes professionals who wish to take the Certified AML and Fraud Professional (CAFP) exam, and may be required for those individuals with less than five years’ experience in the field.

    Course Titles

    You must complete the following courses included in the certificate:

    • Introduction to BSA/AML
    • SARs and Information Sharing
    • Currency and Correspondent Banking Accounts
    • Electronic Banking and Funds Transfer Activities
    • Higher Risk Accounts and Activities
    • BSA Requirements for Business Accounts
    • BSA Requirements for Foreign Customers and Accounts
    • Components of an AML Compliance Program
    • International Partners in AML
    • Office of Foreign Assets Control (OFAC) for Compliance Professionals

    The estimated time to complete these 10 courses is approximately 7 hours.

    Audience: Financial Crimes Professionals

  • ABA Certificate in Business and Commercial Lending

    The ABA Certificate in Business and Commercial Lending explores what to look for when analyzing business and personal financial statements and tax returns. The certificate includes three new courses— CRE Cash Flow and Cap Rates, Treasury Management and Effective Commercial Loan Write-Ups—as well as critical new topics on CRE, fraud, BSA/AML and asset-based lending.

    After completing this comprehensive series, you will have an in-depth understanding of business sectors, legal structures and why businesses borrow, and be ready to bring in new, qualified business to the bank. Pre and post-tests allow seasoned lenders to test out.

    Two options are available to suit your learning style.

    Option 1: Self-Paced Training

    You must complete the following list of individual courses and suites. Students have access to the curriculum for 1 year from date of purchase. The estimated time to complete these courses is approximately 34 hours.

    Option 2: Facilitated Online Training

    You may also earn this certificate by completing the following two facilitated courses. Estimated training time is 3-5 hours per week, per course. Students have access to this curriculum for 1 year from date of purchase. Start dates for each of the two facilitated courses vary, and may be selected when registering.

    • Analyzing Financial Statements (16 weeks)
    • Commercial Lending (12 weeks)

    Audience:

  • ABA Certificate in Core Concepts for Fiduciary Advisors

    This certificate program is designed to accelerate onboarding of professionals moving into fiduciary-based advisory roles. 

    Learn and apply essential fiduciary principles—including wealth planning, investment management and account administration—with this set of courses designed to accelerate new advisors’ readiness to work directly with wealth clients in a fiduciary capacity. Courses on ethics, fiduciary risk and compliance responsibilities cover responses to common client situations, as well as strategies for working with a team that includes non-fiduciary advisors.

    Required Courses

    The estimated time to complete the 7 required courses is approximately 3.5 hours.

    Audience:

  • ABA Certificate in Deposit Compliance

    Gain a thorough understanding in key deposit regulations, and the ability to identify and respond to compliance requirements. Study at your own pace and get unlimited access to all course content for 12 months – including and updates on new issuances and regulation changes made within that year.

    Required Courses
    You must complete the following courses:

    The estimated time to complete these 11 courses is approximately 12 hours.

    Audience:

  • ABA Certificate in Fiduciary Principles and Ethics

    A top priority for fiduciary professionals is holding their clients’ interests ahead of their own. Learn the ethical standards applied to fiduciary professionals—integrity, the duty to avoid conflicts of interest, competency, fairness and professionalism, and the responsibility not to engage in unauthorized practices. Gain a full understanding of fiduciary standards, rules and regulations designed to provide beneficiaries with the highest level of care and consideration by financial professionals. 

    Required Courses

    The estimated time to complete the 3 required courses is approximately 1.5 hours.

    Audience:

  • ABA Certificate in Fiduciary Relationship Management

    Develop fiduciary skills that go beyond foundational technical knowledge to meet evolving client expectations and behaviors. Learn key skills that enable exceptional relationship management including the ability to identify clients’ generational, gender and cultural characteristics, emotions and other factors to enable in-depth discovery conversations, meaningful dialogue and consultative presentations. This certificate will position you as a skilled advisor to not only your current clients, but also to future generations. 

    Required Courses

    The estimated time to complete the 11 required courses is approximately 5 hours.

    Audience:

  • ABA Certificate in Fiduciary Risk and Compliance

    Gain a full understanding of the regulatory basis and importance of fiduciary compliance, its elements and how it affects your role as an advisor. Learn key aspects of federal and other environmental laws, elements of fiduciary liability and steps fiduciaries can take to manage risk. Learn the importance of client due diligence and ongoing monitoring throughout the life of the relationship. Courses provide a foundation in the regulations, bank policies, procedures and relationship management responsibilities that impact fiduciary risk management and compliance.

    Required Courses

    You must complete the following courses:

    • Introduction to Fiduciary Risk Management and Compliance
    • Managing Fiduciary Risk and Litigation
    • Fiduciary Compliance
    • Environmental Liabilities of Fiduciaries

    The estimated time to complete these 4 courses is approximately 2 hours and 30 minutes.

    Audience:

  • ABA Certificate in Financial and Credit Risk Management

    This certificate includes seven courses covering the foundational aspects of financial and credit risk management. The financial risk courses provide principle lessons for understanding and managing interest rate and liquidity risks. The credit risk courses teach core methods for identifying, measuring, monitoring, and controlling risk levels within retail, commercial and agricultural lending, as well as addressing other sources of credit risk.

    Required Courses
    You must complete the following included courses to earn your certificate:

    The estimated time to complete these courses is 5 hours, 15 minutes.

    Audience:

  • ABA Certificate in Fraud Prevention

    In-depth training on the applicable U.S. laws and regulations governing fraud, and an overview of the types of criminal behavior commonly used against banks. 

    The curriculum is designed to be an excellent refresher for experienced financial crimes professionals who wish to take the Certified AML and Fraud Professional (CAFP)exam, and may be required for those individuals with less than five years’ experience in the field.

    Course Titles

    You must complete the following courses included in the certificate:

    • Introduction to Fraud Management
    • Establishing a Fraud Prevention Program
    • Types of Fraud and Prevention Strategies
    • Operating a Fraud Prevention Program
    • Maintaining a Compliant Fraud Prevention Program

    The estimated time to complete these 5 courses is approximately 5 hrs and 20min.

    Audience: Financial Crimes Professionals

  • ABA Certificate in General Banking

    Develop a broad understanding of the underpinnings of the banking industry. Dive deeply into the purpose of specific banking functions and the role of banking in the economy. Gain practical knowledge of the core principles of accounting and economics. Explore legal and regulatory issues, compliance matters, as well as the fundamentals of bank marketing. Learn how to identify and resolve ethical issues.

    By completing the ABA Certificate in General Banking curriculum, you’ll build a solid understanding of foundational concepts in the banking industry.

    Required Courses
    You must complete the following courses to earn your certificate. No substitutions or previous college credit will be accepted.

    Facilitated Online: Four to sixteen weeks each in duration, and you can select your start date and log in at your convenience. Estimated learning time is 3 hours per week.

    • Principles of Banking  or

    Banking Fundamentals Suite, which includes:
    -The Banking Industry
    -Bank Lines of Business
    -Building Customer Relationships

    • General Accounting or Accounting I or Financial Accounting
    • Legal Foundations in Banking or Law and Banking-Principles
    • Marketing in Banking 
    • Money and Banking

    Self-Paced Online: Learn at your own pace. This course is approx. 25 minutes in length.

    Audience: For those that want to develop a broad understanding of the underpinnings of the banking industry.

  • ABA Certificate in Integrated Wealth Planning and Advice

    Learn how personal finance, tax, insurance, retirement and estate planning work together to help clients define and achieve their objectives during and beyond their lifetime. Learn the tax considerations and gifting strategies surrounding individual income tax, fiduciary income tax and federal estate tax. Gain foundational knowledge on the fundamentals of insurance and the features of life insurance policies and annuities. Explore planning considerations Individual Retirement Accounts, how benefits are coordinated with the estate plan and the planning aspects of various retirement plans. Gain a better understanding of the marital deduction, charitable techniques to accomplish estate and financial planning objectives and tax implications of education plans and how trusts can be used for this purpose. Learn how clients’ financial lives are reflected on their balance sheets, how to analyze and interpret the balance sheets and legal entity structures used by clients to hold assets and how they align with their strategies and goals.

    Required Courses

    You must complete the following courses: 

    • Introduction to Integrated Planning and Advice

    Tax Planning

    • Individual Income Tax
    • Fiduciary Income Tax
    • Gift Strategy and Taxation
    • Generation-Skipping Transfer Tax
    • Federal Estate Tax

    Insurance Planning

    • Fundamentals of Insurance
    • Life Insurance Policies
    • Annuities

    Retirement Planning

    • Planning for Retirement
    • Qualified Retirement Plans
    • Individual Retirement Accounts

    Estate Planning

    • Estate Planning Fundamentals
    • Estate Planning for the Marital Deduction
    • Philanthropic Planning
    • Education Planning for Minors
    • Estate Planning for the Business Owner

    Advising Clients

    • Full Balance Sheet Advice
    • Structure Analysis and Advice

    The estimated time to complete these 19 courses is approximately 13 hours.

    Audience:

  • ABA Certificate in Lending Compliance

    Demonstrate to bank management and examiners you have a thorough grounding in key lending regulations, and the ability to identify and respond to compliance requirements. This is a complete 17-course curriculum that you can access for 12 months at your own pace; no other online lending compliance curriculum offers this advantage. The certificate includes any updates on new issuances and regulation changes made within that year.

    Required Courses
    You must complete the following courses:

    The estimated time to complete the 16* required courses is approximately 28 hours.

    *Choose either CRA – Large Bank or CRA – Community Bank. Your purchase includes access to both, but you are only required to take one of these courses to earn the Certificate.

    **GFE-HUD is made available at no cost as part of the certificate, and is not required for completion.

    Audience:

  • ABA Certificate in Operational Risk Management

    Banks are continuously improving their approach to manage key operational risks such as cyber attacks, fraud losses, third-party service providers and model risk. Address training needs across the bank’s three lines of defense and maintain a strong operational risk management program. Understand the fundamental governance structures, procedures, controls, and cultural aspects necessary for an institution to successfully manage operational risk.

    Required Courses
    You must complete the following courses to earn your certificate:

    The estimated time to complete the 11 required courses is approximately 10 hours.

    Audience: Operational Risk Managers

  • ABA Certificate in Risk Management Frameworks

    New in risk management training, this certificate includes nine courses covering the entire risk management lifecycle. Each course walks through a critical process in sufficient detail for a targeted, yet integrated view of risk management activities vital to an institution, such as establishing an effective governance process followed by risk identification, measurement, evaluation, monitoring, controls and reporting.

    Required Courses
    You must complete the following included courses to earn your certificate:

    The estimated time to complete the nine required courses is approximately eight hours.

    Audience:

  • ABA Certificate in Trust Administration

    Explore the requirements to create a trust, common types of personal trusts, account acceptance and termination considerations, and factors to consider in making discretionary distributions. Learn about the scope of a trustee’s duty of authority, typical trust guidance and common discretionary standards to make sound discretionary decisions. Discover preliminary matters relating to guardian administration, including responsibilities in estate asset inventory and asset management, closing a guardianship/conservatorship and how a special needs trust can protect current or anticipated family funds without jeopardizing government benefits.

    Required Courses

    You must complete the following courses: 

    • Trust Fundamentals
    • Introduction to Trust Administration
    • Duties and Powers of the Trustee
    • Types of Trusts
    • Discretionary Distributions
    • Account Acceptance and Termination
    • Estate and Probate Administration
    • Special Needs Trusts

    The estimated time to complete these 8 courses is approximately 3 hours and 30 minutes.

    Audience:

  • ABA Certificate in Trust: Advanced

    The ABA Certificate in Trust: Advanced provides an in-depth understanding of the fiduciary role. Learn to propose sophisticated solutions to complex client situations on topics like estate planning, trust administration, investment management, and ethics. For those wishing to earn the CTFA professional designation, the ABA Certificate in Trust: Advanced satisfies the third of three levels of study required to sit for the exam.

    Requirements

    You have two options to meet the Certificate requirements.

    SELF-PACED ONLINE TRAINING OPTION

    You must complete the following courses:

    The estimated time to complete the 15 required courses is approximately 14 hours.

    Audience:

  • ABA Certificate in Trust: Foundational

    Strengthen or establish your understanding of basic wealth management and trust principles, either online or in-person. Either option provides an introduction to estate planning, trust administration, investment management concepts, and ethical behavior. For those wishing to earn the CTFA designation, the ABA Certificate in Trust: Foundational satisfies the first of three levels of study required to sit for the exam.

    Required Courses
    You must complete the following courses:

    The estimated time to complete the 8 required courses is approximately 7.5 hours.

    Audience:

  • ABA Certificate in Trust: Intermediate

    Ideal for individuals with some field experience who have mastered the concepts introduced in the foundational trust certificate, either online or in-person. Learn the tools available to a fiduciary, such as estate planning, trust administration, investment management concepts and ethical behavior. for those wishing to earn the CTFA professional designation, the ABA Certificate in Trust: Intermediate satisfies the second of three levels of study required to sit for the exam.

    Required Courses

    You must complete the following courses:

    The estimated time to complete the 16 required courses is approximately 17.5 hours.

    Audience:

  • ABA Customer Service Representative Certificate

    Develop the key skills essential to successful customer service and relationship-building. Gain a broad understanding of bank products to be able to better cross-sell products and services. Learn ways to cultivate relationships with customers and discover tactics for responding to customer needs. Become better able to successfully resolve customer problems and objections.

    By completing the ABA Customer Service Representative Certificate curriculum, you’ll strengthen your ability to provide a quality customer service experience.

    Required Courses

    You must complete the following courses to earn your certificate:

    The estimated time to complete these 49 courses and exercises is approximately 10 hours. Students have access to the curriculum for 1 year from date of purchase.

    Audience:

  • ABA Digital Banker Certificate

    The ABA Digital Banker Certificate helps bankers develop the knowledge and skills they need to provide quality customer service in today’s digital first world.  Learn about the digital and mobile tools available to customers and how to provide excellent customer service on digital and social platforms. Gain insight into how demographics, technology infrastructure and data analytics play a crucial role in developing an effective digital payments strategy. Understand how to identify the risks associated with technology and protect systems and data from tampering or destruction.

    Required Courses

    You must complete the following courses to earn your certificate:

    The estimated time to complete these eight courses is approximately 3 hours. Students have access to the curriculum for 1 year from date of purchase.

    Audience:

  • ABA Foundational Certificate in Bank Marketing

    Develop the key skills essential to successful bank marketing. Discover best practices for developing a comprehensive strategic marketing plan, including setting objectives, implementing action plans, creating a budget, and evaluating ROI. Explore tactics to assess customers, markets, and opportunities. Learn how to better leverage social media to expand your reach and build your bank’s brand. Gain insight into managing marketing activities from brand management to PR to digital marketing, and learn the key regulatory guidelines for bank marketing.

    By completing the ABA Foundational Certificate in Bank Marketing curriculum, you’ll strengthen your knowledge of marketing’s role in a financial institution and within the banking industry as a whole.

    Required Courses
    You must complete the following online courses to earn your certificate:

    Facilitated Online: Four weeks each in duration, you can select your start date and log in at your convenience. Estimated learning time is 3 hours per week.

    Self-Paced Online: Learn at your own pace. Each course is 15-75 minutes in length.
              –Search Engine Optimization
              –Build Your Campaign
              –Find Your Audience
              –The Power of Facebook
              –Leveraging LinkedIn
              –Strategic Twitter

    The estimated time to complete the required courses is approximately 21 hours. You may select your start dates for each of the three required Facilitated Online courses after you have completed your Certificate purchase. Students have access to the curriculum for 1 year from date of purchase.

    Audience:

  • ABA Personal Banker Certificate

    Develop essential skills for providing full-service banking. Build broad product knowledge and an understanding of the different types of retail deposit and loan products. Gain insight into how to offer the appropriate credit, deposit, and other banking services to meet customer needs and expectations. Learn best practices for cultivating customer relationships.

    By completing the ABA Personal Banker Certificate curriculum, you’ll strengthen your ability to drive sales and service, as well as retain and grow customer relationships.

    Required Courses
    You must complete the following courses to earn your certificate:

    The estimated time to complete these 55 courses and exercises is approximately 13.5 hours. Students have access to the curriculum for 1 year from date of purchase.

    Audience:

  • ABA Residential Mortgage Lender Certificate

    A thorough review of banking, credit analysis, and legal principles that support the mortgage process, underscoring relationship sales skills in addition to the mechanics of the mortgage loan. The certificate is designed for aspiring mortgage lenders and those individuals new to the mortgage area of the bank, including mortgage loan clerks, loan processors, and closers.

    Required Courses

    The curriculum includes:

    The estimated time to complete these 31 courses and exercises is approximately 23 hours. Students have access to the curriculum for 1 year from date of purchase.

    *These courses are offered through a partnership with AllRegs, a leader in residential mortgage lending.

    Audience:

  • ABA Small Business Banker Certificate

    Develop the key skills for building trusted relationships with business customers and grow your book of business. Discover tactics to better engage customers by understanding their needs and being able to offer appropriate solutions. Master best practices for executing sales calls, handling objections, and delivering on-going service.

    By completing the ABA Small Business Banker Certificate curriculum, you will strengthen your knowledge of relationship-centric sales approaches. Through a blended-learning approach with micro-lessons, practice exercises and toolkits, lessons can be applied on the job immediately.

    Required Courses

    You must complete the following courses to earn your certificate:

    The estimated time to complete these 24 courses and exercises is approximately 11 hours. Students have access to the curriculum for one year from date of purchase.

    Audience:

  • ABA Supervisor/Team Leader Certificate

    Develop skills critical for becoming a well-rounded leader – whether with or without direct reports. Build communication skills for a variety of situations: including: collaboration, coaching, motivation, recognition, and corrective action. Gain insight into better managing employee relations and fostering open communication among staff members. Explore ways to interview, evaluate, and select employees while being mindful of legal considerations. Discover ways to manage the change process and communicate changes with stakeholders.

    By completing the ABA Supervisor/Team Leader Certificate curriculum, you’ll strengthen your ability to effectively lead teams and supervise employees.

    Required Courses
    You must complete the following courses to earn your certificate:

    The estimated time to complete these 45 courses and exercises is approximately 9.5 hours.Students have access to the curriculum for 1 year from date of purchase.

    Audience: Gain insight into better managing employee relations and fostering open communication among staff members.

  • ABA Universal Banker Certificate

    Develop the key skills for catering to a new customer mindset. Explore multiple ways to fulfill customers’ sales, service, and referral needs as their single point-of-contact. Master cash handling and basic transactional skills. Perfect product and service sales skills. Discover ways to build relationships and create referrals to other lines of business.

    By completing the ABA Universal Banker Certificate curriculum, you’ll be able to grow into your role as a reliable point-of-contact for customers.

    Required Courses
    You must complete the following courses to earn your certificate:

    The estimated time to complete these 44 courses and exercises is approximately 9.5 hours. Students have access to the curriculum for 1 year from date of purchase.

    Audience:

  • ABA-Wharton Emerging Leaders - Advanced Emerging Leadership

    This certificate program is taught through a series of short 10-20 minute videos from top-tier Wharton leadership experts, together with assessments to ensure learners understand key concepts. A well-rounded leader understands how to define success in their terms and how pursuing a meaningful life improves your performance as a leader. Understand the framework of power and influence, how to develop trust and the best method of communication for negotiation.

    Required Modules

    • Introductory Video Wharton Professor Peter Cappelli and ABA’s Jim Edrington
    • Success:
      -Launching your Personal Search for Success
      -How to Think about Success on your Own Terms
      -Diving Deeper: What Research Tells Us About Achievement and Happiness
      -Putting it Together: Charting Your Path to the Future
    • Leading the Life You Want:
      -Leadership from the Point of View of the Whole Person
      -Develop the Six Leadership Skills of Conveying Values through Stories
      -Learn the Six Leadership Skills of Aligning Actions and Values
      -Learn the Essential Leadership Skills of Creating a Culture of Innovation
    • Influence:
      -Define Influence
      -Examine Social Networks and Relationships
      -Develop your Persuasive Tactics and Rhetoric to Increase your Influence
      -Examine the Ethical Implications of Persuasion
    • Communication:
      -Cooperation, Competition and Comparisons
      -Trust
      -Deception
      -Effective Communication

    Audience:

  • ABA-Wharton Emerging Leaders - Strategy

    Learn how to create strategic leadership and vision and identify your most valuable customers and leverage their strategic value.

    This certificate program is taught through a series of short 10-20 minute videos from top-tier Wharton leadership experts, together with assessments to ensure learners understand key concepts. The estimated time to complete each module is 3-4 hours. The short video format allows learners to easily pick up where they left off.

    Each module can be purchased individually or save money and purchase the full certificate program.

    Required Modules:

    • Competitive and Corporate Strategy
      -The Firm and the Industry
      -Industry Analysis and Competitive Dynamics
      -Corporate Strategy and Firm Scope
      -Firms in a Context
    • Managing the Value of Customer Relationships
      -What are Customer Centricity, Customer Equity, Firm Valuation and CLV?
      -Managing Customer According to Lifetime Value in Contractual and Non-Contractual Settings
      -Acquiring Customers and Creating and Measuring Their Value
      -Retention, Attrition and Development

    Audience:

  • ABA-Wharton Emerging Leaders Certificate: Engaging and Motivating Talent

    Learn how to create strategic leadership and vision and identify your most valuable customers and leverage their strategic value.

    This certificate program is taught through a series of short 10-20 minute videos from top-tier Wharton leadership experts, together with assessments to ensure learners understand key concepts. The estimated time to complete each module is 3-4 hours. The short video format allows learners to easily pick up where they left off.

    Each module can be purchased individually or save money and purchase the full certificate program.

    Required Modules

    • Leadership in the 21st Century:
      – Engaging Hearts and Minds
      – Understanding Work Style and Cultivating Originality
      – Purpose-Driven Leadership
      – Organizational Culture and Culture Change
    • Managing and Motivating Talent:
      – Motivation and Reward
      – Tasks, Jobs and Systems of Work
      – Making Good And Timely Management Decisions
      – Designing and Changing the Organization’s Architecture

    Audience:

  • Accepting Negotiable Instruments

    Learn the basic standards and procedures that apply when you accept or cash checks that are presented at the teller
    window. The laws and compliance requirements affecting checks are detailed and very important. Because customers will present checks on a regular basis, you will need to know basic check law requirements so you can effectively respond to customers’ deposit and check-cashing requests. Also, because of an increase in check fraud, accepting checks poses the risk of financial loss for your institution.
    As a result, your understanding of these rules is essential to minimizing those risks and protecting your institution.

    Audience: Compliance Professionals, Internal Audit Services, HR Professionals, Retail Bankers, Mortgage Bankers, Commercial Bankers, Trust Professionals, Electronic Service Professionals, Bank Management

  • Account Acceptance and Termination

    Explores the importance of risk management in the account acceptance process. Identifies account acceptance considerations for fiduciary professionals. Describes the steps in the account acceptance process, and fiduciary responsibilities. Explains common reasons for account termination and termination procedures and best practices.

    What You’ll Learn

    After completing this course, students will be able to:

    • Describe the account acceptance process
    • Describe account termination considerations

    Audience: Trust officers with at least three years of personal trust experience who need a deeper understanding of technical trust concepts and how solutions work when applied to client needs.

  • Account Cards: 10 Common Mistakes

    Audience:

  • Account Cards: 20 Legal Ownerships

    Audience:

  • Accounting

    This Accounting Course is ACE recommended for college credit transfer!

    The Accounting course teaches students the information needed to create financial statements, including trial balances, t-accounts, balance sheets, and various other accounts and their respective functions.  Emphasis is placed on the conceptual framework involved in the classification and summarization of financial data. Valuation of assets and liabilities and recognition of revenue and expenses under the accrual basis are emphasized.  Please note:  Students should expect 6-8 hours of homework each week. 

    Textbook Chapters include:

    • Accounting: The Language of Business
    • Analyzing Business Transactions
    • Analyzing Business Transactions using T Accounts
    • The General Journal and the General Ledger
    • Adjustments and the Worksheet
    • Closing Entries and the Postclosing Trial Balance
    • Accounting for Sales and Accounts Receivable
    • Accounting for Purchases and Accounts Payable
    • Cash Receipts, Cash Payments, and Banking Procedures
    • Payroll Computations, Records, and Payment
    • Payroll Taxes, Deposits and Reports
    • Accruals, Deferrals, and the Worksheet
    • Financial Statements and Closing Procedures

    Audience: Students who require a fundamental knowledge of accounting

  • Accounting

    This Accounting Course is ACE recommended for college credit transfer!

    The Accounting course teaches students the information needed to create financial statements, including trial balances, t-accounts, balance sheets, and various other accounts and their respective functions. Emphasis is placed on the conceptual framework involved in the classification and summarization of financial data. Valuation of assets and liabilities and recognition of revenue and expenses under the accrual basis are emphasized. Please note: Students should expect 6-8 hours of homework each week.

    Textbook Chapters include:

    • Accounting: The Language of Business
    • Analyzing Business Transactions
    • Analyzing Business Transactions using T Accounts
    • The General Journal and the General Ledger
    • Adjustments and the Worksheet
    • Closing Entries and the Postclosing Trial Balance
    • Accounting for Sales and Accounts Receivable
    • Accounting for Purchases and Accounts Payable
    • Cash Receipts, Cash Payments, and Banking Procedures
    • Payroll Computations, Records, and Payment
    • Payroll Taxes, Deposits and Reports
    • Accruals, Deferrals, and the Worksheet
    • Financial Statements and Closing Procedures

    Audience: Students who require a fundamental knowledge of accounting

  • Accounting

    This Accounting Course is ACE recommended for college credit transfer!

    The Accounting course teaches students the information needed to create financial statements, including trial balances, t-accounts, balance sheets, and various other accounts and their respective functions. Emphasis is placed on the conceptual framework involved in the classification and summarization of financial data. Valuation of assets and liabilities and recognition of revenue and expenses under the accrual basis are emphasized. Please note: Students should expect 6-8 hours of homework each week.

    Textbook Chapters include:

    • Accounting: The Language of Business
    • Analyzing Business Transactions
    • Analyzing Business Transactions using T Accounts
    • The General Journal and the General Ledger
    • Adjustments and the Worksheet
    • Closing Entries and the Postclosing Trial Balance
    • Accounting for Sales and Accounts Receivable
    • Accounting for Purchases and Accounts Payable
    • Cash Receipts, Cash Payments, and Banking Procedures
    • Payroll Computations, Records, and Payment
    • Payroll Taxes, Deposits and Reports
    • Accruals, Deferrals, and the Worksheet
    • Financial Statements and Closing Procedures

    Audience: Students who require a fundamental knowledge of accounting

  • Accounting

    This Accounting Course is ACE recommended for college credit transfer!

    The Accounting course teaches students the information needed to create financial statements, including trial balances, t-accounts, balance sheets, and various other accounts and their respective functions. Emphasis is placed on the conceptual framework involved in the classification and summarization of financial data. Valuation of assets and liabilities and recognition of revenue and expenses under the accrual basis are emphasized. Please note: Students should expect 6-8 hours of homework each week.

    Textbook Chapters include:

    • Accounting: The Language of Business
    • Analyzing Business Transactions
    • Analyzing Business Transactions using T Accounts
    • The General Journal and the General Ledger
    • Adjustments and the Worksheet
    • Closing Entries and the Postclosing Trial Balance
    • Accounting for Sales and Accounts Receivable
    • Accounting for Purchases and Accounts Payable
    • Cash Receipts, Cash Payments, and Banking Procedures
    • Payroll Computations, Records, and Payment
    • Payroll Taxes, Deposits and Reports
    • Accruals, Deferrals, and the Worksheet
    • Financial Statements and Closing Procedures

    Audience: Students who require a fundamental knowledge of accounting

  • Accounting

    This Accounting Course is ACE recommended for college credit transfer!

    The Accounting course teaches students the information needed to create financial statements, including trial balances, t-accounts, balance sheets, and various other accounts and their respective functions. Emphasis is placed on the conceptual framework involved in the classification and summarization of financial data. Valuation of assets and liabilities and recognition of revenue and expenses under the accrual basis are emphasized. Please note: Students should expect 6-8 hours of homework each week.

    Textbook Chapters include:

    • Accounting: The Language of Business
    • Analyzing Business Transactions
    • Analyzing Business Transactions using T Accounts
    • The General Journal and the General Ledger
    • Adjustments and the Worksheet
    • Closing Entries and the Postclosing Trial Balance
    • Accounting for Sales and Accounts Receivable
    • Accounting for Purchases and Accounts Payable
    • Cash Receipts, Cash Payments, and Banking Procedures
    • Payroll Computations, Records, and Payment
    • Payroll Taxes, Deposits and Reports
    • Accruals, Deferrals, and the Worksheet
    • Financial Statements and Closing Procedures

    Audience: Students who require a fundamental knowledge of accounting

  • Accounting

    This Accounting Course is ACE recommended for college credit transfer!

    The Accounting course teaches students the information needed to create financial statements, including trial balances, t-accounts, balance sheets, and various other accounts and their respective functions. Emphasis is placed on the conceptual framework involved in the classification and summarization of financial data. Valuation of assets and liabilities and recognition of revenue and expenses under the accrual basis are emphasized. Please note: Students should expect 6-8 hours of homework each week.

    Textbook Chapters include:

    • Accounting: The Language of Business
    • Analyzing Business Transactions
    • Analyzing Business Transactions using T Accounts
    • The General Journal and the General Ledger
    • Adjustments and the Worksheet
    • Closing Entries and the Postclosing Trial Balance
    • Accounting for Sales and Accounts Receivable
    • Accounting for Purchases and Accounts Payable
    • Cash Receipts, Cash Payments, and Banking Procedures
    • Payroll Computations, Records, and Payment
    • Payroll Taxes, Deposits and Reports
    • Accruals, Deferrals, and the Worksheet
    • Financial Statements and Closing Procedures

    Audience: Students who require a fundamental knowledge of accounting

  • Accounting

    This Accounting Course is ACE recommended for college credit transfer!

    The Accounting course teaches students the information needed to create financial statements, including trial balances, t-accounts, balance sheets, and various other accounts and their respective functions. Emphasis is placed on the conceptual framework involved in the classification and summarization of financial data. Valuation of assets and liabilities and recognition of revenue and expenses under the accrual basis are emphasized. Please note: Students should expect 6-8 hours of homework each week.

    Textbook Chapters include:

    • Accounting: The Language of Business
    • Analyzing Business Transactions
    • Analyzing Business Transactions using T Accounts
    • The General Journal and the General Ledger
    • Adjustments and the Worksheet
    • Closing Entries and the Postclosing Trial Balance
    • Accounting for Sales and Accounts Receivable
    • Accounting for Purchases and Accounts Payable
    • Cash Receipts, Cash Payments, and Banking Procedures
    • Payroll Computations, Records, and Payment
    • Payroll Taxes, Deposits and Reports
    • Accruals, Deferrals, and the Worksheet
    • Financial Statements and Closing Procedures

    Audience: Students who require a fundamental knowledge of accounting

  • Accounting

    This Accounting Course is ACE recommended for college credit transfer!

    The Accounting course teaches students the information needed to create financial statements, including trial balances, t-accounts, balance sheets, and various other accounts and their respective functions. Emphasis is placed on the conceptual framework involved in the classification and summarization of financial data. Valuation of assets and liabilities and recognition of revenue and expenses under the accrual basis are emphasized. Please note: Students should expect 6-8 hours of homework each week.

    Textbook Chapters include:

    • Accounting: The Language of Business
    • Analyzing Business Transactions
    • Analyzing Business Transactions using T Accounts
    • The General Journal and the General Ledger
    • Adjustments and the Worksheet
    • Closing Entries and the Postclosing Trial Balance
    • Accounting for Sales and Accounts Receivable
    • Accounting for Purchases and Accounts Payable
    • Cash Receipts, Cash Payments, and Banking Procedures
    • Payroll Computations, Records, and Payment
    • Payroll Taxes, Deposits and Reports
    • Accruals, Deferrals, and the Worksheet
    • Financial Statements and Closing Procedures

    Audience: Students who require a fundamental knowledge of accounting

  • Accounting

    This Accounting Course is ACE recommended for college credit transfer!

    The Accounting course teaches students the information needed to create financial statements, including trial balances, t-accounts, balance sheets, and various other accounts and their respective functions. Emphasis is placed on the conceptual framework involved in the classification and summarization of financial data. Valuation of assets and liabilities and recognition of revenue and expenses under the accrual basis are emphasized. Please note: Students should expect 6-8 hours of homework each week.

    Textbook Chapters include:

    • Accounting: The Language of Business
    • Analyzing Business Transactions
    • Analyzing Business Transactions using T Accounts
    • The General Journal and the General Ledger
    • Adjustments and the Worksheet
    • Closing Entries and the Postclosing Trial Balance
    • Accounting for Sales and Accounts Receivable
    • Accounting for Purchases and Accounts Payable
    • Cash Receipts, Cash Payments, and Banking Procedures
    • Payroll Computations, Records, and Payment
    • Payroll Taxes, Deposits and Reports
    • Accruals, Deferrals, and the Worksheet
    • Financial Statements and Closing Procedures

    Audience: Students who require a fundamental knowledge of accounting

  • Accounting

    This Accounting Course is ACE recommended for college credit transfer!

    The Accounting course teaches students the information needed to create financial statements, including trial balances, t-accounts, balance sheets, and various other accounts and their respective functions. Emphasis is placed on the conceptual framework involved in the classification and summarization of financial data. Valuation of assets and liabilities and recognition of revenue and expenses under the accrual basis are emphasized. Please note: Students should expect 6-8 hours of homework each week.

    Textbook Chapters include:

    • Accounting: The Language of Business
    • Analyzing Business Transactions
    • Analyzing Business Transactions using T Accounts
    • The General Journal and the General Ledger
    • Adjustments and the Worksheet
    • Closing Entries and the Postclosing Trial Balance
    • Accounting for Sales and Accounts Receivable
    • Accounting for Purchases and Accounts Payable
    • Cash Receipts, Cash Payments, and Banking Procedures
    • Payroll Computations, Records, and Payment
    • Payroll Taxes, Deposits and Reports
    • Accruals, Deferrals, and the Worksheet
    • Financial Statements and Closing Procedures

    Audience: Students who require a fundamental knowledge of accounting

  • Accounting Basics

    The Accounting Basics course provides a complete foundation in basic accounting procedures for students who have minimal or no college accounting or business background, need a refresher course on accounting fundamentals, or need to prepare for further accounting study.  Bank and Credit Union employees at all levels are encouraged to take this course if they have not already taken a college level Accounting course.  This course is a recommended prerequisite to the Accounting course.

    Covered Topics Include:

    • Starting a Proprietorship: Changes That Affect the Accounting Equation
    • Analyzing Transactions into Debit and Credit Parts
    • Journalizing Transactions
    • Posting to a General Ledger
    • Cash Control Systems
    • Creating and Planning Work Sheet for a Service Business
    • Financial Statements for a Proprietorship
    • Recording Adjusting and Closing Entries for a Service Business
    • Journalizing Purchases and Cash Payments
    • Journalizing Sales and Cash Receipts Using Special Journals
    • Posting to General and Subsidiary Ledgers
    • Preparing Payroll Records
    • Payroll Accounting, Taxes and Reports
    • Distributing Dividends and Preparing a Work Sheet for a Merchandising Business
    • Financial Statements for a Corporation
    • Recording Adjusting and Closing Entries for a Corporation

    Audience: Students with little or no accounting background at any level

  • ACH Exception Processing

    What is an exception and how do you handle it when it occurs? Many exceptions are rare, and you may find yourself second guessing what you should do. Gain a better understanding of exception processing from returns to notifications of changes to DNE and more, plus return reporting requirements.

    ACH is generally an automated process. However, there is always the possibility of an exception. So, what is an exception and how do you protect your bank and remain compliant with the ACH Rules.

    We’ll discuss the timeline for handling the different exceptions. We will also address reinitiated entries rules and the return rate reporting that ODFI?s are required to do.

    Covered Topics
    Attend this webinar and walk away with:

    -Ways to identify exceptions as an RDFI and ODFI and determine the best course of action
    -Understanding the timeframes for exception processing
    -Best practices for limiting your liability
    -An understanding of the importance of using the correct return and NOC codes

    Audience: This course is designed for ACH personnel, operations personnel and compliance and risk personnel.

  • ACH Origination

    Many credit unions are originating payments for their members using ACH. You may wonder if there are other types of ACH origination you can offer.

    In this session we’ll go through Article Two of the ACH Rules to help you understand the responsibilities you have for any type of origination and how to be compliant.

    Join us and learn how to decipher the SEC Codes, how the products work and what your warranties are.

    Covered Topics
    -ACH Rule warranties for origination
    -ACH authorizations by SEC Code
    -The impact of Same Day ACH
    -Specific warranties for each SEC Code
    -ACH Formats by SEC Code

    Audience: This course is designed for operations personnel, compliance personnel, auditors, senior management and all others interested in gaining knowledge on ACH Origination and SEC codes.

  • ACH Rule Changes: What?s New in 2019

    It may seem that ACH Rule changes were a bit stagnate for a few years, but there are more coming and not just for Same Day ACH. You’ll want to plan to join us for this class to ensure compliance. Bring your 2019 ACH Rule Book and we’ll make sure you are comfortable with the changes. We’ll also take a look at what happened last year, as a refresher.

    Covered Topics
    -Review ACH Rule Changes in 2018
    -ACH Rule changes effective 2019
    -Review NACHA Initiatives

    Audience: This course is designed for compliance personnel, auditors, operations personnel, senior management and all other interested in gaining knowledge on ACH topics.

  • Active Aggressor for Employees

    Provides indicators of potential active shooters to prevent incidents. Explores the run, hide, or fight response protocol, and reactions to consider when law enforcement officers arrive to the scene. Highlights an EAP and best practices to prevent and report potential dangerous situations.

    What You’ll Learn

    After completing this course, students will be able to:

    • Differentiate an active aggressor situation from other types of violent situations
    • Recognize signs of potential workplace violence
    • Identify the FBI awareness violent situation response protocol: Run, Hide or Fight; and its consequences
    • Collaborate effectively with law enforcement officials after experiencing a violent situation
    • Actively participate in the efforts to stop or prevent violent situations in the workplace

    Audience: All bank staff without management responsibilities.

  • Active Aggressor for Managers

    Provides indicators of potential active aggressor scenarios to prevent incidents. Explores the run, hide, or fight response protocol, and reactions to consider when law enforcement officers arrive to the scene. Highlights an EAP and best practices for managers to prevent and report potential dangerous situations, and post-assessments and activities that follow the violent event. 

    What You’ll Learn

    After completing this course, students will be able to:

    • Differentiate an active aggressor situation from other types of violent situations
    • Recognize signs of potential workplace violence
    • Identify the FBI awareness violent situation response protocol: Run, Hide or Fight; and its consequences
    • Collaborate effectively with law enforcement officials after experiencing a violent situation
    • Actively participate in the efforts to stop or prevent violent situations in the workplace
    • Manage the post-event effects of a violent situation

    Audience: Any bank personnel in managerial positions.

  • ADA Accessibility

    Covers Title III of the ADA which involves accessibility in places of public accommodation, such as banks. Addresses effective accessibly, auxiliary aids and services, requirements for ATM and website accessibility, and legal expectations when a branch is remodeled or the bank builds a new facility. 

    What You’ll Learn

    After completing this course, students will be able to:

    • Explain the ADA requirement for reasonable modification of policies, practices, and procedures
    • Explain the requirements and standards for auxiliary aids and services that encompass reasonable modification of policies, practices, and procedures 
    • Explain the expectations for making new and existing facilities

    Audience: Bank employees who interact with customers, vendors, or other bank personnel.

  • ADA Interacting with People Who Have Disabilities

    Explores appropriate and practical ways to interrelate with individuals that have mobility, hearing, speech and language impairments, intellectual and developmental disabilities, and blindness or low vision. Explains how to promote successful use of adaptive equipment and technology or support that people with disabilities bring into a bank’s premises.

    What You’ll Learn

    After completing this course, students will be able to:

    • List guidelines for effective interactions with people that have mobility, hearing, speech and language impairments, intellectual and developmental disabilities, and blindness or low vision
    • Describe how to promote successful use of adaptive equipment and technology or support that people with disabilities bring into a bank’s premises.

    Audience: Bank employees who interact with customers, vendors, or other bank personnel.

  • ADA Overview and Employment

    Explains the fundamental requirements and prohibitions of Title I of the ADA and how it applies to all aspects of the employment relationship. Teaches bank employees to recognize employment situations that raise ADA issues and to address them effectively.

    What You’ll Learn

    After completing this course, students will be able to:

    • Explain the protection of rights for people with disabilities provided by ADA and ADAAA
    • Identify a covered disability according to the ADAAA definition and criteria
    • Determine a reasonable accommodation for situations involving employees with covered disabilities

    Audience: Bank employees who interact with customers, vendors, or other bank personnel.

  • Advanced Collection Techniques

    The recent recession affected and continues to affect all consumers and many consumers’ ability to repay their debt obligations continue to be impaired. Just about every borrower had some difficulty in keeping their payments current and many borrowers have simply gave up. We are still seeing the impact of that recession today and there appears to be the possibility that another recession may occur again.

    These conditions had a dramatic impact on financial institutions’ delinquency, charge-offs and losses and all of this has put increased pressure on the collection of delinquent accounts. The abilities and expertise of collection departments was tested and many collection departments were not adequately up to the challenge that these conditions presented.

    How can we proactively find ways to collect delinquent accounts, retain the loyalty of the borrowers and minimize losses? Join us for a discussion of advanced collection techniques that focus on tools and methodologies which will assist collection personnel to effectively identify how to reduce delinquency and losses and retain the loyalty of borrowers in perhaps the most difficult economic times we have ever experienced.

    Covered Topics:
    -The two ?Rules of Advanced Collections?
    -Ten collection tips that will increase the effectiveness of collection efforts
    -Better techniques for reaching out to the most difficult debtors when the standard collection techniques have failed
    -Improving collections communications: The key factor for resolving delinquency problems
    -Cost/benefit considerations for collecting the ?really difficult? debtors
    -Methodologies for improving the efficiency of the collection effort to increase recoveries and lower collection costs
    -And more?

    Audience: CEO?s, Lending Management, Supervisory Committee Members, Members of Boards of Directors, Collection Management and Collection Personnel will benefit from attending this webinar.

  • Advanced IRAs

    Advanced IRAs builds on the attendees’ basic IRA knowledge to address some of the
    more complex IRA issues that their financial organizations may handle. This is an
    advanced session; previous IRA knowledge is assumed. The instructor uses real-world
    exercises to help participants apply information to job-related situations.

    Course Topics May Include:

    IRA Update
    -Explain recent changes affecting IRA owners
    -Discuss the current Roth modified adjusted gross income (MAGI) limits
    -Recognize how recent changes may affect your financial organization

    Required Minimum Distributions
    -Calculate a required minimum distribution (RMD)
    -Discuss the RMD rules and reporting requirements

    Beneficiary Options
    – Describe beneficiary distribution options
    – Recognize the differences for spouse, nonspouse, and nonperson beneficiaries
    – Explain beneficiary payment deadlines

    Advanced Portability
    – Summarize the restrictions on the movement between IRAs
    – Recognize the options available when moving from an employer-sponsored
    retirement plan to an IRA
    – Explain the result of violating the portability restrictions

    Roth IRA Conversion Contributions
    – Describe a conversion
    – Explain the effect of withholding on a conversion
    – Report a conversion
    – Define the consequences of an ineligible conversion

    IRA Legal Issues
    – Recognize power of attorney (POA) issues
    – Identify and resolve abandoned property issues
    – Determine the correct process for paying IRA fees
    – Explain the process of handling assets as a result of divorce

    SECURE Act provisions affecting IRAs
    • More rapid payouts to non-spouse (and other) beneficiaries
    • Delayed age for beginning RMDs
    • Birth/adoption excise tax exception
    • “Difficulty of Care” payments treated as eligible compensation for retirement plan
    funding
    • Traditional IRA contributions at any age
    • Graduate student IRA contributions

    FCAA provisions affecting IRAs
    • Qualified disaster distributions

    Audience: You should attend this seminar if you : an IRA administrator, personal banker, or member services personnel who has a working knowledge of basic IRA operations and wishes to expand your expertise and provide enhanced customer service; a financial professional who recognizes that IRAs play an integral role in retirement planning; a compliance specialist with procedural oversight of IRA policies and practices; or support personnel responsible for promotional materials that describe the services provided by your financial organization.

  • Advanced Loan Underwriting

    Even though recent overall lending trends for credit unions across the country have been positive, members financial conditions were changed by the last recession resulting in borrowers becoming more knowledgeable, more demanding, and more selective in their borrowing habits. Moreover, a great many borrowers have become more conservative in how they borrow and from whom. Member borrowers today want more from the Credit Union. They want to feel that the Credit Union is really looking out for the member’s best financial interest and doing everything possible to assist the member with their borrowing financial needs. Competition for every consumer loan has been, and will continue to be, fierce and big financial institutions including banks are well-aware of this and they have prepared by developing new loan products and implemented better training for lending personnel to maximize their lending personnel’s abilities to capture every consumer loan possible.

    WHAT IS YOUR CREDIT UNION DOING TO GET READY FOR THIS?

    Credit Unions need to position themselves to better serve the changing credit needs of their membership to ensure that their members fully utilize the Credit Union and “look to their Credit Union first”, not some other financial institution.

    Covered Topics:
    This presentation will discuss factors that are changing the direction of consumer lending including:

    -Key factors that are affecting the focus and direction of consumer loan underwriting today
    -What are “Advanced Underwriting Skills”?
    -What are the technical advanced underwriting skills and how to they differ from basic technical underwriting skills?
    -Advanced Underwriting skills for
    Marginal Borrowers
    The “Positive Approach” and finding a way to say, “Yes”
    Relationship building and increasing loan volume (Including cross offering, offering value added services and additional related concepts to build member loan financial relationships with the Credit Union)
    -Additional advanced underwriting tools

    Audience: CEO?s, Lending Management, Supervisory Committee Members, Members of Boards of Directors, and Collection Management will benefit from attending this webinar.

  • Advanced Microsoft Excel 2010

    Course Description
    Any proficient Microsoft Excel user will agree that this program is a very powerful analytical tool. In this practical and information-packed course, you’ll see how to maximize this program’s functions and capabilities. Most organizations rely heavily on Excel to consolidate, analyze, and report financial information. Your company is probably no exception. By learning these advanced techniques, you can become more valuable to your organization. You’ll see how to work with the additional analytical tools provided by Excel add-ins and become skilled in using validation to protect the integrity of your worksheets from less experienced users. Impress your coworkers by learning how to add functional and eye-catching custom controls to any worksheet and how to use scenarios and data tables to quickly perform what-if data analyses. You’ll discover advanced techniques for PivotTables, such as creating calculated fields and calculated items. Become adept at consolidating and importing external data, and master the art of conditional formatting to highlight duplicate entries and other common worksheet problems. Learn how Excel 2010 table tools take the complexity out of table creation and management. As you become proficient at nesting functions within other functions, you’ll be able to accomplish just about anything Microsoft Excel has to offer!

    Special Instructions
    This is an online class. Once you have successfully registered and paid, you will receive an e-mail within 72 hours with the necessary login information to start your online course.

    Audience: Anyone

  • Advanced Microsoft Excel 2013

    Course Description
    Most organizations rely heavily on Excel to consolidate, analyze, and report financial information. Your company is probably no exception. By learning these advanced techniques, you can become more valuable to your organization. You’ll see how to work with the additional analysis tools provided by Excel add-ins and become skilled in using validation to protect the integrity of your worksheets from less experienced users. Impress your coworkers by learning how to add functional and eye-catching custom controls to any worksheet and how to use scenarios and data tables to quickly perform what-if data analyses. You’ll discover advanced techniques for PivotTables, like creating Timelines, calculated fields, and calculated items. You’ll learn how to use Excel’s consolidation function to efficiently summarize data from multiple sources, become adept at importing external data, and master the art of conditional formatting to highlight duplicate entries and other common worksheet problems. Learn how Excel 2013 table tools take the complexity out of table creation and management. As you become proficient at nesting functions within other functions, you’ll be able to accomplish just about anything Microsoft Excel has to offer!

    Course Details
    *A new session of each course starts on the 3rd Wednesday of every month. All courses run for six weeks, with a two-week grace period at the end. Two lessons are released each week for the six-week duration of the course. You do not have to be present when lessons are released. You will have access to all lessons until the course ends.*

    Course Requirements
    ƒ?› Internet access
    ƒ?› Email
    ƒ?› One of the following browsers: Mozilla Firefox, Microsoft Internet Explorer (9.0 or above), Google Chrome, Safari
    ƒ?› Adobe PDF plug-in (a free download obtained at Adobe.com .)

    Microsoft Windows 7 or Microsoft Windows 8; Microsoft Excel 2013 or Microsoft Office 2013 (Office Home and Student 2013, Office Professional Plus 2013, Office Home and Business 2013, Office 365 Home Premium, Office 365 University) are all acceptable.

    Special Instructions
    Note: This course is not suitable for Macintosh users who are using the Office Mac Home versions or for users of older versions of Microsoft Excel. “Starter Version” and “Web App” versions of Microsoft Excel 2013 will not work with the full version of Excel taught in this course.

    Audience: Anyone

  • Adverse Action Notices

    Both the Equal Credit Opportunity Act (ECOA) and the Fair Credit Reporting Act (FCRA) require your credit union to notify applicants when adverse action is taken. Notices have to be provided in a timely manner and must contain specific pieces of information. This session will address the adverse action notice requirements under ECOA and FCRA.

    Covered Topics
    -Explanation of what is and is not adverse action
    -Adverse Action Notice timing and information requirements
    -Guidelines for providing notices to multiple parties
    -Common errors in completing adverse action notices

    Audience: Compliance officers and lending staff will benefit from attending this webinar.

  • Advertising

    This Advertising course presents a comprehensive view of the industry, from the creative stand-point while providing real life business examples. This course addresses the importance of Integrated Marketing Communications (IMC) in the field of Advertising and how it impacts advertising strategy through featured examples of IMC campaigns.

    Topics covered include:

    • The Evolution of Advertising
    • Economic and Regulatory Aspects
    • Marketing and Consumer Behavior
    • Market Segmentation and the Marketing Mix
    • Gathering Information for Advertising Planning
    • Planning Media Strategy
    • Creative Strategy and the Creative Process
    • Creative Execution:  Art and Copy
    • Producing Ads for Print, Electronic, and Digital Media
    • Direct Marketing, Personal Selling, Sales Promotion
    • Public Relations, Sponsorship, Corporate Advertising

    Audience: Anyone interested in the Marketing field

  • Advertising: CAN-SPAM Act

    Provides a brief history of the CAN-SPAM Act, the requirements for commercial and transactional emails, and the penalties for not complying with those requirements.

    What You’ll Learn

    After completing this course, students will be able to:

    • Explain the reason the CAN-SPAM Act was enacted
    • Describe the difference between a transactional and a commercial email
    • Explain the requirements for a CAN-SPAM complaint email
    • Describe special cases and how CAN-SPAM regulations apply
    • Understand penalties for non-compliance

    Audience: Marketing staff and any bank staff who send email messages to customers on other than a transactional basis.

  • Advertising: Overview for Marketers

    Provides for bank marketing professionals a high-level overview of the numerous federal laws and regulations affecting bank marketing, including laws prohibiting unfair, deceptive, or abusive acts or practices; disclosure requirements for deposit account and non-deposit accounts; and lending laws. Explains how laws related to the use of e-commerce, social media and foreign languages apply to bank marketing.

    What You’ll Learn

    After completing this course, students will be able to:

    • Explain how laws prohibiting unfair, deceptive, or abusive acts or practices affect bank marketing
    • Describe requirements for deposit account and non-deposit account advertisements
    • Explain how lending laws affect bank marketing
    • Explain how laws related to e-commerce, social media and foreign language advertising affect bank marketing

    Audience: Bank marketing professionals, branch staff or anyone responsible for bank advertising and marketing.

  • Alert! Regulation CC Proposed Changes

    The Board and the Bureau (Agencies) are proposing amendments to Regulation CC, which implements the Expedited Funds Availability Act (EFA Act) (2018 Proposal), and are also providing an additional opportunity for public comment on certain amendments to Regulation CC that the Board proposed in 2011 (2011 Funds Availability Proposal). In the 2018 Proposal, the Agencies are proposing a calculation methodology for implementing a statutory requirement to adjust the dollar amounts in the EFA Act every five years by the aggregate annual percentage increase in the Consumer Price Index for Wage Earners and Clerical Workers (CPI-W) rounded to the nearest multiple of $25. The 2018 Proposal would also implement the Economic Growth, Regulatory Relief, and Consumer Protection Act (EGRRCPA) amendments to the EFA Act, which include extending coverage to American Samoa, the Commonwealth of the Northern Mariana Islands, and Guam, and would make certain other technical amendments.

    What does this mean to your financial institution? Completely revised teller procedures on holds and hold forms as well as new disclosures to give at account opening. This one is BIG!! Learn what is involved before we move to the final version.

    What You Will Learn
    -2018 and 2011 Proposed Changes back on the table
    -New time frames for holds – 4 days
    -New Disclosures – Standardized Disclosures and Hold Notices
    -Inflation adjustment measures
    -Cash availability
    -Addition of certain geographic areas
    -How to count days and place holds the proposed way

    Audience: Deposit Compliance, Deposit Operations, Tellers, Head Tellers and Training Department staff will all benefit from this webinar.

  • Alternative Investment Products

    Describes hedge funds and private equity investments. Explains types of real estate investments and how they are valued. Explores options, futures and forward contracts, and swap agreements. Describes common trust funds. Explains exchange traded funds, general and limited partnerships, and ways to identify the characteristics of closely held corporations.

    What You’ll Learn

    After completing this course, students will be able to:

    • Describe alternative types of investments to clients including the following products: 
      • Hedge funds
      • Private equity
      • Real estate
    • Describe derivatives to clients including the following instruments:
      • Options
      • Futures and forward contracts
      • Swaps
    • Describe alternative investment formats to clients including the following structures: 
      • Common trust funds
      • Exchange traded funds (ETFs)
      • Partnerships
      • Closely held corporations

    Audience: Trust officers with at least three years of personal trust experience who need a deeper understanding of technical trust concepts and how solutions work when applied to client needs.

  • Ambassadorship and Growth - Excellence in Client Service

    Participants learn the critical skills necessary to make themselves more valuable in
    the community at large. You will learn how to capture additional business, refer
    additional business, and represent the institution away from work. You will learn:

    Agenda

    • How to be an ambassador for your institution
    • Impressive first impressions
    • How to be a trusted advisor or client advocate
    • Recognizing high-value clients
    • Building your network

     

    (Four-Part Series – You can also just attend an individual session)

    Audience:

  • AML & SAR for Mortgage Lenders and Originators

    Under the expanded money laundering (AML) and suspicious activity report (SAR) final rule that
    took effect in August 2012, mortgage lenders and originators are now subject to AML and suspicious
    activity regulations. In this course, students will learn about the money-laundering process, key AML legislation,
    money-laundering prevention, and SAR filing requirements. This course provides an overview of the
    money-laundering process and reviews key AML legislation, money-laundering prevention, and SAR filing
    requirements.

    Audience: Compliance Professionals, Internal Audit Services, HR Professionals, Retail Bankers, Mortgage Bankers, Commercial Bankers, Trust Professionals, Electronic Service Professionals, Bank Management

  • AML Essentials: A Seminar for Compliance Beginners

    Are you initiating a career as an AML Compliance professional ?
    Are you in need of an AML essentials refresher seminar?
    Are you interested in obtaining a better understanding of AML basics as they impact your professional responsibilities?

    Then this seminar will assist you in achieving these goals.

    Seminar Objectives:

    At the completion of the seminar, participant would have reviewed concepts related to:

    -Four Pillars in an AML Program
    -The Fifth Pillar and New Requirements associated with Beneficial Ownership
    -Difference between CIP (Customer Identification Program), CDD (Customer Due Diligence) and EDD (Enhanced Due Diligence)
    -Growing threats associated to ID fraud and CIP validation process
    -The concept of beneficial ownership and importance of accurate client identification
    -Private Investment companies (PICs) and multi-layer corporate structures
    -Legal implications and potential exposure to Civil Penalties and/or Enforcement Actions in your present and future career
    -OFAC: What is required from us?
    -Potential risk and exposure when doing business with international clients: Specially Designated Nationals and overview of OFAC Sanctions
    -Senior Political Exposed Persons: Implications, Risk and Identification

    Audience: Participants who are beginning their career in BSA/AML Compliance, and staff in financial institutions with direct customer contact who want to obtain a general and basic understanding of the impact that Compliance has in their job responsibilities.

  • AML Essentials: A Seminar for Compliance Beginners

    Are you initiating a career as an AML Compliance professional ?
    Are you in need of an AML essentials refresher seminar?
    Are you interested in obtaining a better understanding of AML basics as they impact your professional responsibilities?

    Then this seminar will assist you in achieving these goals.

    Seminar Objectives:

    At the completion of the seminar, participant would have reviewed concepts related to:

    -Four Pillars in an AML Program
    -The Fifth Pillar and New Requirements associated with Beneficial Ownership
    -Difference between CIP (Customer Identification Program), CDD (Customer Due Diligence) and EDD (Enhanced Due Diligence)
    -A review of requirements associated to the CDD Beneficial Ownership final rule implemented on May 11, 2018, and the importance in account on-boarding of commercial accounts.
    -Growing threats associated to ID fraud and CIP validation process
    -The concept of beneficial ownership and importance of accurate client identification
    -Private Investment companies (PICs) and multi-layer corporate structures
    -Legal implications and potential exposure to Civil Penalties and/or Enforcement Actions in your present and future career
    -OFAC: What is required from us?
    -Potential risk and exposure when doing business with international clients: Specially Designated Nationals and overview of OFAC Sanctions
    -Senior Political Exposed Persons: Implications, Risk and Identification

    Audience: Participants who are beginning their career in BSA/AML Compliance, and staff in financial institutions with direct customer contact who want to obtain a general and basic understanding of the impact that Compliance has in their job responsibilities.

  • AML for Customer Service Representatives

    Customer service representatives need to have deep working knowledge of money launderingƒ??including
    how this crime is defined and the specific steps they must take to prevent it.

    Audience: Compliance Professionals, Internal Audit Services, HR Professionals, Retail Bankers, Mortgage Bankers, Commercial Bankers, Trust Professionals, Electronic Service Professionals, Bank Management

  • AML for Lenders

    Learn about lender-specific AML legislation, and review steps you need to take to help prevent money laundering at your financial institution.

    Audience: n/a

  • AML for Operations

    Review the money laundering process, key AML legislation, and ways that youƒ??as an operations employeeƒ??can help your organization comply with AML laws in your organization.

    Audience: n/a

  • AML for Tellers

    If you are a teller, or you manage a team of tellers in your institution, this AML training is for you. Learn how money laundering is defined and the specific steps you or your employees should take to prevent
    it.

    Audience: n/a

  • AML Fundamentals for New Compliance Professionals

    Are you initiating a career as an AML Compliance professional ?
    Are you in need of an AML refresher ON AML BASICS?
    Are you interested in obtaining a better understanding of AML basics as they impact your professional responsibilities?

    Then this seminar will assist you in achieving these goals.

    Seminar Objectives:

    At the completion of the seminar, participant would have reviewed concepts related to:

    -Four Pillars in an AML Program
    -The Fifth Pillar and New Requirements associated with Beneficial Ownership
    -Difference between CIP (Customer Identification Program), CDD (Customer Due Diligence) and EDD (Enhanced Due Diligence)
    -A review of requirements associated to the CDD Beneficial Ownership final rule implemented on May 11, 2018, and the importance in account on-boarding of commercial accounts.
    -Growing threats associated to ID fraud and CIP validation process
    -The concept of beneficial ownership and importance of accurate client identification
    -Private Investment companies (PICs) and multi-layer corporate structures
    -Legal implications and potential exposure to Civil Penalties and/or Enforcement Actions in your present and future career
    -OFAC Essentials, Sanctions and Specially Designated Nationals
    -Senior Political Exposed Persons: Implications, Risk and Identification

    Audience:

  • Analyzing Bank Performance

    An overview of tools and techniques to analyze and improve a bank’s financial performance. Participants observe the effects of certain kinds of risk on a bank’s financial track record, and the correlation between risk optimization and superior financial performance.

    Learning Objectives

    • Use the Uniform Bank Performance Report to analyze a bank’s performance over several periods and against peer banks
    • Demonstrate the connection between a consistently high level of financial performance as measured by the Return on Owners’ Equity Ratio and its relationship to credit, liquidity, capital and operational risk for the bank
    • Identify the major factors that affect a bank’s financial performance
    • Identify key components of non-interest income and expense and explore strategies to improve performance
    • Utilize tools such as the Balanced Scorecard to assess and improve financial performance, including functional goal setting and performance evaluation

    Audience: This course is designed for junior-level bank officers all the way up through CEOs who need to analyze their bank's performance. Participants should have some basic knowledge of balance sheets and income statements.

  • Analyzing Bank Performance

    An overview of tools and techniques to analyze and improve a bank’s financial performance. Participants observe the effects of certain kinds of risk on a bank’s financial track record, and the correlation between risk optimization and superior financial performance.

    Learning Objectives

    • Use the Uniform Bank Performance Report to analyze a bank’s performance over several periods and against peer banks
    • Demonstrate the connection between a consistently high level of financial performance as measured by the Return on Owners’ Equity Ratio and its relationship to credit, liquidity, capital and operational risk for the bank
    • Identify the major factors that affect a bank’s financial performance
    • Identify key components of non-interest income and expense and explore strategies to improve performance
    • Utilize tools such as the Balanced Scorecard to assess and improve financial performance, including functional goal setting and performance evaluation

    Audience: This course is designed for junior-level bank officers all the way up through CEOs who need to analyze their bank's performance. Participants should have some basic knowledge of balance sheets and income statements.

  • Analyzing Bank Performance

    An overview of tools and techniques to analyze and improve a bank’s financial performance. Participants observe the effects of certain kinds of risk on a bank’s financial track record, and the correlation between risk optimization and superior financial performance.

    Learning Objectives

    • Use the Uniform Bank Performance Report to analyze a bank’s performance over several periods and against peer banks
    • Demonstrate the connection between a consistently high level of financial performance as measured by the Return on Owners’ Equity Ratio and its relationship to credit, liquidity, capital and operational risk for the bank
    • Identify the major factors that affect a bank’s financial performance
    • Identify key components of non-interest income and expense and explore strategies to improve performance
    • Utilize tools such as the Balanced Scorecard to assess and improve financial performance, including functional goal setting and performance evaluation

    Audience: This course is designed for junior-level bank officers all the way up through CEOs who need to analyze their bank's performance. Participants should have some basic knowledge of balance sheets and income statements.

  • Analyzing Business Financial Statements and Tax Returns Suite

    These seven courses explore how to analyze and interpret business financial statements and tax returns, including cash flow statements. Courses also cover the components of CRE cash flow and the drivers of cap rates.

    Courses

    The courses included (only available as a suite) and their objectives are listed below:

    • Income Statement Analysis
      Explain the components of revenue and cost of goods sold. Describe operating expenses and net profit analysis.
    • Balance Sheet Analysis
      Identify balance sheet considerations, describe the different types of assets, and explain the components involved in a liability and equity analysis.
    • Ratio Analysis
      Describe the use of ratios to evaluate financial performance. Identify, calculate and interpret liquidity, financial leverage, profitability, efficiency and debt coverage ratios. Explain how to use industry data when performing a ratio analysis.
    • Cash Flow Analysis
      Identify cash flow statements and reports, and describe the two dominant types of cash flow reports—indirect and direct. Explain the direct method for operating activities and the importance of pro forma and cash budgets.
    • The UCA Model
      Compare the formats of the banker-prepared UCA cash flow model and the accountant-prepared statement of cash flows (SCF). Construct a UCA model and interpret the results. Explain the advantages of the UCA model.
    • Cash Budgets and Pro Forma Statements
      Describe a cash budget and explain its purpose, including why it is a critical tool in financial statement analysis. Identify key financial information in the cash budget format. Analyze the cash budget and determine its effect on the operating cycle, working capital and capital expenditures.
    • NEW: CRE Cash Flow and Cap Rates
      Identify the components of CRE cash flow, and explain why two cash flow numbers may be appropriative when underwriting CRE loans. Describe the primary drivers of cap rates in estimating property values.

    Audience: Commercial and/or business bankers and credit analysts.

  • Analyzing Financial Statements

    A practical introduction to financial statement analysis from the perspective of the commercial loan officer. Gain the skills needed to effectively assess the risks related to a customer—current and prospective—and evaluate possible sources of repayment for the loan.

    Learning Objectives

    • Analyze the financial data and evaluate the risks of different industries
    • Describe the considerations a lender needs to take into account when using ratios to evaluate financial performance
    • Explain the importance of cash flow and the various tools for cash flow analysis, such as the UCA Cash Flow Model and Global Cash Flow
    • Describe the basic formats and analysis techniques for personal financial statements as well as tax returns

    Audience: Commercial and/or business bankers and credit analysts

  • Analyzing Financial Statements

    A practical introduction to financial statement analysis from the perspective of the commercial loan officer. Gain the skills needed to effectively assess the risks related to a customer—current and prospective—and evaluate possible sources of repayment for the loan.

    Learning Objectives

    • Analyze the financial data and evaluate the risks of different industries
    • Describe the considerations a lender needs to take into account when using ratios to evaluate financial performance
    • Explain the importance of cash flow and the various tools for cash flow analysis, such as the UCA Cash Flow Model and Global Cash Flow
    • Describe the basic formats and analysis techniques for personal financial statements as well as tax returns

    Audience: Commercial and/or business bankers and credit analysts

  • Analyzing Financial Statements

    A practical introduction to financial statement analysis from the perspective of the commercial loan officer. Gain the skills needed to effectively assess the risks related to a customer – current and prospective – and evaluate possible sources of repayment for the loan.

    Learning Objectives

    • Analyze the financial data and evaluate the risks of different industries
    • Describe the considerations a lender needs to take into account when using ratios to evaluate financial performance
    • Explain the importance of cash flow and the various tools for cash flow analysis, such as the UCA Cash Flow Model and Global Cash Flow
    • Describe the basic formats and analysis techniques for personal financial statements as well as tax returns

    Audience: Commercial and/or business bankers and credit analysts

  • Analyzing Financial Statements

    A practical introduction to financial statement analysis from the perspective of the commercial loan officer. Gain the skills needed to effectively assess the risks related to a customer—current and prospective—and evaluate possible sources of repayment for the loan.

    Learning Objectives

    • Analyze the financial data and evaluate the risks of different industries
    • Describe the considerations a lender needs to take into account when using ratios to evaluate financial performance
    • Explain the importance of cash flow and the various tools for cash flow analysis, such as the UCA Cash Flow Model and Global Cash Flow
    • Describe the basic formats and analysis techniques for personal financial statements as well as tax returns

    Audience: Commercial and/or business bankers and credit analysts

  • Analyzing Financial Statements

    The Analyzing Financial Statements course is ACE recommended for college credit transfer!

    A practical introduction to financial analysis from the viewpoint of the commercial credit analyst and commercial loan officer, the Analyzing Financial Statements course gives you the skills you need to effectively assess a commercial borrower’s ability to repay loans. After successfully completing this course, you will be able to: identify the reasons why businesses need to borrow; how to structure a commercial loan properly; define the legal structures available to a business; analyze income statements, balance sheets, cash budgets, pro forma statements, and personal financial statements; calculate key financial ratios and use them to compare a company’s performance with that of the company’s industry; Identify and construct cash flow statements and analysis; ; develop a global cash flow and global debt service coverage for a business.

    Textbook chapter topics include:

    • Business Sectors and Operating Cycles
    • Business Legal Structures and Life Cycles
    • How Business Financial Statements are Constructed
    • Income Statement Analysis
    • Ratio Analysis
    • Cash Flow Analysis
    • Cash Budgets and Pro Forma Statements
    • Personal Tax Returns and Cash Flow
    • Combining Business and Personal Cash Flow into Global Cash Flow

    Audience: Designed for commercial loan officers, credit analysts and trainees who have a basic knowledge of accounting principles and practices and a familiarity with the commercial lending process.

  • Analyzing Financial Statements

    A practical introduction to financial analysis from the viewpoint of the commercial credit analyst and commercial loan officer, the Analyzing Financial Statements course gives you the skills you need to effectively assess a commercial borrower’s ability to repay loans. After successfully completing this course, you will be able to: identify the reasons why businesses need to borrow; how to structure a commercial loan properly; define the legal structures available to a business; analyze income statements, balance sheets, cash budgets, pro forma statements, and personal financial statements; calculate key financial ratios and use them to compare a company’s performance with that of the company’s industry; Identify and construct cash flow statements and analysis; develop a global cash flow and global debt service coverage for a business.

    Textbook chapter topics include:

    • Business Sectors and Operating Cycles
    • Business Legal Structures and Life Cycles
    • How Business Financial Statements are Constructed
    • Income Statement Analysis
    • Ratio Analysis
    • Cash Flow Analysis
    • Cash Budgets and Pro Forma Statements
    • Personal Tax Returns and Cash Flow
    • Combining Business and Personal Cash Flow into Global Cash Flow

    Audience: Commercial and/or business bankers and credit analysts

  • Analyzing Financial Statements

    A practical introduction to financial statement analysis from the perspective of the commercial loan officer. Gain the skills needed to effectively assess the risks related to a customerƒ??current and prospectiveƒ??and evaluate possible sources of repayment for the loan.

    Learning Objectives
    – Analyze the financial data and evaluate the risks of different industries
    – Describe the considerations a lender needs to take into account when using ratios to evaluate financial performance
    – Explain the importance of cash flow and the various tools for cash flow analysis, such as the UCA Cash Flow Model and – Global Cash Flow
    – Describe the basic formats and analysis techniques for personal financial statements as well as tax returns

    Audience: Commercial and/or business bankers and credit analysts

  • Analyzing Financial Statements

    A practical introduction to financial statement analysis from the perspective of the commercial loan officer. Gain the skills needed to effectively assess the risks related to a customerƒ??current and prospectiveƒ??and evaluate possible sources of repayment for the loan.

    Learning Objectives
    – Analyze the financial data and evaluate the risks of different industries
    – Describe the considerations a lender needs to take into account when using ratios to evaluate financial performance
    – Explain the importance of cash flow and the various tools for cash flow analysis, such as the UCA Cash Flow Model and – Global Cash Flow
    – Describe the basic formats and analysis techniques for personal financial statements as well as tax returns

    Audience: Commercial and/or business bankers and credit analysts

  • Analyzing Financial Statements

    A practical introduction to financial statement analysis from the perspective of the commercial loan officer. Gain the skills needed to effectively assess the risks related to a customerƒ??current and prospectiveƒ??and evaluate possible sources of repayment for the loan.

    Learning Objectives
    – Analyze the financial data and evaluate the risks of different industries
    – Describe the considerations a lender needs to take into account when using ratios to evaluate financial performance
    – Explain the importance of cash flow and the various tools for cash flow analysis, such as the UCA Cash Flow Model and – Global Cash Flow
    – Describe the basic formats and analysis techniques for personal financial statements as well as tax returns

    Audience: Commercial and/or business bankers and credit analysts

  • Analyzing Financial Statements

    A practical introduction to financial statement analysis from the perspective of the commercial loan officer. Gain the skills needed to effectively assess the risks related to a customerƒ??current and prospectiveƒ??and evaluate possible sources of repayment for the loan.

    Learning Objectives
    – Analyze the financial data and evaluate the risks of different industries
    – Describe the considerations a lender needs to take into account when using ratios to evaluate financial performance
    – Explain the importance of cash flow and the various tools for cash flow analysis, such as the UCA Cash Flow Model and – Global Cash Flow
    – Describe the basic formats and analysis techniques for personal financial statements as well as tax returns

    Audience: Commercial and/or business bankers and credit analysts

  • Analyzing Financial Statements

    A practical introduction to financial statement analysis from the perspective of the commercial loan officer. Gain the skills needed to effectively assess the risks related to a customerƒ??current and prospectiveƒ??and evaluate possible sources of repayment for the loan.

    Learning Objectives
    – Analyze the financial data and evaluate the risks of different industries
    – Describe the considerations a lender needs to take into account when using ratios to evaluate financial performance
    – Explain the importance of cash flow and the various tools for cash flow analysis, such as the UCA Cash Flow Model and – Global Cash Flow
    – Describe the basic formats and analysis techniques for personal financial statements as well as tax returns

    Audience: Commercial and/or business bankers and credit analysts

  • Analyzing Financial Statements

    A practical introduction to financial statement analysis from the perspective of the commercial loan officer. Gain the skills needed to effectively assess the risks related to a customerƒ??current and prospectiveƒ??and evaluate possible sources of repayment for the loan.

    Learning Objectives
    – Analyze the financial data and evaluate the risks of different industries
    – Describe the considerations a lender needs to take into account when using ratios to evaluate financial performance
    – Explain the importance of cash flow and the various tools for cash flow analysis, such as the UCA Cash Flow Model and – Global Cash Flow
    – Describe the basic formats and analysis techniques for personal financial statements as well as tax returns

    Audience: Commercial and/or business bankers and credit analysts

  • Analyzing Financial Statements

    A practical introduction to financial statement analysis from the perspective of the commercial loan officer. Gain the skills needed to effectively assess the risks related to a customer current and prospective and evaluate possible sources of repayment for the loan.

    Learning Objectives
    – Analyze the financial data and evaluate the risks of different industries
    – Describe the considerations a lender needs to take into account when using ratios to evaluate financial performance
    – Explain the importance of cash flow and the various tools for cash flow analysis, such as the UCA Cash Flow Model and – Global Cash Flow
    – Describe the basic formats and analysis techniques for personal financial statements as well as tax returns

    Audience: Commercial and/or business bankers and credit analysts

  • Analyzing Financial Statements

    A practical introduction to financial statement analysis from the perspective of the commercial loan officer. Gain the skills needed to effectively assess the risks related to a customerƒ??current and prospectiveƒ??and evaluate possible sources of repayment for the loan.

    Learning Objectives
    – Analyze the financial data and evaluate the risks of different industries
    – Describe the considerations a lender needs to take into account when using ratios to evaluate financial performance
    – Explain the importance of cash flow and the various tools for cash flow analysis, such as the UCA Cash Flow Model and – Global Cash Flow
    – Describe the basic formats and analysis techniques for personal financial statements as well as tax returns

    Audience: Commercial and/or business bankers and credit analysts

  • Analyzing Financial Statements

    A practical introduction to financial statement analysis from the perspective of the commercial loan officer. Gain the skills needed to effectively assess the risks related to a customer—current and prospective—and evaluate possible sources of repayment for the loan.

    Learning Objectives

    • Analyze the financial data and evaluate the risks of different industries
    • Describe the considerations a lender needs to take into account when using ratios to evaluate financial performance
    • Explain the importance of cash flow and the various tools for cash flow analysis, such as the UCA Cash Flow Model and Global Cash Flow
    • Describe the basic formats and analysis techniques for personal financial statements as well as tax returns

    Audience: Commercial and/or business bankers and credit analysts

  • Analyzing Financial Statements

    A practical introduction to financial analysis from the viewpoint of the commercial credit analyst and commercial loan officer, the Analyzing Financial Statements course gives you the skills you need to effectively assess a commercial borrower’s ability to repay loans. After successfully completing this course, you will be able to: identify the reasons why businesses need to borrow; how to structure a commercial loan properly; define the legal structures available to a business; analyze income statements, balance sheets, cash budgets, pro forma statements, and personal financial statements; calculate key financial ratios and use them to compare a company’s performance with that of the company’s industry; Identify and construct cash flow statements and analysis; ; develop a global cash flow and global debt service coverage for a business.

    Textbook chapter topics include:

    • Business Sectors and Operating Cycles
    • Business Legal Structures and Life Cycles
    • How Business Financial Statements are Constructed
    • Income Statement Analysis
    • Ratio Analysis
    • Cash Flow Analysis
    • Cash Budgets and Pro Forma Statements
    • Personal Tax Returns and Cash Flow
    • Combining Business and Personal Cash Flow into Global Cash Flow

    Audience: Commercial and/or business bankers and credit analysts

  • Analyzing Financial Statements

    A practical introduction to financial analysis from the viewpoint of the commercial credit analyst and commercial loan officer, the Analyzing Financial Statements course gives you the skills you need to effectively assess a commercial borrower’s ability to repay loans. After successfully completing this course, you will be able to: identify the reasons why businesses need to borrow; how to structure a commercial loan properly; define the legal structures available to a business; analyze income statements, balance sheets, cash budgets, pro forma statements, and personal financial statements; calculate key financial ratios and use them to compare a company’s performance with that of the company’s industry; Identify and construct cash flow statements and analysis; ; develop a global cash flow and global debt service coverage for a business.

    Textbook chapter topics include:

    • Business Sectors and Operating Cycles
    • Business Legal Structures and Life Cycles
    • How Business Financial Statements are Constructed
    • Income Statement Analysis
    • Ratio Analysis
    • Cash Flow Analysis
    • Cash Budgets and Pro Forma Statements
    • Personal Tax Returns and Cash Flow
    • Combining Business and Personal Cash Flow into Global Cash Flow

    Audience: Commercial and/or business bankers and credit analysts

  • Analyzing Financial Statements

    A practical introduction to financial analysis from the viewpoint of the commercial credit analyst and commercial loan officer, the Analyzing Financial Statements course gives you the skills you need to effectively assess a commercial borrower’s ability to repay loans. After successfully completing this course, you will be able to: identify the reasons why businesses need to borrow; how to structure a commercial loan properly; define the legal structures available to a business; analyze income statements, balance sheets, cash budgets, pro forma statements, and personal financial statements; calculate key financial ratios and use them to compare a company’s performance with that of the company’s industry; Identify and construct cash flow statements and analysis; ; develop a global cash flow and global debt service coverage for a business.

    Textbook chapter topics include:

    • Business Sectors and Operating Cycles
    • Business Legal Structures and Life Cycles
    • How Business Financial Statements are Constructed
    • Income Statement Analysis
    • Ratio Analysis
    • Cash Flow Analysis
    • Cash Budgets and Pro Forma Statements
    • Personal Tax Returns and Cash Flow
    • Combining Business and Personal Cash Flow into Global Cash Flow

    Audience: Commercial and/or business bankers and credit analysts

  • Analyzing Financial Statements

    A practical introduction to financial analysis from the viewpoint of the commercial credit analyst and commercial loan officer, the Analyzing Financial Statements course gives you the skills you need to effectively assess a commercial borrower’s ability to repay loans. After successfully completing this course, you will be able to: identify the reasons why businesses need to borrow; how to structure a commercial loan properly; define the legal structures available to a business; analyze income statements, balance sheets, cash budgets, pro forma statements, and personal financial statements; calculate key financial ratios and use them to compare a company’s performance with that of the company’s industry; Identify and construct cash flow statements and analysis; ; develop a global cash flow and global debt service coverage for a business.

    Textbook chapter topics include:

    • Business Sectors and Operating Cycles
    • Business Legal Structures and Life Cycles
    • How Business Financial Statements are Constructed
    • Income Statement Analysis
    • Ratio Analysis
    • Cash Flow Analysis
    • Cash Budgets and Pro Forma Statements
    • Personal Tax Returns and Cash Flow
    • Combining Business and Personal Cash Flow into Global Cash Flow

    Audience: Commercial and/or business bankers and credit analysts

  • Analyzing Financial Statements

    A practical introduction to financial statement analysis from the perspective of the commercial loan officer. Gain the skills needed to effectively assess the risks related to a customer—current and prospective—and evaluate possible sources of repayment for the loan.

    Learning Objectives

    • Analyze the financial data and evaluate the risks of different industries
    • Describe the considerations a lender needs to take into account when using ratios to evaluate financial performance
    • Explain the importance of cash flow and the various tools for cash flow analysis, such as the UCA Cash Flow Model and Global Cash Flow
    • Describe the basic formats and analysis techniques for personal financial statements as well as tax returns

    Audience: Commercial and/or business bankers and credit analysts

  • Analyzing Financial Statements

    A practical introduction to financial statement analysis from the perspective of the commercial loan officer. Gain the skills needed to effectively assess the risks related to a customer—current and prospective—and evaluate possible sources of repayment for the loan.

    Learning Objectives:
    Analyze the financial data and evaluate the risks of different industries
    Describe the considerations a lender needs to take into account when using ratios to evaluate financial performance
    Explain the importance of cash flow and the various tools for cash flow analysis, such as the UCA Cash Flow Model and Global Cash Flow
    Describe the basic formats and analysis techniques for personal financial statements as well as tax returns

    Audience: Commercial and/or business bankers and credit analysts.

  • Analyzing Financial Statements

    A practical introduction to financial statement analysis from the perspective of the commercial loan officer. Gain the skills needed to effectively assess the risks related to a customer—current and prospective—and evaluate possible sources of repayment for the loan.

    Learning Objectives

    • Analyze the financial data and evaluate the risks of different industries
    • Describe the considerations a lender needs to take into account when using ratios to evaluate financial performance
    • Explain the importance of cash flow and the various tools for cash flow analysis, such as the UCA Cash Flow Model and Global Cash Flow
    • Describe the basic formats and analysis techniques for personal financial statements as well as tax returns

    Audience

    Commercial and/or business bankers and credit analysts. The recommended prerequisite course is General Accounting.

    Audience: Commercial and/or business bankers and credit analysts.

  • Analyzing Financial Statements

    A practical introduction to financial analysis from the viewpoint of the commercial credit analyst and commercial loan officer, the Analyzing Financial Statements course gives you the skills you need to effectively assess a commercial borrower’s ability to repay loans. After successfully completing this course, you will be able to: identify the reasons why businesses need to borrow; how to structure a commercial loan properly; define the legal structures available to a business; analyze income statements, balance sheets, cash budgets, pro forma statements, and personal financial statements; calculate key financial ratios and use them to compare a company’s performance with that of the company’s industry; Identify and construct cash flow statements and analysis; ; develop a global cash flow and global debt service coverage for a business.

    Textbook chapter topics include:

    • Business Sectors and Operating Cycles
    • Business Legal Structures and Life Cycles
    • How Business Financial Statements are Constructed
    • Income Statement Analysis
    • Ratio Analysis
    • Cash Flow Analysis
    • Cash Budgets and Pro Forma Statements
    • Personal Tax Returns and Cash Flow
    • Combining Business and Personal Cash Flow into Global Cash Flow

    Audience: Commercial and/or business bankers and credit analysts

  • Analyzing Financial Statements

    A practical introduction to financial analysis from the viewpoint of the commercial credit analyst and commercial loan officer, the Analyzing Financial Statements course gives you the skills you need to effectively assess a commercial borrower’s ability to repay loans. After successfully completing this course, you will be able to: identify the reasons why businesses need to borrow; how to structure a commercial loan properly; define the legal structures available to a business; analyze income statements, balance sheets, cash budgets, pro forma statements, and personal financial statements; calculate key financial ratios and use them to compare a company’s performance with that of the company’s industry; Identify and construct cash flow statements and analysis; ; develop a global cash flow and global debt service coverage for a business.

    Textbook chapter topics include:

    • Business Sectors and Operating Cycles
    • Business Legal Structures and Life Cycles
    • How Business Financial Statements are Constructed
    • Income Statement Analysis
    • Ratio Analysis
    • Cash Flow Analysis
    • Cash Budgets and Pro Forma Statements
    • Personal Tax Returns and Cash Flow
    • Combining Business and Personal Cash Flow into Global Cash Flow

    Audience: Commercial and/or business bankers and credit analysts

  • Analyzing Financial Statements

    A practical introduction to financial analysis from the viewpoint of the commercial credit analyst and commercial loan officer, the Analyzing Financial Statements course gives you the skills you need to effectively assess a commercial borrower’s ability to repay loans. After successfully completing this course, you will be able to: identify the reasons why businesses need to borrow; how to structure a commercial loan properly; define the legal structures available to a business; analyze income statements, balance sheets, cash budgets, pro forma statements, and personal financial statements; calculate key financial ratios and use them to compare a company’s performance with that of the company’s industry; Identify and construct cash flow statements and analysis; ; develop a global cash flow and global debt service coverage for a business.

    Textbook chapter topics include:

    • Business Sectors and Operating Cycles
    • Business Legal Structures and Life Cycles
    • How Business Financial Statements are Constructed
    • Income Statement Analysis
    • Ratio Analysis
    • Cash Flow Analysis
    • Cash Budgets and Pro Forma Statements
    • Personal Tax Returns and Cash Flow
    • Combining Business and Personal Cash Flow into Global Cash Flow

    Audience: Commercial and/or business bankers and credit analysts

  • Analyzing Financial Statements

    A practical introduction to financial analysis from the viewpoint of the commercial credit analyst and commercial loan officer, the Analyzing Financial Statements course gives you the skills you need to effectively assess a commercial borrower’s ability to repay loans. After successfully completing this course, you will be able to: identify the reasons why businesses need to borrow; how to structure a commercial loan properly; define the legal structures available to a business; analyze income statements, balance sheets, cash budgets, pro forma statements, and personal financial statements; calculate key financial ratios and use them to compare a company’s performance with that of the company’s industry; Identify and construct cash flow statements and analysis; ; develop a global cash flow and global debt service coverage for a business.

    Textbook chapter topics include:

    • Business Sectors and Operating Cycles
    • Business Legal Structures and Life Cycles
    • How Business Financial Statements are Constructed
    • Income Statement Analysis
    • Ratio Analysis
    • Cash Flow Analysis
    • Cash Budgets and Pro Forma Statements
    • Personal Tax Returns and Cash Flow
    • Combining Business and Personal Cash Flow into Global Cash Flow

    Audience: Commercial and/or business bankers and credit analysts

  • Analyzing Personal Financial Statements and Tax Returns Suite

    These four courses highlight personal financial statements and tax returns, the analysis of key ratios and adjusted net worth, and the importance of combining business and personal cash flow into a global analysis.

    Courses

    The courses included (only available as a suite) and their objectives are listed below:

    • Types of Personal Financial Statements
      Describe the basic formats for personal financial statements. Identify the information that is reviewed and verified prior to analyzing the personal financial statement.
    • Key Ratios and Adjusted Net Worth
      Calculate and interpret the liquidity ratio, unsecured debt ratio, and debt-to-income ratio. Perform an analysis using ratios to determine personal financial condition. Describe the components of adjusted net worth, and use adjusted net worth to analyze key personal asset and liability accounts.
    • Personal Tax Returns and Cash Flow
      Describe the key components of a personal tax return. Use tax return information to develop a personal cash flow.
    • Combining Business and Personal Cash Flow into Global Cash Flow
      Explain why global cash flow is critical when making credit decisions. Develop a global cash flow and global DSC for a borrower.

    Audience: Commercial and/or business bankers and credit analysts.

  • Analyzing the Balance Sheet and Income Statement

    The principal goal of this course is to enable you to analyze the balance sheet and income statement.

    Covered Topics
    -Explain the history and purpose the balance sheet and income statement.
    -Demonstrate how common sizing the accounts can be used to help analyze both the balance sheet and income statement.
    -Perform horizontal and vertical analysis on both the balance sheet and income statement.
    -Define the difference between assets, liabilities and owner?s equity.
    -Identify both current and non-current assets and liabilities.
    -Identify questions to ask management about selected balance sheet accounts.
    -Explain the difference between Lifo and Fifo
    -Explain the different depreciation methods used with fixed assets.
    -Provide definitions for selected balance sheet accounts such as:
    Leases
    Intangibles
    Deferred Taxes
    Treasury Stock
    Additional paid in capital
    Retained Earnings
    Goodwill
    Other comprehensive income
    -Examine the balance sheet for liquidity and leverage
    -Define the balance sheet and income statement accounts that would be considered primary and secondary sources of repayment on a loan.
    -Explain how income serves as one of the principal components of cash available for debt repayment and maintaining company viability.
    -Develop questions to ask management about revenues and expenses.
    -Explain how cost of goods sold can differ in a manufacturer versus a retailer or wholesaler
    -Explain the difference between gross profit, operating profit and net profit
    -Identify typical operating expenses.
    -Define a fixed versus a variable expense.
    -Explain other income and expenses.
    -Define extraordinary items.
    -Explain how the notes to the financial statements are used to further explain information on the balance sheet and income statement.

    Audience: Commercial lenders, credit analysts, small business lenders, middle market lenders, private bankers; loan review specialists, special assets officers, lending managers and credit officers.

  • Anatomy of a Regulations for Compliance Professionals

    Describes how laws are created and how regulations are developed and structured to fulfill their intent. Explains the standard means for referencing a citation and tips for researching various laws and regulations more efficiently.

    What You’ll Learn
    After completing this course, students will be able to:

    • Explain the purpose of federal banking laws and regulations
    • Explain how bills become law and describe the structure of a typical law
    • Describe the structure and format of regulations
    • Identify sources of guidance and practical tips for understanding and interpreting federal laws and regulations

    Audience: Compliance professionals including compliance managers, officers, and other compliance team members whose primary role is within the compliance function at their financial institution; bank examiners, bank regulators, auditors and lending compliance professionals.

  • Annual BSA Officer and Staff Training 2019

    Preparing for the BSA exam is made easy with this comprehensive 90 minute program. We will review all the new BSA regulatory issues. We will focus on investigations, new types of crime and payment mechanisms. Plus we will begin the countdown to customer due diligence programs and look at the examination expectations for 2019.

    Covered Topics
    -Navigating the law and the exam manual
    -Recent sanctions and lessons learned around the country
    -Implementing the new Customer Due Diligence Rules
    -Revisiting Customer Identification Programs
    -Investigations and filing SARs
    -New payment mechanisms and BSA risk
    -Create a more robust risk assessment
    -Review OFAC changes and updates
    -Examination hot spots and avoid them
    -Confidentiality issues on SARS and common errors
    -Third party payment processors and third party vendor issues with BSA
    -New CTR
    -And much much more

    Attendees will also receive:
    A BSA Officer Toolkit including sample policy, audit, law, exam manual.

    Audience: This webinar is designed for New BSA Officers, BSA coordinators, those who assist the BSA Officers such as Security, OFAC and Compliance Officers

  • Annuities

    Provides foundational knowledge and considerations for purchasing annuities. Reviews client needs that can be addressed with annuities, common types of annuities, taxation and other considerations to meet the client’s objectives.

    What You’ll Learn

    After completing this course, students will be able to:

    • Describe client needs that can be addressed with annuities
    • Describe the characteristics of an annuity
    • Explain considerations when purchasing an annuity
    • Describe the types of annuities
    • Explain annuity taxation and other tax considerations

    Audience: Client-facing relationship managers (wealth advisors, fiduciary advisors, portfolio managers, bankers, planners) who want to raise their client engagement acumen.

  • Anti Money Laundering (AML)

    Be informed about money laundering. Learn about the process, legislation and requirements and discover ways you can prevent money laundering at your financial institution.

    Audience: n/a

  • Anti-Terrorism Overview

    Explore the laws designed to protect financial institutions’ assets and help prohibit certain types of organizations from accessing the U.S. financial system.

    Audience: n/a

  • Anti-Tying Restrictions

    Explore the basics of anti-tying restrictionsƒ??discover what anti-tying is, when it occurs, and how to avoid violationsƒ??and study the exceptions that apply to the anti-tying rules. Also, learn about other factors relating to anti-tying, such as anti-trust laws and anti-tying penalties.

    Audience: n/a

  • Applied Financial Statements Analysis

    This course will emphasize the fundamental techniques of financial statement analysis via the use of case studies to illustrate its use and implementation. Building upon a review of accounting concepts, the course will cover the analysis (including the ratio analysis), and the interpretation of financial accounting information including the balance sheet, income statement, and cash flows. Apply what you learned in the Analyzing Financial Statements class in this case study driven course.

    Audience:

  • Applying Fiduciary Principles and Ethics

    This course focuses on common client situations that may present ethical concerns for fiduciaries. These situations include: conflicts of interest, investment regulations and working with teams that include non-fiduciary advisors. You’ll identify actions to take that are consistent with ethical and fiduciary responsibilities.

    What You’ll Learn

    After completing this course, students will be able to:

    • Explain behavioral guidelines for fiduciaries in potential conflict-of-interest situations
    • Describe rules regarding revenue sharing for related parties and affiliates
    • Describe rules for offering proprietary investments
    • Explain investment regulatory requirements for directed brokerage accounts and control personnel
    • Describe fiduciary responsibilities when working with a team that includes non-fiduciary advisors

    Audience: Client-facing relationship managers (fiduciary advisors, portfolio managers, bankers, planners) who want to raise their client engagement acumen.

  • Appraisal

    Audience:

  • Appraisal Procedures

    Fundamentals of appraisal procedures, including defining the role of the appraiser and the valuation process. An examination of the use of Automated Valuation Models (AVMs), the importance of appraiser independence and recent mortgage fraud trends is also covered 

    Produced by Ellie Mae/ AllRegs®

    What You’ll Learn

    After successfully completing this course, you will be able to:

    • Recognize appraisal licensing and certification agencies
    • Distinguish the role of the appraiser
    • Identify appraiser qualifications
    • Recognize the components of the valuation process
    • Distinguish characteristics of automated valuation models (AVMs)
    • Identify appraiser independence requirements
    • Define fraud and identify its consequences

    Audience: Lending operations staff, including: Loan Originators, Underwriters, Processors

  • Appraisals: FIRREA and Interagency Guidelines

    Approach the appraisal process with impartiality, knowledge of requirements and standards, and effective evaluation techniques. This course covers:

    • Requirements for an effective appraisals and evaluations
    • FIRREA and Interagency Appraisal and Evaluation Guidelines
    • Requirements for reviews and evaluations
    • Requirements for monitoring collateral value
    • Transactions that may be exempt from obtaining an appraisal

    What You’ll Learn

    After successfully completing this course, you will be able to:

    • Describe the requirements for an effective real estate appraisal and evaluation program
    • Identify Financial Institutions Reform, Recovery, and Enforcement Act of 1989 (FIRREA) and Interagency Appraisal and Evaluation Guidelines
    • Describe the requirements for reviewing appraisals and evaluations
    • Describe the requirements for monitoring collateral value
    • Identify transactions that may be exempt from obtaining an appraisal

    Audience: Any bank personnel who order or review appraisals/evaluations. Loan officers, loan processors and bank employees who need a general understanding of the Interagency Appraisal and Evaluation Guidelines.

  • Appraisals: Reg Z Requirements

    Learn permitted and prohibited valuation-related activities, prohibition on conflicts of interest and additional valuation independence requirements, including the requirement of a physical visit and additional appraisals for flipped properties. This course covers:

    • Requirements for valuation independence
    • Additional requirements for higher-priced mortgage loans
    • Transactions that are exempt from the requirements related to written appraisals

    What You’ll Learn

    After successfully completing this course, you will be able to:

    • Describe requirements for valuation independence
    • Describe additional appraisal requirements for higher-priced mortgage loans
    • Identify transactions that are exempt from the requirements related to written appraisals

    Audience: Any bank personnel who order or review appraisals/evaluations. Loan officers, loan processors and bank employees who need a general understanding of the appraisal requirements under Regulation Z.

  • Asset Allocation and Diversification

    Describes the role of the investment policy statement in setting parameters for asset allocation decisions. Explores asset allocation concepts such as risk appetite and rebalancing. Explains the relationship between economic theory and asset allocation. Shows how to distinguish between positive and negative correlation in portfolio diversification. Describes investment styles and strategies that can be applied to equity portfolios and diversify fixed-income portfolios.

    What You’ll Learn

    After completing this course, students will be able to:

    • Describe asset allocation concepts and strategies
    • Describe diversification concepts and strategies

    Audience: Trust officers with at least three years of personal trust experience who need a deeper understanding of technical trust concepts and how solutions work when applied to client needs.

  • Auditing for TRID Compliance

    The TILA/RESPA Integrated Disclosures (TRID) – Loan Estimate (LE) and Closing Disclosure (CD) ? continue to present challenges for loan staff and auditors, but we now have the benefit of several years? experience to guide us. This session will provide a step-by-step guide to reviewing LEs and CDs for accuracy and timeliness, and will address common errors and not-so-common scenarios that we?ve encountered.

    Covered Topics
    -Checklist for policy and procedure
    -Sample audit questions
    -Procedures for testing the TRID loan estimate and closing disclosure
    -Reporting process
    -Common Errors

    Audience: Compliance Officers, Internal Auditors, Mortgage Lending Managers, and Mortgage Lending Staff will all benefit from this webinar.

  • Authentic Leadership

    Provides ways for leaders to improve authentic leadership traits that help them become effective influencers at multiple levels of an organization, with a focus on trustworthiness. Describes how to be an authentic leader by being genuine, ethical, self-aware, open with others and collaborative. Explains how leaders can cultivate the traits to encourage employee engagement and inspire individuals and teams to perform better, which collectively contributes to better organizational results.

    What You’ll Learn

    After successfully completing the course, you will be able to:

    • Identify the five traits of authentic leadership
    • Use the five C’s to develop authentic leadership traits

    Audience: Any employee responsible for motivating staff regardless of the specific reporting relationships. This could include managers, supervisors, coaches, team leaders, and mentors.

  • Automated Clearing House (ACH)

    Gain a basic understanding of ACH transactions. Learn about general requirements for Office of Foreign Assets compliance and ACH transactions, and see how this new SEC code will affect financial institutions.

    Audience: n/a

  • Bank Bribery Act

    Provides the tools needed to appropriately handle money, personal information, and trust, and explores how to comply with the Bank Bribery Act in order to prevent corrupt activities within financial institutions.

    What You’ll Learn

    After completing this course, students will be able to:

    • Explain the background and purpose of the Bank Bribery Act
    • Describe the importance of the code of conduct in relation to the prohibition against bribery
    • Describe the general prohibitions of the Bank Bribery Act
    • Describe exceptions to the general prohibitions
    • Explain the disclosure and reporting requirements

    Audience: Employees at all levels.

  • Bank Broker/Dealer Exemptions - Regulation R

    Given its many complexities and levels of conditional requirements, comprehending Regulation R can be a daunting task. Get savvy about its four primary provisions, as well as some of the additional exceptions available to banks under the rule, and learn whatƒ??s next for regulatory agencies and banks.

    Audience: n/a

  • Bank Director Training

    Free for ABA Members

    Much is expected today of bank boards, which provide both strategic direction and oversight of critical functions. This suite of 15 videos presents need-to-know fundamentals about bank board responsibilities, strategies and best practices for diversifying the members and the importance of recruiting women to join. Additional topics from oversight of compliance management and controls; compliance with BSA/AML/OFAC, Reg O and fair lending regulations; and digital trends in cybersecurity, blockchain and payments are available.

    Courses

    Audience: For members of a bank's board of directors.

  • Bank Lines of Business

    Bank Lines of Business is a comprehensive review of the products and services that banks offer customers—from deposit products to insurance and investments—and strategies for retaining and growing market share. This program deepens and broadens your bank employees understanding of how banks serve individual, small business and corporate customers’ financial service needs. (4 weeks)

    Bank Lines of Business is one of three Banking Fundamentals courses that explore the principles of the banking industry. Enroll in one, two or all three to meet your needs.

    Learning Objectives

    • Discuss account ownership
    • Identify the products and services banks offer to consumers and businesses
    • Explain the check payment process
    • Discuss electronic banking and the electronic funds transfer system
    • Explain banking laws and regulations as they relate to lines of business

    Audience: Designed for anyone who needs an introduction to banking—whether just starting a career or new to the banking industry.

  • Bank Lines of Business

    Bank Lines of Business is a comprehensive review of the products and services that banks offer customers—from deposit products to insurance and investments—and strategies for retaining and growing market share. This program deepens and broadens your bank employees understanding of how banks serve individual, small business and corporate customers’ financial service needs. (4 weeks)

    Bank Lines of Business is one of three Banking Fundamentals courses that explore the principles of the banking industry. Enroll in one, two or all three to meet your needs.

    Learning Objectives

    • Discuss account ownership
    • Identify the products and services banks offer to consumers and businesses
    • Explain the check payment process
    • Discuss electronic banking and the electronic funds transfer system
    • Explain banking laws and regulations as they relate to lines of business

    Audience: Designed for anyone who needs an introduction to banking—whether just starting a career or new to the banking industry.

  • Bank Lines of Business

    Bank Lines of Business is a comprehensive review of the products and services that banks offer customers—from deposit products to insurance and investments—and strategies for retaining and growing market share. This program deepens and broadens your bank employees understanding of how banks serve individual, small business and corporate customers’ financial service needs. (4 weeks)

    Bank Lines of Business is one of three Banking Fundamentals courses that explore the principles of the banking industry. Enroll in one, two or all three to meet your needs.

    Learning Objectives

    • Discuss account ownership
    • Identify the products and services banks offer to consumers and businesses
    • Explain the check payment process
    • Discuss electronic banking and the electronic funds transfer system
    • Explain banking laws and regulations as they relate to lines of business

    Audience: Designed for anyone who needs an introduction to banking—whether just starting a career or new to the banking industry.

  • Bank Lines of Business

    Bank Lines of Business is a comprehensive review of the products and services that banks offer customers—from deposit products to insurance and investments—and strategies for retaining and growing market share. This program deepens and broadens your bank employees understanding of how banks serve individual, small business and corporate customers’ financial service needs. (4 weeks)

    Bank Lines of Business is one of three Banking Fundamentals courses that explore the principles of the banking industry. Enroll in one, two or all three to meet your needs.

    Learning Objectives

    • Discuss account ownership
    • Identify the products and services banks offer to consumers and businesses
    • Explain the check payment process
    • Discuss electronic banking and the electronic funds transfer system
    • Explain banking laws and regulations as they relate to lines of business

    Audience: Designed for anyone who needs an introduction to banking—whether just starting a career or new to the banking industry.

  • Bank Management

    Students will need a SCIENTIFIC CALCULATOR to take this course, as there are many formulas presented in the material.

    The Bank Management course explores the services that banks and their principal competitors (including savings and loans, credit unions, security and investment firms) offer in an increasingly competitive financial-services marketplace.  Bank Management discusses the major changes and events that are remaking banking and financial services today. Among the key events and unfolding trends covered in the text are: Newest Reforms in the Financial System, including the new Dodd-Frank Financial Reform Law and the Credit Card Accountability, Responsibility, and Disclosure (CARD) Act of 2009. Global Financial Sector coverage of the causes and impact of the latest “great recession.” Systemic Risk and the presentation of the challenges posed in the financial system.

    Exploration of changing views on the “too big to fail” (TBTF) doctrine and how regulators may be forced to deal with TBTF in the future. Controlling Risk Exposure presentation of methods in an increasingly volatile economy.

    Audience: Financial Service Managers or personnel pursuing a position in management

  • Bank Marketing: Building Customer Relationships

    Guides you through attracting customers and building strong relationships through marketing. Explore current methodologies. Craft a market-driven strategy for product development.

    What You’ll Learn

    After successfully completing the course, you will be able to:

    • Explain how marketing helps to build customer relationships
    • Describe the components of a market-driven strategy
    • Outline the components of effective product development
    • Explain the laws governing marketing by phone, fax, email, the Internet, and mobile devices

    Audience: For Onboarding. Anyone who needs an introduction to banking, whether just starting a career in the industry or a more experienced professional from a different industry, including specialists in non-banking functions such as marketing, information systems, and human resources.

  • Bank Payment Systems and Technology

    Guides you through bank payment systems. Take a deep dive into the check payment process. Explore innovations enabled by electronic banking and the electronic funds transfer system.

    What You’ll Learn

    After successfully completing the course, you will be able to:

    • Describe the use of cash in payments and its care and distribution
    • Explain the check payment process and the various types of bank checks
    • Outline developments in electronic processing and payment transfers
    • Identify banking laws and regulations related to payment processes and electronic funds transfer

    Audience: For Onboarding. Anyone who needs an introduction to banking, whether just starting a career in the industry or a more experienced professional from a different industry, including specialists in non-banking functions such as marketing, information systems, and human resources.

  • Bank Protection Act

    Explains how the Bank Protection Act influences the procedures used to preserve evidence of criminal behavior or suspected criminal behavior. Describes the devices/equipment that must be in place to assist law enforcement officials in the apprehension of individuals who perpetrate crimes against the financial institution.

    What You’ll Learn

    After completing this course, students will be able to:

    • Explain the purpose and background of the Bank Protection Act
    • Describe the tools and procedures used to identify persons committing crimes against the bank
    • Describe the security measures required by the Bank Protection Act

    Audience: Employees at all levels.

  • Bank Sales and Service: Expanding Customer Relationships

    Guides you through strategies for earning customer loyalty. Create and maintain strong bank customer and partner relationships. Meet customers’ expectations by understanding their needs and decision processes. Be better prepared to offer value-add products and services.

    What You’ll Learn

    After successfully completing the course, you will be able to:

    • Describe the customer purchasing and decision process
    • Understand what customers expect from bankers
    • Match products and services to meet customer needs

    Audience: For Onboarding. Anyone who needs an introduction to banking, whether just starting a career in the industry or a more experienced professional from a different industry, including specialists in non-banking functions such as marketing, information systems, and human resources.

  • Bank Secrecy Act (BSA)

    This course provides a working knowledge of the Bank Secrecy Act (BSA). It covers various currency-reporting requirements. The course also reviews the importance of knowing customers, and properly verifying their identities, in order to detect and report suspicious activity. The purpose of the BSA is to help combat money laundering and other illegal financial activity.

    Course Objectives
    – Recognize the underlying purpose and key terms of the Bank Secrecy Act.
    – Verify the identity of customers as required by Customer Identification Program (CIP) requirements.
    – Identify reportable currency transactions.
    – Recognize information needed to properly complete a Currency Transaction Report (CTR).
    – Identify wire-transfer reporting requirements.
    – Identify some common money laundering schemes.
    – Spot suspicious transactions and take appropriate action.

    Audience: tellers, customer service representatives, personal bankers, new account personnel, managers, and anyone who handles cash.

  • Banking Basics Suite

    This suite of 12 courses is a comprehensive introduction to the banking industry. Ideal for those new to banking, completing this suite provides a deeper understanding of the changing world of financial services and the vital role that banks play in the economy. Concise, impactful lessons can be applied on the job immediately.

    Courses

    Audience: For Onboarding. Anyone who needs an introduction to banking, whether just starting a career in the industry or a more experienced professional from a different industry, including specialists in non-banking functions such as marketing, information systems, and human resources.

  • Banking Fundamentals Suite

    Banking Fundamentals includes three 4-week courses that combine the principles of the banking industry with real-world application. Ideal for new bankers, or bankers seeking to gain an understanding of the changing world of financial services. It is an online, paperless, series of courses that combines peer collaboration with instructor guidance.

    Included Courses

    What You’ll Learn

    • The role of banks in the U.S. economy
    • Meeting the changing needs of customers
    • Bank products and services, including electronic banking
    • Building customer relationships
    • Major banking laws and regulations

    Course Benefits

    • Share with peers 
    • Get instructor Feedback
    • See your weekly Progress
    • Access from any device
    • 2-3 hours per week

    Audience: Ideal for emerging bankers, or bankers seeking to gain an understanding of the changing world of financial services.

  • Banking Law and Referrals

    Explains the Interagency Consumer Protections in Sales of Insurance (ICP) rules on retail sales, solicitation, advertising, insurance products or annuities to consumers. Describes Regulation R that provides a framework for banks to refer customers to satisfy their banking demands. Describes the Loan Originator Compensation rules under Regulation Z that address limited circumstances under which a bank employee who is not a loan originator may make a referral.

    What You’ll Learn

    After completing this course, students will be able to:

    • Explain the purpose of the Interagency Policy Statement and when it applies.
    • Explain the Interagency Consumer Protections (ICP) rules impacting the referrals of customers for non-FDIC insured products.
    • Describe Regulation R exemptions that allow banks to pay bankers for referring customers.
    • Describe Regulation Z Loan Originator Compensation rules that specify the actions that only apply to loan originators.

    Audience: Any bank personnel who make mortgage, investment, or insurance referrals to mortgage loan originators, or securities and/or insurance licensed persons or entities.

  • Banks and Personal Wealth Management

    Guides you through managing customers’ personal financial assets. See the active role banks play in their communities by growing assets. Explore the services banks may offer for financial planning and wealth management. Discover trust and investment products and services that meet many financial needs.

    What You’ll Learn

    After successfully completing the course, you will be able to:

    • Explain financial planning tools and process
    • Describe insurance and investment products that banks offer
    • Define retirement planning considerations and products
    • Explain the laws, regulations, and expectations for banks and bankers engaged in providing investment, insurance, and trust services

    Audience: For Onboarding. Anyone who needs an introduction to banking, whether just starting a career in the industry or a more experienced professional from a different industry, including specialists in non-banking functions such as marketing, information systems, and human resources.

  • Banks and the Deposit Function

    Guides you through a primary function of banks – the deposit function. Learn the various deposit account types and deposit-related services. Understand the processes for servicing consumer and business deposit accounts. Identify key regulations that govern deposit products and services.

    What You’ll Learn

    After successfully completing the course, you will be able to:

    • Explain how the Federal Reserve determines and applies monetary policy in the economy
    • Describe the types of account ownership
    • List the requirements for opening deposit accounts
    • Understand electronic banking for consumers and businesses
    • Describe federal deposit insurance coverage

    Audience: For Onboarding. Anyone who needs an introduction to banking, whether just starting a career in the industry or a more experienced professional from a different industry, including specialists in non-banking functions such as marketing, information systems, and human resources.

  • Banks and the Economy

    Guides you through the role of banks in the U.S. economy and the environment in which banks operate and compete. Discover who the various bank regulatory agencies are and the key banking laws and regulations you need to know. Explore future industry trends.

    What You’ll Learn

    After successfully completing the course, you will be able to:

    • Describe major bank competitors
    • Identify bank regulators and major banking laws and regulations
    • Discuss the evolution of the U.S, banking system and its role in the U.S. economy
    • Describe the Federal Reserve monetary policy in the economy
    • Identify future trends in banking

    Audience: For Onboarding. Anyone who needs an introduction to banking, whether just starting a career in the industry or a more experienced professional from a different industry, including specialists in non-banking functions such as marketing, information systems, and human resources.

  • Banks as a Business

    Guides you through the business of banking. Master the essentials of bank organizational structures and bank financial management, including bank assets, liabilities, income, and expenses. Learn how banks meet their financial goals.

    What You’ll Learn

    After successfully completing the course, you will be able to:

    • Describe a bank’s organizational structure
    • Explain how banks manage assets and liabilities to achieve objectives
    • Identify primary sources of bank income and expenses
    • Describe how banks maximize loan and investment returns and fee income
    • Examine typical performance measures in banking and how they are used in budgeting to achieve bank objectives.

    Audience: For Onboarding. Anyone who needs an introduction to banking, whether just starting a career in the industry or a more experienced professional from a different industry, including specialists in non-banking functions such as marketing, information systems, and human resources.

  • Basic Administrative Duties of a Trustee

    Basic Administrative Duties of a Trustee is one of two courses devoted to the basic skills and knowledge for understanding subject matter important to a trust professional.

    Learning Objectives

    This course develops knowledge pertaining to:

    • Wills and the probate process
    • The groundwork of personal trusts
    • The personal trust document
    • Basic trust administration

    Audience: Those employees who have recently joined the trust department in support positions, non-trust personnel within the bank who work with trust officers and trust clients, as well as employees of service providers to trust companies who want to develop a better understanding of their clients' business needs.

  • Basic Administrative Duties of a Trustee

    Basic Administrative Duties of a Trustee is one of two courses devoted to the basic skills and knowledge for understanding subject matter important to a trust professional.

    Learning Objectives

    This course develops knowledge pertaining to:

    • Wills and the probate process
    • The groundwork of personal trusts
    • The personal trust document
    • Basic trust administration

    Audience: Those employees who have recently joined the trust department in support positions, non-trust personnel within the bank who work with trust officers and trust clients, as well as employees of service providers to trust companies who want to develop a better understanding of their clients' business needs.

  • Basic Characteristics of a Trust

    Describes the steps that a client takes to create a trust and the value and protective nature of a trust. Explains the basic categories that trusts fall into, and details the different attributes that trusts have to answer client questions and match the needs of clients to a particular type of trust. 

    What You’ll Learn

    After completing this course, students will be able to:

    • Explain the main features and benefits of trusts to clients
    • Describe the trust creation process
    • Describe the different types of trusts

    Audience: Trust officers with at least three years of personal trust experience who need a deeper understanding of technical trust concepts and how solutions work when applied to client needs.

  • Basic Loan Underwriting

    Loan underwriting is a detailed and complex process that can be daunting to a beginning or entry level loan officer/underwriter.

    To ensure that loan underwriting is consistently applied, Credit Unions need to ensure the adequacy and consistency of the training and monitoring of beginner/entry level loan officers/underwriters.

    “Basic Loan Underwriting? is designed to present key discussion areas that will assist with the consideration, development and design of tools and methodologies to assist beginning/entry level loan underwriters with understanding the concepts and knowledge needed to underwrite and decision loans and other forms of credit.

    What is your Credit Union doing to ensure that beginner/entry level loan officers/underwriters fully understand the concepts of how to underwrite/decision an application for credit?

    Covered Topics:
    -Rules and regulations affecting the granting of credit
    -Understanding the basic principles of lending including the ?5 C?s of Credit?
    -The importance of adequate documentation of factors affecting the loan decision
    -Communication with applicants/borrowers including the communication of requests for information, loan approvals, counter-offers and loan denials
    -Understanding the importance of a credit report and what a credit report is used for including the borrower?s credit score, borrowing habits, credit history, the impact of negative credit tradelines, other credit report factors and how these affect a loan decision
    -Understanding loan applications and loan application ?red-flags?
    -Loan interviewing skills
    -The information and criteria necessary needed to make a loan decision
    -And more??

    Audience: CEO?s, Lending Management, Supervisory Committee Members, Members of Boards of Directors and Lending Personnel will all benefit from attending this webinar.

  • Basics of Mortgage Processing

    The role of loan processors in the overall mortgage loan process, and strategies on how best to communicate with them are covered in this course. It also focuses on the importance of the Uniform Residential Loan Application (URLA) as a central and vital document.

    FREE companion course, Pre-Information on TILA-RESPA for AllRegs Mortgage Courses provides a brief fact sheet: “TILA-RESPA Integrated Disclosure: What Does It Mean For You.” Add this course to your shopping cart during the purchase process.

    Produced by Ellie Mae/AllRegs

    What You’ll Learn

    After completing this course, students will be able to:

    • Identify the steps in the mortgage loan process
    • Recognize the roles of key people in the loan process
    • Distinguish various job descriptions and best practices for processors
    • Complete the Uniform Residential Loan Application
    • Recognize the importance of communication

    Audience: Course is designed for anyone who works in the mortgage industry seeking to learn or enhance their existing knowledge of the mortgage loan process and loan processors. It is geared primarily for loan processors but contains crucial information on the mortgage loan process that will prove beneficial for anyone new to the mortgage industry.

  • Beginning Collection Techniques

    For any financial institution/Credit Union that grants loans, credit cards or any other form of credit, there is always the possibility that a loan or credit card may become delinquent and potentially result in a loss. To counter and reduce the potential for credit delinquency and loss, financial institutions employ a dedicated program of collecting through the utilization of a collections function/department. The employees of the collection department generally include one or more personnel including personnel who actively collect delinquent and other negative condition accounts often, but not always, referred to as collectors or collection officers.

    Due to the Rules and Regulations that apply to the collection of delinquent loans/accounts and the dramatic impact the collection effort can have on the income/loss of a financial institution, collection personnel ? especially collectors/collection officers ? must be highly skilled and highly trained. This webinar will discuss the knowledge, skills, tools, and techniques needed for beginning collectors/officers.

    Covered Topics:
    -The primary purpose of a collection function/department
    -Understanding delinquent debtors and the causes for debt payment failure
    -Key criteria that makes an effective collector
    -Basic techniques for contacting and talking to delinquent borrowers
    -Basic tools and techniques for collectors that increase the beginning collector?s chance to succeed
    -Regulations that affect collections
    -Documenting collection efforts
    -Discussion of repossession and loan charge-off
    -And more?

    Audience: CEO?s, Lending Management, Supervisory Committee Members, Members of Boards of Directors, Collection Management and Collection Personnel will benefit from attending this webinar.

  • Best Practices for Managing Remote Employees

    Learn common practices to help you support employees’ quality of life and productivity, as well as managerial and communication strategies related to feedback, flexible schedules and overall remote work success.

    What You’ll Learn

    After completing this course, students will be able to:

    • Identify challenges and benefits of flexible work options
    • Define how flexible schedules are best supported
    • Establish clear expectations and encourage feedback
    • Expand communication methods and skills
    • Explore solutions to support teleworker success
    • Apply strategies for managers who telework
    • Recognize common problems with telework

    Audience: All managers responsible for making remote work arrangements with their staff.

  • Best-Ever Compliance Checklist for Consumer Loans

    For several years Anne Lolley has shared her popular compliance checklists. In this webinar, Anne will offer her latest checklists (one for each type of loan) to credit unions. These colorful and easy-to-use checklists are designed to chronologically lead lenders and processors through the various compliance requirements on consumer loans. Credit unions will appreciate this organized approach to compliance and virtually eliminate compliance errors.

    Covered Topics
    -Truth in Lending (Right of Rescission, HOEPA, HPMLs, ARMs, TRID requirements)
    -RESPA
    -HMDA
    -Reg B (appraisal copies, joint credit, adverse action)
    -Flood insurance
    -Appraisals and evaluations
    -FACTA credit score disclosures
    -Insurance disclosures
    -And more!
    Registrants will receive an explanatory booklet (keyed to the checklists), and upon request, Anne will e-mail the individual checklists, enabling users to easily save the documents to their word processors or networks.

    Audience: Lenders, loan processors, compliance officers and loan review personnel will all benefit from this webinar and Anne's checklists.

  • Beyond the Welcome: New Director Onboarding

    Free for ABA Members

    You’ve joined the board of directors. What happens next? It’s in every bank’s best interest to equip directors to be as effective as possible as quickly as possible. This video for new bank directors digs into some of the fundamental concepts of corporate governance and explains in broad terms the qualifications to be an effective director, setting the stage for each bank’s specific director training. Viewers will learn about key concepts such as serving as a credible challenge to management and finding the best ways to make their voices heard.

    What You’ll Learn

    • Explore best practices to prepare new board directors to effectively serve in their roles
    • Describe different approaches to train new board directors during onboarding

    Audience: For members of a bank's board of directors

  • Board and Senior Management Oversight

    Describes board of director’s self-assessment, role in establishing a risk strategy, setting the tone for an effective risk culture, and process for establishing, documenting and maintaining the risk appetite. Explains the elements of a board committee charter, and covers guidelines and principles to keep in mind for reporting key risks.

    What You’ll Learn

    After successfully completing this course, you will be able to:

    • Describe the roles of the board and senior management in oversight of the risk management program
    • Identify the key elements of a bank’s risk framework
    • Describe how an effective organization governance structure supports oversight
    • Explain the elements of relevant, timely and accurate reporting to the board and senior management

    Audience: Risk management and control professionals in the first, second or third line functions with primary responsibilities including risk assessment, risk testing, measurement and monitoring, risk reporting, audit, or governance across credit risk, financial and/or non-financial risk categories. Directors, members of senior management, State/Federal bank examiners, external risk consultants or auditors.

  • Board Oversight: BSA/AML/OFAC

    Free for ABA Members

    Explores a bank board’s key responsibility for overseeing the creation and maintenance of a culture of compliance with Bank Secrecy Act/anti-money laundering rules and the Office of Foreign Assets Control trade sanctions. This includes reviewing risk assessment findings, information systems and the resources devoted to compliance, as well as the bank’s BSA/AML/OFAC policies and programs.

    What You’ll Learn

    After successfully completing the course, you will be able to:

    • Describe the unique roles of BSA/AML and OFAC rules in ensuring safety and security
    • Explain the BSA responsibilities assigned to the board of directors
    • Explore the five components of a strong BSA/AML program

    Audience: For members of a bank's board of directors.

  • Board Oversight: Compliance Control Activities

    Free for ABA Members

    Explores a bank board’s key responsibility for oversight of the risk management process by ensuring risk management policies and procedures are consistent with the institution’s strategy and risk appetite. This includes setting and maintaining a bank’s risk tolerance and ensuring that a bank’s senior executives and risk managers have established compliance control activities, including prevention and detection.

    What You’ll Learn

    After successfully completing the course, you will be able to:

    • Describe the importance of a compliance function that proactively identifies the risks associated with a bank’s business activities
    • Define prevention and detection activities that ensure compliance directives are carried out
    • Explain the components of a risk-based monitoring program

    Audience: For members of a bank's board of directors.

  • Board Oversight: Compliance Management

    Free for ABA Members

    Explores a bank board’s key responsibility for oversight of a bank’s compliance risk management program. This includes establishing and communicating a bank’s appetite for compliance risk, providing resources and support to effectively implement the compliance program, and reviewing the outcomes of the program and responding to elevated risk issues.

    What You’ll Learn
    After successfully completing the course, you will be able to:

    • Explain the compliance risk management responsibilities assigned to the compliance officer
    • Explain the compliance management oversight responsibilities assigned to the board of directors
    • Explore the board’s ongoing risk monitoring process to keep up with changing bank activities

    Audience: For members of a bank's board of directors.

  • Board Oversight: Effective Compliance Management System (CMS)

    Free for ABA Members

    Describes the importance of a Compliance Management System (CMS) as a comprehensive and integrated program that operationalizes compliance to include the management of risk associated with day to day operations, changes in product and service offerings, and new and changing legislation. Explores ways that the board of directors should implement a sound and effective CMS that ensures compliance with federal consumer protection laws and regulations.

    What You’ll Learn

    • Describe the board and management oversight of compliance, change management, and risk management through a commitment of a strong CMS
    • Explore the components of a compliance program to include policies and procedures, training, monitoring and audit, and a consumer complaint process

    Audience: For members of a bank's board of directors

  • Board Oversight: Fair Lending

    Free for ABA Members

    Explores a bank board’s key responsibility for overseeing and supporting a bank’s ability to meet the needs of its entire community. This includes oversight of bank policies and procedures to ensure it does not illegally discriminate, directly or indirectly, against existing or potential customers under fair lending laws.

    What You’ll Learn
    After successfully completing the course, you will be able to:

    • Describe the fair lending laws and their purposes
    • Define overt discrimination, disparate treatment, and disparate impact
    • Explain the responsibilities assigned to the board of directors under fair lending laws
    • Describe the consequences of not complying with fair lending laws

    Audience: For members of a bank's board of directors.

  • Board Oversight: Insiders and Regulation O

    Free for ABA Members

    Explores a bank board’s key oversight responsibility related to managing the abuse of insider information and ensuring there are policies and procedures in place to address such risks. This includes recognizing that regulatory agencies place a heavy emphasis on compliance with Regulation O, having found that insider dealings are the most common cause of institution failure in times of economic stress.

    What You’ll Learn
    After successfully completing the course, you will be able to:

    • Describe the types of insiders who are covered under Reg O
    • Explore the specific activities that are prohibited and permitted under Reg O
    • Explain recordkeeping and reporting requirements and expectations

    Audience: For members of a bank's board of directors.

  • Board Oversight: Post Compliance Exam Activities

    Free for ABA Members

    Explores a bank board’s key responsibility for reviewing the findings from a compliance examination, as delivered in the Report of Examination. This includes ensuring that a bank examines, summarizes, and explains report findings to the board in a timely manner.

    What You’ll Learn

    After successfully completing the course, you will be able to:

    • Describe the categories of compliance exam issues that are used to address exam findings
    • Explain how the action plan is used to list exam deficiencies and how they will be fixed
    • Explain the process of having a compliance exam debrief and discussion on regulator expectations

    Audience: For members of a bank's board of directors.

  • Board Oversight: Preparing for the Compliance Exam

    Free for ABA Members

    Explores a bank board’s key responsibility for overseeing the bank’s management of compliance risk and monitoring the effectiveness of its compliance function. This includes preparing for any examination by bank regulators, reviewing communication from the compliance officer, and responding to the examination report findings. 

    What You’ll Learn

    After successfully completing the course, you will be able to:

    • Explain the types of compliance examinations a bank must undergo regularly to determine the scope of bank risk
    • Explore the steps the board should take to prepare for the compliance exam
    • Explore the steps the bank should take to plan for and manage the compliance exam

    Audience: For members of a bank's board of directors.

  • Body Language Basics – Part 1

    This series of four videos introduces the foundation of reading and using body language to your benefit.  You’ll quickly learn how to communicate better by learning about nonverbal communication skills like gestures, facial expressions, differences between male and female body language and the meaning of the nonverbal signals you might not know you’re sending.

    Series Includes:

    Audience: All audiences, including Customer Service Representatives, Managers, Lenders, Sales-Oriented Positions, Retail Banking Officers, Branch Managers, Administration Officers

  • Body Language Basics – Part 1 & 2

    We are constantly communicating, even when we are not speaking. Unspoken communication makes up over half of what we tell others, and what they tell us. It affects our work and personal relationships. The ability to interpret body language is a skill that will enhance anyone’s career and life. Over the course of two micro-learning video series, retail banking expert Tonya Gossage will teach you the basics of body language that will help you communicate better in unexpected ways.

    Series Includes:

    Audience: All audiences, including Customer Service Representatives, Managers, Lenders, Sales-Oriented Positions, Retail Banking Officers, Branch Managers, Administration Officers

  • Body Language Basics – Part 2

    The final series of four videos delves deeper into specific scenarios that can influence body language, and teaches you specific ways to use the fundamental body language lessons you learned in the first series.

    Series includes:

    Audience: All audiences, including Customer Service Representatives, Managers, Lenders, Sales-Oriented Positions, Retail Banking Officers, Branch Managers, Administration Officers

  • Body Language in Business

    Learn the four tactics to help you gain an advantage, and adjust your body language to different professional situations. Learn how to identify the needs, thoughts and feelings of those you do business with every day.

    Part of the Body Language Basics series, presented by Tonya Gossage

    What You’ll Learn

    • Use four specific tactics to improve your body language in professional and business settings
    • Adjust your body language to different situations as you identify the needs, thoughts and feelings of those you do business with every day

    Audience: All audiences, including Customer Service Representatives, Managers, Lenders, Sales-Oriented Positions, Retail Banking Officers, Branch Managers, Administration Officers

  • Body Language Mistakes & Gender Differences

    This video covers four nonverbal factors that could make or break your communication if you are unaware of them. Did you know body language is often confused between genders? Learn how to prevent miscommunications by understanding common signals, as well as the different ways men and women use body language.

    Part of the Body Language Basics series, presented by Tonya Gossage

    What You’ll Learn

    • Understand four specific body language mistakes
    • Recognize the common nonverbal signals that men and women communicate with their body language, and the differences between them

    Audience: All audiences, including Customer Service Representatives, Managers, Lenders, Sales-Oriented Positions, Retail Banking Officers, Branch Managers, Administration Officers

  • Bond Selection and Analysis

    Explains key features of bonds. Explores the different ways to look at bond yields that help explain a bond’s value to clients, and the importance of having working knowledge of duration as the most important measure of bond risk. Discusses investment strategy decisions that help clients to select investment options that meet their needs.

    What You’ll Learn

    After completing this course, students will be able to:

    • Identify the features of bonds
    • Describe the different types of yield associated with bonds
    • Describe the importance of duration in bond selection
    • Describe strategies for selecting bonds

    Audience: Trust officers with at least three years of personal trust experience who need a deeper understanding of technical trust concepts and how solutions work when applied to client needs.

  • Branch Manager Best Practices

    Excellence at the branch!

    How do you excel at leading while fulfilling your responsibilities as a branch manager? It?s a challenge, and this program is aimed at helping you meet it!

    Often referred to as the Pygmalion effect, the way managers treat their associates is subtly influenced by what they expect of them. What should you expect? How do you treat them? When expectations are high and accompanied by expert guidance, motivation, accountability, and training the branch will perform accordingly. Come learn how to build a team that works together for the common good. Hear how to coach and motivate your team to be committed to success.

    Action-Packed and Solution-Focused!

    Branch locations are some of your most important distribution channels. The smooth and consistent operation of your branch is critical to maintaining and attracting business. Increasing competition dictates that you must be member-driven while providing superior service that promotes loyalty, and, at the same time selling the member on expanding the relationship. Now as if that’s not enough — you must learn to manage increased demand with as few staff people as possible. Boost your expertise and your enthusiasm in this full speed ahead, highly motivating webinar by one of the country’s leading presenters.

    Covered Topics
    -Lead the way through coaching
    -Collaborate on a performance plan
    -Motivation ? who needs some?
    -Member service that sizzles
    -Conducting difficult conversations
    -What to do with the underperformer
    -Managing your time, teaching them to manage theirs
    -What is your plan to manage an exceptional branch?
    -Executing the plan
    -Managing resistance
    -Where do I find the time to coach with my staff?

    The same place you find time to attend required meetings, go out and make sales calls and reserve time for an occasional dental appointment. You will have to make it happen. Not easy but the most worthwhile discipline you can acquire. Go for first thing in the morning. Dedicate four days a month that you set aside X amount of time first thing – maybe 7:45 AM to 9 AM those four days a month are coaching time. Make it a priority and it will happen. Do this for three months and see how it works for you.

    I have never had a Branch Business Plan, is it a complicated effort, how do I create one?

    This program will provide you the template and the how to. You will find you can be much more productive and focused with targets and a plan. It will become your roadmap to growing and managing your branch successfully. It?s not complicated, but it is an in-depth look at where you are now, where you want to be and what strategies you want to put in place to get your there. Much like a budget, you will want to look at it at least every month to monitor progress.

    Audience: Branch managers, assistant branch managers and those that train and/or lead them.

  • Bronze Level Webinar Subscription

    Benefits:

    -5 credits
    -10% Savings
    -Shareable for your entire institution
    -Simplify your budgeting process
    -Lower rate than purchasing individual
    webinars
    -Ability to choose Live, OnDemand, or
    CD Registrations
    -WSP Credits do not expire
    -Over 300 Webinars to choose from each
    year

    Credit Structure:

    Live Participation or OnDemand: 1 Credit
    CD-ROM and Handouts: 1.25 Credits
    Live PLUS OnDemand: 1.25 Credits
    Premier Package: 1.5 Credits

    Audience:

  • BSA 101 - Introduction to the Bank Secrecy Act for New BSA Compliance Officers

    Compliance with the Bank Secrecy Act continues to be a supervisory priority so it?s important for new BSA Compliance Officers to have a good grasp of the requirements and, more importantly, where to get answers to questions that may arise. This session will provide new BSA Compliance Officers with information on the laws and rules, as well as guidance on resources that can help make their jobs easier.

    Topics Will Include:
    -Overview of Bank Secrecy Act and other Anti-Money Laundering Rules
    -Components of a strong BSA programs
    -Using technology to help with BSA compliance
    -Resources all BSA Compliance Officers need to know about

    Audience: New BSA Compliance Officers, Chief Compliance Officers, Compliance, Legal, Risk Management Staff, Operations Staff, CEOs

  • BSA Emerging Issues 2019

    During this program we will take a look at the 2019 issues for BSA. High risk members, using the new SAR, developing good new account practices for risk. From Risk Assessments to CTRs, this webinar will cover the BSA key components that are emerging as issues this year. We will look at new areas of crime and current advisories.

    What You Will Learn
    -Risk assessments
    -Know Your Member
    -Developing Enhanced Due Diligence
    -Working with the new SAR
    -New Emerging crimes
    -CTR common errors
    -Exam Hot Spots and so much more
    -OFAC

    Audience: Management, BSA Officers, Compliance and Training Staff will all benefit from attending this webinar.

  • BSA for Customer Service Representatives

    If you are a customer service representative, or you manage a team of customer service representatives,
    then you need to know BSA-compliant ways to obtain customer identification, report transactions
    and retain records.

    Audience: n/a

  • BSA for Lenders

    Loan officers have a unique role in upholding the BSA. Gain a better understanding of key legislation that helps the U.S. combat money laundering and other illegal financial activity. Note: This course takes the position that loan officers do not accept payments on accounts. Instead, loan officers primarily review loan applications and accompanying documentation, open loan accounts, answer questions from loan applicants and borrowers, and compile customer identification information.

    Audience: n/a

  • BSA for Operations

    Because of their broader access to account records, operations employees have the opportunity to detect certain types of fraud that other employees might not be able to uncover. Learn specific BSA-detection best practices operations personnel should employ when accessing customersƒ?? account records.

    Audience: n/a

  • BSA Year End Round Up

    Audience:

  • BSA/AML Trust

    As a trust department employee, it is essential that you manage the BSA/AML risk of your accounts and protect your accounts from criminal activity. Explore the source of BSA/AML risk, find out about programs and government agencies in place to assist in managing this risk, and learn what the penalties are for violating these laws.

    Audience: n/a

  • BSA/AML: Beneficial Ownership and Customer Due Diligence

    Provides information on FinCEN’s CDD Rule that amends existing BSA regulations, and requirements to identify and verify the identity of beneficial owners of legal entity customers, subject to certain exclusions and exemptions. Describes the fifth pillar requirements under the CDD Rule and the four core elements of customer due diligence.

    What You’ll Learn

    After completing this course, students will be able to:

    • Explain the application of the beneficial ownership rules
    • Identify legal entity customers and describe the two prongs used to determine beneficial ownership
    • Explain how the CDD Rule expands and strengthens current CDD requirements

    Audience: All frontline and customer facing staff who open accounts for legal-entity customers as well as bank staff responsible for ongoing due diligence on all bank customers.

  • BSA/AML: CIP Advanced

    Explains the additional CIP steps to take at account opening to identify customers and confirm that their activities and funds are legitimate. Describes the documentation and enhanced due diligence the bank may require for non-U.S. persons, and risks to the bank when offering services to higher risk entities.

    What You’ll Learn

    After completing this course, students will be able to:

    • Describe the advanced procedures to take to identify customers who are not individuals and their banking practices
    • Identify the types of identification and verification needed when opening accounts for the following entities:
      • Business accounts
      • Non-U.S. persons
      • Non-Bank Financial Institutions (NBFIs) and Money Service Businesses (MSBs)
      • Private banking and politically exposed persons (PEPs)
      • Foreign correspondent accounts
    • Explain how existing CIP requirements apply to prepaid cards

    Audience: Any bank staff establishing relationships with business customers, private bankers, and commercial lenders.

  • BSA/AML: CIP Basics

    Describes the two-step process to obtain types of identifying information from customers, and risk-based procedures to verify information. Explains the procedures to maintain records of the information used to verify identifying information. Explores different ways to disclose the CIP notice at account opening.

    What You’ll Learn

    • Identify what constitutes an account and a customer under the CIP rule
    • Examine the actions to be taken in the two-step process of obtaining identifying information and verifying the identity of the customer
    • Identify the procedures for maintaining records of the information used to verify a person’s name
    • Adhere to established controls and review procedures for reliance on other parties
    • Identify methods for handling the CIP notice at account opening

    Audience: Any bank staff who establish customer relationships.

  • BSA/AML: Communicating with Customers about CTRs

    Teaches how to explain to customers that the bank is required by law to collect and retain certain records, or make particular reports. Explains how the FinCEN’s educational pamphlet, “Notice to Customers: A CTR Reference Guide” can be used as a resource to help address questions frequently asked by customers. 

    What You’ll Learn

    After completing this course, students will be able to:

    • Answer basic customer questions about the procedures related to Currency Transaction Reporting
    • Describe the purpose of FinCEN’s educational pamphlet, “Notice to Customers: A CTR Reference Guide”

    Audience: Employees who are responsible for completing Currency Transaction Reports.

  • BSA/AML: Completing the CTR

    Explains the need for and parameters of CTR filing as well as the key aspects of completing electronically filed CTRs, and CTRs for armored car deliveries. Provides examples of multiple transactions and explains aggregation at various levels including customer, account, and conductor focused CTRs. 

    What You’ll Learn

    After completing this course, students will be able to:

    • Identify the circumstances when a Currency Transaction Report (CTR) should be filed
    • Learn how to aggregate multiple transactions for reporting purposes
    • Complete the three steps in a Currency Transaction Report

    Audience: Employees who are responsible for completing or reviewing Currency Transaction Reports.

  • BSA/AML: Complying with the BSA

    Describes the key elements of an effective BSA policy and explains the responsibilities assigned to bankers to identify customers, monitor transactions, file reports, and retain records. Identifies the consequences for neglecting to adhere to BSA requirements, and describes what actions to take to avoid fines and penalties.

    What You’ll Learn

    After completing this course, students will be able to:

    • Describe the “five pillars” of the BSA Program
    • Explain your role in meeting the BSA requirements
    • Describe the consequences banks may face for non-compliance

    Audience: All bank staff.

  • BSA/AML: Exempting Customers from CTR Reporting

    Explains both phases of the exemption process and the information that is needed and lists the business entities that are not eligible for exemption from CTR reporting. Discusses the reasons for possible decisions to revoke customer exemptions. 

    What You’ll Learn

    After completing this course, students will be able to:

    • Describe why reporting exemptions advance BSA policy
    • Explain the division between exemption “Phases” and the conditions for obtaining exempt status
    • Identify changes in business behavior that can cause loss of exemption

    Audience: Any bank employees who need an understanding of the exemption process

  • BSA/AML: Overview

    Explores the risk assessment components that help prevent the different types of financial crimes. Covers the three stages in the money laundering process and provides current examples of possible schemes. Explains the four required elements of a BSA compliance program that must be implemented. 

    What You’ll Learn

    After completing this course, students will be able to:

    • Describe the foundation of the BSA
    • Explain the BSA’s expectations for the components of a bank’s risk management process
    • Describe the impact of financial crime on society
    • Explain the funding sources terrorists may use for financing
    • Name the key compliance program elements banks must implement to combat financial crime

    Audience: Bank employees who need an understanding of core Bank Secrecy Act requirements.

  • BSA/AML: Recordkeeping - Wires, Money Orders, and other Challenges

    Describes information the bank retains for wire transfers, and the travel rule and the information the originator’s bank obtains and transmits for transactions. Explores the recordkeeping requirements for direct and indirect purchases of monetary instruments, and for extensions of credit, lending products, and other types of transactions. 

    What You’ll Learn

    After completing this course, students will be able to:

    • Recognize bank recordkeeping requirements for wire transfers
    • Explain the recordkeeping requirements for monetary instruments
    • Describe recordkeeping requirements for an extension of credit and other BSA transactions—including, FINCEN 314(a) and (b)

    Audience: Employees involved with originating or disbursing wire transfers, selling negotiable instruments, opening accounts or taking loan applications, and responsible for record retention.

  • BSA/AML: Reporting

    Explains the requirements needed to complete the Currency Transaction Report (CTR) and the Designation of Exempt Person (DOEP). Describes the BSA-required Report of International Transportation of Currency or Monetary Instruments Report (CMIR), the Report of Foreign Bank and Financial Accounts (FBAR), the Suspicious Activity Report (SAR), and SAR filing requirements.

    What You’ll Learn

    After completing this course, students will be able to:

    • Explain the Currency Transaction Report (CTR) requirements financial  institutions must follow to be in compliance
    • Describe the qualifications and procedures for the Designation of Exempt Person (DOEP)
    • Identify the types of monetary instruments that must be recorded on  a Report of International Transportation of Currency or Monetary Instruments Report (CMIR)
    • Explain the BSA requirements for a Report of Foreign Bank and Financial Authority (FBAR)
    • Describe the purpose of a Suspicious Activity Report (SAR)

    Audience: Bank employees who need a basic understanding of any or all of the reports listed in the course.

  • BSA/AML: Risk Assessment and Customer Due Diligence

    Explores the factors that affect a bank’s BSA risk profile and explains the importance of proper risk analysis steps and factors to consider. Focuses on how to identify the risks and assesses the impact and implements measures and controls to reduce and manage the risk.

    What You’ll Learn

    After completing this course, students will be able to:

    • Identify the factors considered in assessing BSA risk
    • Describe how a risk assessment impacts customer due diligence

    Audience: CSRs, personal bankers, commercial lenders, and consumer lenders.

  • BSA/AML: SAR Filing

    Describes the BSA requirements for a bank to file a Suspicious Activity Report and why federal law limits sharing information about a SAR, and the components of a SAR monitoring and reporting system, and how to answer the essential questions that comprise the basis of the SAR narrative. 

    What You’ll Learn

    After completing this course, students will be able to:

    • Describe the scope of activities appropriate for SAR filing
    • Discuss the importance of keeping SARs confidential
    • Recognize some indicators of suspicious activity
    • Describe the five key components of SAR filing

    Audience: All employees

  • BSA/AML: USA PATRIOT Act

    Builds the customer identification and due diligence process for specific types of accounts believed to pose increased risks of money laundering and terrorist financing, and explains how the USA PATRIOT Act affects sharing of certain types of information between financial institutions and law enforcement officials.

    Note: This is a high-level overview course intended for employees that do not necessarily need a deep dive into the requirements of the USA PATRIOT Act. Many of the lessons included in this course are covered in more depth in other BSA courses such as BSA/AML: CIP Basics, BSA/AML: CIP Advanced, BSA/AML Recordkeeping, and BSA/AML: Risk Assessment and Customer Due Diligence. 

    What You’ll Learn

    After completing this course, students will be able to:

    • Describe the purpose of the USA PATRIOT Act and the penalties for noncompliance
    • Describe actions to take if you suspect that an account may fall within a high-risk category
    • Identify customer due diligence requirements for foreign correspondence accounts
    • Identify customer due diligence requirements for private banking accounts
    • Describe the information sharing requirements in Sections 314(a) and 314(b) of the USA PATRIOT Act

    Audience: All employees

  • BSA/USA Patriot Act for Compliance Professionals

    Builds the customer identification and due diligence process for specific types of accounts believed to pose increased risks of money laundering and terrorist financing. Explains how the USA PATRIOT Act affects sharing of certain types of information between financial institutions and law enforcement officials.

    What You’ll Learn
    After completing this course, students will be able to:

    • Explain the importance of a risk assessment program
    • Describe the purpose and significance of the customer identification program
    • Discuss your bank’s customer due diligence policies, procedures and processes
    • Explain the requirements for suspicious activity reporting
    • Identify currency transaction reporting requirements and the two categories of exemptions

    Audience: Compliance and risk management professionals including compliance managers, officers, and other team members whose primary role is within the compliance function at their financial institution; bank examiners, bank regulators, and auditors.

  • Building Collaborative Teams

    Introduces strategies for transforming groups of talented individuals into collaborative teams by instilling a strong sense of commitment. Explores the importance of defining the shared objective, each person’s contribution and clear expectations for the team. Teaches leaders to discover ways to build success in cooperative situations and ensure teams can make important decisions and work together to achieve results.

    What You’ll Learn

    After successfully completing the course, you will be able to:

    • Identify the value of collaborative teams to your organization
    • Describe the elements of team collaboration to gain commitment and build success
    • Explain the decision making process to help teams move forward and deliver results

    Audience: Any employee responsible for leading teams regardless of the specific reporting relationships. This could include managers, supervisors, coaches, team leaders, and mentors.

  • Building Customer Relationships

    Building Customer Relationships guides students through the strategies for earning customer loyalty, value-added sales and marketing, and creating and maintaining strong bank customer and partner relationships. It builds the critical relationship management skills essential to successful banking careers. (4 weeks)

    Building Customer Relationships is one of three Banking Fundamentals courses that explore the principles of the banking industry. Enroll in one, two, or all three to meet your needs.

    Learning Objectives

    • Discuss how marketing, sales and service help build customer relationships
    • Discuss cross-selling and referrals
    • Identify potential bank customers
    • Explain how banks safeguard assets, prevent crime, and protect the nation’s financial system
    • Discuss laws and regulations to safeguard customer information

    Audience: Designed for anyone who needs an introduction to banking—whether just starting a career or new to the banking industry.

  • Building Customer Relationships

    Building Customer Relationships guides students through the strategies for earning customer loyalty, value-added sales and marketing, and creating and maintaining strong bank customer and partner relationships. It builds the critical relationship management skills essential to successful banking careers. (4 weeks)

    Building Customer Relationships is one of three Banking Fundamentals courses that explore the principles of the banking industry. Enroll in one, two, or all three to meet your needs.

    Learning Objectives

    • Discuss how marketing, sales and service help build customer relationships
    • Discuss cross-selling and referrals
    • Identify potential bank customers
    • Explain how banks safeguard assets, prevent crime, and protect the nation’s financial system
    • Discuss laws and regulations to safeguard customer information

    Audience: Designed for anyone who needs an introduction to banking—whether just starting a career or new to the banking industry.

  • Building Customer Relationships

    Building Customer Relationships guides students through the strategies for earning customer loyalty, value-added sales and marketing, and creating and maintaining strong bank customer and partner relationships. It builds the critical relationship management skills essential to successful banking careers. (4 weeks)

    Building Customer Relationships is one of three Banking Fundamentals courses that explore the principles of the banking industry. Enroll in one, two, or all three to meet your needs.

    Learning Objectives

    • Discuss how marketing, sales and service help build customer relationships
    • Discuss cross-selling and referrals
    • Identify potential bank customers
    • Explain how banks safeguard assets, prevent crime, and protect the nation’s financial system
    • Discuss laws and regulations to safeguard customer information

    Audience: Designed for anyone who needs an introduction to banking—whether just starting a career or new to the banking industry.

  • Building Customer Relationships

    Building Customer Relationships guides students through the strategies for earning customer loyalty, value-added sales and marketing, and creating and maintaining strong bank customer and partner relationships. It builds the critical relationship management skills essential to successful banking careers. (4 weeks)

    Building Customer Relationships is one of three Banking Fundamentals courses that explore the principles of the banking industry. Enroll in one, two, or all three to meet your needs.

    Learning Objectives

    • Discuss how marketing, sales and service help build customer relationships
    • Discuss cross-selling and referrals
    • Identify potential bank customers
    • Explain how banks safeguard assets, prevent crime, and protect the nation’s financial system
    • Discuss laws and regulations to safeguard customer information

    Audience: Anyone who needs an introduction to banking, whether just starting a career or a more experienced professional from a different industry.

  • Building Customer Relationships

    Building Customer Relationships guides students through the strategies for earning customer loyalty, value-added sales and marketing, and creating and maintaining strong bank customer and partner relationships. It builds the critical relationship management skills essential to successful banking careers. (4 weeks)

    Building Customer Relationships is one of three Banking Fundamentals courses that explore the principles of the banking industry. Enroll in one, two, or all three to meet your needs.

    Learning Objectives

    • Discuss how marketing, sales and service help build customer relationships
    • Discuss cross-selling and referrals
    • Identify potential bank customers
    • Explain how banks safeguard assets, prevent crime, and protect the nation’s financial system
    • Discuss laws and regulations to safeguard customer information

    Audience: Designed for anyone who needs an introduction to banking—whether just starting a career or new to the banking industry.

  • Building Customer Relationships

    Building Customer Relationships guides students through the strategies for earning customer loyalty, value-added sales and marketing, and creating and maintaining strong bank customer and partner relationships. It builds the critical relationship management skills essential to successful banking careers. (4 weeks)

    Building Customer Relationships is one of three Banking Fundamentals courses that explore the principles of the banking industry. Enroll in one, two, or all three to meet your needs.

    Learning Objectives

    • Discuss how marketing, sales and service help build customer relationships
    • Discuss cross-selling and referrals
    • Identify potential bank customers
    • Explain how banks safeguard assets, prevent crime, and protect the nation’s financial system
    • Discuss laws and regulations to safeguard customer information

    Audience: Designed for anyone who needs an introduction to banking—whether just starting a career or new to the banking industry.

  • Building Your Campaign

    The majority of consumers go online before making a purchasing decision, and some only use their phone to buy everything from groceries to financial services. Learn how to reach the digital consumer by understanding what works and what doesn’t in digital campaigns.

    Modules are:

    • Campaign Goals: Craft Your Objective
    • Campaign Types: Explore Options
    • Targeting: Find Your Customers

    Produced by Mindset Digital

    What You’ll Learn

    • Connect common marketing goals with digital marketing strategies
    • Describe common digital marketing campaign approaches
    • Select from a variety of targeting options to reach intended audiences

    Audience: For bank marketing professionals looking to enhance their skills in social media channels, for marketing professionals new to the banking industry, or for staff with a marketing responsibility at a bank with limited marketing resources.

  • Business and International Banking Services

    Guides you through the products and services that banks provide to businesses. Explore checking, savings, and investment accounts; lines of credit and loans; cash management services; insurance products; and capital market products and services. Examine the primary laws and regulations that govern business and international banking services.

    What You’ll Learn

    After successfully completing the course, you will be able to:

    • Explain cash management services for businesses
    • Describe products banks offer to businesses
    • Outline bank trust services available to businesses
    • Define international banking services that foster foreign trade

    Audience: For Onboarding. Anyone who needs an introduction to banking, whether just starting a career in the industry or a more experienced professional from a different industry, including specialists in non-banking functions such as marketing, information systems, and human resources.

  • Business Communication

    The Business Communication course is ACE recommended for college credit transfer!

    A well-developed, consistently applied process approach to communication that is combined with integrated, hands-on application of current and emerging business technologies.  Students learn a process for solving future communication problems, and how to use the Internet and electronic media to deliver their message, resulting in a tangible communication strategy they can use throughout their careers.

    Textbook chapter topics include:

    • Fundamentals of Business Writing
    • Basic Patterns of Business Messages
    • Fundamentals of Report Writing
    • Oral Forms of Business Communication
    • Cross-Cultural Communication, Correctness, Technology, Research

    Audience: Anyone who wants to improve their Business Communication skills

  • Business Communication

    The Business Communication course is ACE recommended for college credit transfer!

    A well-developed, consistently applied process approach to communication that is combined with integrated, hands-on application of current and emerging business technologies.  Students learn a process for solving future communication problems, and how to use the Internet and electronic media to deliver their message, resulting in a tangible communication strategy they can use throughout their careers.

    Textbook chapter topics include:

    • Fundamentals of Business Writing
    • Basic Patterns of Business Messages
    • Fundamentals of Report Writing
    • Oral Forms of Business Communication
    • Cross-Cultural Communication, Correctness, Technology, Research

    Audience: Business

  • Business Communication

    The Business Communication course is ACE recommended for college credit transfer!

    A well-developed, consistently applied process approach to communication that is combined with integrated, hands-on application of current and emerging business technologies.  Students learn a process for solving future communication problems, and how to use the Internet and electronic media to deliver their message, resulting in a tangible communication strategy they can use throughout their careers.

    Textbook chapter topics include:

    • Fundamentals of Business Writing
    • Basic Patterns of Business Messages
    • Fundamentals of Report Writing
    • Oral Forms of Business Communication
    • Cross-Cultural Communication, Correctness, Technology, Research

    Audience: Business

  • Business Communication

    The Business Communication course is ACE recommended for college credit transfer!

    A well-developed, consistently applied process approach to communication that is combined with integrated, hands-on application of current and emerging business technologies.  Students learn a process for solving future communication problems, and how to use the Internet and electronic media to deliver their message, resulting in a tangible communication strategy they can use throughout their careers.

    Textbook chapter topics include:

    • Fundamentals of Business Writing
    • Basic Patterns of Business Messages
    • Fundamentals of Report Writing
    • Oral Forms of Business Communication
    • Cross-Cultural Communication, Correctness, Technology, Research

    Audience: Business

  • Business Communication

    The Business Communication course is ACE recommended for college credit transfer!

    A well-developed, consistently applied process approach to communication that is combined with integrated, hands-on application of current and emerging business technologies.  Students learn a process for solving future communication problems, and how to use the Internet and electronic media to deliver their message, resulting in a tangible communication strategy they can use throughout their careers.

    Textbook chapter topics include:

    • Fundamentals of Business Writing
    • Basic Patterns of Business Messages
    • Fundamentals of Report Writing
    • Oral Forms of Business Communication
    • Cross-Cultural Communication, Correctness, Technology, Research

    Audience: Business

  • Business Communication

    The Business Communication course is ACE recommended for college credit transfer!

    A well-developed, consistently applied process approach to communication that is combined with integrated, hands-on application of current and emerging business technologies.  Students learn a process for solving future communication problems, and how to use the Internet and electronic media to deliver their message, resulting in a tangible communication strategy they can use throughout their careers.

    Textbook chapter topics include:

    • Fundamentals of Business Writing
    • Basic Patterns of Business Messages
    • Fundamentals of Report Writing
    • Oral Forms of Business Communication
    • Cross-Cultural Communication, Correctness, Technology, Research

    Audience: Business

  • Business Communication

    The Business Communication course is ACE recommended for college credit transfer!

    A well-developed, consistently applied process approach to communication that is combined with integrated, hands-on application of current and emerging business technologies.  Students learn a process for solving future communication problems, and how to use the Internet and electronic media to deliver their message, resulting in a tangible communication strategy they can use throughout their careers.

    Textbook chapter topics include:

    • Fundamentals of Business Writing
    • Basic Patterns of Business Messages
    • Fundamentals of Report Writing
    • Oral Forms of Business Communication
    • Cross-Cultural Communication, Correctness, Technology, Research

    Audience: Business

  • Business Communication

    A well-developed, consistently applied process approach to communication that is combined with integrated, hands-on application of current and emerging business technologies. Students learn a process for solving future communication problems, and how to use the Internet and electronic media to deliver their message, resulting in a tangible communication strategy they can use throughout their careers.

    Textbook chapter topics include:

    • Fundamentals of Business Writing
    • Basic Patterns of Business Messages
    • Fundamentals of Report Writing
    • Oral Forms of Business Communication
    • Cross-Cultural Communication, Correctness, Technology, Research

    Audience: Business

  • Business Communication

    A well-developed, consistently applied process approach to communication that is combined with integrated, hands-on application of current and emerging business technologies. Students learn a process for solving future communication problems, and how to use the Internet and electronic media to deliver their message, resulting in a tangible communication strategy they can use throughout their careers.

    Textbook chapter topics include:

    • Fundamentals of Business Writing
    • Basic Patterns of Business Messages
    • Fundamentals of Report Writing
    • Oral Forms of Business Communication
    • Cross-Cultural Communication, Correctness, Technology, Research

    Audience: Business

  • Business Communication

    A well-developed, consistently applied process approach to communication that is combined with integrated, hands-on application of current and emerging business technologies. Students learn a process for solving future communication problems, and how to use the Internet and electronic media to deliver their message, resulting in a tangible communication strategy they can use throughout their careers.

    Textbook chapter topics include:

    • Fundamentals of Business Writing
    • Basic Patterns of Business Messages
    • Fundamentals of Report Writing
    • Oral Forms of Business Communication
    • Cross-Cultural Communication, Correctness, Technology, Research

    Audience: Business

  • Business Communication

    The Business Communication course is ACE recommended for college credit transfer!

    A well-developed, consistently applied process approach to communication that is combined with integrated, hands-on application of current and emerging business technologies.  Students learn a process for solving future communication problems, and how to use the Internet and electronic media to deliver their message, resulting in a tangible communication strategy they can use throughout their careers.

    Textbook chapter topics include:

    • Fundamentals of Business Writing
    • Basic Patterns of Business Messages
    • Fundamentals of Report Writing
    • Oral Forms of Business Communication
    • Cross-Cultural Communication, Correctness, Technology, Research

    Audience: Business

  • Business Development: Getting Out of the Office - Branch Manager Bootcamp Series

    OBJECTIVE

    Branch Manager Part 3 focuses on the relationship building process to identify how to gain the trust of your customer, gain a larger share of wallet, and present solutions that solve your customers’ needs.
    Participant Key Skill Transfers to Take Away:
    1. Mastering pre-sales call planning.
    2. Learning to call on the right (most profitable) customers and prospects.
    3. Building relationships with productive referral sources.

    Program Agenda

    • Introductory Discussion: Our Role in Growing the Branch
    • Review Action Plan Successes from Past Session
    • Our Past Calling Successes & Challenges
       -The Value Proposition
    • Getting Out of the Office
    • Call Planning on Our Most Profitable Clients
    • Gaining the Appointment
    • Planning for a Quality In-Person Appointment
       -Determining Lead Officers and Call (Individual or Joint) Strategy
       -Plan What to Bring on the Call
       -Plan Bridging and Introductory Comments
    • The Initial Meeting
       -Listening and Communicating How You Can Help
       -Making a Recommendation and Asking for the Business
       -Earning Referrals
    • Call Follow-Up
       -Expand Your Notes to Capture the Call
       -Calendar Follow Up Activities
       -Assess the Call
    • Discussing an Upcoming Customer Call
    • Discussing Challenges & Opportunities
    • Complete an Action Plan for Skills Transfer back to the Job
    • TOOLKIT: Forms for use back on the job

    Audience: New and experienced Branch Managers, Assistant Branch Managers, Teller Supervisors, Lead Universal Bankers, and any banker aspiring to lead the team in a retail branch.

  • Business Ethics

    The Business Ethics course provides a unique multidisciplinary approach in critical analysis and integrates the perspective of philosophy with management, law, economics, and public policy; providing a clear, concise, yet reasonably comprehensive introductory survey of the ethical choices available to us in business. 

    Topics to be covered include:

    • Ethical Theory and Business
    • Corporate Social Responsibility
    • Corporate Culture, Governance, and Ethical Leadership
    • The Meaning and Value of Work
    • Moral Rights in the Workplace
    • Employee Responsibilities
    • Marketing Ethics:  Product Safety and Pricing
    • Marketing Ethics:  Advertising and Target Marketing
    • Business’ Environmental Responsibilities
    • Diversity and Discrimination
    • International Business and Globalization

    Audience: Business

  • Business Math

    The Business Math course is ACE recommended for college credit transfer!

    This course provides a comprehensive coverage of personal and business related math topics.  After successfully completing this course, you will be able to:  understand how ratios, payments, interest, etc. are calculated; understand how gross and net pay are calculated; understand the different types of banking accounts and how business math applies to them; calculate loan payments and interest; understand the cost of credit; calculate mortgage payments, including insurance costs; calculate life insurance premiums; estimate technology costs; and understand employee recruitment expenses, including  the cost of part-time vs. full-time employees. 

    The Business Math textbook chapter topics include:

    • Whole Numbers: How to Dissect and Solve Word Problems
    • Fractions
    • Decimals
    • Banking Equations
    • Solving for the Unknown: A How-To Approach for Solving Equations
    • Percents and Their Applications
    • Discounts: Trade and Cash
    • Markups and Markdowns
    • Calculating Various Types of Employees’ Gross Pay
    • Simple Interest
    • Promissory Notes, Simple Discount Notes, and the Discount Process
    • Compound Interest and Present Value

    Audience: Anyone wishing to sharpen their business math skills

  • Business Math

    This course provides a comprehensive coverage of personal and business related math topics. After successfully completing this course, you will be able to: understand how ratios, payments, interest, etc. are calculated; understand how gross and net pay are calculated; understand the different types of banking accounts and how business math applies to them; calculate loan payments and interest; understand the cost of credit; calculate mortgage payments, including insurance costs; calculate life insurance premiums; estimate technology costs; and understand employee recruitment expenses, including the cost of part-time vs. full-time employees.

    The Business Math textbook chapter topics include:

    • Whole Numbers: How to Dissect and
    • Solve Word Problems
    • Fractions
    • Decimals
    • Banking Equations
    • Solving for the Unknown: A How-To
    • Approach for Solving Equations
    • Percents and Their Applications
    • Discounts: Trade and Cash
    • Markups and Markdowns
    • Calculating Various Types of
    • Employees’ Gross Pay
    • Simple Interest
    • Promissory Notes, Simple Discount
    • Notes, and the Discount Process
    • Compound Interest and Present Value

    Audience: Anyone wishing to sharpen their business math skills

  • Business Math

    This course provides a comprehensive coverage of personal and business related math topics. After successfully completing this course, you will be able to: understand how ratios, payments, interest, etc. are calculated; understand how gross and net pay are calculated; understand the different types of banking accounts and how business math applies to them; calculate loan payments and interest; understand the cost of credit; calculate mortgage payments, including insurance costs; calculate life insurance premiums; estimate technology costs; and understand employee recruitment expenses, including the cost of part-time vs. full-time employees.

    The Business Math textbook chapter topics include:

    • Whole Numbers: How to Dissect and
    • Solve Word Problems
    • Fractions
    • Decimals
    • Banking Equations
    • Solving for the Unknown: A How-To
    • Approach for Solving Equations
    • Percents and Their Applications
    • Discounts: Trade and Cash
    • Markups and Markdowns
    • Calculating Various Types of
    • Employees’ Gross Pay
    • Simple Interest
    • Promissory Notes, Simple Discount
    • Notes, and the Discount Process
    • Compound Interest and Present Value

    Audience: Anyone wishing to sharpen their business math skills

  • Business Math

    This course provides a comprehensive coverage of personal and business related math topics. After successfully completing this course, you will be able to: understand how ratios, payments, interest, etc. are calculated; understand how gross and net pay are calculated; understand the different types of banking accounts and how business math applies to them; calculate loan payments and interest; understand the cost of credit; calculate mortgage payments, including insurance costs; calculate life insurance premiums; estimate technology costs; and understand employee recruitment expenses, including the cost of part-time vs. full-time employees.

    The Business Math textbook chapter topics include:

    • Whole Numbers: How to Dissect and
    • Solve Word Problems
    • Fractions
    • Decimals
    • Banking Equations
    • Solving for the Unknown: A How-To
    • Approach for Solving Equations
    • Percents and Their Applications
    • Discounts: Trade and Cash
    • Markups and Markdowns
    • Calculating Various Types of
    • Employees’ Gross Pay
    • Simple Interest
    • Promissory Notes, Simple Discount
    • Notes, and the Discount Process
    • Compound Interest and Present Value

    Audience: Anyone wishing to sharpen their business math skills

  • Business Math

    This course provides a comprehensive coverage of personal and business related math topics. After successfully completing this course, you will be able to: understand how ratios, payments, interest, etc. are calculated; understand how gross and net pay are calculated; understand the different types of banking accounts and how business math applies to them; calculate loan payments and interest; understand the cost of credit; calculate mortgage payments, including insurance costs; calculate life insurance premiums; estimate technology costs; and understand employee recruitment expenses, including the cost of part-time vs. full-time employees.

    The Business Math textbook chapter topics include:

    • Whole Numbers: How to Dissect and
    • Solve Word Problems
    • Fractions
    • Decimals
    • Banking Equations
    • Solving for the Unknown: A How-To
    • Approach for Solving Equations
    • Percents and Their Applications
    • Discounts: Trade and Cash
    • Markups and Markdowns
    • Calculating Various Types of
    • Employees’ Gross Pay
    • Simple Interest
    • Promissory Notes, Simple Discount
    • Notes, and the Discount Process
    • Compound Interest and Present Value

    Audience: Anyone wishing to sharpen their business math skills

  • Business Math

    This course provides a comprehensive coverage of personal and business related math topics. After successfully completing this course, you will be able to: understand how ratios, payments, interest, etc. are calculated; understand how gross and net pay are calculated; understand the different types of banking accounts and how business math applies to them; calculate loan payments and interest; understand the cost of credit; calculate mortgage payments, including insurance costs; calculate life insurance premiums; estimate technology costs; and understand employee recruitment expenses, including the cost of part-time vs. full-time employees.

    The Business Math textbook chapter topics include:

    • Whole Numbers: How to Dissect and
    • Solve Word Problems
    • Fractions
    • Decimals
    • Banking Equations
    • Solving for the Unknown: A How-To
    • Approach for Solving Equations
    • Percents and Their Applications
    • Discounts: Trade and Cash
    • Markups and Markdowns
    • Calculating Various Types of
    • Employees’ Gross Pay
    • Simple Interest
    • Promissory Notes, Simple Discount
    • Notes, and the Discount Process
    • Compound Interest and Present Value

    Audience: Anyone wishing to sharpen their business math skills

  • Business Math

    This course provides a comprehensive coverage of personal and business related math topics. After successfully completing this course, you will be able to: understand how ratios, payments, interest, etc. are calculated; understand how gross and net pay are calculated; understand the different types of banking accounts and how business math applies to them; calculate loan payments and interest; understand the cost of credit; calculate mortgage payments, including insurance costs; calculate life insurance premiums; estimate technology costs; and understand employee recruitment expenses, including the cost of part-time vs. full-time employees.

    The Business Math textbook chapter topics include:

    • Whole Numbers: How to Dissect and
    • Solve Word Problems
    • Fractions
    • Decimals
    • Banking Equations
    • Solving for the Unknown: A How-To
    • Approach for Solving Equations
    • Percents and Their Applications
    • Discounts: Trade and Cash
    • Markups and Markdowns
    • Calculating Various Types of
    • Employees’ Gross Pay
    • Simple Interest
    • Promissory Notes, Simple Discount
    • Notes, and the Discount Process
    • Compound Interest and Present Value

    Audience: Anyone wishing to sharpen their business math skills

  • Business Math

    This course provides a comprehensive coverage of personal and business related math topics. After successfully completing this course, you will be able to: understand how ratios, payments, interest, etc. are calculated; understand how gross and net pay are calculated; understand the different types of banking accounts and how business math applies to them; calculate loan payments and interest; understand the cost of credit; calculate mortgage payments, including insurance costs; calculate life insurance premiums; estimate technology costs; and understand employee recruitment expenses, including the cost of part-time vs. full-time employees.

    The Business Math textbook chapter topics include:

    • Whole Numbers: How to Dissect and
    • Solve Word Problems
    • Fractions
    • Decimals
    • Banking Equations
    • Solving for the Unknown: A How-To
    • Approach for Solving Equations
    • Percents and Their Applications
    • Discounts: Trade and Cash
    • Markups and Markdowns
    • Calculating Various Types of
    • Employees’ Gross Pay
    • Simple Interest
    • Promissory Notes, Simple Discount
    • Notes, and the Discount Process
    • Compound Interest and Present Value

    Audience: Anyone wishing to sharpen their business math skills

  • Business Math

    This course provides a comprehensive coverage of personal and business related math topics. After successfully completing this course, you will be able to: understand how ratios, payments, interest, etc. are calculated; understand how gross and net pay are calculated; understand the different types of banking accounts and how business math applies to them; calculate loan payments and interest; understand the cost of credit; calculate mortgage payments, including insurance costs; calculate life insurance premiums; estimate technology costs; and understand employee recruitment expenses, including the cost of part-time vs. full-time employees.

    The Business Math textbook chapter topics include:

    • Whole Numbers: How to Dissect and
    • Solve Word Problems
    • Fractions
    • Decimals
    • Banking Equations
    • Solving for the Unknown: A How-To
    • Approach for Solving Equations
    • Percents and Their Applications
    • Discounts: Trade and Cash
    • Markups and Markdowns
    • Calculating Various Types of
    • Employees’ Gross Pay
    • Simple Interest
    • Promissory Notes, Simple Discount
    • Notes, and the Discount Process
    • Compound Interest and Present Value

    Audience: Anyone wishing to sharpen their business math skills

  • Business Math

    This course provides a comprehensive coverage of personal and business related math topics. After successfully completing this course, you will be able to: understand how ratios, payments, interest, etc. are calculated; understand how gross and net pay are calculated; understand the different types of banking accounts and how business math applies to them; calculate loan payments and interest; understand the cost of credit; calculate mortgage payments, including insurance costs; calculate life insurance premiums; estimate technology costs; and understand employee recruitment expenses, including the cost of part-time vs. full-time employees.

    The Business Math textbook chapter topics include:

    • Whole Numbers: How to Dissect and
    • Solve Word Problems
    • Fractions
    • Decimals
    • Banking Equations
    • Solving for the Unknown: A How-To
    • Approach for Solving Equations
    • Percents and Their Applications
    • Discounts: Trade and Cash
    • Markups and Markdowns
    • Calculating Various Types of
    • Employees’ Gross Pay
    • Simple Interest
    • Promissory Notes, Simple Discount
    • Notes, and the Discount Process
    • Compound Interest and Present Value

    Audience: Anyone wishing to sharpen their business math skills

  • Business Math

    This course provides a comprehensive coverage of personal and business related math topics. After successfully completing this course, you will be able to: understand how ratios, payments, interest, etc. are calculated; understand how gross and net pay are calculated; understand the different types of banking accounts and how business math applies to them; calculate loan payments and interest; understand the cost of credit; calculate mortgage payments, including insurance costs; calculate life insurance premiums; estimate technology costs; and understand employee recruitment expenses, including the cost of part-time vs. full-time employees.

    Audience: Anyone wishing to sharpen their business math skills

  • Business Math

    This course provides a comprehensive coverage of personal and business related math topics. After successfully completing this course, you will be able to: understand how ratios, payments, interest, etc. are calculated; understand how gross and net pay are calculated; understand the different types of banking accounts and how business math applies to them; calculate loan payments and interest; understand the cost of credit; calculate mortgage payments, including insurance costs; calculate life insurance premiums; estimate technology costs; and understand employee recruitment expenses, including the cost of part-time vs. full-time employees.

    The Business Math textbook chapter topics include:

    • Whole Numbers: How to Dissect and Solve Word Problems
    • Fractions
    • Decimals
    • Banking Equations
    • Solving for the Unknown: A How-To Approach for Solving Equations
    • Percents and Their Applications
    • Discounts: Trade and Cash
    • Markups and Markdowns
    • Calculating Various Types of Employees’ Gross Pay
    • Simple Interest
    • Promissory Notes, Simple Discount Notes, and the Discount Process
    • Compound Interest and Present Value

    Audience: Anyone wishing to sharpen their business math skills

  • Business Math

    This course provides a comprehensive coverage of personal and business related math topics. After successfully completing this course, you will be able to: understand how ratios, payments, interest, etc. are calculated; understand how gross and net pay are calculated; understand the different types of banking accounts and how business math applies to them; calculate loan payments and interest; understand the cost of credit; calculate mortgage payments, including insurance costs; calculate life insurance premiums; estimate technology costs; and understand employee recruitment expenses, including the cost of part-time vs. full-time employees.

    The Business Math textbook chapter topics include:

    • Whole Numbers: How to Dissect and
    • Solve Word Problems
    • Fractions
    • Decimals
    • Banking Equations
    • Solving for the Unknown: A How-To
    • Approach for Solving Equations
    • Percents and Their Applications
    • Discounts: Trade and Cash
    • Markups and Markdowns
    • Calculating Various Types of
    • Employees’ Gross Pay
    • Simple Interest
    • Promissory Notes, Simple Discount
    • Notes, and the Discount Process
    • Compound Interest and Present Value

    Audience: Anyone wishing to sharpen their business math skills

  • Business Math

    This course provides a comprehensive coverage of personal and business related math topics. After successfully completing this course, you will be able to: understand how ratios, payments, interest, etc. are calculated; understand how gross and net pay are calculated; understand the different types of banking accounts and how business math applies to them; calculate loan payments and interest; understand the cost of credit; calculate mortgage payments, including insurance costs; calculate life insurance premiums; estimate technology costs; and understand employee recruitment expenses, including the cost of part-time vs. full-time employees.

    The Business Math textbook chapter topics include:

    • Whole Numbers: How to Dissect and
    • Solve Word Problems
    • Fractions
    • Decimals
    • Banking Equations
    • Solving for the Unknown: A How-To
    • Approach for Solving Equations
    • Percents and Their Applications
    • Discounts: Trade and Cash
    • Markups and Markdowns
    • Calculating Various Types of
    • Employees’ Gross Pay
    • Simple Interest
    • Promissory Notes, Simple Discount
    • Notes, and the Discount Process
    • Compound Interest and Present Value

    Audience: Anyone wishing to sharpen their business math skills

  • Business Math

    This course provides a comprehensive coverage of personal and business related math topics. After successfully completing this course, you will be able to: understand how ratios, payments, interest, etc. are calculated; understand how gross and net pay are calculated; understand the different types of banking accounts and how business math applies to them; calculate loan payments and interest; understand the cost of credit; calculate mortgage payments, including insurance costs; calculate life insurance premiums; estimate technology costs; and understand employee recruitment expenses, including the cost of part-time vs. full-time employees.

    The Business Math textbook chapter topics include:

    • Whole Numbers: How to Dissect and
    • Solve Word Problems
    • Fractions
    • Decimals
    • Banking Equations
    • Solving for the Unknown: A How-To
    • Approach for Solving Equations
    • Percents and Their Applications
    • Discounts: Trade and Cash
    • Markups and Markdowns
    • Calculating Various Types of
    • Employees’ Gross Pay
    • Simple Interest
    • Promissory Notes, Simple Discount
    • Notes, and the Discount Process
    • Compound Interest and Present Value

    Audience: Anyone wishing to sharpen their business math skills

  • Business Math

    This course provides a comprehensive coverage of personal and business related math topics. After successfully completing this course, you will be able to: understand how ratios, payments, interest, etc. are calculated; understand how gross and net pay are calculated; understand the different types of banking accounts and how business math applies to them; calculate loan payments and interest; understand the cost of credit; calculate mortgage payments, including insurance costs; calculate life insurance premiums; estimate technology costs; and understand employee recruitment expenses, including the cost of part-time vs. full-time employees.

    The Business Math textbook chapter topics include:

    • Whole Numbers: How to Dissect and
    • Solve Word Problems
    • Fractions
    • Decimals
    • Banking Equations
    • Solving for the Unknown: A How-To
    • Approach for Solving Equations
    • Percents and Their Applications
    • Discounts: Trade and Cash
    • Markups and Markdowns
    • Calculating Various Types of
    • Employees’ Gross Pay
    • Simple Interest
    • Promissory Notes, Simple Discount
    • Notes, and the Discount Process
    • Compound Interest and Present Value

    Audience: Anyone wishing to sharpen their business math skills

  • Business Math

    This course provides a comprehensive coverage of personal and business related math topics. After successfully completing this course, you will be able to: understand how ratios, payments, interest, etc. are calculated; understand how gross and net pay are calculated; understand the different types of banking accounts and how business math applies to them; calculate loan payments and interest; understand the cost of credit; calculate mortgage payments, including insurance costs; calculate life insurance premiums; estimate technology costs; and understand employee recruitment expenses, including the cost of part-time vs. full-time employees.

    The Business Math textbook chapter topics include:

    • Whole Numbers: How to Dissect and
    • Solve Word Problems
    • Fractions
    • Decimals
    • Banking Equations
    • Solving for the Unknown: A How-To
    • Approach for Solving Equations
    • Percents and Their Applications
    • Discounts: Trade and Cash
    • Markups and Markdowns
    • Calculating Various Types of
    • Employees’ Gross Pay
    • Simple Interest
    • Promissory Notes, Simple Discount
    • Notes, and the Discount Process
    • Compound Interest and Present Value

    Audience: Anyone wishing to sharpen their business math skills

  • Business Tax Return Analysis

    This one day seminar will educate course attendees in the ways in which business tax returns are both similar to and differ from conventional financial statements.

    Participants in this program will work with tax returns for a variety of business organizations, including partnerships, Limited Liability Companies, S-Corporations, and C- Corporations. Participants will learn how to analyze the creditworthiness of businesses and how to evaluate loan repayment ability from the information contained in tax returns.

    Required for the Credit Analysis Certificate

    Audience: Anyone interested in Business Tax Return Analysis

  • Business Tax Return Analysis

    **E-book included in tuition fee**

    This one day seminar will educate course attendees in the ways in which business tax returns are both similar to and differ from conventional financial statements.

    Participants in this program will work with tax returns for a variety of business organizations, including partnerships, Limited Liability Companies, S-Corporations, and C- Corporations. Participants will learn how to analyze the creditworthiness of businesses and how to evaluate loan repayment ability from the information contained in tax returns.

    Required for the Credit Analysis Certificate

    Audience: Anyone interested in Business Tax Return Analysis

  • Business Writing

    This course covers the procedures for writing effective business letters and memorandums, a review of grammar, and the proper format of today’s business correspondence. Students learn how to prepare inquiry letters, direct and indirect response letters, application letters, and short reports.

    Audience:

  • Business Writing

    This course covers the procedures for writing effective business letters and memorandums, a review of grammar, and the proper format of today’s business correspondence. Students learn how to prepare inquiry letters, direct and indirect response letters, application letters, and short reports.

    Audience:

  • Business Writing

    This course covers the procedures for writing effective business letters and memorandums, a review of grammar, and the proper format of today’s business correspondence. Students learn how to prepare inquiry letters, direct and indirect response letters, application letters, and short reports.

    Audience:

  • Business Writing

    This course covers the procedures for writing effective business letters and memorandums, a review of grammar, and the proper format of todayƒ??s business correspondence. Students learn how to prepare inquiry letters, direct and indirect response letters, application letters, and short reports.

    Audience:

  • Business Writing

    This course covers the procedures for writing effective business letters and memorandums, a review of grammar, and the proper format of today’s business correspondence. Students learn how to prepare inquiry letters, direct and indirect response letters, application letters, and short reports.

    Audience:

  • Business Writing

    This course covers the procedures for writing effective business letters and memorandums, a review of grammar, and the proper format of today’s business correspondence. Students learn how to prepare inquiry letters, direct and indirect response letters, application letters, and short reports.

    Audience:

  • Business Writing

    This course covers the procedures for writing effective business letters and memorandums, a review of grammar, and the proper format of today’s business correspondence. Students learn how to prepare inquiry letters, direct and indirect response letters, application letters, and short reports.

    Audience:

  • Business Writing

    This course emphasizes standard business communications and writing procedures used in business and office environments. These communication principles are designed to provide the student with the essential tools to improve communication skills and employ effective business writing.

    Audience: Bank or Credit Union employees who have direct or indirect contact with consumers.

  • Business Writing

    This course emphasizes standard business communications and writing procedures used in business and office environments. These communication principles are designed to provide the student with the essential tools to improve communication skills and employ effective business writing. 

    Audience: Bank or Credit Union employees who have direct or indirect contact with consumers.

  • Business, Industry and Management Risk Assessment

    This course is designed help participants integrate the analysis of risks associated with the industry, business and management of the company into the overall credit underwriting process.

    Covered Topics
    -Determine the characteristics of manufacturers, wholesalers, retailers, and service companies.
    -Identify the advantages and disadvantages of firms in different stages of the industry life cycle including: emerging, growth, mature, and decline stages.
    -Understand the macroeconomic issues that create risk for businesses.
    -Review specific types of risk including: buyer/seller concentrations, exit and entry costs, cyclicality, international concerns, and vulnerability to substitutes.
    -Understand how specific business risks impact specific industries.
    -Analyze operating leverage, competition, concentrations, distribution, products and services, and production.
    -Understand how management can compound or allay risk.
    -Discuss management success criteria such as experience, integrity, philosophy, and style.
    -Review the flaws and pitfalls of management.

    Audience: Commercial lenders, credit analysts and small business lenders, consumer lenders, mortgage bankers and private bankers; loan review specialists, special assets officers, lending managers and credit officers.

  • C&I (Commercial & Industrial) Lending

    This seminar will begin with a brief overview of Commercial and Industrial (C&I) loan products including working capital lines of credit, ABL facilities, and equipment financing (loans/leases) and their typical structure.

    The training session will also cover underwriting C&I loans including accounts receivable assessment and the use of a “Borrowing Base Certificate,” the valuation and quality of inventory, and equipment issues in lending. This portion of the seminar will also cover the proper evaluation of the borrower’s financial statements.

    Additionally, the seminar will briefly cover documentation of C&I loans, collateral concerns, challenges with pricing, and managing the C&I loan portfolio. The seminar will conclude with a review of how to identify and market to new C&I loan prospects in today’s competitive market.

    Objectives:

    – Review C&I lending
    – Discuss C&I loan products and their typical structure
    – Explore underwriting C&I loans including accounts receivable, inventory, and equipment financing
    – Evaluate the borrower’s financial statements
    – Briefly Review the documentation, collateral, pricing, and managing of C&I loans
    – Develop the marketing of C&I loans in today’s market

    Audience:

  • CAFP Exam Online Prep

    The Certified AML and Fraud Professional designation is designed exclusively for financial crimes professionals. You have the experience—now, you can confidently and efficiently prepare to pass the certification exam with CAFP Exam Online Prep training.

    This online training leverages the same knowledge domains and job tasks that are on the actual exam, and features audio and video lessons, readings, an online discussion board, access to a virtual instructor and practice tests. Self-assessment tools and confidence meters provide individual feedback to help you concentrate your study time where you need it most. The countdown meter also helps keep you on track as you progress towards your exam date. All lessons can be completed at your own pace and are available entirely online.

    What You’ll Learn

    After completing this course, students will be able to:

    • Practice your aptitude in completing the sample scenarios aligned to the exam outline
    • Demonstrate your risk management expertise by completing tasks in each of the knowledge areas
    • Test your knowledge of key risk management job tasks, processes and expectations
    • Prepare for the exam and know what to expect with sample tests written to model the actual exam questions

    Audience: Individuals who want to take the Certified AML and Fraud Professional (CAFP) Exam.

  • Call Preparation and Call Delivery In-Person and Using Virtual Tools - Professional Selling Skills Series

    Sales calls and sales deals made with a hearty handshake may be a thing of the past. What in-person calling did represent was developing meaningful relationships with customers and prospects, after a series of meetings. That’s where in-person selling and virtual selling are the same.

    The “now economy” and technology are allowing calling officers to close deals through online meetings, video conferences, digital documents, e-signatures, and in-person meetings. Even large deals can be conducted at a distance.

    This fast-paced 3-hour lesson will help the calling officer use the right combination of technology and sales tools to effectively plan and prepare the sales call, and profitably sell banking products to companies and individuals, using both in-person and virtual approaches.

    Agenda

    • Setting up the call with pre-call research
    • Making the Sales Call
    • The Critical Importance of Sales Questions
    • Moving the Sale Forward
    • Effective Digital Closing Technique
    • Handling the Signing
    • Behavior-Based Approach to Collections
    • Follow-Up

    (Four-Part Series – You can also attend full series)

    Audience: Frontline salespeople -- such as branch managers, wealth managers, commercial lenders, mortgage and consumer lenders, and business development officers -- will find the strategies, techniques, and tools discussed will have a tremendous impact on sales growth.

  • Cash Flow Analysis

    ƒ?› Adequately identify the borrower and the true source of cash
    ƒ?› Understand Global Cash Flow and when to utilize it
    ƒ?› How to establish the ideal size of a commercial line of credit
    ƒ?› Review the various cash flow methods, Traditional cash flow and the UCA method

    Audience: Commercial and/or business bankers and credit analysts.

  • Cash Flow Analysis

    ƒ?› Adequately identify the borrower and the true source of cash
    ƒ?› Understand Business Cash Flow and how to utilize it from a re-payment point of view as well as a marketing opportunity
    ƒ?› How to establish the ideal size of a commercial line of credit
    ƒ?› Review the various cash flow methods, Traditional cash flow and the UCA method
    ƒ?› Outline the benefits and limitations of UCA Cash Flow – Based Debt Service Coverage
    ƒ?› Discuss EBITDA limitations

    Audience: Commercial and/or business bankers and credit analysts.

  • Cash Flow Analysis

    The principal goal of this course is to enable you to understand the fundamentals of constructing and analyzing direct and indirect cash flow statements so that a credit analyst will have clearer insight into how a company generates and uses its cash resources. This insight will enhance the quality and effectiveness of the entire credit decision process.

    Covered Topics
    -Analyze the company’s historical financial performance.
    -Improve the probability of repayment through a solid understanding of cash flow logic and construction.
    -Evaluate sources and uses of cash on the financial statements.
    -Explain the cash conversion cycle.
    -Describe the difference between operating, investing and financing cash flows.
    -Determine if net cash after operations is sufficient to repay interest and principle.
    -Evaluate the company?s financing needs after capital expenditures.
    -Determine if the company used the appropriate mix of short term debt, long term debt and equity.
    -Describe how key financial ratios can affect cash flow.
    -Link the cash flow statement to key ratios and events that are happening in the company.
    -Demonstrate how slight changes in the cash flow drivers can have a big effect on the cash flow statement.
    -Discuss the difference in cash flow methodology including: UCA, indirect, free cash flow, global cash flow and EBITDA.
    -Describe the appropriate covenants to use to protect cash flows.

    Audience: Commercial lenders, credit analysts, small business lenders, middle market lenders, private bankers; loan review specialists, special assets officers, lending managers and credit officers will benefit from attending this webinar.

  • Cash Flow Analysis - Advanced

    The question of repayment ability is central to any commercial lending request. In order to be approved for a loan, businesses need to establish their ability to generate enough cash flow to service both existing and proposed debt. This seminar will examine cash flow from a number of different perspectives. Participants in this program will consider conventional cash flow analysis as a basis for loan repayment and also look at other factors and variables that can impact a business cash flow such as growth and mismanagement of operating cycles. During this program, a number of different analysis tools will be utilized, including cash flow statements, financial projections, and permanent working capital analysis.

    Case studies will be used throughout this program to demonstrate the ways in which these tools can be utilized to assist lenders in the analysis process.

    Sample Topics

    – Measure a business’ cash flow accurately
    – How to utilize cash flow statements properly
    – Predicting the ability of a business to service future debt based on the development of projected financial information
    – Realizing the importance of changes in Permanent Working Capital and how those changes impact cash flow

    Audience: Credit Analysts, Loan Officers, other personnel with a basic understanding of business credit analysis

  • Cash Flow Analysis - Advanced

    The question of repaymentability is central to any commercial lending request. In order to be approved for a loan, businesses need to establish their ability to generate enough cashflow to service both existing and proposed debt. This seminar will examine cashflow from a number of different perspectives. Participants in this program will consider conventional cash flow analysis as a basis for loan repayment and also look at other factors and variables that can impact a business? cash flow such as growth and mismanagement of operating cycles. During this program, a number of different analysis tools will be utilized, including cash flow statements, financial projections, and permanent working capital analysis.

    Case studies will be used throughout this program to demonstrate the ways in which these tools can be utilized to assist lenders in the analysis process.

    Sample Topics

    – Measure a business’ cash flow accurately
    – How to utilize cashflow statements properly
    – Predicting the ability of a business to service future debt based on the development of projected financial information
    – Realizing the importance of changes in Permanent Working Capital and how those changes impact cash flow

    Audience: Credit Analysts, Loan Officers, other personnel with a basic understanding of business credit analysis

  • Cash Flow Analysis - Advanced

    **E-book included in tuition fee**

    The question of repayment ability is central to any commercial lending request. In order to be approved for a loan, businesses need to establish their ability to generate enough cash flow to service both existing and proposed debt. This seminar will examine cash flow from a number of different perspectives. Participants in this program will consider conventional cash flow analysis as a basis for loan repayment and also look at other factors and variables that can impact a business’ cash flow such as growth and mismanagement of operating cycles. During this program, a number of different analysis tools will be utilized, including cash flow statements, financial projections, and permanent working capital analysis.

    Case studies will be used throughout this program to demonstrate the ways in which these tools can be utilized to assist lenders in the analysis process.

    After successfully completing this course, you will be able to:

    • Measure a business’ cash flow accurately
    • How to utilize cash flow statements properly
    • Predicting the ability of a business to service future debt based on the development of projected financial information
    • Realizing the importance of changes in Permanent Working Capital and how those changes impact cash flow

    Audience: n/a

  • Cash Management: How Sales, Operations, and Technology Can Work Together to Generate More Fee Income

    During this webinar, you will gain a more in-depth knowledge of Cash Management (aka Treasury Management) products and services. You will learn about all the Cash Management products and services available in the marketplace, identify the products and services your credit union currently offers, what you?re missing, and come up with strategies to implement and offer the right products and services for your credit union. You will also learn the “behind the scenes” on the most important products and how they interact with technology.

    After attending this webinar, you will walk away with a deeper knowledge of Cash Management, conduct a risk assessment on any new products, and bring back ideas on how to market Cash Management products and services to your business clients. In addition, your team will also work better together knowing how critical each area is to the success of the implementation and sale of these products and services.

    Covered Topics
    -What is Treasury Management (aka Cash Management)?
    -The Evolution of Cash Management/History/Background
    -Review of the Account Analysis and what it?s used for
    -Overview of all Cash Management products in the market
    -How to determine which products you need to offer to your business customers
    -Determine who your in-house experts should be and provide the appropriate training
    -How Cash Management is integrated with the Credit Union?s Technology, Operations and Sales teams
    -Identifying new fee opportunities
    -Ideas on how to market and brand your Cash Management products
    -Process to implement Cash Management products
    -The future of Cash Management (including Blockchain and Bitcoin)

    Audience: Cash Management operations and sales personnel ?especially those new to Cash Management, Deposit sales team, Business bankers/lenders, Technology personnel (IT network support and core system support staff), Presidents and COOs who want to learn more about Cash Management.

  • CERP Exam Online Prep

    The Certified Enterprise Risk Professional designation is designed exclusively for risk management professionals. You have the experience—now, you can confidently and efficiently prepare to pass the certification exam with the CERP Exam Online Prep training.

    This online training leverages the same knowledge domains and job tasks that are on the actual exam, and features audio and video lessons, readings, an online discussion board, access to a virtual instructor and practice tests. Self-assessment tools and confidence meters provide individual feedback to help you concentrate your study time where you need it most. The countdown meter also helps keep you on track as you progress towards your exam date. All lessons can be completed at your own pace and are available entirely online.

    What You’ll Learn

    After completing this course, students will be able to:

    • Practice your aptitude in completing the sample scenarios aligned to the exam outline
    • Demonstrate your risk management expertise by completing tasks in each of the knowledge areas
    • Test your knowledge of key risk management job tasks, processes and expectations
    • Prepare for the exam and know what to expect with sample tests written to model the actual exam questions

    Audience: Individuals who want to take the Certified Enterprise Risk Professional (CERP) Exam.

  • CFT Agile Project Management Certificate (ACE CREDIT®)

    This online course introduces learners to Agile methods of project management. Beginning with an introduction to the core philosophy of Agile and the basic structure of an Agile project, the following modules address specific challenges that may be encountered by teams using Agile, best practices for integrating Agile methods into Waterfall environments, and the principles of Scrum, one of several specialized Agile methods. The self-paced course offers an assortment of interactive exercises, videos, selected readings, case studies, and self-assessments that engage students and provide opportunities to practice their project management skills in an Agile context.

    Topics covered in the course:

    • Introduction to Agile
    • Principles of Scrum
    • Challenges for Agile Teams
    • Integrating Agile into a Waterfall Environment

    Notes

    In order to become a PMI® Agile Certified Practitioner (PMI-ACP)®, learners will need to take and pass the PMI-ACP®exam, administered by the Project Management Institute®. MindEdge’s Agile Certified Practitioner (PMI-ACP)® Exam Prep course is not included in MindEdge’s introductory certificate program.

    All courses in this certificate have an “Ask the Expert” feature, which submits your questions directly to an expert in the field you are studying. Questions are answered as quickly as possible and usually within 24 hours.

    Project Management Institute, PMI, the Registered Education Provider logo, Project Management Professional, PMP, Project Management Body of Knowledge, PMBOK, PMI Agile Certified Practitioner, PMI-ACP, PMI Risk Management Professional, PMI-RMP, the PMI Talent Triangle, and the PMI Talent Triangle logo are marks of the Project Management Institute, Inc.

    Information in this course has been taken from A Guide to the Project Management Body of Knowledge, (PMBOK®Guide) — sixth Edition, Project Management Institute Inc., 2017.

    Audience:

  • CFT Business Communication Certificate

    Certificate Description

    Communicating clearly and concisely in written and oral formats is critical to your professional success. From clarifying and structuring your ideas to designing the PowerPoint slides that will best complement them, the techniques, interactive exercises, and checklists in this certificate program will help you create presentations and workplace documents that inform and persuade.

    Courses Included in this Certificate

    • Effective Business Writing 
    • Effective Presentations 
    • Effective Public Speaking 
    • Communicating Collaboratively 
    • Effective Emails, Memos, and Letters 

    Notes

    All courses in this certificate have an “Ask the Expert” feature, which submits your questions directly to an expert in the field you are studying. Questions are answered as quickly as possible and usually within 24 hours.

    Learners must achieve an average test score of at least 70% to meet the minimum successful completion requirement and qualify to receive IACET CEU credit. Learners will have three attempts at all graded assessments.

    These courses are available for purchase individually. Please contact the CFT office for more information. 

    Audience:

  • CFT Certificate in Creativity and Innovation

    Because organizations must innovate to stay alive in today’s highly competitive marketplace, organizations need employees who can channel their creativity and innovation toward organizational challenges and goals. This certificate program will first help you become re-acquainted with your own stores of creativity and innovation. Next, you are given a set of tools that allow you to leverage your creativity to identify and solve organizational problems.

    Courses Included in this Certificate

    • Introduction to Critical Thinking 
    • Personal Creativity 
    • Creativity in Teams and Organizations 
    • Innovation in Teams and Organizations 

    Notes

    All courses in this certificate have an “Ask the Expert” feature, which submits your questions directly to an expert in the field you are studying. Questions are answered as quickly as possible and usually within 24 hours.

    This course does not require any additional purchases of supplementary materials.

    Learners must achieve an average test score of at least 70% to meet the minimum successful completion requirement and qualify to receive IACET CEU credit. Learners will have three attempts at all graded assessments.

    These courses are available for purchase individually. Please contact the CFT office for more information.

    Audience:

  • CFT Certificate in Cybersecurity

    Cybersecurity, also known as Information Security, is the protection of data and personally identifiable information from malicious attacks, theft, and destruction. Failures of cybersecurity policies, both in large corporations and governmental agencies, have earned significant visibility and negative publicity in recent months and years. As the amount of data being stored continues to increase, and as hackers become more sophisticated, the need for cybersecurity is greater than ever.

    Courses Included in this Certificate

    • Communication and Network Security
    • Asset Security 
    • Security and Risk Management 
    • Security Engineering 
    • Identity and Access Management 
    • Security Assessment and Testing 
    • Security Operations 
    • Software Development Security 

     

    Notes

    All courses in this certificate have an “Ask the Expert” feature, which submits your questions directly to an expert in the field you are studying. Questions are answered as quickly as possible and usually within 24 hours.

    This course does not require any additional purchases of supplementary materials.

    Learners must achieve an average test score of at least 70% to meet the minimum successful completion requirement and qualify to receive IACET CEU credit. Learners will have three attempts at all graded assessments.

    These courses are available for purchase individually. Please contact the CFT office for more information.

    Audience:

  • CFT Certificate in Data Analytics

    This certificate in data analytics provides an overview of topics in statistics and their applications in a variety of fields. This certificate will present the basics of quantitative analysis and its increasing use in today’s professional landscape. Learners are exposed to quantitative decision-making tools and techniques, which tie into real-world case studies. Each course in this certificate utilizes games, videos, interactive exercises, quizzes, real world case studies, and other engaging content to ensure rapid mastery of the content and direct application. Course videos and lessons focus on use of both Microsoft Excel and OpenOffice.

    Courses Included in this Certificate

    • Statistical Process Control
    • Data Analysis in the Real World
    • Data Analysis for Improving Organizational Performance 
    • Introduction to Data Analysis 
    • Tools of Data Analysis
    • Statistics as a Managerial Tool

    Notes

    All courses in this certificate have an “Ask the Expert” feature, which submits your questions directly to an expert in the field you are studying. Questions are answered as quickly as possible and usually within 24 hours.

    This course does not require any additional purchases of supplementary materials.

    Learners must achieve an average test score of at least 70% to meet the minimum successful completion requirement and qualify to receive IACET CEU credit. Learners will have three attempts at all graded assessments.

    These courses are available for purchase individually. Please contact the CFT office for more information.

    Audience:

  • CFT Certificate in Emerging Technology for Managers

    This Certificate in Emerging Technology for Managers addresses blockchain, artificial intelligence, and robotics. Learners who have completed this suite of courses are knowledgeable in how each technology affects business processes and how each contributes to a discussion about the future of labor. In the current business environment, managers and leaders should have a baseline understanding of these emerging technologies. Certificate holders are informed about cryptocurrencies and how blockchain is restoring trust and security in Internet transactions. Learners have examined how artificial intelligence is leading to gains in efficiency and performance, along with concepts and metrics for management to consider when evaluating an investment in robotics.

    Courses Included in this Certificate

    • A Manager’s Guide to Artificial Intelligence
    • A Manager’s Guide to Robotics
    • A Manager’s Guide to Blockchain

    Notes

    This course has an “Ask the Expert” feature, which submits your questions directly to an expert in the field you are studying. Questions are answered as quickly as possible and usually within 24 hours.

    Learners must achieve an average test score of at least 70% to meet the minimum successful completion requirement and qualify to receive IACET CEUs. Learners will have three attempts at all graded assessments.

    These courses are available for purchase individually. Please contact the CFT office for more information.

    Audience:

  • CFT Certificate in Online Learning

    Creating effective online learning courses and simulations can be a challenge. There are tools and techniques, as well as best practices, that can help those designing and creating online learning content for organizations and institutions of higher education. This Certificate in Online Learning offered by the National Institute of Online Learning (NIOL) draws upon the lessons learned by the creative, editorial, and technical teams at MindEdge Learning. MindEdge Learning, founded in 1998, has developed online courses and simulations used by hundreds of thousands of students in higher education and the private sector. This certificate offers instruction on the major models, tools, and techniques in creating and delivering online learning. It reviews the fundamentals of general learning theory and how it can be applied, in practice, to online design and instruction. Further, the certificate provides a brief survey of the technology employed in online learning, best practices for teaching online, strategies for integrating narrative learning into an educational curriculum, and the basics of developing accessible online learning. Each of these self-paced courses offer an assortment of interactive exercises, selected readings, and self-assessments. Upon successful completion of all courses in this certificate program, you can download and print a Certificate of Completion. Courses included in this certificate program are listed at the bottom of this page.

    Courses Included in this Certificate

    • Introduction to Online Learning 
    • Teaching Online 
    • The Technology of Online Learning
    • Narrative Learning 
    • Online Learning Accessibility 

    Notes

    These courses are available for purchase individually. Please contact the CFT office for more information.

    This course has an “Ask the Expert” feature, which submits your questions directly to an expert in the field you are studying. Questions are answered as quickly as possible and usually within 24 hours.

    Learners must achieve an average test score of at least 70% to meet the minimum successful completion requirement and qualify to receive IACET CEUs. Learners will have three attempts at all graded assessments.

    Audience:

  • CFT Certificate in Web Design

    A well-designed website is essential for any organization today, with so many people consuming much of their information online. This suite of courses will teach you the skills you’ll need to build a website of your own. Building a website involves a lot more than just writing code. Before you start on that, you need to understand what you want your website to do, how it will look, who you want it to reach, and what message it should send. The first five courses in the suite will introduce you to the basics of designing a functional and attractive site, the HTML and CSS languages you’ll need to execute your design, and best practices for designing and building a website that responds intelligently to the needs of users. The capstone course will guide you through a scenario-based web design project from conception to completion. Each course features video commentary by web design professionals and interactive learning exercises that will allow you to test your knowledge of web design concepts and practice coding.

    Courses included in this suite

    • Introduction to Web Design 
    • Responsive Web Design 
    • JavaScript for Web Design 
    • HTML for Web Design 
    • CSS for Web Design 
    • Web Design Capstone: Seaside Bed and Breakfast 

    Notes

    This course has an “Ask the Expert” feature, which submits your questions directly to an expert in the field you are studying. Questions are answered as quickly as possible and usually within 24 hours.

    Learners must achieve an average test score of at least 70% to meet the minimum successful completion requirement and qualify to receive IACET CEUs. Learners will have three attempts at all graded assessments.

    Audience:

  • CFT Computer Skills for the Office Certificate

    Bring to your Office skills to a whole new level by diving into a suite set of powerful instructional courses. Excel with Excel, and move from the basics to an advanced level. Employ all of your newly-learned tips and tricks to unlock new dimensions from your data. Plus, expand your presentation prowess, with courses that deliver on the functional basics of the PowerPoint application while boosting your visual design skillset. Watch well-crafted video tutorials while reinforcing your learning with built-in knowledge checks, interactive exercises, and interactive games. Upon successful completion of all courses in this certificate program, you can download and print a Certificate of Completion And with this special pricing, you’ll get the Excel Basics course free and a cumulative discount of 38%, versus buying each course separately.

    Courses Included in this Certificate

    • PowerPoint for Business
    • Excel Basics
    • Visual PowerPoint 
    • Excel Tips & Tricks 
    • Excel Advanced Skills 
    • Microsoft Word Basics 

    Notes

    This course has an “Ask the Expert” feature, which submits your questions directly to an expert in the field you are studying. Questions are answered as quickly as possible and usually within 24 hours.

    Learners must achieve an average test score of at least 70% to meet the minimum successful completion requirement and qualify to receive IACET CEUs. Learners will have three attempts at all graded assessments.

    These courses are available for purchase individually. Please contact the CFT office for more information. 

    Audience:

  • CFT Finance Essentials for Managers Certificate

    This online certificate program introduces non-financial managers to the essentials of finance. The course will help you become conversant in critical financial terminology, and you’ll learn how to calculate key financial management indicators.

    You will learn how to assess your organization’s financial health by reviewing balance sheets, income statements, and statements of cash flow, and you will discover how finance and accounting tools can be used to support informed decision making within organizations.

    Each 3 to 5 hour, self-paced course offers an assortment of interactive exercises, videos, selected readings, case studies, and self-assessments that engage you and structure your learning about organizational finance.

    Upon successful completion of all courses in this certificate program, you can download and print a Certificate of Completion.

    Courses Included in this Certificate

    • How to Read a Financial Statement
    • Introduction to Finance 
    • Introduction to Business Statistics
    • Financial Planning and Control 
    • Time Value of Money and Risk 
    • Understanding and Managing Budgets

    Notes

    All courses in this certificate have an “Ask the Expert” feature, which submits your questions directly to an expert in the field you are studying. Questions are answered as quickly as possible and usually within 24 hours.

    This course does not require any additional purchases of supplementary materials.

    Learners must achieve an average test score of at least 70% to meet the minimum successful completion requirement and qualify to receive IACET CEU credit. Learners will have three attempts at all graded assessments.

    These courses are available for purchase individually. Please contact the CFT office for more information.

    Audience:

  • CFT Human Resources Ethics Certificate

    Human resources professionals are charged with supporting the success of their organizations in ways that are ethical and socially responsible. Ethical organizations must consider questions about what is right and fair in all decision-making processes. Because HR professionals are involved in designing and enforcing policies that impact the people who work in an organization, they play an especially powerful role in shaping the ethical culture. Each of these 1.5-hour courses explores the relationship between human resources and creating an ethical workplace. While some delve into theoretical and philosophical questions about how we can know what is right and wrong, others focus on applying theory to practice in an organizational setting. After completing the courses in this certificate, the learner will be prepared to play an essential role in shaping the ethical culture in their workplace. Each self-paced course features an assortment of interactive exercises, videos, case studies, and assessments.

    Courses Included in this Certificate

    • HR Ethics Series: Defining Business Ethics 
    • HR Ethics Series: Ethical Decision Making 
    • HR Ethics Series: Theories of Ethics 
    • HR Ethics Series: Capitalism, Inequality, and Justice 
    • HR Ethics Series: Corporations and Corporate Social Responsibility 
    • HR Ethics Series: Common Ethical Challenges
    • HR Ethics Series: Leadership and Organizational Ethics 
    • HR Ethics Series: Issues in the Workplace 
    • HR Ethics Series: Globalization and Ethics 
    • HR Ethics Series: Building and Ethical Organization 

    These courses are available for purchase individually. Please contact the CFT office for more information.

    Audience:

  • CFT Introduction to Business Analysis Certificate

    Business analysis is the discipline of identifying business needs and requirements and designing and executing solutions to business problems. This introductory course provides a wide-ranging overview of the principles and concepts of business analysis, with a focus on the following six areas: needs assessment, stakeholder engagement, requirements elicitation, requirements analysis, requirements tracing and monitoring, and solution evaluation. This course covers the common stages of a business analysis project and describes common terminology and tools and techniques utilized by a business analyst. It provides subject matter expert testimony by business analysis practitioners on important topics related to successfully completing business analysis activities. This course also considers the place of business analysis and product development life cycles within the greater scheme of project life cycle management. While this course is not officially or directly aligned as an exam prep course, it contains sufficient content that can be used as a resource for individuals preparing for the PMI-PBA® or IIBA-CBAP® certification exams, containing over 170 questions.

    Learning Outcomes

    After completing this course, the learner should be able to:

    • Explain the general concepts of business analysis and its strategic importance
    • Discuss the role of the business analyst in different organizations and identify skills needed
    • Describe the concept of requirements and identify the various types of analysis
    • Create a needs assessment and roadmap to the future state
    • Analyze current capabilities, design future state options, and recommend the best option for implementation
    • Identify and engage with stakeholders to prepare them for the transition to the future state
    • Define requirements elicitation and outline the elicitation process
    • Employ analysis tools and techniques to refine requirements in order to validate, verify, and prioritize requirements and essential product information
    • Manage changes, linkages, and dependencies related to requirements
    • Evaluate the solution to determine business value and the product’s fitness for release

    Notes

    This course has an “Ask the Expert” feature, which submits your questions directly to an expert in the field you are studying. Questions are answered as quickly as possible and usually within 24 hours.

    This course does not require any additional purchases of supplementary materials.

    Learners must achieve an average test score of at least 70% to meet the minimum successful completion requirement and qualify to receive IACET CEUs. Learners will have three attempts at all graded assessments.

    The following list outlines the PDUs you will earn for completing this course, based on the certification you have.

    Audience:

  • CFT Introduction to Human Resource Management Certificate

    An effective human resource management strategy is a valuable asset to any company, but those running small businesses often cannot justify designating a full-time HR professional to manage employee relations, compensation, policy-making, performance management, and employee appraisals. This suite of courses will teach you the basics of managing the benefits and policies that support an effective staff. What does an employer need to know about anti-discrimination regulations? What are the key aspects of pay policies? How can employers avoid the traps of the employee selection process? In this suite of courses, you will discover the answers to these and other important questions. Each 3 to 5 hour, self-paced course offers an assortment of interactive exercises, videos, selected readings, case studies, and self-assessments that will engage you and structure your learning about human resource management. Upon successful completion, you can download a printable certificate of completion for this online course suite. This certificate has no textbooks or prerequisites.

    Courses Included in this Certificate

    • Compensation and Benefits
    • Employee Selection
    • Performance Management
    • Equal Employment Opportunity
    • Talent Management and Career Development
    • Introduction to Human Resource Management
    • Data and Human Resource Management

    Notes

    All courses in this certificate have an “Ask the Expert” feature, which submits your questions directly to an expert in the field you are studying. Questions are answered as quickly as possible and usually within 24 hours.

    This course does not require any additional purchases of supplementary materials.

    Learners must achieve an average test score of at least 70% to meet the minimum successful completion requirement and qualify to receive IACET CEU credit. Learners will have three attempts at all graded assessments.

    Audience:

  • CFT Introduction to Leadership Certificate

    What is leadership and why is it important? How does a leader encourage change without triggering fearful resistance? What are the key elements to leading an effective team? What is the role of charisma in leadership? How can a leader achieve work-life balance? This suite of courses addresses all of these questions and many more. The courses in this suite offer advice on leadership that can help you stand out as a leader among your peers. Video segments introduce successful leaders who discuss such issues as how leaders become leaders, leadership ethics, and the differences between leaders, managers, and administrators.

    Courses Included in this Certificate

    • Leaders and Work-Life Balance
    • Leading and Managing Change 
    • Leading Teams 
    • Introduction to Leadership
    • Body Language for Leaders

    Notes

    All courses in this certificate have an “Ask the Expert” feature, which submits your questions directly to an expert in the field you are studying. Questions are answered as quickly as possible and usually within 24 hours.

    This course does not require any additional purchases of supplementary materials.

    Learners must achieve an average test score of at least 70% to meet the minimum successful completion requirement and qualify to receive IACET CEUs. Learners will have three attempts at all graded assessments.

    These courses are available for purchase individually. Please contact the CFT office for more information. 

    Audience:

  • CFT Project Management for Information Technologies Certificate

    Project management refers to the art, or science, of directing projects. This course, Project Management for Information Technology, focuses more specifically on how project management concepts can be applied to IT projects, as well as on project management issues that are unique to IT projects. It reviews the concepts, methodologies, and tools of project management as it relates to IT. Students will also learn about fundamentals, such as integration management, scope, costing, quality, human resources, risk management, and procurement.

    This course contains eight comprehensive module quizzes and a 70-question final assessment spanning IT project management areas of knowledge.

    Learning Outcomes

    • Apply concepts from A Guide to the Project Management Body of Knowledge (PMBOK® Guide), to IT projects
    • Explain the technical processes that might be applied during the IT project life cycle
    • Describe the importance of scope control for IT projects and different tools that can be used to manage project scope
    • Explain the challenges associated with delivering IT projects on time
    • Differentiate between different techniques for managing the project schedule
    • Discuss why cost management is difficult for IT projects and describe cost estimation methods, Earned Value Management, and portfolio management
    • Explain several maturity models and how they can be applied to improve IT project quality
    • Explain various approaches for team building and communicating on IT projects
    • Discuss different sources of IT project risk and how to manage them
    • Describe issues related to IT project procurement, such as outsourcing decisions, e-procurement, and others

    Notes

    This course assumed a working knowledge of basic project management functions and terminology. No additional purchase is required.

    This course has an “Ask the Expert” feature, which submits your questions directly to an expert in the field you are studying. Questions are answered as quickly as possible and usually within 24 hours.

    Learners must achieve an average test score of at least 70% to meet the minimum successful completion requirement and qualify to receive IACET CEU credit. Learners will have three attempts at all graded assessments.

    Project Management Institute, PMI, the Registered Education Provider logo, Project Management Professional, PMP, Project Management Body of Knowledge, PMBOK, PMI Agile Certified Practitioner, PMI-ACP, PMI Risk Management Professional, PMI-RMP, the PMI Talent Triangle, and the PMI Talent Triangle logo are marks of the Project Management Institute, Inc.

    Information

    Audience:

  • CFT Project Management for Teams Certificate

    The vast majority of project work in today’s organizations is done in a team setting. In this environment, project management team leaders have a tremendous responsibility and opportunity to develop and exhibit leadership skills. This course first discusses the roles and responsibilities of the project management team leader, in particular their responsibility with regard to project stakeholders. Next, the course discusses how project management team leaders can build a positive team environment through effective communication, team building activities, and reflective listening.

    Lastly, the course covers problem solving within the team. Project management team leaders must be effective at identifying and resolving team problems in order for the project to succeed. To do this, team leaders must have an understanding of the team dynamic for decision-making and must be able to manage conflict among personality differences and barriers.

    Courses Titles

    • Project Management Leadership
    • Managing Real World Projects 
    • Effectively Managing Project Stakeholders
    • PM Primer: Conflict Resolution
    • PM Primer: Cognitive Ability and Decisiveness 

    These courses are available for purchase individually. Please contact the CFT office for more information. 

    Audience:

  • CFT Project Management Team Leadership Certificate

    The vast majority of project work in today’s organizations is done in a team setting. In this environment, project management team leaders have a tremendous responsibility and opportunity to develop and exhibit leadership skills. This course first discusses the roles and responsibilities of the project management team leader, in particular, their responsibility with regard to project stakeholders. Next, the course discusses how project management team leaders can build a positive team environment through effective communication, team building activities, and reflective listening. Lastly, the course covers problem-solving within the team. Project management team leaders must be effective in identifying and resolving team problems in order for the project to succeed. To do this, team leaders must have an understanding of the team dynamic for decision-making and must be able to manage conflict among personality differences and barriers.

    • Define a team and identify six common types of teams
    • Explain Bruce Tuckman’s model of group development
    • Describe how the project life cycle is relevant to team issues
    • List the three sources of power for project management team leaders
    • Describe ways to manage stakeholder expectations
    • Explain different types of team building activities
    • Define reflective listening
    • Identify the challenges of virtual teams and how they relate to the project management team leader’s roles
    • Compare and contrast voting and consensus as methods for decision-making
    • More effectively identify and resolve team problems
    • Explain the different characteristics of effective and open team communication
    • Identify the best practices for using e-mail and telephone among team members
    • Identify several common team problems and apply methods for resolving these issues

    Notes

    This course has an “Ask the Expert” feature, which submits your questions directly to an expert in the field you are studying. Questions are answered as quickly as possible and usually within 24 hours.

    This course does not require any additional purchases of supplementary materials.

    Learners must achieve an average test score of at least 70% to meet the minimum successful completion requirement and qualify to receive IACET CEU credit. Learners will have three attempts at all graded assessments.

    This course assumed a working knowledge of basic project management functions and terminology.

    Project Management Institute, PMI, the Registered Education Provider logo, Project Management Professional, PMP, Project Management Body of Knowledge, PMBOK, PMI Agile Certified Practitioner, PMI-ACP, PMI Risk Management Professional, PMI-RMP, the PMI Talent Triangle, and the PMI Talent Triangle logo are marks of the Project Management Institute, Inc.

    Information in this course has been taken from A Guide to the Project Management Body of Knowledge, (PMBOK®Guide) — Sixth Edition, Project Management Institute Inc., 2017.

     

    Audience:

  • CFT The Effective Manager's Toolbox Certificate

    There are a number of managerial factors that are vital in managing and leading. Becoming a better manager or leader is directly connected to how well you can master them. The Effective Manager’s Toolbox is a suite of online modules designed to give managers a head start on managing issues correctly and professionally with less stress and fewer negative organizational circumstances. The modules offer learners an explanation of the managerial mindset that all managers and leaders must adopt to succeed.

    After careful consideration of the relevant and reference managerial and leadership factors, including such topics as dealing with direct reports, solving problems, planning and budgeting, handling conflict, and others, learners are given a series of video-based scenarios and asked to consider how they would handle the challenges presented for the most optimal results.

    Upon completion, learners are given a summary of what they’ve learned for quick reference while at work.

    Learning Outcomes

    • Inhabit the managerial mindset
    • Understand what employees want from their jobs
    • Understand how managers lead
    • Recognize the components of a manager’s job including enforcing policies and procedures, controlling expenses, dealing with subordinates and superiors, planning and budgeting, recruiting and developing talent, and solving problems
    • Implement the qualities that make an effective leader
    • Address real-world managerial problems in customer service, cost budgeting, cost cutting, and vendor relations

    Notes

    This course has an “Ask the Expert” feature, which submits your questions directly to an expert in the field you are studying. Questions are answered as quickly as possible and usually within 24 hours.

    This course does not require any additional purchases of supplementary materials.

    Project Management Institute, PMI, the Registered Education Provider logo, Project Management Professional, PMP, Project Management Body of Knowledge, PMBOK, PMI Agile Certified Practitioner, PMI-ACP, PMI Risk Management Professional, PMI-RMP, the PMI Talent Triangle, and the PMI Talent Triangle logo are marks of the Project Management Institute, Inc.

    Audience:

  • Changed Loans: Is the Borrower Entitled to the Right of Rescission

    Fully understand when the right of rescission applies to modifications and refinances to protect against a powerful penalty!

    What You’ll Learn

    After successfully completing the course, you will be able to:

    • Define the right of rescission in refinances and modifications
    • Understand  how loan refinances and modifications are impacted by the right to rescind
    • Identify individuals with the right to rescind
    • Understand lender responsibilities and timelines
    • Understand the required steps when a consumer rescinds a mortgage loan

    Audience: n/a

  • Closing Accounts

    When and how do we close accounts? How should the check be made out? What to do when members disagree on closing the account. This program will focus on the personal account issues of closing accounts and taking off signers in this complex world.

    Covered Topics:
    -What to do when the joint members no longer want to be joint?
    -Who has the right to remove names at death?
    -How to close a UTMA account?
    -What to do when members want to remove a signer? Add a signer?
    -Issues on closing business accounts
    -And many more difficult issues!

    Audience: Share Account Representatives, Member Service Representatives, Personal Bankers, Branch Managers, and Branch Operations, Share Compliance Officer and Staff and all Share personnel will benefit from attending this webinar.

  • Coaching

    Guides you through cultivating a coaching relationship. Learn how to recognize coaching opportunities and invite an employee into a coaching relationship. Explore how to identify each employee’s skills and their opportunities for development. Discover ways to collaboratively create a coaching plan.

    What You’ll Learn

    After successfully completing the course, you will be able to:

    • Describe the benefits of coaching
    • Discuss development opportunities with the employee
    • Create an effective coaching plan with the employee

    Audience: For Management and Leadership Skills. Managers, supervisors, and mentors responsible for coaching others with or without a reporting relationship.

  • Coaching to Support the Sales Process Suite

    This suite of three courses, one exercise module, and one toolkit* explores best practices for providing successful sales coaching. Completing this suite provides techniques for building your sales team’s skills at every step in the Relationship Sales Process, and supporting them in order to achieve sales goals and meet organizational objectives. Concise, impactful lessons can be applied on the job immediately.

    Courses*

    *Only available as a suite

    • Preparing to Coach
      Guides you through the sales coaching process as a means to build the skills essential to a sales team’s success. Explore the role of a sales coach. Discover ways to develop your team to better support organizational goals.
    • Managing Sales Performance
      Guides you through techniques for improving sales team performance at every step of the Relationship Sales Process. Discover ways to build product and market knowledge, as well as sales and communication skills.
    • Providing Ongoing Support
      Guides you through setting challenging, achievable, and measurable sales goals, both long- and short-term. Uncover way to keep your team motivated towards meeting objectives that support your bank’s success.
    • Coaching to Support the Sales Process – Apply What You’ve Learned
      Practice coaching techniques to help improve performance and contribute towards achieving business goals.
    • Toolkit
      Guides you through working with a sales team to increase their learning retention and provides additional reference materials for on-the-job application of performance-improving coaching skills.

    Audience: Managers, Supervisors, Team Leads of branch and administrative office sales staff, call center staff, tellers, new hires, and anyone who may interact with customers.

  • Collecting Defaulted Loans - New

    This course is designed to assist banking professionals in understanding the civil litigation process as it relates to mortgage foreclosures, deficiency judgments, suits against borrowers and guarantors and other actions related to loan collection. Special assets officers, loan officers, credit officers, loan document preparation specialists, loan booking specialists, in house counsel, paralegals, and other bankers involved in the loan collection process will benefit from this course by gaining an understanding of our civil court system and how a case proceeds from start to finish, how to minimize delays in the process, addressing common defenses brought by borrowers and guarantors, how deficiency judgments are obtained and, more importantly, collected, the impact of bankruptcy on loan collection litigation and more! The focus is on commercial loans but bankers working with residential and consumer credits will also benefit as the majority of the concepts discussed are applicable there as well. The course materials will include a copy of the instructor’s most recent book entitled Mortgage Foreclosure and Loan Collection: A Practical Guide for Lenders.

    Topics covered will include:

    – Loan defaults and remedies

    – Analyzing the collateral lien position

    – Understanding the mortgage foreclosure process

    – Obtaining and collecting deficiency and other money judgments

    – Managing litigation costs

    And more!

    This seminar is taught by a Florida attorney with more than 30 years of experience in representing banks and other lenders in mortgage foreclosure and other loan collection actions.

    Audience: Special Assets Officers, Loan Officers, Credit Officers, Loan Document Preparation Specialists, Loan Booking Specialists, In-house Counsel, Paralegals, and other bankers involved in the loan collection process

  • Commercial Compliance Overview

    Financial institutions need to comply with certain lending laws. Explore the Equal Credit Opportunity Act (ECOA), Regulation O, the Home Mortgage Disclosure Act (HMDA) and other regulations relevant to your role.

    Audience: n/a

  • Commercial Lending

    Suitable for anyone who wants to learn more about the commercial lending process—the backbone of most banks’ lending portfolios. Learn what goes into making a successful commercial loan and how to manage a customer relationship once the loan is approved.

    Learning Objectives

    • Recognize the process and types of information business bankers should acquire during a business development call
    • Identify sources of repayment that are appropriate for various commercial loan borrowing arrangements and the factors that affect collateral value
    • Explain the process and importance of a credit investigation
    • Identify and explain the loan negotiation process
    • Identify the causes of problem loans and steps to resolving them

    Audience: Commercial and/or business bankers and credit analysts. Students should take Analyzing Financial Statements prior to this course or have equivalent work experience.

  • Commercial Lending

    Suitable for anyone who wants to learn more about the commercial lending process—the backbone of most banks’ lending portfolios. Learn what goes into making a successful commercial loan and how to manage a customer relationship once the loan is approved.

    Learning Objectives

    • Recognize the process and types of information business bankers should acquire during a business development call
    • Identify sources of repayment that are appropriate for various commercial loan borrowing arrangements and the factors that affect collateral value
    • Explain the process and importance of a credit investigation
    • Identify and explain the loan negotiation process
    • Identify the causes of problem loans and steps to resolving them

    Audience: Commercial and/or business bankers and credit analysts. Students should take Analyzing Financial Statements prior to this course or have equivalent work experience.

  • Commercial Lending

    This course will give you the knowledge and skills you need to be an effective commercial lender. After successfully completing this course, you will be able to: explain why good human relations skills are critically important to the successful lending officer in many stages of the commercial lending process; identify the functions of the loan interview and credit investigation; describe how the borrower’s financing needs and business type can affect the structuring of a loan; list important elements of loan documents and describe their functions; and name some warning signs of problem loans and identify ways that you can prevent problem loans.

    Textbook chapter topics include:

    • The Commercial Lending Process and Initial Business – -Development Calls
    • Credit Investigation and Assessing Industry, Market, and – Management Risk
    • Loan Policies and Procedures, Including Credit Risk -Ratings
    • Loan Packages and Credit Write-Ups
    • Commercial Loan Structuring
    • Identifying Viable Secondary and Tertiary Sources of -Repayment
    • Key Documents, Loan Agreements, and Covenants
    • Loan Pricing and Negotiating
    • Problem Loans

    Audience: Designed for entry-level commercial lending officers, loan officer trainees, or personnel supporting commercial lending officers

  • Commercial Lending

    Suitable for anyone who wants to learn more about the commercial lending process—the backbone of most banks’ lending portfolios. Learn what goes into making a successful commercial loan and how to manage a customer relationship once the loan is approved.

    Learning Objectives

    • Recognize the process and types of information business bankers should acquire during a business development call
    • Identify sources of repayment that are appropriate for various commercial loan borrowing arrangements and the factors that affect collateral value
    • Explain the process and importance of a credit investigation
    • Identify and explain the loan negotiation process
    • Identify the causes of problem loans and steps to resolving them

    Audience: Commercial and/or business bankers and credit analysts. Students should take Analyzing Financial Statements prior to this course or have equivalent work experience.

  • Commercial Lending

    The Commercial Lending course is ACE recommended for College Credit Transfer!

    This course will give you the knowledge and skills you need to be an effective commercial lender. After successfully completing this course, you will be able to: explain why good human relations skills are critically important to the successful lending officer in many stages of the commercial lending process; identify the functions of the loan interview and credit investigation; describe how the borrower’s financing needs and business type can affect the structuring of a loan; list important elements of loan documents and describe their functions; and name some warning signs of problem loans and identify ways that you can prevent problem loans.

    Textbook chapter topics include:

    • The Commercial Lending Process and Initial Business Development Calls
    • Credit Investigation and Assessing Industry, Market, and Management Risk
    • Loan Policies and Procedures, Including Credit Risk Ratings
    • Loan Packages and Credit Write-Ups
    • Commercial Loan Structuring
    • Identifying Viable Secondary and Tertiary Sources of Repayment
    • Key Documents, Loan Agreements, and Covenants
    • Loan Pricing and Negotiating
    • Problem Loans

    Audience: Designed for entry-level commercial lending officers, loan officer trainees, or personnel supporting commercial lending officers.

  • Commercial Lending

    This course will give you the knowledge and skills you need to be an effective commercial lender. After successfully completing this course, you will be able to: explain why good human relations skills are critically important to the successful lending officer in many stages of the commercial lending process; identify the functions of the loan interview and credit investigation; describe how the borrower’s financing needs and business type can affect the structuring of a loan; list important elements of loan documents and describe their functions; and name some warning signs of problem loans and identify ways that you can prevent problem loans.

    Textbook chapter topics include:

    • The Commercial Lending Process and Initial Business Development Calls
    • Credit Investigation and Assessing Industry, Market, and Management Risk
    • Loan Policies and Procedures, Including Credit Risk Ratings
    • Loan Packages and Credit Write-Ups
    • Commercial Loan Structuring
    • Identifying Viable Secondary and Tertiary Sources of Repayment
    • Key Documents, Loan Agreements, and Covenants
    • Loan Pricing and Negotiating
    • Problem Loans

    Audience: Designed for entry-level commercial lending officers, loan officer trainees, or personnel supporting commercial lending officers

  • Commercial Lending

    This course will give you the knowledge and skills you need to be an effective commercial lender. After successfully completing this course, you will be able to: explain why good human relations skills are critically important to the successful lending officer in many stages of the commercial lending process; identify the functions of the loan interview and credit investigation; describe how the borrower’s financing needs and business type can affect the structuring of a loan; list important elements of loan documents and describe their functions; and name some warning signs of problem loans and identify ways that you can prevent problem loans.

    Textbook chapter topics include:

    • The Commercial Lending Process and Initial Business Development Calls
    • Credit Investigation and Assessing Industry, Market, and Management Risk
    • Loan Policies and Procedures, Including Credit Risk Ratings
    • Loan Packages and Credit Write-Ups
    • Commercial Loan Structuring
    • Identifying Viable Secondary and Tertiary Sources of Repayment
    • Key Documents, Loan Agreements, and Covenants
    • Loan Pricing and Negotiating
    • Problem Loans

    Audience: Designed for entry-level commercial lending officers, loan officer trainees, or personnel supporting commercial lending officers

  • Commercial Lending

    This course will give you the knowledge and skills you need to be an effective commercial lender. After successfully completing this course, you will be able to: explain why good human relations skills are critically important to the successful lending officer in many stages of the commercial lending process; identify the functions of the loan interview and credit investigation; describe how the borrower’s financing needs and business type can affect the structuring of a loan; list important elements of loan documents and describe their functions; and name some warning signs of problem loans and identify ways that you can prevent problem loans.

    Textbook chapter topics include:

    • The Commercial Lending Process and Initial Business Development Calls
    • Credit Investigation and Assessing Industry, Market, and Management Risk
    • Loan Policies and Procedures, Including Credit Risk Ratings
    • Loan Packages and Credit Write-Ups
    • Commercial Loan Structuring
    • Identifying Viable Secondary and Tertiary Sources of Repayment
    • Key Documents, Loan Agreements, and Covenants
    • Loan Pricing and Negotiating
    • Problem Loans

    Audience: Designed for entry-level commercial lending officers, loan officer trainees, or personnel supporting commercial lending officers

  • Commercial Lending

    This course will give you the knowledge and skills you need to be an effective commercial lender. After successfully completing this course, you will be able to: explain why good human relations skills are critically important to the successful lending officer in many stages of the commercial lending process; identify the functions of the loan interview and credit investigation; describe how the borrower’s financing needs and business type can affect the structuring of a loan; list important elements of loan documents and describe their functions; and name some warning signs of problem loans and identify ways that you can prevent problem loans.

    Textbook chapter topics include:

    • The Commercial Lending Process and Initial Business Development Calls
    • Credit Investigation and Assessing Industry, Market, and Management Risk
    • Loan Policies and Procedures, Including Credit Risk Ratings
    • Loan Packages and Credit Write-Ups
    • Commercial Loan Structuring
    • Identifying Viable Secondary and Tertiary Sources of Repayment
    • Key Documents, Loan Agreements, and Covenants
    • Loan Pricing and Negotiating
    • Problem Loans

    Audience: Designed for entry-level commercial lending officers, loan officer trainees, or personnel supporting commercial lending officers

  • Commercial Lending

    This course will give you the knowledge and skills you need to be an effective commercial lender. After successfully completing this course, you will be able to: explain why good human relations skills are critically important to the successful lending officer in many stages of the commercial lending process; identify the functions of the loan interview and credit investigation; describe how the borrower’s financing needs and business type can affect the structuring of a loan; list important elements of loan documents and describe their functions; and name some warning signs of problem loans and identify ways that you can prevent problem loans.

    Textbook chapter topics include:

    • The Commercial Lending Process and Initial Business Development Calls
    • Credit Investigation and Assessing Industry, Market, and Management Risk
    • Loan Policies and Procedures, Including Credit Risk Ratings
    • Loan Packages and Credit Write-Ups
    • Commercial Loan Structuring
    • Identifying Viable Secondary and Tertiary Sources of Repayment
    • Key Documents, Loan Agreements, and Covenants
    • Loan Pricing and Negotiating
    • Problem Loans

    Audience: Designed for entry-level commercial lending officers, loan officer trainees, or personnel supporting commercial lending officers

  • Commercial Lending

    The Commercial Lending course is ACE recommended for College Credit Transfer!

    This course will give you the knowledge and skills you need to be an effective commercial lender. After successfully completing this course, you will be able to: explain why good human relations skills are critically important to the successful lending officer in many stages of the commercial lending process; identify the functions of the loan interview and credit investigation; describe how the borrowerƒ??s financing needs and business type can affect the structuring of a loan; list important elements of loan documents and describe their functions; and name some warning signs of problem loans and identify ways that you can prevent problem loans.

    Textbook chapter topics include:
    – The Commercial Lending Process and Initial Business – -Development Calls
    – Credit Investigation and Assessing Industry, Market, and – Management Risk
    – Loan Policies and Procedures, Including Credit Risk -Ratings
    – Loan Packages and Credit Write-Ups
    – Commercial Loan Structuring
    – Identifying Viable Secondary and Tertiary Sources of -Repayment
    – Key Documents, Loan Agreements, and Covenants
    – Loan Pricing and Negotiating
    – Problem Loans

    Audience: Designed for entry-level commercial lending officers, loan officer trainees, or personnel supporting commercial lending officers

  • Commercial Lending

    The Commercial Lending course is ACE recommended for College Credit Transfer!

    This course will give you the knowledge and skills you need to be an effective commercial lender. After successfully completing this course, you will be able to: explain why good human relations skills are critically important to the successful lending officer in many stages of the commercial lending process; identify the functions of the loan interview and credit investigation; describe how the borrowerƒ??s financing needs and business type can affect the structuring of a loan; list important elements of loan documents and describe their functions; and name some warning signs of problem loans and identify ways that you can prevent problem loans.

    Textbook chapter topics include:
    – The Commercial Lending Process and Initial Business – -Development Calls
    – Credit Investigation and Assessing Industry, Market, and – Management Risk
    – Loan Policies and Procedures, Including Credit Risk -Ratings
    – Loan Packages and Credit Write-Ups
    – Commercial Loan Structuring
    – Identifying Viable Secondary and Tertiary Sources of -Repayment
    – Key Documents, Loan Agreements, and Covenants
    – Loan Pricing and Negotiating
    – Problem Loans

    Audience: Designed for entry-level commercial lending officers, loan officer trainees, or personnel supporting commercial lending officers

  • Commercial Lending

    The Commercial Lending course is ACE recommended for College Credit Transfer!

    This course will give you the knowledge and skills you need to be an effective commercial lender. After successfully completing this course, you will be able to: explain why good human relations skills are critically important to the successful lending officer in many stages of the commercial lending process; identify the functions of the loan interview and credit investigation; describe how the borrower’s financing needs and business type can affect the structuring of a loan; list important elements of loan documents and describe their functions; and name some warning signs of problem loans and identify ways that you can prevent problem loans.

    Textbook chapter topics include:

    • The Commercial Lending Process and Initial Business – -Development Calls
    • Credit Investigation and Assessing Industry, Market, and – Management Risk
    • Loan Policies and Procedures, Including Credit Risk -Ratings
    • Loan Packages and Credit Write-Ups
    • Commercial Loan Structuring
    • Identifying Viable Secondary and Tertiary Sources of -Repayment
    • Key Documents, Loan Agreements, and Covenants
    • Loan Pricing and Negotiating
    • Problem Loans

    Audience: Designed for entry-level commercial lending officers, loan officer trainees, or personnel supporting commercial lending officers

  • Commercial Lending

    The Commercial Lending course is ACE recommended for College Credit Transfer!

    This course will give you the knowledge and skills you need to be an effective commercial lender. After successfully completing this course, you will be able to: explain why good human relations skills are critically important to the successful lending officer in many stages of the commercial lending process; identify the functions of the loan interview and credit investigation; describe how the borrower’s financing needs and business type can affect the structuring of a loan; list important elements of loan documents and describe their functions; and name some warning signs of problem loans and identify ways that you can prevent problem loans.

    Textbook chapter topics include:

    • The Commercial Lending Process and Initial Business – -Development Calls
    • Credit Investigation and Assessing Industry, Market, and – Management Risk
    • Loan Policies and Procedures, Including Credit Risk -Ratings
    • Loan Packages and Credit Write-Ups
    • Commercial Loan Structuring
    • Identifying Viable Secondary and Tertiary Sources of -Repayment
    • Key Documents, Loan Agreements, and Covenants
    • Loan Pricing and Negotiating
    • Problem Loans

    Audience: Designed for entry-level commercial lending officers, loan officer trainees, or personnel supporting commercial lending officers

  • Commercial Lending

    This course will give you the knowledge and skills you need to be an effective commercial lender. After successfully completing this course, you will be able to: explain why good human relations skills are critically important to the successful lending officer in many stages of the commercial lending process; identify the functions of the loan interview and credit investigation; describe how the borrower’s financing needs and business type can affect the structuring of a loan; list important elements of loan documents and describe their functions; and name some warning signs of problem loans and identify ways that you can prevent problem loans.

    Textbook chapter topics include:

    • The Commercial Lending Process and Initial Business Development Calls
    • Credit Investigation and Assessing Industry, Market, and Management Risk
    • Loan Policies and Procedures, Including Credit Risk Ratings
    • Loan Packages and Credit Write-Ups
    • Commercial Loan Structuring
    • Identifying Viable Secondary and Tertiary Sources of Repayment
    • Key Documents, Loan Agreements, and Covenants
    • Loan Pricing and Negotiating
    • Problem Loans

    Audience: Designed for entry-level commercial lending officers, loan officer trainees, or personnel supporting commercial lending officers

  • Commercial Lending

    This course will give you the knowledge and skills you need to be an effective commercial lender. After successfully completing this course, you will be able to: explain why good human relations skills are critically important to the successful lending officer in many stages of the commercial lending process; identify the functions of the loan interview and credit investigation; describe how the borrower’s financing needs and business type can affect the structuring of a loan; list important elements of loan documents and describe their functions; and name some warning signs of problem loans and identify ways that you can prevent problem loans.

    Textbook chapter topics include:

    • The Commercial Lending Process and Initial Business Development Calls
    • Credit Investigation and Assessing Industry, Market, and Management Risk
    • Loan Policies and Procedures, Including Credit Risk Ratings
    • Loan Packages and Credit Write-Ups
    • Commercial Loan Structuring
    • Identifying Viable Secondary and Tertiary Sources of Repayment
    • Key Documents, Loan Agreements, and Covenants
    • Loan Pricing and Negotiating
    • Problem Loans

    Audience: Designed for entry-level commercial lending officers, loan officer trainees, or personnel supporting commercial lending officers

  • Commercial Lending

    This course will give you the knowledge and skills you need to be an effective commercial lender. After successfully completing this course, you will be able to: explain why good human relations skills are critically important to the successful lending officer in many stages of the commercial lending process; identify the functions of the loan interview and credit investigation; describe how the borrower’s financing needs and business type can affect the structuring of a loan; list important elements of loan documents and describe their functions; and name some warning signs of problem loans and identify ways that you can prevent problem loans.

    Textbook chapter topics include:

    • The Commercial Lending Process and Initial Business Development Calls
    • Credit Investigation and Assessing Industry, Market, and Management Risk
    • Loan Policies and Procedures, Including Credit Risk Ratings
    • Loan Packages and Credit Write-Ups
    • Commercial Loan Structuring
    • Identifying Viable Secondary and Tertiary Sources of Repayment
    • Key Documents, Loan Agreements, and Covenants
    • Loan Pricing and Negotiating
    • Problem Loans

    Audience: Designed for entry-level commercial lending officers, loan officer trainees, or personnel supporting commercial lending officers

  • Commercial Lending

    This course will give you the knowledge and skills you need to be an effective commercial lender. After successfully completing this course, you will be able to: explain why good human relations skills are critically important to the successful lending officer in many stages of the commercial lending process; identify the functions of the loan interview and credit investigation; describe how the borrower’s financing needs and business type can affect the structuring of a loan; list important elements of loan documents and describe their functions; and name some warning signs of problem loans and identify ways that you can prevent problem loans.

    Textbook chapter topics include:

    • The Commercial Lending Process and Initial Business Development Calls
    • Credit Investigation and Assessing Industry, Market, and Management Risk
    • Loan Policies and Procedures, Including Credit Risk Ratings
    • Loan Packages and Credit Write-Ups
    • Commercial Loan Structuring
    • Identifying Viable Secondary and Tertiary Sources of Repayment
    • Key Documents, Loan Agreements, and Covenants
    • Loan Pricing and Negotiating
    • Problem Loans

    Audience: Designed for entry-level commercial lending officers, loan officer trainees, or personnel supporting commercial lending officers

  • Commercial Lending

    Suitable for anyone who wants to learn more about the commercial lending process—the backbone of most banks’ lending portfolios. Learn what goes into making a successful commercial loan and how to manage a customer relationship once the loan is approved.

    Learning Objectives:
    Recognize the process and types of information business bankers should acquire during a business development call
    Identify sources of repayment that are appropriate for various commercial loan borrowing arrangements and the factors that affect collateral value
    Explain the process and importance of a credit investigation
    Identify and explain the loan negotiation process
    Identify the causes of problem loans and steps to resolving them

    Audience: Commercial and/or business bankers and credit analysts. Students should take Analyzing Financial Statements prior to this course or have equivalent work experience.

  • Commercial Lending

    Suitable for anyone who wants to learn more about the commercial lending process—the backbone of most banks’ lending portfolios. Learn what goes into making a successful commercial loan and how to manage a customer relationship once the loan is approved.

    Audience: Commercial and/or business bankers and credit analysts. Students should take Analyzing Financial Statements prior to this course or have equivalent work experience.

  • Commercial Loan Documentation Lessons from the Pandemic

    **E-book included in tuition fee**

    This 2 hour webinar examines the basic documents used in commercial and commercial real estate loan transactions. Particular emphasis is placed on drafting loan documents to better protect lenders from various issues arising out of pandemics and other disruptive occurrences.

    Audience: n/a

  • Commercial Loan Products and Structuring

    Learning Objectives:
    ƒ?› Working Capital Lines of Credit
    ƒ?› Term Loan/Equipment Loans, Owner Occupied
    ƒ?› Trade Finance/Letter of Credit
    ƒ?› How best to structure a commercial loan product
    ƒ?› Identify a viable primary, secondary and tertiary source of repayment
    ƒ?› Identify specific collateral for each loan product

    Audience: Commercial and/or business bankers and credit analysts.

  • Commercial Loan Products and Structuring

    Learning Objectives:
    ƒ?› Working Capital Lines of Credit
    ƒ?› Term Loan, Equipment Loans, Owner Occupied
    ƒ?› Trade Finance – Letter of Credit
    ƒ?› How best to structure a commercial loan product
    ƒ?› Identify a viable primary, secondary and tertiary source of repayment
    ƒ?› Identify specific collateral for each loan product

    Audience: Commercial and/or business bankers and credit analysts.

  • Communicating Vision

    Covers the components that engages leaders to be able to create a clear vision of future. Explains how to communicate the purpose of the journey, the desired goal, and the steps to take to achieve the vision. Describes how leaders can effectively convey a vision statement to motivate teams or workgroups.

    What You’ll Learn

    After successfully completing the course, you will be able to:

    • Clarify the reasons for the vision and end results
    • Create a vision statement that is easy to understand
    • Communicate your vision and determine action steps

    Audience: Any employee responsible for motivating staff regardless of the specific reporting relationships. This could include managers, supervisors, coaches, team leaders, and mentors.

  • Communication Basics Suite

    This suite of three courses* explores the primary elements of effective communications, key in delivering good customer service. Completing this suite provides tips for becoming an active listener, developing effective questioning, and understanding body language. Concise, impactful lessons can be applied on the job immediately.

    Courses*

    *Only available as a suite

    • Becoming a Better Listener
      Guides you through the concept of “active listening.” Learn how to use the Sender/Receiver model.
    • Communicating Effectively
      Guides you through the elements of effective communication. Discover how to apply the tenets of the T.H.I.N.K. acronym in your communications
    • The Importance of Body Language
      Guides you through understanding the role of body language in communicating. Discover how to better read body language in others. Understand the cultural differences of non-verbal gestures. Gain tips on controlling body language in order to support your verbal message.

    Audience: For Professional Skills. Branch and administrative office staff, call center staff, tellers, new hires, and anyone who may interact with customers.

  • Communication Skills for Business

    The Communication Skills for Business course explores the perception process that underlies and colors all communication.  It also focuses on two communication skills that are sometimes neglected: effective listening and nonverbal communication.  These skills are key elements in building good relationships with customers and co-workers.  After successfully completing this course, you will be able to:   define the five elements of the communication process and describe the key characteristics of communication;  describe and identify examples of nonverbal communication and the messages they send when used;  list the barriers to effective listening; and explain how understanding goals, norms and roles can help build better group communication; and list examples of norms that can affect team communication in financial institutions.

    Topics to be covered include:

    • Introduction to Communications
    • Perception
    • Verbal and Nonverbal Communication
    • Listening
    • Communication Channels
    • Handling Conflict
    • Influencing Others
    • Team Communication 

    Audience: Anyone wishing to sharpen their communication skills

  • Community Bank Online Training Suites

    Essential training for your bank’s bottom line

    Community banks face increasing competition from nontraditional sources, a changing branch model, increased consolidation and staffing challenges. And, making every customer interaction count is imperative to your bottom line.

    To meet these challenges—and to help you attract and retain talent–we’ve curated our online training catalog into course bundles that are cost-effective, flexible and get straight to the heart of what community banks and bankers need to stay competitive.

    Courses

     

    Price Ranges Per Suite:
    Member: $95.00 – $295.00
    Non-Member: $135.00 – $405.00

    Audience:

  • Community Bank Suite - Foundational Skills

    This training bundle groups courses by communication and frontline skills. Communication topics include effective listening and body language. The teller basics suite covers cash handling, customer service, bank security and more.

    Courses

    • Teller Basics Suite
      • Cash Handling
      • Handling Checks
      • Processing Transactions
      • Providing Quality Customer Service
      • Robbery and Bank Security
      • The Changing Role of the Teller

    Audience: For onboarding all bank personnel who needs an introduction to banking, whether just starting a career in the industry or a more experienced professional from a different industry, including specialists in non-banking functions such as marketing, information systems, and human resources.

  • Community Bank Suite - Management Skills

    Designed for rising leaders, this training bundle covers presentation skills and leadership in action and includes courses on change management, presentation skills, team building and virtual presentations.

    Courses

    Audience: First-time managers who are prepared to learn leadership skills or experienced managers and supervisors who want a refresher on leadership skills.

  • Community Bank Suite - Onboarding Basics

    For new and prospective bankers, this suite of courses serves as an introduction to banks as a business and covers deposits, lending, payments and technology, and security.

    Courses

    Audience: For onboarding. Anyone who needs an introduction to banking, whether just starting a career in the industry or a more experienced professional from a different industry, including specialists in non-banking functions such as marketing, information systems, and human resources.

  • Community Bank Suite - Sales Skills

    This suite of courses includes lessons on relationship building and sales planning, with topics including client portfolio management, creating sales portfolios, relationship sales and consultative selling.

    Courses

    • Relationship Sales Suite
      • The Relationship Sales Process
      • Consultative Selling
      • Relationship Sales – Apply What You’ve Learned
    • Sales Planning Suite
      • Creating Sales Portfolios
      • Managing Client Portfolios
      • Planning a Call
      • Sales Planning – Apply What You’ve Learned

    Audience: Branch and administrative office sales staff, call center staff, tellers, new hires, and anyone who may interact with customers.

  • Community Reinvestment Act

    Explains how regulators evaluate a bank’s efforts to meet the credit needs of the assessment area(s) it serves, and an overview of the bank examination categories and the ratings regulatory agencies use to define a bank’s performance. Describes the items a bank must keep in a public file.

    What You’ll Learn

    After completing this course, students will be able to:

    • Describe the primary purpose of the Community Reinvestment Act
    • Summarize key points in the development of the Community Reinvestment Act
    • Describe the information that must be made available to the public
    • Describe the categories for CRA examinations
    • Describe the ratings used to report CRA examination results
    • Identify performance standards used to determine the Community Reinvestment Act ratings for financial institutions

    Audience: Lenders and platform personnel with lending responsibilities.

  • Community Reinvestment Act (CRA) for Intermediate Institutions

    Discover why the Community Reinvestment Act (CRA) is important to intermediate institutions and your responsibilities under it. Also learn about the CRA evaluation and rating system, and related recordkeeping, reporting and disclosure requirements.

    Audience: n/a

  • Community Reinvestment Act (CRA) for Large Institutions

    Geared to large institutions, uncover your responsibilities under the Community Reinvestment Act (CRA), and explore its related evaluation and rating system, recordkeeping, reporting and disclosure requirements.

    Audience: n/a

  • Community Reinvestment Act, Community Bank (CRA) for Compliance Professionals

    Describes the purpose, background, and importance of CRA. Explains the technical rules for small banks, factors to consider when assessing CRA performance, and consequences of noncompliance, and explores information about CRA ratings and strategies to maintain a Satisfactory or Outstanding performance rating.

    What You’ll Learn
    After completing this course, students will be able to:

    • Explain the purpose of CRA, consequences of noncompliance, and evaluation methods
    • Describe CRA technical requirements? for community banks
    • Identify factors examiners consider when assessing CRA performance
    • Explain the CRA ratings and key strategies to maintain a Satisfactory or Outstanding performance rating

    Audience: Compliance professionals including compliance managers, officers, and other compliance team members whose primary role is within the compliance function at their financial institution; bank examiners, bank regulators, auditors and lending compliance professionals.

  • Community Reinvestment Act, Large Bank (CRA) for Compliance Professionals

    Strengthen your overall comprehension of CRA and define key terms, making it easier to communicate with regulators and management. Examine the technical requirements for CRA public files, public notices, and data collection, in addition to learning CRA performance options and a bonus exam preparation checklist.

    What You’ll Learn
    After completing this course, students will be able to:

    • Describe the purpose for CRA
    • Define the key terms
    • Identify large bank technical requirements
    • Explain the examination process

    Audience: Compliance professionals including compliance managers, officers, and other compliance team members whose primary role is within the compliance function at their financial institution; bank examiners, bank regulators, auditors and lending compliance professionals.

  • Completing the HUD-1 For Loans Not Covered Under TRID

    Designed to teach students to recognize each field on the HUD-1 form and indentify the requirements for completion. Includes a detailed explanation of each field and several examples that aim to clarify specific loan situations. While most loans originated after October 3, 2015 will use the Truth-in-Lending Integrated Disclosures (TRID) forms, some loans will still require a HUD-1. 

    FREE companion course, Pre-Information on TILA-RESPA for AllRegs Mortgage Courses provides a brief fact sheet: “TILA-RESPA Integrated Disclosure: What Does It Mean For You.” Add this course to your shopping cart during the purchase process.

    Produced by Ellie Mae/ AllRegs®

    What You’ll Learn

    After completing this course, students will be able to:

    • Recognize each field on the HUD-1
    • Identify requirements for completion of each field

    Audience: Mortgage loan closers, Settlement agents, Post closers, Loan processors.

  • Compliance 101 - Introduction to Compliance for New Compliance Officers

    Keeping up with all of the rules, regulations, and laws that affect credit union operations can be daunting for the most seasoned compliance professional; for new compliance officers, it can be overwhelming. This session is designed to provide a new compliance officer with tools to help make the transition on their new role easier; it can also provide long-term compliance officers with a refresher on regulations and resources.

    Topics Will Include:
    -Overview of major compliance issues
    -Issues addressed in credit union bylaws
    -The importance of risk assessments
    -Resources all Compliance Officers need to know about

    Audience: New Compliance Officers, Chief Compliance Officers, Compliance, Legal, Risk Management Staff, CEOs

  • Compliance Issues for the Credit Union?s Board of Directors

    The past 5 years have seen unprecedented changes in the regulatory environment. Most of the changes are aimed at making things easier for consumers. A lot of these changes have impacted credit unions? bottom line in terms of either additional costs to implement required changes or decreasing fee income.

    Credit Union Board members are expected to be aware of the continually evolving regulatory environment, so in today’s session, we’ll discuss some of the important compliance issues for credit union boards.

    Covered Topics
    -General Duties of Credit Union Boards
    -Managing Risk
    -Current Compliance Issues and Examiner Focus
    -Penalties for Non-compliance

    Audience: Credit Union Board Members, Credit Union Management, and Compliance Officers will all benefit from attending this webinar.

  • Conducting Your Compliance Audit/Review

    A compliance audit is a comprehensive evaluation of a credit union?s adherence to regulatory guidelines. Its purpose it to identify problems and weaknesses BEFORE they are detected by examiners, or even worse, members and members? attorneys. This webinar will provide an overview of the tools and resources available for conducting a compliance review as well as areas to review and questions to ask.

    Topics Will Include:
    -The importance of a compliance review
    -Compliance audit/review resources
    -Reviewing policies, procedures, and practices
    -Reporting the results of your review
    -Developing a compliance audit schedule

    Audience: New Compliance Officers, Chief Compliance Officers, Compliance, Legal, Risk Management Staff, Internal Auditors, Operations Staff, CEOs

  • Consumer Credit Basics

    Guides you through the key attributes of consumer lending and establishes familiarity with common lending industry terms and features. Understand how deposit and lending products can help minimize risk to the bank while still providing full-service to customers. Discover ways to respond appropriately to loan inquiries.

    What You’ll Learn

    After successfully completing the course, you will be able to:

    • Describe key lending attributes and terms
    • Explain the role consumer lending plays in a bank’s profitability
    • Explain the basics of consumer loans and lines
    • Determine how to comply with loan inquiry and application regulations

    Audience: Any bank personnel with little or no experience in consumer lending.

  • Consumer Lending

    Ideal for those new to consumer lending, as well as current lenders who want to enhance their knowledge. The course covers forming a loan policy, generating applications, learning about the credit investigation, and understanding the evaluation of and decisions that go into every loan application.

    Learning Objectives

    • Explain the consumer lending process
    • Describe various loan products
    • Identify components of the consumer installment credit market
    • Apply credit math and loan pricing principles
    • Recognize variables that affect loan structure

    Audience: Entry-level consumer lenders, consumer credit personnel, and bank employees who need to understand consumer credit.

  • Consumer Lending

    Ideal for those new to consumer lending, as well as current lenders who want to enhance their knowledge. The course covers forming a loan policy, generating applications, learning about the credit investigation, and understanding the evaluation of and decisions that go into every loan application.

    Learning Objectives

    • Explain the consumer lending process
    • Describe various loan products
    • Identify components of the consumer installment credit market
    • Apply credit math and loan pricing principles
    • Recognize variables that affect loan structure

    Audience: Entry-level consumer lenders, consumer credit personnel, and bank employees who need to understand consumer credit

  • Consumer Lending

    Ideal for those new to consumer lending, as well as current lenders who want to enhance their knowledge. The course covers forming a loan policy, generating applications, learning about the credit investigation, and understanding the evaluation of and decisions that go into every loan application.

    Learning Objectives

    • Explain the consumer lending process
    • Describe various loan products
    • Identify components of the consumer installment credit market
    • Apply credit math and loan pricing principles
    • Recognize variables that affect loan structure

    Audience: Entry-level consumer lenders, consumer credit personnel, and bank employees who need to understand consumer credit

  • Consumer Lending

    The Consumer Lending course is ACE recommended for College Credit Transfer!

    In this comprehensive overview of the consumer lending business, participants learn the essentials about closed-end loans, indirect loans and related credit products, and open-end credit products.  They also trace the consumer lending process from developing and taking loan applications to collection and recovery.  After successfully completing the consumer lending course, you will be able to:  describe key laws or regulations affecting consumer lending; list characteristics, benefits, and disadvantages of direct lending, indirect lending, and open-end credit products; explain how effective marketing can increase loans outstanding and application volume; describe consumer loan information sources and the credit verification process; explain how the five C’s of credit are used in credit evaluation and decision making. 

    Textbook chapter topics include:

    • Introduction to Consumer Loans
    • Laws and Regulations Affecting Consumer Loans
    • Interest
    • Applying for a Consumer Loan
    • Loan Underwriting
    • Establishing and Perfecting Security Interest
    • Document Preparation and Loan Closing
    • Servicing Consumer Loans
    • Loan Collections and Consumer Bankruptcy

    Audience: Designed for entry-level consumer lenders, consumer credit personnel, and bank and credit union employees who need to understand consumer credit.

  • Consumer Lending

    In this comprehensive overview of the consumer lending business, participants learn the essentials about closed-end loans, indirect loans and related credit products, and open-end credit products.  They also trace the consumer lending process from developing and taking loan applications to collection and recovery.  After successfully completing the consumer lending course, you will be able to:  describe key laws or regulations affecting consumer lending; list characteristics, benefits, and disadvantages of direct lending, indirect lending, and open-end credit products; explain how effective marketing can increase loans outstanding and application volume; describe consumer loan information sources and the credit verification process; explain how the five C’s of credit are used in credit evaluation and decision making. 

    Topics include:

    • Introduction to Consumer Loans
    • Laws and Regulations Affecting Consumer Loans
    • Interest
    • Applying for a Consumer Loan
    • Loan Underwriting
    • Establishing and Perfecting Security Interest
    • Document Preparation and Loan Closing
    • Servicing Consumer Loans
    • Loan Collections and Consumer Bankruptcy

    Audience: Entry-level consumer lenders, consumer credit personnel, and bank employees who need to understand consumer credit

  • Consumer Lending

    Ideal for those new to consumer lending, as well as current lenders who want to enhance their knowledge. The course covers forming a loan policy, generating applications, learning about the credit investigation, and understanding the evaluation of and decisions that go into every loan application.

    Learning Objectives
    – Explain the consumer lending process
    – Describe various loan products
    – Identify components of the consumer installment credit market
    – Apply credit math and loan pricing principles
    – Recognize variables that affect loan structure

    Audience: Entry-level consumer lenders, consumer credit personnel, and bank employees who need to understand consumer credit

  • Consumer Lending

    Ideal for those new to consumer lending, as well as current lenders who want to enhance their knowledge. The course covers forming a loan policy, generating applications, learning about the credit investigation, and understanding the evaluation of and decisions that go into every loan application.

    Learning Objectives
    – Explain the consumer lending process
    – Describe various loan products
    – Identify components of the consumer installment credit market
    – Apply credit math and loan pricing principles
    – Recognize variables that affect loan structure

    Audience: Entry-level consumer lenders, consumer credit personnel, and bank employees who need to understand consumer credit

  • Consumer Lending

    Ideal for those new to consumer lending, as well as current lenders who want to enhance their knowledge. The course covers forming a loan policy, generating applications, learning about the credit investigation, and understanding the evaluation of and decisions that go into every loan application.

    Learning Objectives
    – Explain the consumer lending process
    – Describe various loan products
    – Identify components of the consumer installment credit market
    – Apply credit math and loan pricing principles
    – Recognize variables that affect loan structure

    Audience: Entry-level consumer lenders, consumer credit personnel, and bank employees who need to understand consumer credit

  • Consumer Lending

    Ideal for those new to consumer lending, as well as current lenders who want to enhance their knowledge. The course covers forming a loan policy, generating applications, learning about the credit investigation, and understanding the evaluation of and decisions that go into every loan application.

    Learning Objectives
    – Explain the consumer lending process
    – Describe various loan products
    – Identify components of the consumer installment credit market
    – Apply credit math and loan pricing principles
    – Recognize variables that affect loan structure

    Audience: Entry-level consumer lenders, consumer credit personnel, and bank employees who need to understand consumer credit

  • Consumer Lending

    Ideal for those new to consumer lending, as well as current lenders who want to enhance their knowledge. The course covers forming a loan policy, generating applications, learning about the credit investigation, and understanding the evaluation of and decisions that go into every loan application.

    Learning Objectives
    – Explain the consumer lending process
    – Describe various loan products
    – Identify components of the consumer installment credit market
    – Apply credit math and loan pricing principles
    – Recognize variables that affect loan structure

    Audience: Entry-level consumer lenders, consumer credit personnel, and bank employees who need to understand consumer credit

  • Consumer Lending

    Ideal for those new to consumer lending, as well as current lenders who want to enhance their knowledge. The course covers forming a loan policy, generating applications, learning about the credit investigation, and understanding the evaluation of and decisions that go into every loan application.

    Learning Objectives
    – Explain the consumer lending process
    – Describe various loan products
    – Identify components of the consumer installment credit market
    – Apply credit math and loan pricing principles
    – Recognize variables that affect loan structure

    Audience: Entry-level consumer lenders, consumer credit personnel, and bank employees who need to understand consumer credit

  • Consumer Lending

    Ideal for those new to consumer lending, as well as current lenders who want to enhance their knowledge. The course covers forming a loan policy, generating applications, learning about the credit investigation, and understanding the evaluation of and decisions that go into every loan application.

    Learning Objectives
    – Explain the consumer lending process
    – Describe various loan products
    – Identify components of the consumer installment credit market
    – Apply credit math and loan pricing principles
    – Recognize variables that affect loan structure

    Audience: Entry-level consumer lenders, consumer credit personnel, and bank employees who need to understand consumer credit

  • Consumer Lending

    Ideal for those new to consumer lending, as well as current lenders who want to enhance their knowledge. The course covers forming a loan policy, generating applications, learning about the credit investigation, and understanding the evaluation of and decisions that go into every loan application.

    Learning Objectives
    – Explain the consumer lending process
    – Describe various loan products
    – Identify components of the consumer installment credit market
    – Apply credit math and loan pricing principles
    – Recognize variables that affect loan structure

    Audience: Entry-level consumer lenders, consumer credit personnel, and bank employees who need to understand consumer credit

  • Consumer Lending

    Ideal for those new to consumer lending, as well as current lenders who want to enhance their knowledge. The course covers forming a loan policy, generating applications, learning about the credit investigation, and understanding the evaluation of and decisions that go into every loan application.

    Learning Objectives
    – Explain the consumer lending process
    – Describe various loan products
    – Identify components of the consumer installment credit market
    – Apply credit math and loan pricing principles
    – Recognize variables that affect loan structure

    Audience: Entry-level consumer lenders, consumer credit personnel, and bank employees who need to understand consumer credit

  • Consumer Lending

    In this comprehensive overview of the consumer lending business, participants learn the essentials about closed-end loans, indirect loans and related credit products, and open-end credit products.  They also trace the consumer lending process from developing and taking loan applications to collection and recovery.  After successfully completing the consumer lending course, you will be able to:  describe key laws or regulations affecting consumer lending; list characteristics, benefits, and disadvantages of direct lending, indirect lending, and open-end credit products; explain how effective marketing can increase loans outstanding and application volume; describe consumer loan information sources and the credit verification process; explain how the five C’s of credit are used in credit evaluation and decision making. 

    Topics include:

    • Introduction to Consumer Loans
    • Laws and Regulations Affecting Consumer Loans
    • Interest
    • Applying for a Consumer Loan
    • Loan Underwriting
    • Establishing and Perfecting Security Interest
    • Document Preparation and Loan Closing
    • Servicing Consumer Loans
    • Loan Collections and Consumer Bankruptcy

    Audience: Designed for entry-level consumer lenders, consumer credit personnel, and bank and credit union employees who need to understand consumer credit.

  • Consumer Lending

    In this comprehensive overview of the consumer lending business, participants learn the essentials about closed-end loans, indirect loans and related credit products, and open-end credit products.  They also trace the consumer lending process from developing and taking loan applications to collection and recovery.  After successfully completing the consumer lending course, you will be able to:  describe key laws or regulations affecting consumer lending; list characteristics, benefits, and disadvantages of direct lending, indirect lending, and open-end credit products; explain how effective marketing can increase loans outstanding and application volume; describe consumer loan information sources and the credit verification process; explain how the five C’s of credit are used in credit evaluation and decision making. 

    Topics include:

    • Introduction to Consumer Loans
    • Laws and Regulations Affecting Consumer Loans
    • Interest
    • Applying for a Consumer Loan
    • Loan Underwriting
    • Establishing and Perfecting Security Interest
    • Document Preparation and Loan Closing
    • Servicing Consumer Loans
    • Loan Collections and Consumer Bankruptcy

    Audience: Designed for entry-level consumer lenders, consumer credit personnel, and bank and credit union employees who need to understand consumer credit.

  • Consumer Lending

    In this comprehensive overview of the consumer lending business, participants learn the essentials about closed-end loans, indirect loans and related credit products, and open-end credit products.  They also trace the consumer lending process from developing and taking loan applications to collection and recovery.  After successfully completing the consumer lending course, you will be able to:  describe key laws or regulations affecting consumer lending; list characteristics, benefits, and disadvantages of direct lending, indirect lending, and open-end credit products; explain how effective marketing can increase loans outstanding and application volume; describe consumer loan information sources and the credit verification process; explain how the five C’s of credit are used in credit evaluation and decision making. 

    Topics include:

    • Introduction to Consumer Loans
    • Laws and Regulations Affecting Consumer Loans
    • Interest
    • Applying for a Consumer Loan
    • Loan Underwriting
    • Establishing and Perfecting Security Interest
    • Document Preparation and Loan Closing
    • Servicing Consumer Loans
    • Loan Collections and Consumer Bankruptcy

    Audience: Entry-level consumer lenders, consumer credit personnel, and bank employees who need to understand consumer credit

  • Consumer Lending

    In this comprehensive overview of the consumer lending business, participants learn the essentials about closed-end loans, indirect loans and related credit products, and open-end credit products.  They also trace the consumer lending process from developing and taking loan applications to collection and recovery.  After successfully completing the consumer lending course, you will be able to:  describe key laws or regulations affecting consumer lending; list characteristics, benefits, and disadvantages of direct lending, indirect lending, and open-end credit products; explain how effective marketing can increase loans outstanding and application volume; describe consumer loan information sources and the credit verification process; explain how the five C’s of credit are used in credit evaluation and decision making. 

    Topics include:

    • Introduction to Consumer Loans
    • Laws and Regulations Affecting Consumer Loans
    • Interest
    • Applying for a Consumer Loan
    • Loan Underwriting
    • Establishing and Perfecting Security Interest
    • Document Preparation and Loan Closing
    • Servicing Consumer Loans
    • Loan Collections and Consumer Bankruptcy

    Audience: Entry-level consumer lenders, consumer credit personnel, and bank employees who need to understand consumer credit

  • Consumer Lending

    Ideal for those new to consumer lending, as well as current lenders who want to enhance their knowledge. The course covers forming a loan policy, generating applications, learning about the credit investigation, and understanding the evaluation of and decisions that go into every loan application.

    Learning Objectives

    • Explain the consumer lending process
    • Describe various loan products
    • Identify components of the consumer installment credit market
    • Apply credit math and loan pricing principles
    • Recognize variables that affect loan structure

    Audience: Entry-level consumer lenders, consumer credit personnel, and bank employees who need to understand consumer credit

  • Consumer Lending

    Ideal for those new to consumer lending, as well as current lenders who want to enhance their knowledge. The course covers forming a loan policy, generating applications, learning about the credit investigation, and understanding the evaluation of and decisions that go into every loan application.

    Learning Objectives:
    Explain the consumer lending process
    Describe various loan products
    Identify components of the consumer installment credit market
    Apply credit math and loan pricing principles
    Recognize variables that affect loan structure

    Audience: Entry-level consumer lenders, consumer credit personnel, and bank employees who need to understand consumer credit.

  • Consumer Lending

    In this comprehensive overview of the consumer lending business, participants learn the essentials about closed-end loans, indirect loans and related credit products, and open-end credit products.  They also trace the consumer lending process from developing and taking loan applications to collection and recovery.  After successfully completing the consumer lending course, you will be able to:  describe key laws or regulations affecting consumer lending; list characteristics, benefits, and disadvantages of direct lending, indirect lending, and open-end credit products; explain how effective marketing can increase loans outstanding and application volume; describe consumer loan information sources and the credit verification process; explain how the five C’s of credit are used in credit evaluation and decision making. 

    Topics include:

    • Introduction to Consumer Loans
    • Laws and Regulations Affecting Consumer Loans
    • Interest
    • Applying for a Consumer Loan
    • Loan Underwriting
    • Establishing and Perfecting Security Interest
    • Document Preparation and Loan Closing
    • Servicing Consumer Loans
    • Loan Collections and Consumer Bankruptcy

    Audience: Entry-level consumer lenders, consumer credit personnel, and bank employees who need to understand consumer credit

  • Consumer Lending

    In this comprehensive overview of the consumer lending business, participants learn the essentials about closed-end loans, indirect loans and related credit products, and open-end credit products.  They also trace the consumer lending process from developing and taking loan applications to collection and recovery.  After successfully completing the consumer lending course, you will be able to:  describe key laws or regulations affecting consumer lending; list characteristics, benefits, and disadvantages of direct lending, indirect lending, and open-end credit products; explain how effective marketing can increase loans outstanding and application volume; describe consumer loan information sources and the credit verification process; explain how the five C’s of credit are used in credit evaluation and decision making. 

    Topics include:

    • Introduction to Consumer Loans
    • Laws and Regulations Affecting Consumer Loans
    • Interest
    • Applying for a Consumer Loan
    • Loan Underwriting
    • Establishing and Perfecting Security Interest
    • Document Preparation and Loan Closing
    • Servicing Consumer Loans
    • Loan Collections and Consumer Bankruptcy

    Audience: Entry-level consumer lenders, consumer credit personnel, and bank employees who need to understand consumer credit

  • Consumer Lending

    In this comprehensive overview of the consumer lending business, participants learn the essentials about closed-end loans, indirect loans and related credit products, and open-end credit products.  They also trace the consumer lending process from developing and taking loan applications to collection and recovery.  After successfully completing the consumer lending course, you will be able to:  describe key laws or regulations affecting consumer lending; list characteristics, benefits, and disadvantages of direct lending, indirect lending, and open-end credit products; explain how effective marketing can increase loans outstanding and application volume; describe consumer loan information sources and the credit verification process; explain how the five C’s of credit are used in credit evaluation and decision making. 

    Topics include:

    • Introduction to Consumer Loans
    • Laws and Regulations Affecting Consumer Loans
    • Interest
    • Applying for a Consumer Loan
    • Loan Underwriting
    • Establishing and Perfecting Security Interest
    • Document Preparation and Loan Closing
    • Servicing Consumer Loans
    • Loan Collections and Consumer Bankruptcy

    Audience: Entry-level consumer lenders, consumer credit personnel, and bank employees who need to understand consumer credit

  • Consumer Lending

    In this comprehensive overview of the consumer lending business, participants learn the essentials about closed-end loans, indirect loans and related credit products, and open-end credit products.  They also trace the consumer lending process from developing and taking loan applications to collection and recovery.  After successfully completing the consumer lending course, you will be able to:  describe key laws or regulations affecting consumer lending; list characteristics, benefits, and disadvantages of direct lending, indirect lending, and open-end credit products; explain how effective marketing can increase loans outstanding and application volume; describe consumer loan information sources and the credit verification process; explain how the five C’s of credit are used in credit evaluation and decision making. 

    Topics include:

    • Introduction to Consumer Loans
    • Laws and Regulations Affecting Consumer Loans
    • Interest
    • Applying for a Consumer Loan
    • Loan Underwriting
    • Establishing and Perfecting Security Interest
    • Document Preparation and Loan Closing
    • Servicing Consumer Loans
    • Loan Collections and Consumer Bankruptcy

    Audience: Entry-level consumer lenders, consumer credit personnel, and bank employees who need to understand consumer credit

  • Consumer Lending

    In this comprehensive overview of the consumer lending business, participants learn the essentials about closed-end loans, indirect loans and related credit products, and open-end credit products.  They also trace the consumer lending process from developing and taking loan applications to collection and recovery.  After successfully completing the consumer lending course, you will be able to:  describe key laws or regulations affecting consumer lending; list characteristics, benefits, and disadvantages of direct lending, indirect lending, and open-end credit products; explain how effective marketing can increase loans outstanding and application volume; describe consumer loan information sources and the credit verification process; explain how the five C’s of credit are used in credit evaluation and decision making. 

    Topics include:

    • Introduction to Consumer Loans
    • Laws and Regulations Affecting Consumer Loans
    • Interest
    • Applying for a Consumer Loan
    • Loan Underwriting
    • Establishing and Perfecting Security Interest
    • Document Preparation and Loan Closing
    • Servicing Consumer Loans
    • Loan Collections and Consumer Bankruptcy

    Audience: Entry-level consumer lenders, consumer credit personnel, and bank employees who need to understand consumer credit

  • Consumer Loan Process

    Guides you through using the three-step consumer lending process, including customer service and regulatory considerations. Discover how to take a complete and accurate application, as well as evaluate the borrower’s ability and willingness to repay a loan. Explore best practices for communicating the loan decision and next steps.

    What You’ll Learn

    After successfully completing the course, you will be able to:

    • Examine the consumer lending process
    • Describe the application step
    • Describe the decisioning step
    • Explain how to communicate the lending decision to your customer

    Audience: Any bank personnel with little or no experience in consumer lending.

  • Consumer Loans: To Modify or Refinance?

    Understand the required steps and possible exceptions with compliance disclosures when changing an existing consumer loan.

    What You’ll Learn

    This training will specifically address:

    • What to do with existing loans: modify or refinance (and the differences between them)
    • When to “redisclose”— Truth in Lending Act (TILA) and Reg Z requirements
    • Exceptions to the general rule

    Audience: Chief Compliance Officers (CCOs); Compliance Officers, Managers, Specialists, Analysts and Coordinators, including Compliance owners within the bank’s first line with responsibilities for Consumer Compliance and/or Regulatory Oversight. Internal Auditors, General Counsel and Legal, Consultants specializing in Bank Compliance. Federal and State Bank Examiners. Bankers who have attended ABA’s Compliance Schools or taken the Online Training for Compliance Professionals

  • Corrective Action

    Guides you through facilitating an employee’s improvement using the progressive disciplinary model. Understand how to apply corrective action in a balanced and objective manner. Learn when corrective action is justified and the consequences of not taking action.

    What You’ll Learn

    After successfully completing the course, you will be able to:

    • Describe the four steps of corrective action to determine which actions to take
    • Document corrective action effectively
    • Conduct a successful corrective counseling session with the employee

    Audience: For Management and Leadership Skills. Any supervisor or manager who has responsibility for evaluating and documenting employee performance.

  • CRCM Exam Online Prep

    You have the compliance know-how— now you can confidently and efficiently prepare to pass the exam with the CRCM Exam Online Prep training platform.

    Designed around the knowledge domains and tasks on the actual exam, this course features audio and video lessons, readings, an online discussion board, access to a virtual instructor and practice tests. Self-assessment tools and confidence meters provide individual feedback to help you concentrate your study time where you need it the most, and a countdown meter helps keep you on track as you progress towards your exam date. Participants also use the Reference Guide to Regulatory Compliance as a study tool. All lessons can be completed at your own pace and are available fully online.

    What You’ll Learn

    After completing this course, students will be able to:

    • Demonstrate your compliance expertise in sample scenarios aligned to the exam domains
    • Practice your aptitude in completing tasks in each knowledge area
    • Test your knowledge of key compliance topics, processes and management expectations
    • Prepare for the actual exam and know what to expect with sample tests that include real exam questions
    • Access resources that you will leverage in your role of compliance manager (purchased separately) 

    Audience: Individuals preparing to take the Certified Regulatory Compliance Manager (CRCM) Exam.

  • CRCM Online Review

    A convenient way to prepare for the CRCM designation from the Institute of Certified Bankers. Participants use the ABA Reference Guide to Regulatory Compliance as their study tool, listen to 10 hours of recorded lectures, and have access to a test on each regulation modeled after a CRCM exam.

    Learning Objectives:
    -Explain laws and regulations for the deposit function
    -Describe the laws and regulations that govern lending
    -Identify the primary information reporting laws and regulations
    -Explain the bank operations laws and regulations
    -Describe the laws and regulations that cover safety and soundness
    -Discuss the laws and regulations governing social responsibility

    Audience: This course is designed for those preparing for the Certified Regulatory Compliance Manager (CRCM) Exam, including financial services professionals whose primary function and expertise focus on the application, implementation and maintenance of relevant federal and state regulatory requirements as they relate to a financial services organization's business.

  • CRCM Online Review

    A convenient way to prepare for the CRCM designation from the Institute of Certified Bankers. Participants use the ABA Reference Guide to Regulatory Compliance as their study tool, listen to 10 hours of recorded lectures, and have access to a test on each regulation modeled after a CRCM exam.

    Learning Objectives:
    -Explain laws and regulations for the deposit function
    -Describe the laws and regulations that govern lending
    -Identify the primary information reporting laws and regulations
    -Explain the bank operations laws and regulations
    -Describe the laws and regulations that cover safety and soundness
    -Discuss the laws and regulations governing social responsibility

    Audience: This course is designed for those preparing for the Certified Regulatory Compliance Manager (CRCM) Exam, including financial services professionals whose primary function and expertise focus on the application, implementation and maintenance of relevant federal and state regulatory requirements as they relate to a financial services organization's business.

  • CRCM Online Review

    A convenient way to prepare for the CRCM designation from the Institute of Certified Bankers. Participants use the ABA Reference Guide to Regulatory Compliance as their study tool, listen to 10 hours of recorded lectures, and have access to a test on each regulation modeled after a CRCM exam.

    Learning Objectives:

    • Explain laws and regulations for the deposit function
    • Describe the laws and regulations that govern lending
    • Identify the primary information reporting laws and regulations
    • Explain the bank operations laws and regulations
    • Describe the laws and regulations that cover safety and soundness
    • Discuss the laws and regulations governing social responsibility

    Audience: This course is designed for those preparing for the Certified Regulatory Compliance Manager (CRCM) Exam, including financial services professionals whose primary function and expertise focus on the application, implementation and maintenance of relevant federal and state regulatory requirements as they relate to a financial services organization's business.

  • CRCM Online Review

    A convenient way to prepare for the CRCM designation from the Institute of Certified Bankers. Participants use the ABA Reference Guide to Regulatory Compliance as their study tool, listen to 10 hours of recorded lectures, and have access to a test on each regulation modeled after a CRCM exam.

    Learning Objectives:
    -Explain laws and regulations for the deposit function
    -Describe the laws and regulations that govern lending
    -Identify the primary information reporting laws and regulations
    -Explain the bank operations laws and regulations
    -Describe the laws and regulations that cover safety and soundness
    -Discuss the laws and regulations governing social responsibility

    Audience: This course is designed for those preparing for the Certified Regulatory Compliance Manager (CRCM) Exam, including financial services professionals whose primary function and expertise focus on the application, implementation and maintenance of relevant federal and state regulatory requirements as they relate to a financial services organization's business.

  • Credit Analysis - Capstone Seminar

    Attend this training and you will experience discussing and analyzing ?real life? case studies and loan requests. This is NOT a traditional credit analysis class that solely examines financial statements.

    You will have the opportunity to discuss loan scenarios, formulate answers and elevate your knowledge to the next level. You will also get a chance to ?attend loan committee? reviewing requests. This unique seminar will help you to understand your commercial customer from their loan request through the product they sell.

    A number of steps to determine this include:

    ? The Business Environment ? SWOT Analysis & Business Life Cycle
    ? The Economic Environment
    ? The Management Environment

    From there you will analyze the loan request and develop a rational loan structure. As a result you will be EMPOWERED TO ASSESS RISK AND ASSESS AN OPINION ON THE REQUEST.

    The skills and tools you receive in this training can be immediately applied upon returning to your financial institution. You will gain a better insight into the economy, the commercial loan environment, the business loan request, cash flow analysis, loan structure while touching briefly on collateral.

    At the conclusion of the seminar you will understand the factors that impact ability to repay debt obligations and how to document the findings in a written credit memo.

    Participants will do a credit write-up.

    Audience: Anyone interested in Credit Analysis

  • Credit Analysis - Capstone Seminar

    Attend this training and you will experience discussing and analyzing, real life, case studies and loan requests. This is NOT a traditional credit analysis class that solely examines financial statements.

    You will have the opportunity to discuss loan scenarios, formulate answers and elevate your knowledge to the next level. You will also get a chance to attend loan committee reviewing requests. This unique seminar will help you to understand your commercial customer from their loan request through the product they sell.

    A number of steps to determine this include:

    -The Business Environment, SWOT Analysis & Business Life Cycle
    -The Economic Environment
    -The Management Environment

    From there you will analyze the loan request and develop a rational loan structure. As a result you will be EMPOWERED TO ASSESS RISK AND ASSESS AN OPINION ON THE REQUEST.

    The skills and tools you receive in this training can be immediately applied upon returning to your financial institution. You will gain a better insight into the economy, the commercial loan environment, the business loan request, cash flow analysis, loan structure while touching briefly on collateral.

    At the conclusion of the seminar you will understand the factors that impact ability to repay debt obligations and how to document the findings in a written credit memo.

    Participants will do a credit write-up.

    Audience: Anyone interested in Credit Analysis

  • Credit Card Regulations for Compliance Professionals

    Obtain a basic understanding of regulations specific to credit card, as well as applicable open-end credit regulations. Learn about the compliance requirements at various stages in the credit card process, along with other institutional concerns that fall outside of the process.

    What You’ll Learn
    After completing this course, students will be able to:

    • Describe credit card marketing requirements, including requirements under Regulation Z and Regulation B
    • Explain application and solicitation requirements, including requirements for direct mail, electronic, and telephone solicitations
    • Describe underwriting and account opening requirements, including verification of customer information requirements under the USA Patriot Act
    • Identify account management requirements, including requirements under Regulation Z
    • Describe other institutional concerns, including requirements under the Community Reinvestment Act and Right to Financial Privacy Act

    Audience: Compliance professionals including compliance managers, officers, and other compliance team members whose primary role is within the compliance function at their financial institution; bank examiners, bank regulators, auditors and lending compliance professionals.

  • Credit Risk Management: Commercial and Agricultural Lending

    Explores the distinct product characteristics and risk factors that affect performance and prudent credit risk management processes and practices. Identifies ways to manage and control risk levels and exposures.

    What You’ll Learn

    After successfully completing the course, you will be able to:

    • Identify the key product characteristics for commercial and agricultural lending
    • Describe the major risk factors associated with originating commercial and agricultural loans
    • Identify the primary functions of a sound credit risk rating system
    • Describe the key components of a sound credit risk management framework and governance

    Audience: Risk management and control professionals in first, second or third line functions with primary responsibilities including monitoring and risk reporting of loan portfolios, underwriting, stress testing, audit or governance across credit risk or financial risk categories. Directors, members of senior management, State/Federal bank examiners, external risk consultants or auditors.

  • Credit Risk Management: Managing, Monitoring, and Measuring

    Explores the risk management processes that help identify, measure, monitor and control risk levels and exposure, at both an individual loan level and within the portfolio.

    What You’ll Learn

    After successfully completing the course, you will be able to:

    • Identify the key risk management functions
    • Identify the key processes required to manage portfolio risk
    • Describe the key characteristics of reporting credit risk
    • Describe the requirements for effective credit risk reports
    • Identify the key concepts of managing concentration risk

    Audience: Risk management and control professionals in first, second or third line functions with primary responsibilities including monitoring and risk reporting of loan portfolios, underwriting, stress testing, audit or governance across credit risk or financial risk categories. Directors, members of senior management, State/Federal bank examiners, external risk consultants or auditors.

  • Credit Risk Management: Other Sources of Credit Risk

    Explores the types of activities that generate non-traditional credit risk, with recommended practices for managing this risk.

    What You’ll Learn

    After successfully completing the course, you will be able to:

    • Define key terminology
    • Recognize common sources of non-traditional credit risk
    • Measure non-traditional credit risk
    • Describe governance challenges for non-traditional credit risk
    • Identify regulatory standards for managing non-traditional credit risk

    Audience: Risk management and control professionals in first, second or third line functions with primary responsibilities including monitoring and risk reporting of loan portfolios, underwriting, stress testing, audit or governance across credit risk or financial risk categories. Directors, members of senior management, State/Federal bank examiners, external risk consultants or auditors.

  • Credit Risk Management: Retail Lending

    Provides a look at how banks identify, manage and control risk levels and exposures for retail lending through prudent credit risk management processes and practices.

    What You’ll Learn

    After successfully completing the course, you will be able to:

    • Identify the key components of retail credit risk
    • Describe the key components of a bank’s credit risk profile
    • Recognize the risks associated with the origination and acquisition of retail lending products
    • Describe the characteristics of a sound credit risk management framework and governance

    Audience: Risk management and control professionals in first, second or third line functions with primary responsibilities including monitoring and risk reporting of loan portfolios, underwriting, stress testing, audit or governance across credit risk or financial risk categories. Directors, members of senior management, State/Federal bank examiners, external risk consultants or auditors.

  • CTFA Exam Online Prep

    A convenient way to prepare for the Certified Trust and Financial Advisor (CTFA) designation from ABA Professional Certifications. Participants use the Reference Guides to Wealth Management and Trust as their study tool, listen to 18 recorded lectures, and have access to a test on each subject area, modeled after a CTFA exam.

    Learning Objectives

    • Explain how fiduciary and trust activities are related to basic trust administration
    • Develop an understanding of federal estate and gift taxation, planning for gifts and related tax-planning strategies
    • Describe basic investments management and the economics markets
    • Apply personal financial planning concepts as a tool to enhance client relationships

    Audience: This course is designed for those preparing for the Certified Trust and Financial Advisor (CTFA) Exam. The Certified Trust and Financial Advisor (CTFA) is applicable to financial services professionals whose primary function and expertise focus on the provision of fiduciary services related to trusts, estates, guardianships and individual asset management accounts.

  • CTFA Exam Online Prep

    A convenient way to prepare for the Certified Trust and Fiduciary Advisor (CTFA) designation from ABA Professional Certifications. Participants use the Reference Guides to Wealth Management and Trust as their study tool, listen to 18 recorded lectures, and have access to a test on each subject area, modeled after a CTFA exam.

    Learning Objectives

    • Explain how fiduciary and trust activities are related to basic trust administration
    • Develop an understanding of federal estate and gift taxation, planning for gifts and related tax-planning strategies
    • Describe basic investments management and the economics markets
    • Apply personal financial planning concepts as a tool to enhance client relationships

    Audience: This course is designed for those preparing for the Certified Trust and Financial Advisor (CTFA) Exam. The Certified Trust and Financial Advisor (CTFA) is applicable to financial services professionals whose primary function and expertise focus on the provision of fiduciary services related to trusts, estates, guardianships and individual asset management accounts.

  • CTFA Exam Online Prep

    A comprehensive, convenient way to prepare for the CTFA designation. Participants use the Reference Guides to Wealth Management and Trust as their study tool and have access to an interactive online exam prep platform, including video and audio lessons, readings, flashcards, learning games, an integrated online discussion board and practice exams.

    Learning Objectives

    • Explain how fiduciary and trust activities are related to basic trust administration
    • Develop an understanding of federal estate and gift taxation, planning for gifts and related tax-planning strategies
    • Describe basic investments management and the economics markets
    • Apply personal financial planning concepts as a tool to enhance client relationships

    Audience: This course is designed for those preparing for the Certified Trust and Fiduciary Advisor (CTFA) Exam. The CTFA is applicable to financial services professionals whose primary function and expertise focus on the provision of fiduciary services related to trusts, estates, guardianships and individual asset management accounts.

  • Customer and Enhanced Due Diligence (CDD/EDD)

    CDD is a critical component of your institutionƒ??s Bank Secrecy Act and anti-money laundering policies. Get to know the purpose of CDD guidelines, how CDD can help you understand your customers and better assess risk, and decide when CDD/EDD may be necessary. Practice your skills in an interactive scenario following the lesson.

    Audience: n/a

  • Customer Identification Program (CIP)

    Review the basic requirements of a Customer Identification Program (CIP) as prescribed by the USA Patriot Act. Explore the relationship between a CIP and your institutionƒ??s anti-money laundering program. Learn how to verify the identity of customers and how to respond to identity verification problems.

    Audience: n/a

  • Customer Service Excellence

    The Customer Service course will help you discover why improving your service to consumers is a career investment.  Learn how to provide service that meets the needs and expectations of every consumer.  Training topics include:  recognize the importance of customer service; understand the communication process; recognize the value of face-to-face interactions; describe how to effectively use the telephone to communicate; identify techniques for interacting with diverse customers; identify techniques for handling challenging situations; explain the role of technology in customer service; describe the importance of effectively working with internal customers. 

    Textbook chapter topics include:

    • The Importance of Customer Service
    • The Communications Process
    • Telephone Interactions
    • Interacting with Diverse Customers
    • Handling Challenging Situations
    • The Role of Technology in Customer Service
    • Working with Internal Customers 

    Audience: Bank or Credit Union employees who have direct or indirect contact with consumers

  • Customer Service Excellence

    The Customer Service course will help you discover why improving your service to consumers is a career investment.  Learn how to provide service that meets the needs and expectations of every consumer.  Training topics include:  recognize the importance of customer service; understand the communication process; recognize the value of face-to-face interactions; describe how to effectively use the telephone to communicate; identify techniques for interacting with diverse customers; identify techniques for handling challenging situations; explain the role of technology in customer service; describe the importance of effectively working with internal customers. 

    Textbook chapter topics include:

    • The Importance of Customer Service
    • The Communications Process
    • Telephone Interactions
    • Interacting with Diverse Customers
    • Handling Challenging Situations
    • The Role of Technology in Customer Service
    • Working with Internal Customers 

    Audience: Bank or Credit Union employees who have direct or indirect contact with consumers

  • Customer Service Excellence

    The Customer Service course will help you discover why improving your service to consumers is a career investment.  Learn how to provide service that meets the needs and expectations of every consumer.  Training topics include:  recognize the importance of customer service; understand the communication process; recognize the value of face-to-face interactions; describe how to effectively use the telephone to communicate; identify techniques for interacting with diverse customers; identify techniques for handling challenging situations; explain the role of technology in customer service; describe the importance of effectively working with internal customers. 

    Textbook chapter topics include:

    • The Importance of Customer Service
    • The Communications Process
    • Telephone Interactions
    • Interacting with Diverse Customers
    • Handling Challenging Situations
    • The Role of Technology in Customer Service
    • Working with Internal Customers 

    Audience: Bank or Credit Union employees who have direct or indirect contact with consumers

  • Customer Service Excellence

    The Customer Service course will help you discover why improving your service to consumers is a career investment.  Learn how to provide service that meets the needs and expectations of every consumer.  Training topics include:  recognize the importance of customer service; understand the communication process; recognize the value of face-to-face interactions; describe how to effectively use the telephone to communicate; identify techniques for interacting with diverse customers; identify techniques for handling challenging situations; explain the role of technology in customer service; describe the importance of effectively working with internal customers. 

    Textbook chapter topics include:

    • The Importance of Customer Service
    • The Communications Process
    • Telephone Interactions
    • Interacting with Diverse Customers
    • Handling Challenging Situations
    • The Role of Technology in Customer Service
    • Working with Internal Customers 

    Audience: Bank or Credit Union employees who have direct or indirect contact with consumers

  • Customer Service Excellence

    The Customer Service course will help you discover why improving your service to consumers is a career investment.  Learn how to provide service that meets the needs and expectations of every consumer.  Training topics include:  recognize the importance of customer service; understand the communication process; recognize the value of face-to-face interactions; describe how to effectively use the telephone to communicate; identify techniques for interacting with diverse customers; identify techniques for handling challenging situations; explain the role of technology in customer service; describe the importance of effectively working with internal customers. 

    Textbook chapter topics include:

    • The Importance of Customer Service
    • The Communications Process
    • Telephone Interactions
    • Interacting with Diverse Customers
    • Handling Challenging Situations
    • The Role of Technology in Customer Service
    • Working with Internal Customers 

    Audience: Bank or Credit Union employees who have direct or indirect contact with consumers

  • Customer Service Excellence

    The Customer Service course will help you discover why improving your service to consumers is a career investment.  Learn how to provide service that meets the needs and expectations of every consumer.  Training topics include:  recognize the importance of customer service; understand the communication process; recognize the value of face-to-face interactions; describe how to effectively use the telephone to communicate; identify techniques for interacting with diverse customers; identify techniques for handling challenging situations; explain the role of technology in customer service; describe the importance of effectively working with internal customers. 

    Textbook chapter topics include:

    • The Importance of Customer Service
    • The Communications Process
    • Telephone Interactions
    • Interacting with Diverse Customers
    • Handling Challenging Situations
    • The Role of Technology in Customer Service
    • Working with Internal Customers 

    Audience: Bank or Credit Union employees who have direct or indirect contact with consumers

  • Customer Service Excellence

    The Customer Service course will help you discover why improving your service to consumers is a career investment.  Learn how to provide service that meets the needs and expectations of every consumer.  Training topics include:  recognize the importance of customer service; understand the communication process; recognize the value of face-to-face interactions; describe how to effectively use the telephone to communicate; identify techniques for interacting with diverse customers; identify techniques for handling challenging situations; explain the role of technology in customer service; describe the importance of effectively working with internal customers. 

    Textbook chapter topics include:

    • The Importance of Customer Service
    • The Communications Process
    • Telephone Interactions
    • Interacting with Diverse Customers
    • Handling Challenging Situations
    • The Role of Technology in Customer Service
    • Working with Internal Customers 

    Audience: Bank or Credit Union employees who have direct or indirect contact with consumers

  • Customer Service Excellence

    The Customer Service course will help you discover why improving your service to consumers is a career investment.  Learn how to provide service that meets the needs and expectations of every consumer.  Training topics include:  recognize the importance of customer service; understand the communication process; recognize the value of face-to-face interactions; describe how to effectively use the telephone to communicate; identify techniques for interacting with diverse customers; identify techniques for handling challenging situations; explain the role of technology in customer service; describe the importance of effectively working with internal customers. 

    Textbook chapter topics include:

    • The Importance of Customer Service
    • The Communications Process
    • Telephone Interactions
    • Interacting with Diverse Customers
    • Handling Challenging Situations
    • The Role of Technology in Customer Service
    • Working with Internal Customers 

    Audience: Bank or Credit Union employees who have direct or indirect contact with consumers

  • Customer Service Excellence

    The Customer Service course will help you discover why improving your service to consumers is a career investment. Learn how to provide service that meets the needs and expectations of every consumer. Training topics include: recognize the importance of customer service; understand the communication process; recognize the value of face-to-face interactions; describe how to effectively use the telephone to communicate; identify techniques for interacting with diverse customers; identify techniques for handling challenging situations; explain the role of technology in customer service; describe the importance of effectively working with internal customers.

    Textbook chapter topics include:
    – The Importance of Customer Service
    – The Communications Process
    – Telephone Interactions
    – Interacting with Diverse Customers
    – Handling Challenging Situations
    – The Role of Technology in Customer Service
    – Working with Internal Customers

    Audience: Bank or Credit Union employees who have direct or indirect contact with consumers

  • Customer Service Excellence

    The Customer Service course will help you discover why improving your service to consumers is a career investment. Learn how to provide service that meets the needs and expectations of every consumer. Training topics include: recognize the importance of customer service; understand the communication process; recognize the value of face-to-face interactions; describe how to effectively use the telephone to communicate; identify techniques for interacting with diverse customers; identify techniques for handling challenging situations; explain the role of technology in customer service; describe the importance of effectively working with internal customers.

    Textbook chapter topics include:

    • The Importance of Customer Service
    • The Communications Process
    • Telephone Interactions
    • Interacting with Diverse Customers
    • Handling Challenging Situations
    • The Role of Technology in Customer Service
    • Working with Internal Customers

    Audience: Bank or Credit Union employees who have direct or indirect contact with consumers

  • Customer Service Excellence

    The Customer Service course will help you discover why improving your service to consumers is a career investment.  Learn how to provide service that meets the needs and expectations of every consumer.  Training topics include:  recognize the importance of customer service; understand the communication process; recognize the value of face-to-face interactions; describe how to effectively use the telephone to communicate; identify techniques for interacting with diverse customers; identify techniques for handling challenging situations; explain the role of technology in customer service; describe the importance of effectively working with internal customers. 

    Textbook chapter topics include:

    • The Importance of Customer Service
    • The Communications Process
    • Telephone Interactions
    • Interacting with Diverse Customers
    • Handling Challenging Situations
    • The Role of Technology in Customer Service
    • Working with Internal Customers 

    Audience: Bank or Credit Union employees who have direct or indirect contact with consumers

  • Customer Service Excellence

    The Customer Service course will help you discover why improving your service to consumers is a career investment.  Learn how to provide service that meets the needs and expectations of every consumer.  Training topics include:  recognize the importance of customer service; understand the communication process; recognize the value of face-to-face interactions; describe how to effectively use the telephone to communicate; identify techniques for interacting with diverse customers; identify techniques for handling challenging situations; explain the role of technology in customer service; describe the importance of effectively working with internal customers. 

    Textbook chapter topics include:

    • The Importance of Customer Service
    • The Communications Process
    • Telephone Interactions
    • Interacting with Diverse Customers
    • Handling Challenging Situations
    • The Role of Technology in Customer Service
    • Working with Internal Customers 

    Audience: Bank or Credit Union employees who have direct or indirect contact with consumers

  • Customer Service Excellence

    The Customer Service course will help you discover why improving your service to consumers is a career investment. Learn how to provide service that meets the needs and expectations of every consumer. Training topics include: recognize the importance of customer service; understand the communication process; recognize the value of face-to-face interactions; describe how to effectively use the telephone to communicate; identify techniques for interacting with diverse customers; identify techniques for handling challenging situations; explain the role of technology in customer service; describe the importance of effectively working with internal customers.

    Textbook chapter topics include:
    ƒ?? The Importance of Customer Service
    ƒ?? The Communications Process
    ƒ?? Telephone Interactions
    ƒ?? Interacting with Diverse Customers
    ƒ?? Handling Challenging Situations
    ƒ?? The Role of Technology in Customer Service
    ƒ?? Working with Internal Customers

    Audience: Bank or Credit Union employees who have direct or indirect contact with consumers

  • Customer Service Innovation

    Finding new ways to help people solve problems and get things done is why there are goods and services in the first place. In the Customer Service Innovation course, a vital need is filled by delivering the essential service guidance that can put your business on the latest frontier of value creation.  Take your customer service skills to the next level!

    Among the numerous key ideas and practices are:

    • Insight on understanding the different types of clients you serve—and how your products deliver value to them
    • Ways to design specific frameworks for discovering service innovation opportunities for new, improved, and supplementary service products
    • Practical guidance on staying focused on the “fuzzy front end” of service innovation
    • The fundamental elements of a winning service strategy

    Audience: Anyone involved in customer service

  • Cybersecurity Fundamentals

    Helps bank employees understand supervisory expectations, increase awareness of cybersecurity risks, and assess and mitigate the risks facing their institutions.

    What You’ll Learn

    After completing this course, students will be able to:

    • Describe the purpose of digital security laws and types of protected information
    • Describe guidelines for protecting information through security measures

    Audience: All bank frontline and back-office staff who want to increase their awareness of cybersecurity risks.

  • Cybersecurity Management

    An understanding of the risks associated with technology and its importance to the bank’s operations and its management. Learn what to consider regarding the protection of technology, systems and data from inappropriate modification or destruction.

    What You’ll Learn
    After successfully completing this course, you will be able to:

    • Learn how technology used by banks influences cybersecurity risk
    • Describe the regulatory environment for cybersecurity, including GLBA requirements and financial regulatory guidance
    • Identify risk stressors that affect the level of cyber risk
    • Review the three key activities included in an effective cyber risk management program

    Audience: Risk managers and cybersecurity professionals who are responsible for implementing, managing and monitoring the bank's information security programs and support the bank's overall responsibilities and culture of an effective cybersecurity program.

  • Dealing Effectively with Co-workers

    Focuses on the behaviors of and interactions between co-workers, and teaches methods to improve working relationships with difficult co-workers. This course introduces the characteristics of the four behavioral (base preference) groups, and explains how they affect communication between co-workers. It describes how to create some common ground with difficult co-workers or clients.

    What You’ll Learn

    After successfully completing this course, you will be able to:

    • Identify elements that contribute to individual perspective
    • Describe how perspective drives actions and behaviors
    • Describe how behavior choices impact the work environment
    • Describe the characteristics and behaviors of the four base preference groups
    • Explain the differences found in the same base preference group
    • Describe how to look at things from a different perspective
    • Describe the benefits and challenges of working with behavioral opposites
    • Use the five steps to enhance the working relationship with a difficult co-worker
    • Describe the benefits of focusing on what someone else finds important

    Audience: Bank personnel at all levels.

  • Deposit Account Regulatory Update

    Audience:

  • Deposit Accounts and Services

    The Deposit Accounts and Services course provides the tools you need to effectively open deposit accounts and help potential customers make the best account choices. It will increase your understanding of the different types of account ownership.  At the conclusion of the program participants will be able to:  understand deposit investment counseling; state the account owner’s rights and responsibilities; examine new account precautions; compare savings, checking, money market accounts and certificates of deposit; define individual, joint, corporate, partnership and trust account ownership; understand contributions and distributions of Traditional, Roth, Education, SEP and SIMPLE IRAs; and accurately administer decedent accounts when an owner dies testate or intestate.

    Textbook chapter topics include:

    • The Role of the Account Representative
    • Opening Deposit Accounts
    • Types of Deposit Accounts
    • Single Owner Accounts
    • Joint Tenancy
    • Other Multiple Owner Accounts
    • Fiduciary Accounts
    • Retirement Plans
    • Decedent Accounts

    Audience: Financial counselors, personal bankers, supervisors, managers, tellers and customer service representatives.

  • Deposit Accounts and Services

    The Deposit Accounts and Services course provides the tools you need to effectively open deposit accounts and help potential customers make the best account choices. It will increase your understanding of the different types of account ownership.  At the conclusion of the program participants will be able to:  understand deposit investment counseling; state the account owner’s rights and responsibilities; examine new account precautions; compare savings, checking, money market accounts and certificates of deposit; define individual, joint, corporate, partnership and trust account ownership; understand contributions and distributions of Traditional, Roth, Education, SEP and SIMPLE IRAs; and accurately administer decedent accounts when an owner dies testate or intestate.

    Textbook chapter topics include:

    • The Role of the Account Representative
    • Opening Deposit Accounts
    • Types of Deposit Accounts
    • Single Owner Accounts
    • Joint Tenancy
    • Other Multiple Owner Accounts
    • Fiduciary Accounts
    • Retirement Plans
    • Decedent Accounts

    Audience: Financial counselors, personal bankers, supervisors, managers, tellers and customer service representatives

  • Deposit Accounts and Services

    The Deposit Accounts and Services course provides the tools you need to effectively open deposit accounts and help potential customers make the best account choices. It will increase your understanding of the different types of account ownership.  At the conclusion of the program participants will be able to:  understand deposit investment counseling; state the account owner’s rights and responsibilities; examine new account precautions; compare savings, checking, money market accounts and certificates of deposit; define individual, joint, corporate, partnership and trust account ownership; understand contributions and distributions of Traditional, Roth, Education, SEP and SIMPLE IRAs; and accurately administer decedent accounts when an owner dies testate or intestate.

    Textbook chapter topics include:

    • The Role of the Account Representative
    • Opening Deposit Accounts
    • Types of Deposit Accounts
    • Single Owner Accounts
    • Joint Tenancy
    • Other Multiple Owner Accounts
    • Fiduciary Accounts
    • Retirement Plans
    • Decedent Accounts

    Audience: Financial counselors, personal bankers, supervisors, managers, tellers and customer service representatives

  • Deposit Accounts and Services

    The Deposit Accounts and Services course provides the tools you need to effectively open deposit accounts and help potential customers make the best account choices. It will increase your understanding of the different types of account ownership.  At the conclusion of the program participants will be able to:  understand deposit investment counseling; state the account owner’s rights and responsibilities; examine new account precautions; compare savings, checking, money market accounts and certificates of deposit; define individual, joint, corporate, partnership and trust account ownership; understand contributions and distributions of Traditional, Roth, Education, SEP and SIMPLE IRAs; and accurately administer decedent accounts when an owner dies testate or intestate.

    Textbook chapter topics include:

    • The Role of the Account Representative
    • Opening Deposit Accounts
    • Types of Deposit Accounts
    • Single Owner Accounts
    • Joint Tenancy
    • Other Multiple Owner Accounts
    • Fiduciary Accounts
    • Retirement Plans
    • Decedent Accounts

    Audience: Financial counselors, personal bankers, supervisors, managers, tellers and customer service representatives

  • Deposit Accounts and Services

    The Deposit Accounts and Services course provides the tools you need to effectively open deposit accounts and help potential customers make the best account choices. It will increase your understanding of the different types of account ownership.  At the conclusion of the program participants will be able to:  understand deposit investment counseling; state the account owner’s rights and responsibilities; examine new account precautions; compare savings, checking, money market accounts and certificates of deposit; define individual, joint, corporate, partnership and trust account ownership; understand contributions and distributions of Traditional, Roth, Education, SEP and SIMPLE IRAs; and accurately administer decedent accounts when an owner dies testate or intestate.

    Textbook chapter topics include:

    • The Role of the Account Representative
    • Opening Deposit Accounts
    • Types of Deposit Accounts
    • Single Owner Accounts
    • Joint Tenancy
    • Other Multiple Owner Accounts
    • Fiduciary Accounts
    • Retirement Plans
    • Decedent Accounts

    Audience: Financial counselors, personal bankers, supervisors, managers, tellers and customer service representatives

  • Deposit Accounts and Services

    The Deposit Accounts and Services course provides the tools you need to effectively open deposit accounts and help potential customers make the best account choices. It will increase your understanding of the different types of account ownership. At the conclusion of the program participants will be able to: understand deposit investment counseling; state the account ownerƒ??s rights and responsibilities; examine new account precautions; compare savings, checking, money market accounts and certificates of deposit; define individual, joint, corporate, partnership and trust account ownership; understand contributions and distributions of Traditional, Roth, Education, SEP and SIMPLE IRAs; and accurately administer decedent accounts when an owner dies testate or intestate.

    Textbook chapter topics include:
    – The Role of the Account Representative
    – Opening Deposit Accounts
    – Types of Deposit Accounts
    – Single Owner Accounts
    – Joint Tenancy
    – Other Multiple Owner Accounts
    – Fiduciary Accounts
    – Retirement Plans
    – Decedent Accounts

    Audience: Financial counselors, personal bankers, supervisors, managers, tellers and customer service representatives

  • Deposit Accounts and Services

    The Deposit Accounts and Services course provides the tools you need to effectively open deposit accounts and help potential customers make the best account choices. It will increase your understanding of the different types of account ownership. At the conclusion of the program participants will be able to: understand deposit investment counseling; state the account owner’s rights and responsibilities; examine new account precautions; compare savings, checking, money market accounts and certificates of deposit; define individual, joint, corporate, partnership and trust account ownership; understand contributions and distributions of Traditional, Roth, Education, SEP and SIMPLE IRAs; and accurately administer decedent accounts when an owner dies testate or intestate.

    Textbook chapter topics include:

    • The Role of the Account Representative
    • Opening Deposit Accounts
    • Types of Deposit Accounts
    • Single Owner Accounts
    • Joint Tenancy
    • Other Multiple Owner Accounts
    • Fiduciary Accounts
    • Retirement Plans
    • Decedent Accounts

    Audience: Financial counselors, personal bankers, supervisors, managers, tellers and customer service representatives

  • Deposit Accounts and Services

    The Deposit Accounts and Services course provides the tools you need to effectively open deposit accounts and help potential customers make the best account choices. It will increase your understanding of the different types of account ownership. At the conclusion of the program participants will be able to: understand deposit investment counseling; state the account owner’s rights and responsibilities; examine new account precautions; compare savings, checking, money market accounts and certificates of deposit; define individual, joint, corporate, partnership and trust account ownership; understand contributions and distributions of Traditional, Roth, Education, SEP and SIMPLE IRAs; and accurately administer decedent accounts when an owner dies testate or intestate.

    Textbook chapter topics include:

    • The Role of the Account Representative
    • Opening Deposit Accounts
    • Types of Deposit Accounts
    • Single Owner Accounts
    • Joint Tenancy
    • Other Multiple Owner Accounts
    • Fiduciary Accounts
    • Retirement Plans
    • Decedent Accounts

    Audience: Financial counselors, personal bankers, supervisors, managers, tellers and customer service representatives

  • Deposit Accounts and Services

    The Deposit Accounts and Services course provides the tools you need to effectively open deposit accounts and help potential customers make the best account choices. It will increase your understanding of the different types of account ownership.  At the conclusion of the program participants will be able to:  understand deposit investment counseling; state the account owner’s rights and responsibilities; examine new account precautions; compare savings, checking, money market accounts and certificates of deposit; define individual, joint, corporate, partnership and trust account ownership; understand contributions and distributions of Traditional, Roth, Education, SEP and SIMPLE IRAs; and accurately administer decedent accounts when an owner dies testate or intestate.

    Textbook chapter topics include:

    • The Role of the Account Representative
    • Opening Deposit Accounts
    • Types of Deposit Accounts
    • Single Owner Accounts
    • Joint Tenancy
    • Other Multiple Owner Accounts
    • Fiduciary Accounts
    • Retirement Plans
    • Decedent Accounts

    Audience: Financial counselors, personal bankers, supervisors, managers, tellers and customer service representatives.

  • Determining Your Role in Fraud Prevention

    A detailed look at mortgage fraud characteristics, the ways individuals or groups perpetrate fraud in a mortgage transaction, and strategies to detect and reduce mortgage fraud for mortgage loan originators (MLOs) and mortgage operations personnel. The course includes an overview of U.S. mortgage fraud statistics, motivators, common fraud schemes and the red flags that may indicate the presence of mortgage fraud throughout the loan process, beginning at the point of application.

    Produced by Ellie Mae/ AllRegs®

    What You’ll Learn

    After successfully completing this course, you will be able to:

    • Identify types of mortgage fraud by their key characteristics
    • Describe common mortgage fraud schemes
    • Explain how to recognize red flags as indicators of mortgage fraud
    • List tools that help you prevent fraud
    • Describe your role in protecting your company against mortgage fraud

    Audience: Lending operations staff, including: Loan Originators, Underwriters, Processors.

  • Developing a Personalized Wealth Management Strategy

    Provides approaches to understand, interpret and restate a client’s wealth strategy by drawing from their financial plan, estate documents and investment or asset management plans. Explains how to look for alignment, consistency and gaps in the articulated plan and the client’s expectations.

    What You’ll Learn

    After completing this course, students will be able to:

    • Recognize why a wealth plan is critical to achieving a client’s long and short-term financial goals
    • Explore the steps in a wealth management strategy to probe deeper and analyze the client’s documents
    • Evaluate client structures to ensure they serve the wealth management strategy
    • Provide solutions to make the client’s wealth management strategy a reality
    • Determine ways to keep clients engaged during ongoing monitoring and communication

    Audience: Fiduciary [trust] advisors, planners and team leaders with at least three years of wealth management-related experience seeking a deeper understanding of how a client’s wealth strategy is implemented through legal entity structures and assets to achieve expected goals.

  • Developing a Strong Enterprise-Wide Risk Assessment for Your ERM Program

    Financial Institutions provide great value to the American economy. But that value comes with risks. Strategic-minded institutions do not strive to eliminate risk or even to minimize it – they strive to manage risk at the enterprise-wide level. These enterprises seek to manage risk exposure so that, at any given time, they incur just enough of the right kind of risk-no more, no less-to effectively pursue their strategic goals. This is referred to as “Optimal Risk-Taking.” This webinar will take you through a step-by-step process to develop Risk Assessments to address key areas of your credit union. The presenter will share her experience in developing an enterprise-wide process to conduct Risk Assessments in a practical, sustainable, and easy way to understand. You will walk away with practical tools and examples you can implement in your organization immediately.

    Covered Topics
    -Overall view of Enterprise Risk Management and key components
    -The three key areas of ERM and how Risk Assessments fit in
    -The Risk Assessment Process
    -Identifying and assessing risks ? enterprise wide
    -What is a Risk Assessment System (RAS) and its relationship to CAMELS rating
    -The top eight risks and other important ones
    -How to conduct an ERM Risk Assessment using a Matrix ? The core of risk assessments
    -The various types of risk assessments based on the area of risk and what they consist of

    Audience: This informative session is designed for Risk Managers, Chief Risk Officers, Compliance Officers, Chief Operating Officer, Chief Credit Officer, and the entire risk management team.

  • Developing and Delivering a Compelling Personal Value Proposition

    Focuses on differentiating the firm and advisor from all others as an essential way of answering the critical question, “Why do business with me?” Explains that being competent in providing a crisp, meaningful and authentic value proposition raises the advisor’s level of professionalism and helps them make a compelling case for earning new business from prospects and centers of influence.

    What You’ll Learn

    After completing this course, students will be able to:

    • Explain the importance of a value proposition
    • Describe different types of value propositions that explain what you do and how you do your business
    • Devise, revise and deliver a concise personal value proposition that answers the question, “Why do business with me?”

    Audience: Client-facing wealth advisors, (fiduciary [trust] advisors, portfolio managers, bankers, planners) with at least one year of wealth management-related experience who want to raise their competency in presenting themselves, what they have to offer and how they engage with clients.

  • Diamond Level Webinar Subscription

    Benefits:

    -30% Savings
    -Shareable for your entire institution
    -Simplify your budgeting process
    -Lower rate than purchasing individual
    webinars
    -Ability to choose Live, OnDemand, or
    CD Registrations
    -WSP Credits do not expire
    Over 300 Webinars to choose from each
    year

    Credit Structure:

    -Live or OnDemand – 1 Credit
    -CD ROM and Handouts – 1.25 Credits
    -Live PLUS OnDemand – 1.25 Credits
    -Premier Package – 1.5 Credits

    Audience:

  • Digital Banker Suite

    Today’s bank customer is increasingly reliant on digital services. The Digital Banker Suite provides frontline bankers with a thorough understanding of the mobile and digital products banks offer so they can assist customers with their online banking needs. Five micro-courses* explore the many digital and mobile options available to consumers and how to use them to make the most of this “digital first” economy. Learn how to explain and use digital solutions and hone the skills necessary to provide excellent customer service on social media and video-enabled platforms.

    Courses*

    *Only available as a suite

    • Digital Beginnings
      Learn about the importance of considering bank goals and brand image when communicating online.  Discover the types of money management apps and tools available to help customers manage their funds. Realize the opportunities to transform processes and products to digital solutions as customer expectations for online and mobile banking accelerate.
    • Moving to Mobile
      Learn how various mobile devices and their apps rely on common operating systems to guide interactions between computer system operations and computers physical components.
    • Mobile Transactions
      Learn about the payment products landscape and the various transactions that take place digitally on mobile devices that offer security, convenience and speed. Discuss mobile wallets, peer-to-peer payment services and loyalty and rewards programs.
    • Promoting Online Safety
      Learn about the risks customers face as they use the internet to bank quickly and conveniently. Gain a better understanding of how to help customers minimize risk and use secure steps to conduct online transactions safely.
    • Digital Customer Service
      Learn how the quality of service you provide can exceed customer expectations, enhance your company’s reputation, and increase revenue through the use of social media, digital one-on-one problem solving and video-enabled solutions.

    Audience: Bank training staff, branch managers and bankers, call and customer support staff.

  • Digital Compliance for Compliance Professionals

    Explores the fundamental issues of compliance in the age of electronic signatures and the Web, as well as how to apply the various rules when engaging with customers and employees in the digital world.

    What You’ll Learn
    After completing this course, students will be able to:

    • Explain the advertising rules for financial institutions
    • Define social media and the FFIEC guidance requirements
    • Describe the regulatory considerations associated with digital banking services
    • Explain mobile banking services and the regulatory requirements
    • Identify the considerations for a vendor handling a bank’s digital channels

    Audience: Compliance and risk management professionals including compliance managers, officers, and other team members whose primary role is within the compliance function at their financial institution; bank examiners, bank regulators, and auditors.

  • Digital Trends: Blockchain

    Free for ABA Members

    Covers the main points of the blockchain process to help a bank’s board of directors recognize how blockchain reduces transaction processing time and drives down costs. A bank’s board should also recognize that senior management needs to have a basic understanding of blockchain to determine how its application could improve internal efficiencies, and it should indicate in a bank strategy plan that it is open to blockchain’s technology and innovation.

    What You’ll Learn
    After successfully completing the course, you will be able to:

    • Describe the features of blockchain
    • Examine the differences between permissionless and permissioned validation systems
    • Describe examples of blockchain innovation
    • Explore blockchain challenges related to process standards, platform integration, and security and legal risks

    Audience: For members of a bank's board of directors.

  • Digital Trends: Cybersecurity

    Free for ABA Members

    Covers the main points of cybersecurity risks to help a bank’s board of directors realize the importance of setting strategy and work closely with the information security function to establish policies and procedures that protect a bank and customers. This includes understanding what a bank is doing to protect internal data, the data of its partners, and the data of its customers.

    What You’ll Learn
    After successfully completing the course, you will be able to:

    • Describe the severity of financial and reputational cyber risk
    • Explain the cybersecurity responsibilities assigned to the board of directors
    • Explore how to work closely with the information security function to establish the cybersecurity policies and procedures

    Audience: For members of a bank's board of directors.

  • Digital Trends: Payments

    Free for ABA Members

    Covers the main points of innovation in the digital payments space to help a bank’s board of directors understand how mobile devices drive seamless purchase decisions and how smart data anticipates and prompts both the purchase decision and payment. A bank’s board of directors should recognize that a bank that provides P2P payments will meet today’s customer expectations for instant, mobile payments that will increase customer loyalty and engagement.

    What You’ll Learn
    After successfully completing the course, you will be able to:

    • Describe examples of trends in digital payments innovation
    • Explain the risks associated with digital payment internal and external communication and customer engagement

    Audience: For members of a bank's board of directors.

  • Discovering FHA Programs

    An overview of the Federal Housing Administration and the Department of Housing and Urban Development’s role in providing mortgage insurance on a variety of lending programs. The course examines the basics of FHA programs, such as eligibility requirements, maximum loan amounts, occupancy requirements and mortgage insurance premiums. 

    Produced by Ellie Mae/ AllRegs®

    What You’ll Learn

    After completing this course, students will be able to:

    • List the benefits and challenges of FHA loans
    • Differentiate between Title I and Title II loans
    • List insurable and uninsurable properties
    • Identify key differences between FHA and conventional loans
    • Review key characteristics of some of the more common FHA programs
    • Locate and use related websites and resources

    Audience: Loan Processors, Underwriters, Loan Originators.

  • Discretionary Distributions

    Explains typical trust guidance and common discretionary standards to make sound decisions about trust distributions. Covers discretionary distributions from the perspectives of the trust beneficiaries and with a focus on potential tax consequences of discretionary distributions, and presents the proper techniques for documenting the discretionary distribution decision. 

    What You’ll Learn

    After completing this course, students will be able to:

    • Describe typical trust guidance for discretionary distributions and common discretionary standards
    • Explain how trust beneficiary circumstances and taxes can affect discretionary distribution decisions
    • Describe the documentation requirements associated with discretionary distributions

    Audience: Trust officers with at least three years of personal trust experience who need a deeper understanding of technical trust concepts and how solutions work when applied to client needs.

  • Diversifying the Board: Strategies and Best Practices

    Free for ABA Members

    Diversity isn’t just a matter of checking a box— it’s about identifying qualified directors who provide different perspectives based on different backgrounds, life experiences, and mindsets. This video shows how banks can improve operations by increasing their boards’ racial, ethnic, and gender diversity. Viewers will come away with a deeper understanding of the forces that drive banks to diversify their boards of directors and will be able to apply these ideas to their own institutions.

    What You’ll Learn

    • Describe the advantages of diversifying bank boards
    • Explore ideas to increase the diverse composition of bank boards

    Audience: For members of a bank's board of directors

  • Duties and Powers of the Trustee

    Explains the scope of a trustee’s authority. Describes the duty of loyalty and the duty to preserve trust property. Explains how a prudent trustee would delegate authority as a co-trustee. Describes administrative duties, including the duty to keep accounts. Explains trust administration during the settlor’s lifetime and following the settlor’s death, and defines discretionary powers. Identifies issues related to trustee vacancies and successor trustees.

    What You’ll Learn

    After completing this course, students will be able to:

    • Describe a prudent trustee’s duties and behaviors
    • Describe a trustee’s administrative duties
    • Explain the powers of the trustee during the settlor’s lifetime and after the settlor’s death

    Audience: Trust officers with at least three years of personal trust experience who need a deeper understanding of technical trust concepts and how solutions work when applied to client needs.

  • e-Commerce

    E-commerce continues to have a dramatic impact on virtually every aspect of business. And following the 2009 recession on electronic commerce, its role is even more critical. Packed with the most cutting-edge coverage available, this course equips students with a solid understanding of the dynamics of this fast-paced industry. It delivers comprehensive coverage of emerging online business strategies and technologies in the electronic commerce marketplace. By detailing how the landscape of online commerce is evolving, this course reflects changes in the economy and how business and society are responding to those changes. Balancing technological issues with the strategic business aspects of successful ecommerce, the course includes expanded coverage of e commerce growth in China and the developing world, social media and online marketing strategies, technology-enabled outsourcing, and the latest development in online payment processing systems.

    Features:

    • Thoroughly revised and updated, the exciting Tenth Edition of ELECTRONIC COMMERCE delivers solid coverage of such emerging and expanding issues as first mover advantage and alternative revenue strategies, the use of smart phones in online business, the role of branding in online sales, recent developments in online sales of music and videos, new forms of text advertising, social networking, mobile commerce, developments in microlending, and online customer relationship management tools.
    • Illustrating important points with actual business cases, including the “Learning from Failure” feature, captivates students with real-world examples of successful and unsuccessful online business strategies, the book gives students insight into the struggles, accomplishments, and excitement of e-commerce.
    • Cases in every chapter enable students to put what they’ve learned into practice. Each chapter includes two cases, giving readers plenty of hands-on experience applying text concepts to actual situations faced by real companies.
    • Providing opportunities for further independent study, each chapter concludes with a comprehensive list of resources that serves as a starting point for readers who want to learn more about text topics.
    • Complementing the textbook, the Online Companion links to online resources that illustrate the concepts presented in the text.

    Audience: Anyone wishing to expand their technological marketing knowledge.

  • E-Sign Compliance

    Summarizes key aspects of compliance with the E-SIGN Act to assist banks to comply with the act.  Covers compliance with the E-SIGN Act provisions including consumer disclosure and consent, types of electronic disclosures that require consumer consent, and methods for obtaining demonstrable consent. Explains E-signatures and E-SIGN record retention requirements.

    What You’ll Learn

    After completing this course, students will be able to:

    • Explain the E-SIGN Act’s purpose and requirements for bank consumer transactions
    • Describe the impact of E-SIGN on your bank’s compliance with existing regulations 
    • Identify the planning considerations and requirements for implementing digital signatures in your bank

    Audience: Employees who open accounts or sign-up consumers for electronic statements or disclosures. Loan personnel who provide disclosures electronically. Employees involved in e-commerce or electronic banking. Individual involved with contracts with vendors and third parties. Back office personnel who facilitate electronic statements or disclosures, and IT personnel involved in systems design.

  • ECOA and Regulation B: Overview

    Provides an overview of purpose, applicability and prohibitions of the Equal Credit Opportunity Act and Regulation B, and explains how the ECOA applies throughout the credit cycle and to all creditor activity.

    What You’ll Learn

    After completing this course, students will be able to:

    • Explain the purpose, applicability, and prohibitions of Regulation B
    • Explain how Regulation B applies through phases of the credit life cycle
    • Describe Regulation B’s provisions that pertain to all creditor activity

    Audience: Bank personnel who take and process loan applications.

  • Economics

    This Economics course is ACE recommended for college credit transfer!

    This macroeconomics course applies economics to phenomenon that students are familiar with and interested in.  This course teaches students how economic analysis can be applied to virtually anything of interest, thus helping students develop true economic intuition.  This economics course focuses on macroeconomics, and offers a unique blend of solid theory, while utilizing intriguing applications that convey the prevalence of economics in everyday life.

    Textbook chapter topics include:

    • Limits, Alternatives, and Choices
    • The Market System and the Circular Flow
    • Demand, Supply and Market Equilibrium
    • Public Goods and Externalities
    • GDP and Economics Growth
    • Business Cycles, Unemployment, and Inflation
    • Aggregate Demand and Aggregate Supply
    • Fiscal Policy, Deficits and Debt
    • Money and Banking
    • Interest Rates and Monetary Policy
    • Long-Run Aggregate Supply and Aggregate Demand
    • International Trade and Exchange Rates

    Audience: Students who have not had a formal course in economics and who wish to increase their understanding of macroeconomics.

  • Economics

    This macroeconomics course applies economics to phenomenon that students are familiar with and interested in. This course teaches students how economic analysis can be applied to virtually anything of interest, thus helping students develop true economic intuition. This economics course focuses on macroeconomics, and offers a unique blend of solid theory, while utilizing intriguing applications that convey the prevalence of economics in everyday life.

    Textbook chapter topics include:

    • Limits, Alternatives, and Choices
    • The Market System and the Circular Flow
    • Demand, Supply and Market Equilibrium
    • Public Goods and Externalities
    • GDP and Economics Growth
    • Business Cycles, Unemployment, and Inflation
    • Aggregate Demand and Aggregate Supply
    • Fiscal Policy, Deficits and Debt
    • Money and Banking
    • Interest Rates and Monetary Policy
    • Long-Run Aggregate Supply and Aggregate Demand
    • International Trade and Exchange Rates

    Audience: Students who have not had a formal course in economics and who wish to increase their understanding of macroeconomics

  • Economics

    This Economics course is ACE recommended for college credit transfer!

    This macroeconomics course applies economics to phenomenon that students are familiar with and interested in. This course teaches students how economic analysis can be applied to virtually anything of interest, thus helping students develop true economic intuition. This economics course focuses on macroeconomics, and offers a unique blend of solid theory, while utilizing intriguing applications that convey the prevalence of economics in everyday life.

    Textbook chapter topics include:

    • Limits, Alternatives, and Choices
    • The Market System and the Circular Flow
    • Demand, Supply and Market Equilibrium
    • Public Goods and Externalities
    • GDP and Economics Growth
    • Business Cycles, Unemployment, and Inflation
    • Aggregate Demand and Aggregate Supply
    • Fiscal Policy, Deficits and Debt
    • Money and Banking
    • Interest Rates and Monetary Policy
    • Long-Run Aggregate Supply and Aggregate Demand
    • International Trade and Exchange Rates

    Audience: Students who have not had a formal course in economics and who wish to increase their understanding of macroeconomics

  • Economics

    This Economics course is ACE recommended for college credit transfer!

    This macroeconomics course applies economics to phenomenon that students are familiar with and interested in. This course teaches students how economic analysis can be applied to virtually anything of interest, thus helping students develop true economic intuition. This economics course focuses on macroeconomics, and offers a unique blend of solid theory, while utilizing intriguing applications that convey the prevalence of economics in everyday life.

    Textbook chapter topics include:

    • Limits, Alternatives, and Choices
    • The Market System and the Circular Flow
    • Demand, Supply and Market Equilibrium
    • Public Goods and Externalities
    • GDP and Economics Growth
    • Business Cycles, Unemployment, and Inflation
    • Aggregate Demand and Aggregate Supply
    • Fiscal Policy, Deficits and Debt
    • Money and Banking
    • Interest Rates and Monetary Policy
    • Long-Run Aggregate Supply and Aggregate Demand
    • International Trade and Exchange Rates

    Audience: Students who have not had a formal course in economics and who wish to increase their understanding of macroeconomics

  • Economics

    This Economics course is ACE recommended for college credit transfer!

    This macroeconomics course applies economics to phenomenon that students are familiar with and interested in. This course teaches students how economic analysis can be applied to virtually anything of interest, thus helping students develop true economic intuition. This economics course focuses on macroeconomics, and offers a unique blend of solid theory, while utilizing intriguing applications that convey the prevalence of economics in everyday life.

    Textbook chapter topics include:

    • Limits, Alternatives, and Choices
    • The Market System and the Circular Flow
    • Demand, Supply and Market Equilibrium
    • Public Goods and Externalities
    • GDP and Economics Growth
    • Business Cycles, Unemployment, and Inflation
    • Aggregate Demand and Aggregate Supply
    • Fiscal Policy, Deficits and Debt
    • Money and Banking
    • Interest Rates and Monetary Policy
    • Long-Run Aggregate Supply and Aggregate Demand
    • International Trade and Exchange Rates

    Audience: Students who have not had a formal course in economics and who wish to increase their understanding of macroeconomics

  • Economics

    This Economics course is ACE recommended for college credit transfer!

    This macroeconomics course applies economics to phenomenon that students are familiar with and interested in. This course teaches students how economic analysis can be applied to virtually anything of interest, thus helping students develop true economic intuition. This economics course focuses on macroeconomics, and offers a unique blend of solid theory, while utilizing intriguing applications that convey the prevalence of economics in everyday life.

    Textbook chapter topics include:

    • Limits, Alternatives, and Choices
    • The Market System and the Circular Flow
    • Demand, Supply and Market Equilibrium
    • Public Goods and Externalities
    • GDP and Economics Growth
    • Business Cycles, Unemployment, and Inflation
    • Aggregate Demand and Aggregate Supply
    • Fiscal Policy, Deficits and Debt
    • Money and Banking
    • Interest Rates and Monetary Policy
    • Long-Run Aggregate Supply and Aggregate Demand
    • International Trade and Exchange Rates

    Audience: Students who have not had a formal course in economics and who wish to increase their understanding of macroeconomics

  • Economics

    This Economics course is ACE recommended for college credit transfer!

    This macroeconomics course applies economics to phenomenon that students are familiar with and interested in. This course teaches students how economic analysis can be applied to virtually anything of interest, thus helping students develop true economic intuition. This economics course focuses on macroeconomics, and offers a unique blend of solid theory, while utilizing intriguing applications that convey the prevalence of economics in everyday life.

    Textbook chapter topics include:

    • Limits, Alternatives, and Choices
    • The Market System and the Circular Flow
    • Demand, Supply and Market Equilibrium
    • Public Goods and Externalities
    • GDP and Economics Growth
    • Business Cycles, Unemployment, and Inflation
    • Aggregate Demand and Aggregate Supply
    • Fiscal Policy, Deficits and Debt
    • Money and Banking
    • Interest Rates and Monetary Policy
    • Long-Run Aggregate Supply and Aggregate Demand
    • International Trade and Exchange Rates

    Audience: Students who have not had a formal course in economics and who wish to increase their understanding of macroeconomics

  • Economics

    This Economics course is ACE recommended for college credit transfer!

    This macroeconomics course applies economics to phenomenon that students are familiar with and interested in. This course teaches students how economic analysis can be applied to virtually anything of interest, thus helping students develop true economic intuition. This economics course focuses on macroeconomics, and offers a unique blend of solid theory, while utilizing intriguing applications that convey the prevalence of economics in everyday life.

    Textbook chapter topics include:

    • Limits, Alternatives, and Choices
    • The Market System and the Circular Flow 
    • Demand, Supply and Market Equilibrium
    • Public Goods and Externalities
    • GDP and Economics Growth
    • Business Cycles, Unemployment, and Inflation
    • Aggregate Demand and Aggregate Supply
    • Fiscal Policy, Deficits and Debt
    • Money and Banking
    • Interest Rates and Monetary Policy
    • Long-Run Aggregate Supply and Aggregate Demand
    • International Trade and Exchange Rates

    Audience: Students who have not had a formal course in economics and who wish to increase their understanding of macroeconomics

  • Economics

    This Economics course is ACE recommended for college credit transfer!

    This macroeconomics course applies economics to phenomenon that students are familiar with and interested in. This course teaches students how economic analysis can be applied to virtually anything of interest, thus helping students develop true economic intuition. This economics course focuses on macroeconomics, and offers a unique blend of solid theory, while utilizing intriguing applications that convey the prevalence of economics in everyday life.

    Textbook chapter topics include:

    • Limits, Alternatives, and Choices
    • The Market System and the Circular Flow
    • Demand, Supply and Market Equilibrium
    • Public Goods and Externalities
    • GDP and Economics Growth
    • Business Cycles, Unemployment, and Inflation
    • Aggregate Demand and Aggregate Supply
    • Fiscal Policy, Deficits and Debt
    • Money and Banking
    • Interest Rates and Monetary Policy
    • Long-Run Aggregate Supply and Aggregate Demand
    • International Trade and Exchange Rates

    Audience: Students who have not had a formal course in economics and who wish to increase their understanding of macroeconomics

  • Economics

    This Economics course is ACE recommended for college credit transfer!

    This macroeconomics course applies economics to phenomenon that students are familiar with and interested in. This course teaches students how economic analysis can be applied to virtually anything of interest, thus helping students develop true economic intuition. This economics course focuses on macroeconomics, and offers a unique blend of solid theory, while utilizing intriguing applications that convey the prevalence of economics in everyday life.

    Textbook chapter topics include:

    • Limits, Alternatives, and Choices
    • The Market System and the Circular Flow
    • Demand, Supply and Market Equilibrium
    • Public Goods and Externalities
    • GDP and Economics Growth
    • Business Cycles, Unemployment, and Inflation
    • Aggregate Demand and Aggregate Supply
    • Fiscal Policy, Deficits and Debt
    • Money and Banking
    • Interest Rates and Monetary Policy
    • Long-Run Aggregate Supply and Aggregate Demand
    • International Trade and Exchange Rates

    Audience: Students who have not had a formal course in economics and who wish to increase their understanding of macroeconomics

  • Economics

    This Economics course is ACE recommended for college credit transfer!

    This macroeconomics course applies economics to phenomenon that students are familiar with and interested in. This course teaches students how economic analysis can be applied to virtually anything of interest, thus helping students develop true economic intuition. This economics course focuses on macroeconomics, and offers a unique blend of solid theory, while utilizing intriguing applications that convey the prevalence of economics in everyday life.

    Textbook chapter topics include:

    • Limits, Alternatives, and Choices
    • The Market System and the Circular Flow
    • Demand, Supply and Market Equilibrium
    • Public Goods and Externalities
    • GDP and Economics Growth
    • Business Cycles, Unemployment, and Inflation
    • Aggregate Demand and Aggregate Supply
    • Fiscal Policy, Deficits and Debt
    • Money and Banking
    • Interest Rates and Monetary Policy
    • Long-Run Aggregate Supply and Aggregate Demand
    • International Trade and Exchange Rates

    Audience: Students who have not had a formal course in economics and who wish to increase their understanding of macroeconomics

  • Economics and Markets

    Explains the macro-economic forces that affect financial markets and investment portfolios enabling advisors to have a deeper conversation about these topics with clients. Introduces the important relationship between interest rates and inflation, and explores the causes and effects of inflation and how inflation is measured.

    What You’ll Learn

    After completing this course, students will be able to:

    • Describe the relationships between macro-economic forces and financial markets
    • Explain how the Gross Domestic Product (GDP) affects the business cycle
    • Describe how changes in interest rates affect financial markets and investors
    • Describe how inflation affects GDP and investor buying decisions
    • Distinguish between the government’s fiscal policy and the Federal Reserve’s monetary policy

    Audience: Trust officers with at least three years of personal trust experience who need a deeper understanding of technical trust concepts and how solutions work when applied to client needs.

  • Education Planning for Minors

    Explains the requirements, advantages, disadvantages, and tax implications of 529 plans and Coverdell accounts. Describes the benefits and drawbacks, including the tax implications, of custodial accounts. Describes the fundamentals of 2503(c) trusts. Explains the requirements for using savings bonds for education planning. Discusses Crummey trusts, including the advantages, disadvantages, and the tax implications of the trusts.

    What You’ll Learn

    After completing this course, students will be able to:

    • Discuss the use of qualified state tuition plans 
    • Explain how a Coverdell Education Savings Account is used for college savings
    • Explore the role of custodial accounts
    • Describe the use of 2503(c) trusts
    • Examine how savings bonds are used for education planning
    • Recognize how Crummey trusts are used in estate planning

    Audience: Trust officers with at least three years of personal trust experience who need a deeper understanding of technical trust concepts and how solutions work when applied to client needs.

  • Effective Business Writing

    This Effective Business Writing course helps you to improve your written communication skills.  Good grammar and punctuation skills are prerequisites for this course.  The course content includes:  three stages of the writing process and special financial service writing characteristics; the “you attitude” writing technique; determining the reader’s need for scope, depth and language; complete, efficient and emphatic sentences that build to unified and organized paragraphs; common business letter characteristics and formatting; effective memos, emails, and letters for good-news, bad-news and persuasive writing situations; and writing effective reports and job procedures.

    Topics include:

    • Writing for Business
    • Writing Your Reader Can Understand
    • Writing as a Process
    • Writing Memos
    • Writing General Business Letters
    • Writing Good-News and Bad-News Letters
    • Writing to Persuade
    • Writing to Report
    • Writing to Document

    Audience: Designed for anyone whose current or future job requires effective written communication.

  • Effective Client Engagement Through "Wealth Personas"

    Explains how to understand clients based on who they are, their values, experiences and where they are in their financial lifecycle (building, preserving and transitioning) and how this awareness informs the advisor’s approach to relationship management.

    What You’ll Learn

    After completing this course, students will be able to:

    • Describe the meaning of a client’s wealth persona and its importance
    • Examine four financial stages to determine where clients are in their financial lives
    • Explore the source and measure of wealth to discover what “wealth” means to your clients
    • Describe behavior biases that shape a client’s wealth persona
    • Examine the four major wealth personality types that most clients fit into

    Audience: Client-facing wealth advisors (fiduciary [trust] advisors, portfolio managers, bankers, planners) with at least one year of wealth management-related experience who want to enhance their understanding of different client characteristics, views, values and expectations and increase their effectiveness serving unique needs.

  • Effective Commercial Loan Write-ups

    This course provides the necessary tools to effectively prepare and complete a commercial loan write-up that ensures loans are accurately represented and appropriately evaluated.

    What You’ll Learn

    After successfully completing the course, students will be able to:

    • Identify three reasons to create a loan write-up
    • Explain uses of a loan write-up and why
    • Identify and describe the desired information and data to include
    • Determine the appropriate risks, loan classifications and risk ratings to address

    Audience: Commercial and/or business bankers and credit analysts.

  • Effective Meetings

    Guides you through planning and managing effective meetings. Learn how to hold meetings that give your team the opportunity to interact, collaborate, and share ideas, as well as resolve problems and make informed decisions.

    What You’ll Learn

    After successfully completing the course, you will be able to:

    • Explore the key areas of preparing an effective meeting
    • Facilitate on-site and virtual meeting participation
    • Handle problem behaviors in meetings effectively

    Audience: For Management and Leadership Skills. Anyone who plans or facilitates meetings within the organization.

  • Effective Referrals Suite

    This suite of two courses, one exercise module, and one toolkit* explores the Effective Referral Model for recognizing, responding to, and revisiting referrals. Completing this suite provides tactics for identifying clues about financial needs and connecting them to appropriate products and services. Concise, impactful lessons can be applied on the job immediately. 

    Courses*

    *Only available as a suite

    • The Referral Process
      Guides you through connecting client-provided clues about financial needs to products and services using the Effective Referral Model. Create opportunities for building client relationships by identifying appropriate resources and guiding clients to them.
    • Making Referrals
      Guides you through introducing solutions and gauging interest in them. Uncover ways to establish a connection between the client and the appropriate specialist or resource. Gain insight into revisiting referrals to improve sales performance.
    • Effective Referrals – Apply What You’ve Learned
      Practice connecting clues about needs to products and services using the Effective Referral Model.
    • Toolkit
      Guides you through working with a coach to increase learning retention and provides additional reference materials for on-the-job application of the Effective Referral Model.

    Audience: Branch and administrative office staff, call center staff, tellers, new hires, and anyone who may interact with customers.

  • Eight Essential Crisis Communication Tips

    Being prepared for a crisis means having a good communications plan ready. Learn eight essential tips for creating and managing a crisis communications plan that will result in a team of trusting employees who will be more productive during times of adversity.

    Part of The Retail Playbook You Need to Succeed series, presented by Tonya Gossage

    What You’ll Learn

    • Understand the roles we all play in effective crisis communication
    • Use empathy, transparency and listening as tools to manage communication with employees
    • Use these eight tips to immediately take proactive, successful  steps in times of crisis 

    Audience: Chief Retail Banking Officers, Regional Branch Managers, Branch Managers, Call Center Managers, Customer Service and Call Center Representatives, Administration Officers

  • Elder Abuse, Identity Theft, Business Email Compromise Schemes, Human Trafficking and More

    During this program we will conduct staff training to detect and prevent four big crimes against your customer. We will look at the red flags and scenarios for Elder Abuse, Identity Theft, Business Email Compromise Schemes and Human Trafficking. We will look at the misuse of POAs, Cash, Fake Emails, Romantic Scams and more. Learn what the response of your financial institution should be when these activities hit our accounts and our members.

    Covered Topics
    -Red Flags for Elder Abuse
    -Privacy Issues in Elder Fraud
    -Romantic Scams, POAs, debit card abuse in elders
    -Identity Theft programs
    -Use of ITIN after SSN
    -Stealing purses and writing bad checks is back
    -How to detect bad identification
    -New Cyber Crimes on the New SAR are focused on business email attacks and compromises
    -Learn how good wire procedures can prevent this
    -Looking for human trafficking through account activity – use of squares and activity in the middle of the night

    Audience: All branch personnel, tellers, new accounts, loan officers and call centers who help and protect our members.

  • Elder Financial Abuse

    Elder Financial Abuse points out the signs and symptoms of elder abuse and how to act on behalf of an elderly person who is being abused. This course teaches frontline employees how to protect a senior’s selfƒ??esteem as well as his or her means of subsistence when employees suspect that an elderly person is being harmed financially.

    Audience: Tellers, CSRs and other Frontline bank employees

  • Elder Financial Exploitation

    Explains the forms of financial exploitation and how to recognize telemarketing schemes and online financial abuse. Explores the characteristics of seniors that make them targets of financial abuse. Analyzes the state and federal laws concerning elder financial abuse and how banks play a significant role in recognizing victimized seniors.

    What You’ll Learn

    After completing this course, students will be able to:

    • Identify possible elder financial exploitation, including internet and mail fraud schemes against elderly customers
    • Explain why seniors are vulnerable to financial exploitation
    • Describe the role banks play in recognizing and reporting possible signs of elder financial exploitation

    Audience: Tellers, CSRs and other Frontline bank employees.

  • Electronic Funds Transfer Act (Reg E) for Compliance Professionals

    Covers the fundamental requirements of the Electronic Funds Transfer Act (EFTA) and Regulation E with examples of dispute resolution application and checklists.

    What You’ll Learn
    After completing this course, students will be able to:

    • Describe the disclosures required by Regulation E and the penalties, and violations for non-compliance
    • Define electronic funds transfer error resolution
    • Explain how to handle inquiries about customer liability
    • Explain the Regulation E rules pertaining to debit cards and ATM overdraft fees, and fee restrictions and expiration dates on gift cards
    • Identify the transactions and disclosure requirements covered under the foreign remittance rules

    Audience: Compliance and risk management professionals including compliance managers, officers, and other team members whose primary role is within the compliance function at their financial institution; bank examiners, bank regulators, and auditors.

  • Electronic Funds Transfer Act - Regulation E

    Covers the fundamental requirements of the Electronic Funds Transfer Act (EFTA) and Regulation E with examples of dispute resolution application and checklists.

    Learning Objectives:
    After completing this course, students will be able to:

    -Describe the disclosures required by Regulation E and the penalties, and violations for non-compliance

    -Define electronic funds transfer error resolution

    -Explain how to handle inquiries about customer liability

    -Explain the Regulation E rules pertaining to debit cards and ATM overdraft fees, and fee restrictions and expiration dates on gift cards

    -Identify the transactions and disclosure requirements covered under the foreign remittance rules

    Audience: Compliance and risk management professionals including compliance managers, officers, and other team members whose primary role is within the compliance function at their financial institution; bank examiners, bank regulators, and auditors.

  • Elements of a Compliance Program for Compliance Professionals

    A must-have course for understanding the types of risk assessments, key risk indicators, the ranking of risk exposures, how to manage and control risk, how to identify risk trends and leveraging training to control risk. Learn tips on how to effectively communicate risks to your senior management and examiners.

    What You’ll Learn
    After completing this course, students will be able to:

    • Explain the key elements that form the foundation of a sound and effective compliance program
    • Identify ideas and examples of various ways each element can be integrated into compliance programs for banks of varying sizes, resources, geographies, and business activities
    • Describe how to document and present compliance programs to various constituencies such as senior management, the Board of Directors, or regulatory examiners

    Audience: Compliance professionals including compliance managers, officers, and other compliance team members whose primary role is within the compliance function at their financial institution; bank examiners, bank regulators, auditors and lending compliance professionals.

  • Elements of an Operational Risk Management Program

    Highlights the benefits of a strong operational risk program and identifies the key components banks should include, regardless of size or location. Provides an introduction to key definitions, types of risks, key risk indicators, monitoring and controlling risks, and identifying emerging trends.

    What You’ll Learn

    After successfully completing this course, you will be able to:

    • Explain the importance of an operational risk management program
    • Describe the categories of risks faced by banks
    • Identify the key components of an operational risk management framework
    • Describe in general the processes used by banks at each of these lifecycle stages:
      • Risk Identification
      • Risk Assessment
      • Risk Reporting
      • Risk Monitoring

    Audience: Risk and internal audit professionals; third-party service providers and state/federal examiners; first-line risk and operations managers with responsibilities for operational risk management, including implementing, managing, monitoring, reporting, auditing and/or supporting an effective operational risk management program, policies and procedures.

  • Emerging Leaders: Developing a Personal Value Proposition

    Learn how to present yourself in a compelling way and raise your level of performance by developing a meaningful personal value proposition that answers the question: “Why do business with me?”

    What You’ll Learn

    After completing this course, students will be able to:

    • Explain the importance of a value proposition
    • Describe different types of value propositions that explain what you do and how you do business
    • Devise, revise and deliver a concise personal value proposition that answers the question, “Why do business with me?”

    Audience: Emerging leaders across all functional areas, past participants of ABA schools and conferences, Wharton certificate holders, HR/training managers.

  • Emerging Leaders: Emotional Intelligence

    Learn what it means to be emotionally intelligent and how to cultivate this leadership skill to build more successful relationships with customers and staff. 

    What You’ll Learn

    After completing this course, students will be able to:

    • Describe what it means to be emotionally intelligent
    • Explain how emotionally intelligent behaviors lead to enhanced customer relationships
    • Explore customer expectations and communication styles and adapt your approach to customer engagement
    • Describe the key facets of emotional intelligence and improve your customer interactions

    Audience: Emerging leaders across all functional areas, past participants of ABA schools and conferences, Wharton certificate holders, HR/training managers.

  • Emerging Leaders: Mastering the Art of Inquiry

    Guide conversations, deepen relationships and enhance client engagement by developing effective inquiry skills. Learn to ask probing questions, navigate conversations and better understand clients’ financial picture to enhance service and drive results.

    What You’ll Learn

    After completing this course, students will be able to:

    • Describe the purpose and value of inquiry
    • Ask difficult questions and navigate uncomfortable conversations with clients
    • Use follow up questions to deepen knowledge about clients
    • Understand the characteristics of effective inquiry 
    • Explore techniques to enhance inquiry skills

    Audience: Various job roles across banks of all sizes.

  • Emotional Intelligence for Wealth Advisors

    Provides the meaning of emotional intelligence as the ability to perceive others’ emotions, understand the way people feel and react and to use this understanding to adapt our engagement with others. Describes the principles of emotional intelligence and how to apply them in working with wealth clients.

    What You’ll Learn

    After completing this course, students will be able to:

    • Describe what it means to be emotionally intelligent
    • Explain how emotionally intelligent behaviors lead to enhanced client relationships
    • Explore client expectations and communication styles to adapt your service approach for better client engagement
    • Describe the key facets of emotional intelligence to improve your social interactions with clients

    Audience: Client-facing wealth advisors (fiduciary [trust] advisors, portfolio managers, bankers, planners) with at least one year of wealth management-related experience who want to raise their acumen in understanding the role of emotions in serving higher net worth clients.

  • Employee Recognition

    Guides you through preparing and delivering recognition in a way that makes the employee feel valued and appreciated. Get tactics for reinforcing desired behaviors and actions for ongoing employee performance success. 

    What You’ll Learn

    After successfully completing this course, you will be able to:

    • Describe the difference between compensation and rewards and recognition
    • Communicate recognition effectively
    • Explain the importance of recognition for individuals and your team
    • Use key components of a meaningful recognition process that suits individual employees

    Audience: For Management and Leadership Skills. Any employee responsible for motivating staff regardless of the specific reporting relationship. This could include managers, supervisors, coaches, team leaders, and mentors.

  • Employment & Labor Law

    During the past decade, American businesses have shifted their focus in human resource management and labor relations to employment issues such as wrongful discharge, sexual discrimination, and other employee rights.  After successfully completing this Employment and Labor Law course, you will be able to:  describe Employment-at-will; identify commonly committed workplace torts; understand Title VII of the Civil Rights Act and Race Discrimination; describe gender and family issues legislation, as well as discrimination based on religion and national origin; discuss discrimination based on age and disability; and understand and describe EEO legislation.

    Topics include:

    • Employment Contracts and Wrongful Discharge
    • Commonly committed Workplace Torts
    • The VII of Civil Rights Act and Race Discrimination
    • Gender and Family Issues Legislation:  Title VII and Other Legislation
    • Discrimination Based on Religion and National Origin; Procedures under Title VII
    • Discrimination Based on Age and Disability
    • Other EEO Legislation
    • Occupational Safety and Health
    • Employee Retirement Income Security Act (ERISA)
    • The Fair Labor Standards Act
    • Employee Welfare Programs: Social Security, Workers’ Compensation, and
    • Unemployment Compensation
    • The Development of American Labor Unions and the National Labor Relations Act
    • The National Labor Relations Board: Organization, Procedures, and Jurisdiction
    • The Unionization Process
    • Unfair Labor Practices by Employers and Unions
    • Collective Bargaining
    • Picketing and Strikes
    • The Enforcement and Administration of the Collective Agreement
    • The Rights of Union Members
    • Public Sector Labor Relations

    Audience: Human Resource and Department Managers

  • Employment Law

    Reviews the legislation that protects employees from discriminatory and unfair practices, and teaches management’s legal responsibilities and requirements when situations arise.

    What You’ll Learn

    After successfully completing this course, you will be able to:

    • Explore general principles of employment laws to answer employee questions and make employment decisions
    • Describe the purpose and intent of employment laws governing workplace supervision

    Audience: Any manager with one or more reporting relationships.

  • Empowerment

    Covers the elements of empowerment that leaders use to increase employee autonomy and confidence, unleashing their capabilities and personal growth. Stresses the value of investing in individuals by offering encouragement, having open communication and allowing them to work on their own. Teaches leaders to practice consistent use of empowerment with employees that provides the organization with increased creativity, innovation and breakthrough ideas. 

    fWhat You’ll Learn

    After successfully completing the course, you will be able to:

    • Identify how empowered individuals benefit your organization
    • Describe six elements of empowerment
    • Use the three-step model for delegation

    Audience: Managers, supervisors, and mentors responsible for delegating to others with or without a reporting relationship.

  • Encouraging Women to Accept the Ask

    Free for ABA Members

    Women are under-represented in board rooms, and banks actively seek the untapped potential of women in corporate governance. This video focuses on how female directors make their voices heard and underscores the skills that women possess and organizations need. Designed for CEOs and Board Chairs to share with prospective female members, this video highlights why the recruitment of women has become an imperative in board rooms across industries and encourages female candidates to say yes when they are asked to consider serving on a board.

    What You’ll Learn

    • Describe the benefits of female representation on bank boards
    • Explain ways to actively consider qualified women to potentially serve on bank boards

    Audience: For members of a bank's board of directors

  • Engaging in Multigenerational Conversations with Clients

    Provides techniques for effective, frequent conversations with wealth clients which are essential to meaningful relationships. Explains that clients want that communication to span their family tree, connecting with children or extended family members. Covers how to inquire about the client’s interest in having the advisor connect with other family members, what to share and why engaging across generations is mutually beneficial to the client and the advisor.

    What You’ll Learn

    After completing this course, students will be able to:

    • Explain how to handle sensitive topics related to wealth transfer, client concerns and expectations
    • Describe the challenges and advantages of framing conversations to use with the wealth creator and family members
    • Explore the five steps to initiate a wealth transfer conversation
    • Identify the right questions to probe the client for additional thoughts on wealth transfer
    • Describe the tips for holding conversations with clients
    • Describe effective questions and topics used to probe family members concerning wealth transfer

    Audience: Client-facing wealth advisors (fiduciary [trust] advisors, portfolio managers, bankers, planners) with at least one year of wealth management-related experience who want to raise their competency in initiating, facilitating and engaging in sensitive financial conversations across multiple generations.

  • Engaging with Centers of Influence

    This course looks at the professionals in the centers of influence community (COI) and how to effectively engage them in order to develop new business.

    What You’ll Learn

    After completing this course, students will be able to:

    • Describe COIs and how they assist business professionals to expand their networks 
    • Identify the different types of COI professional relationships that may match your expertise
    • Explain the benefits of focusing on COI perspectives and your positive appeal when communicating your value proposition
    • Explore ways to address sensitive issues with referrals to avoid challenges in COI relationships
    • Identify the COI strategy, value proposition, and contact arrangement for an actionable COI engagement plan
    • Apply tracking and follow up techniques to monitor your engagements and determine which COIs are most effective

    Audience: Client-facing relationship managers (fiduciary advisors, portfolio managers, bankers, planners) who want to raise their client engagement acumen.

  • Enterprise Risk Management Reporting

    Explains the metrics in ERM reports, the issues to highlight when designing a system, how to avoid reporting mistakes, the risk components to focus on and the steps to align reporting with bank strategy. Covers the guidelines for aggregating ERM reporting and process for identifying actionable KPIs and KRIs. Explains the factors to consider and risks when leveraging MIS systems, and the considerations when using models in ERM reporting.

    What You’ll Learn

    After successfully completing this course, you will be able to:

    • Explain the importance and purpose of ERM reporting
    • Describe what should be reported based on the target audience and report purpose
    • Describe how to scale the information reported for the audience
    • Identify approaches for aggregating ERM reporting
    • Describe factors to consider when leveraging MIS systems in ERM reporting tools
    • Identify leading practices to effectively manage ERM reporting

    Audience: Risk management and control professionals in the first, second or third line functions with primary responsibilities including risk assessment, risk testing, measurement and monitoring, risk reporting, audit, or governance across credit risk, financial and/or non-financial risk categories. Directors, members of senior management, State/Federal bank examiners, external risk consultants or auditors.

  • Environmental Liabilities of Fiduciaries

    Covers key issues that examine federal and other environmental laws and elements of fiduciary liability. Focuses on using established, written guidelines, documenting the process of due diligence, and being aware of defenses to liability to protect against risk and reduce potential exposure. 

    What You’ll Learn

    After completing this course, students will be able to:

    • Identify common types of environmental liability exposures 
    • Describe fiduciary liability under CERCLA and other environmental statutes 
    • Describe elements of an environmental risk management program 
    • Identify fiduciary activities related to pre-acceptance due diligence and asset reviews
    • Describe legal defenses available to fiduciaries

    Audience: Client-facing relationship managers (wealth advisors, fiduciary advisors, portfolio managers, bankers, planners) who want to raise their client engagement acumen.

  • Equal Credit Opportunity Act (ECOA) for Compliance Professionals

    Learn major aspects of ECOA/Reg B from application taking through underwriting and evaluations, to notice and record-keeping requirements. Discover basic requirements of the Fair Housing Act, and rules for furnishing of credit information, record retention, collecting government monitoring information, providing appraisal reports, and conducting self-testing.

    What You’ll Learn
    After completing this course, students will be able to:

    • Describe the purpose of the ECOA and the Fair Housing Act, and define key terms used in each
    • Identify Regulation B rules relating to the application process, from taking applications to notification of action taken
    • Describe Regulation B rules relating to the furnishing of credit information, record retention, collecting government monitoring information, providing appraisal reports, and conducting self-testing

    Audience: Compliance professionals including compliance managers, officers, and other compliance team members whose primary role is within the compliance function at their financial institution; bank examiners, bank regulators, auditors and lending compliance professionals.

  • Equal Credit Opportunity Act - Regulation B

    Explains the prohibited bases for evaluating an application and required notifications, and other bank compliance issues, including the requirements for reporting credit information, record keeping, and the consequences of noncompliance.

    Learning Objectives
    After completing this course, students will be able to:

    -Explain the purpose of ECOA and what it covers
    -Identify the point at which an inquiry turns into an application and what applicant requests are prohibited
    -Describe what banks must do to comply with ECOA when processing and evaluating credit applications
    -Identify reporting and record keeping requirements, as well as the consequences of noncompliance

    Audience: Bank personnel involved in the process of gathering information for credit transactions.

  • Essential Selling Skills Bundle

    This bundle of five suites includes 13 courses, five toolkits and 5 exercise modules to build essential sales and service skills. Completing this bundle provides best practices for each step in the sales process and building solid client relationships. Explore tactics to focus sales efforts, including the Sales Portfolio Process. See how to effectively plan calls, track contacts, anticipate potential objections, and make sales. Concise, impactful lessons can be applied on the job immediately.

    NEW – Reinforce key sales and services skills with complementary downloadable toolkits. 

    Courses

    Students have access to the curriculum for 1 year from date of purchase.

    Audience: Branch and administrative office sales staff, call center staff, tellers, new hires, and anyone who may interact with customers.

  • Essentials of Mortgage Lending

    Focused on compliance and highlights industry best practices, this course covers the basics in the life of the mortgage loan process, the production process, as well as insights into secondary marketing, servicing and mortgage fraud. Origination strategies, common loan products and essential considerations when underwriting loan risk are also covered.

    FREE companion course, Pre-Information on TILA-RESPA for AllRegs Mortgage Courses provides a brief fact sheet: “TILA-RESPA Integrated Disclosure: What Does It Mean For You.” Add this course to your shopping cart during the purchase process.

    Produced by Ellie Mae/ AllRegs®

    What You’ll Learn

    After completing this course, students will be able to:

    • Define mortgage lending
    • Identify the steps involved in mortgage production
    • Describe the mortgage loan origination process
    • List common mortgage loan products
    • Analyze the underwriting process
    • Examine the role of the secondary market
    • Recognize servicing functions
    • Explain relevant laws impacting mortgage loans
    • Summarize the importance of internal controls and identification of red flags to reduce mortgage fraud

    Audience: Lending operations staff, including: QC personnel, Loan Originators, Underwriters, Processors

  • Essentials of Workplace Conduct

    Explores the four principles that guide appropriate actions to take in unfamiliar situations. Explains how appearance can have a great impact on how others perceive you, and addresses etiquette factors in the work environment and in offsite work situations. 

    What You’ll Learn

    After successfully completing the course, you will be able to:

    • Define the four guiding principles of business etiquette
    • Introduce yourself or others appropriately to reflect professional hierarchy
    • Describe professional dress code and the effect of not following the code
    • Explain how workplace behavior can affect others
    • Explain the rules of business etiquette to work situations out of the office

    Audience: Bank personnel in the branch and administrative office environments.

  • Estate and Probate Administration

    Describes the steps in the estate settlement process and matters requiring immediate attention. Explains factors that determine if probate is required and identifies parties with an interest in the estate and documents to be filed. Describes fiduciary responsibilities in estate administration, including deadlines, protecting assets, paying claims against the estate, asset management, income tax obligations, and distribution responsibilities. 

    What You’ll Learn

    After completing this course, students will be able to:

    • Describe the estate settlement process and the matters that require attention before opening an estate
    • Determine if probate is required and identify documents to be filed
    • Explain duties of a fiduciary professional in estate administration

    Audience: Trust officers with at least three years of personal trust experience who need a deeper understanding of technical trust concepts and how solutions work when applied to client needs.

  • Estate Planning for the Marital Deduction

    Explains factors that affect planning for the marital deduction trust and the tax impact of the marital deduction and transfer tax credits. Explains the common types of marital trusts. Describes advantages of a pecuniary bequest, factors to consider for a nonformula pecuniary bequest, and the benefit of the formula pecuniary clause. Discusses advantages and disadvantages of pecuniary credit shelter bequests and nonformula fractional share bequest.

    What You’ll Learn

    After completing this course, students will be able to:

    • Recognize the importance of planning for the marital deduction
    • Explain the various marital formulas and how they can be used in estate planning

    Audience: Trust officers with at least three years of personal trust experience who need a deeper understanding of technical trust concepts and how solutions work when applied to client needs.

  • Estate Planning Fundamentals

    Explains the estate planning process, the benefits of estate planning, and the issues to consider when developing an estate plan. Describes the various estate planning documents—wills, trust agreements, living wills, and the types of powers of attorney. Explains ways to make gifts to minors and still allow adult control of the property. Discusses the advantages and disadvantages of making lifetime gifts.

    What You’ll Learn

    After completing this course, students will be able to:

    • Explain the steps in, and inputs to, the estate planning process
    • Describe the benefits of estate planning
    • Explain issues to consider when developing an estate plan
    • Describe the purpose of various estate planning documents
    • Describe ways to make gifts to minors that allow adult control of the property
    • Identify advantages and disadvantages of making lifetime gifts

    Audience: Trust department and other bank staff who are new to the trust business and want to develop a basic working knowledge of trust administration.

  • Estate Planning Solutions for the Business Owner

    Explores approaches to ensure planning aligns with the client‘s goals for the business. Examines planning for successors and valuation of closely held businesses, including IRS guidelines. Describes actions to freeze estate value, and deferral of estate tax. Describes lifetime gifts, outlines the benefits and pitfalls of buy-sell agreements. Explores the ESOP transaction, tax implications, and benefits, and administering S corporation interests.

    What You’ll Learn

    After completing this course, students will be able to:

    • Describe the estate planning challenges for owners of closely held businesses
    • Identify methods used in valuing closely held businesses, determining discounts, and structuring restrictive agreements
    • Explain corporate recapitalization and the utilization of freezing and deferral techniques
    • Describe the planning methods available for the effective transfer of privately owned businesses 

    Audience: Trust officers with at least three years of personal trust experience who need a deeper understanding of technical trust concepts and how solutions work when applied to client needs.

  • Estate Planning to Achieve Client Goals

    Explains how to talk to clients about the estate planning process and needed documents for an estate plan and reach client goals. Explores the advantages and techniques associated with donating through annual and lifetime gifts to minimize estate tax.

    What You’ll Learn

    After completing this course, students will be able to:

    • Describe the basics of estate planning to clients
    • Explain how the gift tax annual exclusion and lifetime gifts are used in estate planning

    Audience: Trust officers with at least three years of personal trust experience who need a deeper understanding of technical trust concepts and how solutions work when applied to client needs.

  • Ethical Issues for Bankers

    This cornerstone course is an in-depth exploration of the ethical standards expected of financial service professionals. Master best practices for observing a bank’s code of conduct and adhering to federal laws. Develop a sound ethical framework to handle commonly experienced ethical dilemmas. Learn how to make ethically appropriate decisions.

    What You’ll Learn

    After successfully completing the course, you will be able to:

    • Describe the purpose and attributes of personal and banking ethics.
    • Explore the purpose and requirements of laws that mandate ethical banking practices.
    • Explore how to approach ethical problem solving.
    • Identify common ethical dilemmas and how to navigate them

    Audience: For Onboarding. Bank personnel at all levels.

  • Event Networking

    Focuses on enhancing networking interactions in professional group settings and on a systematic approach to group events. Explores how to be familiar with the host and attendees of the event and its purpose in order to prepare questions, anticipate conversations, discuss commonalities, and ultimately establish relationships to grow your business.

    What You’ll Learn

    After completing this course, students will be able to:

    • Describe the importance of determining the target audience and the type of group event you are attending
    • Identify professional and personal group characteristics and their commonalities
    • Describe the importance of having a strategy for preparation and follow-up

    Audience: Bankers who attend, participate in, or host community-based group events. Students should have a working knowledge of their institution's products and services.

  • Excel 2016 - Level 1

    **E-book included in tuition fee**

    This course aims to provide you with a foundation for Excel knowledge and skills, which you can build upon to eventually become an expert in data manipulation.

    Course Objectives:

    Upon successful completion of this course, you will be able to create and develop Excel worksheets and workbooks in order to work with and analyze the data that is critical to the success of your organization.

    You will:

    • Get started with Microsoft Office Excel 2016.
    • Perform calculations.
    • Modify a worksheet.
    • Format a worksheet.
    • Print workbooks.
    • Manage workbooks.

    Audience: This course is intended for students who wish to gain the foundational understanding of Microsoft Office Excel 2016 that is necessary to create and work with electronic spreadsheets.

  • Excel 2016 - Level 2

    **E-book included in tuition fee**

    This course builds upon the foundational knowledge presented in the Microsoft® Office Excel® 2016: Part 1 course and will help start you down the road to creating advanced workbooks and worksheets that can help deepen your understanding of organizational intelligence. The ability to analyze massive amounts of data, extract actionable information from it, and present that information to decision makers is at the foundation of a successful organization that is able to compete at a high level.

    Course Objectives:

    Upon successful completion of this course, you will be able to leverage the power of data analysis and presentation in order to make informed, intelligent organizational decisions.

    You will:

    • Work with functions.
    • Work with lists.
    • Analyze data.
    • Visualize data with charts.
    • Use PivotTables and PivotCharts.

    Audience: This course is designed for students who already have foundational knowledge and skills in Excel 2016 and who wish to begin taking advantage of some of the higher-level functionality in Excel to analyze and present data.

  • Excel Made Clear: Building Error-Proof Spreadsheets

    In this valuable webcast, Excel expert David Ringstrom, CPA, shares a variety of tricks and techniques you can use to improve the accuracy of your Excel spreadsheets. To help you create spreadsheets that are free of errors, David demonstrates how to implement Excel features and functions, such as the Hide and Protect feature, the Conditional Formatting feature, the VLOOKUP function, the SUBTOTAL function, and others. In addition, he discusses how to preserve key formulas, perform dual lookups, and sum discrepant sections of a spreadsheet.

    David demonstrates every technique at least twice: first, on a PowerPoint slide with numbered steps, and second, in the Office 365 version of Excel. David draws your attention to any differences in the older versions of Excel (2019, 2016, 2013, and earlier) during the presentation as well as in his detailed handouts. David also provides an Excel workbook that includes most of the examples he uses during the webcast.

    Office 365 is a subscription-based product that provides new-feature updates as often as monthly. Conversely, the perpetual licensed versions of Excel have feature sets that don?t change. Perpetual licensed versions have year numbers, such as Excel 2019, Excel 2016, and so on.

    Topics Covered:
    -Preventing errors from the start by choosing from thousands of free Excel spreadsheet templates.
    -Performing dual lookups, which allow you to look across columns and down rows to cross-reference the data you need.
    -Improving the integrity of spreadsheets with Excel’s VLOOKUP function.
    -Learning a simple design technique that greatly improves the integrity of Excel’s SUM function.
    -Preserving key formulas using hide and protect features.
    -Using Conditional Formatting to identify unlocked cells into which data can be entered.
    -Employing the SUMIF function to sum values related to multiple instances of criteria you specify.
    -Building resilience into spreadsheets by avoiding daisy-chained formulas.
    -Summing disparate sections of a spreadsheet quickly with the SUBTOTAL function.
    -Utilizing the New Window and Arrange Windows commands to view two different worksheets simultaneously.
    -Toggling the locked status of a worksheet cell on or off by way of a custom shortcut.
    Learning objectives:

    -Apply techniques and features that will improve the integrity of your Excel spreadsheets.
    -State how to hide and unhide multiple worksheets with a single command in Excel.
    -Apply Conditional Formatting to identify unlocked cells into which data can be entered.

    Audience: Practitioners who wish to learn how to create error-free Excel spreadsheets.

  • Excel Made Clear: Introduction to Spreadsheets

    This webcast is perfect for you if you?ve never worked with Excel spreadsheets or haven?t in several years. Excel expert David Ringstrom, CPA, walks you through the basics of Excel spreadsheets, providing the knowledge you need to create functional spreadsheets and manipulate large lists of data. David presents an overview of the different types of files you can create, explains Excel?s rows and columns grid, shares keyboard shortcuts to simplify repetitive tasks, and more.

    David demonstrates every technique at least twice: first, on a PowerPoint slide with numbered steps, and second, in the Office 365 version of Excel. David draws your attention to any differences in the older versions of Excel (2019, 2016, 2013, and earlier) during the presentation as well as in his detailed handouts. David also provides an Excel workbook that includes most of the examples he uses during the webcast.

    Office 365 is a subscription-based product that provides new-feature updates as often as monthly. Conversely, the perpetual licensed versions of Excel have feature sets that don?t change. Perpetual licensed versions have year numbers, such as Excel 2019, Excel 2016, and so on.

    Topics Covered:
    -Handling situations where numbers are presented as # signs on-screen and in Print
    -Mastering Excel?s order of operations for mathematical formulas.
    -Using keyboard shortcuts to navigate your way through worksheets.
    -Navigating large workbooks with ease by way of a hidden menu as well as keyboard shortcuts.
    -Discerning the nuance of entering text into worksheet cells.
    -Preventing errors from the start by choosing from thousands of free Excel spreadsheet templates.
    -Understanding the difference between working within a cell versus working on a worksheet.
    -Saving time by using the AutoSum formula to sum multiple columns at once with a mouse click or a keyboard shortcut.
    -Jump-starting spreadsheet projects using free, prebuilt templates in Excel.
    -Surfacing hidden Excel commands instantly by way of the Tell Me feature in Excel 2016 and later.

    Learning Objectives:

    -Identify how to skip confusing menus by way of time-saving mouse tricks and keyboard shortcuts.
    -Define the structural basics of Excel worksheets and workbooks.
    -Apply some basic data-analysis techniques

    Audience: Practitioners who wish to learn the basics of working with Excel spreadsheets.

  • Excel Made Clear: Pivot Table Techniques

    Excel expert David H. Ringstrom, CPA, teaches you pivot table basics in this comprehensive presentation. Pivot tables enable you to easily create reports from complex data, simply by using your mouse. David explains how to initiate a pivot table from a list of data, expand and collapse pivot table elements, dig deeper into the numbers with the Report Filter command, and much more. Like many features in Excel, pivot tables have nuances that can trip you up, so David points out traps and teaches you tricks to help ensure your reports are always accurate.

    David demonstrates every technique at least twice: first, on a PowerPoint slide with numbered steps, and second, in the Office 365 version of Excel. David draws your attention to any differences in the older versions of Excel (2019, 2016, 2013, and earlier) during the presentation as well as in his detailed handouts. David also provides an Excel workbook that includes most of the examples he uses during the webcast.

    Office 365 is a subscription-based product that provides new-feature updates as often as monthly. Conversely, the perpetual licensed versions of Excel have feature sets that don?t change. Perpetual licensed versions have year numbers, such as Excel 2019, Excel 2016, and so on.

    Topics Covered:
    -Determining which refresh commands in Excel update a single pivot table versus all pivot tables in a workbook.
    -Contrasting sorting data within worksheets to the nuances of sorting data within pivot tables.
    -Exploring the nuances of formatting numbers within pivot tables.
    -Creating a pivot table to transform lists of data into on-screen reports.
    -Distinguishing the differences among pivot table-related menus in Excel 2013 and later versus older versions of Excel.
    -Adding fields to a blank pivot table to create instant reports.
    -Discovering four different ways to remove data from a pivot table report.
    -Presenting the largest or smallest values in chart form by way of a Top 10 pivot chart.
    -Filtering pivot table data based on new dimension by using the Report Filter command.
    Learning objectives:

    -Identify how to expand and collapse groups of data within a pivot table.
    -Identify the best approach for formatting numbers within pivot tables.
    -Define the default location for pivot table data when you click a checkbox for a given field.

    Audience: Practitioners who may benefit from learning how to use Excel pivot tables to easily create accurate reports.

  • Expedited Funds Availability Act (Reg CC) for Compliance Professionals

    Covers the basic provisions of Regulation CC, which implements the Expedited Funds Availability Act focusing on the provisions of the regulation that affect customer-contact functions. Provides an overview of the check processing system, Check 21, and remotely created checks is also included.

    What You’ll Learn
    After completing this course, students will be able to:

    • Explain the types of accounts covered under Reg CC and the verbiage that must be included in a hold notice
    • Identify items that are subject to next day availability and exceptions to next day availability
    • Describe the guidelines for using case-by-case holds and exception holds
    • Describe Reg CC requirements relating to check processing
    • Identify additional requirements under Reg CC, including disclosure requirements, employee training, and record retention

    Audience: Compliance and risk management professionals including compliance managers, officers, and other team members whose primary role is within the compliance function at their financial institution; bank examiners, bank regulators, and auditors.

  • Explaining Loan Modifications

    The role of loan modifications and how they apply to various borrower circumstances is discussed. Learn to identify eligibility requirements and procedures for obtaining a loan modification and identify how to avoid falling victim to loan modification scams along with resources available for reporting.

    Produced by Ellie Mae/ AllRegs®

    What You’ll Learn

    After completing this course, students will be able to:

    • Identify the role of loan modifications within the mortgage lending industry
    • Share insight on how loan modifications apply to various borrower circumstances
    • Identify key components mortgage components such as DTI, LTV, and various mortgage terms
    • Define Loan Modification
    • Identify loan modification options
    • Apply loan modification options to homeowners
    • Identify fraudulent loan modification scams

    Audience: Loan Originators, Underwriters, Processors

  • Extending Credit to Bank Insiders (Reg O)

    Defines the term bank “insider” and the rules and disclosures that must be followed. Provides examples of employees who are considered executive officers and describes the lending restrictions applied to bank insiders. Provides examples of when the bank can make certain loans to bank executives. 

    What You’ll Learn

    After completing this course, students will be able to:

    • Describe who is covered by Regulation O and the rules and disclosures that must be followed
    • Describe the lending limits and requirements when a bank makes a loan to an executive officer

    Audience: Employees at all levels.

  • Fair and Accurate Credit Transactions Act (FACTA) Oveview

    Learn about FCRA consumer-information requirements, and review best practices for providing, obtaining and using consumersƒ?? credit data.

    Audience: n/a

  • Fair Credit Reporting Act (FCRA) for Compliance Professionals

    Recognizing consumer protection is a hot topic, this course provides the key conceptual and practical information necessary to successfully apply the FCRA and Fair and Accurate Credit Transactions Act (FACTA). It covers key terms, processes, notices, disclosures, regulatory issues and risk mitigation strategies.

    What You’ll Learn
    After completing this course, students will be able to:

    • Describe the specific limitations on obtaining and using medical information in credit decisions
    • Explain the restrictions on sharing data obtained in consumer financial reports, and the consumer’s rights of notification and choice in this matter
    • Cite the consumer notices and disclosures that are required when credit decisions are made using data from a consumer financial report
    • Develop and implement an appropriate response process for your institution when information in a consumer report is disputed
    • Explain the rights and responsibilities of consumers, furnishers and CRAs when fraud alerts are placed on a consumer report

    Audience: Compliance professionals including compliance managers, officers, and other compliance team members whose primary role is within the compliance function at their financial institution; bank examiners, bank regulators, auditors and lending compliance professionals.

  • Fair Debt Collection Practices Act

    Explains the purpose of the FDCPA, the protections for consumers and requirements on creditors, what verbal and nonverbal actions the debt collector is permitted and not permitted to take, and the recourse debtors have against a debt collector for violating the law. 

    What You’ll Learn

    After completing this course, students will be able to:

    • Describe the purpose of the FDCPA and the types of debts covered
    • Recognize the debt collection practices prohibited by the FDCPA
    • Describe how the FDCPA applies to mortgage servicing
    • Explore unfair debt collection practices

    Audience: Any bank staff involved in collections, including individuals involved in calling consumers about overdrafts, even though they are not designated as "collectors."

  • Fair Housing Act

    Explores the FHA prohibited bases of discrimination. Describes the requirements of the Equal Housing Lender Lobby Poster and the Fair Housing logo. Defines FHA terminology and explains the record keeping requirements and the penalties for noncompliance with the Act.

    What You’ll Learn

    After completing this course, students will be able to:

    • Explain the background and purpose of the Fair Housing Act
    • Explain the coverage and the prohibited bases of discrimination under the Fair Housing Act
    • Describe the requirements of the Fair Housing Act
    • Explain the penalties for noncompliance with the Fair Housing Act.

    Audience: Frontline bank personnel such as tellers, new account representatives, and other entry-level bank positions.

  • Fair Lending

    Demonstrates how to avoid discriminatory and unfair lending practices when interacting with clients. Examines the consequences of illegal discrimination and explains the key points in the federal laws. Defines disparate treatment and disparate impact practices and identifies illegal discrimination that should be avoided at common stages in the credit process.

    What You’ll Learn

    After completing this course, students will be able to:

    • Describe the relationship between unfair treatment and illegal discrimination
    • Explain the relationship between the fair lending laws and the three types of illegal discrimination
    • Identify the best practices to ensure compliance with fair-lending laws.

    Audience: Bank personnel who have customer contact, and deal with consumer and real estate credit transactions including sales, processing, underwriting and compliance personnel.

  • Fair Lending

    Fair lending has before, is now, and likely always will be front and center during your state and/or federal consumer compliance examination. Join Regulatory Compliance Counsel Michael Christians for this 90-minute webinar that provides a high-level overview of the following fair lending laws and regulations.

    Covered Topics
    -The Equal Credit Opportunity Act / Regulation B;
    -The Fair Housing Act;
    -The Home Mortgage Disclosure Act / Regulation C;
    -The Servicemember?s Civil Relief Act;
    -The Military Lending Act; and
    -The CFPB’s prohibition against unfair, deceptive and abusive acts and practices (UDAAP).

    Audience: Anyone involved with the loan origination process at the credit union as well as consumer compliance professionals would benefit from the information covered during this webinar.

  • Fair Lending for Marketers

    Assists bank marketing professionals in promoting and advertising credit products compliant to fair lending laws. Explains the basics and underlying principles of the laws as well as the specific advertising requirements..

    What You’ll Learn

    After completing this course, students will be able to:

    • Describe the tenets of the Equal Credit Opportunity Act and Regulation B
    • Explain the underlying principles and advertising requirements of the Fair Housing Act
    • Describe the different types of discriminatory practices

    Audience: Bank marketing professionals responsible for credit advertisements and bank personnel who have customer contact.

  • Fair Lending for the Frontline

    Your member-facing staff can make or break your fair lending compliance program, but they are often left out of “lending” training. This session will focus on how your front line can engage members and sell loans without violating fair lending laws. This session covers the regulations that deal with fair lending – Regulation B, Regulation C, and the Fair Housing Act – as well as “best practices” highlighted by the NCUA.

    Covered Topics
    -Types of discrimination
    -Information that can be requested and/or used in consideration of a loan application
    -Information that cannot be requested and/or used in consideration of a loan application
    -Fair lending pitfalls

    Audience: Front-line Lending Staff, Loan Officers, Loan Underwriters, and Compliance Officers will all benefit from attending this webinar.

  • Fair Lending Implications for Changing Loan Terms

    Understand the most important considerations to evaluate when refinancing or modifying existing loans in your bank portfolio.

    What You’ll Learn

    This training will specifically address:

    • How to apply fair lending principles when refinancing or modifying an existing loan
    • Avoiding illegal discrimination when changing loan terms
    • Which fair lending indicators to watch and monitor  
    • Maintaining an effective fair lending compliance Program 

    Audience: n/a

  • FCRA: Adverse Action

    Provides the adverse action requirements of the FCRA, including notices based in whole or in part on a consumer report to contain information about credit scores if the consumer’s credit score was a factor in the adverse action.

    What You’ll Learn

    After successfully completing this course, you will be able to:

    • Describe the FCRA adverse action requirements when information from consumer reporting agencies and certain other third parties is used in a decision that adversely affects a consumer
    • Describe the requirements for credit score disclosures

    Audience: Personnel involved in declining credit, insurance or employment based on consumer reports.

  • FCRA: Affiliate/Third Party Information Sharing

    Describes the FCRA limits on how financial institutions may share certain information with others, including their affiliates. Explains the privacy provisions in the Gramm Leach Bliley Act that impose restrictions on the ability of institutions to share that information.

    What You’ll Learn

    After successfully completing this course, you will be able to:

    • Describe the rules for sharing information with affiliates and other third parties

    Audience: Bank and affiliate personnel involved in sharing consumer information and using affiliate information for marketing purposes.

  • FCRA: Duties of Furnishers

    Describes the furnishers’ responsibilities to provide accurate information, investigate complaints, and establish policies for compliance, and other duties. Explains the ways that consumers can dispute the accuracy of information in their consumer reports and the process for submitting them. 

    What You’ll Learn

    After successfully completing this course, you will be able to:

    • Describe a bank’s duty to provide accurate Information to CRAs
    • Differentiate between a customer dispute filed with the CRA or directly with the furnisher

    Audience: Personnel involved in reporting to consumer reporting agencies.

  • FCRA: Introduction and Overview

    Covers the purpose and scope of the FCRA and its key terms. Explains the violations of the FCRA that can lead to both civil and criminal penalties. 

    What You’ll Learn

    After successfully completing this course, you will be able to:

    • Explain the purpose of the FCRA
    • Define key terms used in the FCRA
    • Describe FCRA coverage requirements and penalties for noncompliance

    Audience: Personnel involved in using consumer reports or reporting to consumer reporting agencies.

  • FCRA: Medical Information Sharing

    Explores FCRA restrictions on when medical information may be obtained and used for employment and credit purposes.

    What You’ll Learn

    After successfully completing this course, you will be able to:

    • Describe when consumer reports containing medical information may be obtained
    • Describe the restrictions on using medical information for credit/employment decisions

    Audience: Personnel involved in using consumer reports or reporting to consumer reporting agencies.

  • FCRA: Notice to Consumers (Risk-Based Pricing)

    Provides statements that should be included in risk-based pricing notices and how they change depending on circumstances. Explains the conditions by which credit scores should be sent to customers and information they should contain. Provides examples of other exceptions when a risk-based notice is not needed. Explores the types of credit and related timing of the notices. 

    What You’ll Learn

    After successfully completing this course, you will be able to:

    • Determine when creditors must send a risk-based pricing notice
    • Identify when to send a credit score notice in lieu of a risk-based pricing notice
    • Identify other exceptions when a risk-based price notice is not needed
    • Describe the content, form, and timing of the risk-based and credit score notices

    Audience: Lending personnel involved in using consumer reports/scores to price loans.

  • FCRA: Permissible Purpose

    Explores the responsibilities that users of consumer reports must adhere to and the list of permissible purposes needed to obtain a consumer report. Explains the reasons for not reusing consumer reports and the disposal requirements.

    What You’ll Learn

    After successfully completing this course, you will be able to:

    • Describe the responsibilities of users of consumer reports
    • Identify the permissible purposes for obtaining a consumer report
    • Explain the restrictions in the reuse of consumer reports
    • Describe the requirements for the disposal of consumer reports

    Audience: Personnel involved in obtaining consumer reports.

  • FCRA: Prescreened Offers of Credit

    Explains the prescreening process and steps, such as establishing criteria the consumers must meet, obtaining a list of consumers, making a firm offer, and post-screening. Explores the components of the opt-out short and long notices.

    What You’ll Learn

    After successfully completing this course, you will be able to:

    • Explain the purpose of prescreening
    • Describe the steps banks must take when using prescreened lists
    • Identify the content and form of opt-out notices

    Audience: Personnel involved in marketing based on information compiled by consumer reporting agencies.

  • FCRA: Use of Consumer Reports in Employment

    Explains the FCRA requirements to obtain consumer reports for employment purposes, required disclosures, adverse action, and disposal of consumer reports and information derived from consumer reports. 

    What You’ll Learn

    After successfully completing this course, you will be able to:

    • Identify the requirements for obtaining consumer reports
    • Describe disclosure requirements
    • Explain the steps for adverse action notices

    Audience: Personnel involved in hiring and promotions involving consumer reports.

  • FDIC for Marketers

    The FDIC has adopted rules to help consumers understand the insured nature of financial asset products and whether their financial assets are insured. This course explains the rules including the advertising, logo, and FDIC signage requirements for FDIC-insured products, as well as the advertising requirements and prohibitions for uninsured products banks may offer.

    What You’ll Learn

    After completing this course, students will be able to:

    • Describe FDIC signage requirements
    • Explain FDIC advertising requirements

    Audience: Bank marketing professionals and bank personnel with customer contact.

  • FDIC Insurance Coverage

    Defines common FDIC terminology and general rules for insurance coverage based on the ownership rights of the account holders. Describes insurance categories and calculations. Explains the signage and advertising requirements.

    What You’ll Learn

    After completing this course, students will be able to:

    • Describe purpose and the basics of FDIC insurance
    • Explain the general rules, coverage, and calculation for FDIC insurance 
    • Describe possible unique ownership scenarios you may face and the insurance coverage for each ownership category
    • Explain general information about FDIC signage and advertising

    Audience: Employees with customer contact.

  • Federal Deposit Insurance Corporation (FDIC)

    Refresh your knowledge of FDIC insurance coverage, and review FDIC insurance coverage details for different types of accounts.

    Audience: n/a

  • Federal Estate Tax

    Explains types of property included in a gross estate and assets not included, estate tax rules concerning jointly owned property and transfers of property to another individual, how allowable deductions are identified and subtracted from the value of the gross estate, and an illustration and examples of estate tax calculations.

    What You’ll Learn

    After completing this course, students will be able to:

    • Identify assets that are included in the gross estate
    • Identify expenses that can be deducted from the gross estate
    • Explain how the estate tax is calculated

    Audience: Trust officers with at least three years of personal trust experience who need a deeper understanding of technical trust concepts and how solutions work when applied to client needs.

  • Federal Flood Insurance Regulations for Compliance Professionals

    Provides a brief history of the federal flood insurance statutes—the Homeowners Flood Insurance Affordability Act (HFIAA) and the Biggert-Waters Act (BWA)—as well as the implementing regulations, an overview of flood insurance requirements, and a discussion of enforcement.

    What You’ll Learn
    After completing this course, students will be able to:

    • Describe the background and history related to the national flood insurance regulations
    • Explain the general regulatory requirements for the applicable laws and regulations

    Audience: Compliance professionals including compliance managers, officers, and other compliance team members whose primary role is within the compliance function at their financial institution; bank examiners, bank regulators, auditors and lending compliance professionals.

  • FFIEC Information Security Booklet

    The FFEIC has completely re-written and significantly changed the Information Security Handbook. The Handbook represents an integration of concepts from Cybersecurity Guidance, Management Guidance, and other elements released in the past 10 years. The FFIEC Information Security Handbook is the most comprehensive resource from the FFIEC on constructing an adequate Information Security Program. Information Security Programs are created based on risk assessment processes that assist The Handbook focuses on the governance, culture, and responsibilities to make Information Security Programs successful. The creation of these programs is based on risk assessment processes that assist the institution in making control decisions; these decisions are then documented in policies, standards, and procedures. The last component of a successful program is to ensure the controls are effectively implemented with assurance, testing, and auditing processes.

    Covered Topics
    -Governance of the Information Security Program
    -Information Security Program Management
    -Security Operations
    -Information Security Program Effectiveness

    Audience: Information Security Officer, IT Manager, Risk Officer, Internal Auditor, Board members, or other management team members looking to understand the new FFIEC requirements and expectations.

  • Fiduciary Compliance

    Reviews the regulator’s role to routinely examine for the institution’s safety and soundness, the bank compliance department’s development of policies and procedures that evolve and change, and the advisor’s role in fiduciary compliance with key regulations that connect with client transactions.

    What You’ll Learn

    After completing this course, students will be able to:

    • Explain the purpose and components of fiduciary compliance
    • Describe key fiduciary laws and regulations
    • Explain the role of regulators and how they interact with the bank
    • Explain the advisor’s role in fiduciary compliance and key regulations
    • Identify when and how advisors typically interact with the firm’s compliance department

    Audience: Client-facing relationship managers (wealth advisors, fiduciary advisors, portfolio managers, bankers, planners) who want to raise their client engagement acumen.

  • Fiduciary Ethics

    This course outlines the ethical standards that apply to all fiduciary professionals. These responsibilities include integrity, competency, fairness, and professionalism in relationships with customers and advisors.

    What You’ll Learn

    After completing this course, students will be able to:

    • Describe the nature and implication of ethical and unethical behavior as a fiduciary
    • Describe fiduciary responsibilities under three primary fiduciary duties
    • Identify and avoid self-dealing and conflicts of interest
    • Explain the principles of the Uniform Prudent Investor Act (UPIA) and how they apply
    • Recognize financial elder abuse and take appropriate action
    • Explain ethical and fiduciary responsibilities when working with a team

    Audience: Client-facing relationship managers (fiduciary advisors, portfolio managers, bankers, planners) who want to raise their client engagement acumen.

  • Fiduciary Income Tax

    Describes different types of taxes that estates and trusts are subject to and how the various entities are taxed. Explains taxation associated with grantor and tax-exempt charitable trusts and describes the general tax rules. Identifies income tax deductions available to individuals, trusts, and estates. Defines trust accounting income and explains distribution deduction for simple and complex trusts and distributable net income (DNI). Describes the distribution deduction for simple trusts and complex trusts and estates.  

    What You’ll Learn

    After completing this course, students will be able to:

    • Identify the types of taxes and how entities are taxed
    • Describe the general tax rules and concepts for grantor, tax-exempt charitable, estate, and irrevocable trusts
    • Explain how income tax deductions play a key role in tax planning
    • Describe the tax treatment of beneficiaries for simple and complex trusts

    Audience: Trust officers with at least three years of personal trust experience who need a deeper understanding of technical trust concepts and how solutions work when applied to client needs.

  • Fiduciary Law

    Explains exercising a power of appointment, future interest in property, and concurrent ownerships. Describes community vs. separate property, estate planning in a community property jurisdiction, and provisions that protect the surviving spouse in common law states. Describes the prudent management of assets investment strategy, criticisms of the Prudent Person Rule, issues of administering investment securities in fiduciary accounts, and the history of the Uniform Principal and Income Act.

    What You’ll Learn

    After completing this course, students will be able to:

    • Describe powers of appointment
    • Explain interest in property and the protection under the law
    • Identify the characteristics and legal guidelines for community property, common law, and separate property
    • Describe the Prudent Person and Prudent Investor rules
    • Explain the issues associated with investment securities held in fiduciary accounts
    • Explicate allocation of receipts and disbursements between income and principal

    Audience: Trust officers with at least three years of personal trust experience who need a deeper understanding of technical trust concepts and how solutions work when applied to client needs.

  • Filing CTRs for Multiple Transactions Conducted by A Single Transactor

    Understand the nuances of multiple transactions reported on a Currency Transaction Report.

    What You’ll Learn

    After successfully completing the course, you will be able to:

    • Understand CTR reporting requirements when multiple persons perform separate transactions that may or may not benefit separate persons
    • Determine how to identify multiple transactions
    • Understand the difference between “multiple transactions” and “aggregated transactions”
    • Identify steps for completing a CTR in these situations

    Audience: n/a

  • Financial Accounting

    This Financial Accounting course is ACE recommended for college credit transfer!

    The Financial Accounting course covers accounting terminology; the recording and classifying of financial transactions, including analyzing, journalizing, and posting; the preparation of the trial balance, work sheet and financial statements; a familiarization with handling of adjustments, bad debts, inventory and depreciation; and matters concerning sole proprietorship and partnership.  Course objectives:  describe content and purposes of balance sheet and income statement; compare the basic characteristics of the accrual basis with the cash basis of accounting; explain the full accounting cycle and prepare all required journals, entries, and adjustments; outline the necessity for and features of internal control; identify the basic assumptions, principles, and modifying conventions of accounting; describe how inflation affects information presented in conventional financial statements; define partnerships and their characteristics.

    Textbook chapter topics include:

    • Accounting
    • Basic Financial Statements
    • The Accounting Cycle: Capturing Economic Events
    • The Accounting Cycle: Accruals and Deferrals
    • The Accounting Cycle: Reporting Financial Results
    • Merchandising Activities
    • Financial Assets
    • Inventories and the Cost of Goods Sold

    Audience: Appropriate for students who need a working knowledge of accounting

  • Financial Accounting

    This Financial Accounting course is ACE recommended for college credit transfer!

    The Financial Accounting course covers accounting terminology; the recording and classifying of financial transactions, including analyzing, journalizing, and posting; the preparation of the trial balance, work sheet and financial statements; a familiarization with handling of adjustments, bad debts, inventory and depreciation; and matters concerning sole proprietorship and partnership.  Course objectives:  describe content and purposes of balance sheet and income statement; compare the basic characteristics of the accrual basis with the cash basis of accounting; explain the full accounting cycle and prepare all required journals, entries, and adjustments; outline the necessity for and features of internal control; identify the basic assumptions, principles, and modifying conventions of accounting; describe how inflation affects information presented in conventional financial statements; define partnerships and their characteristics.

    Textbook chapter topics include:

    • Accounting
    • Basic Financial Statements
    • The Accounting Cycle: Capturing Economic Events
    • The Accounting Cycle: Accruals and Deferrals
    • The Accounting Cycle: Reporting Financial Results
    • Merchandising Activities
    • Financial Assets
    • Inventories and the Cost of Goods Sold

    Audience: Appropriate for students who need a working knowledge of accounting

  • Financial Accounting

    This Financial Accounting course is ACE recommended for college credit transfer!

    The Financial Accounting course covers accounting terminology; the recording and classifying of financial transactions, including analyzing, journalizing, and posting; the preparation of the trial balance, work sheet and financial statements; a familiarization with handling of adjustments, bad debts, inventory and depreciation; and matters concerning sole proprietorship and partnership.  Course objectives:  describe content and purposes of balance sheet and income statement; compare the basic characteristics of the accrual basis with the cash basis of accounting; explain the full accounting cycle and prepare all required journals, entries, and adjustments; outline the necessity for and features of internal control; identify the basic assumptions, principles, and modifying conventions of accounting; describe how inflation affects information presented in conventional financial statements; define partnerships and their characteristics.

    Textbook chapter topics include:

    • Accounting
    • Basic Financial Statements
    • The Accounting Cycle: Capturing Economic Events
    • The Accounting Cycle: Accruals and Deferrals
    • The Accounting Cycle: Reporting Financial Results
    • Merchandising Activities
    • Financial Assets
    • Inventories and the Cost of Goods Sold

    Audience: Appropriate for students who need a working knowledge of accounting

  • Financial Accounting

    This Financial Accounting course is ACE recommended for college credit transfer!

    The Financial Accounting course covers accounting terminology; the recording and classifying of financial transactions, including analyzing, journalizing, and posting; the preparation of the trial balance, work sheet and financial statements; a familiarization with handling of adjustments, bad debts, inventory and depreciation; and matters concerning sole proprietorship and partnership.  Course objectives:  describe content and purposes of balance sheet and income statement; compare the basic characteristics of the accrual basis with the cash basis of accounting; explain the full accounting cycle and prepare all required journals, entries, and adjustments; outline the necessity for and features of internal control; identify the basic assumptions, principles, and modifying conventions of accounting; describe how inflation affects information presented in conventional financial statements; define partnerships and their characteristics.

    Textbook chapter topics include:

    • Accounting
    • Basic Financial Statements
    • The Accounting Cycle: Capturing Economic Events
    • The Accounting Cycle: Accruals and Deferrals
    • The Accounting Cycle: Reporting Financial Results
    • Merchandising Activities
    • Financial Assets
    • Inventories and the Cost of Goods Sold

    Audience: Appropriate for students who need a working knowledge of accounting

  • Financial Accounting

    This Financial Accounting course is ACE recommended for college credit transfer!

    The Financial Accounting course covers accounting terminology; the recording and classifying of financial transactions, including analyzing, journalizing, and posting; the preparation of the trial balance, work sheet and financial statements; a familiarization with handling of adjustments, bad debts, inventory and depreciation; and matters concerning sole proprietorship and partnership.  Course objectives:  describe content and purposes of balance sheet and income statement; compare the basic characteristics of the accrual basis with the cash basis of accounting; explain the full accounting cycle and prepare all required journals, entries, and adjustments; outline the necessity for and features of internal control; identify the basic assumptions, principles, and modifying conventions of accounting; describe how inflation affects information presented in conventional financial statements; define partnerships and their characteristics.

    Textbook chapter topics include:

    • Accounting
    • Basic Financial Statements
    • The Accounting Cycle: Capturing Economic Events
    • The Accounting Cycle: Accruals and Deferrals
    • The Accounting Cycle: Reporting Financial Results
    • Merchandising Activities
    • Financial Assets
    • Inventories and the Cost of Goods Sold

    Audience: Appropriate for students who need a working knowledge of accounting

  • Financial Accounting

    This Financial Accounting course is ACE recommended for college credit transfer!

    The Financial Accounting course covers accounting terminology; the recording and classifying of financial transactions, including analyzing, journalizing, and posting; the preparation of the trial balance, work sheet and financial statements; a familiarization with handling of adjustments, bad debts, inventory and depreciation; and matters concerning sole proprietorship and partnership. Course objectives: describe content and purposes of balance sheet and income statement; compare the basic characteristics of the accrual basis with the cash basis of accounting; explain the full accounting cycle and prepare all required journals, entries, and adjustments; outline the necessity for and features of internal control; identify the basic assumptions, principles, and modifying conventions of accounting; describe how inflation affects information presented in conventional financial statements; define partnerships and their characteristics.

    Textbook chapter topics include:
    – Accounting
    – Basic Financial Statements
    – The Accounting Cycle: Capturing Economic Events
    – The Accounting Cycle: Accruals and Deferrals
    – The Accounting Cycle: Reporting Financial Results
    – Merchandising Activities
    – Financial Assets
    – Inventories and the Cost of Goods Sold

    Audience: Appropriate for students who need a working knowledge of accounting

  • Financial Accounting

    This Financial Accounting course is ACE recommended for college credit transfer!

    The Financial Accounting course covers accounting terminology; the recording and classifying of financial transactions, including analyzing, journalizing, and posting; the preparation of the trial balance, work sheet and financial statements; a familiarization with handling of adjustments, bad debts, inventory and depreciation; and matters concerning sole proprietorship and partnership. Course objectives: describe content and purposes of balance sheet and income statement; compare the basic characteristics of the accrual basis with the cash basis of accounting; explain the full accounting cycle and prepare all required journals, entries, and adjustments; outline the necessity for and features of internal control; identify the basic assumptions, principles, and modifying conventions of accounting; describe how inflation affects information presented in conventional financial statements; define partnerships and their characteristics.

    Textbook chapter topics include:

    • Accounting
    • Basic Financial Statements
    • The Accounting Cycle: Capturing Economic Events
    • The Accounting Cycle: Accruals and Deferrals
    • The Accounting Cycle: Reporting Financial Results
    • Merchandising Activities
    • Financial Assets
    • Inventories and the Cost of Goods Sold

    Audience: Appropriate for students who need a working knowledge of accounting

  • Financial Accounting

    This Financial Accounting course is ACE recommended for college credit transfer!

    The Financial Accounting course covers accounting terminology; the recording and classifying of financial transactions, including analyzing, journalizing, and posting; the preparation of the trial balance, work sheet and financial statements; a familiarization with handling of adjustments, bad debts, inventory and depreciation; and matters concerning sole proprietorship and partnership.  Course objectives:  describe content and purposes of balance sheet and income statement; compare the basic characteristics of the accrual basis with the cash basis of accounting; explain the full accounting cycle and prepare all required journals, entries, and adjustments; outline the necessity for and features of internal control; identify the basic assumptions, principles, and modifying conventions of accounting; describe how inflation affects information presented in conventional financial statements; define partnerships and their characteristics.

    Textbook chapter topics include:

    • Accounting
    • Basic Financial Statements
    • The Accounting Cycle: Capturing Economic Events
    • The Accounting Cycle: Accruals and Deferrals
    • The Accounting Cycle: Reporting Financial Results
    • Merchandising Activities
    • Financial Assets
    • Inventories and the Cost of Goods Sold

    Audience: Appropriate for students who need a working knowledge of accounting

  • Financial Markets & Institutions

    Financial Markets and Institutions offers a unique analysis of the risks faced by investors and savers interacting through financial institutions and financial markets, as well as strategies that can be adopted for controlling and managing risks. Special emphasis is put on new areas of operations in financial markets and institutions such as asset securitization, off-balance-sheet activities, and globalization of financial services.

    Topics Covered Include:

    • Determinants of Interest Rates
    • Interest Rates and Security Valuation
    • The Federal Reserve System, Monetary Policy, and Interest Rates
    • Money Markets
    • Bond Markets
    • Mortgage Markets
    • Stock Markets
    • Foreign Exchange Markets
    • Derivative Securities Markets
    • Commercial Banks: Industry Overview
    • Commercial Banks’ Financial Statements and Analysis
    • Regulation of Commercial Banks
    • Other Lending Institutions: Savings Institutions, Credit Unions, and Finance Companies
    • Insurance Companies
    • Securities Firms and Investment Banks
    • Mutual Funds and Hedge Funds
    • Pension Funds
    • Types of Risks Incurred by Financial Institutions
    • Managing Credit Risk on the Balance Sheet
    • Managing Liquidity Risk on the Balance Sheet
    • Managing Interest Rate and Insolvency Risk on the Balance Sheet
    • Managing Risk off the Balance Sheet with Derivative Securities
    • Managing Risk off the Balance Sheet with Loan Sales and Securitization

    Audience: Financial Service Managers or personnel pursuing a position in management

  • Financial Planning

    In the midst of today’s shifting financial environment and fast-paced, changing lives, solid financial planning is more important than ever. Personal Financial Planning provides students with the tools, techniques, and understanding they need to define and achieve their financial goals. The course follows a life-cycle approach — addressing financial plans, assets, credit, insurance, investment, and retirement — as individuals and families progress through a lifetime. The latest updates throughout this edition reflect the most recent financial developments and research — from new tax laws to professional financial advice that considers the impact of the recent global financial crisis. This course incorporates opening vignettes, cases, and numerous examples from life as well as a proven, integrated learning system to ensure understanding. Step-by-step features teach students to use today’s most critical financial tools and technology. CFP® practice questions provide valuable practice.

    Audience: Anyone one looking for valuable financial planning techniques

  • Financial Risk Management: Interest Rate Risk

    Provides an introduction to the practice of managing assets, liabilities and off-balance sheet exposures to protect a bank’s earnings and capital against changes in interest rates.

    What You’ll Learn

    After successfully completing the course, you will be able to:

    • Describe the potential risks that interest rate shifts can pose for a bank
    • Outline interest rate risk management policy that fits the bank
    • Measure rate risk exposure across the bank, on and off the balance sheet
    • Discuss various controls to limit rate risk exposure in the bank
    • Develop rate risk reports for senior management and the board of directors

    Audience: Risk management and control professionals in first, second or third line functions with primary responsibilities including monitoring and risk reporting of loan portfolios, underwriting, stress testing, audit or governance across credit risk or financial risk categories. Directors, members of senior management, State/Federal bank examiners, external risk consultants or auditors.

  • Financial Risk Management: Liquidity Risk

    Considers the discipline of managing the liquidity position of a bank in order to ensure that prior preparation and funds on hand can sufficiently address potential liquidity disorder.

    What You’ll Learn

    After successfully completing the course, you will be able to:

    • Discuss what “liquidity” means for a bank
    • Identify alternative sources of borrowed funds for a bank
    • Describe how liquidity factors into a bank’s portfolios of loans and securities
    • Understand stress testing for potential and problematic liquidity scenarios
    • Explain how to prepare for possible liquidity disorder
    • Comprehend standards and expectations for good liquidity risk management
    • Interpret reports on a bank’s funding and liquidity position

    Audience: Risk management and control professionals in first, second or third line functions with primary responsibilities including monitoring and risk reporting of loan portfolios, underwriting, stress testing, audit or governance across credit risk or financial risk categories. Directors, members of senior management, State/Federal bank examiners, external risk consultants or auditors.

  • Find Your Audience

    Learn about the variety of ways to reach customers and prospects, and how to combine digital ad options for maximum effect.

    Modules are:

    • Search Ads: Get Found
    • Display Ads: Make an Impression
    • Video: Capture Attention
    • Apps: Engage Audiences
    • Text Campaigns: Think Mobile

    Produced by Mindset Digital

    What You’ll Learn

    • Describe key attributes, benefits, and metrics associated with: search ads, display ads, and video campaigns
    • Explain how apps and in-app advertising attract and engage target audiences
    • Identify ways to use text-message campaigns successfully

    Audience: For bank marketing professionals looking to enhance their skills in social media channels, for marketing professionals new to the banking industry, or for staff with a marketing responsibility at a bank with limited marketing resources

  • Five Reasons Why Online Appointment Scheduling is Essential

    One of the fastest growing customer service trends in banking is online appointment scheduling. Online appointments and meeting scheduling is a powerful solution that banks can use to gain a competitive advantage while providing an exceptional customer experience.

    Part of The Retail Playbook You Need to Succeed series, presented by Tonya Gossage

    What You’ll Learn

    • Five reasons you should consider implementing online appointment scheduling 
    • The benefits of serving customers by appointment
    • The overall effect of appointment scheduling on staff and operations 
    • Learn about proven online appointment scheduling providers to consider  

    Audience: Chief Retail Banking Officers, Regional Branch Managers, Branch Managers, Call Center Managers, Customer Service and Call Center Representatives, Administration Officers

  • Flood Disaster Protection Act

    Provides an overview of the requirements enacted by Congress and the mandated flood insurance requirements for all federally backed mortgages, and mortgages and loans obtained through federally insured and regulated financial institutions. Explains the coverage requirements and exemptions, and the disclosures required in these transactions.

    What You’ll Learn

    After completing this course, students will be able to:

    • Describe the circumstances and properties that require a flood determination
    • Explain the types of loans subject to the mandatory requirement to purchase flood insurance
    • Describe the minimum flood insurance purchase amounts
    • Describe the process for notifying borrowers who have properties in a special flood hazard area
    • Describe what constitutes sufficient proof of flood insurance and when it must be provided to the bank

    Audience: Frontline employees involved in the lending process, including mortgage, consumer and small business lenders, loan processors and loan servicing.

  • Flood Insurance

    Examine the underlying purpose and conditions of the National Flood Insurance Program and how its statutes affect flood insurance requirements. Gain a better understanding of how flood insurance laws are implemented when your institution makes, increases, extends, or renews a loan secured by property located in a Special Flood Hazard Area.

    Audience: n/a

  • Four Steps to Better Body Language

    This short video demonstrates four easy methods you can immediately use to improve your body language, which will result in better overall communication. Movements, Confidence, Posture and Practice are all key.

    Part of the Body Language Basics series, presented by Tonya Gossage

    What You’ll Learn

    • Learn to be aware of what certain movements you make mean to other people
    • Use and identify movements and nonverbal communication that project confidence 
    • Practice using body language

    Audience: All audiences, including Customer Service Representatives, Managers, Lenders, Sales-Oriented Positions, Retail Banking Officers, Branch Managers, Administration Officers

  • Four Ways to Detect a Lie

    In this video, we examine four ways to detect, through body language, whether someone is hiding the truth—of if they are just uncomfortable.

    Part of the Body Language Basics series, presented by Tonya Gossage

    What You’ll Learn

    • Understand what someone’s hand and eye movements, facial expressions and posture are telling you
    • Tell the difference between what signals a lie and what doesn’t

    Audience: All audiences, including Customer Service Representatives, Managers, Lenders, Sales-Oriented Positions, Retail Banking Officers, Branch Managers, Administration Officers

  • Fraud and Criminal Threats

    Explains how fraud and other criminal threats affect consumers and financial institutions. Describes considerations when assessing the organization’s strength in each pillar of a well-built financial crimes program, and key components of an effective program’s operations.

    What You’ll Learn

    After successfully completing this course, you will be able to:

    • Describe the importance of an effective financial crimes program and the risks associated with financial crimes
    • Identify the elements of an effective financial crimes program
    • Explain the basic four pillars of an effective program and the key aspects of each
    • Describe the day-to-day and ongoing operational components of a financial crimes program
    • Identify common crimes committed against institutions and effective counter measures

    Audience: Risk and internal audit professionals; third-party service providers and state/federal examiners; first-line risk and operations managers with responsibilities for operational risk management, including implementing, managing, monitoring, reporting, auditing and/or supporting an effective operational risk management program, policies and procedures.

  • Fraud Examination

    Learn to identify, detect, investigate, and prevent financial fraud with fraud examination. Study and understand the nature of fraud investigation today with memorable business examples and numerous actual fraud cases to ensure your understanding of today’s most important fraud concepts. Examine the many types of fraud–from tax fraud and e-business fraud, to consumer fraud–and review legal options for victims of fraud. Significant new discussion familiarizes students with forensic analysis. Throughout this course, technology is increasingly used to accomplish fraud and used to detect fraud.

    Audience: Finance

  • Fraud Recognition and Prevention

    Describes check fraud, check kiting and other check scams. Discusses how bank products, services, and information security can be vulnerable to identity theft activity. Explains types of credit fraud such as application fraud, personal loan information fraud, mortgage lending fraud, and lines of credit fraud.

    What You’ll Learn

    After successfully completing this course, you will be able to:

    • Explain common deposit account fraud activity encountered by branch personnel and customer service representatives
    • Explain how fraudsters target bank products, services, and account information for identity theft purposes, and the related methods banks use to protect their customers
    • Describe fraudulent activity that impacts bank lending

    Audience: Branch staff, call center representatives, and lenders.

  • Full Balance Sheet Advice

    Covers full balance sheet and cash flow analysis as the common language that advisors of all disciplines across the firm share. Defines asset, liability, risk, and cash flow connection points as input to full balance sheet advice. Describes holistic asset allocation across financial and non-financial assets, along with debt and risk management.

    What You’ll Learn

    After completing this course, students will be able to:

    • Describe how elements of the client’s financial life are reflected on the  balance sheet and what it means to wealth advisors
    • Interpret each element of the client’s balance sheet and cash flow to determine alignment with financial objectives 
    • Evaluate aggregate risks and opportunities across the balance sheet to recommend an optimal asset allocation
    • Examine clients’ net cash flow to restructure liabilities or reduce expenses to meet financial goals

    Audience: Client-facing relationship managers (wealth advisors, fiduciary advisors, portfolio managers, bankers, planners) who want to raise their client engagement acumen.

  • Fundamentals of Consumer Lending Suite

    This suite of two courses explores the consumer lending process from terminology to the application process to customer communications. Completing this suite provides best practices for ensuring regulatory compliance and determining credit worthiness. Concise, impactful lessons can be applied on the job immediately.

    Courses

    Audience: Any bank personnel with little or no experience in consumer lending.

  • Fundamentals of Insurance

    Describes how risk is addressed through insurance, which is an important component of an overall wealth management plan. Describes homeowners insurance, homeowners liability, homeowners medical payment coverages, and optional floaters and endorsements. Explores types of auto insurance coverages. Describes the purpose of umbrella policies, and the features of comprehensive personal liability policies. Explains who needs business liability policies, and describes the elements of professional liability policies. Explains the types of life insurance policies available.  Explores the options available in employer-provided medical insurance, and explains the government-provided medical insurance plans. Explains how to identify individuals that should consider critical illness insurance and describes providers of disability income insurance coverage, and explains the different policy riders. Discusses the features of long-term care (LTC)  insurance and tax-qualified LTC policies. Describes types of special coverage insurable risks and typical associated coverages.

    What You’ll Learn

    After completing this course, students will be able to:

    • Explain how risk is addressed through insurance
    • Identify the features of homeowners insurance
    • Identify auto insurance coverages
    • Explain the various types of liability insurance 
    • Describe the various types of life insurance
    • Describe the medical insurance options available to clients
    • Identify the providers and optional riders offered with disability income insurance
    • Explain long-term care insurance and the policies recommended
    • Describe the types of special coverages available to clients

    Audience: Trust officers with at least three years of personal trust experience who need a deeper understanding of technical trust concepts and how solutions work when applied to client needs.

  • Fundamentals of Life Insurance

    Analyzes the types of common life insurance and the tax considerations and describes the inventory of life insurance coverage. Explains how to determine the life insurance needs for clients and compare their needs with their current policies. 

    What You’ll Learn

    After completing this course, students will be able to:

    • Discuss basic facts about life insurance
    • Determine the life insurance needs of a client

    Audience: Trust officers with at least three years of personal trust experience who need a deeper understanding of technical trust concepts and how solutions work when applied to client needs.

  • Fundamentals of Mortgage Lending

    Explore key elements in the mortgage lending industry. Course topics include the major mortgage financing programs and guidelines, construction lending and land development financing, the impact of regulations on the mortgage process; property appraisals review and types of mortgage fraud.

    Learning Objectives:

    -Describe the basic principles involved in real estate investment and finance, including the business of construction and development
    lending
    -Describe the process of mortgage origination, processing, underwriting, closing, and servicing, including the federal laws that apply
    -Explain the various functions and responsibilities of mortgage origination and loan servicing departments
    -Describe mortgage financing programs and options
    -Explain applicable compliance laws and their impact on the mortgage process
    -Describe how a property appraisal is completed and how they are used in mortgage financing
    -Describe the basic principles involved in real estate investment and finance, including the business of construction and development
    lending
    -Describe the different forms of mortgage fraud and its impact on the industry and financing process

    Audience: Financial service professionals who want a broad overview of mortgage lending, including those who intend to pursue a career in mortgage lending (business development, underwriting, processing) or those individuals who recently joined a mortgage lending department.

  • Fundamentals of Mortgage Lending

    Explore key elements in the mortgage lending industry. Course topics include the major mortgage financing programs and guidelines, construction lending and land development financing, the impact of regulations on the mortgage process; property appraisals review and types of mortgage fraud.

    Learning Objectives
    -Describe mortgage financing programs and options
    -Explain applicable compliance laws and their impact on the mortgage process
    -Describe how a property appraisal is completed and how they are used in mortgage financing
    -Describe the basic principles involved in real estate investment and finance, including the business of construction and development lending
    -Describe the different forms of mortgage fraud and its impact on the industry and financing process

    Audience: Financial service professionals who want a broad overview of mortgage lending, including those who intend to pursue a career in mortgage lending (business development, underwriting, processing) or those individuals who recently joined a mortgage lending department.

  • Fundamentals of Mortgage Lending

    Explore key elements in the mortgage lending industry. Course topics include the major mortgage financing programs and guidelines, construction lending and land development financing, the impact of regulations on the mortgage process; property appraisals review and types of mortgage fraud.

    Learning Objectives
    -Describe mortgage financing programs and options
    -Explain applicable compliance laws and their impact on the mortgage process
    -Describe how a property appraisal is completed and how they are used in mortgage financing
    -Describe the basic principles involved in real estate investment and finance, including the business of construction and development lending
    -Describe the different forms of mortgage fraud and its impact on the industry and financing process

    Audience: Financial service professionals who want a broad overview of mortgage lending, including those who intend to pursue a career in mortgage lending (business development, underwriting, processing) or those individuals who recently joined a mortgage lending department.

  • Fundamentals of Small Business Banking Suite

    This suite of two courses explores the characteristics, expectations, and operational needs of small businesses. Explore different small business types to better understand your clients and the products and services that they typically need.

    Completing this suite helps develop the key skills needed to create and sustain successful small business relationships. Through a blended-learning approach with micro-lessons, practice exercises and toolkits, lessons can be applied on the job immediately.

    Courses*

    *Only available as a suite

    • Small Business Basics
      Explore the different small business industry types and their corresponding traits and financial needs.
    • Small Business Operating and Life Cycle
      Learns the steps of the operating cycle. Gain insight into detecting a small business owner’s banking product needs during each step of the operating cycle and life cycle.

    The estimated time to complete these two courses is approximately 45 minutes. Students have access to the curriculum for one year from date of purchase.

    Audience: Universal Bankers, Personal Bankers and Commercial Lenders looking to expand their portfolio; Community outreach personnel; Bank personnel who are responsible for servicing or selling to small business customers

  • Game Plan for a Healthy Branch Experience

    Free for ABA Members

    Feeling safe and protected from the spread of COVID-19 is priority number one for many, including your customers. In this video, you’ll learn about best practices and resources to ensure your branch will be ready to safely welcome back customers and get back to business.

    Part of The Retail Playbook You Need to Succeed series, presented by Tonya Gossage

    What You’ll Learn

    • Enact five proven healthy and safety tactics to keep you and your customers safe
    • Understand key branch signage and health-related policies and procedures you should consider reviewing
    • Learn how to use CDC-sponsored resources that will help you prevent the spread of disease

    Audience: Chief Retail Banking Officers, Regional Branch Managers, Branch Managers, Call Center Managers, Customer Service and Call Center Representatives, Administration Officers

  • Garnishment of Federal Benefit Payments

    On May 29, 2013, the U.S. Department of Treasury, along with several federal agencies, including the Social Security Administration, the Department of Veterans Affairs, the Railroad Retirement Board, and the Office of Personnel Management, published the Final Rule on the Garnishment of Accounts Containing Federal Benefit Payments. The final rule not only supersedes state laws pertaining to how credit unions process garnishments, but will also apply to state tax levies and warrants.

    Covered Topics
    -A general review of the requirements for processing garnishments and state tax levies under the final rule;
    -The special terminology that applies;
    -The detailed steps credit unions need to take when processing garnishment and levy requests;
    -Examples of how the rules impact garnishment and levy answers, and hold amounts;
    -Model language and sample forms that can be used when providing notice pursuant to the rules.

    Audience: Compliance officers, legal counsel and credit union personnel who process garnishments will benefit from attending this webinar.

  • General Accounting

    Topics in analyzing source documents, recording business transactions in a journal and posting entries in a ledger. How to prepare a trial balance, gather adjustment data and complete a worksheet are covered, as well as how to prepare financial statements and post-closing entries.

    Note: General Accounting is a prerequisite for Analyzing Financial Statements.

    Learning Objectives

    • Describe the basic accounting cycle and define the basic elements used such as asset, liability, owner’s equity, revenue, and expense accounts and posting debits and credits
    • Post to the general journal and general ledger, and prepare adjusting entries
    • List the steps in the accounting cycle; prepare a post-closing trial balance and interim statements and the statement of owner’s equity
    • Prepare a classified income statement and balance sheet, compute working capital and current ratio and journalize closing entries for a business
    • Identify and perform functions relative to bank accounts and cash funds

    Audience: Bank personnel at any level with little or no accounting background

  • General Accounting

    Topics in analyzing source documents, recording business transactions in a journal and posting entries in a ledger. How to prepare a trial balance, gather adjustment data and complete a worksheet are covered, as well as how to prepare financial statements and post-closing entries.

    Note: General Accounting is a prerequisite for Analyzing Financial Statements.

    Learning Objectives

    • Describe the basic accounting cycle and define the basic elements used such as asset, liability, owner’s equity, revenue, and expense accounts and posting debits and credits
    • Post to the general journal and general ledger, and prepare adjusting entries
    • List the steps in the accounting cycle; prepare a post-closing trial balance and interim statements and the statement of owner’s equity
    • Prepare a classified income statement and balance sheet, compute working capital and current ratio and journalize closing entries for a business
    • Identify and perform functions relative to bank accounts and cash funds

    Audience: Bank personnel at any level with little or no accounting background

  • General Accounting

    Topics in analyzing source documents, recording business transactions in a journal and posting entries in a ledger. How to prepare a trial balance, gather adjustment data and complete a worksheet are covered, as well as how to prepare financial statements and post-closing entries.

    Note: General Accounting is a prerequisite for Analyzing Financial Statements.

    Learning Objectives

    • Describe the basic accounting cycle and define the basic elements used such as asset, liability, owner’s equity, revenue, and expense accounts and posting debits and credits
    • Post to the general journal and general ledger, and prepare adjusting entries
    • List the steps in the accounting cycle; prepare a post-closing trial balance and interim statements and the statement of owner’s equity
    • Prepare a classified income statement and balance sheet, compute working capital and current ratio and journalize closing entries for a business
    • Identify and perform functions relative to bank accounts and cash funds

    Audience: Bank personnel at any level with little or no accounting background

  • General Accounting

    Topics in analyzing source documents, recording business transactions in a journal and posting entries in a ledger. How to prepare a trial balance, gather adjustment data and complete a worksheet are covered, as well as how to prepare financial statements and post-closing entries.

    Note: General Accounting is a prerequisite for Analyzing Financial Statements.

    Learning Objectives

    • Describe the basic accounting cycle and define the basic elements used such as asset, liability, owner’s equity, revenue, and expense accounts and posting debits and credits
    • Post to the general journal and general ledger, and prepare adjusting entries
    • List the steps in the accounting cycle; prepare a post-closing trial balance and interim statements and the statement of owner’s equity
    • Prepare a classified income statement and balance sheet, compute working capital and current ratio and journalize closing entries for a business
    • Identify and perform functions relative to bank accounts and cash funds

    Audience: Bank personnel at any level with little or no accounting background

  • General Accounting

    Topics in analyzing source documents, recording business transactions in a journal and posting entries in a ledger. How to prepare a trial balance, gather adjustment data and complete a worksheet are covered, as well as how to prepare financial statements and post-closing entries.

    Note: General Accounting is a prerequisite for Analyzing Financial Statements.

    Learning Objectives

    • Describe the basic accounting cycle and define the basic elements used such as asset, liability, owner’s equity, revenue, and expense accounts and posting debits and credits
    • Post to the general journal and general ledger, and prepare adjusting entries
    • List the steps in the accounting cycle; prepare a post-closing trial balance and interim statements and the statement of owner’s equity
    • Prepare a classified income statement and balance sheet, compute working capital and current ratio and journalize closing entries for a business
    • Identify and perform functions relative to bank accounts and cash funds

    Audience: Bank personnel at any level with little or no accounting background

  • Generation-Skipping Transfer Tax

    Explores planning aspects of the GST tax. Describes the transfer categories and how they are explained to clients and applied. Explains how allocations are used in GST tax exemptions and timely allocations and tax returns and the possible difficulties of making late allocations of filings. Explains the automatic allocation rules with respect to property transfers. Describes the concepts used in calculating the tax. Discusses differences between GST tax on taxable terminations, taxable distributions, and direct skips, and describes the treatment of effective date rules for trusts.

     

    What You’ll Learn

    After completing this course, students will be able to:

    • Define key terms related to GST
    • Describe planning aspects of GST
    • Identify the transfer categories, exceptions, and exclusions for GST
    • Explain the benefits of the generation-skipping transfer exemptions and allocations in estate planning
    • Recognize the concepts associated with calculating the GST tax, including special rules

    Audience: Trust officers with at least three years of personal trust experience who need a deeper understanding of technical trust concepts and how solutions work when applied to client needs.

  • Get Global: Understanding Global Cash Flow Analysis

    **E-book included in tuition fee**

    Understanding how to calculate and interpret cash flow is essential for successful bankers.

    This course is designed to assist bankers in calculating cash flow utilizing the Uniform Cash Flow Analysis (UCA) methods and to provide guidance in calculating Global Cash Flow Analysis for those entities that must rely on excess cash generated by their owners to service the business entity?s commercial debt.

    The seminar will begin by defining Cash Flow as the tool to transform an Accrual Basis Financial Statement into a Statement of Cash Flow and its importance to bankers when considering a long term loan request. Then it will proceed to demonstrate how Cash Flow is calculated utilizing the balance sheet and the income statement to determine the sources and uses of cash from operating, investing and financing activities.
    Next, a review of the owners personal financial statement and tax returns will be presented in order to determine the excess compensation necessary to support the debts of the business entity and the individual. That is the entire premise of Global Cash Flow Analysis.

    The use of several cases will be provided in order to demonstrate Global Cash Flow Analysis including a case for the Self-Employed borrower with interests in several business entities.

    Upon completion of this course, the participant will have a good understanding of how cash flow is calculated and more importantly, how to interpret its meaning.

    Covered Topics:

    • An illustration on how Cash Flow Analysis is used to transition an Accrual Basis Financial Statement into a Statement of Cash Flow (or Cash Basis Statement) because loans are repaid with cash and not profits.
    • Review of the Rules of Cash Flow which are essential in determining how much cash is generated from items on the balance sheet.
    • Global Cash Flow Analysis Methodology utilizing financial statements, tax returns and credit reports of commercial borrowers, and individuals.
    • Comparison of the UCA method of calculating cash flow to the less effective traditional EBITDA (Earnings Before Interest, Taxes, Depreciation and Amortization) method of determining cash flow.

    Audience: Senior Loan Officers, Senior Credit Officers, Commercial Loan Officers, Branch Managers, Credit Analyst, Loan Review Personnel, Consumer Loan Officers, Credit Administration Support Staff

  • Gift Strategy and Taxation

    Illustrates how to compute the gift tax, identifies who is liable to pay gift tax, and the impact of gift taxation on powers of appointment. Explores the benefits of a lifetime gift program and disadvantages of lifetime gifts. Demonstrates shifting income with gifting, and options for adults to retain control of property transferred to a minor. Emphasizes the importance of the marital deduction in estate planning.

    What You’ll Learn

    After completing this course, students will be able to:

    • Describe the basics of gift taxation
    • Explain the exclusions and gifting options
    • Describe the rules and advantages of the marital deduction

    Audience: Trust officers with at least three years of personal trust experience who need a deeper understanding of technical trust concepts and how solutions work when applied to client needs.

  • GLB Privacy Act (Opt-Out) (No Opt-Out)

    GLB Privacy (No Opt-Out)
    Gain a better understanding of GLB Privacy Act no opt-out concepts, terms and requirements as they apply to your role within your financial institution.

    GLB Privacy (Opt-Out)
    Review GLB Privacy Act opt-out concepts, terms and requirements as they relate to your role within your financial institution.

    Audience: n/a

  • Gold Level Webinar Subscription

    Benefits:

    -20% Savings
    -Shareable for your entire institution
    -Simplify your budgeting process
    Lower rate than purchasing individual
    webinars
    -Ability to choose Live, OnDemand, or
    CD Registrations
    -WSP Credits do not expire
    -Over 300 Webinars to choose from each
    year

    Credit Structure:

    Live or OnDemand – 1 Credit
    CD ROM and Handouts – 1.25 Credits
    Live PLUS OnDemand – 1.25 Credits
    Premier Package – 1.5 Credits

    Audience:

  • Good Faith Estimate and HUD-1

    This course provides timing requirements for the Good Faith Estimate form and HUD-1 statement for banks that make the types of loans requiring a GFE or HUD-1.

    What You’ll Learn

    After completing this course, students will be able to:

    • Describe the Good Faith Estimate (GFE) and when it must be used
    • Describe the HUD-1 and when it is required

    Audience: Bank personnel involved in the lending process who still need the GFE and HUD-1 for certain types of loans.

  • Good Faith Estimate and HUD-1 for Compliance Professionals

    This course provides timing requirements for the Good Faith Estimate form and HUD-1 statement for banks that make the types of loans requiring a GFE or HUD-1.

    What You’ll Learn
    After completing this course, students will be able to:

    • Explain the timing and content of the GFE application disclosure and the HUD-1 settlement disclosure
    • Describe the limitations on changes to settlement costs imposed by RESPA

    Audience: Compliance and risk management professionals including compliance managers, officers, and other team members whose primary role is within the compliance function at their financial institution; bank examiners, bank regulators, and auditors.

  • Growing Small Business Relationships Suite

    This suite of two courses, one exercise, and one toolkit focuses on best practices for identifying and acting on opportunities to service and grow your small business client relationships. Learn how to build solid partnerships by monitoring business and financial information and by conducting site visits.

    Completing this suite helps develop the key skills needed to create and sustain successful small business relationships. Through a blended-learning approach with micro-lessons, practice exercises and toolkits, lessons can be applied on the job immediately.

    Courses*

    *Only available as a suite

    • Monitoring Small Business Relationships
      Discover resources for monitoring business information, and get tips for tracking information using the client profile and conversation register. Learn best practices for identifying and acting on opportunities to service and grow your small business client relationships.
    • Conducting Site Visits
      See how to properly conduct a site visit. Get sample questions that can help you conduct your review of the people you meet and the business your client runs.
    • Growing Small Business Relationships – Apply What You’ve Learned
      Practice monitoring information and conducting site visits that solidify your client relationships.
    • Growing Small Business Relationships – Learner Toolkit
      Investigate practical applications to increase learning retention, with additional reference materials.

    The estimated time to complete each of these three courses and exercises is approximately 12 minutes. Students have access to the curriculum for one year from date of purchase.

    Audience: Universal Bankers, Personal Bankers and Commercial Lenders looking to expand their portfolio; Community outreach personnel; Bank personnel who are responsible for servicing or selling to small business customers

  • Handling Mortgage Inquiries and Making Referrals

    Describes the primary regulatory compliance Acts that affect mortgage inquiry, counseling, and application phases. Reviews the features and benefits of the most popular mortgage programs, important elements of different purchase and refinance transactions, and techniques and sample responses to customers for your mortgage referral to the MLO.

    What You’ll Learn

    After successfully completing this course, you will be able to:

    • Explain the phases in the mortgage origination process
    • Identify the important compliance issues that affect mortgage inquiries and referrals
    • Describe the features and benefits of conventional fixed rate, adjustable rate, FHA, and VA programs
    • Prepare and refer mortgage loan application customers

    Audience: All bank employees who are authorized to discuss mortgage loans with customers who do not have special mortgage licensing credentials (retail branch, loan servicing, or call center employees and employees who are involved in mortgage origination, such as originators, processors, underwriters, closers, etc.)

  • Handling Power of Attorney Documents on New Accounts

    Can an attorney-in-fact open an account, make a loan, and act on an IRA? These questions can cost your institutions thousands of dollars if you don?t know the answers. Learn how to work with these important legal documents.

    Handling Power of Attorney documents at the frontline can vary from one set of state laws to another. In many cases the best procedure is to send the document to legal for review. But if you work in a branch and handle these high level documents there are certainly some “dos” and “don’ts” we can all use to make better decisions about who and what can act and on what types of accounts. During this program we will examine multiple types of POAs, when they can be used and some general procedures to implement in your financial institution. You will receive a state law chart and links to your statutes to help with the state specific issues.

    Covered Topics
    -Types of Power of Attorneys-Springing, durable, specific, military and other types of POAs
    -New CFPB guidelines for POAs
    -Specific types of power of attorneys on treasury checks
    -State law issues on power of attorneys: Affidavits for Power of Attorneys, POAs accepting the job and recording of the Power of Attorney
    -Durable versus nondurable power of attorneys?what is the risk?
    -POAs on trusts, businesses, UTMA, Social Security Accounts, IRAs and other fiduciary relationships
    -What can a power of attorney do? Can a power of attorney make a loan? Open a safe deposit box? Sign a signature card? Remove an authorized signer?
    -What happens when a POA tries to benefit his or herself such as naming his or herself as Joint WROS, or POD beneficiary?
    -When a conservator is named by the court, does it bump a POA?
    -How should power of attorneys endorse checks?
    -Who do you run your Customer Identification Program on? Owner or Power of attorney?
    -Can the financial institution set rules for power of attorneys and when should that be done?
    -And much, much more?

    Audience: This webinar will benefit New Accounts Representatives, Member Service Representatives, Branch Managers, Branch Administration, Compliance, Personal Bankers, Financial Service Representatives, Training and all frontline personnel.

  • Health Savings Account (HSA) Expert Certificate

    A comprehensive overview of HSA requirements for financial institutions and benefits administrators. Designed to help HSA providers and their staff master key requirements, situations, and strategies to better serve HSA account holders, the certificate is the product of HSA Consulting Services and its president and founder, Roy Ramthun, and is distributed in cooperation with the ABA HSA Council.

    Registration also includes a digital copy of the HSA Owners’ Manual.

    Course Titles

    You must complete the following:

    • Overview of Health Savings Accounts
    • HSA Eligibility
    • HSA Contributions
    • HSA Distributions
    • HSA Account Administration
    • HSA Benefits, Strategies, and Best Practices
    • How Much Do You Know About HSAs?

    Download PDF Overview to learn more.

    The estimated time to complete these 7 courses, plus the exam, is 3.5 hours.

    Individuals who successfully complete the course and the timed 1 hour, 40 question online exam earn a 3-year HSA Expert Certification from HSA Consulting Services.

    Audience: Operations, sales, marketing, product design, compliance, and human resources. Also appropriate for bank affiliates and partners, such as health insurance brokers, financial advisors, and financial planners.

  • Health Savings Accounts

    Happy 15th Birthday to Health Savings Accounts! Why is it after all these years, the same mistakes are being made over and over again? While we were patient during the learning curve as a new product, enough is enough! The HSA owners must take responsibility for their role in using these accounts correctly.

    Whether you are now offering HSAs or are thinking about offering HSAs, this 90 minute extremely informative webinar will give you the information you need to make sure you are setting the accounts up correctly and performing the proper maintenance and reporting.

    Covered Topics
    -What are the 5 mandatory requirements for HSA eligibility?
    -What are the NEW contribution limits for 2019?
    -What responsibilities does the credit union have to monitor qualified medical expense withdrawals and excess contributions?
    -What kind of account should the HSA money be invested in?
    -How do we handle excess contributions and re-deposit medical expense reimbursements?
    -What are the IRS reporting requirements for HSA contributions and distributions?
    -What are the 4 major “trouble spots” for HSA accounts and the recommendations to solve the problems?

    Audience: New Account Representatives, Certificate of Deposit Personnel, Savings Counselors, Member Services Representatives, Investment and Trust Personnel who are involved in the opening, selling, marketing, or administration of HSAs. Any officer/manager who "oversees" the New Account department and may be responsible for answering HSA accountholders questions or concerns but does not actually open HSA accounts.

  • High-Cost Mortgages (HOEPA)

    Learn about the basic concepts regarding loans governed by HOEPA rules, the different types of high-cost mortgages available to consumers, prohibited lending practices and required disclosure statements.

    Audience: n/a

  • HMDA and CRA Reporting Requirements for Refinancing or Modifying Loans

    Learn what transactions are reportable to both HMDA and CRA requirements.

    What You’ll Learn

    This training will answer the following questions:

    • Are changes to existing loans (or lines of credit) reported under HMDA? Learn how definitions and loan purpose affect the answer.
    • Are changes to existing loans (or lines of credit) reported under CRA? Understand reporting on loans for small business, farm, lines of credit and community development. 

    Audience: n/a

  • Home Equity (Open-End Credit)

    Review the rules governing open-end home equity credit offered to consumers under Regulation Z. Topics covered include specific disclosures for borrowers, lending restrictions that apply to home equity lines of credit and advertising governance.

    Audience: n/a

  • Home Mortgage Disclosure Act (HMDA) for Compliance Professionals

    Explains how to distinguish which institutions and transactions are covered by HMDA requirements and how to avoid the assessment of civil money penalties. Explores how to accurately complete a Loan Application Register (LAR) and the importance of management involvement in this process.

    What You’ll Learn
    After completing this course, students will be able to:

    • Whether an institution is covered by HMDA or not
    • Which transactions are subject to HMDA
    • How to properly complete a Loan Application Register (LAR)
    • Additional disclosure and reporting requirements of HMDA
    • Importance of management?s involvement

    Audience: Compliance professionals including compliance managers, officers, and other compliance team members whose primary role is within the compliance function at their financial institution; bank examiners, bank regulators, auditors and lending compliance professionals

  • Home Mortgage Disclosure Act (HMDA) Overview

    Explores the types of loans covered by HMDA, and explains the collection steps for demographic information and how the Loan Application Register information is used. Defines the role of supervisory agencies and management in ensuring data is reported as outlined in HMDA.

    What You’ll Learn

    After completing this course, students will be able to:

    • Explain the purpose of the HMDA and what it covers
    • Describe the financial institutions required to report HMDA data
    • List other acts that support fair lending practices
    • Describe management responsibilities for reporting HMDA information
    • Identify when and how to complete demographic information
    • Identify data points covered by partial exemptions

    Audience: Bank personnel with responsibilities for any part of the mortgage lending process

  • Home Mortgage Disclosure Act - Regulation C

    Get to know the basic recordkeeping, reporting and disclosure requirements under the HMDA and Regulation C.

    Audience: n/a

  • Homeowners Protection Act

    Explains when the right to cancel PMI is permitted, the exceptions, disclosures, and notice requirement for borrower rights to cancel and terminate PMI, the basic disclosure requirements for lender-paid mortgage insurance, and the liability to borrowers if PMI is not canceled in accordance with the law.

    What You’ll Learn

    After completing this course, students will be able to:

    • Describe when PMI is required and when it must be cancelled
    • Explain borrower and servicer initiated requests for PMI cancellation and exceptions
    • Describe lender disclosure and notice requirements for borrower rights to cancel and terminate PMI
    • Explain the difference between Borrower paid mortgage insurance (BPMI) and Lender paid mortgage insurance (LPMI)

    Audience: Lenders, underwriters and anyone who takes credit applications, as well as back office staff responsible for mortgage disclosures.

  • How and When Do I Report Loan Changes in Terms Under FCRA?

    Understand how and when to report loan changes to consumer reporting agencies when changing loan terms.

    What You’ll Learn

    After successfully completing this course, you will be able to:

    • Recognize FCRA principles impacting refinanced or modified loans
    • Determine when a creditor has the right to a credit inquiry when a loan change is initiated
    • Understand prohibited actions related to consumer reports
    • Understand the required Credit Score Disclosures
    • Define adverse action and identify information that must be included in adverse action notices 

    Audience: n/a

  • How Trusts are Taxed

    This course explains the most basic and fundamental tax rules that apply to most charitable and noncharitable trusts. This course explains how grantor trusts, charitable trusts, and foundations and supporting organizations are taxed. It describes the purpose of distributable net income, and explains the distribution deduction for simple and complex trusts.

    What You’ll Learn

    After completing this course, students will be able to:

    • Describe how non-charitable trusts are taxed
    • Describe how charitable trusts are taxed
    • Explain the distributable net income concept

    Audience: Trust officers with at least three years of personal trust experience who need a deeper understanding of technical trust concepts and how solutions work when applied to client needs.

  • Human Relations

    The Human Relations course is ACE recommended for college credit transfer!

    The Human Relations course provides an examination of the evolution of human relations in the workplace, concepts of motivation, and leadership behavior.  The role and function of the individual within an organizational structure are addressed.

    Topics covered include:

    • Human Relations: A Background
    • Self-Concept and Self-Esteem in Human Relations
    • Self-Awareness and Self-Disclosure
    • Attitudes
    • Personal and Organizational Values
    • Motivation: Increasing Productivity
    • Communication and Human Relations
    • People, Groups and their Leaders
    • Teams in Quality Organizations
    • Achieving Emotional Control
    • Individual and Organizational Change
    • Creativity and Human Relations
    • Conflict Management
    • Stress and Stress Management
    • Your External and Internal Customers
    • Human Relations in a World of Diversity
    • Business Ethics and Social Responsibility
    • Maintaining a Productive Workplace
    • Human Relations and Your Future Success

    Audience: New or experienced supervisors

  • Human Relations

    The Human Relations course is ACE recommended for college credit transfer!

    The Human Relations course provides an examination of the evolution of human relations in the workplace, concepts of motivation, and leadership behavior. The role and function of the individual within an organizational structure are addressed.

    Topics covered include:

    • Human Relations: A Background
    • Self-Concept and Self-Esteem in Human Relations
    • Self-Awareness and Self-Disclosure
    • Attitudes
    • Personal and Organizational Values
    • Motivation: Increasing Productivity
    • Communication and Human Relations
    • People, Groups and their Leaders
    • Teams in Quality Organizations
    • Achieving Emotional Control
    • Individual and Organizational Change
    • Creativity and Human Relations
    • Conflict Management
    • Stress and Stress Management
    • Your External and Internal Customers
    • Human Relations in a World of Diversity
    • Business Ethics and Social Responsibility
    • Maintaining a Productive Workplace
    • Human Relations and Your Future Success

    Audience:

  • Human Relations

    The Human Relations course is ACE recommended for college credit transfer!

    The Human Relations course provides an examination of the evolution of human relations in the workplace, concepts of motivation, and leadership behavior. The role and function of the individual within an organizational structure are addressed.

    Topics covered include:

    • Human Relations: A Background
    • Self-Concept and Self-Esteem in Human Relations
    • Self-Awareness and Self-Disclosure
    • Attitudes
    • Personal and Organizational Values
    • Motivation: Increasing Productivity
    • Communication and Human Relations
    • People, Groups and their Leaders
    • Teams in Quality Organizations
    • Achieving Emotional Control
    • Individual and Organizational Change
    • Creativity and Human Relations
    • Conflict Management
    • Stress and Stress Management
    • Your External and Internal Customers
    • Human Relations in a World of Diversity
    • Business Ethics and Social Responsibility
    • Maintaining a Productive Workplace
    • Human Relations and Your Future Success

    Audience:

  • Human Relations

    The Human Relations course is ACE recommended for college credit transfer!

    The Human Relations course provides an examination of the evolution of human relations in the workplace, concepts of motivation, and leadership behavior. The role and function of the individual within an organizational structure are addressed.

    Topics covered include:

    • Human Relations: A Background
    • Self-Concept and Self-Esteem in Human Relations
    • Self-Awareness and Self-Disclosure
    • Attitudes
    • Personal and Organizational Values
    • Motivation: Increasing Productivity
    • Communication and Human Relations
    • People, Groups and their Leaders
    • Teams in Quality Organizations
    • Achieving Emotional Control
    • Individual and Organizational Change
    • Creativity and Human Relations
    • Conflict Management
    • Stress and Stress Management
    • Your External and Internal Customers
    • Human Relations in a World of Diversity
    • Business Ethics and Social Responsibility
    • Maintaining a Productive Workplace
    • Human Relations and Your Future Success

    Audience: New or experienced supervisors

  • Human Relations

    The Human Relations course is ACE recommended for college credit transfer!

    The Human Relations course provides an examination of the evolution of human relations in the workplace, concepts of motivation, and leadership behavior. The role and function of the individual within an organizational structure are addressed.

    Topics covered include:

    • Human Relations: A Background
    • Self-Concept and Self-Esteem in Human Relations
    • Self-Awareness and Self-Disclosure
    • Attitudes
    • Personal and Organizational Values
    • Motivation: Increasing Productivity
    • Communication and Human Relations
    • People, Groups and their Leaders
    • Teams in Quality Organizations
    • Achieving Emotional Control
    • Individual and Organizational Change
    • Creativity and Human Relations
    • Conflict Management
    • Stress and Stress Management
    • Your External and Internal Customers
    • Human Relations in a World of Diversity
    • Business Ethics and Social Responsibility
    • Maintaining a Productive Workplace
    • Human Relations and Your Future Success

    Audience: New or experienced supervisors

  • Human Relations

    The Human Relations course is ACE recommended for college credit transfer!

    The Human Relations course provides an examination of the evolution of human relations in the workplace, concepts of motivation, and leadership behavior. The role and function of the individual within an organizational structure are addressed.

    Topics covered include:

    • Human Relations: A Background
    • Self-Concept and Self-Esteem in Human Relations
    • Self-Awareness and Self-Disclosure
    • Attitudes
    • Personal and Organizational Values
    • Motivation: Increasing Productivity
    • Communication and Human Relations
    • People, Groups and their Leaders
    • Teams in Quality Organizations
    • Achieving Emotional Control
    • Individual and Organizational Change
    • Creativity and Human Relations
    • Conflict Management
    • Stress and Stress Management
    • Your External and Internal Customers
    • Human Relations in a World of Diversity
    • Business Ethics and Social Responsibility
    • Maintaining a Productive Workplace
    • Human Relations and Your Future Success

    Audience: New or experienced supervisors

  • Human Relations

    The Human Relations course is ACE recommended for college credit transfer!

    The Human Relations course provides an examination of the evolution of human relations in the workplace, concepts of motivation, and leadership behavior. The role and function of the individual within an organizational structure are addressed.

    Topics covered include:
    – Human Relations: A Background
    – Self-Concept and Self-Esteem in Human Relations
    – Self-Awareness and Self-Disclosure
    – Attitudes
    – Personal and Organizational Values
    – Motivation: Increasing Productivity
    – Communication and Human Relations
    – People, Groups and their Leaders
    – Teams in Quality Organizations
    – Achieving Emotional Control
    – Individual and Organizational Change
    – Creativity and Human Relations
    – Conflict Management
    – Stress and Stress Management
    – Your External and Internal Customers
    – Human Relations in a World of Diversity
    – Business Ethics and Social Responsibility
    – Maintaining a Productive Workplace
    – Human Relations and Your Future Success

    Audience: New or experienced supervisors

  • Human Relations

    The Human Relations course is ACE recommended for college credit transfer!

    The Human Relations course provides an examination of the evolution of human relations in the workplace, concepts of motivation, and leadership behavior. The role and function of the individual within an organizational structure are addressed.

    Topics covered include:

    • Human Relations: A Background
    • Self-Concept and Self-Esteem in Human Relations
    • Self-Awareness and Self-Disclosure
    • Attitudes
    • Personal and Organizational Values
    • Motivation: Increasing Productivity
    • Communication and Human Relations
    • People, Groups and their Leaders
    • Teams in Quality Organizations
    • Achieving Emotional Control
    • Individual and Organizational Change
    • Creativity and Human Relations
    • Conflict Management
    • Stress and Stress Management
    • Your External and Internal Customers
    • Human Relations in a World of Diversity
    • Business Ethics and Social Responsibility
    • Maintaining a Productive Workplace
    • Human Relations and Your Future Success

    Audience:

  • Human Relations

    The Human Relations course is ACE recommended for college credit transfer!

    The Human Relations course provides an examination of the evolution of human relations in the workplace, concepts of motivation, and leadership behavior. The role and function of the individual within an organizational structure are addressed.

    Topics covered include:

    • Human Relations: A Background
    • Self-Concept and Self-Esteem in Human Relations
    • Self-Awareness and Self-Disclosure
    • Attitudes
    • Personal and Organizational Values
    • Motivation: Increasing Productivity
    • Communication and Human Relations
    • People, Groups and their Leaders
    • Teams in Quality Organizations
    • Achieving Emotional Control
    • Individual and Organizational Change
    • Creativity and Human Relations
    • Conflict Management
    • Stress and Stress Management
    • Your External and Internal Customers
    • Human Relations in a World of Diversity
    • Business Ethics and Social Responsibility
    • Maintaining a Productive Workplace
    • Human Relations and Your Future Success

    Audience:

  • Human Relations

    The Human Relations course is ACE recommended for college credit transfer!

    The Human Relations course provides an examination of the evolution of human relations in the workplace, concepts of motivation, and leadership behavior. The role and function of the individual within an organizational structure are addressed.

    Topics covered include:

    • Human Relations: A Background
    • Self-Concept and Self-Esteem in Human Relations
    • Self-Awareness and Self-Disclosure
    • Attitudes
    • Personal and Organizational Values
    • Motivation: Increasing Productivity
    • Communication and Human Relations
    • People, Groups and their Leaders
    • Teams in Quality Organizations
    • Achieving Emotional Control
    • Individual and Organizational Change
    • Creativity and Human Relations
    • Conflict Management
    • Stress and Stress Management
    • Your External and Internal Customers
    • Human Relations in a World of Diversity
    • Business Ethics and Social Responsibility
    • Maintaining a Productive Workplace
    • Human Relations and Your Future Success

    Audience:

  • Human Resource Development

    Employee skills and motivation are critical for organizational success.  This course will help anyone increase their effectiveness, along with that of individuals with whom they work and the organizations of which they are a part.  After successfully completing this course, you will be able to:  understand the concepts, processes, and practices that form the basis of successful human resource development; show how concepts and theory can and have been put into practice in a variety of organizations; focus on the shared role of line management and human resource specialists in human resource development; and reflect the current state of the field, blending real-world practices and up-to-date research.

    Topics include:

    • Introduction to Human Resource Development
    • Influences on Employee Behavior
    • Learning and Human Resource Development
    • Assessing Human Resource Development Needs
    • Designing Effective Human Resource Development Programs
    • Implementing Human Resource Development Programs
    • Evaluating Human Resource Development Programs
    • Employee Socialization and Orientation
    • Skills and Technical Training
    • Coaching and Performance management
    • Employee counseling and Wellness Services
    • Career Management and Development
    • Management Development
    • Organization Development and Change
    • Human Resource Development and Diversity: Diversity Training and Beyond

    Audience: Anyone responsible for supervising or managing people.

  • Human Resource Management

    Human Resource Management course is ACE recommended for college credit transfer!

    The Human Resource Management course covers all aspects of human resource management and its impact on both individuals and organizations. The text builds on a foundation of research and theory but also provides a practical framework focusing on critical issues and successful practices.  Over 500 different organizations from a variety of settings are used as examples to illustrate key points and make the connection to HR practice. Important issues and critical trends are spotlighted in each chapter and reflected in the comprehensive and chapter ending cases included in the text. Managing Human Resources’ balance of theory and practice, hands-on activities, applications, and examples helps students develop the competencies to understand and help their organizations create a sustainable competitive advantage through people. 

    Textbook chapter topics include:

    • Human Resource Management: Gaining a Competitive Advantage
    • Strategic Human Resource Management
    • The Legal Environment: Equal Employment Opportunity and Safety
    • The Analysis and Design of Work
    • Human Resource Planning and Recruitment
    • Selection and Placement
    • Training
    • Performance Management
    • Employee Development
    • Employee Separation and Retention
    • Pay Structure Decisions
    • Recognizing Employee Contributions with Pay
    • Employee Benefits
    • Collective Bargaining and Labor Relations
    • Managing Human Resources Globally
    • Strategically Managing the Human Resource Management Function

    Audience: Human Resource Professionals, Office Managers and Department Managers

  • Human Resource Management

    Human Resource Management course is ACE recommended for college credit transfer!

    The Human Resource Management course covers all aspects of human resource management and its impact on both individuals and organizations. The text builds on a foundation of research and theory but also provides a practical framework focusing on critical issues and successful practices.  Over 500 different organizations from a variety of settings are used as examples to illustrate key points and make the connection to HR practice. Important issues and critical trends are spotlighted in each chapter and reflected in the comprehensive and chapter ending cases included in the text. Managing Human Resources’ balance of theory and practice, hands-on activities, applications, and examples helps students develop the competencies to understand and help their organizations create a sustainable competitive advantage through people. 

    Textbook chapter topics include:

    • Human Resource Management: Gaining a Competitive Advantage
    • Strategic Human Resource Management
    • The Legal Environment: Equal Employment Opportunity and Safety
    • The Analysis and Design of Work
    • Human Resource Planning and Recruitment
    • Selection and Placement
    • Training
    • Performance Management
    • Employee Development
    • Employee Separation and Retention
    • Pay Structure Decisions
    • Recognizing Employee Contributions with Pay
    • Employee Benefits
    • Collective Bargaining and Labor Relations
    • Managing Human Resources Globally
    • Strategically Managing the Human Resource Management Function

    Audience: Human Resource Professionals, Office Managers and Department Managers

  • Human Resource Management

    Human Resource Management course is ACE recommended for college credit transfer!

    The Human Resource Management course covers all aspects of human resource management and its impact on both individuals and organizations. The text builds on a foundation of research and theory but also provides a practical framework focusing on critical issues and successful practices.  Over 500 different organizations from a variety of settings are used as examples to illustrate key points and make the connection to HR practice. Important issues and critical trends are spotlighted in each chapter and reflected in the comprehensive and chapter ending cases included in the text. Managing Human Resources’ balance of theory and practice, hands-on activities, applications, and examples helps students develop the competencies to understand and help their organizations create a sustainable competitive advantage through people. 

    Textbook chapter topics include:

    • Human Resource Management: Gaining a Competitive Advantage
    • Strategic Human Resource Management
    • The Legal Environment: Equal Employment Opportunity and Safety
    • The Analysis and Design of Work
    • Human Resource Planning and Recruitment
    • Selection and Placement
    • Training
    • Performance Management
    • Employee Development
    • Employee Separation and Retention
    • Pay Structure Decisions
    • Recognizing Employee Contributions with Pay
    • Employee Benefits
    • Collective Bargaining and Labor Relations
    • Managing Human Resources Globally
    • Strategically Managing the Human Resource Management Function

    Audience: Human Resource Professionals, Office Managers and Department Managers

  • Human Resource Management

    Human Resource Management course is ACE recommended for college credit transfer!

    The Human Resource Management course covers all aspects of human resource management and its impact on both individuals and organizations. The text builds on a foundation of research and theory but also provides a practical framework focusing on critical issues and successful practices.  Over 500 different organizations from a variety of settings are used as examples to illustrate key points and make the connection to HR practice. Important issues and critical trends are spotlighted in each chapter and reflected in the comprehensive and chapter ending cases included in the text. Managing Human Resources’ balance of theory and practice, hands-on activities, applications, and examples helps students develop the competencies to understand and help their organizations create a sustainable competitive advantage through people. 

    Textbook chapter topics include:

    • Human Resource Management: Gaining a Competitive Advantage
    • Strategic Human Resource Management
    • The Legal Environment: Equal Employment Opportunity and Safety
    • The Analysis and Design of Work
    • Human Resource Planning and Recruitment
    • Selection and Placement
    • Training
    • Performance Management
    • Employee Development
    • Employee Separation and Retention
    • Pay Structure Decisions
    • Recognizing Employee Contributions with Pay
    • Employee Benefits
    • Collective Bargaining and Labor Relations
    • Managing Human Resources Globally
    • Strategically Managing the Human Resource Management Function

    Audience: Human Resource Professionals, Office Managers and Department Managers

  • Human Resource Management

    Human Resource Management course is ACE recommended for college credit transfer!

    The Human Resource Management course covers all aspects of human resource management and its impact on both individuals and organizations. The text builds on a foundation of research and theory but also provides a practical framework focusing on critical issues and successful practices.  Over 500 different organizations from a variety of settings are used as examples to illustrate key points and make the connection to HR practice. Important issues and critical trends are spotlighted in each chapter and reflected in the comprehensive and chapter ending cases included in the text. Managing Human Resources’ balance of theory and practice, hands-on activities, applications, and examples helps students develop the competencies to understand and help their organizations create a sustainable competitive advantage through people. 

    Textbook chapter topics include:

    • Human Resource Management: Gaining a Competitive Advantage
    • Strategic Human Resource Management
    • The Legal Environment: Equal Employment Opportunity and Safety
    • The Analysis and Design of Work
    • Human Resource Planning and Recruitment
    • Selection and Placement
    • Training
    • Performance Management
    • Employee Development
    • Employee Separation and Retention
    • Pay Structure Decisions
    • Recognizing Employee Contributions with Pay
    • Employee Benefits
    • Collective Bargaining and Labor Relations
    • Managing Human Resources Globally
    • Strategically Managing the Human Resource Management Function

    Audience: Human Resource Professionals, Office Managers and Department Managers

  • Human Resource Management

    Human Resource Management course is ACE recommended for college credit transfer!

    The Human Resource Management course covers all aspects of human resource management and its impact on both individuals and organizations. The text builds on a foundation of research and theory but also provides a practical framework focusing on critical issues and successful practices.  Over 500 different organizations from a variety of settings are used as examples to illustrate key points and make the connection to HR practice. Important issues and critical trends are spotlighted in each chapter and reflected in the comprehensive and chapter ending cases included in the text. Managing Human Resources’ balance of theory and practice, hands-on activities, applications, and examples helps students develop the competencies to understand and help their organizations create a sustainable competitive advantage through people. 

    Textbook chapter topics include:

    • Human Resource Management: Gaining a Competitive Advantage
    • Strategic Human Resource Management
    • The Legal Environment: Equal Employment Opportunity and Safety
    • The Analysis and Design of Work
    • Human Resource Planning and Recruitment
    • Selection and Placement
    • Training
    • Performance Management
    • Employee Development
    • Employee Separation and Retention
    • Pay Structure Decisions
    • Recognizing Employee Contributions with Pay
    • Employee Benefits
    • Collective Bargaining and Labor Relations
    • Managing Human Resources Globally
    • Strategically Managing the Human Resource Management Function

    Audience: Human Resource Professionals, Office Managers and Department Managers

  • Human Resource Management

    The Human Resource Management course covers all aspects of human resource management and its impact on both individuals and organizations. The text builds on a foundation of research and theory but also provides a practical framework focusing on critical issues and successful practices.  Over 500 different organizations from a variety of settings are used as examples to illustrate key points and make the connection to HR practice. Important issues and critical trends are spotlighted in each chapter and reflected in the comprehensive and chapter ending cases included in the text. Managing Human Resources’ balance of theory and practice, hands-on activities, applications, and examples helps students develop the competencies to understand and help their organizations create a sustainable competitive advantage through people.

    Textbook chapter topics include:

    • Human Resource Management: Gaining a Competitive Advantage
    • Strategic Human Resource Management
    • The Legal Environment: Equal Employment Opportunity and Safety
    • The Analysis and Design of Work
    • Human Resource Planning and Recruitment
    • Selection and Placement
    • Training
    • Performance Management
    • Employee Development
    • Employee Separation and Retention
    • Pay Structure Decisions
    • Recognizing Employee Contributions with Pay
    • Employee Benefits
    • Collective Bargaining and Labor Relations
    • Managing Human Resources Globally
    • Strategically Managing the Human Resource Management – Function

    Audience: Human Resource Professionals, Office Managers and Department Managers

  • Human Resource Management

    The Human Resource Management course covers all aspects of human resource management and its impact on both individuals and organizations. The text builds on a foundation of research and theory but also provides a practical framework focusing on critical issues and successful practices.  Over 500 different organizations from a variety of settings are used as examples to illustrate key points and make the connection to HR practice. Important issues and critical trends are spotlighted in each chapter and reflected in the comprehensive and chapter ending cases included in the text. Managing Human Resources’ balance of theory and practice, hands-on activities, applications, and examples helps students develop the competencies to understand and help their organizations create a sustainable competitive advantage through people. 

    Textbook chapter topics include:

    • Human Resource Management: Gaining a Competitive Advantage
    • Strategic Human Resource Management
    • The Legal Environment: Equal Employment Opportunity and Safety
    • The Analysis and Design of Work
    • Human Resource Planning and Recruitment
    • Selection and Placement
    • Training
    • Performance Management
    • Employee Development
    • Employee Separation and Retention
    • Pay Structure Decisions
    • Recognizing Employee Contributions with Pay
    • Employee Benefits
    • Collective Bargaining and Labor Relations
    • Managing Human Resources Globally

    Audience: Human Resource Professionals, Office Managers and Department Managers

  • Human Resource Management

    Human Resource Management course is ACE recommended for college credit transfer!

    The Human Resource Management course covers all aspects of human resource management and its impact on both individuals and organizations. The text builds on a foundation of research and theory but also provides a practical framework focusing on critical issues and successful practices.  Over 500 different organizations from a variety of settings are used as examples to illustrate key points and make the connection to HR practice. Important issues and critical trends are spotlighted in each chapter and reflected in the comprehensive and chapter ending cases included in the text. Managing Human Resources’ balance of theory and practice, hands-on activities, applications, and examples helps students develop the competencies to understand and help their organizations create a sustainable competitive advantage through people. 

    Textbook chapter topics include:

    • Human Resource Management: Gaining a Competitive Advantage
    • Strategic Human Resource Management
    • The Legal Environment: Equal Employment Opportunity and Safety
    • The Analysis and Design of Work
    • Human Resource Planning and Recruitment
    • Selection and Placement
    • Training
    • Performance Management
    • Employee Development
    • Employee Separation and Retention
    • Pay Structure Decisions
    • Recognizing Employee Contributions with Pay
    • Employee Benefits
    • Collective Bargaining and Labor Relations
    • Managing Human Resources Globally
    • Strategically Managing the Human Resource Management Function

    Audience: Human Resource Professionals, Office Managers and Department Managers

  • Human Resource Selection

    The Human Resource Selection course offers advanced treatment of the technical issues involved in developing and implementing selection programs within organizations. This course provides up-to-date research and applications for those already working in selection and provides current examples and exhibits. Human Resource Selection covers legal, global and ethical concerns, psychometric measurement concepts, job analysis, predictors of job performance and criteria measures.

    Topics include:

    • Introduction to Selection
    • Legal Issues in Selection
    • Human Resource Measurement in Selection
    • Reliability of Selection Measures
    • Validity of Selection Measures
    • Strategies for Selection Decision Making
    • Job Analysis in Human Resource Selection
    • Incorporating Job Analysis Results in Selection Measures
    • Application Forms, Training and Experience Evaluations, and Reference Checks
    • Weighted Application Blanks and Biographical Data
    • The Selection Interview
    • Ability Tests
    • Personality Assessment
    • Performance Tests and Assessment Centers
    • Integrity Testing, Drug Testing, and Graphology
    • Measures of Job Performance

    Audience: Those working in Human Resources or who are heavily involved in the hiring process

  • Human Trafficking and Human Smuggling

    Human trafficking and human smuggling are two of the fastest growing areas of international criminal activity, and often involve illicit banking activity. Learn the key differences between human trafficking and human smuggling, what these crimes involve, and how bankers can help detect possible criminal activity and report it to the proper authorities.

    What You’ll Learn

    After completing this course, students will be able to:

    • Explain the crimes of human trafficking and human smuggling
    • Describe the difference between human trafficking and human smuggling
    • Recognize possible red flags that could indicate human trafficking or human smuggling
    • Identify possible financial and behavioral indicators of human trafficking and human smuggling
    • Explain what you and your bank can do to help fight against human trafficking and human smuggling.

    Audience: Branch staff and back office employees

  • Importance of Proper Titling of Assets and Regular Titling Reviews

    Provides a foundation for understanding the importance of proper titling of assets. Explores common asset titling constructs and their legal consequences as well as ramifications for inaccurate or outdated asset titling within an estate plan.

    What You’ll Learn

    After completing this course, students will be able to:

    • Describe the importance of proper titling of assets
    • Explain the impact of titling on different asset types 
    • Explain asset titling within an estate planning context
    • Explain legal and tax implications of improper titling 
    • Describe common asset titling mistakes
    • Identify steps to ensure the proper titling of assets

    Audience: Client-facing relationship managers (wealth advisors, fiduciary advisors, portfolio managers, bankers, planners) who want to raise their client engagement acumen

  • Improving Productivity

    Provides the main elements of productivity, and the guidelines on how to evaluate and improve productivity in the workplace. This course explains how to consistently and systematically apply a six-step process to resolving productivity problems in the work environment. It begins the process by carefully investigating what events, processes, or procedures lead to the problem. This course explains how to look for opportunities to improve the end result. It focuses on the value of work groups in the process, and what needs to be done to resolve problems and enhance current productivity levels.

    What You’ll Learn

    After completing this course, students will be able to:

    • Describe the manager’s role in productivity challenges for banks
    • Identify the three elements of productivity
    • Pinpoint the production problems in everyday scenarios
    • Identify obstacles that are keeping work groups from reaching optimal performance levels
    • Determine the best method to identify potential productivity obstacles through the use of interviewing, fishbone diagrams and flow charts
    • Use rating, ranking and matrix screening methods for evaluating productivity solutions
    • Describe the steps for implementing productivity solutions

    Audience: Any employee that leads a work team on a full or part-time basis. ?

  • Incident Management and Resilience

    Provides an overview of the risk considerations related to an organization’s ability to plan for and recover from events that could have negative effects on its ability to continue offering products and services. Also includes a perspective on the current regulatory expectations.

    What You’ll Learn

    After successfully completing this course, you will be able to:

    • Identify the scope of an Incident Management and Resilience program
    • Explain the current regulatory environment
    • Describe roles and responsibilities across the organization
    • How to assess and prioritize risks
    • How to develop and test a continuity plan

    Audience: Risk and internal audit professionals; third-party service providers and state/federal examiners; first-line risk and operations managers with responsibilities for operational risk management, including implementing, managing, monitoring, reporting, auditing and/or supporting an effective operational risk management program, policies and procedures.

  • Indirect Lending: Improving and Strengthening Controls

    Growing loan portfolios continues to be a major challenge for credit unions. For credit unions with an indirect loan program, the higher risk for indirect loans continues to present challenges to that require a greater degree of control, monitoring and oversight than ever before.

    Covered Topics:
    -The controls needed for indirect loan programs today.
    -The adequacy criteria for the oversight of credit union indirect loan programs.
    -How to improve and strengthen controls over indirect loan programs by more effective identification of the risks for indirect lending.
    -Categories of indirect lending controls.
    -Controls necessary for “in-house” and “third-party” indirect lending.
    -Specific indirect lending tools and reports needed for every indirect loan program.
    -Validating the controls over the indirect loan program.
    -Controls over indirect loan “power-booking”.
    -CFPB’s indirect loan control perspectives.
    -And more!
    Do you have the controls in place to adequately monitor your indirect loan program?

    Audience: Vice Presidents of Lending and other Senior Lending Management, Indirect lending Management, Indirect Loan Officers and other Indirect Lending Personnel, Consumer Lending Management and Consumer Lending Loan Officers and other Consumer Lending Personnel, Internal Auditors and other Audit Personnel will benefit from attending this webinar.

  • Individual Income Tax

    Explains rules for calculating the taxable income computation, using expenses as deductions regarding taxable income, and how to compute alternative minimum tax. Examines tax considerations with capital gains and losses and examples of exclusions from gross income. Describes the benefits of gifting and how to treat passive activity tax situations. Explains the advantages of tax credits, how estimated tax is calculated, and considerations for a decedent’s final tax return.

    What You’ll Learn

    After completing this course, students will be able to:

    • Explain the components associated with computing income tax
    • Define gross income
    • Describe gifting techniques used to avoid or minimize income tax
    • Identify the tax-saving planning options available for your clients

    Audience: Trust officers with at least three years of personal trust experience who need a deeper understanding of technical trust concepts and how solutions work when applied to client needs.

  • Industry Analysis

    ƒ?› An in-depth analysis of the symbiotic relationship between the industry and the business risk
    ƒ?› An in-depth review of cyclical and seasonal industries
    ƒ?› Review the top four industries in South Florida

    Audience: Commercial and/or business bankers and credit analysts

  • Industry Analysis

    ƒ?› An in-depth analysis of the symbiotic relationship between the industry and the business risk
    ƒ?› An in-depth review of cyclical and seasonal industries
    ƒ?› Review the top four industries in South Florida
    ƒ?› Review and understand Country Risk Analysis

    Audience: Commercial and/or business bankers and credit analysts

  • Information Security and Red Flags

    Explains how to protect identifiable information from unauthorized access through cybersecurity attacks. Explains how banks can ensure secure remote access is controlled and enforced, and ways to handle information security breaches. Provides approaches to avoid falling victim to social engineering and identity theft.

    What You’ll Learn

    After completing this course, students will be able to:

    • Describe the intent of information security laws and types of protected information
    • Describe guidelines for protecting information through security measures
    • Recognize identity theft and develop an identity theft program

    Audience: All bank employees.

  • Interacting with Financial Advisors - Internal and Third-Party Broker Dealers

    This course identifies how bank fiduciary advisors can collaborate with financial advisors to better serve their clients’ needs.

    What You’ll Learn

    After completing this course, students will be able to:

    • Explain how bank advisors collaborate with internal and outside financial advisors to benefit clients
    • Explore five categories of issues that arise between multiple advisors 
    • Examine disarming techniques that mitigate competitive concerns to foster collaborative advisor relationships
    • Describe different approaches to resolve conflicts and preserve working relationships with advisors

    Audience: Client-facing relationship managers (fiduciary advisors, portfolio managers, bankers, planners) who want to raise their client engagement acumen.

  • Intermediate Microsoft Excel 2010

    Course Description
    Take your Excel skills to the next level! Master charting, PivotTables, Slicers, Sparklines, and other advanced features of Microsoft Excel 2010, and discover how this powerful MS Office program can boost your productivity. In these hands-on lessons, you’ll learn how to create informative, eye-catching charts and harness the power of Excel’s data analysis and filtering tools. In addition, you’ll find out how easy it is to create macros that let you manipulate data with the push of a button. You’ll also discover how to use Goal Seek and Solver and apply them to real-world problems. And you’ll set yourself apart from the casual Excel user by adding VLOOKUP, INDEX & MATCH, and Excel’s other time-saving functions to your repertoire.

    Course Details
    A new section of each course starts monthly. All courses run for six weeks, with a two-week grace period at the end. Two lessons are released each week for the six-week duration of the course. You do not have to be present when lessons are released. You will have access to all lessons until the course ends. ***

    Special Instructions
    This is an online class. Once you have successfully registered and paid, you will receive an e-mail within 72 hours with the necessary login information to start your online course.

    Audience: Anyone

  • Intermediate Microsoft Excel 2013

    Course Description
    Take your Excel skills to the next level! Master charting, PivotTables, Slicers, Sparklines, and other advanced features of Microsoft Excel 2013, and discover how this powerful MS Office program can boost your productivity. In these hands-on lessons, you’ll learn how to create informative, eye-catching charts and graphs and harness the power of Excel’s data analysis tools and AutoFilter commands. In addition, you’ll find out how easy it is to create macros that let you manipulate data with the push of a button. You’ll also discover how to use Goal Seek and Solver and apply them to real-world problems. And you’ll set yourself apart from the casual Excel user by adding VLOOKUP, INDEX & MATCH, and Excel’s other time-saving functions to your repertoire.

    Course Details
    A new section of each course starts monthly. All courses run for six weeks, with a two-week grace period at the end. Two lessons are released each week for the six-week duration of the course. You do not have to be present when lessons are released. You will have access to all lessons until the course ends.

    Course Requirements
    ƒ?› Internet access
    ƒ?› Email
    ƒ?› One of the following browsers: Mozilla Firefox, Microsoft Internet Explorer (9.0 or above), Google Chrome, Safari
    ƒ?› Adobe PDF plug-in (a free download obtained at Adobe.com.)

    Microsoft Windows 7 or Microsoft Windows 8; Microsoft Excel 2013 or Microsoft Office 2013 are all acceptable and need to be installed on your computer before the course begins.

    Special Instructions
    This course is suitable for Macintosh users who are using the Office 365 Home Premium subscription service. This course is not suitable for Macintosh users who are using the Office Mac Home versions or for users of older versions of Microsoft Excel. “Starter Version” and “Web App” versions of Microsoft Excel 2013 will not work with the full version of Excel taught in this course.

    Audience: Anyone

  • Intermediate Microsoft Excel 2016

    Take your Excel skills to the next level! Master charting, PivotTables, Slicers, Sparklines, and other advanced features of Microsoft Excel 2016, and discover how this powerful MS Office program can boost your productivity. In these hands-on lessons, you’ll learn how to create informative, eye-catching charts and graphs, and harness the power of Excel’s data analysis tools and AutoFilter commands. In addition, you’ll find out how easy it is to create macros that let you manipulate data with the push of a button. You’ll also discover how to use Goal Seek and Solver and apply them to real-world problems. And you’ll set yourself apart from the casual Excel user by adding VLOOKUP, INDEX & MATCH, and Excel’s other time-saving functions to your repertoire. So get ready for six fun, action-packed weeks that will make you an Excel expert!

    Audience: Anyone

  • Intermediate Microsoft Word 2016

    Course Description
    Go beyond the basics of word processing and master the more advanced features of Microsoft Word 2016 (now available through Office 365). In this course, you’ll learn how to automate Word 2016 using shortcuts to help you write more while typing less. From signs, newsletters, and greeting cards to long documents, you’ll learn how to create whatever you needƒ??quickly and with professional-looking results. We’ll go through tips for automating Word using macros, shortcut keys, and templates so you can create even the most complex formatted documents quickly and easily. You’ll also learn how to create and organize text in tables, mix graphics and text together to turn Word into a simple desktop publishing program, and merge spreadsheet and database data to create mailing labels and form letters. Along the way, we’ll go through lots of examples and exercises so you can see how Word’s advanced features work; but more importantly, you’ll see how you can use these advanced features at home and on the job. By the end of this course, you’ll know how to use Word more effectively and take advantage of all its many features so you can get your work done more quickly and more easily than you ever thought possible.

    This is an online class. Once you have successfully registered and paid, you will receive an e-mail within 72 hours with the necessary login information to start your online course.

    Audience: Anyone

  • International Financial Management

    The International Financial Management course is based on two distinct parts: emphasis on the basics and emphasis on a managerial perspective. As capital markets of the world become more integrated, a solid understanding of international finance has become essential for astute corporate decision making. International Financial Management provides students with a foundation for analysis that will serve them well in their careers ahead. The decision-making process is presented through the text with the goal of teaching students how to make informed managerial decisions in an evolving global financial landscape. 

    Topics include:

    • Foreign Exchange and Management
    • World Financial Markets and Institutions
    • Financial Management of the Multinational Firm
    • Foundations of International Financial Management
    • The Foreign Exchange Market
    • Exchange Rate Determination
    • Currency Derivatives
    • Foreign Exchange Exposure and Management

    Audience: Recommended for those in a management trainee program or existing managers

  • Interviewing

    Guides you through methods for conducting an effective interview. Learn how to quickly identify job requirements and skills. Discover various types of interview questions to ask and listening techniques to use. Ensure your interviewing follows legal guidelines, and helps you make fair hiring decisions. 

    What You’ll Learn

    After successfully completing the course, you will be able to:

    • Prepare for and initiate the interview
    • Ask the appropriate questions in the interview
    • Use the appropriate interview closing
    • Assess candidates objectively

    Audience: For Management and Leadership Skills. Any supervisor or manager who participates in the position analysis and selection of hiring of employees.

  • Interviewing and Hiring Techniques

    The workforce today is made up of more diverse groups than ever before.  With so many applicants to choose from, hiring managers are challenged to select the best people for their job openings.  Interviewing & Hiring Techniques will provide tips on evaluating cover letters and resumes as well as pointers for conducting the all-important interview.  Other hiring considerations, such as testing and reference checking, are also covered.  Perhaps as important as learning about these steps, is understanding the changes that shape today’s workplace.  Accommodating diversity and using email and the Internet to accept and respond to electronic applications are some of the topics covered in this course.

    Topics include:

    • What are you Looking For?
    • The Legal Side of Hiring
    • Reviewing Resumes and Applications
    • Interviewing Effectively
    • Testing
    • Conducting Reference Checks
    • Decision Making and Offers

    Audience: Anyone involved in the hiring process

  • Introduction to ACH

    Attend this webinar to understand who the participants are in ACH and what their warrantees are. This webinar is designed as an introduction to ACH processing. You will gain a broad understanding of the Automated Clearing House (ACH) Network and the processes the network follows. This is an excellent class for new operations staff and others in the bank that just want to understand ACH.

    Covered Topics
    This webinar will provide you with:

    -Knowledge of how the ACH payment system works
    -An understanding of commonly-used ACH acronyms and terminology
    -Examples of the primary participants in the ACH system
    -An overview of the responsibilities of the participants
    -An awareness of the different types of ACH entries

    Audience: Back office operations, compliance officers, auditors, branch managers, Treasury/cash management professionals, frontline staff and customer service representatives.

  • Introduction to Agricultural Lending

    The Introduction to Agricultural Lending course has been designed to provide students with a basic overview of the agricultural lending function. Updated to reflect the current challenges facing agricultural lenders, this course will help students have a fundamental understanding of the role of agriculture and agricultural lending in the financial services industry.

    Produced by the Schools of Banking, Inc., a jointly-owned subsidiary of the Kansas and Nebraska Bankers Associations.

    Learning Objectives

    • Gain an understanding of the impact of the Farm Financial Standards Council recommendations on agriculture lending, including recommended key financial statements
    • Understand how to calculate deferred taxes, and the impact of such taxes on agriculture financial analysis and lender decisions
    • Understand the differences between cash and accrual income statements, and begin developing a working knowledge of accrual income statements and their place in proper financial analysis and lender decision making
    • Understand the role of cash flow analysis in in making agricultural lending decisions, and begin developing a working knowledge of the “Sweet Sixteen” ratios, specifically: Repayment, Liquidity and Solvency Analysis
    • Develop an appreciation for the purpose of loan policy, including an overview of loan structure and its relationship to problem loans as well as problem loan workout.

    Audience: Those new to agricultural lending or with limited experience

  • Introduction to Agricultural Lending

    The Introduction to Agricultural Lending course has been designed to provide students with a basic overview of the agricultural lending function. Updated to reflect the current challenges facing agricultural lenders, this course will help students have a fundamental understanding of the role of agriculture and agricultural lending in the financial services industry.

    Produced by the Schools of Banking, Inc., a jointly-owned subsidiary of the Kansas and Nebraska Bankers Associations.

    Learning Objectives

    • Gain an understanding of the impact of the Farm Financial Standards Council recommendations on agriculture lending, including recommended key financial statements
    • Understand how to calculate deferred taxes, and the impact of such taxes on agriculture financial analysis and lender decisions
    • Understand the differences between cash and accrual income statements, and begin developing a working knowledge of accrual income statements and their place in proper financial analysis and lender decision making
    • Understand the role of cash flow analysis in in making agricultural lending decisions, and begin developing a working knowledge of the “Sweet Sixteen” ratios, specifically: Repayment, Liquidity and Solvency Analysis
    • Develop an appreciation for the purpose of loan policy, including an overview of loan structure and its relationship to problem loans as well as problem loan workout.

    Audience: Those new to agricultural lending or with limited experience

  • Introduction to Agricultural Lending

    The Introduction to Agricultural Lending course has been designed to provide students with a basic overview of the agricultural lending function. Updated to reflect the current challenges facing agricultural lenders, this course will help students have a fundamental understanding of the role of agriculture and agricultural lending in the financial services industry.

    Produced by the Schools of Banking, Inc., a jointly-owned subsidiary of the Kansas and Nebraska Bankers Associations.

    Learning Objectives

    • Gain an understanding of the impact of the Farm Financial Standards Council recommendations on agriculture lending, including recommended key financial statements
    • Understand how to calculate deferred taxes, and the impact of such taxes on agriculture financial analysis and lender decisions
    • Understand the differences between cash and accrual income statements, and begin developing a working knowledge of accrual income statements and their place in proper financial analysis and lender decision making
    • Understand the role of cash flow analysis in in making agricultural lending decisions, and begin developing a working knowledge of the “Sweet Sixteen” ratios, specifically: Repayment, Liquidity and Solvency Analysis
    • Develop an appreciation for the purpose of loan policy, including an overview of loan structure and its relationship to problem loans as well as problem loan workout.

    Audience: Those new to agricultural lending or with limited experience

  • Introduction to Analyzing Financial Statements

    Reviews terms and steps associated with analyzing financial statements. Explains how tax returns report income and expenses from another perspective. Examines the computation and meaning of four categories of financial ratios and how ratios are used to spot significant trends. 

    What You’ll Learn

    After successfully completing this course, you will be able to:

    • Define financial statement analysis and explain its importance in the small business lending process
    • List the basic steps of financial statement analysis and the purpose of each step
    • Analyze an income statement and balance sheet
    • Explain how tax returns are used in the lending process
    • Calculate and interpret key ratios
    • Perform a simple cash flow analysis

    Audience: Bank personnel who are responsible for reviewing financial statements for the purpose of assisting in making lending decisions, monitoring the ongoing health of the business, or conducting the initial financial analysis.

  • Introduction to Analyzing Financial Statements

    **E-book included in tuition fee**

    Reviews terms and steps associated with analyzing financial statements. Explains how tax returns report income and expenses from another perspective. Examines the computation and meaning of four categories of financial ratios and how ratios are used to spot significant trends. 

    What You’ll Learn

    After successfully completing this course, you will be able to:

    • Define financial statement analysis and explain its importance in the small business lending process
    • List the basic steps of financial statement analysis and the purpose of each step
    • Analyze an income statement and balance sheet
    • Explain how tax returns are used in the lending process
    • Calculate and interpret key ratios
    • Perform a simple cash flow analysis

    Audience: Bank personnel who are responsible for reviewing financial statements for the purpose of assisting in making lending decisions, monitoring the ongoing health of the business, or conducting the initial financial analysis.

  • Introduction to Banking

    Guides you through the role banks play in the community. Discover various banking career tracks and become inspired to grow your banking career.

    What You’ll Learn

    After successfully completing the course, you will be able to:

    • Identify the role of bank employees
    • Discover how banks serve their customer needs
    • Understand the role of banks in their communities

    Audience: For Onboarding. Anyone who needs an introduction to banking, whether just starting a career in the industry or a more experienced professional from a different industry, including specialists in non-banking functions such as marketing, information systems, and human resources.

  • Introduction to Compliance for Tellers

    Gain a better understanding of tellersƒ?? compliance responsibilities, and the specific regulations that apply to each job function. Please note: Our assumption for this training is that tellers handle typical window transactions, such as deposits, withdrawals, receiving payments on loan accounts, account transfers, selling cashierƒ??s and tellerƒ??s checks and assisting with balance inquiries.

    Audience: n/a

  • Introduction to Credit and Regulatory Risk Analysis for Lending and Compliance Professionals - NEW

    This workshop provides an analytical framework for credit decisions with an emphasis on analyzing the BSA/AML/Patriot Act compliance risk exposure of business customers.

    The workshop will use core credit analysis, due diligence, and techniques to understand industry factors, business operations, management and ownership structures, as well as bank products that pose BSA/AML/Patriot Act compliance risks to the Bank. It will enable participants to interpret higher risk situations by applying compliance due diligence and analytical techniques in the sales/credit process.

    This workshop is designed for the business development, sales/lending, and compliance professionals:

    – Sales/Lending professionals will be able to identify, interpret and apply due diligence and analytical techniques in connection with BSA/AML/Patriot Act risks as part of the credit decision.
    – Compliance professionals will understand core credit analysis principles and the due diligence and analytical techniques used in the credit decision to better manage compliance risk matters.

    Heightened regulatory scrutiny on the industry requires banks to be even more diligent and BSA/AML/Patriot Act compliance efforts must be integrated throughout all levels of the organization (sales and compliance) and share responsibility for execution.

    Audience: n/a

  • Introduction to Credit and Regulatory Risk Analysis for Lending and Compliance Professionals - NEW

    This workshop provides an analytical framework for credit decisions with an emphasis on analyzing the BSA/AML/Patriot Act compliance risk exposure of business customers.

    The workshop will use core credit analysis, due diligence, and techniques to understand industry factors, business operations, management and ownership structures, as well as bank products that pose BSA/AML/Patriot Act compliance risks to the Bank. It will enable participants to interpret higher risk situations by applying compliance due diligence and analytical techniques in the sales/credit process.

    This workshop is designed for the business development, sales/lending, and compliance professionals:

    – Sales/Lending professionals will be able to identify, interpret and apply due diligence and analytical techniques in connection with BSA/AML/Patriot Act risks as part of the credit decision.
    – Compliance professionals will understand core credit analysis principles and the due diligence and analytical techniques used in the credit decision to better manage compliance risk matters.

    Heightened regulatory scrutiny on the industry requires banks to be even more diligent and BSA/AML/Patriot Act compliance efforts must be integrated throughout all levels of the organization (sales and compliance) and share responsibility for execution.

    Audience: n/a

  • Introduction to Credit Card Regulations

    The laws and regulations that govern the financial services industry today were enacted in response to economic and banking crises, public pressure and the development of new products and technologies. Gain a better understanding of federal credit card laws and regulations.

    Audience: n/a

  • Introduction to Credit Risk Management

    Defines the broad spectrum of conventional credit risk exposures for a bank and applies ERM taxonomy and concepts to the world of credit risk.

    What You’ll Learn

    After successfully completing the course, you will be able to:

    • Describe the inherent exposure banks have to credit risk, including level 1 and level 2 credit risk categories
    • Identify factors to consider in assessing inherent risk
    • Identify factors to consider when assessing the adequacy of credit risk management systems
    • Describe considerations for documenting residual risk and quantitative and qualitative information to consider when assessing risk trend
    • Describe typical governance structures and the objectives of the loan review function in a bank
    • Describe fundamental accounting concepts related to credit risk measurement practices

    Audience: Risk management and control professionals in first, second or third line functions with primary responsibilities including monitoring and risk reporting of loan portfolios, underwriting, stress testing, audit or governance across credit risk or financial risk categories. Directors, members of senior management, State/Federal bank examiners, external risk consultants or auditors.

  • Introduction to Enterprise Risk Management

    Examines ERM program dimensions, standard components, purposes and benefits, and the concepts of risk tolerance and escalation. Explains pre-ERM and post-ERM limit structures and measures and various frameworks that institutions and professional organizations have developed.

    What You’ll Learn

    After successfully completing this course, you will be able to:

    • Describe the importance and evolution the ERM program
    • Identify the five purposes of an ERM program
    • Compare pre-ERM and post-ERM limit structures and measures
    • Know the key components of an effective ERM program

    Audience: Risk management and control professionals in the first, second or third line functions with primary responsibilities including risk assessment, risk testing, measurement and monitoring, risk reporting, audit, or governance across credit risk, financial and/or non-financial risk categories. Directors, members of senior management, State/Federal bank examiners, external risk consultants or auditors.

  • Introduction to Estate Planning

    Covers tax implications for grantor and charitable trusts and the concepts of gift, estate, and generation-skipping transfer taxes. Presents special rules for taxes, ways to minimize taxes, and how to calculate gift and estate taxes. Explains advantages and disadvantages of making lifetime gifts, and estate planning with the marital deduction. 

    What You’ll Learn

    After completing this course, students will be able to:

    • Define basic terms
    • Explain how trusts are taxed
    • Minimize transfer taxes
    • Calculate gift and estate taxes
    • Describe why estate planning is important
    • Identify considerations when developing an estate plan
    • Use the marital deduction to maximize estate planning

    Audience: Trust department and other bank staff who are new to the trust business and want to develop a basic working knowledge of trust administration. No prior knowledge of the subject is required.

  • Introduction to Fiduciary Risk Management and Compliance

    Fiduciary risk management and compliance requires due diligence and ongoing monitoring throughout the life of the relationship. This course provides a foundation in the regulations, bank policies and procedures and relationship management responsibilities that impact fiduciary risk management and compliance. 

    What You’ll Learn

    After completing this course, students will be able to:

    • Describe the difference between risk management and compliance
    • Explain the effects of market, operational and reputational risks on fiduciaries
    • Describe the federal regulations that provide guiding principles for fiduciaries
    • Identify the regulatory agencies responsible for oversight of fiduciary risk management and compliance
    • Describe the three lines of defense in fiduciary risk management and compliance
    • Identify the responsibilities at each stage of the fiduciary risk management and compliance lifecycle

    Audience: Client-facing relationship managers (fiduciary advisors, portfolio managers, bankers, planners) who want to raise their client engagement acumen.

  • Introduction to Integrated Planning and Advice

    This course provides an overview of the advisor’s role in helping clients achieve their goals and objectives.

    What You’ll Learn

    After completing this course, students will be able to:

    • Explain the role of the wealth advisor in an integrated approach to planning and financial advice    
    • Identify the client characteristics for each stage in the financial lifecycle
    • Describe the client’s and advisor’s goals in each financial planning area
    • Explain the various steps in the financial planning process
    • Describe how to apply the planning process to each core financial planning area 

    Audience: Client-facing relationship managers (fiduciary advisors, portfolio managers, bankers, planners) who want to raise their client engagement acumen.

  • Introduction to Investment Management

    This course outlines the key components of investment management and provides a foundation for understanding the investment management process and basic trust concepts.

    What You’ll Learn

    After completing this course, students will be able to:

    • Describe activities that support each phase in the investment management process
    • Identify the components used to execute the investment management process

    Audience: Client-facing relationship managers (fiduciary advisors, portfolio managers, bankers, planners) who want to raise their client engagement acumen.

  • Introduction to IRAs

    Explores key concepts on basic IRA product features and benefits, contribution and distribution requirements. Explains traditional, rollover, and Roth IRAs, including the new conversion rules, as well as Simplified Employee Pension Plans and SIMPLE Retirement Accounts. Presents information about IRA tax benefits and penalty calculations.

    What You’ll Learn

    After completing this course, students will be able to:

    • Describe the types of Individual Retirement Accounts, including contribution rules:
      • Traditional IRAs
      • Roth IRAs
      • Rollover IRAs
      • SIMPLE IRAs and SIMPLE 401(k) plans
    • Explain the IRA withdrawal requirements

    Audience: All bank personnel who require a basic understanding of IRAs including experienced tellers and new accounts representatives, personal bankers, platform assistants, branch managers, trust administrators, and private bankers.

  • Introduction to Microsoft Excel 2010

    Course Description
    Do you work with numbers? Then you need to master Microsoft Excel 2010ƒ??and this is the place to do it. Even ƒ??non-techieƒ? beginners will find it easy to learn Excel in this fun, step-by-step online course. These lessons will teach you dozens of shortcuts and tricks for setting up fully formatted worksheets quickly and efficiently. You’ll also learn the secrets behind writing powerful mathematical formulas and discover how to use the function wizard to quickly and automatically calculate statistics, loan payments, future value, and more. In addition, you’ll get tips on sorting and analyzing data, designing custom charts and graphs, creating three-dimensional workbooks, building links between files, endowing your worksheets with decision-making capabilities, and automating frequently-repeated tasks with macros and buttons.

    Course Details
    Course starts once a month.

    Special Instructions
    This course is not suitable for Macintosh users, users of older versions of Microsoft Excel, or users of Open Office.

    This is an online class. Once you have successfully registered and paid, you will receive an e-mail within 72 hours with the necessary login information to start your online course

    Audience: Anyone

  • Introduction to Microsoft Excel 2013

    Pre-Requisites
    Note: This course is not suitable for Macintosh users, users of older versions of Microsoft Excel, or users of OpenOffice. “Starter Version” and “Web App” versions of Microsoft Excel 2013 will not work with the full version of Excel taught in this course.

    Course Description
    Do you work with numbers? Then you need to master Microsoft Excel 2013ƒ??and this is the place to do it. Even “non-techie” beginners will find it easy to learn Excel in this fun, step-by-step online course. These lessons will teach you dozens of shortcuts and tricks for setting up fully formatted worksheets quickly and efficiently. You’ll also learn the secrets behind writing powerful mathematical formulas and discover how to use the function wizard to quickly and automatically calculate statistics, loan payments, future value, and more. In addition, you’ll get tips on sorting and analyzing data, designing custom charts and graphs, creating three-dimensional workbooks, building links between files, endowing your worksheets with decision-making capabilities, and automating frequently-repeated tasks with macros and buttons. This informative course covers the new Quick Analysis, Flash Fill, and charting capabilities available in Excel 2013. By the time you’re done, you’ll be using this vital Office 2013 application like a pro.

    Course Details
    *A new section of each course starts monthly. All courses run for six weeks, with a two-week grace period at the end. Two lessons are released each week for the six-week duration of the course. You do not have to be present when lessons are released. You will have access to all lessons until the course ends.*

    Course Requirements
    Microsoft Windows 7 or Microsoft Windows 8; Microsoft Excel 2013 or Microsoft Office 2013 are acceptable.

    A free 30-day trial of Office 365 Home Premium may be available at (http://office.microsoft.com/en-us/try/). Then, a subscription can be purchased for as little as $9.99 per month. Please be sure to install the software on your computer before the course begins. You will need Internet access, e-mail, and the Microsoft Internet Explorer, Google Chrome, Safari, or Mozilla Firefox Web browser, and the Adobe Flash and PDF plug-ins (two free and simple downloads you obtain at http://www.adobe.com/downloads by clicking Get Adobe Flash Player and Get Adobe Reader).

    Audience: Anyone

  • Introduction to Microsoft Excel 2016

    Course Description
    Do you work with numbers? Then you need to master Microsoft Excel 2016 (now available through Office 365)ƒ??and this is the place to do it. Even “non-techie” beginners will find it easy to learn Excel in this fun, step-by-step online course. These lessons will teach you dozens of shortcuts and tricks for setting up fully formatted worksheets quickly and efficiently. You’ll also learn the secrets behind writing powerful mathematical formulas and discover how to use the function wizard to quickly and automatically calculate statistics, loan payments, future value, and more. In addition, you’ll get tips on sorting and analyzing data, designing custom charts and graphs, creating three-dimensional workbooks, building links between files, endowing your worksheets with decision-making capabilities, and automating frequently-repeated tasks with macros and buttons. This informative course covers Quick Analysis, Flash Fill, and powerful charting capabilities available in Excel 2016. This is not a tutorial, but an in-depth class where you’ll get training, help, and personal support from an experienced instructor as you’re learning Excel basics step-by-step. By the time you’re done, you’ll be using this vital Office 2016 tool like a pro.
    Special Instructions:
    This is an online class. Once you have successfully registered and paid, you will receive an e-mail within 72 hours with the necessary login information to start your online course.

    Audience: Anyone

  • Introduction to Microsoft Excel 2016

    Course Description
    Do you work with numbers? Then you need to master Microsoft Excel 2016 (now available through Office 365)ƒ??and this is the place to do it. Even “non-techie” beginners will find it easy to learn Excel in this fun, step-by-step online course. These lessons will teach you dozens of shortcuts and tricks for setting up fully formatted worksheets quickly and efficiently. You’ll also learn the secrets behind writing powerful mathematical formulas and discover how to use the function wizard to quickly and automatically calculate statistics, loan payments, future value, and more. In addition, you’ll get tips on sorting and analyzing data, designing custom charts and graphs, creating three-dimensional workbooks, building links between files, endowing your worksheets with decision-making capabilities, and automating frequently-repeated tasks with macros and buttons. This informative course covers Quick Analysis, Flash Fill, and powerful charting capabilities available in Excel 2016. This is not a tutorial, but an in-depth class where you’ll get training, help, and personal support from an experienced instructor as you’re learning Excel basics step-by-step. By the time you’re done, you’ll be using this vital Office 2016 tool like a pro.

    Audience: Anyone

  • Introduction to Microsoft PowerPoint 2010

    Course Description
    Take your PowerPoint presentations from ƒ??so-soƒ? to sensational! In these lessons, youƒ??ll learn how to use Microsoft PowerPoint 2010 to create professional-quality slide presentations that grab and hold your audienceƒ??s attention from start to finish. Whether youƒ??re a beginner or an experienced user, these lessons will teach you how to turn simple slides into a polished and exciting presentation that will make your message memorable. If you want to take your PowerPoint skills to a higher level, this is the course for you!

    Course Details
    A new section of each course starts monthly. All courses run for six weeks, with a two-week grace period at the end. Two lessons are released each week for the six-week duration of the course. You do not have to be present when lessons are released. You will have access to all lessons until the course ends.

    Special Instructions
    This is an online class. Once you have successfully registered and paid, you will receive an e-mail within 72 hours with the necessary login information to start your online course.

    Audience: Anyone

  • Introduction to Microsoft Powerpoint 2013

    Course Description
    Take your PowerPoint presentations from ordinary to extraordinary! In these lessons, you’ll learn how to use Microsoft PowerPoint 2013 or PowerPoint 365 to create professional-quality slide presentations that grab and hold your audience’s attention from start to finish. You’ll see how to plan a presentation for your audience, format it with themes and color, and use slide and layout masters to make global changes. You’ll embellish your slides with text and objects, including pictures, shapes, WordArt, and SmartArt, and learn to add multimedia effects to create animated presentations. And that’s just the start! With this PowerPoint training, you’ll explore the options on the PowerPoint Ribbon, including the new Online Pictures command, File menu options, and Backstage View, and you’ll learn how to print slides, handouts, and even an outline. And you’ll discover the best view for creating and editing your slides and running your presentations. You’ll have fun creating a PowerPoint photo album with your digital pictures, and become acquainted with OneDrive and PowerPoint Online to save, edit, and share your presentations online. Finally, you’ll add versatility to your PowerPoint skills as you learn how to use the new Share and Export commands to save presentations as PDF files, videos, and more. If you want to become a PowerPoint pro, this is the course for you!

    Course Details
    **A new session of each course starts monthly. All courses run for six weeks, with a two-week grace period at the end. Two lessons are released each week for the six-week duration of the course. You do not have to be present when lessons are released. You will have access to all lessons until the course ends.**

    Course Requirements
    ƒ?› Internet access
    ƒ?› Email
    ƒ?› One of the following browsers: Mozilla Firefox, Microsoft Internet Explorer (9.0 or above), Google Chrome, Safari
    ƒ?› Adobe PDF plug-in.

    Materials
    Microsoft PowerPoint 2013, Microsoft Office Home and Student 2013, or a subscription to Office 365 (software must be installed and fully operational before the course begins); Microsoft Windows 7, Windows 8, Windows Server 2008 R2, or Windows Server.

    Special Instructions
    Note: This course is not suitable for Macintosh users, or for users of any older versions of Microsoft PowerPoint.

    Audience: Anyone

  • Introduction to Microsoft Powerpoint 2016

    Course Description
    Take your PowerPoint presentations from ordinary to extraordinary! In these lessons, you’ll learn how to use Microsoft PowerPoint 2016 (now available through Office 365) to create professional-quality slide presentations that grab and hold your audience’s attention from start to finish. You’ll start by learning how to plan and create dazzling slide presentations using a variety of slide and layout masters that make global changes to your presentation in a snap. You’ll also see how to embellish your slides with pictures, shapes, WordArt, and SmartArt, as well as multimedia effects such as animations, slide transitions, audio, video, and text and object hyperlinks. And that’s just the start! You’ll explore the options on the PowerPoint Ribbon, including the new Tell Me feature (an enhanced Help feature) and Smart Lookup, which allows you to look up definitions of a word or phrase. You’ll explore the File menu options and Backstage View, and learn how to print slides, handouts, and even an outline. And you’ll discover the best view for creating and editing your slides and running your presentations, including how to use Reading View to proof your work. Finally, you’ll add versatility to your PowerPoint skills as you learn how to use the Share and Export commands to save presentations as PDF files, videos, and more.

    Special Instructions
    Note: This course is not suitable for Macintosh users, or for users of any older versions of Microsoft PowerPoint.

    Audience: Anyone

  • Introduction to Microsoft Word 2010

    Course Description
    Master the basics of the word processor PC Magazine ranked as one of the ƒ??strongest and most intelligent programs ever written.ƒ? In this hands-on workshop, youƒ??ll learn how to add, move through, and edit text; move words from one part of your document to another; work on two or more documents simultaneously; change the size or appearance of text; change margins and tab settings; automatically center, right align, justify, and indent text; run the integrated grammar and spelling checker; use the thesaurus; and save, retrieve, copy, organize, and print your documents. By the time youƒ??re done with the step-by-step lessons and hands-on activities in this course, youƒ??ll be able to use Word confidently at home or on the job.

    Special Instructions
    This course is not suitable for Macintosh users.

    This is an online class. Once you have successfully registered and paid, you will receive an e-mail within 72 hours with the necessary login information to start your online course.

    Audience: Anyone

  • Introduction to Microsoft Word 2013

    Course Description
    Knowing how to write reports and letters using Microsoft Word is a basic skill needed in nearly any job. In this course, you’ll master all the basics of Microsoft Word. You’ll learn how to add, move through, and edit text; move words from one part of your document to another; work on two or more documents simultaneously; change the size or appearance of text; change margins and tab settings; automatically center, right align, justify, and indent text; use tools such as the grammar checker, spell checker, and thesaurus; and save, retrieve, copy, organize, and print your documents. You’ll also learn dozens of different ways to modify the appearance and content of your documents by adjusting page margins, paragraph tab settings, and line spacing to create great-looking documents quickly and easily. By the time you’re done with the step-by-step lessons and hands-on activities in this course, you’ll be able to use Word confidently at home or on the job. *A new session of each course starts monthly. All courses run for six weeks, with a two-week grace period at the end. Two lessons are released each week for the six-week duration of the course. You do not have to be present when lessons are released. You will have access to all lessons until the course ends.*

    Course Details
    Note: This course is not suitable for Macintosh users.

    Course Requirements
    ƒ?› Internet access
    ƒ?› Email
    ƒ?› One of the following browsers: Mozilla Firefox, Microsoft Internet Explorer (9.0 or above), Google Chrome, Safari
    ƒ?› Adobe PDF plug-in (a free download obtained at Adobe.com.)

    Microsoft Word 2013 (software must be installed and fully operational before the course begins); Windows 7, Windows 8, Windows 8.1.

    Materials
    Microsoft Word 2013 (software must be installed and fully operational before the course begins)

    Audience: Anyone

  • Introduction to Microsoft Word 2016

    Course Description

    One of the most basic skills needed in any job is writing reports and letters using Microsoft Word 2016 (now available through Office 365). In this course, you’ll gain the foundational skills you need to make the most of this powerful program. Through hands-on instructions, you’ll learn how to add and edit text; move words from one part of your document to another; work on two or more documents simultaneously; and format your text. You’ll also see how to save, retrieve, copy, organize, and print your documents. You’ll learn dozens of ways to modify the appearance and content of your documents by adjusting page margins, paragraph tab settings, and line spacing to create great-looking documents quickly and easily. If you need to type foreign language characters or symbols, you can do that in Word too. By using Word’s spell and grammar checker, you can catch typos and grammatical mistakes before you print or share your document with others. You’ll also explore the program’s thesaurus feature, which can help you find exactly the right word. By the time you’re done with the step-by-step lessons and hands-on activities in this course, you’ll be able to use Word confidently at home or on the job.

    Special Instructions
    This is an online class. Once you have successfully registered and paid, you will receive an e-mail within 72 hours with the necessary login information to start your online course.

    Audience: Anyone

  • Introduction to Mortgage Lending

    Explore key elements in the mortgage lending industry. Course topics include the major mortgage financing programs and guidelines, construction lending and land development financing, the impact of regulations on the mortgage process; property appraisals review and types of mortgage fraud.

    Learning Objectives

    • Describe the basic principles involved in real estate investment and finance, including the business of construction and development lending
    • Describe the process of mortgage origination, processing, underwriting, closing, and servicing, including the federal laws that apply
    • Explain the various functions and responsibilities of mortgage origination and loan servicing departments
    • Describe mortgage financing programs and options
    • Explain applicable compliance laws and their impact on the mortgage process
    • Describe how a property appraisal is completed and how they are used in mortgage financing
    • Describe the basic principles involved in real estate investment and finance, including the business of construction and development lending
    • Describe the different forms of mortgage fraud and its impact on the industry and financing process

    Audience: Financial service professionals who want a broad overview of mortgage lending, including those who intend to pursue a career in mortgage lending (business development, underwriting, processing) or those individuals who recently joined a mortgage lending department.

  • Introduction to Mortgage Lending

    Explore key elements in the mortgage lending industry. Course topics include the major mortgage financing programs and guidelines, construction lending and land development financing, the impact of regulations on the mortgage process; property appraisals review and types of mortgage fraud.

    Learning Objectives

    • Describe the basic principles involved in real estate investment and finance, including the business of construction and development lending
    • Describe the process of mortgage origination, processing, underwriting, closing, and servicing, including the federal laws that apply
    • Explain the various functions and responsibilities of mortgage origination and loan servicing departments
    • Describe mortgage financing programs and options
    • Explain applicable compliance laws and their impact on the mortgage process
    • Describe how a property appraisal is completed and how they are used in mortgage financing
    • Describe the basic principles involved in real estate investment and finance, including the business of construction and development lending
    • Describe the different forms of mortgage fraud and its impact on the industry and financing process

    Audience: Financial service professionals who want a broad overview of mortgage lending, including those who intend to pursue a career in mortgage lending (business development, underwriting, processing) or those individuals who recently joined a mortgage lending department.

  • Introduction to Mortgage Lending

    Explore key elements in the mortgage lending industry. Course topics include the major mortgage financing programs and guidelines, construction lending and land development financing, the impact of regulations on the mortgage process; property appraisals review and types of mortgage fraud.

    Learning Objectives

    • Describe the basic principles involved in real estate investment and finance, including the business of construction and development lending
    • Describe the process of mortgage origination, processing, underwriting, closing, and servicing, including the federal laws that apply
    • Explain the various functions and responsibilities of mortgage origination and loan servicing departments
    • Describe mortgage financing programs and options
    • Explain applicable compliance laws and their impact on the mortgage process
    • Describe how a property appraisal is completed and how they are used in mortgage financing
    • Describe the basic principles involved in real estate investment and finance, including the business of construction and development lending
    • Describe the different forms of mortgage fraud and its impact on the industry and financing process

    Audience: Financial service professionals who want a broad overview of mortgage lending, including those who intend to pursue a career in mortgage lending (business development, underwriting, processing) or those individuals who recently joined a mortgage lending department.

  • Introduction to Trust Administration

    Explains the four key elements of trust administration. Explains the bank policy areas that guide trust administration: pre-acceptance, account acceptance, administration, and account termination. Explains trustee responsibilities in fulfilling the trust purpose in alignment with the trust document. Reviews fiduciary asset management responsibilities. Describes fiduciary requirements for the three primary regulatory account reviews.

    What You’ll Learn

    After completing this course, students will be able to:

    • Describe bank policy areas that guide trust administration
    • Explain trustee responsibilities in fulfilling the trust purpose in alignment with the trust document
    • Describe fiduciary asset management responsibilities
    • Describe fiduciary requirements for regulatory account reviews

    Audience: Trust department and other bank staff who are new to the trust business and want to develop a basic working knowledge of trust administration. No prior knowledge of the subject is required.

  • Introduction to Trust Products and Services

    Introduction to Trust Products and Services is one of two courses designed to provide basic skills and knowledge for understanding subject matter important to a trust professional.

    This course is the recommended prerequisite for Basic Administrative Duties of a Trustee.

    Learning Objectives

    This course develops knowledge pertaining to:

    • Types of assets how they are owned
    • Principles of estate planning and estate taxation
    • Personal agencies
    • Guardianships and advance directives

    Audience: Those employees who have recently joined the trust department in support positions, non-trust personnel within the bank who work with trust officers and trust clients, as well as employees of service providers to trust companies who want to develop a better understanding of their clients' business needs.

  • Introduction to Trust Products and Services

    Introduction to Trust Products and Services is one of two courses designed to provide basic skills and knowledge for understanding subject matter important to a trust professional.

    This course is the recommended prerequisite for Basic Administrative Duties of a Trustee.

    Learning Objectives

    This course develops knowledge pertaining to:

    • Types of assets how they are owned
    • Principles of estate planning and estate taxation
    • Personal agencies
    • Guardianships and advance directives

    Audience: Those employees who have recently joined the trust department in support positions, non-trust personnel within the bank who work with trust officers and trust clients, as well as employees of service providers to trust companies who want to develop a better understanding of their clients' business needs.

  • Introduction to Trust Products and Services

    Introduction to Trust Products and Services is one of two courses designed to provide basic skills and knowledge for understanding subject matter important to a trust professional.

    This course is the recommended prerequisite for Basic Administrative Duties of a Trustee.

    Learning Objectives
    This course develops knowledge pertaining to:

    -Types of assets how they are owned
    -Principles of estate planning and estate taxation
    -Personal agencies
    -Guardianships and advance directives

    Audience: Those employees who have recently joined the trust department in support positions, non-trust personnel within the bank who work with trust officers and trust clients, as well as employees of service providers to trust companies who want to develop a better understanding of their clients' business needs.

  • Introduction to Trust Products and Services

    Introduction to Trust Products and Services is one of two courses designed to provide basic skills and knowledge for understanding subject matter important to a trust professional.

    This course is the recommended prerequisite for Basic Administrative Duties of a Trustee.

    Learning Objectives
    This course develops knowledge pertaining to:

    -Types of assets how they are owned
    -Principles of estate planning and estate taxation
    -Personal agencies
    -Guardianships and advance directives

    Audience: Those employees who have recently joined the trust department in support positions, non-trust personnel within the bank who work with trust officers and trust clients, as well as employees of service providers to trust companies who want to develop a better understanding of their clients' business needs.

  • Investment Policy

    Explains the role of the investment policy statement (IPS) in the investment management process—the IPS answers questions about client objectives, return expectations, risk tolerance, time horizon, and portfolio allocation. Explains how investment constraints affect how a portfolio will be constructed and managed, and why they must be identified in the investment policy.

    What You’ll Learn

    After completing this course, students will be able to:

    • Describe investment policies
    • Describe common investment constraints

    Audience: Trust officers with at least three years of personal trust experience who need a deeper understanding of technical trust concepts and how solutions work when applied to client needs.

  • Investment Products

    Describes the types of liquid investment products. Identifies the characteristics of common stock and preferred stock. Explores the most common debt market instruments and how they differ in terms of risk, yield, maturity, and tax implications. Describes the advantages and disadvantages of mutual funds and exchange traded funds. Explores common types of alternative investment products. Explains the benefits and risks of non-U.S. investments.

    What You’ll Learn

    After completing this course, students will be able to:

    • Describe types of liquid investment products
    • Describe investment products commonly found in the equity market
    • Define investment products commonly found in the debt market
    • Describe alternative investment products
    • Recognize the characteristics of mutual funds and exchange traded funds
    • Identify benefits and risks of non-U.S. investments

    Audience: Trust officers with at least three years of personal trust experience who need a deeper understanding of technical trust concepts and how solutions work when applied to client needs.

  • Investment Strategies for Inherited Wealth

    Covers how to evaluate inheritors’ unique financial goals, legal structures, and assets in order to develop a holistic post-inheritance investment portfolio management strategy.

    What You’ll Learn

    After completing this course, students will be able to:

    • Identify the steps used to serve clients with inherited wealth
    • Recognize the distinct requirements that encompass inherited wealth
    • Explain the process used to assess the needs of inheritance recipients
    • Describe the investment allocation approach to integrate inherited wealth to an existing portfolio

    Audience: Client-facing relationship managers (wealth advisors, fiduciary advisors, portfolio managers, bankers, planners) who want to raise their client engagement acumen.

  • IRA Annual Update

    Well, the Congress in their usual last-minute Christmas gift in December of 2017 passed the “Tax Cuts and Jobs Act of 2017”. While they have spent most of the year ironing out what this all means, most of the expected IRA changes were not included in the final legislation. But, this year is not over. The IRS Cost of Living Adjustments are released in October 2018. And, you never know what the 2018 December surprise legislation will bring us. Because of these last minute changes, the annual IRA Update and Review Webinar is a “must attend”.

    Covered Topics
    Participants will get the answers to these and many more common questions.

    -What are the legislative updates for 2019?
    -Clarifying reporting of Qualified Charitable Distributions to the IRS and why they will become more prevalent over the next couple of years.
    -What are the mandatory notices and reporting to be distributed to IRA accountholders in January 2019?
    -What is the constant danger in confusing the “IRA direct transfers” terminology with “QP direct rollovers”?
    -Why are IRA accountholders getting so many unnecessary letters and bills from the IRS?

    Audience: IRA personnel in New Accounts, CDs, Trust, Investments and Savings Departments who are involved in the opening, selling, and administration of IRA accounts will benefit greatly from the thorough discussions of the more complicated aspects of the IRA and from the "Annual IRA Update and Review". A working knowledge of IRAs will help understand the more complicated areas of this Webinar.

  • IRA Audit

    Audience:

  • IRA Beneficiary Options

    Learn about the different IRA beneficiary rules, regulations and reporting requirements for traditional, SIMPLE and Roth IRAs. Note: This course presents aspects of federal law regarding death distributions to IRA beneficiaries. Individual states may have specific laws that affect IRA beneficiary distributions.
    Check with a tax or legal professional to see if your state has additional applicable laws.

    Audience: n/a

  • IRA Contributions

    Explore the regulations that govern IRA contributions including traditional and Roth IRA contributions, rollovers, transfers, excess contributions, re-characterizations and conversions. Note: This course does not discuss employer Simplified Employee Pension (SEP) plan contributions to an employeeƒ??s traditional IRA or employer Savings Incentive Match Plan for Employees of Small Employers (SIMPLE) IRA plan contributions to an employeeƒ??s SIMPLE IRA. You can learn more about these contributions in two other courses in this series, Simplified Employee Pension (SEP) Plans and SIMPLE IRA Basics. View the course descriptions on the following page.

    Audience: n/a

  • IRA Death Payments to Beneficiaries

    There is no topic that produces more questions than death payments to IRA beneficiaries ? whether it’s a spouse, individual nonspouse, revocable trust, irrevocable trust, entity or no beneficiary named. Then you have to throw in the factors of multiple beneficiaries, how old the owner is at death, who died before who, disclaimers?. It’s enough to make you crazy. In this 1.5 hour Webinar, we will focus on the answers to these questions in a nice, detailed format with examples and handouts to help facilitate your beneficiary payouts when an IRA owner dies.

    Covered Topics
    -What documents are we required to obtain when an IRA owner dies?
    -Whose responsibility is it to notify the beneficiaries?
    -What are the NINE biggest mistakes we make on beneficiary payouts ? including reporting pitfalls?
    -What payout options do beneficiaries have and what are the determining factors for each option?
    -What forms do we use to set up Inherited IRAs and how should they be titled?
    -Who do we pay out to when a trust or estate is named as beneficiary on an IRA?
    -What happens when a beneficiary wants to move their IRA from one institution to another?
    -How do we handle rollovers for beneficiaries of Qualified Employer Plans?
    As you can see, because this is such a complicated topic, it is necessary to break all this down in its own Webinar.

    You are encouraged to have your IRA forms available such as the IRA Distribution form, Beneficiary Election of Payment Form and Inherited IRA Application to reference during the session.

    Audience: This is a crucial Webinar for anyone even remotely involved in IRAs including, frontline, back office, call center, investment department, and trust department personnel will benefit greatly from the thorough discussions of death payments. The content is at the intermediate to advanced level with a minimum of two years' experience recommended. It is assumed that participants have a working knowledge of IRAs.

  • IRA Distributions

    Gain a better understanding of IRA distribution rules, beginning with basic IRA distribution information. Additional topics covered include distribution documentation and reporting, and the responsibilities of IRA owners and financial organizations serving as custodians or trustees. Note: This course examines distributions from traditional IRAs and Roth IRAs. The rules for Savings Incentive Match Plans for Employees of Small Employers (SIMPLE) IRA distributions essentially mirror the traditional IRA rules. Throughout the course, unless specifically noted, IRA means a traditional, Roth, or SIMPLE IRA.

    Audience: n/a

  • IRA Distributions and Beneficiaries

    Audience:

  • IRA Online Institute

    This course is a comprehensive, 12-week, web-based IRA training program developed and supported by Ascensus’ experienced instructors. This innovative training program teaches you in-depth, essential IRA information, and is the only approved online training program that prepares you to take the Certified IRA Services Professional exam. Extensive IRA reference materials, objective-based training methods, and practical applications of IRA rules create an effective learning environment.

    Students should expect to spend 15-20 hours a week completing the readings and assignments, depending on prior knowledge of IRAs.

    Produced by Ascensus

    Learning Objectives

    • Administer traditional and Roth IRAs, as well as SEP and SIMPLE plans
    • Identify eligibility requirements, handle contributions, distributions and set-up requirements for traditional and Roth IRAs, as well as SEP and SIMPLE plans
    • Understand and manage rollovers, transfers and required minimum distributions
    • Describe beneficiary options and facilitate beneficiary transactions

    Audience: This course is intended for IRA Services Professionals with one to two years’ experience or for those preparing for the CISP exam.

  • IRA Online Institute

    This course is a comprehensive, 12-week, web-based IRA training program developed and supported by Ascensus’ experienced instructors. This innovative training program teaches you in-depth, essential IRA information, and is the only approved online training program that prepares you to take the Certified IRA Services Professional exam. Extensive IRA reference materials, objective-based training methods, and practical applications of IRA rules create an effective learning environment.

    Students should expect to spend 15-20 hours a week completing the readings and assignments, depending on prior knowledge of IRAs.

    Produced by Ascensus

    Learning Objectives

    • Administer traditional and Roth IRAs, as well as SEP and SIMPLE plans
    • Identify eligibility requirements, handle contributions, distributions and set-up requirements for traditional and Roth IRAs, as well as SEP and SIMPLE plans
    • Understand and manage rollovers, transfers and required minimum distributions
    • Describe beneficiary options and facilitate beneficiary transactions

    Audience: This course is intended for IRA Services Professionals with one to two years' experience or for those preparing for the CISP exam.

  • IRA Online Institute

    This course is a comprehensive, 12-week, web-based IRA training program developed and supported by Ascensus’ experienced instructors. This innovative training program teaches you in-depth, essential IRA information, and is the only approved online training program that prepares you to take the Certified IRA Services Professional exam. Extensive IRA reference materials, objective-based training methods, and practical applications of IRA rules create an effective learning environment.

    Students should expect to spend 15-20 hours a week completing the readings and assignments, depending on prior knowledge of IRAs.

    Learning Objectives

    • Administer traditional and Roth IRAs, as well as SEP and SIMPLE plans
    • Identify eligibility requirements, handle contributions, distributions and set-up requirements for traditional and Roth IRAs, as well as SEP and SIMPLE plans
    • Understand and manage rollovers, transfers and required minimum distributions
    • Describe beneficiary options and facilitate beneficiary transactions

    Audience: This course is intended for IRA Services Professionals with one to two years’ experience or for those preparing for the CISP exam.

  • IRA Required Minimum Distributions

    Learn about required minimum distributions (RMDs) from traditional IRAs, SEPs and SIMPLE IRAs. Also, find out how to calculate RMD and satisfy RMD reporting responsibilities.

    Audience: n/a

  • IRA Rollovers and Transfers

    Audience:

  • IRA Rollovers, Transfers and Direct Rollovers

    Explore the process, regulations and reporting requirements for IRA-to-IRA rollovers, IRA-to-IRA transfers, and direct rollovers to and from qualified employer plans.

    Audience: n/a

  • IRAs A to Z

    **E-book included in tuition fee**

    IRAs A to Z gives attendees a comprehensive overview of fundamental IRA concepts. Exercises are included throughout the day to help participants apply information to job-related situations. Attendees will leave this session with increased confidence and a better understanding of how to handle most common IRA transactions. Limited IRA knowledge is assumed, but a basic understanding of IRAs is beneficial. Attendees should bring a hand-held calculator.

    Course Topics May Include

    Introduction to IRAs

    • Identify the tax advantages of Traditional and Roth IRAs

    IRA Funding

    • Compare and contrast the Traditional and Roth IRA
      eligibility requirements
    • Explain the regular contribution limit
    • Distinguish the regular contribution deadline
    • State the rules for prior-year contributions
    • Communicate the regular contribution reporting
      deadlines

    Moving IRA Assets

    • Differentiate between a transfer and a rollover
    • Show how assets are moved between employer-
      sponsored retirement plans and IRAs
    • Describe a conversion from Traditional or Simple IRA
      to Roth IRA
    • Demonstrate how to report the transactions

    IRA Distributions and Beneficiary Options

    • Identify federal income tax withholding requirements
    • Recognize the exceptions to the early distribution
      penalty tax
    • Summarize the tax consequences of Traditional and
      Roth IRA distributions
    • Define a required minimum distribution and the
      required beginning date
    • Describe beneficiary distribution options when an IRA
      owner died before January 1, 2020, or dies on or after
      January 1, 2020
    • Recognize the differences for the different beneficiary
      types
    • Communicate the distribution reporting deadlines

    Audience: An IRA administrator, personal banker, or member services personnel who has a working knowledge of basic IRA operations and wishes to expand your expertise and provide enhanced customer service. A compliance specialist with procedural oversight of IRA policies and practices.

  • IRAs: The Basics

    Have you ever noticed sometimes when the IRA Guru leaves the credit union, it is without notice or training for a replacement?!?! On the first day of training, you feel like someone dropped you on the top of a mountain and told you to find your own way down. In other words, you have NO IDEA where to go or what they are talking about. Everything just sounds alien to you. It’s true. IRAs are a different world from the other accounts at your credit union. Oh, they may look similar, but the rules, regulations and IRS reporting build the complications to the point where you feel like you are on falling off a cliff!! And, just when you finally find your footing, they change the rules again.

    While it may take years to build a confidence level where you can answer almost any question thrown your way, the goal of this 3-part series is to raise your comfort level if you are a rookie and to reinforce your knowledge if you have a higher level of experience.

    This program is Part 1 of a 3 Part Series. For more information and series pricing, Click Here.

    Covered Topics
    -Review of top terminology of IRAs
    -Basic Forms Required To Open, Close, Move and Maintain IRAs (have your own forms – including application, contribution and distribution forms – available during the webinar)
    -Qualifications, Contribution Limits and Deadlines for:
    Traditional IRA and Roth IRAs
    Conversion Roth (IRS codes and reporting)
    Coverdell Education Savings Accounts – CESA
    This is Part I of a three-part series. You can attend all the sessions to obtain the complete information or any one independently.

    Audience: New Account Representatives, Certificate of Deposit Personnel, Savings Counselors, Member Service Representatives or anyone who is newly involved in the opening, selling, marketing, or administration of IRAs. Any supervisor/manager who "oversees" the IRA department and may be responsible for answering IRA member?s questions or concerns but does not actually open IRA accounts. Experienced IRA trainers or personnel who like a review of the basics and forms.

  • Know Your Competition

    Covers how registered independent advisors, wirehouses and broker dealers position themselves, compete and acquire relationships and how to differentiate yourself to win and retain more business.

    What You’ll Learn

    After completing this course, students will be able to:

    • Describe the competitive landscape in the financial services industry
    • Evaluate the strengths and weaknesses of different business models
    • Explain how to compete and acquire new clients
    • Describe ways to win and retain more business

    Audience: Client-facing wealth advisors (fiduciary [trust] advisors, portfolio managers, bankers, planners) with at least one year of wealth management-related experience who want to better understand the most common competitors and how to better compete in their marketplace serving higher net worth clients.

  • Law and Banking: Applications

    Law and Banking:  Applications is ACE recommended for college credit transfer!

    Business law and, more generally, the legal environment of business, have universal applicability.  A student entering virtually any field of business must have at least a passing understanding of business law in order to function in the real world.  Topics covered include:  Introduction to Law and Legal Reasoning; Courts and Alternative Dispute Resolution; Negotiable Instruments; Creditors’ Rights and Bankruptcy; Agency Formation and Duties; Liability to Third Parties and Termination; Administrative Law; Consumer and Environmental law; Cyberlaw and E-Commerce.

      Textbook chapter topics include:

    • Purpose and Types of Negotiable Instruments
    • Transferring Negotiable Instruments
    • Holders in due Course, Defenses, and Liabilities
    • Bank-Depositor Relationships, Deposits, and Collections
    • Insurance
    • Mortgages and Security Interests
    • Bankruptcy
    • The Principal and Agent Relationship
    • Agency Operation
    • Employment Law
    • Labor-Management Relations Law
    • Business Organization and Regulation
    • The Corporate Entity
    • Corporate Governance
    • Business Organization and Regulation
    • Professional Liability
    • Electronic Law

    Audience: Personnel who are new to banking or require a refresher course on the legal basis for many banking services and transactions

  • Law and Banking: Applications

    Business law and, more generally, the legal environment of business, have universal applicability.  A student entering virtually any field of business must have at least a passing understanding of business law in order to function in the real world.  Topics covered include:  Introduction to Law and Legal Reasoning; Courts and Alternative Dispute Resolution; Negotiable Instruments; Creditors’ Rights and Bankruptcy; Agency Formation and Duties; Liability to Third Parties and Termination; Administrative Law; Consumer and Environmental law; Cyberlaw and E-Commerce.

    Textbook chapter topics include:

    • Purpose and Types of Negotiable Instruments
    • Transferring Negotiable Instruments
    • Holders in due Course, Defenses, and Liabilities
    • Bank-Depositor Relationships, Deposits, and Collections
    • Insurance
    • Mortgages and Security Interests
    • Bankruptcy
    • The Principal and Agent Relationship
    • Agency Operation
    • Employment Law
    • Labor-Management Relations Law
    • Business Organization and Regulation
    • The Corporate Entity
    • Corporate Governance
    • Business Organization and Regulation
    • Professional Liability
    • Electronic Law

    Audience: Personnel who are new to banking or require a refresher course on the legal basis for many banking laws governing products, services and transaction

  • Law and Banking: Applications

    Business law and, more generally, the legal environment of business, have universal applicability.  A student entering virtually any field of business must have at least a passing understanding of business law in order to function in the real world.  Topics covered include:  Introduction to Law and Legal Reasoning; Courts and Alternative Dispute Resolution; Negotiable Instruments; Creditors’ Rights and Bankruptcy; Agency Formation and Duties; Liability to Third Parties and Termination; Administrative Law; Consumer and Environmental law; Cyberlaw and E-Commerce.

    Textbook chapter topics include:

    • Purpose and Types of Negotiable Instruments
    • Transferring Negotiable Instruments
    • Holders in due Course, Defenses, and Liabilities
    • Bank-Depositor Relationships, Deposits, and Collections
    • Insurance
    • Mortgages and Security Interests
    • Bankruptcy
    • The Principal and Agent Relationship
    • Agency Operation
    • Employment Law
    • Labor-Management Relations Law
    • Business Organization and Regulation
    • The Corporate Entity
    • Corporate Governance
    • Business Organization and Regulation
    • Professional Liability
    • Electronic Law

    Audience: Personnel who are new to banking or require a refresher course on the legal basis for many banking laws governing products, services and transaction

  • Law and Banking: Applications

    Business law and, more generally, the legal environment of business, have universal applicability.  A student entering virtually any field of business must have at least a passing understanding of business law in order to function in the real world.  Topics covered include:  Introduction to Law and Legal Reasoning; Courts and Alternative Dispute Resolution; Negotiable Instruments; Creditors’ Rights and Bankruptcy; Agency Formation and Duties; Liability to Third Parties and Termination; Administrative Law; Consumer and Environmental law; Cyberlaw and E-Commerce.

    Textbook chapter topics include:

    • Purpose and Types of Negotiable Instruments
    • Transferring Negotiable Instruments
    • Holders in due Course, Defenses, and Liabilities
    • Bank-Depositor Relationships, Deposits, and Collections
    • Insurance
    • Mortgages and Security Interests
    • Bankruptcy
    • The Principal and Agent Relationship
    • Agency Operation
    • Employment Law
    • Labor-Management Relations Law
    • Business Organization and Regulation
    • The Corporate Entity
    • Corporate Governance
    • Business Organization and Regulation
    • Professional Liability
    • Electronic Law

    Audience: Personnel who are new to banking or require a refresher course on the legal basis for many banking laws governing products, services and transaction

  • Law and Banking: Applications

    Business law and, more generally, the legal environment of business, have universal applicability.  A student entering virtually any field of business must have at least a passing understanding of business law in order to function in the real world.  Topics covered include:  Introduction to Law and Legal Reasoning; Courts and Alternative Dispute Resolution; Negotiable Instruments; Creditors’ Rights and Bankruptcy; Agency Formation and Duties; Liability to Third Parties and Termination; Administrative Law; Consumer and Environmental law; Cyberlaw and E-Commerce.

    Textbook chapter topics include:

    • Purpose and Types of Negotiable Instruments
    • Transferring Negotiable Instruments
    • Holders in due Course, Defenses, and Liabilities
    • Bank-Depositor Relationships, Deposits, and Collections
    • Insurance
    • Mortgages and Security Interests
    • Bankruptcy
    • The Principal and Agent Relationship
    • Agency Operation
    • Employment Law
    • Labor-Management Relations Law
    • Business Organization and Regulation
    • The Corporate Entity
    • Corporate Governance
    • Business Organization and Regulation
    • Professional Liability
    • Electronic Law

    Audience: Personnel who are new to banking or require a refresher course on the legal basis for many banking laws governing products, services and transaction

  • Law and Banking: Applications

    Business law and, more generally, the legal environment of business, have universal applicability.  A student entering virtually any field of business must have at least a passing understanding of business law in order to function in the real world.  Topics covered include:  Introduction to Law and Legal Reasoning; Courts and Alternative Dispute Resolution; Negotiable Instruments; Creditors’ Rights and Bankruptcy; Agency Formation and Duties; Liability to Third Parties and Termination; Administrative Law; Consumer and Environmental law; Cyberlaw and E-Commerce.

    Textbook chapter topics include:

    • Purpose and Types of Negotiable Instruments
    • Transferring Negotiable Instruments
    • Holders in due Course, Defenses, and Liabilities
    • Bank-Depositor Relationships, Deposits, and Collections
    • Insurance
    • Mortgages and Security Interests
    • Bankruptcy
    • The Principal and Agent Relationship
    • Agency Operation
    • Employment Law
    • Labor-Management Relations Law
    • Business Organization and Regulation
    • The Corporate Entity
    • Corporate Governance
    • Business Organization and Regulation
    • Professional Liability
    • Electronic Law

    Audience: Personnel who are new to banking or require a refresher course on the legal basis for many banking laws governing products, services and transaction

  • Law and Banking: Applications

    Business law and, more generally, the legal environment of business, have universal applicability.  A student entering virtually any field of business must have at least a passing understanding of business law in order to function in the real world.  Topics covered include:  Introduction to Law and Legal Reasoning; Courts and Alternative Dispute Resolution; Negotiable Instruments; Creditors’ Rights and Bankruptcy; Agency Formation and Duties; Liability to Third Parties and Termination; Administrative Law; Consumer and Environmental law; Cyberlaw and E-Commerce.

    Textbook chapter topics include:

    • Purpose and Types of Negotiable Instruments
    • Transferring Negotiable Instruments
    • Holders in due Course, Defenses, and Liabilities
    • Bank-Depositor Relationships, Deposits, and Collections
    • Insurance
    • Mortgages and Security Interests
    • Bankruptcy
    • The Principal and Agent Relationship
    • Agency Operation
    • Employment Law
    • Labor-Management Relations Law
    • Business Organization and Regulation
    • The Corporate Entity
    • Corporate Governance
    • Business Organization and Regulation
    • Professional Liability
    • Electronic Law

    Audience: Personnel who are new to banking or require a refresher course on the legal basis for many banking laws governing products, services and transaction

  • Law and Banking: Applications

    Business law and, more generally, the legal environment of business, have universal applicability.  A student entering virtually any field of business must have at least a passing understanding of business law in order to function in the real world.  Topics covered include:  Introduction to Law and Legal Reasoning; Courts and Alternative Dispute Resolution; Negotiable Instruments; Creditors’ Rights and Bankruptcy; Agency Formation and Duties; Liability to Third Parties and Termination; Administrative Law; Consumer and Environmental law; Cyberlaw and E-Commerce.

    Textbook chapter topics include:

    • Purpose and Types of Negotiable Instruments
    • Transferring Negotiable Instruments
    • Holders in due Course, Defenses, and Liabilities
    • Bank-Depositor Relationships, Deposits, and Collections
    • Insurance
    • Mortgages and Security Interests
    • Bankruptcy
    • The Principal and Agent Relationship
    • Agency Operation
    • Employment Law
    • Labor-Management Relations Law
    • Business Organization and Regulation
    • The Corporate Entity
    • Corporate Governance
    • Business Organization and Regulation
    • Professional Liability
    • Electronic Law

    Audience: Personnel who are new to banking or require a refresher course on the legal basis for many banking laws governing products, services and transaction

  • Law and Banking: Applications

    Business law and, more generally, the legal environment of business, have universal applicability.  A student entering virtually any field of business must have at least a passing understanding of business law in order to function in the real world.  Topics covered include:  Introduction to Law and Legal Reasoning; Courts and Alternative Dispute Resolution; Negotiable Instruments; Creditors’ Rights and Bankruptcy; Agency Formation and Duties; Liability to Third Parties and Termination; Administrative Law; Consumer and Environmental law; Cyberlaw and E-Commerce.

    Textbook chapter topics include:

    • Purpose and Types of Negotiable Instruments
    • Transferring Negotiable Instruments
    • Holders in due Course, Defenses, and Liabilities
    • Bank-Depositor Relationships, Deposits, and Collections
    • Insurance
    • Mortgages and Security Interests
    • Bankruptcy
    • The Principal and Agent Relationship
    • Agency Operation
    • Employment Law
    • Labor-Management Relations Law
    • Business Organization and Regulation
    • The Corporate Entity
    • Corporate Governance
    • Business Organization and Regulation
    • Professional Liability
    • Electronic Law

    Audience: Personnel who are new to banking or require a refresher course on the legal basis for many banking laws governing products, services and transaction

  • Law and Banking: Applications

    Business law and, more generally, the legal environment of business, have universal applicability.  A student entering virtually any field of business must have at least a passing understanding of business law in order to function in the real world.  Topics covered include:  Introduction to Law and Legal Reasoning; Courts and Alternative Dispute Resolution; Negotiable Instruments; Creditors’ Rights and Bankruptcy; Agency Formation and Duties; Liability to Third Parties and Termination; Administrative Law; Consumer and Environmental law; Cyberlaw and E-Commerce.

    Textbook chapter topics include:

    • Purpose and Types of Negotiable Instruments
    • Transferring Negotiable Instruments
    • Holders in due Course, Defenses, and Liabilities
    • Bank-Depositor Relationships, Deposits, and Collections
    • Insurance
    • Mortgages and Security Interests
    • Bankruptcy
    • The Principal and Agent Relationship
    • Agency Operation
    • Employment Law
    • Labor-Management Relations Law
    • Business Organization and Regulation
    • The Corporate Entity
    • Corporate Governance
    • Business Organization and Regulation
    • Professional Liability
    • Electronic Law

    Audience: Personnel who are new to banking or require a refresher course on the legal basis for many banking laws governing products, services and transaction

  • Law and Banking: Principles

    The Law and Banking:  Principles course is ACE recommended for college credit transfer!

    Topics covered include:  Introduction to Law and Legal Reasoning; Courts and Alternative Dispute Resolution; Torts; Criminal Law and Procedures; Contracts: Nature and Terminology, Agreement, Consideration and Capacity of Assent; Breach of Contract and Remedies; The Formation of Sales and Lease Contracts; Title, Risk, and Insurable Interest; Sole Proprietorships and Partnerships; Corporations: Formation and Financing, Directors, Officers, and Shareholders; Limited Liability Companies and Limited Partnerships; Wills, Trusts, and Elder Law; Personal Property and Bailments; Real Property. 

    Textbook chapter topics include:

    • Ethics, Law and the Judicial System
    • Sources of the Law
    • The Judicial Process
    • Alternative Dispute Resolution
    • Criminal Law
    • Tort Law
    • The Essentials of Contract Law
    • Offer and Acceptance
    • Mutual Assent and Defective Agreement
    • Contractual Capacity
    • Consideration
    • Legality
    • Written Contracts
    • Third Parties in Contract Law
    • Discharge and Remedies
    • Sales and Lease of Goods
    • Title and Risk of Loss in Sales of Goods
    • Performance and Breach of the Sales Contract
    • Warranties and Product Liability
    • Consumer Protection
    • Personal Property
    • Bailments
    • Real Property
    • Landlord and Tenant
    • Wills, Trusts and Estates

    Audience: Personnel who are new to banking or require a refresher course on the legal basis for many banking laws governing products, services and transaction

  • Law and Banking: Principles

    Topics covered include: Introduction to Law and Legal Reasoning; Courts and Alternative Dispute Resolution; Torts; Criminal Law and Procedures; Contracts: Nature and Terminology, Agreement, Consideration and Capacity of Assent; Breach of Contract and Remedies; The Formation of Sales and Lease Contracts; Title, Risk, and Insurable Interest; Sole Proprietorships and Partnerships; Corporations: Formation and Financing, Directors, Officers, and Shareholders; Limited Liability Companies and Limited Partnerships; Wills, Trusts, and Elder Law; Personal Property and Bailments; Real Property.

    Textbook chapter topics include:

    • Ethics, Law and the Judicial System
    • Sources of the Law
    • The Judicial Process
    • Alternative Dispute Resolution
    • Criminal Law
    • Tort Law
    • The Essentials of Contract Law
    • Offer and Acceptance
    • Mutual Assent and Defective Agreement
    • Contractual Capacity
    • Consideration
    • Legality
    •  Written Contracts
    • Third Parties in Contract Law
    • Discharge and Remedies
    • Sales and Lease of Goods
    • Title and Risk of Loss in Sales of Goods
    • Performance and Breach of the Sales Contract
    • Warranties and Product Liability
    • Consumer Protection
    • Personal Property
    • Bailments
    • Real Property
    • Landlord and Tenant
    • Wills, Trusts and Estates

    Audience: Personnel who are new to banking or require a refresher course on the legal basis for many banking laws governing products, services and transaction

  • Law and Banking: Principles

    The Law and Banking: Principles course is ACE recommended for college credit transfer!

    Topics covered include: Introduction to Law and Legal Reasoning; Courts and Alternative Dispute Resolution; Torts; Criminal Law and Procedures; Contracts: Nature and Terminology, Agreement, Consideration and Capacity of Assent; Breach of Contract and Remedies; The Formation of Sales and Lease Contracts; Title, Risk, and Insurable Interest; Sole Proprietorships and Partnerships; Corporations: Formation and Financing, Directors, Officers, and Shareholders; Limited Liability Companies and Limited Partnerships; Wills, Trusts, and Elder Law; Personal Property and Bailments; Real Property.

    Textbook chapter topics include:
    – Ethics, Law and the Judicial System
    – Sources of the Law
    – The Judicial Process
    – Alternative Dispute Resolution
    – Criminal Law
    – Tort Law
    – The Essentials of Contract Law
    – Offer and Acceptance
    – Mutual Assent and Defective Agreement
    – Contractual Capacity
    – Consideration
    – Legality
    – Written Contracts
    – Third Parties in Contract Law
    – Discharge and Remedies
    – Sales and Lease of Goods
    – Title and Risk of Loss in Sales of Goods
    – Performance and Breach of the Sales Contract
    – Warranties and Product Liability
    – Consumer Protection
    – Personal Property
    – Bailments
    – Real Property
    – Landlord and Tenant
    – Wills, Trusts and Estates

    Audience: Personnel who are new to banking or require a refresher course on the legal basis for many banking laws governing products, services and transaction

  • Law and Banking: Principles

    The Law and Banking: Principles course is ACE recommended for college credit transfer!

    Topics covered include: Introduction to Law and Legal Reasoning; Courts and Alternative Dispute Resolution; Torts; Criminal Law and Procedures; Contracts: Nature and Terminology, Agreement, Consideration and Capacity of Assent; Breach of Contract and Remedies; The Formation of Sales and Lease Contracts; Title, Risk, and Insurable Interest; Sole Proprietorships and Partnerships; Corporations: Formation and Financing, Directors, Officers, and Shareholders; Limited Liability Companies and Limited Partnerships; Wills, Trusts, and Elder Law; Personal Property and Bailments; Real Property.

    Textbook chapter topics include:
    – Ethics, Law and the Judicial System
    – Sources of the Law
    – The Judicial Process
    – Alternative Dispute Resolution
    – Criminal Law
    – Tort Law
    – The Essentials of Contract Law
    – Offer and Acceptance
    – Mutual Assent and Defective Agreement
    – Contractual Capacity
    – Consideration
    – Legality
    – Written Contracts
    – Third Parties in Contract Law
    – Discharge and Remedies
    – Sales and Lease of Goods
    – Title and Risk of Loss in Sales of Goods
    – Performance and Breach of the Sales Contract
    – Warranties and Product Liability
    – Consumer Protection
    – Personal Property
    – Bailments
    – Real Property
    – Landlord and Tenant
    – Wills, Trusts and Estates

    Audience: Personnel who are new to banking or require a refresher course on the legal basis for many banking laws governing products, services and transaction

  • Law and Banking: Principles

    The Law and Banking: Principles course is ACE recommended for college credit transfer!

    Topics covered include: Introduction to Law and Legal Reasoning; Courts and Alternative Dispute Resolution; Torts; Criminal Law and Procedures; Contracts: Nature and Terminology, Agreement, Consideration and Capacity of Assent; Breach of Contract and Remedies; The Formation of Sales and Lease Contracts; Title, Risk, and Insurable Interest; Sole Proprietorships and Partnerships; Corporations: Formation and Financing, Directors, Officers, and Shareholders; Limited Liability Companies and Limited Partnerships; Wills, Trusts, and Elder Law; Personal Property and Bailments; Real Property.

    Textbook chapter topics include:
    – Ethics, Law and the Judicial System
    – Sources of the Law
    – The Judicial Process
    – Alternative Dispute Resolution
    – Criminal Law
    – Tort Law
    – The Essentials of Contract Law
    – Offer and Acceptance
    – Mutual Assent and Defective Agreement
    – Contractual Capacity
    – Consideration
    – Legality
    – Written Contracts
    – Third Parties in Contract Law
    – Discharge and Remedies
    – Sales and Lease of Goods
    – Title and Risk of Loss in Sales of Goods
    – Performance and Breach of the Sales Contract
    – Warranties and Product Liability
    – Consumer Protection
    – Personal Property
    – Bailments
    – Real Property
    – Landlord and Tenant
    – Wills, Trusts and Estates

    Audience: Personnel who are new to banking or require a refresher course on the legal basis for many banking laws governing products, services and transaction

  • Law and Banking: Principles

    The Law and Banking: Principles course is ACE recommended for college credit transfer!

    Topics covered include: Introduction to Law and Legal Reasoning; Courts and Alternative Dispute Resolution; Torts; Criminal Law and Procedures; Contracts: Nature and Terminology, Agreement, Consideration and Capacity of Assent; Breach of Contract and Remedies; The Formation of Sales and Lease Contracts; Title, Risk, and Insurable Interest; Sole Proprietorships and Partnerships; Corporations: Formation and Financing, Directors, Officers, and Shareholders; Limited Liability Companies and Limited Partnerships; Wills, Trusts, and Elder Law; Personal Property and Bailments; Real Property.

    Textbook chapter topics include:
    – Ethics, Law and the Judicial System
    – Sources of the Law
    – The Judicial Process
    – Alternative Dispute Resolution
    – Criminal Law
    – Tort Law
    – The Essentials of Contract Law
    – Offer and Acceptance
    – Mutual Assent and Defective Agreement
    – Contractual Capacity
    – Consideration
    – Legality
    – Written Contracts
    – Third Parties in Contract Law
    – Discharge and Remedies
    – Sales and Lease of Goods
    – Title and Risk of Loss in Sales of Goods
    – Performance and Breach of the Sales Contract
    – Warranties and Product Liability
    – Consumer Protection
    – Personal Property
    – Bailments
    – Real Property
    – Landlord and Tenant
    – Wills, Trusts and Estates

    Audience: Personnel who are new to banking or require a refresher course on the legal basis for many banking laws governing products, services and transaction

  • Law and Banking: Principles

    The Law and Banking: Principles course is ACE recommended for college credit transfer!

    Topics covered include: Introduction to Law and Legal Reasoning; Courts and Alternative Dispute Resolution; Torts; Criminal Law and Procedures; Contracts: Nature and Terminology, Agreement, Consideration and Capacity of Assent; Breach of Contract and Remedies; The Formation of Sales and Lease Contracts; Title, Risk, and Insurable Interest; Sole Proprietorships and Partnerships; Corporations: Formation and Financing, Directors, Officers, and Shareholders; Limited Liability Companies and Limited Partnerships; Wills, Trusts, and Elder Law; Personal Property and Bailments; Real Property.

    Textbook chapter topics include:
    – Ethics, Law and the Judicial System
    – Sources of the Law
    – The Judicial Process
    – Alternative Dispute Resolution
    – Criminal Law
    – Tort Law
    – The Essentials of Contract Law
    – Offer and Acceptance
    – Mutual Assent and Defective Agreement
    – Contractual Capacity
    – Consideration
    – Legality
    – Written Contracts
    – Third Parties in Contract Law
    – Discharge and Remedies
    – Sales and Lease of Goods
    – Title and Risk of Loss in Sales of Goods
    – Performance and Breach of the Sales Contract
    – Warranties and Product Liability
    – Consumer Protection
    – Personal Property
    – Bailments
    – Real Property
    – Landlord and Tenant
    – Wills, Trusts and Estates

    Audience: Personnel who are new to banking or require a refresher course on the legal basis for many banking laws governing products, services and transaction

  • Law and Banking: Principles

    Topics covered include: Introduction to Law and Legal Reasoning; Courts and Alternative Dispute Resolution; Torts; Criminal Law and Procedures; Contracts: Nature and Terminology, Agreement, Consideration and Capacity of Assent; Breach of Contract and Remedies; The Formation of Sales and Lease Contracts; Title, Risk, and Insurable Interest; Sole Proprietorships and Partnerships; Corporations: Formation and Financing, Directors, Officers, and Shareholders; Limited Liability Companies and Limited Partnerships; Wills, Trusts, and Elder Law; Personal Property and Bailments; Real Property.

    Textbook chapter topics include:

    • Ethics, Law and the Judicial System
    • Sources of the Law
    • The Judicial Process
    • Alternative Dispute Resolution
    • Criminal Law
    • Tort Law
    • The Essentials of Contract Law
    • Offer and Acceptance
    • Mutual Assent and Defective Agreement
    • Contractual Capacity
    • Consideration
    • Legality
    • Written Contracts
    • Third Parties in Contract Law
    • Discharge and Remedies
    • Sales and Lease of Goods
    • Title and Risk of Loss in Sales of Goods
    • Performance and Breach of the Sales Contract
    • Warranties and Product Liability
    • Consumer Protection
    • Personal Property
    • Bailments
    • Real Property
    • Landlord and Tenant
    • Wills, Trusts and Estates

    Audience: Personnel who are new to banking or require a refresher course on the legal basis for many banking laws governing products, services and transaction

  • Law and Banking: Principles

    Topics covered include: Introduction to Law and Legal Reasoning; Courts and Alternative Dispute Resolution; Torts; Criminal Law and Procedures; Contracts: Nature and Terminology, Agreement, Consideration and Capacity of Assent; Breach of Contract and Remedies; The Formation of Sales and Lease Contracts; Title, Risk, and Insurable Interest; Sole Proprietorships and Partnerships; Corporations: Formation and Financing, Directors, Officers, and Shareholders; Limited Liability Companies and Limited Partnerships; Wills, Trusts, and Elder Law; Personal Property and Bailments; Real Property.

    Textbook chapter topics include:

    • Ethics, Law and the Judicial System
    • Sources of the Law
    • The Judicial Process
    • Alternative Dispute Resolution
    • Criminal Law
    • Tort Law
    • The Essentials of Contract Law
    • Offer and Acceptance
    • Mutual Assent and Defective Agreement
    • Contractual Capacity
    • Consideration
    • Legality
    •  Written Contracts
    • Third Parties in Contract Law
    • Discharge and Remedies
    • Sales and Lease of Goods
    • Title and Risk of Loss in Sales of Goods
    • Performance and Breach of the Sales Contract
    • Warranties and Product Liability
    • Consumer Protection
    • Personal Property
    • Bailments
    • Real Property
    • Landlord and Tenant
    • Wills, Trusts and Estates

    Audience: Personnel who are new to banking or require a refresher course on the legal basis for many banking laws governing products, services and transaction

  • Law and Banking: Principles

    Topics covered include: Introduction to Law and Legal Reasoning; Courts and Alternative Dispute Resolution; Torts; Criminal Law and Procedures; Contracts: Nature and Terminology, Agreement, Consideration and Capacity of Assent; Breach of Contract and Remedies; The Formation of Sales and Lease Contracts; Title, Risk, and Insurable Interest; Sole Proprietorships and Partnerships; Corporations: Formation and Financing, Directors, Officers, and Shareholders; Limited Liability Companies and Limited Partnerships; Wills, Trusts, and Elder Law; Personal Property and Bailments; Real Property.

    Textbook chapter topics include:

    • Ethics, Law and the Judicial System
    • Sources of the Law
    • The Judicial Process
    • Alternative Dispute Resolution
    • Criminal Law
    • Tort Law
    • The Essentials of Contract Law
    • Offer and Acceptance
    • Mutual Assent and Defective Agreement
    • Contractual Capacity
    • Consideration
    • Legality
    •  Written Contracts
    • Third Parties in Contract Law
    • Discharge and Remedies
    • Sales and Lease of Goods
    • Title and Risk of Loss in Sales of Goods
    • Performance and Breach of the Sales Contract
    • Warranties and Product Liability
    • Consumer Protection
    • Personal Property
    • Bailments
    • Real Property
    • Landlord and Tenant
    • Wills, Trusts and Estates

    Audience: Personnel who are new to banking or require a refresher course on the legal basis for many banking laws governing products, services and transaction

  • Law and Banking: Principles

    Topics covered include: Introduction to Law and Legal Reasoning; Courts and Alternative Dispute Resolution; Torts; Criminal Law and Procedures; Contracts: Nature and Terminology, Agreement, Consideration and Capacity of Assent; Breach of Contract and Remedies; The Formation of Sales and Lease Contracts; Title, Risk, and Insurable Interest; Sole Proprietorships and Partnerships; Corporations: Formation and Financing, Directors, Officers, and Shareholders; Limited Liability Companies and Limited Partnerships; Wills, Trusts, and Elder Law; Personal Property and Bailments; Real Property.

    Textbook chapter topics include:

    • Ethics, Law and the Judicial System
    • Sources of the Law
    • The Judicial Process
    • Alternative Dispute Resolution
    • Criminal Law
    • Tort Law
    • The Essentials of Contract Law
    • Offer and Acceptance
    • Mutual Assent and Defective Agreement
    • Contractual Capacity
    • Consideration
    • Legality
    •  Written Contracts
    • Third Parties in Contract Law
    • Discharge and Remedies
    • Sales and Lease of Goods
    • Title and Risk of Loss in Sales of Goods
    • Performance and Breach of the Sales Contract
    • Warranties and Product Liability
    • Consumer Protection
    • Personal Property
    • Bailments
    • Real Property
    • Landlord and Tenant
    • Wills, Trusts and Estates

    Audience: Personnel who are new to banking or require a refresher course on the legal basis for many banking laws governing products, services and transaction

  • Law and Banking: Principles

    Topics covered include: Introduction to Law and Legal Reasoning; Courts and Alternative Dispute Resolution; Torts; Criminal Law and Procedures; Contracts: Nature and Terminology, Agreement, Consideration and Capacity of Assent; Breach of Contract and Remedies; The Formation of Sales and Lease Contracts; Title, Risk, and Insurable Interest; Sole Proprietorships and Partnerships; Corporations: Formation and Financing, Directors, Officers, and Shareholders; Limited Liability Companies and Limited Partnerships; Wills, Trusts, and Elder Law; Personal Property and Bailments; Real Property.

    Textbook chapter topics include:

    • Ethics, Law and the Judicial System
    • Sources of the Law
    • The Judicial Process
    • Alternative Dispute Resolution
    • Criminal Law
    • Tort Law
    • The Essentials of Contract Law
    • Offer and Acceptance
    • Mutual Assent and Defective Agreement
    • Contractual Capacity
    • Consideration
    • Legality
    •  Written Contracts
    • Third Parties in Contract Law
    • Discharge and Remedies
    • Sales and Lease of Goods
    • Title and Risk of Loss in Sales of Goods
    • Performance and Breach of the Sales Contract
    • Warranties and Product Liability
    • Consumer Protection
    • Personal Property
    • Bailments
    • Real Property
    • Landlord and Tenant
    • Wills, Trusts and Estates

    Audience: Personnel who are new to banking or require a refresher course on the legal basis for many banking laws governing products, services and transaction

  • Law and Banking: Principles

    Topics covered include: Introduction to Law and Legal Reasoning; Courts and Alternative Dispute Resolution; Torts; Criminal Law and Procedures; Contracts: Nature and Terminology, Agreement, Consideration and Capacity of Assent; Breach of Contract and Remedies; The Formation of Sales and Lease Contracts; Title, Risk, and Insurable Interest; Sole Proprietorships and Partnerships; Corporations: Formation and Financing, Directors, Officers, and Shareholders; Limited Liability Companies and Limited Partnerships; Wills, Trusts, and Elder Law; Personal Property and Bailments; Real Property.

    Textbook chapter topics include:

    • Ethics, Law and the Judicial System
    • Sources of the Law
    • The Judicial Process
    • Alternative Dispute Resolution
    • Criminal Law
    • Tort Law
    • The Essentials of Contract Law
    • Offer and Acceptance
    • Mutual Assent and Defective Agreement
    • Contractual Capacity
    • Consideration
    • Legality
    •  Written Contracts
    • Third Parties in Contract Law
    • Discharge and Remedies
    • Sales and Lease of Goods
    • Title and Risk of Loss in Sales of Goods
    • Performance and Breach of the Sales Contract
    • Warranties and Product Liability
    • Consumer Protection
    • Personal Property
    • Bailments
    • Real Property
    • Landlord and Tenant
    • Wills, Trusts and Estates

    Audience: Personnel who are new to banking or require a refresher course on the legal basis for many banking laws governing products, services and transaction

  • Leadership in Action Suite

    This suite of five courses explores techniques and best practices for cultivating a collaborative team environment, from empowering individuals and positively handling change to creating a team-supported vision and achieving goals. Completing this suite provides strategies for using authentic leadership skills in day-to-day practices and developing those skills in others. Concise, impactful lessons can be applied on the job immediately.

    Courses

    • Authentic Leadership
    • Building Collaborative Teams
    • Communicating Vision
    • Empowerment
    • Managing Change

    Audience: Any employee responsible for managing or motivating staff regardless of the specific reporting relationships. This could include managers, supervisors, coaches, team leaders, and mentors.

  • Leading Service Excellence - Branch Manager Bootcamp Series

    OBJECTIVE

    Branch Manager Part 2 focuses on: “The Manager’s Role in Building and Leading an Effective Service and Sales Organization.” Managers will learn to plan and direct the team toward an effective business development effort.
    Participant Key Skill Transfers to Take Away:
    1. Developing leadership skills to grow the branch.
    2. Mastering an understanding of a leading a vibrant service and sales process in a
    branch environment.
    3. Learning to train the branch team in key listening, referring, and selling skills to improve growth.

    Program Agenda

    • Review Action Plan Successes from Past Session
    • Vision Review – Hear the Dream; Pick the Product
    • Red Carpet Exercise – Create a Memorable Experience
    • Rhythms & Routines at the Branch: The following meetings take less than 1 hour per week to facilitate, and they positively impact the other 39 hours to increase business development activities by all team members:
       -Introduction to Dream Building (Helping clients by listening)
       -Weekly Sales Meetings (What dreams did we find last week? How did we change a life?)
       -AM and PM Huddles (Driving energy at the beginning and end of each day)
       -Mid-Week Clinics (Brief gatherings with a learning topic facilitated by subject      matter experts
       -Service and Sales Leadership – Identifying the challenges to expect when driving a service and sales culture at the branch
       -Discuss Challenges & Opportunities
       -Complete an Action Plan for Skills Transfer back to the Job
       -TOOLKIT: Mini Lesson: Listening for Opportunities – Learn how to get the branch staff to listen and refer so we help our clients save money, make money,      save time, & find convenience and security
    You can choose to participate in just one lesson – or you can do the whole series.  

    Audience: New and experienced Branch Managers, Assistant Branch Managers, Teller Supervisors, Lead Universal Bankers, and any banker aspiring to lead the team in a retail branch. 

  • Leading Your People to Success

    The Leading Your People to Success course discusses how supervisors can use proven techniques to empower their employees.  The content of the course includes:  team building skills; group dynamics; coaching and counseling; productive performance appraisals; support of employee career development; creating a high-opportunity work environment; embracing change; and continuous improvement of employees.

    Topics include:

    • Building an Empowered Team
    • Coaching and Counseling for Excellence
    • Giving Effective Performance Appraisals
    • Supporting Career Development
    • Proactively Embracing Change
    • Being the Complete Supervisor

    Audience: New or experienced supervisors

  • Leading Your People to Success

    The Leading Your People to Success course discusses how supervisors can use proven techniques to empower their employees.  The content of the course includes:  team building skills; group dynamics; coaching and counseling; productive performance appraisals; support of employee career development; creating a high-opportunity work environment; embracing change; and continuous improvement of employees.

    Topics include:

    • Building an Empowered Team
    • Coaching and Counseling for Excellence
    • Giving Effective Performance Appraisals
    • Supporting Career Development
    • Proactively Embracing Change
    • Being the Complete Supervisor

    Audience: New or experienced supervisors

  • Leading Your People to Success

    The Leading Your People to Success course discusses how supervisors can use proven techniques to empower their employees.  The content of the course includes:  team building skills; group dynamics; coaching and counseling; productive performance appraisals; support of employee career development; creating a high-opportunity work environment; embracing change; and continuous improvement of employees.

    Topics include:

    • Building an Empowered Team
    • Coaching and Counseling for Excellence
    • Giving Effective Performance Appraisals
    • Supporting Career Development
    • Proactively Embracing Change
    • Being the Complete Supervisor

    Audience: New or experienced supervisors

  • Leading Your People to Success

    The Leading Your People to Success course discusses how supervisors can use proven techniques to empower their employees.  The content of the course includes:  team building skills; group dynamics; coaching and counseling; productive performance appraisals; support of employee career development; creating a high-opportunity work environment; embracing change; and continuous improvement of employees.

    Topics include:

    • Building an Empowered Team
    • Coaching and Counseling for Excellence
    • Giving Effective Performance Appraisals
    • Supporting Career Development
    • Proactively Embracing Change
    • Being the Complete Supervisor

    Audience: New or experienced supervisors

  • Leading Your People to Success

    The Leading Your People to Success course discusses how supervisors can use proven techniques to empower their employees. The content of the course includes: team building skills; group dynamics; coaching and counseling; productive performance appraisals; support of employee career development; creating a high-opportunity work environment; embracing change; and continuous improvement of employees.

    Topics include:
    – Building an Empowered Team
    – Coaching and Counseling for Excellence
    – Giving Effective Performance Appraisals
    – Supporting Career Development
    – Proactively Embracing Change
    – Being the Complete Supervisor

    Audience: New or experienced supervisors

  • Leading Your People to Success

    The Leading Your People to Success course discusses how supervisors can use proven techniques to empower their employees. The content of the course includes: team building skills; group dynamics; coaching and counseling; productive performance appraisals; support of employee career development; creating a high-opportunity work environment; embracing change; and continuous improvement of employees.

    Topics include:
    – Building an Empowered Team
    – Coaching and Counseling for Excellence
    – Giving Effective Performance Appraisals
    – Supporting Career Development
    – Proactively Embracing Change
    – Being the Complete Supervisor

    Audience: New or experienced supervisors

  • Leading Your People to Success

    The Leading Your People to Success course discusses how supervisors can use proven techniques to empower their employees.  The content of the course includes:  team building skills; group dynamics; coaching and counseling; productive performance appraisals; support of employee career development; creating a high-opportunity work environment; embracing change; and continuous improvement of employees.

    Topics include:

    • Building an Empowered Team
    • Coaching and Counseling for Excellence
    • Giving Effective Performance Appraisals
    • Supporting Career Development
    • Proactively Embracing Change
    • Being the Complete Supervisor

    Audience: New or experienced supervisors

  • Leading Your People to Success

    The Leading Your People to Success course discusses how supervisors can use proven techniques to empower their employees.  The content of the course includes:  team building skills; group dynamics; coaching and counseling; productive performance appraisals; support of employee career development; creating a high-opportunity work environment; embracing change; and continuous improvement of employees.

    Topics include:

    • Building an Empowered Team
    • Coaching and Counseling for Excellence
    • Giving Effective Performance Appraisals
    • Supporting Career Development
    • Proactively Embracing Change
    • Being the Complete Supervisor

    Audience: New or experienced supervisors

  • Learning a New Language

    In this short video, you’ll begin to learn an important new language—body language. This will help you improve your negotiating, management and interpersonal skills by correctly interpreting body language and other important signals.

    Part of the Body Language Basics series, presented by Tonya Gossage

    What You’ll Learn

    • Use the four tips you will learn to help you read and use body language to your benefit
    • Understand five nonverbal, physical cues that say more than the words you use

    Audience: All audiences, including Customer Service Representatives, Managers, Lenders, Sales-Oriented Positions, Retail Banking Officers, Branch Managers, Administration Officers

  • Legal Foundations in Banking

    Presents the underlying legal structure for conducting the business of banking. This course covers key legal requirements affecting banks and bankers, as well as core language that must be understood to be effective. It provides the critical legal knowledge that every banker should know.

    Learning Objectives

    • Understand the basic foundation for transaction processing and deposits
    • Identify the key areas that encompass the legal risks banks face
    • Provide a foundation for determining safety and soundness requirements to provide protection to the bank
    • Establish a framework for sound practices and understanding of financial transactions and their requirements

    Audience: This is a foundation course in the legal structure and basis for commercial banking, designed for new bankers, banking managers, or those transacting business directly with customers.

  • Legal Foundations in Banking

    resents the underlying legal structure for conducting the business of banking. This course covers key legal requirements affecting banks and bankers, as well as core language that must be understood to be effective. It provides the critical legal knowledge that every banker should know.

    Learning Objectives

    -Understand the basic foundation for transaction processing and deposits
    -Identify the key areas that encompass the legal risks banks face
    -Provide a foundation for determining safety and soundness requirements to provide protection to the bank
    -Establish a framework for sound practices and understanding of financial transactions and their requirements

    Audience: This is a foundation course in the legal structure and basis for commercial banking, designed for new bankers, banking managers, or those transacting business directly with customers.

  • Legal Foundations in Banking

    Presents the underlying legal structure for conducting the business of banking. This course covers key legal requirements affecting banks and bankers, as well as core language that must be understood to be effective. It provides the critical legal knowledge that every banker should know.

    Learning Objectives

    • Understand the basic foundation for transaction processing and deposits
    • Identify the key areas that encompass the legal risks banks face
    • Provide a foundation for determining safety and soundness requirements to provide protection to the bank
    • Establish a framework for sound practices and understanding of financial transactions and their requirements

    Audience: This is a foundation course in the legal structure and basis for commercial banking, designed for new bankers, banking managers, or those transacting business directly with customers.

  • Legal Foundations in Banking

    Presents the underlying legal structure for conducting the business of banking. This course covers key legal requirements affecting banks and bankers, as well as core language that must be understood to be effective. It provides the critical legal knowledge that every banker should know.

    Learning Objectives

    • Understand the basic foundation for transaction processing and deposits
    • Identify the key areas that encompass the legal risks banks face
    • Provide a foundation for determining safety and soundness requirements to provide protection to the bank
    • Establish a framework for sound practices and understanding of financial transactions and their requirements

    Audience: This is a foundation course in the legal structure and basis for commercial banking, designed for new bankers, banking managers, or those transacting business directly with customers.

  • Lending as a Cornerstone of Banking

    Guides you through consumer and business loan products and services. Get insight into lending processes. Identify key laws and regulations that govern the lending process.

    After successfully completing the course, you will be able to:

    • Identify sources of credit for consumers and businesses
    • Describe lending products and services for bank customers
    • List the steps in the lending process
    • Understand how the bank board of directors governs loan policy

    Audience: For Onboarding. Anyone who needs an introduction to banking, whether just starting a career in the industry or a more experienced professional from a different industry, including specialists in non-banking functions such as marketing, information systems, and human resources.

  • Lending to Active Duty Service Members

    Audience:

  • Leveraging LinkedIn

    LinkedIn plays an important role in how you are perceived professionally. Learn how to leverage this high-traffic destination with a LinkedIn profile that truly reflects your professional brand and allows you to connect with prospects and customers.

    Modules are:

    • Stand Out: Build a Powerful Profile
    • Connect: Grow Your Network
    • Tune In: Keep Up in a Busy World
    • Share: Be a Thought Leader
    • Reach Out: Promote Your Brand

    Produced by Mindset Digital

    What You’ll Learn

    • Explain the best practices for creating accounts and content
    • Identify strategies to connect with prospects, customers, and other professionals
    • Leverage LinkedIn as a tool to stay informed
    • Identify thought leadership strategies
    • Identify approaches to extend branch reach and increase audience engagement

    Audience: Any bank employee who uses LinkedIn to promote the bank's brand, products, and services.

  • Leveraging the Benefits of a Diverse Workforce

    Includes real-life scenarios to illustrate how to manage diversity issues by explaining the skills needed and apply the five-step process for handling conflict resolutions. Provides strategies for successful managers to recruit diverse work teams, encourage diversity of thought, and welcome differing opinions. Describes potential solutions to discourage stereotyping and encourage diversity.

    What You’ll Learn

    After successfully completing this course, you will be able to:

    • Recognize the business case for diversity
    • Define the management practices that support diversity in the workplace
    • Explain the difference between diversity vs. stereotypes
    • Apply the five-step process for handling diversity conflict resolution

    Audience: For managers, supervisors, and all employees in leadership positions.

  • Life Insurance Policies

    Describes the use of life insurance as a financial tool. Compares term life insurance and permanent insurance, including common types. Discusses the appropriate use of policy illustrations. Explains how to manage the death benefit option in a universal life policy, and the type of expenses associated with variable universal life policies. Describes how wealth accumulates in variable universal life policies.

    What You’ll Learn

    After completing this course, students will be able to:

    • Explain the use of life insurance as a financial tool
    • Describe the characteristics of term life insurance and permanent life insurance, and the common types of term and permanent life insurance policies
    • Describe the management of universal life policies including expenses and wealth accumulation

     

    Audience: Trust officers with at least three years of personal trust experience who need a deeper understanding of technical trust concepts and how solutions work when applied to client needs.

  • Loan Agreements and Key Documents

    ƒ?› Identify the primary, seasonality and tertiary source of repayments
    ƒ?› Key commercial documents, Covenants, UCC Filings, Mortgage and more!

    Audience: Commercial and/or business bankers and credit analysts

  • Loan Agreements and Key Documents

    ƒ?› Identify the primary, seasonality and tertiary source of repayments
    ƒ?› Key commercial documents, Covenants, UCC Filings, Mortgage and more!

    Audience: Commercial and/or business bankers and credit analysts

  • Loan Modification or Refinance Flood Insurance Requirements

    Understand what requirements and disclosures are necessary when taking action on an existing designated loan involving flood insurance.

    What You’ll Learn

    This training will specifically address:

    • Creditor’s responsibilities with flood insurance
    • When to check flood status: triggering events
    • Calculating flood insurance coverage amount
    • Escrow requirements, when to force place, and notable exemptions

    Audience: • Chief Compliance Officers (CCOs); Compliance Officers, Managers, Specialists, Analysts and Coordinators, including Compliance owners within the bank’s first line with responsibilities for Consumer Compliance and/or Regulatory Oversight. Internal Auditors, General Counsel and Legal, Consultants specializing in Bank Compliance. Federal and State Bank Examiners. Bankers who have attended ABA’s Compliance Schools or taken the Online Training for Compliance Professionals.

  • Loan Structuring Basics

    The principal goal of this course is to enable you to appropriately structure credit exposures, matching loan type, terms and conditions to the borrower’s identified primary and secondary loan repayment sources and underlying credit risks.

    Covered Topics
    -Show how loan structuring fits into the lending decision process.
    -Explain the purpose and objectives of loan covenants
    -Identify specific examples of financial covenants that would be used for each of the four major loan types
    -Identify and describe seasonal borrowing needs
    -Profile seasonal repayment sources and their related risks
    -Identify and describe permanent working capital borrowing needs
    -Profile repayment sources and their related risks
    -Formulate a loan structure, including consideration of collateral support, to minimize those risks
    -Identify and describe long-term borrowing needs
    -Profile repayment sources and their related risks
    -Formulate a loan structure, including collateral and third-party support, to minimize risks.

    Audience: Commercial lenders, credit analysts, small business lenders, middle market lenders, private bankers; loan review specialists, special assets officers, lending managers and credit officers will benefit from attending this webinar.

  • Loan Structuring, Documentation, Pricing and Problem Loans Suite

    These five courses cover loan structuring, asset-based lending and documentation issues within quantitative and qualitative risk analysis. An overview of documents, the causes of problem loans and the complexities of CRE loans are covered.

    Courses

    The courses included (only available as a suite) and their objectives are listed below:

    • Commercial Loan Structuring
      Identify borrowing structures and describe their advantages. Explain the purpose of commercial loan support.
    • Identifying Viable Secondary and Tertiary Sources of Repayment
      Identify sources of repayment that are appropriate for various commercial loan borrowing arrangements and the factors that affect collateral value. Explain key issues for assessing various types of collateral commonly used for commercial loans.
    • Key Documents, Loan Agreements and Covenants
      Describe the loan documentation process and requirements. Explain the best practices for loan closing—preparing, conducting, and following up.
    • Loan Pricing and Negotiating
      Describe pricing considerations for a commercial loan. Identify and explain the loan negotiation process, and explain the role of the business banker in the loan negotiation.
    • Problem Loans
      Identify the costs and causes of problem loans. Detect problem loan warning signs and the steps for resolving a problem loan. Describe the solutions to problem loans—rehabilitation, liquidation, and bankruptcy.

    Audience: Commercial and/or business bankers and credit analysts.

  • Loans to Executive Officers - Regulation O

    Learn about practices related to extending credit to insiders, including individual and aggregate lending limits, recordkeeping and reporting requirements, rules concerning extensions of credit and civil penalties for violation.

    Audience: n/a

  • Loans to Insiders (Reg O) for Compliance Professionals

    Provides a way to obtain a strong knowledge of Regulation O, which governs loans that a bank makes to its insiders (i.e., executive officers, directors, principal shareholders and their related interests). Describes who the regulation applies to, the manner in which its provisions apply to various insiders, and the records that must be maintained.

    What You’ll Learn
    After completing this course, students will be able to:

    • Identify parties and transactions covered under Regulation O
    • Describe basic restrictions and limitations under Regulation O
    • Explain the reporting and recordkeeping requirements of Regulation O

    Audience: Compliance professionals including compliance managers, officers, and other compliance team members whose primary role is within the compliance function at their financial institution; bank examiners, bank regulators, auditors and lending compliance professionals.

  • Maintaining Superior Team Performance - Branch Manager Bootcamp Series

    OBJECTIVE

    Branch Manager Part 4 focuses on maintaining superior performance. Managers learn to evaluate individual performance, and build performance standards that blend with the bank’s mission and vision.
    Participant Key Skill Transfers to Take Away:
    1. Winning motivational strategies.
    2. Learning best practices in employee development, performance improvement, and employee recognition.

    Program Agenda

    • Review Action Plan Successes from Past Session
    • Conducting Performance Appraisals
       -Discuss the Formal Appraisal Process at Your Bank
       -Look at the Steps in Conducting a Performance Appraisal
       -Review a Sample Performance Appraisal Written by Branch Managers
       -What to Do When Things Go Awry
       -Managing Difficult Situations During a Review
       -Managing Conflict
       -Structured Intervention
    • Rebalancing the Culture
    • Delegating to Build Your Team
    • Mentoring the Team
    • Performance & Development
    • Recognition and Reward – Non-Monetary and Monetary
    • Understanding the Challenges Facing the Financial Work Force of Today
    • Program Summary
    • Complete a Final Action Plan to Grow the Branch

    Audience: New and experienced Branch Managers, Assistant Branch Managers, Teller Supervisors, Lead Universal Bankers, and any banker aspiring to lead the team in a retail branch.

  • Making the Client Call Suite

    This suite of three courses, one exercise module, and one toolkit* explores best practices for conducting client calls, over the phone and in-person. Identify specific client needs by recognizing clues that clients provide, and presenting solutions that meet those needs. Completing this suite provides tips and tactics for making client calls successfully. Concise, impactful lessons can be applied on the job immediately. 

    Courses*

    *Only available as a suite

    • Calling on Clients
      Guides you through best practices for making client calls, both over the phone and in-person. Explore the preparatory steps for making calls.
    • Identifying Client Needs
      Guides you through identifying and understanding clues that clients give about their needs during interactions. Enhance skills for conducting insightful client interviews.
    • Presenting Solutions that Match Client Needs
      Guides you through crafting effective statements and questions that lead to a successful sale. Explore the steps for presenting solutions that match client needs.
    • Making the Client Call – Apply What You’ve Learned
      Practice identifying and understanding client needs, and then presenting solutions to meet those needs.
    • Toolkit
      Guides you through working with a coach to increase learning retention and provides additional reference materials for on-the-job application of client calling skills.

    Audience: Branch and administrative office sales staff, call center staff, new hires, and anyone who may call on customers.

  • Management

    The Management course is ACE recommended for college credit transfer!

    This Management course presents management theory and applications in an engaging narrative style not commonly found in textbooks. The author’s unique organization and features focus on the critical theories and enhance them with detailed examples that draw the reader into the reading and clearly show their implications for managers and organizations. The text’s unique organization focuses on how managers “make things happen” in modern organizations, exploring the role and impact of management on individuals and organizations. 

    Textbook chapter topics include:

    • Managing People
    • The External Environment and Organizational Culture
    • Managerial Decision Making
    • Planning and Strategic Management
    • Ethics and Corporate Responsibility
    • International Management
    • Entrepreneurship
    • Organization Structure
    • Organizational Agility
    • Human Resources Management
    • Managing the Diverse Workforce
    • Leadership
    • Motivating for Performance
    • Teamwork
    • Communicating
    • Managerial Control
    • Managing Technology and Innovation
    • Creating and Managing Change

    Audience: Designed for new or experienced supervisors and first-line managers or those preparing for such a role

  • Management

    The Management course is ACE recommended for college credit transfer!

    This Management course presents management theory and applications in an engaging narrative style not commonly found in textbooks. The author’s unique organization and features focus on the critical theories and enhance them with detailed examples that draw the reader into the reading and clearly show their implications for managers and organizations. The text’s unique organization focuses on how managers “make things happen” in modern organizations, exploring the role and impact of management on individuals and organizations. 

    Textbook chapter topics include:

    • Managing People
    • The External Environment and Organizational Culture
    • Managerial Decision Making
    • Planning and Strategic Management
    • Ethics and Corporate Responsibility
    • International Management
    • Entrepreneurship
    • Organization Structure
    • Organizational Agility
    • Human Resources Management
    • Managing the Diverse Workforce
    • Leadership
    • Motivating for Performance
    • Teamwork
    • Communicating
    • Managerial Control
    • Managing Technology and Innovation
    • Creating and Managing Change

    Audience: Designed for new or experienced supervisors and first-line managers or those preparing for such a role.

  • Management

    The Management course is ACE recommended for college credit transfer!

    This Management course presents management theory and applications in an engaging narrative style not commonly found in textbooks. The author’s unique organization and features focus on the critical theories and enhance them with detailed examples that draw the reader into the reading and clearly show their implications for managers and organizations. The text’s unique organization focuses on how managers “make things happen” in modern organizations, exploring the role and impact of management on individuals and organizations. 

    Textbook chapter topics include:

    • Managing People
    • The External Environment and Organizational Culture
    • Managerial Decision Making
    • Planning and Strategic Management
    • Ethics and Corporate Responsibility
    • International Management
    • Entrepreneurship
    • Organization Structure
    • Organizational Agility
    • Human Resources Management
    • Managing the Diverse Workforce
    • Leadership
    • Motivating for Performance
    • Teamwork
    • Communicating
    • Managerial Control
    • Managing Technology and Innovation
    • Creating and Managing Change

    Audience: Designed for new or experienced supervisors and first-line managers or those preparing for such a role

  • Management

    The Management course is ACE recommended for college credit transfer!

    This Management course presents management theory and applications in an engaging narrative style not commonly found in textbooks. The author’s unique organization and features focus on the critical theories and enhance them with detailed examples that draw the reader into the reading and clearly show their implications for managers and organizations. The text’s unique organization focuses on how managers “make things happen” in modern organizations, exploring the role and impact of management on individuals and organizations. 

    Textbook chapter topics include:

    • Managing People
    • The External Environment and Organizational Culture
    • Managerial Decision Making
    • Planning and Strategic Management
    • Ethics and Corporate Responsibility
    • International Management
    • Entrepreneurship
    • Organization Structure
    • Organizational Agility
    • Human Resources Management
    • Managing the Diverse Workforce
    • Leadership
    • Motivating for Performance
    • Teamwork
    • Communicating
    • Managerial Control
    • Managing Technology and Innovation
    • Creating and Managing Change

    Audience: Designed for new or experienced supervisors and first-line managers or those preparing for such a role

  • Management

    This Management course presents management theory and applications in an engaging narrative style not commonly found in textbooks. The author’s unique organization and features focus on the critical theories and enhance them with detailed examples that draw the reader into the reading and clearly show their implications for managers and organizations. The text’s unique organization focuses on how managers “make things happen” in modern organizations, exploring the role and impact of management on individuals and organizations.

    Textbook chapter topics include:

    • Managing People
    • The External Environment and Organizational Culture
    • Managerial Decision Making
    • Planning and Strategic Management
    • Ethics and Corporate Responsibility
    • International Management
    • Entrepreneurship
    • Organization Structure
    • Organizational Agility
    • Human Resources Management
    • Managing the Diverse Workforce
    • Leadership
    • Motivating for Performance
    • Teamwork
    • Communicating
    • Managerial Control
    • Managing Technology and Innovation
    • Creating and Managing Change

    Audience: Designed for new or experienced supervisors and first-line managers or those preparing for such a role

  • Management

    This Management course presents management theory and applications in an engaging narrative style not commonly found in textbooks. The author’s unique organization and features focus on the critical theories and enhance them with detailed examples that draw the reader into the reading and clearly show their implications for managers and organizations. The text’s unique organization focuses on how managers “make things happen” in modern organizations, exploring the role and impact of management on individuals and organizations.

    Textbook chapter topics include:

    • Managing People
    • The External Environment and Organizational Culture
    • Managerial Decision Making
    • Planning and Strategic Management
    • Ethics and Corporate Responsibility
    • International Management
    • Entrepreneurship
    • Organization Structure
    • Organizational Agility
    • Human Resources Management
    • Managing the Diverse Workforce
    • Leadership
    • Motivating for Performance
    • Teamwork
    • Communicating
    • Managerial Control
    • Managing Technology and Innovation
    • Creating and Managing Change

    Audience: Designed for new or experienced supervisors and first-line managers or those preparing for such a role

  • Management

    The Management course is ACE recommended for college credit transfer!

    This Management course presents management theory and applications in an engaging narrative style not commonly found in textbooks. The author’s unique organization and features focus on the critical theories and enhance them with detailed examples that draw the reader into the reading and clearly show their implications for managers and organizations. The text’s unique organization focuses on how managers “make things happen” in modern organizations, exploring the role and impact of management on individuals and organizations. 

    Textbook chapter topics include:

    • Managing People
    • The External Environment and Organizational Culture
    • Managerial Decision Making
    • Planning and Strategic Management
    • Ethics and Corporate Responsibility
    • International Management
    • Entrepreneurship
    • Organization Structure
    • Organizational Agility
    • Human Resources Management
    • Managing the Diverse Workforce
    • Leadership
    • Motivating for Performance
    • Teamwork
    • Communicating
    • Managerial Control
    • Managing Technology and Innovation
    • Creating and Managing Change

    Audience: Designed for new or experienced supervisors and first-line managers or those preparing for such a role.

  • Management Essentials Suite

    This suite of six courses explores best practices for successfully managing employees, from interviewing to managing performance. Completing this suite provides tips and tactics for coaching employees, developing a recognition program, and holding effective meetings. Concise, impactful lessons can be applied on the job immediately.

    Courses

    Audience: For Management and Leadership Skills. First-time managers who need an introduction to essential skills, or experienced managers and supervisors who want a refresher on management skills.

  • Managing a Successful Branch - Branch Manager Bootcamp Series

    OBJECTIVE

    Branch Manager Part 1 focuses on the foundation skills of a Branch Manager. Managers learn the key elements of managing a successful branch – selecting the team, staffing and scheduling, procedures, and building the team
    Participant Key Skill Transfers to Take Away:
    1. Learning to create an energetic and productive workplace.
    2. Learning to manage the branch team and integrate technology to drive additional business.
    3. Driving business development even when the branch traffic is slow.

    Program Agenda

    • Branch Staffing Model – Layers are Collapsing
    • How Technology is Revolutionizing Our Business
    • Vision Review – Our Role as Dream Builders
    • Defining the Performance Management Process
    • Coaching, Counseling, and Disciplining
    • Scheduling and Staffing in Today’s Work Environment
    • The Bored Board Concept – “Go To” List for Slow Times
    • Creating a Fun Work Atmosphere
    • Generational Approach to Communicating
    • Challenges & Opportunities
    • Complete an Action Plan for Skills Transfer back to the Job

    Audience: New and experienced Branch Managers, Assistant Branch Managers, Teller Supervisors, Lead Universal Bankers, and any banker aspiring to lead the team in a retail branch. 

  • Managing a Successful Call Center

    Call Centers create a competitive advantage for organizations that learn to create them well; whether there are two or two hundred people answering calls. In most instances, calls are answered by an (AVRS) automated voice response system allowing the caller to participate in determining where they need to be routed. This streamlines the process; routing the person to the agent best suited to assisting the caller. While this process makes sense for the business, do callers become frustrated with being stuck in an endless loop of options to choose from so that when an agent comes on the line they are met by a frustrated caller?

    There are three key factors that must be present in order to deliver on an exceptional Call Center experience for members. The Call Center must employ effective people, have effective internal processes and have effective information technology. The primary focus for Call Center managers is to learn how to make these key factors work together effectively to deliver on the promise of a world class service delivery proposition.

    This webinar is intended to assist Call Center Managers in ensuring they have well-trained agents in the Call Center who execute their responsibilities and duties effectively, the Call Center’s internal processes are top-notch and they know how to effectively use the technology.

    In addition, Call Center managers will learn the art of coaching for improved agent performance while creating an environment that inspires and rewards high performance.

    Covered Topics
    -Establish training curriculum for Call Center Agents
    -Determine and Institute a Call Flow Guide
    -Create a motivational work environment
    -Build consistency between agents
    -Decrease member dissatisfaction
    -Reduce excessive call times
    -Practice Coaching techniques that increase agent performance

    Audience: Call Center Personnel, Supervisors, Trainers, and anyone with authority over call center contact personnel would benefit from this webinar.

  • Managing Buyer Objections and Gaining Commitment through a Professional Close - Professional Selling Skills Series

    One of the barriers to great sales success is not handling objections, followed by failing to close.  64% of salespeople fail to ask for the business.  That’s a number that’s replicated in survey after survey of salespeople. It follows, if that many salespeople aren’t asking for the business, then the percentage of salespeople not handling objections must be incredibly high, because you hear objections when you ask for the business.  In this capstone presentation of our certificate program, we will explore:

    Agenda

    • The link between objections and successful closes
    • Is it a stall or is it an objection?
    • Ask the right questions
    • Listen, answer, prove
    • Effective digital and in-person professional close
    • Handling the signing

    (Four-Part Series – You can also attend full series)

    Audience: Frontline salespeople -- such as branch managers, wealth managers, commercial lenders, mortgage and consumer lenders, and business development officers -- will find the strategies, techniques, and tools discussed will have a tremendous impact on sales growth.

  • Managing Change

    Outlines the steps and strategies to help leaders address typical responses to the effects of change and keep the lines of communication open. Provides examples of how leaders demonstrate the benefits of change, such as improved conditions and new possibilities, and share their own reactions, listen to employee feedback and show support. Focuses on ways that leaders should help individuals cope with the rapid pace of change so that they will remain productive and maintain a healthy attitude while they adjust to new situations.

    What You’ll Learn

    After successfully completing the course, you will be able to:

    • Identify the seven effects of change
    • Describe the possible reactions to change
    • Use the three-step process to communicate change and get buy-in

    Audience: Any employee responsible for leading workgroups regardless of the specific reporting relationships. This could include managers, supervisors, coaches, team leaders, and mentors

  • Managing Change

    The Managing Change course is comprised of six modules that introduce common threads in the ensuing case studies and readings on organizational change. The materials in this edition—cases and readings—have been chosen and arranged to introduce change as an integrated process. Cases in the text represent a wide variety of change situations. Accompanying many cases are readings, likewise chosen to reflect a broad range of issues. Some readings provide theoretical underpinnings for a case, supporting the action: others challenge the action with alternative viewpoints. Still others provide broader context—views of the changing world, for example, or commentaries on how we look at change; ideas that go well beyond the issues in any particular case.

    Audience: All financial services personnel.

  • Managing Fiduciary Risk and Litigation

    Explores common types of trust litigation. Explains risks associated with participation in the estate planning process, asset management, and fiduciary liability to third parties, and ways to mitigate risk in all situations. Describes ways to mitigate risks of self-dealing and prohibited transactions, and explores the risks associated with notice to beneficiaries, accounting, and discretionary distributions.

    What You’ll Learn

    After completing this course, students will be able to:

    • Identify general types of trust litigation
    • Describe situations that may contribute to risk exposure and ways to mitigate the risk

    Audience: Trust officers with at least three years of personal trust experience who need a deeper understanding of technical trust concepts and how solutions work when applied to client needs.

  • Managing Funding, Liquidity and Capital

    A summary of the bank funding types, liquidity issues and management of capital. Learn what funding is used by banks; how liquidity needs may be addressed by storing liquidity on the balance sheet or by securing additional funding; and bank capital’s purpose, regulatory requirements and the effect on profitability.

    Learning Objectives

    • Identify the risk/return characteristics and costs of various funding sources
    • Evaluate the effect of various funding sources on interest rate and liquidity risk
    • Describe various measures used to manage liquidity
    • Recognize the merits of both regulators’ and shareholders’ points of view regarding optimal capital levels
    • Prepare a capital management plan

    Audience: This course is designed for individuals involved in funding, liquidity, or capital management, or line managers making pricing, investment, or funding decisions that impact these areas.

  • Managing Funding, Liquidity and Capital

    A summary of the bank funding types, liquidity issues and management of capital. Learn what funding is used by banks; how liquidity needs may be addressed by storing liquidity on the balance sheet or by securing additional funding; and bank capital’s purpose, regulatory requirements and the effect on profitability.

    Learning Objectives

    • Identify the risk/return characteristics and costs of various funding sources
    • Evaluate the effect of various funding sources on interest rate and liquidity risk
    • Describe various measures used to manage liquidity
    • Recognize the merits of both regulators’ and shareholders’ points of view regarding optimal capital levels
    • Prepare a capital management plan

    Audience: This course is designed for individuals involved in funding, liquidity, or capital management, or line managers making pricing, investment, or funding decisions that impact these areas.

  • Managing Interest Rate Risk

    An exploration of interest rate risk measurement techniques such as GAP, earnings sensitivity analysis, Duration GAP and economic value of equity sensitivity analysis. Risk management policy implementation and how to change overall interest rate sensitivity through balance sheet adjustments or derivative contracts are discussed.

    Learning Objectives

    • Apply the mechanics of valuing cash flows including duration and price sensitivity
    • Identify the determinants of the overall level of interest rates
    • Use static GAP, duration GAP and sensitivity analysis to measure interest rate risk
    • Examine how derivatives–futures, forwards, interest rate swaps, caps, floors and collars–are used to manage interest rate risk
    • Apply course concepts to the management of interest rate risk within your bank

    Audience: Course is designed for individuals involved in asset liability management or line managers making pricing, investment, or funding decisions that impact interest rate risk.

  • Managing Interest Rate Risk

    An exploration of interest rate risk measurement techniques such as GAP, earnings sensitivity analysis, Duration GAP and economic value of equity sensitivity analysis. Risk management policy implementation and how to change overall interest rate sensitivity through balance sheet adjustments or derivative contracts are discussed.

    Learning Objectives

    • Apply the mechanics of valuing cash flows including duration and price sensitivity
    • Identify the determinants of the overall level of interest rates
    • Use static GAP, duration GAP and sensitivity analysis to measure interest rate risk
    • Examine how derivatives–futures, forwards, interest rate swaps, caps, floors and collars–are used to manage interest rate risk
    • Apply course concepts to the management of interest rate risk within your bank

    Audience: Course is designed for individuals involved in asset liability management or line managers making pricing, investment, or funding decisions that impact interest rate risk.

  • Managing Interest Rate Risk

    An exploration of interest rate risk measurement techniques such as GAP, earnings sensitivity analysis, Duration GAP and economic value of equity sensitivity analysis. Risk management policy implementation and how to change overall interest rate sensitivity through balance sheet adjustments or derivative contracts are discussed.

    Learning Objectives

    • Apply the mechanics of valuing cash flows including duration and price sensitivity
    • Identify the determinants of the overall level of interest rates
    • Use static GAP, duration GAP and sensitivity analysis to measure interest rate risk
    • Examine how derivatives–futures, forwards, interest rate swaps, caps, floors and collars–are used to manage interest rate risk
    • Apply course concepts to the management of interest rate risk within your bank

    Audience: Managing Interest Rate Risk is a rigorous course designed for individuals involved in asset liability management or line managers making pricing, investment, or funding decisions that impact interest rate risk.

  • Managing Performance

    Guides you through managing performance proactively. Learn how to leverage the three steps in the performance management cycle to ensure that your employees stay focused on – and remain accountable for – business goals and outcomes. 

    What You’ll Learn

    After successfully completing this course, you will be able to:

    • Create and modify performance objectives
    • Discuss the performance objectives with the employee
    • Determine how to monitor employee progress

    Audience: For Management and Leadership Skills. Any supervisor or manager who has responsibility for direction, documenting, and evaluating employee performance.

  • Managing Performance & Productivity

    This Managing Performance and Productivity course covers the management principles needed by today’s supervisors. It discusses how supervisors can use processes and systems to encourage maximum productivity of their employees.  Topics to be covered:  how to use an effective interview process to select the best candidate; the mentor system and techniques for training employees; establish expectations and measure productivity and performance; work simplification and time management skills; use technology to improve productivity; manage meetings and give presentations; and how to use problem-solving tools to reach results.

    Topics include:

    • Getting the Right People in the Right Jobs
    • Orienting and Training for Productivity
    • Establishing Expectations and Measuring Performance
    • Ensuring Productivity Through Systems
    • Achieving Results through Others
    • Communicating Professionally
    • Solving Problems and Challenges

    Audience: New or experienced supervisors and first-line managers or those preparing for such a role

  • Managing the Bank's Investment Portfolio

    Fundamentals for understanding the how a bank’s investment portfolio is managed. Objectives and composition of investment portfolios, and common bank investments are covered, focusing on their risk and return profiles. Various investment strategies are described and the development of bank investment policies is discussed.

    Learning Objectives
    – Identify key characteristics and calculate the return of -common investment instruments
    – Describe regulatory and accounting restrictions on bank -investment portfolios
    – Identify important elements of a bank’s investment policy and formulate an example policy
    – Compare the benefits and risk of various investment strategies
    – Evaluate the return on taxable and tax-exempt securities and instruments with prepayment risk

    Audience: This course is designed for individuals involved in managing the bank's investment portfolio.

  • Managing the Bank's Investment Portfolio

    Fundamentals for understanding how a bank’s investment portfolio is managed. Objectives and composition of investment portfolios, and common bank investments are covered, focusing on their risk and return profiles. Various investment strategies are described and the development of bank investment policies is discussed.

    Learning Objectives

    • Identify key characteristics and calculate the return of common investment instruments
    • Describe regulatory and accounting restrictions on bank investment portfolios
    • Identify important elements of a bank’s investment policy and formulate an example policy
    • Compare the benefits and risk of various investment strategies
    • Evaluate the return on taxable and tax-exempt securities and instruments with prepayment risk

    Audience: This course is designed for individuals involved in managing the bank's investment portfolio.

  • Managing the Bank's Investment Portfolio

    Fundamentals for understanding the how a bank’s investment portfolio is managed. Objectives and composition of investment portfolios, and common bank investments are covered, focusing on their risk and return profiles. Various investment strategies are described and the development of bank investment policies is discussed.

    Learning Objectives
    – Identify key characteristics and calculate the return of -common investment instruments
    – Describe regulatory and accounting restrictions on bank -investment portfolios
    – Identify important elements of a bank’s investment policy and formulate an example policy
    – Compare the benefits and risk of various investment strategies
    – Evaluate the return on taxable and tax-exempt securities and instruments with prepayment risk

    Audience: This course is designed for individuals involved in managing the bank's investment portfolio.

  • Managing the Bank's Investment Portfolio

    Fundamentals for understanding how a bank’s investment portfolio is managed. Objectives and composition of investment portfolios, and common bank investments are covered, focusing on their risk and return profiles. Various investment strategies are described and the development of bank investment policies is discussed.

    Learning Objectives

    • Identify key characteristics and calculate the return of common investment instruments
    • Describe regulatory and accounting restrictions on bank investment portfolios
    • Identify important elements of a bank’s investment policy and formulate an example policy
    • Compare the benefits and risk of various investment strategies
    • Evaluate the return on taxable and tax-exempt securities and instruments with prepayment risk

    Audience: This course is designed for individuals involved in managing the bank's investment portfolio.

  • Managing the Dynamic Nature of Client Financial Needs

    Provides techniques to develop a client profile. Explains that understanding the client in order to provide a specific service is often treated like an event which takes place during onboarding of a prospect. Explores how to make the client profiling experience an ongoing process so advisors can always be of value to their clients by addressing continually evolving needs and expectations.

    What You’ll Learn

    After completing this course, students will be able to:

    • Explain the dynamic nature of a client’s financial life and the importance of managing the client profile as a living, evolving document
    • Engage clients in an ongoing conversation to gather new or changed information about their financial lives
    • Integrate new information or changes in a client’s life into the creation and delivery of advice and services

    Audience: Client-facing wealth advisors (fiduciary [trust] advisors, portfolio managers, bankers, planners) with at least one year of wealth management-related experience who want to enhance their competency in serving clients through ongoing day-to-day activities as well as anticipated and unexpected extraordinary events in their financial lives.

  • Managing Time at Work

    Explains how to create daily plans that focus on business priorities by using techniques to manage the work area, interruptions, telephone calls, and other daily activities that take valuable time away from the workday to be more productive.

    What You’ll Learn

    After successfully completing this course, you will be able to:

    • Plan time effectively
    • Create a task management plan
    • Organize the workspace
    • Manage interruptions and daily activities

    Audience: Bank personnel who are not currently using an organized method to plan and manage their time or who want a refresher. This includes any bank employees who are responsible for completing varied tasks in a typical day.

  • Managing Your Time and Schedules - Excellence in Client Service Series

    Participants learn to maximize work time through managing disruptions,
    improving productivity, to improve service to internal and external clients. We cover:

    Agenda

    • Managing the biggest interrupters – other humans
    • Managing organization processes that steal time
    • What should I do first?
    • What should I do when nothing is happening?
    • When should I do which tasks (day of the week, time of the week, etc.)?
    • Design your personal game plan for managing time and schedule

     

    (Four-Part Series – You can also just attend an individual session)

    Audience:

  • Marketing

    This Marketing course is ACE recommended for College Credit Transfer!

    The primary objective of this Marketing course is to provide materials that not only introduce the student to the field of services marketing, but also acquaint the student with specific customer service issues. The business world now demands, in addition to traditional business knowledge, increasing employee competence in customer satisfaction, service quality, and customer service – skills that are essential in sustaining the existing customer base.

    Textbook chapter topics include:

    • Introduction to Services
    • The Gaps Model of Service Quality
    • Consumer Behavior in Services
    • Customer Expectations of Service
    • Customer Perceptions of Service
    • Listening to Customers through Research
    • Building Customer Relationships
    • Service Recovery
    • Aligning Service Design and Standards
    • Customer-Defined Service Standard
    • Physical Evidence and the Servicescape
    • Employees’ Roles in Service Delivery
    • Customers’ Roles in Service Delivery
    • Delivering Service through Intermediaries and Electronic Channels
    • Managing Demand and Capacity
    • Integrated Services Marketing Communications
    • Pricing of Services
    • The Financial and Economic Impact of Service

    Audience: Students who have not had a formal course in marketing and who wish to increase their understanding of all facets of marketing.

  • Marketing

    The primary objective of this Marketing course is to provide materials that not only introduce the student to the field of services marketing, but also acquaint the student with specific customer service issues. The business world now demands, in addition to traditional business knowledge, increasing employee competence in customer satisfaction, service quality, and customer service – skills that are essential in sustaining the existing customer base.

    Textbook chapter topics include:

    • Introduction to Services
    • The Gaps Model of Service Quality
    • Consumer Behavior in Services
    • Customer Expectations of Service
    • Customer Perceptions of Service
    • Listening to Customers through Research
    • Building Customer Relationships
    • Service Recovery
    • Aligning Service Design and Standards
    • Customer-Defined Service Standard
    • Physical Evidence and the Servicescape
    • Employees’ Roles in Service Delivery
    • Customers’ Roles in Service Delivery
    • Delivering Service through Intermediaries and Electronic Channels
    • Managing Demand and Capacity
    • Integrated Services Marketing Communications
    • Pricing of Services
    • The Financial and Economic Impact of Service

    Audience: Students who have not had a formal course in marketing and who wish to increase their understanding of all facets of marketing.

  • Marketing

    The primary objective of this Marketing course is to provide materials that not only introduce the student to the field of services marketing, but also acquaint the student with specific customer service issues. The business world now demands, in addition to traditional business knowledge, increasing employee competence in customer satisfaction, service quality, and customer service – skills that are essential in sustaining the existing customer base.

    Textbook chapter topics include:

    • Introduction to Services
    • The Gaps Model of Service Quality
    • Consumer Behavior in Services
    • Customer Expectations of Service
    • Customer Perceptions of Service
    • Listening to Customers through Research
    • Building Customer Relationships
    • Service Recovery
    • Aligning Service Design and Standards
    • Customer-Defined Service Standard
    • Physical Evidence and the Servicescape
    • Employees’ Roles in Service Delivery
    • Customers’ Roles in Service Delivery
    • Delivering Service through Intermediaries and Electronic Channels
    • Managing Demand and Capacity
    • Integrated Services Marketing Communications
    • Pricing of Services
    • The Financial and Economic Impact of Service

    Audience: Students who have not had a formal course in marketing and who wish to increase their understanding of all facets of marketing.

  • Marketing

    The primary objective of this Marketing course is to provide materials that not only introduce the student to the field of services marketing, but also acquaint the student with specific customer service issues. The business world now demands, in addition to traditional business knowledge, increasing employee competence in customer satisfaction, service quality, and customer service – skills that are essential in sustaining the existing customer base.

    Textbook chapter topics include:

    • Introduction to Services
    • The Gaps Model of Service Quality
    • Consumer Behavior in Services
    • Customer Expectations of Service
    • Customer Perceptions of Service
    • Listening to Customers through Research
    • Building Customer Relationships
    • Service Recovery
    • Aligning Service Design and Standards
    • Customer-Defined Service Standard
    • Physical Evidence and the Servicescape
    • Employees’ Roles in Service Delivery
    • Customers’ Roles in Service Delivery
    • Delivering Service through Intermediaries and Electronic Channels
    • Managing Demand and Capacity
    • Integrated Services Marketing Communications
    • Pricing of Services
    • The Financial and Economic Impact of Service

    Audience: Students who have not had a formal course in marketing and who wish to increase their understanding of all facets of marketing.

  • Marketing

    The primary objective of this Marketing course is to provide materials that not only introduce the student to the field of services marketing, but also acquaint the student with specific customer service issues. The business world now demands, in addition to traditional business knowledge, increasing employee competence in customer satisfaction, service quality, and customer service – skills that are essential in sustaining the existing customer base.

    Textbook chapter topics include:

    • Introduction to Services
    • The Gaps Model of Service Quality
    • Consumer Behavior in Services
    • Customer Expectations of Service
    • Customer Perceptions of Service
    • Listening to Customers through Research
    • Building Customer Relationships
    • Service Recovery
    • Aligning Service Design and Standards
    • Customer-Defined Service Standard
    • Physical Evidence and the Servicescape
    • Employees’ Roles in Service Delivery
    • Customers’ Roles in Service Delivery
    • Delivering Service through Intermediaries and Electronic Channels
    • Managing Demand and Capacity
    • Integrated Services Marketing Communications
    • Pricing of Services
    • The Financial and Economic Impact of Service

    Audience: Students who have not had a formal course in marketing and who wish to increase their understanding of all facets of marketing.

  • Marketing

    The primary objective of this Marketing course is to provide materials that not only introduce the student to the field of services marketing, but also acquaint the student with specific customer service issues. The business world now demands, in addition to traditional business knowledge, increasing employee competence in customer satisfaction, service quality, and customer service – skills that are essential in sustaining the existing customer base.

    Textbook chapter topics include:

    • Introduction to Services
    • The Gaps Model of Service Quality
    • Consumer Behavior in Services
    • Customer Expectations of Service
    • Customer Perceptions of Service
    • Listening to Customers through Research
    • Building Customer Relationships
    • Service Recovery
    • Aligning Service Design and Standards
    • Customer-Defined Service Standard
    • Physical Evidence and the Servicescape
    • Employees’ Roles in Service Delivery
    • Customers’ Roles in Service Delivery
    • Delivering Service through Intermediaries and Electronic Channels
    • Managing Demand and Capacity
    • Integrated Services Marketing Communications
    • Pricing of Services
    • The Financial and Economic Impact of Service

    Audience: Students who have not had a formal course in marketing and who wish to increase their understanding of all facets of marketing.

  • Marketing

    The primary objective of this Marketing course is to provide materials that not only introduce the student to the field of services marketing, but also acquaint the student with specific customer service issues. The business world now demands, in addition to traditional business knowledge, increasing employee competence in customer satisfaction, service quality, and customer service – skills that are essential in sustaining the existing customer base.

    Textbook chapter topics include:

    • Introduction to Services
    • The Gaps Model of Service Quality
    • Consumer Behavior in Services
    • Customer Expectations of Service
    • Customer Perceptions of Service
    • Listening to Customers through Research
    • Building Customer Relationships
    • Service Recovery
    • Aligning Service Design and Standards
    • Customer-Defined Service Standard
    • Physical Evidence and the Servicescape
    • Employees’ Roles in Service Delivery
    • Customers’ Roles in Service Delivery
    • Delivering Service through Intermediaries and Electronic Channels
    • Managing Demand and Capacity
    • Integrated Services Marketing Communications
    • Pricing of Services
    • The Financial and Economic Impact of Service

    Audience: Students who have not had a formal course in marketing and who wish to increase their understanding of all facets of marketing.

  • Marketing

    The primary objective of this Marketing course is to provide materials that not only introduce the student to the field of services marketing, but also acquaint the student with specific customer service issues. The business world now demands, in addition to traditional business knowledge, increasing employee competence in customer satisfaction, service quality, and customer service – skills that are essential in sustaining the existing customer base.

    Textbook chapter topics include:

    • Introduction to Services
    • The Gaps Model of Service Quality
    • Consumer Behavior in Services
    • Customer Expectations of Service
    • Customer Perceptions of Service
    • Listening to Customers through Research
    • Building Customer Relationships
    • Service Recovery
    • Aligning Service Design and Standards
    • Customer-Defined Service Standard
    • Physical Evidence and the Servicescape
    • Employees’ Roles in Service Delivery
    • Customers’ Roles in Service Delivery
    • Delivering Service through Intermediaries and Electronic Channels
    • Managing Demand and Capacity
    • Integrated Services Marketing Communications
    • Pricing of Services
    • The Financial and Economic Impact of Service

    Audience: Students who have not had a formal course in marketing and who wish to increase their understanding of all facets of marketing.

  • Marketing

    The primary objective of this Marketing course is to provide materials that not only introduce the student to the field of services marketing, but also acquaint the student with specific customer service issues. The business world now demands, in addition to traditional business knowledge, increasing employee competence in customer satisfaction, service quality, and customer service – skills that are essential in sustaining the existing customer base.

    Textbook chapter topics include:

    • Introduction to Services
    • The Gaps Model of Service Quality
    • Consumer Behavior in Services
    • Customer Expectations of Service
    • Customer Perceptions of Service
    • Listening to Customers through Research
    • Building Customer Relationships
    • Service Recovery
    • Aligning Service Design and Standards
    • Customer-Defined Service Standard
    • Physical Evidence and the Servicescape
    • Employees’ Roles in Service Delivery
    • Customers’ Roles in Service Delivery
    • Delivering Service through Intermediaries and Electronic Channels
    • Managing Demand and Capacity
    • Integrated Services Marketing Communications
    • Pricing of Services
    • The Financial and Economic Impact of Service

    Audience: Students who have not had a formal course in marketing and who wish to increase their understanding of all facets of marketing.

  • Marketing

    The primary objective of this Marketing course is to provide materials that not only introduce the student to the field of services marketing, but also acquaint the student with specific customer service issues. The business world now demands, in addition to traditional business knowledge, increasing employee competence in customer satisfaction, service quality, and customer service – skills that are essential in sustaining the existing customer base.

    Textbook chapter topics include:

    • Introduction to Services
    • The Gaps Model of Service Quality
    • Consumer Behavior in Services
    • Customer Expectations of Service
    • Customer Perceptions of Service
    • Listening to Customers through Research
    • Building Customer Relationships
    • Service Recovery
    • Aligning Service Design and Standards
    • Customer-Defined Service Standard
    • Physical Evidence and the Servicescape
    • Employees’ Roles in Service Delivery
    • Customers’ Roles in Service Delivery
    • Delivering Service through Intermediaries and Electronic Channels
    • Managing Demand and Capacity
    • Integrated Services Marketing Communications
    • Pricing of Services
    • The Financial and Economic Impact of Service

    Audience: Students who have not had a formal course in marketing and who wish to increase their understanding of all facets of marketing.

  • Marketing

    The primary objective of this Marketing course is to provide materials that not only introduce the student to the field of services marketing, but also acquaint the student with specific customer service issues. The business world now demands, in addition to traditional business knowledge, increasing employee competence in customer satisfaction, service quality, and customer service – skills that are essential in sustaining the existing customer base.

    Textbook chapter topics include:

    • Introduction to Services
    • The Gaps Model of Service Quality
    • Consumer Behavior in Services
    • Customer Expectations of Service
    • Customer Perceptions of Service
    • Listening to Customers through Research
    • Building Customer Relationships
    • Service Recovery
    • Aligning Service Design and Standards
    • Customer-Defined Service Standard
    • Physical Evidence and the Servicescape
    • Employees’ Roles in Service Delivery
    • Customers’ Roles in Service Delivery
    • Delivering Service through Intermediaries and Electronic Channels
    • Managing Demand and Capacity
    • Integrated Services Marketing Communications
    • Pricing of Services
    • The Financial and Economic Impact of Service

    Audience: Students who have not had a formal course in marketing and who wish to increase their understanding of all facets of marketing.

  • Marketing

    The primary objective of this Marketing course is to provide materials that not only introduce the student to the field of services marketing, but also acquaint the student with specific customer service issues. The business world now demands, in addition to traditional business knowledge, increasing employee competence in customer satisfaction, service quality, and customer service – skills that are essential in sustaining the existing customer base.

    Textbook chapter topics include:

    • Introduction to Services
    • The Gaps Model of Service Quality
    • Consumer Behavior in Services
    • Customer Expectations of Service
    • Customer Perceptions of Service
    • Listening to Customers through Research
    • Building Customer Relationships
    • Service Recovery
    • Aligning Service Design and Standards
    • Customer-Defined Service Standard
    • Physical Evidence and the Servicescape
    • Employees’ Roles in Service Delivery
    • Customers’ Roles in Service Delivery
    • Delivering Service through Intermediaries and Electronic Channels
    • Managing Demand and Capacity
    • Integrated Services Marketing Communications
    • Pricing of Services
    • The Financial and Economic Impact of Service

    Audience: Students who have not had a formal course in marketing and who wish to increase their understanding of all facets of marketing.

  • Marketing

    The primary objective of this Marketing course is to provide materials that not only introduce the student to the field of services marketing, but also acquaint the student with specific customer service issues. The business world now demands, in addition to traditional business knowledge, increasing employee competence in customer satisfaction, service quality, and customer service – skills that are essential in sustaining the existing customer base.

    Textbook chapter topics include:

    • Introduction to Services
    • The Gaps Model of Service Quality
    • Consumer Behavior in Services
    • Customer Expectations of Service
    • Customer Perceptions of Service
    • Listening to Customers through Research
    • Building Customer Relationships
    • Service Recovery
    • Aligning Service Design and Standards
    • Customer-Defined Service Standard
    • Physical Evidence and the Servicescape
    • Employees’ Roles in Service Delivery
    • Customers’ Roles in Service Delivery
    • Delivering Service through Intermediaries and Electronic Channels
    • Managing Demand and Capacity
    • Integrated Services Marketing Communications
    • Pricing of Services
    • The Financial and Economic Impact of Service

    Audience: Students who have not had a formal course in marketing and who wish to increase their understanding of all facets of marketing.

  • Marketing

    The primary objective of this Marketing course is to provide materials that not only introduce the student to the field of services marketing, but also acquaint the student with specific customer service issues. The business world now demands, in addition to traditional business knowledge, increasing employee competence in customer satisfaction, service quality, and customer service – skills that are essential in sustaining the existing customer base.

    Textbook chapter topics include:

    • Introduction to Services
    • The Gaps Model of Service Quality
    • Consumer Behavior in Services
    • Customer Expectations of Service
    • Customer Perceptions of Service
    • Listening to Customers through Research
    • Building Customer Relationships
    • Service Recovery
    • Aligning Service Design and Standards
    • Customer-Defined Service Standard
    • Physical Evidence and the Servicescape
    • Employees’ Roles in Service Delivery
    • Customers’ Roles in Service Delivery
    • Delivering Service through Intermediaries and Electronic Channels
    • Managing Demand and Capacity
    • Integrated Services Marketing Communications
    • Pricing of Services
    • The Financial and Economic Impact of Service

    Audience: Students who have not had a formal course in marketing and who wish to increase their understanding of all facets of marketing.

  • Marketing

    This Marketing course is ACE recommended for College Credit Transfer!

    The primary objective of this Marketing course is to provide materials that not only introduce the student to the field of services marketing, but also acquaint the student with specific customer service issues. The business world now demands, in addition to traditional business knowledge, increasing employee competence in customer satisfaction, service quality, and customer service – skills that are essential in sustaining the existing customer base.

    Textbook chapter topics include:

    • Introduction to Services
    • The Gaps Model of Service Quality
    • Consumer Behavior in Services
    • Customer Expectations of Service
    • Customer Perceptions of Service
    • Listening to Customers through Research
    • Building Customer Relationships
    • Service Recovery
    • Aligning Service Design and Standards
    • Customer-Defined Service Standard
    • Physical Evidence and the Servicescape
    • Employees’ Roles in Service Delivery
    • Customers’ Roles in Service Delivery
    • Delivering Service through Intermediaries and Electronic
      Channels
    • Managing Demand and Capacity
    • Integrated Services Marketing Communications
    • Pricing of Services
    • The Financial and Economic Impact of Service

    Audience: Students who have not had a formal course in marketing and who wish to increase their understanding of all facets of marketing.

  • Marketing

    The primary objective of this Marketing course is to provide materials that not only introduce the student to the field of services marketing, but also acquaint the student with specific customer service issues. The business world now demands, in addition to traditional business knowledge, increasing employee competence in customer satisfaction, service quality, and customer service – skills that are essential in sustaining the existing customer base.

    Textbook chapter topics include:

    • Introduction to Services
    • The Gaps Model of Service Quality
    • Consumer Behavior in Services
    • Customer Expectations of Service
    • Customer Perceptions of Service
    • Listening to Customers through Research
    • Building Customer Relationships
    • Service Recovery
    • Aligning Service Design and Standards
    • Customer-Defined Service Standard
    • Physical Evidence and the Servicescape
    • Employees’ Roles in Service Delivery
    • Customers’ Roles in Service Delivery
    • Delivering Service through Intermediaries and Electronic Channels
    • Managing Demand and Capacity
    • Integrated Services Marketing Communications
    • Pricing of Services
    • The Financial and Economic Impact of Service

    Audience: Students who have not had a formal course in marketing and who wish to increase their understanding of all facets of marketing.

  • Marketing - Campaigns in Community Banking

    Learn to build out a high-level campaign through using your content, connection and conversion. Explore the five “musts” for any successful marketing campaign.

    Part of the Marketing in the Age of Distraction series, presented by John Oxford

    What You’ll Learn

    • Build out a high-level campaign using your content
    • Understand how to get from connection to conversion
    • Understand the five “musts” for any successful marketing campaign

    Audience: Bank marketers at all levels, Chief Retail Banking Officers, Customer Experience and Strategy Officers, Regional Branch Managers, Branch Managers, Call Center Managers, Customer and Call Center Representatives

  • Marketing - Case Study in Community Banking

    Learn why the traditional Four P’s of marketing are replaced with the Four C’s of modern marketing. Provides a high-level discussion of Content, Connection, Conversion and Campaigns to pivot marketing for today’s consumers’ consumption preferences.

    Part of the Marketing in the Age of Distraction series, presented by John Oxford

    What You’ll Learn

    • Understand why the Four Ps of marketing have pivoted to the Four Cs of marketing
    • Learn how to develop a marketing plan for modern consumers’ consumption preferences using The Four Cs: Content, Connection, Conversion and Campaigns

    Audience: Bank marketers at all levels, Chief Retail Banking Officers, Customer Experience and Strategy Officers, Regional Branch Managers, Branch Managers, Call Center Managers, Customer and Call Center Representatives

  • Marketing - Content Opportunities in Community Banking

    Learn why content is king in today’s marketing, what narrative you should work towards with your brand and the great eight points of content marketing execution.

    Part of the Marketing in the Age of Distraction series, presented by John Oxford

    What You’ll Learn

    • Understand why content is the focal point of modern marketing
    • Establish a narrative that works with your brand
    • Use the eight great points of content marketing execution

    Audience: Bank marketers at all levels, Chief Retail Banking Officers, Customer Experience and Strategy Officers, Regional Branch Managers, Branch Managers, Call Center Managers, Customer and Call Center Representatives

  • Marketing - Conversion in Community Banking

    Learn the conversion strategies, tactical advice on converting your marketing, and the great eight of conversion execution.

    Part of the Marketing in the Age of Distraction series, presented by John Oxford

    What You’ll Learn

    • Understand the eight new conversion execution strategies
    • Employ new converting tactics to increase your marketing investment

    Audience: Bank marketers at all levels, Chief Retail Banking Officers, Customer Experience and Strategy Officers, Regional Branch Managers, Branch Managers, Call Center Managers, Customer and Call Center Representatives

  • Marketing Financial Services

    The primary objective of this Marketing course is to provide materials that not only introduce the student to the field of services marketing, but also acquaint the student with specific customer service issues. The business world now demands, in addition to traditional business knowledge, increasing employee competence in customer satisfaction, service quality, and customer service – skills that are essential in sustaining the existing customer base.

    Audience: n/a

  • Marketing in a Digital World

    Marketing in a Digital World, a six-course series, shows you how to break through the noise and reach your target audiences. You’ll learn to leverage Facebook, LinkedIn, and Twitter to expand your reach and build your bank’s brand. You’ll explore the latest strategies for crafting digital campaigns, including optimizing for search and which paid options can best engage your target audiences. Examples of successful campaigns by other financial institutions make it easy to put your ideas into action.

    Produced by Mindset Digital

    Courses

    Bonus Material includes introductions to digital marketing and social marketing approaches, examples of digital marketing in action, and case studies to help you put social campaigns into action.

    Audience: For bank marketing professionals looking to enhance their skills in social media channels, for marketing professionals new to the banking industry, or for staff with a marketing responsibility at a bank with limited marketing resources.

  • Marketing in a Digital World: Digital Campaigns

    Marketing in a Digital World: Digital Campaigns is a three-course series that shows you what digital advertising is and why it’s an important component of your bank’s marketing strategy. You’ll uncover the role of search engine optimization (SEO) in getting seen by customers, and see why marketing on mobile devices deserves special considerations.

    Produced by Mindset Digital

    Courses

    Bonus Material includes an introduction to digital marketing approaches and examples of digital marketing in action.

    Audience: For bank marketing professionals looking to enhance their skills in social media channels, for marketing professionals new to the banking industry, or for staff with a marketing responsibility at a bank with limited marketing resources

  • Marketing in a Digital World: Social Campaigns

    In Marketing in a Digital World: Social Campaigns, a three-course series, you’ll learn how to expand your reach and build your brand using Facebook, LinkedIn, and Twitter. You’ll see why social networks must be part of an integrated marketing strategy to share your bank’s story, connect with customers and prospects, and build brand loyalty.

    Produced by Mindset Digital

    Courses

    Bonus Material includes an introduction to social marketing approaches and case studies to help you put campaigns into action.

    Audience: Marketing professionals, and any bank employee who uses Facebook, LinkedIn or Twitter to promote the bank's brand, products, and services.

  • Marketing in Banking

    This four-week long, entry-level course builds a strong foundation for grasping bank marketing functions. Dive into the core responsibilities of bank marketing, examine how marketing may be structured, know the regulations affecting bank marketing activities, and discover how to assess financial performance.

    Learning Objectives

    • Clarify the role of marketing in bank performance management
    • Identify the core responsibilities typically assigned to marketing
    • Understand how to review a bank’s balance sheet and income statement

    There is no separate textbook for this course. All reading materials are posted online in the course.

    Audience: For new bank staff with marketing responsibility, employees interested in discovering the role of marketing within a financial institution, and marketing professionals new to the banking industry.

  • Marketing in Banking

    This four-week long, entry-level course builds a strong foundation for grasping bank marketing functions. Dive into the core responsibilities of bank marketing, examine how marketing may be structured, know the regulations affecting bank marketing activities, and discover how to assess financial performance.

    Learning Objectives

    • Clarify the role of marketing in bank performance management
    • Identify the core responsibilities typically assigned to marketing
    • Understand how to review a bank’s balance sheet and income statement

    There is no separate textbook for this course. All reading materials are posted online in the course.

    Audience: For new bank staff with marketing responsibility, employees interested in discovering the role of marketing within a financial institution, and marketing professionals new to the banking industry.

  • Marketing in the Age of Distraction

    Gaining your customer’s attention is one of the toughest challenges marketers face today. Best-selling author and bank marketing expert John Oxford shows you how to use content, data and branding to build a cohesive, multi-channel modern marketing campaign that will get—and keep—your customers’ attention.

    Series Includes: 

    Audience: Bank marketers at all levels, Chief Retail Banking Officers, Customer Experience and Strategy Officers, Regional Branch Managers, Branch Managers, Call Center Managers, Customer and Call Center Representatives

  • Marketing Management

    Establish a working knowledge of marketing management. Examine best practices for managing public relations and digital marketing campaigns, as well as ongoing brand management. Learn how to prioritize projects, assess performance, and balance resources. Explore ways to deliver strong return on investment (ROI).

    Learning Objectives

    • Identify the key management areas assigned to marketing
    • Clarify the purpose and benefit of public relations
    • Explain the importance of data management and direct marketing
    • Examine activities that improve customer experience management
    • Evaluate how to assess your return on marketing investment

    There is no separate textbook for this course. All reading materials are posted online in the course.

    Audience: For new bank staff with a marketing responsibility, for employees interested in taking an active role in the management of bank marketing and for marketing professionals new to the banking industry.

  • Marketing Management

    Establish a working knowledge of marketing management. Examine best practices for managing public relations and digital marketing campaigns, as well as ongoing brand management. Learn how to prioritize projects, assess performance, and balance resources. Explore ways to deliver strong return on investment (ROI).

    Learning Objectives

    • Identify the key management areas assigned to marketing
    • Clarify the purpose and benefit of public relations
    • Explain the importance of data management and direct marketing
    • Examine activities that improve customer experience management
    • Evaluate how to assess your return on marketing investment

    There is no separate textbook for this course. All reading materials are posted online in the course.

    Audience: For new bank staff with a marketing responsibility, for employees interested in taking an active role in the management of bank marketing and for marketing professionals new to the banking industry.

  • Marketing Management

    Establish a working knowledge of marketing management. Examine best practices for managing public relations and digital marketing campaigns, as well as ongoing brand management. Learn how to prioritize projects, assess performance, and balance resources. Explore ways to deliver strong return on investment (ROI).

    Learning Objectives

    • Identify the key management areas assigned to marketing
    • Clarify the purpose and benefit of public relations
    • Explain the importance of data management and direct marketing
    • Examine activities that improve customer experience management
    • Evaluate how to assess your return on marketing investment

    There is no separate textbook for this course. All reading materials are posted online in the course.

    Audience: For new bank staff with a marketing responsibility, for employees interested in taking an active role in the management of bank marketing and for marketing professionals new to the banking industry.

  • Marketing Planning

    This four-week long, foundational course develops skills for preparing a comprehensive strategic marketing plan that follows best practices. Learn how to assess customers and trade area opportunities. Discover ways to integrate this information into a situational analysis – then create an action plan and develop a budget.

    Learning Objectives

    • Take a deep dive into customer and market research, market segmentation, and product focus
    • Define the structure for marketing objectives and goals
    • Understand the sequence for creating vision, mission, values and a competitive advantage
    • Identify the best path for documenting marketing plans

    There is no separate textbook for this course. All reading materials are posted online in the course.

    Audience: For new bank staff with marketing responsibility, employees interested in taking an active role in the management of bank marketing, and marketing professionals new to the banking industry

  • Marketing Planning

    This four-week long, foundational course develops skills for preparing a comprehensive strategic marketing plan that follows best practices. Learn how to assess customers and trade area opportunities. Discover ways to integrate this information into a situational analysis – then create an action plan and develop a budget.

    Learning Objectives

    • Take a deep dive into customer and market research, market segmentation, and product focus
    • Define the structure for marketing objectives and goals
    • Understand the sequence for creating vision, mission, values and a competitive advantage
    • Identify the best path for documenting marketing plans

    Audience: For new bank staff with marketing responsibility, employees interested in taking an active role in the management of bank marketing, and marketing professionals new to the banking industry

  • Marketing Planning

    This four-week long, foundational course develops skills for preparing a comprehensive strategic marketing plan that follows best practices. Learn how to assess customers and trade area opportunities. Discover ways to integrate this information into a situational analysis – then create an action plan and develop a budget.

    Learning Objectives

    • Take a deep dive into customer and market research, market segmentation, and product focus
    • Define the structure for marketing objectives and goals
    • Understand the sequence for creating vision, mission, values and a competitive advantage
    • Identify the best path for documenting marketing plans

    There is no separate textbook for this course. All reading materials are posted online in the course.

    Audience: For new bank staff with marketing responsibility, employees interested in taking an active role in the management of bank marketing, and marketing professionals new to the banking industry.

  • Marketing – Connecting With Your Audience in Community Banking

    Learn to connect your brand with your audience, tactical pointers for better connection, and the great eight of connecting your content with your audience..

    Part of the Marketing in the Age of Distraction series, presented by John Oxford

    What You’ll Learn

    • Understand how to connect your brand with your audience
    • Use new tactics to establish stronger audience connections
    • Better connect your content with your audience

    Audience: Bank marketers at all levels, Chief Retail Banking Officers, Customer Experience and Strategy Officers, Regional Branch Managers, Branch Managers, Call Center Managers, Customer and Call Center Representatives

  • Mastering the Art of Inquiry

    Covers the “How to” practicum to raise advisors competency and comfort with asking meaningful, probing questions, and let responses guide subsequent questions in order to understand all aspects of prospect or client’s financial life and all vectors, and how to do so in a natural, conversational manner.

    What You’ll Learn

    After completing this course, students will be able to:

    • Describe the purpose and value of inquiry
    • Ask difficult questions and navigate necessary yet uncomfortable conversations with clients
    • Ask and follow up on different types of questions to deepen knowledge about clients
    • Examine the qualities and characteristics of effective inquiry for meaningful exchanges of information with clients
    • Explore additional techniques and do’s and don’ts to enhance inquiry skills

    Audience: Client-facing wealth advisors (fiduciary [trust] advisors, portfolio managers, bankers, planners) with at least one year of wealth management-related experience who want to enhance their client engagement acumen by using their natural curiosity to deepen relationships.

  • Matching Your Words to Your Movement

    Discover how simple things like gestures, facial expressions and breathing, among others, can impact the message you’re trying to send. Learn how to ensure your body language creates intentional, honest and meaningful conversations.

    Part of the Body Language Basics series, presented by Tonya Gossage

    What You’ll Learn

    • Use four methods to practice consistent non-verbal communication 
    • Understand honest communication
    • Identify the involuntary movements that impact communication 

    Audience: All audiences, including Customer Service Representatives, Managers, Lenders, Sales-Oriented Positions, Retail Banking Officers, Branch Managers, Administration Officers

  • Member Business Loans

    Audience:

  • Military Lending Act

    Covers the U.S. Department of Defense (DoD) Military Lending Act (MLA). Explains how the regulation imposes strict requirements on covered loans made to military personnel and their families. Discusses the expanded coverage of the MLA, its numerous restrictions and requirements, determination of military status, and the penalties for noncompliance. 

    What You’ll Learn

    After completing this course, students will be able to:

    • Explain the background and purpose of the MLA rule
    • Define key terminology in the MLA rule
    • Identify a covered borrower
    • Explain prohibited terms in covered loans made to military personnel and their spouses and dependents
    • Identify the disclosures covered borrowers must receive under the MLA
    • Identify the penalties for non-compliance

    Audience: Any staff that takes consumer loan applications and consumer lending staff including underwriters.

  • Mitigating Potential Fraud in Your Organization

    A detailed look at mortgage fraud characteristics, the ways individuals or groups perpetrate fraud in a mortgage transaction, and strategies for MLOs to detect and reduce mortgage fraud. The course includes an overview of U.S. mortgage fraud statistics, including prevalence, trends and geographic risk indicators, as well as fraud reporting requirements, including when ad how to file reports through a Suspicious Activity Report (SAR), and the laws that affect controls and compliance measures that lenders and loan origination organizations must have in place.

    Produced by Ellie Mae/ AllRegs®

    What You’ll Learn

    After successfully completing this course, you will be able to:

    • List key characteristics of mortgage fraud
    • Describe common mortgage fraud schemes
    • List the requirements for reporting mortgage fraud
    • Summarize the process for reporting mortgage fraud
    • Explain strategies to manage fraud risks

    Audience: Lending operations staff, including: Loan Originators, Underwriters, Processors.

  • Money & Banking

    The Money and Banking course is ACE recommended for college credit transfer!

    The Money and Banking course teaches the role of money, credit, and financial institutions in the U.S. economy. Topics include commercial banks, thrifts, credit unions, the Federal Reserve system, credit markets, and monetary theory and policy.  It emphasizes the effects of structural change, globalization, financial innovation, and technology on the financial environment. 

    Textbook chapter topics include:

    • An Introduction to Money and the Financial System
    • Money and the Payment System
    • Financial Instruments, Financial Markets, and Financial Institutions
    • Understanding Risk
    • Bonds, Bond Prices, and the Determination of Interest Rates
    • The Risk and Term Structure of Interest Rates
    • Stocks, Stock Markets, and Market Efficiency
    • Derivates: Futures, Options, and Swamps
    • Foreign Exchange
    • The Economics of Financial Intermediation
    • Depository Institutions: Banks and Bank Management
    • Financial Industry Structure
    • Central Banks in the World Today
    • The Trust of Central Banks: The Federal Reserve and the European Central Bank
    • The Central Bank Balance Sheet and the Money Supply Process
    • Monetary Policy: Using Interest Rates to Stabilize the Domestic Economy
    • Exchange-Rate Policy and the Central Bank
    • Money Growth, Money Demand, and Modern Monetary Policy
    • Output, Inflation, and Monetary Policy
    • Understanding Business cycle Fluctuations
    • Modern Monetary Policy and the Challenges Facing Central Bankers

    Audience: Bank personnel who have not had a formal course in money and banking and who wish to increase their understanding of the banking industry; officer trainees through the mid-management level

  • Money and Banking

    The Money and Banking course teaches the role of money, credit, and financial institutions in the U.S. economy. Topics include commercial banks, thrifts, credit unions, the Federal Reserve system, credit markets, and monetary theory and policy.  It emphasizes the effects of structural change, globalization, financial innovation, and technology on the financial environment. 

    Textbook chapter topics include:

    • An Introduction to Money and the Financial System
    • Money and the Payment System
    • Financial Instruments, Financial Markets, and Financial Institutions
    • Understanding Risk
    • Bonds, Bond Prices, and the Determination of Interest Rates
    • The Risk and Term Structure of Interest Rates
    • Stocks, Stock Markets, and Market Efficiency
    • Derivates: Futures, Options, and Swamps
    • Foreign Exchange
    • The Economics of Financial Intermediation
    • Depository Institutions: Banks and Bank Management
    • Financial Industry Structure
    • Central Banks in the World Today
    • The Trust of Central Banks: The Federal Reserve and the European Central Bank
    • The Central Bank Balance Sheet and the Money Supply Process
    • Monetary Policy: Using Interest Rates to Stabilize the Domestic Economy
    • Exchange-Rate Policy and the Central Bank
    • Money Growth, Money Demand, and Modern Monetary Policy
    • Output, Inflation, and Monetary Policy
    • Understanding Business cycle Fluctuations
    • Modern Monetary Policy and the Challenges Facing Central Bankers

    Audience: Bank personnel who have not had a formal course in money and banking and who wish to increase their understanding of the banking industry; officer trainees through the mid-management level.

  • Money and Banking

    A fundamental study of how money functions in the U.S. and world economies. How money supply, the banking system, the Federal Reserve and the federal government are all interrelated, and how changes in the financial system can affect individuals, businesses and governments on a world-wide basis are covered.

    Learning Objectives

    • Describe the functions of money and our payments system
    • Connect the time value of money with financial markets and their assets
    • Identify the business of banking and the interrelationship with government regulation
    • Compare the various monetary theories and how they relate to macro and international economics
    • Summarize the structure of the Federal Reserve System and understand the tools and goals of Monetary Policy

    Audience: Bank personnel who have not had a formal course in money and banking and who wish to increase their understanding of the banking industry; officer trainees through the mid-management level

  • Money and Banking

    A fundamental study of how money functions in the U.S. and world economies. How money supply, the banking system, the Federal Reserve and the federal government are all interrelated, and how changes in the financial system can affect individuals, businesses and governments on a world-wide basis are covered.

    Learning Objectives

    • Describe the functions of money and our payments system
    • Connect the time value of money with financial markets and their assets
    • Identify the business of banking and the interrelationship with government regulation
    • Compare the various monetary theories and how they relate to macro and international economics
    • Summarize the structure of the Federal Reserve System and understand the tools and goals of Monetary Policy

    Audience: Bank personnel who have not had a formal course in money and banking and who wish to increase their understanding of the banking industry; officer trainees through the mid-management level

  • Money and Banking

    A fundamental study of how money functions in the U.S. and world economies. How money supply, the banking system, the Federal Reserve and the federal government are all interrelated, and how changes in the financial system can affect individuals, businesses and governments on a world-wide basis are covered.

    Learning Objectives

    • Describe the functions of money and our payments system
    • Connect the time value of money with financial markets and their assets
    • Identify the business of banking and the interrelationship with government regulation
    • Compare the various monetary theories and how they relate to macro and international economics
    • Summarize the structure of the Federal Reserve System and understand the tools and goals of Monetary Policy

    Audience: Bank personnel who have not had a formal course in money and banking and who wish to increase their understanding of the banking industry; officer trainees through the mid-management level.

  • Money and Banking

    The Money and Banking course teaches the role of money, credit, and financial institutions in the U.S. economy. Topics include commercial banks, thrifts, credit unions, the Federal Reserve system, credit markets, and monetary theory and policy.  It emphasizes the effects of structural change, globalization, financial innovation, and technology on the financial environment. 

    Textbook chapter topics include:

    • An Introduction to Money and the Financial System
    • Money and the Payment System
    • Financial Instruments, Financial Markets, and Financial Institutions
    • Understanding Risk
    • Bonds, Bond Prices, and the Determination of Interest Rates
    • The Risk and Term Structure of Interest Rates
    • Stocks, Stock Markets, and Market Efficiency
    • Derivates: Futures, Options, and Swamps
    • Foreign Exchange
    • The Economics of Financial Intermediation
    • Depository Institutions: Banks and Bank Management
    • Financial Industry Structure
    • Central Banks in the World Today
    • The Trust of Central Banks: The Federal Reserve and the European Central Bank
    • The Central Bank Balance Sheet and the Money Supply Process
    • Monetary Policy: Using Interest Rates to Stabilize the Domestic Economy
    • Exchange-Rate Policy and the Central Bank
    • Money Growth, Money Demand, and Modern Monetary Policy
    • Output, Inflation, and Monetary Policy
    • Understanding Business cycle Fluctuations
    • Modern Monetary Policy and the Challenges Facing Central Bankers

    Audience: Bank personnel who have not had a formal course in money and banking and who wish to increase their understanding of the banking industry; officer trainees through the mid-management level.

  • Money and Banking

    The Money and Banking course teaches the role of money, credit, and financial institutions in the U.S. economy. Topics include commercial banks, thrifts, credit unions, the Federal Reserve system, credit markets, and monetary theory and policy.  It emphasizes the effects of structural change, globalization, financial innovation, and technology on the financial environment. 

    Textbook chapter topics include:

    • An Introduction to Money and the Financial System
    • Money and the Payment System
    • Financial Instruments, Financial Markets, and Financial Institutions
    • Understanding Risk
    • Bonds, Bond Prices, and the Determination of Interest Rates
    • The Risk and Term Structure of Interest Rates
    • Stocks, Stock Markets, and Market Efficiency
    • Derivates: Futures, Options, and Swamps
    • Foreign Exchange
    • The Economics of Financial Intermediation
    • Depository Institutions: Banks and Bank Management
    • Financial Industry Structure
    • Central Banks in the World Today
    • The Trust of Central Banks: The Federal Reserve and the European Central Bank
    • The Central Bank Balance Sheet and the Money Supply Process
    • Monetary Policy: Using Interest Rates to Stabilize the Domestic Economy
    • Exchange-Rate Policy and the Central Bank
    • Money Growth, Money Demand, and Modern Monetary Policy
    • Output, Inflation, and Monetary Policy
    • Understanding Business cycle Fluctuations
    • Modern Monetary Policy and the Challenges Facing Central Bankers

    Audience: Bank personnel who have not had a formal course in money and banking and who wish to increase their understanding of the banking industry; officer trainees through the mid-management level.

  • Money and Banking

    The Money and Banking course teaches the role of money, credit, and financial institutions in the U.S. economy. Topics include commercial banks, thrifts, credit unions, the Federal Reserve system, credit markets, and monetary theory and policy.  It emphasizes the effects of structural change, globalization, financial innovation, and technology on the financial environment. 

    Textbook chapter topics include:

    • An Introduction to Money and the Financial System
    • Money and the Payment System
    • Financial Instruments, Financial Markets, and Financial Institutions
    • Understanding Risk
    • Bonds, Bond Prices, and the Determination of Interest Rates
    • The Risk and Term Structure of Interest Rates
    • Stocks, Stock Markets, and Market Efficiency
    • Derivates: Futures, Options, and Swamps
    • Foreign Exchange
    • The Economics of Financial Intermediation
    • Depository Institutions: Banks and Bank Management
    • Financial Industry Structure
    • Central Banks in the World Today
    • The Trust of Central Banks: The Federal Reserve and the European Central Bank
    • The Central Bank Balance Sheet and the Money Supply Process
    • Monetary Policy: Using Interest Rates to Stabilize the Domestic Economy
    • Exchange-Rate Policy and the Central Bank
    • Money Growth, Money Demand, and Modern Monetary Policy
    • Output, Inflation, and Monetary Policy
    • Understanding Business cycle Fluctuations
    • Modern Monetary Policy and the Challenges Facing Central Bankers

    Audience: Bank personnel who have not had a formal course in money and banking and who wish to increase their understanding of the banking industry; officer trainees through the mid-management level.

  • Money and Banking

    The Money and Banking course teaches the role of money, credit, and financial institutions in the U.S. economy. Topics include commercial banks, thrifts, credit unions, the Federal Reserve system, credit markets, and monetary theory and policy.  It emphasizes the effects of structural change, globalization, financial innovation, and technology on the financial environment. 

    Textbook chapter topics include:

    • An Introduction to Money and the Financial System
    • Money and the Payment System
    • Financial Instruments, Financial Markets, and Financial Institutions
    • Understanding Risk
    • Bonds, Bond Prices, and the Determination of Interest Rates
    • The Risk and Term Structure of Interest Rates
    • Stocks, Stock Markets, and Market Efficiency
    • Derivates: Futures, Options, and Swamps
    • Foreign Exchange
    • The Economics of Financial Intermediation
    • Depository Institutions: Banks and Bank Management
    • Financial Industry Structure
    • Central Banks in the World Today
    • The Trust of Central Banks: The Federal Reserve and the European Central Bank
    • The Central Bank Balance Sheet and the Money Supply Process
    • Monetary Policy: Using Interest Rates to Stabilize the Domestic Economy
    • Exchange-Rate Policy and the Central Bank
    • Money Growth, Money Demand, and Modern Monetary Policy
    • Output, Inflation, and Monetary Policy
    • Understanding Business cycle Fluctuations
    • Modern Monetary Policy and the Challenges Facing Central Bankers

    Audience: Bank personnel who have not had a formal course in money and banking and who wish to increase their understanding of the banking industry; officer trainees through the mid-management level.

  • Money and Banking

    The Money and Banking course teaches the role of money, credit, and financial institutions in the U.S. economy. Topics include commercial banks, thrifts, credit unions, the Federal Reserve system, credit markets, and monetary theory and policy.  It emphasizes the effects of structural change, globalization, financial innovation, and technology on the financial environment. 

    Textbook chapter topics include:

    • An Introduction to Money and the Financial System
    • Money and the Payment System
    • Financial Instruments, Financial Markets, and Financial Institutions
    • Understanding Risk
    • Bonds, Bond Prices, and the Determination of Interest Rates
    • The Risk and Term Structure of Interest Rates
    • Stocks, Stock Markets, and Market Efficiency
    • Derivates: Futures, Options, and Swamps
    • Foreign Exchange
    • The Economics of Financial Intermediation
    • Depository Institutions: Banks and Bank Management
    • Financial Industry Structure
    • Central Banks in the World Today
    • The Trust of Central Banks: The Federal Reserve and the European Central Bank
    • The Central Bank Balance Sheet and the Money Supply Process
    • Monetary Policy: Using Interest Rates to Stabilize the Domestic Economy
    • Exchange-Rate Policy and the Central Bank
    • Money Growth, Money Demand, and Modern Monetary Policy
    • Output, Inflation, and Monetary Policy
    • Understanding Business cycle Fluctuations
    • Modern Monetary Policy and the Challenges Facing Central Bankers

    Audience: Bank personnel who have not had a formal course in money and banking and who wish to increase their understanding of the banking industry; officer trainees through the mid-management level.

  • Money and Banking

    The Money and Banking course teaches the role of money, credit, and financial institutions in the U.S. economy. Topics include commercial banks, thrifts, credit unions, the Federal Reserve system, credit markets, and monetary theory and policy.  It emphasizes the effects of structural change, globalization, financial innovation, and technology on the financial environment. 

    Textbook chapter topics include:

    • An Introduction to Money and the Financial System
    • Money and the Payment System
    • Financial Instruments, Financial Markets, and Financial Institutions
    • Understanding Risk
    • Bonds, Bond Prices, and the Determination of Interest Rates
    • The Risk and Term Structure of Interest Rates
    • Stocks, Stock Markets, and Market Efficiency
    • Derivates: Futures, Options, and Swamps
    • Foreign Exchange
    • The Economics of Financial Intermediation
    • Depository Institutions: Banks and Bank Management
    • Financial Industry Structure
    • Central Banks in the World Today
    • The Trust of Central Banks: The Federal Reserve and the European Central Bank
    • The Central Bank Balance Sheet and the Money Supply Process
    • Monetary Policy: Using Interest Rates to Stabilize the Domestic Economy
    • Exchange-Rate Policy and the Central Bank
    • Money Growth, Money Demand, and Modern Monetary Policy
    • Output, Inflation, and Monetary Policy
    • Understanding Business cycle Fluctuations
    • Modern Monetary Policy and the Challenges Facing Central Bankers

    Audience: Bank personnel who have not had a formal course in money and banking and who wish to increase their understanding of the banking industry; officer trainees through the mid-management level.

  • Money and Banking

    The Money and Banking course is ACE recommended for college credit transfer!
    The Money and Banking course teaches the role of money, credit, and financial institutions in the U.S. economy. Topics include commercial banks, thrifts, credit unions, the Federal Reserve system, credit markets, and monetary theory and policy. It emphasizes the effects of structural change, globalization, financial innovation, and technology on the financial environment.
    Textbook chapter topics include:
    -An Introduction to Money and the Financial System
    -Money and the Payment System
    -Financial Instruments, Financial Markets, and Financial Institutions
    -Understanding Risk
    -Bonds, Bond Prices, and the Determination of Interest Rates
    -The Risk and Term Structure of Interest Rates
    -Stocks, Stock Markets, and Market Efficiency
    -Derivates: Futures, Options, and Swamps
    -Foreign Exchange
    -The Economics of Financial Intermediation
    -Depository Institutions: Banks and Bank Management
    -Financial Industry Structure
    -Central Banks in the World Today
    -The Trust of Central Banks: The Federal Reserve and the European Central Bank
    -The Central Bank Balance Sheet and the Money Supply Process
    -Monetary Policy: Using Interest Rates to Stabilize the -Domestic Economy
    -Exchange-Rate Policy and the Central Bank
    -Money Growth, Money Demand, and Modern Monetary Policy
    -Output, Inflation, and Monetary Policy
    -Understanding Business cycle Fluctuations
    -Modern Monetary Policy and the Challenges Facing Central Bankers.

    Audience: Bank personnel who have not had a formal course in money and banking and who wish to increase their understanding of the banking industry; officer trainees through the mid-management level.

  • Money and Banking

    The Money and Banking course is ACE recommended for college credit transfer!

    The Money and Banking course teaches the role of money, credit, and financial institutions in the U.S. economy. Topics include commercial banks, thrifts, credit unions, the Federal Reserve system, credit markets, and monetary theory and policy.  It emphasizes the effects of structural change, globalization, financial innovation, and technology on the financial environment. 

    Textbook chapter topics include:

    • An Introduction to Money and the Financial System
    • Money and the Payment System
    • Financial Instruments, Financial Markets, and Financial Institutions
    • Understanding Risk
    • Bonds, Bond Prices, and the Determination of Interest Rates
    • The Risk and Term Structure of Interest Rates
    • Stocks, Stock Markets, and Market Efficiency
    • Derivates: Futures, Options, and Swamps
    • Foreign Exchange
    • The Economics of Financial Intermediation
    • Depository Institutions: Banks and Bank Management
    • Financial Industry Structure
    • Central Banks in the World Today
    • The Trust of Central Banks: The Federal Reserve and the European Central Bank
    • The Central Bank Balance Sheet and the Money Supply Process
    • Monetary Policy: Using Interest Rates to Stabilize the Domestic Economy
    • Exchange-Rate Policy and the Central Bank
    • Money Growth, Money Demand, and Modern Monetary Policy
    • Output, Inflation, and Monetary Policy
    • Understanding Business cycle Fluctuations
    • Modern Monetary Policy and the Challenges Facing Central Bankers

    Audience: Bank personnel who have not had a formal course in money and banking and who wish to increase their understanding of the banking industry; officer trainees through the mid-management level.

  • Money and Banking

    The Money and Banking course teaches the role of money, credit, and financial institutions in the U.S. economy. Topics include commercial banks, thrifts, credit unions, the Federal Reserve system, credit markets, and monetary theory and policy.  It emphasizes the effects of structural change, globalization, financial innovation, and technology on the financial environment. 

    Textbook chapter topics include:

    • An Introduction to Money and the Financial System
    • Money and the Payment System
    • Financial Instruments, Financial Markets, and Financial Institutions
    • Understanding Risk
    • Bonds, Bond Prices, and the Determination of Interest Rates
    • The Risk and Term Structure of Interest Rates
    • Stocks, Stock Markets, and Market Efficiency
    • Derivates: Futures, Options, and Swamps
    • Foreign Exchange
    • The Economics of Financial Intermediation
    • Depository Institutions: Banks and Bank Management
    • Financial Industry Structure
    • Central Banks in the World Today
    • The Trust of Central Banks: The Federal Reserve and the European Central Bank
    • The Central Bank Balance Sheet and the Money Supply Process
    • Monetary Policy: Using Interest Rates to Stabilize the Domestic Economy
    • Exchange-Rate Policy and the Central Bank
    • Money Growth, Money Demand, and Modern Monetary Policy
    • Output, Inflation, and Monetary Policy
    • Understanding Business cycle Fluctuations
    • Modern Monetary Policy and the Challenges Facing Central Bankers

    Audience: Bank personnel who have not had a formal course in money and banking and who wish to increase their understanding of the banking industry; officer trainees through the mid-management level.

  • Money and Banking

    The Money and Banking course teaches the role of money, credit, and financial institutions in the U.S. economy. Topics include commercial banks, thrifts, credit unions, the Federal Reserve system, credit markets, and monetary theory and policy.  It emphasizes the effects of structural change, globalization, financial innovation, and technology on the financial environment. 

    Textbook chapter topics include:

    • An Introduction to Money and the Financial System
    • Money and the Payment System
    • Financial Instruments, Financial Markets, and Financial Institutions
    • Understanding Risk
    • Bonds, Bond Prices, and the Determination of Interest Rates
    • The Risk and Term Structure of Interest Rates
    • Stocks, Stock Markets, and Market Efficiency
    • Derivates: Futures, Options, and Swamps
    • Foreign Exchange
    • The Economics of Financial Intermediation
    • Depository Institutions: Banks and Bank Management
    • Financial Industry Structure
    • Central Banks in the World Today
    • The Trust of Central Banks: The Federal Reserve and the European Central Bank
    • The Central Bank Balance Sheet and the Money Supply Process
    • Monetary Policy: Using Interest Rates to Stabilize the Domestic Economy
    • Exchange-Rate Policy and the Central Bank
    • Money Growth, Money Demand, and Modern Monetary Policy
    • Output, Inflation, and Monetary Policy
    • Understanding Business cycle Fluctuations
    • Modern Monetary Policy and the Challenges Facing Central Bankers

    Audience: Bank personnel who have not had a formal course in money and banking and who wish to increase their understanding of the banking industry; officer trainees through the mid-management level.

  • Money and Banking

    The Money and Banking course teaches the role of money, credit, and financial institutions in the U.S. economy. Topics include commercial banks, thrifts, credit unions, the Federal Reserve system, credit markets, and monetary theory and policy.  It emphasizes the effects of structural change, globalization, financial innovation, and technology on the financial environment. 

    Textbook chapter topics include:

    • An Introduction to Money and the Financial System
    • Money and the Payment System
    • Financial Instruments, Financial Markets, and Financial Institutions
    • Understanding Risk
    • Bonds, Bond Prices, and the Determination of Interest Rates
    • The Risk and Term Structure of Interest Rates
    • Stocks, Stock Markets, and Market Efficiency
    • Derivates: Futures, Options, and Swamps
    • Foreign Exchange
    • The Economics of Financial Intermediation
    • Depository Institutions: Banks and Bank Management
    • Financial Industry Structure
    • Central Banks in the World Today
    • The Trust of Central Banks: The Federal Reserve and the European Central Bank
    • The Central Bank Balance Sheet and the Money Supply Process
    • Monetary Policy: Using Interest Rates to Stabilize the Domestic Economy
    • Exchange-Rate Policy and the Central Bank
    • Money Growth, Money Demand, and Modern Monetary Policy
    • Output, Inflation, and Monetary Policy
    • Understanding Business cycle Fluctuations
    • Modern Monetary Policy and the Challenges Facing Central Bankers

    Audience: Bank personnel who have not had a formal course in money and banking and who wish to increase their understanding of the banking industry; officer trainees through the mid-management level.

  • Money and Banking

    A fundamental study of how money functions in the U.S. and world economies. How money supply, the banking system, the Federal Reserve and the federal government are all interrelated, and how changes in the financial system can affect individuals, businesses and governments on a world-wide basis are covered.

    Learning Objectives

    • Describe the functions of money and our payments system
    • Connect the time value of money with financial markets and their assets
    • Identify the business of banking and the interrelationship with government regulation
    • Compare the various monetary theories and how they relate to macro and international economics
    • Summarize the structure of the Federal Reserve System and understand the tools and goals of Monetary Policy

    Audience: Bank personnel who have not had a formal course in money and banking and who wish to increase their understanding of the banking industry; officer trainees through the mid-management level.

  • Money and Banking

    A fundamental study of how money functions in the U.S. and world economies. How money supply, the banking system, the Federal Reserve and the federal government are all interrelated, and how changes in the financial system can affect individuals, businesses and governments on a world-wide basis are covered.

    Learning Objectives

    • Describe the functions of money and our payments system
    • Connect the time value of money with financial markets and their assets
    • Identify the business of banking and the interrelationship with government regulation
    • Compare the various monetary theories and how they relate to macro and international economics
    • Summarize the structure of the Federal Reserve System and understand the tools and goals of Monetary Policy

    Audience: Bank personnel who have not had a formal course in money and banking and who wish to increase their understanding of the banking industry; officer trainees through the mid-management level

  • Mortgage Customer Counseling and Prequalification

    Describes mortgage counseling and the type of information and techniques to improve communication between the MLO and customer. Reviews mortgage counseling from the transaction-oriented and mortgage program-oriented perspectives. Explains critical areas of review for each step in the prequalification process.

    What You’ll Learn

    After completing this course, students will be able to:

    • Define mortgage counseling and describe the techniques used in a session with a customer
    • Recognize your customer’s key indicators to understand the customer needs profile
    • Match mortgage financing options to meet customer needs
    • Prequalify a customer for mortgage programs using an outline and calculations

    Audience: All bank Mortgage loan originators (MLOs) who have completed the federal and state requirements for mortgage originators. Note: Only MLOs can prequalify customers for a mortgage and take mortgage applications. The CFPB's Loan Originator Rule greatly expands the S.A.F.E. Act definition of "loan originator" and requires certain loan origination activities be performed only by loan originators.

  • Mortgage Foreclosure and Loan Collection

    Mortgage Foreclosure and Loan Collection is a course designed to assist banking
    professionals in understanding the civil litigation process as it relates to mortgage
    foreclosures, deficiency judgments, suits against borrowers and guarantors and other
    actions related to loan collection.  Special assets officers, lenders, credit officers and
    other bankers involved in the collection process will benefit from this course by gaining
    an understanding of our civil court system, how a case proceeds from start to finish,
    how to minimize delays in the process, the common defenses brought by borrowers and
    guarantors, how deficiency judgments are obtained and, more importantly, collected,
    the impact of bankruptcy on loan collection litigation and more!

    The seminar will cover:

    • Loan defaults and remedies
    • Analyzing the collateral lien position
    • Understanding the mortgage foreclosure process
    • Obtaining deficiency judgments
    • Collecting a money judgment
    • Managing litigation costs
    • Alternatives to foreclosure
    • The impact of bankruptcy on foreclosure

    This seminar is taught by Douglas L. Waldorf, JD, MBA, a Florida Bar Board
    Certified Real Estate Attorney. Mr. Waldorf has nearly 30 years of experience in
    representing banks and other lenders in loan structuring and documentation as well as
    in special assets matters including serving for 12 years as in house counsel for
    SunTrust Bank in Southwest Florida and is recognized in both Super Lawyers and Best
    Lawyers publications for expertise in banking and finance law. He is a shareholder with
    international law firm of Dentons Cohen & Grigsby P.C. ; Grigsby P.C. in the firm’s Naples, Florida office.

    Audience: Banking Professionals

  • Mortgage Lending Hot Topics

    Consumer compliance when it comes to mortgage lending continues to headline both the NCUA’s supervisory priorities for 2019 as well as the CFPB’s regulatory agenda. Join Regulatory Compliance Counsel Michael Christians for a discussion of the following regulatory compliance issues related to real estate lending.

    Covered Topics
    -HMDA?s partial exemptions for low-volume filers and additional rulemaking activities related to Regulation C;
    -NCUA?s private flood insurance rule (effective July 1st);
    -Regulatory relief provisions available under the Economic Growth, Regulatory Relief and Consumer Protection Act (S.2155);
    -NCUA?s proposed amendments to its appraisal rules (Part 722);
    -Examiner observed systemic disclosure errors in connection with the TILA/RESPA Integrated Disclosure Rule;
    -Revised monitoring information collection requirements under Regulations B and C; and
    -Additional mortgage servicing obligations.

    Audience: Those responsible for mortgage loan origination, underwriting, processing and servicing within the credit union as well as consumer compliance professionals would al