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 Deposit Hot Spots

    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.

  • 10 Overdraft Privilege Hotspots Including Regulations, Lawsuits & Guidance

    It?s 2019 and your examiners are due at your financial institution next month. Will your bank pass the test? This program is designed to update you and help you complete an ODP checkup on your program before the examiners get there. Whether you are automated or ad hoc, whether you are FDIC or OCC examined, there are some themes and specific things the examiners will target in the examination process this year. We will take a look at litigation, federal laws, state law issues and other ODP ?hotspots? in this regulatory environment.

    Covered Topics
    -Your ODP program and whether it will pass the test?checklist for exams
    -Regulation E, Reg DD and State Laws 2005 JT Guidance, 2010 FDIC Guidance, and OCC?s take on ODP
    -Examination ?hot spots? and how the rules are being interpreted
    -Law suits around the country and how banks are being targeted for unfair trade
    -Your policy, procedures, fees and marketing in 2019
    -Fair or unfair trade? A look at the federal and potential state issues
    -Frequently asked questions about overdraft programs
    -Why fees have to be consistent
    -And much, much more?

    Audience: This informative session is designed for the compliance area, deposit operations and management who are responsible for implementing a fair and compliant Overdraft Program.

  • 15 Reasons Training Doesn?t Stick

    What?s the difference between learning and training? Why doesn?t training always stick? Who is responsible for ?the stick?? Join Honey Shelton and find out why, at any company, learning isn?t just the job of the training department!

    You will learn that training isn?t always the right answer to performance problems or enhancements. There is a myriad of reasons why people don?t perform well and a company?s first response often is ?we need more training!?

    The most common performance-related issues are caused because learners don?t?

    -Know what to do
    -Know how to do it
    -Have the proper tools
    -Want to do it
    -Feel a need to do it
    -Know they aren?t doing it
    The kicker? Training can only address one of these six! Tune in and find out if you are right about which one the training department can address.

    Join one of the country?s premier train the trainer instructors on how to get the most return on your training investment by staying in the right lane when you want to turnaround or prevent performance issues.

    What You Will Learn
    -The training doesn?t have immediate application
    -Leadership doesn?t coach to reinforce the training
    -Learning is considered less important than performance

    Audience: Who should attend coming soon.

  • 20 Legal Account Ownerships

    This program is an A-Z on account ownership and documentation. We will go from single party accounts to the more complex type of business accounts. It is a must for anyone who opens or manages the new account functions. Your financial institution’s signature card, documentation and authority procedures can create big liability when you do not understand the type of ownership and the checks that go with these accounts.

    Covered Topics
    -How to open and document personal accounts, fiduciary accounts and business accounts
    -How setting up accounts improperly can create liability for your financial institution
    -Creating consistency in your organization on how accounts are opened
    -Signature Card danger zones and what can go wrong
    -How CIF systems can create errors in ownership and signature card conflicts
    -How to add owners, make changes and other issues after the account is opened
    -How to follow the authority trail established in the paperwork
    -What can attorney-in-facts do and not do on individual accounts
    -How to change business accounts signers and owners
    -And much, much more?

    Audience: This webinar will benefit new accounts representatives, call service representatives, branch managers, assistant branch managers, branch administration, deposit operations, BSA CIP personnel, training and anyone who works with or manages the new account function.

  • 20 Legal Account Ownerships, Titles, Sample Signature Cards and Legal Documentation

    This program is an A-Z on account ownership and documentation. We will go from single party accounts to the more complex type of business accounts. It is a must for anyone who opens or manages the new account functions. Your financial institution’s signature card, documentation and authority procedures can create big liability when you do not understand the type of ownership and the checks that go with these accounts.

    Covered Topics
    -How to open and document personal accounts, fiduciary accounts and business accounts
    -How setting up accounts improperly can create liability for your financial institution
    -Creating consistency in your organization on how accounts are opened
    -Signature Card danger zones and what can go wrong
    -How CIF systems can create errors in ownership and signature card conflicts
    -How to add owners, make changes and other issues after the account is opened
    -How to follow the authority trail established in the paperwork
    -What can attorney-in-facts do and not do on individual accounts
    -How to change business accounts signers and owners
    -And much, much more?

    Audience: This webinar will benefit new accounts representatives, call service representatives, branch managers, assistant branch managers, branch administration, deposit operations, BSA CIP personnel, training and anyone who works with or manages the new account function.

  • 25 Baseline Controls Banks Struggle to Implement

    The FFIEC Cybersecurity Assessment process is here to stay. At a minimum, most regulators are requiring financial institutions to complete an assessment on an annual basis. This process includes a review of an institution?s Inherent Risk Level, identification of currently implemented controls to reduce risk, and a gap analysis to identify additional controls needed to reach the institutions desired risk appetite.

    Over 1200 financial institutions have completed their Cybersecurity Assessment using our complementary assessment solution. SBS has analyzed the results and identified the top 25 most common baseline controls not implemented by financial institutions. These are controls that financial institutions MUST complete regardless of their inherent risk score. This session reviews these 25 controls, as well as practical solutions your institution can use to implement these controls. We will also discuss the next steps beyond the assessment to provide a comprehensive cybersecurity framework which institutions can repeatedly follow.

    What You Will Learn
    -FFIEC Guidance
    -Inherent Risk Assessment Process
    -Cyber Maturity Process
    -Top 25 Controls
    -Remediation Ideas
    -Tracking Progress on Controls

    Audience: Information Security Officer, IT Manager, Risk Officer, Internal Auditor, CIO, and Executives looking to understand the Cybersecurity Assessment process, common weaknesses in controls, and how to address them.

  • 6 Steps of an IT Audit Program

    Every successful Information Security Program is built on 3 key elements. It requires decision-making risk management processes, clearly documented Information Security Policies, and an effective IT Audit Program. These elements work in conjunction with each other, feeding the next component information that continually improves the Information Security Program. The IT Risk Assessment process identifies key systems and information, threats against those systems, and helps management identify which controls are necessary to mitigate risk to an acceptable level. The controls have been selected in the risk assessment and are captured and solidified in the Information Security Policies. These controls are then implemented by the institution to mitigate the actual risks. The IT Audit process comes in to validate that the identified controls are successfully implemented in the institution’s daily operations and to also ensure they are adequate to address best practice and regulatory guidelines.

    A well-developed IT Audit Program will govern this process and provide the Board of Directors with assurances that the Information Security Program is implemented and working. This session will examine in more detail how the IT Audit Program integrates with the Information Security Program

    What You Will Learn
    -Risk-based Audit Models
    -FFIEC IT Audit Requirements
    -FDIC InTREx Expectations
    -Internal/External Audit Processes
    -6 Basic Audit Steps
    -Engagement Letters
    -Audit Workpapers
    -Reporting and Exception Tracking

    Audience: Information Security Officer, IT Manager, Risk Officer, Internal Auditor, Directors, and Executives looking to improve processes for IT Auditing.

  • 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.

  • 8 Steps to Improve Cross-Selling

    Many financial institutions want better cross-selling results but struggle to establish a results-oriented approach. When was the last time you looked at your products and considered how they can make your customer?s life easier? If you don?t acquaint your customer with what you offer, your relationship with that customer is at risk! Building a simple plan that reflects your culture and targets the customer?s needs keeps the accountholder engaged and satisfied.

    Your customers choose the products they want from the palm of the hand as they maneuver their search on their mobile phone. Why should they choose yours over your competitor?s? Today?s cross-selling approach calls for efforts to include social media channels, website updates. You need engaged and well-trained customer-facing teams, coordinated marketing actions and methods for measurement. This program will help you with these and many other options that can help elevate cross-selling results.

    Covered Topics
    -Benefits of cross-selling
    -Define and measure
    -Manage what you measure
    -Know the drivers of effective cross-selling
    -Cross-selling is more than lip service
    -Branch managers and marketing ? two key players
    -Employee training and engagement
    -Recognition and reward

    Audience: The marketing and training personnel, branch leadership, and anyone responsible for developing customer-facing teams and those dedicated to customer acquisition and expansion.

  • A Banker's Responsibility under FCRA

    Audience:

  • A Lender's Guide to Understanding and Assessing Commercial Real Estate Loan Leases

    Audience:

  • 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

    There is a risk in opening new fiduciary accounts. From review for acceptance (evaluating assets, key language and prior trustee activity) to review for termination, including procedures and best practices, this class will show you how to protect your institution while acting in a fiduciary capacity.

    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

  • Accounting Basics

    Understanding accounting and financial statement basics is a key skill needed in the Financial Services Industry. All too frequently even experienced personnel have only a cursory knowledge of key accounting concepts. This course provides participants with a sound understanding of the fundamentals of accrual accounting and how it differs from cash accounting. It has been designed for those who have no experience with the subject and well as those who have had an accounting course but need to brush-up.

    Covered Topics
    -The basics of financial statement preparation
    -The difference between accrual and cash accounting
    -How revenue and expense recognition policies affect the income statement and balance sheet.
    -Basic accounting concepts that affect financial statement construction including historical cost, going concern, materiality, consistency and conservatism.
    -The basics of debits and credits and financial statement construction.
    -Account for major items on the balance sheet including accounts receivable, inventory, fixed assets, deferred taxes, equity, etc.
    -How to evaluate capital and operating leases.
    -How to read and evaluate footnotes.
    -The differences between compiled, reviewed and audited statements
    -The relationship between the balance sheet, income statement, and the statement of cash flows
    -The relationship between profit, retained earnings and cash flow
    -How to skeptically review all of the major accounts in the balance sheet, income statement and statement of cash flows

    Audience: Anyone who wants to understand or review the basic principles of accrual accounting.

  • Accounting Essentials for Banks

    This webinar is designed to provide basic knowledge of how a Bank records its financial transactions and compiles and communicates the information in its financial statements. It will begin with identifying the uses and decision-makers of Bank accounting information, introduce generally accepted accounting principles and the accounting equation, then discuss how fundamental financial transactions are recorded, summarized and presented on its financial statements. This program will provide specific examples and hands-on exercises for attendees. We will wrap up with a discussion of how to read and understand the information presented on a Bank’s financial statements.

    Covered Topics
    -Accounting Information System
    Defining Accounting and Role of Accounting in Decision Making
    Decision Makers: The Users of Accounting Information
    Accounting Equation
    Generally Accepted Accounting Principles
    Introduction of Financial Statements: Balance Sheet, Income Statement, Statement of Cash Flows
    -Recording Financial Transactions
    Measurement Issues
    Double-Entry System
    Recording and Posting Transactions
    The Trial Balance
    -Measuring Financial Income
    Accrual Accounting
    Adjustment and Close Process
    -The Basics of Financial Statements
    Reading and Understanding the Financial Statements
    Basic Techniques to Analyzing the Financial Statements

    Audience: Individuals seeking to learn the basics of bank financial accounting and reporting, including deposit operations personnel, loan officers, credit analysts, administrative assistants and all other personnel involved in using, reviewing and/or interpreting financial information. It is also excellent preparation for bankers planning to attend a formal banking school.

  • Accounts Receivable and Inventory Financing

    This is the description from our webinar that was presented in May 2018. Please check back for a modified description. Topics may be updated, but registration is now open.

    Accounts Receivable and Inventory are the most fundamental form of ?Asset-Based? Commercial Lending. Commercial borrowers use the value of these assets (also called working assets) as collateral to secure financing to produce and sell their products and services. Often, bankers will take Accounts Receivable and Inventory as ?side? collateral because their true comfort is provided by the borrower?s real estate, which is usually required as a condition of the loan.

    Pledging real estate may not always be an option for your borrower. The primary reason for requiring real estate as collateral is caused by the perceived inability to control and monitor the working assets.

    This course will cover Accounts Receivable and Inventory Financing risks, and present how a bank can prudently manage these risks. It will give a deeper understanding of how Accounts Receivable and Inventory can provide an adequate form of collateral to support borrowings for the purpose of financing inventory; financing acquisitions; restructuring debts and tiding companies through periods of growth and distress.

    After completing this course, the participant will be less hesitant to enter this type of financing and will be able to recognize when Accounts Receivable and Inventory Financing is required; how to evaluate potential borrowers, and how to structure these transactions to remain in compliance with the regulatory authorities.

    What You Will Learn
    -Types of Accounts Receivable and Inventory Financing
    Asset-Based Lending
    Secured Financing
    Blanket Receivables Lending
    -Accounts Receivable and Inventory Financing Structures
    -Evaluating the Borrower
    -Evaluating the Collateral
    -Underwriting ARIF Loans
    -Administering ARIF Loans
    -Disbursing Revolving Loan Advances
    -Factoring and Third?Party Vendors Providing ARIF Software
    -Verification of Accounts Receivable and Inventory

    Audience: Senior Credit Officers, Senior Loan Officers, Commercial Loan Officers, Consumer Loan Officers, Credit Analysts, Loan Review Officers, Loan Administration Personnel

  • ACH Audit & Risk Assessment: What you need to know

    Spend two hours with an ACH Auditor and hear what she looks for when performing the ACH Audit and ACH Risk Assessment.

    You do realize that the ACH Audit is mandatory for financial institutions, right? Who performs yours? Does the Audit/Compliance department understand what to test on? The ACH Risk Assessment needs to have been completed once and then performed every time there are changes to your ACH program and when your possible risks change. These are two very important and sometimes confusing tasks. Join us to learn the difference between an ACH assessment and an audit, what you’re looking for when completing both and how to avoid common mistakes and violations.

    Highlights:
    Upon completion of this program you will learn:

    -The audit requirements for all ACH participants
    -Where others have been non-compliant and how not to make the same mistakes
    -What auditors should be looking for when performing the ACH audit
    -The importance of the ACH risk assessment
    -Areas that should be included in the ACH risk assessment
    Your speaker is an ACH Auditor – get all your ACH audit and risk assessment questions answered by attending this webinar.

    Audience: Compliance, audit, operations, risk management and senior management.

  • ACH Exception Processing

    This is the description from our webinar that was presented in August 2018. Please check back for a modified description. Topics may be updated, but registration is now open.

    There is an exception to many rules, including ACH.

    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 new rules and 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.

    Join us to review all of the exceptions, from returns to notifications of changes to DNE and more. We’ll discuss the timeline for handling the different exceptions and some new ACH rules regarding returns that you’ll want to make sure you’re up to speed on. We will also discuss the updated reinitiated entries rules and the upcoming return rate reporting changes.

    Covered Topics
    -Ways to identify exceptions as an RDFI and ODFI and determine the best course of action
    -Understanding the timeframes for exception processing
    -Understanding of the new ACH Rules that impact exceptions
    -Best practices for limiting your liability
    -An understanding of the importance of using the correct return and NOC code

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

  • 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 Origination and Same Day ACH

    What are your responsibilities and warranties?

    One of the important factors about ACH Origination is that any sized financial institution can offer the product. But it is a product and you have to know what you are offering, how it works, who you?re offering it to and how to manage your risk. Same Day ACH is another origination product within ACH that you can offer.

    The ACH Rules were written so that the Originating Depository Financial Institution (ODFI) carries the origination responsibilities and warranties. As the ODFI, you pass those onto your Originators through a contract. You are still, however, ultimately responsible and you must know the warranties.

    In this session, we are going to review the general origination warranties and then review the most used Standard Entry Class (SEC) Codes. We’ll look at the authorization requirements, format and specific warranties for those SEC Codes. We will also discuss the new Same Day ACH and how your origination business may change with this option.

    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 compliance personnel, auditors, operations personnel, senior management and all others interested in gaining knowledge on ACH Origination and SEC codes.

  • ACH Origination for lenders and cash managers

    If you are responsible for ACH Sales, you?ll want to make sure that you know the rules around what you?re selling. There are numerous ACH products that a financial institution can offer their customers and use themselves. Join us as we discuss the ACH Origination warrantees, the most used products and how to protect your bank and your customer.

    In this session we will explain why you need to be compliant with the ACH Rules and the ramifications if you are not. We will review the different products, their authorizations and warrantees. We will also discuss the impact that Same Day has on ACH Origination.

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

    Audience: This course is designed for lenders, cash managers, operations personnel, senior management and all others interested in gaining knowledge on ACH Origination.

  • 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.

  • 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 Cash Flow Analysis

    This webinar will explore multiple models of both business and personal (business owner) cash flow analyses.

    The session will begin with the business ?traditional? EBITDA cash flow and personal cash flow of the ?business owner? (using the 1040 tax return, including tax schedules and K-1s, and the personal financial statement). Additionally, the Global Cash Flow or combined ?business & personal? cash flow model will be displayed.

    This will be followed by the Statement of Cash Flows (using the Direct and Indirect Methods), as prepared by the CPA, the UCA Cash Flow (using the Moody?s software spreadsheet), Cash Basis Cash Flow, Fixed-Charge Coverage (FCC), and Free Cash Flow (FCF).

    Various cash flow projections and sensitivity analyses will also be explored.

    The webinar will then conclude with ?commercial real estate? (CRE) cash flow analysis and other related real estate ?investment? cash flow models.

    Covered Topics
    -Business (EBITDA) & Personal Cash Flow Analyses
    -Global Cash Flow: Combining the Business and Personal Cash Flows
    -Statement of Cash Flows, UCA Cash Flow, Cash Basis Cash Flow, Fixed-Charge Coverage, and Free Cash Flow
    -Cash Flow Projections and Sensitivity Analysis
    -CRE Cash Flow Analysis including Investment Models

    Audience: Commercial lenders, credit analysts, relationship managers, credit administrators

  • 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 Collection Tools

    Attend this webinar to learn how to better collect ?problem loans? and protect the rights of the bank in today?s market!

    This proactive webinar covers negotiation, technical, and management tools in collecting cash. The negotiation process will include the ?human factors? while the technical skills will include ?business law basics? (contract law and lender liability).

    The technical aspects of collections will also address what happens when a ?good? loan turns into a ?bad? loan i.e. the market has now turned down, tenants have left, and the payments are severely delinquent. What should the bank do and not do at this point in time?

    This question will be answered by addressing the ?legal rights? of the bank and the ?practical steps? that the bank should take in order to protect itself. This will include the collection process, restructuring the loan, and/or proceeding against the borrower through repossession, foreclosure, filing a law suit to obtain a judgment, forcing the borrower into bankruptcy or simply ?walking away.? This section will also include the ?outside? influence from the banking regulators.

    Additionally, the X (authoritative), Y (delegation), and Z (team) management styles will be outlined which impact the lender?s ability to manage the collection process.

    The webinar will include several ?real-life? collection scenarios.

    What You Will Learn
    -Advanced tools in collecting cash including negotiation, technical, and management skills
    -?Human? factors in the collection process
    -Business law basics including ?contract law? and ?lender liability?
    -Determine the bank?s strategy in protecting itself-collections, restructuring the loan, repossession, foreclosure, filing a law suit to obtain a judgment, forcing the borrower into bankruptcy or walking away
    -Assess ?outside? influence by the banking regulators
    -The X, Y, and Z management styles and collections management
    -Collection scenarios

    Audience: Commercial lenders, credit analysts, loan documentation specialists, branch managers

  • Advanced Commercial Loan Documentation

    Everything a commercial loan officer should know about the core commercial loan documentation package, including perfecting security interests on commercial collateral, loan agreements, signature requirements, loan closings and more.

    This fast-paced seminar will focus on the purpose, use and content of the six core commercial loan documents: the promissory note, the loan agreement, the security agreement, the guaranty, the letter of credit and the subordination/intercreditor agreement. It will provide relevant, up-to-date and practical information to help commercial lending personnel.

    This webinar has been created for bankers who have a basic understanding of loan documentation and wish to further develop, refine, confirm or polish those skills. Participants will receive a practical, ?real world,? intensive review of critical loan documentation issues, best practices, proper lien creation and monitoring under the requirements of Revised Article 9 of the Uniform Commercial Code.

    What You Will Learn
    -Promissory notes
    -Security agreements, including proper collateral descriptions and perfection of liens under the UCC
    -Loan agreements, including borrowing base certificates
    -Letters of credit and reimbursement agreements
    -Guarantee agreements, co-signors and third-party pledges of collateral
    -The interplay of subordination and intercreditor agreements with the rules of payment and lien priority
    -Signature requirements and supporting documentation
    -Closing the loan

    Audience: Loan officers, credit analysis, note and credit department personnel, internal auditors, loan review and compliance personnel or any banker involved in the lending function.

  • 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

  • Advanced Tax Return Analysis

    Learn about several advanced tax return concepts and related analyses to help you work more effectively with your bank’s business customers.

    We will begin with a brief review of analyzing a business owner?s personal ?1040? tax return, as well as the return of an LLC, S corporation, and C corporation – including Schedules M-1 and M-2, Schedule K-1, pass-through transactions, and other deductions.

    Then we will cover more ?advanced? tax topics – listed below – related to business clients. Each topic will be presented from the perspective of more effectively working with your bank?s business customers.

    Covered Topics
    -Corporate Tax Issues including Business Structure, Section 179 Depreciation, and Bonus Depreciation
    -Investments including Capital Gain/Loss Issues and Passive Activities
    -Real Estate Issues including Rentals and Home Offices
    -Employer Provided Benefits including ?Qualified Retirement Plans? and Health Savings Accounts (HSAs)
    -Retirement Planning Strategies including ?Defined Benefit? Plans and Captive Insurance
    -Estate Planning Issues including Gift Taxes
    -Year-End Tax Strategies
    -Recent Changes to the Tax Code that impact Business Owners

    Audience: Commercial lenders, credit analysts, loan documentation specialists, branch managers, private bankers, and business development officers

  • 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 Compliance

    Join David Dickinson of Banker?s Compliance Consulting for a two-hour webinar dissecting the rules and regulations related to Advertising Compliance.

    Advertising is a unique situation for most banks in that several different regulations can all come into play for one, single ad. Marketing personnel aren’t always experts with the technical aspects of these requirements and those responsible for regulatory compliance aren’t often included the process until after an advertisement has been published.

    What You Will Learn
    -FDIC signage and advertising rules
    -The Fair Housing Act
    -Deposit Insurance
    -Truth in Lending
    -Truth in Savings
    -Sample Rate Sheet
    -Non-Deposit Investments
    -Lobby Disclosures
    -Web Sites
    -UDAAP
    **Lotteries and sweepstakes will not be covered.

    Audience: This webinar is for anyone responsible for either producing or reviewing advertisements for compliance.

  • 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! Prepaid Accounts Final Rule Effective April 1, 2019

    The Bureau is finalizing amendments to its rule governing prepaid accounts under Regulations E and Z that make modifications to several aspects of that rule and extend the overall effective date of the rule to April 1, 2019.

    New comprehensive consumer protections for prepaid accounts under Regulations E and Z, including tailored provisions governing disclosures, limited liability and error resolution, periodic statements, and the posting of account agreements. The final rule also regulates overdraft credit features that may be offered in conjunction with prepaid accounts.

    During this webinar, you will receive a compliance checklist and a comprehensive look at the rule. Sample policy and procedure language will also be provided.

    Highlights
    -What is a Prepaid Account?
    -What are the consumer protections for prepaid accounts?
    -Disclosure requirements
    -Liability and Error resolution rules
    -Periodic statement requirements
    -Posting of account agreements
    -Compliance checklist and policy

    Audience: Compliance Officers, Branch Administration, Branch Operations, Training and Regulation E Managers.

  • Alert! Regulation CC Proposed Changes

    Plus New Operating Circular 3 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 this means to your financial institution: Completely revised teller procedures on holds and hold forms. New disclosures at new accounts to give at account opening. This one is BIG!! Learn what is involved before we move to the final version.

    Plus we have changes in the federal reserve operating circular 3 which reflect the new electronic rules from Reg CC last summer. These are final.

    Highlights
    -Proposed Regulation CC Changes–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
    -Operating Circular 3 Summary and Changes
    -End to End Update of Operating Circular 3 Reflecting Changes Since Check 21 (each of these Revisions has a list)
    Revisions designed to make the operating circular more focused on electronic processing
    Revisions to the adjustment provisions
    Revisions to reflect other changes to the way the Reserve Banks provide check services
    Revisions with respect to terms defined in the operating circular or Regulation CC.
    Changes to Conform to Reg CC as amended July 1, 2018

    Audience: Deposit Compliance, Deposit Operations, Tellers, Head Tellers and Training Department.

  • 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.

  • 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.

  • 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

  • Annual Compliance Training for Commercial Lenders

    Which regulations apply to commercial loans? Are there special rules if the loans are secured by real estate? Can examiners access civil money penalties for violations? Are there any exceptions when the real estate is taken as an abundance of caution? Do the commercial lenders and support staff at your bank understand the data collection required for HMDA reportable applications? Is a written application required for a business purpose loan?

    Join this webinar to understand the application process with step by step instructions and actual examples that explain the requirements of applicable regulations in terms that are easy to understand and will show examiners that commercial lenders received compliance training in 2017.

     

    Audience: This interactive session is a cost-effective way to gain a greater understanding of the rules about processing applications, and complying with regulations triggered by commercial loans secured by real estate. This informative session will benefit loan officers, loan assistants, loan operations staff, compliance officers, auditors, and trainers.

  • Annual Deposit Regulation Training for Frontline

    Reg CC, D, E, Reg DD, BSA and Identity Theft

    Is your front line a compliance asset or liability? Let?s make them a compliance asset. This regulatory review completes your financial institution?s annual training requirements. It also helps the front line understand that we can be fined and sued if we do not follow our regulatory responsibility. During the webinar, each regulation will spotlight the front line issues and how to handle them. This webinar will help your staff determine if we are in a regulation and if so to determine the course of action. You will be amazed how focused training on front line issues will take you from zero to hero with your regulators.

    Covered Topics
    -Regulation CC Update on Holds and Disclosures
    -Regulation E revisions and understanding your customer?s rights on unauthorized access
    -Regulation D?Six transaction limitations and FDIC disclosures on interest-bearing accounts
    -Regulation DD or TISA?Spotlight on disclosures and answering customer questions about rates and APY
    -BSA?Annual training requirements plus CTRs, SARs and DOEP date fields
    -Disclosures
    -Provides annual regulatory training completion

    Audience: This webinar will benefit compliance officers, customer service representatives, new accounts representatives, personal bankers, telephone call centers, training, branch operations, branch administration, branch managers, assistant branch managers

  • 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.

  • Assessing Your Bank?s Call Center to Take it to the Next Level

    This webinar will provide tools to baseline and evaluate the effectiveness of your call center. Learning Dynamics? Vice President Brian Walker, who has worked with over 400 call center teams, will offer practical strategies to assess your call center and take it to higher levels.

    Covered Topics
    -Assessing culture and strategic intent of your call center
    -Team morale and motivation strategies
    -Baseline coaching and feedback approaches to ensure you have the right team to deliver a positive customer experience
    -Positioning your call center as your virtual branch
    -Metrics to assess your call center?s effectiveness
    -Providing ongoing product, sales/service, and systems training to call center staff

    Audience: Retail Banking or Branch Administration Directors or Staff, Call Center Managers, Operations Managers.

  • Asset Allocation and Portfolio Management

    Describes the purpose of the customer profile information collected for investment policies, and how model portfolios are matched to customer profiles. 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 the portfolio management process and typical customer profiles
    • 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.

  • ATM Jackpotting and Unlimited Operations

    Hopefully you have experienced that rewarding sensation when a casino slot machine dispenses quarters endlessly in your plastic money bucket. In some cases, with larger payouts, a casino employee may come over and give you cash or a check. Now imagine sitting there at our slot machine when $20,000 in bills shoot out.

    Cybercriminals know ATMs are loaded with cash and are investing significant resources in exploiting systems to extract the money. In some cases, causing the cash to shoot out from the ATM. The FFIEC has posted guidance around ATMs to bring awareness to ?Unlimited Operations? fraud schemes. We have also seen ATM Jackpotting by infected it with malware from USB devices, attacked with advanced slim skimmers ?shimmers?, and hacked via network connections. This session is intended to ensure that ATM security has moved up on your radar and been properly integrated into your risk assessment program.

    In this session, we will explain the differences between ATM Jackpotting and ATM Unlimited Operation. We will also explore some of the guidance around ATMs, the latest ATM crime trends, new security controls to mitigate risk, and how you can integrate your ATMs into your Information Security Program.

    What You Will Learn
    -ATM Jackpotting
    -ATM Unlimited Operations
    -FFIEC, FBI, and US-CERT Guidance
    -Real images and examples of ATM compromises
    -Risk Assessment suggestions to select appropriate controls
    -Policy and procedures to implement controls
    -Technical Assessments for ATMs
    -Auditing methods for ATMs

    Audience: Information Security Officer, IT Manager, Risk Officer, Internal Auditor, and Executives looking to understand the ATM Cybersecurity Risks.

  • Audit Report Writing

    The art of audit report writing demands far more than simply listing the four elements of a finding – criteria, condition, cause, and effect. Even adding a fifth element, the recommendation, may be insufficient. This boilerplate approach to writing can threaten independent, critical thinking and undermine the entire audit process, ultimately tarnishing the credibility of the auditor. Skilled auditors require a method that aligns what they experienced during the reviewing process with what they compose during the writing process.

    This highly specialized webinar offers a deep and useful toolbox of techniques that auditors can use when noting audit observations, drafting objective workpapers, and composing well-structured, detailed, and fluent audit reports.

    The program begins with a case study to illustrate each element of an audit checklist, with a close focus on objective reporting. It then uncovers problems of ensuring validity and reliability of findings and determining root cause. The webinar then drills down to a deeper level to organize audit content based on time-tested principles of structure. The rest of the session covers the two pillars of writing style: syntax (word order) and diction (word choice) – each of which poses numerous pitfalls that can compromise the integrity and objectivity of an audit report.

    Reviewing understandable, pertinent examples from various auditing disciplines, you will learn how to remedy the greatest roadblocks to clear thinking through writing and how to cultivate a convincing, authoritative style. You will leave this webinar with excellent resources that you can continually turn to during intense, complex audit engagements.

    What You Will Learn
    -Determine factors affecting the validity and reliability of a finding
    -Assess the appropriate level of detail
    -Create a department-specific template to facilitate the writing process
    -Draft workpapers based on objective observations
    -Employ formatting devices to improve the visual appeal of an audit report
    -Choose fluent sentence structure to illuminate ideas
    -Develop a precise, clear, concise vocabulary for documenting audit reports

    Audience: Managerial or auditing staff who write audit reports on programs or business units for internal and external clients or regulatory agencies.

  • 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.

  • Auditing HMDA

    Join David Dickinson of Banker?s Compliance Consulting for a two-hour webinar on the ins and outs of auditing your HMDA data.

    HMDA is one of the few Regulations that can require civil money penalites for errors related to your HMDA data. Thus, it?s very important to make sure you get it right! There is a lot of information to collect and report so that is sometimes easier said than done. This webinar will help you look at your HMDA data from an auditor?s perspective. It will provide insight and break down each of the following in plain English.

    What You Will Learn
    -What to look for & Where to look for it
    -Loan, Applicant & Underwriting Data Elements
    -Hot Spot Areas
    -Transition Rules
    -Demographic Information
    -And, much more!

    Audience: This webinar is designed for loan officers, loan processors, compliance, audit and other loan operations personnel.

  • 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 Call Report Preparation for Beginners - Part 1

    Designed for bankers new to call report preparation, this series will cover basic reporting requirements, operational schedules, loan schedules, maturity and repricing, and Basel III risk based capital, plus recent accounting changes affecting the Call Report. FFIEC 041 and 051 forms will be used during the presentation.

    Covered Topics
    The webinar series will cover the call report in schedule order. The first webinar will explain general reporting requirements, including consolidation rules, filing deadlines, procedures, and call report resources. In addition, the income statement schedules, RI and RI-A, which can be prepared using the general ledger, will be covered.

    The second webinar will continue with the last three income statement schedule, RI-B, RI-C, and RI-E and follow with coverage of the balance sheet schedules, starting with RC, followed by the detail balance sheet schedules RC-A and RC-B. There will also be a detailed discussion of the loan classification requirements for RC-C.

    The third webinar will continue with the remaining line items on RC-C, parts I & II, followed by coverage of RC-E, RC-F, RC-G, and RC-K.

    The fourth webinar will cover the remaining call report schedules other than risk based capital, RC-L, RC-M, RC-N, RC-O, RC-P, RC-Q, RC-S, & RC-T.

    The final webinar will cover risk based capital under the Basel III rules.

    Audience: Designed for bankers new to call report preparation.

  • Bank Call Report Preparation for Beginners - Part 2

    Designed for bankers new to call report preparation, this series will cover basic reporting requirements, operational schedules, loan schedules, maturity and repricing, and Basel III risk based capital, plus recent accounting changes affecting the Call Report. FFIEC 041 and 051 forms will be used during the presentation.

    Covered Topics
    The webinar series will cover the call report in schedule order. The first webinar will explain general reporting requirements, including consolidation rules, filing deadlines, procedures, and call report resources. In addition, the income statement schedules, RI and RI-A, which can be prepared using the general ledger, will be covered.

    The second webinar will continue with the last three income statement schedule, RI-B, RI-C, and RI-E and follow with coverage of the balance sheet schedules, starting with RC, followed by the detail balance sheet schedules RC-A and RC-B. There will also be a detailed discussion of the loan classification requirements for RC-C.

    The third webinar will continue with the remaining line items on RC-C, parts I & II, followed by coverage of RC-E, RC-F, RC-G, and RC-K.

    The fourth webinar will cover the remaining call report schedules other than risk based capital, RC-L, RC-M, RC-N, RC-O, RC-P, RC-Q, RC-S, & RC-T.

    The final webinar will cover risk based capital under the Basel III rules.

    Audience: Designed for bankers new to call report preparation.

  • Bank Call Report Preparation for Beginners - Part 3

    Designed for bankers new to call report preparation, this series will cover basic reporting requirements, operational schedules, loan schedules, maturity and repricing, and Basel III risk based capital, plus recent accounting changes affecting the Call Report. FFIEC 041 and 051 forms will be used during the presentation.

    Covered Topics
    The webinar series will cover the call report in schedule order. The first webinar will explain general reporting requirements, including consolidation rules, filing deadlines, procedures, and call report resources. In addition, the income statement schedules, RI and RI-A, which can be prepared using the general ledger, will be covered.

    The second webinar will continue with the last three income statement schedule, RI-B, RI-C, and RI-E and follow with coverage of the balance sheet schedules, starting with RC, followed by the detail balance sheet schedules RC-A and RC-B. There will also be a detailed discussion of the loan classification requirements for RC-C.

    The third webinar will continue with the remaining line items on RC-C, parts I & II, followed by coverage of RC-E, RC-F, RC-G, and RC-K.

    The fourth webinar will cover the remaining call report schedules other than risk based capital, RC-L, RC-M, RC-N, RC-O, RC-P, RC-Q, RC-S, & RC-T.

    The final webinar will cover risk based capital under the Basel III rules.

    Audience: Designed for bankers new to call report preparation.

  • Bank Call Report Preparation for Beginners - Part 4

    Designed for bankers new to call report preparation, this series will cover basic reporting requirements, operational schedules, loan schedules, maturity and repricing, and Basel III risk based capital, plus recent accounting changes affecting the Call Report. FFIEC 041 and 051 forms will be used during the presentation.

    Covered Topics
    The webinar series will cover the call report in schedule order. The first webinar will explain general reporting requirements, including consolidation rules, filing deadlines, procedures, and call report resources. In addition, the income statement schedules, RI and RI-A, which can be prepared using the general ledger, will be covered.

    The second webinar will continue with the last three income statement schedule, RI-B, RI-C, and RI-E and follow with coverage of the balance sheet schedules, starting with RC, followed by the detail balance sheet schedules RC-A and RC-B. There will also be a detailed discussion of the loan classification requirements for RC-C.

    The third webinar will continue with the remaining line items on RC-C, parts I & II, followed by coverage of RC-E, RC-F, RC-G, and RC-K.

    The fourth webinar will cover the remaining call report schedules other than risk based capital, RC-L, RC-M, RC-N, RC-O, RC-P, RC-Q, RC-S, & RC-T.

    The final webinar will cover risk based capital under the Basel III rules.

    Audience: Designed for bankers new to call report preparation.

  • Bank Call Report Preparation for Beginners - Part 5

    Designed for bankers new to call report preparation, this series will cover basic reporting requirements, operational schedules, loan schedules, maturity and repricing, and Basel III risk based capital, plus recent accounting changes affecting the Call Report. FFIEC 041 and 051 forms will be used during the presentation.

    Covered Topics
    The webinar series will cover the call report in schedule order. The first webinar will explain general reporting requirements, including consolidation rules, filing deadlines, procedures, and call report resources. In addition, the income statement schedules, RI and RI-A, which can be prepared using the general ledger, will be covered.

    The second webinar will continue with the last three income statement schedule, RI-B, RI-C, and RI-E and follow with coverage of the balance sheet schedules, starting with RC, followed by the detail balance sheet schedules RC-A and RC-B. There will also be a detailed discussion of the loan classification requirements for RC-C.

    The third webinar will continue with the remaining line items on RC-C, parts I & II, followed by coverage of RC-E, RC-F, RC-G, and RC-K.

    The fourth webinar will cover the remaining call report schedules other than risk based capital, RC-L, RC-M, RC-N, RC-O, RC-P, RC-Q, RC-S, & RC-T.

    The final webinar will cover risk based capital under the Basel III rules.

    Audience: Designed for bankers new to call report preparation.

  • 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 Business Entities & Other Commercial Borrowers

    Key issues for business entities include who, if anyone, has personal liability for the debts of the business and what is the impact of federal, state and local taxes on the business and its owners. Essential legal principles underlying creation and operation of borrower entities are also significant for lenders concerned with creating effective and enforceable loan documents. This webinar presents a survey of requirements, characteristics, advantages, disadvantages plus creation and documentation issues for the most frequently used types of business entities.

    Covered Topics:
    -Sole Proprietorships
    -General Partnerships
    -Limited Partnerships
    -Limited Liability Partnerships
    -C Corporations
    -S Corporations
    -Limited Liability Companies
    -Series LLCs
    -Real Estate Investment Trusts
    -Cooperative Associations
    -Professional Corporations
    -Professional Associations

    Audience: This webinar is suitable for both lenders and account managers. It provides new bankers with essential information for understanding and managing business relationships. Experienced bankers will find it a valuable refresher course.

  • Basic Cash Flow Analysis

    Determining an entity’s ability to generate cash flow is essential whenever repayment of a loan will extend beyond one year. Cash flow analysis measures an entity’s ability to generate sufficient cash to operate successfully and have excess cash to service annual debt payment requirements. Understanding how to calculate and interpret cash flow is essential for successful financial institutions.

    Learn how to calculate cash flow using the Universal Cash Flow Analysis method (UCA), which determines the flow of cash into and out of a business entity. First, we’ll define cash flow and identify potential sources and uses of cash. Next we’ll illustrate how cash flow analysis is actually the process of converting an Accrual Basis financial statement into a Cash Basis financial statement. We’ll cover the Rules of Cash Flow when determining cash flow generation from changes in asset, liability and capital accounts on balance sheets over time. We’ll culminate by using a full UCA from beginning to end.

    Covered Topics
    -Comparison of Traditional Cash Flow Method (Net Income + Depreciation + Interest divided by Annual Debt Service) to the UCA model
    -Rules of Cash Flow
    -Accrual Basis versus Cash Basis of preparing financial statements, and how cash flow analysis links the two
    -How each amount on a Universal Cash Analysis is calculated and the meaning of each
    -A Fast Cash Analysis method that can achieve the same results in less time than the UCA method
    Leave with a good understanding of how cash flow is calculated and more importantly, how to interpret its meaning.

    Audience: Senior Loan Officers, Senior Credit Officers, Commercial Loan Officers, Branch Managers, Credit Analyst, Loan Review Personnel, and Consumer Loan Officers

  • 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 Banking: An Overview

    This webinar will provide an ?introduction? to the banking industry and touch on most all aspects of banking. This webinar is a must for all new bankers and/or those that want to ?brush up? on their general banking knowledge!

    Covered Topics
    -Full-service commercial banking including a brief history of the modern US banking industry and how banks make money
    -Products and services offered by banks including depository accounts, lending, trust department, and cash management
    -Types of loans-consumer, residential, and commercial
    -The five ?Cs? of credit: capacity, capital, collateral, conditions, and character
    -Investment products (FDIC and non-FDIC insured)
    -Competitors in the market place
    -Emerging technologies including the latest trends
    -Banking regulations and regulatory agencies
    -Management of the bank including the ALCO, audit, and loan committees

    Audience: Credit analysts, personal bankers, financial service representatives, tellers, business development officers

  • 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.

  • Basics of Real Estate Loan Documentation

    This webinar provides a comprehensive overview of essential real estate loan documentation requirements, regulatory compliance issues, sound loan administration issues and best practices.

    All necessary preclosing and closing real estate loan documents and requirements will be discussed with a focus on their purpose, use, timing and legal aspects. Key points of concern from both a legal and credit viewpoint will be discussed.

    What You Will Learn
    -Real estate lien notes
    -Letters of Intent, Commitment Letters and Loan Agreements
    -Mortgages and Deeds of Trust
    -Real property legal descriptions
    -Purchase and sale agreements
    -Appraisal requirements and regulatory guidelines
    -Evaluations
    -Surveys, title commitments and title insurance
    -Property and casualty insurance
    -Deed restrictions and zoning
    -Environmental risk assessments
    -Flood insurance regulations
    -Basic construction lending documentation
    -Essential loan administration
    -Closing documentation
    -Essential loan administration issues, loan agreements and construction lending monitoring requirements
    -Key real estate bankruptcy concepts

    Audience: Loan officers, loan assistants, loan operations personnel, loan review personnel, compliance and audit personnel or any banker wishing to enhance his/her knowledge and understanding of the "hows" and "whys" of real estate lending.

  • 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.

  • Being Strategic with Base Compensation for Non-Executive Positions

    What questions should your Bank ask about compensation below the CEO and top executives? This session will address pay equity regulations, setting job grades, performance evaluation best practices, and determining base salary and appropriate raises for employees. As part of this session we will provide information on conducting market research using industry surveys, using market research to establish and set salary grades, and linking salary increases to positioning in a salary grade and performance. We will also briefly discuss such items as FLSA job classifications (exempt vs. non-exempt) and effectively writing job descriptions. Our focus in this session is helping HR professionals sort through some of the compensation related challenges they may encounter outside of the executive level.

    Covered Topics
    -Salary administration and salary grade best practices
    -How to use market research and banking industry surveys to benchmark positions within your financial institution
    -Performance evaluation sample forms and best practices
    -Summary of FLSA classification requirements
    -Sample job description format

    Audience: HR Staff is the primary intended audience for this webinar. CEO's and CFO's would also benefit from this information.

  • Beneficial Ownership: Where are we Now?

    It should be easy to comply with beneficial ownership, but it is not. Unknown challenges and issues have emerged as we live in our first year with the regulation. So where are we now? What issues to we still need to resolve? Two sets of FAQs, Exam procedures and the regulation itself have created more confusion as we try to comply with all the information. This program will point out common errors and the still unresolved and unanswered questions for beneficial ownership.

    Covered Topics
    -Common errors on beneficial ownership form
    -Issues with nonprofit organizations and shared tax identification numbers
    -Sweep Accounts?repos and CEDARs programs
    -CD renewals ? not as easy as you think
    -Who is in and who is out
    -Examination issues
    -Date the account was opened issues
    -And much much more?

    Audience: BSA Officers, Compliance Officers, Deposit and Loan Operations, Branch Administration and Training.

  • 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.

  • Best-Ever Compliance Checklists for Commercial Loans

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    Audience: Lenders, loan processors, compliance officers and loan review personnel.

  • Best-Ever Compliance Checklists for Commercial Loans

    We tend to think of business and agricultural loans as exempt from troublesome compliance requirements. But several compliance-related laws apply to commercial loans as well as consumer loans.

    This colorful checklist, patterned after the popular Best-Ever Consumer Checklists, will guide bankers through those traps and ensure compliance. In addition to addressing compliance issues, this checklist (and the accompanying handout) will provide “best practice” suggestions and reminders that commonly apply to commercial loans. We’ll include information on business-entity documentation, underwriting documents, guarantors and security interests.

    Covered Topics
    -HMDA requirements (updated for the 2018 requirements)
    -Customer identification (CIP)
    -Environmental risk analysis
    -Appraisal/evaluation requirements
    -Reg B rules
    Adverse action
    Providing copies of appraisals
    Documenting intent to apply for joint credit
    -Flood insurance requirements

    Audience: Lenders, loan processors, compliance officers and loan review personnel.

  • Best-Ever Compliance Checklists for Consumer Loans

    For several years, Anne Lolley has shared her popular compliance checklists with bankers. In this latest webinar, Anne will again offer and explain those checklists. The colorful and easy-to-use checklists are designed to chronologically lead lenders and processors through the various compliance requirements, and financial institutions that properly use these checklists will virtually eliminate compliance errors.

    The webinar will include a supplementary booklet explaining each checklist requirement. Upon request, Anne will e-mail the individual checklists to anyone attending this webinar. The individual checklists will be formatted in Word and can easily be saved to a word processor (or bank network) and printed as needed.

    In addition, Anne has just completed companion worksheets that can be used to review consumer loans and will email those checklists to registrants upon request.

    Covered Topics
    -Truth in Lending (right of rescission, high-cost mortgages, HPMLs, ARMs, TRID disclosures)
    -RESPA
    -HMDA
    -Reg B (appraisal copies, joint credit, adverse action)
    -Flood insurance
    -Appraisals and evaluations
    -FACTA credit score disclosures
    -Insurance disclosures
    -Military Lending Act

    Audience: Lenders, loan processors, compliance officers and loan review personnel

  • Best-Ever Compliance Checklists for Consumer Loans

    his is the description from our webinar that was presented in January 2019. Please check back for a modified description. Topics may be updated, but registration is now open.

    For several years, Anne Lolley has shared her popular compliance checklists with bankers. In this latest webinar, Anne will again offer and explain those checklists. The colorful and easy-to-use checklists are designed to chronologically lead lenders and processors through the various compliance requirements, and financial institutions that properly use these checklists will virtually eliminate compliance errors.

    The webinar will include a supplementary booklet explaining each checklist requirement. Upon request, Anne will e-mail the individual checklists to anyone attending this webinar. The individual checklists will be formatted in Word and can easily be saved to a word processor (or bank network) and printed as needed.

    In addition, Anne has just completed companion worksheets that can be used to review consumer loans and will email those checklists to registrants upon request.

    Covered Topics
    -Truth in Lending (right of rescission, high-cost mortgages, HPMLs, ARMs, TRID disclosures)
    -RESPA
    -HMDA
    -Reg B (appraisal copies, joint credit, adverse action)
    -Flood insurance
    -Appraisals and evaluations
    -FACTA credit score disclosures
    -Insurance disclosures
    -Military Lending Act

    Audience: Lenders, loan processors, compliance officers and loan review personnel

  • 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

    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 10 Exam Hot Spots

    During this webinar we will look at the examination hot spots for 2019. Risk assessments, updating policy and procedure, adapting your program for advisories and new crimes. Your program we look at continued problems with CIP and CDD. We will review technical errors audits are finding on the CTR and SAR. You will receive an update of the cyber-crimes, human trafficking and other crimes that have been added to the SAR in 2019.

    Covered Topics
    -How to build a better risk assessment
    -CIP and CDD including common errors on beneficial ownership
    -CTR including issues with privately held ATMs
    -SARS and the red flag cycle
    -BSA Training Requirements
    -Updating your policy and procedures for all the changes from 2018
    -Working with high risk customers and services what is BSA?s role
    -From red flag to SAR the cycle of alerts
    -New crimes and completing the SAR
    -Managing the BSA process

    Audience: BSA Officers and coordinators, compliance, security and IT.

  • 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 CIP and CDD

    Originally, you wrote your CIP in 2003. Is it time to change? If you have any of the questions below, we will explore changing your CIP in light of new systems, processes and technology in 2019. Your program should shift with the new technologies and identifications in the market place. This program will look line-by-line at the regulation and point out avenues of change to explore in 2019.

    If there is an elephant in the room it is Customer Due Diligence. What does it mean to ?know? your account holder? When do we have to ask purpose, source and anticipated volume questions? How can we enforce compliance with our program in our institutions? These questions are hard ones and the regulation on CDD doesn?t help. This program will evaluate CDD and EDD regulation, exam guidance and provide thoughts on how to proceed with a program that is sales friendly to the account holder. We look at the regulation line-by-line and what to expect during examination.

    Covered Topics:
    -Line by line look at the regulation on Customer Identification Programs
    -What Information that must be obtained before an account is opened
    -Required Documentary and non-documentary verification
    -Should we add more types of identification? What types are available?
    -Do we keep CIP up to date?
    -How should we address online banking?
    -Is non-documentary verification enough?
    -Can we back off from our CIP of 2003 now that we have more systems in place?
    -Examination expectations on Customer Due Diligence
    -Keeping customer records up to date
    -Anticipating transactions and activities
    -Enhanced due diligence on high risk customers
    -Developing the questionnaire
    -On-going during the relationship
    -When should we close a relationship? And how do we close?
    -What regulatory concerns do we have?
    -Working with sales and not against them
    -A look at CDD rules?beneficial owners, controlling person and the form
    -Renewals, IOLTAs, Trusts and Multi-tiered business ownership

    Audience: This webinar will benefit BSA Officers, BSA Support personnel, Deposit Operations, Compliance Officer and Training.

  • BSA Emerging Issues 2019

    2019 brings new and emerging BSA issues to the forefront for examinations. These issues will continue to challenge BSA professionals to stay ahead of the curve in managing risk for your entity.

    Highlights
    -Cybercrimes and the Dark Web
    -CDD and Beneficial Ownership – where are we now?
    -CTR Hot Spots
    -New SAR in effect 2019
    -SARs, date field changes, narratives and crimes
    -Responding to negative news
    -North Korea red flags
    -Human trafficking
    -Elder fraud
    -Banking marijuana related businesses
    -High risk customers and monitoring
    -And much more…

    Audience: BSA Officers, BSA support staff, compliance, training and security officers

  • 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

    It?s time for a wrap on 2018 and a look towards 2019. This year-end wrap up will focus on looking at the 2018 year including beneficial ownership, new CTR, and New SAR. We will look at the areas of hot crime and the examination hot spots. This is program is a must as we head to 2019.

    Covered Topics
    -What?s gone right and wrong with beneficial ownership certifications
    -New SAR data fields
    -CTR problems and concerns
    -Managing high risk customers
    -Getting those risk assessments whipped into shape
    -Audits, Policy and procedures that need fixing
    -Hot Exam Spots
    -Coming attractions in 2019

    Audience: BSA Officers and Staff

  • BSA Year End Round Up

    Audience:

  • BSA/AML & OFAC Compliance - Part I

    Some people might think that regulatory attention to the BSA has let up over the past couple of years, given other difficulties and areas of concern, such as fair lending, TRID, HMDA, and UDAP. Think again. With the safety and soundness of the entire industry the focus of news stories every day and many well-publicized enforcement actions, the regulators obviously haven’t eased up. These rules are still very close to being the #1 issue facing compliance officers.

    In Part 1, we’ll discuss the Bank Secrecy Act provisions in general, including program requirements, risk assessments, CTRs, SARs, and the Beneficial Owner provisions, among other things.

    We’ll also talk about where the risk areas are and where examiners are criticizing institutions. Your comprehensive program must be continually updated, and we’ll make sure you have the information you need to meet expectations.

    Covered Topics
    -BSA program requirements, including the 4 (5?) pillars
    -Updating your risk profiles, including due diligence responsibilities
    -Currency Transaction Reporting hotspots, including exemptions
    -Suspicious Activity Reporting – the backbone of an effective BSA program
    -Due diligence responsibilities, including Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD) for high-risk customers
    -Selling monetary instruments for cash – collecting and retaining information
    -Money Services Businesses (MSBs) ? a special type of customer
    -Funds transfer recordkeeping – more information collection
    -OFAC rules ? who and what to screen?
    -Blocked & rejected transactions – what’s the difference and how do I know which to do?
    -Additional USA Patriot Act requirements, such as 314(a), PEPs, and Pouch activities
    -Identifying customers and maintaining proper evidence under CIP rules
    -Regulatory reorganization of BSA rules
    -FinCEN hotspots and areas for review
    -And more

    Audience: These rules impact most anyone in your institution who has direct dealings with customers, such as Customer Service Representatives and tellers. But others are impacted as well, like loan officers and others who make important customer-related decisions. Compliance officers, auditors, attorneys, and management too will benefit from this information, as well, as they often are the ones who must draft these complex programs, administer them, and audit them.

  • BSA/AML & OFAC Compliance - Part II

    Some people might think that regulatory attention to the BSA has let up over the past couple of years, given other difficulties and areas of concern, such as fair lending, TRID, HMDA, and UDAP. Think again. With the safety and soundness of the entire industry the focus of news stories every day and many well-publicized enforcement actions, the regulators obviously haven’t eased up. These rules are still very close to being the #1 issue facing compliance officers.

    In Part 2, we?ll discuss the Customer Identification Program (CIP) rules, other BSA reporting, including funds transfer recordkeeping, PEPs, pouch rules, and the Office of Foreign Asset Control (OFAC) regulations.

    We’ll also talk about where the risk areas are and where examiners are criticizing institutions. Your comprehensive program must be continually updated, and we’ll make sure you have the information you need to meet expectations.

    Covered Topics
    -BSA program requirements, including the 4 (5?) pillars
    -Updating your risk profiles, including due diligence responsibilities
    -Currency Transaction Reporting hotspots, including exemptions
    -Suspicious Activity Reporting – the backbone of an effective BSA program
    -Due diligence responsibilities, including Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD) for high-risk customers
    -Selling monetary instruments for cash – collecting and retaining information
    -Money Services Businesses (MSBs) ? a special type of customer
    -Funds transfer recordkeeping – more information collection
    -OFAC rules ? who and what to screen?
    -Blocked & rejected transactions – what’s the difference and how do I know which to do?
    -Additional USA Patriot Act requirements, such as 314(a), PEPs, and Pouch activities
    -Identifying customers and maintaining proper evidence under CIP rules
    -Regulatory reorganization of BSA rules
    -FinCEN hotspots and areas for review
    -And more

    Audience: These rules impact most anyone in your institution who has direct dealings with customers, such as Customer Service Representatives and tellers. But others are impacted as well, like loan officers and others who make important customer-related decisions. Compliance officers, auditors, attorneys, and management too will benefit from this information, as well, as they often are the ones who must draft these complex programs, administer them, and audit them.

  • BSA/AML for Lenders

    The BSA/AML Interagency Exam manual addresses lending within its coverage and a key examiner focus is the following: ?Assess the adequacy of the bank?s systems to manage the risks associated with lending activities, and management?s ability to implement effective due diligence, monitoring, and reporting systems.? Lending activities include, but are not limited to, residential and commercial real estate, secured commercial loans, credit cards, consumer, commercial, and agricultural loans. Lending activities can include multiple parties (e.g., guarantors, signatories, principals, or loan participants). The new 5th Pillar CDD rule takes particular aim at commercial lending and turns implied guidance into express regulations. The BSA considers all loans, whether they be residential, commercial, consumer, etc to be ?accounts? and subject to the CIP requirements and applicable to SAR and CTR reporting.

    A number of the BSA examiners ?grew up? in the Safety and Soundness world and are particularly adept in identifying BSA-related deficiencies in the commercial lending area and therefore find lax controls in the commercial lending area because some commercial lenders believe that the BSA is a compliance regulation and doesn?t apply to commercial loans. Additionally, many banks still have BSA training programs primarily tailored to consumer deposit accounts and do not provide sufficient training for lending-related situations.

    This two-hour program will assist your bank in determining whether your BSA Compliance Program adequately includes controls, such as training, policies and procedures, monitoring, etc for loan products in addition to deposit products. It will also teach you how to conduct due diligence on related account parties (i.e., guarantors, signatories, or principals) as well as beneficial owners.

    Covered Topics
    -Commercial and residential mortgage loan money laundering schemes identified by FinCEN through a 10-year study of SARs;
    -Lending Red Flags, including those addressed in the BSA Exam Manual and many more
    -Customer Due Diligence (CDD) and, Enhanced Due Diligence (EDD) expectations regarding loans;
    -Beneficial Ownership identification and verification requirements for Legal Entity Customers;
    -How to develop customer risk profiles and conduct ongoing risk-based monitoring for loan products;
    -SAR and CTR reporting requirements; and
    -Portions of your BSA Policy/Program that need to address lending.

    Audience: The program is designed for Commercial Loan Officers, Commercial Operations Personnel, BSA Officers, Compliance Officers, Auditors, and those responsible for either overseeing BSA in general or those within the lending business units with BSA responsibilities.

  • 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.

  • BSA: Professional Money Laundering Businesses

    During this program, we will look at the professionals who help the criminal enterprise. Sometimes a single individual and sometimes a business that will launder the proceeds of crime. FATF released in 2018 a report on these businesses that will help you detect and identify these businesses in your banks. From A to Z on how these business work and the techniques they employee to move illicit funds.

    Highlights
    -Characteristics of Professional Money Laundering
    -Specialized services and business models
    -Types of dedicated ML Organizations
    Money Mules
    Digital Money and Virtual Currency
    Networks
    -Mechanisms that are used
    Trade Based Money Laundering
    Account Settlements
    Underground banking
    -Criminal Service Providers
    Banks
    Lawyers
    Payment Processors

    Audience: BSA Officers, BSA Investigators, SAR Reporting Staff, Compliance, Security and Training.

  • 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 for All Responsible Parties

    All financial institutions want a plan in place that ensures growth. Since the caveman bankers lived off of location and credibility, that?s history. This online seminar teaches those charged with business development responsibilities the primary skills, thought processes and behaviors necessary to expand relationships and to excel at client acquisition. Business development isn’t about luck or magic. It’s not about being pushy. It’s about following a process, it’s about having a plan, and becoming deliberate and on purpose when it comes to exploring and acquiring new business.

    Sign up those that must support the plan for growth!

    What You Will Learn
    Twelve Steps to Elevate Your Effectiveness

    1. Know and Exceed What is Expected
    2. Overcome Resistance and Other Detours
    3. Manage the Impression and Polish the Brand
    4. Sharpen Product Knowledge
    5. Become the Market Expert
    6. Identify Targets
    7. Set Goals
    8. Build Your Plan
    9. Execute Your Plan
    10. Use Best Practices for Effective Calls
    11. Document Your Effort and Your Results
    12. Follow Up; Follow Through
    Branch managers, lenders and business development experts are obligated to represent the brand of the company, develop a tactic for knowing products and services, setting goals, building a sales performance plan that is well-managed, executed and adjusted in order to obtain the desired results.

    Audience: Branch managers, lenders, business development experts and those responsible for sales training and leading the way for growth.

  • 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 Plans That Get Results

    Business executives, startup entrepreneurs, and MBA students alike seek a reliable formula for a business plan whether they are writing:

    an annual business plan forecasting short-term company objectives
    a feasibility business plan concluding on whether to pursue a course of action
    a financial business plan addressing fiscal and legal obligations to shareholders
    a growth business plan analyzing the company?s expansion strategy
    an operations business plan detailing new production lines
    a startup business plan requesting funding from investors to support business goals
    a strategic business plan setting the mission, vision, and objectives of the company
    Business Plans That Get Results guides you through the process of composing a business plan for audiences either internal or external to your company. After identifying various types and purposes of business plans, the speaker moves you through two business plans, one written from a business unit to upper management and the other from the company to an external funding source. He covers language issues in the first draft and during revision to heighten the impact through top-down paragraphing and strong transitions.

    What You Will Learn
    -Identify the similarities and differences of internal and external business plans
    -Relate the SWOT and 5C Analyses to a business plan
    -Determine the 5W/H (who, what, when, where, why, and how) of a situation analysis
    -Work the which of the options that many planners fail to consider
    -Draft the language that blends all elements of the situation analysis
    -Organize the sections of diverse business plans
    -Focus paragraphs with emphatic openings and clear transitions

    Audience: This webinar provides valuable assistance to managers and development teams that must write annual business plans, feasibility business reports, financial business plans, growth business plans, operations business plans, startup business plans, or strategic business plans.

  • 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 Writing for Financial Professionals

    Financial professionals realize that mastery of their profession is not limited to preparing and presenting meeting briefings and firing off summary emails on business issues. Writing proficiency emerges from an ability to draft and edit operational and financial inquiries, fiscal analyses, revenue forecasts, internal justifications, appropriation requests, client proposals, business cases, and other financial documents depending on organizational responsibilities. This webinar provides a systematic, top-down approach to business-writing situations that includes the key principles of focused, thorough, organized, and articulate financial documents.

    What You Will Learn
    -Focus the audience on the purpose of the message
    -Determine the appropriate level of content
    -Organize data to focus the reader
    -Heighten the importance of facts to address the reader?s concerns

    Audience: This webinar is for accounting professionals, banking managers, business forecasters, economic advisors, investment consultants, and risk analysts responsible for writing internal and external reports and proposals.

  • 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.

  • 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 Report - Lending Schedules for Banks

    Loan information on the Call Report provides critical credit information for regulators, especially in today’s environment. Examiners are reviewing call report schedules in much more detail than in the past. The rules for schedule RC-C dictate how loans are to be reported on all loan schedules, including the income statement, charge-offs and recoveries, averages, and past dues and non-accruals. This webinar will help you learn the classification priority for reporting loan information correctly and will provide detailed information on correctly reporting unused commitments, interest rate lock commitments, and insider loans.

    Covered Topics
    -RC-C, Loan Classification
    -RC-C Memoranda
    -RC-K, Loan Quarter to Date Averages
    -RC-L, Unused Commitments, Letters of Credit, Interest Rate Locks
    -RC-M, Insider Loans
    -RC-N, Past Due and Non-accrual Loans
    -RI 1a, Interest & Fee Income on Loans
    -RI-B, Charge-Offs and Recoveries

    Audience: This review of the loan schedules will benefit anyone in the lending area, including loan officers, loan assistants, and any loan operations personnel responsible for coding loans. It will supplement annual comprehensive Call Report training recommended by bank regulators.

  • Call Report - Lending Schedules for Banks

    This is the description from our webinar that was presented in March 2019. Please check back for a modified description. Topics may be updated, but registration is now open.

    Loan information on the Call Report provides critical credit information for regulators, especially in today’s environment. Examiners are reviewing call report schedules in much more detail than in the past. The rules for schedule RC-C dictate how loans are to be reported on all loan schedules, including the income statement, charge-offs and recoveries, averages, and past dues and non-accruals. This webinar will help you learn the classification priority for reporting loan information correctly and will provide detailed information on correctly reporting unused commitments, interest rate lock commitments, and insider loans.

    Covered Topics
    -RC-C, Loan Classification
    -RC-C Memoranda
    -RC-K, Loan Quarter to Date Averages
    -RC-L, Unused Commitments, Letters of Credit, Interest Rate Locks
    -RC-M, Insider Loans
    -RC-N, Past Due and Non-accrual Loans
    -RI 1a, Interest & Fee Income on Loans
    -RI-B, Charge-Offs and Recoveries

    Audience: This review of the loan schedules will benefit anyone in the lending area, including loan officers, loan assistants, and any loan operations personnel responsible for coding loans. It will supplement annual comprehensive Call Report training recommended by bank regulators.

  • Call Report for Banks - Recent Changes, Highlights, and Pitfalls

    The regulators are continuing on their burden reducing approach and announced more reductions in November 2018 to the FFIEC 051 forms. The regulators are proposing to increase the small bank eligibility size for filing on the FFIEC 051 form from $1 billion in assets size to $5 billion and to make more line items required only semi-annually. The most significant change to semi-annual reporting will be RCR Pt II lines 1-25, the detail reporting of both on and off balance sheet risk weighting. Total risk weighted assets however, will still be required to be reported. Banks with assets of more than $1 billion will be required to report the consumer deposit detail information on balances and service charges in December only; schedule RIC semi-annually; RCO M2 on a quarterly basis. In a second proposal the regulators are considering regulatory burden relief to qualifying community banking organizations by allowing an option to calculate a simple leverage ratio, rather than multiple measures of capital adequacy.

    In September, 2018 the regulators issued proposed revisions to the 2019 Call Report to align the information in the call report with the new credit loss accounting standard. The changes include updates to twelve schedules to address the broader scope of financial assets for which an allowance for credit losses must be established and maintained. Under a CECL proposed notice of rulemaking, a bank may elect to phase in the regulatory capital impact of adopting CECL over a three year period.

    Changes to reporting of high volatility commercial real estate (HVCRE) exposures as well as reciprocal deposits were included in the June, 2018 supplemental instructions.

    The webinar will cover the latest revisions, including the November and September, 2018 proposed changes to March, 2019. In addition, updates due to revisions in accounting standards, other areas of concern, and common errors made during call report preparation will be reviewed.

    Learn About
    2019 Proposed Revisions:

    -Further burden reducing updates to the FFIEC 051 forms, including semi-annual reporting of RCR Pt II lines 1-25 (November, 2018)
    -Option to calculate a simple leverage ratio, rather than multiple measures of capital adequacy for banks that meet certain criteria
    -FFIEC 041 and 051 schedule changes due to address the broader scope of financial assets for which an allowance for credit losses must be established and maintained
    Recent Accounting Updates (equities, leases, other real estate)

    Common Errors Made in Call Report Preparation

    Audience: This update will benefit more experienced Call Report preparers, reviewers, and auditors. It will supplement annual comprehensive Call Report training recommended by bank regulators.

  • Call Report Update Seminar & Video Webcast

    The regulators are continuing on their burden reducing approach and announced more reductions in November 2018 to the FFIEC 051 forms. The regulators are proposing to increase the small bank eligibility size for filing on the FFIEC 051 form from $1 billion in assets size to $5 billion and to make more line items required only semi-annually. The most significant change to semi-annual reporting will be RCR Pt II lines 1-25, the detail reporting of both on and off balance sheet risk weighting. Total risk weighted assets however, will still be required to be reported. Banks with assets of more than $1 billion will be required to report the consumer deposit detail information on balances and service charges in December only; schedule RIC semi-annually; RCO M2 on a quarterly basis. In a second proposal the regulators are considering regulatory burden relief to qualifying community banking organizations by allowing an option to calculate a simple leverage ratio, rather than multiple measures of capital adequacy.

    In September, 2018 the regulators issued proposed revisions to the 2019 Call Report to align the information in the call report with the new credit loss accounting standard. The changes include updates to twelve schedules to address the broader scope of financial assets for which an allowance for credit losses must be established and maintained. Under a CECL proposed notice of rulemaking, a bank may elect to phase in the regulatory capital impact of adopting CECL over a three year period.

    Changes to reporting of high volatility commercial real estate (HVCRE) exposures as well as reciprocal deposits were included in the June, 2018 supplemental instructions.

    The webinar will cover the latest revisions, including the November and September, 2018 proposed changes to March, 2019. In addition, updates due to revisions in accounting standards, other areas of concern, and common errors made during call report preparation will be reviewed.

    Learn About
    2019 Proposed Revisions:

    Further burden reducing updates to the FFIEC 051 forms, including semi-annual reporting of RCR Pt II lines 1-25 (November, 2018)
    Option to calculate a simple leverage ratio, rather than multiple measures of capital adequacy for banks that meet certain criteria
    FFIEC 041 and 051 schedule changes due to address the broader scope of financial assets for which an allowance for credit losses must be established and maintained
    Recent Accounting Updates (equities, leases, other real estate)

    Common Errors Made in Call Report Preparation

    Audience: This update will benefit more experienced Call Report preparers, reviewers, and auditors. It will supplement annual comprehensive Call Report training recommended by bank regulators.

  • Call Reports: RC-C Loan Coding and Related RC-R Reporting

    Loan information on the Call Report provides critical credit information for regulators, especially in today’s environment. The rules for coding loans reported on Schedule RC-C dictate how loans are to be reported on all loan schedules in the Call Report, including the income statement, charge-offs and recoveries, averages, and past dues and non-accruals. This webinar will help you learn the classification priority for reporting loan information correctly. Learn when to code the loan based on borrower, when to code based on collateral, and when to code based on purpose. In addition, this webinar will cover the four risk-based capital categories of loans, residential mortgage exposures, high volatility commercial real estate (including the alternate definition discussed in the June, 2018 supplemental instructions), past due 90+ days and non-accrual, and other loans and the rules for risk weighting loans within each category as well as the reporting of unfunded commitments.

    Covered Topics
    -How and when to code loans based on borrower, purpose, or collateral
    -Risk-based capital on balance sheet loan categories and allowed risk weightings for each category
    -Risk-based capital loan related off balance sheet items

    Audience: Anyone responsible for assigning or reviewing the regulatory codes on loans, and anyone responsible for preparing risk-based capital, including loan officers, loan assistants, loan operations personnel, and call report preparers. The webinar will review the classification priority rules for schedule RC-C and cover where loans are reported on RC-R and the criteria for risk-weighting within each category. This two-hour update will benefit even experienced Call Report preparers, reviewers, and auditors. It will supplement annual comprehensive Call Report training recommended by bank regulators.

  • Call Reports: RC-C Loan Coding and Related RC-R Reporting

    Loan information on the Call Report provides critical credit information for regulators, especially in today’s environment. The rules for coding loans reported on Schedule RC-C dictate how loans are to be reported on all loan schedules in the Call Report, including the income statement, charge-offs and recoveries, averages, and past dues and non-accruals. This webinar will help you learn the classification priority for reporting loan information correctly. Learn when to code the loan based on borrower, when to code based on collateral, and when to code based on purpose. In addition, this webinar will cover the four risk-based capital categories of loans, residential mortgage exposures, high volatility commercial real estate (including the alternate definition discussed in the June, 2018 supplemental instructions), past due 90+ days and non-accrual, and other loans and the rules for risk weighting loans within each category as well as the reporting of unfunded commitments.

    Covered Topics
    -How and when to code loans based on borrower, purpose, or collateral
    -Risk-based capital on balance sheet loan categories and allowed risk weightings for each category
    -Risk-based capital loan related off balance sheet items

    Audience: Anyone responsible for assigning or reviewing the regulatory codes on loans, and anyone responsible for preparing risk-based capital, including loan officers, loan assistants, loan operations personnel, and call report preparers. The webinar will review the classification priority rules for schedule RC-C and cover where loans are reported on RC-R and the criteria for risk-weighting within each category. This two-hour update will benefit even experienced Call Report preparers, reviewers, and auditors. It will supplement annual comprehensive Call Report training recommended by bank regulators.

  • 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

    During this two hour 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 community bank currently offers, what you?re missing, and come up with strategies to implement and offer the right products and services for your bank. 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, gain ideas from the other participants on how to implement the products and services your clients expect you to offer, conduct a risk assessment on any new products, and bring back ideas to your bank 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.

    Webinar Overview:

    Part I ? Cash Management Knowledge
    Part II ? Marketing & Sales Process
    Part III ? Product Implementation
    Part IV ? The Future of Cash Management
    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 Bank?s Technology, Operations and Sales teams
    -Identifying new bank 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, Deposit sales team, Business bankers/lenders, Technology personnel (IT network support and core system support staff), Presidents, COOs who want to learn more about Cash Management.

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

    During this two hour 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 community bank currently offers, what you?re missing, and come up with strategies to implement and offer the right products and services for your bank. 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, gain ideas from the other participants on how to implement the products and services your clients expect you to offer, conduct a risk assessment on any new products, and bring back ideas to your bank 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.

    Webinar Overview:

    -Part I ? Cash Management Knowledge
    -Part II ? Marketing & Sales Process
    -Part III ? Product Implementation
    -Part IV ? The Future of Cash Management
    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 Bank?s Technology, Operations and Sales teams
    -Identifying new bank 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, Deposit sales team, Business bankers/lenders, Technology personnel (IT network support and core system support staff), Presidents, COOs who want to learn more about Cash Management.

  • 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.

  • CECL

    Audience:

  • CECL Methodology: The New Accounting Standard

    The Allowance for Loan and Lease Losses (?ALLL?), represents one of the most significant estimates in an institution?s financial statements and regulatory reports. It is a major portion of credit administration and is considered a key factor in maintaining a safe and sound financial institution. It is a valuation reserve established and maintained by charges against the bank?s operating income and is estimate of loans that may be uncollectible.

    However, users of financial statement issued by financial institution expressed concerns that current United States Generally Acceptable Accounting Principles (GAAP) calculation of the Allowance restricts the ability to record credit losses that are expected, because they do not meet the ?probable? threshold. After the economic crisis, various stakeholders requested that accounting standards enhance standards on loan loss provisioning to incorporate forward-looking information. The Financial Accounting Standards Board concluded that the existing approach for determining the impairment of financial assets, based on a ?probable? threshold and an ?incurred? notion, delayed the recognition of credit losses on loans and resulted in loan loss allowances that were ?too little, too late.?

    The Board of Governors of the Federal Reserve System (FRB), the Federal Deposit Insurance Corporation (FDIC), the National Credit Union Administration (NCUA), and the Office of the Comptroller of the Currency (OCC) (hereafter, the agencies) issued a Joint Statement on June 17, 2016, called Current Expected Credit Losses (?CECL?), which summarizes key elements of the new accounting standard and providing initial supervisory views with respect to measurement methods, use of vendors, portfolio segmentation, data needs, qualitative adjustments, and allowance processes.

    CECL standards apply to all banks, savings associations, credit unions and financial institution holding companies, regardless of size that file regulatory reports for which the reporting requirements conform to U.S. GAAP. This program is designed to review the elements and thought process in establishing and maintaining an adequate ALLL level under the new regulatory guidance referred to as CECL.

    Covered Topics
    -Types of Financial Instruments carried at Amortized Cost affected by CECL and the Financial Instruments Not Affected
    -How CECL Addresses Major Concerns with the Current (?ALLL?) Methodology, which has Proven to be Ineffective in Recognizing Losses on a Timely Basis
    -Effective Dates of CECL Implementation based upon the Type and Size of the Financial Institution
    -How Should an Institution Apply the New Accounting Standard Upon Initial Adoption
    -Acceptable Methods for Estimating Allowance Levels Under CECL?
    -What Can Financial Institutions Do Now to Prepare for the Adoption of CECL
    -Reinforce Concepts with a CECL Case Study
    After completing this course, the participant will have an enhanced understanding of the importance of creating and maintaining an adequate Allowance that is legally defensible and insures the bank is operating in a safe and sound environment under the CECL Methodology

    Audience: CEO?s, Presidents & Board Members, Credit Administrators, Senior Credit Officers, Loan Review Officers, Compliance Officers, Senior Loan Officers, Commercial/Consumer Loan Officers, Loan Operation Officers, Loan Administrators

  • 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.

  • 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

  • Check Fraud

    Check fraud losses are estimated to exceed $18 billion each year. A recent nationwide counterfeit check operation is projected to have caused over $9 million in losses. With more and more counterfeit checks flooding financial institutions, this number is sure to increase.

    Unfortunately, most financial institutions don’t understand their legal rights and responsibilities for dealing with check fraud when losses occur. If you’re confused about what your financial institution’s legal responsibility might be in various check fraud situations, this seminar is for you.

    Highlights
    -Tips for spotting counterfeit, forged and altered checks
    -Procedures that can be used to reduce your bank’s exposure to check fraud losses
    -A plain English explanation of your bank’s legal responsibility for counterfeit, forged and altered checks under the Uniform Commercial Code, Regulation CC, and other federal regulations
    -Factors used to determine whether a check fraud victim has the legal right to expect reimbursement for a loss

    Audience: Tellers, Teller Supervisors, Member Service Representatives, New Accounts Personnel, Branch Managers, Security Officers, Fraud Investigators and Fraud Examiners

  • 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 Tellers to Excellence

    How successful do you expect your tellers to be? How successful do they want to be? How big is the gap between what you want and what they deliver?

    It’s a fact: Coaching your tellers decreases teamwork issues, teller drawer outages, compliance/audit infractions and customer dissatisfaction. This webinar teaches managers and supervisors how to improve their teller?s performance with on-purpose and spontaneous coaching. Looking for ways to encourage your tellers to cross-sell and knock it out of the park with sizzling customer service? Tune in and find out how to do just that. Do you wonder if some of your teller staff is just showing up instead of stepping up? Get busy putting effective coaching to work on your teller line.

    This program will help you see how you can put coaching techniques into your leadership skills and get positive and meaningful results.

    What You Will Learn
    -Collaborate with you about what it means to succeed in this position
    -Self-evaluate if how they act and how they learn is getting the job done
    -Increase their professional maturity
    -Act and dress appropriately
    -Make a positive and memorable impression on the customer
    -Appropriate cell phone usage during work
    -Follow proper procedures when handling cash and cashing checks
    -Stay on top of what is required to be in-line with all audit and compliance matters
    -Spot opportunities with customers to cross-sell the right way
    -Elevate skills around balancing
    -Seek and accept feedback

    Audience: If you manage, lead or train tellers don?t miss this!

  • 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 & Business Lending Basics for Support Personnel

    Lending is all about risk management. This seminar is designed to take the “mystery” out of the commercial lending process and the confusing terminology often used by lenders.

    Support personnel have a key role and stake in the commercial and business lending process, and they can help to create a safe and sound loan portfolio. Many would say that support personnel are the backbone of a good leading team. This program takes the perspective of a non-lender, and what goes on during the process of analyzing and approving a loan, focusing on commercial and business loans.

    Covered Topics
    -An overview of the key steps in the commercial and business lending process
    -The role of loan policy and typical content areas
    -The types of financial analyses conducted
    -Four keys to loan structuring, including the types of commercial loan facilities most frequently used, and various terminology
    Loans as defined by financing length or term (loans, lines of credit, etc.)
    Loans as defined by collateral (secured or unsecured)
    Loans as defined by third party support (guaranteed or non-recourse)
    -Overview of how bankers establish a risk rating for commercial and business loans
    -Importance of ongoing loan monitoring after the loan is closed
    -The “Five Cs of Credit”

    Audience: Community bankers in non-lending roles, lending assistants, loan processors, loan operations personnel, new credit analysts, loan review personnel, internal audit and bank compliance specialists

  • Commercial & Business Lending Basics for Support Personnel

    Lending is all about risk management. This seminar is designed to take the “mystery” out of the commercial lending process and the confusing terminology often used by lenders.

    Support personnel have a key role and stake in the commercial and business lending process, and they can help to create a safe and sound loan portfolio. Many would say that support personnel are the backbone of a good leading team. This program takes the perspective of a non-lender, and what goes on during the process of analyzing and approving a loan, focusing on commercial and business loans.

    Covered Topics
    -An overview of the key steps in the commercial and business lending process
    -The role of loan policy and typical content areas
    -The types of financial analyses conducted
    -Four keys to loan structuring, including the types of commercial loan facilities most frequently used, and various terminology
    Loans as defined by financing length or term (loans, lines of credit, etc.)
    Loans as defined by collateral (secured or unsecured)
    Loans as defined by third party support (guaranteed or non-recourse)
    -Overview of how bankers establish a risk rating for commercial and business loans
    -Importance of ongoing loan monitoring after the loan is closed
    -The “Five Cs of Credit”

    Audience: Community bankers in non-lending roles, lending assistants, loan processors, loan operations personnel, new credit analysts, loan review personnel, internal audit and bank compliance specialists.

  • 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 Construction Lending

    Construction loans for commercial real estate (CRE) remain a major part of commercial bank lending. Many community banks attempt to use versions of their residential formats and policies to administer commercial construction loans; however, this generally does not adequately control the situation due to several important differences between residential and commercial projects.

    This program provides an overview of the key steps involved in effectively administering commercial construction loans.

    Covered Topics
    -What is construction risk and how is it mitigated?
    -Differences between residential and commercial construction loans
    -What is High Volatility CRE (HVCRE)?
    -Issues with contractor qualifications, construction contracts and budgets
    -Seven items that determine how you handle a specific loan
    1. The overall degree of risk and key issues driving risk
    2. The type of project (full construction vs. renovation, etc.)
    3. The loan approval and related conditions or contingencies
    4. The term sheet or commitment letter written to the customer
    5. Your bank?s policies and procedures
    6. The construction loan agreement
    7. The events and issues that arise, including results of inspections
    -Other key documentation
    Title insurance
    Survey
    Bonding
    -Funding and draw controls
    Inspections
    Lien waivers and lien updates
    Disbursement methods
    Monitoring usage of budget contingency
    Line item transfers
    -Completion of the project and (if applicable) stabilization

    Audience: Commercial lenders, credit analysts and support staff that deal directly with commercial construction loans; mortgage bankers, private bankers, small business lenders, loan review specialists, special assets officers, lending managers and credit officers indirectly involved in the construction lending process

  • Commercial Construction Lending

    Construction loans for commercial real estate (CRE) remain a major part of commercial bank lending. Many community banks attempt to use versions of their residential formats and policies to administer commercial construction loans; however, this generally does not adequately control the situation due to several important differences between residential and commercial projects.

    This program provides an overview of the key steps involved in effectively administering commercial construction loans.

    Covered Topics
    -What is construction risk and how is it mitigated?
    -Differences between residential and commercial construction loans
    -What is High Volatility CRE (HVCRE)?
    -Issues with contractor qualifications, construction contracts and budgets
    -Seven items that determine how you handle a specific loan
    1. The overall degree of risk and key issues driving risk
    2. The type of project (full construction vs. renovation, etc.)
    3. The loan approval and related conditions or contingencies
    4. The term sheet or commitment letter written to the customer
    5. Your bank?s policies and procedures
    6. The construction loan agreement
    7. The events and issues that arise, including results of inspections
    -Other key documentation
    Title insurance
    Survey
    Bonding
    -Funding and draw controls
    Inspections
    Lien waivers and lien updates
    Disbursement methods
    Monitoring usage of budget contingency
    Line item transfers
    -Completion of the project and (if applicable) stabilization

    Audience: Commercial lenders, credit analysts and support staff that deal directly with commercial construction loans; mortgage bankers, private bankers, small business lenders, loan review specialists, special assets officers, lending managers and credit officers indirectly involved in the construction lending process

  • 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.

  • Common Pitfalls of ARM Disclosures

    WHAT?
    Since December 29, 1987 banks have been required to develop and deliver Adjustable Rate Mortgage (ARM) program disclosures for each different ARM program offered. The disclosures must be updated at least annually. Notices must be sent in response to rate changes. Many financial institutions have automated the ARM disclosure process, but violations still occur.

    While many financial institutions have offered ARM products for decades, others only recently migrated from balloon mortgages to ARM products. Whether new to the ARM game or an old veteran this review of common problems with ARM loans will help keep you in compliance.

    The Federal Reserve Board has indicated that rates may trend upward over the next several years. Many bankers have never managed an ARM portfolio or originated ARM loans in a rising rate environment. The program provides guidance on operating in such an environment.

    WHY?
    This two-hour program explains how to avoid problems when developing, maintaining and auditing ARM disclosures. The program explains the rules, reviews typical problems that occur, and provides steps to assure ongoing compliance.

    Participants receive a detailed manual that serves as a handbook long after the program is completed.

    Covered Topics
    Upon completion of this program participants understand common problems that plague ARM loans including:
    -Failure to identify a transaction as an ARM loan;
    -Failure to deliver disclosures:
    Within the required timeframes; and
    With the required content;
    -Failure to periodically updating the disclosures; and
    -Failure to provide proper and timely rate adjustment disclosures.

    Audience: The program is designed for all mortgage lenders, compliance officers, auditors and others with responsibilities for assuring compliance with applicable laws and regulations in the mortgage loan department.

  • 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.

  • Communicating with Executives

    It?s not often that we get the eyes and ears of executives. And when we do, the experience can be intimidating. Their drive, curiosity, and commitment?all impressive qualities that helped them win their titles?demand that we approach them with purpose and focus. Yet we often fail to consider what executives don?t have, besides the obvious time to burn: They certainly are not telepathic and surely not infallible. Herein lies our source or power to communicate like executives ourselves when the opportunity strikes. They want our well-grounded concepts to transform into actionable ideas that can move the business forward.

    Communicating with Executives offers a structured look at executive-level concerns, needs, and objectives to ensure you address them clearly and purposefully. You will get insights in what to give executives when interacting with them in any communication mode?and how to respond when they approach you. This webinar also includes key points to consider when adapting to different executive styles and identifying techniques best suited for effective conversations.

    What You Will Learn
    -Identify executive-level concerns and objectives to ensure focused communication
    -Recognize strategies for hitting the high points in executive communication
    -Adapt communication styles best suited for effective conversations

    Audience: This webinar is for beginning and seasoned business professionals who are developing or refreshing their communication skills tailored to executive audiences.

  • 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 101: Rules for Consumer and Mortgage Lenders

    This session will cover key lending consumer compliance regulations (highlights of the Equal Credit Opportunity Act, HMDA, Flood, RESPA, Truth in Lending, and Fair Credit Reporting). It will also include a Bank Secrecy Act overview outlining ?Five Reasons Lenders Should Have BSA Training?. We?ll review ?what?s old, what?s new, and what?s to come?.

    Covered Topics
    -BSA training for CIP in the lending area, due diligence for detecting potential money laundering activity and Suspicious Activity Report (SAR) basics*
    -Fair Lending ?best practices? and recent enforcement actions.
    -Reg B requirements for the life of the loan including tips for taking an application.
    -Overview of HMDA data collection, common problems and best practices; review of the ?NEW RULES? that became effective in 2018, including the partial exemptions that were announced August 31, 2018.
    -Overview of Flood requirements including the four trip wire events and changes for ?detached structures? on residential property.
    -?Integrated Disclosure? review for the coverage, timing, tolerances, and common disclosure problems.
    -Special concerns about credit report accuracy, permissible purpose, and handling disputed reporting under the Fair Credit Reporting Act.
    -Highlights of the most common errors in consumer real estate secured loans; tips to prevent violations.
    -BONUS TOOLS
    Matrix of 28 types of real estate secured loans (consumer & commercial) showing the requirements for applications, including overview information about TRID and HMDA requirements.
    ?Matrix of suggested training topics by job function for consumer, mortgage, commercial lenders and for loan operations staff.
    *(The new Beneficial Owner rules for ?legal entities? that become effective May 11, 2018 will not be covered since this session is targeted to consumer and mortgage lenders).

    Audience: This informative session is designed for compliance officers, auditors, loan officers, loan assistants, and loan administration staff. This seminar is designed for both those new to lending regulations or more experienced personnel looking for a review of existing requirements. While there is an emphasis on the regulations that relate to real-estate secured lending, this session will be helpful to any employee who assists applicants with various types of loan requests.

  • 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.

  • Compliance Management

    This is the description from our webinar that was presented in August 2018. Please check back for a modified description. Topics may be updated, but registration is now open.

    Join us for a two-hour webinar on Compliance Management. All banks should have an effective Compliance Management System.

    We will discuss the expectations/requirements, how to improve/enhance them and how to best utilize your resources to create an effective Compliance Management System.

    Covered Topics
    -Active board and senior management oversight;
    -Risk Assessments;
    -Effective policies and procedures;
    -Training;
    -Audits & Monitoring;
    -Complaint Management;
    -Reporting; and,
    -Culture (the foundation of an effective Compliance Management System).
    An Important Note from the Presenter, David Dickinson:
    ?I was an FDIC Field Examiner, a Loan Officer and then I started Banker?s Compliance Consulting in 1993 (25 years ago). During the course of my career, I?ve had the privilege of working with hundreds of financial institutions in many different ways and our company has had the opportunity to serve hundreds more. From these experiences, I?ve seen many different ways to ?do? compliance – some successful and some not.

    There is no ?recipe? for compliance management. One size does not fit all. However, there is a basic framework that should be used by your Board, Management and Compliance Officer to design and maintain a healthy Compliance Management System (CMS). But, what works for one institution may not work for you.

    During this training, we will discuss:
    -The Challenging Environment we face
    -Meeting the Challenge
    -The Role of the Board of Directors & Management
    -The Role of the Compliance Officer / Team
    -Risk Management and Risk Assessments
    -Policies, Procedures and Processes
    -Training
    -Internal and External Reviews
    -Complaint Management
    -Revisiting the Program
    -Culture / Organizational Health
    -Managing Regulatory examinations
    We?ll talk through the principles of the CMS and discuss how to adjust them to fit your culture, environment, personnel and systems. It?s a job that you?ll never finish and you can?t check it off your list. In fact, it?s a cycle that continuously repeats. It must be evaluated and adjusted as new rules and requirements are issued and as your personnel change. Establishing a healthy CMS is a process that takes time – LOTS of time.

    It is my desire that you?ll glean thoughts from this training and consider what will work for you. I also hope you?ll be more intentional about your CMS from the things you learn at this unique training.

    Audience: This webinar is designed for anyone involved in a bank?s compliance management system. This could include compliance officers, auditors, Management, Directors, etc.

  • Compliance Management System (CMS): What a Successful Program Looks Like

    Read virtually any enforcement order these days and you?ll see a common theme: a criticism of the institution?s Compliance Management System, or CMS. The thought process goes like this: if the institution had a better way to identify, manage, and remediate its risks, regulatory intervention and/or penalties may not be necessary, or to such a drastic degree. You could call this the credibility argument; the institution is just not credible when it comes to its compliance capabilities.

    This is not just a subjective exercise. There are very clear expectations around what institutions must have to meet regulatory expectations. Virtually all the federal regulators have issued guidance on what should be present in an effective CMS. This webinar will explore this topic and those expectations, along with providing guidance as to maintaining your institution?s CMS in order to be credible and minimize compliance risk wherever possible.

    Covered Topics:
    -What elements are necessary in a well-designed and managed CMS?
    -Regulatory guidance from various agencies
    -Operating in a 3 Lines of Defense environment
    -What are the roles of the business(es) and audit?
    -Separation of duties
    -What is management?s role in an effective CMS?
    -What will regulators be looking for?

    Audience: This program is designed for Compliance Officers along with their staffs; Internal Audit managers and their staffs; and members of bank management which oversee the Compliance function.

  • Compliance Rules for Commercial Loans Secured by Real Estate

    This is the description from our webinar that was presented in February 2018. Please check back for a modified description. Topics may be updated, but registration is now open.

    Which regulations apply to commercial loans that are secured by real estate? Are there any exceptions when the real estate is taken as “an abundance of caution”? Do the commercial lenders and support staff at your bank understand the data collection required for HMDA reportable applications? Is a written application required for a business purpose loan? Join this fast-paced webinar to understand the application process with step by step instructions and actual examples that explain the requirements of applicable regulations in terms that are easy to understand. New HMDA rules became effective on January 1, 2018. If your financial institution is required to report under the new rules, are you in compliance for covered business purpose applications?

    Covered Topics
    -What factors determine if the application is for business purpose or consumer purpose?
    -What are the compliance requirements when real estate is taken as collateral?
    -Review of the required disclosure for the “Right to Receive a Copy of Appraisal.” Who gets the notice and what are the timing rules? This DOES apply to 1st lien loans of 1-4 units, regardless of purpose; there is no “business-purpose” exception.
    -What are some common compliance violations in the commercial loan area when real estate has been taken as collateral?
    -Review of the HMDA requirements and review of the changes to business purpose loans for the extensive HMDA rules that became effective January 1, 2018.
    -Coverage issues ? Which COMMERCIAL applications are covered loans that require data to be collected at the time of application? What types of dwellings are included? Best practices for documenting that applications for agricultural purpose are EXEMPT for HMDA reporting in 2018. However, other compliance requirements still apply for real estate secured agricultural loans!
    -What data will be reported? What data will be excluded for business applications? Business purpose loans have many fields that are ?not applicable?.
    -Suggestions for potential problems with collecting, reporting, and validating the data fields for ?applicant? and applications in these required fields and understanding when they may NOT be reported:
    Age for applicants who are ?natural persons?, for example a sole proprietor
    Income ? when is reporting required?
    Reasons for denial ? potential problem area for commercial applications
    Application date
    Ethnicity, race and sex
    Disaggregation of ethnicity and race
    -Flood insurance violations can be costly. What are some of the unique challenges with commercial buildings and collateral?
    -There are four “trip wire” events for flood insurance. Learn about the revised rules for “detached structures on residential property”, this can include business purpose loans.
    -BONUS TOOLS
    -Matrix of 28 loan types; required disclosures for both consumer and commercial loans with explanations about real estate secured loans.
    -Checklists that outline which compliance regulations apply to commercial credit and the exemptions for certain rules.
    -HMDA flowchart and tips for 2018 reporting activity
    -Flood insurance resources

    Audience: This informative session is designed for Commercial Lenders, loan assistants and processors, loan operations staff, compliance officers, and auditors.

  • 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

  • Construction Loan Documentation and Disbursement Under Florida Law

    **E-book included in tuition fee**
     
    This webinar is a two hour intensive course exploring construction loan documentation and disbursement.  Loan officers, credit officers, lending associates, document preparation specialists, loan booking specialists and other bankers involved in the lending process will benefit from this webinar which explains the documents unique to construction lending, their purpose and effect, and various aspects of Florida law that impact the disbursement process. The course will benefit those involved in both commercial and residential construction loan transactions.

    Seminar include:

    – Discussion of loan documents unique to construction lending and why they are needed
    – Notices of commencement
    – Notices to Owner
    – Lien waivers
    – Lien releases
    – Construction liens
    – Loan disbursements and the lender’s potential liability under Florida’s construction lien law
    And much more!
     
    This webinar is taught by Douglas L. Waldorf, JD, MBA, a Florida Bar Board Certified Real Estate Attorney with over 30 years of experience in representing banks and other lenders in loan structuring and documentation as well as in special assets matters.  Mr. Waldorf served for 12 years as in house counsel for SunTrust Bank in Southwest Florida and is presently a shareholder with Dentons Cohen & Grigsby, P.C. He has been recognized in The Best Lawyers in America ©, 2020 Edition in both Banking and Finance Law and Real Estate Law, and has been named in Best Lawyers as the 2020 Banking and Finance “Lawyer of the Year” in Southwest Florida. Mr. Waldorf is the author of Mortgage Foreclosure and Loan Collection, A Practical Guide for Lenders (2013, available on Amazon.com).
    Copyright © 2020, Douglas L. Waldorf, JD, MBA

    Audience: Loan processors, Loan administrators and those involved with Construction Loan servicing.

  • 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

  • Consumer Real Estate Loans

    Step-by-Step Guidance

    Overwhelmed by the 2014 CFPB changes and the subsequent TRID requirements, many lenders grew to dread consumer real estate loans. Some lenders stopped offering these loans altogether. In this webinar, Anne will guide terrified lenders and processors through a simple real estate loan and explain the current compliance rules. This webinar will help you tame those scary real estate loan problems and will be particularly helpful to bankers wanting to offer consumer real estate loans for the first time in several years. The booklet is clear and easy to use…consider it a companion to the popular Best-Ever Consumer Checklists.

    Covered Topics
    -Truth in Lending
    Ability to repay and qualified mortgages
    Right of rescission
    High-cost mortgages
    HPMLs
    ARMs
    -TRID requirements
    RESPA
    HMDA (including the 2018 applicability rules)
    -Reg B
    Copies of appraisals
    Intent to apply for joint credit
    Monitoring requirements
    -Flood insurance
    -Appraisals and evaluations
    -FACTA credit score disclosures
    -Insurance disclosures
    -Military Lending Act

    Audience: Lenders, loan processors, compliance officers and loan review personnel

  • Contact Center Representative Training

    In our very competitive industry, people are looking for ease when it comes to service. This has caused Call Centers to blossom. And while there are excellent technological advances in this area, few companies address the unique needs a call center representative has for being trained.

    This webinar will focus on the customer service aspects of Call Centers, rather than software or technology.

    Covered Topics
    -The call cycle
    -Why have call centers?
    -Using open/closed questions to control a call
    -Showing value
    -Confirming satisfaction
    -Handling problem calls

    Audience: Call center representatives, managers, and employees who deal with the public on the phone

  • Controlling the Risks of Power of Attorney Documents

    Financial institutions are required to complete transactions for customers involving Power of Attorney documents. To protect your financial institution’s interests when using these documents, it is imperative to understand the basic do’s and don’ts. This presentation will provide financial institution personnel with best practices to use when dealing with these complex legal documents.

    Covered Topics
    -What are the relationships among the customer, the attorney-in-fact and the financial institution?
    -What is the difference between a durable and non-durable power of attorney?
    -How does a financial institution determine if a power of attorney is general or limited?
    -What steps must a financial institution take to protect itself when relying on a Power of Attorney?
    -What language should the financial institution look for in the Power of Attorney document when completing a transaction for the attorney-in-fact?
    -How is a Power of Attorney revoked and when is that revocation binding on the financial institution?
    -What transactions create the greatest risks for financial institutions relying on power of attorney documents?
    -What attorney-in-fact representations may a financial institution typically rely upon?
    -How should a financial institution handle out-of-state powers of attorney?

    Audience: Financial institution employees involved with opening new accounts, deposit or loan documentation and operations will find this seminar very useful.

  • Core Management Skills

    All too often, managers are thrust into their roles without enough formal training or advice on how to work smartly in their new positions. Get an excellent overview of key skills all good managers need to function at their best.

    Covered Topics
    -Pulling the Trigger – Making Decisions / Solving Problems
    -Smart Delegation
    -Planning Your Work and Working Your Plan
    -Effective Communication
    -Meetings that Actually Work
    -Dealing with Tough Personalities
    -Fast Tips for the Busy Manager

    Audience: Managers of all levels, especially those who lead teams.

  • 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.

  • CRA Nuts & Bolts - Five Steps to Pass the Exam

    This webinar will focus on several simple steps to ensure a successful CRA exam outcome. Writing a dynamic CRA context report can show examiners not only that your financial institution understands the community credit needs, but that you are effectively meeting the needs in the assessment areas you serve. We will review the steps required to establish your case and demonstrate why your CRA program qualifies for a “Satisfactory” or possibly “Outstanding” rating.

    The definition of ?community development changed in September, 2005 to including, among other things, activities that revitalize or stabilize designated disaster areas. A financial institution’s activity will be considered to revitalize or stabilize a designated disaster area if it helps to attract new, or retain existing, businesses or residents and is related to disaster recovery and examiners will consider revitalization or stabilization activities that take place within 36 months after the date of the disaster designation. Could your financial institution be eligible to receive special consideration for lending in a designated disaster area?

    What?s the status of the OCC?s proposal to reform CRA?

    Covered Topics
    -Five steps for managing a CRA exam and the importance of developing a CRA strategy.
    -Tips for banks that are ISB (intermediate small banks of $321 million in the prior two calendar years and the transition to CRA reporting when the large bank threshold of $1.284 billion is reached. The new limits were announced on December 28, 2018.
    -Learn how to document lending activity indesignated disaster areas.
    -What’s included in a performance context? Learn how to describe your institution, quantify the ability and capacity of the bank to meet credit needs based on financial data. Learn how to highlight the positive outcomes of your lending focus and business strategy.
    -Tips to describe your assessment area including demographic and economic data resources.
    -Best practices to deal with CRA-relatedcomplaints and potential fair lending issues that can threaten a successful exam.
    -Definitions of Community Development Loans and Services
    -Ideas for passing the Investment Test portion of the exam
    -Overview of a proposal to reform CRA rules. The OCC issued an advance notice of proposed rulemaking September 5, 2018. Proposed rules are not expected until late 2019 or early 2020.
    -Helpful CRA compliance resources and regulatory guidance

    Audience: Compliance Officers, CRA Officers, Business Line Managers, Commerical Loan Managers, Fair Lending Officers, Marketing Directors, and Senior Management will find this session very beneficial

  • CRA Nuts and Bolts - Five Steps to Pass the Exam

    This webinar will focus on several simple steps to ensure a successful CRA exam outcome. Writing a dynamic CRA context report can show examiners not only that your financial institution understands the community credit needs, but that you are effectively meeting the needs in the assessment areas you serve. We will review the steps required to establish your case and demonstrate why your CRA program qualifies for a “Satisfactory” or possibly “Outstanding” rating.

    The definition of ?community development changed in September, 2005 to including, among other things, activities that revitalize or stabilize designated disaster areas. A financial institution’s activity will be considered to revitalize or stabilize a designated disaster area if it helps to attract new, or retain existing, businesses or residents and is related to disaster recovery and examiners will consider revitalization or stabilization activities that take place within 36 months after the date of the disaster designation. Could your financial institution be eligible to receive special consideration for lending in a designated disaster area?

    Covered Topics
    -Five steps for managing a CRA exam and the importance of developing a CRA strategy.
    -Tips for banks that are ISB (intermediate small banks of $313 million in the prior two calendar years and the transition to CRA reporting when the large bank threshold of $1.252 billion is reached. The new limits were announced on December 27, 2017.
    -Learn how to document lending activity in designated disaster areas.
    -What’s included in a performance context? Learn how to describe your institution, quantify the ability and capacity of the bank to meet credit needs based on financial data. Learn how to highlight the positive outcomes of your lending focus and business strategy.
    -Tips to describe your assessment area including demographic and economic data resources.
    -Best practices to deal with CRA-related complaints and potential fair lending issues that can threaten a successful exam.
    -Definitions of Community Development Loans and Services
    -Ideas for passing the Investment Test portion of the exam
    -Helpful CRA compliance resources and regulatory guidance
    -New definitions for ?home mortgage loan? and ?consumer loan? as well as public file requirements became effective January 1, 2018. The joint rule from the Federal Reserve, FDIC and OCC amends respective CRA regulations to conform to 2018 changes to the Home Mortgage Disclosure Act.

    Audience: Compliance Officers, CRA Officers, Business Line Managers, Commerical Loan Managers, Fair Lending Officers, Marketing Directors, and Senior Management will find this session very beneficial

  • 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.

  • CRE Appraisals: Appraisal Components, Approaches to Value and Cap Rates

    Fundamental principles and features and CRE appraisals are covered.

    Highlights
    -Types of appraisals by format
    -What to look for within the assumptions and limiting conditions
    -Property ownership interests clarified (fee simple, leased fee, etc.)
    -Highest and best use of the property
    -Approaches to value
    Cost approach and information useful in the underwriting and loan structuring process
    Income approach options of discounted cash flow (DCF) and direct capitalization, with the steps to building net operating income (NOI) and the cap rate used in direct capitalization
    Comparables and the key issue to consider when selecting and evaluating comps
    Reconciliation of value

    Audience: CRE lenders, commercial lenders, credit analysts, portfolio managers, community bankers, mortgage lenders, private bankers, small business lenders, loan review specialists, special assets officers, lending managers, credit officers and CRE support personnel.

  • CRE Appraisals: Appraisal Components, etc.

    Fundamental principles and features and CRE appraisals are covered.

    Highlights
    -Types of appraisals by format
    -What to look for within the assumptions and limiting conditions
    -Property ownership interests clarified (fee simple, leased fee, etc.)
    -Highest and best use of the property
    -Approaches to value
    Cost approach and information useful in the underwriting and loan structuring process
    Income approach options of discounted cash flow (DCF) and direct capitalization, with the steps to building net operating income (NOI) and the cap rate used in direct capitalization
    Comparables and the key issue to consider when selecting and evaluating comps
    Reconciliation of value

    Audience: CRE lenders, commercial lenders, credit analysts, portfolio managers, community bankers, mortgage lenders, private bankers, small business lenders, loan review specialists, special assets officers, lending managers, credit officers and CRE support personnel.

  • CRE Appraisals: Regulations & the Review Process

    This session will cover the key issues from the December 2010 Interagency Appraisal and Evaluation Guidelines, the October 2018 Frequently Asked Questions on the Appraisal Regulations and the Interagency Appraisal and Evaluation Guidelines, tips for integrating them into your existing policies, and how CRE appraisals differ from residential reports.

    Highlights
    -Overview of guidelines and issues critical to CRE appraisals
    The five minimum standards and what they really mean, as derived from the original 14 points in the Financial Institutions Reform and Recovery Act of 1989 (FIRREA) Title XI that govern how banks order and use appraisals
    What is FIRREA? (and other regulatory guidelines still in place)
    Yes, you can use appraisals prepared for other banks
    -Types of reviews, as suggested by the guidelines
    Administrative/compliance review plus a sample checklist
    Technical/internal review plus a sample checklist
    Outside/third party review plus sample comments
    Ideas for setting dollar limits
    Why your bank should create an appraisal/CRE properties database
    -What about evaluations?
    Not just for loans below the dollar thresholds
    New (as of 2010) evaluator independence guideline
    -Appraisal review outcomes and when to request revisions

    Audience: CRE lenders, commercial lenders, credit analysts, portfolio managers, community bankers, mortgage lenders, private bankers, small business lenders, loan review specialists, special assets officers, lending managers, credit officers and CRE support personnel.

  • CRE Appraisals: Regulations & the Review Process

    This session will cover the key issues from the December 2010 Interagency Appraisal and Evaluation Guidelines, the October 2018 Frequently Asked Questions on the Appraisal Regulations and the Interagency Appraisal and Evaluation Guidelines, tips for integrating them into your existing policies, and how CRE appraisals differ from residential reports.

    Highlights
    -Overview of guidelines and issues critical to CRE appraisals
    The five minimum standards and what they really mean, as derived from the original 14 points in the Financial Institutions Reform and Recovery Act of 1989 (FIRREA) Title XI that govern how banks order and use appraisals
    What is FIRREA? (and other regulatory guidelines still in place)
    Yes, you can use appraisals prepared for other banks
    -Types of reviews, as suggested by the guidelines
    Administrative/compliance review plus a sample checklist
    Technical/internal review plus a sample checklist
    Outside/third party review plus sample comments
    Ideas for setting dollar limits
    Why your bank should create an appraisal/CRE properties database
    -What about evaluations?
    Not just for loans below the dollar thresholds
    New (as of 2010) evaluator independence guideline
    -Appraisal review outcomes and when to request revisions

    Audience: CRE lenders, commercial lenders, credit analysts, portfolio managers, community bankers, mortgage lenders, private bankers, small business lenders, loan review specialists, special assets officers, lending managers, credit officers and CRE support personnel.

  • CRE Lending: Cash Flow Analysis & Cap Rates

    Banks continue to deal with commercial real estate (CRE) loans as a major portion of their loan portfolios. Also, many borrowers still have large holdings of income-producing or rental real estate. Whether directly financing these assets or including the income stream(s) in your overall credit analysis, it is important to understand key analytical concepts utilized in evaluating CRE cash flow.

    This program covers the key variables and concepts for determining CRE cash flow and transaction-level stress-testing. We’ll learn that CRE cash flow involves more than earnings before interest, taxes, depreciation and amortization (EBITDA) for a debt service coverage (DSC), and that we should be using the updated cash flow to help update the underlying collateral value as part of ongoing loan monitoring. Making the connection between updated cash flow and an updated value estimate involves a capitalization (cap) rate.

    Covered Topics
    -Cash flow or net operating income (NOI) concepts
    -Understanding key variables: vacancy, management fees and replacement reserves
    -The missing link: Using NOI along with a cap rate to estimate current property value
    -Moving from NOI to cash flow available for debt service (CFADS) and DSC
    -Stress-testing of debt service coverage (DSC) and loan-to-value (LTV) at transaction level
    -How to use a sample worksheet to explore the major issues, including stress-testing, demonstrated with a case example

    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.

  • CRE Lending: Cash Flow Analysis & Cap Rates

    Banks continue to deal with commercial real estate (CRE) loans as a major portion of their loan portfolios. Also, many borrowers still have large holdings of income-producing or rental real estate. Whether directly financing these assets or including the income stream(s) in your overall credit analysis, it is important to understand key analytical concepts utilized in evaluating CRE cash flow.

    This program covers the key variables and concepts for determining CRE cash flow and transaction-level stress-testing. We’ll learn that CRE cash flow involves more than earnings before interest, taxes, depreciation and amortization (EBITDA) for a debt service coverage (DSC), and that we should be using the updated cash flow to help update the underlying collateral value as part of ongoing loan monitoring. Making the connection between updated cash flow and an updated value estimate involves a capitalization (cap) rate.

    Covered Topics
    -Cash flow or net operating income (NOI) concepts
    -Understanding key variables: vacancy, management fees and replacement reserves
    -The missing link: Using NOI along with a cap rate to estimate current property value
    -Moving from NOI to cash flow available for debt service (CFADS) and DSC
    -Stress-testing of debt service coverage (DSC) and loan-to-value (LTV) at transaction level
    -How to use a sample worksheet to explore the major issues, including stress-testing, demonstrated with a case example

    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.

  • CRE Lending: Property Types, etc.

    Commercial and industrial (C&I) lenders know that non-financial factors such as the borrower?s industry, its competitive market, and its management team play a key role in the ongoing success of the business, as well as timely loan repayment. Commercial real estate (CRE) loans have similar non-financial factors or issues, including the type of property (similar to C&I industry risk), ability to successfully re-lease the property over the loan term (competitive market), and proper management and maintenance of the physical facility.

    As banks continue to deal directly with CRE loans as a major portion of their loan portfolios, plus indirectly through income-producing or rental real estate holdings that affect customers, it is important to ?get beyond the numbers? and assess the qualitative or non-financial factors that influence CRE performance over time.

    Covered Topics:
    -Differentiating among property types ? key terminology and operating factors for multi-family, retail, office and industrial/warehouse
    -Additional issues with owner-occupied and ?specialty? properties, such as hotels and nursing homes
    -?Triple net? versus full service leases
    -Overview of other common provisions in commercial leases, including
    Reimbursement for common area maintenance (CAM)
    ?Go dark? clauses
    Cotenancy clauses
    Requirements placed on the tenant
    Requirements placed on the landlord
    Estoppels
    Subordination, non-disturbance and attornment provisions
    -Unusual or extraordinary lease provisions, such as building naming rights
    -Re-lease and rollover risk
    -Physical style risk and ongoing property management risk
    -The concept of sponsorship

    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.

  • Creating Effective Anti-Harassment Policies and Process

    This is the description from our webinar that was presented in March 2018. Please check back for a modified description. Topics may be updated, but registration is now open.

    There has been an explosion of sexual harassment allegations in both the press and in complaints to employers. Harassment is certainly not new. Yet, now there is a new environment, new support and motivation to come forth. New laws and regulations are coming, all aimed toward reducing incidents of workplace harassment and bullying, encouraging employees to come forward, and protecting both alleged victims and witnesses from possible ?retaliation? by employers. Employers who do not have up-to-date anti-harassment and bullying policies and effective procedures which implement those policies are at risk, both from the Courts and in the ?Court of Public Opinion.?

    Good policies prevent problems. Poorly designed policies can be worse than none, and may themselves result in discrimination cases and other liability.

    Bob?s presentation covers the necessary ingredients of an effective harassment policy. A policy must go beyond paper. This program gives practical advice on implementing the policy. Perhaps more important, there are illustrations of what to include and what not to include in your harassment policy and procedures.

    Covered Topics
    -Broadening the scope of your anti-harassment and bullying policies to include other related forms of abusive behavior
    -Supreme Court Standards for Duty of Care for employees, and how it can protect your organization from liability
    -What to include in your policies
    -What not to include in your policies
    -Proper procedures
    -When to investigate an allegation of sexual harassment and when not to investigate
    -Equal protection for all parties
    -Setting up a procedure for reporting and investigating allegations of harassment
    -Protecting from retaliation

    Audience: HR staff, Executives, Branch managers, and Legal Counsel.

  • Creating the Right ERM Program for YOUR Community Bank

    Are you creating your first ERM Program for your bank? Do you want to ensure your current program is complete yet keep it simple? If yes to either question, this webinar is for you! Risk Management is at the heart of banking and every bank has to have processes, policies, and procedures in place in order to assess and manage the risks on their balance sheet. Marci shares the fundamental pieces of the ERM puzzle, how they relate to each other, and how to integrate your ERM program into the bank?s Strategic Plan. Having built an ERM program for a community bank from scratch, Marci describes the various components of a strong ERM program. In this educational session, you will learn how to put your program together using all the parts you already have in your bank. Marci shares how you can make the process fun and how your team will become closer as they work together with the common goal of protecting the bank?s assets while fulfilling your bank?s vision.

    Covered Topics
    -ERM general background and key definitions
    -How implementing an ERM Program can help Financial Institutions survive and thrive
    -Identifying the specific building blocks/components of a simple yet complete ERM Program
    -The three key ongoing Phases of ERM:
    Identifying and Assessing Risk
    Mitigating and Eliminating Risk
    Monitoring and Reporting Risk
    -Creating an ERM Committee Charter and choosing the right ERM Committee members
    -Integrating the ERM Program into your Strategic Plan
    -Top Risk Categories and Definitions ? including Model Risk Management
    ERM Risk Assessment Matrix ? Definitions and example
    -Creating the Risk Management Appetite and Tolerance Statement ? Description of Process
    -Implementing your ERM Program and benefits
    -ERM Program Flowchart

    Audience: Chief Risk Officers, Risk Managers/Leaders, Chief Credit Officers, Chief Financial Officers, Compliance Officers, Internal Auditors, Board Directors who want to learn more about ERM, Bank Presidents involved in the risk management process and their ERM program.

  • 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.

  • CTRs: Line by Line

    The webinar will go line by line through the CTR. You will learn how to avoid pitfalls and common errors. These errors can cost you time and penalties in corrections. You will receive a large handbook of common scenarios at your financial institution plus you will be trained on the latest instructions and interpretations.

    Covered Topics
    -What is a FinCEN directed back filing?
    -How to make sure everyone?s role is correctly represented
    -How to make sure all the components are complete including RSSD numbers
    -Don?t treat owners on corporations as if this is their own account
    -How to make sure your box on line 24 is checked if there is no person listed on the transaction
    -When to check the appropriate area on the money page such as negotiable instrument cashed
    -How to complete when an Armored Car Service is involved
    -To make sure the form is complete for IOLTA accounts
    -Don?t forget the rules on joint accounts when the money goes in and out
    -How to make sure sole proprietors are reported on the same page as the business
    -How to fill out the CTR for Sole Proprietors, LLCs, Joint Accounts and lots more examples of the CTR
    -Getting Occupation right

    Audience: This webinar will benefit tellers, teller managers, branch operations, deposit services, training, new accounts CTR Coordinators and BSA Officer.

  • 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

  • Customer Service vs. Customer Experience

    Who determines the value of the service being delivered at your institution? Good customer service is vital to the success of any institution. Research says that it takes 10 times the effort to keep a customer loyal to an institution today in comparison to the effort it takes to get them to choose to do business with the institution in the first place. Employees may execute the transactions accurately and be polite and courteous when interacting with the customer, but does the customer experience the interaction as satisfactory, but lacking something? The question becomes: Is what I?m doing being experienced by the customer in such a way as to make them feel this was the best service they?ve received?

    Do we go the extra step to meet the customer?s needs? Do we put ourselves in their shoes to determine what actions we should take to ensure the experience is extraordinary? Financial institutions looking for ways to increase the relationship with the customer know that the success of the relationship is in the hands of the people who wait on and assist customers every day.

    While certainly an important skill, it takes more than processing transactions accurately and being courteous to grow the relationship with the customer. Customers like to do business with someone who will go above and beyond to help them through an uncommon or complicated situation. Employees who practice customer advocacy earn customer loyalty.

    How do you deliver value while creating amazing experiences for your customers? Wow them with a genuine interest and care, wow them with an experience. Customers who feel a connection to the people who wait on them feel valued and well-cared for and will not only increase their relationship with the institution but will also recommend you to their friends.

    What You Will Learn
    -Advocate for the Customer
    -Being Authentic
    -The ingredients for a WOW
    -Three benchmarks of an experience
    -Customer Expectations that Produce High Satisfaction
    -What Messages are you Sending?
    -Listen for Meaning
    -Saying the right things the right way

    Audience: Aimed at all frontline staff, teller supervisors, tellers, call center, customer service reps and branch managers, this program will allow participants to excel at creating a customer experience.

  • 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.

  • Dealing with Appraisals: Regulations and Requirements

    The past few years have seen significant developments in real estate appraisals and evaluation rules and regulations. Revised Interagency Guidelines and new rules under Reg Z have been issued, and we’ve seen additional requirements finalized recently due to Dodd-Frank. Just in the last six months we?ve seen significant proposed and final regulations changing some thresholds and proposing some additional exceptions from the requirement. In some cases (called “flipping transactions”), lenders will even have to obtain two appraisals on the same property for one loan.

    Because breakdowns in appraisal practices have been partly blamed for the mortgage crisis, regulators raised their expectations; lenders’ appraisal and evaluation programs must include more elements than ever before. Some themes now emphasized by the agencies are independence of the appraiser, and evaluator, reviews, and qualifications.

    There are also restrictions against using AVMs (automated valuation models), BPOs (broker price opinions), and tax valuations that have upset many in the industry.

    Do you know the requirements? We’ll provide in-depth details of the appraisal and valuation process, from both the lender and appraiser side of the game, to provide a thorough understanding of what is required and what you need.

    Covered Topics
    -New rules and proposals around exemptions, threshold amounts, and appraisals in rural areas
    -CFPB mortgage regulations under Reg Z – additional requirements for certain loan types
    -Regulations and Interagency Guidelines – requirements for lenders and brokers
    -Clarified independence requirements and their importance to examiners
    -The many forms of appraisals and evaluations – what can you use and when? AVMs and BPOs aren’t what they used to be
    -Can you accept a previous appraisal? Dealing with “readdressed” and “transferred” appraisals
    -USPAP rules and standards – how do appraiser rules influence what lenders must do?
    -How to achieve appraiser independence – you’ve got to prove it
    -Anti-coercion and undue influence provisions of Reg Z – what can you NOT do (or say)?

    Audience: Real estate lenders, compliance officers, auditors, underwriters, appraisers (in-house or external), closing agents, management, and anyone else involved in the real estate or residential lending process with a need to understand the current state of appraisal regulation and requirements.

  • Dealing with Appraisals: Regulations and Requirements

    This is the description from our webinar that was presented in February 2019. Please check back for a modified description. Topics may be updated, but registration is now open.

    The past few years have seen significant developments in real estate appraisals and evaluation rules and regulations. Revised Interagency Guidelines and new rules under Reg Z have been issued, and we’ve seen additional requirements finalized recently due to Dodd-Frank. Just in the last six months we?ve seen significant proposed and final regulations changing some thresholds and proposing some additional exceptions from the requirement. In some cases (called “flipping transactions”), lenders will even have to obtain two appraisals on the same property for one loan.

    Because breakdowns in appraisal practices have been partly blamed for the mortgage crisis, regulators raised their expectations; lenders’ appraisal and evaluation programs must include more elements than ever before. Some themes now emphasized by the agencies are independence of the appraiser, and evaluator, reviews, and qualifications.

    There are also restrictions against using AVMs (automated valuation models), BPOs (broker price opinions), and tax valuations that have upset many in the industry.

    Do you know the requirements? We’ll provide in-depth details of the appraisal and valuation process, from both the lender and appraiser side of the game, to provide a thorough understanding of what is required and what you need.

    Covered Topics
    -New rules and proposals around exemptions, threshold amounts, and appraisals in rural areas
    -CFPB mortgage regulations under Reg Z – additional requirements for certain loan types
    -Regulations and Interagency Guidelines – requirements for lenders and brokers
    -Clarified independence requirements and their importance to examiners
    -The many forms of appraisals and evaluations – what can you use and when? AVMs and BPOs aren’t what they used to be
    -Can you accept a previous appraisal? Dealing with “readdressed” and “transferred” appraisals
    -USPAP rules and standards – how do appraiser rules influence what lenders must do?
    -How to achieve appraiser independence – you’ve got to prove it
    -Anti-coercion and undue influence provisions of Reg Z – what can you NOT do (or say)?

    Audience: Real estate lenders, compliance officers, auditors, underwriters, appraisers (in-house or external), closing agents, management, and anyone else involved in the real estate or residential lending process with a need to understand the current state of appraisal regulation and requirements.

  • Dealing with Casual Days, Dress Codes and Work Appearance

    What is “appropriate” work appearance? Do you have the right to tell employees what to wear? How much can an employer dictate styles of dress, hair, perfume or jewelry? When do company appearance rules become discriminatory or violate employees’ legal rights? This program will cover the practical and legal issues and the current trends in workplace appearance, and what you should and shouldn’t do about it.

    Covered Topics
    -What are your rights to regulate appearance?
    -What is the legal foundation on dress codes, health, safety and an employee’s right to determine what is “appropriate” appearance?
    -The legal problems concerning discrimination (gender, race and national origin), religion and privacy rights concerning appearance.
    -“How to” properly address appearance issues from body odor, clothing, hairstyle and even piercings.
    -What is “good appearance”?
    -Creating dress code policies.
    This serious subject is presented with humor and down-to-earth examples and advice by an attorney who has helped companies throughout the United States effectively address issues of an ever-changing workplace.

    Audience: This program is critical for anyone with responsibility for supervising employees.

  • Dealing with Dysfunctional Teams

    The one thing that changes everything in the workplace is trust. Nothing is as fast as the speed of trust whether we are talking about building it or destroying it. Dysfunctional teams can poison the culture of your company. This webinar zeroes in on the principle of behavior and team dynamics.

    Do you have a team where everyone is steamrolling each other?s opinion? Does the group meet infrequently and lack directions? Do some team members feel like outsiders? Is the team led in a way that encourages superiority but lacks integrity?

    Join one of the industry?s top trainers and learn how to excel at building teams that take your company where it wants to go. Teams that your staff are proud to be a part of and that retain top talent.

    Covered Topics
    -Keeps up the talk, seldom walks the walk
    -Demands respect
    -Secret agenda
    -Can?t own being wrong
    -Expects loyalty without earning it
    -Accountability doesn?t apply to them
    -Vague expectations
    -No need for learning
    -Distrust is the norm
    -Focus on others? track record

    Audience: Leaders, supervisors, managers and team members that are searching for strategies that help teams excel at building trust, accountability, and delivering results.

  • Dealing with Subpoenas, Summonses, Garnishments, etc

    On a daily basis, a financial institution is faced with having to comply with a multitude of legal documents that are served on it. These documents can order your financial institution to produce confidential customer information, hold depositor funds, and can even order it to seize property in its possession belonging to the customer.

    If you find these documents confusing and intimidating, attend this multi-state seminar to learn the best practices of how to deal effectively with these documents and the parties who serve them upon you.

    Learn About
    -Legal differences among subpoenas, summonses, levies, garnishments, writs of attachments and warrants.
    -What your financial institution should know about the Right to Financial Privacy Act, the Financial Privacy Act, and similar laws and regulations.
    -Verifying customer information when complying with subpoenas, garnishments and levies.
    -Helpful resources to assist your financial institution when complying with these orders.
    -Whether IRS tax levies will attach to special accounts, like individual retirement accounts, health savings accounts and escrow accounts.
    -An overview of procedures for answering garnishments of federal benefit payments.

    Audience: This session is a cost-effective way to learn the ins and outs of complying with the subpoenas, summonses, levies and garnishments that are served on your financial institution.

  • Dealing with Subpoenas, Summonses, Garnishments, Tax Levies, Etc.

    On a daily basis, a financial institution is faced with having to comply with a multitude of legal documents that are served on it. These documents can order your financial institution to produce confidential customer information, hold depositor funds, and can even order it to seize property in its possession belonging to the customer.

    If you find these documents confusing and intimidating, attend this multi-state seminar to learn the best practices of how to deal effectively with these documents and the parties who serve them upon you.

    Learn About
    -Legal differences among subpoenas, summonses, levies, garnishments, writs of attachments and warrants.
    -What your financial institution should know about the Right to Financial Privacy Act, the Financial Privacy Act, and similar laws and regulations.
    -Verifying customer information when complying with subpoenas, garnishments and levies.
    -Helpful resources to assist your financial institution when complying with these orders.
    -Whether IRS tax levies will attach to special accounts, like individual retirement accounts, health savings accounts and escrow accounts.
    -An overview of procedures for answering garnishments of federal benefit payments.

    Audience: This session is a cost-effective way to learn the ins and outs of complying with the subpoenas, summonses, levies and garnishments that are served on your financial institution.

  • Denials

    Join David Dickinson of Banker?s Compliance Consulting for a two-hour Adverse Action Notices webinar. We will address the Adverse Action Notice compliance requirements and best practices under the Equal Credit Opportunity Act (ECOA) and Fair Credit Reporting Act (FCRA) including:

    Covered Topics:
    -Consumer & Non-Consumer Notifications
    -Notices of Incompleteness
    -Counteroffers and Withdrawals
    -Indirect Lending Requirements
    -Credit Score Notifications
    -Multiple Applicant Requirements
    -Timing and Record Retention Requirements
    -Fair Lending Hot Spots

    Audience: This webinar is designed for loan officers, loan processors, compliance, audit and other loan operations personnel.

  • 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.

  • Deposit Compliance Issues

    This is the description from our webinar that was presented in October 2018. Please check back for a modified description. Topics may be updated, but registration is now open.

    Regulation D, Regulation E, Regulation CC, Reg GG, Regulation DD

    During this program we will cover some of the major issues that affect the compliance of your financial institution from these regulations. This program is designed for new deposit compliance officers and those who need a good review of each regulation and where the trouble spots are hiding.

    Covered Topics
    -Regulation D rules on savings accounts and time deposits
    -Regulation DD notices at new accounts, notices on time deposits, disclosures and advertising rules
    -Regulation E – Error Resolution, disclosures, foreign remittances and overdrafts
    -Regulation CC – Disclosure, Holds and new processing rules
    -Unlawful internet gambling
    -Substitute Check disclosures

    Audience: Deposit Compliance Officers, Deposit Operations, Branch Administration, Marketing, Training and other branch personnel.

  • 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 institution. 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 phases of ERM and how Risk Assessments fit in
    -The Risk Assessment Process
    -Risk Assessment Characteristics and goals
    -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
    -Examples of ongoing Monitoring and Reporting tools

    Audience: This informative session is designed for Risk Managers/Leaders, Chief Risk Officers, Compliance Officers, Internal Auditors, Chief Operating Officer, Chief Credit Officer, and the entire risk management team.

  • 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.

  • Developing and Organizing an Effective Remote Deposit Capture Program

    What is a Remote Deposit Capture Program? Do you need to enhance yours to ensure you have effectively addressed all the key elements? Should you enhance your RDC Agreement, your Suitability Analysis, Risk Assessment process, Site Visit, and the Customer’s Self-Assessment? Do you understand how these documents support your overall risk management of RDC and information security?

    Join us as we outline the detailed information you should consider adding to your documents and processes to support a thorough due diligence, risk assessment, and annual oversight of your customers. The information includes and supports your ongoing risk management of Remote Deposit Capture to mitigate the institution’s risk pursuant to the “FFIEC Risk Management of Remote Deposit Capture”. In addition, we will discuss ideas and considerations, if you are offering, or planning on implementing, Mobile Deposit Capture (mRDC).

    Covered Topics
    -Understanding the key elements of your RDC Program
    -Understanding the FFIEC Risk Management of RDC guidance
    -Elements of customer due diligence and suitability
    -Key elements of an effective RDC and mRDC agreement
    -Effective onsite visits and customer self assessment questionnaires
    -Information security issues
    -Customer risk assessment importance
    -Thoughts and considerations for a mRDC program
    -FFIEC IT booklet updates
    -FDIC INTREx program

    Audience: RDC Services Officers, Electronic Banking Officers, Deposit Operations Officers, Treasury or Cash Management Officers, Compliance Officers, Auditors, Chief Technology Officers, and Risk Managers.

  • 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 Forensics & Incident Response

    Audience:

  • 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.

  • Director Compensation and Compensation Committee Best Practices

    Determining board compensation is often the responsibility of the Compensation Committee. In this webinar, we will discuss director compensation trends including a general breakdown of the various components included in the total director compensation package. Both cash and equity will be discussed along with retainers, per meeting fees, committee fees, and chair fees. This session will also summarize any relevant compensation regulations and their impacts on director pay. In addition, we will cover Compensation Committee best practices including developing a committee charter, creating a calendar, composition of the committee, expertise needed for committee participation, and determining meeting agendas.

    Covered Topics
    -Summary total compensation market values from the Blanchard Director compensation survey and databases.
    -Current trends in director compensation (i.e., use of retainers and equity for directors).
    -Strategies for an effective compensation committee.
    -Providing the specifics that should be covered each calendar year by the committee.

    Audience: CEO/COO/CFO?s, HR Directors, and 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

  • Do's and Don'ts on Power of Attorney Documents

    Today, someone you have never met walks in with a power of attorney and demands to be added to your customer’s accounts?a customer with hundreds of thousands of dollars with your bank. Your customer is elderly and has no children. Immediately, your mind jumps to thoughts of fraud and protecting your customer as you scramble to figure out what to do. This is when well written and thought out power of attorney procedures for your financial institution can keep you out of litigation and liability. We don?t want to have to decide what to do in each case. We need to know our institution?s procedures to protect the bank and the customer and begin to work those procedures so that we follow state law, our internal procedures, and our signature card contract. This program will look at power of attorney ?dos and don?ts? and how to prevent your institution from making costly mistakes in handling these high-risk documents. We will also provide you with some guidance about what procedures you should have in place for handling POAs. As a bonus, you will receive a chart with your state law link and key components for your state?s POA statute.

    Covered Topics
    -Types of Power of Attorneys?Springing, durable, specific, military and other types of POAs
    -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?
    -Can you have a 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 informative session is designed for new customer representatives, customer service representatives, deposit operations, tellers, branch managers and anyone who opens or manages deposit account relationships.

  • Do's and Don'ts on Signature Cards

    Audience:

  • Do's and Don'ts on trusts

    Audience:

  • Do?s and Don?ts on Checks

    Why do we make handling checks so hard? These simple do?s and don?ts will keep your financial institution from losing money and creating chaos in the back office. Checks are contracts and should be handled like any other legal document. There are reasons why we do not put business checks into personal accounts and why we do not give less cash on business accounts. Learn the safe way to handle checks and be sure that you and your financial institution can be protected from loss on the negotiable instruments.

    Covered Topics
    -The simplest rule about checks that will save your financial institutions thousands of dollars
    -The connections between checks and account agreements – if you have not signed the signature card you cannot get the money
    -Postdated, stale dated, erasures, alternations and more lessons we need to learn
    -Why your institution needs to know about the negligence rule and the bank statement rule
    -Should we check endorsements and send them back as ?missing??
    -What should we do with checks payable to deceased people?
    -Treasury check, postal money orders and other special checks
    -Why we absolutely do not give cash back or deposit into personal accounts checks made payable to businesses.

    Audience: This webinar will benefit tellers, head tellers, cashiers, managers, branch operations, officers who approve check and deposit representatives who work with checks and deposits.

  • Driving Results with Your Bank?s Data

    As the race for core customers, core deposits, and expanded customer relationships intensifies, it is imperative to have your bank positioned for growth. In the age of analytics and informed decision-making, banks have a largely untapped source of internal data. We know where our current customers live and operate their businesses, and we have access to internal product and service utilization. Given this wealth of information, why aren?t more organizations utilizing it to improve results?

    During this session, we will explore specific and actionable strategies to use internal data to:

    -Grow core customers
    -Increase core deposits, and
    -Deepen customer relationships.
    Covered Topics
    -How big data can effectively be deployed to target prospective customers
    -Specific and actionable strategies to use internal data to increase core deposits, fee income and product utilization
    -How to enhance internal execution with customers and prospects

    Audience: This session is specifically geared for CEOs, Marketing Executives, Retail Banking Executives and Operations Executives.

  • Duties and Powers of the Trustee

    Explains the scope of a trustee’s authority. This course describes the duty of loyalty, the duty to preserve trust property, and the duty to keep accounts. It covers how a prudent trustee would delegate authority as a co-trustee. This course illustrates the relationship between the terms of the trust and the trust’s administration. This course explains trust administration during the settlor’s lifetime and following the settlor’s death, and defines discretionary powers. This course also teaches how to identify 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.

  • E-Sign for Lending

    The world of electronic banking continues to evolve and bankers want to keep pace with technology and customer preferences. Recent surveys indicate that 51% of adults in the U.S. bank online and 32% bank with mobile phones. Customers expect more digital access at a time that cybersecurity has become a significant threat. The recent ?breach? of 143 million consumer credit reports last year has brought additional scrutiny to compliance with both cybersecurity and consumer protection regulations. What steps must be followed to be in compliance with E-Sign? What NEW steps should be taken to verify the customer?s identity in view of an increased risk of identity theft?

    Program Highlights
    -What are the rules? Learn about Federal regulations for E-Sign
    -Which lending regulations are related to E-Sign and have specific provisions for compliance?
    -Can you provide appraisal copies electronically?
    -How do you comply with the ?delivery? requirements of Integrated Disclosures for Loan Estimates and Closing Disclosures?
    -What are ?digital signatures??
    -What are the retention requirements for loan documents?
    -Can mortgage statements be provided electronically?
    -Can Privacy Notices be provided electronically?
    -Common questions, resources, exam procedures
    -Learn the Six-Step Process for Consumer Consent
    -Basic Steps for E-Sign Implementation
    -Tips for cybersecurity and fraud detection of identity theft

    Audience: This informative session will be helpful to ensure compliance with e-banking and is targeted for Compliance officers, Lending staff and Loan operations, Operations Managers, and others responsible for managing online banking, E-SIGN compliance, e-statements, and e-disclosures.

  • E-Sign for Lending and Critical E-Sign Implementation Issues

    The world of electronic banking continues to evolve and bankers want to keep pace with technology and customer preferences. Recent surveys indicate that 51% of adults in the U.S. bank online and 32% bank with mobile phones. Customers expect more digital access at a time that cybersecurity has become a significant threat. The recent ?breach? of 143 million consumer credit reports last year has brought additional scrutiny to compliance with both cybersecurity and consumer protection regulations. What steps must be followed to be in compliance with E-Sign? What NEW steps should be taken to verify the customer?s identity in view of an increased risk of identity theft?

    Program Highlights
    -What are the rules? Learn about Federal regulations for E-Sign
    -Which lending regulations are related to E-Sign and have specific provisions for compliance?
    -Can you provide appraisal copies electronically?
    -How do you comply with the ?delivery? requirements of Integrated -Disclosures for Loan Estimates and Closing Disclosures?
    -What are ?digital signatures??
    -What are the retention requirements for loan documents?
    -Can mortgage statements be provided electronically?
    -Can Privacy Notices be provided electronically?
    -Common questions, resources, exam procedures
    -Learn the Six-Step Process for Consumer Consent
    -Basic Steps for E-Sign Implementation
    -Tips for cybersecurity and fraud detection of identity theft

    Audience: This informative session will be helpful to ensure compliance with e-banking and is targeted for Compliance officers, Lending staff and Loan operations, Operations Managers, and others responsible for managing online banking, E-SIGN compliance, e-statements, and e-disclosures.

  • 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 & 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 Solutions for Minors

    Explains the advantages and disadvantages and tax implications of the 529 Plan and Coverdell accounts. Covers the benefits and drawbacks, including the tax implications of custodial accounts. Describes the fundamentals of 2503(c) trusts and 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 can be used for college savings
    • Discuss the role of custodial accounts
    • Describe the use of 2503(c) trusts
    • Explain how Crummey Trusts 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.

  • 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.

  • EFT

    Audience:

  • 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.

  • Elder Financial Exploitation

    One of the saddest and most disturbing crimes is watching our elderly suffer from financial exploitation. It could be a romantic scam, check scam, problem with a caregiver, unusual transactions of the customer?s account and it is costing your customer his or her life savings. What can you do? What is the response? During this program, we will look at the problem of elder abuse and see what our role can be in protecting our elderly.

    Highlights
    -How our elderly get compromised with online banking and debit cards
    -Romantic scams against our elder customers
    -Caregiver issues and problems
    -Detecting usual transactions for our elderly
    -Should and should nots for conservators, representative payees and trustees
    -Misuse of Powers of Attorneys
    -Red Flags for elder exploitations
    -Responses to financial exploitation

    Audience: Training, branch staff, branch managers, branch operations, BSA, security, call centers and lenders.

  • 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 Compliance Priorities for 2019

    As we enter 2019, we have gained much more insight concerning community bank employment compliance priorities, both at a federal and local level. This session is designed to update human resource professionals regarding developments and proposals that have unfolded from the Trump administration, particularly new obligations announced during the past four months.

    We also are increasingly sensitive to standards arising under state and municipal codes. So, this session will also address those local developments, many of which become effective January 1, 2019.

    Attendees will receive compliance materials, to assist their organizations as we move forward.

    Highlights
    -What is the status of the federal overtime exemption standards in light of the federal agency ?Listening Sessions? and what is the expected salary level increase for 2019?
    -Where do we stand with Mortgage Lenders, Consumer Lenders, and Underwriters from an exemption perspective, given recent federal court and agency activity?
    -What are the new OFCCP investigation processes and how will they impact financial service organizations?
    -In terms of pay equity compliance, what analysis is being utilized by the OFCCP to combine rolls, as outlined in its August 2018 Directive.
    -What are the current obligations for Affirmative Action Plans and Diversity Self-Assessments, including the new AAP verification process?
    -How should community banks plan for employment compliance efforts in calendar year 2019?

    Audience: HR, Senior Leaders, Compliance, Audit and Bank Counsel.

  • 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.

  • Employment Records and How to Keep Them

    This program provides information not just on what records you should keep and for how long, but on the several underlying and even more important issue of record creation, storage, and the DON’Ts which create the major liabilities.

    Human Resources, payroll, safety, and auditing professionals have ongoing questions about what employment records are required to be retained, and for how long. However, this is only the start of the issues. The legal requirements and employer liabilities go far beyond these simple issues.

    Covered Topics
    -How do you keep records?
    -Who has access?
    -Why are you in trouble if you only follow the legal time requirements?
    -Should you “archive” all records?
    -What creates “records”?
    -What creates “problem records” you did not even know you had?
    -What records should you NOT create?
    -The penalties for NOT preserving that the laws don’t even mention
    -How do the courts view your record retention?

    Audience: Human Resources personnel, Managers, Accountants, and anyone employing others will benefit from this webinar.

  • 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

  • Endorsements - Consumers, Businesses and Fiduciaries

    This is the description from our webinar that was presented in September 2018. Please check back for a modified description. Topics may be updated, but registration is now open.

    Understanding endorsements and handling checks is crucial to making sound check cashing decision. A check is a unique type of contract where ownership can be transferred by way of the endorsement on the back of the item. This program will look at who has the right to endorse the back of the check and where is proper endorsement placement. We will also look at what happens if a check is not endorsed properly, when it may be best not to accept the check at all due to missing or problem endorsements and why we do not put business checks into personal accounts and why we do not give less cash on business accounts. Many ?tricky? issues will be discussed, such as deceased customers, business accounts, endorsements for minors, income tax check endorsements, trustee endorsements and endorsements by powers of attorney. Learn the safe way to handle checks and be sure that you and your financial institution can be protected from loss on the negotiable instruments. You will not want to miss this webinar! The information provided will produce confidence and a thorough understanding of the legal issues of endorsements.

    Covered Topics
    -Who is the person entitled to endorse the check?
    -What is a valid endorsement?
    -Bearer verses Order Checks
    -Who is the holder of a check, and what is the holder in due course?
    -Ambiguous endorsements
    -Endorsements for minors, deceased parties, business accounts
    -Witnessed endorsements
    -Check cashing issues for business accounts
    -Endorsements on income tax checks
    -Trustee and power of attorney endorsements
    -The simplest rule about checks that will save your financial institutions thousands of dollars!
    -The connections between checks and account agreements if you have not signed the signature card you cannot get the money
    -Postdated, stale dated, erasures, alterations and more lessons we need to learn
    -Why your institution needs to know about the negligence rule and the bank statements rule
    -Should we check endorsements and sent them back as ?missing??
    -Treasury checks, postal money orders and other special checks
    -Why we absolutely do not give cash back, cash or deposit into personal accounts checks made payable to a business.

    Audience: This webinar will benefit tellers, head tellers, cashiers, managers, branch operations, bookkeeping, compliance officer who approve checks and deposit representative who work with checks and accounts.

  • 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 Risk Assessment in Commercial Real Estate Lending

    Environmental due diligence is an important risk management tool in the underwriting and closing of commercial real estate loans. This webinar will cover the environmental aspects of the OCC?s risk management guidelines for commercial real estate lending as well as their practical implications for your bank.

    What You Will Learn
    -Key terminology
    -The Comprehensive Environmental Response, Compensation and Liability Act (CERCLA) and the local, state and federal power to regulate and enforce
    -Bank and customer site inspection questionnaires
    -Government records
    -Environmental Site Assessments (Phase I, II and III)
    -Transaction screening
    -Other appropriate inquiries
    -Interacting with Environmental Professionals
    -Impact of environmental contamination on values and borrower cash flow
    -Bank exposure as a lienholder on contaminated property
    -Key components of effective environmental risk management programs

    Audience: Commercial real estate lenders and credit officers, commercial lenders, credit analysts, loan review specialists, special assets officers, lending managers and support personnel, compliance officers and auditors.

  • 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.

  • Equipment Lease Financing

    Seventy-two percent (72%) of U.S. companies use some form of financing when acquiring equipment. A long-term lease transaction is the functional equivalent of a loan. Community banks can profit from a focus on equipment lease financing, particularly in areas with heavy agricultural, commercial or industrial activities. This webinar focuses on the many aspects of equipment lease financing, from structure and documentation to monitoring and administration. It will also include a review of the OCC Lease Financing Guidelines. Both new and experienced equipment lease financing lenders will find this program to be informative and useful.

    Covered Topics
    -Capital leases vs. operating leases
    -“True Leases” vs. lease financings under the UCC
    -Types of equipment well-suited to lease financing arrangements
    -Economic analysis of a lease vs. loan
    -Tax and accounting issues
    -Documenting the equipment lease financing arrangement
    -Equipment maintenance and upgrades
    -Lease monitoring and administration
    -Defaults and remedies under the lease
    -Treatment of leases in bankruptcy
    -Review of OCC Lease Financing Guidelines

    Audience: Loan officers, loan assistants, loan operations personnel, loan review personnel, compliance and audit personnel or any banker wishing to enhance his/her knowledge and understanding of the "hows" and "whys" of real estate lending.

  • Escrow Accounts Compliance

    Compliance with the escrow requirements can be tricky. The rules are often vague, some terms are not defined and some investors make up rules that contradict the regulatory requirements. If you are doing something wrong, it?s likely systemic, which leads to more serious issues.

    Join us for a two-hour webinar on Escrow Accounts to get a clear understanding of how to set up and maintain compliant escrow accounts. This webinar will cover the latest requirements, guidance, best practices and compliance hot spots.

    Covered Topics
    -Required Escrows Accounts
    -Voluntary Escrows Accounts
    -Initial Escrow Account Statements
    -Annual Escrow Account Statements
    -Loan Payoff Escrow Account Statements
    -Escrow Account Surpluses, Shortages & Deficiencies
    -Step-by-Step Escrow Account Analysis
    -Best Practices

    Audience: This webinar is designed for loan officers, loan processors, compliance, audit and other loan operations personnel that create, calculate, analyze and disclose information related to escrow accounts.

  • Escrows

    There are several lending laws and regulations out there that require escrowing of taxes, insurance, and similar fees. And not only are there rules that require escrows, RESPA then mandates the accounting for the escrow be maintained pursuant to specific rules. In this webinar we?ll discuss the mechanics of establishing and maintaining escrow accounts, as well as in what situations escrows must be maintained.

    In addition, there are several exceptions in the rules where small servicers are exempt from maintaining escrows if certain requirements are met.

    Covered Topics
    -Escrowing under flood insurance rules ? when escrow must be maintained, as well as notices
    -Reg. Z escrow rules ? HPML rules that mandate escrow accounts, plus opt-out possibilities
    -RESPA requirements ? what is an escrow account?
    -Can we maintain a ?voluntary escrow? and avoid the RESPA requirements?
    -Calculating the initial deposit into the escrow account ? aggregate accounting rules
    -How to complete initial and final disclosures with escrow information
    -Required notices and statements ? initial, annual, and short-year
    -The 3 documents that must be sent each escrow accounting year
    -Dealing with surpluses, shortages, and deficiencies

    Audience: Anyone on the residential mortgage side of the business who is responsible for establishing or maintaining escrows, attorneys, closing agents, loan officers, compliance officers, auditors, testers, and management will all benefit from the information in this webinar.

  • ESIGN and UETA for Deposits

    Understanding disclosures, signatures and electronic storage may be crucial to your institution?s success in upcoming examinations and in day to day business at the bank. There are federal and state considerations to take into consideration. In this program learn the 15 hot spots that can keep you out of trouble with consumers and regulators in 2019.

    Highlights
    -How to distinguish the two sets of rules
    -The framework of ESIGN
    -The framework of UETA
    -15 Hotspots on the two sets of rules
    -What you can do and what you can?t do
    -Checklist to see if your online program is in compliance
    -Electronic disclosures, electronic signatures and storage

    Audience: Compliance Officers, Auditors, Branch Operations, Loan Operations and Online banking.

  • 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.

  • Establishing a Respectful Workplace

    There has been an explosion of sexual harassment allegations in both the press, and in complaints to employers. Famous media people, executives, and public and corporate managers have suddenly had careers damaged or ended due to their improper behaviors. Harassment is certainly not new. Yet now there is a new environment, new support and motivation to come forth. Organizations, Congress and Legislatures are paying attention to Enhanced policies, practices and new laws and liabilities are coming.

    In many organizations sexual harassment seems all too common. Yet in others it rarely arises and is quickly and effectively addressed. What is the difference?

    Identifying and Combating Harassment – Establishing a Respectful Workplace

    Your organization must seek to prevent and to address harassment! The courts have expanded the scope of an organization’s duty of care for the overall work environment. The U.S. Supreme Court has ruled that private and public organizations have a Duty of Care which is owed to both those they serve and to their employees. The failure to pay attention to this Duty of Care can result in personal harm and legal liability for both the organization and for the individual. Adopting the Duty of Care immunizes organizations from liability and creates a healthy, productive profitable workplace.

    This program brings understanding of employees’ responsibilities toward each other and covers how to effectively address and resolve issues.

    Covered Topics
    -How to define and identify harassing behavior in its differing manifestations
    -Understand the laws which apply and how they can be used to confront and correct harassing behaviors; and new liabilities on the way
    -Guidelines you can adopt to stop harassment before it starts
    -The Duty of Care principles for addressing abusive behaviors and preventing liability
    -Gain an understanding of how these concepts apply to practical, everyday situations
    -Understand each person’s rights and obligations in a Respectful Workplace
    -Understand how to address situations before they harm people and generate legal actions

    Audience: Human Resources and anyone that creates policy and procedures for your financial institution or with responsibility for supervising employees.

  • Estate and Guardian Administration

    Generates an understanding of the estate administration process including deadlines, protecting assets, paying claims against the estate, asset management, income tax obligations, and distribution responsibilities. Explains the preliminary matters relating to guardian administration, including responsibilities in estate asset inventory and asset management and closing a guardianship/conservatorship.

    What You’ll Learn

    After completing this course, students will be able to:

    • Define probate and the matters required prior to opening a probate estate
    • Explain the duties of a trust professional in estate administration
    • Define guardianship and describe the responsibilities associated with guardianship 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 Charitable Giving

    Describes proven charitable techniques to accomplish estate and financial planning objectives and the characteristics and tax advantages of charitable remainder trusts, charitable lead trusts, and pooled income funds. Explains how to apply for exemption status and filing and reporting requirements.

    What You’ll Learn

    After completing this course, students will be able to:

    • Define and describe the characteristics of split-interest charitable trusts
    • Explain the tax considerations for exempt and nonexempt charitable 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.

  • Estate Planning for IRAs and Qualified Plan Balances

    Explains how to identify mandatory distribution rules for deductible IRAs and qualified plans. Describes the beneficiary options available and ways to distribute benefits for qualified plans and IRAs. Outlines the requirements for qualifying for the marital deduction, and how to fund a credit shelter trust with proceeds from a qualified plan or IRA. Describes how pecuniary bequests to charities should be funded, and the use of charitable remainder trusts as the designated beneficiary of a qualified plan or IRA.

    What You’ll Learn

    After completing this course, students will be able to:

    • Analyze the tax consequences and distribution options when retirement plan benefits are payable to a trust
    • Explain how retirement benefits are coordinated with the estate plan
    • Examine the issues concerning making retirement plan benefits payable to a credit shelter or marital trust
    • Describe charitable gift opportunities for retirement plan balances

    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. 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 Solutions for the Business Owner

    Examines planning for successors, and valuing stock of closely held businesses, and guidelines for application. 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.

  • Evaluating Financial Projections

    Financial Projections are an overlooked but important component of the credit process. Although essential for startup businesses (which have no historical financial information), they are also significant for established businesses, as well. Developing financial projections are an excellent exercise for a business to pursue since this requires a business owner to think about the future and to develop a plan for achieving its future goals.

    Covered Topics
    -Why are projections important?
    -Testing Assumptions
    -Common methodologies to develop accurate financial projections
    -Common pitfalls in evaluating Financial Projections

    Audience: Credit Analysts, Loan Officers, Loan Committee members, Business Development Officers.

  • 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 Explained: Creating Interactive Spreadsheets

    When you attend this live presentation, you?ll learn from Excel expert David Ringstrom, CPA, how to implement multiple techniques to create spreadsheets that are interactive, accurate, and user friendly. He demonstrates how to use a variety of Excel?s form controls and features to control the data input of other users, simplify data entry, preserve key formulas, minimize spreadsheet maintenance, and more.

    David demonstrates every technique at least twice: first, on a PowerPoint slide with numbered steps, and second, in the subscription-based 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.

    Covered Topics
    -Creating an input rule that requires names to be entered in a last-name, first-name format.
    -Specifying a range of whole numbers that a user can enter in a worksheet cell.
    -Streamlining data entry in Excel with the CheckBox form control.
    -Minimizing ongoing spreadsheet maintenance with Excel?s Table feature.
    -Preserving key formulas using hide and protect features.
    -Restricting users to only enter dates within a given range, or before/after a given date.
    -Limiting users to a single choice by way of Excel?s OptionButton form control.
    -Limiting the number of characters that a user can enter in a worksheet cell.
    -Discovering how to enable the Developer menu.
    -Learning how the Table feature allows you to transform filtering tasks.
    -Avoiding merging cells?use the Text Box feature for paragraphs of text instead.
    -Using Excel?s Go to Special feature to easily select form controls you wish to remove en masse.

    Audience: Practitioners who want to learn how to create user-friendly, interactive spreadsheets.

  • Excel Explained: Introduction to Spreadsheets

    This presentation is designed for those who haven?t worked with Excel spreadsheets before or who haven?t used them in a few years. Excel expert David Ringstrom, CPA, walks you through the basics of Excel spreadsheets, providing the knowledge needed to create functional spreadsheets and manipulate large lists of data.

    During the webcast, David presents an overview of the different types of files you can create; explains Excel?s rows and columns grid; demonstrates how to remove duplicates from a list; shares keyboard shortcuts that simplify repetitive tasks; shows you how to use free, prebuilt Excel templates to get a jump start on your spreadsheet projects?and much more.

    David typically demonstrates techniques from the version of Excel used by the majority of attendees. This means he uses Excel 2010, 2013, or 2016 to demonstrate techniques, but his detailed handouts identify differences in Excel 2007, 2010, 2013, and 2016 when needed.

    His webcasts are fast-paced, and attendees often are surprised at the amount of ground he covers in a session. He welcomes participants? questions, so come ready to pick his brain. David?s detailed handouts, with numbered steps, serve as reference material you can utilize going forward. He also provides an Excel workbook that includes most of the examples he uses during the webcast.

    What You Will Learn:
    -Bring Excel?s green error-checking prompts under control by managing the underlying rules.
    -Compare user interface changes in Excel 2013 and 2016 that have vastly simplified chart-related tasks.Discover the Recommended PivotTables feature.
    -Eliminate duplicates from a list with just a few mouse clicks.
    -Get a jump start on spreadsheet projects by using free, prebuilt templates in Excel.
    -Get an overview of the different types of files you can create in Excel.
    -Get oriented with Excel?s grid of rows and columns.
    -Jump-start data visualization with the Quick Analysis feature.
    -Learn the nuances of copying formulas within Excel spreadsheets.
    -Manage column widths within your spreadsheets.Master Excel?s order of operations for mathematical formulas.
    -Navigate large workbooks with ease by way of a hidden menu as well as keyboard shortcuts.
    -Never type $ signs manually in a formula again; use a keyboard shortcut instead.
    -Simplify repetitive tasks by creating your own keyboard shortcuts.
    -Streamline printing spreadsheets to PDF format.
    -Understand how to enter dates in an Excel spreadsheet.
    -Use a custom number format to hide zero amounts within a specific area of a spreadsheet.
    -Gain control over long lists of data by filtering instead of sorting.

    Audience: Practitioners who wish to learn the basics of working with Excel spreadsheets.

  • Excel Explained: Minimize Spreadsheet Errors

    In this comprehensive presentation, Excel expert David Ringstrom, CPA, shares a variety of tricks and techniques you can use to improve the integrity of your Excel spreadsheets. You?ll also discover methods for auditing the spreadsheets created by others. David shows you how to implement a variety of Excel features, including the Hide and Protect feature, the Conditional Formatting feature, the Table feature, the Data Validation feature, and the Custom Views feature. In addition, he explains how to perform dual lookups, sum disparate sections of a spreadsheet, preserve key formulas, identify duplicates, and more.

    David demonstrates every technique at least twice: first, on a PowerPoint slide with numbered steps, and second, in the subscription-based 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.

    What You Will Learn
    -Utilizing the New Window and Arrange Windows commands to view two different worksheets simultaneously.
    -Protecting workbooks to prevent users from renaming, hiding, unhiding, or otherwise affecting worksheets.
    -Building resilience into spreadsheets by avoiding daisy-chained formulas.
    -Improving the integrity of many Excel features by placing column headings within a single row instead of spanning two or more rows.
    -Enabling selected users to access protected areas of a worksheet by way of the Allow Users to Edit Ranges feature.
    -Limiting access to sensitive workbooks by way of password protection.
    -Using range names to streamline formulas and bookmark key inputs within a workbook.
    -Learning a simple design technique that greatly improves the integrity of Excel?s SUM function.
    -Preventing errors from the start by choosing from thousands of free Excel spreadsheet templates.
    -Mastering the IFERROR function to display alternate values in lieu of a # sign error.
    -Using Conditional Formatting to identify unlocked cells into which data can be entered.
    -Improving the integrity of spreadsheets with Excel?s VLOOKUP function.

    Audience: Practitioners who may benefit from improving the integrity of their Excel spreadsheets and boost their efficiency while doing so.

  • Excel Explained: Pivot Tables

    Excel expert David H. Ringstrom, CPA, focuses on the basics of using Excel pivot tables in this comprehensive presentation. Pivot tables empower 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. As is the case with 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 subscription-based 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.

    Covered Topics
    -Compiling unwieldy data into the format required for pivot table analysis quickly and easily.
    -Using Excel?s PivotTable feature to quickly identify anomalies within QuickBooks data.
    -Adding fields to pivot tables.
    -Discovering how pivot tables differ from worksheet formulas and learning the importance of the Refresh command.
    -Identifying the requirements of ideal data sets to be analyzed within your pivot tables.
    -Avoiding frustration by understanding the nuances of pivot table formatting.
    -Learning the nuances associated with subtotaling data within a pivot table.
    -Creating a macro that will automatically remove the words ?Sum Of? from your pivot table fields.
    -Filtering pivot table data based on date ranges by way of the Timeline feature in Excel 2013 and later.
    -Learning multiple ways to remove fields from a pivot table.
    -Disabling the GETPIVOTDATA function if it?s not needed for your analysis.
    -Understanding why numeric data may appear in a pivot table more than once and how to correct the problem.
    Learning Objectives:
    -Define how to expand and collapse groups of data within a pivot table.
    -Identify the best approach for formatting numbers within a pivot table.
    -List ways to add and/or remove fields from a pivot table.

    Audience: Practitioners who may benefit from learning how to use Excel pivot tables to create accurate reports.

  • Excel Explained: Utilizing Dashboards

    Audience:

  • Excel Explained: Working with Budget Spreadsheets

    This is the description from our webinar that was presented in August 2018. Please check back for a modified description. Topics may be updated, but registration is now open.

    In this comprehensive live webcast, Excel expert David Ringstrom, CPA, teaches you how to create resilient and dynamic budget spreadsheets. David demonstrates techniques and Excel features and functions that enable you to improve the integrity of your spreadsheets, transform filtering tasks, preserve key formulas, and more.

    David demonstrates every technique at least twice: first, on a PowerPoint slide with numbered steps, and second, in Excel 2016. He?ll draw to your attention any differences in Excel 2013, 2010, or 2007 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.

    Covered Topics
    -Going beyond simple rounding with the ROUNDUP and ROUNDDOWN worksheet functions.
    -Learning how the Table feature allows you to transform filtering tasks.
    -Employing the SUMIF function to add up values related to multiple instances of criteria that you specify.
    -Using range names to streamline formulas and bookmark key inputs within a workbook.
    -Using the SUMIF function to summarize data based on a single criterion.
    -Avoiding the complexity of nested IF statements with Excel?s CHOOSE function.
    -Improving the integrity of spreadsheets with Excel?s VLOOKUP function.
    -Preserving key formulas using hide and protect features.
    -Comparing and contrasting IFNA, IFERROR, and ISERROR functions and learning which versions of Excel support these worksheet functions.
    Learning Objectives:
    -Apply and isolate all user entries to an inputs worksheet and protect all calculations and budget schedules on additional worksheets.
    -Recall how to use range names and the Table feature to create resilient and easy-to-maintain spreadsheets.
    -Identify the Excel command that allows you to streamline formula writing.

    Audience: Practitioners seeking to build budget spreadsheets that can be updated effortlessly and contain easy-to-follow supporting calculations.

  • 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.

  • Excel: Filtering and Slicing Data

    Audience:

  • Executive Total Compensation ? Strategies to Motivate and Incent

    This is the description from our webinar that was presented in October 2018. Please check back for a modified description. Topics may be updated, but registration is now open.

    This will focus on the primary elements of the executive total compensation package and how these elements can be utilized to motivate and incentivize members of the senior leadership team to effectively achieve the Bank?s strategic goals. We discuss the current compensation environment and trends in the use of short-term and long-term incentive plans, as well as executive benefits and perquisites that are commonly found in community and regional banks. We incorporate applicable regulatory guidelines and discuss how to avoid ?excessive risk-taking? while still attracting, motivating, and incenting the Bank?s leaders.

    Covered Topics
    -Summary total compensation market values from the Blanchard Compensation Survey & databases
    -Annual Cash Incentives/Bonuses ? Common components such as prevalence of plan types, plan design, performance metrics & payouts, risk & regulation
    -Long-Term Incentives/Equity Awards ? Types of vehicles, prevalence & usage, performance & vesting, goals, ownership requirements
    -Executive Benefit Programs ? Types of supplemental retirement/benefit programs to recruit and retain top executives and key producers.

    Audience: HR Directors, CFO?s and CEO?s.

  • 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

    Join Jerod Moyer of Banker?s Compliance Consulting for a two-hour webinar dissecting the compliance requirements related to Fair Lending.

    Fair Lending is one of those compliance topics that continues to be on examiner’s ?hot? list. Illegal discrimination is a big deal so we don?t anticipate that to change anytime soon. Is your financial institution doing all it can to mitigate the potential risks you face? What will your examiners expect at your next exam?

    What You Will Learn
    -Fair Lending Hot Spots
    -The Effects of Technology
    -Types of Discrimination
    -CMS, Regulatory Examinations & Expectations
    -Regulation Intersections (i.e., ECOA, HMDA, TILA, etc.)
    -Risk, Risk Assessments & Risk Mitigation
    -Board & Management Oversight
    -And Much, Much, More!

    Audience: This webinar is designed for management, loan officers, loan processors, compliance, audit and loan operations 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

    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 - Do Your Lenders Know the Requirements

    What?
    Fair Lending never seems to fall out of fashion. While the rest of the industry is focusing on TRID, Flood Insurance and HMDA, the regulatory agencies, the Department of Justice and plaintiff attorneys are focused intently on the issue of fair lending. Large penalties and burdensome enforcement actions are the order of the day.

    Occasionally evidence indicates the existence of hate-based discrimination. In most cases the evidences points to ignorance-based discrimination – the lenders truly did not understand they were violating the law; they thought they were protecting the interests of their employer. Understanding the bases of discrimination is the first step to avoiding fair lending violations.

    Charges of discrimination can come from any direction. Discrimination can be obvious, subtle or unintended. Risk comes in the form of penalties, regulatory enforcement actions, civil liability, or damage to a bank’s reputation, to mention a few. The best defense to these threats and risks is developing and maintaining a sound fair lending compliance management system (CMS). The core of a Fair Lending CMS is a deep understanding of the basic rules regarding Fair Lending.

    Why?
    This information packed webinar provides the refresher on the basic concepts of fair lending that examiners expect to see. It also explains recent fair lending problems, the corrective action required by the agencies, the penalties imposed on the bank, and steps your institution can take to avoid similar problems. Recent and pending developments that will have a significant impact on Fair Lending are explored.

    Covered Topics
    -Basic fair lending concepts;
    Laws and regulations;
    Bases of discrimination;
    Types of discrimination;
    -Recent Developments including:
    Agency consent orders;
    Familial Status Discrimination cases;
    Native American Discrimination cases;
    HUD Guidance on Limited English Proficiency
    -Pending Developments
    Expansion of Regulation B to include data collection on loans to minority-owned businesses, women-owned businesses, and small businesses.

    Audience: The program is designed for the board of directors, senior management, compliance officers, auditors, lending department management, loan operations personnel, loan officers, loan originators and others involved in originating or servicing loans of all types.

  • 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

  • Fair Lending Laws and Regulations

    Audience:

  • 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.

  • FDIC INTREx Work Program

    First the Regulators rolled out the Cyber Assessment Tool (CAT), then one year later the FDIC released its new Information Technology Risk Examination Program – or InTREx for short. The examination work program incorporates many of the work steps and review areas from the FFIEC IT Examination Handbook, while drawing from the CAT declarative statements and adopting a focus on cybersecurity.

    Along with the new work program is a new Information Technology Profile to replace the former IT Officer? Questionnaire, and a resurrection of the original Uniform Rating System for Information Technology (URSIT), which includes a rating for each of the four examination components and an overall composite rating.

    Not only is the FDIC changing things up, the Federal Reserve is also using a form of INTREx as well as many of the Conference of State Banking Supervisors (CSBS).

    Covered Topics
    -Overview of Examination Process
    -Technology Profile
    -Component Control framework – Audit, Management, Development and Acquisition, and Support and Delivery
    -Decision Factors
    -Cyber Security
    -GLBA Coverage
    -Report changes including URSIT

    Audience: Internal Auditors, Compliance Officers, IT Managers, Risk Managers, Senior Management.

  • Federal Benefit Payments Garnishments

    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 Rule on the Garnishment of Accounts Containing Federal Benefit Payments. The rule supersedes the laws of many states pertaining to how financial institutions process garnishments. It will also apply to the processing of state tax levies and warrants.

    Covered Topics
    -A general review of the requirements for processing garnishments and state tax levies under the rule
    -The special terminology that applies
    -The detailed steps financial institutions 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 financial institution personnel who process garnishment answers

  • Federal Benefit Payments Garnishments

    Audience:

  • Federal Compliance School OnDemand with Live Streaming

    If you are unable to attend this popular bank compliance school April 29th through May 2nd, here’s your chance to learn from the nation’s top compliance experts at your own convenience. You’ll enjoy unlimited OnDemand playback access for six months. You also have the option to enjoy the school as it happens, via live streaming video. You can purchase the entire school or just one module, the choice is yours!

    Are you as knowledgeable and aware of the latest compliance issues, changes and concerns as you could be? Is compliance handled expertly in all areas of your institution? Has your compliance program changed with the changes in regulations? Need to meet your annual BSA Training requirement? Both compliance professionals and bankers in lending and operations areas can benefit from the knowledge and interpretation of professional compliance managers, consultants and regulators at the 33rd Annual Federal Compliance School.

    Faculty Info:

    PATTI JOYNER BLENDEN founded Financial Solutions in 1990 to provide community financial institutions with effective solutions for the ever increasing need for cost-effective regulatory risk management. The company provides compliance reviews, in-house training, compliance policy and procedure development and other special projects for community bank clients. One of her favorite assignments is to participate in defending bank clients through litigation support. Patti?s ability to transform complex requirements into simple, practical solutions is bound by a deep conviction that ?excellence is not optional,? easily translating into effective answers for community bankers. Patti firmly believes that being a community banker is all about the size of your heart, not your bank?s assets! She has a thorough understanding of the current regulatory environment and is able to integrate, streamline and automate competing priorities without compromising compliance, results, or your sanity. Patti loves people and banking ? put the two together and its inspiring!
    KEITH MONSON, CRCM, Vice President of Application Compliance, Computer Services, Inc., Jefferson City, MO. Mr. Monson has over 25 years of banking experience and frequently speaks on a variety of compliance related issues. Mr. Monson has compliance experience with both large and small financial institutions and has also provided compliance management assistance to banks as a compliance consultant. Mr. Monson is a past Chairman of the CRCM Advisory Board and a former member of the Certification Council for the Institute of Certified Bankers. He is also a past Chairman of the Missouri Bankers Association?s Compliance Committee. In addition, Mr. Monson has written for and served as the Chairman of the Editorial Advisory Board ? Bank Compliance Magazine and was a past member of the Compliance Executive Committee and the Regulatory Compliance Conference Advisory Committee for the American Bankers Association. He was named the 2009 Distinguished Service Award winner by the ABA Compliance Administrative Committee for his work in the compliance field. Mr. Monson graduated from Truman State University and holds a Bachelors of Science degree in Finance.

    CARL PRY, CRCM, CRP, is a Managing Director for Treliant Risk Advisors in Washington, DC. Through his working career, as well as through his experience as a banking attorney and officer, he has provided a variety of regulatory compliance and financial performance services to financial institutions and other clients throughout the country. He has written extensively regarding consumer and commercial compliance, tax, audit, and financial institution legal issues, and is a frequent contributor to and currently serves on the Editorial Advisory Board for the ABA Bank Compliance magazine. He has spoken at scores of banking, compliance, and state bar associations, and has conducted training sessions for financial institutions across the country.

    Audience: You don?t need to be a compliance officer to attend. Over 50% of the participants in previous years have been lenders, operations officers, auditors, attorneys, presidents, and others. Compliance education is important for every bank officer.

  • 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 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.

  • Feedback and Coaching

    A business coach wears many hats: subject-matter expert, role model, developer, mentor, observer, consultant, liaison, facilitator, and cheerleader. Feedback and Coaching provides a thorough, well-organized overview of best practices to master these many roles. This webinar covers the need to cultivate real relationships with those you coach, practical standards to assess them by, effective ways of offering feedback, and helpful proactive follow-up activities. It also discusses the key steps involved in applying the ADDIE process to the coaching situation. You will leave Feedback and Coaching with greater knowledge, authority, and confidence in fulfilling this vital responsibility.

    What You Will Learn
    -Establish credibility through genuine relationships in the coaching process.
    -Develop conflict-resistant strategies to create a safe environment for feedback.
    -Employ methods that facilitate giving and receiving quality feedback.
    -Provide effective feedback to develop others through the coaching process.

    Audience: This webinar is for business professionals in coaching of new and senior associates regardless of the coach?s or coachee?s level in the organization.

  • FFEIC Cyber Compliance Review

    Audience:

  • FFIEC Guidance on Employee?s Use of Social Media

    Audience:

  • 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.

  • FFIEC Information Security Handbook Review

    In 2016, the FFIEC completely re-wrote 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.

    What You Will Learn
    -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.

  • FFIEC Mobile Services Guidance Review

    Mobile banking usage by consumers has become a common process for Americans and an expected offering from a financial institution. Apps for mobile banking have become some of the most widely-used applications, according to Citi’s 2018 Mobile Banking Study. Mobile banking usage has increased by over 50% from the previous year’s survey. In addition to mobile banking, more and more FinTech solutions are coming to the market for consumers to leverage. All of this creates both opportunity and risk for financial institutions. Mobile Banking, Mobile Payments, and FinTech solutions are top of mind as financial institutions evaluate which mobile financial services are right for their customers.

    For financial institutions, the strategic value of mobile financial services must be balanced with appropriate risk management. This needs to occur during the strategic planning stages, product selection, and ongoing monitoring of existing solutions. In 2016, the FFIEC released Appendix E: Mobile Financial Services in an update to the Retail Payments Booklet. It brings clear risk identification, measurement, and management expectations to financial institutions. We will discuss the expectations within the FFIEC Retail Payments Booklet

    In addition to the guidance, we will explore applied risk management concepts for mobile banking solutions. Focus will include Mobile Risk Assessments, integration into Information Security Programs, Third Party Risk Management, and effective IT Auditing.

    What You Will Learn
    -Mobile Financial Services Technologies
    -Risk Identification
    -Risk Measurement
    -Risk Mitigation
    -Monitoring and Reporting

    Audience: Fundamental background information for the Executive team involved in mobile initiatives. Information Security Officer, IT Auditor, Risk Officers, Compliance Officers, and IT Management looking to understand or improve current risk management practices around mobile banking.

  • 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

  • Five Ways to Jump-Start Your Core Deposit Growth in 2019

    Generating low-cost core deposits is again an urgent strategic priority for financial institutions nationwide. In this highly-competitive, rising-rate environment, demand for core funding is high, and many community institutions are scrambling to keep pace.

    The challenge: Old strategies to attract core deposits are no longer relevant to today?s consumers and the conventional wisdom that financial institutions have relied on in the past, no longer works.

    The solution: Coaching financial executives to profitably grow core deposits, expand their branch networks, and successfully serve their broader communities by embracing and deploying a new strategy that rejects conventional wisdom, but resonates with consumers, and revives your bottom line.

    Covered Topics
    -Strategies to double overall new account acquisition and grow core deposits
    -Capitalize on your competitive advantages as a financial institution competing against the big banks
    -How to align in-branch strategy with marketing to maximize growth

    Audience: Bank executives responsible for growing core deposits. This is for financial institutions that offer both retail and business/commercial account services.

  • 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

  • Flood Insurance Compliance

    Join us for a webinar covering the flood insurance compliance hot spots. This webinar will cover the latest requirements, guidance, best practices and compliance hot spots.

    What You Will Learn
    -Ongoing Reform
    -Risk Management
    -Flood Determinations
    -Special Flood Hazard Area Notice
    -How Much Flood Insurance Is Required?
    -Insurable Value
    -Multiple Buildings
    -Detached Structure Exemption
    -Escrow Requirements
    -Force Placement Requirements
    -M.I.R.E. Events
    -Monitoring Requirements

    Audience: This webinar is designed for loan officers, loan processors, compliance, audit and other loan operations personnel.

  • Flood Insurance: Compliance Issues

    This is the description from our webinar that was presented in July 2018. Please check back for a modified description. Topics may be updated, but registration is now open.

    The flood insurance regulations have been around since 1996, yet examiners continue to cite numerous violations and fines. Flood has been announced as one of the regulators’ principal areas of concern. We’ve also had changes in the law, with the Biggert-Waters Flood Insurance Reform Act of 2012, that has influenced compliance efforts. The NFIP was temporarily extended through the end of this year but there are significant changes coming to the program due to severe financial issues. These changes won?t just change the economics of the program; there will be compliance changes, too. We?re not positive what those will be yet, but there are tea leaves to read.

    We’ll concentrate on some of the more vexing current issues in flood compliance, such as monitoring, contents coverage, and the ever-present condo problem, by talking through sample scenarios and explaining best practices in keeping your portfolio covered.

    Covered Topics
    -What might happen to the NFIP when Congress gets around to amending the program? What will the compliance implications be?
    -What exactly do the flood insurance rules cover?
    -What is a covered structure or an insurable mobile home?
    -Determinations: when you must do them, reliance upon previous determinations, disputes over their results, and the role of life-of-loan coverage
    -Flood zone discrepancies – how to deal with them
    -Insurable value – what is it and how is it calculated?
    -Coverage Amounts: “Normal” situations, condo coverage, multi-structure, and construction situations
    -“Knowledge is King” – when you have to know
    -Documentation and retention: the Standard Flood Hazard Determination Form, notice to customers, and proof of insurance
    -What do you have to monitor?
    -The types of policies and their limitations, including NFIP (National Flood Insurance Program) and private policies
    -Force-placing insurance – why and how
    -Insurance premiums and Congressional action
    -Increasing regulatory expectations

    Audience: This interactive session will give an in-depth understanding of these rules and is imperative for anyone performing duties in real estate lending areas of the financial institution. This includes loan officers, supervisors, auditors, closing agents, compliance officers, trainers and others working in these types of positions.

  • For Bank Managers: Hire Your Next Banking Sales SuperStar

    Are You Looking for a Needle in a Haystack?
    How to Improve Your Search for Sales Talent

    Most banks agree that hiring RMs who are successful at building and growing relationships (selling) is difficult and a 7-digit problem for them. Do you need a better approach? This webinar, delivered by Alex Cole, Managing Director for Hire Better Salespeople, will provide you with a proven process for searching, interviewing, hiring and on-boarding bankers who will be successful salespeople. You will leave this webinar with hiring tools that you can use immediately to take the guesswork out of hiring RMs who can and will sell and grow relationships successfully at your bank or credit union.

    What You Will Learn
    -The difference between bankers who might sell vs. those who will sell
    -How to spot a sales rainmaker within the first 10 minutes of the interview
    -A proven process to ensure that you find, interview and hire your next Superstar

    Audience: Executives, line of business managers, training directors and recruiting managers

  • For Bank Managers: 5 Keys to Coaching

    Audience:

  • For Banking RMs: How Top Producing Bankers Prospect for Business

    Successful bankers consistently ask for introductions. It is part of their prospecting routine. However, many sales people are hesitant or uncomfortable asking their clients for introductions. Do you need an effective, easy and repeatable process for turning your current, happy clients into your personal advocates? This one practice, when done effectively, will have more impact on your business than any other prospecting strategy.

    Covered Topics
    -Achieve the “ask for introductions” attitude
    -Learn how to implement a proven 5-step process to help you be more comfortable and systematic in your approach
    -Leverage information on LinkedIn so that you can know who your best clients know in advance
    -Learn actual “getting introductions” language to use and customize on sales calls

    Audience: Salespeople in all lines of business, tellers, supervisors and trainers.

  • For RMs: Banker's Top 10 for Sales Success

    Audience:

  • Foreign Remittances

    The remittance transfer rule applies to transactions that (i) qualify as remittance transfers, and (ii) are sent by people or companies that qualify as remittance transfer providers. This rule is a part of Regulation E.

    Remittance transfers are electronic transfers of funds that are more than $15 requested by consumers in the United States and sent to people or companies in foreign countries. These transfers include many types of international transfers, including cash-to-cash money transfers, international wire transfers, international ACH transactions, and certain prepaid card transfers.

    Companies that consistently send 100 or fewer remittance transfers a year do not qualify as remittance transfer providers and are not covered by the rule. If you are in what do you have to do? This webinar will cover the requirements for providers under Regulation E.

    What You Will Learn
    -What is the rule about?
    -What does it require?
    Disclosure obligations
    Cancellation and error resolution rights
    -What is a remittance transfer and what qualifies a company as a remittance transfer provider?
    -Is there a remittance transfer?
    -Are you a remittance transfer provider?
    -What do providers have to do to comply with the rule?
    What are your disclosure obligations?
    Estimates allowed in limited circumstances
    Cancellation, refund, and error resolution rights
    Liability for agents
    -Model Forms

    Audience: Compliance Officers, Deposit Operations, Account Services and any Regulation E compliance personnel.

  • 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.

  • Fundamentals of Alternative Investment Products

    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 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:
      • Hedge Funds
      • Private equity
      • Real Estate
    • Describe derivatives to clients, including the following:
      • Options
      • Futures and forward contracts
      • Swaps
    • Describe alternative investment formats to clients, including the following:
      • Common trust funds
      • 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.

  • 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 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

    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
    • Identify the transfer categories, exceptions, and exclusions for generation-skipping tax
    • Explain the benefits of the generation-skipping transfer exemption and allocations in estate planning
    • Describe the concepts associated with calculating the GST tax

    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 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 Deceased Deposit Accounts

    Your customer 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.

    When your deposit customer 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 customer dies.

    Covered Topics
    -Probate versus non-probate transfers
    -When does the will govern and when does the signature card?
    -What by passes 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?
    -FDIC insurance issues
    -Paying checks after the date of death
    -Paying ACH items after the date of death

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

  • Handling Loan Applications - What can go wrong?

    Do you know how the term “application” is defined in all of the lending regulations? Do your lenders and front-line staff understand the difference between an application and an inquiry? What steps must be taken when an application is submitted? What can go wrong? Join this fast-paced webinar to understand the application process with step-by-step instructions and actual examples that explain the requirements of several confusing regulations in terms that are easy to understand.

    Covered Topics
    -Learn what specific information will help you to handle applications correctly.
    -What are the top five mistakes made in application processing?
    -Overview of application and timing of disclosures for consumer, mortgage, and commercial loan applications.
    -When does an application have to be in writing? Does it have to be signed? -What are the signature rules for applications?
    -What are the rules for appraisal copies? Reg B did NOT exempt commercial purpose loans secured by a 1st lien on a 1-4 dwelling.
    -How do you properly document the ?joint intent? to apply?
    -When is an adverse action notice required? What must it contain? Who receives one?
    -When can you pull a credit bureau? What documentation should be kept?
    -Recap of the collection of ?demographic information? for HMDA reportable applications under the 2018 rules.

    Audience: This interactive session is a cost-effective way to gain a greater understanding of the rules about accepting and processing applications. This informative session will benefit loan officers, loan assistants, loan operations staff, compliance officers, auditors, and trainers. Covered topics will be included for consumer, mortgage, and commercial lenders. BONUS ? Reg Z REQUIRES that loan originators have "periodic training" to ensure "knowledge of Federal legal requirements that apply to the individual loan originator's loan origination activities." This session will satisfy a significant portion of this 2019 TRAINING REQUIREMENT.

  • 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 2 hour 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 2018/2019?
    -What responsibilities does the financial institution have to monitor qualified medical expense withdrawals?
    -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, Accountholder Service 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.

  • 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 Touch Coaching in a High-Tech World

    Technology has forever changed the landscape for transacting across all financial services. While there are some who are comfortable buying complex financial products online, most feel the need to talk, meet and trust a banker who is knowledgeable and caring. We call ideal candidates for this role ?farmers?. Those who take the time to sow the seeds and care for the plant until it is ready for harvest will lay the groundwork for building a trusting relationship, enabling them to reap years of future sales and referrals to ultimately grow their business.

    Does this describe your salespeople? Most banking sales leaders were promoted into their position and may not have the coaching skills necessary to hire and develop their people. In fact, typically less than 5% of leadership teams assessed have the skills to be effective coaches. This workshop will provide a framework to help sales managers deliver high touch coaching to grow relationships and revenue in this high-tech world.

    What You Will Learn
    -A fresh new approach to analyzing sales activity data to uncover the real story behind the numbers
    -How to effectively coach the unique motivational factors of the Millennials
    -The 5 Keys to Coaching Toolkit provides participants with a process they can implement and execute right away

    Audience: Sales managers, sales coaches, CLOs, training managers.

  • 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

  • Hiring, Compensating and Retaining Loan Officers without Regulatory and New Legal Risks

    Changes in regulations, interest rates, and advances in technology that shaped 2018 play an even bigger role in the mortgage industry in 2019. To succeed, your organization must be able to keep pace with the changes.

    Designed to prepare mortgage employees to comply and excel in their careers, this new webinar series includes three separate webinars presented by industry experts sharing current mortgage trends, best practices and providing real-world examples.

    Covered in this session:
    A trend of new cases and record verdicts are reshaping the way lenders hire and retain loan officers. Driven by new compensation and employment laws, lenders are getting more creative – and taking on unrealized risks – in their recruiting and hiring practices. In this session, we will provide strategies on how lenders can remain compliant without compromising their recruiting and retention efforts.

    -Recent changes in labor and employment laws
    -Updates to compensation law
    -Recent unfair competition claims being brought against lenders for hiring practices and the regulatory implications arising from these claims
    -Strategies to earn more and pay less

    Audience: Mortgage Lenders, Brokers and Employees that want to to comply and excel in their careers!

  • HMDA Advanced Lessons

    Join David Dickinson from Banker?s Compliance Consulting for a two-hour webinar devoted to the more complicated areas associated with HMDA data collection and reporting. This is not a HMDA 101 class! David will provide understanding into the data fields that are giving banks the most headaches and help navigate a path to a higher level of HMDA understanding.

    What You Will Learn
    -Is it a Dwelling?
    -Mixed-Use Property Scenarios
    -Clarifications for Complicated Data Points
    -Demographic Information Scenarios
    -Regulation C vs. Regulation B vs. TRID
    -N/A vs. Not Applicable vs. Leaving it Blank vs. $0
    -Action Taken Codes
    -The Filing Instruction Guide (FIG) and Much More!

    Audience: This webinar is designed for loan officers, loan processors, compliance, audit and other loan operations personnel.

  • 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 to Analyze a Start-up Business

    Analyzing Start-up Businesses has been designed to assist lenders and others who work with start-up businesses that are seeking financing for development projects. This program will emphasize how to properly review business plans and other information that is generated by start-up business ventures and what questions to ask of business owners, in both financial and non-financial topic areas. This program will use business plans and the information contained within them to demonstrate to lenders the ways in which they can analyze start-up ventures in order to make better credit decisions.

    Covered Topics:
    -Revisiting The Five C?s of Credit
    -Contents of a business plan
    -How to test a business plan’s assumptions
    -Understanding and analyzing projections and other financial information for start-up businesses
    -Identifying a business’ breakeven point

    Audience: Credit Analysts, Loan Officers, Loan Committee members, Business Development Officers

  • How to Analyze the Purchase of an Existing Business

    Lenders are often asked to finance the purchase of an existing business by a new owner. Participating in this type of financing can be highly risky in some cases. The level of risk depends on a number of factors, including the purchase price for the business, the value of the assets being purchased, and the future potential of the business to generate cashflow.

    This program will examine these issues, as well as other important concepts such as non-compete agreements and the role of goodwill. Lenders will gain a greater understanding and comfort level with the methodologies to use when analyzing these types of borrowing requests.

    Covered Topics
    -Analyzing Historical Performance
    -Non-compete Agreements
    -Goodwill
    -Seller Financing
    -Asking the Right Questions

    Audience: Credit Analysts, Loan Officers, Branch Managers, Loan Committee members, Board Members, Business Development Officers

  • How To Avoid Safe Deposit Litigations

    Recently, financial institutions have experienced significant disappearance claims and very large lawsuits which resulted in many nationwide losses and very expensive litigations.

    What did they do wrong? Most of these disappearance claims and lawsuits are a direct result of offering the new self-service box concept, insufficient employee training, incorrect box drilling and safekeeping procedures, unauthorized vault access, improper box relocations, vault burglaries, flooded vaults, sloppy record keeping and retention and all the news media coverage that inevitably follows.

    Regardless of the size of your safe deposit operation, this presentation provides a realistic and well-organized method of reviewing your procedures before a lawsuit occurs. Your presenter knows firsthand what to look for, from the most common errors to the not so common, but costly mistakes. This program will help you review specific and critical internal procedures.

    What You Will Learn
    -Why can offering self-service boxes cost financial institutions millions in losses?
    -How can the SCRA create significant liability when delinquent rent is collected?
    -Why did a significant fire cause 1,300 box renters to file a class action lawsuit?
    -What terrible things can happen if you?re leaving anyone in your vault alone?
    -Why did numerous safe deposit disappearance claims occurred recently?
    -How did poor “Box Relocation” procedures cause a $5,500,000 lawsuit?
    -What thirty questions will always be asked in any safe deposit lawsuit?
    -Why was an institution sued for $30 million after an internal box theft?
    -Why did sloppy box drilling procedures create a $4,500,000 litigation?
    -Have you seen the locksmith tools that will open boxes in seconds?
    -Why did several vault burglaries catch ?Inside Edition?s? attention?
    -What caused CBS to create three recent safe deposit TV specials?
    -Are you leaving a locksmith in your vault alone? ?BIG MISTAKE!?

    Audience: This informative program is designed to update safe deposit supervisors, vault attendants, cashiers, branch managers, compliance officers, auditors, training directors, security officers, new account personnel and your in-house legal counsel.

  • 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

    Two of the most disturbing crimes in our country which involve harm to those who are being smuggled into the country and then those who are exploited by human trafficking. Learn how big the crime is in the US and what our response should be. Learn what the differences in these two crimes are and how we can detect these criminals in the banking system.

    Highlights
    -What is human trafficking?
    -What is human smuggling?
    -What are the red flags for each of these crimes?
    -How can we respond as a financial intuition?
    -Learn how your customers hide and disguise transactions
    -Filing Suspicious Activity Reports

    Audience: Training, branch staff, branch managers, branch operations, BSA, security, call centers and lenders.

  • 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

  • Implementing the Revised Uniform Residential Mortgage Loan Application

    What?
    The Uniform Residential Mortgage Loan Application (URMLA), also referred to as the 1003 Mortgage Application, is the industry standard form used by nearly all mortgage lenders in the United States. This basic form must be completed by a borrower to apply for a mortgage. While some lenders may use alternative forms or simply accept basic borrower information about their identity, property type and value, the vast majority of lenders rely on the 1003 form.

    The URMLA was developed by the Federal National Mortgage Association (Fannie Mae) and the Federal Home Loan Mortgage Company (Freddie Mac) as a standardized form for the industry. Mortgages need to documented according to Fannie and Freddie’s standards since both entities require the use of Form 1003, or Form 65, its Freddie Mac equivalent, for any mortgage they consider for purchase. It is simpler for lenders to use the appropriate form at the outset than to try to transfer information from a proprietary form to a 1003 when it comes time to sell the mortgage.

    While the URMLA has been in use for decades, the format and content of the form has changed from time to time. On October 13, 2015, after years of discussion, the Consumer Financial Protection Bureau (CFPB) published massive revisions to Regulation C, which implements the Home Mortgage Disclosure Act (HMDA). Among other changes the revisions revised the demographic information collected on borrowers for home mortgage loans. As a result the URMLA needed to be expanded to collected the revised demographic date by the January 1,2018 effective date of the HMDA changes.

    The CFPB, Fannie Mae and Freddie Mac did not play well together and were unable to complete the project by the effective date, but did manage to cobble together a Demographic Information Addendum. The content of the Addendum is covered in the program.

    The bigger revisions, which go far beyond collecting expanded demographic data, expanded the form from four pages to eight pages. On August 23, 2016 Fannie Mae and Freddie Mac published the redesigned Uniform Residential Mortgage Loan Application (URMLA). Subsequently the CFPB provided clarification to its regulations, that in turn delayed completion of the URMLA. Along the way Fannie Mae and Freddie Mac made additional changes.

    Finally after years of development Fannie Mae and Freddie Mac announced they will begin accepting the revised URMLA on July 1, 2019. Use of the form is mandatory February 1, 2020. Are you and your mortgage lending staff ready?

    Why?
    This program provides comprehensive coverage of the revision process and the content of the revised URMLA and related documents. The program includes step-by-step instructions on completing the forms and explains connections to CFPB’s Regulation B (Equal Credit Opportunity Act) and Regulation C (HMDA). Program participants receive a detailed manual that provides a thorough explanation of the revisions and revised forms.

    Covered Topics
    -Regulatory requirements (Regulations B and C and OCC Part 27) for collection of demographic data;
    -Implementation Dates for the New Forms;
    Optional Date;
    Mandatory Date
    -New Uniform Residential Mortgage Loan Application (Form 1003);
    Section 1: Borrower Information;
    Section 1a: Personal Information;
    Section 1b through 1e: Employment and Other Income;
    Section 2: Financial Information – Assets and Liabilities;
    Sections 2a through 2d – Assets and Liabilities;
    Section 3: Financial Information – Real Estate;
    Sections 3a through 3c – Property and Additional Property;
    Section 4: Loan and Property Information;
    Sections 4a through 4d – Loan and Property Information, Other New Mortgage Loans, Rental Income, Gifts and Grants;
    Section 5: Declarations
    Sections 5a and 5b – About this Property and About Your Finances;
    Section 6 – Acknowledgements and Agreements;
    Section 7 – Demographic Information;
    Coordination with the HMDA requirements
    Section 8 – Loan Originator Information
    -Demographic Information Addendum
    -Additional Borrower Form
    -Unmarried Addendum
    -Lender Information Form
    Sections L1 through L3 – Property and Loan Information, Title Information, Mortgage Loan Information;
    Sections L4 and L5 – Qualifying the Borrower and Homeownership Education and Housing Counseling;
    -Continuation Sheet

    Audience: The program is designed for mortgage loan department management and staff, compliance officers, and auditors.

  • Improving Employee Performance in Everyday Work Situations & Reviews

    Many supervisors and managers dislike giving employees needed feedback about surfing the internet, not following procedures correctly, criticizing other employees, or delivering poor customer service. Supervisors and managers fear employees will become defensive, or the result will be an unproductive and emotionally-draining argument. So feedback gets delayed, allowing costly work behaviors to continue.

    Receive step-by-step guidance on how to give employees feedback to gain their cooperation to improve performance. Also learn two skills to resolve employee defensiveness if it occurs, and issues that are often behind it. Plus, learn how to give positive feedback effectively, something most managers don’t do. These skills are also highly beneficial during performance evaluations.

    Actual workplace situations will be used for demonstration. A Learning Guide and Skill Reinforcement Cards will be provided.

    Covered Topics
    -How to give employees feedback the way they want it to be given
    -Greatly reduce the likelihood of employee defensiveness
    -What to say and how to say it, including words and phrases, body language, etc.
    -Gain employee cooperation to improve performance
    -Two skills to successfully resolve employee defensiveness
    -Identify employee concerns about what you’re asking them to do
    -Confirm agreement
    -Give positive feedback that employees will believe and act on
    -Highly skill based, not a lecture

    Audience: Branch managers, assistant branch managers, teller operations supervisors, head tellers, and anyone responsible for the performance of direct reports.

  • 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.

  • Incident Response

    In today?s cybersecurity world, we can no longer hide behind the assumption that business will never be compromised. Institutions must ensure adequate investments in security are made, not only in prevention, but in the detection of threats and effective incident response as well. With data breaches on the rise, it?s time to sharpen your institution?s response procedures and improve your Incident Response Plan. In this session, core steps required for most incidents will be highlighted and specialized components for DDOS, malware, ransomware, CATO, and unauthorized access incident types will be examined. Explore the importance of incorporating forensic analysis procedures into your standard procedures to better address emerging threats and decrease liability.

    Covered Topics
    -Internal Communications
    -Incident Containment, Eradication, and Recovery
    -External Communications
    -Integration of Forensics
    -Insider Threats

    Audience: Information Security Officer, IT Manager, Network Administrators, Risk Officer, Chief Information Officer, Forensics Analysis, Security Analyst, and management team members involved in cybersecurity and incident response processes.

  • Income Tax Planning

    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.

  • Indirect Lending

    How to Improve and Strengthen Controls Over Indirect Lending

    Do you have controls in place to adequately monitor your indirect loan program? Is your indirect staff/team aware of the importance and need for adequate controls over indirect lending and how indirect lending controls work?

    Growing loan portfolios continues to be a major challenge for Banks and other financial institutions. For Banks and other financial institutions with an indirect loan program, indirect lending continues to present challenges that require a greater degree of risk assessment, control, monitoring and oversight than ever before.

    Covered Topics
    -The controls needed for indirect lending programs today.
    -Criteria needed to provide adequate oversight of indirect loan programs.
    -How to improve and strengthen controls over indirect loan programs by more effective identification of the risks present within 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 controls over indirect loan program.
    -Controls over indirect loan ?power-booking?.
    -CFPB?s indirect loan control perspectives.
    -And more.

    Audience: Bank loan management, bank indirect loan management, bank indirect loan officers, other bank indirect loan personnel, bank audit personnel, other personnel involved with indirect lending.

  • 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.

  • 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.

  • Information Security Programs for Banks

    Audience:

  • 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

  • InTREX vs FFEIC CAT

    Audience:

  • 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 ACH: The Basics

    The ACH Basics and Overview 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
    -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 Commercial Lending

    This webinar covers the basics of Commercial Lending and is a must for all new commercial lenders and/or those individuals who want to explore this vital discipline!

    The training session will begin with a brief overview of ?conventional? commercial lending versus SBA lending. Additionally, the concept of ?credit scoring? will be explored.

    The webinar will also cover underwriting a commercial loan including a review of ?financial statement analysis? (with emphasis on various cash flow analyses). Additionally, a standard loan ?write-up? or written presentation format will be displayed.

    The webinar will also cover negotiating a commercial loan, sources of commercial financing, and a brief review of various legal aspects of commercial lending.

    Covered Topics
    -Define commercial lending
    -Discuss ?conventional? commercial lending versus SBA lending
    -Explore ?credit scoring?
    -Cover underwriting a commercial loan including ?financial statement analysis? (with emphasis on cash flow analyses)
    -Analyze a standard loan ?write up?
    -Review negotiating commercial loans, sources of commercial financing, and legal aspects of commercial lending

    Audience: Commercial lenders, credit analysts, loan documentation specialists, private bankers, business development officers, branch managers

  • 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 Consumer Lending

    The webinar will cover the basics of consumer lending including the consumer loan function, marketing consumer loans, and making consumer lending decisions based on the five (5) C?s of credit- capacity, capital, collateral, conditions, and character.

    The attendee will also be exposed to loan structure, loan support, and documentation issues and how they are an intricate part of the consumer lending process. An ?auto loan,? ?RV loan,? and ?home equity line of credit? (HELOC) will be utilized as examples throughout the session.

    Additionally, the basics of consumer loan compliance will be provided including Reg B, Reg Z, TRID, BSA, and Fair Credit Reporting.

    The bank?s consumer lending function will be illustrated through ?case studies.?

    Covered Topics
    -Learn about the basics of consumer lending
    -Explore marketing consumer loans
    -Gain an understanding of how banks make consumer lending decisions based on the five (5) C?s of credit.
    -Review the basics of consumer loan structure, support, documentation, and compliance with an auto loan, RV loan, and HELOC as examples
    -Apply consumer lending through ?case studies?

    Audience: Consumer lenders, loan documentation specialists, private bankers, business development officers, branch managers, financial service representatives.

  • 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 Internal Audit

    Understand the Changing Role of Internal Audit, How To Effectively Establish a Risk-based Internal Audit Function, and Gain Knowledge of Internal Controls

    The issues that continue to impact a Bank?s internal audit function are significant, including Committee of Sponsoring Organizations and Institute of Internal Auditors professional practice expectations. In addition, the banking business continues to become more complex due to changing technology, new and evolving regulation, and a wider range of products and services. As a result, the role of the internal auditor is changing and expectations of internal audit by bank examiners, external auditors, management, and stakeholders are increasing. This program will discuss the changing role of internal audit and how internal audit may add value in today?s complex banking environment. Additionally, the program will identify and define internal controls and as a result of not having effective controls, what could go wrong? Further, developing a risk-based internal audit approach allows internal audit to most effectively audit the increasing risks faced by banks today. Hands-on exercises will be provided for attendees to apply the concepts presented.

    Highlights
    -Internal Audit Profession
    Definition of Internal Audit
    Changing Role of Internal Audit
    Introduction to the Institute of Internal Auditors Standards and Guidance ? International Professional Practices Framework
    Difference between Internal Audit and External (Financial Statement) Audit
    FFIEC Interagency Policy Statement on the Internal Audit and Function and Co-sourcing
    Impact of FDICIA and SOx regulation
    -Internal Control
    Committee of Sponsoring Organization?s Internal Control Model
    Types of Internal Controls
    Internal Control Standards
    Cost/Benefit and Reasonable Assurance of Internal Controls
    What Could Go Wrong?
    -Risk-based Internal Audit Process
    Planning
    Risk Assessment
    Risk-based Internal Audit Plan
    Internal Audit Program Development
    Performance of Internal Audit Program and Documentation of Audit Findings
    Effective Report Writing
    Conducting Effective Exit Meeting
    Audit Committee Presentation
    -Internal Audit Adding Value

    Audience: Bank professionals seeking knowledge of internal audit and/or internal controls, including internal auditors, deposit and operations personnel, accountants, management, and individuals with previous internal audit education seeking a refresher course.

  • 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
      • Simplified employee pension plans
      • SIMPLE retirement accounts and 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 Planning for Retirement Assets

    Focuses on the planning aspects of various retirement plans. Explains the tax treatment of qual