October 23, 2014 - Advanced MasterCard Error Resolution
Presented by Brian Crow
You've accepted your Reg E claim, provided provisional credit, and filed a chargeback. The merchant responds with additional information and your processor takes the money back. Do you deny the Reg E claim, accept the loss and move on, or push deeper into the MasterCard chargeback process? When can you go back to the cardholder and ask for more information? A wrong decision could result in regulatory issues or a loss on a claim that the bank doesn't have to take. In this advanced session, we will cover merchant responses and how to properly address them in your claims process.
October 24, 2014 - How to Audit Advertising - Compliance Issues Here, There, Everywhere!
Presented by Patricia Cashman
Auditing advertising for compliance issues reminds me of the game "Whack-a-Mole". Just when you think you have one nailed down, such as the website, you discover that a loan officer has agreed to an ad in the local high schools yearbook - without considering the compliance issues posed by that ad. What's an auditor or compliance officer to do?
October 29, 2014 - Documenting an Applicant's Intent to be a Joint Applicant
Presented by David Dickinson
Fair Lending is one of the "hottest" topics with the regulators at this time. Requiring spouses (or anyone) to sign a loan - or the appearance your loan officers are doing so - is a significant fair lending issue. That's the reason for the "Joint Intent" rule -- It's designed to ensure that all the applicants intended to be co-applicants for the loan from the beginning.
November 4, 2014 - Issues with Deceased Customers
Presented by Mary Beth Guard and John Burnett
When your customer passes away, you have issues that must be addressed. Family members left behind want funds to handle immediate needs. It doesn't help that they and other survivors of the deceased customer have little or no knowledge about paying "old" checks signed by the deceased or the deposit of checks payable to them. They need guidance. You will instill confidence if you can demonstrate knowledge in these situations, and that knowledge will help you reduce or eliminate the legal, monetary and reputational risks associated with mishandling accounts formerly owned by a deceased customer. Get the information you need in this comprehensive, fast-paced, information-packed two hour presentation by Mary Beth Guard and John Burnett.
November 5, 2014 - Vault Burglaries, Floods, Fires & Other Disasters
Presented by Dave McGuinn
Damage to a bank's safe deposit vaults caused by a burglary, fire, flooding, tornado or other disaster can create not only major logistical problems, but also potentially huge legal liability. But there are measures your bank can take that can limit its financial exposure to such events. Attend this important two-hour presentation to get key information you can use to mitigate the post-disaster exposure of your safe deposit operations.
November 6, 2014 - MLO v LO - Who Has to Do What?
Presented by Jack Holzknecht and Mary Beth Guard
Regulations implementing the Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act) were effective on October 1, 2010. Among other requirements the SAFE Act requires mortgage loan originators (MLO) to register with the National Mortgage Licensing System and Registry (NMLSR). Revisions to Regulation Z, which were effective on April 1, 2011, prohibited certain acts and practices involving loan originators (LO). Significant clarification and expansion to the Regulation Z rules occurred in January 2014. This program clarifies who is a MLO and who is a LO and what are the requirements and limitations applicable to each.
November 13, 2014 - Domestic Violence & Workplace Violence: There Is A Link
Presented by Shelly Collins and Dana Turner
Your institution's chance of experiencing an act of domestic violence that becomes a potential act of workplace violence is much greater than the possibility of experiencing a robbery. Nationally, one of every six violent events occurs in the workplace. Domestic violence was declared epidemic years ago by the Centers For Disease Control & Prevention (CDC). Every community experiences the repercussions from these acts, but what institutions often don't consider is the related impact in the workplace-to the employee, customers, and daily operations. This presentation addresses the ever-increasing threat of domestic violence, including the basic dynamics and signs - as well as the mystique about its intrusion into the workplace that presents special concerns for Security Officers, employees, and customers. This presentation also provides specific safety suggestions and general resources.
November 18, 2014 - Understanding USPAP and Regulatory Guidelines for Appraisal and Evaluation Compliance Reviews
Presented by Eric Collinsworth
This webinar will focus on the key points that banks need to be aware of relating to reviewing appraisals and evaluations for minimum compliance with the regulatory guidelines as well as the most recent revisions to USPAP. This will include an in-depth analysis and discussion of the requirements of USPAP Rules and Standards 1 & 2, as well as what to look for in any valuation report for compliance with the Interagency Guidelines for Appraisals and Evaluations.
December 3, 2014 - Overdrafts: Latest Regulatory Feedback, Guidance & Best Practices Webinar
Presented by David Dickinson and Jerody Moyer
Is your financial institution up to speed on the latest Regulatory Agencies expectations with respect to overdraft guidance and best practices? If not, the "Overdrafts: Latest Regulatory Feedback, Guidance and Best Practices" Webinar is just the ticket. This Webinar will provide insights on both new and existing regulator expectations with respect to management and oversight of both automated and ad hoc overdraft programs. Overdrafts are a major regulatory hot button. If the terms "Unfair," "Deceptive," or "Abusive" (UDAAP) make you cringe this Webinar is must!
December 9, 2014 - Bankruptcy: Creditor Do's and Don'ts
Presented by Sam Ott
The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 (the Bankruptcy Code) became effective on October 17, 2005. Over the last nine years, Courts have handed down decisions about the application of many of the most important provisions of the Act. This webinar will focus on what a creditor, namely financial institutions, should DO to protect collateral rights and properly assert claims, as well as what a creditor should NOT DO to avoid the risk of losing rights and claims under the revised law.
December 10, 2014 - Branch Audits: What Is Going On Out There?
Presented by Patricia Cashman
You set rules and boundaries for your children. Then they go off to college and chuck all of those restrictions out the door before they even get out of the driveway. Is this the way you feel about your branches? There are well-defined policies and procedures that are designed to assure assets are adequately safeguarded, transactions are properly documented and processed, and branch records are adequately maintained. But you have a suspicion that these policies and procedures have been amended or even disregarded by the branches.
Fortunately, there is a way to determine whether your branches are compliant with the vision and rules set out by the parent financial institution - a well crafted and executed branch audit! Now, if only there was such a tool for our college-bound children.
December 18, 2014 - Loan Review Best Practices for a Community Bank
Presented by Bob Fritzlan
This webinar is all about what works in a successful loan review function in a community bank, and not in a large bank. You will get information about how to review credits in your community and at your community bank. The seminar is designed to present loan review concepts that can work in your bank, by someone who has seen such practices used in many community banks regardless of size, complexity or regulatory supervision.