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July 29, 2014 - W-9, W-8BEN and W-8 BENE: IRS issues new forms and new rules
Presented by Deborah Crawford
The IRS issued new forms W-8BEN and W-8BENE in February of 2014. This follows the release of new form W-9 in August of 2013. What is going on? The new FATCA rules affecting foreign financial institutions also affects US financial institutions and your job as a withholding agent. During this program we will do a line-by-line review of the new forms and the subsequent tax reporting to the IRS. This program will focus on what a US financial institution has to do from the tax reporting and documentation process to be prepared for FATCA. We will also look at the impact on 1042S reporting changes for nonresident aliens. Your job as a withholding agent has never been so important and the new forms emphasize your importance in the tax reporting chain that affects this country and accounts for US persons overseas.






July 31, 2014 - ACH Security Framework Rule - Small Rule, Big Implications
Presented by Rayleen Pirnie
While the ACH Security Rule, implemented in September 2013, is relatively small, it has enormous implications. Since the ODFI is responsible for what their Originators do (or don't do), how does the ODFI ensure their Originators are in compliance? This course provides ODFIs with recommendations on documenting Originator compliance, conveys training tips that ODFIs can use to educate Originators on their obligations, and demonstrates valuable resources for small Originators who may not have security procedures. Participants will also be provided with a free Originator Checklist to assist Originators in developing necessary security procedures to be compliant with the Rule.






August 6, 2014 - Part I: Flood Insurance: Requirements and Best Practices - A Two-Part Companion Webinar Series
Presented by David Dickinson and Jerod Moyer
Flood insurance requirements can often be the most challenging aspect of both commercial and residential lending. It's not uncommon for the borrower, lender, and insurance agent to each reach a certain level of frustration. The challenges and frustrations with flood insurance requirements are caused by all the minute details that come into play when calculating, obtaining, documenting and monitoring the proper coverage. Flood insurance continues to be a hot topic with the regulators and that means it remains one of the highest priority components of a compliance program. The Biggert-Waters Act of 2012 and the most recent Homeowner Flood Insurance Affordability Act of 2014 have added to the complexity of these requirements. Part I of this two-part companion webinar series will cover Current Events (FAQs, CMPs, etc.) Risk Management, Coverage (type and Amount) Tripwires, Guidance, Flood Determinations, Special, Flood Hazard Notice, Required Amounts, Insurable Value, Regulatory Requirements vs. Insurance Industry Practices, Penalties for Non-Compliance, Best Practices and much more!






August 12, 2014 - A to Z of Reg E
Presented by Andy Zavoina
Reg E errors are now leading to UDAP penalties because there is a disconnect between what is disclosed and what is actually being done in the bank pertaining to electronic fund transfers. More and more of your customers are using debit cards for purchases of less than $5 on a regular basis. You may well have a claim pending for an insignificant sum right now. If you handle it wrong, the UDAP liability is much greater than the claim. This is why it's good to take a breath and look at all of Reg E, disclosures, procedures and most certainly claims. We'll answer these questions in detail and dispel many of the urban myths that prevail in the world of Reg. E. When would you not investigate a claim, what must you do, how do these rules interact with Visa or MasterCard rules, and lots more.






August 13, 2014 - Part II: Flood Insurance: Requirements and Best Practices - A Two-Part Companion Webinar Series
Presented by David Dickinson and Jerod Moyer
Flood insurance requirements can often be the most challenging aspect of both commercial and residential lending. It's not uncommon for the borrower, lender, and insurance agent to each reach a certain level of frustration. The challenges and frustrations with flood insurance requirements are caused by all the minute details that come into play when calculating, obtaining, documenting and monitoring the proper coverage. Flood insurance continues to be a hot topic with the regulators and that means it remains one of the highest priority components of a compliance program. The Biggert-Waters Act of 2012 and the most recent Homeowner Flood Insurance Affordability Act of 2014 have added to the complexity of these requirements. Part II of this two-part companion webinar series will cover Required Amounts, Deductibles, Multiple Buildings, Subsequent Liens, Construction Loans, Content Insurance, Private/Gap Insurance, Grandfathering, Condominiums, Monitoring, Escrows, Map Changes, Secondary Market, Resolving Flood Zone Discrepancies, Documenting Insurance, Force Placement and much more!






August 14, 2014 - Advanced Business Accounts - Complicated Issues and Simple Solutions
Presented by Deborah Crawford
This program goes past basics into those complicated issues of a principal's death, sale of a business, beneficial ownership and changing signers on accounts.






August 19, 2014 - HMDA - Coming Attractions
Presented by Jack Holzknecht
The Consumer Financial Protection Bureau (CFPB) has begun the process of revising Regulation C to reflect changes to HMDA made by the Dodd-Frank Act and to modernize the collection and reporting of HMDA data. Big changes are coming to those who are already covered by the regulation. The CFPB is also considering making the regulation applicable to all lenders that originate 25 or more covered loans per year.






August 20, 2014 - Safe Deposit Regulatory Compliance & Legal Issues
Presented by Dave McGuinn
Safe Deposit Box services have their own collection of laws and regulations that have to be complied with. From notice requirements under the PATRIOT Act to abandoned property requirements under state rules, this informative two-hour presentation will provide the information you need to help keep your institution on the path to compliance.






August 26, 2014 - Keeping Bank Secrets: Things you Can Go to Jail for Telling
Presented by Mary Beth Guard
Which requests for customer records can you not tell anyone about - including the customer? How far does SAR secrecy go? When does the customer get to know about Search Warrants? Is it wrong to reveal the customer's name popped up on the 314(a) list? Keeping customer information confidential is something all bankers learn from day one. What you don't necessarily learn, however, is that there are certain types of records and activities that are subject to strict specific prohibitions against disclosure. When those prohibitions are not observed, you, as a banker, can face criminal prosecution. This webinar provides a road map to how to safely navigate the federal statutes that carry criminal penalties for violations.






September 10, 2014 - Critical Issues on Certificates of Deposit
Presented by Deborah Crawford
Still put a piece of paper into a sleeve and give it to the customer and call it a CD? It might be old-fashioned but many institutions still handle nonnegotiable CDs and other time deposits much as they handled the negotiable instrument of days gone by. As we transition from the traditional certificates that are negotiable to the time deposit with a contract, what rules apply and which rules are no longer applicable? Let's look at the procedures which might not make sense anymore such as the use of Loss of CD affidavits. Today's procedures could mean that you need signatures of all parties and not just the individual opening the account. Old-school might not work in today's legal and regulatory environment. In this webinar, we look at CD rules, procedures and ownership issues that may need to be re-thought and revamped.






September 16, 2014 - S.A.F.E. Act - Auditing for Compliance
Presented by Patricia Cashman
After the initial flurry of activity from the initial Secure and Fair Enforcement for Mortgage Licensing Act (S.A.F.E. Act) requirements, you might be tempted to push back the audit on this area. After all, don't you have enough to do with all of the fun created by Dodd-Frank? Hold on there! Auditing for SAFE Act compliance is an annual requirement.






September 30, 2014 - Revised Escrow Rules - Review and Update
Presented by Jack Holzknecht and Mary Beth Guard
The escrow rules for mortgage loans continue to expand. The escrow requirements in both RESPA (Regulation X) and Truth in Lending (Regulation Z) were expanded in January 2014. The rules in Regulation Z are expanding again in August 2015. This program covers all of the escrow rules - the long-standing requirements, the recently revised requirements, and the soon to be effective requirements.






October 7, 2014 - CRA - Digging for Credit
Presented by Patricia Cashman
Does it seem that all of the traditional sources for CRA credit are either overused or gone the way of the Dodo bird? This webinar will assist you in identifying new or overlooked sources that will assist in achieving a satisfactory rating while helping your financial institution to become a better neighbor. Safe housing for seniors; protecting veterans from crime; preventing foreclosures…these are just the beginning.






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.





Registration Policy
Each registration is valid for a single connection at a specific location within a given financial institution. Multiple people from the same financial institution may view the program within a conference room using the one connection. If there are attendees from different financial institutions attending they must each have a separate registration.

Multiple Location Discounts
Multiple location discounts are offered if a financial institution wishes to access the training program from different branches or other locations. For example, the first registered location cost is $245 and the second is $125. You can calculate the additional cost for each additional location on the registration page by selecting the number of locations you need to register. In order to take advantage of the multiple location discount the registrants must be from the same financial institution domain.

Certificates of Attendance
Certificates of attendance are issued in the name of the registrant. If additional people from the same financial institution are in attendance at the registered location you can request additional certificates after the webinar by emailing carin@bankersonline.com. Those certificates are only valid for people in attendance at the registered location.